Home > Lincoln Savings Bank > Performance and Condition Ratios
Lincoln Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 1,521 |
| Cost of funding earning assets | 2.3872% | 476 |
| Net interest margin | 2.8950% | 3,500 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 3.8946% | 399 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | -0.0434% | 4,408 |
| Return on assets (ROA) | 0.0071% | 4,350 |
| Pretax return on assets | -0.1029% | 4,400 |
| Return on Equity (ROE) | 0.0900% | 4,338 |
| Retained earnings to average equity (ytd only) | -0.7699% | 4,170 |
| Net charge-offs to loans | 0.0965% | 931 |
| Credit loss provision to net charge-offs | 253.1297% | 1,061 |
| Earnings coverage of net charge-offs (x) | -0.4590% | 4,526 |
| Efficiency ratio | 100.7700% | 177 |
| Assets per employee ($millions) | 5.9151% | 2,887 |
| Cash dividends to net income (ytd only)* | 1,003.0303% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 931 |
| Loan loss allowance to noncurrent loans | 104.4263% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 416 |
| Noncurrent loans to loans | 1.4872% | 464 |
| Net loans and leases to total assets | 73.3100% | 1,440 |
| Net loans and leases to deposits | 83.0633% | 1,851 |
| Net loans and leases to core deposits | 106.7348% | 1,079 |
| Total domestic deposits to total assets | 88.2600% | 1,267 |
| Equity capital to assets | 8.3577% | 3,154 |
| Core capital (leverage) ratio | 8.6652% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9554% | 2,597 |
| Memoranda: | ||
| Average total assets | $1,863,201,800 | 607 |
| Average earning assets | $1,703,102,200 | 608 |
| Average equity | $154,828,400 | 659 |
| Average total loans | $1,390,374,000 | 551 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 1,447 |
| Cost of funding earning assets | 2.2147% | 479 |
| Net interest margin | 2.9883% | 3,359 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 3.8548% | 394 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.0674% | 4,339 |
| Return on assets (ROA) | 0.0747% | 4,357 |
| Pretax return on assets | -0.0300% | 4,418 |
| Return on Equity (ROE) | 0.9000% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.2353% | 4,075 |
| Net charge-offs to loans | 0.0649% | 1,018 |
| Credit loss provision to net charge-offs | 343.2593% | 808 |
| Earnings coverage of net charge-offs (x) | 1.4415% | 2,534 |
| Efficiency ratio | 98.1251% | 199 |
| Assets per employee ($millions) | 4.9386% | 3,644 |
| Cash dividends to net income (ytd only)* | 73.8713% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,043 |
| Loan loss allowance to noncurrent loans | 95.0922% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 367 |
| Noncurrent loans to loans | 1.6047% | 433 |
| Net loans and leases to total assets | 74.6100% | 1,282 |
| Net loans and leases to deposits | 85.2123% | 1,637 |
| Net loans and leases to core deposits | 121.5570% | 511 |
| Total domestic deposits to total assets | 87.5500% | 1,718 |
| Equity capital to assets | 7.9393% | 3,094 |
| Core capital (leverage) ratio | 8.7834% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8015% | 2,667 |
| Memoranda: | ||
| Average total assets | $1,857,270,000 | 611 |
| Average earning assets | $1,695,863,500 | 609 |
| Average equity | $154,109,750 | 658 |
| Average total loans | $1,386,671,500 | 553 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 1,393 |
| Cost of funding earning assets | 1.9550% | 549 |
| Net interest margin | 3.1335% | 3,144 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 3.8777% | 375 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.0823% | 4,373 |
| Return on assets (ROA) | 0.0918% | 4,403 |
| Pretax return on assets | -0.0059% | 4,462 |
| Return on Equity (ROE) | 1.0900% | 4,363 |
| Retained earnings to average equity (ytd only) | 0.1074% | 4,052 |
| Net charge-offs to loans | -0.0277% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.6736% | 212 |
| Assets per employee ($millions) | 4.7694% | 3,778 |
| Cash dividends to net income (ytd only)* | 90.1524% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,048 |
| Loan loss allowance to noncurrent loans | 104.6908% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 392 |
| Noncurrent loans to loans | 1.4769% | 453 |
| Net loans and leases to total assets | 73.9300% | 1,301 |
| Net loans and leases to deposits | 88.0284% | 1,343 |
| Net loans and leases to core deposits | 146.5629% | 159 |
| Total domestic deposits to total assets | 83.9800% | 2,820 |
| Equity capital to assets | 8.3534% | 2,988 |
| Core capital (leverage) ratio | 8.8150% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7286% | 2,703 |
| Memoranda: | ||
| Average total assets | $1,859,037,333 | 602 |
| Average earning assets | $1,698,715,333 | 601 |
| Average equity | $156,468,667 | 649 |
| Average total loans | $1,381,203,000 | 545 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 1,356 |
| Cost of funding earning assets | 1.6783% | 608 |
| Net interest margin | 3.2553% | 2,977 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 3.9056% | 377 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.1837% | 4,370 |
| Return on assets (ROA) | 0.2060% | 4,316 |
| Pretax return on assets | 0.1495% | 4,382 |
| Return on Equity (ROE) | 2.4400% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.4382% | 3,620 |
| Net charge-offs to loans | 0.0015% | 1,989 |
| Credit loss provision to net charge-offs | 19,120.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 225.6000% | 471 |
| Efficiency ratio | 94.0234% | 261 |
| Assets per employee ($millions) | 4.2573% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,204 |
| Loan loss allowance to noncurrent loans | 104.2675% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1321% | 330 |
| Noncurrent loans to loans | 1.4552% | 450 |
| Net loans and leases to total assets | 72.7800% | 1,346 |
| Net loans and leases to deposits | 85.0538% | 1,424 |
| Net loans and leases to core deposits | 140.4535% | 181 |
| Total domestic deposits to total assets | 85.5700% | 2,702 |
| Equity capital to assets | 8.5140% | 2,879 |
| Core capital (leverage) ratio | 8.9863% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0748% | 2,704 |
| Memoranda: | ||
| Average total assets | $1,846,596,500 | 618 |
| Average earning assets | $1,685,755,500 | 616 |
| Average equity | $156,017,500 | 660 |
| Average total loans | $1,364,500,000 | 557 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 702 |
| Cost of funding earning assets | 0.3586% | 1,633 |
| Net interest margin | 3.9614% | 692 |
| Noninterest income to average assets | 1.5300% | 355 |
| Noninterest expense to average assets | 4.4098% | 265 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.4265% | 4,195 |
| Return on assets (ROA) | 0.4294% | 4,137 |
| Pretax return on assets | 0.5415% | 4,086 |
| Return on Equity (ROE) | 4.4100% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.8707% | 3,806 |
| Net charge-offs to loans | 0.0975% | 632 |
| Credit loss provision to net charge-offs | 272.7273% | 858 |
| Earnings coverage of net charge-offs (x) | 10.1369% | 1,999 |
| Efficiency ratio | 85.5921% | 476 |
| Assets per employee ($millions) | 4.1275% | 4,264 |
| Cash dividends to net income (ytd only)* | 34.8638% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,992 |
| Loan loss allowance to noncurrent loans | 175.4633% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 883 |
| Noncurrent loans to loans | 0.7454% | 1,089 |
| Net loans and leases to total assets | 72.3300% | 1,251 |
| Net loans and leases to deposits | 79.9553% | 1,576 |
| Net loans and leases to core deposits | 103.8499% | 657 |
| Total domestic deposits to total assets | 90.4700% | 1,444 |
| Equity capital to assets | 7.9730% | 2,913 |
| Core capital (leverage) ratio | 9.0710% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0115% | 2,811 |
| Memoranda: | ||
| Average total assets | $1,596,065,000 | 675 |
| Average earning assets | $1,454,839,500 | 679 |
| Average equity | $155,499,250 | 669 |
| Average total loans | $1,188,133,250 | 582 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 731 |
| Cost of funding earning assets | 0.2499% | 2,273 |
| Net interest margin | 3.8796% | 637 |
| Noninterest income to average assets | 1.5872% | 311 |
| Noninterest expense to average assets | 4.3529% | 229 |
| Loan and lease loss provision to assets | 0.1206% | 824 |
| Net operating income to assets | 0.4818% | 3,946 |
| Return on assets (ROA) | 0.4860% | 3,880 |
| Pretax return on assets | 0.6549% | 3,700 |
| Return on Equity (ROE) | 4.6662% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.4346% | 3,636 |
| Net charge-offs to loans | -0.1878% | 4,582 |
| Credit loss provision to net charge-offs | -85.7934% | 3,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8549% | 630 |
| Assets per employee ($millions) | 4.0152% | 4,365 |
| Cash dividends to net income (ytd only)* | 47.8249% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,594 |
| Loan loss allowance to noncurrent loans | 171.6714% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 795 |
| Noncurrent loans to loans | 0.8388% | 1,016 |
| Net loans and leases to total assets | 73.4676% | 956 |
| Net loans and leases to deposits | 84.1799% | 1,106 |
| Net loans and leases to core deposits | 106.3147% | 441 |
| Total domestic deposits to total assets | 87.2745% | 2,842 |
| Equity capital to assets | 9.2144% | 2,221 |
| Core capital (leverage) ratio | 9.9050% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7474% | 2,584 |
| Memoranda: | ||
| Average total assets | $1,541,977,333 | 684 |
| Average earning assets | $1,405,360,667 | 689 |
| Average equity | $160,602,000 | 659 |
| Average total loans | $1,154,600,667 | 585 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 686 |
| Cost of funding earning assets | 0.2398% | 2,267 |
| Net interest margin | 3.8185% | 616 |
| Noninterest income to average assets | 1.4958% | 359 |
| Noninterest expense to average assets | 4.4202% | 215 |
| Loan and lease loss provision to assets | 0.2101% | 339 |
| Net operating income to assets | 0.2924% | 4,162 |
| Return on assets (ROA) | 0.3051% | 4,104 |
| Pretax return on assets | 0.3577% | 4,104 |
| Return on Equity (ROE) | 2.7580% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.7580% | 3,345 |
| Net charge-offs to loans | -0.0117% | 3,647 |
| Credit loss provision to net charge-offs | -2,393.9394% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7635% | 608 |
| Assets per employee ($millions) | 3.8802% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,721 |
| Loan loss allowance to noncurrent loans | 158.7381% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 623 |
| Noncurrent loans to loans | 0.9123% | 1,006 |
| Net loans and leases to total assets | 72.0082% | 833 |
| Net loans and leases to deposits | 81.9828% | 1,015 |
| Net loans and leases to core deposits | 95.5293% | 673 |
| Total domestic deposits to total assets | 87.8334% | 2,608 |
| Equity capital to assets | 10.5131% | 1,588 |
| Core capital (leverage) ratio | 10.3018% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8189% | 2,299 |
| Memoranda: | ||
| Average total assets | $1,503,910,500 | 694 |
| Average earning assets | $1,369,557,500 | 707 |
| Average equity | $166,353,500 | 652 |
| Average total loans | $1,128,823,000 | 590 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 748 |
| Cost of funding earning assets | 0.3024% | 2,386 |
| Net interest margin | 4.0714% | 624 |
| Noninterest income to average assets | 2.0534% | 307 |
| Noninterest expense to average assets | 4.2635% | 241 |
| Loan and lease loss provision to assets | 0.0453% | 2,148 |
| Net operating income to assets | 1.1549% | 2,085 |
| Return on assets (ROA) | 1.1666% | 2,096 |
| Pretax return on assets | 1.5127% | 1,675 |
| Return on Equity (ROE) | 10.1717% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.3324% | 1,414 |
| Net charge-offs to loans | 0.2082% | 456 |
| Credit loss provision to net charge-offs | 29.2813% | 2,238 |
| Earnings coverage of net charge-offs (x) | 9.9703% | 2,232 |
| Efficiency ratio | 73.3234% | 1,386 |
| Assets per employee ($millions) | 3.9232% | 4,452 |
| Cash dividends to net income (ytd only)* | 18.0823% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,155 |
| Loan loss allowance to noncurrent loans | 129.9425% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 561 |
| Noncurrent loans to loans | 1.0359% | 950 |
| Net loans and leases to total assets | 76.0809% | 516 |
| Net loans and leases to deposits | 87.9697% | 653 |
| Net loans and leases to core deposits | 103.1735% | 428 |
| Total domestic deposits to total assets | 86.4854% | 2,719 |
| Equity capital to assets | 11.6282% | 1,436 |
| Core capital (leverage) ratio | 10.5296% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5989% | 2,411 |
| Memoranda: | ||
| Average total assets | $1,456,252,200 | 698 |
| Average earning assets | $1,342,477,600 | 697 |
