Home > One Bank of Tennessee > Performance and Condition Ratios
One Bank of Tennessee, 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 | 4.3275% | 3,397 |
| Cost of funding earning assets | 1.3570% | 2,337 |
| Net interest margin | 2.9704% | 3,357 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.2686% | 2,929 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3658% | 1,289 |
| Return on assets (ROA) | 1.3179% | 1,362 |
| Pretax return on assets | 1.3510% | 1,740 |
| Return on Equity (ROE) | 23.5900% | 369 |
| Retained earnings to average equity (ytd only) | 6.2407% | 2,156 |
| Net charge-offs to loans | 0.0453% | 1,434 |
| Credit loss provision to net charge-offs | 62.2010% | 2,136 |
| Earnings coverage of net charge-offs (x) | 50.5311% | 1,289 |
| Efficiency ratio | 60.9270% | 2,984 |
| Assets per employee ($millions) | 7.0964% | 2,016 |
| Cash dividends to net income (ytd only)* | 73.5424% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5009% | 4,333 |
| Loan loss allowance to noncurrent loans | 5,601.1628% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,567 |
| Noncurrent loans to loans | 0.0089% | 3,706 |
| Net loans and leases to total assets | 62.4200% | 2,640 |
| Net loans and leases to deposits | 67.9857% | 3,033 |
| Net loans and leases to core deposits | 74.4620% | 3,051 |
| Total domestic deposits to total assets | 91.8200% | 334 |
| Equity capital to assets | 5.9470% | 4,244 |
| Core capital (leverage) ratio | 7.4808% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3803% | 2,109 |
| Memoranda: | ||
| Average total assets | $1,490,192,800 | 719 |
| Average earning assets | $1,392,214,600 | 707 |
| Average equity | $83,260,400 | 1,099 |
| Average total loans | $921,793,600 | 781 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 3,456 |
| Cost of funding earning assets | 1.2236% | 2,356 |
| Net interest margin | 2.9810% | 3,375 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.3623% | 2,620 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1730% | 1,873 |
| Return on assets (ROA) | 1.1119% | 1,998 |
| Pretax return on assets | 1.2001% | 2,295 |
| Return on Equity (ROE) | 20.2400% | 704 |
| Retained earnings to average equity (ytd only) | 4.9650% | 2,945 |
| Net charge-offs to loans | 0.0358% | 1,379 |
| Credit loss provision to net charge-offs | 293.8776% | 903 |
| Earnings coverage of net charge-offs (x) | 60.2694% | 1,202 |
| Efficiency ratio | 63.3455% | 2,580 |
| Assets per employee ($millions) | 6.6502% | 2,217 |
| Cash dividends to net income (ytd only)* | 75.4660% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 4,316 |
| Loan loss allowance to noncurrent loans | 1,089.8969% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,483 |
| Noncurrent loans to loans | 0.0509% | 3,391 |
| Net loans and leases to total assets | 62.2600% | 2,625 |
| Net loans and leases to deposits | 67.2995% | 3,032 |
| Net loans and leases to core deposits | 72.7225% | 3,068 |
| Total domestic deposits to total assets | 92.5000% | 373 |
| Equity capital to assets | 5.3519% | 4,182 |
| Core capital (leverage) ratio | 7.4091% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3500% | 2,135 |
| Memoranda: | ||
| Average total assets | $1,479,533,750 | 729 |
| Average earning assets | $1,381,958,250 | 711 |
| Average equity | $81,286,250 | 1,116 |
| Average total loans | $911,828,500 | 791 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 3,556 |
| Cost of funding earning assets | 1.0433% | 2,468 |
| Net interest margin | 3.0244% | 3,369 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.3731% | 2,583 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2193% | 1,776 |
| Return on assets (ROA) | 1.1268% | 2,041 |
| Pretax return on assets | 1.2166% | 2,316 |
| Return on Equity (ROE) | 20.3300% | 676 |
| Retained earnings to average equity (ytd only) | 1.5736% | 3,812 |
| Net charge-offs to loans | 0.0419% | 1,092 |
| Credit loss provision to net charge-offs | 255.3191% | 947 |
| Earnings coverage of net charge-offs (x) | 53.8351% | 1,248 |
| Efficiency ratio | 62.5850% | 2,638 |
| Assets per employee ($millions) | 6.5208% | 2,265 |
| Cash dividends to net income (ytd only)* | 92.2583% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5458% | 4,344 |
| Loan loss allowance to noncurrent loans | 4,252.5000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,774 |
| Noncurrent loans to loans | 0.0128% | 3,689 |
| Net loans and leases to total assets | 62.0000% | 2,574 |
| Net loans and leases to deposits | 66.8754% | 3,003 |
| Net loans and leases to core deposits | 73.0446% | 2,957 |
| Total domestic deposits to total assets | 92.7200% | 296 |
| Equity capital to assets | 5.3650% | 4,315 |
| Core capital (leverage) ratio | 7.3689% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1797% | 2,222 |
| Memoranda: | ||
| Average total assets | $1,465,082,667 | 720 |
| Average earning assets | $1,367,526,000 | 703 |
| Average equity | $81,214,000 | 1,109 |
| Average total loans | $897,984,000 | 788 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,702 |
| Cost of funding earning assets | 0.7824% | 2,793 |
| Net interest margin | 3.1025% | 3,341 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.4554% | 2,356 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1800% | 1,993 |
| Return on assets (ROA) | 0.9947% | 2,515 |
| Pretax return on assets | 1.0795% | 2,769 |
| Return on Equity (ROE) | 17.6500% | 1,074 |
| Retained earnings to average equity (ytd only) | 4.7359% | 3,078 |
| Net charge-offs to loans | 0.0455% | 903 |
| Credit loss provision to net charge-offs | 240.0000% | 759 |
| Earnings coverage of net charge-offs (x) | 48.7600% | 1,110 |
| Efficiency ratio | 63.9541% | 2,471 |
| Assets per employee ($millions) | 6.5863% | 2,276 |
| Cash dividends to net income (ytd only)* | 73.1667% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5531% | 4,405 |
| Loan loss allowance to noncurrent loans | 1,972.5100% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,649 |
| Noncurrent loans to loans | 0.0280% | 3,566 |
| Net loans and leases to total assets | 61.1600% | 2,542 |
| Net loans and leases to deposits | 66.2382% | 2,916 |
| Net loans and leases to core deposits | 69.0090% | 3,021 |
| Total domestic deposits to total assets | 92.3300% | 436 |
| Equity capital to assets | 5.7358% | 4,280 |
| Core capital (leverage) ratio | 7.6307% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7183% | 2,083 |
| Memoranda: | ||
| Average total assets | $1,447,733,000 | 734 |
| Average earning assets | $1,351,161,500 | 728 |
| Average equity | $81,589,500 | 1,121 |
| Average total loans | $879,464,000 | 813 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2488% | 3,718 |
| Cost of funding earning assets | 0.2625% | 3,224 |
| Net interest margin | 2.9863% | 3,484 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 2.2931% | 2,759 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4046% | 1,119 |
| Return on assets (ROA) | 1.4046% | 1,078 |
| Pretax return on assets | 1.4565% | 1,590 |
| Return on Equity (ROE) | 24.3100% | 233 |
| Retained earnings to average equity (ytd only) | 7.3155% | 2,098 |
| Net charge-offs to loans | 0.0072% | 2,135 |
| Credit loss provision to net charge-offs | 421.0526% | 756 |
| Earnings coverage of net charge-offs (x) | 378.0000% | 409 |
| Efficiency ratio | 60.2716% | 3,020 |
| Assets per employee ($millions) | 6.4569% | 2,373 |
| Cash dividends to net income (ytd only)* | 69.9017% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 4,394 |
| Loan loss allowance to noncurrent loans | 3,486.2319% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,798 |
| Noncurrent loans to loans | 0.0160% | 3,722 |
| Net loans and leases to total assets | 59.6600% | 2,668 |
| Net loans and leases to deposits | 64.3130% | 3,015 |
| Net loans and leases to core deposits | 66.6188% | 3,088 |
| Total domestic deposits to total assets | 92.7600% | 455 |
| Equity capital to assets | 5.5345% | 4,233 |
| Core capital (leverage) ratio | 7.4772% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9494% | 1,996 |
| Memoranda: | ||
| Average total assets | $1,462,808,000 | 717 |
| Average earning assets | $1,353,751,400 | 709 |
| Average equity | $84,532,400 | 1,085 |
| Average total loans | $796,431,400 | 825 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 3,687 |
| Cost of funding earning assets | 0.1860% | 3,441 |
| Net interest margin | 2.9100% | 3,468 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.2878% | 2,663 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2465% | 1,535 |
| Return on assets (ROA) | 1.2465% | 1,505 |
| Pretax return on assets | 1.3384% | 1,928 |
| Return on Equity (ROE) | 21.3500% | 331 |
| Retained earnings to average equity (ytd only) | 6.3615% | 2,612 |
| Net charge-offs to loans | 0.0067% | 1,912 |
| Credit loss provision to net charge-offs | 1,538.4615% | 298 |
| Earnings coverage of net charge-offs (x) | 393.3846% | 390 |
| Efficiency ratio | 61.5269% | 2,894 |
| Assets per employee ($millions) | 6.6698% | 2,181 |
| Cash dividends to net income (ytd only)* | 70.2018% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 4,376 |
| Loan loss allowance to noncurrent loans | 4,041.2698% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,519 |
| Noncurrent loans to loans | 0.0150% | 3,820 |
| Net loans and leases to total assets | 56.6800% | 2,833 |
| Net loans and leases to deposits | 61.0542% | 3,104 |
| Net loans and leases to core deposits | 63.5596% | 3,152 |
| Total domestic deposits to total assets | 92.8400% | 621 |
| Equity capital to assets | 5.1439% | 4,254 |
| Core capital (leverage) ratio | 7.2130% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2006% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,468,538,500 | 720 |
| Average earning assets | $1,356,214,250 | 711 |
| Average equity | $85,743,000 | 1,086 |
| Average total loans | $779,591,000 | 833 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9053% | 3,764 |
| Cost of funding earning assets | 0.1602% | 3,443 |
| Net interest margin | 2.7451% | 3,588 |
| Noninterest income to average assets | 0.9842% | 695 |
| Noninterest expense to average assets | 2.2644% | 2,656 |
| Loan and lease loss provision to assets | 0.0491% | 1,699 |
| Net operating income to assets | 1.1205% | 1,703 |
| Return on assets (ROA) | 1.1205% | 1,678 |
| Pretax return on assets | 1.2109% | 2,041 |
| Return on Equity (ROE) | 18.4549% | 422 |
| Retained earnings to average equity (ytd only) | 5.2016% | 2,635 |
| Net charge-offs to loans | -0.0119% | 3,640 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5920% | 2,827 |
| Assets per employee ($millions) | 6.3090% | 2,476 |
| Cash dividends to net income (ytd only)* | 71.8145% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 4,453 |
| Loan loss allowance to noncurrent loans | 3,739.3939% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,434 |
| Noncurrent loans to loans | 0.0163% | 3,841 |
| Net loans and leases to total assets | 54.6052% | 2,900 |
| Net loans and leases to deposits | 58.7317% | 3,160 |
| Net loans and leases to core deposits | 61.7766% | 3,133 |
| Total domestic deposits to total assets | 92.9739% | 523 |
| Equity capital to assets | 5.1749% | 4,438 |
| Core capital (leverage) ratio | 7.0394% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1871% | 1,979 |
| Memoranda: | ||
| Average total assets | $1,466,706,333 | 710 |
| Average earning assets | $1,357,164,333 | 709 |
| Average equity | $89,049,667 | 1,061 |
| Average total loans | $759,258,667 | 837 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7256% | 3,892 |
| Cost of funding earning assets | 0.1685% | 3,239 |
| Net interest margin | 2.5571% | 3,768 |
| Noninterest income to average assets | 0.9328% | 793 |
| Noninterest expense to average assets | 2.1949% | 2,851 |
| Loan and lease loss provision to assets | 0.0493% | 1,490 |
| Net operating income to assets | 0.9713% | 1,994 |
| Return on assets (ROA) | 0.9713% | 1,992 |
| Pretax return on assets | 1.0548% | 2,279 |
| Return on Equity (ROE) | 14.8884% | 671 |
| Retained earnings to average equity (ytd only) | 6.5887% | 2,037 |
| Net charge-offs to loans | -0.0600% | 4,319 |
| Credit loss provision to net charge-offs | -163.6364% | 2,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8290% | 2,790 |
| Assets per employee ($millions) | 6.3719% | 2,475 |
| Cash dividends to net income (ytd only)* | 55.7465% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 4,466 |
| Loan loss allowance to noncurrent loans | 2,869.6429% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,478 |
| Noncurrent loans to loans | 0.0225% | 3,831 |
| Net loans and leases to total assets | 49.8320% | 3,192 |
| Net loans and leases to deposits | 54.0938% | 3,412 |
| Net loans and leases to core deposits | 57.0972% | 3,370 |
| Total domestic deposits to total assets | 92.1214% | 529 |
| Equity capital to assets | 6.1600% | 4,549 |
| Core capital (leverage) ratio | 7.0754% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0342% | 1,782 |
| Memoranda: | ||
| Average total assets | $1,461,905,000 | 714 |
| Average earning assets | $1,352,793,000 | 715 |
| Average equity | $95,376,000 | 1,021 |
| Average total loans | $733,349,500 | 850 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2154% | 3,440 |
| Cost of funding earning assets | 0.2506% | 2,926 |
