Home > Newburyport Five Cents Savings Bank > Performance and Condition Ratios
Newburyport Five Cents Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 2,036 |
| Cost of funding earning assets | 1.9750% | 951 |
| Net interest margin | 3.0448% | 3,190 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.6953% | 1,743 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.1205% | 4,235 |
| Return on assets (ROA) | 0.2242% | 4,145 |
| Pretax return on assets | 0.2324% | 4,163 |
| Return on Equity (ROE) | 2.6800% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.6759% | 3,390 |
| Net charge-offs to loans | 0.2261% | 483 |
| Credit loss provision to net charge-offs | 120.0805% | 1,671 |
| Earnings coverage of net charge-offs (x) | 1.8656% | 2,737 |
| Efficiency ratio | 88.2182% | 478 |
| Assets per employee ($millions) | 9.1541% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,466 |
| Loan loss allowance to noncurrent loans | 1,445.8194% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,203 |
| Noncurrent loans to loans | 0.0670% | 3,233 |
| Net loans and leases to total assets | 84.2600% | 253 |
| Net loans and leases to deposits | 111.0913% | 181 |
| Net loans and leases to core deposits | 134.7318% | 338 |
| Total domestic deposits to total assets | 75.8500% | 3,954 |
| Equity capital to assets | 8.8164% | 2,807 |
| Core capital (leverage) ratio | 9.7945% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8401% | 2,291 |
| Memoranda: | ||
| Average total assets | $1,545,980,200 | 701 |
| Average earning assets | $1,467,159,000 | 676 |
| Average equity | $129,528,600 | 766 |
| Average total loans | $1,319,146,600 | 576 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 2,050 |
| Cost of funding earning assets | 1.8636% | 910 |
| Net interest margin | 3.0416% | 3,257 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.6745% | 1,730 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.1637% | 4,272 |
| Return on assets (ROA) | 0.1654% | 4,286 |
| Pretax return on assets | 0.1516% | 4,300 |
| Return on Equity (ROE) | 2.0000% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.0009% | 3,727 |
| Net charge-offs to loans | 0.2072% | 427 |
| Credit loss provision to net charge-offs | 134.9167% | 1,390 |
| Earnings coverage of net charge-offs (x) | 2.1474% | 2,497 |
| Efficiency ratio | 87.5613% | 457 |
| Assets per employee ($millions) | 8.7702% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,432 |
| Loan loss allowance to noncurrent loans | 119.6543% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 798 |
| Noncurrent loans to loans | 0.8246% | 1,001 |
| Net loans and leases to total assets | 85.0500% | 209 |
| Net loans and leases to deposits | 108.0777% | 245 |
| Net loans and leases to core deposits | 127.1065% | 393 |
| Total domestic deposits to total assets | 78.6900% | 3,742 |
| Equity capital to assets | 8.1204% | 2,966 |
| Core capital (leverage) ratio | 9.2536% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1911% | 2,553 |
| Memoranda: | ||
| Average total assets | $1,538,851,000 | 707 |
| Average earning assets | $1,460,664,750 | 679 |
| Average equity | $127,207,250 | 776 |
| Average total loans | $1,314,028,250 | 579 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 1,921 |
| Cost of funding earning assets | 1.7485% | 816 |
| Net interest margin | 3.0842% | 3,257 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.6092% | 1,906 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.2752% | 4,195 |
| Return on assets (ROA) | 0.2771% | 4,220 |
| Pretax return on assets | 0.2977% | 4,235 |
| Return on Equity (ROE) | 3.3300% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.3326% | 3,397 |
| Net charge-offs to loans | 0.1817% | 436 |
| Credit loss provision to net charge-offs | 130.4202% | 1,289 |
| Earnings coverage of net charge-offs (x) | 3.1504% | 2,273 |
| Efficiency ratio | 84.2505% | 582 |
| Assets per employee ($millions) | 8.6761% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,520 |
| Loan loss allowance to noncurrent loans | 113.4456% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 703 |
| Noncurrent loans to loans | 0.8589% | 884 |
| Net loans and leases to total assets | 84.2600% | 250 |
| Net loans and leases to deposits | 105.6815% | 321 |
| Net loans and leases to core deposits | 123.1675% | 449 |
| Total domestic deposits to total assets | 79.7300% | 3,613 |
| Equity capital to assets | 8.4203% | 2,930 |
| Core capital (leverage) ratio | 9.1942% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2209% | 2,563 |
| Memoranda: | ||
| Average total assets | $1,537,281,333 | 695 |
| Average earning assets | $1,461,336,667 | 673 |
| Average equity | $127,828,333 | 765 |
| Average total loans | $1,310,071,000 | 562 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,908 |
| Cost of funding earning assets | 1.5271% | 799 |
| Net interest margin | 3.1478% | 3,243 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.5265% | 2,176 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.2958% | 4,254 |
| Return on assets (ROA) | 0.3048% | 4,206 |
| Pretax return on assets | 0.3643% | 4,185 |
| Return on Equity (ROE) | 3.6900% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,354 |
| Net charge-offs to loans | 0.2077% | 353 |
| Credit loss provision to net charge-offs | 151.9824% | 944 |
| Earnings coverage of net charge-offs (x) | 3.5169% | 1,882 |
| Efficiency ratio | 80.2230% | 812 |
| Assets per employee ($millions) | 8.8967% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,670 |
| Loan loss allowance to noncurrent loans | 5,193.4694% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,674 |
| Noncurrent loans to loans | 0.0185% | 3,656 |
| Net loans and leases to total assets | 85.2100% | 176 |
| Net loans and leases to deposits | 97.8181% | 549 |
| Net loans and leases to core deposits | 120.1322% | 429 |
| Total domestic deposits to total assets | 87.1100% | 2,222 |
| Equity capital to assets | 8.3044% | 3,037 |
| Core capital (leverage) ratio | 9.1710% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2106% | 2,660 |
| Memoranda: | ||
| Average total assets | $1,538,089,000 | 708 |
| Average earning assets | $1,467,062,000 | 687 |
| Average equity | $127,089,000 | 778 |
| Average total loans | $1,311,792,000 | 573 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 1,629 |
| Cost of funding earning assets | 0.5615% | 1,059 |
| Net interest margin | 3.4725% | 2,026 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.8146% | 1,287 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.5240% | 4,046 |
| Return on assets (ROA) | 0.4879% | 4,067 |
| Pretax return on assets | 0.6170% | 4,003 |
| Return on Equity (ROE) | 5.4000% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.2118% | 3,663 |
| Net charge-offs to loans | 0.0979% | 745 |
| Credit loss provision to net charge-offs | 62.5000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 8.6039% | 2,260 |
| Efficiency ratio | 79.7532% | 735 |
| Assets per employee ($millions) | 8.6351% | 1,043 |
| Cash dividends to net income (ytd only)* | 40.5549% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 3,685 |
| Loan loss allowance to noncurrent loans | 3,770.5329% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 3,639 |
| Noncurrent loans to loans | 0.0246% | 3,618 |
| Net loans and leases to total assets | 83.7600% | 276 |
| Net loans and leases to deposits | 94.8824% | 720 |
| Net loans and leases to core deposits | 116.8108% | 433 |
| Total domestic deposits to total assets | 88.2700% | 1,983 |
| Equity capital to assets | 8.2212% | 2,919 |
| Core capital (leverage) ratio | 9.4167% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4262% | 2,597 |
| Memoranda: | ||
| Average total assets | $1,425,681,000 | 731 |
| Average earning assets | $1,359,347,400 | 703 |
| Average equity | $128,743,200 | 759 |
| Average total loans | $1,209,704,200 | 578 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 1,510 |
| Cost of funding earning assets | 0.3913% | 1,355 |
| Net interest margin | 3.4983% | 1,666 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.7609% | 1,323 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5599% | 3,940 |
| Return on assets (ROA) | 0.4924% | 4,044 |
| Pretax return on assets | 0.6405% | 3,917 |
| Return on Equity (ROE) | 5.3200% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.4132% | 3,934 |
| Net charge-offs to loans | 0.0937% | 659 |
| Credit loss provision to net charge-offs | 101.9185% | 1,307 |
| Earnings coverage of net charge-offs (x) | 10.1451% | 1,998 |
| Efficiency ratio | 77.3806% | 964 |
| Assets per employee ($millions) | 8.5102% | 1,059 |
| Cash dividends to net income (ytd only)* | 54.6494% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,620 |
| Loan loss allowance to noncurrent loans | 2,877.4194% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,639 |
| Noncurrent loans to loans | 0.0337% | 3,653 |
| Net loans and leases to total assets | 85.7000% | 141 |
| Net loans and leases to deposits | 100.8302% | 332 |
| Net loans and leases to core deposits | 124.7944% | 191 |
| Total domestic deposits to total assets | 85.0000% | 3,287 |
| Equity capital to assets | 8.2579% | 2,713 |
| Core capital (leverage) ratio | 9.4514% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4177% | 2,681 |
| Memoranda: | ||
| Average total assets | $1,397,839,750 | 753 |
| Average earning assets | $1,332,639,250 | 726 |
| Average equity | $129,338,250 | 767 |
| Average total loans | $1,187,284,000 | 583 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 1,550 |
| Cost of funding earning assets | 0.2611% | 2,132 |
| Net interest margin | 3.4339% | 1,502 |
| Noninterest income to average assets | 0.2699% | 3,555 |
| Noninterest expense to average assets | 2.7269% | 1,320 |
| Loan and lease loss provision to assets | 0.0731% | 1,315 |
| Net operating income to assets | 0.5699% | 3,708 |
| Return on assets (ROA) | 0.4798% | 3,897 |
| Pretax return on assets | 0.6297% | 3,750 |
| Return on Equity (ROE) | 4.9902% | 3,821 |
| Retained earnings to average equity (ytd only) | 0.6983% | 4,056 |
| Net charge-offs to loans | 0.1001% | 586 |
| Credit loss provision to net charge-offs | 86.6551% | 1,356 |
| Earnings coverage of net charge-offs (x) | 9.6794% | 1,778 |
| Efficiency ratio | 76.9482% | 1,179 |
| Assets per employee ($millions) | 8.4134% | 1,104 |
| Cash dividends to net income (ytd only)* | 86.0061% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,633 |
| Loan loss allowance to noncurrent loans | 2,086.7003% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,580 |
| Noncurrent loans to loans | 0.0475% | 3,591 |
| Net loans and leases to total assets | 85.0003% | 134 |
| Net loans and leases to deposits | 102.8403% | 190 |
| Net loans and leases to core deposits | 122.3729% | 176 |
| Total domestic deposits to total assets | 82.6528% | 3,923 |
| Equity capital to assets | 8.7052% | 2,610 |
| Core capital (leverage) ratio | 9.8383% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4735% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,367,358,667 | 755 |
| Average earning assets | $1,303,631,333 | 740 |
| Average equity | $131,456,667 | 764 |
| Average total loans | $1,153,420,667 | 586 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 1,492 |
| Cost of funding earning assets | 0.2046% | 2,737 |
| Net interest margin | 3.4014% | 1,296 |
| Noninterest income to average assets | 0.2627% | 3,552 |
| Noninterest expense to average assets | 2.7456% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5821% | 3,460 |
| Return on assets (ROA) | 0.5474% | 3,539 |
| Pretax return on assets | 0.7200% | 3,334 |
| Return on Equity (ROE) | 5.4127% | 3,509 |
| Retained earnings to average equity (ytd only) | -1.2942% | 4,171 |
| Net charge-offs to loans | 0.1187% | 457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 7.7043% | 1,532 |
| Efficiency ratio | 78.2343% | 1,293 |
| Assets per employee ($millions) | 7.6413% | 1,593 |
| Cash dividends to net income (ytd only)* | 123.9094% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,482 |
| Loan loss allowance to noncurrent loans | 1,445.7143% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,442 |
| Noncurrent loans to loans | 0.0735% | 3,482 |
| Net loans and leases to total assets | 83.1559% | 117 |
| Net loans and leases to deposits | 94.7487% | 327 |
| Net loans and leases to core deposits | 110.1412% | 256 |
| Total domestic deposits to total assets | 87.7647% | 2,640 |
| Equity capital to assets | 9.6100% | 2,201 |
| Core capital (leverage) ratio | 10.6297% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2819% | 2,491 |
| Memoranda: | ||
| Average total assets | $1,323,282,000 | 782 |
| Average earning assets | $1,263,143,500 | 766 |
| Average equity | $133,832,500 | 763 |
| Average total loans | $1,105,338,500 | 601 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 2,021 |
| Cost of funding earning assets | 0.2752% | 2,649 |
| Net interest margin | 3.4594% | 1,854 |
