Home > Northway Bank > Performance and Condition Ratios
Northway 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 | 4.0791% | 3,842 |
| Cost of funding earning assets | 1.2347% | 2,713 |
| Net interest margin | 2.8444% | 3,580 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.3801% | 2,643 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.6066% | 3,429 |
| Return on assets (ROA) | 0.4770% | 3,717 |
| Pretax return on assets | 0.5501% | 3,720 |
| Return on Equity (ROE) | 7.6200% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.7436% | 2,694 |
| Net charge-offs to loans | 0.0018% | 2,753 |
| Credit loss provision to net charge-offs | -2,382.3529% | 4,581 |
| Earnings coverage of net charge-offs (x) | 516.5882% | 285 |
| Efficiency ratio | 78.3177% | 1,043 |
| Assets per employee ($millions) | 7.0596% | 2,032 |
| Cash dividends to net income (ytd only)* | 37.7537% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,495 |
| Loan loss allowance to noncurrent loans | 380.7761% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 2,134 |
| Noncurrent loans to loans | 0.3050% | 2,091 |
| Net loans and leases to total assets | 70.8400% | 1,719 |
| Net loans and leases to deposits | 90.8495% | 1,196 |
| Net loans and leases to core deposits | 100.3161% | 1,416 |
| Total domestic deposits to total assets | 77.9800% | 3,730 |
| Equity capital to assets | 7.0045% | 3,936 |
| Core capital (leverage) ratio | 8.3252% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6957% | 1,350 |
| Memoranda: | ||
| Average total assets | $1,332,779,800 | 784 |
| Average earning assets | $1,264,843,600 | 760 |
| Average equity | $83,417,200 | 1,098 |
| Average total loans | $945,956,800 | 760 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,850 |
| Cost of funding earning assets | 1.1438% | 2,608 |
| Net interest margin | 2.8511% | 3,639 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.3821% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5535% | 3,657 |
| Return on assets (ROA) | 0.5278% | 3,689 |
| Pretax return on assets | 0.6291% | 3,685 |
| Return on Equity (ROE) | 8.6800% | 3,014 |
| Retained earnings to average equity (ytd only) | 5.7443% | 2,705 |
| Net charge-offs to loans | -0.0006% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.3116% | 990 |
| Assets per employee ($millions) | 7.3511% | 1,729 |
| Cash dividends to net income (ytd only)* | 33.8155% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,620 |
| Loan loss allowance to noncurrent loans | 374.8568% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,164 |
| Noncurrent loans to loans | 0.3067% | 2,137 |
| Net loans and leases to total assets | 70.6900% | 1,741 |
| Net loans and leases to deposits | 90.6383% | 1,187 |
| Net loans and leases to core deposits | 101.8012% | 1,224 |
| Total domestic deposits to total assets | 77.9900% | 3,817 |
| Equity capital to assets | 5.5996% | 4,107 |
| Core capital (leverage) ratio | 8.2295% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1570% | 1,522 |
| Memoranda: | ||
| Average total assets | $1,344,763,000 | 779 |
| Average earning assets | $1,277,309,250 | 750 |
| Average equity | $81,772,250 | 1,111 |
| Average total loans | $952,222,250 | 764 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 3,862 |
| Cost of funding earning assets | 1.0602% | 2,416 |
| Net interest margin | 2.8432% | 3,746 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.4286% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5019% | 3,805 |
| Return on assets (ROA) | 0.4882% | 3,837 |
| Pretax return on assets | 0.5801% | 3,832 |
| Return on Equity (ROE) | 7.8200% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.9557% | 2,951 |
| Net charge-offs to loans | 0.0032% | 2,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 266.8667% | 495 |
| Efficiency ratio | 80.2818% | 821 |
| Assets per employee ($millions) | 7.1422% | 1,821 |
| Cash dividends to net income (ytd only)* | 36.6300% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,690 |
| Loan loss allowance to noncurrent loans | 461.2796% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,317 |
| Noncurrent loans to loans | 0.2504% | 2,264 |
| Net loans and leases to total assets | 69.6600% | 1,781 |
| Net loans and leases to deposits | 88.9064% | 1,270 |
| Net loans and leases to core deposits | 99.4145% | 1,268 |
| Total domestic deposits to total assets | 78.3500% | 3,803 |
| Equity capital to assets | 6.1622% | 4,109 |
| Core capital (leverage) ratio | 8.1585% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8382% | 1,613 |
| Memoranda: | ||
| Average total assets | $1,342,149,000 | 766 |
| Average earning assets | $1,275,471,667 | 742 |
| Average equity | $83,783,000 | 1,083 |
| Average total loans | $947,217,000 | 749 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 3,898 |
| Cost of funding earning assets | 0.8092% | 2,697 |
| Net interest margin | 2.9701% | 3,658 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.5476% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5060% | 3,882 |
| Return on assets (ROA) | 0.4414% | 3,970 |
| Pretax return on assets | 0.5150% | 3,974 |
| Return on Equity (ROE) | 7.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.1557% | 3,226 |
| Net charge-offs to loans | 0.0111% | 1,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 75.5385% | 917 |
| Efficiency ratio | 81.1913% | 755 |
| Assets per employee ($millions) | 7.0700% | 1,924 |
| Cash dividends to net income (ytd only)* | 40.8441% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,726 |
| Loan loss allowance to noncurrent loans | 492.7588% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 2,350 |
| Noncurrent loans to loans | 0.2369% | 2,315 |
| Net loans and leases to total assets | 68.8300% | 1,745 |
| Net loans and leases to deposits | 92.0937% | 910 |
| Net loans and leases to core deposits | 96.9050% | 1,238 |
| Total domestic deposits to total assets | 74.7400% | 4,249 |
| Equity capital to assets | 6.3174% | 4,100 |
| Core capital (leverage) ratio | 8.3565% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7649% | 1,698 |
| Memoranda: | ||
| Average total assets | $1,331,145,500 | 787 |
| Average earning assets | $1,265,024,500 | 764 |
| Average equity | $83,643,500 | 1,098 |
| Average total loans | $940,134,000 | 763 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 3,553 |
| Cost of funding earning assets | 0.3007% | 2,869 |
| Net interest margin | 3.0142% | 3,414 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.5351% | 2,011 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.5126% | 4,071 |
| Return on assets (ROA) | 0.3110% | 4,329 |
| Pretax return on assets | 0.3315% | 4,353 |
| Return on Equity (ROE) | 4.2200% | 4,130 |
| Retained earnings to average equity (ytd only) | 1.6404% | 4,063 |
| Net charge-offs to loans | -0.0108% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.6418% | 812 |
| Assets per employee ($millions) | 6.4191% | 2,402 |
| Cash dividends to net income (ytd only)* | 61.1154% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,287 |
| Loan loss allowance to noncurrent loans | 525.1965% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 2,375 |
| Noncurrent loans to loans | 0.2326% | 2,342 |
| Net loans and leases to total assets | 70.8500% | 1,539 |
| Net loans and leases to deposits | 85.8549% | 1,325 |
| Net loans and leases to core deposits | 90.8254% | 1,463 |
| Total domestic deposits to total assets | 82.5200% | 3,531 |
| Equity capital to assets | 6.2533% | 3,998 |
| Core capital (leverage) ratio | 8.1504% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7128% | 1,726 |
| Memoranda: | ||
| Average total assets | $1,262,587,600 | 812 |
| Average earning assets | $1,204,719,400 | 788 |
| Average equity | $93,086,400 | 991 |
| Average total loans | $869,668,200 | 769 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 3,550 |
| Cost of funding earning assets | 0.1838% | 3,470 |
| Net interest margin | 2.9694% | 3,298 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5707% | 1,792 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.4799% | 4,118 |
| Return on assets (ROA) | 0.0057% | 4,557 |
| Pretax return on assets | -0.0912% | 4,594 |
| Return on Equity (ROE) | 0.0700% | 4,556 |
| Retained earnings to average equity (ytd only) | -2.4228% | 4,513 |
| Net charge-offs to loans | -0.0165% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5537% | 740 |
| Assets per employee ($millions) | 6.4088% | 2,400 |
| Cash dividends to net income (ytd only)* | 3,333.3333% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,843 |
| Loan loss allowance to noncurrent loans | 534.5747% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 2,555 |
| Noncurrent loans to loans | 0.2131% | 2,547 |
| Net loans and leases to total assets | 70.1600% | 1,466 |
| Net loans and leases to deposits | 86.9306% | 1,110 |
| Net loans and leases to core deposits | 88.0164% | 1,411 |
| Total domestic deposits to total assets | 80.7100% | 4,026 |
| Equity capital to assets | 5.7948% | 4,036 |
| Core capital (leverage) ratio | 8.3070% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8112% | 2,127 |
| Memoranda: | ||
| Average total assets | $1,254,067,500 | 824 |
| Average earning assets | $1,198,806,750 | 797 |
| Average equity | $96,086,750 | 982 |
| Average total loans | $854,581,750 | 778 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 3,428 |
| Cost of funding earning assets | 0.1402% | 3,709 |
| Net interest margin | 2.9105% | 3,138 |
| Noninterest income to average assets | 0.3534% | 3,039 |
| Noninterest expense to average assets | 2.6253% | 1,566 |
| Loan and lease loss provision to assets | 0.0486% | 1,706 |
| Net operating income to assets | 0.4454% | 4,010 |
| Return on assets (ROA) | -0.0462% | 4,566 |
| Pretax return on assets | -0.1530% | 4,591 |
| Return on Equity (ROE) | -0.5548% | 4,574 |
| Retained earnings to average equity (ytd only) | -2.8908% | 4,446 |
| Net charge-offs to loans | -0.0188% | 3,839 |
| Credit loss provision to net charge-offs | -384.6154% | 3,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5224% | 710 |
| Assets per employee ($millions) | 5.8706% | 2,853 |
| Cash dividends to net income (ytd only)* | -421.0526% | 4,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,989 |
| Loan loss allowance to noncurrent loans | 511.6424% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,623 |
| Noncurrent loans to loans | 0.2227% | 2,610 |
| Net loans and leases to total assets | 68.9546% | 1,401 |
| Net loans and leases to deposits | 82.1397% | 1,236 |
| Net loans and leases to core deposits | 82.9296% | 1,525 |
| Total domestic deposits to total assets | 83.9480% | 3,699 |
| Equity capital to assets | 7.2322% | 3,641 |
| Core capital (leverage) ratio | 8.7200% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5547% | 1,846 |
| Memoranda: | ||
| Average total assets | $1,234,154,333 | 830 |
| Average earning assets | $1,182,958,667 | 810 |
| Average equity | $102,738,000 | 951 |
| Average total loans | $828,635,000 | 784 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9402% | 3,431 |
| Cost of funding earning assets | 0.1208% | 3,888 |
| Net interest margin | 2.8194% | 3,082 |
| Noninterest income to average assets | 0.3484% | 3,008 |
| Noninterest expense to average assets | 2.6629% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4543% | 3,836 |
| Return on assets (ROA) | 0.0698% | 4,475 |
| Pretax return on assets | 0.0136% | 4,511 |
| Return on Equity (ROE) | 0.7867% | 4,452 |
| Retained earnings to average equity (ytd only) | -1.4088% | 4,182 |
| Net charge-offs to loans | -0.0020% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9948% | 679 |
| Assets per employee ($millions) | 5.8425% | 2,956 |
| Cash dividends to net income (ytd only)* | 279.0698% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,111 |
| Loan loss allowance to noncurrent loans | 429.6733% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,537 |
| Noncurrent loans to loans | 0.2673% | 2,518 |
| Net loans and leases to total assets | 66.7609% | 1,334 |
| Net loans and leases to deposits | 79.8711% | 1,154 |
| Net loans and leases to core deposits | 80.6527% | 1,439 |
| Total domestic deposits to total assets | 83.5858% | 3,848 |
| Equity capital to assets | 8.3626% | 3,274 |
| Core capital (leverage) ratio | 8.8588% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1070% | 1,766 |
| Memoranda: | ||
| Average total assets | $1,231,882,000 | 834 |
| Average earning assets | $1,185,208,000 | 812 |
| Average equity | $109,314,500 | 935 |
| Average total loans | $810,960,500 | 793 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9567% | 3,946 |
| Cost of funding earning assets | 0.1473% | 4,007 |
| Net interest margin | 2.8094% | 3,642 |
| Noninterest income to average assets | 0.3979% | 3,060 |