| Average equity | $167,022,800 | 648 |
| Average total loans | $1,082,535,800 | 610 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 707 |
| Cost of funding earning assets | 0.3206% | 2,397 |
| Net interest margin | 4.1495% | 600 |
| Noninterest income to average assets | 2.0205% | 345 |
| Noninterest expense to average assets | 4.3443% | 235 |
| Loan and lease loss provision to assets | 0.0593% | 1,808 |
| Net operating income to assets | 1.1137% | 2,503 |
| Return on assets (ROA) | 1.1269% | 2,516 |
| Pretax return on assets | 1.4662% | 2,094 |
| Return on Equity (ROE) | 9.8601% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.6248% | 1,824 |
| Net charge-offs to loans | -0.0286% | 4,111 |
| Credit loss provision to net charge-offs | -281.6594% | 3,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1229% | 1,207 |
| Assets per employee ($millions) | 3.8265% | 4,534 |
| Cash dividends to net income (ytd only)* | 12.5285% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,126 |
| Loan loss allowance to noncurrent loans | 139.4414% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9382% | 720 |
| Noncurrent loans to loans | 1.2133% | 918 |
| Net loans and leases to total assets | 72.1701% | 860 |
| Net loans and leases to deposits | 83.7110% | 981 |
| Net loans and leases to core deposits | 98.6348% | 639 |
| Total domestic deposits to total assets | 86.2134% | 2,661 |
| Equity capital to assets | 11.8510% | 1,469 |
| Core capital (leverage) ratio | 10.6790% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5056% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,450,555,250 | 711 |
| Average earning assets | $1,339,764,750 | 706 |
| Average equity | $165,782,250 | 660 |
| Average total loans | $1,068,014,500 | 629 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 900 |
| Cost of funding earning assets | 0.3454% | 2,360 |
| Net interest margin | 4.0192% | 793 |
| Noninterest income to average assets | 2.2550% | 280 |
| Noninterest expense to average assets | 4.1514% | 260 |
| Loan and lease loss provision to assets | 0.0866% | 1,419 |
| Net operating income to assets | 1.3359% | 1,760 |
| Return on assets (ROA) | 1.3530% | 1,781 |
| Pretax return on assets | 1.7698% | 1,302 |
| Return on Equity (ROE) | 11.9836% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.1145% | 1,363 |
| Net charge-offs to loans | -0.0762% | 4,536 |
| Credit loss provision to net charge-offs | -154.0342% | 3,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2509% | 1,730 |
| Assets per employee ($millions) | 3.8557% | 4,524 |
| Cash dividends to net income (ytd only)* | 15.5971% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 1,053 |
| Loan loss allowance to noncurrent loans | 130.5866% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 742 |
| Noncurrent loans to loans | 1.3027% | 904 |
| Net loans and leases to total assets | 72.6556% | 887 |
| Net loans and leases to deposits | 84.2042% | 1,050 |
| Net loans and leases to core deposits | 98.1831% | 712 |
| Total domestic deposits to total assets | 86.2850% | 2,636 |
| Equity capital to assets | 11.7244% | 1,505 |
| Core capital (leverage) ratio | 10.2709% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5726% | 2,134 |
| Memoranda: | ||
| Average total assets | $1,455,766,000 | 707 |
| Average earning assets | $1,351,400,667 | 699 |
| Average equity | $164,358,333 | 658 |
| Average total loans | $1,072,883,667 | 629 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 1,370 |
| Cost of funding earning assets | 0.3767% | 2,298 |
| Net interest margin | 3.7292% | 1,270 |
| Noninterest income to average assets | 2.2825% | 300 |
| Noninterest expense to average assets | 3.8687% | 315 |
| Loan and lease loss provision to assets | 0.1676% | 746 |
| Net operating income to assets | 1.3171% | 1,771 |
| Return on assets (ROA) | 1.3505% | 1,771 |
| Pretax return on assets | 1.7679% | 1,362 |
| Return on Equity (ROE) | 12.2008% | 1,945 |
| Retained earnings to average equity (ytd only) | 12.2008% | 1,101 |
| Net charge-offs to loans | -0.0007% | 3,029 |
| Credit loss provision to net charge-offs | -30,750.0000% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0386% | 2,075 |
| Assets per employee ($millions) | 4.1177% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 1,167 |
| Loan loss allowance to noncurrent loans | 127.5619% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 876 |
| Noncurrent loans to loans | 1.2944% | 1,001 |
| Net loans and leases to total assets | 69.2295% | 1,389 |
| Net loans and leases to deposits | 79.8215% | 1,534 |
| Net loans and leases to core deposits | 93.3588% | 1,020 |
| Total domestic deposits to total assets | 86.7303% | 2,427 |
| Equity capital to assets | 10.8361% | 1,981 |
| Core capital (leverage) ratio | 10.2627% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7159% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,468,189,500 | 694 |
| Average earning assets | $1,369,828,500 | 686 |
| Average equity | $162,514,000 | 658 |
| Average total loans | $1,080,450,000 | 625 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,194 |
| Cost of funding earning assets | 0.7691% | 1,350 |
| Net interest margin | 3.7789% | 1,557 |
| Noninterest income to average assets | 1.9590% | 341 |
| Noninterest expense to average assets | 4.0435% | 368 |
| Loan and lease loss provision to assets | 0.5730% | 371 |
| Net operating income to assets | 0.6702% | 3,522 |
| Return on assets (ROA) | 0.6688% | 3,656 |
| Pretax return on assets | 0.8563% | 3,491 |
| Return on Equity (ROE) | 6.0396% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.7409% | 2,399 |
| Net charge-offs to loans | 0.4876% | 332 |
| Credit loss provision to net charge-offs | 149.1501% | 2,431 |
| Earnings coverage of net charge-offs (x) | 3.7253% | 3,058 |
| Efficiency ratio | 73.7469% | 1,483 |
| Assets per employee ($millions) | 4.1794% | 4,228 |
| Cash dividends to net income (ytd only)* | 21.5036% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,448 |
| Loan loss allowance to noncurrent loans | 115.0890% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 875 |
| Noncurrent loans to loans | 1.3422% | 1,012 |
| Net loans and leases to total assets | 75.7935% | 810 |
| Net loans and leases to deposits | 89.9570% | 931 |
| Net loans and leases to core deposits | 106.9192% | 610 |
| Total domestic deposits to total assets | 84.2553% | 3,030 |
| Equity capital to assets | 11.3160% | 2,009 |
| Core capital (leverage) ratio | 9.7095% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5316% | 2,432 |
| Memoranda: | ||
| Average total assets | $1,424,094,400 | 645 |
| Average earning assets | $1,324,873,600 | 636 |
| Average equity | $157,691,400 | 648 |
| Average total loans | $1,121,994,000 | 573 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 1,456 |
| Cost of funding earning assets | 0.8421% | 1,298 |
| Net interest margin | 3.7064% | 1,920 |
| Noninterest income to average assets | 1.8452% | 356 |
| Noninterest expense to average assets | 3.6568% | 575 |
| Loan and lease loss provision to assets | 0.5099% | 569 |
| Net operating income to assets | 0.8719% | 2,809 |
| Return on assets (ROA) | 0.8683% | 2,967 |
| Pretax return on assets | 1.1209% | 2,677 |
| Return on Equity (ROE) | 7.8852% | 2,850 |
| Retained earnings to average equity (ytd only) | 7.0144% | 1,683 |
| Net charge-offs to loans | 0.3277% | 477 |
| Credit loss provision to net charge-offs | 196.3577% | 2,131 |
| Earnings coverage of net charge-offs (x) | 6.2975% | 2,659 |
| Efficiency ratio | 68.9847% | 2,042 |
| Assets per employee ($millions) | 4.4465% | 3,908 |
| Cash dividends to net income (ytd only)* | 11.0428% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,506 |
| Loan loss allowance to noncurrent loans | 84.0992% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 585 |
| Noncurrent loans to loans | 1.7340% | 777 |
| Net loans and leases to total assets | 77.0338% | 961 |
| Net loans and leases to deposits | 94.9608% | 845 |
| Net loans and leases to core deposits | 114.8234% | 526 |
| Total domestic deposits to total assets | 81.1216% | 3,629 |
| Equity capital to assets | 10.8814% | 2,495 |
| Core capital (leverage) ratio | 9.9176% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5859% | 2,373 |
| Memoranda: | ||
| Average total assets | $1,423,824,500 | 630 |
| Average earning assets | $1,324,138,250 | 617 |
| Average equity | $156,796,250 | 641 |
| Average total loans | $1,128,208,250 | 562 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,536 |
| Cost of funding earning assets | 0.9582% | 1,116 |
| Net interest margin | 3.6917% | 2,193 |
| Noninterest income to average assets | 1.7156% | 361 |
| Noninterest expense to average assets | 3.6298% | 625 |
| Loan and lease loss provision to assets | 0.3891% | 1,053 |
| Net operating income to assets | 0.8831% | 2,761 |
| Return on assets (ROA) | 0.8774% | 2,898 |
| Pretax return on assets | 1.1377% | 2,584 |
| Return on Equity (ROE) | 7.9346% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.6149% | 1,820 |
| Net charge-offs to loans | 0.3188% | 507 |
| Credit loss provision to net charge-offs | 153.2847% | 2,111 |
| Earnings coverage of net charge-offs (x) | 6.0432% | 2,467 |
| Efficiency ratio | 70.1736% | 1,933 |
| Assets per employee ($millions) | 4.5340% | 3,741 |
| Cash dividends to net income (ytd only)* | 16.6315% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 1,935 |
| Loan loss allowance to noncurrent loans | 87.6434% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3334% | 762 |
| Noncurrent loans to loans | 1.4987% | 1,010 |
| Net loans and leases to total assets | 77.0619% | 989 |
| Net loans and leases to deposits | 101.6429% | 459 |
| Net loans and leases to core deposits | 129.9995% | 254 |
| Total domestic deposits to total assets | 75.8163% | 4,444 |
| Equity capital to assets | 10.6777% | 2,596 |
| Core capital (leverage) ratio | 9.9836% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0999% | 2,566 |
| Memoranda: | ||
| Average total assets | $1,403,391,667 | 620 |
| Average earning assets | $1,310,786,000 | 610 |
| Average equity | $155,194,333 | 645 |
| Average total loans | $1,117,285,667 | 563 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,288 |
| Cost of funding earning assets | 1.1927% | 793 |
| Net interest margin | 3.6668% | 2,444 |
| Noninterest income to average assets | 1.5750% | 361 |
| Noninterest expense to average assets | 3.5858% | 823 |
| Loan and lease loss provision to assets | 0.2977% | 1,041 |
| Net operating income to assets | 0.8640% | 2,641 |
| Return on assets (ROA) | 0.8529% | 2,795 |
| Pretax return on assets | 1.1040% | 2,504 |
| Return on Equity (ROE) | 7.5687% | 2,701 |
| Retained earnings to average equity (ytd only) | 7.5687% | 1,355 |
| Net charge-offs to loans | -0.0772% | 4,765 |
| Credit loss provision to net charge-offs | -478.7736% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5651% | 2,149 |
| Assets per employee ($millions) | 4.2632% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,657 |
| Loan loss allowance to noncurrent loans | 101.4744% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 884 |
| Noncurrent loans to loans | 1.3921% | 1,152 |
| Net loans and leases to total assets | 79.7144% | 728 |
| Net loans and leases to deposits | 98.0057% | 712 |
| Net loans and leases to core deposits | 125.3356% | 347 |
| Total domestic deposits to total assets | 81.3365% | 3,590 |
| Equity capital to assets | 11.4702% | 2,461 |
| Core capital (leverage) ratio | 10.1710% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6199% | 2,879 |
| Memoranda: | ||
| Average total assets | $1,363,823,500 | 615 |
| Average earning assets | $1,274,454,500 | 603 |
| Average equity | $153,686,000 | 646 |
| Average total loans | $1,098,027,000 | 548 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 1,109 |
| Cost of funding earning assets | 1.3719% | 613 |
| Net interest margin | 3.7773% | 2,579 |
| Noninterest income to average assets | 1.6141% | 360 |
| Noninterest expense to average assets | 3.5308% | 925 |
| Loan and lease loss provision to assets | 0.2759% | 640 |
| Net operating income to assets | 1.0107% | 2,812 |
| Return on assets (ROA) | 1.0379% | 2,797 |
| Pretax return on assets | 1.3425% | 2,354 |
| Return on Equity (ROE) | 9.2879% | 2,616 |
| Retained earnings to average equity (ytd only) | 6.7710% | 1,494 |
| Net charge-offs to loans | 0.2638% | 785 |
| Credit loss provision to net charge-offs | 130.7971% | 1,950 |
| Earnings coverage of net charge-offs (x) | 7.5091% | 2,869 |
| Efficiency ratio | 68.9016% | 2,328 |
| Assets per employee ($millions) | 4.4689% | 3,279 |
| Cash dividends to net income (ytd only)* | 27.0987% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 1,940 |
| Loan loss allowance to noncurrent loans | 136.4237% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 1,279 |
