Home > Orange Bank & Trust Company > Performance and Condition Ratios
Orange Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 1,825 |
| Cost of funding earning assets | 1.2364% | 2,707 |
| Net interest margin | 3.8803% | 1,419 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.0554% | 3,503 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.2530% | 1,531 |
| Return on assets (ROA) | 1.2565% | 1,501 |
| Pretax return on assets | 1.6156% | 1,209 |
| Return on Equity (ROE) | 19.4000% | 670 |
| Retained earnings to average equity (ytd only) | 16.0978% | 264 |
| Net charge-offs to loans | 0.0683% | 1,169 |
| Credit loss provision to net charge-offs | 249.8258% | 1,070 |
| Earnings coverage of net charge-offs (x) | 40.8789% | 1,435 |
| Efficiency ratio | 51.5001% | 3,874 |
| Assets per employee ($millions) | 12.5699% | 361 |
| Cash dividends to net income (ytd only)* | 17.0371% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,229 |
| Loan loss allowance to noncurrent loans | 568.9562% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,340 |
| Noncurrent loans to loans | 0.2533% | 2,280 |
| Net loans and leases to total assets | 69.5400% | 1,862 |
| Net loans and leases to deposits | 84.2693% | 1,755 |
| Net loans and leases to core deposits | 84.7389% | 2,401 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 7.0205% | 3,929 |
| Core capital (leverage) ratio | 9.4214% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1564% | 1,814 |
| Memoranda: | ||
| Average total assets | $2,424,391,600 | 486 |
| Average earning assets | $2,301,681,200 | 463 |
| Average equity | $156,996,800 | 653 |
| Average total loans | $1,680,140,400 | 474 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 1,788 |
| Cost of funding earning assets | 1.1224% | 2,678 |
| Net interest margin | 3.8988% | 1,401 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.0356% | 3,503 |
| Loan and lease loss provision to assets | 0.4100% | 203 |
| Net operating income to assets | 1.2153% | 1,754 |
| Return on assets (ROA) | 1.2199% | 1,728 |
| Pretax return on assets | 1.5538% | 1,458 |
| Return on Equity (ROE) | 19.2500% | 795 |
| Retained earnings to average equity (ytd only) | 15.8590% | 474 |
| Net charge-offs to loans | 0.0031% | 2,413 |
| Credit loss provision to net charge-offs | 6,169.2308% | 86 |
| Earnings coverage of net charge-offs (x) | 907.7436% | 178 |
| Efficiency ratio | 50.9797% | 3,836 |
| Assets per employee ($millions) | 12.5028% | 334 |
| Cash dividends to net income (ytd only)* | 17.6351% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,085 |
| Loan loss allowance to noncurrent loans | 213.8827% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 1,171 |
| Noncurrent loans to loans | 0.7057% | 1,172 |
| Net loans and leases to total assets | 68.9900% | 1,947 |
| Net loans and leases to deposits | 79.7415% | 2,074 |
| Net loans and leases to core deposits | 80.2098% | 2,584 |
| Total domestic deposits to total assets | 86.5100% | 2,036 |
| Equity capital to assets | 6.2411% | 3,909 |
| Core capital (leverage) ratio | 9.2588% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9294% | 1,923 |
| Memoranda: | ||
| Average total assets | $2,411,424,250 | 491 |
| Average earning assets | $2,288,962,500 | 464 |
| Average equity | $152,784,500 | 664 |
| Average total loans | $1,663,410,000 | 478 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,715 |
| Cost of funding earning assets | 1.0436% | 2,467 |
| Net interest margin | 3.8758% | 1,472 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.0706% | 3,426 |
| Loan and lease loss provision to assets | 0.5500% | 130 |
| Net operating income to assets | 1.0716% | 2,202 |
| Return on assets (ROA) | 1.0786% | 2,180 |
| Pretax return on assets | 1.3673% | 1,896 |
| Return on Equity (ROE) | 16.9400% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.5484% | 738 |
| Net charge-offs to loans | 0.0193% | 1,511 |
| Credit loss provision to net charge-offs | 986.7925% | 419 |
| Earnings coverage of net charge-offs (x) | 143.9434% | 770 |
| Efficiency ratio | 52.0801% | 3,766 |
| Assets per employee ($millions) | 12.1205% | 364 |
| Cash dividends to net income (ytd only)* | 20.0123% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,350 |
| Loan loss allowance to noncurrent loans | 461.0874% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,107 |
| Noncurrent loans to loans | 0.3146% | 2,015 |
| Net loans and leases to total assets | 67.9500% | 1,962 |
| Net loans and leases to deposits | 78.8036% | 2,061 |
| Net loans and leases to core deposits | 79.2510% | 2,526 |
| Total domestic deposits to total assets | 86.2200% | 2,165 |
| Equity capital to assets | 6.3020% | 4,065 |
| Core capital (leverage) ratio | 8.8590% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4708% | 2,108 |
| Memoranda: | ||
| Average total assets | $2,402,552,000 | 477 |
| Average earning assets | $2,280,896,000 | 457 |
| Average equity | $152,992,333 | 659 |
| Average total loans | $1,648,637,000 | 464 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,833 |
| Cost of funding earning assets | 0.8917% | 2,398 |
| Net interest margin | 3.8155% | 1,656 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.1021% | 3,377 |
| Loan and lease loss provision to assets | 1.0800% | 63 |
| Net operating income to assets | 0.5779% | 3,733 |
| Return on assets (ROA) | 0.5922% | 3,671 |
| Pretax return on assets | 0.7499% | 3,561 |
| Return on Equity (ROE) | 9.2500% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.8229% | 2,814 |
| Net charge-offs to loans | 0.0163% | 1,363 |
| Credit loss provision to net charge-offs | 2,053.0303% | 195 |
| Earnings coverage of net charge-offs (x) | 161.7424% | 585 |
| Efficiency ratio | 53.7579% | 3,626 |
| Assets per employee ($millions) | 12.2261% | 373 |
| Cash dividends to net income (ytd only)* | 37.0423% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,235 |
| Loan loss allowance to noncurrent loans | 316.1176% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 1,552 |
| Noncurrent loans to loans | 0.4763% | 1,523 |
| Net loans and leases to total assets | 67.0000% | 1,948 |
| Net loans and leases to deposits | 80.7041% | 1,769 |
| Net loans and leases to core deposits | 81.3397% | 2,157 |
| Total domestic deposits to total assets | 83.0200% | 3,293 |
| Equity capital to assets | 6.3939% | 4,064 |
| Core capital (leverage) ratio | 9.0675% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6045% | 2,138 |
| Memoranda: | ||
| Average total assets | $2,361,472,500 | 498 |
| Average earning assets | $2,240,250,500 | 476 |
| Average equity | $151,195,000 | 678 |
| Average total loans | $1,616,399,000 | 485 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 2,066 |
| Cost of funding earning assets | 0.2323% | 3,490 |
| Net interest margin | 3.6366% | 1,535 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.9472% | 3,722 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 1.1203% | 2,084 |
| Return on assets (ROA) | 1.1199% | 2,029 |
| Pretax return on assets | 1.4009% | 1,767 |
| Return on Equity (ROE) | 16.8200% | 887 |
| Retained earnings to average equity (ytd only) | 13.7489% | 415 |
| Net charge-offs to loans | 0.3705% | 206 |
| Credit loss provision to net charge-offs | 178.0210% | 1,189 |
| Earnings coverage of net charge-offs (x) | 7.7705% | 2,294 |
| Efficiency ratio | 51.7167% | 4,009 |
| Assets per employee ($millions) | 11.8631% | 404 |
| Cash dividends to net income (ytd only)* | 18.2369% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 1,530 |
| Loan loss allowance to noncurrent loans | 258.7650% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,384 |
| Noncurrent loans to loans | 0.5376% | 1,372 |
| Net loans and leases to total assets | 67.9400% | 1,834 |
| Net loans and leases to deposits | 78.1971% | 1,924 |
| Net loans and leases to core deposits | 78.8651% | 2,207 |
| Total domestic deposits to total assets | 86.8900% | 2,426 |
| Equity capital to assets | 6.4119% | 3,934 |
| Core capital (leverage) ratio | 9.0925% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9478% | 1,997 |
| Memoranda: | ||
| Average total assets | $2,285,116,400 | 496 |
| Average earning assets | $2,176,916,000 | 472 |
| Average equity | $152,186,400 | 672 |
| Average total loans | $1,442,945,200 | 498 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 2,396 |
| Cost of funding earning assets | 0.1536% | 3,814 |
| Net interest margin | 3.4276% | 1,876 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9059% | 3,738 |
| Loan and lease loss provision to assets | 0.5000% | 104 |
| Net operating income to assets | 0.9423% | 2,695 |
| Return on assets (ROA) | 0.9418% | 2,664 |
| Pretax return on assets | 1.1632% | 2,511 |
| Return on Equity (ROE) | 14.0100% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.0864% | 1,031 |
| Net charge-offs to loans | 0.3108% | 207 |
| Credit loss provision to net charge-offs | 258.8754% | 886 |
| Earnings coverage of net charge-offs (x) | 8.6568% | 2,038 |
| Efficiency ratio | 53.4411% | 3,875 |
| Assets per employee ($millions) | 12.1004% | 370 |
| Cash dividends to net income (ytd only)* | 20.8741% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 1,358 |
| Loan loss allowance to noncurrent loans | 224.7888% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 1,261 |
| Noncurrent loans to loans | 0.6579% | 1,239 |
| Net loans and leases to total assets | 64.6200% | 2,023 |
| Net loans and leases to deposits | 69.4572% | 2,414 |
| Net loans and leases to core deposits | 70.0619% | 2,638 |
| Total domestic deposits to total assets | 93.0400% | 570 |
| Equity capital to assets | 6.0937% | 3,927 |
| Core capital (leverage) ratio | 8.4757% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6007% | 2,215 |
| Memoranda: | ||
| Average total assets | $2,286,964,500 | 493 |
| Average earning assets | $2,181,540,000 | 470 |
| Average equity | $153,721,500 | 674 |
| Average total loans | $1,411,324,000 | 498 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 2,704 |
| Cost of funding earning assets | 0.1260% | 3,897 |
| Net interest margin | 3.1843% | 2,243 |