| Noninterest expense to average assets | 2.5300% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4582% | 4,171 |
| Return on assets (ROA) | 0.7787% | 3,466 |
| Pretax return on assets | 0.9614% | 3,358 |
| Return on Equity (ROE) | 8.1308% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.0301% | 2,348 |
| Net charge-offs to loans | -0.0014% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7249% | 698 |
| Assets per employee ($millions) | 6.0916% | 2,680 |
| Cash dividends to net income (ytd only)* | 25.8370% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,942 |
| Loan loss allowance to noncurrent loans | 460.1847% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 2,778 |
| Noncurrent loans to loans | 0.2580% | 2,685 |
| Net loans and leases to total assets | 63.3935% | 1,773 |
| Net loans and leases to deposits | 78.3061% | 1,372 |
| Net loans and leases to core deposits | 79.1441% | 1,664 |
| Total domestic deposits to total assets | 80.9561% | 4,112 |
| Equity capital to assets | 9.3761% | 3,249 |
| Core capital (leverage) ratio | 8.9229% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6198% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,192,903,600 | 831 |
| Average earning assets | $1,145,545,400 | 807 |
| Average equity | $114,244,200 | 910 |
| Average total loans | $786,780,400 | 807 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9292% | 4,121 |
| Cost of funding earning assets | 0.1557% | 4,058 |
| Net interest margin | 2.7735% | 3,836 |
| Noninterest income to average assets | 0.3970% | 3,101 |
| Noninterest expense to average assets | 2.4907% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4612% | 4,274 |
| Return on assets (ROA) | 0.6523% | 3,948 |
| Pretax return on assets | 0.8016% | 3,890 |
| Return on Equity (ROE) | 6.7735% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.6622% | 3,351 |
| Net charge-offs to loans | -0.0041% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4900% | 667 |
| Assets per employee ($millions) | 5.9984% | 2,699 |
| Cash dividends to net income (ytd only)* | 31.1688% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,199 |
| Loan loss allowance to noncurrent loans | 419.4248% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 2,878 |
| Noncurrent loans to loans | 0.2746% | 2,817 |
| Net loans and leases to total assets | 66.4816% | 1,488 |
| Net loans and leases to deposits | 81.2698% | 1,170 |
| Net loans and leases to core deposits | 82.2998% | 1,551 |
| Total domestic deposits to total assets | 81.8036% | 3,961 |
| Equity capital to assets | 9.3744% | 3,486 |
| Core capital (leverage) ratio | 8.7410% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0245% | 1,959 |
| Memoranda: | ||
| Average total assets | $1,180,457,000 | 850 |
| Average earning assets | $1,131,943,250 | 826 |
| Average equity | $113,676,250 | 925 |
| Average total loans | $784,162,750 | 827 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8842% | 4,243 |
| Cost of funding earning assets | 0.1694% | 4,046 |
| Net interest margin | 2.7148% | 3,950 |
| Noninterest income to average assets | 0.4080% | 3,067 |
| Noninterest expense to average assets | 2.5553% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3667% | 4,444 |
| Return on assets (ROA) | 0.6933% | 3,843 |
| Pretax return on assets | 0.8564% | 3,757 |
| Return on Equity (ROE) | 7.1331% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.0154% | 3,176 |
| Net charge-offs to loans | -0.0088% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9373% | 513 |
| Assets per employee ($millions) | 6.1147% | 2,510 |
| Cash dividends to net income (ytd only)* | 29.6883% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 3,083 |
| Loan loss allowance to noncurrent loans | 391.1377% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,943 |
| Noncurrent loans to loans | 0.3001% | 2,852 |
| Net loans and leases to total assets | 66.3259% | 1,661 |
| Net loans and leases to deposits | 81.4062% | 1,287 |
| Net loans and leases to core deposits | 82.5055% | 1,681 |
| Total domestic deposits to total assets | 81.4753% | 4,017 |
| Equity capital to assets | 9.5325% | 3,306 |
| Core capital (leverage) ratio | 9.0596% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3260% | 1,858 |
| Memoranda: | ||
| Average total assets | $1,166,050,333 | 851 |
| Average earning assets | $1,116,898,667 | 825 |
| Average equity | $113,331,000 | 920 |
| Average total loans | $771,217,333 | 837 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 4,250 |
| Cost of funding earning assets | 0.1939% | 3,965 |
| Net interest margin | 2.7092% | 3,949 |
| Noninterest income to average assets | 0.4168% | 3,003 |
| Noninterest expense to average assets | 2.6492% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2950% | 4,527 |
| Return on assets (ROA) | 0.6547% | 3,880 |
| Pretax return on assets | 0.8050% | 3,804 |
| Return on Equity (ROE) | 6.6689% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.5371% | 3,358 |
| Net charge-offs to loans | 0.0053% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 606 |
| Efficiency ratio | 88.0070% | 445 |
| Assets per employee ($millions) | 5.8574% | 2,736 |
| Cash dividends to net income (ytd only)* | 31.9659% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,804 |
| Loan loss allowance to noncurrent loans | 344.8339% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 2,984 |
| Noncurrent loans to loans | 0.3544% | 2,809 |
| Net loans and leases to total assets | 64.8490% | 1,936 |
| Net loans and leases to deposits | 80.0768% | 1,518 |
| Net loans and leases to core deposits | 81.3751% | 1,886 |
| Total domestic deposits to total assets | 80.9835% | 4,064 |
| Equity capital to assets | 9.5621% | 3,138 |
| Core capital (leverage) ratio | 9.1791% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2020% | 1,507 |
| Memoranda: | ||
| Average total assets | $1,146,773,500 | 854 |
| Average earning assets | $1,097,735,500 | 828 |
| Average equity | $112,582,000 | 913 |
| Average total loans | $752,599,000 | 848 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3260% | 4,291 |
| Cost of funding earning assets | 0.3281% | 3,986 |
| Net interest margin | 2.9979% | 3,888 |
| Noninterest income to average assets | 0.7191% | 1,796 |
| Noninterest expense to average assets | 2.9365% | 1,580 |
| Loan and lease loss provision to assets | 0.2214% | 1,767 |
| Net operating income to assets | 0.3403% | 4,376 |
| Return on assets (ROA) | 0.5212% | 4,067 |
| Pretax return on assets | 0.6156% | 4,048 |
| Return on Equity (ROE) | 4.8202% | 3,951 |
| Retained earnings to average equity (ytd only) | 2.6366% | 3,535 |
| Net charge-offs to loans | 0.0027% | 3,285 |
| Credit loss provision to net charge-offs | 11,842.1053% | 86 |
| Earnings coverage of net charge-offs (x) | 333.8947% | 320 |
| Efficiency ratio | 82.4717% | 719 |
| Assets per employee ($millions) | 5.4716% | 2,871 |
| Cash dividends to net income (ytd only)* | 45.3001% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,454 |
| Loan loss allowance to noncurrent loans | 310.8153% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 2,938 |
| Noncurrent loans to loans | 0.4154% | 2,736 |
| Net loans and leases to total assets | 64.7555% | 2,267 |
| Net loans and leases to deposits | 81.3994% | 1,720 |
| Net loans and leases to core deposits | 82.8689% | 2,129 |
| Total domestic deposits to total assets | 79.5527% | 4,127 |
| Equity capital to assets | 10.0864% | 3,048 |
| Core capital (leverage) ratio | 9.3901% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9079% | 1,285 |
| Memoranda: | ||
| Average total assets | $1,016,466,400 | 870 |
| Average earning assets | $963,477,600 | 846 |
| Average equity | $109,913,000 | 885 |
| Average total loans | $691,443,400 | 876 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 4,390 |
| Cost of funding earning assets | 0.3562% | 4,026 |
| Net interest margin | 3.0117% | 3,945 |
| Noninterest income to average assets | 0.7848% | 1,552 |
| Noninterest expense to average assets | 3.0085% | 1,429 |
| Loan and lease loss provision to assets | 0.2017% | 1,980 |
| Net operating income to assets | 0.3776% | 4,308 |
| Return on assets (ROA) | 0.3910% | 4,345 |
| Pretax return on assets | 0.4400% | 4,386 |
| Return on Equity (ROE) | 3.5491% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.3523% | 4,133 |
| Net charge-offs to loans | 0.0023% | 3,100 |
| Credit loss provision to net charge-offs | 12,500.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 388.3333% | 294 |
| Efficiency ratio | 82.7618% | 691 |
| Assets per employee ($millions) | 5.2756% | 2,920 |
| Cash dividends to net income (ytd only)* | 61.8982% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,807 |
| Loan loss allowance to noncurrent loans | 287.5248% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 3,061 |
| Noncurrent loans to loans | 0.4087% | 2,829 |
| Net loans and leases to total assets | 66.7685% | 2,415 |
| Net loans and leases to deposits | 83.5329% | 1,958 |
| Net loans and leases to core deposits | 85.1161% | 2,374 |
| Total domestic deposits to total assets | 79.9307% | 3,878 |
| Equity capital to assets | 10.0973% | 3,152 |
| Core capital (leverage) ratio | 9.3025% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8332% | 1,294 |
| Memoranda: | ||
| Average total assets | $991,529,750 | 874 |
| Average earning assets | $938,393,250 | 856 |
| Average equity | $109,244,750 | 887 |
| Average total loans | $681,238,250 | 883 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,373 |
| Cost of funding earning assets | 0.3824% | 4,116 |
| Net interest margin | 3.1487% | 3,788 |
| Noninterest income to average assets | 0.7701% | 1,521 |
| Noninterest expense to average assets | 3.1483% | 1,247 |
| Loan and lease loss provision to assets | 0.1569% | 2,431 |
| Net operating income to assets | 0.4239% | 4,178 |
| Return on assets (ROA) | 0.2786% | 4,498 |
| Pretax return on assets | 0.2838% | 4,556 |
| Return on Equity (ROE) | 2.4502% | 4,453 |
| Retained earnings to average equity (ytd only) | 0.2428% | 4,262 |
| Net charge-offs to loans | 0.0145% | 2,458 |
| Credit loss provision to net charge-offs | 1,562.5000% | 584 |
| Earnings coverage of net charge-offs (x) | 58.6667% | 978 |
| Efficiency ratio | 84.2409% | 630 |
| Assets per employee ($millions) | 4.8705% | 3,342 |
| Cash dividends to net income (ytd only)* | 90.0901% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,909 |
| Loan loss allowance to noncurrent loans | 259.7837% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 3,176 |
| Noncurrent loans to loans | 0.4327% | 2,868 |
| Net loans and leases to total assets | 65.6633% | 2,675 |
| Net loans and leases to deposits | 83.2360% | 2,071 |
| Net loans and leases to core deposits | 84.8998% | 2,532 |
| Total domestic deposits to total assets | 78.8881% | 4,054 |
| Equity capital to assets | 10.3464% | 2,889 |
| Core capital (leverage) ratio | 10.2603% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1746% | 1,213 |
| Memoranda: | ||
| Average total assets | $956,261,333 | 890 |
| Average earning assets | $901,147,000 | 875 |
| Average equity | $108,726,000 | 888 |
| Average total loans | $661,189,000 | 895 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,197 |
| Cost of funding earning assets | 0.4151% | 4,309 |
| Net interest margin | 3.4016% | 3,292 |
| Noninterest income to average assets | 0.7686% | 1,399 |
| Noninterest expense to average assets | 3.4147% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5466% | 3,756 |
| Return on assets (ROA) | -0.3019% | 4,862 |
| Pretax return on assets | -0.5237% | 4,893 |
| Return on Equity (ROE) | -2.5221% | 4,855 |
| Retained earnings to average equity (ytd only) | -4.7410% | 4,500 |
| Net charge-offs to loans | 0.0069% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 529 |
| Efficiency ratio | 86.1210% | 699 |
| Assets per employee ($millions) | 4.2187% | 3,630 |
| Cash dividends to net income (ytd only)* | -87.9765% | 5,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,072 |
| Loan loss allowance to noncurrent loans | 215.1208% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 2,899 |
| Noncurrent loans to loans | 0.5232% | 2,694 |
| Net loans and leases to total assets | 70.8468% | 2,108 |
| Net loans and leases to deposits | 88.3444% | 1,722 |
| Net loans and leases to core deposits | 90.0383% | 2,336 |
| Total domestic deposits to total assets | 80.1939% | 3,822 |
| Equity capital to assets | 12.1077% | 1,987 |
| Core capital (leverage) ratio | 10.9631% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3120% | 1,275 |
| Memoranda: | ||
| Average total assets | $903,510,500 | 908 |
| Average earning assets | $849,005,500 | 889 |
| Average equity | $108,162,000 | 884 |
