Home > Oak Valley Community Bank > Performance and Condition Ratios
Oak Valley Community 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 | 4.6023% | 2,888 |
| Cost of funding earning assets | 0.2761% | 4,395 |
| Net interest margin | 4.3261% | 778 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.1584% | 3,229 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.6514% | 792 |
| Return on assets (ROA) | 1.6597% | 753 |
| Pretax return on assets | 2.1771% | 508 |
| Return on Equity (ROE) | 21.9300% | 461 |
| Retained earnings to average equity (ytd only) | 20.0765% | 131 |
| Net charge-offs to loans | -0.0118% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.5043% | 4,015 |
| Assets per employee ($millions) | 8.2985% | 1,280 |
| Cash dividends to net income (ytd only)* | 8.4404% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 2,966 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.5100% | 3,313 |
| Net loans and leases to deposits | 60.8395% | 3,480 |
| Net loans and leases to core deposits | 61.6659% | 3,694 |
| Total domestic deposits to total assets | 89.6000% | 875 |
| Equity capital to assets | 9.0007% | 2,674 |
| Core capital (leverage) ratio | 9.6411% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7045% | 1,629 |
| Memoranda: | ||
| Average total assets | $1,889,583,400 | 601 |
| Average earning assets | $1,761,875,200 | 587 |
| Average equity | $143,022,800 | 700 |
| Average total loans | $954,857,200 | 756 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 2,764 |
| Cost of funding earning assets | 0.1924% | 4,448 |
| Net interest margin | 4.3747% | 724 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1236% | 3,290 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.7807% | 693 |
| Return on assets (ROA) | 1.7815% | 679 |
| Pretax return on assets | 2.3230% | 470 |
| Return on Equity (ROE) | 24.6700% | 398 |
| Retained earnings to average equity (ytd only) | 22.0970% | 190 |
| Net charge-offs to loans | -0.0121% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.1748% | 4,033 |
| Assets per employee ($millions) | 8.1570% | 1,275 |
| Cash dividends to net income (ytd only)* | 10.4188% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,339 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.3200% | 3,476 |
| Net loans and leases to deposits | 57.6113% | 3,625 |
| Net loans and leases to core deposits | 58.2526% | 3,775 |
| Total domestic deposits to total assets | 90.8100% | 715 |
| Equity capital to assets | 7.3481% | 3,441 |
| Core capital (leverage) ratio | 9.2373% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5273% | 1,703 |
| Memoranda: | ||
| Average total assets | $1,901,412,000 | 600 |
| Average earning assets | $1,772,935,500 | 582 |
| Average equity | $137,324,250 | 721 |
| Average total loans | $939,778,250 | 767 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 2,692 |
| Cost of funding earning assets | 0.1279% | 4,499 |
| Net interest margin | 4.3548% | 749 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.0617% | 3,438 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 1.8506% | 609 |
| Return on assets (ROA) | 1.8626% | 592 |
| Pretax return on assets | 2.4233% | 389 |
| Return on Equity (ROE) | 25.9300% | 338 |
| Retained earnings to average equity (ytd only) | 24.0196% | 141 |
| Net charge-offs to loans | -0.0125% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.9932% | 4,116 |
| Assets per employee ($millions) | 8.7395% | 989 |
| Cash dividends to net income (ytd only)* | 7.3801% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,467 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.4800% | 3,527 |
| Net loans and leases to deposits | 55.8535% | 3,653 |
| Net loans and leases to core deposits | 56.3715% | 3,800 |
| Total domestic deposits to total assets | 90.3800% | 818 |
| Equity capital to assets | 7.8884% | 3,285 |
| Core capital (leverage) ratio | 8.8281% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5868% | 2,064 |
| Memoranda: | ||
| Average total assets | $1,923,439,667 | 580 |
| Average earning assets | $1,797,347,000 | 567 |
| Average equity | $138,145,333 | 711 |
| Average total loans | $929,720,667 | 762 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 2,563 |
| Cost of funding earning assets | 0.0991% | 4,534 |
| Net interest margin | 4.2944% | 811 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.0250% | 3,574 |
| Loan and lease loss provision to assets | -0.1700% | 4,615 |
| Net operating income to assets | 1.8870% | 586 |
| Return on assets (ROA) | 1.9183% | 548 |
| Pretax return on assets | 2.4787% | 368 |
| Return on Equity (ROE) | 28.0200% | 289 |
| Retained earnings to average equity (ytd only) | 24.0695% | 207 |
| Net charge-offs to loans | -0.0130% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0165% | 4,158 |
| Assets per employee ($millions) | 9.4200% | 818 |
| Cash dividends to net income (ytd only)* | 14.1043% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,461 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.2100% | 3,691 |
| Net loans and leases to deposits | 51.7806% | 3,805 |
| Net loans and leases to core deposits | 52.2584% | 3,904 |
| Total domestic deposits to total assets | 91.1800% | 743 |
| Equity capital to assets | 7.2755% | 3,689 |
| Core capital (leverage) ratio | 8.1324% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1538% | 2,331 |
| Memoranda: | ||
| Average total assets | $1,954,404,000 | 586 |
| Average earning assets | $1,827,943,500 | 570 |
| Average equity | $133,796,000 | 736 |
| Average total loans | $920,021,000 | 776 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3322% | 3,508 |
| Cost of funding earning assets | 0.0606% | 4,543 |
| Net interest margin | 3.2716% | 2,643 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.8489% | 3,934 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.2167% | 1,711 |
| Return on assets (ROA) | 1.1976% | 1,717 |
| Pretax return on assets | 1.5561% | 1,279 |
| Return on Equity (ROE) | 18.8500% | 593 |
| Retained earnings to average equity (ytd only) | 16.6677% | 194 |
| Net charge-offs to loans | -0.0090% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.8840% | 3,699 |
| Assets per employee ($millions) | 9.9409% | 690 |
| Cash dividends to net income (ytd only)* | 11.5711% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,172 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 45.9800% | 3,803 |
| Net loans and leases to deposits | 49.8790% | 3,902 |
| Net loans and leases to core deposits | 50.3080% | 3,969 |
| Total domestic deposits to total assets | 92.1800% | 593 |
| Equity capital to assets | 6.4223% | 3,930 |
| Core capital (leverage) ratio | 7.5575% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3953% | 2,612 |
| Memoranda: | ||
| Average total assets | $1,966,455,200 | 562 |
| Average earning assets | $1,846,501,200 | 545 |
| Average equity | $124,942,600 | 789 |
| Average total loans | $889,618,000 | 754 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0271% | 3,840 |
| Cost of funding earning assets | 0.0560% | 4,551 |
| Net interest margin | 2.9711% | 3,294 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.8277% | 3,926 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9712% | 2,588 |
| Return on assets (ROA) | 0.9446% | 2,651 |
| Pretax return on assets | 1.2159% | 2,309 |
| Return on Equity (ROE) | 14.9100% | 1,198 |
| Retained earnings to average equity (ytd only) | 11.9913% | 791 |
| Net charge-offs to loans | -0.0089% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9876% | 3,249 |
| Assets per employee ($millions) | 9.3894% | 782 |
| Cash dividends to net income (ytd only)* | 19.5635% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,489 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.8600% | 3,772 |
| Net loans and leases to deposits | 49.1498% | 3,906 |
| Net loans and leases to core deposits | 49.6193% | 3,975 |
| Total domestic deposits to total assets | 93.3100% | 497 |
| Equity capital to assets | 5.4002% | 4,161 |
| Core capital (leverage) ratio | 7.1229% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8248% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,965,995,750 | 559 |
| Average earning assets | $1,848,682,000 | 543 |
| Average equity | $124,575,750 | 800 |
| Average total loans | $883,396,750 | 760 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6816% | 4,167 |
| Cost of funding earning assets | 0.0525% | 4,581 |
| Net interest margin | 2.6292% | 3,855 |
| Noninterest income to average assets | 0.2707% | 3,549 |
| Noninterest expense to average assets | 1.8124% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7329% | 3,205 |
| Return on assets (ROA) | 0.7075% | 3,238 |
| Pretax return on assets | 0.9023% | 3,058 |
| Return on Equity (ROE) | 10.6425% | 2,119 |
| Retained earnings to average equity (ytd only) | 8.3700% | 1,484 |
| Net charge-offs to loans | -0.0108% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8154% | 2,537 |
| Assets per employee ($millions) | 9.5272% | 746 |
| Cash dividends to net income (ytd only)* | 21.3536% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.9805% | 3,761 |
| Net loans and leases to deposits | 48.3425% | 3,902 |
| Net loans and leases to core deposits | 48.8119% | 3,989 |
| Total domestic deposits to total assets | 93.0453% | 506 |
| Equity capital to assets | 5.9489% | 4,217 |
| Core capital (leverage) ratio | 7.0684% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9771% | 2,823 |
| Memoranda: | ||
| Average total assets | $1,967,199,333 | 553 |
| Average earning assets | $1,852,686,333 | 546 |
| Average equity | $130,777,000 | 767 |
| Average total loans | $874,217,000 | 751 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4475% | 4,331 |
| Cost of funding earning assets | 0.0528% | 4,580 |
| Net interest margin | 2.3948% | 4,080 |
| Noninterest income to average assets | 0.2572% | 3,600 |
| Noninterest expense to average assets | 1.8175% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5452% | 3,580 |
| Return on assets (ROA) | 0.5166% | 3,633 |
| Pretax return on assets | 0.6600% | 3,496 |
| Return on Equity (ROE) | 7.3755% | 2,916 |
| Retained earnings to average equity (ytd only) | 3.0349% | 3,249 |
| Net charge-offs to loans | -0.0112% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1250% | 1,959 |
| Assets per employee ($millions) | 9.4460% | 782 |
| Cash dividends to net income (ytd only)* | 58.8515% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.5219% | 3,777 |
| Net loans and leases to deposits | 47.0639% | 3,926 |
| Net loans and leases to core deposits | 47.5409% | 4,004 |
| Total domestic deposits to total assets | 92.4741% | 409 |
| Equity capital to assets | 6.7517% | 4,319 |
| Core capital (leverage) ratio | 6.9447% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8841% | 2,645 |
| Memoranda: | ||
| Average total assets | $1,955,210,000 | 559 |
| Average earning assets | $1,842,347,000 | 550 |
| Average equity | $136,939,000 | 751 |
| Average total loans | $858,112,500 | 755 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0546% | 3,772 |
| Cost of funding earning assets | 0.0592% | 4,645 |
| Net interest margin | 2.9954% | 3,200 |
| Noninterest income to average assets | 0.2852% | 3,684 |
| Noninterest expense to average assets | 1.8416% | 4,065 |
| Loan and lease loss provision to assets | -0.0362% | 4,300 |
| Net operating income to assets | 0.9662% | 2,815 |
| Return on assets (ROA) | 0.9687% | 2,861 |
| Pretax return on assets | 1.2867% | 2,403 |
| Return on Equity (ROE) | 12.4891% | 1,653 |
| Retained earnings to average equity (ytd only) | 10.7339% | 754 |
| Net charge-offs to loans | -0.0081% | 3,677 |
| Credit loss provision to net charge-offs | 835.5263% | 589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4495% | 3,232 |
| Assets per employee ($millions) | 9.5832% | 762 |
| Cash dividends to net income (ytd only)* | 14.0535% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.1572% | 3,899 |
| Net loans and leases to deposits | 46.9192% | 4,051 |
| Net loans and leases to core deposits | 47.4062% | 4,124 |
| Total domestic deposits to total assets | 91.9820% | 183 |
| Equity capital to assets | 7.2535% | 4,664 |
| Core capital (leverage) ratio | 6.9539% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6365% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,752,603,800 | 597 |
| Average earning assets | $1,640,436,600 | 587 |
| Average equity | $135,943,000 | 768 |
| Average total loans | $939,663,400 | 698 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2311% | 3,546 |
| Cost of funding earning assets | 0.0622% | 4,728 |
| Net interest margin | 3.1689% | 2,834 |
| Noninterest income to average assets | 0.2894% | 3,722 |
| Noninterest expense to average assets | 1.8559% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0487% | 2,737 |