| Noninterest income to average assets | 0.2973% | 3,383 |
| Noninterest expense to average assets | 1.8986% | 3,703 |
| Loan and lease loss provision to assets | 0.5686% | 93 |
| Net operating income to assets | 0.7083% | 3,286 |
| Return on assets (ROA) | 0.7083% | 3,235 |
| Pretax return on assets | 0.8700% | 3,147 |
| Return on Equity (ROE) | 10.2068% | 2,265 |
| Retained earnings to average equity (ytd only) | 7.3449% | 1,868 |
| Net charge-offs to loans | 0.0660% | 759 |
| Credit loss provision to net charge-offs | 1,426.3858% | 317 |
| Earnings coverage of net charge-offs (x) | 36.0887% | 1,308 |
| Efficiency ratio | 56.8916% | 3,691 |
| Assets per employee ($millions) | 12.0358% | 375 |
| Cash dividends to net income (ytd only)* | 28.0384% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,135 |
| Loan loss allowance to noncurrent loans | 115.7050% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 603 |
| Noncurrent loans to loans | 1.3884% | 546 |
| Net loans and leases to total assets | 60.7651% | 2,240 |
| Net loans and leases to deposits | 65.2407% | 2,611 |
| Net loans and leases to core deposits | 65.8202% | 2,837 |
| Total domestic deposits to total assets | 93.1399% | 483 |
| Equity capital to assets | 6.0981% | 4,177 |
| Core capital (leverage) ratio | 8.0897% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1716% | 2,429 |
| Memoranda: | ||
| Average total assets | $2,262,762,000 | 494 |
| Average earning assets | $2,160,086,000 | 474 |
| Average equity | $157,033,333 | 673 |
| Average total loans | $1,365,864,000 | 508 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 2,435 |
| Cost of funding earning assets | 0.1251% | 3,833 |
| Net interest margin | 3.1591% | 1,994 |
| Noninterest income to average assets | 0.2955% | 3,351 |
| Noninterest expense to average assets | 1.8956% | 3,694 |
| Loan and lease loss provision to assets | 0.1676% | 470 |
| Net operating income to assets | 1.0074% | 1,851 |
| Return on assets (ROA) | 1.0074% | 1,845 |
| Pretax return on assets | 1.2491% | 1,659 |
| Return on Equity (ROE) | 13.6216% | 909 |
| Retained earnings to average equity (ytd only) | 10.8639% | 807 |
| Net charge-offs to loans | 0.0478% | 812 |
| Credit loss provision to net charge-offs | 587.8981% | 476 |
| Earnings coverage of net charge-offs (x) | 49.6879% | 930 |
| Efficiency ratio | 57.2290% | 3,758 |
| Assets per employee ($millions) | 12.4142% | 354 |
| Cash dividends to net income (ytd only)* | 20.2452% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,985 |
| Loan loss allowance to noncurrent loans | 270.8658% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 1,921 |
| Noncurrent loans to loans | 0.5098% | 1,749 |
| Net loans and leases to total assets | 57.9279% | 2,307 |
| Net loans and leases to deposits | 62.6826% | 2,657 |
| Net loans and leases to core deposits | 63.2489% | 2,862 |
| Total domestic deposits to total assets | 92.4147% | 428 |
| Equity capital to assets | 6.7744% | 4,305 |
| Core capital (leverage) ratio | 8.0344% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6473% | 2,366 |
| Memoranda: | ||
| Average total assets | $2,202,599,500 | 507 |
| Average earning assets | $2,103,360,500 | 492 |
| Average equity | $162,888,000 | 667 |
| Average total loans | $1,312,932,000 | 519 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 2,893 |
| Cost of funding earning assets | 0.1527% | 3,941 |
| Net interest margin | 3.2642% | 2,424 |
| Noninterest income to average assets | 0.3290% | 3,444 |
| Noninterest expense to average assets | 1.9582% | 3,799 |
| Loan and lease loss provision to assets | 0.1227% | 1,004 |
| Net operating income to assets | 1.0812% | 2,363 |
| Return on assets (ROA) | 1.0812% | 2,434 |
| Pretax return on assets | 1.3576% | 2,180 |
| Return on Equity (ROE) | 13.9255% | 1,209 |
| Retained earnings to average equity (ytd only) | 11.3038% | 647 |
| Net charge-offs to loans | 0.0752% | 1,036 |
| Credit loss provision to net charge-offs | 258.2979% | 1,150 |
| Earnings coverage of net charge-offs (x) | 31.1702% | 1,584 |
| Efficiency ratio | 56.9510% | 3,585 |
| Assets per employee ($millions) | 11.9184% | 405 |
| Cash dividends to net income (ytd only)* | 18.8262% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 2,061 |
| Loan loss allowance to noncurrent loans | 297.1731% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 2,152 |
| Noncurrent loans to loans | 0.4602% | 1,982 |
| Net loans and leases to total assets | 59.7062% | 2,185 |
| Net loans and leases to deposits | 65.6366% | 2,543 |
| Net loans and leases to core deposits | 66.4189% | 2,784 |
| Total domestic deposits to total assets | 90.9648% | 503 |
| Equity capital to assets | 8.0564% | 4,326 |
| Core capital (leverage) ratio | 8.1455% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1181% | 2,197 |
| Memoranda: | ||
| Average total assets | $1,979,448,200 | 535 |
| Average earning assets | $1,885,621,200 | 524 |
| Average equity | $153,682,600 | 698 |
| Average total loans | $1,249,694,000 | 544 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 3,067 |
| Cost of funding earning assets | 0.1597% | 4,018 |
| Net interest margin | 3.2524% | 2,579 |
| Noninterest income to average assets | 0.3309% | 3,450 |
| Noninterest expense to average assets | 1.9346% | 3,849 |
| Loan and lease loss provision to assets | 0.1294% | 901 |
| Net operating income to assets | 1.0948% | 2,576 |
| Return on assets (ROA) | 1.0948% | 2,633 |
| Pretax return on assets | 1.3628% | 2,457 |
| Return on Equity (ROE) | 14.2481% | 1,326 |
| Retained earnings to average equity (ytd only) | 11.6500% | 910 |
| Net charge-offs to loans | 0.0015% | 2,361 |
| Credit loss provision to net charge-offs | 13,450.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,551.5714% | 93 |
| Efficiency ratio | 56.4558% | 3,476 |
| Assets per employee ($millions) | 12.0379% | 365 |
| Cash dividends to net income (ytd only)* | 18.2343% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 2,012 |
| Loan loss allowance to noncurrent loans | 583.0963% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 3,157 |
| Noncurrent loans to loans | 0.2403% | 2,971 |
| Net loans and leases to total assets | 58.5900% | 2,412 |
| Net loans and leases to deposits | 64.1662% | 2,831 |
| Net loans and leases to core deposits | 64.9468% | 3,049 |
| Total domestic deposits to total assets | 91.3098% | 286 |
| Equity capital to assets | 7.8344% | 4,595 |
| Core capital (leverage) ratio | 8.2717% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4486% | 2,184 |
| Memoranda: | ||
| Average total assets | $1,940,962,000 | 552 |
| Average earning assets | $1,847,506,250 | 537 |
| Average equity | $149,134,500 | 725 |
| Average total loans | $1,239,260,500 | 554 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 3,119 |
| Cost of funding earning assets | 0.1691% | 4,051 |
| Net interest margin | 3.2503% | 2,607 |
| Noninterest income to average assets | 0.3376% | 3,414 |
| Noninterest expense to average assets | 1.9718% | 3,783 |
| Loan and lease loss provision to assets | 0.0938% | 1,338 |
| Net operating income to assets | 1.1036% | 2,535 |
| Return on assets (ROA) | 1.1036% | 2,601 |
| Pretax return on assets | 1.3717% | 2,413 |
| Return on Equity (ROE) | 14.4734% | 1,291 |
| Retained earnings to average equity (ytd only) | 11.9668% | 926 |
| Net charge-offs to loans | -0.0002% | 3,021 |
| Credit loss provision to net charge-offs | -87,500.0000% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3647% | 3,357 |
| Assets per employee ($millions) | 10.8697% | 477 |
| Cash dividends to net income (ytd only)* | 17.3191% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,313 |
| Loan loss allowance to noncurrent loans | 692.2046% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 3,432 |
| Noncurrent loans to loans | 0.1914% | 3,270 |
| Net loans and leases to total assets | 62.1400% | 2,165 |
| Net loans and leases to deposits | 67.5467% | 2,662 |
| Net loans and leases to core deposits | 68.4462% | 2,922 |
| Total domestic deposits to total assets | 91.9956% | 126 |
| Equity capital to assets | 7.2347% | 4,798 |
| Core capital (leverage) ratio | 7.5570% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3803% | 2,587 |
| Memoranda: | ||
| Average total assets | $1,865,677,667 | 567 |
| Average earning assets | $1,779,285,667 | 551 |
| Average equity | $142,260,667 | 759 |
| Average total loans | $1,223,154,667 | 562 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 2,964 |
| Cost of funding earning assets | 0.1772% | 4,101 |
| Net interest margin | 3.3097% | 2,366 |
| Noninterest income to average assets | 0.4118% | 3,032 |
| Noninterest expense to average assets | 2.1250% | 3,347 |
| Loan and lease loss provision to assets | 0.0149% | 2,589 |
| Net operating income to assets | 1.1464% | 2,343 |
| Return on assets (ROA) | 1.1464% | 2,411 |
| Pretax return on assets | 1.4264% | 2,205 |
| Return on Equity (ROE) | 14.6038% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.0513% | 1,130 |
| Net charge-offs to loans | -0.0151% | 3,860 |
| Credit loss provision to net charge-offs | -146.6667% | 2,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5859% | 3,077 |
| Assets per employee ($millions) | 11.2418% | 416 |
| Cash dividends to net income (ytd only)* | 17.4784% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,335 |
| Loan loss allowance to noncurrent loans | 668.4319% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 3,532 |
| Noncurrent loans to loans | 0.1978% | 3,402 |
| Net loans and leases to total assets | 63.9700% | 2,046 |
| Net loans and leases to deposits | 69.7900% | 2,528 |
| Net loans and leases to core deposits | 70.7598% | 2,805 |
| Total domestic deposits to total assets | 91.6607% | 204 |
| Equity capital to assets | 7.4788% | 4,716 |
| Core capital (leverage) ratio | 8.1860% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6370% | 2,430 |
| Memoranda: | ||
| Average total assets | $1,776,763,000 | 588 |
| Average earning assets | $1,693,445,500 | 564 |
| Average equity | $139,470,500 | 766 |