| Noncurrent loans to loans | 0.9503% | 1,613 |
| Net loans and leases to total assets | 79.1300% | 909 |
| Net loans and leases to deposits | 96.8075% | 859 |
| Net loans and leases to core deposits | 136.2782% | 208 |
| Total domestic deposits to total assets | 81.7395% | 3,577 |
| Equity capital to assets | 11.0697% | 2,932 |
| Core capital (leverage) ratio | 9.7293% | 3,814 |
| Tier 1 risk-based capital ratio | 11.3231% | 4,722 |
| Total risk-based capital ratio | 12.5447% | 4,624 |
| Memoranda: | ||
| Average total assets | $1,308,434,800 | 615 |
| Average earning assets | $1,212,575,400 | 604 |
| Average equity | $146,212,200 | 640 |
| Average total loans | $1,046,114,800 | 551 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 1,163 |
| Cost of funding earning assets | 1.3631% | 653 |
| Net interest margin | 3.7839% | 2,644 |
| Noninterest income to average assets | 1.5516% | 377 |
| Noninterest expense to average assets | 3.5243% | 920 |
| Loan and lease loss provision to assets | 0.2470% | 668 |
| Net operating income to assets | 0.9907% | 3,015 |
| Return on assets (ROA) | 0.9899% | 3,093 |
| Pretax return on assets | 1.2772% | 2,734 |
| Return on Equity (ROE) | 8.8360% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.9567% | 1,880 |
| Net charge-offs to loans | 0.2735% | 641 |
| Credit loss provision to net charge-offs | 113.0784% | 2,058 |
| Earnings coverage of net charge-offs (x) | 6.9821% | 2,788 |
| Efficiency ratio | 69.6593% | 2,167 |
| Assets per employee ($millions) | 4.3886% | 3,358 |
| Cash dividends to net income (ytd only)* | 21.2693% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,197 |
| Loan loss allowance to noncurrent loans | 90.9242% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 900 |
| Noncurrent loans to loans | 1.3823% | 1,113 |
| Net loans and leases to total assets | 80.0633% | 838 |
| Net loans and leases to deposits | 97.8740% | 831 |
| Net loans and leases to core deposits | 137.4290% | 209 |
| Total domestic deposits to total assets | 81.8024% | 3,529 |
| Equity capital to assets | 11.1366% | 2,980 |
| Core capital (leverage) ratio | 10.0978% | 3,536 |
| Tier 1 risk-based capital ratio | 11.1914% | 4,827 |
| Total risk-based capital ratio | 12.3707% | 4,747 |
| Memoranda: | ||
| Average total assets | $1,292,552,750 | 619 |
| Average earning assets | $1,194,920,500 | 612 |
| Average equity | $144,797,250 | 642 |
| Average total loans | $1,032,670,250 | 557 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 1,336 |
| Cost of funding earning assets | 1.3160% | 704 |
| Net interest margin | 3.7393% | 2,793 |
| Noninterest income to average assets | 1.3929% | 451 |
| Noninterest expense to average assets | 3.4762% | 986 |
| Loan and lease loss provision to assets | 0.2399% | 651 |
| Net operating income to assets | 0.8997% | 3,283 |
| Return on assets (ROA) | 0.8997% | 3,353 |
| Pretax return on assets | 1.1554% | 3,060 |
| Return on Equity (ROE) | 8.0147% | 3,288 |
| Retained earnings to average equity (ytd only) | 5.1644% | 2,690 |
| Net charge-offs to loans | 0.2260% | 747 |
| Credit loss provision to net charge-offs | 133.5079% | 1,629 |
| Earnings coverage of net charge-offs (x) | 7.7661% | 2,466 |
| Efficiency ratio | 71.2171% | 2,033 |
| Assets per employee ($millions) | 4.3778% | 3,320 |
| Cash dividends to net income (ytd only)* | 35.5637% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,891 |
| Loan loss allowance to noncurrent loans | 97.7534% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.3083% | 964 |
| Noncurrent loans to loans | 1.3593% | 1,144 |
| Net loans and leases to total assets | 77.9850% | 1,219 |
| Net loans and leases to deposits | 95.2888% | 1,117 |
| Net loans and leases to core deposits | 131.6374% | 294 |
| Total domestic deposits to total assets | 81.8407% | 3,563 |
| Equity capital to assets | 11.0830% | 2,962 |
| Core capital (leverage) ratio | 10.1359% | 3,467 |
| Tier 1 risk-based capital ratio | 11.3582% | 4,763 |
| Total risk-based capital ratio | 12.6021% | 4,659 |
| Memoranda: | ||
| Average total assets | $1,275,764,670 | 626 |
| Average earning assets | $1,186,785,670 | 616 |
| Average equity | $143,211,330 | 646 |
| Average total loans | $1,013,937,670 | 565 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 1,150 |
| Cost of funding earning assets | 1.2711% | 727 |
| Net interest margin | 3.8043% | 2,508 |
| Noninterest income to average assets | 1.3976% | 440 |
| Noninterest expense to average assets | 3.4238% | 1,076 |
| Loan and lease loss provision to assets | 0.2434% | 601 |
| Net operating income to assets | 0.9801% | 2,923 |
| Return on assets (ROA) | 0.9801% | 2,965 |
| Pretax return on assets | 1.2621% | 2,589 |
| Return on Equity (ROE) | 8.6737% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.6737% | 1,427 |
| Net charge-offs to loans | 0.1916% | 726 |
| Credit loss provision to net charge-offs | 159.3750% | 1,192 |
| Earnings coverage of net charge-offs (x) | 9.8563% | 1,994 |
| Efficiency ratio | 69.3157% | 2,453 |
| Assets per employee ($millions) | 4.3382% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,807 |
| Loan loss allowance to noncurrent loans | 259.3069% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 2,103 |
| Noncurrent loans to loans | 0.5264% | 2,741 |
| Net loans and leases to total assets | 78.3820% | 1,092 |
| Net loans and leases to deposits | 97.5466% | 835 |
| Net loans and leases to core deposits | 120.8102% | 505 |
| Total domestic deposits to total assets | 80.3534% | 4,103 |
| Equity capital to assets | 11.4106% | 2,480 |
| Core capital (leverage) ratio | 10.3101% | 3,265 |
| Tier 1 risk-based capital ratio | 11.7600% | 4,586 |
| Total risk-based capital ratio | 13.0105% | 4,485 |
| Memoranda: | ||
| Average total assets | $1,256,976,000 | 637 |
| Average earning assets | $1,166,898,500 | 632 |
| Average equity | $142,038,000 | 645 |
| Average total loans | $1,001,905,000 | 575 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 923 |
| Cost of funding earning assets | 1.1329% | 451 |
| Net interest margin | 3.9309% | 2,223 |
| Noninterest income to average assets | 1.5002% | 407 |
| Noninterest expense to average assets | 3.3714% | 1,197 |
| Loan and lease loss provision to assets | 0.2427% | 717 |
| Net operating income to assets | 1.1909% | 2,221 |
| Return on assets (ROA) | 1.1909% | 2,215 |
| Pretax return on assets | 1.5194% | 1,717 |
| Return on Equity (ROE) | 11.3857% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.1837% | 1,158 |
| Net charge-offs to loans | 0.0944% | 1,816 |
| Credit loss provision to net charge-offs | 317.7258% | 984 |
| Earnings coverage of net charge-offs (x) | 23.0691% | 1,869 |
| Efficiency ratio | 65.5248% | 2,947 |
| Assets per employee ($millions) | 4.5181% | 3,144 |
| Cash dividends to net income (ytd only)* | 28.1230% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 1,869 |
| Loan loss allowance to noncurrent loans | 224.8323% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 1,863 |
| Noncurrent loans to loans | 0.5960% | 2,499 |
| Net loans and leases to total assets | 78.8791% | 1,119 |
| Net loans and leases to deposits | 98.3277% | 869 |
| Net loans and leases to core deposits | 130.1736% | 318 |
| Total domestic deposits to total assets | 80.2206% | 4,057 |
| Equity capital to assets | 11.1883% | 2,524 |
| Core capital (leverage) ratio | 10.2008% | 3,354 |
| Tier 1 risk-based capital ratio | 11.4833% | 4,735 |
| Total risk-based capital ratio | 12.7335% | 4,637 |
| Memoranda: | ||
| Average total assets | $1,174,320,000 | 653 |
| Average earning assets | $1,085,412,400 | 653 |
| Average equity | $122,829,400 | 704 |
| Average total loans | $949,775,400 | 585 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 899 |
| Cost of funding earning assets | 1.0804% | 430 |
| Net interest margin | 3.9426% | 2,154 |
| Noninterest income to average assets | 1.5884% | 386 |
| Noninterest expense to average assets | 3.3846% | 1,143 |
| Loan and lease loss provision to assets | 0.2684% | 569 |
| Net operating income to assets | 1.2382% | 2,095 |
| Return on assets (ROA) | 1.2382% | 2,095 |
| Pretax return on assets | 1.5833% | 1,626 |
| Return on Equity (ROE) | 12.0652% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.1777% | 868 |
| Net charge-offs to loans | 0.0450% | 2,199 |
| Credit loss provision to net charge-offs | 735.7595% | 515 |
| Earnings coverage of net charge-offs (x) | 50.7630% | 1,164 |
| Efficiency ratio | 64.4849% | 3,105 |
| Assets per employee ($millions) | 4.6485% | 2,919 |
| Cash dividends to net income (ytd only)* | 15.6442% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,814 |
| Loan loss allowance to noncurrent loans | 186.4700% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 1,653 |
| Noncurrent loans to loans | 0.7352% | 2,240 |
| Net loans and leases to total assets | 79.5363% | 1,089 |
| Net loans and leases to deposits | 97.6633% | 973 |
| Net loans and leases to core deposits | 129.8108% | 334 |
| Total domestic deposits to total assets | 81.4394% | 3,753 |
| Equity capital to assets | 10.3050% | 3,327 |
| Core capital (leverage) ratio | 9.3905% | 4,286 |
| Tier 1 risk-based capital ratio | 10.4372% | 5,258 |
| Total risk-based capital ratio | 11.6879% | 5,178 |
| Memoranda: | ||
| Average total assets | $1,155,018,500 | 661 |
| Average earning assets | $1,068,672,250 | 657 |
| Average equity | $118,530,500 | 718 |
| Average total loans | $937,069,000 | 587 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 859 |
| Cost of funding earning assets | 1.0210% | 423 |
| Net interest margin | 3.9601% | 2,001 |
| Noninterest income to average assets | 1.5622% | 400 |
| Noninterest expense to average assets | 3.4097% | 1,127 |
| Loan and lease loss provision to assets | 0.2734% | 547 |
| Net operating income to assets | 1.2207% | 2,098 |
| Return on assets (ROA) | 1.2207% | 2,097 |
| Pretax return on assets | 1.5447% | 1,669 |
| Return on Equity (ROE) | 11.9133% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.0254% | 1,212 |
| Net charge-offs to loans | 0.0798% | 1,530 |
| Credit loss provision to net charge-offs | 421.1957% | 792 |
| Earnings coverage of net charge-offs (x) | 28.0136% | 1,566 |
| Efficiency ratio | 65.0676% | 3,146 |
| Assets per employee ($millions) | 4.1174% | 3,697 |
| Cash dividends to net income (ytd only)* | 24.2415% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,093 |
| Loan loss allowance to noncurrent loans | 224.0206% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 1,853 |
| Noncurrent loans to loans | 0.5873% | 2,655 |
| Net loans and leases to total assets | 81.6339% | 751 |
| Net loans and leases to deposits | 101.8963% | 669 |
| Net loans and leases to core deposits | 136.0502% | 237 |
| Total domestic deposits to total assets | 80.1146% | 4,212 |
| Equity capital to assets | 10.2956% | 3,342 |
| Core capital (leverage) ratio | 9.0924% | 4,594 |
| Tier 1 risk-based capital ratio | 10.0972% | 5,405 |
| Total risk-based capital ratio | 11.3403% | 5,338 |
| Memoranda: | ||
| Average total assets | $1,134,058,000 | 674 |
| Average earning assets | $1,049,712,670 | 670 |
| Average equity | $116,206,000 | 731 |
| Average total loans | $922,046,000 | 597 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 832 |
| Cost of funding earning assets | 0.9573% | 455 |
| Net interest margin | 3.9636% | 1,834 |
| Noninterest income to average assets | 1.4679% | 437 |
| Noninterest expense to average assets | 3.3034% | 1,339 |
| Loan and lease loss provision to assets | 0.2767% | 493 |
| Net operating income to assets | 1.2587% | 1,779 |
| Return on assets (ROA) | 1.2587% | 1,789 |
| Pretax return on assets | 1.5503% | 1,523 |
| Return on Equity (ROE) | 12.3139% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.3139% | 627 |
| Net charge-offs to loans | 0.1564% | 899 |
| Credit loss provision to net charge-offs | 219.5467% | 986 |
| Earnings coverage of net charge-offs (x) | 14.4986% | 1,707 |
| Efficiency ratio | 64.2291% | 3,441 |
| Assets per employee ($millions) | 4.2676% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,222 |
| Loan loss allowance to noncurrent loans | 330.5873% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,345 |
| Noncurrent loans to loans | 0.3950% | 3,372 |
| Net loans and leases to total assets | 79.0806% | 1,064 |
| Net loans and leases to deposits | 97.9493% | 863 |
| Net loans and leases to core deposits | 116.3147% | 715 |
| Total domestic deposits to total assets | 80.7363% | 4,263 |
| Equity capital to assets | 10.4003% | 3,169 |
| Core capital (leverage) ratio | 9.1721% | 4,476 |
| Tier 1 risk-based capital ratio | 10.3636% | 5,396 |
| Total risk-based capital ratio | 11.5853% | 5,329 |
| Memoranda: | ||
| Average total assets | $1,120,534,500 | 685 |
| Average earning assets | $1,035,428,500 | 684 |
| Average equity | $114,537,500 | 743 |
| Average total loans | $902,823,000 | 609 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 945 |