| Return on assets (ROA) | 1.0445% | 2,816 |
| Pretax return on assets | 1.3884% | 2,384 |
| Return on Equity (ROE) | 13.2184% | 1,636 |
| Retained earnings to average equity (ytd only) | 10.8497% | 1,093 |
| Net charge-offs to loans | -0.0075% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9428% | 3,422 |
| Assets per employee ($millions) | 9.4730% | 780 |
| Cash dividends to net income (ytd only)* | 17.9196% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.2236% | 3,773 |
| Net loans and leases to deposits | 50.4461% | 3,989 |
| Net loans and leases to core deposits | 50.9492% | 4,082 |
| Total domestic deposits to total assets | 91.6296% | 208 |
| Equity capital to assets | 7.5200% | 4,699 |
| Core capital (leverage) ratio | 7.1715% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7296% | 2,458 |
| Memoranda: | ||
| Average total assets | $1,699,616,250 | 620 |
| Average earning assets | $1,587,678,750 | 606 |
| Average equity | $134,304,000 | 789 |
| Average total loans | $959,933,000 | 700 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2336% | 3,602 |
| Cost of funding earning assets | 0.0644% | 4,769 |
| Net interest margin | 3.1692% | 2,852 |
| Noninterest income to average assets | 0.2969% | 3,653 |
| Noninterest expense to average assets | 1.8768% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0513% | 2,714 |
| Return on assets (ROA) | 1.0471% | 2,808 |
| Pretax return on assets | 1.3734% | 2,409 |
| Return on Equity (ROE) | 13.0143% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.2155% | 1,074 |
| Net charge-offs to loans | -0.0061% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4774% | 3,347 |
| Assets per employee ($millions) | 9.3851% | 744 |
| Cash dividends to net income (ytd only)* | 13.8219% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,902 |
| Loan loss allowance to noncurrent loans | 3,129.0055% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,141 |
| Noncurrent loans to loans | 0.0386% | 4,005 |
| Net loans and leases to total assets | 52.5698% | 3,290 |
| Net loans and leases to deposits | 57.4468% | 3,602 |
| Net loans and leases to core deposits | 58.0721% | 3,754 |
| Total domestic deposits to total assets | 91.5104% | 229 |
| Equity capital to assets | 7.7325% | 4,661 |
| Core capital (leverage) ratio | 7.4450% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7245% | 2,466 |
| Memoranda: | ||
| Average total assets | $1,647,255,000 | 627 |
| Average earning assets | $1,537,854,667 | 618 |
| Average equity | $132,530,667 | 795 |
| Average total loans | $990,049,333 | 678 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 3,263 |
| Cost of funding earning assets | 0.0634% | 4,813 |
| Net interest margin | 3.3142% | 2,349 |
| Noninterest income to average assets | 0.2906% | 3,671 |
| Noninterest expense to average assets | 1.8863% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1437% | 2,349 |
| Return on assets (ROA) | 1.1348% | 2,448 |
| Pretax return on assets | 1.4883% | 2,030 |
| Return on Equity (ROE) | 13.8061% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.1547% | 1,613 |
| Net charge-offs to loans | -0.0059% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5399% | 3,597 |
| Assets per employee ($millions) | 9.1534% | 788 |
| Cash dividends to net income (ytd only)* | 26.4477% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,401 |
| Loan loss allowance to noncurrent loans | 3,124.8619% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,215 |
| Noncurrent loans to loans | 0.0354% | 4,105 |
| Net loans and leases to total assets | 60.7123% | 2,442 |
| Net loans and leases to deposits | 66.6060% | 2,851 |
| Net loans and leases to core deposits | 67.3555% | 3,125 |
| Total domestic deposits to total assets | 91.1515% | 348 |
| Equity capital to assets | 7.9084% | 4,540 |
| Core capital (leverage) ratio | 7.7564% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3995% | 2,528 |
| Memoranda: | ||
| Average total assets | $1,588,681,000 | 643 |
| Average earning assets | $1,483,791,000 | 634 |
| Average equity | $130,580,000 | 796 |
| Average total loans | $1,015,639,000 | 668 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 3,571 |
| Cost of funding earning assets | 0.0920% | 4,878 |
| Net interest margin | 3.6096% | 2,112 |
| Noninterest income to average assets | 0.3269% | 3,502 |
| Noninterest expense to average assets | 2.1506% | 3,820 |
| Loan and lease loss provision to assets | 0.1609% | 2,362 |
| Net operating income to assets | 1.0590% | 2,070 |
| Return on assets (ROA) | 1.0619% | 2,197 |
| Pretax return on assets | 1.3788% | 1,725 |
| Return on Equity (ROE) | 11.9294% | 1,340 |
| Retained earnings to average equity (ytd only) | 10.0105% | 584 |
| Net charge-offs to loans | 0.0015% | 3,363 |
| Credit loss provision to net charge-offs | 15,464.2857% | 67 |
| Earnings coverage of net charge-offs (x) | 1,476.6429% | 75 |
| Efficiency ratio | 58.1422% | 3,707 |
| Assets per employee ($millions) | 8.2592% | 947 |
| Cash dividends to net income (ytd only)* | 16.0859% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.9801% | 2,094 |
| Net loans and leases to deposits | 72.8950% | 2,600 |
| Net loans and leases to core deposits | 73.7649% | 2,932 |
| Total domestic deposits to total assets | 90.5139% | 373 |
| Equity capital to assets | 8.5622% | 4,401 |
| Core capital (leverage) ratio | 7.9572% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1365% | 2,575 |
| Memoranda: | ||
| Average total assets | $1,345,884,800 | 681 |
| Average earning assets | $1,252,706,800 | 674 |
| Average equity | $119,804,800 | 823 |
| Average total loans | $906,992,400 | 706 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 3,721 |
| Cost of funding earning assets | 0.1002% | 4,918 |
| Net interest margin | 3.6318% | 2,155 |
| Noninterest income to average assets | 0.3271% | 3,530 |
| Noninterest expense to average assets | 2.1611% | 3,779 |
| Loan and lease loss provision to assets | 0.2558% | 1,588 |
| Net operating income to assets | 0.9616% | 2,483 |
| Return on assets (ROA) | 0.9665% | 2,597 |
| Pretax return on assets | 1.2909% | 2,091 |
| Return on Equity (ROE) | 10.7388% | 1,767 |
| Retained earnings to average equity (ytd only) | 8.1279% | 1,263 |
| Net charge-offs to loans | 0.0021% | 3,121 |
| Credit loss provision to net charge-offs | 17,878.5714% | 78 |
| Earnings coverage of net charge-offs (x) | 1,076.6429% | 110 |
| Efficiency ratio | 58.1826% | 3,640 |
| Assets per employee ($millions) | 7.7486% | 1,101 |
| Cash dividends to net income (ytd only)* | 24.3126% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 2,976 |
| Loan loss allowance to noncurrent loans | 1,536.9881% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,132 |
| Noncurrent loans to loans | 0.0742% | 4,078 |
| Net loans and leases to total assets | 69.6374% | 2,012 |
| Net loans and leases to deposits | 76.9399% | 2,661 |
| Net loans and leases to core deposits | 77.7308% | 3,033 |
| Total domestic deposits to total assets | 90.5088% | 282 |
| Equity capital to assets | 8.5332% | 4,442 |
| Core capital (leverage) ratio | 7.9524% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8894% | 2,655 |
| Memoranda: | ||
| Average total assets | $1,304,497,250 | 686 |
| Average earning assets | $1,212,106,000 | 679 |
| Average equity | $117,403,000 | 835 |
| Average total loans | $881,604,750 | 721 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 3,850 |
| Cost of funding earning assets | 0.1094% | 4,956 |
| Net interest margin | 3.6937% | 2,184 |
| Noninterest income to average assets | 0.3235% | 3,526 |
| Noninterest expense to average assets | 2.2047% | 3,770 |
| Loan and lease loss provision to assets | 0.3677% | 1,139 |
| Net operating income to assets | 0.8789% | 2,775 |
| Return on assets (ROA) | 0.8873% | 2,859 |
| Pretax return on assets | 1.1863% | 2,405 |
| Return on Equity (ROE) | 9.6668% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,408 |
| Net charge-offs to loans | 0.0031% | 2,884 |
| Credit loss provision to net charge-offs | 17,769.2308% | 69 |
| Earnings coverage of net charge-offs (x) | 745.7692% | 129 |
| Efficiency ratio | 58.6179% | 3,606 |
| Assets per employee ($millions) | 8.0483% | 952 |
| Cash dividends to net income (ytd only)* | 20.6136% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,786 |
| Loan loss allowance to noncurrent loans | 1,234.4121% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 4,215 |
| Noncurrent loans to loans | 0.0930% | 4,093 |
| Net loans and leases to total assets | 67.2316% | 2,470 |
| Net loans and leases to deposits | 75.7471% | 2,904 |
| Net loans and leases to core deposits | 76.8021% | 3,220 |
| Total domestic deposits to total assets | 88.7579% | 838 |
| Equity capital to assets | 8.1625% | 4,647 |
| Core capital (leverage) ratio | 8.0553% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5283% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,256,336,333 | 694 |
| Average earning assets | $1,164,778,667 | 691 |
| Average equity | $115,322,333 | 842 |
| Average total loans | $835,250,667 | 749 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,782 |
| Cost of funding earning assets | 0.1246% | 5,008 |
| Net interest margin | 3.8770% | 1,743 |
| Noninterest income to average assets | 0.3927% | 3,156 |
| Noninterest expense to average assets | 2.5018% | 3,263 |
| Loan and lease loss provision to assets | 0.1562% | 1,837 |
| Net operating income to assets | 0.9787% | 2,250 |
| Return on assets (ROA) | 0.9930% | 2,297 |
| Pretax return on assets | 1.3287% | 1,788 |
| Return on Equity (ROE) | 10.1059% | 1,712 |
| Retained earnings to average equity (ytd only) | 6.0459% | 1,851 |
| Net charge-offs to loans | 0.0053% | 2,385 |
| Credit loss provision to net charge-offs | 4,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 422.5000% | 160 |
| Efficiency ratio | 62.8291% | 3,394 |
| Assets per employee ($millions) | 6.2852% | 1,471 |
| Cash dividends to net income (ytd only)* | 40.1748% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,326 |
| Loan loss allowance to noncurrent loans | 998.5417% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 4,189 |
| Noncurrent loans to loans | 0.1264% | 4,014 |
| Net loans and leases to total assets | 64.8284% | 2,965 |
| Net loans and leases to deposits | 72.9927% | 3,358 |
| Net loans and leases to core deposits | 74.2651% | 3,618 |
| Total domestic deposits to total assets | 88.8149% | 751 |
| Equity capital to assets | 9.8601% | 3,916 |
| Core capital (leverage) ratio | 9.4867% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1172% | 3,062 |
| Memoranda: | ||
| Average total assets | $1,152,107,500 | 729 |
| Average earning assets | $1,062,688,500 | 722 |
| Average equity | $113,201,500 | 849 |
| Average total loans | $754,752,500 | 787 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 3,674 |
| Cost of funding earning assets | 0.1553% | 5,041 |
| Net interest margin | 4.0956% | 1,554 |
| Noninterest income to average assets | 0.4032% | 3,272 |
| Noninterest expense to average assets | 2.5555% | 3,302 |
| Loan and lease loss provision to assets | 0.0498% | 3,025 |
| Net operating income to assets | 1.1787% | 2,138 |
| Return on assets (ROA) | 1.1959% | 2,167 |
| Pretax return on assets | 1.6010% | 1,483 |
| Return on Equity (ROE) | 12.3733% | 1,376 |
| Retained earnings to average equity (ytd only) | 10.2784% | 447 |
| Net charge-offs to loans | 0.0116% | 3,273 |
| Credit loss provision to net charge-offs | 648.8095% | 483 |
| Earnings coverage of net charge-offs (x) | 212.0476% | 380 |
| Efficiency ratio | 60.8414% | 3,560 |
| Assets per employee ($millions) | 6.3062% | 1,412 |
| Cash dividends to net income (ytd only)* | 16.9305% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,328 |
| Loan loss allowance to noncurrent loans | 829.1931% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,141 |
| Noncurrent loans to loans | 0.1470% | 3,939 |
| Net loans and leases to total assets | 64.5659% | 3,128 |
| Net loans and leases to deposits | 72.6461% | 3,463 |
| Net loans and leases to core deposits | 73.9615% | 3,724 |
| Total domestic deposits to total assets | 88.8773% | 716 |
| Equity capital to assets | 9.7908% | 4,112 |
| Core capital (leverage) ratio | 9.4454% | 4,114 |
| Tier 1 risk-based capital ratio | 11.3232% | 4,721 |
| Total risk-based capital ratio | 12.3445% | 4,716 |
| Memoranda: | ||
| Average total assets | $1,093,451,400 | 727 |
| Average earning assets | $1,009,521,600 | 721 |
| Average equity | $105,687,400 | 861 |
| Average total loans | $723,220,800 | 789 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 3,671 |
| Cost of funding earning assets | 0.1591% | 5,110 |
| Net interest margin | 4.1341% | 1,539 |