| Net interest margin | 2.9648% | 3,283 |
| Noninterest income to average assets | 0.9337% | 1,131 |
| Noninterest expense to average assets | 2.3661% | 2,595 |
| Loan and lease loss provision to assets | 0.0608% | 1,844 |
| Net operating income to assets | 1.2089% | 1,898 |
| Return on assets (ROA) | 1.2089% | 1,944 |
| Pretax return on assets | 1.2401% | 2,551 |
| Return on Equity (ROE) | 17.0984% | 571 |
| Retained earnings to average equity (ytd only) | 7.7495% | 1,640 |
| Net charge-offs to loans | 0.4356% | 189 |
| Credit loss provision to net charge-offs | 26.5053% | 2,251 |
| Earnings coverage of net charge-offs (x) | 5.6700% | 2,433 |
| Efficiency ratio | 63.8469% | 2,587 |
| Assets per employee ($millions) | 6.4832% | 2,348 |
| Cash dividends to net income (ytd only)* | 54.6768% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6303% | 4,519 |
| Loan loss allowance to noncurrent loans | 1,161.7949% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,295 |
| Noncurrent loans to loans | 0.0543% | 3,690 |
| Net loans and leases to total assets | 49.8567% | 3,296 |
| Net loans and leases to deposits | 54.4322% | 3,564 |
| Net loans and leases to core deposits | 57.4211% | 3,521 |
| Total domestic deposits to total assets | 91.5943% | 286 |
| Equity capital to assets | 6.9030% | 4,735 |
| Core capital (leverage) ratio | 7.1854% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6364% | 1,639 |
| Memoranda: | ||
| Average total assets | $1,368,144,600 | 728 |
| Average earning assets | $1,261,294,400 | 737 |
| Average equity | $96,728,200 | 1,035 |
| Average total loans | $720,639,600 | 859 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 3,141 |
| Cost of funding earning assets | 0.2693% | 2,906 |
| Net interest margin | 3.1161% | 3,013 |
| Noninterest income to average assets | 0.9436% | 1,165 |
| Noninterest expense to average assets | 2.4906% | 2,148 |
| Loan and lease loss provision to assets | 0.1124% | 1,071 |
| Net operating income to assets | 1.1296% | 2,437 |
| Return on assets (ROA) | 1.1296% | 2,498 |
| Pretax return on assets | 1.2125% | 2,888 |
| Return on Equity (ROE) | 15.8775% | 975 |
| Retained earnings to average equity (ytd only) | 5.5877% | 3,002 |
| Net charge-offs to loans | 0.5747% | 135 |
| Credit loss provision to net charge-offs | 36.6795% | 1,934 |
| Earnings coverage of net charge-offs (x) | 4.3227% | 2,275 |
| Efficiency ratio | 64.6162% | 2,296 |
| Assets per employee ($millions) | 6.2523% | 2,451 |
| Cash dividends to net income (ytd only)* | 64.8071% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 4,552 |
| Loan loss allowance to noncurrent loans | 3,401.4286% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,598 |
| Noncurrent loans to loans | 0.0196% | 4,052 |
| Net loans and leases to total assets | 50.3825% | 3,363 |
| Net loans and leases to deposits | 55.0786% | 3,647 |
| Net loans and leases to core deposits | 58.0805% | 3,625 |
| Total domestic deposits to total assets | 91.4740% | 240 |
| Equity capital to assets | 6.8921% | 4,829 |
| Core capital (leverage) ratio | 7.0258% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4989% | 1,795 |
| Memoranda: | ||
| Average total assets | $1,351,986,500 | 745 |
| Average earning assets | $1,246,073,500 | 754 |
| Average equity | $96,184,250 | 1,057 |
| Average total loans | $721,082,750 | 870 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 2,316 |
| Cost of funding earning assets | 0.2959% | 2,815 |
| Net interest margin | 3.4083% | 2,117 |
| Noninterest income to average assets | 0.8802% | 1,324 |
| Noninterest expense to average assets | 2.5512% | 1,994 |
| Loan and lease loss provision to assets | 0.0540% | 1,958 |
| Net operating income to assets | 1.3084% | 1,841 |
| Return on assets (ROA) | 1.3084% | 1,914 |
| Pretax return on assets | 1.4087% | 2,309 |
| Return on Equity (ROE) | 18.1909% | 626 |
| Retained earnings to average equity (ytd only) | 6.2464% | 2,709 |
| Net charge-offs to loans | 0.8372% | 95 |
| Credit loss provision to net charge-offs | 11.8851% | 1,770 |
| Earnings coverage of net charge-offs (x) | 3.2202% | 2,084 |
| Efficiency ratio | 62.9245% | 2,590 |
| Assets per employee ($millions) | 6.1977% | 2,431 |
| Cash dividends to net income (ytd only)* | 65.6619% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 4,699 |
| Loan loss allowance to noncurrent loans | 2,361.0465% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 2,258 |
| Noncurrent loans to loans | 0.0235% | 4,101 |
| Net loans and leases to total assets | 52.8426% | 3,270 |
| Net loans and leases to deposits | 57.8935% | 3,555 |
| Net loans and leases to core deposits | 61.3792% | 3,517 |
| Total domestic deposits to total assets | 91.2755% | 289 |
| Equity capital to assets | 7.0406% | 4,838 |
| Core capital (leverage) ratio | 7.0753% | 4,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0047% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,333,728,333 | 751 |
| Average earning assets | $1,226,256,000 | 763 |
| Average equity | $95,927,000 | 1,056 |
| Average total loans | $723,602,333 | 872 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 1,775 |
| Cost of funding earning assets | 0.3388% | 2,637 |
| Net interest margin | 3.5846% | 1,626 |
| Noninterest income to average assets | 0.8938% | 1,342 |
| Noninterest expense to average assets | 2.5923% | 1,904 |
| Loan and lease loss provision to assets | 0.0549% | 2,011 |
| Net operating income to assets | 1.4310% | 1,494 |
| Return on assets (ROA) | 1.4310% | 1,566 |
| Pretax return on assets | 1.5419% | 1,879 |
| Return on Equity (ROE) | 19.6783% | 557 |
| Retained earnings to average equity (ytd only) | 8.5401% | 2,081 |
| Net charge-offs to loans | 1.6937% | 43 |
| Credit loss provision to net charge-offs | 5.9055% | 1,461 |
| Earnings coverage of net charge-offs (x) | 1.7192% | 1,836 |
| Efficiency ratio | 61.2643% | 2,870 |
| Assets per employee ($millions) | 5.9242% | 2,671 |
| Cash dividends to net income (ytd only)* | 56.6014% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5326% | 4,748 |
| Loan loss allowance to noncurrent loans | 881.7352% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 2,198 |
| Noncurrent loans to loans | 0.0604% | 3,985 |
| Net loans and leases to total assets | 53.1619% | 3,326 |
| Net loans and leases to deposits | 58.2523% | 3,626 |
| Net loans and leases to core deposits | 61.7852% | 3,589 |
| Total domestic deposits to total assets | 91.2614% | 307 |
| Equity capital to assets | 7.1135% | 4,818 |
| Core capital (leverage) ratio | 7.4304% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9301% | 2,314 |
| Memoranda: | ||
| Average total assets | $1,312,651,000 | 760 |
| Average earning assets | $1,206,702,500 | 763 |
| Average equity | $95,455,500 | 1,047 |
| Average total loans | $719,847,000 | 875 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,158 |
| Cost of funding earning assets | 0.6365% | 2,077 |
| Net interest margin | 3.2150% | 3,317 |
| Noninterest income to average assets | 0.8696% | 1,350 |
| Noninterest expense to average assets | 2.6632% | 2,347 |
| Loan and lease loss provision to assets | 0.1652% | 2,311 |
| Net operating income to assets | 0.9770% | 2,368 |
| Return on assets (ROA) | 0.9770% | 2,518 |
| Pretax return on assets | 0.9881% | 3,078 |
| Return on Equity (ROE) | 12.3163% | 1,229 |
| Retained earnings to average equity (ytd only) | 2.7499% | 3,485 |
| Net charge-offs to loans | 0.0820% | 1,654 |
| Credit loss provision to net charge-offs | 345.6790% | 1,592 |
| Earnings coverage of net charge-offs (x) | 24.1323% | 1,784 |
| Efficiency ratio | 69.0298% | 2,091 |
| Assets per employee ($millions) | 5.3756% | 2,983 |
| Cash dividends to net income (ytd only)* | 77.6723% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,066 |
| Loan loss allowance to noncurrent loans | 87.4708% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 1,608 |
| Noncurrent loans to loans | 1.0767% | 1,321 |
| Net loans and leases to total assets | 55.7979% | 3,319 |
| Net loans and leases to deposits | 61.4443% | 3,645 |
| Net loans and leases to core deposits | 65.3728% | 3,593 |
| Total domestic deposits to total assets | 90.8106% | 275 |
| Equity capital to assets | 7.4415% | 4,849 |
| Core capital (leverage) ratio | 7.3903% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3615% | 1,724 |
| Memoranda: | ||
| Average total assets | $1,186,388,800 | 757 |
| Average earning assets | $1,087,450,200 | 757 |
| Average equity | $94,111,400 | 1,016 |
| Average total loans | $691,358,600 | 877 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,143 |
| Cost of funding earning assets | 0.7050% | 1,999 |
| Net interest margin | 3.2351% | 3,380 |
| Noninterest income to average assets | 0.8741% | 1,300 |
| Noninterest expense to average assets | 2.7433% | 2,136 |
| Loan and lease loss provision to assets | 0.1293% | 2,732 |
| Net operating income to assets | 0.8977% | 2,719 |
| Return on assets (ROA) | 0.8977% | 2,831 |
| Pretax return on assets | 0.9649% | 3,179 |
| Return on Equity (ROE) | 11.1286% | 1,634 |
| Retained earnings to average equity (ytd only) | 3.1845% | 3,439 |
| Net charge-offs to loans | 0.0753% | 1,558 |
| Credit loss provision to net charge-offs | 291.9897% | 1,792 |
| Earnings coverage of net charge-offs (x) | 24.7209% | 1,747 |
| Efficiency ratio | 70.7278% | 1,784 |
| Assets per employee ($millions) | 5.3367% | 2,853 |
| Cash dividends to net income (ytd only)* | 71.3849% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 4,340 |
| Loan loss allowance to noncurrent loans | 466.6403% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 3,791 |
| Noncurrent loans to loans | 0.1738% | 3,688 |
| Net loans and leases to total assets | 57.0786% | 3,514 |
| Net loans and leases to deposits | 63.1412% | 3,853 |
| Net loans and leases to core deposits | 67.3135% | 3,804 |
| Total domestic deposits to total assets | 90.3984% | 309 |
| Equity capital to assets | 7.8009% | 4,780 |
| Core capital (leverage) ratio | 7.3752% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1492% | 1,779 |
| Memoranda: | ||
| Average total assets | $1,165,823,750 | 760 |
| Average earning assets | $1,067,898,500 | 756 |
| Average equity | $94,037,750 | 1,003 |
| Average total loans | $685,545,750 | 879 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,691 |
| Cost of funding earning assets | 0.7562% | 2,074 |
| Net interest margin | 3.4643% | 2,906 |
| Noninterest income to average assets | 0.8859% | 1,204 |
| Noninterest expense to average assets | 2.8320% | 2,015 |
| Loan and lease loss provision to assets | 0.1677% | 2,328 |
| Net operating income to assets | 0.9783% | 2,402 |
| Return on assets (ROA) | 0.9783% | 2,532 |
| Pretax return on assets | 1.0517% | 2,867 |
| Return on Equity (ROE) | 11.9812% | 1,338 |
| Retained earnings to average equity (ytd only) | 3.0185% | 3,380 |
| Net charge-offs to loans | 0.0676% | 1,571 |
| Credit loss provision to net charge-offs | 418.5022% | 1,371 |
| Earnings coverage of net charge-offs (x) | 30.4273% | 1,423 |
| Efficiency ratio | 69.1607% | 2,064 |
| Assets per employee ($millions) | 5.0097% | 3,161 |
| Cash dividends to net income (ytd only)* | 74.8060% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,332 |
| Loan loss allowance to noncurrent loans | 422.8656% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,837 |
| Noncurrent loans to loans | 0.1903% | 3,697 |
| Net loans and leases to total assets | 56.9683% | 3,609 |
| Net loans and leases to deposits | 62.8964% | 3,958 |
| Net loans and leases to core deposits | 67.6683% | 3,879 |
| Total domestic deposits to total assets | 90.5749% | 258 |
| Equity capital to assets | 7.6121% | 4,854 |
| Core capital (leverage) ratio | 7.3422% | 4,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6960% | 1,929 |
| Memoranda: | ||
| Average total assets | $1,132,829,000 | 768 |
| Average earning assets | $1,035,143,000 | 763 |
| Average equity | $92,495,000 | 1,012 |
| Average total loans | $671,448,333 | 881 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 3,806 |
| Cost of funding earning assets | 0.7947% | 2,425 |
| Net interest margin | 3.1969% | 3,861 |
| Noninterest income to average assets | 1.0433% | 781 |
| Noninterest expense to average assets | 2.9324% | 2,045 |
| Loan and lease loss provision to assets | 0.0997% | 2,437 |
| Net operating income to assets | 0.8535% | 2,693 |
| Return on assets (ROA) | 0.8535% | 2,792 |
| Pretax return on assets | 0.9204% | 3,081 |
| Return on Equity (ROE) | 10.0656% | 1,726 |
| Retained earnings to average equity (ytd only) | 2.5262% | 3,258 |
| Net charge-offs to loans | 0.0722% | 1,308 |
| Credit loss provision to net charge-offs | 228.8136% | 1,341 |
| Earnings coverage of net charge-offs (x) | 23.4068% | 1,330 |
| Efficiency ratio | 73.3975% | 1,892 |
| Assets per employee ($millions) | 4.5331% | 3,215 |
| Cash dividends to net income (ytd only)* | 74.9026% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 4,450 |
| Loan loss allowance to noncurrent loans | 544.0552% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 3,993 |
| Noncurrent loans to loans | 0.1442% | 3,944 |
| Net loans and leases to total assets | 58.6177% | 3,627 |
| Net loans and leases to deposits | 65.2310% | 3,912 |
| Net loans and leases to core deposits | 70.8422% | 3,822 |
| Total domestic deposits to total assets | 89.8617% | 367 |