| Cost of funding earning assets | 0.8196% | 559 |
| Net interest margin | 3.9979% | 1,760 |
| Noninterest income to average assets | 1.4916% | 475 |
| Noninterest expense to average assets | 3.4564% | 1,117 |
| Loan and lease loss provision to assets | 0.2940% | 590 |
| Net operating income to assets | 0.9790% | 2,332 |
| Return on assets (ROA) | 0.9810% | 2,362 |
| Pretax return on assets | 1.4198% | 1,927 |
| Return on Equity (ROE) | 9.5527% | 2,080 |
| Retained earnings to average equity (ytd only) | 6.5932% | 1,237 |
| Net charge-offs to loans | 0.1261% | 1,786 |
| Credit loss provision to net charge-offs | 291.1025% | 967 |
| Earnings coverage of net charge-offs (x) | 16.9420% | 2,150 |
| Efficiency ratio | 66.7467% | 3,126 |
| Assets per employee ($millions) | 4.3711% | 3,374 |
| Cash dividends to net income (ytd only)* | 30.9806% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,328 |
| Loan loss allowance to noncurrent loans | 170.6794% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 2,274 |
| Noncurrent loans to loans | 0.7491% | 2,331 |
| Net loans and leases to total assets | 79.9904% | 957 |
| Net loans and leases to deposits | 101.0981% | 650 |
| Net loans and leases to core deposits | 121.1586% | 553 |
| Total domestic deposits to total assets | 79.1216% | 4,518 |
| Equity capital to assets | 10.0383% | 3,665 |
| Core capital (leverage) ratio | 8.7926% | 4,871 |
| Tier 1 risk-based capital ratio | 9.6249% | 5,588 |
| Total risk-based capital ratio | 10.8104% | 5,576 |
| Memoranda: | ||
| Average total assets | $1,023,923,600 | 723 |
| Average earning assets | $941,401,200 | 718 |
| Average equity | $105,153,800 | 782 |
| Average total loans | $820,142,800 | 640 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 985 |
| Cost of funding earning assets | 0.7960% | 591 |
| Net interest margin | 3.9734% | 1,792 |
| Noninterest income to average assets | 1.5023% | 477 |
| Noninterest expense to average assets | 3.4982% | 998 |
| Loan and lease loss provision to assets | 0.2810% | 579 |
| Net operating income to assets | 0.9064% | 2,997 |
| Return on assets (ROA) | 0.9090% | 3,046 |
| Pretax return on assets | 1.3763% | 2,194 |
| Return on Equity (ROE) | 8.7966% | 2,729 |
| Retained earnings to average equity (ytd only) | 6.9398% | 1,722 |
| Net charge-offs to loans | 0.0399% | 2,639 |
| Credit loss provision to net charge-offs | 881.2500% | 405 |
| Earnings coverage of net charge-offs (x) | 51.8462% | 1,095 |
| Efficiency ratio | 67.7715% | 2,919 |
| Assets per employee ($millions) | 3.9561% | 4,063 |
| Cash dividends to net income (ytd only)* | 21.1081% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,138 |
| Loan loss allowance to noncurrent loans | 181.2420% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 2,520 |
| Noncurrent loans to loans | 0.7425% | 2,505 |
| Net loans and leases to total assets | 78.4985% | 1,196 |
| Net loans and leases to deposits | 98.0276% | 911 |
| Net loans and leases to core deposits | 114.3931% | 818 |
| Total domestic deposits to total assets | 80.0780% | 4,296 |
| Equity capital to assets | 10.0784% | 3,826 |
| Core capital (leverage) ratio | 8.7259% | 5,033 |
| Tier 1 risk-based capital ratio | 9.7019% | 5,652 |
| Total risk-based capital ratio | 10.9446% | 5,626 |
| Memoranda: | ||
| Average total assets | $1,003,433,250 | 734 |
| Average earning assets | $921,564,750 | 740 |
| Average equity | $103,689,250 | 792 |
| Average total loans | $801,164,000 | 657 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 955 |
| Cost of funding earning assets | 0.7588% | 658 |
| Net interest margin | 3.9975% | 1,613 |
| Noninterest income to average assets | 1.4509% | 514 |
| Noninterest expense to average assets | 3.5823% | 887 |
| Loan and lease loss provision to assets | 0.2875% | 544 |
| Net operating income to assets | 0.8349% | 3,222 |
| Return on assets (ROA) | 0.8390% | 3,254 |
| Pretax return on assets | 1.2589% | 2,539 |
| Return on Equity (ROE) | 8.0480% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.2341% | 2,559 |
| Net charge-offs to loans | 0.0475% | 2,264 |
| Credit loss provision to net charge-offs | 756.6845% | 471 |
| Earnings coverage of net charge-offs (x) | 40.5455% | 1,239 |
| Efficiency ratio | 69.8168% | 2,699 |
| Assets per employee ($millions) | 4.0919% | 3,802 |
| Cash dividends to net income (ytd only)* | 34.9637% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,408 |
| Loan loss allowance to noncurrent loans | 358.9004% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,645 |
| Noncurrent loans to loans | 0.3625% | 3,732 |
| Net loans and leases to total assets | 79.0709% | 1,085 |
| Net loans and leases to deposits | 101.2365% | 659 |
| Net loans and leases to core deposits | 117.3632% | 670 |
| Total domestic deposits to total assets | 78.1052% | 4,798 |
| Equity capital to assets | 10.1629% | 3,720 |
| Core capital (leverage) ratio | 8.8266% | 4,920 |
| Tier 1 risk-based capital ratio | 9.9497% | 5,643 |
| Total risk-based capital ratio | 11.1759% | 5,609 |
| Memoranda: | ||
| Average total assets | $984,500,000 | 758 |
| Average earning assets | $904,267,000 | 758 |
| Average equity | $102,634,330 | 805 |
| Average total loans | $787,012,000 | 667 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 871 |
| Cost of funding earning assets | 0.7366% | 705 |
| Net interest margin | 3.9993% | 1,477 |
| Noninterest income to average assets | 1.5996% | 432 |
| Noninterest expense to average assets | 3.6174% | 877 |
| Loan and lease loss provision to assets | 0.2969% | 462 |
| Net operating income to assets | 0.9011% | 2,758 |
| Return on assets (ROA) | 0.9011% | 2,811 |
| Pretax return on assets | 1.3559% | 2,041 |
| Return on Equity (ROE) | 8.5297% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.5297% | 1,266 |
| Net charge-offs to loans | 0.0255% | 2,247 |
| Credit loss provision to net charge-offs | 1,459.1837% | 234 |
| Earnings coverage of net charge-offs (x) | 81.2245% | 648 |
| Efficiency ratio | 68.5289% | 3,120 |
| Assets per employee ($millions) | 4.0824% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,552 |
| Loan loss allowance to noncurrent loans | 369.3120% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 3,759 |
| Noncurrent loans to loans | 0.3513% | 3,840 |
| Net loans and leases to total assets | 79.1018% | 965 |
| Net loans and leases to deposits | 99.1377% | 673 |
| Net loans and leases to core deposits | 112.4244% | 753 |
| Total domestic deposits to total assets | 79.7898% | 4,660 |
| Equity capital to assets | 10.5691% | 3,106 |
| Core capital (leverage) ratio | 9.1379% | 4,557 |
| Tier 1 risk-based capital ratio | 10.4139% | 5,580 |
| Total risk-based capital ratio | 11.6376% | 5,514 |
| Memoranda: | ||
| Average total assets | $963,222,500 | 785 |
| Average earning assets | $884,053,000 | 776 |
| Average equity | $101,762,000 | 806 |
| Average total loans | $769,114,000 | 685 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 1,205 |
| Cost of funding earning assets | 0.6815% | 900 |
| Net interest margin | 3.9502% | 1,789 |
| Noninterest income to average assets | 1.6998% | 421 |
| Noninterest expense to average assets | 3.6033% | 1,015 |
| Loan and lease loss provision to assets | 0.2613% | 791 |
| Net operating income to assets | 0.9666% | 2,504 |
| Return on assets (ROA) | 0.9807% | 2,540 |
| Pretax return on assets | 1.4648% | 1,697 |
| Return on Equity (ROE) | 8.9129% | 2,465 |
| Retained earnings to average equity (ytd only) | 5.9228% | 1,752 |
| Net charge-offs to loans | 0.0525% | 2,985 |
| Credit loss provision to net charge-offs | 632.7078% | 541 |
| Earnings coverage of net charge-offs (x) | 41.2922% | 1,152 |
| Efficiency ratio | 67.5676% | 3,329 |
| Assets per employee ($millions) | 3.9781% | 4,006 |
| Cash dividends to net income (ytd only)* | 33.5478% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,796 |
| Loan loss allowance to noncurrent loans | 262.1853% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 3,426 |
| Noncurrent loans to loans | 0.4780% | 3,438 |
| Net loans and leases to total assets | 78.5499% | 1,119 |
| Net loans and leases to deposits | 100.4601% | 640 |
| Net loans and leases to core deposits | 113.1080% | 732 |
| Total domestic deposits to total assets | 78.1902% | 4,945 |
| Equity capital to assets | 10.5602% | 3,089 |
| Core capital (leverage) ratio | 9.2501% | 4,406 |
| Tier 1 risk-based capital ratio | 10.6311% | 5,511 |
| Total risk-based capital ratio | 11.8135% | 5,474 |
| Memoranda: | ||
| Average total assets | $903,331,000 | 796 |
| Average earning assets | $825,197,600 | 808 |
| Average equity | $99,395,600 | 793 |
| Average total loans | $710,270,000 | 710 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,274 |
| Cost of funding earning assets | 0.6625% | 994 |
| Net interest margin | 3.9457% | 1,830 |
| Noninterest income to average assets | 1.7083% | 427 |
| Noninterest expense to average assets | 3.6485% | 924 |
| Loan and lease loss provision to assets | 0.2759% | 632 |
| Net operating income to assets | 0.9227% | 2,796 |
| Return on assets (ROA) | 0.9418% | 2,824 |
| Pretax return on assets | 1.4128% | 1,994 |
| Return on Equity (ROE) | 8.4683% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.0401% | 1,613 |
| Net charge-offs to loans | 0.0668% | 2,376 |
| Credit loss provision to net charge-offs | 527.1429% | 678 |
| Earnings coverage of net charge-offs (x) | 31.7168% | 1,433 |
| Efficiency ratio | 68.3457% | 3,169 |
| Assets per employee ($millions) | 3.8279% | 4,257 |
| Cash dividends to net income (ytd only)* | 16.8651% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 3,088 |
| Loan loss allowance to noncurrent loans | 209.8296% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 3,324 |
| Noncurrent loans to loans | 0.5841% | 3,259 |
| Net loans and leases to total assets | 77.8625% | 1,224 |
| Net loans and leases to deposits | 101.5500% | 605 |
| Net loans and leases to core deposits | 115.2716% | 683 |
| Total domestic deposits to total assets | 76.6740% | 5,139 |
| Equity capital to assets | 10.9679% | 3,044 |
| Core capital (leverage) ratio | 9.4050% | 4,323 |
| Tier 1 risk-based capital ratio | 10.4864% | 5,627 |
| Total risk-based capital ratio | 11.6008% | 5,602 |
| Memoranda: | ||
| Average total assets | $891,475,000 | 810 |
| Average earning assets | $813,491,000 | 821 |
| Average equity | $99,144,000 | 797 |
| Average total loans | $698,763,750 | 721 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 1,134 |
| Cost of funding earning assets | 0.6330% | 1,127 |
| Net interest margin | 4.0316% | 1,546 |
| Noninterest income to average assets | 1.6616% | 452 |
| Noninterest expense to average assets | 3.6944% | 889 |
| Loan and lease loss provision to assets | 0.2800% | 658 |
| Net operating income to assets | 0.9097% | 2,816 |
| Return on assets (ROA) | 0.9097% | 2,948 |
| Pretax return on assets | 1.3595% | 2,169 |
| Return on Equity (ROE) | 8.1398% | 2,918 |
| Retained earnings to average equity (ytd only) | 5.9765% | 2,126 |
| Net charge-offs to loans | 0.1062% | 1,764 |
| Credit loss provision to net charge-offs | 336.9863% | 879 |
| Earnings coverage of net charge-offs (x) | 19.7315% | 1,760 |
| Efficiency ratio | 68.8788% | 3,176 |
| Assets per employee ($millions) | 3.6741% | 4,486 |
| Cash dividends to net income (ytd only)* | 26.5766% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,345 |
| Loan loss allowance to noncurrent loans | 151.5415% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 2,735 |
| Noncurrent loans to loans | 0.7935% | 2,764 |
| Net loans and leases to total assets | 76.2733% | 1,448 |
| Net loans and leases to deposits | 97.3665% | 941 |
| Net loans and leases to core deposits | 110.4312% | 909 |
| Total domestic deposits to total assets | 78.3363% | 4,931 |
| Equity capital to assets | 11.0783% | 2,972 |
| Core capital (leverage) ratio | 9.5724% | 4,103 |
| Tier 1 risk-based capital ratio | 10.8758% | 5,496 |
| Total risk-based capital ratio | 11.9666% | 5,494 |
| Memoranda: | ||
| Average total assets | $878,569,670 | 826 |
| Average earning assets | $800,284,330 | 828 |
| Average equity | $98,184,670 | 803 |
| Average total loans | $687,266,000 | 727 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,281 |
| Cost of funding earning assets | 0.6135% | 1,249 |
| Net interest margin | 3.9803% | 1,671 |
| Noninterest income to average assets | 1.7032% | 424 |
| Noninterest expense to average assets | 3.6562% | 952 |
| Loan and lease loss provision to assets | 0.3190% | 480 |
| Net operating income to assets | 0.9048% | 2,733 |
| Return on assets (ROA) | 0.9048% | 2,856 |
| Pretax return on assets | 1.3497% | 2,091 |
| Return on Equity (ROE) | 8.0602% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.0602% | 1,432 |
| Net charge-offs to loans | 0.1036% | 1,508 |
| Credit loss provision to net charge-offs | 390.9605% | 721 |