| Noninterest income to average assets | 0.4023% | 3,301 |
| Noninterest expense to average assets | 2.5948% | 3,177 |
| Loan and lease loss provision to assets | 0.0414% | 3,075 |
| Net operating income to assets | 1.1773% | 2,270 |
| Return on assets (ROA) | 1.2012% | 2,268 |
| Pretax return on assets | 1.6117% | 1,594 |
| Return on Equity (ROE) | 12.4709% | 1,460 |
| Retained earnings to average equity (ytd only) | 9.6316% | 853 |
| Net charge-offs to loans | 0.0028% | 3,327 |
| Credit loss provision to net charge-offs | 2,233.3333% | 187 |
| Earnings coverage of net charge-offs (x) | 876.2450% | 111 |
| Efficiency ratio | 61.2910% | 3,438 |
| Assets per employee ($millions) | 6.0498% | 1,573 |
| Cash dividends to net income (ytd only)* | 22.7670% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,330 |
| Loan loss allowance to noncurrent loans | 750.4167% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,165 |
| Noncurrent loans to loans | 0.1641% | 3,957 |
| Net loans and leases to total assets | 65.6139% | 3,098 |
| Net loans and leases to deposits | 73.8598% | 3,488 |
| Net loans and leases to core deposits | 75.1754% | 3,751 |
| Total domestic deposits to total assets | 88.8357% | 678 |
| Equity capital to assets | 9.9093% | 4,106 |
| Core capital (leverage) ratio | 9.5361% | 4,131 |
| Tier 1 risk-based capital ratio | 11.0967% | 4,864 |
| Total risk-based capital ratio | 12.1158% | 4,864 |
| Memoranda: | ||
| Average total assets | $1,079,880,000 | 738 |
| Average earning assets | $996,637,000 | 730 |
| Average equity | $104,016,000 | 873 |
| Average total loans | $716,477,750 | 793 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 3,761 |
| Cost of funding earning assets | 0.1618% | 5,142 |
| Net interest margin | 4.0987% | 1,609 |
| Noninterest income to average assets | 0.3945% | 3,303 |
| Noninterest expense to average assets | 2.6265% | 3,125 |
| Loan and lease loss provision to assets | 0.0177% | 3,439 |
| Net operating income to assets | 1.1545% | 2,311 |
| Return on assets (ROA) | 1.1840% | 2,273 |
| Pretax return on assets | 1.5885% | 1,581 |
| Return on Equity (ROE) | 12.4141% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.2523% | 688 |
| Net charge-offs to loans | 0.0028% | 3,073 |
| Credit loss provision to net charge-offs | 950.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 841.6000% | 88 |
| Efficiency ratio | 62.3684% | 3,372 |
| Assets per employee ($millions) | 5.8093% | 1,689 |
| Cash dividends to net income (ytd only)* | 17.4146% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,399 |
| Loan loss allowance to noncurrent loans | 967.9912% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 4,344 |
| Noncurrent loans to loans | 0.1263% | 4,109 |
| Net loans and leases to total assets | 66.2676% | 3,074 |
| Net loans and leases to deposits | 74.6207% | 3,463 |
| Net loans and leases to core deposits | 75.8469% | 3,745 |
| Total domestic deposits to total assets | 88.8059% | 741 |
| Equity capital to assets | 9.9479% | 4,019 |
| Core capital (leverage) ratio | 9.6342% | 3,998 |
| Tier 1 risk-based capital ratio | 10.9806% | 4,918 |
| Total risk-based capital ratio | 11.9916% | 4,936 |
| Memoranda: | ||
| Average total assets | $1,072,821,000 | 740 |
| Average earning assets | $994,893,000 | 728 |
| Average equity | $102,319,000 | 877 |
| Average total loans | $711,486,670 | 796 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,699 |
| Cost of funding earning assets | 0.1692% | 5,181 |
| Net interest margin | 4.0846% | 1,593 |
| Noninterest income to average assets | 0.3816% | 3,314 |
| Noninterest expense to average assets | 2.6092% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1588% | 2,223 |
| Return on assets (ROA) | 1.2032% | 2,091 |
| Pretax return on assets | 1.6137% | 1,433 |
| Return on Equity (ROE) | 12.9118% | 1,247 |
| Retained earnings to average equity (ytd only) | 8.5015% | 1,489 |
| Net charge-offs to loans | 0.0045% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 524.0000% | 137 |
| Efficiency ratio | 62.3863% | 3,474 |
| Assets per employee ($millions) | 5.8183% | 1,690 |
| Cash dividends to net income (ytd only)* | 34.1569% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,435 |
| Loan loss allowance to noncurrent loans | 897.3113% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,358 |
| Noncurrent loans to loans | 0.1369% | 4,123 |
| Net loans and leases to total assets | 65.8931% | 3,070 |
| Net loans and leases to deposits | 74.3235% | 3,427 |
| Net loans and leases to core deposits | 75.6813% | 3,678 |
| Total domestic deposits to total assets | 88.6571% | 1,014 |
| Equity capital to assets | 9.6271% | 4,153 |
| Core capital (leverage) ratio | 9.0870% | 4,585 |
| Tier 1 risk-based capital ratio | 10.8207% | 5,059 |
| Total risk-based capital ratio | 11.8349% | 5,052 |
| Memoranda: | ||
| Average total assets | $1,076,501,500 | 740 |
| Average earning assets | $997,589,000 | 730 |
| Average equity | $100,311,500 | 882 |
| Average total loans | $708,675,000 | 801 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,803 |
| Cost of funding earning assets | 0.1617% | 5,145 |
| Net interest margin | 3.9173% | 2,274 |
| Noninterest income to average assets | 0.4023% | 3,423 |
| Noninterest expense to average assets | 2.4923% | 3,634 |
| Loan and lease loss provision to assets | 0.0521% | 3,139 |
| Net operating income to assets | 1.1305% | 2,470 |
| Return on assets (ROA) | 1.1298% | 2,475 |
| Pretax return on assets | 1.5099% | 1,750 |
| Return on Equity (ROE) | 12.8249% | 1,406 |
| Retained earnings to average equity (ytd only) | 10.5692% | 513 |
| Net charge-offs to loans | 0.0054% | 3,514 |
| Credit loss provision to net charge-offs | 1,541.6667% | 271 |
| Earnings coverage of net charge-offs (x) | 462.4722% | 225 |
| Efficiency ratio | 61.1968% | 3,661 |
| Assets per employee ($millions) | 6.1464% | 1,419 |
| Cash dividends to net income (ytd only)* | 17.5889% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,456 |
| Loan loss allowance to noncurrent loans | 944.0217% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,394 |
| Noncurrent loans to loans | 0.1294% | 4,156 |
| Net loans and leases to total assets | 64.1845% | 3,339 |
| Net loans and leases to deposits | 71.1630% | 3,737 |
| Net loans and leases to core deposits | 72.5223% | 3,954 |
| Total domestic deposits to total assets | 90.1937% | 415 |
| Equity capital to assets | 9.0194% | 4,563 |
| Core capital (leverage) ratio | 8.7185% | 4,868 |
| Tier 1 risk-based capital ratio | 10.7174% | 5,105 |
| Total risk-based capital ratio | 11.7400% | 5,080 |
| Memoranda: | ||
| Average total assets | $1,065,302,000 | 720 |
| Average earning assets | $993,395,400 | 712 |
| Average equity | $93,848,400 | 901 |
| Average total loans | $666,911,000 | 824 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 3,903 |
| Cost of funding earning assets | 0.1458% | 5,233 |
| Net interest margin | 3.8612% | 2,428 |
| Noninterest income to average assets | 0.4085% | 3,432 |
| Noninterest expense to average assets | 2.5081% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1256% | 2,551 |
| Return on assets (ROA) | 1.1221% | 2,577 |
| Pretax return on assets | 1.5000% | 1,894 |
| Return on Equity (ROE) | 12.8162% | 1,499 |
| Retained earnings to average equity (ytd only) | 9.7694% | 988 |
| Net charge-offs to loans | 0.0063% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 385.1505% | 246 |
| Efficiency ratio | 62.2366% | 3,470 |
| Assets per employee ($millions) | 6.1471% | 1,385 |
| Cash dividends to net income (ytd only)* | 23.7732% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,458 |
| Loan loss allowance to noncurrent loans | 884.2391% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,544 |
| Noncurrent loans to loans | 0.1389% | 4,259 |
| Net loans and leases to total assets | 60.7947% | 3,765 |
| Net loans and leases to deposits | 67.0933% | 4,120 |
| Net loans and leases to core deposits | 68.3585% | 4,280 |
| Total domestic deposits to total assets | 90.6122% | 311 |
| Equity capital to assets | 8.8567% | 4,672 |
| Core capital (leverage) ratio | 8.6263% | 5,012 |
| Tier 1 risk-based capital ratio | 10.8891% | 5,085 |
| Total risk-based capital ratio | 11.8981% | 5,103 |
| Memoranda: | ||
| Average total assets | $1,058,111,500 | 724 |
| Average earning assets | $987,609,500 | 715 |
| Average equity | $92,641,000 | 905 |
| Average total loans | $655,912,500 | 836 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 4,013 |
| Cost of funding earning assets | 0.1325% | 5,311 |
| Net interest margin | 3.7886% | 2,599 |
| Noninterest income to average assets | 0.4126% | 3,407 |
| Noninterest expense to average assets | 2.5213% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0708% | 2,708 |
| Return on assets (ROA) | 1.0693% | 2,717 |
| Pretax return on assets | 1.4217% | 2,079 |
| Return on Equity (ROE) | 12.2620% | 1,635 |
| Retained earnings to average equity (ytd only) | 9.9670% | 937 |
| Net charge-offs to loans | 0.0012% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,872.5000% | 34 |
| Efficiency ratio | 63.6377% | 3,368 |
| Assets per employee ($millions) | 6.1113% | 1,394 |
| Cash dividends to net income (ytd only)* | 18.7167% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,437 |
| Loan loss allowance to noncurrent loans | 623.5294% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,386 |
| Noncurrent loans to loans | 0.2004% | 4,007 |
| Net loans and leases to total assets | 60.3226% | 3,775 |
| Net loans and leases to deposits | 66.4476% | 4,145 |
| Net loans and leases to core deposits | 67.7035% | 4,272 |
| Total domestic deposits to total assets | 90.7823% | 309 |
| Equity capital to assets | 8.7660% | 4,748 |
| Core capital (leverage) ratio | 8.5612% | 5,065 |
| Tier 1 risk-based capital ratio | 10.5407% | 5,256 |
| Total risk-based capital ratio | 11.5427% | 5,262 |
| Memoranda: | ||
| Average total assets | $1,052,234,000 | 728 |
| Average earning assets | $981,036,330 | 721 |
| Average equity | $91,763,000 | 912 |
| Average total loans | $653,840,000 | 842 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,919 |
| Cost of funding earning assets | 0.1194% | 5,390 |
| Net interest margin | 3.7819% | 2,496 |
| Noninterest income to average assets | 0.4492% | 3,116 |
| Noninterest expense to average assets | 2.5243% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0873% | 2,485 |
| Return on assets (ROA) | 1.1088% | 2,402 |
| Pretax return on assets | 1.4741% | 1,748 |
| Return on Equity (ROE) | 12.7488% | 1,334 |
| Retained earnings to average equity (ytd only) | 8.1085% | 1,798 |
| Net charge-offs to loans | 0.0006% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3,775.0000% | 15 |
| Efficiency ratio | 63.2854% | 3,592 |
| Assets per employee ($millions) | 6.2652% | 1,325 |
| Cash dividends to net income (ytd only)* | 36.3982% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,450 |
| Loan loss allowance to noncurrent loans | 623.2824% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,461 |
| Noncurrent loans to loans | 0.2025% | 4,060 |
| Net loans and leases to total assets | 60.6998% | 3,681 |
| Net loans and leases to deposits | 66.8659% | 4,029 |
| Net loans and leases to core deposits | 68.2052% | 4,205 |
| Total domestic deposits to total assets | 90.7785% | 390 |
| Equity capital to assets | 8.6639% | 4,849 |
| Core capital (leverage) ratio | 8.3169% | 5,249 |
| Tier 1 risk-based capital ratio | 10.3245% | 5,407 |
| Total risk-based capital ratio | 11.3371% | 5,411 |
| Memoranda: | ||
| Average total assets | $1,043,613,000 | 738 |
| Average earning assets | $971,896,500 | 731 |
| Average equity | $90,769,500 | 932 |
| Average total loans | $654,111,000 | 842 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,092 |
| Cost of funding earning assets | 0.1135% | 5,438 |
| Net interest margin | 3.6730% | 2,901 |
| Noninterest income to average assets | 0.5090% | 2,944 |
| Noninterest expense to average assets | 2.3817% | 4,127 |
| Loan and lease loss provision to assets | 0.0347% | 3,572 |
| Net operating income to assets | 0.8901% | 2,773 |
| Return on assets (ROA) | 0.9152% | 2,653 |
| Pretax return on assets | 1.5488% | 1,454 |
| Return on Equity (ROE) | 10.6523% | 1,614 |
| Retained earnings to average equity (ytd only) | 8.1306% | 720 |
| Net charge-offs to loans | 0.0025% | 4,017 |
| Credit loss provision to net charge-offs | 2,187.5000% | 178 |
| Earnings coverage of net charge-offs (x) | 973.5000% | 85 |
| Efficiency ratio | 60.3379% | 4,209 |
| Assets per employee ($millions) | 6.1956% | 1,387 |
| Cash dividends to net income (ytd only)* | 23.6728% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,566 |
| Loan loss allowance to noncurrent loans | 623.3588% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 4,385 |
