Home > Metro City Bank > Performance and Condition Ratios
Metro City 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 | 5.9353% | 689 |
| Cost of funding earning assets | 2.8123% | 207 |
| Net interest margin | 3.1230% | 3,042 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.3675% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4994% | 1,021 |
| Return on assets (ROA) | 1.5002% | 990 |
| Pretax return on assets | 2.0888% | 583 |
| Return on Equity (ROE) | 14.1400% | 1,456 |
| Retained earnings to average equity (ytd only) | 9.1765% | 1,218 |
| Net charge-offs to loans | 0.0242% | 1,830 |
| Credit loss provision to net charge-offs | -12.4493% | 4,424 |
| Earnings coverage of net charge-offs (x) | 97.6969% | 917 |
| Efficiency ratio | 39.5823% | 4,370 |
| Assets per employee ($millions) | 15.8314% | 180 |
| Cash dividends to net income (ytd only)* | 35.1211% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 4,278 |
| Loan loss allowance to noncurrent loans | 123.3619% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 1,205 |
| Noncurrent loans to loans | 0.4635% | 1,621 |
| Net loans and leases to total assets | 90.4200% | 33 |
| Net loans and leases to deposits | 114.3431% | 132 |
| Net loans and leases to core deposits | 208.5854% | 72 |
| Total domestic deposits to total assets | 79.0800% | 3,602 |
| Equity capital to assets | 10.8959% | 1,525 |
| Core capital (leverage) ratio | 10.1477% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5074% | 994 |
| Memoranda: | ||
| Average total assets | $3,458,854,200 | 355 |
| Average earning assets | $3,248,769,800 | 344 |
| Average equity | $366,862,600 | 335 |
| Average total loans | $3,060,032,400 | 296 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 647 |
| Cost of funding earning assets | 2.7468% | 177 |
| Net interest margin | 3.0978% | 3,144 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 1.2908% | 4,453 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.5689% | 985 |
| Return on assets (ROA) | 1.5632% | 994 |
| Pretax return on assets | 2.1643% | 583 |
| Return on Equity (ROE) | 14.8400% | 1,479 |
| Retained earnings to average equity (ytd only) | 8.7384% | 1,757 |
| Net charge-offs to loans | 0.0189% | 1,751 |
| Credit loss provision to net charge-offs | -198.3721% | 4,547 |
| Earnings coverage of net charge-offs (x) | 128.9302% | 806 |
| Efficiency ratio | 37.6146% | 4,413 |
| Assets per employee ($millions) | 16.0691% | 164 |
| Cash dividends to net income (ytd only)* | 41.1156% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 4,291 |
| Loan loss allowance to noncurrent loans | 116.7449% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 1,281 |
| Noncurrent loans to loans | 0.4987% | 1,568 |
| Net loans and leases to total assets | 86.4800% | 138 |
| Net loans and leases to deposits | 109.6867% | 207 |
| Net loans and leases to core deposits | 195.1126% | 45 |
| Total domestic deposits to total assets | 78.8500% | 3,721 |
| Equity capital to assets | 10.9525% | 1,362 |
| Core capital (leverage) ratio | 9.9934% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7724% | 980 |
| Memoranda: | ||
| Average total assets | $3,452,841,250 | 361 |
| Average earning assets | $3,242,858,750 | 348 |
| Average equity | $363,704,750 | 341 |
| Average total loans | $3,033,160,500 | 301 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7761% | 571 |
| Cost of funding earning assets | 2.6114% | 153 |
| Net interest margin | 3.1647% | 3,070 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 1.2882% | 4,475 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.6821% | 816 |
| Return on assets (ROA) | 1.6848% | 814 |
| Pretax return on assets | 2.3441% | 437 |
| Return on Equity (ROE) | 16.2100% | 1,228 |
| Retained earnings to average equity (ytd only) | 11.1499% | 1,158 |
| Net charge-offs to loans | 0.0287% | 1,313 |
| Credit loss provision to net charge-offs | -96.0920% | 4,539 |
| Earnings coverage of net charge-offs (x) | 91.6368% | 985 |
| Efficiency ratio | 35.7365% | 4,480 |
| Assets per employee ($millions) | 16.0896% | 159 |
| Cash dividends to net income (ytd only)* | 31.2246% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5981% | 4,303 |
| Loan loss allowance to noncurrent loans | 138.7589% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 1,314 |
| Noncurrent loans to loans | 0.4311% | 1,642 |
| Net loans and leases to total assets | 86.9100% | 122 |
| Net loans and leases to deposits | 110.0025% | 204 |
| Net loans and leases to core deposits | 157.7693% | 109 |
| Total domestic deposits to total assets | 79.0000% | 3,718 |
| Equity capital to assets | 10.7696% | 1,475 |
| Core capital (leverage) ratio | 10.0147% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5612% | 1,023 |
| Memoranda: | ||
| Average total assets | $3,441,456,667 | 350 |
| Average earning assets | $3,235,611,667 | 336 |
| Average equity | $357,635,333 | 334 |
| Average total loans | $3,033,093,667 | 290 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 465 |
| Cost of funding earning assets | 2.4449% | 110 |
| Net interest margin | 3.2497% | 2,994 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.2552% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8283% | 641 |
| Return on assets (ROA) | 1.8401% | 616 |
| Pretax return on assets | 2.5207% | 346 |
| Return on Equity (ROE) | 18.0400% | 1,024 |
| Retained earnings to average equity (ytd only) | 12.8312% | 1,120 |
| Net charge-offs to loans | -0.0005% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 33.3746% | 4,581 |
| Assets per employee ($millions) | 15.7835% | 173 |
| Cash dividends to net income (ytd only)* | 28.8645% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 4,330 |
| Loan loss allowance to noncurrent loans | 209.0357% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 1,723 |
| Noncurrent loans to loans | 0.3006% | 2,070 |
| Net loans and leases to total assets | 87.5000% | 86 |
| Net loans and leases to deposits | 112.0745% | 151 |
| Net loans and leases to core deposits | 155.7218% | 108 |
| Total domestic deposits to total assets | 78.0700% | 4,003 |
| Equity capital to assets | 10.2848% | 1,678 |
| Core capital (leverage) ratio | 9.6963% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4732% | 1,074 |
| Memoranda: | ||
| Average total assets | $3,432,558,000 | 363 |
| Average earning assets | $3,228,572,000 | 347 |
| Average equity | $350,178,500 | 350 |
| Average total loans | $3,037,445,000 | 300 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 421 |
| Cost of funding earning assets | 0.9042% | 251 |
| Net interest margin | 3.9103% | 933 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 1.5129% | 4,411 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 2.0579% | 267 |
| Return on assets (ROA) | 2.0314% | 271 |
| Pretax return on assets | 2.8181% | 150 |
| Return on Equity (ROE) | 20.7200% | 409 |
| Retained earnings to average equity (ytd only) | 15.8945% | 235 |
| Net charge-offs to loans | 0.0107% | 1,974 |
| Credit loss provision to net charge-offs | -931.6498% | 4,663 |
| Earnings coverage of net charge-offs (x) | 302.2862% | 484 |
| Efficiency ratio | 35.3550% | 4,611 |
| Assets per employee ($millions) | 15.9434% | 167 |
| Cash dividends to net income (ytd only)* | 23.2781% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4540% | 4,473 |
| Loan loss allowance to noncurrent loans | 135.5588% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 1,214 |
| Noncurrent loans to loans | 0.3349% | 1,952 |
| Net loans and leases to total assets | 88.4300% | 61 |
| Net loans and leases to deposits | 113.0995% | 122 |
| Net loans and leases to core deposits | 158.3122% | 76 |
| Total domestic deposits to total assets | 78.1900% | 4,072 |
| Equity capital to assets | 10.1950% | 1,615 |
| Core capital (leverage) ratio | 9.6265% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7298% | 1,180 |
| Memoranda: | ||
| Average total assets | $3,245,427,200 | 366 |
| Average earning assets | $3,057,782,200 | 353 |
| Average equity | $318,235,400 | 373 |
| Average total loans | $2,776,046,000 | 296 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 450 |
| Cost of funding earning assets | 0.5593% | 551 |
| Net interest margin | 4.0085% | 632 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 1.5398% | 4,375 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 2.2298% | 207 |
| Return on assets (ROA) | 2.1990% | 209 |
| Pretax return on assets | 2.9987% | 137 |
| Return on Equity (ROE) | 22.6700% | 264 |
| Retained earnings to average equity (ytd only) | 17.7119% | 174 |
| Net charge-offs to loans | 0.0183% | 1,477 |
| Credit loss provision to net charge-offs | -430.9973% | 4,691 |
| Earnings coverage of net charge-offs (x) | 191.9434% | 636 |
| Efficiency ratio | 34.1365% | 4,665 |
| Assets per employee ($millions) | 15.7841% | 173 |
| Cash dividends to net income (ytd only)* | 21.8639% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5024% | 4,472 |
| Loan loss allowance to noncurrent loans | 84.6441% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 802 |
| Noncurrent loans to loans | 0.5935% | 1,359 |
| Net loans and leases to total assets | 88.2600% | 55 |
| Net loans and leases to deposits | 113.4811% | 89 |
| Net loans and leases to core deposits | 155.2232% | 54 |
| Total domestic deposits to total assets | 77.7700% | 4,273 |
| Equity capital to assets | 10.2127% | 1,516 |
| Core capital (leverage) ratio | 9.7252% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6541% | 1,248 |
| Memoranda: | ||
| Average total assets | $3,195,842,750 | 371 |
| Average earning assets | $3,014,468,500 | 358 |
| Average equity | $310,021,000 | 384 |
| Average total loans | $2,705,258,750 | 297 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 453 |
| Cost of funding earning assets | 0.2778% | 1,928 |
| Net interest margin | 4.1017% | 397 |
| Noninterest income to average assets | 0.7874% | 1,078 |
| Noninterest expense to average assets | 1.5656% | 4,338 |
| Loan and lease loss provision to assets | 0.0066% | 2,479 |
| Net operating income to assets | 2.3083% | 138 |
| Return on assets (ROA) | 2.2778% | 140 |
| Pretax return on assets | 3.0520% | 90 |
| Return on Equity (ROE) | 23.9309% | 141 |
| Retained earnings to average equity (ytd only) | 18.7922% | 100 |
| Net charge-offs to loans | 0.0290% | 1,148 |
| Credit loss provision to net charge-offs | 27.4406% | 1,576 |
| Earnings coverage of net charge-offs (x) | 128.3245% | 711 |
| Efficiency ratio | 33.5760% | 4,693 |
| Assets per employee ($millions) | 14.7824% | 206 |
| Cash dividends to net income (ytd only)* | 21.4729% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 4,461 |
| Loan loss allowance to noncurrent loans | 83.5270% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 709 |
| Noncurrent loans to loans | 0.7197% | 1,203 |
| Net loans and leases to total assets | 87.1651% | 63 |
| Net loans and leases to deposits | 112.9248% | 75 |
| Net loans and leases to core deposits | 143.3705% | 69 |
| Total domestic deposits to total assets | 77.1887% | 4,404 |
| Equity capital to assets | 9.9808% | 1,729 |
| Core capital (leverage) ratio | 10.0631% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2074% | 1,146 |
| Memoranda: | ||
| Average total assets | $3,140,452,000 | 371 |
| Average earning assets | $2,967,302,000 | 361 |
| Average equity | $298,910,667 | 389 |
| Average total loans | $2,612,938,000 | 300 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 479 |
| Cost of funding earning assets | 0.1765% | 3,136 |
| Net interest margin | 4.0803% | 352 |
| Noninterest income to average assets | 1.0340% | 639 |
| Noninterest expense to average assets | 1.5052% | 4,416 |
| Loan and lease loss provision to assets | 0.0133% | 2,107 |
| Net operating income to assets | 2.5282% | 118 |
| Return on assets (ROA) | 2.4917% | 119 |
| Pretax return on assets | 3.3350% | 84 |
| Return on Equity (ROE) | 26.8381% | 78 |
| Retained earnings to average equity (ytd only) | 21.5506% | 79 |
| Net charge-offs to loans | 0.0603% | 708 |
| Credit loss provision to net charge-offs | 27.2251% | 1,268 |
| Earnings coverage of net charge-offs (x) | 69.5131% | 798 |
| Efficiency ratio | 30.7191% | 4,735 |
| Assets per employee ($millions) | 14.4982% | 227 |
| Cash dividends to net income (ytd only)* | 19.7014% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 4,458 |
| Loan loss allowance to noncurrent loans | 175.4050% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 1,458 |
| Noncurrent loans to loans | 0.3721% | 2,153 |
| Net loans and leases to total assets | 80.6778% | 215 |
| Net loans and leases to deposits | 104.5760% | 109 |
| Net loans and leases to core deposits | 130.6179% | 88 |
| Total domestic deposits to total assets | 77.1475% | 4,452 |
| Equity capital to assets | 9.5554% | 2,238 |
| Core capital (leverage) ratio | 9.1481% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6485% | 1,115 |
| Memoranda: | ||