| Equity capital to assets | 8.4394% | 4,859 |
| Core capital (leverage) ratio | 8.0284% | 4,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5293% | 2,066 |
| Memoranda: | ||
| Average total assets | $1,083,056,500 | 770 |
| Average earning assets | $985,575,000 | 768 |
| Average equity | $91,838,000 | 1,017 |
| Average total loans | $653,293,000 | 882 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 3,864 |
| Cost of funding earning assets | 0.7584% | 2,876 |
| Net interest margin | 3.4178% | 3,691 |
| Noninterest income to average assets | 1.0783% | 817 |
| Noninterest expense to average assets | 2.7784% | 2,672 |
| Loan and lease loss provision to assets | 0.1666% | 1,253 |
| Net operating income to assets | 1.2286% | 1,952 |
| Return on assets (ROA) | 1.2295% | 2,037 |
| Pretax return on assets | 1.2481% | 2,674 |
| Return on Equity (ROE) | 14.5356% | 789 |
| Retained earnings to average equity (ytd only) | 3.9299% | 3,000 |
| Net charge-offs to loans | 0.0910% | 1,821 |
| Credit loss provision to net charge-offs | 302.8169% | 916 |
| Earnings coverage of net charge-offs (x) | 25.6989% | 1,724 |
| Efficiency ratio | 65.6332% | 2,826 |
| Assets per employee ($millions) | 4.4539% | 3,296 |
| Cash dividends to net income (ytd only)* | 72.9636% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 4,527 |
| Loan loss allowance to noncurrent loans | 564.7551% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,865 |
| Noncurrent loans to loans | 0.1282% | 4,007 |
| Net loans and leases to total assets | 61.1655% | 3,484 |
| Net loans and leases to deposits | 67.8739% | 3,828 |
| Net loans and leases to core deposits | 73.3230% | 3,773 |
| Total domestic deposits to total assets | 90.1165% | 291 |
| Equity capital to assets | 8.5214% | 4,905 |
| Core capital (leverage) ratio | 8.1148% | 5,003 |
| Tier 1 risk-based capital ratio | 13.7986% | 3,366 |
| Total risk-based capital ratio | 14.5589% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,032,459,400 | 760 |
| Average earning assets | $940,667,200 | 760 |
| Average equity | $87,330,400 | 1,010 |
| Average total loans | $624,128,200 | 882 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 4,526 |
| Cost of funding earning assets | 0.7190% | 3,115 |
| Net interest margin | 3.1896% | 4,321 |
| Noninterest income to average assets | 1.0866% | 776 |
| Noninterest expense to average assets | 2.6440% | 3,031 |
| Loan and lease loss provision to assets | 0.1758% | 1,047 |
| Net operating income to assets | 1.1231% | 2,482 |
| Return on assets (ROA) | 1.1244% | 2,568 |
| Pretax return on assets | 1.2098% | 2,954 |
| Return on Equity (ROE) | 14.8322% | 814 |
| Retained earnings to average equity (ytd only) | 3.7391% | 3,528 |
| Net charge-offs to loans | 0.0555% | 2,040 |
| Credit loss provision to net charge-offs | 530.8057% | 600 |
| Earnings coverage of net charge-offs (x) | 41.7956% | 1,331 |
| Efficiency ratio | 65.3731% | 2,807 |
| Assets per employee ($millions) | 3.7799% | 4,184 |
| Cash dividends to net income (ytd only)* | 74.7906% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,205 |
| Loan loss allowance to noncurrent loans | 1,685.7143% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 4,550 |
| Noncurrent loans to loans | 0.0509% | 4,418 |
| Net loans and leases to total assets | 59.6051% | 3,709 |
| Net loans and leases to deposits | 65.6617% | 4,088 |
| Net loans and leases to core deposits | 70.6931% | 4,019 |
| Total domestic deposits to total assets | 90.7761% | 126 |
| Equity capital to assets | 7.6429% | 5,181 |
| Core capital (leverage) ratio | 7.6571% | 5,171 |
| Tier 1 risk-based capital ratio | 12.9948% | 3,851 |
| Total risk-based capital ratio | 13.8736% | 3,946 |
| Memoranda: | ||
| Average total assets | $849,508,000 | 925 |
| Average earning assets | $783,446,750 | 924 |
| Average equity | $64,398,750 | 1,305 |
| Average total loans | $507,255,500 | 1,064 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 4,588 |
| Cost of funding earning assets | 0.6883% | 3,231 |
| Net interest margin | 3.1922% | 4,384 |
| Noninterest income to average assets | 1.0791% | 731 |
| Noninterest expense to average assets | 2.6388% | 3,088 |
| Loan and lease loss provision to assets | 0.1898% | 930 |
| Net operating income to assets | 1.1128% | 2,472 |
| Return on assets (ROA) | 1.1147% | 2,540 |
| Pretax return on assets | 1.1997% | 2,902 |
| Return on Equity (ROE) | 14.7465% | 809 |
| Retained earnings to average equity (ytd only) | 3.5532% | 3,466 |
| Net charge-offs to loans | 0.0601% | 1,787 |
| Credit loss provision to net charge-offs | 529.8013% | 575 |
| Earnings coverage of net charge-offs (x) | 38.7219% | 1,268 |
| Efficiency ratio | 65.2758% | 2,927 |
| Assets per employee ($millions) | 4.6763% | 2,909 |
| Cash dividends to net income (ytd only)* | 75.9046% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,346 |
| Loan loss allowance to noncurrent loans | 422,400.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,805 |
| Noncurrent loans to loans | 0.0002% | 4,744 |
| Net loans and leases to total assets | 59.0038% | 3,824 |
| Net loans and leases to deposits | 64.8606% | 4,174 |
| Net loans and leases to core deposits | 69.7026% | 4,124 |
| Total domestic deposits to total assets | 90.9703% | 109 |
| Equity capital to assets | 7.6346% | 5,224 |
| Core capital (leverage) ratio | 7.6612% | 5,217 |
| Tier 1 risk-based capital ratio | 13.0517% | 3,812 |
| Total risk-based capital ratio | 13.8920% | 3,941 |
| Memoranda: | ||
| Average total assets | $842,887,330 | 928 |
| Average earning assets | $778,140,330 | 926 |
| Average equity | $63,716,670 | 1,310 |
| Average total loans | $502,116,330 | 1,074 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 4,655 |
| Cost of funding earning assets | 0.6462% | 3,337 |
| Net interest margin | 3.1872% | 4,412 |
| Noninterest income to average assets | 1.0732% | 693 |
| Noninterest expense to average assets | 2.6529% | 3,050 |
| Loan and lease loss provision to assets | 0.1678% | 1,001 |
| Net operating income to assets | 1.1172% | 2,402 |
| Return on assets (ROA) | 1.1212% | 2,437 |
| Pretax return on assets | 1.2085% | 2,774 |
| Return on Equity (ROE) | 14.9086% | 763 |
| Retained earnings to average equity (ytd only) | 3.4753% | 3,524 |
| Net charge-offs to loans | 0.0780% | 1,297 |
| Credit loss provision to net charge-offs | 360.8247% | 744 |
| Earnings coverage of net charge-offs (x) | 29.4948% | 1,345 |
| Efficiency ratio | 65.6499% | 2,987 |
| Assets per employee ($millions) | 4.7476% | 2,852 |
| Cash dividends to net income (ytd only)* | 76.6895% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,633 |
| Loan loss allowance to noncurrent loans | 737.5723% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,497 |
| Noncurrent loans to loans | 0.1030% | 4,274 |
| Net loans and leases to total assets | 59.1513% | 3,775 |
| Net loans and leases to deposits | 64.8983% | 4,131 |
| Net loans and leases to core deposits | 69.5297% | 4,101 |
| Total domestic deposits to total assets | 91.1446% | 146 |
| Equity capital to assets | 7.5127% | 5,267 |
| Core capital (leverage) ratio | 7.8238% | 5,244 |
| Tier 1 risk-based capital ratio | 13.0462% | 3,856 |
| Total risk-based capital ratio | 13.8146% | 4,004 |
| Memoranda: | ||
| Average total assets | $834,108,000 | 940 |
| Average earning assets | $772,463,500 | 933 |
| Average equity | $62,729,000 | 1,323 |
| Average total loans | $497,214,500 | 1,087 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 4,680 |
| Cost of funding earning assets | 0.4475% | 3,697 |
| Net interest margin | 3.2444% | 4,403 |
| Noninterest income to average assets | 1.0534% | 852 |
| Noninterest expense to average assets | 2.5637% | 3,428 |
| Loan and lease loss provision to assets | 0.1305% | 1,683 |
| Net operating income to assets | 1.3837% | 1,486 |
| Return on assets (ROA) | 1.3837% | 1,478 |
| Pretax return on assets | 1.3957% | 2,152 |
| Return on Equity (ROE) | 18.5947% | 334 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,394 |
| Net charge-offs to loans | 0.0882% | 1,897 |
| Credit loss provision to net charge-offs | 258.0247% | 1,159 |
| Earnings coverage of net charge-offs (x) | 30.1679% | 1,595 |
| Efficiency ratio | 62.4091% | 3,452 |
| Assets per employee ($millions) | 3.9574% | 3,950 |
| Cash dividends to net income (ytd only)* | 69.6849% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 4,738 |
| Loan loss allowance to noncurrent loans | 998.6034% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 4,613 |
| Noncurrent loans to loans | 0.0730% | 4,424 |
| Net loans and leases to total assets | 59.1823% | 3,847 |
| Net loans and leases to deposits | 64.8144% | 4,204 |
| Net loans and leases to core deposits | 69.2776% | 4,148 |
| Total domestic deposits to total assets | 91.3104% | 147 |
| Equity capital to assets | 7.5285% | 5,277 |
| Core capital (leverage) ratio | 7.9175% | 5,264 |
| Tier 1 risk-based capital ratio | 13.6298% | 3,471 |
| Total risk-based capital ratio | 14.3861% | 3,653 |
| Memoranda: | ||
| Average total assets | $800,548,800 | 949 |
| Average earning assets | $749,258,400 | 935 |
| Average equity | $59,570,800 | 1,329 |
| Average total loans | $459,166,200 | 1,132 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 4,750 |
| Cost of funding earning assets | 0.4095% | 3,793 |
| Net interest margin | 3.2227% | 4,472 |
| Noninterest income to average assets | 1.0426% | 875 |
| Noninterest expense to average assets | 2.5977% | 3,283 |
| Loan and lease loss provision to assets | 0.1979% | 885 |
| Net operating income to assets | 1.1817% | 2,311 |
| Return on assets (ROA) | 1.1817% | 2,318 |
| Pretax return on assets | 1.2736% | 2,710 |
| Return on Equity (ROE) | 15.9283% | 706 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,751 |
| Net charge-offs to loans | 0.0934% | 1,566 |
| Credit loss provision to net charge-offs | 373.4177% | 860 |
| Earnings coverage of net charge-offs (x) | 27.7628% | 1,696 |
| Efficiency ratio | 63.5573% | 3,261 |
| Assets per employee ($millions) | 4.1455% | 3,665 |
| Cash dividends to net income (ytd only)* | 74.6629% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 4,595 |
| Loan loss allowance to noncurrent loans | 368.4772% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 4,298 |
| Noncurrent loans to loans | 0.2186% | 3,925 |
| Net loans and leases to total assets | 58.1636% | 4,023 |
| Net loans and leases to deposits | 63.7873% | 4,343 |
| Net loans and leases to core deposits | 67.2554% | 4,335 |
| Total domestic deposits to total assets | 91.1836% | 182 |
| Equity capital to assets | 7.3763% | 5,332 |
| Core capital (leverage) ratio | 7.8637% | 5,347 |
| Tier 1 risk-based capital ratio | 14.0124% | 3,366 |
| Total risk-based capital ratio | 14.8596% | 3,474 |
| Memoranda: | ||
| Average total assets | $794,900,500 | 954 |
| Average earning assets | $746,516,750 | 938 |
| Average equity | $58,971,000 | 1,343 |
| Average total loans | $451,275,500 | 1,146 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,816 |
| Cost of funding earning assets | 0.3851% | 3,836 |
| Net interest margin | 3.1839% | 4,544 |
| Noninterest income to average assets | 1.0664% | 851 |
| Noninterest expense to average assets | 2.5658% | 3,430 |
| Loan and lease loss provision to assets | 0.2122% | 788 |
| Net operating income to assets | 1.1884% | 2,246 |
| Return on assets (ROA) | 1.1884% | 2,244 |
| Pretax return on assets | 1.2832% | 2,584 |
| Return on Equity (ROE) | 15.9887% | 676 |
| Retained earnings to average equity (ytd only) | 4.0575% | 3,582 |
| Net charge-offs to loans | 0.0976% | 1,376 |
| Credit loss provision to net charge-offs | 387.0968% | 846 |
| Earnings coverage of net charge-offs (x) | 27.2811% | 1,580 |
| Efficiency ratio | 62.8996% | 3,502 |
| Assets per employee ($millions) | 4.2957% | 3,429 |
| Cash dividends to net income (ytd only)* | 74.6227% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,752 |
| Loan loss allowance to noncurrent loans | 406.6286% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 4,431 |
| Noncurrent loans to loans | 0.1917% | 4,044 |
| Net loans and leases to total assets | 56.6826% | 4,106 |
| Net loans and leases to deposits | 62.0284% | 4,417 |
| Net loans and leases to core deposits | 65.0334% | 4,427 |
| Total domestic deposits to total assets | 91.3818% | 175 |
| Equity capital to assets | 7.3647% | 5,406 |
| Core capital (leverage) ratio | 7.8436% | 5,387 |
| Tier 1 risk-based capital ratio | 14.6978% | 3,021 |
| Total risk-based capital ratio | 15.5383% | 3,134 |
| Memoranda: | ||
| Average total assets | $791,794,000 | 957 |
| Average earning assets | $744,737,330 | 945 |
| Average equity | $58,854,000 | 1,347 |
| Average total loans | $444,513,330 | 1,156 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5216% | 4,841 |
| Cost of funding earning assets | 0.3781% | 3,750 |
| Net interest margin | 3.1435% | 4,613 |
| Noninterest income to average assets | 1.0794% | 787 |
| Noninterest expense to average assets | 2.5517% | 3,489 |
| Loan and lease loss provision to assets | 0.2131% | 754 |
| Net operating income to assets | 1.1830% | 2,082 |
| Return on assets (ROA) | 1.1830% | 2,091 |
| Pretax return on assets | 1.2763% | 2,451 |
| Return on Equity (ROE) | 15.8412% | 654 |
| Retained earnings to average equity (ytd only) | 4.2678% | 3,479 |
| Net charge-offs to loans | 0.0593% | 1,509 |