| Noncurrent loans to loans | 0.1981% | 4,121 |
| Net loans and leases to total assets | 63.1111% | 3,474 |
| Net loans and leases to deposits | 69.5297% | 3,914 |
| Net loans and leases to core deposits | 71.0506% | 4,107 |
| Total domestic deposits to total assets | 90.7685% | 311 |
| Equity capital to assets | 8.7319% | 4,946 |
| Core capital (leverage) ratio | 8.3746% | 5,238 |
| Tier 1 risk-based capital ratio | 10.2529% | 5,459 |
| Total risk-based capital ratio | 11.2692% | 5,471 |
| Memoranda: | ||
| Average total assets | $1,008,568,600 | 731 |
| Average earning assets | $938,284,400 | 722 |
| Average equity | $86,648,000 | 942 |
| Average total loans | $627,551,400 | 836 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 4,217 |
| Cost of funding earning assets | 0.1106% | 5,518 |
| Net interest margin | 3.6284% | 3,045 |
| Noninterest income to average assets | 0.5419% | 2,766 |
| Noninterest expense to average assets | 2.3891% | 4,045 |
| Loan and lease loss provision to assets | 0.0140% | 3,872 |
| Net operating income to assets | 0.9865% | 2,611 |
| Return on assets (ROA) | 1.0206% | 2,510 |
| Pretax return on assets | 1.5665% | 1,524 |
| Return on Equity (ROE) | 11.9295% | 1,353 |
| Retained earnings to average equity (ytd only) | 8.7846% | 917 |
| Net charge-offs to loans | 0.0043% | 3,577 |
| Credit loss provision to net charge-offs | 525.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 574.1140% | 180 |
| Efficiency ratio | 60.6610% | 4,101 |
| Assets per employee ($millions) | 6.0773% | 1,435 |
| Cash dividends to net income (ytd only)* | 26.3624% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,659 |
| Loan loss allowance to noncurrent loans | 604.3511% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 4,488 |
| Noncurrent loans to loans | 0.2064% | 4,252 |
| Net loans and leases to total assets | 62.9001% | 3,560 |
| Net loans and leases to deposits | 69.5023% | 4,000 |
| Net loans and leases to core deposits | 70.9655% | 4,188 |
| Total domestic deposits to total assets | 90.5007% | 327 |
| Equity capital to assets | 8.9607% | 4,944 |
| Core capital (leverage) ratio | 8.4484% | 5,278 |
| Tier 1 risk-based capital ratio | 10.5098% | 5,447 |
| Total risk-based capital ratio | 11.5368% | 5,462 |
| Memoranda: | ||
| Average total assets | $1,002,044,250 | 739 |
| Average earning assets | $932,093,500 | 731 |
| Average equity | $85,723,500 | 953 |
| Average total loans | $619,150,500 | 849 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,289 |
| Cost of funding earning assets | 0.1067% | 5,574 |
| Net interest margin | 3.5723% | 3,139 |
| Noninterest income to average assets | 0.5780% | 2,569 |
| Noninterest expense to average assets | 2.3920% | 4,069 |
| Loan and lease loss provision to assets | 0.0070% | 3,786 |
| Net operating income to assets | 0.9766% | 2,542 |
| Return on assets (ROA) | 1.0271% | 2,341 |
| Pretax return on assets | 1.5793% | 1,407 |
| Return on Equity (ROE) | 12.1971% | 1,238 |
| Retained earnings to average equity (ytd only) | 9.8050% | 620 |
| Net charge-offs to loans | 0.0042% | 3,340 |
| Credit loss provision to net charge-offs | 269.2308% | 1,034 |
| Earnings coverage of net charge-offs (x) | 582.4615% | 139 |
| Efficiency ratio | 60.9970% | 4,169 |
| Assets per employee ($millions) | 6.2221% | 1,306 |
| Cash dividends to net income (ytd only)* | 19.6120% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,608 |
| Loan loss allowance to noncurrent loans | 386.5157% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 3,854 |
| Noncurrent loans to loans | 0.3267% | 3,865 |
| Net loans and leases to total assets | 60.1790% | 3,830 |
| Net loans and leases to deposits | 66.3160% | 4,201 |
| Net loans and leases to core deposits | 67.6956% | 4,365 |
| Total domestic deposits to total assets | 90.7458% | 282 |
| Equity capital to assets | 8.6027% | 5,226 |
| Core capital (leverage) ratio | 8.2968% | 5,359 |
| Tier 1 risk-based capital ratio | 10.4059% | 5,505 |
| Total risk-based capital ratio | 11.4340% | 5,521 |
| Memoranda: | ||
| Average total assets | $1,003,833,000 | 739 |
| Average earning assets | $933,691,000 | 732 |
| Average equity | $84,528,330 | 965 |
| Average total loans | $613,924,670 | 862 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 4,349 |
| Cost of funding earning assets | 0.0989% | 5,651 |
| Net interest margin | 3.5260% | 3,177 |
| Noninterest income to average assets | 0.3624% | 3,941 |
| Noninterest expense to average assets | 2.4208% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8033% | 3,207 |
| Return on assets (ROA) | 0.9064% | 2,784 |
| Pretax return on assets | 1.3777% | 1,957 |
| Return on Equity (ROE) | 10.8853% | 1,610 |
| Retained earnings to average equity (ytd only) | 6.0072% | 2,330 |
| Net charge-offs to loans | 0.0033% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 608.0000% | 91 |
| Efficiency ratio | 66.1114% | 3,475 |
| Assets per employee ($millions) | 6.2248% | 1,352 |
| Cash dividends to net income (ytd only)* | 44.8138% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,630 |
| Loan loss allowance to noncurrent loans | 304.9085% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 3,679 |
| Noncurrent loans to loans | 0.4202% | 3,587 |
| Net loans and leases to total assets | 60.9328% | 3,677 |
| Net loans and leases to deposits | 67.0583% | 4,082 |
| Net loans and leases to core deposits | 68.6418% | 4,245 |
| Total domestic deposits to total assets | 90.8654% | 339 |
| Equity capital to assets | 8.4582% | 5,269 |
| Core capital (leverage) ratio | 8.1130% | 5,503 |
| Tier 1 risk-based capital ratio | 10.2315% | 5,638 |
| Total risk-based capital ratio | 11.2743% | 5,657 |
| Memoranda: | ||
| Average total assets | $995,536,500 | 752 |
| Average earning assets | $926,026,000 | 742 |
| Average equity | $82,900,500 | 982 |
| Average total loans | $609,919,000 | 861 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,911 |
| Cost of funding earning assets | 0.0888% | 5,749 |
| Net interest margin | 3.7126% | 2,637 |
| Noninterest income to average assets | 0.3721% | 4,084 |
| Noninterest expense to average assets | 2.4932% | 4,032 |
| Loan and lease loss provision to assets | 0.0518% | 3,353 |
| Net operating income to assets | 0.8455% | 3,084 |
| Return on assets (ROA) | 0.8493% | 3,183 |
| Pretax return on assets | 1.2476% | 2,481 |
| Return on Equity (ROE) | 9.8611% | 2,022 |
| Retained earnings to average equity (ytd only) | 7.4539% | 1,056 |
| Net charge-offs to loans | 0.0014% | 4,232 |
| Credit loss provision to net charge-offs | 6,050.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,512.5000% | 37 |
| Efficiency ratio | 65.3877% | 3,694 |
| Assets per employee ($millions) | 6.1432% | 1,375 |
| Cash dividends to net income (ytd only)* | 24.4114% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,617 |
| Loan loss allowance to noncurrent loans | 257.8861% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 3,575 |
| Noncurrent loans to loans | 0.4987% | 3,373 |
| Net loans and leases to total assets | 60.0303% | 3,849 |
| Net loans and leases to deposits | 65.7431% | 4,268 |
| Net loans and leases to core deposits | 67.2901% | 4,447 |
| Total domestic deposits to total assets | 91.3103% | 207 |
| Equity capital to assets | 8.1978% | 5,471 |
| Core capital (leverage) ratio | 8.1067% | 5,559 |
| Tier 1 risk-based capital ratio | 10.2014% | 5,685 |
| Total risk-based capital ratio | 11.2563% | 5,693 |
| Memoranda: | ||
| Average total assets | $935,256,600 | 770 |
| Average earning assets | $860,264,400 | 760 |
| Average equity | $80,548,800 | 981 |
| Average total loans | $577,916,000 | 860 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 3,815 |
| Cost of funding earning assets | 0.0878% | 5,819 |
| Net interest margin | 3.7486% | 2,523 |
| Noninterest income to average assets | 0.3747% | 4,099 |
| Noninterest expense to average assets | 2.5455% | 3,845 |
| Loan and lease loss provision to assets | 0.0602% | 3,051 |
| Net operating income to assets | 0.8093% | 3,324 |
| Return on assets (ROA) | 0.8121% | 3,450 |
| Pretax return on assets | 1.2138% | 2,783 |
| Return on Equity (ROE) | 9.3073% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.0824% | 2,138 |
| Net charge-offs to loans | 0.0009% | 3,918 |
| Credit loss provision to net charge-offs | 10,375.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 2,188.8143% | 28 |
| Efficiency ratio | 66.2609% | 3,549 |
| Assets per employee ($millions) | 5.9932% | 1,437 |
| Cash dividends to net income (ytd only)* | 34.6498% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,720 |
| Loan loss allowance to noncurrent loans | 297.1308% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 3,691 |
| Noncurrent loans to loans | 0.4354% | 3,726 |
| Net loans and leases to total assets | 62.5871% | 3,571 |
| Net loans and leases to deposits | 68.9170% | 4,075 |
| Net loans and leases to core deposits | 70.6707% | 4,272 |
| Total domestic deposits to total assets | 90.8152% | 236 |
| Equity capital to assets | 8.7157% | 5,385 |
| Core capital (leverage) ratio | 8.2084% | 5,569 |
| Tier 1 risk-based capital ratio | 10.0982% | 5,762 |
| Total risk-based capital ratio | 11.1623% | 5,781 |
| Memoranda: | ||
| Average total assets | $918,737,000 | 783 |
| Average earning assets | $843,238,500 | 779 |
| Average equity | $80,164,250 | 992 |
| Average total loans | $570,161,000 | 869 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 3,674 |
| Cost of funding earning assets | 0.0861% | 5,908 |
| Net interest margin | 3.7894% | 2,365 |
| Noninterest income to average assets | 0.3765% | 4,051 |
| Noninterest expense to average assets | 2.6076% | 3,699 |
| Loan and lease loss provision to assets | 0.0715% | 2,702 |
| Net operating income to assets | 0.7876% | 3,372 |
| Return on assets (ROA) | 0.7902% | 3,496 |
| Pretax return on assets | 1.1760% | 2,877 |
| Return on Equity (ROE) | 9.0532% | 2,476 |
| Retained earnings to average equity (ytd only) | 6.6116% | 1,808 |
| Net charge-offs to loans | 0.0007% | 3,677 |
| Credit loss provision to net charge-offs | 16,250.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,827.0000% | 14 |
| Efficiency ratio | 67.2473% | 3,494 |
| Assets per employee ($millions) | 5.8572% | 1,504 |
| Cash dividends to net income (ytd only)* | 26.9691% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,620 |
| Loan loss allowance to noncurrent loans | 289.3745% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 3,827 |
| Noncurrent loans to loans | 0.4597% | 3,722 |
| Net loans and leases to total assets | 61.5568% | 3,675 |
| Net loans and leases to deposits | 67.9351% | 4,189 |
| Net loans and leases to core deposits | 69.3982% | 4,374 |
| Total domestic deposits to total assets | 90.6111% | 291 |
| Equity capital to assets | 8.8237% | 5,382 |
| Core capital (leverage) ratio | 8.4833% | 5,378 |
| Tier 1 risk-based capital ratio | 10.6068% | 5,624 |
| Total risk-based capital ratio | 11.7082% | 5,608 |
| Memoranda: | ||
| Average total assets | $909,342,670 | 795 |
| Average earning assets | $833,799,000 | 791 |
| Average equity | $79,375,330 | 1,001 |
| Average total loans | $560,075,670 | 881 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,105 |
| Cost of funding earning assets | 0.0812% | 5,984 |
| Net interest margin | 3.6777% | 2,766 |
| Noninterest income to average assets | 0.3985% | 3,843 |
| Noninterest expense to average assets | 2.6588% | 3,545 |
| Loan and lease loss provision to assets | 0.0888% | 2,202 |
| Net operating income to assets | 0.7025% | 3,697 |
| Return on assets (ROA) | 0.7043% | 3,806 |
| Pretax return on assets | 1.0318% | 3,354 |
| Return on Equity (ROE) | 8.1141% | 2,848 |
| Retained earnings to average equity (ytd only) | 3.1598% | 3,936 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9060% | 3,151 |
| Assets per employee ($millions) | 5.5221% | 1,813 |
| Cash dividends to net income (ytd only)* | 61.0586% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 2,722 |
| Loan loss allowance to noncurrent loans | 112.8247% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 2,292 |
| Noncurrent loans to loans | 1.1852% | 2,043 |
| Net loans and leases to total assets | 61.5682% | 3,586 |
| Net loans and leases to deposits | 67.7795% | 4,084 |
| Net loans and leases to core deposits | 69.1836% | 4,300 |
| Total domestic deposits to total assets | 90.8361% | 317 |
| Equity capital to assets | 8.6782% | 5,440 |
| Core capital (leverage) ratio | 8.2793% | 5,589 |
| Tier 1 risk-based capital ratio | 10.4335% | 5,779 |
| Total risk-based capital ratio | 11.5301% | 5,765 |
| Memoranda: | ||
| Average total assets | $901,296,500 | 805 |
| Average earning assets | $827,912,500 | 803 |
| Average equity | $78,234,000 | 1,020 |