| Average total assets | $3,128,960,500 | 377 |
| Average earning assets | $2,964,523,000 | 366 |
| Average equity | $290,497,500 | 407 |
| Average total loans | $2,532,362,500 | 307 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 493 |
| Cost of funding earning assets | 0.1969% | 3,501 |
| Net interest margin | 4.4193% | 318 |
| Noninterest income to average assets | 1.3791% | 573 |
| Noninterest expense to average assets | 1.9329% | 3,853 |
| Loan and lease loss provision to assets | 0.2783% | 310 |
| Net operating income to assets | 2.4913% | 161 |
| Return on assets (ROA) | 2.4877% | 165 |
| Pretax return on assets | 3.3279% | 108 |
| Return on Equity (ROE) | 24.4303% | 133 |
| Retained earnings to average equity (ytd only) | 19.7653% | 66 |
| Net charge-offs to loans | 0.0054% | 2,391 |
| Credit loss provision to net charge-offs | 6,131.8584% | 119 |
| Earnings coverage of net charge-offs (x) | 795.6106% | 190 |
| Efficiency ratio | 34.8673% | 4,763 |
| Assets per employee ($millions) | 14.4066% | 224 |
| Cash dividends to net income (ytd only)* | 19.0953% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 4,466 |
| Loan loss allowance to noncurrent loans | 186.2652% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 1,602 |
| Noncurrent loans to loans | 0.3626% | 2,285 |
| Net loans and leases to total assets | 80.1105% | 265 |
| Net loans and leases to deposits | 108.0783% | 93 |
| Net loans and leases to core deposits | 136.8867% | 75 |
| Total domestic deposits to total assets | 74.1226% | 4,582 |
| Equity capital to assets | 9.0099% | 3,608 |
| Core capital (leverage) ratio | 9.1114% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1840% | 1,221 |
| Memoranda: | ||
| Average total assets | $2,489,924,000 | 438 |
| Average earning assets | $2,346,393,400 | 427 |
| Average equity | $253,545,600 | 438 |
| Average total loans | $2,096,007,400 | 350 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 476 |
| Cost of funding earning assets | 0.2050% | 3,556 |
| Net interest margin | 4.5128% | 306 |
| Noninterest income to average assets | 1.5204% | 533 |
| Noninterest expense to average assets | 2.0425% | 3,548 |
| Loan and lease loss provision to assets | 0.3645% | 188 |
| Net operating income to assets | 2.5368% | 208 |
| Return on assets (ROA) | 2.5364% | 211 |
| Pretax return on assets | 3.3554% | 128 |
| Return on Equity (ROE) | 23.9881% | 205 |
| Retained earnings to average equity (ytd only) | 19.5324% | 148 |
| Net charge-offs to loans | 0.0050% | 2,154 |
| Credit loss provision to net charge-offs | 8,625.6757% | 90 |
| Earnings coverage of net charge-offs (x) | 880.2568% | 185 |
| Efficiency ratio | 35.4420% | 4,822 |
| Assets per employee ($millions) | 13.0634% | 302 |
| Cash dividends to net income (ytd only)* | 18.5746% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,514 |
| Loan loss allowance to noncurrent loans | 276.1545% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 1,950 |
| Noncurrent loans to loans | 0.2516% | 2,929 |
| Net loans and leases to total assets | 85.2562% | 81 |
| Net loans and leases to deposits | 108.8061% | 103 |
| Net loans and leases to core deposits | 139.9450% | 82 |
| Total domestic deposits to total assets | 78.3561% | 4,386 |
| Equity capital to assets | 9.6582% | 3,239 |
| Core capital (leverage) ratio | 9.9610% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0256% | 1,346 |
| Memoranda: | ||
| Average total assets | $2,334,450,000 | 464 |
| Average earning assets | $2,194,542,000 | 458 |
| Average equity | $246,838,750 | 454 |
| Average total loans | $1,992,547,500 | 366 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 532 |
| Cost of funding earning assets | 0.2163% | 3,586 |
| Net interest margin | 4.4858% | 362 |
| Noninterest income to average assets | 1.5428% | 523 |
| Noninterest expense to average assets | 2.0696% | 3,492 |
| Loan and lease loss provision to assets | 0.3468% | 217 |
| Net operating income to assets | 2.5056% | 215 |
| Return on assets (ROA) | 2.5056% | 232 |
| Pretax return on assets | 3.3420% | 132 |
| Return on Equity (ROE) | 22.8672% | 268 |
| Retained earnings to average equity (ytd only) | 18.5665% | 203 |
| Net charge-offs to loans | 0.0086% | 1,820 |
| Credit loss provision to net charge-offs | 4,755.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 505.7750% | 260 |
| Efficiency ratio | 35.9403% | 4,841 |
| Assets per employee ($millions) | 11.7226% | 383 |
| Cash dividends to net income (ytd only)* | 18.8073% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 4,589 |
| Loan loss allowance to noncurrent loans | 209.2707% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 1,841 |
| Noncurrent loans to loans | 0.3161% | 2,786 |
| Net loans and leases to total assets | 82.5838% | 194 |
| Net loans and leases to deposits | 102.7475% | 204 |
| Net loans and leases to core deposits | 133.8499% | 110 |
| Total domestic deposits to total assets | 80.3755% | 4,172 |
| Equity capital to assets | 10.0045% | 2,844 |
| Core capital (leverage) ratio | 10.6124% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8850% | 1,150 |
| Memoranda: | ||
| Average total assets | $2,193,805,667 | 483 |
| Average earning assets | $2,061,631,667 | 473 |
| Average equity | $240,379,333 | 461 |
| Average total loans | $1,867,919,333 | 387 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 513 |
| Cost of funding earning assets | 0.2426% | 3,541 |
| Net interest margin | 4.5234% | 341 |
| Noninterest income to average assets | 1.6222% | 532 |
| Noninterest expense to average assets | 2.1005% | 3,424 |
| Loan and lease loss provision to assets | 0.3150% | 283 |
| Net operating income to assets | 2.5680% | 240 |
| Return on assets (ROA) | 2.5680% | 262 |
| Pretax return on assets | 3.4411% | 153 |
| Return on Equity (ROE) | 22.2368% | 377 |
| Retained earnings to average equity (ytd only) | 17.8290% | 373 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8661% | 4,849 |
| Assets per employee ($millions) | 10.0886% | 578 |
| Cash dividends to net income (ytd only)* | 19.8220% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6269% | 4,657 |
| Loan loss allowance to noncurrent loans | 129.3683% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 1,593 |
| Noncurrent loans to loans | 0.4846% | 2,400 |
| Net loans and leases to total assets | 86.1559% | 86 |
| Net loans and leases to deposits | 103.7551% | 206 |
| Net loans and leases to core deposits | 133.8332% | 122 |
| Total domestic deposits to total assets | 83.0377% | 3,677 |
| Equity capital to assets | 11.1068% | 1,782 |
| Core capital (leverage) ratio | 11.4535% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6750% | 969 |
| Memoranda: | ||
| Average total assets | $2,030,531,500 | 513 |
| Average earning assets | $1,900,794,500 | 509 |
| Average equity | $234,494,000 | 464 |
| Average total loans | $1,754,247,000 | 407 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 695 |
| Cost of funding earning assets | 0.7226% | 1,602 |
| Net interest margin | 4.1071% | 770 |
| Noninterest income to average assets | 1.5771% | 493 |
| Noninterest expense to average assets | 2.3611% | 3,240 |
| Loan and lease loss provision to assets | 0.2012% | 1,951 |
| Net operating income to assets | 2.1240% | 207 |
| Return on assets (ROA) | 2.1240% | 224 |
| Pretax return on assets | 2.8450% | 134 |
| Return on Equity (ROE) | 17.0520% | 407 |
| Retained earnings to average equity (ytd only) | 12.2501% | 296 |
| Net charge-offs to loans | 0.0122% | 2,895 |
| Credit loss provision to net charge-offs | 2,039.4118% | 436 |
| Earnings coverage of net charge-offs (x) | 308.7471% | 342 |
| Efficiency ratio | 43.6653% | 4,798 |
| Assets per employee ($millions) | 9.0147% | 738 |
| Cash dividends to net income (ytd only)* | 28.1608% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6193% | 4,700 |
| Loan loss allowance to noncurrent loans | 99.3433% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 1,396 |
| Noncurrent loans to loans | 0.6234% | 2,134 |
| Net loans and leases to total assets | 85.5133% | 113 |
| Net loans and leases to deposits | 107.1345% | 208 |
| Net loans and leases to core deposits | 129.0611% | 209 |
| Total domestic deposits to total assets | 79.8187% | 4,075 |
| Equity capital to assets | 12.0496% | 1,545 |
| Core capital (leverage) ratio | 12.5461% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5410% | 833 |
| Memoranda: | ||
| Average total assets | $1,723,020,800 | 548 |
| Average earning assets | $1,606,870,600 | 539 |
| Average equity | $214,619,400 | 479 |
| Average total loans | $1,397,328,800 | 478 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 703 |
| Cost of funding earning assets | 0.8672% | 1,187 |
| Net interest margin | 4.0521% | 1,000 |
| Noninterest income to average assets | 1.6690% | 422 |
| Noninterest expense to average assets | 2.3568% | 3,266 |
| Loan and lease loss provision to assets | 0.1995% | 1,996 |
| Net operating income to assets | 2.1535% | 222 |
| Return on assets (ROA) | 2.1535% | 238 |
| Pretax return on assets | 2.8932% | 129 |
| Return on Equity (ROE) | 17.1308% | 434 |
| Retained earnings to average equity (ytd only) | 12.0877% | 415 |
| Net charge-offs to loans | 0.0011% | 3,193 |
| Credit loss provision to net charge-offs | 22,827.2727% | 59 |
| Earnings coverage of net charge-offs (x) | 3,538.9091% | 21 |
| Efficiency ratio | 43.2479% | 4,826 |
| Assets per employee ($millions) | 8.5842% | 817 |
| Cash dividends to net income (ytd only)* | 29.4389% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,678 |
| Loan loss allowance to noncurrent loans | 95.9421% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 2,003 |
| Noncurrent loans to loans | 0.6653% | 2,122 |
| Net loans and leases to total assets | 83.4219% | 325 |
| Net loans and leases to deposits | 105.2299% | 348 |
| Net loans and leases to core deposits | 113.9463% | 559 |
| Total domestic deposits to total assets | 79.2758% | 4,005 |
| Equity capital to assets | 12.7066% | 1,327 |
| Core capital (leverage) ratio | 12.5175% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5188% | 720 |
| Memoranda: | ||
| Average total assets | $1,678,252,250 | 553 |
| Average earning assets | $1,565,721,000 | 543 |
| Average equity | $210,975,500 | 477 |
| Average total loans | $1,337,490,750 | 491 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 667 |
| Cost of funding earning assets | 1.0292% | 903 |
| Net interest margin | 4.0891% | 1,140 |
| Noninterest income to average assets | 1.5849% | 412 |
| Noninterest expense to average assets | 2.3801% | 3,306 |
| Loan and lease loss provision to assets | 0.1281% | 2,745 |
| Net operating income to assets | 2.1296% | 247 |
| Return on assets (ROA) | 2.1296% | 274 |
| Pretax return on assets | 2.8996% | 130 |
| Return on Equity (ROE) | 17.0050% | 453 |
| Retained earnings to average equity (ytd only) | 11.5551% | 522 |
| Net charge-offs to loans | 0.0009% | 3,004 |
| Credit loss provision to net charge-offs | 17,683.3333% | 70 |
| Earnings coverage of net charge-offs (x) | 4,180.1667% | 12 |
| Efficiency ratio | 44.0131% | 4,810 |
| Assets per employee ($millions) | 8.2187% | 896 |
| Cash dividends to net income (ytd only)* | 32.0485% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 4,767 |
| Loan loss allowance to noncurrent loans | 76.3886% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 1,951 |
| Noncurrent loans to loans | 0.7545% | 1,995 |
| Net loans and leases to total assets | 78.8956% | 738 |
| Net loans and leases to deposits | 98.0465% | 654 |
| Net loans and leases to core deposits | 107.9849% | 819 |
| Total domestic deposits to total assets | 80.4675% | 3,736 |
| Equity capital to assets | 12.3800% | 1,436 |
| Core capital (leverage) ratio | 12.4878% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9845% | 675 |
| Memoranda: | ||
| Average total assets | $1,656,805,333 | 552 |
| Average earning assets | $1,548,932,000 | 537 |
| Average equity | $207,492,333 | 485 |
| Average total loans | $1,295,640,000 | 498 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 442 |
| Cost of funding earning assets | 1.2404% | 673 |
| Net interest margin | 4.1825% | 957 |
| Noninterest income to average assets | 1.8823% | 291 |
| Noninterest expense to average assets | 2.4886% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4265% | 121 |
| Return on assets (ROA) | 2.4265% | 132 |
| Pretax return on assets | 3.3028% | 64 |
| Return on Equity (ROE) | 19.2579% | 199 |
| Retained earnings to average equity (ytd only) | 13.7258% | 276 |
| Net charge-offs to loans | -0.0064% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9709% | 4,914 |
| Assets per employee ($millions) | 7.5514% | 879 |
| Cash dividends to net income (ytd only)* | 28.7268% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5419% | 4,836 |
| Loan loss allowance to noncurrent loans | 62.4056% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 1,891 |
| Noncurrent loans to loans | 0.8683% | 1,878 |