| Credit loss provision to net charge-offs | 646.1538% | 493 |
| Earnings coverage of net charge-offs (x) | 45.1538% | 994 |
| Efficiency ratio | 62.8532% | 3,659 |
| Assets per employee ($millions) | 4.6600% | 2,914 |
| Cash dividends to net income (ytd only)* | 73.0588% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,936 |
| Loan loss allowance to noncurrent loans | 1,285.1563% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,826 |
| Noncurrent loans to loans | 0.0577% | 4,715 |
| Net loans and leases to total assets | 55.2556% | 4,184 |
| Net loans and leases to deposits | 60.4894% | 4,438 |
| Net loans and leases to core deposits | 63.6174% | 4,447 |
| Total domestic deposits to total assets | 91.3476% | 219 |
| Equity capital to assets | 7.3682% | 5,458 |
| Core capital (leverage) ratio | 7.8687% | 5,426 |
| Tier 1 risk-based capital ratio | 14.9903% | 2,867 |
| Total risk-based capital ratio | 15.7905% | 3,004 |
| Memoranda: | ||
| Average total assets | $788,193,000 | 971 |
| Average earning assets | $742,614,000 | 958 |
| Average equity | $58,859,000 | 1,354 |
| Average total loans | $438,545,000 | 1,172 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 5,001 |
| Cost of funding earning assets | 0.3544% | 3,669 |
| Net interest margin | 3.0028% | 4,877 |
| Noninterest income to average assets | 1.0655% | 896 |
| Noninterest expense to average assets | 2.5641% | 3,565 |
| Loan and lease loss provision to assets | 0.1768% | 1,223 |
| Net operating income to assets | 1.0780% | 1,949 |
| Return on assets (ROA) | 1.0780% | 1,967 |
| Pretax return on assets | 1.1500% | 2,982 |
| Return on Equity (ROE) | 14.3922% | 703 |
| Retained earnings to average equity (ytd only) | 4.0269% | 2,775 |
| Net charge-offs to loans | 0.2667% | 975 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 9.3806% | 2,793 |
| Efficiency ratio | 65.9004% | 3,291 |
| Assets per employee ($millions) | 4.4445% | 3,283 |
| Cash dividends to net income (ytd only)* | 72.0204% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 5,108 |
| Loan loss allowance to noncurrent loans | 836.1823% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 4,788 |
| Noncurrent loans to loans | 0.0810% | 4,636 |
| Net loans and leases to total assets | 55.3564% | 4,244 |
| Net loans and leases to deposits | 60.6231% | 4,524 |
| Net loans and leases to core deposits | 63.6402% | 4,554 |
| Total domestic deposits to total assets | 91.3124% | 173 |
| Equity capital to assets | 7.4427% | 5,548 |
| Core capital (leverage) ratio | 7.6924% | 5,521 |
| Tier 1 risk-based capital ratio | 14.7522% | 2,959 |
| Total risk-based capital ratio | 15.4739% | 3,132 |
| Memoranda: | ||
| Average total assets | $763,571,200 | 970 |
| Average earning assets | $718,469,800 | 955 |
| Average equity | $57,190,600 | 1,378 |
| Average total loans | $404,949,000 | 1,220 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,084 |
| Cost of funding earning assets | 0.3471% | 3,700 |
| Net interest margin | 2.9733% | 4,977 |
| Noninterest income to average assets | 0.9980% | 1,029 |
| Noninterest expense to average assets | 2.5879% | 3,444 |
| Loan and lease loss provision to assets | 0.1632% | 1,248 |
| Net operating income to assets | 0.9689% | 2,697 |
| Return on assets (ROA) | 0.9689% | 2,751 |
| Pretax return on assets | 1.0419% | 3,519 |
| Return on Equity (ROE) | 12.9153% | 1,079 |
| Retained earnings to average equity (ytd only) | 3.3627% | 3,927 |
| Net charge-offs to loans | 0.1783% | 1,184 |
| Credit loss provision to net charge-offs | 174.8120% | 1,502 |
| Earnings coverage of net charge-offs (x) | 12.9116% | 2,391 |
| Efficiency ratio | 68.2300% | 2,837 |
| Assets per employee ($millions) | 4.4087% | 3,300 |
| Cash dividends to net income (ytd only)* | 73.9634% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 5,078 |
| Loan loss allowance to noncurrent loans | 836.8852% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,957 |
| Noncurrent loans to loans | 0.0870% | 4,722 |
| Net loans and leases to total assets | 54.1474% | 4,403 |
| Net loans and leases to deposits | 59.4569% | 4,663 |
| Net loans and leases to core deposits | 62.3804% | 4,692 |
| Total domestic deposits to total assets | 91.0701% | 173 |
| Equity capital to assets | 7.5237% | 5,613 |
| Core capital (leverage) ratio | 7.7764% | 5,576 |
| Tier 1 risk-based capital ratio | 15.2898% | 2,798 |
| Total risk-based capital ratio | 16.0749% | 2,933 |
| Memoranda: | ||
| Average total assets | $760,017,500 | 978 |
| Average earning assets | $714,436,000 | 965 |
| Average equity | $57,016,250 | 1,392 |
| Average total loans | $397,814,000 | 1,246 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,142 |
| Cost of funding earning assets | 0.3387% | 3,706 |
| Net interest margin | 2.9343% | 5,034 |
| Noninterest income to average assets | 1.0119% | 995 |
| Noninterest expense to average assets | 2.6062% | 3,416 |
| Loan and lease loss provision to assets | 0.1481% | 1,371 |
| Net operating income to assets | 0.9471% | 2,677 |
| Return on assets (ROA) | 0.9471% | 2,735 |
| Pretax return on assets | 1.0185% | 3,491 |
| Return on Equity (ROE) | 12.6375% | 1,131 |
| Retained earnings to average equity (ytd only) | 3.2150% | 3,802 |
| Net charge-offs to loans | 0.2256% | 905 |
| Credit loss provision to net charge-offs | 127.2727% | 1,706 |
| Earnings coverage of net charge-offs (x) | 10.0250% | 2,378 |
| Efficiency ratio | 69.0782% | 2,835 |
| Assets per employee ($millions) | 4.3809% | 3,296 |
| Cash dividends to net income (ytd only)* | 74.5602% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 5,222 |
| Loan loss allowance to noncurrent loans | 4,219.6970% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,117 |
| Noncurrent loans to loans | 0.0165% | 5,107 |
| Net loans and leases to total assets | 52.1143% | 4,559 |
| Net loans and leases to deposits | 57.1090% | 4,796 |
| Net loans and leases to core deposits | 59.9204% | 4,826 |
| Total domestic deposits to total assets | 91.2543% | 164 |
| Equity capital to assets | 7.5016% | 5,655 |
| Core capital (leverage) ratio | 7.7449% | 5,600 |
| Tier 1 risk-based capital ratio | 15.9595% | 2,520 |
| Total risk-based capital ratio | 16.7112% | 2,656 |
| Memoranda: | ||
| Average total assets | $756,182,330 | 986 |
| Average earning assets | $711,514,000 | 973 |
| Average equity | $56,672,670 | 1,394 |
| Average total loans | $390,144,330 | 1,271 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2272% | 5,203 |
| Cost of funding earning assets | 0.3264% | 3,787 |
| Net interest margin | 2.9008% | 5,084 |
| Noninterest income to average assets | 1.0059% | 994 |
| Noninterest expense to average assets | 2.6136% | 3,445 |
| Loan and lease loss provision to assets | 0.1540% | 1,189 |
| Net operating income to assets | 0.9002% | 2,763 |
| Return on assets (ROA) | 0.9002% | 2,817 |
| Pretax return on assets | 0.9666% | 3,508 |
| Return on Equity (ROE) | 12.0174% | 1,233 |
| Retained earnings to average equity (ytd only) | 2.9636% | 3,930 |
| Net charge-offs to loans | 0.1568% | 1,030 |
| Credit loss provision to net charge-offs | 192.0530% | 1,036 |
| Earnings coverage of net charge-offs (x) | 13.9735% | 1,749 |
| Efficiency ratio | 69.9900% | 2,894 |
| Assets per employee ($millions) | 4.4645% | 3,225 |
| Cash dividends to net income (ytd only)* | 75.3392% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 5,253 |
| Loan loss allowance to noncurrent loans | 5,290.5660% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,225 |
| Noncurrent loans to loans | 0.0137% | 5,185 |
| Net loans and leases to total assets | 50.3177% | 4,650 |
| Net loans and leases to deposits | 55.1444% | 4,868 |
| Net loans and leases to core deposits | 57.8906% | 4,884 |
| Total domestic deposits to total assets | 91.2472% | 227 |
| Equity capital to assets | 7.4229% | 5,695 |
| Core capital (leverage) ratio | 7.8135% | 5,625 |
| Tier 1 risk-based capital ratio | 16.2653% | 2,450 |
| Total risk-based capital ratio | 17.0432% | 2,573 |
| Memoranda: | ||
| Average total assets | $753,139,500 | 989 |
| Average earning assets | $708,360,000 | 974 |
| Average equity | $56,418,000 | 1,392 |
| Average total loans | $385,198,500 | 1,291 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1718% | 5,338 |
| Cost of funding earning assets | 0.3289% | 3,762 |
| Net interest margin | 2.8429% | 5,215 |
| Noninterest income to average assets | 1.0244% | 1,080 |
| Noninterest expense to average assets | 2.5782% | 3,748 |
| Loan and lease loss provision to assets | 0.0876% | 2,611 |
| Net operating income to assets | 0.9774% | 2,450 |
| Return on assets (ROA) | 0.9774% | 2,559 |
| Pretax return on assets | 1.0350% | 3,345 |
| Return on Equity (ROE) | 12.7804% | 1,047 |
| Retained earnings to average equity (ytd only) | 3.6019% | 3,361 |
| Net charge-offs to loans | 0.1808% | 1,532 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 12.8125% | 2,417 |
| Efficiency ratio | 69.6645% | 2,966 |
| Assets per employee ($millions) | 4.7016% | 2,783 |
| Cash dividends to net income (ytd only)* | 71.8168% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 5,369 |
| Loan loss allowance to noncurrent loans | 427.0833% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 4,953 |
| Noncurrent loans to loans | 0.1627% | 4,581 |
| Net loans and leases to total assets | 51.2604% | 4,669 |
| Net loans and leases to deposits | 56.1187% | 4,908 |
| Net loans and leases to core deposits | 58.9033% | 4,912 |
| Total domestic deposits to total assets | 91.3429% | 199 |
| Equity capital to assets | 7.5611% | 5,702 |
| Core capital (leverage) ratio | 7.7993% | 5,685 |
| Tier 1 risk-based capital ratio | 16.4055% | 2,384 |
| Total risk-based capital ratio | 17.1565% | 2,520 |
| Memoranda: | ||
| Average total assets | $730,402,400 | 985 |
| Average earning assets | $687,646,600 | 969 |
| Average equity | $55,859,000 | 1,375 |
| Average total loans | $353,892,000 | 1,326 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 5,434 |
| Cost of funding earning assets | 0.3277% | 3,801 |
| Net interest margin | 2.8125% | 5,339 |
| Noninterest income to average assets | 1.0380% | 1,054 |
| Noninterest expense to average assets | 2.6184% | 3,600 |
| Loan and lease loss provision to assets | 0.0871% | 2,486 |
| Net operating income to assets | 0.9144% | 2,838 |
| Return on assets (ROA) | 0.9144% | 2,964 |
| Pretax return on assets | 0.9821% | 3,697 |
| Return on Equity (ROE) | 11.9224% | 1,353 |
| Retained earnings to average equity (ytd only) | 3.4443% | 3,833 |
| Net charge-offs to loans | 0.1755% | 1,317 |
| Credit loss provision to net charge-offs | 104.1667% | 2,294 |
| Earnings coverage of net charge-offs (x) | 12.7896% | 2,357 |
| Efficiency ratio | 71.0067% | 2,738 |
| Assets per employee ($millions) | 4.6832% | 2,774 |
| Cash dividends to net income (ytd only)* | 71.1107% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 5,339 |
| Loan loss allowance to noncurrent loans | 1,225.5708% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 5,201 |
| Noncurrent loans to loans | 0.0602% | 5,116 |
| Net loans and leases to total assets | 48.5077% | 4,922 |
| Net loans and leases to deposits | 53.2340% | 5,150 |
| Net loans and leases to core deposits | 55.4848% | 5,173 |
| Total domestic deposits to total assets | 91.1215% | 164 |
| Equity capital to assets | 7.5882% | 5,834 |
| Core capital (leverage) ratio | 7.8271% | 5,749 |
| Tier 1 risk-based capital ratio | 17.2045% | 2,165 |
| Total risk-based capital ratio | 18.0055% | 2,268 |
| Memoranda: | ||
| Average total assets | $727,289,000 | 990 |
| Average earning assets | $685,166,000 | 973 |
| Average equity | $55,781,750 | 1,387 |
| Average total loans | $346,501,000 | 1,350 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1105% | 5,535 |
| Cost of funding earning assets | 0.3290% | 3,806 |
| Net interest margin | 2.7815% | 5,455 |
| Noninterest income to average assets | 1.0705% | 977 |
| Noninterest expense to average assets | 2.6392% | 3,577 |
| Loan and lease loss provision to assets | 0.0859% | 2,425 |
| Net operating income to assets | 0.9009% | 2,860 |
| Return on assets (ROA) | 0.9009% | 2,993 |
| Pretax return on assets | 0.9674% | 3,713 |
| Return on Equity (ROE) | 11.7031% | 1,416 |
| Retained earnings to average equity (ytd only) | 3.3561% | 3,762 |
| Net charge-offs to loans | 0.2213% | 1,060 |
| Credit loss provision to net charge-offs | 82.2281% | 2,344 |
| Earnings coverage of net charge-offs (x) | 10.0796% | 2,359 |
| Efficiency ratio | 71.4736% | 2,749 |
| Assets per employee ($millions) | 4.8429% | 2,496 |
| Cash dividends to net income (ytd only)* | 71.3231% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 5,440 |
| Loan loss allowance to noncurrent loans | 2,522.3301% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,350 |
| Noncurrent loans to loans | 0.0292% | 5,350 |
| Net loans and leases to total assets | 48.2054% | 4,974 |
| Net loans and leases to deposits | 53.0042% | 5,200 |
| Net loans and leases to core deposits | 55.1552% | 5,214 |
| Total domestic deposits to total assets | 90.9464% | 199 |
| Equity capital to assets | 7.7715% | 5,865 |
| Core capital (leverage) ratio | 7.8477% | 5,804 |
| Tier 1 risk-based capital ratio | 17.9095% | 1,956 |
| Total risk-based capital ratio | 18.7238% | 2,038 |
| Memoranda: | ||
| Average total assets | $721,508,330 | 999 |