| Average total loans | $551,439,500 | 892 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 4,552 |
| Cost of funding earning assets | 0.0849% | 6,019 |
| Net interest margin | 3.5576% | 3,292 |
| Noninterest income to average assets | 0.4298% | 3,823 |
| Noninterest expense to average assets | 2.7325% | 3,474 |
| Loan and lease loss provision to assets | -0.0158% | 5,651 |
| Net operating income to assets | 0.6870% | 3,875 |
| Return on assets (ROA) | 0.7055% | 3,891 |
| Pretax return on assets | 0.9942% | 3,497 |
| Return on Equity (ROE) | 7.3627% | 3,326 |
| Retained earnings to average equity (ytd only) | 5.1278% | 2,331 |
| Net charge-offs to loans | 0.0111% | 4,087 |
| Credit loss provision to net charge-offs | -235.8491% | 5,302 |
| Earnings coverage of net charge-offs (x) | 142.2264% | 438 |
| Efficiency ratio | 74.1540% | 2,557 |
| Assets per employee ($millions) | 5.6771% | 1,632 |
| Cash dividends to net income (ytd only)* | 30.3546% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,564 |
| Loan loss allowance to noncurrent loans | 111.2691% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 2,256 |
| Noncurrent loans to loans | 1.2294% | 1,918 |
| Net loans and leases to total assets | 59.1313% | 3,952 |
| Net loans and leases to deposits | 65.0759% | 4,392 |
| Net loans and leases to core deposits | 66.4636% | 4,554 |
| Total domestic deposits to total assets | 90.8652% | 315 |
| Equity capital to assets | 8.6822% | 5,403 |
| Core capital (leverage) ratio | 9.0986% | 4,758 |
| Tier 1 risk-based capital ratio | 11.0772% | 5,479 |
| Total risk-based capital ratio | 12.2159% | 5,442 |
| Memoranda: | ||
| Average total assets | $791,476,800 | 873 |
| Average earning assets | $724,164,800 | 878 |
| Average equity | $75,841,600 | 1,006 |
| Average total loans | $476,913,200 | 978 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 4,334 |
| Cost of funding earning assets | 0.0881% | 6,093 |
| Net interest margin | 3.6401% | 2,997 |
| Noninterest income to average assets | 0.4442% | 3,758 |
| Noninterest expense to average assets | 2.6026% | 3,874 |
| Loan and lease loss provision to assets | -0.0218% | 5,850 |
| Net operating income to assets | 0.8101% | 3,386 |
| Return on assets (ROA) | 0.8321% | 3,355 |
| Pretax return on assets | 1.2153% | 2,752 |
| Return on Equity (ROE) | 8.4512% | 2,844 |
| Retained earnings to average equity (ytd only) | 5.4512% | 2,608 |
| Net charge-offs to loans | 0.0055% | 3,980 |
| Credit loss provision to net charge-offs | -657.8947% | 5,416 |
| Earnings coverage of net charge-offs (x) | 350.7217% | 212 |
| Efficiency ratio | 69.1499% | 3,346 |
| Assets per employee ($millions) | 5.3266% | 1,932 |
| Cash dividends to net income (ytd only)* | 35.4973% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,969 |
| Loan loss allowance to noncurrent loans | 172.2779% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 3,322 |
| Noncurrent loans to loans | 0.8992% | 2,722 |
| Net loans and leases to total assets | 59.1709% | 3,987 |
| Net loans and leases to deposits | 65.8539% | 4,395 |
| Net loans and leases to core deposits | 67.4843% | 4,583 |
| Total domestic deposits to total assets | 89.8517% | 639 |
| Equity capital to assets | 9.6456% | 4,582 |
| Core capital (leverage) ratio | 9.6678% | 4,084 |
| Tier 1 risk-based capital ratio | 12.8002% | 4,550 |
| Total risk-based capital ratio | 14.0507% | 4,458 |
| Memoranda: | ||
| Average total assets | $765,102,250 | 908 |
| Average earning assets | $697,737,000 | 922 |
| Average equity | $75,332,750 | 1,019 |
| Average total loans | $461,704,250 | 1,005 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,157 |
| Cost of funding earning assets | 0.0897% | 6,165 |
| Net interest margin | 3.6843% | 2,778 |
| Noninterest income to average assets | 0.4516% | 3,697 |
| Noninterest expense to average assets | 2.6353% | 3,793 |
| Loan and lease loss provision to assets | -0.0331% | 5,999 |
| Net operating income to assets | 0.8095% | 3,330 |
| Return on assets (ROA) | 0.8423% | 3,267 |
| Pretax return on assets | 1.2348% | 2,627 |
| Return on Equity (ROE) | 8.4937% | 2,797 |
| Retained earnings to average equity (ytd only) | 6.3396% | 2,039 |
| Net charge-offs to loans | 0.0083% | 3,609 |
| Credit loss provision to net charge-offs | -657.8947% | 5,276 |
| Earnings coverage of net charge-offs (x) | 229.3684% | 305 |
| Efficiency ratio | 69.5543% | 3,410 |
| Assets per employee ($millions) | 5.0258% | 2,245 |
| Cash dividends to net income (ytd only)* | 25.3614% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,925 |
| Loan loss allowance to noncurrent loans | 169.3789% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 3,361 |
| Noncurrent loans to loans | 0.9422% | 2,773 |
| Net loans and leases to total assets | 59.6489% | 3,885 |
| Net loans and leases to deposits | 66.5623% | 4,284 |
| Net loans and leases to core deposits | 67.7471% | 4,507 |
| Total domestic deposits to total assets | 89.6136% | 835 |
| Equity capital to assets | 9.8745% | 4,182 |
| Core capital (leverage) ratio | 9.9262% | 3,708 |
| Tier 1 risk-based capital ratio | 13.1568% | 4,424 |
| Total risk-based capital ratio | 14.4080% | 4,341 |
| Memoranda: | ||
| Average total assets | $755,583,330 | 923 |
| Average earning assets | $684,413,670 | 939 |
| Average equity | $74,926,000 | 1,027 |
| Average total loans | $456,604,330 | 1,017 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,034 |
| Cost of funding earning assets | 0.0894% | 6,240 |
| Net interest margin | 3.7044% | 2,603 |
| Noninterest income to average assets | 0.4205% | 3,841 |
| Noninterest expense to average assets | 2.6260% | 3,839 |
| Loan and lease loss provision to assets | -0.0665% | 6,182 |
| Net operating income to assets | 0.8038% | 3,241 |
| Return on assets (ROA) | 0.8427% | 3,176 |
| Pretax return on assets | 1.2515% | 2,458 |
| Return on Equity (ROE) | 8.4798% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.1568% | 3,509 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9716% | 3,492 |
| Assets per employee ($millions) | 5.0908% | 2,242 |
| Cash dividends to net income (ytd only)* | 50.9792% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 1,931 |
| Loan loss allowance to noncurrent loans | 167.9284% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 3,401 |
| Noncurrent loans to loans | 0.9745% | 2,824 |
| Net loans and leases to total assets | 59.1044% | 3,782 |
| Net loans and leases to deposits | 66.1057% | 4,144 |
| Net loans and leases to core deposits | 67.3653% | 4,395 |
| Total domestic deposits to total assets | 89.4088% | 1,040 |
| Equity capital to assets | 9.9619% | 4,194 |
| Core capital (leverage) ratio | 9.6784% | 4,040 |
| Tier 1 risk-based capital ratio | 13.2273% | 4,477 |
| Total risk-based capital ratio | 14.4789% | 4,397 |
| Memoranda: | ||
| Average total assets | $751,412,500 | 925 |
| Average earning assets | $675,945,500 | 952 |
| Average equity | $74,672,000 | 1,029 |
| Average total loans | $453,375,000 | 1,024 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 3,150 |
| Cost of funding earning assets | 0.1025% | 6,317 |
| Net interest margin | 4.0416% | 1,768 |
| Noninterest income to average assets | 0.4610% | 3,775 |
| Noninterest expense to average assets | 2.8109% | 3,437 |
| Loan and lease loss provision to assets | -0.2685% | 6,351 |
| Net operating income to assets | 1.0350% | 2,237 |
| Return on assets (ROA) | 1.0547% | 2,210 |
| Pretax return on assets | 1.5997% | 1,235 |
| Return on Equity (ROE) | 10.5814% | 1,867 |
| Retained earnings to average equity (ytd only) | 9.4429% | 613 |
| Net charge-offs to loans | -0.4043% | 6,370 |
| Credit loss provision to net charge-offs | 107.1388% | 2,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3557% | 3,835 |
| Assets per employee ($millions) | 5.0634% | 2,240 |
| Cash dividends to net income (ytd only)* | 10.7598% | 4,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 1,900 |
| Loan loss allowance to noncurrent loans | 160.2979% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 3,345 |
| Noncurrent loans to loans | 1.0352% | 2,754 |
| Net loans and leases to total assets | 59.5810% | 3,841 |
| Net loans and leases to deposits | 66.6213% | 4,252 |
| Net loans and leases to core deposits | 67.8388% | 4,526 |
| Total domestic deposits to total assets | 89.4324% | 1,001 |
| Equity capital to assets | 9.9131% | 4,220 |
| Core capital (leverage) ratio | 10.0498% | 3,501 |
| Tier 1 risk-based capital ratio | 13.2151% | 4,577 |
| Total risk-based capital ratio | 14.4672% | 4,499 |
| Memoranda: | ||
| Average total assets | $698,767,800 | 960 |
| Average earning assets | $631,292,400 | 972 |
| Average equity | $69,650,400 | 1,056 |
| Average total loans | $433,104,200 | 1,017 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 3,235 |
| Cost of funding earning assets | 0.1048% | 6,397 |
| Net interest margin | 4.0304% | 1,790 |
| Noninterest income to average assets | 0.4650% | 3,768 |
| Noninterest expense to average assets | 2.8135% | 3,409 |
| Loan and lease loss provision to assets | -0.3646% | 6,497 |
| Net operating income to assets | 1.1017% | 2,023 |
| Return on assets (ROA) | 1.1053% | 2,067 |
| Pretax return on assets | 1.6819% | 1,110 |
| Return on Equity (ROE) | 11.0727% | 1,763 |
| Retained earnings to average equity (ytd only) | 9.5290% | 827 |
| Net charge-offs to loans | -0.5478% | 6,470 |
| Credit loss provision to net charge-offs | 106.7122% | 2,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1992% | 3,824 |
| Assets per employee ($millions) | 4.8742% | 2,407 |
| Cash dividends to net income (ytd only)* | 13.9417% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 1,879 |
| Loan loss allowance to noncurrent loans | 218.6431% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 3,997 |
| Noncurrent loans to loans | 0.7922% | 3,603 |
| Net loans and leases to total assets | 60.5361% | 3,697 |
| Net loans and leases to deposits | 67.8227% | 4,148 |
| Net loans and leases to core deposits | 69.3658% | 4,384 |
| Total domestic deposits to total assets | 89.2564% | 1,098 |
| Equity capital to assets | 10.2031% | 3,928 |
| Core capital (leverage) ratio | 10.2268% | 3,375 |
| Tier 1 risk-based capital ratio | 13.4741% | 4,560 |
| Total risk-based capital ratio | 14.7270% | 4,497 |
| Memoranda: | ||
| Average total assets | $686,113,500 | 987 |
| Average earning assets | $623,110,500 | 994 |
| Average equity | $68,491,250 | 1,076 |
| Average total loans | $427,874,000 | 1,030 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 3,309 |
| Cost of funding earning assets | 0.1082% | 6,454 |
| Net interest margin | 3.9989% | 1,804 |
| Noninterest income to average assets | 0.4599% | 3,792 |
| Noninterest expense to average assets | 2.8032% | 3,493 |
| Loan and lease loss provision to assets | -0.5527% | 6,603 |
| Net operating income to assets | 1.1995% | 1,590 |
| Return on assets (ROA) | 1.2017% | 1,653 |
| Pretax return on assets | 1.8597% | 743 |
| Return on Equity (ROE) | 12.1305% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.7734% | 773 |
| Net charge-offs to loans | -0.8557% | 6,564 |
| Credit loss provision to net charge-offs | 103.1319% | 1,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2535% | 3,959 |
| Assets per employee ($millions) | 4.7100% | 2,592 |
| Cash dividends to net income (ytd only)* | 19.4315% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,987 |
| Loan loss allowance to noncurrent loans | 182.4772% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 3,726 |
| Noncurrent loans to loans | 0.9571% | 3,329 |
| Net loans and leases to total assets | 63.0538% | 3,230 |
| Net loans and leases to deposits | 70.7895% | 3,724 |
| Net loans and leases to core deposits | 72.4032% | 4,005 |
| Total domestic deposits to total assets | 89.0723% | 1,315 |
| Equity capital to assets | 10.3433% | 3,629 |
| Core capital (leverage) ratio | 10.1736% | 3,386 |
| Tier 1 risk-based capital ratio | 13.3853% | 4,659 |
| Total risk-based capital ratio | 14.6384% | 4,608 |
| Memoranda: | ||
| Average total assets | $679,232,330 | 995 |
| Average earning assets | $619,476,330 | 998 |
| Average equity | $67,284,670 | 1,088 |
| Average total loans | $425,370,670 | 1,029 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 3,423 |
| Cost of funding earning assets | 0.1106% | 6,528 |
| Net interest margin | 3.9542% | 1,912 |
| Noninterest income to average assets | 0.4361% | 3,897 |
| Noninterest expense to average assets | 2.7746% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8566% | 2,870 |
| Return on assets (ROA) | 0.8598% | 2,921 |
| Pretax return on assets | 1.2835% | 2,155 |
| Return on Equity (ROE) | 8.8746% | 2,527 |
| Retained earnings to average equity (ytd only) | 4.0576% | 3,679 |
| Net charge-offs to loans | 0.0419% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 49.3864% | 754 |