| Average total loans | $639,226,000 | 894 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 4,292 |
| Cost of funding earning assets | 0.5392% | 3,926 |
| Net interest margin | 3.4461% | 3,602 |
| Noninterest income to average assets | 0.6584% | 1,973 |
| Noninterest expense to average assets | 3.1755% | 1,577 |
| Loan and lease loss provision to assets | 0.0229% | 3,560 |
| Net operating income to assets | 0.5907% | 4,188 |
| Return on assets (ROA) | 0.9988% | 2,937 |
| Pretax return on assets | 1.2223% | 2,760 |
| Return on Equity (ROE) | 8.8623% | 2,814 |
| Retained earnings to average equity (ytd only) | 6.5439% | 1,589 |
| Net charge-offs to loans | 0.0186% | 3,057 |
| Credit loss provision to net charge-offs | 175.0000% | 1,482 |
| Earnings coverage of net charge-offs (x) | 57.2000% | 1,015 |
| Efficiency ratio | 80.9492% | 869 |
| Assets per employee ($millions) | 4.1484% | 3,700 |
| Cash dividends to net income (ytd only)* | 26.1609% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,774 |
| Loan loss allowance to noncurrent loans | 229.5520% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 2,952 |
| Noncurrent loans to loans | 0.4936% | 2,704 |
| Net loans and leases to total assets | 69.0716% | 2,535 |
| Net loans and leases to deposits | 86.0104% | 2,087 |
| Net loans and leases to core deposits | 87.6464% | 2,637 |
| Total domestic deposits to total assets | 80.3060% | 3,913 |
| Equity capital to assets | 11.8377% | 2,248 |
| Core capital (leverage) ratio | 11.1072% | 2,407 |
| Tier 1 risk-based capital ratio | 16.4631% | 2,229 |
| Total risk-based capital ratio | 17.6793% | 2,182 |
| Memoranda: | ||
| Average total assets | $918,465,800 | 859 |
| Average earning assets | $870,048,000 | 831 |
| Average equity | $103,517,000 | 876 |
| Average total loans | $645,429,800 | 857 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 4,290 |
| Cost of funding earning assets | 0.5729% | 3,808 |
| Net interest margin | 3.4633% | 3,687 |
| Noninterest income to average assets | 0.6734% | 1,901 |
| Noninterest expense to average assets | 3.1498% | 1,579 |
| Loan and lease loss provision to assets | 0.0304% | 3,293 |
| Net operating income to assets | 0.6349% | 4,200 |
| Return on assets (ROA) | 1.0844% | 2,726 |
| Pretax return on assets | 1.3356% | 2,546 |
| Return on Equity (ROE) | 9.7432% | 2,538 |
| Retained earnings to average equity (ytd only) | 7.3992% | 1,670 |
| Net charge-offs to loans | 0.0070% | 3,123 |
| Credit loss provision to net charge-offs | 617.6471% | 530 |
| Earnings coverage of net charge-offs (x) | 164.5963% | 506 |
| Efficiency ratio | 79.5228% | 964 |
| Assets per employee ($millions) | 4.1851% | 3,641 |
| Cash dividends to net income (ytd only)* | 24.0577% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 2,855 |
| Loan loss allowance to noncurrent loans | 238.0332% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 3,060 |
| Noncurrent loans to loans | 0.4764% | 2,866 |
| Net loans and leases to total assets | 71.1679% | 2,297 |
| Net loans and leases to deposits | 88.4757% | 1,869 |
| Net loans and leases to core deposits | 90.4787% | 2,505 |
| Total domestic deposits to total assets | 80.4377% | 3,879 |
| Equity capital to assets | 11.9707% | 2,283 |
| Core capital (leverage) ratio | 10.8693% | 2,774 |
| Tier 1 risk-based capital ratio | 15.7029% | 2,560 |
| Total risk-based capital ratio | 16.8913% | 2,523 |
| Memoranda: | ||
| Average total assets | $919,918,500 | 853 |
| Average earning assets | $873,205,250 | 831 |
| Average equity | $102,387,000 | 884 |
| Average total loans | $647,385,000 | 856 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 4,349 |
| Cost of funding earning assets | 0.6014% | 3,645 |
| Net interest margin | 3.4121% | 3,858 |
| Noninterest income to average assets | 0.6291% | 2,025 |
| Noninterest expense to average assets | 3.2055% | 1,494 |
| Loan and lease loss provision to assets | 0.0453% | 2,916 |
| Net operating income to assets | 0.5016% | 4,524 |
| Return on assets (ROA) | 1.0614% | 2,738 |
| Pretax return on assets | 1.3135% | 2,508 |
| Return on Equity (ROE) | 9.7738% | 2,496 |
| Retained earnings to average equity (ytd only) | 7.3924% | 1,653 |
| Net charge-offs to loans | 0.0099% | 2,777 |
| Credit loss provision to net charge-offs | 656.2500% | 492 |
| Earnings coverage of net charge-offs (x) | 96.8125% | 716 |
| Efficiency ratio | 82.7621% | 746 |
| Assets per employee ($millions) | 4.4924% | 3,151 |
| Cash dividends to net income (ytd only)* | 24.3655% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 2,987 |
| Loan loss allowance to noncurrent loans | 216.2034% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 2,927 |
| Noncurrent loans to loans | 0.5162% | 2,732 |
| Net loans and leases to total assets | 69.6640% | 2,575 |
| Net loans and leases to deposits | 86.3988% | 2,212 |
| Net loans and leases to core deposits | 92.4010% | 2,376 |
| Total domestic deposits to total assets | 80.6308% | 3,910 |
| Equity capital to assets | 11.2456% | 2,815 |
| Core capital (leverage) ratio | 10.6342% | 2,953 |
| Tier 1 risk-based capital ratio | 15.2055% | 2,747 |
| Total risk-based capital ratio | 16.3798% | 2,706 |
| Memoranda: | ||
| Average total assets | $928,024,330 | 840 |
| Average earning assets | $882,342,330 | 814 |
| Average equity | $100,779,330 | 889 |
| Average total loans | $648,283,330 | 857 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 4,288 |
| Cost of funding earning assets | 0.6002% | 3,576 |
| Net interest margin | 3.4358% | 3,792 |
| Noninterest income to average assets | 0.5575% | 2,240 |
| Noninterest expense to average assets | 3.1208% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5543% | 4,376 |
| Return on assets (ROA) | 1.3574% | 1,543 |
| Pretax return on assets | 1.7185% | 1,168 |
| Return on Equity (ROE) | 12.7265% | 1,315 |
| Retained earnings to average equity (ytd only) | 10.2993% | 965 |
| Net charge-offs to loans | 0.0242% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 41.7179% | 1,126 |
| Efficiency ratio | 81.6366% | 907 |
| Assets per employee ($millions) | 4.4380% | 3,276 |
| Cash dividends to net income (ytd only)* | 19.0718% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,211 |
| Loan loss allowance to noncurrent loans | 267.8369% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,380 |
| Noncurrent loans to loans | 0.4049% | 3,133 |
| Net loans and leases to total assets | 69.4307% | 2,564 |
| Net loans and leases to deposits | 86.6385% | 2,051 |
| Net loans and leases to core deposits | 93.9160% | 2,129 |
| Total domestic deposits to total assets | 80.1383% | 4,154 |
| Equity capital to assets | 10.8927% | 2,960 |
| Core capital (leverage) ratio | 10.3229% | 3,252 |
| Tier 1 risk-based capital ratio | 15.0850% | 2,849 |
| Total risk-based capital ratio | 16.2268% | 2,824 |
| Memoranda: | ||
| Average total assets | $927,069,000 | 842 |
| Average earning assets | $881,074,000 | 820 |
| Average equity | $98,880,500 | 902 |
| Average total loans | $644,854,000 | 867 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 4,224 |
| Cost of funding earning assets | 0.5033% | 3,324 |
| Net interest margin | 3.4223% | 3,933 |
| Noninterest income to average assets | 0.5302% | 2,658 |
| Noninterest expense to average assets | 3.1331% | 1,719 |
| Loan and lease loss provision to assets | 0.0422% | 3,345 |
| Net operating income to assets | 0.6058% | 4,399 |
| Return on assets (ROA) | 0.3993% | 4,861 |
| Pretax return on assets | 0.3928% | 4,939 |
| Return on Equity (ROE) | 3.8526% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.8248% | 4,769 |
| Net charge-offs to loans | 0.0782% | 2,009 |
| Credit loss provision to net charge-offs | 80.0821% | 2,862 |
| Earnings coverage of net charge-offs (x) | 12.1725% | 2,557 |
| Efficiency ratio | 82.8784% | 716 |
| Assets per employee ($millions) | 4.3929% | 3,318 |
| Cash dividends to net income (ytd only)* | 78.5908% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 2,969 |
| Loan loss allowance to noncurrent loans | 322.9516% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 3,526 |
| Noncurrent loans to loans | 0.3476% | 3,298 |
| Net loans and leases to total assets | 68.1186% | 2,867 |
| Net loans and leases to deposits | 86.1701% | 2,248 |
| Net loans and leases to core deposits | 89.6170% | 2,603 |
| Total domestic deposits to total assets | 79.0512% | 4,304 |
| Equity capital to assets | 10.4328% | 3,251 |
| Core capital (leverage) ratio | 9.5884% | 4,015 |
| Tier 1 risk-based capital ratio | 14.9475% | 2,849 |
| Total risk-based capital ratio | 16.1244% | 2,821 |
| Memoranda: | ||
| Average total assets | $924,057,000 | 828 |
| Average earning assets | $876,057,200 | 806 |
| Average equity | $95,779,000 | 886 |
| Average total loans | $622,729,800 | 865 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,385 |
| Cost of funding earning assets | 0.4600% | 3,456 |
| Net interest margin | 3.3618% | 4,130 |
| Noninterest income to average assets | 0.5325% | 2,663 |
| Noninterest expense to average assets | 3.0933% | 1,781 |
| Loan and lease loss provision to assets | 0.0281% | 3,444 |
| Net operating income to assets | 0.5528% | 4,640 |
| Return on assets (ROA) | 0.7597% | 4,053 |
| Pretax return on assets | 0.8237% | 4,233 |
| Return on Equity (ROE) | 7.3413% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.1355% | 3,706 |
| Net charge-offs to loans | 0.0902% | 1,603 |
| Credit loss provision to net charge-offs | 46.5394% | 2,860 |
| Earnings coverage of net charge-offs (x) | 10.3748% | 2,589 |
| Efficiency ratio | 83.0658% | 701 |
| Assets per employee ($millions) | 4.5505% | 3,040 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,533 |
| Loan loss allowance to noncurrent loans | 235.1342% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,344 |
| Noncurrent loans to loans | 0.4424% | 3,069 |
| Net loans and leases to total assets | 69.1034% | 2,786 |
| Net loans and leases to deposits | 85.0124% | 2,475 |
| Net loans and leases to core deposits | 94.8378% | 2,223 |
| Total domestic deposits to total assets | 81.2862% | 3,792 |
| Equity capital to assets | 9.8126% | 3,809 |
| Core capital (leverage) ratio | 9.8603% | 3,787 |
| Tier 1 risk-based capital ratio | 14.4958% | 3,130 |
| Total risk-based capital ratio | 15.6030% | 3,101 |
| Memoranda: | ||
| Average total assets | $924,436,750 | 821 |
| Average earning assets | $876,575,500 | 806 |
| Average equity | $95,657,750 | 879 |
| Average total loans | $619,527,250 | 869 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7939% | 4,359 |
| Cost of funding earning assets | 0.4280% | 3,514 |
| Net interest margin | 3.3659% | 4,057 |
| Noninterest income to average assets | 0.5398% | 2,633 |
| Noninterest expense to average assets | 3.1574% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5132% | 4,718 |
| Return on assets (ROA) | 0.5502% | 4,630 |
| Pretax return on assets | 0.6125% | 4,720 |
| Return on Equity (ROE) | 5.2214% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.6794% | 4,577 |
| Net charge-offs to loans | 0.0758% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.4167% | 2,275 |
| Efficiency ratio | 84.5864% | 653 |
| Assets per employee ($millions) | 4.5188% | 3,102 |
| Cash dividends to net income (ytd only)* | 67.8372% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,185 |
| Loan loss allowance to noncurrent loans | 219.0491% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 3,274 |
| Noncurrent loans to loans | 0.5086% | 2,889 |
| Net loans and leases to total assets | 66.1365% | 3,131 |
| Net loans and leases to deposits | 86.2111% | 2,287 |
| Net loans and leases to core deposits | 87.5456% | 2,767 |
| Total domestic deposits to total assets | 76.7145% | 4,769 |
| Equity capital to assets | 10.0349% | 3,588 |
| Core capital (leverage) ratio | 9.9023% | 3,677 |
| Tier 1 risk-based capital ratio | 14.5938% | 3,073 |
| Total risk-based capital ratio | 15.7343% | 3,037 |
| Memoranda: | ||
| Average total assets | $911,013,330 | 839 |
| Average earning assets | $863,128,000 | 821 |
| Average equity | $95,989,330 | 877 |
| Average total loans | $601,485,670 | 883 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 4,269 |
| Cost of funding earning assets | 0.3439% | 4,035 |
| Net interest margin | 3.4398% | 3,739 |
| Noninterest income to average assets | 0.5470% | 2,536 |
| Noninterest expense to average assets | 3.2832% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4665% | 4,775 |
| Return on assets (ROA) | 0.5876% | 4,465 |
| Pretax return on assets | 0.6616% | 4,543 |
| Return on Equity (ROE) | 5.4408% | 4,338 |
| Retained earnings to average equity (ytd only) | 3.3752% | 3,861 |
| Net charge-offs to loans | 0.0150% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 53.5455% | 913 |
| Efficiency ratio | 86.0958% | 640 |
| Assets per employee ($millions) | 4.4522% | 3,238 |