| Average total loans | $1,191,289,500 | 576 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 3,362 |
| Cost of funding earning assets | 0.3036% | 4,123 |
| Net interest margin | 3.4753% | 2,549 |
| Noninterest income to average assets | 0.3633% | 3,293 |
| Noninterest expense to average assets | 2.3951% | 3,144 |
| Loan and lease loss provision to assets | 0.3605% | 940 |
| Net operating income to assets | 0.7461% | 3,274 |
| Return on assets (ROA) | 0.7906% | 3,247 |
| Pretax return on assets | 0.9526% | 3,212 |
| Return on Equity (ROE) | 9.7113% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.7779% | 1,469 |
| Net charge-offs to loans | 0.1485% | 1,100 |
| Credit loss provision to net charge-offs | 357.0580% | 1,563 |
| Earnings coverage of net charge-offs (x) | 12.4763% | 2,332 |
| Efficiency ratio | 65.5357% | 2,601 |
| Assets per employee ($millions) | 9.7274% | 578 |
| Cash dividends to net income (ytd only)* | 30.2055% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,952 |
| Loan loss allowance to noncurrent loans | 641.2371% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 3,518 |
| Noncurrent loans to loans | 0.2191% | 3,417 |
| Net loans and leases to total assets | 68.6224% | 1,749 |
| Net loans and leases to deposits | 75.6148% | 2,318 |
| Net loans and leases to core deposits | 76.8305% | 2,648 |
| Total domestic deposits to total assets | 90.7526% | 293 |
| Equity capital to assets | 8.2758% | 4,584 |
| Core capital (leverage) ratio | 8.0817% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3777% | 2,493 |
| Memoranda: | ||
| Average total assets | $1,501,666,000 | 616 |
| Average earning assets | $1,422,156,000 | 596 |
| Average equity | $122,249,800 | 810 |
| Average total loans | $1,020,970,400 | 626 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 3,574 |
| Cost of funding earning assets | 0.3320% | 4,141 |
| Net interest margin | 3.4666% | 2,701 |
| Noninterest income to average assets | 0.3505% | 3,364 |
| Noninterest expense to average assets | 2.4365% | 3,034 |
| Loan and lease loss provision to assets | 0.3394% | 1,139 |
| Net operating income to assets | 0.7055% | 3,440 |
| Return on assets (ROA) | 0.7663% | 3,338 |
| Pretax return on assets | 0.9269% | 3,308 |
| Return on Equity (ROE) | 9.4568% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.4327% | 1,910 |
| Net charge-offs to loans | 0.1408% | 1,034 |
| Credit loss provision to net charge-offs | 356.8008% | 1,590 |
| Earnings coverage of net charge-offs (x) | 12.5441% | 2,246 |
| Efficiency ratio | 67.1310% | 2,297 |
| Assets per employee ($millions) | 10.0933% | 493 |
| Cash dividends to net income (ytd only)* | 31.9781% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,786 |
| Loan loss allowance to noncurrent loans | 531.4854% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 3,597 |
| Noncurrent loans to loans | 0.2612% | 3,365 |
| Net loans and leases to total assets | 61.9098% | 3,021 |
| Net loans and leases to deposits | 67.3715% | 3,524 |
| Net loans and leases to core deposits | 68.5038% | 3,732 |
| Total domestic deposits to total assets | 91.8931% | 61 |
| Equity capital to assets | 7.1576% | 4,926 |
| Core capital (leverage) ratio | 7.6477% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3148% | 2,498 |
| Memoranda: | ||
| Average total assets | $1,463,668,000 | 612 |
| Average earning assets | $1,384,426,750 | 595 |
| Average equity | $118,599,000 | 828 |
| Average total loans | $988,475,250 | 637 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,481 |
| Cost of funding earning assets | 0.3606% | 4,224 |
| Net interest margin | 3.5848% | 2,536 |
| Noninterest income to average assets | 0.3671% | 3,275 |
| Noninterest expense to average assets | 2.5297% | 2,882 |
| Loan and lease loss provision to assets | 0.3639% | 1,153 |
| Net operating income to assets | 0.7128% | 3,351 |
| Return on assets (ROA) | 0.7833% | 3,212 |
| Pretax return on assets | 0.9466% | 3,190 |
| Return on Equity (ROE) | 9.2206% | 2,271 |
| Retained earnings to average equity (ytd only) | 6.1590% | 2,009 |
| Net charge-offs to loans | 0.1485% | 972 |
| Credit loss provision to net charge-offs | 352.5281% | 1,508 |
| Earnings coverage of net charge-offs (x) | 11.8736% | 2,088 |
| Efficiency ratio | 67.3641% | 2,327 |
| Assets per employee ($millions) | 9.3094% | 621 |
| Cash dividends to net income (ytd only)* | 33.2038% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,808 |
| Loan loss allowance to noncurrent loans | 833.6493% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,994 |
| Noncurrent loans to loans | 0.1612% | 3,807 |
| Net loans and leases to total assets | 65.6786% | 2,671 |
| Net loans and leases to deposits | 71.8475% | 3,273 |
| Net loans and leases to core deposits | 73.2006% | 3,507 |
| Total domestic deposits to total assets | 91.4139% | 95 |
| Equity capital to assets | 7.6699% | 4,837 |
| Core capital (leverage) ratio | 8.1581% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7976% | 2,272 |
| Memoranda: | ||
| Average total assets | $1,379,602,333 | 633 |
| Average earning assets | $1,303,933,667 | 613 |
| Average equity | $117,193,667 | 825 |
| Average total loans | $958,885,667 | 647 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 3,150 |
| Cost of funding earning assets | 0.4133% | 4,316 |
| Net interest margin | 3.8063% | 1,944 |
| Noninterest income to average assets | 0.4185% | 2,980 |
| Noninterest expense to average assets | 2.6368% | 2,865 |
| Loan and lease loss provision to assets | 0.3742% | 828 |
| Net operating income to assets | 0.8176% | 2,844 |
| Return on assets (ROA) | 0.8176% | 2,933 |
| Pretax return on assets | 0.9888% | 2,871 |
| Return on Equity (ROE) | 9.0840% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.9798% | 1,882 |
| Net charge-offs to loans | -0.0031% | 3,729 |
| Credit loss provision to net charge-offs | -17,142.8571% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9234% | 2,974 |
| Assets per employee ($millions) | 8.3119% | 659 |
| Cash dividends to net income (ytd only)* | 34.1724% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,561 |
| Loan loss allowance to noncurrent loans | 401.3397% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,455 |
| Noncurrent loans to loans | 0.3579% | 3,214 |
| Net loans and leases to total assets | 68.7022% | 2,436 |
| Net loans and leases to deposits | 76.1851% | 3,056 |
| Net loans and leases to core deposits | 77.9186% | 3,360 |
| Total domestic deposits to total assets | 90.1779% | 273 |
| Equity capital to assets | 8.7788% | 4,703 |
| Core capital (leverage) ratio | 9.1314% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5376% | 2,461 |
| Memoranda: | ||
| Average total assets | $1,282,763,000 | 651 |
| Average earning assets | $1,206,941,500 | 636 |
| Average equity | $115,456,000 | 828 |
| Average total loans | $914,638,000 | 659 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 3,154 |
| Cost of funding earning assets | 0.4278% | 4,348 |
| Net interest margin | 4.0064% | 1,839 |
| Noninterest income to average assets | 0.4456% | 3,025 |
| Noninterest expense to average assets | 2.7961% | 2,612 |
| Loan and lease loss provision to assets | 0.1881% | 1,092 |
| Net operating income to assets | 0.9844% | 2,898 |
| Return on assets (ROA) | 0.9690% | 3,038 |
| Pretax return on assets | 1.1832% | 2,899 |
| Return on Equity (ROE) | 11.1391% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.6008% | 1,119 |
| Net charge-offs to loans | 0.0711% | 2,083 |
| Credit loss provision to net charge-offs | 376.5009% | 739 |
| Earnings coverage of net charge-offs (x) | 27.8182% | 1,647 |
| Efficiency ratio | 66.7923% | 2,648 |
| Assets per employee ($millions) | 7.4785% | 872 |
| Cash dividends to net income (ytd only)* | 31.7647% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,600 |
| Loan loss allowance to noncurrent loans | 550.2017% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,737 |
| Noncurrent loans to loans | 0.2505% | 3,551 |
| Net loans and leases to total assets | 72.0613% | 2,084 |
| Net loans and leases to deposits | 80.8162% | 2,682 |
| Net loans and leases to core deposits | 82.9040% | 3,050 |
| Total domestic deposits to total assets | 89.1670% | 603 |
| Equity capital to assets | 9.2455% | 4,533 |
| Core capital (leverage) ratio | 9.3889% | 4,179 |
| Tier 1 risk-based capital ratio | 12.5186% | 4,058 |
| Total risk-based capital ratio | 13.7703% | 3,940 |
| Memoranda: | ||
| Average total assets | $1,166,642,200 | 678 |
| Average earning assets | $1,089,246,200 | 666 |
| Average equity | $101,489,000 | 892 |
| Average total loans | $819,421,200 | 699 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 3,301 |
| Cost of funding earning assets | 0.4116% | 4,463 |
| Net interest margin | 4.0027% | 1,927 |
| Noninterest income to average assets | 0.4552% | 2,990 |
| Noninterest expense to average assets | 2.7845% | 2,605 |
| Loan and lease loss provision to assets | 0.1919% | 932 |
| Net operating income to assets | 0.9944% | 3,001 |
| Return on assets (ROA) | 0.9737% | 3,154 |
| Pretax return on assets | 1.1862% | 3,023 |
| Return on Equity (ROE) | 11.3813% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.7402% | 1,521 |
| Net charge-offs to loans | -0.0037% | 4,140 |
| Credit loss provision to net charge-offs | -7,545.4545% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4891% | 2,665 |
| Assets per employee ($millions) | 7.2672% | 923 |
| Cash dividends to net income (ytd only)* | 31.9919% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 1,493 |
| Loan loss allowance to noncurrent loans | 471.9037% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 3,723 |
| Noncurrent loans to loans | 0.3013% | 3,458 |
| Net loans and leases to total assets | 69.2794% | 2,587 |
| Net loans and leases to deposits | 76.7815% | 3,223 |
| Net loans and leases to core deposits | 78.6490% | 3,494 |
| Total domestic deposits to total assets | 90.2292% | 233 |
| Equity capital to assets | 8.4078% | 5,031 |
| Core capital (leverage) ratio | 8.9476% | 4,673 |
| Tier 1 risk-based capital ratio | 12.1555% | 4,337 |
| Total risk-based capital ratio | 13.4081% | 4,221 |