| Efficiency ratio | 68.4524% | 4,100 |
| Assets per employee ($millions) | 4.8410% | 2,453 |
| Cash dividends to net income (ytd only)* | 54.2779% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,025 |
| Loan loss allowance to noncurrent loans | 145.1306% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 3,497 |
| Noncurrent loans to loans | 1.2432% | 2,967 |
| Net loans and leases to total assets | 60.2868% | 3,513 |
| Net loans and leases to deposits | 67.1622% | 3,956 |
| Net loans and leases to core deposits | 68.4582% | 4,261 |
| Total domestic deposits to total assets | 89.7629% | 1,195 |
| Equity capital to assets | 9.6916% | 4,233 |
| Core capital (leverage) ratio | 9.7196% | 3,970 |
| Tier 1 risk-based capital ratio | 13.3689% | 4,786 |
| Total risk-based capital ratio | 14.6227% | 4,717 |
| Memoranda: | ||
| Average total assets | $679,729,500 | 1,001 |
| Average earning assets | $621,825,500 | 1,002 |
| Average equity | $65,851,000 | 1,113 |
| Average total loans | $420,427,500 | 1,045 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,301 |
| Cost of funding earning assets | 0.1381% | 6,579 |
| Net interest margin | 4.0750% | 1,717 |
| Noninterest income to average assets | 0.4557% | 4,051 |
| Noninterest expense to average assets | 2.7525% | 3,901 |
| Loan and lease loss provision to assets | 0.0457% | 4,205 |
| Net operating income to assets | 0.9329% | 2,631 |
| Return on assets (ROA) | 0.9391% | 2,686 |
| Pretax return on assets | 1.3853% | 1,841 |
| Return on Equity (ROE) | 9.4894% | 2,331 |
| Retained earnings to average equity (ytd only) | -1.1293% | 6,081 |
| Net charge-offs to loans | 0.1539% | 3,267 |
| Credit loss provision to net charge-offs | 48.7013% | 3,847 |
| Earnings coverage of net charge-offs (x) | 15.1607% | 1,896 |
| Efficiency ratio | 65.9384% | 4,572 |
| Assets per employee ($millions) | 4.9414% | 2,249 |
| Cash dividends to net income (ytd only)* | 111.9001% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 1,980 |
| Loan loss allowance to noncurrent loans | 327.4476% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 4,786 |
| Noncurrent loans to loans | 0.5585% | 4,594 |
| Net loans and leases to total assets | 61.1807% | 3,501 |
| Net loans and leases to deposits | 68.2032% | 4,021 |
| Net loans and leases to core deposits | 69.5186% | 4,337 |
| Total domestic deposits to total assets | 89.7035% | 1,220 |
| Equity capital to assets | 9.6840% | 4,181 |
| Core capital (leverage) ratio | 9.8113% | 3,827 |
| Tier 1 risk-based capital ratio | 13.3062% | 4,783 |
| Total risk-based capital ratio | 14.5603% | 4,721 |
| Memoranda: | ||
| Average total assets | $656,822,800 | 1,016 |
| Average earning assets | $599,392,600 | 1,021 |
| Average equity | $64,998,600 | 1,104 |
| Average total loans | $400,374,600 | 1,069 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,475 |
| Cost of funding earning assets | 0.1440% | 6,658 |
| Net interest margin | 4.0320% | 1,840 |
| Noninterest income to average assets | 0.4604% | 4,076 |
| Noninterest expense to average assets | 2.7709% | 3,759 |
| Loan and lease loss provision to assets | 0.0613% | 3,820 |
| Net operating income to assets | 0.8865% | 2,903 |
| Return on assets (ROA) | 0.8939% | 2,984 |
| Pretax return on assets | 1.3155% | 2,279 |
| Return on Equity (ROE) | 8.9833% | 2,642 |
| Retained earnings to average equity (ytd only) | -5.1790% | 6,502 |
| Net charge-offs to loans | 0.2042% | 2,600 |
| Credit loss provision to net charge-offs | 49.5050% | 3,515 |
| Earnings coverage of net charge-offs (x) | 11.0396% | 2,287 |
| Efficiency ratio | 66.9809% | 4,306 |
| Assets per employee ($millions) | 4.8824% | 2,331 |
| Cash dividends to net income (ytd only)* | 157.6519% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,120 |
| Loan loss allowance to noncurrent loans | 214.3376% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 4,411 |
| Noncurrent loans to loans | 0.8659% | 4,087 |
| Net loans and leases to total assets | 61.5274% | 3,452 |
| Net loans and leases to deposits | 68.5237% | 3,999 |
| Net loans and leases to core deposits | 69.8750% | 4,335 |
| Total domestic deposits to total assets | 89.7900% | 1,115 |
| Equity capital to assets | 9.5763% | 4,450 |
| Core capital (leverage) ratio | 9.8962% | 3,819 |
| Tier 1 risk-based capital ratio | 13.0101% | 5,113 |
| Total risk-based capital ratio | 14.2644% | 5,064 |
| Memoranda: | ||
| Average total assets | $653,019,500 | 1,026 |
| Average earning assets | $595,419,250 | 1,038 |
| Average equity | $64,978,250 | 1,112 |
| Average total loans | $395,764,500 | 1,082 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 3,479 |
| Cost of funding earning assets | 0.1515% | 6,700 |
| Net interest margin | 4.0175% | 1,800 |
| Noninterest income to average assets | 0.4522% | 4,147 |
| Noninterest expense to average assets | 2.7955% | 3,691 |
| Loan and lease loss provision to assets | 0.0614% | 3,782 |
| Net operating income to assets | 0.8526% | 3,032 |
| Return on assets (ROA) | 0.8599% | 3,145 |
| Pretax return on assets | 1.2713% | 2,400 |
| Return on Equity (ROE) | 8.5338% | 2,832 |
| Retained earnings to average equity (ytd only) | -12.5096% | 6,718 |
| Net charge-offs to loans | 0.3103% | 1,943 |
| Credit loss provision to net charge-offs | 33.0579% | 3,539 |
| Earnings coverage of net charge-offs (x) | 7.1124% | 2,597 |
| Efficiency ratio | 67.8929% | 4,200 |
| Assets per employee ($millions) | 4.8073% | 2,363 |
| Cash dividends to net income (ytd only)* | 246.5881% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 1,993 |
| Loan loss allowance to noncurrent loans | 320.4911% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 4,604 |
| Noncurrent loans to loans | 0.6055% | 4,741 |
| Net loans and leases to total assets | 59.3799% | 3,765 |
| Net loans and leases to deposits | 66.2561% | 4,237 |
| Net loans and leases to core deposits | 67.6734% | 4,534 |
| Total domestic deposits to total assets | 89.6218% | 1,250 |
| Equity capital to assets | 9.8074% | 4,177 |
| Core capital (leverage) ratio | 9.7544% | 3,862 |
| Tier 1 risk-based capital ratio | 13.6811% | 4,656 |
| Total risk-based capital ratio | 14.9365% | 4,612 |
| Memoranda: | ||
| Average total assets | $650,983,000 | 1,031 |
| Average earning assets | $593,904,000 | 1,040 |
| Average equity | $65,597,670 | 1,101 |
| Average total loans | $389,948,000 | 1,095 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,824 |
| Cost of funding earning assets | 0.1559% | 6,780 |
| Net interest margin | 3.9182% | 2,058 |
| Noninterest income to average assets | 0.4371% | 4,204 |
| Noninterest expense to average assets | 2.7586% | 3,836 |
| Loan and lease loss provision to assets | 0.0611% | 3,619 |
| Net operating income to assets | 0.8166% | 3,071 |
| Return on assets (ROA) | 0.8240% | 3,171 |
| Pretax return on assets | 1.2237% | 2,492 |
| Return on Equity (ROE) | 8.0709% | 2,939 |
| Retained earnings to average equity (ytd only) | -33.2535% | 6,910 |
| Net charge-offs to loans | 0.3406% | 1,621 |
| Credit loss provision to net charge-offs | 30.1205% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.2771% | 2,245 |
| Efficiency ratio | 68.4099% | 4,237 |
| Assets per employee ($millions) | 4.8382% | 2,429 |
| Cash dividends to net income (ytd only)* | 512.0178% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 2,074 |
| Loan loss allowance to noncurrent loans | 141.6057% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 3,938 |
| Noncurrent loans to loans | 1.4043% | 3,460 |
| Net loans and leases to total assets | 58.8648% | 3,636 |
| Net loans and leases to deposits | 65.7499% | 4,090 |
| Net loans and leases to core deposits | 67.2843% | 4,376 |
| Total domestic deposits to total assets | 89.5285% | 1,341 |
| Equity capital to assets | 9.8399% | 4,368 |
| Core capital (leverage) ratio | 9.3782% | 4,278 |
| Tier 1 risk-based capital ratio | 13.5201% | 4,857 |
| Total risk-based capital ratio | 14.7763% | 4,807 |
| Memoranda: | ||
| Average total assets | $654,385,000 | 1,035 |
| Average earning assets | $600,480,500 | 1,041 |
| Average equity | $66,808,000 | 1,095 |
| Average total loans | $389,880,500 | 1,098 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 2,763 |
| Cost of funding earning assets | 0.2033% | 6,828 |
| Net interest margin | 4.4549% | 1,034 |
| Noninterest income to average assets | 0.4627% | 4,154 |
| Noninterest expense to average assets | 2.8701% | 3,765 |
| Loan and lease loss provision to assets | 0.1861% | 3,313 |
| Net operating income to assets | 0.9653% | 2,478 |
| Return on assets (ROA) | 0.9753% | 2,670 |
| Pretax return on assets | 1.4568% | 1,831 |
| Return on Equity (ROE) | 8.6737% | 2,805 |
| Retained earnings to average equity (ytd only) | -1.8101% | 6,137 |
| Net charge-offs to loans | 0.4560% | 2,411 |
| Credit loss provision to net charge-offs | 64.4619% | 4,329 |
| Earnings coverage of net charge-offs (x) | 5.6401% | 2,988 |
| Efficiency ratio | 63.8071% | 4,924 |
| Assets per employee ($millions) | 5.0804% | 2,123 |
| Cash dividends to net income (ytd only)* | 120.8693% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 1,909 |
| Loan loss allowance to noncurrent loans | 115.2124% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 3,938 |
| Noncurrent loans to loans | 1.7731% | 2,961 |
| Net loans and leases to total assets | 57.9015% | 3,997 |
| Net loans and leases to deposits | 65.1249% | 4,404 |
| Net loans and leases to core deposits | 66.5699% | 4,682 |
| Total domestic deposits to total assets | 88.9083% | 1,627 |
| Equity capital to assets | 10.5719% | 3,439 |
| Core capital (leverage) ratio | 10.3018% | 3,014 |
| Tier 1 risk-based capital ratio | 14.7820% | 3,846 |
| Total risk-based capital ratio | 16.0388% | 3,794 |
| Memoranda: | ||
| Average total assets | $618,064,000 | 1,073 |
| Average earning assets | $559,854,600 | 1,085 |
| Average equity | $69,497,400 | 1,012 |
| Average total loans | $391,218,200 | 1,071 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,488 |
| Cost of funding earning assets | 0.2126% | 6,925 |
| Net interest margin | 4.5616% | 883 |
| Noninterest income to average assets | 0.4585% | 4,223 |
| Noninterest expense to average assets | 2.9235% | 3,507 |
| Loan and lease loss provision to assets | 0.1975% | 3,106 |
| Net operating income to assets | 0.9772% | 2,624 |
| Return on assets (ROA) | 0.9875% | 2,800 |
| Pretax return on assets | 1.4774% | 1,969 |
| Return on Equity (ROE) | 8.6414% | 2,982 |
| Retained earnings to average equity (ytd only) | -5.1917% | 6,626 |
| Net charge-offs to loans | 0.5300% | 2,022 |
| Credit loss provision to net charge-offs | 57.8406% | 4,211 |
| Earnings coverage of net charge-offs (x) | 4.8593% | 3,182 |
| Efficiency ratio | 63.7900% | 4,841 |
| Assets per employee ($millions) | 5.1038% | 2,047 |
| Cash dividends to net income (ytd only)* | 160.0800% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 2,038 |
| Loan loss allowance to noncurrent loans | 120.2995% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 4,190 |
| Noncurrent loans to loans | 1.7032% | 3,225 |
| Net loans and leases to total assets | 60.5653% | 3,662 |
| Net loans and leases to deposits | 68.6835% | 4,070 |
| Net loans and leases to core deposits | 70.3072% | 4,463 |
| Total domestic deposits to total assets | 88.1803% | 1,935 |
| Equity capital to assets | 10.9412% | 3,337 |
| Core capital (leverage) ratio | 10.7476% | 2,659 |
| Tier 1 risk-based capital ratio | 14.4821% | 4,194 |
| Total risk-based capital ratio | 15.7410% | 4,159 |
| Memoranda: | ||
| Average total assets | $607,467,250 | 1,100 |
| Average earning assets | $549,264,750 | 1,117 |
| Average equity | $69,416,250 | 1,016 |
| Average total loans | $391,426,250 | 1,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 2,328 |
| Cost of funding earning assets | 0.2219% | 6,990 |
| Net interest margin | 4.6218% | 793 |
| Noninterest income to average assets | 0.4575% | 4,233 |
| Noninterest expense to average assets | 2.9685% | 3,379 |
| Loan and lease loss provision to assets | 0.1998% | 3,084 |
| Net operating income to assets | 0.9770% | 2,561 |
| Return on assets (ROA) | 0.9848% | 2,764 |
| Pretax return on assets | 1.4686% | 1,962 |
| Return on Equity (ROE) | 8.4927% | 3,018 |
| Retained earnings to average equity (ytd only) | -11.9437% | 6,884 |
| Net charge-offs to loans | 0.6120% | 1,790 |
| Credit loss provision to net charge-offs | 49.9584% | 4,039 |
| Earnings coverage of net charge-offs (x) | 4.1432% | 3,167 |
| Efficiency ratio | 64.1808% | 4,868 |
| Assets per employee ($millions) | 4.7708% | 2,479 |
| Cash dividends to net income (ytd only)* | 240.6356% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0535% | 2,103 |
| Loan loss allowance to noncurrent loans | 111.4699% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 4,000 |