| Cash dividends to net income (ytd only)* | 37.9651% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,824 |
| Loan loss allowance to noncurrent loans | 215.7092% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 3,251 |
| Noncurrent loans to loans | 0.5546% | 2,867 |
| Net loans and leases to total assets | 65.2364% | 3,144 |
| Net loans and leases to deposits | 84.0892% | 2,382 |
| Net loans and leases to core deposits | 84.9060% | 2,903 |
| Total domestic deposits to total assets | 77.5800% | 4,791 |
| Equity capital to assets | 10.4512% | 3,123 |
| Core capital (leverage) ratio | 10.1511% | 3,357 |
| Tier 1 risk-based capital ratio | 15.2018% | 2,788 |
| Total risk-based capital ratio | 16.4281% | 2,730 |
| Memoranda: | ||
| Average total assets | $896,561,500 | 861 |
| Average earning assets | $850,170,000 | 835 |
| Average equity | $96,824,000 | 875 |
| Average total loans | $587,913,000 | 910 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,307 |
| Cost of funding earning assets | 0.2952% | 4,188 |
| Net interest margin | 3.4171% | 3,800 |
| Noninterest income to average assets | 0.5638% | 2,638 |
| Noninterest expense to average assets | 2.9822% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6200% | 3,930 |
| Return on assets (ROA) | 0.8505% | 2,974 |
| Pretax return on assets | 1.1272% | 3,072 |
| Return on Equity (ROE) | 7.8669% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.7640% | 1,675 |
| Net charge-offs to loans | 0.1144% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.1468% | 2,601 |
| Efficiency ratio | 78.3239% | 1,312 |
| Assets per employee ($millions) | 4.3803% | 3,366 |
| Cash dividends to net income (ytd only)* | 26.7308% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,419 |
| Loan loss allowance to noncurrent loans | 241.8395% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 3,442 |
| Noncurrent loans to loans | 0.5216% | 2,949 |
| Net loans and leases to total assets | 64.2842% | 3,341 |
| Net loans and leases to deposits | 78.0832% | 3,103 |
| Net loans and leases to core deposits | 78.8217% | 3,519 |
| Total domestic deposits to total assets | 82.3279% | 3,777 |
| Equity capital to assets | 11.1605% | 2,476 |
| Core capital (leverage) ratio | 10.2172% | 3,169 |
| Tier 1 risk-based capital ratio | 15.0631% | 2,823 |
| Total risk-based capital ratio | 16.3799% | 2,716 |
| Memoranda: | ||
| Average total assets | $879,711,800 | 850 |
| Average earning assets | $833,656,400 | 826 |
| Average equity | $95,107,600 | 862 |
| Average total loans | $565,617,400 | 912 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,342 |
| Cost of funding earning assets | 0.2984% | 4,149 |
| Net interest margin | 3.3924% | 3,871 |
| Noninterest income to average assets | 0.6168% | 2,382 |
| Noninterest expense to average assets | 2.9133% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6627% | 4,146 |
| Return on assets (ROA) | 0.8375% | 3,382 |
| Pretax return on assets | 1.1600% | 3,067 |
| Return on Equity (ROE) | 7.8102% | 3,229 |
| Retained earnings to average equity (ytd only) | 5.6898% | 2,437 |
| Net charge-offs to loans | 0.1062% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.4744% | 2,347 |
| Efficiency ratio | 75.9379% | 1,602 |
| Assets per employee ($millions) | 4.4630% | 3,216 |
| Cash dividends to net income (ytd only)* | 27.1493% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,422 |
| Loan loss allowance to noncurrent loans | 246.8106% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,595 |
| Noncurrent loans to loans | 0.5215% | 3,137 |
| Net loans and leases to total assets | 64.7991% | 3,283 |
| Net loans and leases to deposits | 80.0803% | 2,967 |
| Net loans and leases to core deposits | 80.9000% | 3,380 |
| Total domestic deposits to total assets | 80.9177% | 4,073 |
| Equity capital to assets | 11.0393% | 2,831 |
| Core capital (leverage) ratio | 10.2319% | 3,275 |
| Tier 1 risk-based capital ratio | 14.8231% | 3,003 |
| Total risk-based capital ratio | 16.1555% | 2,887 |
| Memoranda: | ||
| Average total assets | $879,531,750 | 856 |
| Average earning assets | $833,180,750 | 832 |
| Average equity | $94,319,250 | 874 |
| Average total loans | $563,719,250 | 908 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,315 |
| Cost of funding earning assets | 0.3081% | 4,006 |
| Net interest margin | 3.3621% | 3,901 |
| Noninterest income to average assets | 0.6387% | 2,263 |
| Noninterest expense to average assets | 2.9101% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6512% | 4,076 |
| Return on assets (ROA) | 0.8442% | 3,229 |
| Pretax return on assets | 1.1771% | 2,866 |
| Return on Equity (ROE) | 7.9502% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.8090% | 2,226 |
| Net charge-offs to loans | 0.1187% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.0422% | 2,226 |
| Efficiency ratio | 76.0731% | 1,710 |
| Assets per employee ($millions) | 4.4430% | 3,210 |
| Cash dividends to net income (ytd only)* | 26.9324% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,296 |
| Loan loss allowance to noncurrent loans | 237.2210% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 3,598 |
| Noncurrent loans to loans | 0.5586% | 3,061 |
| Net loans and leases to total assets | 63.8804% | 3,401 |
| Net loans and leases to deposits | 76.8553% | 3,239 |
| Net loans and leases to core deposits | 77.7179% | 3,620 |
| Total domestic deposits to total assets | 83.1178% | 3,530 |
| Equity capital to assets | 10.8440% | 2,974 |
| Core capital (leverage) ratio | 10.0901% | 3,418 |
| Tier 1 risk-based capital ratio | 14.9153% | 2,965 |
| Total risk-based capital ratio | 16.2126% | 2,878 |
| Memoranda: | ||
| Average total assets | $879,636,670 | 861 |
| Average earning assets | $832,095,670 | 840 |
| Average equity | $93,406,000 | 884 |
| Average total loans | $559,241,000 | 920 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,381 |
| Cost of funding earning assets | 0.2998% | 4,052 |
| Net interest margin | 3.3137% | 3,962 |
| Noninterest income to average assets | 0.6548% | 2,154 |
| Noninterest expense to average assets | 2.9613% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5966% | 4,176 |
| Return on assets (ROA) | 0.7544% | 3,509 |
| Pretax return on assets | 1.0546% | 3,156 |
| Return on Equity (ROE) | 7.1809% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.0167% | 2,886 |
| Net charge-offs to loans | 0.1249% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.6185% | 1,929 |
| Efficiency ratio | 77.8536% | 1,649 |
| Assets per employee ($millions) | 4.6012% | 3,002 |
| Cash dividends to net income (ytd only)* | 30.1386% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 2,111 |
| Loan loss allowance to noncurrent loans | 244.2155% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,705 |
| Noncurrent loans to loans | 0.5690% | 3,101 |
| Net loans and leases to total assets | 62.5391% | 3,463 |
| Net loans and leases to deposits | 74.9534% | 3,310 |
| Net loans and leases to core deposits | 75.8488% | 3,665 |
| Total domestic deposits to total assets | 83.4372% | 3,680 |
| Equity capital to assets | 10.6699% | 2,990 |
| Core capital (leverage) ratio | 9.9248% | 3,599 |
| Tier 1 risk-based capital ratio | 14.6802% | 3,126 |
| Total risk-based capital ratio | 16.0144% | 3,008 |
| Memoranda: | ||
| Average total assets | $879,602,000 | 866 |
| Average earning assets | $833,998,500 | 839 |
| Average equity | $92,411,500 | 886 |
| Average total loans | $554,108,500 | 929 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 4,608 |
| Cost of funding earning assets | 0.4792% | 2,266 |
| Net interest margin | 3.0832% | 4,769 |
| Noninterest income to average assets | 0.5984% | 2,672 |
| Noninterest expense to average assets | 3.2391% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2255% | 5,366 |
| Return on assets (ROA) | 0.4553% | 4,861 |
| Pretax return on assets | 0.5814% | 4,837 |
| Return on Equity (ROE) | 4.4822% | 4,667 |
| Retained earnings to average equity (ytd only) | 2.8471% | 3,870 |
| Net charge-offs to loans | 0.1334% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.4765% | 3,663 |
| Efficiency ratio | 91.7104% | 474 |
| Assets per employee ($millions) | 4.6578% | 2,865 |
| Cash dividends to net income (ytd only)* | 36.4786% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,994 |
| Loan loss allowance to noncurrent loans | 235.6566% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 3,704 |
| Noncurrent loans to loans | 0.6037% | 3,042 |
| Net loans and leases to total assets | 61.6853% | 3,651 |
| Net loans and leases to deposits | 73.7237% | 3,543 |
| Net loans and leases to core deposits | 74.8275% | 3,852 |
| Total domestic deposits to total assets | 83.6709% | 3,549 |
| Equity capital to assets | 10.3443% | 3,335 |
| Core capital (leverage) ratio | 9.7105% | 3,843 |
| Tier 1 risk-based capital ratio | 14.8023% | 3,048 |
| Total risk-based capital ratio | 16.1012% | 2,966 |
| Memoranda: | ||
| Average total assets | $903,231,200 | 797 |
| Average earning assets | $857,625,200 | 764 |
| Average equity | $91,741,600 | 877 |
| Average total loans | $558,357,200 | 890 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,601 |
| Cost of funding earning assets | 0.5210% | 1,933 |
| Net interest margin | 3.0597% | 4,876 |
| Noninterest income to average assets | 0.5851% | 2,731 |
| Noninterest expense to average assets | 2.8994% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4221% | 4,955 |
| Return on assets (ROA) | 0.6537% | 4,186 |
| Pretax return on assets | 0.9133% | 3,932 |
| Return on Equity (ROE) | 6.4653% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,816 |
| Net charge-offs to loans | 0.1494% | 1,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.4242% | 3,001 |
| Efficiency ratio | 82.8937% | 1,085 |
| Assets per employee ($millions) | 4.7304% | 2,702 |
| Cash dividends to net income (ytd only)* | 22.4669% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 2,080 |
| Loan loss allowance to noncurrent loans | 226.0673% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 3,710 |
| Noncurrent loans to loans | 0.6306% | 3,123 |
| Net loans and leases to total assets | 62.5068% | 3,587 |
| Net loans and leases to deposits | 73.7303% | 3,623 |
| Net loans and leases to core deposits | 74.9947% | 3,922 |
| Total domestic deposits to total assets | 84.7775% | 2,900 |
| Equity capital to assets | 10.6310% | 3,426 |
| Core capital (leverage) ratio | 9.7325% | 3,899 |
| Tier 1 risk-based capital ratio | 14.6877% | 3,198 |
| Total risk-based capital ratio | 15.9709% | 3,119 |
| Memoranda: | ||
| Average total assets | $907,793,000 | 794 |
| Average earning assets | $862,168,000 | 760 |
| Average equity | $91,790,750 | 880 |
| Average total loans | $559,500,750 | 888 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 4,503 |
| Cost of funding earning assets | 0.5597% | 1,619 |
| Net interest margin | 3.0713% | 4,917 |
| Noninterest income to average assets | 0.5195% | 3,072 |
| Noninterest expense to average assets | 2.7123% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5089% | 4,645 |
| Return on assets (ROA) | 0.6916% | 3,984 |
| Pretax return on assets | 0.9824% | 3,651 |
| Return on Equity (ROE) | 6.9551% | 3,573 |
| Retained earnings to average equity (ytd only) | 5.8567% | 2,208 |
| Net charge-offs to loans | 0.0365% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.3725% | 1,339 |
| Efficiency ratio | 78.8268% | 1,670 |
| Assets per employee ($millions) | 4.7521% | 2,629 |
| Cash dividends to net income (ytd only)* | 15.7928% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,813 |
| Loan loss allowance to noncurrent loans | 204.4876% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 3,538 |
| Noncurrent loans to loans | 0.7394% | 2,889 |
| Net loans and leases to total assets | 60.2041% | 3,859 |
| Net loans and leases to deposits | 74.2788% | 3,558 |
| Net loans and leases to core deposits | 75.6066% | 3,855 |
| Total domestic deposits to total assets | 81.0515% | 4,262 |
| Equity capital to assets | 10.2034% | 3,971 |
| Core capital (leverage) ratio | 9.7620% | 3,852 |
| Tier 1 risk-based capital ratio | 14.6640% | 3,225 |
| Total risk-based capital ratio | 15.9263% | 3,161 |
| Memoranda: | ||
| Average total assets | $915,530,330 | 786 |
| Average earning assets | $868,674,670 | 758 |
| Average equity | $91,041,000 | 879 |
| Average total loans | $559,028,000 | 884 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 4,795 |
| Cost of funding earning assets | 0.5728% | 1,525 |
| Net interest margin | 2.9642% | 5,194 |
| Noninterest income to average assets | 0.5226% | 2,969 |
| Noninterest expense to average assets | 2.7227% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4369% | 4,873 |
| Return on assets (ROA) | 0.6984% | 3,836 |
| Pretax return on assets | 0.9957% | 3,495 |