| Earnings coverage of net charge-offs (x) | 20.4520% | 1,465 |
| Efficiency ratio | 68.2825% | 3,415 |
| Assets per employee ($millions) | 3.7951% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,725 |
| Loan loss allowance to noncurrent loans | 288.8167% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 3,732 |
| Noncurrent loans to loans | 0.4007% | 3,996 |
| Net loans and leases to total assets | 78.3435% | 1,057 |
| Net loans and leases to deposits | 100.3045% | 607 |
| Net loans and leases to core deposits | 117.7036% | 542 |
| Total domestic deposits to total assets | 78.1057% | 5,129 |
| Equity capital to assets | 11.2882% | 2,641 |
| Core capital (leverage) ratio | 9.7375% | 3,861 |
| Tier 1 risk-based capital ratio | 10.6315% | 5,691 |
| Total risk-based capital ratio | 11.6640% | 5,710 |
| Memoranda: | ||
| Average total assets | $867,779,500 | 844 |
| Average earning assets | $789,592,500 | 847 |
| Average equity | $97,416,500 | 811 |
| Average total loans | $683,434,000 | 731 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 1,436 |
| Cost of funding earning assets | 0.5559% | 1,711 |
| Net interest margin | 4.0031% | 1,707 |
| Noninterest income to average assets | 1.7670% | 429 |
| Noninterest expense to average assets | 3.9338% | 731 |
| Loan and lease loss provision to assets | 0.2519% | 754 |
| Net operating income to assets | 0.8230% | 3,230 |
| Return on assets (ROA) | 0.8230% | 3,311 |
| Pretax return on assets | 1.1979% | 2,667 |
| Return on Equity (ROE) | 7.5672% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.5603% | 1,505 |
| Net charge-offs to loans | 0.1664% | 1,701 |
| Credit loss provision to net charge-offs | 198.1132% | 1,416 |
| Earnings coverage of net charge-offs (x) | 11.4028% | 2,581 |
| Efficiency ratio | 72.6317% | 2,801 |
| Assets per employee ($millions) | 3.4646% | 4,886 |
| Cash dividends to net income (ytd only)* | 13.3052% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,992 |
| Loan loss allowance to noncurrent loans | 283.7879% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 3,785 |
| Noncurrent loans to loans | 0.3911% | 4,052 |
| Net loans and leases to total assets | 77.3782% | 1,198 |
| Net loans and leases to deposits | 99.4332% | 720 |
| Net loans and leases to core deposits | 115.3456% | 621 |
| Total domestic deposits to total assets | 77.8192% | 5,202 |
| Equity capital to assets | 11.1630% | 2,665 |
| Core capital (leverage) ratio | 9.5584% | 4,092 |
| Tier 1 risk-based capital ratio | 10.4914% | 5,777 |
| Total risk-based capital ratio | 11.4684% | 5,816 |
| Memoranda: | ||
| Average total assets | $833,728,600 | 833 |
| Average earning assets | $753,208,000 | 845 |
| Average equity | $90,681,200 | 839 |
| Average total loans | $636,901,000 | 735 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,474 |
| Cost of funding earning assets | 0.5384% | 1,901 |
| Net interest margin | 4.0059% | 1,679 |
| Noninterest income to average assets | 1.8742% | 397 |
| Noninterest expense to average assets | 4.1046% | 589 |
| Loan and lease loss provision to assets | 0.2504% | 682 |
| Net operating income to assets | 0.7805% | 3,524 |
| Return on assets (ROA) | 0.7805% | 3,611 |
| Pretax return on assets | 1.1344% | 3,080 |
| Return on Equity (ROE) | 7.2253% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.2253% | 1,589 |
| Net charge-offs to loans | 0.1862% | 1,369 |
| Credit loss provision to net charge-offs | 177.1689% | 1,485 |
| Earnings coverage of net charge-offs (x) | 9.7991% | 2,662 |
| Efficiency ratio | 74.3300% | 2,500 |
| Assets per employee ($millions) | 3.2822% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 4,198 |
| Loan loss allowance to noncurrent loans | 523.5856% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 4,581 |
| Noncurrent loans to loans | 0.2110% | 4,807 |
| Net loans and leases to total assets | 76.2076% | 1,358 |
| Net loans and leases to deposits | 100.7524% | 623 |
| Net loans and leases to core deposits | 119.8176% | 472 |
| Total domestic deposits to total assets | 75.6385% | 5,547 |
| Equity capital to assets | 11.3754% | 2,611 |
| Core capital (leverage) ratio | 9.7119% | 4,018 |
| Tier 1 risk-based capital ratio | 10.4801% | 5,888 |
| Total risk-based capital ratio | 11.4258% | 5,933 |
| Memoranda: | ||
| Average total assets | $826,490,750 | 853 |
| Average earning assets | $745,876,750 | 857 |
| Average equity | $89,276,250 | 861 |
| Average total loans | $627,371,750 | 752 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,499 |
| Cost of funding earning assets | 0.5156% | 2,108 |
| Net interest margin | 3.9945% | 1,653 |
| Noninterest income to average assets | 1.7742% | 438 |
| Noninterest expense to average assets | 4.0654% | 629 |
| Loan and lease loss provision to assets | 0.2627% | 642 |
| Net operating income to assets | 0.7276% | 3,751 |
| Return on assets (ROA) | 0.7276% | 3,873 |
| Pretax return on assets | 1.0498% | 3,383 |
| Return on Equity (ROE) | 6.8592% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.8592% | 1,763 |
| Net charge-offs to loans | 0.2565% | 1,013 |
| Credit loss provision to net charge-offs | 135.6336% | 1,649 |
| Earnings coverage of net charge-offs (x) | 6.7767% | 2,741 |
| Efficiency ratio | 75.1333% | 2,522 |
| Assets per employee ($millions) | 3.2179% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,585 |
| Loan loss allowance to noncurrent loans | 257.1811% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 3,852 |
| Noncurrent loans to loans | 0.4097% | 4,250 |
| Net loans and leases to total assets | 76.1481% | 1,342 |
| Net loans and leases to deposits | 100.4501% | 624 |
| Net loans and leases to core deposits | 113.5956% | 686 |
| Total domestic deposits to total assets | 75.8068% | 5,617 |
| Equity capital to assets | 11.1857% | 2,682 |
| Core capital (leverage) ratio | 9.4890% | 4,301 |
| Tier 1 risk-based capital ratio | 10.0694% | 6,065 |
| Total risk-based capital ratio | 10.9487% | 6,134 |
| Memoranda: | ||
| Average total assets | $823,002,330 | 859 |
| Average earning assets | $742,461,670 | 865 |
| Average equity | $87,299,330 | 885 |
| Average total loans | $621,512,330 | 761 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 1,511 |
| Cost of funding earning assets | 0.4998% | 2,279 |
| Net interest margin | 3.9832% | 1,614 |
| Noninterest income to average assets | 1.5343% | 519 |
| Noninterest expense to average assets | 3.8775% | 795 |
| Loan and lease loss provision to assets | 0.2983% | 493 |
| Net operating income to assets | 0.6620% | 4,000 |
| Return on assets (ROA) | 0.6620% | 4,124 |
| Pretax return on assets | 0.9456% | 3,714 |
| Return on Equity (ROE) | 6.4177% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.4177% | 2,278 |
| Net charge-offs to loans | 0.1671% | 1,271 |
| Credit loss provision to net charge-offs | 238.6719% | 942 |
| Earnings coverage of net charge-offs (x) | 9.9531% | 1,969 |
| Efficiency ratio | 75.2073% | 2,630 |
| Assets per employee ($millions) | 3.3553% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 4,526 |
| Loan loss allowance to noncurrent loans | 232.6838% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 3,925 |
| Noncurrent loans to loans | 0.4727% | 4,161 |
| Net loans and leases to total assets | 74.4481% | 1,430 |
| Net loans and leases to deposits | 96.9518% | 768 |
| Net loans and leases to core deposits | 110.3295% | 732 |
| Total domestic deposits to total assets | 76.7888% | 5,648 |
| Equity capital to assets | 11.0042% | 2,964 |
| Core capital (leverage) ratio | 9.1507% | 4,788 |
| Tier 1 risk-based capital ratio | 9.7986% | 6,214 |
| Total risk-based capital ratio | 10.7064% | 6,257 |
| Memoranda: | ||
| Average total assets | $819,392,500 | 864 |
| Average earning assets | $737,902,500 | 870 |
| Average equity | $84,516,000 | 906 |
| Average total loans | $612,803,000 | 766 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,873 |
| Cost of funding earning assets | 0.4895% | 2,776 |
| Net interest margin | 4.0090% | 1,874 |
| Noninterest income to average assets | 1.6763% | 456 |
| Noninterest expense to average assets | 4.0363% | 724 |
| Loan and lease loss provision to assets | 0.1738% | 1,489 |
| Net operating income to assets | 0.7682% | 3,525 |
| Return on assets (ROA) | 0.8300% | 3,313 |
| Pretax return on assets | 1.1456% | 2,894 |
| Return on Equity (ROE) | 8.4556% | 2,873 |
| Retained earnings to average equity (ytd only) | 6.4288% | 1,694 |
| Net charge-offs to loans | 0.0886% | 3,222 |
| Credit loss provision to net charge-offs | 276.4454% | 920 |
| Earnings coverage of net charge-offs (x) | 19.6253% | 1,771 |
| Efficiency ratio | 76.0600% | 2,500 |
| Assets per employee ($millions) | 3.2029% | 5,428 |
| Cash dividends to net income (ytd only)* | 23.9702% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 4,749 |
| Loan loss allowance to noncurrent loans | 508.2742% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 5,039 |
| Noncurrent loans to loans | 0.2091% | 5,067 |
| Net loans and leases to total assets | 73.5060% | 1,666 |
| Net loans and leases to deposits | 98.5892% | 713 |
| Net loans and leases to core deposits | 114.3983% | 583 |
| Total domestic deposits to total assets | 74.5579% | 5,899 |
| Equity capital to assets | 9.6202% | 4,563 |
| Core capital (leverage) ratio | 7.6146% | 6,164 |
| Tier 1 risk-based capital ratio | 9.1500% | 6,398 |
| Total risk-based capital ratio | 10.1556% | 6,406 |
| Memoranda: | ||
| Average total assets | $742,930,000 | 907 |
| Average earning assets | $665,955,400 | 926 |
| Average equity | $72,922,000 | 1,001 |
| Average total loans | $526,851,800 | 842 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 1,938 |
| Cost of funding earning assets | 0.4896% | 2,868 |
| Net interest margin | 3.9931% | 1,899 |
| Noninterest income to average assets | 1.6839% | 460 |
| Noninterest expense to average assets | 4.0448% | 723 |
| Loan and lease loss provision to assets | 0.1228% | 2,032 |
| Net operating income to assets | 0.7610% | 3,619 |
| Return on assets (ROA) | 0.8425% | 3,311 |
| Pretax return on assets | 1.2084% | 2,743 |
| Return on Equity (ROE) | 8.5357% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.0852% | 1,775 |
| Net charge-offs to loans | 0.0634% | 3,301 |
| Credit loss provision to net charge-offs | 276.7635% | 966 |
| Earnings coverage of net charge-offs (x) | 27.3855% | 1,450 |
| Efficiency ratio | 76.3594% | 2,433 |
| Assets per employee ($millions) | 3.2907% | 5,255 |
| Cash dividends to net income (ytd only)* | 16.9944% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 4,815 |
| Loan loss allowance to noncurrent loans | 340.1349% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,837 |
| Noncurrent loans to loans | 0.3192% | 4,951 |
| Net loans and leases to total assets | 72.5150% | 1,760 |
| Net loans and leases to deposits | 98.7466% | 686 |
| Net loans and leases to core deposits | 111.6689% | 675 |
| Total domestic deposits to total assets | 73.4355% | 6,060 |
| Equity capital to assets | 9.7443% | 4,490 |
| Core capital (leverage) ratio | 7.4820% | 6,290 |
| Tier 1 risk-based capital ratio | 9.2975% | 6,457 |
| Total risk-based capital ratio | 10.3299% | 6,465 |
| Memoranda: | ||
| Average total assets | $724,475,500 | 935 |
| Average earning assets | $648,703,250 | 959 |
| Average equity | $71,509,250 | 1,028 |
| Average total loans | $506,862,500 | 884 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,960 |
| Cost of funding earning assets | 0.4962% | 2,871 |
| Net interest margin | 3.9634% | 1,921 |
| Noninterest income to average assets | 1.5692% | 507 |
| Noninterest expense to average assets | 4.0259% | 736 |
| Loan and lease loss provision to assets | 0.0724% | 2,823 |
| Net operating income to assets | 0.7053% | 3,812 |
| Return on assets (ROA) | 0.8184% | 3,337 |
| Pretax return on assets | 1.1701% | 2,799 |
| Return on Equity (ROE) | 8.2542% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.0519% | 2,288 |
| Net charge-offs to loans | 0.0645% | 3,068 |
| Credit loss provision to net charge-offs | 163.2911% | 1,378 |
| Earnings coverage of net charge-offs (x) | 24.3734% | 1,435 |
| Efficiency ratio | 78.2633% | 2,258 |
| Assets per employee ($millions) | 3.1303% | 5,543 |
| Cash dividends to net income (ytd only)* | 26.6804% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 4,922 |
| Loan loss allowance to noncurrent loans | 723.6410% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 5,276 |
| Noncurrent loans to loans | 0.1516% | 5,557 |
| Net loans and leases to total assets | 69.8304% | 2,112 |
| Net loans and leases to deposits | 97.2978% | 717 |
| Net loans and leases to core deposits | 102.4316% | 1,108 |
| Total domestic deposits to total assets | 71.7697% | 6,267 |
| Equity capital to assets | 9.7941% | 4,365 |
| Core capital (leverage) ratio | 7.5469% | 6,301 |
| Tier 1 risk-based capital ratio | 9.4659% | 6,495 |
| Total risk-based capital ratio | 10.4925% | 6,508 |