| Average earning assets | $680,144,000 | 979 |
| Average equity | $55,541,000 | 1,394 |
| Average total loans | $340,705,670 | 1,369 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 5,332 |
| Cost of funding earning assets | 0.3712% | 3,383 |
| Net interest margin | 2.9215% | 5,283 |
| Noninterest income to average assets | 1.3240% | 625 |
| Noninterest expense to average assets | 2.9268% | 2,613 |
| Loan and lease loss provision to assets | 0.0751% | 2,458 |
| Net operating income to assets | 1.0038% | 2,258 |
| Return on assets (ROA) | 1.0038% | 2,375 |
| Pretax return on assets | 1.0789% | 3,176 |
| Return on Equity (ROE) | 13.0382% | 1,032 |
| Retained earnings to average equity (ytd only) | 3.3541% | 3,821 |
| Net charge-offs to loans | 0.0768% | 1,720 |
| Credit loss provision to net charge-offs | 195.1220% | 1,099 |
| Earnings coverage of net charge-offs (x) | 29.9756% | 1,183 |
| Efficiency ratio | 71.7211% | 2,840 |
| Assets per employee ($millions) | 3.7968% | 4,307 |
| Cash dividends to net income (ytd only)* | 74.2750% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5769% | 5,777 |
| Loan loss allowance to noncurrent loans | 296.8900% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,117 |
| Noncurrent loans to loans | 0.1943% | 4,721 |
| Net loans and leases to total assets | 49.8484% | 4,815 |
| Net loans and leases to deposits | 54.7237% | 5,059 |
| Net loans and leases to core deposits | 58.0132% | 5,047 |
| Total domestic deposits to total assets | 91.0910% | 244 |
| Equity capital to assets | 7.7308% | 5,902 |
| Core capital (leverage) ratio | 7.8929% | 5,815 |
| Tier 1 risk-based capital ratio | 17.9143% | 2,007 |
| Total risk-based capital ratio | 18.5766% | 2,146 |
| Memoranda: | ||
| Average total assets | $425,996,000 | 1,593 |
| Average earning assets | $401,980,000 | 1,561 |
| Average equity | $32,796,000 | 2,209 |
| Average total loans | $213,546,500 | 2,026 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1396% | 5,591 |
| Cost of funding earning assets | 0.3891% | 3,274 |
| Net interest margin | 2.7504% | 5,591 |
| Noninterest income to average assets | 1.3325% | 677 |
| Noninterest expense to average assets | 2.8046% | 3,206 |
| Loan and lease loss provision to assets | 0.0756% | 2,758 |
| Net operating income to assets | 0.9839% | 2,451 |
| Return on assets (ROA) | 0.9839% | 2,527 |
| Pretax return on assets | 1.0561% | 3,241 |
| Return on Equity (ROE) | 12.4764% | 1,184 |
| Retained earnings to average equity (ytd only) | 4.0959% | 3,092 |
| Net charge-offs to loans | 0.1197% | 2,177 |
| Credit loss provision to net charge-offs | 132.4786% | 1,975 |
| Earnings coverage of net charge-offs (x) | 19.8248% | 1,918 |
| Efficiency ratio | 71.2488% | 3,025 |
| Assets per employee ($millions) | 3.8104% | 4,271 |
| Cash dividends to net income (ytd only)* | 67.1708% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 5,844 |
| Loan loss allowance to noncurrent loans | 3,535.2941% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,646 |
| Noncurrent loans to loans | 0.0160% | 5,461 |
| Net loans and leases to total assets | 49.8356% | 4,885 |
| Net loans and leases to deposits | 54.5985% | 5,126 |
| Net loans and leases to core deposits | 57.7246% | 5,118 |
| Total domestic deposits to total assets | 91.2764% | 219 |
| Equity capital to assets | 7.6661% | 5,953 |
| Core capital (leverage) ratio | 7.9101% | 5,876 |
| Tier 1 risk-based capital ratio | 18.1808% | 1,912 |
| Total risk-based capital ratio | 18.8372% | 2,046 |
| Memoranda: | ||
| Average total assets | $409,898,200 | 1,611 |
| Average earning assets | $388,049,200 | 1,572 |
| Average equity | $32,325,000 | 2,182 |
| Average total loans | $195,411,400 | 2,119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0787% | 5,731 |
| Cost of funding earning assets | 0.3905% | 3,315 |
| Net interest margin | 2.6882% | 5,738 |
| Noninterest income to average assets | 1.3296% | 687 |
| Noninterest expense to average assets | 2.8247% | 3,089 |
| Loan and lease loss provision to assets | 0.0771% | 2,649 |
| Net operating income to assets | 0.9069% | 2,932 |
| Return on assets (ROA) | 0.9069% | 3,025 |
| Pretax return on assets | 0.9738% | 3,719 |
| Return on Equity (ROE) | 11.4176% | 1,566 |
| Retained earnings to average equity (ytd only) | 3.7729% | 3,787 |
| Net charge-offs to loans | 0.1164% | 1,964 |
| Credit loss provision to net charge-offs | 140.7186% | 1,766 |
| Earnings coverage of net charge-offs (x) | 19.1917% | 1,956 |
| Efficiency ratio | 72.8849% | 2,739 |
| Assets per employee ($millions) | 4.0011% | 3,874 |
| Cash dividends to net income (ytd only)* | 66.9558% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5865% | 5,917 |
| Loan loss allowance to noncurrent loans | 59,700.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,784 |
| Noncurrent loans to loans | 0.0010% | 5,677 |
| Net loans and leases to total assets | 48.6407% | 5,039 |
| Net loans and leases to deposits | 53.4673% | 5,290 |
| Net loans and leases to core deposits | 56.6126% | 5,275 |
| Total domestic deposits to total assets | 90.9728% | 248 |
| Equity capital to assets | 7.8506% | 6,007 |
| Core capital (leverage) ratio | 7.8785% | 5,952 |
| Tier 1 risk-based capital ratio | 18.8185% | 1,815 |
| Total risk-based capital ratio | 19.5025% | 1,928 |
| Memoranda: | ||
| Average total assets | $406,634,000 | 1,634 |
| Average earning assets | $385,126,000 | 1,597 |
| Average equity | $32,300,250 | 2,199 |
| Average total loans | $191,268,250 | 2,167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0140% | 5,843 |
| Cost of funding earning assets | 0.3881% | 3,389 |
| Net interest margin | 2.6258% | 5,854 |
| Noninterest income to average assets | 1.2943% | 728 |
| Noninterest expense to average assets | 2.8175% | 3,170 |
| Loan and lease loss provision to assets | 0.0793% | 2,528 |
| Net operating income to assets | 0.8248% | 3,246 |
| Return on assets (ROA) | 0.8248% | 3,358 |
| Pretax return on assets | 0.8858% | 4,005 |
| Return on Equity (ROE) | 10.3425% | 1,916 |
| Retained earnings to average equity (ytd only) | 3.7293% | 3,645 |
| Net charge-offs to loans | 0.1122% | 1,882 |
| Credit loss provision to net charge-offs | 152.3810% | 1,516 |
| Earnings coverage of net charge-offs (x) | 18.5429% | 1,803 |
| Efficiency ratio | 74.4857% | 2,619 |
| Assets per employee ($millions) | 3.9683% | 3,945 |
| Cash dividends to net income (ytd only)* | 63.9423% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 5,961 |
| Loan loss allowance to noncurrent loans | 968.0328% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,658 |
| Noncurrent loans to loans | 0.0627% | 5,481 |
| Net loans and leases to total assets | 46.8255% | 5,188 |
| Net loans and leases to deposits | 51.4916% | 5,418 |
| Net loans and leases to core deposits | 54.4284% | 5,394 |
| Total domestic deposits to total assets | 90.9382% | 314 |
| Equity capital to assets | 7.8869% | 6,026 |
| Core capital (leverage) ratio | 7.8290% | 6,008 |
| Tier 1 risk-based capital ratio | 19.9416% | 1,562 |
| Total risk-based capital ratio | 20.6655% | 1,659 |
| Memoranda: | ||
| Average total assets | $403,475,330 | 1,657 |
| Average earning assets | $382,352,670 | 1,615 |
| Average equity | $32,178,000 | 2,213 |
| Average total loans | $187,160,000 | 2,209 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8839% | 6,008 |
| Cost of funding earning assets | 0.3793% | 3,535 |
| Net interest margin | 2.5046% | 6,008 |
| Noninterest income to average assets | 1.2124% | 772 |
| Noninterest expense to average assets | 2.7568% | 3,398 |
| Loan and lease loss provision to assets | 0.0852% | 2,270 |
| Net operating income to assets | 0.6890% | 3,851 |
| Return on assets (ROA) | 0.6890% | 3,976 |
| Pretax return on assets | 0.7411% | 4,464 |
| Return on Equity (ROE) | 8.5895% | 2,649 |
| Retained earnings to average equity (ytd only) | 2.2505% | 4,557 |
| Net charge-offs to loans | 0.1133% | 1,611 |
| Credit loss provision to net charge-offs | 163.4615% | 1,189 |
| Earnings coverage of net charge-offs (x) | 15.8462% | 1,600 |
| Efficiency ratio | 76.9381% | 2,353 |
| Assets per employee ($millions) | 4.4352% | 3,155 |
| Cash dividends to net income (ytd only)* | 73.7991% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 6,051 |
| Loan loss allowance to noncurrent loans | 554.5455% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 5,506 |
| Noncurrent loans to loans | 0.1102% | 5,369 |
| Net loans and leases to total assets | 45.7100% | 5,218 |
| Net loans and leases to deposits | 50.2666% | 5,442 |
| Net loans and leases to core deposits | 53.0677% | 5,422 |
| Total domestic deposits to total assets | 90.9351% | 391 |
| Equity capital to assets | 7.8010% | 6,098 |
| Core capital (leverage) ratio | 8.2176% | 5,796 |
| Tier 1 risk-based capital ratio | 20.9233% | 1,439 |
| Total risk-based capital ratio | 21.6806% | 1,503 |
| Memoranda: | ||
| Average total assets | $398,864,000 | 1,679 |
| Average earning assets | $377,542,000 | 1,634 |
| Average equity | $31,992,500 | 2,237 |
| Average total loans | $183,525,500 | 2,252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0146% | 6,052 |
| Cost of funding earning assets | 0.4068% | 3,621 |
| Net interest margin | 2.6077% | 6,057 |
| Noninterest income to average assets | 1.2245% | 802 |
| Noninterest expense to average assets | 2.5963% | 4,237 |
| Loan and lease loss provision to assets | 0.0157% | 4,294 |
| Net operating income to assets | 1.0114% | 2,329 |
| Return on assets (ROA) | 1.0114% | 2,409 |
| Pretax return on assets | 1.0856% | 3,142 |
| Return on Equity (ROE) | 12.4559% | 1,274 |
| Retained earnings to average equity (ytd only) | 3.8858% | 3,453 |
| Net charge-offs to loans | 0.1619% | 2,411 |
| Credit loss provision to net charge-offs | 20.9059% | 3,967 |
| Earnings coverage of net charge-offs (x) | 14.6794% | 2,139 |
| Efficiency ratio | 70.2156% | 3,497 |
| Assets per employee ($millions) | 4.0553% | 3,820 |
| Cash dividends to net income (ytd only)* | 68.8033% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 6,092 |
| Loan loss allowance to noncurrent loans | 1,608.5714% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,881 |
| Noncurrent loans to loans | 0.0395% | 5,715 |
| Net loans and leases to total assets | 45.7423% | 5,347 |
| Net loans and leases to deposits | 50.5833% | 5,553 |
| Net loans and leases to core deposits | 53.5495% | 5,524 |
| Total domestic deposits to total assets | 90.4297% | 565 |
| Equity capital to assets | 8.2563% | 5,925 |
| Core capital (leverage) ratio | 8.2173% | 5,846 |
| Tier 1 risk-based capital ratio | 22.7599% | 1,112 |
| Total risk-based capital ratio | 23.5649% | 1,158 |
| Memoranda: | ||
| Average total assets | $382,538,400 | 1,716 |
| Average earning assets | $362,806,600 | 1,657 |
| Average equity | $31,061,600 | 2,217 |
| Average total loans | $177,237,000 | 2,257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0289% | 6,107 |
| Cost of funding earning assets | 0.4111% | 3,667 |
| Net interest margin | 2.6178% | 6,110 |
| Noninterest income to average assets | 1.2287% | 806 |
| Noninterest expense to average assets | 2.6341% | 4,082 |
| Loan and lease loss provision to assets | 0.0244% | 3,920 |
| Net operating income to assets | 0.9818% | 2,534 |
| Return on assets (ROA) | 0.9818% | 2,605 |
| Pretax return on assets | 1.0538% | 3,366 |
| Return on Equity (ROE) | 12.1433% | 1,443 |
| Retained earnings to average equity (ytd only) | 4.1543% | 3,701 |
| Net charge-offs to loans | 0.1437% | 2,360 |
| Credit loss provision to net charge-offs | 36.6492% | 3,341 |
| Earnings coverage of net charge-offs (x) | 16.1676% | 2,000 |
| Efficiency ratio | 70.9556% | 3,348 |
| Assets per employee ($millions) | 4.1072% | 3,657 |
| Cash dividends to net income (ytd only)* | 65.7896% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 6,095 |
| Loan loss allowance to noncurrent loans | 716.2791% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 5,979 |
| Noncurrent loans to loans | 0.0984% | 5,646 |
| Net loans and leases to total assets | 45.4299% | 5,421 |
| Net loans and leases to deposits | 50.2186% | 5,638 |
| Net loans and leases to core deposits | 53.0360% | 5,624 |
| Total domestic deposits to total assets | 90.4642% | 542 |
| Equity capital to assets | 8.2713% | 5,968 |
| Core capital (leverage) ratio | 8.2380% | 5,893 |
| Tier 1 risk-based capital ratio | 23.4552% | 1,053 |
| Total risk-based capital ratio | 24.3699% | 1,082 |
| Memoranda: | ||
| Average total assets | $381,859,000 | 1,728 |
| Average earning assets | $362,277,250 | 1,673 |
| Average equity | $30,875,000 | 2,235 |
| Average total loans | $177,208,500 | 2,266 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0301% | 6,147 |
| Cost of funding earning assets | 0.4177% | 3,686 |
| Net interest margin | 2.6124% | 6,159 |
| Noninterest income to average assets | 1.1869% | 832 |
| Noninterest expense to average assets | 2.6400% | 4,095 |
| Loan and lease loss provision to assets | 0.0943% | 2,454 |
| Net operating income to assets | 0.8653% | 2,979 |
| Return on assets (ROA) | 0.8653% | 3,071 |
| Pretax return on assets | 0.9292% | 3,768 |
| Return on Equity (ROE) | 10.7849% | 1,814 |
| Retained earnings to average equity (ytd only) | 3.2054% | 4,161 |
| Net charge-offs to loans | 0.1584% | 2,124 |
| Credit loss provision to net charge-offs | 127.6596% | 1,630 |