| Return on Equity (ROE) | 7.1172% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.1172% | 1,834 |
| Net charge-offs to loans | -0.0007% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2033% | 1,459 |
| Assets per employee ($millions) | 4.7954% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,801 |
| Loan loss allowance to noncurrent loans | 147.3181% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 2,950 |
| Noncurrent loans to loans | 1.0503% | 2,292 |
| Net loans and leases to total assets | 61.1940% | 3,632 |
| Net loans and leases to deposits | 74.4736% | 3,381 |
| Net loans and leases to core deposits | 75.9020% | 3,694 |
| Total domestic deposits to total assets | 82.1688% | 4,163 |
| Equity capital to assets | 10.2128% | 3,828 |
| Core capital (leverage) ratio | 9.3599% | 4,411 |
| Tier 1 risk-based capital ratio | 15.0572% | 3,129 |
| Total risk-based capital ratio | 16.3112% | 3,064 |
| Memoranda: | ||
| Average total assets | $912,344,000 | 795 |
| Average earning assets | $868,641,500 | 761 |
| Average equity | $89,529,000 | 893 |
| Average total loans | $556,770,000 | 886 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,186 |
| Cost of funding earning assets | 0.6177% | 1,255 |
| Net interest margin | 3.1351% | 4,821 |
| Noninterest income to average assets | 0.5046% | 3,299 |
| Noninterest expense to average assets | 2.7879% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4965% | 4,702 |
| Return on assets (ROA) | 0.7349% | 3,742 |
| Pretax return on assets | 1.0189% | 3,388 |
| Return on Equity (ROE) | 7.2219% | 3,396 |
| Retained earnings to average equity (ytd only) | -5.5077% | 5,939 |
| Net charge-offs to loans | 0.0315% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.8197% | 1,305 |
| Efficiency ratio | 80.0180% | 1,673 |
| Assets per employee ($millions) | 4.8584% | 2,521 |
| Cash dividends to net income (ytd only)* | 176.2632% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,800 |
| Loan loss allowance to noncurrent loans | 128.9517% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 2,754 |
| Noncurrent loans to loans | 1.2023% | 1,964 |
| Net loans and leases to total assets | 59.0056% | 3,969 |
| Net loans and leases to deposits | 72.1832% | 3,698 |
| Net loans and leases to core deposits | 73.6057% | 3,978 |
| Total domestic deposits to total assets | 81.7443% | 4,241 |
| Equity capital to assets | 9.4268% | 4,641 |
| Core capital (leverage) ratio | 8.8033% | 5,104 |
| Tier 1 risk-based capital ratio | 14.7248% | 3,315 |
| Total risk-based capital ratio | 15.9793% | 3,245 |
| Memoranda: | ||
| Average total assets | $926,388,400 | 744 |
| Average earning assets | $877,937,600 | 722 |
| Average equity | $94,268,200 | 807 |
| Average total loans | $580,415,000 | 807 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 4,089 |
| Cost of funding earning assets | 0.6234% | 1,255 |
| Net interest margin | 3.1760% | 4,755 |
| Noninterest income to average assets | 0.5290% | 3,173 |
| Noninterest expense to average assets | 2.7413% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5757% | 4,499 |
| Return on assets (ROA) | 0.7565% | 3,752 |
| Pretax return on assets | 1.0458% | 3,428 |
| Return on Equity (ROE) | 7.2996% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.2996% | 1,546 |
| Net charge-offs to loans | 0.0350% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.8373% | 1,339 |
| Efficiency ratio | 77.3353% | 2,046 |
| Assets per employee ($millions) | 4.9472% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 2,068 |
| Loan loss allowance to noncurrent loans | 129.0188% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 2,900 |
| Noncurrent loans to loans | 1.1783% | 2,176 |
| Net loans and leases to total assets | 59.6275% | 3,927 |
| Net loans and leases to deposits | 73.3416% | 3,611 |
| Net loans and leases to core deposits | 74.8805% | 3,920 |
| Total domestic deposits to total assets | 81.3010% | 4,392 |
| Equity capital to assets | 10.4520% | 3,647 |
| Core capital (leverage) ratio | 9.9062% | 3,762 |
| Tier 1 risk-based capital ratio | 16.1413% | 2,736 |
| Total risk-based capital ratio | 17.3954% | 2,687 |
| Memoranda: | ||
| Average total assets | $925,996,250 | 751 |
| Average earning assets | $876,720,500 | 729 |
| Average equity | $95,966,000 | 801 |
| Average total loans | $586,476,250 | 798 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 4,065 |
| Cost of funding earning assets | 0.6299% | 1,230 |
| Net interest margin | 3.1712% | 4,744 |
| Noninterest income to average assets | 0.5390% | 3,118 |
| Noninterest expense to average assets | 2.7475% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5685% | 4,478 |
| Return on assets (ROA) | 0.7767% | 3,608 |
| Pretax return on assets | 1.0784% | 3,265 |
| Return on Equity (ROE) | 7.5163% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.5163% | 1,467 |
| Net charge-offs to loans | 0.0868% | 2,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.1479% | 2,077 |
| Efficiency ratio | 77.4811% | 2,139 |
| Assets per employee ($millions) | 5.0947% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 2,454 |
| Loan loss allowance to noncurrent loans | 126.4458% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 2,876 |
| Noncurrent loans to loans | 1.1557% | 2,333 |
| Net loans and leases to total assets | 61.8294% | 3,577 |
| Net loans and leases to deposits | 75.9742% | 3,277 |
| Net loans and leases to core deposits | 77.6269% | 3,614 |
| Total domestic deposits to total assets | 81.3821% | 4,492 |
| Equity capital to assets | 10.2190% | 3,788 |
| Core capital (leverage) ratio | 10.1659% | 3,381 |
| Tier 1 risk-based capital ratio | 15.2222% | 3,238 |
| Total risk-based capital ratio | 16.4751% | 3,174 |
| Memoranda: | ||
| Average total assets | $921,339,000 | 761 |
| Average earning assets | $870,959,000 | 736 |
| Average equity | $95,206,330 | 813 |
| Average total loans | $592,258,000 | 793 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 3,852 |
| Cost of funding earning assets | 0.6282% | 1,241 |
| Net interest margin | 3.2140% | 4,552 |
| Noninterest income to average assets | 0.5534% | 2,931 |
| Noninterest expense to average assets | 2.7778% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5824% | 4,351 |
| Return on assets (ROA) | 0.8224% | 3,272 |
| Pretax return on assets | 1.1613% | 2,828 |
| Return on Equity (ROE) | 7.9141% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.9141% | 1,598 |
| Net charge-offs to loans | -0.0215% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9193% | 2,354 |
| Assets per employee ($millions) | 4.8229% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 2,428 |
| Loan loss allowance to noncurrent loans | 107.7017% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 2,616 |
| Noncurrent loans to loans | 1.3962% | 2,056 |
| Net loans and leases to total assets | 63.5093% | 3,157 |
| Net loans and leases to deposits | 77.9112% | 2,818 |
| Net loans and leases to core deposits | 79.6040% | 3,213 |
| Total domestic deposits to total assets | 81.5151% | 4,669 |
| Equity capital to assets | 10.5503% | 3,478 |
| Core capital (leverage) ratio | 9.8526% | 3,816 |
| Tier 1 risk-based capital ratio | 14.9745% | 3,450 |
| Total risk-based capital ratio | 16.2429% | 3,366 |
| Memoranda: | ||
| Average total assets | $915,841,000 | 763 |
| Average earning assets | $868,453,500 | 737 |
| Average equity | $95,172,000 | 813 |
| Average total loans | $595,884,000 | 786 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,773 |
| Cost of funding earning assets | 0.6385% | 1,489 |
| Net interest margin | 3.3480% | 4,408 |
| Noninterest income to average assets | 0.6879% | 2,355 |
| Noninterest expense to average assets | 2.9608% | 2,966 |
| Loan and lease loss provision to assets | 0.1631% | 1,610 |
| Net operating income to assets | 0.5100% | 4,773 |
| Return on assets (ROA) | 0.8508% | 3,210 |
| Pretax return on assets | 1.1418% | 2,914 |
| Return on Equity (ROE) | 8.3967% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.0430% | 4,075 |
| Net charge-offs to loans | 0.6166% | 639 |
| Credit loss provision to net charge-offs | 38.6674% | 3,700 |
| Earnings coverage of net charge-offs (x) | 2.0165% | 4,272 |
| Efficiency ratio | 77.4795% | 2,282 |
| Assets per employee ($millions) | 4.7187% | 2,696 |
| Cash dividends to net income (ytd only)* | 63.7592% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,654 |
| Loan loss allowance to noncurrent loans | 84.6894% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 2,246 |
| Noncurrent loans to loans | 1.7214% | 1,688 |
| Net loans and leases to total assets | 64.6869% | 3,109 |
| Net loans and leases to deposits | 80.3140% | 2,679 |
| Net loans and leases to core deposits | 82.1316% | 3,092 |
| Total domestic deposits to total assets | 80.5424% | 4,873 |
| Equity capital to assets | 10.2347% | 3,815 |
| Core capital (leverage) ratio | 9.1035% | 4,821 |
| Tier 1 risk-based capital ratio | 15.1285% | 3,422 |
| Total risk-based capital ratio | 16.4155% | 3,352 |
| Memoranda: | ||
| Average total assets | $921,707,800 | 723 |
| Average earning assets | $859,847,800 | 713 |
| Average equity | $93,393,600 | 791 |
| Average total loans | $630,366,000 | 695 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,649 |
| Cost of funding earning assets | 0.6292% | 1,606 |
| Net interest margin | 3.3985% | 4,247 |
| Noninterest income to average assets | 0.7189% | 2,235 |
| Noninterest expense to average assets | 2.9688% | 2,910 |
| Loan and lease loss provision to assets | 0.1974% | 1,214 |
| Net operating income to assets | 0.5223% | 4,788 |
| Return on assets (ROA) | 0.7533% | 3,749 |
| Pretax return on assets | 1.0224% | 3,509 |
| Return on Equity (ROE) | 7.4535% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.4535% | 1,591 |
| Net charge-offs to loans | 0.5128% | 749 |
| Credit loss provision to net charge-offs | 55.7143% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.5620% | 3,883 |
| Efficiency ratio | 76.3773% | 2,431 |
| Assets per employee ($millions) | 4.6577% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,299 |
| Loan loss allowance to noncurrent loans | 78.7055% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5782% | 1,934 |
| Noncurrent loans to loans | 2.0339% | 1,550 |
| Net loans and leases to total assets | 66.3464% | 2,797 |
| Net loans and leases to deposits | 81.8937% | 2,438 |
| Net loans and leases to core deposits | 83.6996% | 2,918 |
| Total domestic deposits to total assets | 81.0152% | 4,820 |
| Equity capital to assets | 10.3731% | 3,709 |
| Core capital (leverage) ratio | 9.4823% | 4,402 |
| Tier 1 risk-based capital ratio | 14.7315% | 3,745 |
| Total risk-based capital ratio | 16.0349% | 3,652 |
| Memoranda: | ||
| Average total assets | $922,095,750 | 725 |
| Average earning assets | $856,699,000 | 717 |
| Average equity | $93,198,250 | 793 |
| Average total loans | $636,951,000 | 679 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 3,565 |
| Cost of funding earning assets | 0.6181% | 1,748 |
| Net interest margin | 3.4277% | 4,072 |
| Noninterest income to average assets | 0.7404% | 2,090 |
| Noninterest expense to average assets | 3.0434% | 2,678 |
| Loan and lease loss provision to assets | 0.2093% | 1,138 |
| Net operating income to assets | 0.4945% | 4,835 |
| Return on assets (ROA) | 0.7059% | 3,900 |
| Pretax return on assets | 0.9431% | 3,710 |
| Return on Equity (ROE) | 7.0473% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.0473% | 1,743 |
| Net charge-offs to loans | 0.2852% | 1,396 |
| Credit loss provision to net charge-offs | 105.3787% | 1,900 |
| Earnings coverage of net charge-offs (x) | 4.3831% | 3,118 |
| Efficiency ratio | 77.5469% | 2,364 |
| Assets per employee ($millions) | 4.5293% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 1,936 |
| Loan loss allowance to noncurrent loans | 76.1140% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 1,819 |
| Noncurrent loans to loans | 2.3214% | 1,393 |
| Net loans and leases to total assets | 66.3254% | 2,707 |
| Net loans and leases to deposits | 85.2314% | 1,897 |
| Net loans and leases to core deposits | 86.9167% | 2,424 |
| Total domestic deposits to total assets | 77.8180% | 5,669 |
| Equity capital to assets | 10.1423% | 3,913 |
| Core capital (leverage) ratio | 9.5244% | 4,295 |
| Tier 1 risk-based capital ratio | 13.7565% | 4,410 |
| Total risk-based capital ratio | 15.0805% | 4,322 |
| Memoranda: | ||
| Average total assets | $917,393,330 | 735 |
| Average earning assets | $849,365,000 | 718 |
| Average equity | $91,893,330 | 795 |
| Average total loans | $638,854,000 | 669 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,596 |
| Cost of funding earning assets | 0.5933% | 2,030 |
| Net interest margin | 3.4301% | 3,983 |