| Noninterest income to average assets | 0.2683% | 3,780 |
| Noninterest expense to average assets | 2.8880% | 1,179 |
| Loan and lease loss provision to assets | 0.0949% | 1,319 |
| Net operating income to assets | 0.4567% | 4,173 |
| Return on assets (ROA) | 0.5016% | 4,124 |
| Pretax return on assets | 0.6409% | 4,049 |
| Return on Equity (ROE) | 4.5284% | 4,100 |
| Retained earnings to average equity (ytd only) | 0.2504% | 4,427 |
| Net charge-offs to loans | 0.1074% | 821 |
| Credit loss provision to net charge-offs | 107.4681% | 1,728 |
| Earnings coverage of net charge-offs (x) | 7.6894% | 2,336 |
| Efficiency ratio | 80.9679% | 748 |
| Assets per employee ($millions) | 7.1467% | 1,835 |
| Cash dividends to net income (ytd only)* | 94.4703% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,029 |
| Loan loss allowance to noncurrent loans | 4,502.5271% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,917 |
| Noncurrent loans to loans | 0.0259% | 3,881 |
| Net loans and leases to total assets | 82.0122% | 180 |
| Net loans and leases to deposits | 96.8058% | 285 |
| Net loans and leases to core deposits | 107.9222% | 324 |
| Total domestic deposits to total assets | 84.7182% | 3,353 |
| Equity capital to assets | 10.6463% | 2,050 |
| Core capital (leverage) ratio | 10.8849% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3663% | 2,089 |
| Memoranda: | ||
| Average total assets | $1,243,733,000 | 803 |
| Average earning assets | $1,185,889,800 | 784 |
| Average equity | $137,776,400 | 761 |
| Average total loans | $1,022,487,600 | 644 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 2,130 |
| Cost of funding earning assets | 0.2974% | 2,616 |
| Net interest margin | 3.4577% | 1,984 |
| Noninterest income to average assets | 0.2435% | 3,937 |
| Noninterest expense to average assets | 2.7205% | 1,531 |
| Loan and lease loss provision to assets | 0.1276% | 911 |
| Net operating income to assets | 0.5266% | 4,148 |
| Return on assets (ROA) | 0.5551% | 4,135 |
| Pretax return on assets | 0.7261% | 4,022 |
| Return on Equity (ROE) | 4.9609% | 4,127 |
| Retained earnings to average equity (ytd only) | -0.1826% | 4,582 |
| Net charge-offs to loans | 0.1162% | 666 |
| Credit loss provision to net charge-offs | 133.9387% | 1,406 |
| Earnings coverage of net charge-offs (x) | 8.5823% | 2,100 |
| Efficiency ratio | 76.8925% | 967 |
| Assets per employee ($millions) | 7.0435% | 1,836 |
| Cash dividends to net income (ytd only)* | 103.6813% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,731 |
| Loan loss allowance to noncurrent loans | 948.4305% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 3,398 |
| Noncurrent loans to loans | 0.1318% | 3,449 |
| Net loans and leases to total assets | 79.5066% | 319 |
| Net loans and leases to deposits | 92.6700% | 461 |
| Net loans and leases to core deposits | 103.6054% | 470 |
| Total domestic deposits to total assets | 85.7954% | 2,829 |
| Equity capital to assets | 10.8831% | 2,094 |
| Core capital (leverage) ratio | 11.2289% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1379% | 1,917 |
| Memoranda: | ||
| Average total assets | $1,233,062,750 | 818 |
| Average earning assets | $1,174,905,250 | 798 |
| Average equity | $137,981,750 | 776 |
| Average total loans | $1,011,237,500 | 667 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 2,184 |
| Cost of funding earning assets | 0.3183% | 2,607 |
| Net interest margin | 3.4388% | 2,037 |
| Noninterest income to average assets | 0.2558% | 3,864 |
| Noninterest expense to average assets | 2.6945% | 1,600 |
| Loan and lease loss provision to assets | 0.1928% | 581 |
| Net operating income to assets | 0.4875% | 4,244 |
| Return on assets (ROA) | 0.5336% | 4,204 |
| Pretax return on assets | 0.7021% | 4,059 |
| Return on Equity (ROE) | 4.7237% | 4,185 |
| Retained earnings to average equity (ytd only) | 0.5686% | 4,418 |
| Net charge-offs to loans | 0.1299% | 610 |
| Credit loss provision to net charge-offs | 179.8780% | 1,091 |
| Earnings coverage of net charge-offs (x) | 7.8034% | 1,913 |
| Efficiency ratio | 76.3086% | 1,055 |
| Assets per employee ($millions) | 7.1542% | 1,688 |
| Cash dividends to net income (ytd only)* | 87.9632% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,589 |
| Loan loss allowance to noncurrent loans | 1,253.7864% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,656 |
| Noncurrent loans to loans | 0.1013% | 3,677 |
| Net loans and leases to total assets | 80.6636% | 277 |
| Net loans and leases to deposits | 95.9826% | 383 |
| Net loans and leases to core deposits | 107.9478% | 418 |
| Total domestic deposits to total assets | 84.0398% | 3,429 |
| Equity capital to assets | 11.1276% | 1,896 |
| Core capital (leverage) ratio | 11.3088% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5207% | 1,797 |
| Memoranda: | ||
| Average total assets | $1,223,818,667 | 817 |
| Average earning assets | $1,165,653,000 | 795 |
| Average equity | $138,238,000 | 771 |
| Average total loans | $1,009,948,333 | 670 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 2,268 |
| Cost of funding earning assets | 0.3398% | 2,625 |
| Net interest margin | 3.3960% | 2,122 |
| Noninterest income to average assets | 0.2740% | 3,759 |
| Noninterest expense to average assets | 2.6203% | 1,829 |
| Loan and lease loss provision to assets | 0.2423% | 440 |
| Net operating income to assets | 0.4878% | 4,196 |
| Return on assets (ROA) | 0.5618% | 4,085 |
| Pretax return on assets | 0.7372% | 3,938 |
| Return on Equity (ROE) | 4.9357% | 4,098 |
| Retained earnings to average equity (ytd only) | -2.0565% | 4,539 |
| Net charge-offs to loans | 0.1324% | 564 |
| Credit loss provision to net charge-offs | 220.7207% | 861 |
| Earnings coverage of net charge-offs (x) | 8.0691% | 1,591 |
| Efficiency ratio | 74.7344% | 1,245 |
| Assets per employee ($millions) | 6.8235% | 1,916 |
| Cash dividends to net income (ytd only)* | 141.6667% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,647 |
| Loan loss allowance to noncurrent loans | 976.4885% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,637 |
| Noncurrent loans to loans | 0.1284% | 3,666 |
| Net loans and leases to total assets | 82.4948% | 204 |
| Net loans and leases to deposits | 101.2358% | 254 |
| Net loans and leases to core deposits | 111.6951% | 369 |
| Total domestic deposits to total assets | 81.4878% | 3,987 |
| Equity capital to assets | 11.2186% | 1,710 |
| Core capital (leverage) ratio | 11.5874% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0783% | 1,543 |
| Memoranda: | ||
| Average total assets | $1,213,313,000 | 811 |
| Average earning assets | $1,154,779,000 | 795 |
| Average equity | $138,097,000 | 771 |
| Average total loans | $1,006,403,000 | 673 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 2,875 |
| Cost of funding earning assets | 0.5899% | 2,389 |
| Net interest margin | 3.3625% | 2,892 |
| Noninterest income to average assets | 0.4335% | 2,939 |
| Noninterest expense to average assets | 2.7446% | 2,102 |
| Loan and lease loss provision to assets | 0.4550% | 609 |
| Net operating income to assets | 0.3445% | 4,364 |
| Return on assets (ROA) | 0.4052% | 4,317 |
| Pretax return on assets | 0.4873% | 4,292 |
| Return on Equity (ROE) | 3.3958% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.1906% | 3,232 |
| Net charge-offs to loans | 0.1388% | 1,164 |
| Credit loss provision to net charge-offs | 401.1646% | 1,428 |
| Earnings coverage of net charge-offs (x) | 7.6630% | 2,673 |
| Efficiency ratio | 75.9474% | 1,234 |
| Assets per employee ($millions) | 7.0481% | 1,549 |
| Cash dividends to net income (ytd only)* | 6.0422% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,698 |
| Loan loss allowance to noncurrent loans | 859.8196% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 3,688 |
| Noncurrent loans to loans | 0.1452% | 3,705 |
| Net loans and leases to total assets | 81.3152% | 338 |
| Net loans and leases to deposits | 110.0808% | 165 |
| Net loans and leases to core deposits | 117.0713% | 352 |
| Total domestic deposits to total assets | 73.8687% | 4,641 |
| Equity capital to assets | 11.5472% | 1,848 |
| Core capital (leverage) ratio | 12.2820% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9672% | 1,542 |
| Memoranda: | ||
| Average total assets | $1,135,497,400 | 789 |
| Average earning assets | $1,073,977,600 | 767 |
| Average equity | $135,490,200 | 742 |
| Average total loans | $928,197,200 | 691 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,105 |
| Cost of funding earning assets | 0.6637% | 2,240 |
| Net interest margin | 3.2881% | 3,231 |
| Noninterest income to average assets | 0.4247% | 2,962 |
| Noninterest expense to average assets | 2.7010% | 2,247 |
| Loan and lease loss provision to assets | 0.4654% | 674 |
| Net operating income to assets | 0.3038% | 4,443 |
| Return on assets (ROA) | 0.3479% | 4,419 |
| Pretax return on assets | 0.4170% | 4,410 |
| Return on Equity (ROE) | 2.8901% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.6147% | 3,682 |
| Net charge-offs to loans | 0.1025% | 1,288 |
| Credit loss provision to net charge-offs | 556.7760% | 1,211 |
| Earnings coverage of net charge-offs (x) | 9.9215% | 2,392 |
| Efficiency ratio | 76.5073% | 1,163 |
| Assets per employee ($millions) | 7.1423% | 1,406 |
| Cash dividends to net income (ytd only)* | 9.5303% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,701 |
| Loan loss allowance to noncurrent loans | 727.0639% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 3,740 |
| Noncurrent loans to loans | 0.1642% | 3,728 |
| Net loans and leases to total assets | 81.7673% | 451 |
| Net loans and leases to deposits | 111.5371% | 203 |
| Net loans and leases to core deposits | 119.4344% | 427 |
| Total domestic deposits to total assets | 73.3095% | 4,614 |
| Equity capital to assets | 11.6097% | 1,934 |
| Core capital (leverage) ratio | 12.2730% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4699% | 1,379 |
| Memoranda: | ||
| Average total assets | $1,118,067,500 | 787 |
| Average earning assets | $1,056,050,500 | 762 |
| Average equity | $134,570,500 | 739 |
| Average total loans | $912,142,750 | 697 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 3,261 |
| Cost of funding earning assets | 0.7745% | 1,963 |
| Net interest margin | 3.2494% | 3,527 |
| Noninterest income to average assets | 0.4157% | 2,988 |
| Noninterest expense to average assets | 2.6451% | 2,537 |
| Loan and lease loss provision to assets | 0.4770% | 781 |
| Net operating income to assets | 0.3002% | 4,421 |
| Return on assets (ROA) | 0.3646% | 4,362 |
| Pretax return on assets | 0.4354% | 4,361 |
| Return on Equity (ROE) | 2.9907% | 4,357 |
| Retained earnings to average equity (ytd only) | 2.5744% | 3,558 |
| Net charge-offs to loans | 0.1194% | 1,132 |
| Credit loss provision to net charge-offs | 492.0904% | 1,252 |
| Earnings coverage of net charge-offs (x) | 8.6215% | 2,274 |
| Efficiency ratio | 75.9899% | 1,266 |
| Assets per employee ($millions) | 7.2852% | 1,285 |
| Cash dividends to net income (ytd only)* | 13.9209% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,011 |
| Loan loss allowance to noncurrent loans | 859.8214% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,004 |
| Noncurrent loans to loans | 0.1288% | 3,942 |
| Net loans and leases to total assets | 81.1617% | 484 |
| Net loans and leases to deposits | 115.7863% | 131 |
| Net loans and leases to core deposits | 125.2396% | 327 |
| Total domestic deposits to total assets | 70.0961% | 4,782 |
| Equity capital to assets | 11.7439% | 1,807 |
| Core capital (leverage) ratio | 12.4711% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7578% | 1,303 |
| Memoranda: | ||
| Average total assets | $1,095,551,000 | 791 |
| Average earning assets | $1,033,407,667 | 764 |
| Average equity | $133,545,333 | 735 |
| Average total loans | $889,137,000 | 703 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 3,103 |
| Cost of funding earning assets | 1.0403% | 1,257 |
| Net interest margin | 3.1960% | 3,866 |
| Noninterest income to average assets | 0.5058% | 2,523 |
| Noninterest expense to average assets | 2.7470% | 2,586 |
| Loan and lease loss provision to assets | 0.4526% | 668 |
| Net operating income to assets | 0.2644% | 4,422 |
| Return on assets (ROA) | 0.2753% | 4,422 |
| Pretax return on assets | 0.3247% | 4,413 |
| Return on Equity (ROE) | 2.2143% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.3710% | 3,642 |
| Net charge-offs to loans | 0.0729% | 1,296 |
| Credit loss provision to net charge-offs | 769.2308% | 675 |
| Earnings coverage of net charge-offs (x) | 12.9936% | 1,673 |
| Efficiency ratio | 78.2277% | 1,308 |
| Assets per employee ($millions) | 6.6000% | 1,297 |
| Cash dividends to net income (ytd only)* | 38.0822% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,191 |
| Loan loss allowance to noncurrent loans | 472.5519% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 3,750 |
| Noncurrent loans to loans | 0.2331% | 3,657 |