| Net loans and leases to total assets | 78.2731% | 935 |
| Net loans and leases to deposits | 98.4015% | 669 |
| Net loans and leases to core deposits | 112.7847% | 722 |
| Total domestic deposits to total assets | 79.5447% | 3,944 |
| Equity capital to assets | 12.9268% | 1,467 |
| Core capital (leverage) ratio | 12.4216% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8546% | 764 |
| Memoranda: | ||
| Average total assets | $1,622,247,500 | 541 |
| Average earning assets | $1,516,229,000 | 525 |
| Average equity | $204,404,000 | 485 |
| Average total loans | $1,258,675,500 | 492 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7442% | 366 |
| Cost of funding earning assets | 1.5384% | 354 |
| Net interest margin | 4.2058% | 1,308 |
| Noninterest income to average assets | 2.5807% | 193 |
| Noninterest expense to average assets | 2.5763% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.8968% | 87 |
| Return on assets (ROA) | 2.8968% | 89 |
| Pretax return on assets | 3.9423% | 64 |
| Return on Equity (ROE) | 24.5572% | 82 |
| Retained earnings to average equity (ytd only) | 18.8576% | 41 |
| Net charge-offs to loans | -0.0156% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5221% | 5,074 |
| Assets per employee ($millions) | 7.8656% | 751 |
| Cash dividends to net income (ytd only)* | 23.2094% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 4,826 |
| Loan loss allowance to noncurrent loans | 55.8924% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 1,671 |
| Noncurrent loans to loans | 0.9777% | 1,561 |
| Net loans and leases to total assets | 76.0779% | 1,399 |
| Net loans and leases to deposits | 92.8613% | 1,271 |
| Net loans and leases to core deposits | 108.5241% | 939 |
| Total domestic deposits to total assets | 81.9263% | 3,525 |
| Equity capital to assets | 12.2788% | 1,961 |
| Core capital (leverage) ratio | 11.7402% | 1,931 |
| Tier 1 risk-based capital ratio | 19.7006% | 1,368 |
| Total risk-based capital ratio | 20.3998% | 1,456 |
| Memoranda: | ||
| Average total assets | $1,547,174,800 | 538 |
| Average earning assets | $1,448,646,200 | 526 |
| Average equity | $182,504,600 | 512 |
| Average total loans | $1,252,925,400 | 480 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 323 |
| Cost of funding earning assets | 1.5453% | 355 |
| Net interest margin | 4.2951% | 1,173 |
| Noninterest income to average assets | 2.6718% | 180 |
| Noninterest expense to average assets | 2.6334% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.9824% | 88 |
| Return on assets (ROA) | 2.9824% | 92 |
| Pretax return on assets | 4.0627% | 62 |
| Return on Equity (ROE) | 25.5637% | 77 |
| Retained earnings to average equity (ytd only) | 19.8771% | 50 |
| Net charge-offs to loans | -0.0219% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3278% | 5,140 |
| Assets per employee ($millions) | 8.1569% | 652 |
| Cash dividends to net income (ytd only)* | 22.2450% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 4,910 |
| Loan loss allowance to noncurrent loans | 59.3176% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 1,884 |
| Noncurrent loans to loans | 0.9140% | 1,751 |
| Net loans and leases to total assets | 76.2634% | 1,433 |
| Net loans and leases to deposits | 92.4391% | 1,382 |
| Net loans and leases to core deposits | 108.6622% | 1,011 |
| Total domestic deposits to total assets | 82.5012% | 3,315 |
| Equity capital to assets | 11.6805% | 2,527 |
| Core capital (leverage) ratio | 11.5647% | 2,173 |
| Tier 1 risk-based capital ratio | 18.6450% | 1,652 |
| Total risk-based capital ratio | 19.3396% | 1,749 |
| Memoranda: | ||
| Average total assets | $1,524,958,750 | 548 |
| Average earning assets | $1,428,827,000 | 533 |
| Average equity | $177,909,250 | 524 |
| Average total loans | $1,253,281,000 | 483 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8429% | 311 |
| Cost of funding earning assets | 1.5269% | 346 |
| Net interest margin | 4.3160% | 1,106 |
| Noninterest income to average assets | 2.6347% | 186 |
| Noninterest expense to average assets | 2.6907% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.9297% | 90 |
| Return on assets (ROA) | 2.9297% | 93 |
| Pretax return on assets | 3.9935% | 65 |
| Return on Equity (ROE) | 25.1232% | 91 |
| Retained earnings to average equity (ytd only) | 19.4650% | 65 |
| Net charge-offs to loans | 0.0258% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 184.0559% | 420 |
| Efficiency ratio | 40.2548% | 5,155 |
| Assets per employee ($millions) | 7.5264% | 795 |
| Cash dividends to net income (ytd only)* | 22.5217% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5134% | 5,002 |
| Loan loss allowance to noncurrent loans | 47.5537% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 1,565 |
| Noncurrent loans to loans | 1.0797% | 1,515 |
| Net loans and leases to total assets | 82.2177% | 569 |
| Net loans and leases to deposits | 95.5418% | 1,093 |
| Net loans and leases to core deposits | 113.6261% | 794 |
| Total domestic deposits to total assets | 86.0542% | 2,007 |
| Equity capital to assets | 11.9342% | 2,241 |
| Core capital (leverage) ratio | 11.5436% | 2,125 |
| Tier 1 risk-based capital ratio | 17.8099% | 1,853 |
| Total risk-based capital ratio | 18.4747% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,484,049,000 | 558 |
| Average earning assets | $1,392,452,000 | 545 |
| Average equity | $173,059,330 | 535 |
| Average total loans | $1,249,897,000 | 482 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7773% | 326 |
| Cost of funding earning assets | 1.4724% | 356 |
| Net interest margin | 4.3049% | 1,081 |
| Noninterest income to average assets | 2.0365% | 240 |
| Noninterest expense to average assets | 2.7497% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3940% | 195 |
| Return on assets (ROA) | 2.3940% | 208 |
| Pretax return on assets | 3.3357% | 100 |
| Return on Equity (ROE) | 20.7838% | 226 |
| Retained earnings to average equity (ytd only) | 14.9578% | 279 |
| Net charge-offs to loans | 0.0380% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 103.3305% | 655 |
| Efficiency ratio | 45.1852% | 5,060 |
| Assets per employee ($millions) | 7.4423% | 838 |
| Cash dividends to net income (ytd only)* | 28.0311% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5090% | 5,071 |
| Loan loss allowance to noncurrent loans | 82.9752% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 2,519 |
| Noncurrent loans to loans | 0.6134% | 2,498 |
| Net loans and leases to total assets | 85.6976% | 211 |
| Net loans and leases to deposits | 98.2089% | 770 |
| Net loans and leases to core deposits | 121.8832% | 486 |
| Total domestic deposits to total assets | 87.2605% | 1,683 |
| Equity capital to assets | 11.5383% | 2,363 |
| Core capital (leverage) ratio | 11.2104% | 2,379 |
| Tier 1 risk-based capital ratio | 17.2136% | 2,045 |
| Total risk-based capital ratio | 17.9016% | 2,166 |
| Memoranda: | ||
| Average total assets | $1,462,142,500 | 565 |
| Average earning assets | $1,375,181,000 | 552 |
| Average equity | $168,420,000 | 545 |
| Average total loans | $1,243,517,500 | 486 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 284 |
| Cost of funding earning assets | 1.1478% | 418 |
| Net interest margin | 4.5432% | 704 |
| Noninterest income to average assets | 2.7449% | 173 |
| Noninterest expense to average assets | 2.8087% | 2,660 |
| Loan and lease loss provision to assets | 0.0906% | 2,335 |
| Net operating income to assets | 3.0317% | 77 |
| Return on assets (ROA) | 3.0317% | 79 |
| Pretax return on assets | 4.1085% | 55 |
| Return on Equity (ROE) | 27.8189% | 53 |
| Retained earnings to average equity (ytd only) | 21.5723% | 29 |
| Net charge-offs to loans | 0.1312% | 1,436 |
| Credit loss provision to net charge-offs | 81.4888% | 2,843 |
| Earnings coverage of net charge-offs (x) | 37.7536% | 1,370 |
| Efficiency ratio | 40.0793% | 5,281 |
| Assets per employee ($millions) | 7.5174% | 789 |
| Cash dividends to net income (ytd only)* | 22.4545% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 5,059 |
| Loan loss allowance to noncurrent loans | 117.2402% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 2,979 |
| Noncurrent loans to loans | 0.4703% | 2,866 |
| Net loans and leases to total assets | 83.4566% | 458 |
| Net loans and leases to deposits | 95.3821% | 1,134 |
| Net loans and leases to core deposits | 120.9698% | 518 |
| Total domestic deposits to total assets | 87.4971% | 1,542 |
| Equity capital to assets | 11.4984% | 2,252 |
| Core capital (leverage) ratio | 10.9091% | 2,613 |
| Tier 1 risk-based capital ratio | 17.0804% | 2,039 |
| Total risk-based capital ratio | 17.8046% | 2,169 |
| Memoranda: | ||
| Average total assets | $1,364,807,000 | 580 |
| Average earning assets | $1,280,630,200 | 566 |
| Average equity | $148,737,000 | 578 |
| Average total loans | $1,156,962,600 | 499 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 264 |
| Cost of funding earning assets | 1.0699% | 449 |
| Net interest margin | 4.6094% | 586 |
| Noninterest income to average assets | 2.8097% | 174 |
| Noninterest expense to average assets | 2.7625% | 2,767 |
| Loan and lease loss provision to assets | 0.1176% | 1,725 |
| Net operating income to assets | 3.1379% | 72 |
| Return on assets (ROA) | 3.1379% | 72 |
| Pretax return on assets | 4.2560% | 56 |
| Return on Equity (ROE) | 29.2225% | 42 |
| Retained earnings to average equity (ytd only) | 22.9196% | 34 |
| Net charge-offs to loans | 0.1435% | 1,141 |
| Credit loss provision to net charge-offs | 96.4286% | 2,347 |
| Earnings coverage of net charge-offs (x) | 35.8660% | 1,440 |
| Efficiency ratio | 38.7117% | 5,356 |
| Assets per employee ($millions) | 7.8012% | 694 |
| Cash dividends to net income (ytd only)* | 21.5689% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 5,065 |
| Loan loss allowance to noncurrent loans | 118.3523% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,070 |
| Noncurrent loans to loans | 0.4953% | 2,907 |
| Net loans and leases to total assets | 80.8523% | 893 |
| Net loans and leases to deposits | 92.0424% | 1,620 |
| Net loans and leases to core deposits | 121.1027% | 543 |
| Total domestic deposits to total assets | 87.8425% | 1,315 |
| Equity capital to assets | 10.8973% | 2,756 |
| Core capital (leverage) ratio | 10.7473% | 2,843 |
| Tier 1 risk-based capital ratio | 16.7879% | 2,172 |
| Total risk-based capital ratio | 17.5650% | 2,273 |
| Memoranda: | ||
| Average total assets | $1,347,053,250 | 587 |
| Average earning assets | $1,264,341,500 | 575 |
| Average equity | $144,647,250 | 590 |
| Average total loans | $1,144,970,250 | 499 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6851% | 241 |
| Cost of funding earning assets | 1.0184% | 430 |
| Net interest margin | 4.6667% | 481 |
| Noninterest income to average assets | 2.9513% | 165 |
| Noninterest expense to average assets | 2.6873% | 3,057 |
| Loan and lease loss provision to assets | 0.1325% | 1,492 |
| Net operating income to assets | 3.3215% | 63 |
| Return on assets (ROA) | 3.3215% | 63 |
| Pretax return on assets | 4.5124% | 51 |
| Return on Equity (ROE) | 31.1011% | 31 |
| Retained earnings to average equity (ytd only) | 24.8578% | 24 |
| Net charge-offs to loans | 0.1814% | 866 |
| Credit loss provision to net charge-offs | 84.5631% | 2,213 |
| Earnings coverage of net charge-offs (x) | 29.6505% | 1,514 |
| Efficiency ratio | 36.6508% | 5,443 |
| Assets per employee ($millions) | 7.5877% | 741 |
| Cash dividends to net income (ytd only)* | 20.0742% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5773% | 5,144 |
| Loan loss allowance to noncurrent loans | 132.5887% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 3,228 |
| Noncurrent loans to loans | 0.4354% | 3,138 |
| Net loans and leases to total assets | 86.2750% | 242 |
| Net loans and leases to deposits | 99.1897% | 865 |
| Net loans and leases to core deposits | 131.7576% | 298 |
| Total domestic deposits to total assets | 86.9798% | 1,849 |
| Equity capital to assets | 11.0536% | 2,584 |
| Core capital (leverage) ratio | 10.5365% | 2,994 |
| Tier 1 risk-based capital ratio | 15.7883% | 2,520 |
| Total risk-based capital ratio | 16.5513% | 2,661 |
| Memoranda: | ||
| Average total assets | $1,314,996,330 | 597 |
| Average earning assets | $1,234,453,330 | 584 |
| Average equity | $140,438,670 | 612 |
| Average total loans | $1,135,373,330 | 502 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 237 |
| Cost of funding earning assets | 0.9893% | 387 |
| Net interest margin | 4.6043% | 496 |
| Noninterest income to average assets | 3.1095% | 155 |
| Noninterest expense to average assets | 2.7857% | 2,752 |
| Loan and lease loss provision to assets | 0.0308% | 3,101 |
| Net operating income to assets | 3.4089% | 64 |
| Return on assets (ROA) | 3.4089% | 64 |
| Pretax return on assets | 4.6143% | 52 |
| Return on Equity (ROE) | 32.5117% | 33 |
| Retained earnings to average equity (ytd only) | 26.0653% | 41 |