| Earnings coverage of net charge-offs (x) | 13.8582% | 1,948 |
| Efficiency ratio | 72.0618% | 3,326 |
| Assets per employee ($millions) | 3.8203% | 4,217 |
| Cash dividends to net income (ytd only)* | 70.2785% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 6,004 |
| Loan loss allowance to noncurrent loans | 4,094.1176% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 5,601 |
| Noncurrent loans to loans | 0.0193% | 6,012 |
| Net loans and leases to total assets | 45.7913% | 5,382 |
| Net loans and leases to deposits | 50.5755% | 5,596 |
| Net loans and leases to core deposits | 53.2939% | 5,597 |
| Total domestic deposits to total assets | 90.5405% | 568 |
| Equity capital to assets | 8.0968% | 6,097 |
| Core capital (leverage) ratio | 8.1431% | 5,989 |
| Tier 1 risk-based capital ratio | 22.6315% | 1,166 |
| Total risk-based capital ratio | 23.6442% | 1,184 |
| Memoranda: | ||
| Average total assets | $381,821,000 | 1,725 |
| Average earning assets | $361,967,000 | 1,666 |
| Average equity | $30,635,330 | 2,236 |
| Average total loans | $178,024,000 | 2,257 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 6,192 |
| Cost of funding earning assets | 0.4220% | 3,738 |
| Net interest margin | 2.6236% | 6,201 |
| Noninterest income to average assets | 1.1694% | 815 |
| Noninterest expense to average assets | 2.6103% | 4,232 |
| Loan and lease loss provision to assets | 0.0943% | 2,347 |
| Net operating income to assets | 0.8876% | 2,716 |
| Return on assets (ROA) | 0.8876% | 2,779 |
| Pretax return on assets | 0.9536% | 3,495 |
| Return on Equity (ROE) | 11.1129% | 1,645 |
| Retained earnings to average equity (ytd only) | 3.0833% | 4,268 |
| Net charge-offs to loans | 0.1521% | 1,810 |
| Credit loss provision to net charge-offs | 132.3529% | 1,364 |
| Earnings coverage of net charge-offs (x) | 14.7059% | 1,588 |
| Efficiency ratio | 71.3549% | 3,599 |
| Assets per employee ($millions) | 4.0558% | 3,809 |
| Cash dividends to net income (ytd only)* | 72.2550% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 6,145 |
| Loan loss allowance to noncurrent loans | 186.8207% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,644 |
| Noncurrent loans to loans | 0.4176% | 4,883 |
| Net loans and leases to total assets | 45.8717% | 5,342 |
| Net loans and leases to deposits | 50.6370% | 5,549 |
| Net loans and leases to core deposits | 53.2165% | 5,554 |
| Total domestic deposits to total assets | 90.5893% | 747 |
| Equity capital to assets | 8.0328% | 6,034 |
| Core capital (leverage) ratio | 7.9931% | 6,125 |
| Tier 1 risk-based capital ratio | 22.9736% | 1,149 |
| Total risk-based capital ratio | 23.9975% | 1,158 |
| Memoranda: | ||
| Average total assets | $381,718,000 | 1,731 |
| Average earning assets | $362,093,500 | 1,679 |
| Average equity | $30,487,000 | 2,242 |
| Average total loans | $178,872,500 | 2,244 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1524% | 6,190 |
| Cost of funding earning assets | 0.5077% | 3,529 |
| Net interest margin | 2.6447% | 6,210 |
| Noninterest income to average assets | 1.1665% | 1,032 |
| Noninterest expense to average assets | 2.4908% | 4,788 |
| Loan and lease loss provision to assets | 0.0863% | 3,386 |
| Net operating income to assets | 1.0321% | 2,193 |
| Return on assets (ROA) | 1.0321% | 2,258 |
| Pretax return on assets | 1.1074% | 2,925 |
| Return on Equity (ROE) | 13.2182% | 1,127 |
| Retained earnings to average equity (ytd only) | 3.9675% | 3,375 |
| Net charge-offs to loans | 0.1449% | 3,353 |
| Credit loss provision to net charge-offs | 128.4047% | 1,830 |
| Earnings coverage of net charge-offs (x) | 17.7665% | 1,699 |
| Efficiency ratio | 67.6032% | 4,270 |
| Assets per employee ($millions) | 4.1999% | 3,441 |
| Cash dividends to net income (ytd only)* | 69.9848% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 6,279 |
| Loan loss allowance to noncurrent loans | 896.0265% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 6,092 |
| Noncurrent loans to loans | 0.0832% | 5,965 |
| Net loans and leases to total assets | 47.1318% | 5,374 |
| Net loans and leases to deposits | 51.8230% | 5,634 |
| Net loans and leases to core deposits | 54.0243% | 5,671 |
| Total domestic deposits to total assets | 90.9476% | 592 |
| Equity capital to assets | 7.9409% | 6,063 |
| Core capital (leverage) ratio | 7.9303% | 6,185 |
| Tier 1 risk-based capital ratio | 21.8763% | 1,282 |
| Total risk-based capital ratio | 22.8431% | 1,298 |
| Memoranda: | ||
| Average total assets | $382,527,800 | 1,716 |
| Average earning assets | $364,195,800 | 1,653 |
| Average equity | $29,868,000 | 2,258 |
| Average total loans | $177,360,800 | 2,223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1456% | 6,261 |
| Cost of funding earning assets | 0.5260% | 3,511 |
| Net interest margin | 2.6197% | 6,293 |
| Noninterest income to average assets | 1.1510% | 1,106 |
| Noninterest expense to average assets | 2.5003% | 4,721 |
| Loan and lease loss provision to assets | 0.0836% | 3,391 |
| Net operating income to assets | 0.9904% | 2,411 |
| Return on assets (ROA) | 0.9904% | 2,512 |
| Pretax return on assets | 1.0628% | 3,257 |
| Return on Equity (ROE) | 12.7379% | 1,302 |
| Retained earnings to average equity (ytd only) | 3.7918% | 3,985 |
| Net charge-offs to loans | 0.1573% | 2,981 |
| Credit loss provision to net charge-offs | 115.3846% | 2,039 |
| Earnings coverage of net charge-offs (x) | 15.8171% | 1,837 |
| Efficiency ratio | 68.5619% | 3,984 |
| Assets per employee ($millions) | 4.0198% | 3,791 |
| Cash dividends to net income (ytd only)* | 70.2323% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7297% | 6,405 |
| Loan loss allowance to noncurrent loans | 809.8765% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 6,345 |
| Noncurrent loans to loans | 0.0901% | 6,062 |
| Net loans and leases to total assets | 46.7410% | 5,468 |
| Net loans and leases to deposits | 51.3687% | 5,756 |
| Net loans and leases to core deposits | 53.6420% | 5,788 |
| Total domestic deposits to total assets | 90.9913% | 541 |
| Equity capital to assets | 7.7665% | 6,274 |
| Core capital (leverage) ratio | 7.8961% | 6,280 |
| Tier 1 risk-based capital ratio | 21.7944% | 1,351 |
| Total risk-based capital ratio | 22.7395% | 1,376 |
| Memoranda: | ||
| Average total assets | $382,612,750 | 1,724 |
| Average earning assets | $364,517,000 | 1,662 |
| Average equity | $29,747,750 | 2,287 |
| Average total loans | $176,329,750 | 2,243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1565% | 6,279 |
| Cost of funding earning assets | 0.5445% | 3,470 |
| Net interest margin | 2.6121% | 6,323 |
| Noninterest income to average assets | 1.1749% | 1,100 |
| Noninterest expense to average assets | 2.5049% | 4,705 |
| Loan and lease loss provision to assets | 0.0784% | 3,494 |
| Net operating income to assets | 1.0072% | 2,301 |
| Return on assets (ROA) | 1.0072% | 2,436 |
| Pretax return on assets | 1.0803% | 3,171 |
| Return on Equity (ROE) | 12.9494% | 1,255 |
| Retained earnings to average equity (ytd only) | 4.1710% | 3,635 |
| Net charge-offs to loans | 0.1701% | 2,761 |
| Credit loss provision to net charge-offs | 100.6711% | 2,189 |
| Earnings coverage of net charge-offs (x) | 14.8859% | 1,787 |
| Efficiency ratio | 68.3730% | 4,115 |
| Assets per employee ($millions) | 4.1864% | 3,386 |
| Cash dividends to net income (ytd only)* | 67.7905% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 6,471 |
| Loan loss allowance to noncurrent loans | 993.0233% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,417 |
| Noncurrent loans to loans | 0.0724% | 6,175 |
| Net loans and leases to total assets | 45.9478% | 5,539 |
| Net loans and leases to deposits | 50.5096% | 5,801 |
| Net loans and leases to core deposits | 52.5365% | 5,848 |
| Total domestic deposits to total assets | 90.9684% | 553 |
| Equity capital to assets | 7.8124% | 6,310 |
| Core capital (leverage) ratio | 7.8097% | 6,302 |
| Tier 1 risk-based capital ratio | 21.8222% | 1,320 |
| Total risk-based capital ratio | 22.7516% | 1,359 |
| Memoranda: | ||
| Average total assets | $382,855,330 | 1,731 |
| Average earning assets | $364,769,000 | 1,661 |
| Average equity | $29,777,330 | 2,290 |
| Average total loans | $175,170,000 | 2,251 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1570% | 6,346 |
| Cost of funding earning assets | 0.5586% | 3,490 |
| Net interest margin | 2.5984% | 6,375 |
| Noninterest income to average assets | 1.2523% | 976 |
| Noninterest expense to average assets | 2.5464% | 4,583 |
| Loan and lease loss provision to assets | 0.0943% | 3,091 |
| Net operating income to assets | 1.0144% | 2,167 |
| Return on assets (ROA) | 1.0144% | 2,284 |
| Pretax return on assets | 1.0877% | 3,005 |
| Return on Equity (ROE) | 13.0716% | 1,152 |
| Retained earnings to average equity (ytd only) | 4.0376% | 3,806 |
| Net charge-offs to loans | 0.2580% | 1,925 |
| Credit loss provision to net charge-offs | 80.3571% | 2,151 |
| Earnings coverage of net charge-offs (x) | 10.0714% | 1,776 |
| Efficiency ratio | 68.2968% | 4,256 |
| Assets per employee ($millions) | 4.0517% | 3,842 |
| Cash dividends to net income (ytd only)* | 69.1116% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 6,557 |
| Loan loss allowance to noncurrent loans | 15,725.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 6,529 |
| Noncurrent loans to loans | 0.0046% | 6,501 |
| Net loans and leases to total assets | 44.8080% | 5,578 |
| Net loans and leases to deposits | 49.2648% | 5,837 |
| Net loans and leases to core deposits | 51.4098% | 5,866 |
| Total domestic deposits to total assets | 90.9534% | 544 |
| Equity capital to assets | 7.7491% | 6,501 |
| Core capital (leverage) ratio | 7.8168% | 6,272 |
| Tier 1 risk-based capital ratio | 21.8258% | 1,366 |
| Total risk-based capital ratio | 22.7483% | 1,400 |
| Memoranda: | ||
| Average total assets | $381,710,000 | 1,745 |
| Average earning assets | $363,765,000 | 1,678 |
| Average equity | $29,621,500 | 2,330 |
| Average total loans | $173,631,500 | 2,287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 6,478 |
| Cost of funding earning assets | 0.6356% | 4,043 |
| Net interest margin | 2.7707% | 6,421 |
| Noninterest income to average assets | 1.4216% | 776 |
| Noninterest expense to average assets | 2.5179% | 5,040 |
| Loan and lease loss provision to assets | 0.0241% | 5,594 |
| Net operating income to assets | 1.4162% | 1,069 |
| Return on assets (ROA) | 1.4162% | 1,181 |
| Pretax return on assets | 1.5116% | 1,643 |
| Return on Equity (ROE) | 18.4755% | 403 |
| Retained earnings to average equity (ytd only) | 4.7640% | 2,873 |
| Net charge-offs to loans | 0.1387% | 4,306 |
| Credit loss provision to net charge-offs | 37.9747% | 4,971 |
| Earnings coverage of net charge-offs (x) | 24.1688% | 1,185 |
| Efficiency ratio | 62.1139% | 5,220 |
| Assets per employee ($millions) | 3.9843% | 3,983 |
| Cash dividends to net income (ytd only)* | 74.2143% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 6,587 |
| Loan loss allowance to noncurrent loans | 630.5419% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 6,486 |
| Noncurrent loans to loans | 0.1170% | 6,192 |
| Net loans and leases to total assets | 45.5086% | 5,668 |
| Net loans and leases to deposits | 50.0325% | 5,954 |
| Net loans and leases to core deposits | 52.1086% | 6,008 |
| Total domestic deposits to total assets | 90.9580% | 510 |
| Equity capital to assets | 7.7715% | 6,514 |
| Core capital (leverage) ratio | 7.8180% | 6,331 |
| Tier 1 risk-based capital ratio | 21.4120% | 1,379 |
| Total risk-based capital ratio | 22.3424% | 1,409 |
| Memoranda: | ||
| Average total assets | $372,972,400 | 1,743 |
| Average earning assets | $354,312,400 | 1,684 |
| Average equity | $28,589,200 | 2,342 |
| Average total loans | $170,826,200 | 2,304 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 6,589 |
| Cost of funding earning assets | 0.6543% | 4,158 |
| Net interest margin | 2.7752% | 6,537 |
| Noninterest income to average assets | 1.4019% | 760 |
| Noninterest expense to average assets | 2.5483% | 4,927 |
| Loan and lease loss provision to assets | 0.0987% | 4,335 |
| Net operating income to assets | 1.3039% | 1,436 |
| Return on assets (ROA) | 1.3039% | 1,577 |
| Pretax return on assets | 1.3893% | 2,273 |
| Return on Equity (ROE) | 17.0711% | 603 |
| Retained earnings to average equity (ytd only) | 4.9560% | 3,394 |
| Net charge-offs to loans | 0.1332% | 4,055 |
| Credit loss provision to net charge-offs | 161.7647% | 1,719 |
| Earnings coverage of net charge-offs (x) | 24.3942% | 1,277 |
| Efficiency ratio | 63.1345% | 4,955 |
| Assets per employee ($millions) | 4.0630% | 3,746 |
| Cash dividends to net income (ytd only)* | 70.9686% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 6,448 |
| Loan loss allowance to noncurrent loans | 330.1724% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 6,403 |
| Noncurrent loans to loans | 0.2648% | 5,954 |
| Net loans and leases to total assets | 46.4609% | 5,713 |
| Net loans and leases to deposits | 51.2965% | 6,023 |
| Net loans and leases to core deposits | 53.4763% | 6,083 |
| Total domestic deposits to total assets | 90.5731% | 571 |
| Equity capital to assets | 7.8736% | 6,650 |
| Core capital (leverage) ratio | 7.8339% | 6,446 |
| Tier 1 risk-based capital ratio | 21.1752% | 1,484 |
| Total risk-based capital ratio | 22.2870% | 1,484 |