| Net loans and leases to total assets | 78.7666% | 866 |
| Net loans and leases to deposits | 111.2726% | 170 |
| Net loans and leases to core deposits | 123.6472% | 372 |
| Total domestic deposits to total assets | 70.7871% | 4,825 |
| Equity capital to assets | 12.4552% | 1,761 |
| Core capital (leverage) ratio | 12.7117% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7005% | 1,418 |
| Memoranda: | ||
| Average total assets | $1,060,509,000 | 782 |
| Average earning assets | $997,358,500 | 758 |
| Average equity | $131,872,500 | 740 |
| Average total loans | $855,384,500 | 705 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 3,467 |
| Cost of funding earning assets | 1.2601% | 863 |
| Net interest margin | 3.0663% | 4,423 |
| Noninterest income to average assets | 0.3192% | 3,782 |
| Noninterest expense to average assets | 2.7830% | 2,662 |
| Loan and lease loss provision to assets | 0.1833% | 1,125 |
| Net operating income to assets | 0.1999% | 4,838 |
| Return on assets (ROA) | 0.3503% | 4,710 |
| Pretax return on assets | 0.4147% | 4,689 |
| Return on Equity (ROE) | 2.6596% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.0179% | 3,992 |
| Net charge-offs to loans | 0.0047% | 3,506 |
| Credit loss provision to net charge-offs | 4,886.1111% | 92 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 621 |
| Efficiency ratio | 86.9145% | 491 |
| Assets per employee ($millions) | 6.3314% | 1,397 |
| Cash dividends to net income (ytd only)* | 24.1297% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,441 |
| Loan loss allowance to noncurrent loans | 549.4513% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,878 |
| Noncurrent loans to loans | 0.1837% | 3,795 |
| Net loans and leases to total assets | 80.9031% | 680 |
| Net loans and leases to deposits | 108.5586% | 216 |
| Net loans and leases to core deposits | 122.0321% | 427 |
| Total domestic deposits to total assets | 74.5249% | 4,736 |
| Equity capital to assets | 12.4133% | 1,875 |
| Core capital (leverage) ratio | 12.3904% | 1,544 |
| Tier 1 risk-based capital ratio | 15.6461% | 2,527 |
| Total risk-based capital ratio | 16.7430% | 2,513 |
| Memoranda: | ||
| Average total assets | $959,444,200 | 819 |
| Average earning assets | $902,007,000 | 800 |
| Average equity | $126,371,600 | 724 |
| Average total loans | $766,094,200 | 742 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 3,626 |
| Cost of funding earning assets | 1.2794% | 838 |
| Net interest margin | 3.0313% | 4,585 |
| Noninterest income to average assets | 0.3126% | 3,878 |
| Noninterest expense to average assets | 2.7556% | 2,698 |
| Loan and lease loss provision to assets | 0.1996% | 885 |
| Net operating income to assets | 0.1731% | 4,969 |
| Return on assets (ROA) | 0.3129% | 4,843 |
| Pretax return on assets | 0.3717% | 4,837 |
| Return on Equity (ROE) | 2.3387% | 4,867 |
| Retained earnings to average equity (ytd only) | 1.8686% | 4,319 |
| Net charge-offs to loans | -0.0102% | 4,380 |
| Credit loss provision to net charge-offs | -2,471.9298% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1907% | 442 |
| Assets per employee ($millions) | 6.1359% | 1,505 |
| Cash dividends to net income (ytd only)* | 20.0998% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,596 |
| Loan loss allowance to noncurrent loans | 467.3839% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,877 |
| Noncurrent loans to loans | 0.2128% | 3,775 |
| Net loans and leases to total assets | 81.1489% | 690 |
| Net loans and leases to deposits | 105.9082% | 327 |
| Net loans and leases to core deposits | 122.5947% | 455 |
| Total domestic deposits to total assets | 76.6220% | 4,569 |
| Equity capital to assets | 12.5960% | 1,844 |
| Core capital (leverage) ratio | 12.7855% | 1,439 |
| Tier 1 risk-based capital ratio | 15.6091% | 2,598 |
| Total risk-based capital ratio | 16.6785% | 2,597 |
| Memoranda: | ||
| Average total assets | $941,300,750 | 832 |
| Average earning assets | $884,316,500 | 817 |
| Average equity | $125,937,500 | 722 |
| Average total loans | $746,756,250 | 764 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 3,650 |
| Cost of funding earning assets | 1.2599% | 846 |
| Net interest margin | 3.0346% | 4,628 |
| Noninterest income to average assets | 0.2635% | 4,177 |
| Noninterest expense to average assets | 2.8346% | 2,468 |
| Loan and lease loss provision to assets | 0.1545% | 1,178 |
| Net operating income to assets | 0.1023% | 5,059 |
| Return on assets (ROA) | 0.3014% | 4,880 |
| Pretax return on assets | 0.3688% | 4,863 |
| Return on Equity (ROE) | 2.2056% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.7798% | 4,180 |
| Net charge-offs to loans | -0.0025% | 3,998 |
| Credit loss provision to net charge-offs | -7,877.7778% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9950% | 318 |
| Assets per employee ($millions) | 6.2766% | 1,354 |
| Cash dividends to net income (ytd only)* | 19.3059% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,764 |
| Loan loss allowance to noncurrent loans | 416.7685% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,840 |
| Noncurrent loans to loans | 0.2337% | 3,707 |
| Net loans and leases to total assets | 77.9410% | 1,233 |
| Net loans and leases to deposits | 98.1035% | 834 |
| Net loans and leases to core deposits | 115.5245% | 704 |
| Total domestic deposits to total assets | 79.4477% | 4,140 |
| Equity capital to assets | 12.9368% | 1,612 |
| Core capital (leverage) ratio | 13.5388% | 1,100 |
| Tier 1 risk-based capital ratio | 16.3302% | 2,292 |
| Total risk-based capital ratio | 17.3577% | 2,314 |
| Memoranda: | ||
| Average total assets | $917,592,330 | 851 |
| Average earning assets | $862,261,670 | 835 |
| Average equity | $125,408,330 | 721 |
| Average total loans | $719,066,000 | 786 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 3,252 |
| Cost of funding earning assets | 1.2282% | 829 |
| Net interest margin | 3.1648% | 4,468 |
| Noninterest income to average assets | 0.2377% | 4,309 |
| Noninterest expense to average assets | 2.8299% | 2,474 |
| Loan and lease loss provision to assets | 0.1137% | 1,557 |
| Net operating income to assets | 0.2464% | 4,965 |
| Return on assets (ROA) | 0.3572% | 4,823 |
| Pretax return on assets | 0.3951% | 4,844 |
| Return on Equity (ROE) | 2.5389% | 4,886 |
| Retained earnings to average equity (ytd only) | 2.1799% | 4,019 |
| Net charge-offs to loans | -0.0023% | 3,879 |
| Credit loss provision to net charge-offs | -6,300.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0067% | 484 |
| Assets per employee ($millions) | 6.1135% | 1,458 |
| Cash dividends to net income (ytd only)* | 14.1414% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,689 |
| Loan loss allowance to noncurrent loans | 489.1667% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 4,007 |
| Noncurrent loans to loans | 0.2050% | 3,851 |
| Net loans and leases to total assets | 77.3785% | 1,253 |
| Net loans and leases to deposits | 96.1720% | 951 |
| Net loans and leases to core deposits | 114.0556% | 741 |
| Total domestic deposits to total assets | 80.4584% | 4,083 |
| Equity capital to assets | 14.0002% | 1,038 |
| Core capital (leverage) ratio | 14.1611% | 908 |
| Tier 1 risk-based capital ratio | 17.4027% | 1,972 |
| Total risk-based capital ratio | 18.4373% | 1,997 |
| Memoranda: | ||
| Average total assets | $886,814,500 | 888 |
| Average earning assets | $834,423,500 | 864 |
| Average equity | $124,777,500 | 724 |
| Average total loans | $693,267,000 | 826 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 3,298 |
| Cost of funding earning assets | 0.9658% | 857 |
| Net interest margin | 3.2791% | 4,312 |
| Noninterest income to average assets | 0.2113% | 4,644 |
| Noninterest expense to average assets | 2.9784% | 2,103 |
| Loan and lease loss provision to assets | 0.0957% | 2,244 |
| Net operating income to assets | 0.1927% | 5,115 |
| Return on assets (ROA) | 0.6299% | 4,344 |
| Pretax return on assets | 0.7886% | 4,201 |
| Return on Equity (ROE) | 4.4174% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.0460% | 3,873 |
| Net charge-offs to loans | 0.0615% | 2,249 |
| Credit loss provision to net charge-offs | 197.8417% | 1,461 |
| Earnings coverage of net charge-offs (x) | 6.9832% | 3,025 |
| Efficiency ratio | 89.8146% | 351 |
| Assets per employee ($millions) | 6.3865% | 1,272 |
| Cash dividends to net income (ytd only)* | 31.0440% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,747 |
| Loan loss allowance to noncurrent loans | 468.7845% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,998 |
| Noncurrent loans to loans | 0.2117% | 3,818 |
| Net loans and leases to total assets | 77.4122% | 1,372 |
| Net loans and leases to deposits | 101.2918% | 639 |
| Net loans and leases to core deposits | 118.2225% | 612 |
| Total domestic deposits to total assets | 76.4249% | 4,699 |
| Equity capital to assets | 14.1423% | 924 |
| Core capital (leverage) ratio | 14.2442% | 856 |
| Tier 1 risk-based capital ratio | 17.6650% | 1,857 |
| Total risk-based capital ratio | 18.6978% | 1,869 |
| Memoranda: | ||
| Average total assets | $862,145,000 | 881 |
| Average earning assets | $816,316,000 | 858 |
| Average equity | $122,946,600 | 699 |
| Average total loans | $678,528,000 | 811 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 3,183 |
| Cost of funding earning assets | 0.9222% | 831 |
| Net interest margin | 3.3160% | 4,237 |
| Noninterest income to average assets | 0.2041% | 4,745 |
| Noninterest expense to average assets | 2.9760% | 2,085 |
| Loan and lease loss provision to assets | 0.1198% | 1,691 |
| Net operating income to assets | 0.2051% | 5,191 |
| Return on assets (ROA) | 0.7847% | 3,970 |
| Pretax return on assets | 0.9770% | 3,791 |
| Return on Equity (ROE) | 5.4907% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.1634% | 3,693 |
| Net charge-offs to loans | 0.0827% | 1,696 |
| Credit loss provision to net charge-offs | 183.8095% | 1,481 |
| Earnings coverage of net charge-offs (x) | 5.7119% | 2,943 |
| Efficiency ratio | 88.8786% | 370 |
| Assets per employee ($millions) | 6.8656% | 991 |
| Cash dividends to net income (ytd only)* | 24.1741% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,840 |
| Loan loss allowance to noncurrent loans | 344.8770% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 3,837 |
| Noncurrent loans to loans | 0.2866% | 3,658 |
| Net loans and leases to total assets | 76.7247% | 1,551 |
| Net loans and leases to deposits | 106.0841% | 437 |
| Net loans and leases to core deposits | 122.5060% | 503 |
| Total domestic deposits to total assets | 72.3244% | 5,103 |
| Equity capital to assets | 14.0195% | 956 |
| Core capital (leverage) ratio | 14.2969% | 864 |
| Tier 1 risk-based capital ratio | 17.8682% | 1,825 |
| Total risk-based capital ratio | 18.9040% | 1,841 |
| Memoranda: | ||
| Average total assets | $858,945,250 | 885 |
| Average earning assets | $814,442,500 | 858 |
| Average equity | $122,749,000 | 700 |
| Average total loans | $677,134,750 | 816 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,994 |
| Cost of funding earning assets | 0.8740% | 810 |
| Net interest margin | 3.3619% | 4,072 |
| Noninterest income to average assets | 0.1741% | 4,950 |
| Noninterest expense to average assets | 2.3559% | 4,009 |
| Loan and lease loss provision to assets | 0.1178% | 1,679 |
| Net operating income to assets | 0.6752% | 4,265 |
| Return on assets (ROA) | 0.8232% | 3,783 |
| Pretax return on assets | 1.0829% | 3,380 |
| Return on Equity (ROE) | 5.7228% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.3166% | 3,442 |
| Net charge-offs to loans | 0.0323% | 2,206 |
| Credit loss provision to net charge-offs | 460.5505% | 745 |
| Earnings coverage of net charge-offs (x) | 39.6239% | 1,310 |
| Efficiency ratio | 69.9213% | 2,326 |
| Assets per employee ($millions) | 6.8785% | 975 |
| Cash dividends to net income (ytd only)* | 24.5724% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,891 |
| Loan loss allowance to noncurrent loans | 231.8726% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,403 |
| Noncurrent loans to loans | 0.4283% | 3,167 |
| Net loans and leases to total assets | 77.9011% | 1,333 |
| Net loans and leases to deposits | 114.9929% | 176 |
| Net loans and leases to core deposits | 133.0327% | 278 |
| Total domestic deposits to total assets | 67.7442% | 5,342 |
| Equity capital to assets | 14.1300% | 899 |
| Core capital (leverage) ratio | 14.2012% | 851 |
| Tier 1 risk-based capital ratio | 16.6763% | 2,205 |
| Total risk-based capital ratio | 17.6581% | 2,235 |
| Memoranda: | ||
| Average total assets | $852,327,000 | 892 |
| Average earning assets | $810,085,000 | 868 |
| Average equity | $122,597,670 | 699 |
| Average total loans | $675,850,000 | 815 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 2,894 |
| Cost of funding earning assets | 0.7982% | 961 |
| Net interest margin | 3.3989% | 3,889 |
| Noninterest income to average assets | 0.1723% | 4,990 |