| Memoranda: | ||
| Average total assets | $1,153,552,250 | 688 |
| Average earning assets | $1,075,752,000 | 676 |
| Average equity | $98,685,500 | 911 |
| Average total loans | $801,600,500 | 716 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 3,522 |
| Cost of funding earning assets | 0.3832% | 4,571 |
| Net interest margin | 3.9538% | 2,082 |
| Noninterest income to average assets | 0.4495% | 2,960 |
| Noninterest expense to average assets | 2.8146% | 2,534 |
| Loan and lease loss provision to assets | 0.1811% | 984 |
| Net operating income to assets | 0.9477% | 3,101 |
| Return on assets (ROA) | 0.9158% | 3,281 |
| Pretax return on assets | 1.1104% | 3,203 |
| Return on Equity (ROE) | 10.6377% | 2,119 |
| Retained earnings to average equity (ytd only) | 6.9289% | 1,842 |
| Net charge-offs to loans | -0.0421% | 4,782 |
| Credit loss provision to net charge-offs | -621.9512% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9034% | 2,548 |
| Assets per employee ($millions) | 8.0010% | 676 |
| Cash dividends to net income (ytd only)* | 34.8652% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,464 |
| Loan loss allowance to noncurrent loans | 651.6502% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,006 |
| Noncurrent loans to loans | 0.2207% | 3,751 |
| Net loans and leases to total assets | 67.6495% | 2,867 |
| Net loans and leases to deposits | 75.0041% | 3,425 |
| Net loans and leases to core deposits | 77.0902% | 3,640 |
| Total domestic deposits to total assets | 90.1944% | 285 |
| Equity capital to assets | 8.4261% | 5,068 |
| Core capital (leverage) ratio | 9.2252% | 4,429 |
| Tier 1 risk-based capital ratio | 12.5431% | 4,101 |
| Total risk-based capital ratio | 13.7960% | 3,994 |
| Memoranda: | ||
| Average total assets | $1,126,259,330 | 700 |
| Average earning assets | $1,052,717,330 | 688 |
| Average equity | $96,956,670 | 919 |
| Average total loans | $779,386,000 | 734 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 3,424 |
| Cost of funding earning assets | 0.3364% | 4,718 |
| Net interest margin | 4.0079% | 1,834 |
| Noninterest income to average assets | 0.4557% | 2,822 |
| Noninterest expense to average assets | 2.9259% | 2,198 |
| Loan and lease loss provision to assets | 0.2203% | 708 |
| Net operating income to assets | 0.8753% | 3,329 |
| Return on assets (ROA) | 0.8336% | 3,543 |
| Pretax return on assets | 1.0036% | 3,424 |
| Return on Equity (ROE) | 9.5707% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.7762% | 2,555 |
| Net charge-offs to loans | -0.1020% | 5,035 |
| Credit loss provision to net charge-offs | -310.8808% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6625% | 2,398 |
| Assets per employee ($millions) | 7.4828% | 825 |
| Cash dividends to net income (ytd only)* | 39.6476% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,417 |
| Loan loss allowance to noncurrent loans | 637.2080% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 3,984 |
| Noncurrent loans to loans | 0.2313% | 3,748 |
| Net loans and leases to total assets | 68.2355% | 2,726 |
| Net loans and leases to deposits | 76.1702% | 3,244 |
| Net loans and leases to core deposits | 78.2354% | 3,496 |
| Total domestic deposits to total assets | 89.5828% | 607 |
| Equity capital to assets | 8.5706% | 4,944 |
| Core capital (leverage) ratio | 9.4107% | 4,245 |
| Tier 1 risk-based capital ratio | 13.0123% | 3,872 |
| Total risk-based capital ratio | 14.2659% | 3,771 |
| Memoranda: | ||
| Average total assets | $1,089,315,500 | 731 |
| Average earning assets | $1,017,688,500 | 715 |
| Average equity | $94,872,500 | 932 |
| Average total loans | $757,209,000 | 761 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,816 |
| Cost of funding earning assets | 0.2739% | 4,687 |
| Net interest margin | 3.8022% | 2,650 |
| Noninterest income to average assets | 0.4732% | 2,980 |
| Noninterest expense to average assets | 2.8854% | 2,407 |
| Loan and lease loss provision to assets | 0.2410% | 725 |
| Net operating income to assets | 0.7339% | 4,029 |
| Return on assets (ROA) | 0.7339% | 4,032 |
| Pretax return on assets | 0.8772% | 3,961 |
| Return on Equity (ROE) | 8.8290% | 3,079 |
| Retained earnings to average equity (ytd only) | 4.9892% | 2,772 |
| Net charge-offs to loans | 0.0501% | 2,435 |
| Credit loss provision to net charge-offs | 751.5244% | 477 |
| Earnings coverage of net charge-offs (x) | 34.8628% | 1,454 |
| Efficiency ratio | 72.0702% | 1,888 |
| Assets per employee ($millions) | 7.0901% | 939 |
| Cash dividends to net income (ytd only)* | 43.4910% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,462 |
| Loan loss allowance to noncurrent loans | 530.7616% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 3,867 |
| Noncurrent loans to loans | 0.2726% | 3,600 |
| Net loans and leases to total assets | 68.7618% | 2,770 |
| Net loans and leases to deposits | 79.3612% | 3,021 |
| Net loans and leases to core deposits | 81.9254% | 3,267 |
| Total domestic deposits to total assets | 86.6440% | 1,945 |
| Equity capital to assets | 8.8283% | 4,708 |
| Core capital (leverage) ratio | 9.6260% | 3,979 |
| Tier 1 risk-based capital ratio | 13.6115% | 3,487 |
| Total risk-based capital ratio | 14.8650% | 3,395 |
| Memoranda: | ||
| Average total assets | $1,022,624,800 | 748 |
| Average earning assets | $949,539,000 | 737 |
| Average equity | $85,003,600 | 983 |
| Average total loans | $654,040,200 | 836 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 4,020 |
| Cost of funding earning assets | 0.2595% | 4,730 |
| Net interest margin | 3.7110% | 2,979 |
| Noninterest income to average assets | 0.4818% | 2,971 |
| Noninterest expense to average assets | 2.8891% | 2,336 |
| Loan and lease loss provision to assets | 0.2399% | 663 |
| Net operating income to assets | 0.6543% | 4,356 |
| Return on assets (ROA) | 0.6543% | 4,371 |
| Pretax return on assets | 0.7927% | 4,314 |
| Return on Equity (ROE) | 8.0009% | 3,550 |
| Retained earnings to average equity (ytd only) | 4.2022% | 3,672 |
| Net charge-offs to loans | 0.0482% | 2,139 |
| Credit loss provision to net charge-offs | 796.9432% | 489 |
| Earnings coverage of net charge-offs (x) | 34.3008% | 1,487 |
| Efficiency ratio | 73.6683% | 1,645 |
| Assets per employee ($millions) | 7.2202% | 865 |
| Cash dividends to net income (ytd only)* | 47.4785% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,414 |
| Loan loss allowance to noncurrent loans | 441.4304% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 3,862 |
| Noncurrent loans to loans | 0.3352% | 3,462 |
| Net loans and leases to total assets | 63.4933% | 3,487 |
| Net loans and leases to deposits | 70.7901% | 3,856 |
| Net loans and leases to core deposits | 73.1116% | 4,004 |
| Total domestic deposits to total assets | 89.6925% | 600 |
| Equity capital to assets | 7.7304% | 5,262 |
| Core capital (leverage) ratio | 8.7714% | 4,904 |
| Tier 1 risk-based capital ratio | 12.9337% | 3,946 |
| Total risk-based capital ratio | 14.1871% | 3,849 |
| Memoranda: | ||
| Average total assets | $1,014,176,000 | 750 |
| Average earning assets | $940,106,000 | 744 |
| Average equity | $82,938,500 | 999 |
| Average total loans | $633,281,250 | 859 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 4,019 |
| Cost of funding earning assets | 0.2471% | 4,758 |
| Net interest margin | 3.6727% | 3,031 |
| Noninterest income to average assets | 0.4850% | 2,948 |
| Noninterest expense to average assets | 2.9179% | 2,296 |
| Loan and lease loss provision to assets | 0.2574% | 595 |
| Net operating income to assets | 0.5881% | 4,531 |
| Return on assets (ROA) | 0.5881% | 4,531 |
| Pretax return on assets | 0.7193% | 4,462 |
| Return on Equity (ROE) | 7.0547% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.2702% | 3,934 |
| Net charge-offs to loans | 0.0743% | 1,586 |
| Credit loss provision to net charge-offs | 561.1354% | 660 |
| Earnings coverage of net charge-offs (x) | 21.2926% | 1,779 |
| Efficiency ratio | 74.9216% | 1,575 |
| Assets per employee ($millions) | 7.3229% | 822 |
| Cash dividends to net income (ytd only)* | 53.6444% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,523 |
| Loan loss allowance to noncurrent loans | 390.7830% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,806 |
| Noncurrent loans to loans | 0.3737% | 3,356 |
| Net loans and leases to total assets | 62.1867% | 3,579 |
| Net loans and leases to deposits | 69.4646% | 3,904 |
| Net loans and leases to core deposits | 71.7355% | 4,026 |
| Total domestic deposits to total assets | 89.5229% | 731 |
| Equity capital to assets | 7.9079% | 5,259 |
| Core capital (leverage) ratio | 8.9452% | 4,732 |
| Tier 1 risk-based capital ratio | 13.3791% | 3,688 |
| Total risk-based capital ratio | 14.6323% | 3,606 |
| Memoranda: | ||
| Average total assets | $998,445,330 | 764 |
| Average earning assets | $926,936,670 | 754 |
| Average equity | $83,235,330 | 991 |
| Average total loans | $616,368,330 | 871 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,925 |
| Cost of funding earning assets | 0.2376% | 4,780 |
| Net interest margin | 3.6615% | 2,952 |
| Noninterest income to average assets | 0.4952% | 2,831 |
| Noninterest expense to average assets | 2.9555% | 2,192 |
| Loan and lease loss provision to assets | 0.2206% | 713 |
| Net operating income to assets | 0.5654% | 4,528 |
| Return on assets (ROA) | 0.5654% | 4,530 |
| Pretax return on assets | 0.7068% | 4,423 |
| Return on Equity (ROE) | 6.5094% | 3,976 |
| Retained earnings to average equity (ytd only) | 2.8079% | 4,068 |
| Net charge-offs to loans | 0.0235% | 2,034 |
| Credit loss provision to net charge-offs | 1,542.8571% | 231 |
| Earnings coverage of net charge-offs (x) | 64.8571% | 798 |
| Efficiency ratio | 76.1153% | 1,578 |
| Assets per employee ($millions) | 7.0273% | 946 |
| Cash dividends to net income (ytd only)* | 56.8642% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,592 |
| Loan loss allowance to noncurrent loans | 411.4351% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 4,002 |
| Noncurrent loans to loans | 0.3565% | 3,492 |