| Noninterest income to average assets | 0.6369% | 2,536 |
| Noninterest expense to average assets | 3.1008% | 2,529 |
| Loan and lease loss provision to assets | 0.1790% | 1,344 |
| Net operating income to assets | 0.4397% | 4,977 |
| Return on assets (ROA) | 0.5891% | 4,319 |
| Pretax return on assets | 0.7505% | 4,308 |
| Return on Equity (ROE) | 5.9202% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.9202% | 2,581 |
| Net charge-offs to loans | 0.0956% | 2,211 |
| Credit loss provision to net charge-offs | 264.7059% | 872 |
| Earnings coverage of net charge-offs (x) | 10.9477% | 1,815 |
| Efficiency ratio | 80.4856% | 2,132 |
| Assets per employee ($millions) | 4.2018% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,055 |
| Loan loss allowance to noncurrent loans | 75.9106% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.7992% | 1,951 |
| Noncurrent loans to loans | 2.3676% | 1,490 |
| Net loans and leases to total assets | 68.2518% | 2,185 |
| Net loans and leases to deposits | 86.4604% | 1,537 |
| Net loans and leases to core deposits | 88.0569% | 2,086 |
| Total domestic deposits to total assets | 78.9400% | 5,695 |
| Equity capital to assets | 10.0078% | 3,833 |
| Core capital (leverage) ratio | 9.3727% | 4,475 |
| Tier 1 risk-based capital ratio | 13.9097% | 4,386 |
| Total risk-based capital ratio | 15.2470% | 4,275 |
| Memoranda: | ||
| Average total assets | $905,045,000 | 749 |
| Average earning assets | $845,449,000 | 727 |
| Average equity | $90,065,000 | 815 |
| Average total loans | $640,239,000 | 670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,967 |
| Cost of funding earning assets | 0.5647% | 2,977 |
| Net interest margin | 3.4698% | 4,026 |
| Noninterest income to average assets | 0.8658% | 1,799 |
| Noninterest expense to average assets | 3.1097% | 2,704 |
| Loan and lease loss provision to assets | 0.3213% | 1,024 |
| Net operating income to assets | 0.4972% | 4,745 |
| Return on assets (ROA) | 0.8145% | 3,315 |
| Pretax return on assets | 1.1143% | 2,903 |
| Return on Equity (ROE) | 8.2233% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.0884% | 2,533 |
| Net charge-offs to loans | 0.2636% | 2,386 |
| Credit loss provision to net charge-offs | 171.7418% | 1,331 |
| Earnings coverage of net charge-offs (x) | 5.3496% | 3,323 |
| Efficiency ratio | 75.4144% | 2,874 |
| Assets per employee ($millions) | 4.0641% | 3,727 |
| Cash dividends to net income (ytd only)* | 38.1226% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 2,276 |
| Loan loss allowance to noncurrent loans | 78.7862% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.7654% | 2,099 |
| Noncurrent loans to loans | 2.2059% | 1,767 |
| Net loans and leases to total assets | 70.7601% | 1,892 |
| Net loans and leases to deposits | 89.4993% | 1,281 |
| Net loans and leases to core deposits | 91.0949% | 1,891 |
| Total domestic deposits to total assets | 79.0622% | 5,643 |
| Equity capital to assets | 9.8937% | 3,908 |
| Core capital (leverage) ratio | 9.2465% | 4,644 |
| Tier 1 risk-based capital ratio | 13.6917% | 4,525 |
| Total risk-based capital ratio | 15.0361% | 4,394 |
| Memoranda: | ||
| Average total assets | $877,581,400 | 751 |
| Average earning assets | $820,673,800 | 728 |
| Average equity | $86,923,400 | 814 |
| Average total loans | $622,878,200 | 673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 4,178 |
| Cost of funding earning assets | 0.5586% | 3,172 |
| Net interest margin | 3.4288% | 4,172 |
| Noninterest income to average assets | 0.8618% | 1,887 |
| Noninterest expense to average assets | 3.0673% | 2,767 |
| Loan and lease loss provision to assets | 0.3555% | 893 |
| Net operating income to assets | 0.4751% | 4,910 |
| Return on assets (ROA) | 0.8090% | 3,431 |
| Pretax return on assets | 1.1058% | 3,091 |
| Return on Equity (ROE) | 8.1656% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.9673% | 3,871 |
| Net charge-offs to loans | 0.3279% | 1,903 |
| Credit loss provision to net charge-offs | 153.3246% | 1,540 |
| Earnings coverage of net charge-offs (x) | 4.3292% | 3,467 |
| Efficiency ratio | 75.0994% | 2,888 |
| Assets per employee ($millions) | 4.1584% | 3,505 |
| Cash dividends to net income (ytd only)* | 51.4151% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,868 |
| Loan loss allowance to noncurrent loans | 73.7143% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 2,074 |
| Noncurrent loans to loans | 2.2182% | 1,999 |
| Net loans and leases to total assets | 72.4808% | 1,529 |
| Net loans and leases to deposits | 93.4053% | 870 |
| Net loans and leases to core deposits | 94.8258% | 1,496 |
| Total domestic deposits to total assets | 77.5981% | 5,960 |
| Equity capital to assets | 9.5837% | 4,444 |
| Core capital (leverage) ratio | 9.1891% | 4,852 |
| Tier 1 risk-based capital ratio | 13.0282% | 5,102 |
| Total risk-based capital ratio | 14.3526% | 5,006 |
| Memoranda: | ||
| Average total assets | $873,452,500 | 760 |
| Average earning assets | $817,520,250 | 735 |
| Average equity | $86,539,500 | 819 |
| Average total loans | $617,634,250 | 680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,420 |
| Cost of funding earning assets | 0.5707% | 3,215 |
| Net interest margin | 3.3449% | 4,402 |
| Noninterest income to average assets | 0.8923% | 1,837 |
| Noninterest expense to average assets | 3.0700% | 2,761 |
| Loan and lease loss provision to assets | 0.3699% | 884 |
| Net operating income to assets | 0.4245% | 5,129 |
| Return on assets (ROA) | 0.8641% | 3,130 |
| Pretax return on assets | 1.1928% | 2,708 |
| Return on Equity (ROE) | 8.6236% | 2,786 |
| Retained earnings to average equity (ytd only) | 2.3370% | 4,805 |
| Net charge-offs to loans | 0.2863% | 2,052 |
| Credit loss provision to net charge-offs | 185.3998% | 1,286 |
| Earnings coverage of net charge-offs (x) | 4.7729% | 3,039 |
| Efficiency ratio | 76.0747% | 2,776 |
| Assets per employee ($millions) | 3.9809% | 3,849 |
| Cash dividends to net income (ytd only)* | 72.8999% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 2,899 |
| Loan loss allowance to noncurrent loans | 67.9413% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.0742% | 2,086 |
| Noncurrent loans to loans | 2.4568% | 1,897 |
| Net loans and leases to total assets | 71.9740% | 1,581 |
| Net loans and leases to deposits | 93.1816% | 867 |
| Net loans and leases to core deposits | 95.2001% | 1,424 |
| Total domestic deposits to total assets | 77.2407% | 6,093 |
| Equity capital to assets | 9.5605% | 4,501 |
| Core capital (leverage) ratio | 9.3143% | 4,516 |
| Tier 1 risk-based capital ratio | 13.1812% | 5,006 |
| Total risk-based capital ratio | 14.4903% | 4,906 |
| Memoranda: | ||
| Average total assets | $865,198,330 | 765 |
| Average earning assets | $809,588,000 | 745 |
| Average equity | $86,692,000 | 818 |
| Average total loans | $602,894,000 | 690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 4,504 |
| Cost of funding earning assets | 0.5891% | 3,214 |
| Net interest margin | 3.3022% | 4,511 |
| Noninterest income to average assets | 0.8649% | 1,882 |
| Noninterest expense to average assets | 2.9952% | 3,011 |
| Loan and lease loss provision to assets | 0.4290% | 699 |
| Net operating income to assets | 0.3863% | 5,178 |
| Return on assets (ROA) | 0.9288% | 2,667 |
| Pretax return on assets | 1.2911% | 2,259 |
| Return on Equity (ROE) | 9.0564% | 2,464 |
| Retained earnings to average equity (ytd only) | 3.0324% | 4,463 |
| Net charge-offs to loans | 0.5083% | 1,184 |
| Credit loss provision to net charge-offs | 124.3243% | 1,568 |
| Earnings coverage of net charge-offs (x) | 2.8014% | 2,934 |
| Efficiency ratio | 75.3325% | 3,038 |
| Assets per employee ($millions) | 3.9166% | 4,128 |
| Cash dividends to net income (ytd only)* | 66.5161% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 2,860 |
| Loan loss allowance to noncurrent loans | 66.3412% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.1033% | 2,231 |
| Noncurrent loans to loans | 2.6151% | 1,970 |
| Net loans and leases to total assets | 68.2382% | 1,964 |
| Net loans and leases to deposits | 86.2792% | 1,320 |
| Net loans and leases to core deposits | 88.3456% | 1,867 |
| Total domestic deposits to total assets | 79.0900% | 5,946 |
| Equity capital to assets | 10.4022% | 3,667 |
| Core capital (leverage) ratio | 9.3556% | 4,312 |
| Tier 1 risk-based capital ratio | 14.3931% | 4,247 |
| Total risk-based capital ratio | 15.7324% | 4,152 |
| Memoranda: | ||
| Average total assets | $857,903,500 | 780 |
| Average earning assets | $804,566,500 | 760 |
| Average equity | $87,982,000 | 814 |
| Average total loans | $582,357,000 | 719 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 4,772 |
| Cost of funding earning assets | 0.7826% | 2,802 |
| Net interest margin | 3.3673% | 5,008 |
| Noninterest income to average assets | 0.8735% | 1,949 |
| Noninterest expense to average assets | 3.2009% | 2,612 |
| Loan and lease loss provision to assets | 0.2518% | 2,643 |
| Net operating income to assets | 0.4408% | 4,922 |
| Return on assets (ROA) | 0.7883% | 3,586 |
| Pretax return on assets | 1.0195% | 3,475 |
| Return on Equity (ROE) | 7.6689% | 3,251 |
| Retained earnings to average equity (ytd only) | 3.8704% | 3,470 |
| Net charge-offs to loans | 0.4519% | 2,424 |
| Credit loss provision to net charge-offs | 86.8421% | 3,596 |
| Earnings coverage of net charge-offs (x) | 2.8285% | 4,014 |
| Efficiency ratio | 79.3169% | 2,242 |
| Assets per employee ($millions) | 4.0646% | 3,826 |
| Cash dividends to net income (ytd only)* | 49.5312% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 2,803 |
| Loan loss allowance to noncurrent loans | 82.1060% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 2,950 |
| Noncurrent loans to loans | 2.1125% | 2,566 |
| Net loans and leases to total assets | 65.2116% | 2,671 |
| Net loans and leases to deposits | 83.3803% | 1,829 |
| Net loans and leases to core deposits | 85.3774% | 2,391 |
| Total domestic deposits to total assets | 78.2099% | 6,047 |
| Equity capital to assets | 10.1127% | 4,020 |
| Core capital (leverage) ratio | 9.2070% | 4,572 |
| Tier 1 risk-based capital ratio | 14.4835% | 4,044 |
| Total risk-based capital ratio | 15.7739% | 3,972 |
| Memoranda: | ||
| Average total assets | $838,808,400 | 781 |
| Average earning assets | $784,040,600 | 761 |
| Average equity | $86,218,200 | 806 |
| Average total loans | $538,145,000 | 769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 4,855 |
| Cost of funding earning assets | 0.8210% | 2,766 |
| Net interest margin | 3.3681% | 5,146 |
| Noninterest income to average assets | 0.8331% | 2,104 |
| Noninterest expense to average assets | 3.1307% | 2,796 |
| Loan and lease loss provision to assets | 0.2878% | 2,271 |
| Net operating income to assets | 0.4407% | 5,076 |
| Return on assets (ROA) | 0.7576% | 3,912 |
| Pretax return on assets | 0.9663% | 3,840 |
| Return on Equity (ROE) | 7.3393% | 3,620 |
| Retained earnings to average equity (ytd only) | 3.9588% | 4,095 |
| Net charge-offs to loans | 0.4302% | 2,378 |
| Credit loss provision to net charge-offs | 105.2199% | 2,790 |
| Earnings coverage of net charge-offs (x) | 3.0997% | 3,784 |
| Efficiency ratio | 78.3943% | 2,340 |
| Assets per employee ($millions) | 4.0344% | 3,800 |
| Cash dividends to net income (ytd only)* | 46.0610% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,664 |
| Loan loss allowance to noncurrent loans | 75.4762% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.7916% | 2,925 |
| Noncurrent loans to loans | 2.4423% | 2,354 |
| Net loans and leases to total assets | 64.5741% | 2,917 |
| Net loans and leases to deposits | 82.3171% | 2,075 |
| Net loans and leases to core deposits | 84.5284% | 2,638 |
| Total domestic deposits to total assets | 78.4455% | 5,978 |
| Equity capital to assets | 10.2840% | 4,099 |
| Core capital (leverage) ratio | 9.0036% | 5,064 |
| Tier 1 risk-based capital ratio | 14.7354% | 4,023 |
| Total risk-based capital ratio | 16.0413% | 3,942 |
| Memoranda: | ||
| Average total assets | $831,056,500 | 795 |
| Average earning assets | $776,117,250 | 776 |
| Average equity | $85,782,250 | 814 |
| Average total loans | $528,373,000 | 784 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 4,708 |
| Cost of funding earning assets | 0.8567% | 2,743 |
| Net interest margin | 3.4079% | 5,051 |
| Noninterest income to average assets | 0.7049% | 2,638 |
| Noninterest expense to average assets | 3.1374% | 2,791 |
| Loan and lease loss provision to assets | 0.3593% | 1,842 |
| Net operating income to assets | 0.3275% | 5,509 |
| Return on assets (ROA) | 0.6161% | 4,550 |
| Pretax return on assets | 0.7217% | 4,765 |
| Return on Equity (ROE) | 5.9610% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.6048% | 4,879 |
| Net charge-offs to loans | 0.3387% | 2,669 |