| Memoranda: | ||
| Average total assets | $712,580,670 | 947 |
| Average earning assets | $636,023,330 | 970 |
| Average equity | $70,655,000 | 1,033 |
| Average total loans | $490,056,330 | 909 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,132 |
| Cost of funding earning assets | 0.5177% | 2,737 |
| Net interest margin | 3.8831% | 2,143 |
| Noninterest income to average assets | 1.3450% | 637 |
| Noninterest expense to average assets | 3.9114% | 848 |
| Loan and lease loss provision to assets | 0.0743% | 2,649 |
| Net operating income to assets | 0.5714% | 4,345 |
| Return on assets (ROA) | 0.7748% | 3,363 |
| Pretax return on assets | 1.0985% | 2,906 |
| Return on Equity (ROE) | 7.7644% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.7644% | 1,697 |
| Net charge-offs to loans | 0.0911% | 2,251 |
| Credit loss provision to net charge-offs | 120.3704% | 1,455 |
| Earnings coverage of net charge-offs (x) | 14.3519% | 1,616 |
| Efficiency ratio | 80.9058% | 2,067 |
| Assets per employee ($millions) | 3.1114% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,717 |
| Loan loss allowance to noncurrent loans | 588.7383% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 5,059 |
| Noncurrent loans to loans | 0.2011% | 5,491 |
| Net loans and leases to total assets | 67.3295% | 2,333 |
| Net loans and leases to deposits | 90.3061% | 1,113 |
| Net loans and leases to core deposits | 93.9730% | 1,552 |
| Total domestic deposits to total assets | 74.5570% | 6,194 |
| Equity capital to assets | 10.0857% | 3,741 |
| Core capital (leverage) ratio | 7.6628% | 6,281 |
| Tier 1 risk-based capital ratio | 9.8060% | 6,513 |
| Total risk-based capital ratio | 10.8718% | 6,514 |
| Memoranda: | ||
| Average total assets | $699,496,000 | 975 |
| Average earning assets | $621,975,000 | 1,001 |
| Average equity | $69,805,500 | 1,046 |
| Average total loans | $474,286,500 | 937 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,419 |
| Cost of funding earning assets | 0.6471% | 2,225 |
| Net interest margin | 3.5322% | 3,752 |
| Noninterest income to average assets | 2.2017% | 347 |
| Noninterest expense to average assets | 4.2107% | 690 |
| Loan and lease loss provision to assets | 0.1190% | 2,829 |
| Net operating income to assets | 0.7525% | 3,536 |
| Return on assets (ROA) | 0.7513% | 3,640 |
| Pretax return on assets | 1.0061% | 3,326 |
| Return on Equity (ROE) | 7.1019% | 3,508 |
| Retained earnings to average equity (ytd only) | 5.0507% | 2,561 |
| Net charge-offs to loans | 0.0780% | 4,128 |
| Credit loss provision to net charge-offs | 235.1515% | 975 |
| Earnings coverage of net charge-offs (x) | 22.2667% | 1,457 |
| Efficiency ratio | 78.2882% | 2,422 |
| Assets per employee ($millions) | 3.1064% | 5,660 |
| Cash dividends to net income (ytd only)* | 28.8834% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 4,699 |
| Loan loss allowance to noncurrent loans | 233.3610% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 3,670 |
| Noncurrent loans to loans | 0.5111% | 4,717 |
| Net loans and leases to total assets | 66.6669% | 2,583 |
| Net loans and leases to deposits | 92.9391% | 966 |
| Net loans and leases to core deposits | 97.6986% | 1,328 |
| Total domestic deposits to total assets | 71.7317% | 6,440 |
| Equity capital to assets | 9.8730% | 3,934 |
| Core capital (leverage) ratio | 7.8118% | 6,238 |
| Tier 1 risk-based capital ratio | 10.3886% | 6,405 |
| Total risk-based capital ratio | 11.5431% | 6,392 |
| Memoranda: | ||
| Average total assets | $652,093,600 | 1,026 |
| Average earning assets | $578,933,800 | 1,057 |
| Average equity | $68,981,200 | 1,036 |
| Average total loans | $423,254,600 | 1,013 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,743 |
| Cost of funding earning assets | 0.6884% | 2,029 |
| Net interest margin | 3.4158% | 4,224 |
| Noninterest income to average assets | 2.3687% | 320 |
| Noninterest expense to average assets | 4.2881% | 642 |
| Loan and lease loss provision to assets | 0.1347% | 2,594 |
| Net operating income to assets | 0.7127% | 3,798 |
| Return on assets (ROA) | 0.7112% | 3,932 |
| Pretax return on assets | 0.9771% | 3,599 |
| Return on Equity (ROE) | 6.6032% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.4066% | 2,795 |
| Net charge-offs to loans | 0.0289% | 4,551 |
| Credit loss provision to net charge-offs | 726.9663% | 402 |
| Earnings coverage of net charge-offs (x) | 60.1143% | 756 |
| Efficiency ratio | 78.7944% | 2,292 |
| Assets per employee ($millions) | 2.8323% | 6,099 |
| Cash dividends to net income (ytd only)* | 18.1206% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,364 |
| Loan loss allowance to noncurrent loans | 94.3731% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 3,798 |
| Noncurrent loans to loans | 1.3821% | 3,101 |
| Net loans and leases to total assets | 65.2078% | 2,761 |
| Net loans and leases to deposits | 88.4671% | 1,316 |
| Net loans and leases to core deposits | 94.5509% | 1,521 |
| Total domestic deposits to total assets | 73.7085% | 6,390 |
| Equity capital to assets | 10.3364% | 3,463 |
| Core capital (leverage) ratio | 8.1024% | 6,148 |
| Tier 1 risk-based capital ratio | 10.7824% | 6,369 |
| Total risk-based capital ratio | 12.0228% | 6,340 |
| Memoranda: | ||
| Average total assets | $640,384,750 | 1,055 |
| Average earning assets | $568,671,000 | 1,079 |
| Average equity | $68,975,250 | 1,044 |
| Average total loans | $411,173,750 | 1,037 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 4,229 |
| Cost of funding earning assets | 0.7491% | 1,716 |
| Net interest margin | 3.2203% | 4,870 |
| Noninterest income to average assets | 2.2928% | 365 |
| Noninterest expense to average assets | 4.1419% | 743 |
| Loan and lease loss provision to assets | 0.1639% | 2,280 |
| Net operating income to assets | 0.6327% | 4,143 |
| Return on assets (ROA) | 0.6310% | 4,304 |
| Pretax return on assets | 0.8443% | 4,140 |
| Return on Equity (ROE) | 5.7768% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.9835% | 3,757 |
| Net charge-offs to loans | 0.0189% | 4,466 |
| Credit loss provision to net charge-offs | 1,363.1579% | 232 |
| Earnings coverage of net charge-offs (x) | 84.0263% | 538 |
| Efficiency ratio | 79.7678% | 2,192 |
| Assets per employee ($millions) | 2.8610% | 6,081 |
| Cash dividends to net income (ytd only)* | 31.0431% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 3,956 |
| Loan loss allowance to noncurrent loans | 101.4706% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 4,015 |
| Noncurrent loans to loans | 1.3965% | 3,204 |
| Net loans and leases to total assets | 62.8227% | 3,134 |
| Net loans and leases to deposits | 84.0671% | 1,798 |
| Net loans and leases to core deposits | 87.4242% | 2,181 |
| Total domestic deposits to total assets | 74.7292% | 6,380 |
| Equity capital to assets | 10.7496% | 2,999 |
| Core capital (leverage) ratio | 7.9477% | 6,221 |
| Tier 1 risk-based capital ratio | 11.2360% | 6,229 |
| Total risk-based capital ratio | 12.4868% | 6,195 |
| Memoranda: | ||
| Average total assets | $631,983,670 | 1,067 |
| Average earning assets | $561,187,000 | 1,091 |
| Average equity | $69,034,330 | 1,047 |
| Average total loans | $401,648,000 | 1,058 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,968 |
| Cost of funding earning assets | 0.7740% | 1,687 |
| Net interest margin | 2.9839% | 5,614 |
| Noninterest income to average assets | 2.3041% | 355 |
| Noninterest expense to average assets | 4.1261% | 771 |
| Loan and lease loss provision to assets | 0.1632% | 2,232 |
| Net operating income to assets | 0.5142% | 4,593 |
| Return on assets (ROA) | 0.5162% | 4,725 |
| Pretax return on assets | 0.6680% | 4,712 |
| Return on Equity (ROE) | 4.6884% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.6884% | 3,426 |
| Net charge-offs to loans | 0.0467% | 3,378 |
| Credit loss provision to net charge-offs | 551.0638% | 487 |
| Earnings coverage of net charge-offs (x) | 27.9787% | 1,000 |
| Efficiency ratio | 82.6253% | 1,943 |
| Assets per employee ($millions) | 3.0298% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,472 |
| Loan loss allowance to noncurrent loans | 97.2398% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 4,213 |
| Noncurrent loans to loans | 1.3871% | 3,484 |
| Net loans and leases to total assets | 61.6661% | 3,133 |
| Net loans and leases to deposits | 82.4124% | 1,773 |
| Net loans and leases to core deposits | 85.1921% | 2,191 |
| Total domestic deposits to total assets | 74.8263% | 6,471 |
| Equity capital to assets | 10.9434% | 3,024 |
| Core capital (leverage) ratio | 7.8733% | 6,239 |
| Tier 1 risk-based capital ratio | 11.4640% | 6,204 |
| Total risk-based capital ratio | 12.7144% | 6,178 |
| Memoranda: | ||
| Average total assets | $634,694,500 | 1,077 |
| Average earning assets | $563,818,000 | 1,095 |
| Average equity | $69,875,000 | 1,042 |
| Average total loans | $402,831,500 | 1,051 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 3,917 |
| Cost of funding earning assets | 0.8880% | 2,006 |
| Net interest margin | 3.4892% | 4,536 |
| Noninterest income to average assets | 2.3364% | 342 |
| Noninterest expense to average assets | 4.0237% | 953 |
| Loan and lease loss provision to assets | 0.3418% | 1,963 |
| Net operating income to assets | 0.7883% | 3,334 |
| Return on assets (ROA) | 0.8026% | 3,528 |
| Pretax return on assets | 1.0696% | 3,275 |
| Return on Equity (ROE) | 7.0483% | 3,616 |
| Retained earnings to average equity (ytd only) | 4.8494% | 2,810 |
| Net charge-offs to loans | 0.5896% | 1,961 |
| Credit loss provision to net charge-offs | 92.8539% | 3,353 |
| Earnings coverage of net charge-offs (x) | 3.7824% | 3,605 |
| Efficiency ratio | 73.6636% | 3,121 |
| Assets per employee ($millions) | 3.0440% | 5,946 |
| Cash dividends to net income (ytd only)* | 31.1975% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,757 |
| Loan loss allowance to noncurrent loans | 102.1503% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 4,400 |
| Noncurrent loans to loans | 1.2484% | 3,753 |
| Net loans and leases to total assets | 63.6201% | 2,962 |
| Net loans and leases to deposits | 87.1803% | 1,367 |
| Net loans and leases to core deposits | 89.0877% | 1,954 |
| Total domestic deposits to total assets | 72.9752% | 6,625 |
| Equity capital to assets | 11.0760% | 2,864 |
| Core capital (leverage) ratio | 8.0739% | 6,119 |
| Tier 1 risk-based capital ratio | 10.9821% | 6,351 |
| Total risk-based capital ratio | 12.1910% | 6,336 |
| Memoranda: | ||
| Average total assets | $593,043,400 | 1,117 |
| Average earning assets | $523,420,800 | 1,154 |
| Average equity | $67,534,200 | 1,038 |
| Average total loans | $370,263,000 | 1,128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 4,308 |
| Cost of funding earning assets | 0.9107% | 2,102 |
| Net interest margin | 3.4255% | 4,943 |
| Noninterest income to average assets | 2.3805% | 326 |
| Noninterest expense to average assets | 3.9877% | 952 |
| Loan and lease loss provision to assets | 0.3890% | 1,657 |
| Net operating income to assets | 0.7451% | 3,713 |
| Return on assets (ROA) | 0.7640% | 3,880 |
| Pretax return on assets | 1.0536% | 3,522 |
| Return on Equity (ROE) | 6.6595% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.6149% | 3,657 |
| Net charge-offs to loans | 0.0694% | 4,719 |
| Credit loss provision to net charge-offs | 905.8511% | 313 |
| Earnings coverage of net charge-offs (x) | 32.9947% | 1,013 |
| Efficiency ratio | 73.1437% | 3,127 |
| Assets per employee ($millions) | 2.8332% | 6,318 |
| Cash dividends to net income (ytd only)* | 30.7026% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 2,611 |
| Loan loss allowance to noncurrent loans | 97.9128% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 3,830 |
| Noncurrent loans to loans | 1.9007% | 2,961 |
| Net loans and leases to total assets | 62.1846% | 3,347 |
| Net loans and leases to deposits | 82.8694% | 2,009 |
| Net loans and leases to core deposits | 85.1550% | 2,563 |
| Total domestic deposits to total assets | 75.0393% | 6,513 |
| Equity capital to assets | 11.8790% | 2,370 |
| Core capital (leverage) ratio | 8.0836% | 6,248 |
| Tier 1 risk-based capital ratio | 11.9063% | 5,991 |
| Total risk-based capital ratio | 13.1628% | 5,978 |
| Memoranda: | ||
| Average total assets | $583,776,500 | 1,148 |
| Average earning assets | $515,330,500 | 1,191 |
| Average equity | $66,970,000 | 1,053 |
| Average total loans | $361,315,000 | 1,163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 3,950 |
| Cost of funding earning assets | 0.9255% | 2,221 |
| Net interest margin | 3.5323% | 4,546 |
| Noninterest income to average assets | 2.1540% | 363 |
| Noninterest expense to average assets | 3.8727% | 1,113 |
| Loan and lease loss provision to assets | 0.4768% | 1,329 |
| Net operating income to assets | 0.6813% | 3,975 |
| Return on assets (ROA) | 0.6844% | 4,211 |