| Net charge-offs to loans | 0.1912% | 771 |
| Credit loss provision to net charge-offs | 18.7266% | 2,129 |
| Earnings coverage of net charge-offs (x) | 28.2097% | 1,275 |
| Efficiency ratio | 37.4886% | 5,495 |
| Assets per employee ($millions) | 7.6598% | 719 |
| Cash dividends to net income (ytd only)* | 19.8281% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5737% | 5,231 |
| Loan loss allowance to noncurrent loans | 83.1433% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 2,462 |
| Noncurrent loans to loans | 0.6900% | 2,486 |
| Net loans and leases to total assets | 86.3875% | 232 |
| Net loans and leases to deposits | 102.1365% | 570 |
| Net loans and leases to core deposits | 134.4538% | 279 |
| Total domestic deposits to total assets | 84.5804% | 3,084 |
| Equity capital to assets | 10.7869% | 2,785 |
| Core capital (leverage) ratio | 9.9877% | 3,553 |
| Tier 1 risk-based capital ratio | 15.3706% | 2,707 |
| Total risk-based capital ratio | 16.1323% | 2,863 |
| Memoranda: | ||
| Average total assets | $1,297,191,500 | 609 |
| Average earning assets | $1,217,480,000 | 594 |
| Average equity | $136,012,500 | 629 |
| Average total loans | $1,117,059,500 | 512 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 267 |
| Cost of funding earning assets | 0.7879% | 666 |
| Net interest margin | 4.7089% | 414 |
| Noninterest income to average assets | 2.7629% | 193 |
| Noninterest expense to average assets | 2.6539% | 3,273 |
| Loan and lease loss provision to assets | 0.2610% | 701 |
| Net operating income to assets | 2.7220% | 92 |
| Return on assets (ROA) | 2.7220% | 91 |
| Pretax return on assets | 4.2737% | 63 |
| Return on Equity (ROE) | 27.0775% | 51 |
| Retained earnings to average equity (ytd only) | 22.4591% | 28 |
| Net charge-offs to loans | 0.1592% | 1,529 |
| Credit loss provision to net charge-offs | 190.7049% | 1,432 |
| Earnings coverage of net charge-offs (x) | 33.1354% | 1,445 |
| Efficiency ratio | 36.9065% | 5,571 |
| Assets per employee ($millions) | 7.7844% | 685 |
| Cash dividends to net income (ytd only)* | 17.0561% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 5,193 |
| Loan loss allowance to noncurrent loans | 158.2495% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,320 |
| Noncurrent loans to loans | 0.3968% | 3,336 |
| Net loans and leases to total assets | 84.7996% | 364 |
| Net loans and leases to deposits | 106.6548% | 374 |
| Net loans and leases to core deposits | 140.5383% | 206 |
| Total domestic deposits to total assets | 79.5085% | 4,440 |
| Equity capital to assets | 10.1811% | 3,511 |
| Core capital (leverage) ratio | 10.4714% | 2,873 |
| Tier 1 risk-based capital ratio | 15.8149% | 2,504 |
| Total risk-based capital ratio | 16.6530% | 2,597 |
| Memoranda: | ||
| Average total assets | $1,171,326,200 | 640 |
| Average earning assets | $1,100,903,600 | 624 |
| Average equity | $117,747,400 | 699 |
| Average total loans | $1,006,670,800 | 537 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 267 |
| Cost of funding earning assets | 0.7558% | 736 |
| Net interest margin | 4.7103% | 400 |
| Noninterest income to average assets | 2.8414% | 194 |
| Noninterest expense to average assets | 2.8849% | 2,460 |
| Loan and lease loss provision to assets | 0.0901% | 2,269 |
| Net operating income to assets | 2.6282% | 114 |
| Return on assets (ROA) | 2.6282% | 114 |
| Pretax return on assets | 4.2970% | 65 |
| Return on Equity (ROE) | 26.2393% | 56 |
| Retained earnings to average equity (ytd only) | 22.0257% | 40 |
| Net charge-offs to loans | 0.0125% | 3,294 |
| Credit loss provision to net charge-offs | 838.0435% | 419 |
| Earnings coverage of net charge-offs (x) | 408.1316% | 234 |
| Efficiency ratio | 39.6565% | 5,587 |
| Assets per employee ($millions) | 7.8354% | 668 |
| Cash dividends to net income (ytd only)* | 16.0583% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 5,375 |
| Loan loss allowance to noncurrent loans | 98.2742% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 2,869 |
| Noncurrent loans to loans | 0.5803% | 2,951 |
| Net loans and leases to total assets | 86.0709% | 257 |
| Net loans and leases to deposits | 108.6505% | 317 |
| Net loans and leases to core deposits | 136.0231% | 256 |
| Total domestic deposits to total assets | 79.2182% | 4,494 |
| Equity capital to assets | 9.9340% | 3,986 |
| Core capital (leverage) ratio | 10.3066% | 3,190 |
| Tier 1 risk-based capital ratio | 15.1779% | 2,847 |
| Total risk-based capital ratio | 15.9380% | 3,000 |
| Memoranda: | ||
| Average total assets | $1,141,103,750 | 655 |
| Average earning assets | $1,073,329,250 | 635 |
| Average equity | $114,293,750 | 720 |
| Average total loans | $982,658,750 | 556 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 283 |
| Cost of funding earning assets | 0.7318% | 756 |
| Net interest margin | 4.6560% | 431 |
| Noninterest income to average assets | 3.0774% | 181 |
| Noninterest expense to average assets | 2.8604% | 2,539 |
| Loan and lease loss provision to assets | 0.0246% | 3,510 |
| Net operating income to assets | 2.7834% | 93 |
| Return on assets (ROA) | 2.7834% | 95 |
| Pretax return on assets | 4.5726% | 60 |
| Return on Equity (ROE) | 27.7042% | 53 |
| Retained earnings to average equity (ytd only) | 23.3889% | 38 |
| Net charge-offs to loans | -0.0025% | 4,202 |
| Credit loss provision to net charge-offs | -1,133.3333% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3340% | 5,658 |
| Assets per employee ($millions) | 7.4389% | 764 |
| Cash dividends to net income (ytd only)* | 15.5765% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5802% | 5,411 |
| Loan loss allowance to noncurrent loans | 2,220.9486% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,078 |
| Noncurrent loans to loans | 0.0261% | 5,059 |
| Net loans and leases to total assets | 84.5996% | 385 |
| Net loans and leases to deposits | 100.7465% | 683 |
| Net loans and leases to core deposits | 120.8785% | 523 |
| Total domestic deposits to total assets | 83.9727% | 3,205 |
| Equity capital to assets | 10.3342% | 3,533 |
| Core capital (leverage) ratio | 10.5585% | 2,854 |
| Tier 1 risk-based capital ratio | 15.4471% | 2,730 |
| Total risk-based capital ratio | 16.1911% | 2,887 |
| Memoranda: | ||
| Average total assets | $1,106,197,000 | 674 |
| Average earning assets | $1,040,689,330 | 657 |
| Average equity | $111,138,330 | 744 |
| Average total loans | $950,731,000 | 568 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 422 |
| Cost of funding earning assets | 0.7182% | 770 |
| Net interest margin | 4.4140% | 621 |
| Noninterest income to average assets | 3.6906% | 161 |
| Noninterest expense to average assets | 2.9187% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.9755% | 95 |
| Return on assets (ROA) | 2.9755% | 99 |
| Pretax return on assets | 4.9278% | 61 |
| Return on Equity (ROE) | 30.0654% | 47 |
| Retained earnings to average equity (ytd only) | 25.6353% | 46 |
| Net charge-offs to loans | -0.0030% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1551% | 5,738 |
| Assets per employee ($millions) | 7.1856% | 866 |
| Cash dividends to net income (ytd only)* | 14.7349% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5978% | 5,481 |
| Loan loss allowance to noncurrent loans | 19,564.2857% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,201 |
| Noncurrent loans to loans | 0.0031% | 5,264 |
| Net loans and leases to total assets | 84.5099% | 324 |
| Net loans and leases to deposits | 97.0858% | 840 |
| Net loans and leases to core deposits | 118.7739% | 492 |
| Total domestic deposits to total assets | 87.0466% | 2,192 |
| Equity capital to assets | 10.3347% | 3,371 |
| Core capital (leverage) ratio | 10.4316% | 2,981 |
| Tier 1 risk-based capital ratio | 15.1187% | 2,915 |
| Total risk-based capital ratio | 15.8682% | 3,079 |
| Memoranda: | ||
| Average total assets | $1,090,221,000 | 688 |
| Average earning assets | $1,026,455,500 | 671 |
| Average equity | $107,898,000 | 760 |
| Average total loans | $941,852,000 | 578 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 256 |
| Cost of funding earning assets | 0.6628% | 992 |
| Net interest margin | 4.8186% | 337 |
| Noninterest income to average assets | 2.3470% | 274 |
| Noninterest expense to average assets | 3.0367% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3884% | 169 |
| Return on assets (ROA) | 2.3884% | 172 |
| Pretax return on assets | 3.8099% | 72 |
| Return on Equity (ROE) | 21.2251% | 170 |
| Retained earnings to average equity (ytd only) | 17.2897% | 68 |
| Net charge-offs to loans | 0.0077% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 579.0536% | 144 |
| Efficiency ratio | 44.2572% | 5,687 |
| Assets per employee ($millions) | 7.9324% | 629 |
| Cash dividends to net income (ytd only)* | 18.5409% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 5,583 |
| Loan loss allowance to noncurrent loans | 4,484.4262% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,177 |
| Noncurrent loans to loans | 0.0126% | 5,231 |
| Net loans and leases to total assets | 87.2367% | 165 |
| Net loans and leases to deposits | 109.7370% | 232 |
| Net loans and leases to core deposits | 133.8521% | 239 |
| Total domestic deposits to total assets | 79.4961% | 4,680 |
| Equity capital to assets | 9.4689% | 4,305 |
| Core capital (leverage) ratio | 10.1577% | 3,289 |
| Tier 1 risk-based capital ratio | 13.7509% | 3,610 |
| Total risk-based capital ratio | 14.4773% | 3,850 |
| Memoranda: | ||
| Average total assets | $851,116,600 | 853 |
| Average earning assets | $794,772,200 | 844 |
| Average equity | $95,773,600 | 833 |
| Average total loans | $729,043,600 | 691 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4792% | 256 |
| Cost of funding earning assets | 0.6407% | 1,092 |
| Net interest margin | 4.8385% | 337 |
| Noninterest income to average assets | 2.4077% | 272 |
| Noninterest expense to average assets | 3.0621% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.5190% | 153 |
| Return on assets (ROA) | 2.5190% | 157 |
| Pretax return on assets | 3.8495% | 74 |
| Return on Equity (ROE) | 21.2096% | 186 |
| Retained earnings to average equity (ytd only) | 17.2018% | 89 |
| Net charge-offs to loans | -0.0038% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2011% | 5,737 |
| Assets per employee ($millions) | 7.2223% | 809 |
| Cash dividends to net income (ytd only)* | 18.8961% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 5,503 |
| Loan loss allowance to noncurrent loans | 2,844.1026% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 5,220 |
| Noncurrent loans to loans | 0.0233% | 5,290 |
| Net loans and leases to total assets | 86.5107% | 216 |
| Net loans and leases to deposits | 106.0278% | 374 |
| Net loans and leases to core deposits | 129.3145% | 311 |
| Total domestic deposits to total assets | 81.5924% | 4,081 |
| Equity capital to assets | 10.3881% | 3,695 |
| Core capital (leverage) ratio | 11.6253% | 1,937 |
| Tier 1 risk-based capital ratio | 14.4425% | 3,313 |
| Total risk-based capital ratio | 15.2520% | 3,481 |
| Memoranda: | ||
| Average total assets | $788,244,250 | 916 |
| Average earning assets | $733,735,500 | 905 |
| Average equity | $93,615,750 | 856 |
| Average total loans | $669,467,500 | 741 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5931% | 220 |
| Cost of funding earning assets | 0.6443% | 1,078 |
| Net interest margin | 4.9488% | 284 |
| Noninterest income to average assets | 2.6675% | 237 |
| Noninterest expense to average assets | 3.0372% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.7540% | 103 |
| Return on assets (ROA) | 2.7540% | 104 |
| Pretax return on assets | 4.2173% | 62 |
| Return on Equity (ROE) | 21.9814% | 155 |
| Retained earnings to average equity (ytd only) | 17.9206% | 83 |
| Net charge-offs to loans | -0.0020% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7610% | 5,870 |
| Assets per employee ($millions) | 6.6661% | 1,019 |
| Cash dividends to net income (ytd only)* | 18.4736% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 5,215 |
| Loan loss allowance to noncurrent loans | 1,448.4293% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 4,692 |
| Noncurrent loans to loans | 0.0569% | 5,228 |
| Net loans and leases to total assets | 83.9744% | 421 |
| Net loans and leases to deposits | 101.8863% | 569 |
| Net loans and leases to core deposits | 123.5865% | 419 |
| Total domestic deposits to total assets | 82.4197% | 3,869 |
| Equity capital to assets | 12.0706% | 2,083 |
| Core capital (leverage) ratio | 12.5447% | 1,329 |
| Tier 1 risk-based capital ratio | 16.0249% | 2,631 |
| Total risk-based capital ratio | 16.9595% | 2,713 |
| Memoranda: | ||
| Average total assets | $730,803,670 | 989 |
| Average earning assets | $677,374,330 | 986 |
| Average equity | $91,559,330 | 877 |
| Average total loans | $613,777,330 | 809 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6695% | 197 |
| Cost of funding earning assets | 0.6455% | 1,080 |