| Net loans and leases to total assets | 60.3720% | 3,715 |
| Net loans and leases to deposits | 68.1923% | 3,934 |
| Net loans and leases to core deposits | 76.3633% | 3,641 |
| Total domestic deposits to total assets | 88.5320% | 1,339 |
| Equity capital to assets | 8.3660% | 5,070 |
| Core capital (leverage) ratio | 9.2305% | 4,397 |
| Tier 1 risk-based capital ratio | 13.9641% | 3,397 |
| Total risk-based capital ratio | 15.2170% | 3,308 |
| Memoranda: | ||
| Average total assets | $979,053,500 | 780 |
| Average earning assets | $905,857,500 | 774 |
| Average equity | $85,046,000 | 982 |
| Average total loans | $596,439,000 | 896 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,204 |
| Cost of funding earning assets | 0.3036% | 4,107 |
| Net interest margin | 3.4518% | 3,684 |
| Noninterest income to average assets | 0.4830% | 3,108 |
| Noninterest expense to average assets | 2.8563% | 2,591 |
| Loan and lease loss provision to assets | 0.1859% | 1,145 |
| Net operating income to assets | 0.2575% | 5,010 |
| Return on assets (ROA) | 0.2776% | 4,984 |
| Pretax return on assets | 0.6518% | 4,625 |
| Return on Equity (ROE) | 3.0513% | 4,815 |
| Retained earnings to average equity (ytd only) | -0.6518% | 5,138 |
| Net charge-offs to loans | 0.1791% | 1,394 |
| Credit loss provision to net charge-offs | 179.4355% | 1,508 |
| Earnings coverage of net charge-offs (x) | 7.7833% | 2,993 |
| Efficiency ratio | 77.9884% | 1,353 |
| Assets per employee ($millions) | 6.8529% | 1,038 |
| Cash dividends to net income (ytd only)* | 121.3614% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,490 |
| Loan loss allowance to noncurrent loans | 204.3134% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 3,120 |
| Noncurrent loans to loans | 0.7223% | 2,401 |
| Net loans and leases to total assets | 59.7597% | 3,852 |
| Net loans and leases to deposits | 68.1994% | 4,011 |
| Net loans and leases to core deposits | 77.4471% | 3,633 |
| Total domestic deposits to total assets | 87.6249% | 1,688 |
| Equity capital to assets | 8.9581% | 4,766 |
| Core capital (leverage) ratio | 8.2952% | 5,288 |
| Tier 1 risk-based capital ratio | 13.2233% | 3,774 |
| Total risk-based capital ratio | 14.4764% | 3,702 |
| Memoranda: | ||
| Average total assets | $957,742,200 | 772 |
| Average earning assets | $882,189,200 | 768 |
| Average equity | $87,144,600 | 934 |
| Average total loans | $553,904,400 | 931 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,302 |
| Cost of funding earning assets | 0.3197% | 3,936 |
| Net interest margin | 3.3886% | 3,890 |
| Noninterest income to average assets | 0.5143% | 2,942 |
| Noninterest expense to average assets | 2.8382% | 2,603 |
| Loan and lease loss provision to assets | 0.1991% | 954 |
| Net operating income to assets | 0.4843% | 4,776 |
| Return on assets (ROA) | 0.5094% | 4,737 |
| Pretax return on assets | 0.6262% | 4,784 |
| Return on Equity (ROE) | 5.5769% | 4,287 |
| Retained earnings to average equity (ytd only) | 1.8935% | 4,677 |
| Net charge-offs to loans | 0.0978% | 1,803 |
| Credit loss provision to net charge-offs | 356.2189% | 856 |
| Earnings coverage of net charge-offs (x) | 14.2113% | 2,305 |
| Efficiency ratio | 78.1346% | 1,319 |
| Assets per employee ($millions) | 7.1051% | 909 |
| Cash dividends to net income (ytd only)* | 66.0481% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,302 |
| Loan loss allowance to noncurrent loans | 128.3519% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 2,433 |
| Noncurrent loans to loans | 1.2238% | 1,553 |
| Net loans and leases to total assets | 55.6397% | 4,261 |
| Net loans and leases to deposits | 64.8522% | 4,331 |
| Net loans and leases to core deposits | 74.9347% | 3,892 |
| Total domestic deposits to total assets | 85.7946% | 2,391 |
| Equity capital to assets | 8.9568% | 4,947 |
| Core capital (leverage) ratio | 9.4013% | 4,289 |
| Tier 1 risk-based capital ratio | 15.4753% | 2,714 |
| Total risk-based capital ratio | 16.7293% | 2,666 |
| Memoranda: | ||
| Average total assets | $959,038,000 | 779 |
| Average earning assets | $882,514,000 | 774 |
| Average equity | $87,598,000 | 928 |
| Average total loans | $547,937,500 | 942 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 4,337 |
| Cost of funding earning assets | 0.3412% | 3,676 |
| Net interest margin | 3.3208% | 4,045 |
| Noninterest income to average assets | 0.5051% | 2,993 |
| Noninterest expense to average assets | 2.9152% | 2,374 |
| Loan and lease loss provision to assets | 0.1464% | 1,387 |
| Net operating income to assets | 0.4298% | 4,898 |
| Return on assets (ROA) | 0.4640% | 4,840 |
| Pretax return on assets | 0.5422% | 4,925 |
| Return on Equity (ROE) | 5.0463% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.3515% | 4,713 |
| Net charge-offs to loans | 0.1715% | 1,139 |
| Credit loss provision to net charge-offs | 148.8223% | 1,532 |
| Earnings coverage of net charge-offs (x) | 6.5953% | 2,687 |
| Efficiency ratio | 81.7967% | 1,027 |
| Assets per employee ($millions) | 7.1871% | 852 |
| Cash dividends to net income (ytd only)* | 73.2183% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,678 |
| Loan loss allowance to noncurrent loans | 232.0711% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,715 |
| Noncurrent loans to loans | 0.6341% | 2,828 |
| Net loans and leases to total assets | 54.5727% | 4,349 |
| Net loans and leases to deposits | 65.6103% | 4,252 |
| Net loans and leases to core deposits | 72.6778% | 4,042 |
| Total domestic deposits to total assets | 83.1770% | 3,514 |
| Equity capital to assets | 9.0603% | 4,841 |
| Core capital (leverage) ratio | 9.2703% | 4,397 |
| Tier 1 risk-based capital ratio | 15.6565% | 2,640 |
| Total risk-based capital ratio | 16.9099% | 2,573 |
| Memoranda: | ||
| Average total assets | $949,513,330 | 788 |
| Average earning assets | $874,603,670 | 786 |
| Average equity | $87,311,330 | 936 |
| Average total loans | $544,492,330 | 945 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 4,227 |
| Cost of funding earning assets | 0.3493% | 3,538 |
| Net interest margin | 3.3127% | 3,963 |
| Noninterest income to average assets | 0.5032% | 2,962 |
| Noninterest expense to average assets | 2.9322% | 2,359 |
| Loan and lease loss provision to assets | 0.1484% | 1,256 |
| Net operating income to assets | 0.4145% | 4,910 |
| Return on assets (ROA) | 0.4216% | 4,909 |
| Pretax return on assets | 0.4840% | 4,999 |
| Return on Equity (ROE) | 4.5497% | 4,587 |
| Retained earnings to average equity (ytd only) | 0.8260% | 4,715 |
| Net charge-offs to loans | 0.3472% | 526 |
| Credit loss provision to net charge-offs | 73.2068% | 1,806 |
| Earnings coverage of net charge-offs (x) | 3.0802% | 2,514 |
| Efficiency ratio | 82.4477% | 1,116 |
| Assets per employee ($millions) | 7.0784% | 915 |
| Cash dividends to net income (ytd only)* | 81.8458% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,149 |
| Loan loss allowance to noncurrent loans | 105.4878% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 2,368 |
| Noncurrent loans to loans | 1.3115% | 1,544 |
| Net loans and leases to total assets | 55.9542% | 4,174 |
| Net loans and leases to deposits | 68.4175% | 3,954 |
| Net loans and leases to core deposits | 77.3374% | 3,527 |
| Total domestic deposits to total assets | 81.7834% | 4,223 |
| Equity capital to assets | 8.9600% | 4,847 |
| Core capital (leverage) ratio | 9.5252% | 4,094 |
| Tier 1 risk-based capital ratio | 15.2556% | 2,851 |
| Total risk-based capital ratio | 16.5076% | 2,791 |
| Memoranda: | ||
| Average total assets | $935,548,000 | 804 |
| Average earning assets | $862,251,000 | 807 |
| Average equity | $86,687,500 | 938 |
| Average total loans | $546,046,000 | 943 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,300 |
| Cost of funding earning assets | 0.4608% | 2,437 |
| Net interest margin | 3.2130% | 4,406 |
| Noninterest income to average assets | 0.5051% | 3,203 |
| Noninterest expense to average assets | 2.8421% | 2,869 |
| Loan and lease loss provision to assets | 0.2029% | 1,127 |
| Net operating income to assets | 0.3906% | 4,976 |
| Return on assets (ROA) | 0.4242% | 4,946 |
| Pretax return on assets | 0.4419% | 5,139 |
| Return on Equity (ROE) | 4.2267% | 4,761 |
| Retained earnings to average equity (ytd only) | 0.5945% | 5,092 |
| Net charge-offs to loans | 0.2436% | 1,144 |
| Credit loss provision to net charge-offs | 148.5904% | 1,846 |
| Earnings coverage of net charge-offs (x) | 4.4660% | 3,498 |
| Efficiency ratio | 82.3358% | 1,169 |
| Assets per employee ($millions) | 6.7771% | 1,017 |
| Cash dividends to net income (ytd only)* | 85.9354% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,971 |
| Loan loss allowance to noncurrent loans | 81.0791% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 1,454 |
| Noncurrent loans to loans | 1.7615% | 1,083 |
| Net loans and leases to total assets | 59.2586% | 3,931 |
| Net loans and leases to deposits | 74.8146% | 3,438 |
| Net loans and leases to core deposits | 87.2077% | 2,754 |
| Total domestic deposits to total assets | 79.2073% | 4,747 |
| Equity capital to assets | 9.5952% | 4,173 |
| Core capital (leverage) ratio | 9.9449% | 3,559 |
| Tier 1 risk-based capital ratio | 15.6075% | 2,702 |
| Total risk-based capital ratio | 16.8598% | 2,636 |
| Memoranda: | ||
| Average total assets | $883,312,200 | 822 |
| Average earning assets | $810,106,200 | 823 |
| Average equity | $88,649,800 | 899 |
| Average total loans | $495,081,000 | 983 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 4,476 |
| Cost of funding earning assets | 0.4793% | 2,270 |
| Net interest margin | 3.1480% | 4,648 |
| Noninterest income to average assets | 0.5084% | 3,191 |
| Noninterest expense to average assets | 2.8327% | 2,897 |
| Loan and lease loss provision to assets | 0.1491% | 1,573 |
| Net operating income to assets | 0.3690% | 5,115 |
| Return on assets (ROA) | 0.3898% | 5,144 |
| Pretax return on assets | 0.4379% | 5,244 |
| Return on Equity (ROE) | 3.8404% | 4,962 |
| Retained earnings to average equity (ytd only) | 0.2302% | 5,288 |
| Net charge-offs to loans | 0.2949% | 779 |