| Noninterest expense to average assets | 2.2500% | 4,295 |
| Loan and lease loss provision to assets | 0.0947% | 1,931 |
| Net operating income to assets | 0.7926% | 3,732 |
| Return on assets (ROA) | 1.0909% | 2,479 |
| Pretax return on assets | 1.4421% | 1,859 |
| Return on Equity (ROE) | 7.5164% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.9588% | 2,295 |
| Net charge-offs to loans | -0.0018% | 3,800 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0003% | 3,155 |
| Assets per employee ($millions) | 7.2113% | 881 |
| Cash dividends to net income (ytd only)* | 7.4187% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 4,117 |
| Loan loss allowance to noncurrent loans | 294.9373% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 3,820 |
| Noncurrent loans to loans | 0.3288% | 3,589 |
| Net loans and leases to total assets | 78.9998% | 1,082 |
| Net loans and leases to deposits | 123.1331% | 86 |
| Net loans and leases to core deposits | 145.5756% | 159 |
| Total domestic deposits to total assets | 64.1580% | 5,484 |
| Equity capital to assets | 14.4063% | 797 |
| Core capital (leverage) ratio | 14.4593% | 774 |
| Tier 1 risk-based capital ratio | 16.6267% | 2,238 |
| Total risk-based capital ratio | 17.5845% | 2,291 |
| Memoranda: | ||
| Average total assets | $845,143,000 | 902 |
| Average earning assets | $804,847,500 | 879 |
| Average equity | $122,664,500 | 702 |
| Average total loans | $672,806,000 | 813 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,258 |
| Cost of funding earning assets | 0.6393% | 1,360 |
| Net interest margin | 3.4062% | 3,831 |
| Noninterest income to average assets | 0.1924% | 4,991 |
| Noninterest expense to average assets | 2.4945% | 3,803 |
| Loan and lease loss provision to assets | 0.0286% | 3,699 |
| Net operating income to assets | 0.5246% | 4,311 |
| Return on assets (ROA) | 0.7053% | 3,633 |
| Pretax return on assets | 1.1872% | 2,817 |
| Return on Equity (ROE) | 4.5794% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.9856% | 3,513 |
| Net charge-offs to loans | -0.0013% | 4,506 |
| Credit loss provision to net charge-offs | -2,812.5000% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7707% | 2,106 |
| Assets per employee ($millions) | 6.9946% | 970 |
| Cash dividends to net income (ytd only)* | 34.8037% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 4,177 |
| Loan loss allowance to noncurrent loans | 393.5842% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 4,169 |
| Noncurrent loans to loans | 0.2431% | 3,929 |
| Net loans and leases to total assets | 78.6813% | 1,188 |
| Net loans and leases to deposits | 121.4561% | 96 |
| Net loans and leases to core deposits | 139.6842% | 216 |
| Total domestic deposits to total assets | 64.7817% | 5,539 |
| Equity capital to assets | 14.6233% | 749 |
| Core capital (leverage) ratio | 14.6972% | 682 |
| Tier 1 risk-based capital ratio | 16.6857% | 2,209 |
| Total risk-based capital ratio | 17.6349% | 2,240 |
| Memoranda: | ||
| Average total assets | $787,452,800 | 945 |
| Average earning assets | $747,993,000 | 920 |
| Average equity | $121,282,800 | 678 |
| Average total loans | $621,936,400 | 842 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,184 |
| Cost of funding earning assets | 0.6089% | 1,470 |
| Net interest margin | 3.4387% | 3,712 |
| Noninterest income to average assets | 0.2000% | 5,008 |
| Noninterest expense to average assets | 2.3392% | 4,190 |
| Loan and lease loss provision to assets | 0.0086% | 3,956 |
| Net operating income to assets | 0.7256% | 3,846 |
| Return on assets (ROA) | 0.8575% | 3,293 |
| Pretax return on assets | 1.3197% | 2,395 |
| Return on Equity (ROE) | 5.4923% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.9078% | 3,597 |
| Net charge-offs to loans | -0.0011% | 4,275 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5180% | 2,961 |
| Assets per employee ($millions) | 7.0447% | 932 |
| Cash dividends to net income (ytd only)* | 28.8496% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 4,115 |
| Loan loss allowance to noncurrent loans | 274.9113% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,935 |
| Noncurrent loans to loans | 0.3604% | 3,660 |
| Net loans and leases to total assets | 77.8546% | 1,290 |
| Net loans and leases to deposits | 119.0012% | 112 |
| Net loans and leases to core deposits | 134.0112% | 283 |
| Total domestic deposits to total assets | 65.4234% | 5,603 |
| Equity capital to assets | 15.4898% | 631 |
| Core capital (leverage) ratio | 15.3985% | 594 |
| Tier 1 risk-based capital ratio | 17.5710% | 1,989 |
| Total risk-based capital ratio | 18.5388% | 2,024 |
| Memoranda: | ||
| Average total assets | $774,479,000 | 963 |
| Average earning assets | $735,266,750 | 941 |
| Average equity | $120,918,500 | 681 |
| Average total loans | $610,723,000 | 864 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 3,135 |
| Cost of funding earning assets | 0.5839% | 1,552 |
| Net interest margin | 3.4364% | 3,642 |
| Noninterest income to average assets | 0.2226% | 4,916 |
| Noninterest expense to average assets | 2.3227% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7549% | 3,615 |
| Return on assets (ROA) | 0.8667% | 3,145 |
| Pretax return on assets | 1.3330% | 2,259 |
| Return on Equity (ROE) | 5.5360% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.9027% | 3,378 |
| Net charge-offs to loans | -0.0007% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6741% | 3,233 |
| Assets per employee ($millions) | 6.5945% | 1,101 |
| Cash dividends to net income (ytd only)* | 29.5038% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,083 |
| Loan loss allowance to noncurrent loans | 335.0954% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 4,205 |
| Noncurrent loans to loans | 0.3014% | 3,961 |
| Net loans and leases to total assets | 77.4558% | 1,322 |
| Net loans and leases to deposits | 115.3802% | 172 |
| Net loans and leases to core deposits | 129.7692% | 313 |
| Total domestic deposits to total assets | 67.1309% | 5,617 |
| Equity capital to assets | 15.6327% | 585 |
| Core capital (leverage) ratio | 15.5293% | 541 |
| Tier 1 risk-based capital ratio | 17.9006% | 1,883 |
| Total risk-based capital ratio | 18.8875% | 1,918 |
| Memoranda: | ||
| Average total assets | $767,288,000 | 978 |
| Average earning assets | $728,145,670 | 954 |
| Average equity | $120,122,330 | 690 |
| Average total loans | $605,642,330 | 872 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,021 |
| Cost of funding earning assets | 0.5653% | 1,620 |
| Net interest margin | 3.4403% | 3,480 |
| Noninterest income to average assets | 0.1937% | 5,109 |
| Noninterest expense to average assets | 2.2261% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8014% | 3,217 |
| Return on assets (ROA) | 0.9472% | 2,595 |
| Pretax return on assets | 1.4638% | 1,649 |
| Return on Equity (ROE) | 6.0456% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.5710% | 3,141 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2327% | 3,793 |
| Assets per employee ($millions) | 6.6201% | 1,126 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 4,160 |
| Loan loss allowance to noncurrent loans | 321.8325% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,203 |
| Noncurrent loans to loans | 0.3170% | 3,985 |
| Net loans and leases to total assets | 78.3290% | 1,081 |
| Net loans and leases to deposits | 116.5681% | 113 |
| Net loans and leases to core deposits | 131.9252% | 236 |
| Total domestic deposits to total assets | 67.1959% | 5,690 |
| Equity capital to assets | 15.7811% | 526 |
| Core capital (leverage) ratio | 15.5583% | 517 |
| Tier 1 risk-based capital ratio | 18.0267% | 1,866 |
| Total risk-based capital ratio | 19.0277% | 1,897 |
| Memoranda: | ||
| Average total assets | $761,857,000 | 983 |
| Average earning assets | $724,587,500 | 956 |
| Average equity | $119,360,500 | 691 |
| Average total loans | $604,028,000 | 875 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,069 |
| Cost of funding earning assets | 0.6226% | 1,189 |
| Net interest margin | 3.4153% | 3,766 |
| Noninterest income to average assets | 0.2175% | 5,112 |
| Noninterest expense to average assets | 2.3441% | 4,437 |
| Loan and lease loss provision to assets | 0.0266% | 3,821 |
| Net operating income to assets | 0.7091% | 3,741 |
| Return on assets (ROA) | 0.7807% | 3,500 |
| Pretax return on assets | 1.2003% | 2,675 |
| Return on Equity (ROE) | 5.0523% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.6497% | 3,322 |
| Net charge-offs to loans | -0.0118% | 4,981 |
| Credit loss provision to net charge-offs | -285.7143% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7328% | 3,294 |
| Assets per employee ($millions) | 6.7469% | 1,031 |
| Cash dividends to net income (ytd only)* | 27.7607% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 4,225 |
| Loan loss allowance to noncurrent loans | 482.8751% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,653 |
| Noncurrent loans to loans | 0.2102% | 4,400 |
| Net loans and leases to total assets | 78.6244% | 1,103 |
| Net loans and leases to deposits | 117.0014% | 120 |
| Net loans and leases to core deposits | 133.8718% | 238 |
| Total domestic deposits to total assets | 67.1995% | 5,737 |
| Equity capital to assets | 15.5532% | 553 |
| Core capital (leverage) ratio | 15.3042% | 561 |
| Tier 1 risk-based capital ratio | 17.7416% | 1,928 |
| Total risk-based capital ratio | 18.7526% | 1,962 |
| Memoranda: | ||
| Average total assets | $751,672,200 | 964 |
| Average earning assets | $713,807,800 | 932 |
| Average equity | $116,146,000 | 690 |
| Average total loans | $590,929,400 | 843 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,134 |
| Cost of funding earning assets | 0.6335% | 1,119 |
| Net interest margin | 3.3899% | 3,887 |
| Noninterest income to average assets | 0.2108% | 5,205 |
| Noninterest expense to average assets | 2.2855% | 4,571 |
| Loan and lease loss provision to assets | 0.0668% | 2,885 |
| Net operating income to assets | 0.6980% | 3,858 |
| Return on assets (ROA) | 0.7834% | 3,584 |
| Pretax return on assets | 1.2087% | 2,804 |
| Return on Equity (ROE) | 5.0787% | 4,483 |
| Retained earnings to average equity (ytd only) | 3.7909% | 3,616 |
| Net charge-offs to loans | -0.0145% | 4,901 |
| Credit loss provision to net charge-offs | -585.9375% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6407% | 3,478 |
| Assets per employee ($millions) | 6.8610% | 940 |
| Cash dividends to net income (ytd only)* | 25.3578% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 4,206 |
| Loan loss allowance to noncurrent loans | 250.4362% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 4,088 |
| Noncurrent loans to loans | 0.4136% | 3,792 |
| Net loans and leases to total assets | 78.5253% | 1,115 |
| Net loans and leases to deposits | 116.8148% | 146 |
| Net loans and leases to core deposits | 133.2928% | 256 |
| Total domestic deposits to total assets | 67.2220% | 5,788 |
| Equity capital to assets | 15.2733% | 678 |
| Core capital (leverage) ratio | 15.4354% | 564 |
| Tier 1 risk-based capital ratio | 17.7760% | 1,984 |
| Total risk-based capital ratio | 18.8226% | 2,013 |
| Memoranda: | ||
| Average total assets | $748,990,750 | 966 |
| Average earning assets | $711,188,500 | 938 |
| Average equity | $115,538,250 | 696 |
| Average total loans | $587,267,250 | 849 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,042 |
| Cost of funding earning assets | 0.6521% | 1,047 |
| Net interest margin | 3.4030% | 3,881 |
| Noninterest income to average assets | 0.1929% | 5,339 |
| Noninterest expense to average assets | 2.3052% | 4,596 |
| Loan and lease loss provision to assets | 0.0857% | 2,435 |
| Net operating income to assets | 0.6743% | 3,937 |
| Return on assets (ROA) | 0.7246% | 3,832 |
| Pretax return on assets | 1.1081% | 3,167 |
| Return on Equity (ROE) | 4.6811% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.5135% | 3,663 |
| Net charge-offs to loans | -0.0145% | 4,830 |
| Credit loss provision to net charge-offs | -757.1429% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3699% | 3,470 |
| Assets per employee ($millions) | 6.6181% | 1,036 |
| Cash dividends to net income (ytd only)* | 24.9442% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 4,172 |
| Loan loss allowance to noncurrent loans | 238.5998% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 4,113 |
| Noncurrent loans to loans | 0.4440% | 3,778 |
| Net loans and leases to total assets | 76.5429% | 1,407 |
| Net loans and leases to deposits | 117.1701% | 135 |
| Net loans and leases to core deposits | 135.3873% | 228 |
| Total domestic deposits to total assets | 65.3263% | 5,908 |
| Equity capital to assets | 15.2812% | 676 |
| Core capital (leverage) ratio | 15.4707% | 531 |
| Tier 1 risk-based capital ratio | 18.0703% | 1,913 |
| Total risk-based capital ratio | 19.1329% | 1,925 |
| Memoranda: | ||
| Average total assets | $742,510,000 | 975 |
| Average earning assets | $704,493,000 | 947 |