| Credit loss provision to net charge-offs | 168.8787% | 1,652 |
| Earnings coverage of net charge-offs (x) | 3.4851% | 3,355 |
| Efficiency ratio | 80.5711% | 2,091 |
| Assets per employee ($millions) | 3.8697% | 4,146 |
| Cash dividends to net income (ytd only)* | 56.3019% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 2,038 |
| Loan loss allowance to noncurrent loans | 70.7702% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0794% | 2,688 |
| Noncurrent loans to loans | 2.9367% | 2,038 |
| Net loans and leases to total assets | 61.6335% | 3,507 |
| Net loans and leases to deposits | 78.5733% | 2,586 |
| Net loans and leases to core deposits | 80.3287% | 3,173 |
| Total domestic deposits to total assets | 78.4407% | 6,072 |
| Equity capital to assets | 10.2948% | 3,941 |
| Core capital (leverage) ratio | 9.4100% | 4,283 |
| Tier 1 risk-based capital ratio | 15.7570% | 3,300 |
| Total risk-based capital ratio | 17.0512% | 3,242 |
| Memoranda: | ||
| Average total assets | $821,632,670 | 809 |
| Average earning assets | $765,224,670 | 786 |
| Average equity | $84,918,670 | 813 |
| Average total loans | $516,056,000 | 805 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 4,593 |
| Cost of funding earning assets | 0.8573% | 3,014 |
| Net interest margin | 3.4763% | 4,806 |
| Noninterest income to average assets | 0.6031% | 3,216 |
| Noninterest expense to average assets | 3.1091% | 2,890 |
| Loan and lease loss provision to assets | 0.3624% | 1,743 |
| Net operating income to assets | 0.2958% | 5,675 |
| Return on assets (ROA) | 0.7175% | 4,019 |
| Pretax return on assets | 0.8879% | 4,075 |
| Return on Equity (ROE) | 6.9280% | 3,822 |
| Retained earnings to average equity (ytd only) | 5.0312% | 3,543 |
| Net charge-offs to loans | 0.0321% | 4,238 |
| Credit loss provision to net charge-offs | 1,800.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 36.2439% | 812 |
| Efficiency ratio | 80.6575% | 2,129 |
| Assets per employee ($millions) | 3.8616% | 4,284 |
| Cash dividends to net income (ytd only)* | 27.3785% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 2,061 |
| Loan loss allowance to noncurrent loans | 65.0870% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.2666% | 2,631 |
| Noncurrent loans to loans | 3.2529% | 1,969 |
| Net loans and leases to total assets | 62.5787% | 3,144 |
| Net loans and leases to deposits | 81.5316% | 1,995 |
| Net loans and leases to core deposits | 83.0181% | 2,686 |
| Total domestic deposits to total assets | 76.7539% | 6,439 |
| Equity capital to assets | 10.4210% | 3,595 |
| Core capital (leverage) ratio | 9.2708% | 4,410 |
| Tier 1 risk-based capital ratio | 15.6505% | 3,360 |
| Total risk-based capital ratio | 16.9651% | 3,302 |
| Memoranda: | ||
| Average total assets | $814,519,500 | 817 |
| Average earning assets | $758,154,500 | 794 |
| Average equity | $84,353,000 | 812 |
| Average total loans | $511,032,500 | 813 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 5,676 |
| Cost of funding earning assets | 0.9970% | 3,404 |
| Net interest margin | 3.3287% | 5,728 |
| Noninterest income to average assets | 1.2133% | 900 |
| Noninterest expense to average assets | 3.2947% | 2,541 |
| Loan and lease loss provision to assets | 0.5760% | 1,801 |
| Net operating income to assets | 0.3604% | 5,032 |
| Return on assets (ROA) | 0.7177% | 3,574 |
| Pretax return on assets | 0.8685% | 3,716 |
| Return on Equity (ROE) | 7.5807% | 3,112 |
| Retained earnings to average equity (ytd only) | 1.0195% | 5,384 |
| Net charge-offs to loans | 0.5909% | 2,680 |
| Credit loss provision to net charge-offs | 156.0616% | 1,799 |
| Earnings coverage of net charge-offs (x) | 2.7475% | 3,848 |
| Efficiency ratio | 76.1539% | 2,868 |
| Assets per employee ($millions) | 3.8773% | 4,140 |
| Cash dividends to net income (ytd only)* | 86.5507% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 2,099 |
| Loan loss allowance to noncurrent loans | 60.1362% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.2593% | 2,663 |
| Noncurrent loans to loans | 3.4284% | 1,882 |
| Net loans and leases to total assets | 60.2787% | 3,940 |
| Net loans and leases to deposits | 79.2968% | 2,643 |
| Net loans and leases to core deposits | 80.6484% | 3,368 |
| Total domestic deposits to total assets | 76.0165% | 6,483 |
| Equity capital to assets | 10.2912% | 3,794 |
| Core capital (leverage) ratio | 9.0669% | 4,669 |
| Tier 1 risk-based capital ratio | 15.5489% | 3,296 |
| Total risk-based capital ratio | 16.8285% | 3,233 |
| Memoranda: | ||
| Average total assets | $809,083,800 | 810 |
| Average earning assets | $752,376,200 | 787 |
| Average equity | $76,602,800 | 874 |
| Average total loans | $505,301,000 | 825 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 5,882 |
| Cost of funding earning assets | 1.0044% | 3,652 |
| Net interest margin | 3.3168% | 5,815 |
| Noninterest income to average assets | 1.3756% | 687 |
| Noninterest expense to average assets | 3.0783% | 3,242 |
| Loan and lease loss provision to assets | 0.5356% | 1,840 |
| Net operating income to assets | 0.6580% | 3,835 |
| Return on assets (ROA) | 0.8986% | 2,892 |
| Pretax return on assets | 1.1641% | 2,769 |
| Return on Equity (ROE) | 9.7032% | 2,310 |
| Retained earnings to average equity (ytd only) | 3.3223% | 4,359 |
| Net charge-offs to loans | 0.4453% | 2,943 |
| Credit loss provision to net charge-offs | 191.8983% | 1,521 |
| Earnings coverage of net charge-offs (x) | 4.9704% | 2,914 |
| Efficiency ratio | 68.6306% | 4,189 |
| Assets per employee ($millions) | 3.8882% | 4,102 |
| Cash dividends to net income (ytd only)* | 65.7604% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 2,205 |
| Loan loss allowance to noncurrent loans | 57.0694% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.5186% | 2,565 |
| Noncurrent loans to loans | 3.5932% | 1,913 |
| Net loans and leases to total assets | 60.8998% | 3,963 |
| Net loans and leases to deposits | 80.9534% | 2,531 |
| Net loans and leases to core deposits | 81.9719% | 3,334 |
| Total domestic deposits to total assets | 75.2282% | 6,615 |
| Equity capital to assets | 10.8100% | 3,340 |
| Core capital (leverage) ratio | 9.4917% | 4,160 |
| Tier 1 risk-based capital ratio | 16.2672% | 2,984 |
| Total risk-based capital ratio | 17.5297% | 2,942 |
| Memoranda: | ||
| Average total assets | $807,795,750 | 818 |
| Average earning assets | $752,544,000 | 795 |
| Average equity | $74,804,750 | 908 |
| Average total loans | $506,340,500 | 838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 5,846 |
| Cost of funding earning assets | 1.0235% | 3,793 |
| Net interest margin | 3.3273% | 5,781 |
| Noninterest income to average assets | 1.7480% | 443 |
| Noninterest expense to average assets | 3.1175% | 3,184 |
| Loan and lease loss provision to assets | 0.6493% | 1,478 |
| Net operating income to assets | 0.8108% | 3,024 |
| Return on assets (ROA) | 0.9871% | 2,380 |
| Pretax return on assets | 1.3095% | 2,109 |
| Return on Equity (ROE) | 11.2813% | 1,704 |
| Retained earnings to average equity (ytd only) | 4.0012% | 3,654 |
| Net charge-offs to loans | 0.6065% | 2,309 |
| Credit loss provision to net charge-offs | 170.3368% | 1,774 |
| Earnings coverage of net charge-offs (x) | 4.5220% | 2,839 |
| Efficiency ratio | 64.1083% | 5,217 |
| Assets per employee ($millions) | 3.7224% | 4,377 |
| Cash dividends to net income (ytd only)* | 64.5323% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 2,441 |
| Loan loss allowance to noncurrent loans | 52.4689% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.6920% | 2,485 |
| Noncurrent loans to loans | 3.7626% | 1,862 |
| Net loans and leases to total assets | 62.1890% | 3,853 |
| Net loans and leases to deposits | 81.6921% | 2,494 |
| Net loans and leases to core deposits | 82.4889% | 3,434 |
| Total domestic deposits to total assets | 76.1262% | 6,582 |
| Equity capital to assets | 9.4135% | 4,950 |
| Core capital (leverage) ratio | 8.0435% | 6,249 |
| Tier 1 risk-based capital ratio | 14.0641% | 4,126 |
| Total risk-based capital ratio | 15.4141% | 4,015 |
| Memoranda: | ||
| Average total assets | $810,073,330 | 828 |
| Average earning assets | $753,108,000 | 805 |
| Average equity | $70,878,330 | 961 |
| Average total loans | $509,121,670 | 847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 6,367 |
| Cost of funding earning assets | 1.0228% | 4,047 |
| Net interest margin | 3.1401% | 6,244 |
| Noninterest income to average assets | 0.7984% | 2,041 |
| Noninterest expense to average assets | 3.0044% | 3,633 |
| Loan and lease loss provision to assets | 0.2978% | 2,779 |
| Net operating income to assets | 0.3953% | 4,972 |
| Return on assets (ROA) | 0.5345% | 4,421 |
| Pretax return on assets | 0.5670% | 4,811 |
| Return on Equity (ROE) | 6.3358% | 3,709 |
| Retained earnings to average equity (ytd only) | 1.4577% | 5,231 |
| Net charge-offs to loans | 0.1091% | 3,874 |
| Credit loss provision to net charge-offs | 436.1702% | 796 |
| Earnings coverage of net charge-offs (x) | 10.4965% | 1,630 |
| Efficiency ratio | 80.3643% | 2,461 |
| Assets per employee ($millions) | 3.8400% | 4,214 |
| Cash dividends to net income (ytd only)* | 76.9928% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 3,030 |
| Loan loss allowance to noncurrent loans | 44.5681% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 2.7987% | 2,463 |
| Noncurrent loans to loans | 4.0260% | 1,802 |
| Net loans and leases to total assets | 60.5393% | 4,165 |
| Net loans and leases to deposits | 78.4343% | 2,988 |
| Net loans and leases to core deposits | 79.6646% | 3,801 |
| Total domestic deposits to total assets | 77.1847% | 6,499 |
| Equity capital to assets | 8.4896% | 5,922 |
| Core capital (leverage) ratio | 7.4595% | 6,755 |
| Tier 1 risk-based capital ratio | 12.8859% | 4,917 |
| Total risk-based capital ratio | 14.2196% | 4,835 |
| Memoranda: | ||
| Average total assets | $826,117,000 | 813 |
| Average earning assets | $768,899,500 | 792 |
| Average equity | $69,699,500 | 965 |
| Average total loans | $516,899,500 | 843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 6,125 |
| Cost of funding earning assets | 1.2047% | 4,537 |
| Net interest margin | 3.3913% | 5,668 |
| Noninterest income to average assets | 1.0087% | 1,475 |
| Noninterest expense to average assets | 2.9861% | 3,904 |
| Loan and lease loss provision to assets | 0.4141% | 3,621 |
| Net operating income to assets | 0.6592% | 3,394 |
| Return on assets (ROA) | 0.6414% | 3,632 |
| Pretax return on assets | 0.7373% | 3,839 |
| Return on Equity (ROE) | 7.6611% | 2,830 |
| Retained earnings to average equity (ytd only) | 5.5993% | 2,059 |
| Net charge-offs to loans | 0.4829% | 3,689 |
| Credit loss provision to net charge-offs | 121.0966% | 3,475 |
| Earnings coverage of net charge-offs (x) | 3.4267% | 3,366 |
| Efficiency ratio | 71.1376% | 3,963 |
| Assets per employee ($millions) | 3.8992% | 4,006 |
| Cash dividends to net income (ytd only)* | 26.9119% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 3,398 |
| Loan loss allowance to noncurrent loans | 52.1566% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2377% | 3,042 |
| Noncurrent loans to loans | 3.1628% | 2,408 |
| Net loans and leases to total assets | 62.4456% | 4,188 |
| Net loans and leases to deposits | 79.3448% | 3,285 |
| Net loans and leases to core deposits | 80.8196% | 4,091 |
| Total domestic deposits to total assets | 78.7016% | 6,162 |
| Equity capital to assets | 8.3845% | 6,026 |
| Core capital (leverage) ratio | 7.5577% | 6,655 |
| Tier 1 risk-based capital ratio | 12.9482% | 4,636 |
| Total risk-based capital ratio | 14.2566% | 4,559 |
| Memoranda: | ||
| Average total assets | $805,275,600 | 840 |
| Average earning assets | $747,799,400 | 817 |
| Average equity | $67,418,600 | 997 |
| Average total loans | $570,354,200 | 789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6837% | 6,085 |
| Cost of funding earning assets | 1.2561% | 4,533 |
| Net interest margin | 3.4276% | 5,580 |
| Noninterest income to average assets | 0.9264% | 1,700 |
| Noninterest expense to average assets | 2.9878% | 3,794 |
| Loan and lease loss provision to assets | 0.4409% | 3,272 |
| Net operating income to assets | 0.6256% | 3,768 |
| Return on assets (ROA) | 0.5789% | 4,123 |
| Pretax return on assets | 0.6282% | 4,495 |
| Return on Equity (ROE) | 6.9168% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.4231% | 2,694 |
| Net charge-offs to loans | 0.4465% | 3,524 |
| Credit loss provision to net charge-offs | 135.7803% | 2,959 |
| Earnings coverage of net charge-offs (x) | 3.4492% | 3,444 |
| Efficiency ratio | 71.9335% | 3,714 |
| Assets per employee ($millions) | 3.8033% | 4,262 |
| Cash dividends to net income (ytd only)* | 21.5953% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,706 |