| Memoranda: | ||
| Average total assets | $371,587,750 | 1,776 |
| Average earning assets | $352,736,250 | 1,710 |
| Average equity | $28,382,500 | 2,374 |
| Average total loans | $170,149,000 | 2,338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 6,707 |
| Cost of funding earning assets | 0.6783% | 4,192 |
| Net interest margin | 2.7422% | 6,657 |
| Noninterest income to average assets | 1.2905% | 852 |
| Noninterest expense to average assets | 2.5487% | 4,964 |
| Loan and lease loss provision to assets | 0.0998% | 4,282 |
| Net operating income to assets | 1.1595% | 1,851 |
| Return on assets (ROA) | 1.1595% | 2,055 |
| Pretax return on assets | 1.2431% | 2,754 |
| Return on Equity (ROE) | 15.3391% | 879 |
| Retained earnings to average equity (ytd only) | 4.8086% | 3,406 |
| Net charge-offs to loans | 0.1187% | 3,989 |
| Credit loss provision to net charge-offs | 185.0000% | 1,532 |
| Earnings coverage of net charge-offs (x) | 24.9000% | 1,212 |
| Efficiency ratio | 65.4933% | 4,623 |
| Assets per employee ($millions) | 3.9886% | 3,902 |
| Cash dividends to net income (ytd only)* | 68.6512% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 6,526 |
| Loan loss allowance to noncurrent loans | 574.9049% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,637 |
| Noncurrent loans to loans | 0.1518% | 6,286 |
| Net loans and leases to total assets | 46.3029% | 5,798 |
| Net loans and leases to deposits | 50.9551% | 6,111 |
| Net loans and leases to core deposits | 53.1674% | 6,150 |
| Total domestic deposits to total assets | 90.8699% | 494 |
| Equity capital to assets | 7.7304% | 6,703 |
| Core capital (leverage) ratio | 7.7659% | 6,472 |
| Tier 1 risk-based capital ratio | 20.9022% | 1,502 |
| Total risk-based capital ratio | 22.0005% | 1,503 |
| Memoranda: | ||
| Average total assets | $370,853,000 | 1,779 |
| Average earning assets | $351,761,670 | 1,712 |
| Average equity | $28,033,000 | 2,389 |
| Average total loans | $168,465,670 | 2,366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4061% | 6,804 |
| Cost of funding earning assets | 0.7176% | 4,128 |
| Net interest margin | 2.6885% | 6,786 |
| Noninterest income to average assets | 1.2772% | 868 |
| Noninterest expense to average assets | 2.5425% | 5,013 |
| Loan and lease loss provision to assets | 0.1025% | 4,058 |
| Net operating income to assets | 1.1024% | 2,074 |
| Return on assets (ROA) | 1.1024% | 2,259 |
| Pretax return on assets | 1.1823% | 2,974 |
| Return on Equity (ROE) | 14.7517% | 1,025 |
| Retained earnings to average equity (ytd only) | 4.5035% | 3,883 |
| Net charge-offs to loans | 0.0915% | 3,605 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 31.3421% | 890 |
| Efficiency ratio | 66.4318% | 4,477 |
| Assets per employee ($millions) | 3.9823% | 4,057 |
| Cash dividends to net income (ytd only)* | 69.4716% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,555 |
| Loan loss allowance to noncurrent loans | 3,619.5122% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,902 |
| Noncurrent loans to loans | 0.0246% | 6,715 |
| Net loans and leases to total assets | 44.5626% | 5,951 |
| Net loans and leases to deposits | 48.8283% | 6,241 |
| Net loans and leases to core deposits | 51.0922% | 6,270 |
| Total domestic deposits to total assets | 91.2639% | 448 |
| Equity capital to assets | 7.5036% | 6,777 |
| Core capital (leverage) ratio | 7.6642% | 6,517 |
| Tier 1 risk-based capital ratio | 21.2728% | 1,433 |
| Total risk-based capital ratio | 22.3851% | 1,434 |
| Memoranda: | ||
| Average total assets | $370,810,500 | 1,781 |
| Average earning assets | $351,725,500 | 1,721 |
| Average equity | $27,712,000 | 2,408 |
| Average total loans | $166,065,000 | 2,406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 6,905 |
| Cost of funding earning assets | 0.9581% | 3,661 |
| Net interest margin | 2.6825% | 6,938 |
| Noninterest income to average assets | 1.2578% | 820 |
| Noninterest expense to average assets | 2.5879% | 5,140 |
| Loan and lease loss provision to assets | 0.0828% | 5,579 |
| Net operating income to assets | 1.0499% | 2,005 |
| Return on assets (ROA) | 1.0499% | 2,147 |
| Pretax return on assets | 1.1259% | 2,740 |
| Return on Equity (ROE) | 13.8143% | 974 |
| Retained earnings to average equity (ytd only) | 4.2012% | 3,190 |
| Net charge-offs to loans | 0.1765% | 4,737 |
| Credit loss provision to net charge-offs | 98.9933% | 3,621 |
| Earnings coverage of net charge-offs (x) | 14.4564% | 1,458 |
| Efficiency ratio | 68.1644% | 4,322 |
| Assets per employee ($millions) | 4.1251% | 3,597 |
| Cash dividends to net income (ytd only)* | 69.5885% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 6,622 |
| Loan loss allowance to noncurrent loans | 604.6610% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 6,792 |
| Noncurrent loans to loans | 0.1425% | 6,455 |
| Net loans and leases to total assets | 44.2215% | 6,191 |
| Net loans and leases to deposits | 48.3937% | 6,472 |
| Net loans and leases to core deposits | 50.6556% | 6,496 |
| Total domestic deposits to total assets | 91.3786% | 368 |
| Equity capital to assets | 7.4432% | 6,836 |
| Core capital (leverage) ratio | 7.9529% | 6,309 |
| Tier 1 risk-based capital ratio | 20.6429% | 1,495 |
| Total risk-based capital ratio | 21.6920% | 1,507 |
| Memoranda: | ||
| Average total assets | $356,423,600 | 1,819 |
| Average earning assets | $337,328,600 | 1,757 |
| Average equity | $27,087,800 | 2,392 |
| Average total loans | $168,864,200 | 2,383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 6,925 |
| Cost of funding earning assets | 1.0062% | 3,636 |
| Net interest margin | 2.7071% | 6,985 |
| Noninterest income to average assets | 1.2516% | 826 |
| Noninterest expense to average assets | 2.6604% | 4,869 |
| Loan and lease loss provision to assets | 0.1191% | 4,945 |
| Net operating income to assets | 0.9620% | 2,476 |
| Return on assets (ROA) | 0.9620% | 2,639 |
| Pretax return on assets | 1.0320% | 3,278 |
| Return on Equity (ROE) | 12.5903% | 1,389 |
| Retained earnings to average equity (ytd only) | 3.9824% | 3,885 |
| Net charge-offs to loans | 0.1933% | 4,256 |
| Credit loss provision to net charge-offs | 128.0488% | 2,494 |
| Earnings coverage of net charge-offs (x) | 12.3781% | 1,713 |
| Efficiency ratio | 69.8007% | 3,987 |
| Assets per employee ($millions) | 3.9529% | 3,951 |
| Cash dividends to net income (ytd only)* | 68.3693% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,631 |
| Loan loss allowance to noncurrent loans | 2,342.1875% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 7,019 |
| Noncurrent loans to loans | 0.0380% | 6,846 |
| Net loans and leases to total assets | 46.8942% | 6,064 |
| Net loans and leases to deposits | 51.5572% | 6,401 |
| Net loans and leases to core deposits | 53.9789% | 6,460 |
| Total domestic deposits to total assets | 90.9555% | 448 |
| Equity capital to assets | 7.7782% | 6,811 |
| Core capital (leverage) ratio | 7.8886% | 6,495 |
| Tier 1 risk-based capital ratio | 20.2341% | 1,632 |
| Total risk-based capital ratio | 21.3261% | 1,635 |
| Memoranda: | ||
| Average total assets | $352,713,750 | 1,842 |
| Average earning assets | $333,529,750 | 1,789 |
| Average equity | $26,951,250 | 2,397 |
| Average total loans | $169,679,000 | 2,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 6,990 |
| Cost of funding earning assets | 1.0342% | 3,713 |
| Net interest margin | 2.6952% | 7,034 |
| Noninterest income to average assets | 1.2300% | 836 |
| Noninterest expense to average assets | 2.6898% | 4,861 |
| Loan and lease loss provision to assets | 0.1194% | 4,780 |
| Net operating income to assets | 0.9025% | 2,625 |
| Return on assets (ROA) | 0.9025% | 2,735 |
| Pretax return on assets | 0.9684% | 3,364 |
| Return on Equity (ROE) | 11.8827% | 1,527 |
| Retained earnings to average equity (ytd only) | 3.8935% | 3,714 |
| Net charge-offs to loans | 0.1164% | 4,537 |
| Credit loss provision to net charge-offs | 212.1212% | 1,419 |
| Earnings coverage of net charge-offs (x) | 19.3232% | 1,222 |
| Efficiency ratio | 71.2028% | 3,901 |
| Assets per employee ($millions) | 3.9784% | 3,797 |
| Cash dividends to net income (ytd only)* | 67.2338% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 6,640 |
| Loan loss allowance to noncurrent loans | 652.9661% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 6,904 |
| Noncurrent loans to loans | 0.1388% | 6,630 |
| Net loans and leases to total assets | 47.6007% | 6,096 |
| Net loans and leases to deposits | 52.3250% | 6,442 |
| Net loans and leases to core deposits | 54.8107% | 6,506 |
| Total domestic deposits to total assets | 90.9712% | 511 |
| Equity capital to assets | 7.6272% | 6,888 |
| Core capital (leverage) ratio | 7.8277% | 6,487 |
| Tier 1 risk-based capital ratio | 19.1678% | 1,793 |
| Total risk-based capital ratio | 20.2431% | 1,812 |
| Memoranda: | ||
| Average total assets | $351,696,670 | 1,867 |
| Average earning assets | $332,445,670 | 1,795 |
| Average equity | $26,711,000 | 2,407 |
| Average total loans | $170,128,000 | 2,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 7,010 |
| Cost of funding earning assets | 1.0444% | 3,893 |
| Net interest margin | 2.7093% | 7,003 |
| Noninterest income to average assets | 1.2211% | 854 |
| Noninterest expense to average assets | 2.7218% | 4,745 |
| Loan and lease loss provision to assets | 0.1198% | 4,514 |
| Net operating income to assets | 0.8764% | 2,676 |
| Return on assets (ROA) | 0.8764% | 2,733 |
| Pretax return on assets | 0.9404% | 3,360 |
| Return on Equity (ROE) | 11.5647% | 1,586 |
| Retained earnings to average equity (ytd only) | 4.0055% | 3,769 |
| Net charge-offs to loans | 0.1034% | 3,921 |
| Credit loss provision to net charge-offs | 238.6364% | 1,295 |
| Earnings coverage of net charge-offs (x) | 21.1136% | 1,091 |
| Efficiency ratio | 71.9674% | 3,876 |
| Assets per employee ($millions) | 3.8829% | 4,113 |
| Cash dividends to net income (ytd only)* | 65.3646% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 6,739 |
| Loan loss allowance to noncurrent loans | 797.3262% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 6,956 |
| Noncurrent loans to loans | 0.1109% | 6,773 |
| Net loans and leases to total assets | 47.3153% | 6,159 |
| Net loans and leases to deposits | 51.9156% | 6,481 |
| Net loans and leases to core deposits | 54.2814% | 6,534 |
| Total domestic deposits to total assets | 91.1389% | 557 |
| Equity capital to assets | 7.4993% | 6,870 |
| Core capital (leverage) ratio | 7.8992% | 6,365 |
| Tier 1 risk-based capital ratio | 18.9806% | 1,811 |
| Total risk-based capital ratio | 20.0211% | 1,832 |
| Memoranda: | ||
| Average total assets | $350,506,500 | 1,881 |
| Average earning assets | $331,302,500 | 1,811 |
| Average equity | $26,563,500 | 2,403 |
| Average total loans | $170,150,000 | 2,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 6,913 |
| Cost of funding earning assets | 1.2219% | 4,411 |
| Net interest margin | 2.9830% | 6,758 |
| Noninterest income to average assets | 1.2770% | 901 |
| Noninterest expense to average assets | 2.7644% | 4,729 |
| Loan and lease loss provision to assets | 0.0543% | 6,602 |
| Net operating income to assets | 1.1780% | 1,469 |
| Return on assets (ROA) | 1.1780% | 1,540 |
| Pretax return on assets | 1.2626% | 2,034 |
| Return on Equity (ROE) | 15.4710% | 650 |
| Retained earnings to average equity (ytd only) | 4.7805% | 2,557 |
| Net charge-offs to loans | 0.2630% | 4,721 |
| Credit loss provision to net charge-offs | 40.3050% | 6,385 |
| Earnings coverage of net charge-offs (x) | 9.7734% | 1,784 |
| Efficiency ratio | 67.7336% | 4,616 |
| Assets per employee ($millions) | 3.6597% | 4,552 |
| Cash dividends to net income (ytd only)* | 69.1004% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 6,895 |
| Loan loss allowance to noncurrent loans | 1,722.8916% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 7,136 |
| Noncurrent loans to loans | 0.0484% | 7,007 |
| Net loans and leases to total assets | 48.9526% | 6,279 |
| Net loans and leases to deposits | 53.7256% | 6,629 |
| Net loans and leases to core deposits | 56.2374% | 6,678 |
| Total domestic deposits to total assets | 91.1160% | 550 |
| Equity capital to assets | 7.6593% | 6,774 |
| Core capital (leverage) ratio | 7.8683% | 6,359 |
| Tier 1 risk-based capital ratio | 18.3427% | 1,896 |
| Total risk-based capital ratio | 19.3155% | 1,941 |
| Memoranda: | ||
| Average total assets | $340,655,400 | 1,916 |
| Average earning assets | $320,248,200 | 1,856 |
| Average equity | $25,938,800 | 2,462 |
| Average total loans | $174,531,800 | 2,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 7,000 |
| Cost of funding earning assets | 1.2572% | 4,516 |
| Net interest margin | 3.0142% | 6,799 |
| Noninterest income to average assets | 1.2810% | 840 |
| Noninterest expense to average assets | 2.8330% | 4,337 |
| Loan and lease loss provision to assets | 0.2301% | 4,768 |
| Net operating income to assets | 0.9761% | 2,319 |
| Return on assets (ROA) | 0.9761% | 2,433 |
| Pretax return on assets | 1.0465% | 3,007 |
| Return on Equity (ROE) | 12.8382% | 1,299 |
| Retained earnings to average equity (ytd only) | 3.7878% | 3,800 |
| Net charge-offs to loans | 0.2571% | 4,405 |
| Credit loss provision to net charge-offs | 173.0769% | 2,124 |
| Earnings coverage of net charge-offs (x) | 9.6005% | 2,002 |