| Average equity | $114,929,330 | 697 |
| Average total loans | $579,779,670 | 857 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 2,905 |
| Cost of funding earning assets | 0.6704% | 948 |
| Net interest margin | 3.4142% | 3,824 |
| Noninterest income to average assets | 0.1653% | 5,500 |
| Noninterest expense to average assets | 2.3000% | 4,665 |
| Loan and lease loss provision to assets | 0.0889% | 2,198 |
| Net operating income to assets | 0.6572% | 3,945 |
| Return on assets (ROA) | 0.6579% | 4,061 |
| Pretax return on assets | 1.0169% | 3,415 |
| Return on Equity (ROE) | 4.2226% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.1372% | 3,950 |
| Net charge-offs to loans | -0.0271% | 5,020 |
| Credit loss provision to net charge-offs | -417.9487% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5533% | 3,534 |
| Assets per employee ($millions) | 6.5105% | 1,106 |
| Cash dividends to net income (ytd only)* | 25.7048% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 4,365 |
| Loan loss allowance to noncurrent loans | 171.4810% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 3,675 |
| Noncurrent loans to loans | 0.6090% | 3,349 |
| Net loans and leases to total assets | 78.2942% | 1,065 |
| Net loans and leases to deposits | 116.0804% | 127 |
| Net loans and leases to core deposits | 134.4360% | 223 |
| Total domestic deposits to total assets | 67.4483% | 5,938 |
| Equity capital to assets | 15.6244% | 577 |
| Core capital (leverage) ratio | 15.5919% | 521 |
| Tier 1 risk-based capital ratio | 18.6000% | 1,824 |
| Total risk-based capital ratio | 19.6781% | 1,833 |
| Memoranda: | ||
| Average total assets | $733,221,500 | 987 |
| Average earning assets | $695,676,000 | 953 |
| Average equity | $114,242,500 | 699 |
| Average total loans | $575,272,000 | 855 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 2,931 |
| Cost of funding earning assets | 0.6723% | 949 |
| Net interest margin | 3.4250% | 3,817 |
| Noninterest income to average assets | 0.2023% | 5,382 |
| Noninterest expense to average assets | 2.3596% | 4,618 |
| Loan and lease loss provision to assets | 0.0871% | 2,553 |
| Net operating income to assets | 0.6535% | 4,018 |
| Return on assets (ROA) | 0.6963% | 3,935 |
| Pretax return on assets | 1.0662% | 3,204 |
| Return on Equity (ROE) | 4.4575% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.0032% | 3,926 |
| Net charge-offs to loans | 0.0406% | 3,410 |
| Credit loss provision to net charge-offs | 275.1092% | 1,054 |
| Earnings coverage of net charge-offs (x) | 34.3406% | 1,317 |
| Efficiency ratio | 68.4544% | 3,484 |
| Assets per employee ($millions) | 6.1929% | 1,262 |
| Cash dividends to net income (ytd only)* | 32.6251% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,417 |
| Loan loss allowance to noncurrent loans | 144.2917% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 3,425 |
| Noncurrent loans to loans | 0.7165% | 3,033 |
| Net loans and leases to total assets | 76.9870% | 1,254 |
| Net loans and leases to deposits | 111.2203% | 216 |
| Net loans and leases to core deposits | 130.9269% | 256 |
| Total domestic deposits to total assets | 69.2203% | 5,927 |
| Equity capital to assets | 15.5372% | 591 |
| Core capital (leverage) ratio | 15.6383% | 513 |
| Tier 1 risk-based capital ratio | 18.8858% | 1,726 |
| Total risk-based capital ratio | 19.9547% | 1,729 |
| Memoranda: | ||
| Average total assets | $723,216,000 | 961 |
| Average earning assets | $685,135,200 | 932 |
| Average equity | $112,978,000 | 679 |
| Average total loans | $564,128,000 | 829 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 2,886 |
| Cost of funding earning assets | 0.6747% | 957 |
| Net interest margin | 3.4389% | 3,802 |
| Noninterest income to average assets | 0.2096% | 5,395 |
| Noninterest expense to average assets | 2.3377% | 4,684 |
| Loan and lease loss provision to assets | 0.0832% | 2,509 |
| Net operating income to assets | 0.6847% | 3,968 |
| Return on assets (ROA) | 0.7394% | 3,826 |
| Pretax return on assets | 1.1305% | 3,095 |
| Return on Equity (ROE) | 4.7264% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.2742% | 4,134 |
| Net charge-offs to loans | 0.0474% | 2,946 |
| Credit loss provision to net charge-offs | 225.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 30.5550% | 1,472 |
| Efficiency ratio | 67.4219% | 3,647 |
| Assets per employee ($millions) | 6.3168% | 1,170 |
| Cash dividends to net income (ytd only)* | 30.7251% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 4,707 |
| Loan loss allowance to noncurrent loans | 112.0987% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 3,165 |
| Noncurrent loans to loans | 0.8992% | 2,721 |
| Net loans and leases to total assets | 76.7397% | 1,284 |
| Net loans and leases to deposits | 112.9324% | 188 |
| Net loans and leases to core deposits | 135.4485% | 213 |
| Total domestic deposits to total assets | 67.9519% | 6,041 |
| Equity capital to assets | 15.4463% | 653 |
| Core capital (leverage) ratio | 15.6241% | 543 |
| Tier 1 risk-based capital ratio | 18.6105% | 1,874 |
| Total risk-based capital ratio | 19.6525% | 1,882 |
| Memoranda: | ||
| Average total assets | $721,330,500 | 966 |
| Average earning assets | $683,311,750 | 941 |
| Average equity | $112,837,750 | 685 |
| Average total loans | $563,043,500 | 839 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 2,751 |
| Cost of funding earning assets | 0.6702% | 995 |
| Net interest margin | 3.4702% | 3,617 |
| Noninterest income to average assets | 0.2093% | 5,434 |
| Noninterest expense to average assets | 2.3386% | 4,749 |
| Loan and lease loss provision to assets | 0.1029% | 2,116 |
| Net operating income to assets | 0.6919% | 3,926 |
| Return on assets (ROA) | 0.7303% | 3,852 |
| Pretax return on assets | 1.1175% | 3,101 |
| Return on Equity (ROE) | 4.6486% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.2025% | 4,008 |
| Net charge-offs to loans | 0.0627% | 2,482 |
| Credit loss provision to net charge-offs | 209.6591% | 1,185 |
| Earnings coverage of net charge-offs (x) | 23.6705% | 1,601 |
| Efficiency ratio | 66.8206% | 3,863 |
| Assets per employee ($millions) | 6.4844% | 1,059 |
| Cash dividends to net income (ytd only)* | 31.1069% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,880 |
| Loan loss allowance to noncurrent loans | 91.1855% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 2,858 |
| Noncurrent loans to loans | 1.0949% | 2,464 |
| Net loans and leases to total assets | 76.7208% | 1,268 |
| Net loans and leases to deposits | 117.5161% | 129 |
| Net loans and leases to core deposits | 140.3716% | 166 |
| Total domestic deposits to total assets | 65.2853% | 6,185 |
| Equity capital to assets | 15.4853% | 608 |
| Core capital (leverage) ratio | 15.5865% | 528 |
| Tier 1 risk-based capital ratio | 19.9920% | 1,544 |
| Total risk-based capital ratio | 21.0924% | 1,544 |
| Memoranda: | ||
| Average total assets | $717,526,330 | 972 |
| Average earning assets | $680,355,000 | 948 |
| Average equity | $112,723,000 | 690 |
| Average total loans | $561,381,000 | 841 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 2,449 |
| Cost of funding earning assets | 0.6717% | 992 |
| Net interest margin | 3.5315% | 3,297 |
| Noninterest income to average assets | 0.1769% | 5,655 |
| Noninterest expense to average assets | 2.3546% | 4,727 |
| Loan and lease loss provision to assets | 0.1082% | 1,904 |
| Net operating income to assets | 0.6851% | 3,871 |
| Return on assets (ROA) | 0.6987% | 3,935 |
| Pretax return on assets | 1.0824% | 3,151 |
| Return on Equity (ROE) | 4.4147% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.8375% | 4,267 |
| Net charge-offs to loans | 0.1548% | 1,332 |
| Credit loss provision to net charge-offs | 88.8889% | 1,750 |
| Earnings coverage of net charge-offs (x) | 9.6111% | 1,994 |
| Efficiency ratio | 66.8106% | 4,011 |
| Assets per employee ($millions) | 6.2951% | 1,188 |
| Cash dividends to net income (ytd only)* | 35.7258% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 5,149 |
| Loan loss allowance to noncurrent loans | 140.8786% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 3,863 |
| Noncurrent loans to loans | 0.6918% | 3,547 |
| Net loans and leases to total assets | 77.8762% | 950 |
| Net loans and leases to deposits | 116.8416% | 126 |
| Net loans and leases to core deposits | 140.1144% | 155 |
| Total domestic deposits to total assets | 66.6511% | 6,231 |
| Equity capital to assets | 15.8459% | 564 |
| Core capital (leverage) ratio | 15.5590% | 525 |
| Tier 1 risk-based capital ratio | 20.0356% | 1,603 |
| Total risk-based capital ratio | 21.1088% | 1,621 |
| Memoranda: | ||
| Average total assets | $709,920,000 | 978 |
| Average earning assets | $672,911,500 | 954 |
| Average equity | $112,351,000 | 692 |
| Average total loans | $558,155,500 | 842 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 2,722 |
| Cost of funding earning assets | 0.7278% | 962 |
| Net interest margin | 3.5367% | 3,658 |
| Noninterest income to average assets | 0.1761% | 5,801 |
| Noninterest expense to average assets | 2.4013% | 4,841 |
| Loan and lease loss provision to assets | 0.0690% | 3,103 |
| Net operating income to assets | 0.6797% | 3,990 |
| Return on assets (ROA) | 0.7635% | 3,650 |
| Pretax return on assets | 1.1774% | 2,747 |
| Return on Equity (ROE) | 4.7355% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.1070% | 4,027 |
| Net charge-offs to loans | 0.0677% | 3,506 |
| Credit loss provision to net charge-offs | 130.3279% | 1,829 |
| Earnings coverage of net charge-offs (x) | 21.0984% | 1,695 |
| Efficiency ratio | 68.2392% | 3,857 |
| Assets per employee ($millions) | 6.2698% | 1,204 |
| Cash dividends to net income (ytd only)* | 34.3886% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 5,144 |
| Loan loss allowance to noncurrent loans | 198.1904% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 4,522 |
| Noncurrent loans to loans | 0.4962% | 4,169 |
| Net loans and leases to total assets | 77.8290% | 1,023 |
| Net loans and leases to deposits | 116.8942% | 128 |
| Net loans and leases to core deposits | 139.9347% | 167 |
| Total domestic deposits to total assets | 66.5807% | 6,311 |
| Equity capital to assets | 15.8057% | 563 |
| Core capital (leverage) ratio | 15.5082% | 528 |
| Tier 1 risk-based capital ratio | 20.5908% | 1,493 |
| Total risk-based capital ratio | 21.7062% | 1,487 |
| Memoranda: | ||
| Average total assets | $690,931,800 | 966 |
| Average earning assets | $653,037,800 | 944 |
| Average equity | $111,393,600 | 656 |
| Average total loans | $540,500,400 | 813 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,755 |
| Cost of funding earning assets | 0.7423% | 933 |
| Net interest margin | 3.5253% | 3,735 |
| Noninterest income to average assets | 0.1666% | 5,923 |
| Noninterest expense to average assets | 2.4217% | 4,755 |
| Loan and lease loss provision to assets | 0.0740% | 2,861 |
| Net operating income to assets | 0.6537% | 4,201 |
| Return on assets (ROA) | 0.7374% | 3,847 |
| Pretax return on assets | 1.1301% | 3,070 |
| Return on Equity (ROE) | 4.5507% | 4,938 |
| Retained earnings to average equity (ytd only) | 2.8740% | 4,553 |
| Net charge-offs to loans | 0.0810% | 3,041 |
| Credit loss provision to net charge-offs | 116.8712% | 1,952 |
| Earnings coverage of net charge-offs (x) | 16.9845% | 1,932 |
| Efficiency ratio | 69.2508% | 3,634 |
| Assets per employee ($millions) | 6.0754% | 1,280 |
| Cash dividends to net income (ytd only)* | 36.8449% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 5,306 |
| Loan loss allowance to noncurrent loans | 113.0108% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 3,790 |
| Noncurrent loans to loans | 0.8647% | 3,404 |
| Net loans and leases to total assets | 77.9341% | 969 |
| Net loans and leases to deposits | 117.3271% | 116 |
| Net loans and leases to core deposits | 140.5661% | 149 |
| Total domestic deposits to total assets | 66.4246% | 6,396 |
| Equity capital to assets | 15.9508% | 574 |
| Core capital (leverage) ratio | 15.4775% | 544 |
| Tier 1 risk-based capital ratio | 20.1515% | 1,634 |
| Total risk-based capital ratio | 21.2435% | 1,646 |
| Memoranda: | ||
| Average total assets | $686,542,500 | 984 |
| Average earning assets | $648,594,500 | 960 |
| Average equity | $111,246,500 | 658 |
| Average total loans | $536,404,000 | 823 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,726 |
| Cost of funding earning assets | 0.7527% | 911 |
| Net interest margin | 3.5093% | 3,745 |
| Noninterest income to average assets | 0.1631% | 5,975 |
| Noninterest expense to average assets | 2.4912% | 4,602 |
| Loan and lease loss provision to assets | 0.0406% | 3,503 |
| Net operating income to assets | 0.6157% | 4,270 |
| Return on assets (ROA) | 0.7089% | 3,885 |
| Pretax return on assets | 1.0866% | 3,152 |
| Return on Equity (ROE) | 4.3515% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.4662% | 4,639 |
| Net charge-offs to loans | 0.0928% | 2,755 |