| Pretax return on assets | 0.9245% | 3,985 |
| Return on Equity (ROE) | 6.0367% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.9384% | 4,680 |
| Net charge-offs to loans | 0.0930% | 4,224 |
| Credit loss provision to net charge-offs | 834.7305% | 384 |
| Earnings coverage of net charge-offs (x) | 24.4611% | 1,217 |
| Efficiency ratio | 72.8323% | 3,272 |
| Assets per employee ($millions) | 2.8540% | 6,311 |
| Cash dividends to net income (ytd only)* | 51.3243% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 2,693 |
| Loan loss allowance to noncurrent loans | 90.7594% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 3,915 |
| Noncurrent loans to loans | 2.0436% | 2,895 |
| Net loans and leases to total assets | 58.7668% | 4,028 |
| Net loans and leases to deposits | 78.9350% | 2,531 |
| Net loans and leases to core deposits | 80.0730% | 3,210 |
| Total domestic deposits to total assets | 74.4497% | 6,642 |
| Equity capital to assets | 11.3692% | 2,720 |
| Core capital (leverage) ratio | 7.9225% | 6,347 |
| Tier 1 risk-based capital ratio | 11.0733% | 6,463 |
| Total risk-based capital ratio | 12.3280% | 6,430 |
| Memoranda: | ||
| Average total assets | $584,763,330 | 1,150 |
| Average earning assets | $515,806,000 | 1,186 |
| Average equity | $66,295,000 | 1,059 |
| Average total loans | $359,077,670 | 1,166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 4,777 |
| Cost of funding earning assets | 0.9269% | 2,464 |
| Net interest margin | 3.3641% | 5,252 |
| Noninterest income to average assets | 2.0600% | 389 |
| Noninterest expense to average assets | 3.8229% | 1,178 |
| Loan and lease loss provision to assets | 0.5219% | 1,153 |
| Net operating income to assets | 0.5714% | 4,486 |
| Return on assets (ROA) | 0.5659% | 4,739 |
| Pretax return on assets | 0.6979% | 4,796 |
| Return on Equity (ROE) | 4.9986% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.9986% | 3,561 |
| Net charge-offs to loans | 0.1261% | 3,354 |
| Credit loss provision to net charge-offs | 665.7895% | 523 |
| Earnings coverage of net charge-offs (x) | 15.6491% | 1,409 |
| Efficiency ratio | 74.9047% | 2,957 |
| Assets per employee ($millions) | 2.9471% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 3,352 |
| Loan loss allowance to noncurrent loans | 88.0041% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 4,064 |
| Noncurrent loans to loans | 1.9319% | 3,244 |
| Net loans and leases to total assets | 59.5441% | 3,767 |
| Net loans and leases to deposits | 78.7154% | 2,382 |
| Net loans and leases to core deposits | 80.4157% | 3,022 |
| Total domestic deposits to total assets | 75.6448% | 6,581 |
| Equity capital to assets | 11.4186% | 2,508 |
| Core capital (leverage) ratio | 8.0079% | 6,251 |
| Tier 1 risk-based capital ratio | 11.4112% | 6,334 |
| Total risk-based capital ratio | 12.6647% | 6,311 |
| Memoranda: | ||
| Average total assets | $581,755,500 | 1,159 |
| Average earning assets | $516,989,000 | 1,184 |
| Average equity | $65,859,000 | 1,066 |
| Average total loans | $361,745,000 | 1,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 2,843 |
| Cost of funding earning assets | 1.0477% | 3,037 |
| Net interest margin | 3.9613% | 3,062 |
| Noninterest income to average assets | 1.6156% | 521 |
| Noninterest expense to average assets | 3.7478% | 1,449 |
| Loan and lease loss provision to assets | 0.7481% | 1,354 |
| Net operating income to assets | 0.4870% | 4,481 |
| Return on assets (ROA) | 0.8153% | 3,138 |
| Pretax return on assets | 1.0564% | 3,013 |
| Return on Equity (ROE) | 7.1940% | 3,311 |
| Retained earnings to average equity (ytd only) | 3.6822% | 3,592 |
| Net charge-offs to loans | 1.1062% | 1,557 |
| Credit loss provision to net charge-offs | 104.0000% | 3,313 |
| Earnings coverage of net charge-offs (x) | 1.9158% | 4,337 |
| Efficiency ratio | 72.2220% | 3,524 |
| Assets per employee ($millions) | 2.9591% | 6,177 |
| Cash dividends to net income (ytd only)* | 48.8163% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 4,309 |
| Loan loss allowance to noncurrent loans | 76.8809% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 4,239 |
| Noncurrent loans to loans | 1.8660% | 3,392 |
| Net loans and leases to total assets | 62.8678% | 3,435 |
| Net loans and leases to deposits | 85.0814% | 1,793 |
| Net loans and leases to core deposits | 87.3246% | 2,460 |
| Total domestic deposits to total assets | 73.8913% | 6,727 |
| Equity capital to assets | 11.2232% | 2,767 |
| Core capital (leverage) ratio | 7.8919% | 6,367 |
| Tier 1 risk-based capital ratio | 11.1004% | 6,403 |
| Total risk-based capital ratio | 12.3519% | 6,383 |
| Memoranda: | ||
| Average total assets | $559,527,800 | 1,178 |
| Average earning assets | $495,825,600 | 1,221 |
| Average equity | $63,413,800 | 1,065 |
| Average total loans | $363,850,200 | 1,162 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 2,555 |
| Cost of funding earning assets | 1.0777% | 3,127 |
| Net interest margin | 4.0327% | 2,765 |
| Noninterest income to average assets | 1.4429% | 635 |
| Noninterest expense to average assets | 3.6901% | 1,517 |
| Loan and lease loss provision to assets | 0.7650% | 1,233 |
| Net operating income to assets | 0.4242% | 4,886 |
| Return on assets (ROA) | 0.6955% | 3,819 |
| Pretax return on assets | 0.9184% | 3,692 |
| Return on Equity (ROE) | 6.1206% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.8360% | 3,996 |
| Net charge-offs to loans | 1.1127% | 1,425 |
| Credit loss provision to net charge-offs | 105.1987% | 3,162 |
| Earnings coverage of net charge-offs (x) | 1.8242% | 4,297 |
| Efficiency ratio | 72.6348% | 3,433 |
| Assets per employee ($millions) | 2.9108% | 6,292 |
| Cash dividends to net income (ytd only)* | 37.3269% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 4,357 |
| Loan loss allowance to noncurrent loans | 58.2068% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 3,646 |
| Noncurrent loans to loans | 2.4789% | 2,797 |
| Net loans and leases to total assets | 64.4720% | 3,211 |
| Net loans and leases to deposits | 88.2374% | 1,411 |
| Net loans and leases to core deposits | 90.6077% | 2,175 |
| Total domestic deposits to total assets | 73.0666% | 6,851 |
| Equity capital to assets | 11.6009% | 2,586 |
| Core capital (leverage) ratio | 8.0796% | 6,309 |
| Tier 1 risk-based capital ratio | 11.2459% | 6,402 |
| Total risk-based capital ratio | 12.4977% | 6,380 |
| Memoranda: | ||
| Average total assets | $553,676,500 | 1,200 |
| Average earning assets | $490,673,500 | 1,243 |
| Average equity | $62,911,250 | 1,077 |
| Average total loans | $361,860,000 | 1,184 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 2,225 |
| Cost of funding earning assets | 1.1082% | 3,175 |
| Net interest margin | 4.1024% | 2,400 |
| Noninterest income to average assets | 1.2862% | 762 |
| Noninterest expense to average assets | 3.6745% | 1,575 |
| Loan and lease loss provision to assets | 0.5615% | 1,720 |
| Net operating income to assets | 0.5732% | 4,195 |
| Return on assets (ROA) | 0.5651% | 4,363 |
| Pretax return on assets | 0.6818% | 4,457 |
| Return on Equity (ROE) | 5.0093% | 4,445 |
| Retained earnings to average equity (ytd only) | 1.5344% | 5,213 |
| Net charge-offs to loans | 0.6239% | 2,276 |
| Credit loss provision to net charge-offs | 137.7342% | 2,217 |
| Earnings coverage of net charge-offs (x) | 3.0740% | 3,316 |
| Efficiency ratio | 73.6034% | 3,441 |
| Assets per employee ($millions) | 2.7679% | 6,520 |
| Cash dividends to net income (ytd only)* | 69.3694% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,817 |
| Loan loss allowance to noncurrent loans | 76.9845% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 4,176 |
| Noncurrent loans to loans | 2.0415% | 3,426 |
| Net loans and leases to total assets | 63.9501% | 3,471 |
| Net loans and leases to deposits | 86.1767% | 1,769 |
| Net loans and leases to core deposits | 88.2101% | 2,616 |
| Total domestic deposits to total assets | 74.2082% | 6,815 |
| Equity capital to assets | 11.6105% | 2,403 |
| Core capital (leverage) ratio | 7.8434% | 6,466 |
| Tier 1 risk-based capital ratio | 10.9737% | 6,549 |
| Total risk-based capital ratio | 12.2263% | 6,525 |
| Memoranda: | ||
| Average total assets | $550,003,330 | 1,218 |
| Average earning assets | $488,201,000 | 1,256 |
| Average equity | $62,045,000 | 1,089 |
| Average total loans | $359,346,330 | 1,208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 2,288 |
| Cost of funding earning assets | 1.1260% | 3,322 |
| Net interest margin | 4.0570% | 2,447 |
| Noninterest income to average assets | 1.1565% | 974 |
| Noninterest expense to average assets | 3.4883% | 2,034 |
| Loan and lease loss provision to assets | 0.2788% | 2,924 |
| Net operating income to assets | 0.7656% | 3,193 |
| Return on assets (ROA) | 0.7499% | 3,338 |
| Pretax return on assets | 0.9735% | 3,238 |
| Return on Equity (ROE) | 6.7458% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.7458% | 2,262 |
| Net charge-offs to loans | -0.0089% | 6,339 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1714% | 3,825 |
| Assets per employee ($millions) | 2.8026% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,904 |
| Loan loss allowance to noncurrent loans | 82.2252% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 4,401 |
| Noncurrent loans to loans | 1.9006% | 3,700 |
| Net loans and leases to total assets | 63.8158% | 3,467 |
| Net loans and leases to deposits | 85.5911% | 1,792 |
| Net loans and leases to core deposits | 86.6719% | 2,777 |
| Total domestic deposits to total assets | 74.5589% | 6,849 |
| Equity capital to assets | 11.2925% | 2,421 |
| Core capital (leverage) ratio | 7.9086% | 6,356 |
| Tier 1 risk-based capital ratio | 10.9092% | 6,563 |
| Total risk-based capital ratio | 12.1613% | 6,543 |
| Memoranda: | ||
| Average total assets | $550,986,000 | 1,225 |
| Average earning assets | $489,525,000 | 1,256 |
| Average equity | $61,252,500 | 1,093 |
| Average total loans | $360,986,000 | 1,215 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 2,760 |
| Cost of funding earning assets | 1.3443% | 3,618 |
| Net interest margin | 4.0380% | 2,850 |
| Noninterest income to average assets | 1.2566% | 939 |
| Noninterest expense to average assets | 3.2572% | 2,885 |
| Loan and lease loss provision to assets | 0.4115% | 3,637 |
| Net operating income to assets | 0.8548% | 2,569 |
| Return on assets (ROA) | 0.9887% | 2,185 |
| Pretax return on assets | 1.3619% | 1,765 |
| Return on Equity (ROE) | 8.9321% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.0090% | 2,404 |
| Net charge-offs to loans | 0.2312% | 4,895 |
| Credit loss provision to net charge-offs | 271.2560% | 1,015 |
| Earnings coverage of net charge-offs (x) | 10.4807% | 1,698 |
| Efficiency ratio | 66.1047% | 4,949 |
| Assets per employee ($millions) | 3.1946% | 5,683 |
| Cash dividends to net income (ytd only)* | 43.9214% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,450 |
| Loan loss allowance to noncurrent loans | 72.6749% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3706% | 4,292 |
| Noncurrent loans to loans | 1.9455% | 3,639 |
| Net loans and leases to total assets | 65.2636% | 3,607 |
| Net loans and leases to deposits | 88.7023% | 1,693 |
| Net loans and leases to core deposits | 90.6291% | 2,675 |
| Total domestic deposits to total assets | 73.5760% | 6,938 |
| Equity capital to assets | 10.9423% | 2,738 |
| Core capital (leverage) ratio | 7.7517% | 6,495 |
| Tier 1 risk-based capital ratio | 10.5949% | 6,640 |
| Total risk-based capital ratio | 11.8459% | 6,609 |
| Memoranda: | ||
| Average total assets | $545,780,000 | 1,228 |
| Average earning assets | $485,320,000 | 1,271 |
| Average equity | $60,411,200 | 1,104 |
| Average total loans | $358,184,800 | 1,253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 2,708 |
| Cost of funding earning assets | 1.3883% | 3,645 |
| Net interest margin | 4.0491% | 2,860 |
| Noninterest income to average assets | 1.1449% | 1,071 |
| Noninterest expense to average assets | 3.2030% | 2,919 |
| Loan and lease loss provision to assets | 0.4257% | 3,358 |
| Net operating income to assets | 0.8064% | 2,973 |
| Return on assets (ROA) | 0.9788% | 2,425 |
| Pretax return on assets | 1.3582% | 2,011 |
| Return on Equity (ROE) | 8.8172% | 2,556 |
| Retained earnings to average equity (ytd only) | 6.9054% | 1,898 |
| Net charge-offs to loans | 0.2754% | 4,294 |
| Credit loss provision to net charge-offs | 236.0054% | 1,430 |
| Earnings coverage of net charge-offs (x) | 8.5625% | 2,142 |
| Efficiency ratio | 67.4685% | 4,568 |
| Assets per employee ($millions) | 3.3300% | 5,383 |
| Cash dividends to net income (ytd only)* | 21.6826% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,813 |
| Loan loss allowance to noncurrent loans | 389.5168% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 6,567 |
| Noncurrent loans to loans | 0.3407% | 6,514 |
| Net loans and leases to total assets | 65.9675% | 3,696 |