| Efficiency ratio | 68.9355% | 4,277 |
| Assets per employee ($millions) | 3.5390% | 4,882 |
| Cash dividends to net income (ytd only)* | 70.4957% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,913 |
| Loan loss allowance to noncurrent loans | 2,143.9560% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 7,226 |
| Noncurrent loans to loans | 0.0516% | 7,116 |
| Net loans and leases to total assets | 50.8340% | 6,236 |
| Net loans and leases to deposits | 55.8652% | 6,629 |
| Net loans and leases to core deposits | 58.5737% | 6,700 |
| Total domestic deposits to total assets | 90.9940% | 454 |
| Equity capital to assets | 7.5978% | 7,062 |
| Core capital (leverage) ratio | 7.7649% | 6,610 |
| Tier 1 risk-based capital ratio | 17.4977% | 2,176 |
| Total risk-based capital ratio | 18.7478% | 2,145 |
| Memoranda: | ||
| Average total assets | $338,901,500 | 1,957 |
| Average earning assets | $318,042,750 | 1,898 |
| Average equity | $25,766,250 | 2,516 |
| Average total loans | $175,258,750 | 2,443 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 7,005 |
| Cost of funding earning assets | 1.2831% | 4,628 |
| Net interest margin | 3.0422% | 6,743 |
| Noninterest income to average assets | 1.2607% | 811 |
| Noninterest expense to average assets | 2.8390% | 4,320 |
| Loan and lease loss provision to assets | 0.2312% | 4,604 |
| Net operating income to assets | 0.9691% | 2,300 |
| Return on assets (ROA) | 0.9691% | 2,384 |
| Pretax return on assets | 1.0390% | 2,982 |
| Return on Equity (ROE) | 12.7431% | 1,302 |
| Retained earnings to average equity (ytd only) | 3.8580% | 3,633 |
| Net charge-offs to loans | 0.3363% | 3,651 |
| Credit loss provision to net charge-offs | 132.6531% | 3,035 |
| Earnings coverage of net charge-offs (x) | 7.2891% | 2,324 |
| Efficiency ratio | 69.0899% | 4,359 |
| Assets per employee ($millions) | 3.4858% | 4,960 |
| Cash dividends to net income (ytd only)* | 69.7248% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,279 |
| Loan loss allowance to noncurrent loans | 5,454.5455% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 7,039 |
| Noncurrent loans to loans | 0.0189% | 7,282 |
| Net loans and leases to total assets | 50.7172% | 6,350 |
| Net loans and leases to deposits | 55.8307% | 6,738 |
| Net loans and leases to core deposits | 58.3645% | 6,807 |
| Total domestic deposits to total assets | 90.8411% | 552 |
| Equity capital to assets | 7.5945% | 7,057 |
| Core capital (leverage) ratio | 7.7422% | 6,565 |
| Tier 1 risk-based capital ratio | 17.2899% | 2,171 |
| Total risk-based capital ratio | 18.4766% | 2,156 |
| Memoranda: | ||
| Average total assets | $337,441,330 | 1,972 |
| Average earning assets | $315,960,000 | 1,922 |
| Average equity | $25,661,000 | 2,524 |
| Average total loans | $174,860,000 | 2,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 7,068 |
| Cost of funding earning assets | 1.2954% | 4,847 |
| Net interest margin | 3.0533% | 6,707 |
| Noninterest income to average assets | 1.2047% | 834 |
| Noninterest expense to average assets | 2.8387% | 4,324 |
| Loan and lease loss provision to assets | 0.2326% | 4,178 |
| Net operating income to assets | 0.9387% | 2,400 |
| Return on assets (ROA) | 0.9387% | 2,461 |
| Pretax return on assets | 1.0067% | 3,071 |
| Return on Equity (ROE) | 12.3354% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.8088% | 3,856 |
| Net charge-offs to loans | 0.2975% | 3,223 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 7.9923% | 2,005 |
| Efficiency ratio | 69.6110% | 4,395 |
| Assets per employee ($millions) | 3.4810% | 5,073 |
| Cash dividends to net income (ytd only)* | 69.1233% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,411 |
| Loan loss allowance to noncurrent loans | 494.1341% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 6,970 |
| Noncurrent loans to loans | 0.2043% | 6,931 |
| Net loans and leases to total assets | 51.3715% | 6,337 |
| Net loans and leases to deposits | 56.5161% | 6,732 |
| Net loans and leases to core deposits | 59.0361% | 6,811 |
| Total domestic deposits to total assets | 90.8971% | 585 |
| Equity capital to assets | 7.5582% | 7,025 |
| Core capital (leverage) ratio | 7.9197% | 6,356 |
| Tier 1 risk-based capital ratio | 17.1661% | 2,210 |
| Total risk-based capital ratio | 18.3357% | 2,191 |
| Memoranda: | ||
| Average total assets | $335,360,000 | 2,040 |
| Average earning assets | $315,588,500 | 1,980 |
| Average equity | $25,520,000 | 2,562 |
| Average total loans | $174,764,000 | 2,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 7,127 |
| Cost of funding earning assets | 1.7897% | 4,043 |
| Net interest margin | 2.9180% | 6,825 |
| Noninterest income to average assets | 1.2848% | 913 |
| Noninterest expense to average assets | 2.6881% | 5,441 |
| Loan and lease loss provision to assets | 0.2129% | 5,641 |
| Net operating income to assets | 1.0435% | 1,693 |
| Return on assets (ROA) | 1.0435% | 1,735 |
| Pretax return on assets | 1.1143% | 2,206 |
| Return on Equity (ROE) | 14.1144% | 762 |
| Retained earnings to average equity (ytd only) | 5.3994% | 1,623 |
| Net charge-offs to loans | 0.2167% | 5,270 |
| Credit loss provision to net charge-offs | 188.1266% | 2,147 |
| Earnings coverage of net charge-offs (x) | 11.7282% | 1,573 |
| Efficiency ratio | 66.9468% | 5,196 |
| Assets per employee ($millions) | 3.5059% | 4,989 |
| Cash dividends to net income (ytd only)* | 61.7454% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,496 |
| Loan loss allowance to noncurrent loans | 1,026.5060% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 7,140 |
| Noncurrent loans to loans | 0.0952% | 7,174 |
| Net loans and leases to total assets | 51.8207% | 6,443 |
| Net loans and leases to deposits | 57.0088% | 6,853 |
| Net loans and leases to core deposits | 69.3305% | 6,810 |
| Total domestic deposits to total assets | 90.8995% | 572 |
| Equity capital to assets | 7.6620% | 6,892 |
| Core capital (leverage) ratio | 7.8193% | 6,425 |
| Tier 1 risk-based capital ratio | 16.2764% | 2,402 |
| Total risk-based capital ratio | 17.3539% | 2,405 |
| Memoranda: | ||
| Average total assets | $334,925,600 | 2,026 |
| Average earning assets | $313,401,000 | 1,990 |
| Average equity | $24,762,000 | 2,639 |
| Average total loans | $174,872,400 | 2,575 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 7,215 |
| Cost of funding earning assets | 1.9016% | 3,881 |
| Net interest margin | 2.8456% | 6,972 |
| Noninterest income to average assets | 1.2741% | 946 |
| Noninterest expense to average assets | 2.8026% | 4,887 |
| Loan and lease loss provision to assets | 0.2059% | 5,340 |
| Net operating income to assets | 0.8662% | 2,551 |
| Return on assets (ROA) | 0.8662% | 2,620 |
| Pretax return on assets | 0.9247% | 3,151 |
| Return on Equity (ROE) | 11.8231% | 1,405 |
| Retained earnings to average equity (ytd only) | 4.1617% | 2,956 |
| Net charge-offs to loans | 0.2171% | 4,675 |
| Credit loss provision to net charge-offs | 181.7544% | 2,515 |
| Earnings coverage of net charge-offs (x) | 9.9790% | 2,030 |
| Efficiency ratio | 71.2553% | 4,376 |
| Assets per employee ($millions) | 3.5401% | 4,832 |
| Cash dividends to net income (ytd only)* | 64.8004% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,706 |
| Loan loss allowance to noncurrent loans | 1,061.5894% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 7,216 |
| Noncurrent loans to loans | 0.0859% | 7,274 |
| Net loans and leases to total assets | 52.3231% | 6,573 |
| Net loans and leases to deposits | 57.6161% | 6,992 |
| Net loans and leases to core deposits | 70.1748% | 6,959 |
| Total domestic deposits to total assets | 90.8133% | 478 |
| Equity capital to assets | 7.4630% | 7,327 |
| Core capital (leverage) ratio | 7.5754% | 6,888 |
| Tier 1 risk-based capital ratio | 15.9237% | 2,656 |
| Total risk-based capital ratio | 16.9380% | 2,681 |
| Memoranda: | ||
| Average total assets | $335,392,000 | 2,045 |
| Average earning assets | $313,415,750 | 2,012 |
| Average equity | $24,572,750 | 2,682 |
| Average total loans | $175,016,000 | 2,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 7,273 |
| Cost of funding earning assets | 2.0174% | 3,692 |
| Net interest margin | 2.7540% | 7,100 |
| Noninterest income to average assets | 1.2633% | 955 |
| Noninterest expense to average assets | 2.7347% | 5,244 |
| Loan and lease loss provision to assets | 0.1921% | 5,125 |
| Net operating income to assets | 0.8440% | 2,678 |
| Return on assets (ROA) | 0.8440% | 2,780 |
| Pretax return on assets | 0.9005% | 3,336 |
| Return on Equity (ROE) | 11.5906% | 1,536 |
| Retained earnings to average equity (ytd only) | 4.8437% | 2,599 |
| Net charge-offs to loans | 0.1728% | 4,501 |
| Credit loss provision to net charge-offs | 213.9073% | 2,152 |
| Earnings coverage of net charge-offs (x) | 12.1656% | 1,840 |
| Efficiency ratio | 71.4530% | 4,516 |
| Assets per employee ($millions) | 3.5197% | 4,769 |
| Cash dividends to net income (ytd only)* | 58.2100% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,887 |
| Loan loss allowance to noncurrent loans | 1,093.6170% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 7,501 |
| Noncurrent loans to loans | 0.0799% | 7,327 |
| Net loans and leases to total assets | 51.8029% | 6,709 |
| Net loans and leases to deposits | 56.9236% | 7,100 |
| Net loans and leases to core deposits | 70.4558% | 6,993 |
| Total domestic deposits to total assets | 91.0043% | 450 |
| Equity capital to assets | 7.3470% | 7,390 |
| Core capital (leverage) ratio | 7.3862% | 7,148 |
| Tier 1 risk-based capital ratio | 15.9296% | 2,649 |
| Total risk-based capital ratio | 16.9119% | 2,676 |
| Memoranda: | ||
| Average total assets | $336,265,000 | 2,061 |
| Average earning assets | $313,073,330 | 2,035 |
| Average equity | $24,485,330 | 2,693 |
| Average total loans | $174,781,330 | 2,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 7,299 |
| Cost of funding earning assets | 2.1750% | 3,297 |
| Net interest margin | 2.6690% | 7,268 |
| Noninterest income to average assets | 1.2270% | 951 |
| Noninterest expense to average assets | 2.6949% | 5,027 |
| Loan and lease loss provision to assets | 0.1574% | 4,917 |
| Net operating income to assets | 0.7834% | 3,200 |
| Return on assets (ROA) | 0.7834% | 3,367 |
| Pretax return on assets | 0.8359% | 3,949 |
| Return on Equity (ROE) | 10.8079% | 2,027 |
| Retained earnings to average equity (ytd only) | 2.9117% | 4,246 |
| Net charge-offs to loans | 0.1518% | 3,746 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 12.6212% | 1,790 |
| Efficiency ratio | 73.0682% | 3,999 |
| Assets per employee ($millions) | 3.6642% | 4,417 |
| Cash dividends to net income (ytd only)* | 73.0594% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 7,085 |
| Loan loss allowance to noncurrent loans | 963.7584% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 7,478 |
| Noncurrent loans to loans | 0.0850% | 7,283 |
| Net loans and leases to total assets | 50.4573% | 6,815 |
| Net loans and leases to deposits | 55.2282% | 7,207 |
| Net loans and leases to core deposits | 69.3606% | 7,059 |
| Total domestic deposits to total assets | 91.3615% | 308 |
| Equity capital to assets | 7.0948% | 7,627 |
| Core capital (leverage) ratio | 7.3712% | 7,300 |
| Tier 1 risk-based capital ratio | 15.3940% | 2,896 |
| Total risk-based capital ratio | 16.2928% | 2,988 |
| Memoranda: | ||
| Average total assets | $335,450,500 | 2,076 |
| Average earning assets | $309,332,500 | 2,064 |
| Average equity | $24,315,500 | 2,730 |
| Average total loans | $173,881,500 | 2,669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4044% | 7,452 |
| Cost of funding earning assets | 2.8383% | 2,536 |
| Net interest margin | 2.5661% | 7,679 |
| Noninterest income to average assets | 1.2981% | 869 |
| Noninterest expense to average assets | 2.7127% | 5,210 |
| Loan and lease loss provision to assets | 0.1282% | 5,727 |
| Net operating income to assets | 0.7798% | 3,525 |
| Return on assets (ROA) | 0.7798% | 3,367 |
| Pretax return on assets | 0.8333% | 3,946 |
| Return on Equity (ROE) | 11.4382% | 1,777 |
| Retained earnings to average equity (ytd only) | 2.9875% | 3,312 |
| Net charge-offs to loans | 0.1498% | 4,708 |
| Credit loss provision to net charge-offs | 171.0843% | 2,991 |
| Earnings coverage of net charge-offs (x) | 12.8353% | 2,200 |
| Efficiency ratio | 73.8312% | 3,611 |
| Assets per employee ($millions) | 3.4365% | 4,838 |
| Cash dividends to net income (ytd only)* | 73.8812% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 7,131 |
| Loan loss allowance to noncurrent loans | 732.6203% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 7,297 |
| Noncurrent loans to loans | 0.1084% | 7,088 |
| Net loans and leases to total assets | 52.4295% | 6,809 |
| Net loans and leases to deposits | 57.5078% | 7,234 |
| Net loans and leases to core deposits | 72.4554% | 7,049 |
| Total domestic deposits to total assets | 91.1694% | 281 |
| Equity capital to assets | 7.4109% | 7,457 |
| Core capital (leverage) ratio | 7.5165% | 7,189 |
| Tier 1 risk-based capital ratio | 14.9507% | 3,070 |
| Total risk-based capital ratio | 15.7896% | 3,197 |
| Memoranda: | ||
| Average total assets | $332,396,400 | 2,011 |
| Average earning assets | $307,786,200 | 1,981 |
| Average equity | $22,661,000 | 2,885 |
| Average total loans | $166,204,200 | 2,685 |