| Credit loss provision to net charge-offs | 91.9551% | 2,499 |
| Earnings coverage of net charge-offs (x) | 3.4752% | 3,411 |
| Efficiency ratio | 83.4048% | 1,036 |
| Assets per employee ($millions) | 7.0454% | 877 |
| Cash dividends to net income (ytd only)* | 94.0054% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,492 |
| Loan loss allowance to noncurrent loans | 64.3566% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1545% | 1,741 |
| Noncurrent loans to loans | 2.0816% | 927 |
| Net loans and leases to total assets | 54.7203% | 4,429 |
| Net loans and leases to deposits | 67.9201% | 4,162 |
| Net loans and leases to core deposits | 76.2619% | 3,806 |
| Total domestic deposits to total assets | 80.5657% | 4,368 |
| Equity capital to assets | 9.4275% | 4,743 |
| Core capital (leverage) ratio | 10.0395% | 3,519 |
| Tier 1 risk-based capital ratio | 15.8767% | 2,678 |
| Total risk-based capital ratio | 17.1278% | 2,613 |
| Memoranda: | ||
| Average total assets | $878,803,000 | 828 |
| Average earning assets | $806,195,500 | 825 |
| Average equity | $89,190,750 | 900 |
| Average total loans | $483,384,750 | 1,004 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,370 |
| Cost of funding earning assets | 0.4885% | 2,201 |
| Net interest margin | 3.1881% | 4,582 |
| Noninterest income to average assets | 0.4757% | 3,368 |
| Noninterest expense to average assets | 2.8960% | 2,687 |
| Loan and lease loss provision to assets | 0.1261% | 1,805 |
| Net operating income to assets | 0.3335% | 5,230 |
| Return on assets (ROA) | 0.3641% | 5,230 |
| Pretax return on assets | 0.4264% | 5,292 |
| Return on Equity (ROE) | 3.4954% | 5,098 |
| Retained earnings to average equity (ytd only) | -0.1213% | 5,309 |
| Net charge-offs to loans | 0.4553% | 492 |
| Credit loss provision to net charge-offs | 50.5155% | 2,664 |
| Earnings coverage of net charge-offs (x) | 2.0684% | 3,332 |
| Efficiency ratio | 84.8659% | 976 |
| Assets per employee ($millions) | 6.8956% | 909 |
| Cash dividends to net income (ytd only)* | 103.4704% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,592 |
| Loan loss allowance to noncurrent loans | 65.6526% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 1,862 |
| Noncurrent loans to loans | 2.0346% | 969 |
| Net loans and leases to total assets | 55.0128% | 4,412 |
| Net loans and leases to deposits | 69.0096% | 4,085 |
| Net loans and leases to core deposits | 79.5584% | 3,505 |
| Total domestic deposits to total assets | 79.7176% | 4,621 |
| Equity capital to assets | 10.1130% | 4,077 |
| Core capital (leverage) ratio | 10.3258% | 3,161 |
| Tier 1 risk-based capital ratio | 16.3957% | 2,470 |
| Total risk-based capital ratio | 17.6462% | 2,411 |
| Memoranda: | ||
| Average total assets | $854,693,000 | 850 |
| Average earning assets | $787,309,000 | 844 |
| Average equity | $89,031,670 | 904 |
| Average total loans | $468,669,670 | 1,025 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,118 |
| Cost of funding earning assets | 0.5016% | 2,091 |
| Net interest margin | 3.2546% | 4,384 |
| Noninterest income to average assets | 0.4634% | 3,394 |
| Noninterest expense to average assets | 2.9037% | 2,694 |
| Loan and lease loss provision to assets | 0.1715% | 1,198 |
| Net operating income to assets | 0.3382% | 5,189 |
| Return on assets (ROA) | 0.3382% | 5,277 |
| Pretax return on assets | 0.3855% | 5,338 |
| Return on Equity (ROE) | 3.1975% | 5,163 |
| Retained earnings to average equity (ytd only) | -0.4381% | 5,190 |
| Net charge-offs to loans | 0.0211% | 2,510 |
| Credit loss provision to net charge-offs | 1,495.8333% | 290 |
| Earnings coverage of net charge-offs (x) | 48.5833% | 900 |
| Efficiency ratio | 83.9039% | 1,168 |
| Assets per employee ($millions) | 6.6276% | 1,044 |
| Cash dividends to net income (ytd only)* | 113.7006% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,581 |
| Loan loss allowance to noncurrent loans | 63.9703% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3588% | 1,561 |
| Noncurrent loans to loans | 2.5141% | 745 |
| Net loans and leases to total assets | 53.1772% | 4,521 |
| Net loans and leases to deposits | 66.6457% | 4,192 |
| Net loans and leases to core deposits | 81.7391% | 3,153 |
| Total domestic deposits to total assets | 79.7909% | 4,792 |
| Equity capital to assets | 10.3340% | 3,703 |
| Core capital (leverage) ratio | 10.7824% | 2,639 |
| Tier 1 risk-based capital ratio | 17.5325% | 2,111 |
| Total risk-based capital ratio | 18.7853% | 2,079 |
| Memoranda: | ||
| Average total assets | $837,275,000 | 870 |
| Average earning assets | $771,093,500 | 875 |
| Average equity | $88,568,500 | 902 |
| Average total loans | $455,014,500 | 1,066 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,625 |
| Cost of funding earning assets | 0.5681% | 1,609 |
| Net interest margin | 3.0474% | 5,032 |
| Noninterest income to average assets | 0.3869% | 4,139 |
| Noninterest expense to average assets | 2.8370% | 3,086 |
| Loan and lease loss provision to assets | 0.7690% | 129 |
| Net operating income to assets | -0.2068% | 5,966 |
| Return on assets (ROA) | -0.1371% | 5,957 |
| Pretax return on assets | -0.3306% | 5,991 |
| Return on Equity (ROE) | -1.1902% | 5,947 |
| Retained earnings to average equity (ytd only) | -3.9325% | 5,868 |
| Net charge-offs to loans | 0.9641% | 214 |
| Credit loss provision to net charge-offs | 167.3301% | 1,611 |
| Earnings coverage of net charge-offs (x) | 0.7168% | 4,191 |
| Efficiency ratio | 89.5960% | 714 |
| Assets per employee ($millions) | 6.6020% | 1,047 |
| Cash dividends to net income (ytd only)* | -230.4099% | 6,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,584 |
| Loan loss allowance to noncurrent loans | 60.9440% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4454% | 1,430 |
| Noncurrent loans to loans | 2.6413% | 673 |
| Net loans and leases to total assets | 53.8419% | 4,520 |
| Net loans and leases to deposits | 68.3312% | 4,102 |
| Net loans and leases to core deposits | 86.6985% | 2,730 |
| Total domestic deposits to total assets | 78.7955% | 5,016 |
| Equity capital to assets | 10.7358% | 3,093 |
| Core capital (leverage) ratio | 11.2163% | 2,195 |
| Tier 1 risk-based capital ratio | 18.0153% | 1,960 |
| Total risk-based capital ratio | 19.2681% | 1,917 |
| Memoranda: | ||
| Average total assets | $765,254,200 | 907 |
| Average earning assets | $697,977,200 | 920 |
| Average equity | $88,136,200 | 864 |
| Average total loans | $364,809,600 | 1,248 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 4,740 |
| Cost of funding earning assets | 0.5740% | 1,591 |
| Net interest margin | 3.0269% | 5,132 |
| Noninterest income to average assets | 0.3376% | 4,526 |
| Noninterest expense to average assets | 2.8432% | 3,024 |
| Loan and lease loss provision to assets | 0.5543% | 173 |
| Net operating income to assets | -0.0773% | 5,988 |
| Return on assets (ROA) | 0.0152% | 5,959 |
| Pretax return on assets | -0.1638% | 6,036 |
| Return on Equity (ROE) | 0.1297% | 5,960 |
| Retained earnings to average equity (ytd only) | -3.5167% | 5,965 |
| Net charge-offs to loans | 1.1805% | 138 |
| Credit loss provision to net charge-offs | 102.5868% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.4551% | 3,946 |
| Efficiency ratio | 92.0385% | 570 |
| Assets per employee ($millions) | 6.6480% | 1,003 |
| Cash dividends to net income (ytd only)* | 2,810.5617% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,903 |
| Loan loss allowance to noncurrent loans | 40.8431% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.5181% | 1,478 |
| Noncurrent loans to loans | 3.2813% | 504 |
| Net loans and leases to total assets | 45.6450% | 5,253 |
| Net loans and leases to deposits | 59.2650% | 4,905 |
| Net loans and leases to core deposits | 64.8845% | 4,766 |
| Total domestic deposits to total assets | 77.0186% | 5,336 |
| Equity capital to assets | 11.1653% | 2,829 |
| Core capital (leverage) ratio | 11.9835% | 1,682 |
| Tier 1 risk-based capital ratio | 20.0545% | 1,533 |
| Total risk-based capital ratio | 21.1579% | 1,533 |
| Memoranda: | ||
| Average total assets | $753,557,750 | 924 |
| Average earning assets | $685,003,500 | 939 |
| Average equity | $88,375,500 | 871 |
| Average total loans | $344,919,250 | 1,309 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,618 |
| Cost of funding earning assets | 0.5783% | 1,587 |
| Net interest margin | 3.0575% | 5,070 |
| Noninterest income to average assets | 0.2766% | 4,968 |
| Noninterest expense to average assets | 2.9538% | 2,706 |
| Loan and lease loss provision to assets | 0.7357% | 113 |
| Net operating income to assets | -0.3239% | 6,139 |
| Return on assets (ROA) | -0.2137% | 6,127 |
| Pretax return on assets | -0.4523% | 6,177 |
| Return on Equity (ROE) | -1.7915% | 6,119 |
| Retained earnings to average equity (ytd only) | -5.4130% | 6,040 |
| Net charge-offs to loans | 1.6334% | 99 |
| Credit loss provision to net charge-offs | 98.7717% | 2,090 |
| Earnings coverage of net charge-offs (x) | 0.1492% | 3,697 |
| Efficiency ratio | 96.3740% | 429 |
| Assets per employee ($millions) | 6.3973% | 1,105 |
| Cash dividends to net income (ytd only)* | -202.1411% | 6,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 2,688 |
| Loan loss allowance to noncurrent loans | 37.5930% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 1.8902% | 1,204 |
| Noncurrent loans to loans | 3.7629% | 445 |
| Net loans and leases to total assets | 44.2369% | 5,371 |
| Net loans and leases to deposits | 57.6680% | 5,019 |
| Net loans and leases to core deposits | 63.4567% | 4,850 |
| Total domestic deposits to total assets | 76.7096% | 5,497 |
| Equity capital to assets | 11.5401% | 2,384 |
| Core capital (leverage) ratio | 12.0529% | 1,621 |
| Tier 1 risk-based capital ratio | 21.9828% | 1,213 |
| Total risk-based capital ratio | 23.1592% | 1,204 |
| Memoranda: | ||
| Average total assets | $743,257,000 | 935 |
| Average earning assets | $677,810,330 | 953 |
| Average equity | $88,638,330 | 872 |
| Average total loans | $338,915,330 | 1,329 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6741% | 4,457 |