| Noncurrent loans to loans | 1.8422% | 3,161 |
| Net loans and leases to total assets | 64.0489% | 3,022 |
| Net loans and leases to deposits | 72.5386% | 3,528 |
| Net loans and leases to core deposits | 74.2499% | 3,992 |
| Total domestic deposits to total assets | 88.2962% | 1,960 |
| Equity capital to assets | 11.2106% | 2,887 |
| Core capital (leverage) ratio | 10.8253% | 2,456 |
| Tier 1 risk-based capital ratio | 14.1809% | 4,320 |
| Total risk-based capital ratio | 15.4385% | 4,276 |
| Memoranda: | ||
| Average total assets | $600,701,330 | 1,110 |
| Average earning assets | $541,689,000 | 1,131 |
| Average equity | $69,660,000 | 1,009 |
| Average total loans | $392,514,670 | 1,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 2,463 |
| Cost of funding earning assets | 0.2355% | 7,042 |
| Net interest margin | 4.6089% | 812 |
| Noninterest income to average assets | 0.4989% | 3,917 |
| Noninterest expense to average assets | 2.9691% | 3,394 |
| Loan and lease loss provision to assets | 0.1990% | 2,949 |
| Net operating income to assets | 0.9936% | 2,507 |
| Return on assets (ROA) | 1.0032% | 2,658 |
| Pretax return on assets | 1.5141% | 1,836 |
| Return on Equity (ROE) | 8.5108% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.5595% | 2,146 |
| Net charge-offs to loans | 1.1346% | 908 |
| Credit loss provision to net charge-offs | 26.8577% | 3,673 |
| Earnings coverage of net charge-offs (x) | 2.2919% | 3,249 |
| Efficiency ratio | 63.6105% | 5,002 |
| Assets per employee ($millions) | 4.7095% | 2,646 |
| Cash dividends to net income (ytd only)* | 11.1772% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9877% | 2,392 |
| Loan loss allowance to noncurrent loans | 117.0673% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 4,259 |
| Noncurrent loans to loans | 1.6979% | 3,562 |
| Net loans and leases to total assets | 64.7488% | 2,701 |
| Net loans and leases to deposits | 74.0595% | 3,117 |
| Net loans and leases to core deposits | 75.7558% | 3,643 |
| Total domestic deposits to total assets | 87.4282% | 2,701 |
| Equity capital to assets | 12.0661% | 1,995 |
| Core capital (leverage) ratio | 11.5480% | 1,865 |
| Tier 1 risk-based capital ratio | 15.4500% | 3,476 |
| Total risk-based capital ratio | 16.7070% | 3,442 |
| Memoranda: | ||
| Average total assets | $602,875,000 | 1,103 |
| Average earning assets | $545,296,000 | 1,116 |
| Average equity | $71,062,500 | 984 |
| Average total loans | $393,789,000 | 1,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 2,416 |
| Cost of funding earning assets | 0.3129% | 7,085 |
| Net interest margin | 4.7961% | 629 |
| Noninterest income to average assets | 0.3696% | 4,862 |
| Noninterest expense to average assets | 2.8971% | 3,967 |
| Loan and lease loss provision to assets | 0.2600% | 3,611 |
| Net operating income to assets | 1.0297% | 2,087 |
| Return on assets (ROA) | 1.0388% | 2,199 |
| Pretax return on assets | 1.6054% | 1,185 |
| Return on Equity (ROE) | 8.8726% | 2,505 |
| Retained earnings to average equity (ytd only) | 7.1668% | 1,421 |
| Net charge-offs to loans | 0.2903% | 3,960 |
| Credit loss provision to net charge-offs | 130.8901% | 2,332 |
| Earnings coverage of net charge-offs (x) | 9.3185% | 2,003 |
| Efficiency ratio | 61.0113% | 5,602 |
| Assets per employee ($millions) | 4.7840% | 2,470 |
| Cash dividends to net income (ytd only)* | 19.2256% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1764% | 1,845 |
| Loan loss allowance to noncurrent loans | 112.4331% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 4,063 |
| Noncurrent loans to loans | 1.9357% | 3,293 |
| Net loans and leases to total assets | 63.1922% | 3,354 |
| Net loans and leases to deposits | 72.1634% | 3,767 |
| Net loans and leases to core deposits | 73.6604% | 4,288 |
| Total domestic deposits to total assets | 87.5682% | 2,432 |
| Equity capital to assets | 11.5171% | 2,490 |
| Core capital (leverage) ratio | 11.3974% | 1,972 |
| Tier 1 risk-based capital ratio | 14.9152% | 3,687 |
| Total risk-based capital ratio | 16.1744% | 3,652 |
| Memoranda: | ||
| Average total assets | $576,817,200 | 1,140 |
| Average earning assets | $526,637,400 | 1,131 |
| Average equity | $67,533,600 | 992 |
| Average total loans | $394,803,400 | 1,078 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 2,296 |
| Cost of funding earning assets | 0.3279% | 7,161 |
| Net interest margin | 4.8465% | 572 |
| Noninterest income to average assets | 0.3707% | 4,904 |
| Noninterest expense to average assets | 2.9491% | 3,746 |
| Loan and lease loss provision to assets | 0.2817% | 3,270 |
| Net operating income to assets | 1.0363% | 2,191 |
| Return on assets (ROA) | 1.0466% | 2,302 |
| Pretax return on assets | 1.5929% | 1,409 |
| Return on Equity (ROE) | 8.8999% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.7857% | 2,091 |
| Net charge-offs to loans | 0.2017% | 4,189 |
| Credit loss provision to net charge-offs | 201.0050% | 1,452 |
| Earnings coverage of net charge-offs (x) | 13.2647% | 1,632 |
| Efficiency ratio | 61.3349% | 5,513 |
| Assets per employee ($millions) | 4.5979% | 2,761 |
| Cash dividends to net income (ytd only)* | 23.7550% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2671% | 1,742 |
| Loan loss allowance to noncurrent loans | 104.1632% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 3,869 |
| Noncurrent loans to loans | 2.1765% | 3,143 |
| Net loans and leases to total assets | 65.3877% | 3,034 |
| Net loans and leases to deposits | 75.5224% | 3,406 |
| Net loans and leases to core deposits | 77.1141% | 4,032 |
| Total domestic deposits to total assets | 86.5806% | 2,889 |
| Equity capital to assets | 11.9002% | 2,333 |
| Core capital (leverage) ratio | 11.5476% | 1,990 |
| Tier 1 risk-based capital ratio | 14.8944% | 3,723 |
| Total risk-based capital ratio | 16.1559% | 3,688 |
| Memoranda: | ||
| Average total assets | $567,933,750 | 1,173 |
| Average earning assets | $520,006,000 | 1,160 |
| Average equity | $66,785,750 | 1,010 |
| Average total loans | $394,612,500 | 1,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1826% | 2,335 |
| Cost of funding earning assets | 0.3430% | 7,239 |
| Net interest margin | 4.8395% | 569 |
| Noninterest income to average assets | 0.3157% | 5,369 |
| Noninterest expense to average assets | 2.9954% | 3,659 |
| Loan and lease loss provision to assets | 0.3199% | 2,868 |
| Net operating income to assets | 0.9444% | 2,459 |
| Return on assets (ROA) | 0.9534% | 2,517 |
| Pretax return on assets | 1.4732% | 1,608 |
| Return on Equity (ROE) | 8.1415% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.1185% | 1,823 |
| Net charge-offs to loans | 0.2849% | 3,452 |
| Credit loss provision to net charge-offs | 159.5745% | 1,902 |
| Earnings coverage of net charge-offs (x) | 8.8741% | 1,994 |
| Efficiency ratio | 62.7355% | 5,446 |
| Assets per employee ($millions) | 4.4018% | 2,988 |
| Cash dividends to net income (ytd only)* | 12.5652% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2040% | 1,914 |
| Loan loss allowance to noncurrent loans | 95.4556% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 3,774 |
| Noncurrent loans to loans | 2.3090% | 3,088 |
| Net loans and leases to total assets | 66.6158% | 2,907 |
| Net loans and leases to deposits | 76.8049% | 3,324 |
| Net loans and leases to core deposits | 78.4595% | 4,000 |
| Total domestic deposits to total assets | 86.7338% | 2,896 |
| Equity capital to assets | 11.8002% | 2,246 |
| Core capital (leverage) ratio | 11.5231% | 1,898 |
| Tier 1 risk-based capital ratio | 14.8500% | 3,578 |
| Total risk-based capital ratio | 16.1098% | 3,542 |
| Memoranda: | ||
| Average total assets | $562,602,000 | 1,194 |
| Average earning assets | $518,354,670 | 1,176 |
| Average equity | $65,884,670 | 1,021 |
| Average total loans | $395,925,000 | 1,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 2,254 |
| Cost of funding earning assets | 0.3587% | 7,304 |
| Net interest margin | 4.8327% | 534 |
| Noninterest income to average assets | 0.2574% | 5,835 |
| Noninterest expense to average assets | 3.0069% | 3,623 |
| Loan and lease loss provision to assets | 0.4303% | 2,038 |
| Net operating income to assets | 0.8511% | 2,777 |
| Return on assets (ROA) | 0.8634% | 2,791 |
| Pretax return on assets | 1.3023% | 2,036 |
| Return on Equity (ROE) | 7.4018% | 3,198 |
| Retained earnings to average equity (ytd only) | 6.3629% | 2,441 |
| Net charge-offs to loans | 0.0902% | 4,041 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 26.5556% | 921 |
| Efficiency ratio | 63.6944% | 5,412 |
| Assets per employee ($millions) | 4.5017% | 2,886 |
| Cash dividends to net income (ytd only)* | 14.0365% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 1,911 |
| Loan loss allowance to noncurrent loans | 80.9550% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 3,292 |
| Noncurrent loans to loans | 2.7443% | 2,753 |
| Net loans and leases to total assets | 68.5550% | 2,439 |
| Net loans and leases to deposits | 79.4207% | 2,822 |
| Net loans and leases to core deposits | 81.8229% | 3,476 |
| Total domestic deposits to total assets | 86.3188% | 3,332 |
| Equity capital to assets | 11.6650% | 2,145 |
| Core capital (leverage) ratio | 11.5457% | 1,818 |
| Tier 1 risk-based capital ratio | 14.3555% | 3,831 |
| Total risk-based capital ratio | 15.6146% | 3,793 |
| Memoranda: | ||
| Average total assets | $557,789,000 | 1,208 |
| Average earning assets | $515,158,000 | 1,194 |
| Average equity | $65,065,000 | 1,030 |
| Average total loans | $398,995,000 | 1,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 1,393 |
| Cost of funding earning assets | 0.5997% | 7,132 |
| Net interest margin | 5.1545% | 316 |
| Noninterest income to average assets | 0.3394% | 5,359 |
| Noninterest expense to average assets | 3.0023% | 3,844 |
| Loan and lease loss provision to assets | 0.7580% | 2,163 |
| Net operating income to assets | 0.8662% | 2,531 |
| Return on assets (ROA) | 0.8906% | 2,560 |
| Pretax return on assets | 1.3469% | 1,811 |
| Return on Equity (ROE) | 7.5577% | 2,865 |
| Retained earnings to average equity (ytd only) | 6.4776% | 1,564 |
| Net charge-offs to loans | 0.6770% | 2,978 |
| Credit loss provision to net charge-offs | 144.3447% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3.9379% | 3,129 |
| Efficiency ratio | 59.2138% | 6,159 |
| Assets per employee ($millions) | 4.7254% | 2,528 |
| Cash dividends to net income (ytd only)* | 14.2918% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 2,185 |
| Loan loss allowance to noncurrent loans | 71.9390% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 2.2162% | 3,074 |
| Noncurrent loans to loans | 2.8441% | 2,674 |
| Net loans and leases to total assets | 71.4825% | 2,204 |
| Net loans and leases to deposits | 82.8661% | 2,650 |
| Net loans and leases to core deposits | 85.6707% | 3,370 |
| Total domestic deposits to total assets | 86.2626% | 3,221 |
| Equity capital to assets | 11.6646% | 2,151 |
| Core capital (leverage) ratio | 11.5160% | 1,822 |
| Tier 1 risk-based capital ratio | 13.6573% | 4,090 |
| Total risk-based capital ratio | 14.9148% | 4,060 |
| Memoranda: | ||
| Average total assets | $530,324,200 | 1,261 |
| Average earning assets | $486,740,200 | 1,268 |
| Average equity | $62,492,200 | 1,071 |
| Average total loans | $411,394,000 | 1,094 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8548% | 1,244 |
| Cost of funding earning assets | 0.6568% | 7,162 |
| Net interest margin | 5.1980% | 298 |
| Noninterest income to average assets | 0.3006% | 5,743 |
| Noninterest expense to average assets | 3.0974% | 3,353 |
| Loan and lease loss provision to assets | 0.7662% | 1,999 |
| Net operating income to assets | 0.7841% | 3,066 |
| Return on assets (ROA) | 0.8132% | 3,089 |
| Pretax return on assets | 1.2393% | 2,362 |
| Return on Equity (ROE) | 6.8824% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.7941% | 2,479 |
| Net charge-offs to loans | 0.7531% | 2,542 |
| Credit loss provision to net charge-offs | 129.1221% | 3,143 |
| Earnings coverage of net charge-offs (x) | 3.3058% | 3,498 |
| Efficiency ratio | 61.2266% | 5,748 |
| Assets per employee ($millions) | 4.6508% | 2,680 |
| Cash dividends to net income (ytd only)* | 15.8125% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 2,523 |
| Loan loss allowance to noncurrent loans | 80.6536% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.9987% | 3,474 |
| Noncurrent loans to loans | 2.3390% | 3,300 |
| Net loans and leases to total assets | 74.8740% | 1,604 |
| Net loans and leases to deposits | 89.1740% | 1,840 |
| Net loans and leases to core deposits | 92.7051% | 2,698 |
| Total domestic deposits to total assets | 83.9640% | 4,149 |
| Equity capital to assets | 11.9502% | 2,186 |