| Credit loss provision to net charge-offs | 56.0976% | 2,701 |
| Earnings coverage of net charge-offs (x) | 13.6057% | 1,969 |
| Efficiency ratio | 71.6908% | 3,398 |
| Assets per employee ($millions) | 6.3548% | 1,087 |
| Cash dividends to net income (ytd only)* | 43.3250% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 5,469 |
| Loan loss allowance to noncurrent loans | 157.4423% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 3,981 |
| Noncurrent loans to loans | 0.6181% | 4,170 |
| Net loans and leases to total assets | 77.2237% | 1,022 |
| Net loans and leases to deposits | 114.8018% | 134 |
| Net loans and leases to core deposits | 137.5871% | 151 |
| Total domestic deposits to total assets | 67.2670% | 6,447 |
| Equity capital to assets | 16.1188% | 532 |
| Core capital (leverage) ratio | 15.7641% | 511 |
| Tier 1 risk-based capital ratio | 20.3485% | 1,602 |
| Total risk-based capital ratio | 21.4497% | 1,609 |
| Memoranda: | ||
| Average total assets | $680,476,000 | 993 |
| Average earning assets | $642,180,000 | 965 |
| Average equity | $110,858,000 | 654 |
| Average total loans | $530,320,670 | 830 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 2,587 |
| Cost of funding earning assets | 0.7543% | 958 |
| Net interest margin | 3.5275% | 3,580 |
| Noninterest income to average assets | 0.1708% | 5,947 |
| Noninterest expense to average assets | 2.3809% | 4,983 |
| Loan and lease loss provision to assets | 0.0569% | 2,973 |
| Net operating income to assets | 0.6846% | 3,758 |
| Return on assets (ROA) | 0.7290% | 3,629 |
| Pretax return on assets | 1.1299% | 2,774 |
| Return on Equity (ROE) | 4.4504% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.9114% | 4,352 |
| Net charge-offs to loans | -0.0228% | 5,415 |
| Credit loss provision to net charge-offs | -320.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0339% | 4,176 |
| Assets per employee ($millions) | 6.3301% | 1,097 |
| Cash dividends to net income (ytd only)* | 34.5810% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 5,346 |
| Loan loss allowance to noncurrent loans | 151.6432% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 3,876 |
| Noncurrent loans to loans | 0.6864% | 4,153 |
| Net loans and leases to total assets | 77.0725% | 876 |
| Net loans and leases to deposits | 119.8516% | 75 |
| Net loans and leases to core deposits | 142.4317% | 120 |
| Total domestic deposits to total assets | 64.3066% | 6,581 |
| Equity capital to assets | 16.3844% | 477 |
| Core capital (leverage) ratio | 15.8661% | 495 |
| Tier 1 risk-based capital ratio | 20.7858% | 1,515 |
| Total risk-based capital ratio | 21.9429% | 1,508 |
| Memoranda: | ||
| Average total assets | $674,375,500 | 1,008 |
| Average earning assets | $636,379,500 | 976 |
| Average equity | $110,461,500 | 649 |
| Average total loans | $525,397,000 | 833 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,681 |
| Cost of funding earning assets | 0.8703% | 862 |
| Net interest margin | 3.5012% | 3,908 |
| Noninterest income to average assets | 0.1998% | 5,891 |
| Noninterest expense to average assets | 2.2209% | 5,574 |
| Loan and lease loss provision to assets | 0.0920% | 3,271 |
| Net operating income to assets | 0.7882% | 3,350 |
| Return on assets (ROA) | 0.9306% | 2,724 |
| Pretax return on assets | 1.4268% | 1,696 |
| Return on Equity (ROE) | 5.6849% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.1996% | 3,185 |
| Net charge-offs to loans | 0.0933% | 3,915 |
| Credit loss provision to net charge-offs | 127.6231% | 1,842 |
| Earnings coverage of net charge-offs (x) | 18.0385% | 1,679 |
| Efficiency ratio | 63.0834% | 5,045 |
| Assets per employee ($millions) | 5.9949% | 1,276 |
| Cash dividends to net income (ytd only)* | 26.1273% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,442 |
| Loan loss allowance to noncurrent loans | 164.8740% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 4,148 |
| Noncurrent loans to loans | 0.6219% | 4,424 |
| Net loans and leases to total assets | 77.1354% | 932 |
| Net loans and leases to deposits | 117.7346% | 84 |
| Net loans and leases to core deposits | 137.7548% | 139 |
| Total domestic deposits to total assets | 65.5163% | 6,639 |
| Equity capital to assets | 16.3752% | 469 |
| Core capital (leverage) ratio | 15.8920% | 482 |
| Tier 1 risk-based capital ratio | 20.8037% | 1,464 |
| Total risk-based capital ratio | 21.9457% | 1,462 |
| Memoranda: | ||
| Average total assets | $648,167,000 | 1,031 |
| Average earning assets | $614,760,200 | 989 |
| Average equity | $106,106,000 | 669 |
| Average total loans | $500,510,400 | 853 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,576 |
| Cost of funding earning assets | 0.8907% | 851 |
| Net interest margin | 3.5151% | 3,809 |
| Noninterest income to average assets | 0.1912% | 6,038 |
| Noninterest expense to average assets | 2.3748% | 5,097 |
| Loan and lease loss provision to assets | 0.1021% | 3,061 |
| Net operating income to assets | 0.6913% | 3,902 |
| Return on assets (ROA) | 0.7865% | 3,550 |
| Pretax return on assets | 1.1964% | 2,709 |
| Return on Equity (ROE) | 4.8046% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.2399% | 4,373 |
| Net charge-offs to loans | 0.0719% | 3,907 |
| Credit loss provision to net charge-offs | 184.2697% | 1,310 |
| Earnings coverage of net charge-offs (x) | 20.8278% | 1,571 |
| Efficiency ratio | 67.2921% | 4,235 |
| Assets per employee ($millions) | 6.4023% | 973 |
| Cash dividends to net income (ytd only)* | 32.5679% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,443 |
| Loan loss allowance to noncurrent loans | 130.1788% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 4,529 |
| Noncurrent loans to loans | 0.8222% | 4,192 |
| Net loans and leases to total assets | 76.5410% | 931 |
| Net loans and leases to deposits | 116.8239% | 91 |
| Net loans and leases to core deposits | 138.9603% | 127 |
| Total domestic deposits to total assets | 65.5183% | 6,714 |
| Equity capital to assets | 16.0981% | 539 |
| Core capital (leverage) ratio | 16.1079% | 479 |
| Tier 1 risk-based capital ratio | 21.1649% | 1,467 |
| Total risk-based capital ratio | 22.3234% | 1,459 |
| Memoranda: | ||
| Average total assets | $642,351,250 | 1,053 |
| Average earning assets | $609,967,250 | 1,009 |
| Average equity | $105,145,500 | 678 |
| Average total loans | $494,819,250 | 859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 2,453 |
| Cost of funding earning assets | 0.9145% | 832 |
| Net interest margin | 3.5167% | 3,713 |
| Noninterest income to average assets | 0.2205% | 5,862 |
| Noninterest expense to average assets | 2.3627% | 5,170 |
| Loan and lease loss provision to assets | 0.1231% | 2,783 |
| Net operating income to assets | 0.7124% | 3,746 |
| Return on assets (ROA) | 0.8312% | 3,299 |
| Pretax return on assets | 1.2525% | 2,474 |
| Return on Equity (ROE) | 5.0492% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.3642% | 4,177 |
| Net charge-offs to loans | 0.0433% | 4,073 |
| Credit loss provision to net charge-offs | 369.8113% | 700 |
| Earnings coverage of net charge-offs (x) | 35.9057% | 1,005 |
| Efficiency ratio | 66.3989% | 4,474 |
| Assets per employee ($millions) | 6.2182% | 1,064 |
| Cash dividends to net income (ytd only)* | 33.3711% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,344 |
| Loan loss allowance to noncurrent loans | 137.3290% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 4,662 |
| Noncurrent loans to loans | 0.8198% | 4,273 |
| Net loans and leases to total assets | 75.7155% | 1,015 |
| Net loans and leases to deposits | 113.8139% | 99 |
| Net loans and leases to core deposits | 136.8229% | 149 |
| Total domestic deposits to total assets | 66.5257% | 6,747 |
| Equity capital to assets | 16.4384% | 475 |
| Core capital (leverage) ratio | 16.3826% | 426 |
| Tier 1 risk-based capital ratio | 21.8101% | 1,323 |
| Total risk-based capital ratio | 23.0261% | 1,307 |
| Memoranda: | ||
| Average total assets | $636,656,000 | 1,059 |
| Average earning assets | $604,252,330 | 1,019 |
| Average equity | $104,808,330 | 684 |
| Average total loans | $489,692,000 | 862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 2,270 |
| Cost of funding earning assets | 0.9395% | 820 |
| Net interest margin | 3.5324% | 3,557 |
| Noninterest income to average assets | 0.2180% | 5,913 |
| Noninterest expense to average assets | 2.2926% | 5,447 |
| Loan and lease loss provision to assets | 0.1796% | 2,067 |
| Net operating income to assets | 0.7365% | 3,501 |
| Return on assets (ROA) | 0.9295% | 2,665 |
| Pretax return on assets | 1.3889% | 1,892 |
| Return on Equity (ROE) | 5.6421% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.9552% | 3,862 |
| Net charge-offs to loans | 0.0817% | 3,024 |
| Credit loss provision to net charge-offs | 285.0000% | 836 |
| Earnings coverage of net charge-offs (x) | 20.3200% | 1,190 |
| Efficiency ratio | 64.1623% | 4,985 |
| Assets per employee ($millions) | 6.4623% | 1,000 |
| Cash dividends to net income (ytd only)* | 29.8983% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,556 |
| Loan loss allowance to noncurrent loans | 88.1034% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 3,986 |
| Noncurrent loans to loans | 1.2622% | 3,671 |
| Net loans and leases to total assets | 76.1173% | 826 |
| Net loans and leases to deposits | 112.7498% | 102 |
| Net loans and leases to core deposits | 135.4718% | 141 |
| Total domestic deposits to total assets | 67.5099% | 6,817 |
| Equity capital to assets | 16.6706% | 470 |
| Core capital (leverage) ratio | 16.2286% | 430 |
| Tier 1 risk-based capital ratio | 21.9668% | 1,339 |
| Total risk-based capital ratio | 23.1354% | 1,324 |
| Memoranda: | ||
| Average total assets | $634,748,500 | 1,075 |
| Average earning assets | $602,873,500 | 1,036 |
| Average equity | $104,571,000 | 695 |
| Average total loans | $489,309,000 | 866 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,447 |
| Cost of funding earning assets | 1.1300% | 805 |
| Net interest margin | 3.6047% | 4,061 |
| Noninterest income to average assets | 0.1807% | 6,104 |
| Noninterest expense to average assets | 2.2660% | 5,771 |
| Loan and lease loss provision to assets | 0.3005% | 2,274 |
| Net operating income to assets | 0.6876% | 3,797 |
| Return on assets (ROA) | 0.9496% | 2,802 |
| Pretax return on assets | 1.4316% | 1,936 |
| Return on Equity (ROE) | 5.9316% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.4741% | 3,083 |
| Net charge-offs to loans | 0.3533% | 2,867 |
| Credit loss provision to net charge-offs | 109.8787% | 2,664 |
| Earnings coverage of net charge-offs (x) | 4.8821% | 3,217 |
| Efficiency ratio | 62.9261% | 5,092 |
| Assets per employee ($millions) | 6.4262% | 1,040 |
| Cash dividends to net income (ytd only)* | 24.5716% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 5,692 |
| Loan loss allowance to noncurrent loans | 110.3477% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 4,610 |
| Noncurrent loans to loans | 0.9661% | 4,265 |
| Net loans and leases to total assets | 76.3773% | 869 |
| Net loans and leases to deposits | 108.4440% | 180 |
| Net loans and leases to core deposits | 131.2810% | 175 |
| Total domestic deposits to total assets | 70.4302% | 6,772 |
| Equity capital to assets | 16.2791% | 502 |
| Core capital (leverage) ratio | 16.1453% | 436 |
| Tier 1 risk-based capital ratio | 21.8614% | 1,289 |
| Total risk-based capital ratio | 22.9962% | 1,289 |
| Memoranda: | ||
| Average total assets | $633,020,000 | 1,045 |
| Average earning assets | $600,629,400 | 999 |
| Average equity | $101,338,600 | 703 |
| Average total loans | $490,015,800 | 842 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 2,452 |
| Cost of funding earning assets | 1.1571% | 840 |
| Net interest margin | 3.6260% | 4,124 |
| Noninterest income to average assets | 0.1270% | 6,500 |
| Noninterest expense to average assets | 2.2938% | 5,695 |
| Loan and lease loss provision to assets | 0.3853% | 1,675 |
| Net operating income to assets | 0.6007% | 4,389 |
| Return on assets (ROA) | 0.9576% | 2,933 |
| Pretax return on assets | 1.4216% | 2,167 |
| Return on Equity (ROE) | 6.0076% | 4,325 |
| Retained earnings to average equity (ytd only) | 4.6171% | 3,650 |
| Net charge-offs to loans | 0.5009% | 2,114 |
| Credit loss provision to net charge-offs | 99.2935% | 3,027 |
| Earnings coverage of net charge-offs (x) | 3.2837% | 3,713 |
| Efficiency ratio | 64.2887% | 4,762 |
| Assets per employee ($millions) | 6.5253% | 944 |
| Cash dividends to net income (ytd only)* | 23.1447% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,961 |
| Loan loss allowance to noncurrent loans | 87.7845% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 4,464 |
| Noncurrent loans to loans | 1.1770% | 4,098 |
| Net loans and leases to total assets | 76.4495% | 901 |
| Net loans and leases to deposits | 107.2214% | 211 |
| Net loans and leases to core deposits | 130.6174% | 187 |
| Total domestic deposits to total assets | 71.3006% | 6,776 |