| Net loans and leases to deposits | 88.8975% | 1,873 |
| Net loans and leases to core deposits | 91.8544% | 2,826 |
| Total domestic deposits to total assets | 74.2063% | 6,900 |
| Equity capital to assets | 11.7692% | 2,310 |
| Core capital (leverage) ratio | 7.9956% | 6,348 |
| Tier 1 risk-based capital ratio | 10.8810% | 6,483 |
| Total risk-based capital ratio | 12.1174% | 6,470 |
| Memoranda: | ||
| Average total assets | $544,057,250 | 1,249 |
| Average earning assets | $484,045,250 | 1,287 |
| Average equity | $60,395,250 | 1,105 |
| Average total loans | $356,264,500 | 1,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 2,907 |
| Cost of funding earning assets | 1.4259% | 3,709 |
| Net interest margin | 3.9892% | 3,071 |
| Noninterest income to average assets | 1.1074% | 1,077 |
| Noninterest expense to average assets | 3.1407% | 3,138 |
| Loan and lease loss provision to assets | 0.4584% | 3,027 |
| Net operating income to assets | 0.7885% | 3,020 |
| Return on assets (ROA) | 0.9643% | 2,402 |
| Pretax return on assets | 1.2943% | 2,103 |
| Return on Equity (ROE) | 8.8613% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.9501% | 2,355 |
| Net charge-offs to loans | 0.3758% | 3,482 |
| Credit loss provision to net charge-offs | 187.5749% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6.2126% | 2,506 |
| Efficiency ratio | 67.4126% | 4,690 |
| Assets per employee ($millions) | 3.3496% | 5,311 |
| Cash dividends to net income (ytd only)* | 32.8528% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 5,325 |
| Loan loss allowance to noncurrent loans | 1,862.6609% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 7,011 |
| Noncurrent loans to loans | 0.0658% | 7,150 |
| Net loans and leases to total assets | 64.4759% | 4,165 |
| Net loans and leases to deposits | 87.0167% | 2,334 |
| Net loans and leases to core deposits | 91.8955% | 3,009 |
| Total domestic deposits to total assets | 74.0960% | 6,961 |
| Equity capital to assets | 11.2571% | 2,631 |
| Core capital (leverage) ratio | 7.5428% | 6,793 |
| Tier 1 risk-based capital ratio | 10.5516% | 6,649 |
| Total risk-based capital ratio | 11.6844% | 6,719 |
| Memoranda: | ||
| Average total assets | $546,701,000 | 1,246 |
| Average earning assets | $486,708,330 | 1,279 |
| Average equity | $59,494,330 | 1,112 |
| Average total loans | $355,544,330 | 1,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 3,670 |
| Cost of funding earning assets | 1.4462% | 3,901 |
| Net interest margin | 3.8282% | 3,673 |
| Noninterest income to average assets | 1.0198% | 1,235 |
| Noninterest expense to average assets | 3.1571% | 3,022 |
| Loan and lease loss provision to assets | 0.2799% | 3,791 |
| Net operating income to assets | 0.7599% | 3,160 |
| Return on assets (ROA) | 0.7610% | 3,259 |
| Pretax return on assets | 0.9957% | 3,109 |
| Return on Equity (ROE) | 7.1143% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.1143% | 2,085 |
| Net charge-offs to loans | 0.0460% | 4,952 |
| Credit loss provision to net charge-offs | 936.5854% | 495 |
| Earnings coverage of net charge-offs (x) | 42.6341% | 651 |
| Efficiency ratio | 71.2453% | 4,076 |
| Assets per employee ($millions) | 3.3902% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,728 |
| Loan loss allowance to noncurrent loans | 713.9373% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,950 |
| Noncurrent loans to loans | 0.1621% | 7,012 |
| Net loans and leases to total assets | 63.3185% | 4,465 |
| Net loans and leases to deposits | 84.0343% | 2,935 |
| Net loans and leases to core deposits | 89.9941% | 3,361 |
| Total domestic deposits to total assets | 75.3484% | 6,860 |
| Equity capital to assets | 10.7832% | 2,967 |
| Core capital (leverage) ratio | 7.5143% | 6,838 |
| Tier 1 risk-based capital ratio | 10.3390% | 6,770 |
| Total risk-based capital ratio | 11.4080% | 6,915 |
| Memoranda: | ||
| Average total assets | $548,734,000 | 1,272 |
| Average earning assets | $488,998,500 | 1,305 |
| Average equity | $58,699,000 | 1,133 |
| Average total loans | $356,212,000 | 1,327 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7314% | 2,949 |
| Cost of funding earning assets | 1.8596% | 3,679 |
| Net interest margin | 3.8717% | 3,390 |
| Noninterest income to average assets | 1.1666% | 1,131 |
| Noninterest expense to average assets | 3.2565% | 3,171 |
| Loan and lease loss provision to assets | 0.3528% | 4,685 |
| Net operating income to assets | 0.7786% | 2,607 |
| Return on assets (ROA) | 0.7369% | 2,869 |
| Pretax return on assets | 0.9532% | 2,748 |
| Return on Equity (ROE) | 6.9761% | 2,796 |
| Retained earnings to average equity (ytd only) | 3.0244% | 3,050 |
| Net charge-offs to loans | 0.3166% | 4,660 |
| Credit loss provision to net charge-offs | 165.6584% | 2,629 |
| Earnings coverage of net charge-offs (x) | 6.3870% | 2,376 |
| Efficiency ratio | 70.5368% | 4,518 |
| Assets per employee ($millions) | 3.2241% | 5,669 |
| Cash dividends to net income (ytd only)* | 56.6470% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,140 |
| Loan loss allowance to noncurrent loans | 514.3836% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 6,882 |
| Noncurrent loans to loans | 0.2037% | 6,915 |
| Net loans and leases to total assets | 65.0933% | 4,356 |
| Net loans and leases to deposits | 86.5441% | 2,812 |
| Net loans and leases to core deposits | 96.5898% | 4,389 |
| Total domestic deposits to total assets | 75.2141% | 6,828 |
| Equity capital to assets | 10.6099% | 3,057 |
| Core capital (leverage) ratio | 7.3816% | 6,910 |
| Tier 1 risk-based capital ratio | 10.0706% | 6,811 |
| Total risk-based capital ratio | 11.0486% | 7,004 |
| Memoranda: | ||
| Average total assets | $527,777,800 | 1,303 |
| Average earning assets | $470,306,800 | 1,339 |
| Average equity | $55,747,400 | 1,179 |
| Average total loans | $354,980,600 | 1,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 2,435 |
| Cost of funding earning assets | 1.9337% | 3,696 |
| Net interest margin | 3.9700% | 2,942 |
| Noninterest income to average assets | 1.0755% | 1,371 |
| Noninterest expense to average assets | 3.2865% | 2,968 |
| Loan and lease loss provision to assets | 0.2937% | 4,624 |
| Net operating income to assets | 0.7681% | 2,947 |
| Return on assets (ROA) | 0.7544% | 3,068 |
| Pretax return on assets | 1.0182% | 2,847 |
| Return on Equity (ROE) | 7.1503% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.3090% | 2,861 |
| Net charge-offs to loans | 0.4085% | 3,626 |
| Credit loss provision to net charge-offs | 106.2673% | 4,790 |
| Earnings coverage of net charge-offs (x) | 4.8147% | 3,003 |
| Efficiency ratio | 71.1827% | 4,391 |
| Assets per employee ($millions) | 3.1931% | 5,664 |
| Cash dividends to net income (ytd only)* | 39.7366% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 6,819 |
| Loan loss allowance to noncurrent loans | 336.0566% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 6,781 |
| Noncurrent loans to loans | 0.2637% | 6,846 |
| Net loans and leases to total assets | 64.7078% | 4,710 |
| Net loans and leases to deposits | 85.9793% | 3,320 |
| Net loans and leases to core deposits | 97.5872% | 4,652 |
| Total domestic deposits to total assets | 75.2597% | 6,728 |
| Equity capital to assets | 10.9542% | 3,057 |
| Core capital (leverage) ratio | 7.5331% | 6,936 |
| Tier 1 risk-based capital ratio | 10.3281% | 6,650 |
| Total risk-based capital ratio | 11.1500% | 7,019 |
| Memoranda: | ||
| Average total assets | $523,504,750 | 1,330 |
| Average earning assets | $466,993,750 | 1,363 |
| Average equity | $55,231,750 | 1,206 |
| Average total loans | $354,118,500 | 1,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 2,520 |
| Cost of funding earning assets | 2.0188% | 3,686 |
| Net interest margin | 3.8954% | 3,137 |
| Noninterest income to average assets | 1.0287% | 1,502 |
| Noninterest expense to average assets | 3.3272% | 2,862 |
| Loan and lease loss provision to assets | 0.2918% | 4,235 |
| Net operating income to assets | 0.6812% | 3,337 |
| Return on assets (ROA) | 0.6593% | 3,541 |
| Pretax return on assets | 0.8550% | 3,489 |
| Return on Equity (ROE) | 6.3317% | 3,509 |
| Retained earnings to average equity (ytd only) | 1.9863% | 4,236 |
| Net charge-offs to loans | 0.4296% | 3,084 |
| Credit loss provision to net charge-offs | 99.2157% | 4,640 |
| Earnings coverage of net charge-offs (x) | 3.9961% | 3,246 |
| Efficiency ratio | 73.8986% | 4,047 |
| Assets per employee ($millions) | 3.1803% | 5,629 |
| Cash dividends to net income (ytd only)* | 68.6297% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 6,956 |
| Loan loss allowance to noncurrent loans | 302.0060% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 6,764 |
| Noncurrent loans to loans | 0.2834% | 6,810 |
| Net loans and leases to total assets | 65.2777% | 4,710 |
| Net loans and leases to deposits | 87.4877% | 3,267 |
| Net loans and leases to core deposits | 100.0617% | 4,504 |
| Total domestic deposits to total assets | 74.6135% | 6,845 |
| Equity capital to assets | 10.4014% | 3,513 |
| Core capital (leverage) ratio | 7.2554% | 7,300 |
| Tier 1 risk-based capital ratio | 9.9526% | 6,983 |
| Total risk-based capital ratio | 10.7513% | 7,344 |
| Memoranda: | ||
| Average total assets | $520,259,670 | 1,364 |
| Average earning assets | $463,928,330 | 1,394 |
| Average equity | $54,171,670 | 1,238 |
| Average total loans | $356,113,670 | 1,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 2,922 |
| Cost of funding earning assets | 2.0986% | 3,656 |
| Net interest margin | 3.7744% | 3,568 |
| Noninterest income to average assets | 1.0210% | 1,425 |
| Noninterest expense to average assets | 3.3021% | 2,648 |
| Loan and lease loss provision to assets | 0.3811% | 3,036 |
| Net operating income to assets | 0.5697% | 4,146 |
| Return on assets (ROA) | 0.5728% | 4,326 |
| Pretax return on assets | 0.7084% | 4,406 |
| Return on Equity (ROE) | 5.4983% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,861 |
| Net charge-offs to loans | 0.4767% | 2,257 |
| Credit loss provision to net charge-offs | 114.5199% | 3,397 |
| Earnings coverage of net charge-offs (x) | 3.2623% | 3,224 |
| Efficiency ratio | 75.2575% | 3,610 |
| Assets per employee ($millions) | 3.2608% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 6,872 |
| Loan loss allowance to noncurrent loans | 209.7411% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 6,459 |
| Noncurrent loans to loans | 0.4151% | 6,383 |
| Net loans and leases to total assets | 65.9510% | 4,598 |
| Net loans and leases to deposits | 84.8360% | 3,848 |
| Net loans and leases to core deposits | 100.0385% | 4,532 |
| Total domestic deposits to total assets | 77.7393% | 6,097 |
| Equity capital to assets | 10.3060% | 3,651 |
| Core capital (leverage) ratio | 7.1176% | 7,540 |
| Tier 1 risk-based capital ratio | 9.5080% | 7,421 |
| Total risk-based capital ratio | 10.3269% | 7,764 |
| Memoranda: | ||
| Average total assets | $513,247,000 | 1,383 |
| Average earning assets | $457,824,000 | 1,417 |
| Average equity | $53,471,000 | 1,263 |
| Average total loans | $358,280,500 | 1,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3014% | 3,957 |
| Cost of funding earning assets | 2.4639% | 4,401 |
| Net interest margin | 3.8375% | 3,851 |
| Noninterest income to average assets | 1.2812% | 897 |
| Noninterest expense to average assets | 3.3271% | 2,872 |
| Loan and lease loss provision to assets | 0.2100% | 4,791 |
| Net operating income to assets | 0.8293% | 3,312 |
| Return on assets (ROA) | 0.8275% | 3,160 |
| Pretax return on assets | 1.1438% | 2,859 |
| Return on Equity (ROE) | 8.0817% | 3,037 |
| Retained earnings to average equity (ytd only) | 2.8575% | 3,400 |
| Net charge-offs to loans | 0.2667% | 3,622 |
| Credit loss provision to net charge-offs | 110.2207% | 4,892 |
| Earnings coverage of net charge-offs (x) | 7.1173% | 3,186 |
| Efficiency ratio | 71.0411% | 4,127 |
| Assets per employee ($millions) | 3.1131% | 5,741 |
| Cash dividends to net income (ytd only)* | 64.6430% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 6,972 |
| Loan loss allowance to noncurrent loans | 327.2234% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,512 |
| Noncurrent loans to loans | 0.2540% | 6,620 |
| Net loans and leases to total assets | 72.7152% | 3,432 |
| Net loans and leases to deposits | 93.3610% | 2,884 |
| Net loans and leases to core deposits | 107.5680% | 4,016 |
| Total domestic deposits to total assets | 77.8861% | 5,753 |
| Equity capital to assets | 10.5387% | 3,451 |
| Core capital (leverage) ratio | 7.8871% | 6,672 |
| Tier 1 risk-based capital ratio | 9.3159% | 7,504 |
| Total risk-based capital ratio | 10.1376% | 7,886 |
| Memoranda: | ||
| Average total assets | $451,828,800 | 1,518 |
| Average earning assets | $400,577,600 | 1,560 |
| Average equity | $46,264,800 | 1,470 |
| Average total loans | $322,865,600 | 1,502 |