| Net interest margin | 5.0241% | 236 |
| Noninterest income to average assets | 2.7005% | 228 |
| Noninterest expense to average assets | 2.9361% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.9126% | 107 |
| Return on assets (ROA) | 2.9126% | 106 |
| Pretax return on assets | 4.4107% | 64 |
| Return on Equity (ROE) | 22.7759% | 136 |
| Retained earnings to average equity (ytd only) | 18.6312% | 115 |
| Net charge-offs to loans | 0.0034% | 3,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,542.8000% | 22 |
| Efficiency ratio | 39.8552% | 5,966 |
| Assets per employee ($millions) | 6.6033% | 1,057 |
| Cash dividends to net income (ytd only)* | 18.1979% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,988 |
| Loan loss allowance to noncurrent loans | 1,314.7619% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 4,686 |
| Noncurrent loans to loans | 0.0700% | 5,198 |
| Net loans and leases to total assets | 81.7997% | 586 |
| Net loans and leases to deposits | 97.0213% | 845 |
| Net loans and leases to core deposits | 117.8246% | 535 |
| Total domestic deposits to total assets | 84.3111% | 3,390 |
| Equity capital to assets | 12.6096% | 1,616 |
| Core capital (leverage) ratio | 12.8849% | 1,206 |
| Tier 1 risk-based capital ratio | 16.5467% | 2,462 |
| Total risk-based capital ratio | 17.5532% | 2,513 |
| Memoranda: | ||
| Average total assets | $699,572,000 | 1,028 |
| Average earning assets | $646,967,500 | 1,018 |
| Average equity | $89,463,000 | 894 |
| Average total loans | $584,829,000 | 844 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 203 |
| Cost of funding earning assets | 0.6134% | 1,292 |
| Net interest margin | 5.0678% | 221 |
| Noninterest income to average assets | 2.1055% | 334 |
| Noninterest expense to average assets | 2.6905% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.6232% | 131 |
| Return on assets (ROA) | 2.6233% | 130 |
| Pretax return on assets | 4.1066% | 71 |
| Return on Equity (ROE) | 20.7903% | 210 |
| Retained earnings to average equity (ytd only) | 17.3369% | 86 |
| Net charge-offs to loans | 0.0877% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.7691% | 907 |
| Efficiency ratio | 39.4537% | 6,073 |
| Assets per employee ($millions) | 6.1162% | 1,310 |
| Cash dividends to net income (ytd only)* | 16.6106% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,771 |
| Loan loss allowance to noncurrent loans | 302.0219% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 3,830 |
| Noncurrent loans to loans | 0.3211% | 4,308 |
| Net loans and leases to total assets | 83.8975% | 402 |
| Net loans and leases to deposits | 99.6635% | 699 |
| Net loans and leases to core deposits | 122.7370% | 411 |
| Total domestic deposits to total assets | 84.1808% | 3,412 |
| Equity capital to assets | 12.9811% | 1,357 |
| Core capital (leverage) ratio | 12.8738% | 1,198 |
| Tier 1 risk-based capital ratio | 17.8056% | 2,023 |
| Total risk-based capital ratio | 18.9418% | 2,011 |
| Memoranda: | ||
| Average total assets | $634,535,200 | 1,078 |
| Average earning assets | $587,409,400 | 1,061 |
| Average equity | $80,066,200 | 954 |
| Average total loans | $523,195,000 | 892 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 199 |
| Cost of funding earning assets | 0.6008% | 1,400 |
| Net interest margin | 5.0901% | 212 |
| Noninterest income to average assets | 2.0508% | 348 |
| Noninterest expense to average assets | 2.5844% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.5913% | 147 |
| Return on assets (ROA) | 2.5914% | 151 |
| Pretax return on assets | 4.1803% | 73 |
| Return on Equity (ROE) | 20.6975% | 235 |
| Retained earnings to average equity (ytd only) | 17.2215% | 101 |
| Net charge-offs to loans | 0.0894% | 2,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 57.1256% | 945 |
| Efficiency ratio | 38.0724% | 6,161 |
| Assets per employee ($millions) | 6.3990% | 1,121 |
| Cash dividends to net income (ytd only)* | 16.7943% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 4,554 |
| Loan loss allowance to noncurrent loans | 326.5625% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,887 |
| Noncurrent loans to loans | 0.3169% | 4,458 |
| Net loans and leases to total assets | 81.0807% | 693 |
| Net loans and leases to deposits | 96.0902% | 994 |
| Net loans and leases to core deposits | 117.9798% | 532 |
| Total domestic deposits to total assets | 84.3798% | 3,271 |
| Equity capital to assets | 12.5407% | 1,726 |
| Core capital (leverage) ratio | 12.4047% | 1,463 |
| Tier 1 risk-based capital ratio | 16.3711% | 2,639 |
| Total risk-based capital ratio | 17.4871% | 2,652 |
| Memoranda: | ||
| Average total assets | $624,974,750 | 1,099 |
| Average earning assets | $578,755,750 | 1,086 |
| Average equity | $78,249,250 | 975 |
| Average total loans | $511,501,250 | 911 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 281 |
| Cost of funding earning assets | 0.5807% | 1,555 |
| Net interest margin | 4.8803% | 310 |
| Noninterest income to average assets | 2.3256% | 300 |
| Noninterest expense to average assets | 2.5751% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.6446% | 143 |
| Return on assets (ROA) | 2.6448% | 147 |
| Pretax return on assets | 4.2668% | 72 |
| Return on Equity (ROE) | 21.1363% | 227 |
| Retained earnings to average equity (ytd only) | 17.6702% | 112 |
| Net charge-offs to loans | 0.0432% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 120.7778% | 523 |
| Efficiency ratio | 37.5054% | 6,246 |
| Assets per employee ($millions) | 6.3115% | 1,143 |
| Cash dividends to net income (ytd only)* | 16.3987% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,137 |
| Loan loss allowance to noncurrent loans | 214.7607% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 3,280 |
| Noncurrent loans to loans | 0.5304% | 3,866 |
| Net loans and leases to total assets | 79.2367% | 906 |
| Net loans and leases to deposits | 93.7833% | 1,173 |
| Net loans and leases to core deposits | 112.0472% | 744 |
| Total domestic deposits to total assets | 84.4891% | 3,352 |
| Equity capital to assets | 12.4230% | 1,701 |
| Core capital (leverage) ratio | 12.7722% | 1,267 |
| Tier 1 risk-based capital ratio | 16.0383% | 2,836 |
| Total risk-based capital ratio | 17.2272% | 2,828 |
| Memoranda: | ||
| Average total assets | $611,467,670 | 1,130 |
| Average earning assets | $565,822,330 | 1,116 |
| Average equity | $76,513,000 | 1,006 |
| Average total loans | $500,257,670 | 937 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 265 |
| Cost of funding earning assets | 0.5639% | 1,716 |
| Net interest margin | 4.9259% | 283 |
| Noninterest income to average assets | 2.2173% | 318 |
| Noninterest expense to average assets | 2.5002% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.6509% | 118 |
| Return on assets (ROA) | 2.6514% | 130 |
| Pretax return on assets | 4.2781% | 79 |
| Return on Equity (ROE) | 21.1068% | 225 |
| Retained earnings to average equity (ytd only) | 17.7317% | 153 |
| Net charge-offs to loans | 0.0942% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 54.8793% | 789 |
| Efficiency ratio | 36.7503% | 6,323 |
| Assets per employee ($millions) | 6.3304% | 1,175 |
| Cash dividends to net income (ytd only)* | 15.9909% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,088 |
| Loan loss allowance to noncurrent loans | 5,811.8812% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 4,703 |
| Noncurrent loans to loans | 0.0203% | 5,723 |
| Net loans and leases to total assets | 80.9573% | 574 |
| Net loans and leases to deposits | 98.1914% | 666 |
| Net loans and leases to core deposits | 118.6269% | 439 |
| Total domestic deposits to total assets | 82.4485% | 4,368 |
| Equity capital to assets | 12.5853% | 1,638 |
| Core capital (leverage) ratio | 12.9649% | 1,167 |
| Tier 1 risk-based capital ratio | 15.9771% | 2,934 |
| Total risk-based capital ratio | 17.2145% | 2,875 |
| Memoranda: | ||
| Average total assets | $595,314,000 | 1,162 |
| Average earning assets | $551,129,500 | 1,144 |
| Average equity | $74,781,500 | 1,028 |
| Average total loans | $492,394,500 | 956 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 410 |
| Cost of funding earning assets | 0.5963% | 1,788 |
| Net interest margin | 4.7588% | 470 |
| Noninterest income to average assets | 1.7821% | 408 |
| Noninterest expense to average assets | 2.6386% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.2312% | 212 |
| Return on assets (ROA) | 2.2323% | 214 |
| Pretax return on assets | 3.5414% | 79 |
| Return on Equity (ROE) | 18.5940% | 348 |
| Retained earnings to average equity (ytd only) | 15.6733% | 131 |
| Net charge-offs to loans | 0.3340% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.0633% | 2,311 |
| Efficiency ratio | 42.5453% | 6,357 |
| Assets per employee ($millions) | 6.4056% | 1,112 |
| Cash dividends to net income (ytd only)* | 15.7078% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 3,831 |
| Loan loss allowance to noncurrent loans | 1,236.7769% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 4,287 |
| Noncurrent loans to loans | 0.0994% | 5,498 |
| Net loans and leases to total assets | 82.5069% | 472 |
| Net loans and leases to deposits | 102.9987% | 475 |
| Net loans and leases to core deposits | 120.7812% | 396 |
| Total domestic deposits to total assets | 80.1048% | 4,992 |
| Equity capital to assets | 12.5371% | 1,624 |
| Core capital (leverage) ratio | 12.7306% | 1,239 |
| Tier 1 risk-based capital ratio | 15.6222% | 3,179 |
| Total risk-based capital ratio | 16.8727% | 3,106 |
| Memoranda: | ||
| Average total assets | $559,838,400 | 1,186 |
| Average earning assets | $517,191,400 | 1,186 |
| Average equity | $67,210,000 | 1,100 |
| Average total loans | $454,241,600 | 972 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 430 |
| Cost of funding earning assets | 0.6025% | 1,803 |
| Net interest margin | 4.7176% | 487 |
| Noninterest income to average assets | 1.8608% | 391 |
| Noninterest expense to average assets | 2.5977% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2430% | 218 |
| Return on assets (ROA) | 2.2444% | 224 |
| Pretax return on assets | 3.6199% | 80 |
| Return on Equity (ROE) | 18.9158% | 360 |
| Retained earnings to average equity (ytd only) | 16.0947% | 164 |
| Net charge-offs to loans | 0.4552% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.8713% | 2,613 |
| Efficiency ratio | 41.6315% | 6,424 |
| Assets per employee ($millions) | 6.3968% | 1,085 |
| Cash dividends to net income (ytd only)* | 14.9137% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 3,630 |
| Loan loss allowance to noncurrent loans | 848.2270% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 3,850 |
| Noncurrent loans to loans | 0.1536% | 5,446 |
| Net loans and leases to total assets | 79.5819% | 758 |
| Net loans and leases to deposits | 94.5149% | 991 |
| Net loans and leases to core deposits | 109.9593% | 746 |
| Total domestic deposits to total assets | 84.2004% | 3,687 |
| Equity capital to assets | 12.3172% | 1,815 |
| Core capital (leverage) ratio | 12.1198% | 1,622 |
| Tier 1 risk-based capital ratio | 15.7273% | 3,198 |
| Total risk-based capital ratio | 16.9785% | 3,136 |
| Memoranda: | ||
| Average total assets | $554,070,750 | 1,211 |
| Average earning assets | $511,430,000 | 1,205 |
| Average equity | $65,742,500 | 1,124 |
| Average total loans | $446,070,500 | 994 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 558 |
| Cost of funding earning assets | 0.5953% | 1,938 |
| Net interest margin | 4.5517% | 637 |
| Noninterest income to average assets | 1.9425% | 362 |
| Noninterest expense to average assets | 2.5195% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2468% | 207 |
| Return on assets (ROA) | 2.2489% | 217 |
| Pretax return on assets | 3.6267% | 81 |
| Return on Equity (ROE) | 19.2060% | 346 |
| Retained earnings to average equity (ytd only) | 16.5116% | 156 |
| Net charge-offs to loans | 0.3867% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.6464% | 2,138 |
| Efficiency ratio | 40.8492% | 6,507 |
| Assets per employee ($millions) | 6.9176% | 830 |
| Cash dividends to net income (ytd only)* | 14.0288% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 2,998 |
| Loan loss allowance to noncurrent loans | 307.1132% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 2,969 |
| Noncurrent loans to loans | 0.4814% | 4,554 |
| Net loans and leases to total assets | 76.2485% | 1,133 |
| Net loans and leases to deposits | 90.4751% | 1,325 |
| Net loans and leases to core deposits | 105.2862% | 942 |
| Total domestic deposits to total assets | 84.2757% | 3,823 |
| Equity capital to assets | 11.5352% | 2,388 |
| Core capital (leverage) ratio | 11.8061% | 1,782 |
| Tier 1 risk-based capital ratio | 15.2626% | 3,488 |
| Total risk-based capital ratio | 16.5159% | 3,437 |
| Memoranda: | ||
| Average total assets | $548,988,330 | 1,220 |
| Average earning assets | $506,626,330 | 1,215 |
| Average equity | $64,282,000 | 1,142 |