| Equity capital to assets | 16.2139% | 569 |
| Core capital (leverage) ratio | 15.9580% | 480 |
| Tier 1 risk-based capital ratio | 21.9476% | 1,336 |
| Total risk-based capital ratio | 23.0583% | 1,339 |
| Memoranda: | ||
| Average total assets | $632,227,500 | 1,052 |
| Average earning assets | $599,981,250 | 1,008 |
| Average equity | $100,781,750 | 710 |
| Average total loans | $489,734,500 | 843 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 2,376 |
| Cost of funding earning assets | 1.1859% | 872 |
| Net interest margin | 3.6454% | 4,059 |
| Noninterest income to average assets | 0.1475% | 6,458 |
| Noninterest expense to average assets | 2.4045% | 5,442 |
| Loan and lease loss provision to assets | 0.4753% | 1,338 |
| Net operating income to assets | 0.4735% | 4,937 |
| Return on assets (ROA) | 0.9867% | 2,756 |
| Pretax return on assets | 1.5045% | 1,837 |
| Return on Equity (ROE) | 6.2256% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.2712% | 3,117 |
| Net charge-offs to loans | 0.6233% | 1,764 |
| Credit loss provision to net charge-offs | 98.3628% | 2,818 |
| Earnings coverage of net charge-offs (x) | 2.4879% | 3,764 |
| Efficiency ratio | 66.6667% | 4,388 |
| Assets per employee ($millions) | 6.5309% | 939 |
| Cash dividends to net income (ytd only)* | 15.3303% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,029 |
| Loan loss allowance to noncurrent loans | 81.3559% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 4,415 |
| Noncurrent loans to loans | 1.2667% | 4,019 |
| Net loans and leases to total assets | 76.4035% | 917 |
| Net loans and leases to deposits | 107.7255% | 189 |
| Net loans and leases to core deposits | 132.3843% | 200 |
| Total domestic deposits to total assets | 70.9242% | 6,858 |
| Equity capital to assets | 15.9381% | 593 |
| Core capital (leverage) ratio | 15.8942% | 472 |
| Tier 1 risk-based capital ratio | 21.6439% | 1,359 |
| Total risk-based capital ratio | 22.7460% | 1,361 |
| Memoranda: | ||
| Average total assets | $631,986,330 | 1,050 |
| Average earning assets | $599,712,000 | 1,008 |
| Average equity | $100,167,000 | 713 |
| Average total loans | $489,999,330 | 841 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 2,193 |
| Cost of funding earning assets | 1.2291% | 852 |
| Net interest margin | 3.6833% | 3,909 |
| Noninterest income to average assets | 0.0970% | 6,760 |
| Noninterest expense to average assets | 2.2401% | 5,939 |
| Loan and lease loss provision to assets | 0.8884% | 501 |
| Net operating income to assets | 0.3180% | 5,598 |
| Return on assets (ROA) | 0.7649% | 3,781 |
| Pretax return on assets | 1.1235% | 3,226 |
| Return on Equity (ROE) | 4.8393% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.3742% | 3,970 |
| Net charge-offs to loans | 1.2364% | 821 |
| Credit loss provision to net charge-offs | 92.4802% | 2,505 |
| Earnings coverage of net charge-offs (x) | 1.4103% | 3,619 |
| Efficiency ratio | 62.3127% | 5,216 |
| Assets per employee ($millions) | 6.5405% | 953 |
| Cash dividends to net income (ytd only)* | 9.6106% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 6,181 |
| Loan loss allowance to noncurrent loans | 94.0361% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 4,856 |
| Noncurrent loans to loans | 1.0822% | 4,531 |
| Net loans and leases to total assets | 76.6937% | 729 |
| Net loans and leases to deposits | 104.9334% | 233 |
| Net loans and leases to core deposits | 130.3813% | 197 |
| Total domestic deposits to total assets | 73.0879% | 6,823 |
| Equity capital to assets | 16.0434% | 571 |
| Core capital (leverage) ratio | 15.5755% | 519 |
| Tier 1 risk-based capital ratio | 21.6097% | 1,359 |
| Total risk-based capital ratio | 22.7078% | 1,360 |
| Memoranda: | ||
| Average total assets | $631,231,500 | 1,049 |
| Average earning assets | $599,457,000 | 1,004 |
| Average equity | $99,767,000 | 717 |
| Average total loans | $490,472,500 | 842 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,506 |
| Cost of funding earning assets | 1.3947% | 1,063 |
| Net interest margin | 3.6904% | 4,342 |
| Noninterest income to average assets | 0.1679% | 6,286 |
| Noninterest expense to average assets | 2.3088% | 6,021 |
| Loan and lease loss provision to assets | 0.1438% | 4,814 |
| Net operating income to assets | 0.8062% | 3,010 |
| Return on assets (ROA) | 0.9477% | 2,547 |
| Pretax return on assets | 1.4413% | 1,649 |
| Return on Equity (ROE) | 6.1392% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.1392% | 1,937 |
| Net charge-offs to loans | 0.1474% | 4,969 |
| Credit loss provision to net charge-offs | 126.2937% | 2,463 |
| Earnings coverage of net charge-offs (x) | 12.0364% | 1,658 |
| Efficiency ratio | 62.7494% | 5,340 |
| Assets per employee ($millions) | 6.6798% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 6,097 |
| Loan loss allowance to noncurrent loans | 105.6088% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 5,136 |
| Noncurrent loans to loans | 0.9700% | 4,768 |
| Net loans and leases to total assets | 77.1191% | 810 |
| Net loans and leases to deposits | 106.2874% | 240 |
| Net loans and leases to core deposits | 133.9424% | 201 |
| Total domestic deposits to total assets | 72.5572% | 6,845 |
| Equity capital to assets | 15.5694% | 658 |
| Core capital (leverage) ratio | 15.4303% | 539 |
| Tier 1 risk-based capital ratio | 21.4303% | 1,335 |
| Total risk-based capital ratio | 22.5571% | 1,333 |
| Memoranda: | ||
| Average total assets | $627,913,400 | 1,036 |
| Average earning assets | $597,473,400 | 981 |
| Average equity | $96,934,200 | 709 |
| Average total loans | $485,109,200 | 859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 2,622 |
| Cost of funding earning assets | 1.4312% | 1,101 |
| Net interest margin | 3.6649% | 4,502 |
| Noninterest income to average assets | 0.1373% | 6,562 |
| Noninterest expense to average assets | 2.1286% | 6,455 |
| Loan and lease loss provision to assets | 0.1173% | 4,970 |
| Net operating income to assets | 0.9068% | 2,715 |
| Return on assets (ROA) | 0.9421% | 2,725 |
| Pretax return on assets | 1.4345% | 1,832 |
| Return on Equity (ROE) | 6.1159% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.1159% | 2,482 |
| Net charge-offs to loans | 0.1814% | 4,347 |
| Credit loss provision to net charge-offs | 83.8661% | 4,009 |
| Earnings coverage of net charge-offs (x) | 10.7123% | 1,881 |
| Efficiency ratio | 58.6875% | 5,904 |
| Assets per employee ($millions) | 6.6542% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 6,368 |
| Loan loss allowance to noncurrent loans | 183.5000% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 6,051 |
| Noncurrent loans to loans | 0.5322% | 5,791 |
| Net loans and leases to total assets | 76.5238% | 906 |
| Net loans and leases to deposits | 104.7189% | 293 |
| Net loans and leases to core deposits | 133.0123% | 217 |
| Total domestic deposits to total assets | 73.0755% | 6,849 |
| Equity capital to assets | 15.3716% | 756 |
| Core capital (leverage) ratio | 15.2519% | 615 |
| Tier 1 risk-based capital ratio | 21.4888% | 1,373 |
| Total risk-based capital ratio | 22.5680% | 1,377 |
| Memoranda: | ||
| Average total assets | $626,247,500 | 1,046 |
| Average earning assets | $596,316,750 | 994 |
| Average equity | $96,467,750 | 715 |
| Average total loans | $482,775,250 | 878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 2,602 |
| Cost of funding earning assets | 1.4576% | 1,170 |
| Net interest margin | 3.6588% | 4,481 |
| Noninterest income to average assets | 0.1317% | 6,663 |
| Noninterest expense to average assets | 2.0648% | 6,665 |
| Loan and lease loss provision to assets | 0.1124% | 4,889 |
| Net operating income to assets | 0.9436% | 2,465 |
| Return on assets (ROA) | 0.9742% | 2,439 |
| Pretax return on assets | 1.4846% | 1,577 |
| Return on Equity (ROE) | 6.3201% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.3201% | 2,233 |
| Net charge-offs to loans | 0.1922% | 4,006 |
| Credit loss provision to net charge-offs | 75.9740% | 3,885 |
| Earnings coverage of net charge-offs (x) | 10.4762% | 1,804 |
| Efficiency ratio | 57.1112% | 6,279 |
| Assets per employee ($millions) | 6.4198% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 6,419 |
| Loan loss allowance to noncurrent loans | 260.1528% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 6,406 |
| Noncurrent loans to loans | 0.3765% | 6,148 |
| Net loans and leases to total assets | 76.5772% | 987 |
| Net loans and leases to deposits | 105.6848% | 276 |
| Net loans and leases to core deposits | 137.3488% | 204 |
| Total domestic deposits to total assets | 72.4581% | 6,979 |
| Equity capital to assets | 15.5881% | 686 |
| Core capital (leverage) ratio | 15.1878% | 632 |
| Tier 1 risk-based capital ratio | 21.2561% | 1,374 |
| Total risk-based capital ratio | 22.3383% | 1,383 |
| Memoranda: | ||
| Average total assets | $624,279,330 | 1,060 |
| Average earning assets | $594,407,670 | 1,005 |
| Average equity | $96,233,000 | 710 |
| Average total loans | $480,861,000 | 902 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1670% | 2,366 |
| Cost of funding earning assets | 1.4703% | 1,296 |
| Net interest margin | 3.6967% | 4,128 |
| Noninterest income to average assets | 0.1280% | 6,781 |
| Noninterest expense to average assets | 1.9522% | 6,903 |
| Loan and lease loss provision to assets | 0.2258% | 3,402 |
| Net operating income to assets | 0.9630% | 2,304 |
| Return on assets (ROA) | 0.9880% | 2,279 |
| Pretax return on assets | 1.5071% | 1,427 |
| Return on Equity (ROE) | 6.4461% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.4461% | 2,396 |
| Net charge-offs to loans | 0.3665% | 2,598 |
| Credit loss provision to net charge-offs | 80.1370% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.0160% | 2,165 |
| Efficiency ratio | 53.5273% | 6,740 |
| Assets per employee ($millions) | 6.4255% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,404 |
| Loan loss allowance to noncurrent loans | 124.3833% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 5,728 |
| Noncurrent loans to loans | 0.8022% | 5,429 |
| Net loans and leases to total assets | 76.2498% | 999 |
| Net loans and leases to deposits | 105.9332% | 252 |
| Net loans and leases to core deposits | 137.0641% | 219 |
| Total domestic deposits to total assets | 71.9791% | 7,079 |
| Equity capital to assets | 15.4426% | 671 |
| Core capital (leverage) ratio | 15.0303% | 663 |
| Tier 1 risk-based capital ratio | 21.2630% | 1,353 |
| Total risk-based capital ratio | 22.3687% | 1,340 |
| Memoranda: | ||
| Average total assets | $621,849,500 | 1,069 |
| Average earning assets | $591,983,500 | 1,013 |
| Average equity | $95,314,000 | 709 |
| Average total loans | $478,020,000 | 915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 2,940 |
| Cost of funding earning assets | 1.7705% | 1,298 |
| Net interest margin | 3.5681% | 4,970 |
| Noninterest income to average assets | 0.1916% | 6,393 |
| Noninterest expense to average assets | 2.0949% | 6,860 |
| Loan and lease loss provision to assets | 0.0284% | 6,843 |
| Net operating income to assets | 0.9533% | 2,193 |
| Return on assets (ROA) | 1.0562% | 1,947 |
| Pretax return on assets | 1.5947% | 1,141 |
| Return on Equity (ROE) | 7.1757% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.1757% | 1,252 |
| Net charge-offs to loans | 0.0583% | 6,208 |
| Credit loss provision to net charge-offs | 63.4058% | 6,019 |
| Earnings coverage of net charge-offs (x) | 32.7464% | 683 |
| Efficiency ratio | 58.8096% | 6,233 |
| Assets per employee ($millions) | 6.3961% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 6,262 |
| Loan loss allowance to noncurrent loans | 87.1671% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 5,217 |
| Noncurrent loans to loans | 1.1754% | 4,756 |
| Net loans and leases to total assets | 75.9363% | 1,285 |
| Net loans and leases to deposits | 103.2562% | 434 |
| Net loans and leases to core deposits | 129.4009% | 341 |
| Total domestic deposits to total assets | 73.5417% | 6,945 |
| Equity capital to assets | 15.2118% | 742 |
| Core capital (leverage) ratio | 14.6679% | 717 |
| Tier 1 risk-based capital ratio | 20.9717% | 1,319 |
| Total risk-based capital ratio | 22.1010% | 1,320 |
| Memoranda: | ||
| Average total assets | $615,985,400 | 1,085 |
| Average earning assets | $581,875,800 | 1,037 |
| Average equity | $90,667,600 | 738 |
| Average total loans | $473,301,800 | 950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3760% | 2,990 |
| Cost of funding earning assets | 1.7318% | 1,714 |
| Net interest margin | 3.6443% | 4,659 |
| Noninterest income to average assets | 0.1631% | 6,699 |
| Noninterest expense to average assets | 2.1055% | 6,836 |
| Loan and lease loss provision to assets | 0.0379% | 6,700 |
| Net operating income to assets | 0.9438% | 2,437 |
| Return on assets (ROA) | 1.0246% | 2,263 |
| Pretax return on assets | 1.5799% | 1,394 |
| Return on Equity (ROE) | 7.0201% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.0201% | 1,832 |