| Cost of funding earning assets | 0.5733% | 1,630 |
| Net interest margin | 3.1008% | 4,947 |
| Noninterest income to average assets | 0.1393% | 5,914 |
| Noninterest expense to average assets | 3.1346% | 2,175 |
| Loan and lease loss provision to assets | 1.2605% | 54 |
| Net operating income to assets | -0.7532% | 6,285 |
| Return on assets (ROA) | -0.5320% | 6,263 |
| Pretax return on assets | -1.0769% | 6,319 |
| Return on Equity (ROE) | -4.3890% | 6,248 |
| Retained earnings to average equity (ytd only) | -7.9626% | 6,076 |
| Net charge-offs to loans | 0.2409% | 988 |
| Credit loss provision to net charge-offs | 1,138.5366% | 309 |
| Earnings coverage of net charge-offs (x) | -1.4634% | 3,191 |
| Efficiency ratio | 105.4506% | 249 |
| Assets per employee ($millions) | 6.8981% | 893 |
| Cash dividends to net income (ytd only)* | -81.4213% | 6,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 1,065 |
| Loan loss allowance to noncurrent loans | 45.0629% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.2623% | 1,001 |
| Noncurrent loans to loans | 4.4560% | 356 |
| Net loans and leases to total assets | 44.0659% | 5,343 |
| Net loans and leases to deposits | 57.2340% | 4,966 |
| Net loans and leases to core deposits | 63.2037% | 4,768 |
| Total domestic deposits to total assets | 76.9925% | 5,612 |
| Equity capital to assets | 11.6419% | 2,343 |
| Core capital (leverage) ratio | 12.1782% | 1,524 |
| Tier 1 risk-based capital ratio | 19.9813% | 1,623 |
| Total risk-based capital ratio | 21.2348% | 1,591 |
| Memoranda: | ||
| Average total assets | $740,641,500 | 939 |
| Average earning assets | $676,729,000 | 950 |
| Average equity | $89,769,500 | 857 |
| Average total loans | $340,443,500 | 1,327 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,856 |
| Cost of funding earning assets | 0.6449% | 1,444 |
| Net interest margin | 3.3198% | 4,512 |
| Noninterest income to average assets | 0.4345% | 3,937 |
| Noninterest expense to average assets | 2.3908% | 4,870 |
| Loan and lease loss provision to assets | 0.1286% | 2,037 |
| Net operating income to assets | 0.7913% | 3,419 |
| Return on assets (ROA) | 0.8723% | 3,093 |
| Pretax return on assets | 1.0302% | 3,385 |
| Return on Equity (ROE) | 6.8414% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.2459% | 3,919 |
| Net charge-offs to loans | 0.0301% | 4,223 |
| Credit loss provision to net charge-offs | 900.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 74.4400% | 674 |
| Efficiency ratio | 69.2130% | 3,670 |
| Assets per employee ($millions) | 6.5650% | 1,024 |
| Cash dividends to net income (ytd only)* | 52.5549% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 2,841 |
| Loan loss allowance to noncurrent loans | 41.8928% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.9181% | 1,344 |
| Noncurrent loans to loans | 3.3937% | 621 |
| Net loans and leases to total assets | 46.3643% | 5,297 |
| Net loans and leases to deposits | 61.5345% | 4,761 |
| Net loans and leases to core deposits | 68.3097% | 4,471 |
| Total domestic deposits to total assets | 75.3469% | 5,818 |
| Equity capital to assets | 12.6327% | 1,575 |
| Core capital (leverage) ratio | 12.8775% | 1,183 |
| Tier 1 risk-based capital ratio | 22.2925% | 1,180 |
| Total risk-based capital ratio | 23.4627% | 1,171 |
| Memoranda: | ||
| Average total assets | $699,962,800 | 959 |
| Average earning assets | $636,726,200 | 964 |
| Average equity | $89,250,600 | 826 |
| Average total loans | $332,048,200 | 1,316 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,827 |
| Cost of funding earning assets | 0.6541% | 1,432 |
| Net interest margin | 3.3275% | 4,519 |
| Noninterest income to average assets | 0.3601% | 4,553 |
| Noninterest expense to average assets | 2.3747% | 4,898 |
| Loan and lease loss provision to assets | 0.1006% | 2,360 |
| Net operating income to assets | 0.7920% | 3,458 |
| Return on assets (ROA) | 0.8271% | 3,390 |
| Pretax return on assets | 0.9489% | 3,799 |
| Return on Equity (ROE) | 6.4714% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.8640% | 4,563 |
| Net charge-offs to loans | -0.0387% | 5,823 |
| Credit loss provision to net charge-offs | -546.8750% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1783% | 3,481 |
| Assets per employee ($millions) | 6.3309% | 1,129 |
| Cash dividends to net income (ytd only)* | 55.7433% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 3,364 |
| Loan loss allowance to noncurrent loans | 30.4811% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 2.4782% | 1,073 |
| Noncurrent loans to loans | 4.4550% | 446 |
| Net loans and leases to total assets | 47.6120% | 5,240 |
| Net loans and leases to deposits | 63.1797% | 4,615 |
| Net loans and leases to core deposits | 69.2951% | 4,389 |
| Total domestic deposits to total assets | 75.3597% | 5,888 |
| Equity capital to assets | 12.9674% | 1,445 |
| Core capital (leverage) ratio | 12.9721% | 1,191 |
| Tier 1 risk-based capital ratio | 22.1495% | 1,245 |
| Total risk-based capital ratio | 23.2815% | 1,239 |
| Memoranda: | ||
| Average total assets | $696,056,250 | 972 |
| Average earning assets | $632,496,250 | 980 |
| Average equity | $88,963,750 | 830 |
| Average total loans | $330,919,500 | 1,325 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,795 |
| Cost of funding earning assets | 0.6628% | 1,417 |
| Net interest margin | 3.3209% | 4,504 |
| Noninterest income to average assets | 0.3191% | 4,862 |
| Noninterest expense to average assets | 2.3795% | 4,938 |
| Loan and lease loss provision to assets | 0.1009% | 2,335 |
| Net operating income to assets | 0.7573% | 3,531 |
| Return on assets (ROA) | 0.7927% | 3,465 |
| Pretax return on assets | 0.8913% | 3,918 |
| Return on Equity (ROE) | 6.2328% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.5951% | 4,549 |
| Net charge-offs to loans | -0.0616% | 5,967 |
| Credit loss provision to net charge-offs | -346.5347% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4162% | 3,443 |
| Assets per employee ($millions) | 6.3542% | 1,089 |
| Cash dividends to net income (ytd only)* | 58.3636% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 3,728 |
| Loan loss allowance to noncurrent loans | 31.0536% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3310% | 1,265 |
| Noncurrent loans to loans | 4.2673% | 530 |
| Net loans and leases to total assets | 46.4143% | 5,323 |
| Net loans and leases to deposits | 61.6631% | 4,725 |
| Net loans and leases to core deposits | 66.9999% | 4,555 |
| Total domestic deposits to total assets | 75.2708% | 5,999 |
| Equity capital to assets | 12.6657% | 1,558 |
| Core capital (leverage) ratio | 12.5621% | 1,363 |
| Tier 1 risk-based capital ratio | 22.0984% | 1,247 |
| Total risk-based capital ratio | 23.1959% | 1,244 |
| Memoranda: | ||
| Average total assets | $693,831,000 | 974 |
| Average earning assets | $629,477,000 | 980 |
| Average equity | $88,243,000 | 829 |
| Average total loans | $328,162,330 | 1,326 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,578 |
| Cost of funding earning assets | 0.6713% | 1,432 |
| Net interest margin | 3.3564% | 4,309 |
| Noninterest income to average assets | 0.4211% | 4,022 |
| Noninterest expense to average assets | 2.3851% | 4,973 |
| Loan and lease loss provision to assets | 0.1022% | 2,217 |
| Net operating income to assets | 0.8165% | 3,068 |
| Return on assets (ROA) | 0.8842% | 2,790 |
| Pretax return on assets | 1.0542% | 3,119 |
| Return on Equity (ROE) | 6.9374% | 3,511 |
| Retained earnings to average equity (ytd only) | 3.2625% | 4,162 |
| Net charge-offs to loans | -0.1305% | 6,235 |
| Credit loss provision to net charge-offs | -165.0943% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9166% | 4,014 |
| Assets per employee ($millions) | 6.3317% | 1,096 |
| Cash dividends to net income (ytd only)* | 52.9723% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,101 |
| Loan loss allowance to noncurrent loans | 36.4428% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 2.0503% | 1,651 |
| Noncurrent loans to loans | 3.5788% | 804 |
| Net loans and leases to total assets | 45.9325% | 5,336 |
| Net loans and leases to deposits | 60.5855% | 4,700 |
| Net loans and leases to core deposits | 65.7739% | 4,507 |
| Total domestic deposits to total assets | 75.8143% | 6,093 |
| Equity capital to assets | 12.5375% | 1,553 |
| Core capital (leverage) ratio | 13.0638% | 1,141 |
| Tier 1 risk-based capital ratio | 22.4216% | 1,222 |
| Total risk-based capital ratio | 23.4984% | 1,233 |
| Memoranda: | ||
| Average total assets | $684,911,500 | 993 |
| Average earning assets | $620,308,000 | 1,005 |
| Average equity | $87,295,500 | 839 |
| Average total loans | $324,867,000 | 1,339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,356 |
| Cost of funding earning assets | 0.6903% | 1,886 |
| Net interest margin | 3.2396% | 4,863 |
| Noninterest income to average assets | 0.4949% | 3,795 |
| Noninterest expense to average assets | 2.4058% | 5,053 |
| Loan and lease loss provision to assets | 0.1162% | 2,871 |
| Net operating income to assets | 0.7936% | 3,322 |
| Return on assets (ROA) | 0.9253% | 2,750 |
| Pretax return on assets | 1.0777% | 3,042 |
| Return on Equity (ROE) | 7.2156% | 3,446 |
| Retained earnings to average equity (ytd only) | 4.1567% | 3,217 |
| Net charge-offs to loans | 0.1623% | 3,190 |
| Credit loss provision to net charge-offs | 153.5433% | 1,506 |
| Earnings coverage of net charge-offs (x) | 13.7520% | 1,993 |
| Efficiency ratio | 69.8033% | 3,868 |
| Assets per employee ($millions) | 6.0637% | 1,237 |
| Cash dividends to net income (ytd only)* | 42.3925% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,476 |
| Loan loss allowance to noncurrent loans | 27.6813% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 2.2594% | 1,574 |
| Noncurrent loans to loans | 4.4619% | 595 |
| Net loans and leases to total assets | 47.7750% | 5,314 |
| Net loans and leases to deposits | 64.2372% | 4,486 |
| Net loans and leases to core deposits | 73.5402% | 3,891 |
| Total domestic deposits to total assets | 74.3728% | 6,253 |