| Average total loans | $441,742,670 | 999 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 582 |
| Cost of funding earning assets | 0.5755% | 2,194 |
| Net interest margin | 4.5371% | 615 |
| Noninterest income to average assets | 2.2291% | 278 |
| Noninterest expense to average assets | 2.5151% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.4243% | 164 |
| Return on assets (ROA) | 2.4258% | 174 |
| Pretax return on assets | 3.9118% | 90 |
| Return on Equity (ROE) | 20.5503% | 260 |
| Retained earnings to average equity (ytd only) | 18.3122% | 168 |
| Net charge-offs to loans | 0.7712% | 449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.1718% | 2,263 |
| Efficiency ratio | 38.9836% | 6,608 |
| Assets per employee ($millions) | 6.5592% | 992 |
| Cash dividends to net income (ytd only)* | 10.8911% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,130 |
| Loan loss allowance to noncurrent loans | 1,037.2274% | 498 |
| Noncurrent assets plus other real estate owned to assets | 1.1175% | 3,023 |
| Noncurrent loans to loans | 0.1450% | 5,657 |
| Net loans and leases to total assets | 79.1301% | 645 |
| Net loans and leases to deposits | 96.8582% | 603 |
| Net loans and leases to core deposits | 113.6371% | 474 |
| Total domestic deposits to total assets | 81.6968% | 5,028 |
| Equity capital to assets | 11.7109% | 2,098 |
| Core capital (leverage) ratio | 12.1017% | 1,599 |
| Tier 1 risk-based capital ratio | 14.7113% | 3,878 |
| Total risk-based capital ratio | 15.9647% | 3,832 |
| Memoranda: | ||
| Average total assets | $532,945,000 | 1,271 |
| Average earning assets | $492,827,500 | 1,258 |
| Average equity | $62,909,000 | 1,164 |
| Average total loans | $437,759,000 | 1,010 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2753% | 560 |
| Cost of funding earning assets | 0.6042% | 2,624 |
| Net interest margin | 4.6711% | 536 |
| Noninterest income to average assets | 1.9200% | 417 |
| Noninterest expense to average assets | 2.6495% | 4,282 |
| Loan and lease loss provision to assets | 0.3419% | 934 |
| Net operating income to assets | 2.0357% | 318 |
| Return on assets (ROA) | 2.0765% | 300 |
| Pretax return on assets | 3.3420% | 92 |
| Return on Equity (ROE) | 17.5858% | 445 |
| Retained earnings to average equity (ytd only) | 16.7893% | 129 |
| Net charge-offs to loans | 0.1627% | 3,185 |
| Credit loss provision to net charge-offs | 263.9370% | 860 |
| Earnings coverage of net charge-offs (x) | 27.9480% | 1,250 |
| Efficiency ratio | 42.0758% | 6,652 |
| Assets per employee ($millions) | 6.2794% | 1,098 |
| Cash dividends to net income (ytd only)* | 4.5289% | 4,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 2,290 |
| Loan loss allowance to noncurrent loans | 252.6263% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 3,019 |
| Noncurrent loans to loans | 0.6861% | 4,257 |
| Net loans and leases to total assets | 82.6095% | 360 |
| Net loans and leases to deposits | 102.8433% | 364 |
| Net loans and leases to core deposits | 118.3271% | 365 |
| Total domestic deposits to total assets | 80.3256% | 5,368 |
| Equity capital to assets | 11.9037% | 1,862 |
| Core capital (leverage) ratio | 12.0665% | 1,558 |
| Tier 1 risk-based capital ratio | 14.2586% | 4,113 |
| Total risk-based capital ratio | 15.5148% | 4,049 |
| Memoranda: | ||
| Average total assets | $490,209,800 | 1,355 |
| Average earning assets | $456,483,000 | 1,330 |
| Average equity | $57,882,000 | 1,246 |
| Average total loans | $390,292,600 | 1,093 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 627 |
| Cost of funding earning assets | 0.6109% | 2,728 |
| Net interest margin | 4.5994% | 620 |
| Noninterest income to average assets | 1.8142% | 477 |
| Noninterest expense to average assets | 2.6053% | 4,375 |
| Loan and lease loss provision to assets | 0.2413% | 1,491 |
| Net operating income to assets | 2.0164% | 356 |
| Return on assets (ROA) | 2.0714% | 329 |
| Pretax return on assets | 3.3405% | 105 |
| Return on Equity (ROE) | 17.5813% | 479 |
| Retained earnings to average equity (ytd only) | 17.3989% | 122 |
| Net charge-offs to loans | 0.1320% | 3,218 |
| Credit loss provision to net charge-offs | 232.9787% | 1,041 |
| Earnings coverage of net charge-offs (x) | 33.7527% | 1,137 |
| Efficiency ratio | 42.5121% | 6,693 |
| Assets per employee ($millions) | 6.1195% | 1,159 |
| Cash dividends to net income (ytd only)* | 1.0373% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 2,639 |
| Loan loss allowance to noncurrent loans | 164.1594% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3621% | 2,919 |
| Noncurrent loans to loans | 1.0320% | 3,737 |
| Net loans and leases to total assets | 80.5077% | 495 |
| Net loans and leases to deposits | 98.2602% | 554 |
| Net loans and leases to core deposits | 112.4485% | 492 |
| Total domestic deposits to total assets | 81.9332% | 4,954 |
| Equity capital to assets | 11.7378% | 2,099 |
| Core capital (leverage) ratio | 11.9797% | 1,685 |
| Tier 1 risk-based capital ratio | 13.9939% | 4,435 |
| Total risk-based capital ratio | 15.2490% | 4,385 |
| Memoranda: | ||
| Average total assets | $484,033,750 | 1,377 |
| Average earning assets | $451,151,000 | 1,358 |
| Average equity | $57,029,000 | 1,267 |
| Average total loans | $379,648,000 | 1,128 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 869 |
| Cost of funding earning assets | 0.6203% | 2,769 |
| Net interest margin | 4.4101% | 829 |
| Noninterest income to average assets | 1.9564% | 459 |
| Noninterest expense to average assets | 2.5739% | 4,476 |
| Loan and lease loss provision to assets | 0.3664% | 899 |
| Net operating income to assets | 1.9458% | 389 |
| Return on assets (ROA) | 2.0250% | 365 |
| Pretax return on assets | 3.2649% | 123 |
| Return on Equity (ROE) | 17.1650% | 540 |
| Retained earnings to average equity (ytd only) | 16.8885% | 162 |
| Net charge-offs to loans | 0.1365% | 3,012 |
| Credit loss provision to net charge-offs | 347.6190% | 753 |
| Earnings coverage of net charge-offs (x) | 33.2738% | 1,064 |
| Efficiency ratio | 42.1310% | 6,750 |
| Assets per employee ($millions) | 5.9682% | 1,220 |
| Cash dividends to net income (ytd only)* | 1.6112% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,303 |
| Loan loss allowance to noncurrent loans | 173.2942% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.5738% | 2,747 |
| Noncurrent loans to loans | 1.0603% | 3,809 |
| Net loans and leases to total assets | 80.2876% | 511 |
| Net loans and leases to deposits | 98.8071% | 496 |
| Net loans and leases to core deposits | 113.0262% | 462 |
| Total domestic deposits to total assets | 81.2569% | 5,276 |
| Equity capital to assets | 11.9240% | 1,965 |
| Core capital (leverage) ratio | 11.8917% | 1,676 |
| Tier 1 risk-based capital ratio | 13.9830% | 4,438 |
| Total risk-based capital ratio | 15.2395% | 4,394 |
| Memoranda: | ||
| Average total assets | $478,112,000 | 1,397 |
| Average earning assets | $447,204,330 | 1,370 |
| Average equity | $56,405,330 | 1,279 |
| Average total loans | $369,214,330 | 1,148 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 1,151 |
| Cost of funding earning assets | 0.6327% | 2,817 |
| Net interest margin | 4.2381% | 1,105 |
| Noninterest income to average assets | 2.4801% | 325 |
| Noninterest expense to average assets | 2.5042% | 4,734 |
| Loan and lease loss provision to assets | 0.3074% | 1,111 |
| Net operating income to assets | 2.2648% | 210 |
| Return on assets (ROA) | 2.3738% | 198 |
| Pretax return on assets | 3.8236% | 92 |
| Return on Equity (ROE) | 20.2273% | 277 |
| Retained earnings to average equity (ytd only) | 19.9724% | 143 |
| Net charge-offs to loans | 0.1651% | 2,408 |
| Credit loss provision to net charge-offs | 248.3221% | 932 |
| Earnings coverage of net charge-offs (x) | 31.9933% | 933 |
| Efficiency ratio | 38.5555% | 6,892 |
| Assets per employee ($millions) | 6.4735% | 995 |
| Cash dividends to net income (ytd only)* | 1.2601% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 2,472 |
| Loan loss allowance to noncurrent loans | 263.7332% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5544% | 2,933 |
| Noncurrent loans to loans | 0.6982% | 4,731 |
| Net loans and leases to total assets | 71.4657% | 1,440 |
| Net loans and leases to deposits | 88.2601% | 1,120 |
| Net loans and leases to core deposits | 100.3095% | 929 |
| Total domestic deposits to total assets | 80.9717% | 5,506 |
| Equity capital to assets | 11.5846% | 2,346 |
| Core capital (leverage) ratio | 12.3047% | 1,422 |
| Tier 1 risk-based capital ratio | 14.9622% | 3,865 |
| Total risk-based capital ratio | 16.2187% | 3,821 |
| Memoranda: | ||
| Average total assets | $481,425,500 | 1,394 |
| Average earning assets | $452,658,500 | 1,361 |
| Average equity | $56,498,000 | 1,291 |
| Average total loans | $361,006,500 | 1,187 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 996 |
| Cost of funding earning assets | 0.8713% | 2,130 |
| Net interest margin | 4.3906% | 1,179 |
| Noninterest income to average assets | 2.6914% | 288 |
| Noninterest expense to average assets | 3.0085% | 3,240 |
| Loan and lease loss provision to assets | 0.4286% | 1,490 |
| Net operating income to assets | 2.0856% | 307 |
| Return on assets (ROA) | 2.1295% | 317 |
| Pretax return on assets | 3.4406% | 101 |
| Return on Equity (ROE) | 17.3596% | 505 |
| Retained earnings to average equity (ytd only) | 13.3954% | 230 |
| Net charge-offs to loans | 0.5656% | 2,036 |
| Credit loss provision to net charge-offs | 98.5816% | 3,147 |
| Earnings coverage of net charge-offs (x) | 8.7416% | 2,364 |
| Efficiency ratio | 44.0322% | 6,848 |
| Assets per employee ($millions) | 6.2755% | 1,121 |
| Cash dividends to net income (ytd only)* | 22.8359% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 2,582 |
| Loan loss allowance to noncurrent loans | 736.8301% | 591 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 3,605 |
| Noncurrent loans to loans | 0.2442% | 5,870 |
| Net loans and leases to total assets | 75.9361% | 920 |
| Net loans and leases to deposits | 94.9437% | 685 |
| Net loans and leases to core deposits | 111.6028% | 484 |
| Total domestic deposits to total assets | 79.9801% | 5,670 |
| Equity capital to assets | 11.8976% | 2,115 |
| Core capital (leverage) ratio | 11.5686% | 1,829 |
| Tier 1 risk-based capital ratio | 14.3538% | 4,121 |
| Total risk-based capital ratio | 15.6097% | 4,081 |
| Memoranda: | ||
| Average total assets | $454,042,200 | 1,449 |
| Average earning assets | $425,821,600 | 1,419 |
| Average equity | $55,698,400 | 1,280 |
| Average total loans | $349,008,800 | 1,201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 1,142 |
| Cost of funding earning assets | 0.9166% | 2,061 |
| Net interest margin | 4.3101% | 1,438 |
| Noninterest income to average assets | 3.1382% | 233 |
| Noninterest expense to average assets | 3.0842% | 2,929 |
| Loan and lease loss provision to assets | 0.5747% | 999 |
| Net operating income to assets | 2.1856% | 290 |
| Return on assets (ROA) | 2.2445% | 292 |
| Pretax return on assets | 3.6196% | 95 |
| Return on Equity (ROE) | 18.1563% | 485 |
| Retained earnings to average equity (ytd only) | 17.4038% | 138 |
| Net charge-offs to loans | 0.7304% | 1,515 |
| Credit loss provision to net charge-offs | 102.5290% | 2,874 |
| Earnings coverage of net charge-offs (x) | 7.3182% | 2,620 |
| Efficiency ratio | 42.7814% | 6,937 |
| Assets per employee ($millions) | 6.1595% | 1,151 |
| Cash dividends to net income (ytd only)* | 4.1447% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,714 |
| Loan loss allowance to noncurrent loans | 1,388.1104% | 341 |
| Noncurrent assets plus other real estate owned to assets | 1.3567% | 3,589 |
| Noncurrent loans to loans | 0.1315% | 6,272 |
| Net loans and leases to total assets | 77.1480% | 836 |
| Net loans and leases to deposits | 97.4920% | 571 |
| Net loans and leases to core deposits | 115.8198% | 390 |
| Total domestic deposits to total assets | 79.1326% | 5,837 |
| Equity capital to assets | 13.1655% | 1,511 |
| Core capital (leverage) ratio | 12.6133% | 1,359 |
| Tier 1 risk-based capital ratio | 16.1036% | 3,216 |
| Total risk-based capital ratio | 17.3605% | 3,184 |
| Memoranda: | ||
| Average total assets | $451,455,750 | 1,472 |
| Average earning assets | $424,016,000 | 1,439 |
| Average equity | $55,810,250 | 1,282 |
| Average total loans | $346,486,000 | 1,224 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 1,774 |
| Cost of funding earning assets | 0.9640% | 1,971 |
| Net interest margin | 4.0420% | 2,329 |
| Noninterest income to average assets | 2.6849% | 274 |
| Noninterest expense to average assets | 2.5240% | 5,058 |
| Loan and lease loss provision to assets | 0.7760% | 660 |
| Net operating income to assets | 1.9723% | 410 |
| Return on assets (ROA) | 1.9840% | 460 |
| Pretax return on assets | 3.1991% | 130 |
| Return on Equity (ROE) | 16.4085% | 709 |
| Retained earnings to average equity (ytd only) | 15.6366% | 247 |