| Net charge-offs to loans | 0.0516% | 6,010 |
| Credit loss provision to net charge-offs | 95.6284% | 4,537 |
| Earnings coverage of net charge-offs (x) | 37.6399% | 722 |
| Efficiency ratio | 58.5010% | 6,187 |
| Assets per employee ($millions) | 6.5909% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 6,226 |
| Loan loss allowance to noncurrent loans | 114.3054% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,727 |
| Noncurrent loans to loans | 0.9085% | 5,430 |
| Net loans and leases to total assets | 75.6432% | 1,470 |
| Net loans and leases to deposits | 104.2648% | 418 |
| Net loans and leases to core deposits | 131.9185% | 352 |
| Total domestic deposits to total assets | 72.5492% | 7,074 |
| Equity capital to assets | 14.8661% | 927 |
| Core capital (leverage) ratio | 14.3640% | 839 |
| Tier 1 risk-based capital ratio | 20.5709% | 1,428 |
| Total risk-based capital ratio | 21.7310% | 1,433 |
| Memoranda: | ||
| Average total assets | $614,875,500 | 1,092 |
| Average earning assets | $579,743,000 | 1,046 |
| Average equity | $89,740,000 | 741 |
| Average total loans | $472,626,000 | 959 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 2,898 |
| Cost of funding earning assets | 1.7540% | 1,846 |
| Net interest margin | 3.6640% | 4,526 |
| Noninterest income to average assets | 0.1869% | 6,564 |
| Noninterest expense to average assets | 2.0755% | 6,969 |
| Loan and lease loss provision to assets | 0.0573% | 6,383 |
| Net operating income to assets | 1.0044% | 2,177 |
| Return on assets (ROA) | 1.1140% | 1,876 |
| Pretax return on assets | 1.6681% | 1,120 |
| Return on Equity (ROE) | 7.6817% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.6817% | 1,560 |
| Net charge-offs to loans | 0.1186% | 4,994 |
| Credit loss provision to net charge-offs | 62.7240% | 5,139 |
| Earnings coverage of net charge-offs (x) | 17.1039% | 1,366 |
| Efficiency ratio | 57.0632% | 6,502 |
| Assets per employee ($millions) | 6.4256% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 6,290 |
| Loan loss allowance to noncurrent loans | 92.1535% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 5,402 |
| Noncurrent loans to loans | 1.1128% | 5,099 |
| Net loans and leases to total assets | 76.2617% | 1,436 |
| Net loans and leases to deposits | 105.6368% | 411 |
| Net loans and leases to core deposits | 133.9708% | 365 |
| Total domestic deposits to total assets | 72.1924% | 7,170 |
| Equity capital to assets | 14.4582% | 1,026 |
| Core capital (leverage) ratio | 14.3676% | 843 |
| Tier 1 risk-based capital ratio | 20.4942% | 1,433 |
| Total risk-based capital ratio | 21.6448% | 1,419 |
| Memoranda: | ||
| Average total assets | $611,121,330 | 1,104 |
| Average earning assets | $575,494,330 | 1,065 |
| Average equity | $88,626,000 | 737 |
| Average total loans | $470,634,330 | 974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 3,314 |
| Cost of funding earning assets | 1.7825% | 1,957 |
| Net interest margin | 3.5636% | 4,886 |
| Noninterest income to average assets | 0.1059% | 7,174 |
| Noninterest expense to average assets | 2.0584% | 7,042 |
| Loan and lease loss provision to assets | 0.1151% | 5,459 |
| Net operating income to assets | 0.8460% | 2,768 |
| Return on assets (ROA) | 1.0969% | 1,921 |
| Pretax return on assets | 1.6690% | 1,121 |
| Return on Equity (ROE) | 7.5521% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.5521% | 1,900 |
| Net charge-offs to loans | 0.2323% | 3,537 |
| Credit loss provision to net charge-offs | 64.3382% | 4,220 |
| Earnings coverage of net charge-offs (x) | 7.8493% | 2,028 |
| Efficiency ratio | 59.4492% | 6,268 |
| Assets per employee ($millions) | 6.3901% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,275 |
| Loan loss allowance to noncurrent loans | 91.9382% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 5,409 |
| Noncurrent loans to loans | 1.1331% | 5,096 |
| Net loans and leases to total assets | 76.3774% | 1,464 |
| Net loans and leases to deposits | 107.1495% | 377 |
| Net loans and leases to core deposits | 136.5716% | 375 |
| Total domestic deposits to total assets | 71.2812% | 7,324 |
| Equity capital to assets | 14.7287% | 946 |
| Core capital (leverage) ratio | 14.1531% | 922 |
| Tier 1 risk-based capital ratio | 20.4178% | 1,445 |
| Total risk-based capital ratio | 21.5892% | 1,424 |
| Memoranda: | ||
| Average total assets | $608,254,000 | 1,132 |
| Average earning assets | $572,910,000 | 1,097 |
| Average equity | $88,346,000 | 742 |
| Average total loans | $468,302,000 | 1,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 3,883 |
| Cost of funding earning assets | 2.2071% | 1,996 |
| Net interest margin | 3.3415% | 5,579 |
| Noninterest income to average assets | 0.2977% | 5,970 |
| Noninterest expense to average assets | 2.0811% | 7,222 |
| Loan and lease loss provision to assets | 0.1210% | 6,431 |
| Net operating income to assets | 0.9268% | 2,086 |
| Return on assets (ROA) | 0.8285% | 2,509 |
| Pretax return on assets | 1.0943% | 2,274 |
| Return on Equity (ROE) | 6.1664% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.1664% | 1,289 |
| Net charge-offs to loans | 0.1269% | 5,924 |
| Credit loss provision to net charge-offs | 123.8095% | 4,251 |
| Earnings coverage of net charge-offs (x) | 13.7568% | 1,408 |
| Efficiency ratio | 60.7483% | 6,366 |
| Assets per employee ($millions) | 6.0945% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 6,073 |
| Loan loss allowance to noncurrent loans | 73.7919% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 4,817 |
| Noncurrent loans to loans | 1.4412% | 4,508 |
| Net loans and leases to total assets | 75.9849% | 1,801 |
| Net loans and leases to deposits | 108.9003% | 422 |
| Net loans and leases to core deposits | 131.2286% | 1,216 |
| Total domestic deposits to total assets | 69.7747% | 7,443 |
| Equity capital to assets | 14.3211% | 1,073 |
| Core capital (leverage) ratio | 13.7691% | 1,026 |
| Tier 1 risk-based capital ratio | 19.7122% | 1,514 |
| Total risk-based capital ratio | 20.8886% | 1,495 |
| Memoranda: | ||
| Average total assets | $601,544,600 | 1,149 |
| Average earning assets | $563,127,200 | 1,120 |
| Average equity | $80,825,400 | 803 |
| Average total loans | $463,483,200 | 1,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 4,050 |
| Cost of funding earning assets | 2.2966% | 1,995 |
| Net interest margin | 3.2715% | 5,747 |
| Noninterest income to average assets | 0.2784% | 6,246 |
| Noninterest expense to average assets | 2.1706% | 7,050 |
| Loan and lease loss provision to assets | 0.1452% | 5,908 |
| Net operating income to assets | 0.6958% | 3,226 |
| Return on assets (ROA) | 0.7556% | 3,065 |
| Pretax return on assets | 1.1081% | 2,538 |
| Return on Equity (ROE) | 5.7195% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.7195% | 2,092 |
| Net charge-offs to loans | 0.0412% | 6,323 |
| Credit loss provision to net charge-offs | 456.6434% | 860 |
| Earnings coverage of net charge-offs (x) | 36.6437% | 800 |
| Efficiency ratio | 65.0690% | 5,540 |
| Assets per employee ($millions) | 6.3949% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,506 |
| Loan loss allowance to noncurrent loans | 63.3950% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.4273% | 4,249 |
| Noncurrent loans to loans | 1.7919% | 3,928 |
| Net loans and leases to total assets | 76.6125% | 1,868 |
| Net loans and leases to deposits | 113.0457% | 363 |
| Net loans and leases to core deposits | 136.6720% | 1,069 |
| Total domestic deposits to total assets | 67.7713% | 7,599 |
| Equity capital to assets | 13.8949% | 1,341 |
| Core capital (leverage) ratio | 13.5156% | 1,230 |
| Tier 1 risk-based capital ratio | 19.3056% | 1,684 |
| Total risk-based capital ratio | 20.5558% | 1,651 |
| Memoranda: | ||
| Average total assets | $599,568,250 | 1,166 |
| Average earning assets | $560,344,500 | 1,137 |
| Average equity | $79,211,750 | 829 |
| Average total loans | $462,337,000 | 1,058 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 4,075 |
| Cost of funding earning assets | 2.4292% | 1,851 |
| Net interest margin | 3.1711% | 6,012 |
| Noninterest income to average assets | 0.2905% | 6,197 |
| Noninterest expense to average assets | 2.1748% | 7,112 |
| Loan and lease loss provision to assets | 0.1009% | 6,163 |
| Net operating income to assets | 0.6604% | 3,427 |
| Return on assets (ROA) | 0.7174% | 3,284 |
| Pretax return on assets | 1.0514% | 2,803 |
| Return on Equity (ROE) | 5.5268% | 3,850 |
| Retained earnings to average equity (ytd only) | 5.5268% | 2,234 |
| Net charge-offs to loans | 0.0653% | 5,584 |
| Credit loss provision to net charge-offs | 200.6667% | 2,266 |
| Earnings coverage of net charge-offs (x) | 21.2600% | 1,271 |
| Efficiency ratio | 67.0558% | 5,351 |
| Assets per employee ($millions) | 6.1215% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,791 |
| Loan loss allowance to noncurrent loans | 50.2114% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 3,453 |
| Noncurrent loans to loans | 2.1291% | 3,336 |
| Net loans and leases to total assets | 76.1839% | 2,139 |
| Net loans and leases to deposits | 113.6545% | 412 |
| Net loans and leases to core deposits | 138.7816% | 1,065 |
| Total domestic deposits to total assets | 67.0312% | 7,679 |
| Equity capital to assets | 13.5369% | 1,482 |
| Core capital (leverage) ratio | 13.3967% | 1,304 |
| Tier 1 risk-based capital ratio | 18.9258% | 1,794 |
| Total risk-based capital ratio | 20.0997% | 1,761 |
| Memoranda: | ||
| Average total assets | $596,918,330 | 1,189 |
| Average earning assets | $555,824,670 | 1,165 |
| Average equity | $77,477,670 | 855 |
| Average total loans | $459,521,670 | 1,088 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6616% | 3,985 |
| Cost of funding earning assets | 2.5479% | 1,745 |
| Net interest margin | 3.1137% | 6,160 |
| Noninterest income to average assets | 0.0723% | 7,697 |
| Noninterest expense to average assets | 2.1095% | 7,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5999% | 4,011 |
| Return on assets (ROA) | 0.6320% | 4,054 |
| Pretax return on assets | 0.9035% | 3,698 |
| Return on Equity (ROE) | 4.9789% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.9789% | 3,139 |
| Net charge-offs to loans | 0.0667% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 16.7105% | 1,536 |
| Efficiency ratio | 71.0970% | 4,350 |
| Assets per employee ($millions) | 6.2194% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 5,863 |
| Loan loss allowance to noncurrent loans | 61.1925% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.9008% | 3,058 |
| Noncurrent loans to loans | 1.7009% | 3,706 |
| Net loans and leases to total assets | 75.8323% | 2,307 |
| Net loans and leases to deposits | 109.0579% | 663 |
| Net loans and leases to core deposits | 133.3895% | 1,456 |
| Total domestic deposits to total assets | 69.5340% | 7,468 |
| Equity capital to assets | 12.3935% | 2,034 |
| Core capital (leverage) ratio | 13.2694% | 1,396 |
| Tier 1 risk-based capital ratio | 18.5281% | 1,924 |
| Total risk-based capital ratio | 19.6518% | 1,916 |
| Memoranda: | ||
| Average total assets | $592,365,500 | 1,205 |
| Average earning assets | $550,724,500 | 1,183 |
| Average equity | $75,198,000 | 886 |
| Average total loans | $455,941,500 | 1,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8901% | 6,086 |
| Cost of funding earning assets | 2.9319% | 2,138 |
| Net interest margin | 2.9582% | 7,011 |
| Noninterest income to average assets | 0.2568% | 6,613 |
| Noninterest expense to average assets | 1.9260% | 7,573 |
| Loan and lease loss provision to assets | 0.9930% | 1,485 |
| Net operating income to assets | 0.0949% | 6,125 |
| Return on assets (ROA) | -0.6829% | 6,957 |
| Pretax return on assets | -0.8978% | 6,940 |
| Return on Equity (ROE) | -4.5893% | 6,818 |
| Retained earnings to average equity (ytd only) | -4.5893% | 6,433 |
| Net charge-offs to loans | 1.0417% | 1,181 |
| Credit loss provision to net charge-offs | 127.4133% | 4,187 |
| Earnings coverage of net charge-offs (x) | 1.4354% | 5,397 |
| Efficiency ratio | 63.2591% | 5,721 |
| Assets per employee ($millions) | 6.0584% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,517 |
| Loan loss allowance to noncurrent loans | 59.1877% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 2.0449% | 2,405 |
| Noncurrent loans to loans | 1.7990% | 3,060 |
| Net loans and leases to total assets | 76.4916% | 2,502 |
| Net loans and leases to deposits | 113.3839% | 648 |
| Net loans and leases to core deposits | 138.6322% | 1,335 |
| Total domestic deposits to total assets | 67.4625% | 7,521 |
| Equity capital to assets | 13.0004% | 1,788 |
| Core capital (leverage) ratio | 13.1961% | 1,477 |
| Tier 1 risk-based capital ratio | 18.6943% | 1,865 |
| Total risk-based capital ratio | 19.8495% | 1,844 |
| Memoranda: | ||
| Average total assets | $580,894,000 | 1,156 |
| Average earning assets | $547,424,200 | 1,128 |
| Average equity | $86,439,400 | 772 |
| Average total loans | $434,591,400 | 1,103 |