| Loan loss allowance to noncurrent loans | 49.4812% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.4223% | 2,952 |
| Noncurrent loans to loans | 3.1477% | 2,532 |
| Net loans and leases to total assets | 68.4546% | 3,113 |
| Net loans and leases to deposits | 86.1357% | 2,310 |
| Net loans and leases to core deposits | 87.5679% | 3,434 |
| Total domestic deposits to total assets | 79.4729% | 5,875 |
| Equity capital to assets | 8.5487% | 6,220 |
| Core capital (leverage) ratio | 7.4774% | 6,859 |
| Tier 1 risk-based capital ratio | 12.3286% | 5,145 |
| Total risk-based capital ratio | 13.5947% | 5,101 |
| Memoranda: | ||
| Average total assets | $799,935,500 | 850 |
| Average earning assets | $742,472,750 | 825 |
| Average equity | $66,946,000 | 1,001 |
| Average total loans | $581,728,750 | 775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 6,140 |
| Cost of funding earning assets | 1.2974% | 4,556 |
| Net interest margin | 3.4052% | 5,624 |
| Noninterest income to average assets | 0.8160% | 2,038 |
| Noninterest expense to average assets | 2.9784% | 3,791 |
| Loan and lease loss provision to assets | 0.4155% | 3,239 |
| Net operating income to assets | 0.5938% | 3,904 |
| Return on assets (ROA) | 0.4708% | 4,617 |
| Pretax return on assets | 0.4557% | 5,045 |
| Return on Equity (ROE) | 5.6666% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.6666% | 2,515 |
| Net charge-offs to loans | 0.5937% | 2,745 |
| Credit loss provision to net charge-offs | 94.8424% | 4,266 |
| Earnings coverage of net charge-offs (x) | 2.2693% | 3,872 |
| Efficiency ratio | 73.9097% | 3,491 |
| Assets per employee ($millions) | 3.7733% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 4,655 |
| Loan loss allowance to noncurrent loans | 41.1828% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.6008% | 2,787 |
| Noncurrent loans to loans | 3.2903% | 2,433 |
| Net loans and leases to total assets | 71.6727% | 2,494 |
| Net loans and leases to deposits | 89.9876% | 1,853 |
| Net loans and leases to core deposits | 91.7110% | 3,026 |
| Total domestic deposits to total assets | 79.6473% | 5,836 |
| Equity capital to assets | 8.3540% | 6,351 |
| Core capital (leverage) ratio | 7.6696% | 6,648 |
| Tier 1 risk-based capital ratio | 11.7676% | 5,529 |
| Total risk-based capital ratio | 13.0219% | 5,485 |
| Memoranda: | ||
| Average total assets | $796,543,670 | 855 |
| Average earning assets | $738,409,000 | 834 |
| Average equity | $66,176,670 | 1,001 |
| Average total loans | $587,861,000 | 770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 6,395 |
| Cost of funding earning assets | 1.3511% | 4,486 |
| Net interest margin | 3.3031% | 5,961 |
| Noninterest income to average assets | 0.7952% | 2,045 |
| Noninterest expense to average assets | 2.9864% | 3,729 |
| Loan and lease loss provision to assets | 0.4384% | 2,772 |
| Net operating income to assets | 0.4714% | 4,530 |
| Return on assets (ROA) | 0.1850% | 5,863 |
| Pretax return on assets | -0.0101% | 6,371 |
| Return on Equity (ROE) | 2.2331% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.2331% | 4,790 |
| Net charge-offs to loans | 0.0818% | 4,601 |
| Credit loss provision to net charge-offs | 720.8333% | 626 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,433 |
| Efficiency ratio | 75.8530% | 3,242 |
| Assets per employee ($millions) | 3.7882% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,887 |
| Loan loss allowance to noncurrent loans | 42.9775% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.9609% | 2,430 |
| Noncurrent loans to loans | 3.5003% | 2,276 |
| Net loans and leases to total assets | 74.3777% | 1,893 |
| Net loans and leases to deposits | 92.9356% | 1,483 |
| Net loans and leases to core deposits | 95.2930% | 2,666 |
| Total domestic deposits to total assets | 80.0314% | 5,774 |
| Equity capital to assets | 8.5114% | 5,986 |
| Core capital (leverage) ratio | 7.4615% | 6,889 |
| Tier 1 risk-based capital ratio | 11.5315% | 5,646 |
| Total risk-based capital ratio | 12.8382% | 5,563 |
| Memoranda: | ||
| Average total assets | $789,188,500 | 880 |
| Average earning assets | $732,757,000 | 853 |
| Average equity | $65,379,000 | 1,018 |
| Average total loans | $587,074,000 | 792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 6,231 |
| Cost of funding earning assets | 1.8474% | 3,746 |
| Net interest margin | 3.2105% | 6,051 |
| Noninterest income to average assets | 0.7882% | 2,463 |
| Noninterest expense to average assets | 3.2574% | 3,162 |
| Loan and lease loss provision to assets | 0.2772% | 5,199 |
| Net operating income to assets | 0.3304% | 4,414 |
| Return on assets (ROA) | 0.2979% | 4,619 |
| Pretax return on assets | 0.1986% | 5,006 |
| Return on Equity (ROE) | 3.6145% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.6145% | 2,654 |
| Net charge-offs to loans | 0.1865% | 5,492 |
| Credit loss provision to net charge-offs | 198.4948% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.6397% | 3,262 |
| Efficiency ratio | 84.9224% | 2,241 |
| Assets per employee ($millions) | 3.8363% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 4,373 |
| Loan loss allowance to noncurrent loans | 67.8911% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8159% | 3,644 |
| Noncurrent loans to loans | 2.0243% | 3,616 |
| Net loans and leases to total assets | 72.2934% | 2,681 |
| Net loans and leases to deposits | 91.4452% | 1,979 |
| Net loans and leases to core deposits | 102.9230% | 3,697 |
| Total domestic deposits to total assets | 79.0565% | 5,964 |
| Equity capital to assets | 8.0644% | 6,512 |
| Core capital (leverage) ratio | 7.3497% | 6,940 |
| Tier 1 risk-based capital ratio | 11.4738% | 5,415 |
| Total risk-based capital ratio | 12.7586% | 5,351 |
| Memoranda: | ||
| Average total assets | $761,217,600 | 900 |
| Average earning assets | $705,973,200 | 885 |
| Average equity | $62,747,400 | 1,054 |
| Average total loans | $569,991,400 | 836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1346% | 6,158 |
| Cost of funding earning assets | 1.9557% | 3,590 |
| Net interest margin | 3.1789% | 6,091 |
| Noninterest income to average assets | 0.8008% | 2,430 |
| Noninterest expense to average assets | 3.2683% | 3,039 |
| Loan and lease loss provision to assets | 0.2397% | 5,051 |
| Net operating income to assets | 0.3692% | 4,520 |
| Return on assets (ROA) | 0.2837% | 4,951 |
| Pretax return on assets | 0.1552% | 5,397 |
| Return on Equity (ROE) | 3.4216% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.4216% | 3,381 |
| Net charge-offs to loans | 0.1323% | 5,376 |
| Credit loss provision to net charge-offs | 240.6417% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.8235% | 3,001 |
| Efficiency ratio | 85.5756% | 2,114 |
| Assets per employee ($millions) | 3.7188% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,205 |
| Loan loss allowance to noncurrent loans | 62.5270% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.8403% | 3,596 |
| Noncurrent loans to loans | 2.1584% | 3,433 |
| Net loans and leases to total assets | 73.8892% | 2,560 |
| Net loans and leases to deposits | 93.2333% | 2,013 |
| Net loans and leases to core deposits | 105.4047% | 3,770 |
| Total domestic deposits to total assets | 79.2519% | 5,711 |
| Equity capital to assets | 8.3236% | 6,476 |
| Core capital (leverage) ratio | 7.3707% | 7,108 |
| Tier 1 risk-based capital ratio | 11.7152% | 5,227 |
| Total risk-based capital ratio | 13.0055% | 5,142 |
| Memoranda: | ||
| Average total assets | $751,074,000 | 921 |
| Average earning assets | $696,488,000 | 905 |
| Average equity | $62,269,250 | 1,075 |
| Average total loans | $565,559,250 | 861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 6,072 |
| Cost of funding earning assets | 2.0902% | 3,321 |
| Net interest margin | 3.1119% | 6,195 |
| Noninterest income to average assets | 0.8236% | 2,299 |
| Noninterest expense to average assets | 3.3134% | 2,903 |
| Loan and lease loss provision to assets | 0.2421% | 4,647 |
| Net operating income to assets | 0.2550% | 5,067 |
| Return on assets (ROA) | 0.2999% | 5,015 |
| Pretax return on assets | 0.1926% | 5,485 |
| Return on Equity (ROE) | 3.6222% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.6222% | 3,284 |
| Net charge-offs to loans | 0.0488% | 5,793 |
| Credit loss provision to net charge-offs | 656.9343% | 707 |
| Earnings coverage of net charge-offs (x) | 10.5766% | 1,981 |
| Efficiency ratio | 87.8196% | 2,037 |
| Assets per employee ($millions) | 3.6655% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 3,955 |
| Loan loss allowance to noncurrent loans | 60.3173% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 3,499 |
| Noncurrent loans to loans | 2.2464% | 3,190 |
| Net loans and leases to total assets | 73.7054% | 2,787 |
| Net loans and leases to deposits | 93.2410% | 2,224 |
| Net loans and leases to core deposits | 108.1215% | 3,597 |
| Total domestic deposits to total assets | 79.0483% | 5,797 |
| Equity capital to assets | 8.1280% | 6,597 |
| Core capital (leverage) ratio | 7.4889% | 7,033 |
| Tier 1 risk-based capital ratio | 11.4201% | 5,472 |
| Total risk-based capital ratio | 12.6746% | 5,380 |
| Memoranda: | ||
| Average total assets | $743,597,670 | 943 |
| Average earning assets | $688,061,330 | 927 |
| Average equity | $61,564,670 | 1,108 |
| Average total loans | $560,961,000 | 894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 5,601 |
| Cost of funding earning assets | 2.1699% | 3,320 |
| Net interest margin | 3.1931% | 5,878 |
| Noninterest income to average assets | 0.8049% | 2,298 |
| Noninterest expense to average assets | 3.1046% | 3,357 |
| Loan and lease loss provision to assets | 0.2464% | 4,006 |
| Net operating income to assets | 0.3731% | 4,964 |
| Return on assets (ROA) | 0.5131% | 4,553 |
| Pretax return on assets | 0.5689% | 4,849 |
| Return on Equity (ROE) | 6.1378% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1378% | 2,568 |
| Net charge-offs to loans | 0.0888% | 4,283 |
| Credit loss provision to net charge-offs | 365.8537% | 1,394 |
| Earnings coverage of net charge-offs (x) | 9.7967% | 2,019 |
| Efficiency ratio | 80.8000% | 2,696 |
| Assets per employee ($millions) | 3.6345% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,838 |
| Loan loss allowance to noncurrent loans | 68.1267% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 3,503 |
| Noncurrent loans to loans | 1.9704% | 3,304 |
| Net loans and leases to total assets | 72.9252% | 3,026 |
| Net loans and leases to deposits | 94.6256% | 2,166 |
| Net loans and leases to core deposits | 110.7234% | 3,342 |
| Total domestic deposits to total assets | 77.0671% | 6,261 |
| Equity capital to assets | 8.3132% | 6,369 |
| Core capital (leverage) ratio | 7.4818% | 7,181 |
| Tier 1 risk-based capital ratio | 11.5648% | 5,347 |
| Total risk-based capital ratio | 12.8190% | 5,240 |
| Memoranda: | ||
| Average total assets | $730,521,000 | 954 |
| Average earning assets | $677,076,000 | 942 |
| Average equity | $61,064,500 | 1,125 |
| Average total loans | $553,871,000 | 909 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9583% | 5,762 |
| Cost of funding earning assets | 2.3265% | 5,029 |
| Net interest margin | 3.6318% | 4,747 |
| Noninterest income to average assets | 0.7489% | 2,791 |
| Noninterest expense to average assets | 3.0821% | 3,776 |
| Loan and lease loss provision to assets | 0.1920% | 4,965 |
| Net operating income to assets | 0.7524% | 3,657 |
| Return on assets (ROA) | 0.0604% | 6,060 |
| Pretax return on assets | -0.2530% | 6,414 |
| Return on Equity (ROE) | 0.7055% | 6,009 |
| Retained earnings to average equity (ytd only) | -2.0832% | 5,897 |
| Net charge-offs to loans | 0.1057% | 5,240 |
| Credit loss provision to net charge-offs | 241.0714% | 1,941 |
| Earnings coverage of net charge-offs (x) | 12.8089% | 2,203 |
| Efficiency ratio | 73.5231% | 3,658 |
| Assets per employee ($millions) | 3.5980% | 4,418 |
| Cash dividends to net income (ytd only)* | 395.2941% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 4,077 |
| Loan loss allowance to noncurrent loans | 68.7463% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 3,113 |
| Noncurrent loans to loans | 1.8271% | 3,021 |
| Net loans and leases to total assets | 76.8006% | 2,429 |
| Net loans and leases to deposits | 102.5585% | 1,525 |
| Net loans and leases to core deposits | 119.5299% | 2,739 |
| Total domestic deposits to total assets | 74.8847% | 6,478 |
| Equity capital to assets | 8.4062% | 6,240 |
| Core capital (leverage) ratio | 6.8233% | 7,805 |
| Tier 1 risk-based capital ratio | 10.5751% | 6,131 |
| Total risk-based capital ratio | 11.8285% | 6,031 |
| Memoranda: | ||
| Average total assets | $703,128,000 | 952 |
| Average earning assets | $649,209,800 | 934 |
| Average equity | $60,242,800 | 1,117 |
| Average total loans | $529,924,200 | 896 |