| Net charge-offs to loans | 0.9352% | 1,181 |
| Credit loss provision to net charge-offs | 108.9888% | 2,500 |
| Earnings coverage of net charge-offs (x) | 5.5574% | 2,809 |
| Efficiency ratio | 38.8150% | 7,083 |
| Assets per employee ($millions) | 6.4823% | 967 |
| Cash dividends to net income (ytd only)* | 4.7043% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 2,967 |
| Loan loss allowance to noncurrent loans | 312.0414% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 1.8938% | 2,914 |
| Noncurrent loans to loans | 0.5659% | 5,375 |
| Net loans and leases to total assets | 79.0767% | 609 |
| Net loans and leases to deposits | 99.9063% | 422 |
| Net loans and leases to core deposits | 117.7715% | 351 |
| Total domestic deposits to total assets | 79.1508% | 5,933 |
| Equity capital to assets | 12.1976% | 2,005 |
| Core capital (leverage) ratio | 11.6407% | 1,819 |
| Tier 1 risk-based capital ratio | 14.8903% | 3,838 |
| Total risk-based capital ratio | 16.1469% | 3,785 |
| Memoranda: | ||
| Average total assets | $450,005,670 | 1,481 |
| Average earning assets | $422,608,330 | 1,446 |
| Average equity | $54,410,670 | 1,307 |
| Average total loans | $342,587,000 | 1,239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 3,928 |
| Cost of funding earning assets | 0.9905% | 2,032 |
| Net interest margin | 3.5050% | 4,669 |
| Noninterest income to average assets | 2.6410% | 281 |
| Noninterest expense to average assets | 2.3566% | 5,608 |
| Loan and lease loss provision to assets | 0.5507% | 1,069 |
| Net operating income to assets | 1.8775% | 513 |
| Return on assets (ROA) | 1.8775% | 589 |
| Pretax return on assets | 3.0250% | 181 |
| Return on Equity (ROE) | 15.6007% | 866 |
| Retained earnings to average equity (ytd only) | 14.8105% | 469 |
| Net charge-offs to loans | 1.7115% | 563 |
| Credit loss provision to net charge-offs | 43.5842% | 3,384 |
| Earnings coverage of net charge-offs (x) | 2.8301% | 3,051 |
| Efficiency ratio | 39.6489% | 7,112 |
| Assets per employee ($millions) | 6.5158% | 971 |
| Cash dividends to net income (ytd only)* | 5.0651% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 3,455 |
| Loan loss allowance to noncurrent loans | 164.9437% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 3,302 |
| Noncurrent loans to loans | 1.0140% | 4,652 |
| Net loans and leases to total assets | 67.8123% | 2,146 |
| Net loans and leases to deposits | 82.6356% | 1,841 |
| Net loans and leases to core deposits | 95.5072% | 1,331 |
| Total domestic deposits to total assets | 82.0619% | 5,276 |
| Equity capital to assets | 10.9101% | 3,017 |
| Core capital (leverage) ratio | 12.5256% | 1,330 |
| Tier 1 risk-based capital ratio | 15.2685% | 3,574 |
| Total risk-based capital ratio | 16.5233% | 3,534 |
| Memoranda: | ||
| Average total assets | $441,646,500 | 1,509 |
| Average earning assets | $414,721,000 | 1,472 |
| Average equity | $53,151,500 | 1,334 |
| Average total loans | $326,028,500 | 1,302 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 3,573 |
| Cost of funding earning assets | 1.2398% | 1,786 |
| Net interest margin | 3.6130% | 4,679 |
| Noninterest income to average assets | 2.3621% | 292 |
| Noninterest expense to average assets | 2.7460% | 4,573 |
| Loan and lease loss provision to assets | 0.8647% | 1,119 |
| Net operating income to assets | 1.3080% | 1,227 |
| Return on assets (ROA) | 1.3127% | 1,318 |
| Pretax return on assets | 2.1366% | 419 |
| Return on Equity (ROE) | 10.1033% | 2,027 |
| Retained earnings to average equity (ytd only) | 9.2575% | 735 |
| Net charge-offs to loans | 0.9725% | 1,772 |
| Credit loss provision to net charge-offs | 109.3285% | 3,070 |
| Earnings coverage of net charge-offs (x) | 3.7853% | 3,389 |
| Efficiency ratio | 47.8394% | 6,958 |
| Assets per employee ($millions) | 7.1869% | 662 |
| Cash dividends to net income (ytd only)* | 8.3715% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 2,033 |
| Loan loss allowance to noncurrent loans | 223.3735% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 2.6468% | 2,300 |
| Noncurrent loans to loans | 0.9355% | 4,828 |
| Net loans and leases to total assets | 78.3445% | 672 |
| Net loans and leases to deposits | 100.5403% | 432 |
| Net loans and leases to core deposits | 125.9483% | 278 |
| Total domestic deposits to total assets | 77.9235% | 6,207 |
| Equity capital to assets | 13.4700% | 1,280 |
| Core capital (leverage) ratio | 13.2879% | 1,045 |
| Tier 1 risk-based capital ratio | 16.0242% | 3,033 |
| Total risk-based capital ratio | 17.2837% | 2,982 |
| Memoranda: | ||
| Average total assets | $382,197,800 | 1,693 |
| Average earning assets | $357,324,800 | 1,658 |
| Average equity | $49,656,800 | 1,374 |
| Average total loans | $310,844,400 | 1,365 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 3,657 |
| Cost of funding earning assets | 1.2454% | 2,023 |
| Net interest margin | 3.6302% | 4,656 |
| Noninterest income to average assets | 2.1474% | 346 |
| Noninterest expense to average assets | 2.4297% | 5,693 |
| Loan and lease loss provision to assets | 0.8422% | 1,089 |
| Net operating income to assets | 1.4033% | 1,141 |
| Return on assets (ROA) | 1.4096% | 1,211 |
| Pretax return on assets | 2.2774% | 371 |
| Return on Equity (ROE) | 10.9517% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.0946% | 823 |
| Net charge-offs to loans | 1.1248% | 1,411 |
| Credit loss provision to net charge-offs | 91.6889% | 3,719 |
| Earnings coverage of net charge-offs (x) | 3.3854% | 3,460 |
| Efficiency ratio | 43.8614% | 7,149 |
| Assets per employee ($millions) | 7.2036% | 668 |
| Cash dividends to net income (ytd only)* | 7.8261% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 2,573 |
| Loan loss allowance to noncurrent loans | 156.5604% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 2.5255% | 2,556 |
| Noncurrent loans to loans | 1.2237% | 4,498 |
| Net loans and leases to total assets | 78.8359% | 623 |
| Net loans and leases to deposits | 101.0698% | 424 |
| Net loans and leases to core deposits | 128.3641% | 262 |
| Total domestic deposits to total assets | 78.0015% | 6,194 |
| Equity capital to assets | 13.1963% | 1,520 |
| Core capital (leverage) ratio | 13.1011% | 1,188 |
| Tier 1 risk-based capital ratio | 15.8431% | 3,195 |
| Total risk-based capital ratio | 17.1008% | 3,152 |
| Memoranda: | ||
| Average total assets | $380,724,500 | 1,709 |
| Average earning assets | $355,742,500 | 1,668 |
| Average equity | $49,002,000 | 1,396 |
| Average total loans | $310,921,250 | 1,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 3,722 |
| Cost of funding earning assets | 1.2616% | 2,174 |
| Net interest margin | 3.6159% | 4,660 |
| Noninterest income to average assets | 1.7266% | 451 |
| Noninterest expense to average assets | 2.3674% | 5,938 |
| Loan and lease loss provision to assets | 0.5556% | 1,740 |
| Net operating income to assets | 1.3572% | 1,180 |
| Return on assets (ROA) | 1.3599% | 1,238 |
| Pretax return on assets | 2.1854% | 419 |
| Return on Equity (ROE) | 10.6584% | 1,910 |
| Retained earnings to average equity (ytd only) | 9.7916% | 899 |
| Net charge-offs to loans | 0.2088% | 3,896 |
| Credit loss provision to net charge-offs | 324.0741% | 936 |
| Earnings coverage of net charge-offs (x) | 15.9630% | 1,374 |
| Efficiency ratio | 46.3819% | 7,141 |
| Assets per employee ($millions) | 7.2165% | 652 |
| Cash dividends to net income (ytd only)* | 8.1323% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1963% | 1,924 |
| Loan loss allowance to noncurrent loans | 138.5138% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 2.8593% | 2,348 |
| Noncurrent loans to loans | 1.5856% | 4,019 |
| Net loans and leases to total assets | 80.7325% | 471 |
| Net loans and leases to deposits | 101.4112% | 431 |
| Net loans and leases to core deposits | 121.1824% | 391 |
| Total domestic deposits to total assets | 79.6090% | 5,925 |
| Equity capital to assets | 12.9486% | 1,543 |
| Core capital (leverage) ratio | 13.0586% | 1,136 |
| Tier 1 risk-based capital ratio | 15.6031% | 3,180 |
| Total risk-based capital ratio | 16.8649% | 3,134 |
| Memoranda: | ||
| Average total assets | $377,968,000 | 1,733 |
| Average earning assets | $353,051,670 | 1,696 |
| Average equity | $48,225,000 | 1,400 |
| Average total loans | $310,342,670 | 1,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 3,668 |
| Cost of funding earning assets | 1.2852% | 2,272 |
| Net interest margin | 3.5990% | 4,571 |
| Noninterest income to average assets | 2.0707% | 344 |
| Noninterest expense to average assets | 2.3901% | 5,911 |
| Loan and lease loss provision to assets | 0.6388% | 1,348 |
| Net operating income to assets | 1.4916% | 891 |
| Return on assets (ROA) | 1.4916% | 936 |
| Pretax return on assets | 2.4018% | 285 |
| Return on Equity (ROE) | 11.7793% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.8965% | 917 |
| Net charge-offs to loans | 0.1794% | 3,415 |
| Credit loss provision to net charge-offs | 434.7826% | 798 |
| Earnings coverage of net charge-offs (x) | 20.6957% | 1,103 |
| Efficiency ratio | 44.0110% | 7,278 |
| Assets per employee ($millions) | 7.8285% | 502 |
| Cash dividends to net income (ytd only)* | 7.4946% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1300% | 2,117 |
| Loan loss allowance to noncurrent loans | 132.2363% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 3.2709% | 2,098 |
| Noncurrent loans to loans | 1.6108% | 4,069 |
| Net loans and leases to total assets | 79.8941% | 518 |
| Net loans and leases to deposits | 98.5780% | 542 |
| Net loans and leases to core deposits | 116.9607% | 500 |
| Total domestic deposits to total assets | 81.0466% | 5,641 |
| Equity capital to assets | 12.5483% | 1,598 |
| Core capital (leverage) ratio | 12.9041% | 1,156 |
| Tier 1 risk-based capital ratio | 15.2094% | 3,311 |
| Total risk-based capital ratio | 16.4700% | 3,264 |
| Memoranda: | ||
| Average total assets | $375,715,500 | 1,748 |
| Average earning assets | $350,759,500 | 1,714 |
| Average equity | $47,575,000 | 1,410 |
| Average total loans | $307,657,000 | 1,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 4,028 |
| Cost of funding earning assets | 1.4558% | 2,922 |
| Net interest margin | 3.6600% | 4,531 |
| Noninterest income to average assets | 1.7158% | 508 |
| Noninterest expense to average assets | 2.5430% | 5,641 |
| Loan and lease loss provision to assets | 0.9641% | 1,682 |
| Net operating income to assets | 1.0506% | 1,874 |
| Return on assets (ROA) | 1.1153% | 1,742 |
| Pretax return on assets | 1.7436% | 866 |
| Return on Equity (ROE) | 8.6644% | 2,436 |
| Retained earnings to average equity (ytd only) | 7.7391% | 1,063 |
| Net charge-offs to loans | 0.7700% | 2,717 |
| Credit loss provision to net charge-offs | 148.3421% | 2,458 |
| Earnings coverage of net charge-offs (x) | 4.0109% | 3,105 |
| Efficiency ratio | 49.3805% | 7,177 |
| Assets per employee ($millions) | 7.6632% | 553 |
| Cash dividends to net income (ytd only)* | 10.6789% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 2,167 |
| Loan loss allowance to noncurrent loans | 118.0004% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 3.4701% | 2,004 |
| Noncurrent loans to loans | 1.7411% | 3,895 |
| Net loans and leases to total assets | 80.4615% | 602 |
| Net loans and leases to deposits | 99.5868% | 604 |
| Net loans and leases to core deposits | 126.6552% | 380 |
| Total domestic deposits to total assets | 80.7954% | 5,590 |
| Equity capital to assets | 12.7816% | 1,492 |
| Core capital (leverage) ratio | 13.0186% | 1,124 |
| Tier 1 risk-based capital ratio | 14.9831% | 3,260 |
| Total risk-based capital ratio | 16.2419% | 3,207 |
| Memoranda: | ||
| Average total assets | $352,656,000 | 1,853 |
| Average earning assets | $330,878,600 | 1,802 |
| Average equity | $45,392,800 | 1,473 |
| Average total loans | $297,663,800 | 1,505 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 3,817 |
| Cost of funding earning assets | 1.4900% | 3,041 |
| Net interest margin | 3.7124% | 4,342 |
| Noninterest income to average assets | 1.4355% | 656 |
| Noninterest expense to average assets | 2.3371% | 6,212 |
| Loan and lease loss provision to assets | 0.7262% | 2,104 |
| Net operating income to assets | 1.1140% | 1,842 |
| Return on assets (ROA) | 1.1695% | 1,771 |
| Pretax return on assets | 1.9480% | 708 |
| Return on Equity (ROE) | 9.0690% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.1354% | 1,377 |
| Net charge-offs to loans | 0.6690% | 2,754 |
| Credit loss provision to net charge-offs | 127.6882% | 3,188 |
| Earnings coverage of net charge-offs (x) | 4.5497% | 3,005 |
| Efficiency ratio | 47.4583% | 7,302 |
| Assets per employee ($millions) | 7.7989% | 547 |
| Cash dividends to net income (ytd only)* | 10.2941% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7561% | 2,953 |
| Loan loss allowance to noncurrent loans | 65.9409% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.1198% | 2,318 |