| Core capital (leverage) ratio | 11.7329% | 1,800 |
| Tier 1 risk-based capital ratio | 13.4910% | 4,215 |
| Total risk-based capital ratio | 14.7499% | 4,160 |
| Memoranda: | ||
| Average total assets | $524,687,500 | 1,284 |
| Average earning assets | $480,299,000 | 1,294 |
| Average equity | $61,992,750 | 1,085 |
| Average total loans | $413,377,250 | 1,097 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9088% | 1,164 |
| Cost of funding earning assets | 0.7188% | 7,151 |
| Net interest margin | 5.1899% | 291 |
| Noninterest income to average assets | 0.2409% | 6,179 |
| Noninterest expense to average assets | 3.1095% | 3,274 |
| Loan and lease loss provision to assets | 0.7711% | 1,866 |
| Net operating income to assets | 0.7457% | 3,213 |
| Return on assets (ROA) | 0.7788% | 3,215 |
| Pretax return on assets | 1.1456% | 2,604 |
| Return on Equity (ROE) | 6.6176% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.5190% | 2,598 |
| Net charge-offs to loans | 0.6822% | 2,513 |
| Credit loss provision to net charge-offs | 141.9492% | 2,806 |
| Earnings coverage of net charge-offs (x) | 3.4386% | 3,323 |
| Efficiency ratio | 62.4711% | 5,617 |
| Assets per employee ($millions) | 4.4373% | 2,988 |
| Cash dividends to net income (ytd only)* | 16.6010% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,548 |
| Loan loss allowance to noncurrent loans | 75.6107% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.2887% | 3,146 |
| Noncurrent loans to loans | 2.4545% | 3,190 |
| Net loans and leases to total assets | 77.5586% | 1,186 |
| Net loans and leases to deposits | 92.3758% | 1,470 |
| Net loans and leases to core deposits | 96.6559% | 2,370 |
| Total domestic deposits to total assets | 83.9599% | 4,120 |
| Equity capital to assets | 12.0067% | 2,091 |
| Core capital (leverage) ratio | 11.8124% | 1,748 |
| Tier 1 risk-based capital ratio | 13.0557% | 4,393 |
| Total risk-based capital ratio | 14.3151% | 4,340 |
| Memoranda: | ||
| Average total assets | $521,301,670 | 1,298 |
| Average earning assets | $475,765,670 | 1,305 |
| Average equity | $61,352,000 | 1,087 |
| Average total loans | $415,116,330 | 1,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9078% | 1,188 |
| Cost of funding earning assets | 0.8113% | 7,056 |
| Net interest margin | 5.0965% | 347 |
| Noninterest income to average assets | 0.1631% | 6,807 |
| Noninterest expense to average assets | 3.1165% | 3,203 |
| Loan and lease loss provision to assets | 0.7696% | 1,646 |
| Net operating income to assets | 0.7014% | 3,436 |
| Return on assets (ROA) | 0.7336% | 3,395 |
| Pretax return on assets | 0.9763% | 3,179 |
| Return on Equity (ROE) | 6.2963% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.1856% | 3,049 |
| Net charge-offs to loans | 1.2099% | 1,405 |
| Credit loss provision to net charge-offs | 79.5724% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.7609% | 3,678 |
| Efficiency ratio | 64.6648% | 5,360 |
| Assets per employee ($millions) | 4.4080% | 3,112 |
| Cash dividends to net income (ytd only)* | 17.6409% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,259 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.8555% | 2,532 |
| Noncurrent loans to loans | 3.0217% | 2,653 |
| Net loans and leases to total assets | 77.5751% | 1,223 |
| Net loans and leases to deposits | 93.4615% | 1,412 |
| Net loans and leases to core deposits | 98.1647% | 2,328 |
| Total domestic deposits to total assets | 83.0023% | 4,628 |
| Equity capital to assets | 11.7702% | 2,189 |
| Core capital (leverage) ratio | 11.5738% | 1,869 |
| Tier 1 risk-based capital ratio | 12.6717% | 4,582 |
| Total risk-based capital ratio | 13.9268% | 4,549 |
| Memoranda: | ||
| Average total assets | $522,372,500 | 1,336 |
| Average earning assets | $477,265,500 | 1,338 |
| Average equity | $60,861,000 | 1,095 |
| Average total loans | $417,541,000 | 1,121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1682% | 1,325 |
| Cost of funding earning assets | 1.1854% | 6,708 |
| Net interest margin | 4.9828% | 467 |
| Noninterest income to average assets | -0.0540% | 7,765 |
| Noninterest expense to average assets | 2.9557% | 4,325 |
| Loan and lease loss provision to assets | 1.1261% | 2,024 |
| Net operating income to assets | 0.3718% | 4,241 |
| Return on assets (ROA) | 0.4009% | 4,228 |
| Pretax return on assets | 0.4516% | 4,345 |
| Return on Equity (ROE) | 3.5329% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.8773% | 3,777 |
| Net charge-offs to loans | 1.0357% | 2,345 |
| Credit loss provision to net charge-offs | 132.8950% | 3,760 |
| Earnings coverage of net charge-offs (x) | 1.8234% | 4,357 |
| Efficiency ratio | 65.6722% | 5,458 |
| Assets per employee ($millions) | 4.4838% | 2,958 |
| Cash dividends to net income (ytd only)* | 46.8615% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 3,077 |
| Loan loss allowance to noncurrent loans | 48.6891% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 2,190 |
| Noncurrent loans to loans | 3.3939% | 2,251 |
| Net loans and leases to total assets | 79.6410% | 1,057 |
| Net loans and leases to deposits | 97.3139% | 1,175 |
| Net loans and leases to core deposits | 108.9477% | 3,008 |
| Total domestic deposits to total assets | 81.8393% | 5,017 |
| Equity capital to assets | 11.5326% | 2,299 |
| Core capital (leverage) ratio | 11.3005% | 2,039 |
| Tier 1 risk-based capital ratio | 12.2936% | 4,693 |
| Total risk-based capital ratio | 13.5485% | 4,646 |
| Memoranda: | ||
| Average total assets | $520,580,600 | 1,325 |
| Average earning assets | $475,859,200 | 1,326 |
| Average equity | $59,073,400 | 1,121 |
| Average total loans | $425,894,400 | 1,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2017% | 1,377 |
| Cost of funding earning assets | 1.2529% | 6,709 |
| Net interest margin | 4.9488% | 500 |
| Noninterest income to average assets | -0.0408% | 7,887 |
| Noninterest expense to average assets | 2.9162% | 4,379 |
| Loan and lease loss provision to assets | 1.2733% | 1,514 |
| Net operating income to assets | 0.3072% | 4,767 |
| Return on assets (ROA) | 0.3410% | 4,729 |
| Pretax return on assets | 0.3244% | 4,998 |
| Return on Equity (ROE) | 3.0178% | 4,788 |
| Retained earnings to average equity (ytd only) | 1.1808% | 4,662 |
| Net charge-offs to loans | 1.2937% | 1,587 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | 1.4738% | 4,683 |
| Efficiency ratio | 65.0934% | 5,534 |
| Assets per employee ($millions) | 4.3421% | 3,133 |
| Cash dividends to net income (ytd only)* | 60.8727% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 3,398 |
| Loan loss allowance to noncurrent loans | 71.7604% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 2.0927% | 3,220 |
| Noncurrent loans to loans | 2.0996% | 3,505 |
| Net loans and leases to total assets | 80.2456% | 1,126 |
| Net loans and leases to deposits | 96.8680% | 1,464 |
| Net loans and leases to core deposits | 110.7799% | 3,150 |
| Total domestic deposits to total assets | 82.8401% | 4,308 |
| Equity capital to assets | 11.4860% | 2,597 |
| Core capital (leverage) ratio | 11.1695% | 2,287 |
| Tier 1 risk-based capital ratio | 12.0819% | 4,894 |
| Total risk-based capital ratio | 13.3359% | 4,837 |
| Memoranda: | ||
| Average total assets | $519,576,000 | 1,341 |
| Average earning assets | $474,634,500 | 1,351 |
| Average equity | $58,716,750 | 1,142 |
| Average total loans | $426,164,000 | 1,141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1748% | 1,543 |
| Cost of funding earning assets | 1.2924% | 6,832 |
| Net interest margin | 4.8824% | 559 |
| Noninterest income to average assets | 0.0385% | 7,796 |
| Noninterest expense to average assets | 2.9263% | 4,404 |
| Loan and lease loss provision to assets | 1.5554% | 1,096 |
| Net operating income to assets | 0.1410% | 5,449 |
| Return on assets (ROA) | 0.1618% | 5,479 |
| Pretax return on assets | 0.0331% | 5,808 |
| Return on Equity (ROE) | 1.4398% | 5,478 |
| Retained earnings to average equity (ytd only) | -0.7131% | 5,402 |
| Net charge-offs to loans | 1.8303% | 1,035 |
| Credit loss provision to net charge-offs | 103.3803% | 4,438 |
| Earnings coverage of net charge-offs (x) | 1.0420% | 4,743 |
| Efficiency ratio | 65.1149% | 5,695 |
| Assets per employee ($millions) | 4.7341% | 2,420 |
| Cash dividends to net income (ytd only)* | 149.5238% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,004 |
| Loan loss allowance to noncurrent loans | 77.4172% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.9367% | 3,290 |
| Noncurrent loans to loans | 1.7388% | 3,902 |
| Net loans and leases to total assets | 79.5111% | 1,397 |
| Net loans and leases to deposits | 99.4897% | 1,335 |
| Net loans and leases to core deposits | 114.9685% | 2,811 |
| Total domestic deposits to total assets | 79.9189% | 5,497 |
| Equity capital to assets | 11.1264% | 2,810 |
| Core capital (leverage) ratio | 11.0031% | 2,394 |
| Tier 1 risk-based capital ratio | 11.9789% | 4,941 |
| Total risk-based capital ratio | 13.2021% | 4,876 |
| Memoranda: | ||
| Average total assets | $519,083,670 | 1,367 |
| Average earning assets | $473,699,000 | 1,371 |
| Average equity | $58,339,670 | 1,162 |
| Average total loans | $426,712,670 | 1,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1334% | 1,816 |
| Cost of funding earning assets | 1.3207% | 6,960 |
| Net interest margin | 4.8128% | 592 |
| Noninterest income to average assets | 0.3280% | 5,826 |
| Noninterest expense to average assets | 2.9340% | 4,038 |
| Loan and lease loss provision to assets | 1.4732% | 853 |
| Net operating income to assets | 0.3156% | 5,239 |
| Return on assets (ROA) | 0.3435% | 5,282 |
| Pretax return on assets | 0.3396% | 5,555 |
| Return on Equity (ROE) | 3.0407% | 5,356 |
| Retained earnings to average equity (ytd only) | 0.0686% | 5,627 |
| Net charge-offs to loans | 0.8088% | 1,601 |
| Credit loss provision to net charge-offs | 219.3995% | 2,061 |
| Earnings coverage of net charge-offs (x) | 2.6582% | 3,426 |
| Efficiency ratio | 62.1755% | 6,022 |
| Assets per employee ($millions) | 4.4753% | 2,762 |
| Cash dividends to net income (ytd only)* | 97.7427% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 2,774 |
| Loan loss allowance to noncurrent loans | 62.0641% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.6558% | 2,161 |
| Noncurrent loans to loans | 2.4772% | 2,657 |
| Net loans and leases to total assets | 80.7611% | 1,241 |
| Net loans and leases to deposits | 103.1118% | 1,079 |
| Net loans and leases to core deposits | 120.6476% | 2,358 |
| Total domestic deposits to total assets | 78.3238% | 5,919 |
| Equity capital to assets | 11.1966% | 2,814 |
| Core capital (leverage) ratio | 11.1451% | 2,378 |
| Tier 1 risk-based capital ratio | 11.9546% | 4,997 |
| Total risk-based capital ratio | 13.2065% | 4,900 |
| Memoranda: | ||
| Average total assets | $515,885,500 | 1,376 |
| Average earning assets | $470,666,000 | 1,381 |
| Average equity | $58,276,000 | 1,164 |
| Average total loans | $428,311,000 | 1,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7517% | 1,859 |
| Cost of funding earning assets | 2.0045% | 6,403 |
| Net interest margin | 4.7472% | 871 |
| Noninterest income to average assets | 0.1649% | 7,243 |
| Noninterest expense to average assets | 3.3789% | 2,738 |
| Loan and lease loss provision to assets | 0.4540% | 3,019 |
| Net operating income to assets | 0.4701% | 4,868 |
| Return on assets (ROA) | 0.4701% | 4,690 |
| Pretax return on assets | 0.6547% | 4,533 |
| Return on Equity (ROE) | 4.8453% | 4,455 |
| Retained earnings to average equity (ytd only) | 3.3092% | 3,091 |
| Net charge-offs to loans | 0.2753% | 3,563 |
| Credit loss provision to net charge-offs | 195.6757% | 2,508 |
| Earnings coverage of net charge-offs (x) | 4.7784% | 3,861 |
| Efficiency ratio | 75.2946% | 3,356 |
| Assets per employee ($millions) | 4.3432% | 2,892 |
| Cash dividends to net income (ytd only)* | 31.7030% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 3,753 |
| Loan loss allowance to noncurrent loans | 117.9623% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.4694% | 3,282 |
| Noncurrent loans to loans | 1.1053% | 4,349 |
| Net loans and leases to total assets | 82.9613% | 1,052 |
| Net loans and leases to deposits | 111.4450% | 739 |
| Net loans and leases to core deposits | 125.9784% | 2,163 |
| Total domestic deposits to total assets | 74.4415% | 6,570 |
| Equity capital to assets | 11.3991% | 2,701 |
| Core capital (leverage) ratio | 11.7663% | 2,092 |
| Tier 1 risk-based capital ratio | 12.0682% | 4,769 |
| Total risk-based capital ratio | 13.2709% | 4,690 |
| Memoranda: | ||
| Average total assets | $478,410,400 | 1,434 |
| Average earning assets | $435,626,800 | 1,440 |
| Average equity | $46,416,200 | 1,468 |
| Average total loans | $403,153,000 | 1,206 |