| Noncurrent loans to loans | 2.6631% | 2,969 |
| Net loans and leases to total assets | 82.3760% | 452 |
| Net loans and leases to deposits | 102.8781% | 485 |
| Net loans and leases to core deposits | 132.4036% | 344 |
| Total domestic deposits to total assets | 80.0714% | 5,683 |
| Equity capital to assets | 12.4307% | 1,890 |
| Core capital (leverage) ratio | 12.9669% | 1,245 |
| Tier 1 risk-based capital ratio | 14.0841% | 3,773 |
| Total risk-based capital ratio | 15.3395% | 3,741 |
| Memoranda: | ||
| Average total assets | $348,861,750 | 1,901 |
| Average earning assets | $327,865,500 | 1,843 |
| Average equity | $44,987,250 | 1,492 |
| Average total loans | $296,536,750 | 1,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3043% | 3,452 |
| Cost of funding earning assets | 1.5307% | 3,068 |
| Net interest margin | 3.7736% | 4,029 |
| Noninterest income to average assets | 1.3756% | 661 |
| Noninterest expense to average assets | 2.3727% | 6,139 |
| Loan and lease loss provision to assets | 0.5582% | 2,538 |
| Net operating income to assets | 1.1789% | 1,615 |
| Return on assets (ROA) | 1.2199% | 1,567 |
| Pretax return on assets | 2.0519% | 548 |
| Return on Equity (ROE) | 9.3363% | 2,337 |
| Retained earnings to average equity (ytd only) | 8.3919% | 1,298 |
| Net charge-offs to loans | 0.7587% | 2,342 |
| Credit loss provision to net charge-offs | 86.1287% | 4,544 |
| Earnings coverage of net charge-offs (x) | 3.9284% | 3,119 |
| Efficiency ratio | 48.2380% | 7,334 |
| Assets per employee ($millions) | 7.9353% | 518 |
| Cash dividends to net income (ytd only)* | 10.1156% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 3,182 |
| Loan loss allowance to noncurrent loans | 156.5506% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.6167% | 4,020 |
| Noncurrent loans to loans | 1.0672% | 5,181 |
| Net loans and leases to total assets | 81.5359% | 590 |
| Net loans and leases to deposits | 100.3806% | 691 |
| Net loans and leases to core deposits | 128.6789% | 441 |
| Total domestic deposits to total assets | 81.2267% | 5,324 |
| Equity capital to assets | 12.7431% | 1,672 |
| Core capital (leverage) ratio | 13.4606% | 1,070 |
| Tier 1 risk-based capital ratio | 14.3881% | 3,500 |
| Total risk-based capital ratio | 15.6419% | 3,470 |
| Memoranda: | ||
| Average total assets | $340,366,670 | 1,962 |
| Average earning assets | $319,592,000 | 1,901 |
| Average equity | $44,471,670 | 1,499 |
| Average total loans | $290,754,330 | 1,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 2,802 |
| Cost of funding earning assets | 1.5936% | 3,002 |
| Net interest margin | 3.8621% | 3,501 |
| Noninterest income to average assets | 0.5578% | 3,587 |
| Noninterest expense to average assets | 2.4710% | 5,838 |
| Loan and lease loss provision to assets | 0.4217% | 2,846 |
| Net operating income to assets | 0.7724% | 3,089 |
| Return on assets (ROA) | 0.7855% | 3,149 |
| Pretax return on assets | 1.3120% | 2,018 |
| Return on Equity (ROE) | 5.9333% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.9778% | 3,166 |
| Net charge-offs to loans | 1.3482% | 1,277 |
| Credit loss provision to net charge-offs | 36.0453% | 4,717 |
| Earnings coverage of net charge-offs (x) | 1.4645% | 3,862 |
| Efficiency ratio | 59.0556% | 6,331 |
| Assets per employee ($millions) | 7.5498% | 634 |
| Cash dividends to net income (ytd only)* | 16.1043% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,584 |
| Loan loss allowance to noncurrent loans | 89.7415% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.4904% | 2,916 |
| Noncurrent loans to loans | 1.7471% | 4,129 |
| Net loans and leases to total assets | 82.7664% | 497 |
| Net loans and leases to deposits | 106.7045% | 395 |
| Net loans and leases to core deposits | 136.1617% | 380 |
| Total domestic deposits to total assets | 77.5660% | 6,436 |
| Equity capital to assets | 13.0092% | 1,523 |
| Core capital (leverage) ratio | 13.3150% | 1,124 |
| Tier 1 risk-based capital ratio | 14.1988% | 3,533 |
| Total risk-based capital ratio | 15.4513% | 3,507 |
| Memoranda: | ||
| Average total assets | $332,006,500 | 2,054 |
| Average earning assets | $311,746,500 | 2,003 |
| Average equity | $43,955,500 | 1,528 |
| Average total loans | $288,081,000 | 1,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8563% | 2,416 |
| Cost of funding earning assets | 2.3692% | 1,393 |
| Net interest margin | 3.4871% | 5,013 |
| Noninterest income to average assets | 0.8539% | 2,164 |
| Noninterest expense to average assets | 2.2608% | 6,843 |
| Loan and lease loss provision to assets | 0.8861% | 2,530 |
| Net operating income to assets | 0.6274% | 3,228 |
| Return on assets (ROA) | 0.7182% | 2,934 |
| Pretax return on assets | 1.1204% | 2,186 |
| Return on Equity (ROE) | 5.3333% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.5233% | 2,086 |
| Net charge-offs to loans | 0.3574% | 4,441 |
| Credit loss provision to net charge-offs | 280.0623% | 1,214 |
| Earnings coverage of net charge-offs (x) | 5.8930% | 2,475 |
| Efficiency ratio | 54.8025% | 7,153 |
| Assets per employee ($millions) | 7.5412% | 628 |
| Cash dividends to net income (ytd only)* | 15.1876% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,686 |
| Loan loss allowance to noncurrent loans | 102.0408% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 3,490 |
| Noncurrent loans to loans | 1.7205% | 4,057 |
| Net loans and leases to total assets | 88.0100% | 172 |
| Net loans and leases to deposits | 113.2226% | 283 |
| Net loans and leases to core deposits | 169.4353% | 239 |
| Total domestic deposits to total assets | 77.7318% | 6,290 |
| Equity capital to assets | 13.4804% | 1,329 |
| Core capital (leverage) ratio | 13.2890% | 1,159 |
| Tier 1 risk-based capital ratio | 14.2381% | 3,354 |
| Total risk-based capital ratio | 15.4934% | 3,303 |
| Memoranda: | ||
| Average total assets | $304,360,000 | 2,188 |
| Average earning assets | $285,540,200 | 2,157 |
| Average equity | $40,987,600 | 1,630 |
| Average total loans | $269,455,400 | 1,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8980% | 2,461 |
| Cost of funding earning assets | 2.5248% | 1,225 |
| Net interest margin | 3.3732% | 5,372 |
| Noninterest income to average assets | 0.7175% | 2,902 |
| Noninterest expense to average assets | 2.2980% | 6,716 |
| Loan and lease loss provision to assets | 0.6173% | 2,923 |
| Net operating income to assets | 0.5620% | 3,752 |
| Return on assets (ROA) | 0.6885% | 3,305 |
| Pretax return on assets | 1.1606% | 2,380 |
| Return on Equity (ROE) | 5.1140% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.3069% | 2,864 |
| Net charge-offs to loans | 0.1438% | 5,261 |
| Credit loss provision to net charge-offs | 486.3158% | 813 |
| Earnings coverage of net charge-offs (x) | 12.4491% | 1,761 |
| Efficiency ratio | 59.2559% | 6,522 |
| Assets per employee ($millions) | 7.4280% | 657 |
| Cash dividends to net income (ytd only)* | 15.7829% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 2,846 |
| Loan loss allowance to noncurrent loans | 1,551.0417% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 5,822 |
| Noncurrent loans to loans | 0.1058% | 7,211 |
| Net loans and leases to total assets | 85.8002% | 358 |
| Net loans and leases to deposits | 109.3238% | 485 |
| Net loans and leases to core deposits | 169.7601% | 273 |
| Total domestic deposits to total assets | 78.4826% | 5,953 |
| Equity capital to assets | 13.7870% | 1,381 |
| Core capital (leverage) ratio | 14.4888% | 957 |
| Tier 1 risk-based capital ratio | 14.7309% | 3,170 |
| Total risk-based capital ratio | 15.9845% | 3,113 |
| Memoranda: | ||
| Average total assets | $299,382,500 | 2,231 |
| Average earning assets | $280,517,500 | 2,192 |
| Average equity | $40,306,250 | 1,675 |
| Average total loans | $264,196,750 | 1,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 2,281 |
| Cost of funding earning assets | 2.6460% | 1,167 |
| Net interest margin | 3.3303% | 5,437 |
| Noninterest income to average assets | 0.7040% | 2,967 |
| Noninterest expense to average assets | 2.3843% | 6,512 |
| Loan and lease loss provision to assets | 0.5691% | 2,739 |
| Net operating income to assets | 0.4918% | 4,117 |
| Return on assets (ROA) | 0.6843% | 3,435 |
| Pretax return on assets | 1.1572% | 2,439 |
| Return on Equity (ROE) | 5.1263% | 4,022 |
| Retained earnings to average equity (ytd only) | 4.3345% | 2,886 |
| Net charge-offs to loans | 0.1139% | 5,019 |
| Credit loss provision to net charge-offs | 563.7584% | 827 |
| Earnings coverage of net charge-offs (x) | 14.1208% | 1,681 |
| Efficiency ratio | 62.5823% | 6,154 |
| Assets per employee ($millions) | 7.1994% | 702 |
| Cash dividends to net income (ytd only)* | 15.4455% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 2,976 |
| Loan loss allowance to noncurrent loans | 698.2788% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 5,399 |
| Noncurrent loans to loans | 0.2210% | 6,956 |
| Net loans and leases to total assets | 87.6832% | 257 |
| Net loans and leases to deposits | 110.7546% | 527 |
| Net loans and leases to core deposits | 174.8612% | 269 |
| Total domestic deposits to total assets | 79.1690% | 5,759 |
| Equity capital to assets | 14.3200% | 1,219 |
| Core capital (leverage) ratio | 14.3473% | 1,059 |
| Tier 1 risk-based capital ratio | 14.8444% | 3,090 |
| Total risk-based capital ratio | 16.0965% | 3,020 |
| Memoranda: | ||
| Average total assets | $295,184,670 | 2,285 |
| Average earning assets | $275,287,330 | 2,247 |
| Average equity | $39,404,330 | 1,725 |
| Average total loans | $261,548,000 | 1,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 2,798 |
| Cost of funding earning assets | 2.6327% | 1,474 |
| Net interest margin | 3.2667% | 5,631 |
| Noninterest income to average assets | 0.5109% | 4,221 |
| Noninterest expense to average assets | 2.3361% | 6,415 |
| Loan and lease loss provision to assets | 0.5827% | 2,160 |
| Net operating income to assets | 0.3568% | 5,036 |
| Return on assets (ROA) | 0.5718% | 4,332 |
| Pretax return on assets | 0.9933% | 3,368 |
| Return on Equity (ROE) | 4.4454% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.4454% | 3,448 |
| Net charge-offs to loans | 0.0276% | 5,141 |
| Credit loss provision to net charge-offs | 2,388.8889% | 275 |
| Earnings coverage of net charge-offs (x) | 50.8333% | 719 |
| Efficiency ratio | 65.3278% | 5,443 |
| Assets per employee ($millions) | 7.5365% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 3,455 |
| Loan loss allowance to noncurrent loans | 138.9481% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 3,907 |
| Noncurrent loans to loans | 1.0137% | 4,974 |
| Net loans and leases to total assets | 87.7225% | 288 |
| Net loans and leases to deposits | 114.3034% | 436 |
| Net loans and leases to core deposits | 192.9595% | 165 |
| Total domestic deposits to total assets | 76.7453% | 6,348 |
| Equity capital to assets | 13.9401% | 1,382 |
| Core capital (leverage) ratio | 14.3509% | 1,120 |
| Tier 1 risk-based capital ratio | 14.6423% | 3,236 |
| Total risk-based capital ratio | 15.8963% | 3,164 |
| Memoranda: | ||
| Average total assets | $295,189,500 | 2,302 |
| Average earning assets | $276,977,500 | 2,255 |
| Average equity | $37,972,000 | 1,798 |
| Average total loans | $260,884,000 | 1,900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8059% | 1,655 |
| Cost of funding earning assets | 3.1909% | 1,217 |
| Net interest margin | 3.6151% | 4,813 |
| Noninterest income to average assets | 1.0671% | 1,380 |
| Noninterest expense to average assets | 2.4971% | 6,015 |
| Loan and lease loss provision to assets | 0.7674% | 1,943 |
| Net operating income to assets | 0.6230% | 4,215 |
| Return on assets (ROA) | 0.6699% | 3,870 |
| Pretax return on assets | 1.3088% | 2,282 |
| Return on Equity (ROE) | 5.0876% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.0876% | 1,971 |
| Net charge-offs to loans | 0.1509% | 4,698 |
| Credit loss provision to net charge-offs | 599.0566% | 727 |
| Earnings coverage of net charge-offs (x) | 15.6352% | 1,919 |
| Efficiency ratio | 55.4919% | 7,089 |
| Assets per employee ($millions) | 7.2230% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 3,608 |
| Loan loss allowance to noncurrent loans | 216.8814% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 3,977 |
| Noncurrent loans to loans | 0.6121% | 5,535 |
| Net loans and leases to total assets | 86.5903% | 527 |
| Net loans and leases to deposits | 118.2939% | 436 |
| Net loans and leases to core deposits | 199.3077% | 175 |
| Total domestic deposits to total assets | 73.1993% | 6,792 |
| Equity capital to assets | 11.7404% | 2,474 |
| Core capital (leverage) ratio | 12.0159% | 1,955 |
| Tier 1 risk-based capital ratio | 12.2972% | 4,585 |
| Total risk-based capital ratio | 13.5296% | 4,488 |
| Memoranda: | ||
| Average total assets | $248,251,800 | 2,575 |
| Average earning assets | $235,735,400 | 2,497 |
| Average equity | $32,687,600 | 2,072 |
| Average total loans | $210,784,400 | 2,198 |