| Equity capital to assets | 12.9647% | 1,290 |
| Core capital (leverage) ratio | 13.2558% | 1,035 |
| Tier 1 risk-based capital ratio | 22.8845% | 1,112 |
| Total risk-based capital ratio | 23.9206% | 1,130 |
| Memoranda: | ||
| Average total assets | $671,242,000 | 990 |
| Average earning assets | $611,596,200 | 1,002 |
| Average equity | $86,077,600 | 830 |
| Average total loans | $313,080,400 | 1,352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 4,633 |
| Cost of funding earning assets | 0.6885% | 2,027 |
| Net interest margin | 3.1737% | 5,076 |
| Noninterest income to average assets | 0.4992% | 3,810 |
| Noninterest expense to average assets | 2.4010% | 5,022 |
| Loan and lease loss provision to assets | 0.1160% | 2,843 |
| Net operating income to assets | 0.7678% | 3,522 |
| Return on assets (ROA) | 0.9010% | 2,945 |
| Pretax return on assets | 1.0297% | 3,378 |
| Return on Equity (ROE) | 7.0450% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.1870% | 3,704 |
| Net charge-offs to loans | 0.0678% | 3,950 |
| Credit loss provision to net charge-offs | 370.2532% | 710 |
| Earnings coverage of net charge-offs (x) | 31.6774% | 1,192 |
| Efficiency ratio | 70.7515% | 3,637 |
| Assets per employee ($millions) | 6.0523% | 1,206 |
| Cash dividends to net income (ytd only)* | 40.5679% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,374 |
| Loan loss allowance to noncurrent loans | 29.3035% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 2.1093% | 1,896 |
| Noncurrent loans to loans | 4.4469% | 738 |
| Net loans and leases to total assets | 46.2580% | 5,523 |
| Net loans and leases to deposits | 62.1736% | 4,739 |
| Net loans and leases to core deposits | 68.8515% | 4,446 |
| Total domestic deposits to total assets | 74.4013% | 6,341 |
| Equity capital to assets | 12.3869% | 1,644 |
| Core capital (leverage) ratio | 13.1054% | 1,164 |
| Tier 1 risk-based capital ratio | 22.7613% | 1,186 |
| Total risk-based capital ratio | 23.8418% | 1,193 |
| Memoranda: | ||
| Average total assets | $672,302,000 | 994 |
| Average earning assets | $613,139,500 | 1,002 |
| Average equity | $85,978,250 | 832 |
| Average total loans | $310,689,250 | 1,368 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,793 |
| Cost of funding earning assets | 0.6865% | 2,165 |
| Net interest margin | 3.1239% | 5,207 |
| Noninterest income to average assets | 0.5599% | 3,441 |
| Noninterest expense to average assets | 2.4085% | 5,030 |
| Loan and lease loss provision to assets | 0.1163% | 2,867 |
| Net operating income to assets | 0.7752% | 3,431 |
| Return on assets (ROA) | 0.9104% | 2,877 |
| Pretax return on assets | 1.0453% | 3,312 |
| Return on Equity (ROE) | 7.0445% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.5725% | 3,361 |
| Net charge-offs to loans | 0.1031% | 3,329 |
| Credit loss provision to net charge-offs | 245.2830% | 1,028 |
| Earnings coverage of net charge-offs (x) | 21.2138% | 1,423 |
| Efficiency ratio | 70.5338% | 3,730 |
| Assets per employee ($millions) | 6.0643% | 1,159 |
| Cash dividends to net income (ytd only)* | 35.0917% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,824 |
| Loan loss allowance to noncurrent loans | 27.7025% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 2.1212% | 2,035 |
| Noncurrent loans to loans | 4.4484% | 791 |
| Net loans and leases to total assets | 46.5403% | 5,474 |
| Net loans and leases to deposits | 62.7387% | 4,659 |
| Net loans and leases to core deposits | 71.9845% | 4,040 |
| Total domestic deposits to total assets | 74.1811% | 6,431 |
| Equity capital to assets | 12.4662% | 1,601 |
| Core capital (leverage) ratio | 13.1579% | 1,111 |
| Tier 1 risk-based capital ratio | 22.4580% | 1,209 |
| Total risk-based capital ratio | 23.4828% | 1,229 |
| Memoranda: | ||
| Average total assets | $670,451,000 | 995 |
| Average earning assets | $612,696,670 | 1,005 |
| Average equity | $86,649,330 | 820 |
| Average total loans | $308,351,670 | 1,372 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 4,502 |
| Cost of funding earning assets | 0.6828% | 2,368 |
| Net interest margin | 3.2091% | 4,899 |
| Noninterest income to average assets | 0.5561% | 3,396 |
| Noninterest expense to average assets | 2.4069% | 5,099 |
| Loan and lease loss provision to assets | 0.1171% | 2,773 |
| Net operating income to assets | 0.8199% | 3,045 |
| Return on assets (ROA) | 0.9693% | 2,487 |
| Pretax return on assets | 1.1482% | 2,773 |
| Return on Equity (ROE) | 7.3666% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.9974% | 2,678 |
| Net charge-offs to loans | 0.0410% | 3,461 |
| Credit loss provision to net charge-offs | 629.0323% | 434 |
| Earnings coverage of net charge-offs (x) | 58.4194% | 606 |
| Efficiency ratio | 68.8778% | 4,166 |
| Assets per employee ($millions) | 6.0626% | 1,213 |
| Cash dividends to net income (ytd only)* | 18.5874% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,845 |
| Loan loss allowance to noncurrent loans | 25.1982% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.3101% | 2,010 |
| Noncurrent loans to loans | 5.0437% | 751 |
| Net loans and leases to total assets | 44.3548% | 5,619 |
| Net loans and leases to deposits | 59.3568% | 4,867 |
| Net loans and leases to core deposits | 68.0079% | 4,302 |
| Total domestic deposits to total assets | 74.7257% | 6,487 |
| Equity capital to assets | 12.9189% | 1,465 |
| Core capital (leverage) ratio | 13.4087% | 972 |
| Tier 1 risk-based capital ratio | 23.3828% | 1,096 |
| Total risk-based capital ratio | 24.4400% | 1,107 |
| Memoranda: | ||
| Average total assets | $666,074,000 | 1,011 |
| Average earning assets | $609,884,500 | 1,018 |
| Average equity | $87,638,500 | 819 |
| Average total loans | $302,503,500 | 1,400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 4,391 |
| Cost of funding earning assets | 0.8016% | 2,652 |
| Net interest margin | 3.4521% | 4,696 |
| Noninterest income to average assets | 0.5593% | 3,512 |
| Noninterest expense to average assets | 2.2748% | 5,755 |
| Loan and lease loss provision to assets | 0.0699% | 4,870 |
| Net operating income to assets | 1.0658% | 2,064 |
| Return on assets (ROA) | 1.1808% | 1,822 |
| Pretax return on assets | 1.5235% | 1,611 |
| Return on Equity (ROE) | 8.3847% | 2,923 |
| Retained earnings to average equity (ytd only) | -3.4842% | 6,304 |
| Net charge-offs to loans | 0.5729% | 2,009 |
| Credit loss provision to net charge-offs | 27.6609% | 5,161 |
| Earnings coverage of net charge-offs (x) | 5.7240% | 2,967 |
| Efficiency ratio | 61.1374% | 5,369 |
| Assets per employee ($millions) | 5.9921% | 1,283 |
| Cash dividends to net income (ytd only)* | 141.5541% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 4,941 |
| Loan loss allowance to noncurrent loans | 24.2142% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 2.3799% | 2,061 |
| Noncurrent loans to loans | 5.1121% | 768 |
| Net loans and leases to total assets | 45.3570% | 5,683 |
| Net loans and leases to deposits | 61.4736% | 4,849 |
| Net loans and leases to core deposits | 70.5192% | 4,232 |
| Total domestic deposits to total assets | 73.7829% | 6,553 |
| Equity capital to assets | 13.4055% | 1,266 |
| Core capital (leverage) ratio | 13.1381% | 1,064 |
| Tier 1 risk-based capital ratio | 23.4303% | 1,048 |
| Total risk-based capital ratio | 24.4613% | 1,062 |
| Memoranda: | ||
| Average total assets | $658,292,600 | 1,001 |
| Average earning assets | $602,887,400 | 994 |
| Average equity | $92,704,600 | 757 |
| Average total loans | $290,279,200 | 1,448 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 4,542 |
| Cost of funding earning assets | 0.8116% | 2,848 |
| Net interest margin | 3.4652% | 4,783 |
| Noninterest income to average assets | 0.5622% | 3,530 |
| Noninterest expense to average assets | 2.2816% | 5,736 |
| Loan and lease loss provision to assets | 0.0778% | 4,665 |
| Net operating income to assets | 1.0782% | 2,175 |
| Return on assets (ROA) | 1.1496% | 2,107 |
| Pretax return on assets | 1.4702% | 2,004 |
| Return on Equity (ROE) | 8.0672% | 3,256 |
| Retained earnings to average equity (ytd only) | 4.8400% | 3,478 |
| Net charge-offs to loans | 0.3103% | 2,889 |
| Credit loss provision to net charge-offs | 57.4627% | 4,221 |
| Earnings coverage of net charge-offs (x) | 10.7537% | 2,150 |
| Efficiency ratio | 61.0372% | 5,308 |
| Assets per employee ($millions) | 6.0660% | 1,215 |
| Cash dividends to net income (ytd only)* | 40.0035% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 3,407 |
| Loan loss allowance to noncurrent loans | 73.1827% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 4,324 |
| Noncurrent loans to loans | 2.2293% | 2,583 |
| Net loans and leases to total assets | 41.4686% | 6,165 |
| Net loans and leases to deposits | 58.2785% | 5,400 |
| Net loans and leases to core deposits | 64.4206% | 5,107 |
| Total domestic deposits to total assets | 71.1559% | 6,785 |
| Equity capital to assets | 14.3610% | 1,016 |
| Core capital (leverage) ratio | 14.1000% | 799 |
| Tier 1 risk-based capital ratio | 26.0335% | 820 |
| Total risk-based capital ratio | 27.2844% | 806 |
| Memoranda: | ||
| Average total assets | $659,582,250 | 1,005 |
| Average earning assets | $604,517,250 | 998 |
| Average equity | $93,991,750 | 754 |
| Average total loans | $287,860,250 | 1,466 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 4,341 |
| Cost of funding earning assets | 0.8246% | 2,993 |
| Net interest margin | 3.5365% | 4,520 |
| Noninterest income to average assets | 0.5524% | 3,571 |
| Noninterest expense to average assets | 2.2986% | 5,741 |
| Loan and lease loss provision to assets | 0.0947% | 4,369 |
| Net operating income to assets | 1.0904% | 2,075 |
| Return on assets (ROA) | 1.1466% | 2,103 |
| Pretax return on assets | 1.4696% | 1,955 |
| Return on Equity (ROE) | 8.0675% | 3,231 |
| Retained earnings to average equity (ytd only) | 4.7954% | 3,413 |
| Net charge-offs to loans | 0.3285% | 2,717 |
| Credit loss provision to net charge-offs | 65.2632% | 3,683 |
| Earnings coverage of net charge-offs (x) | 10.2884% | 2,070 |
| Efficiency ratio | 60.6363% | 5,479 |
| Assets per employee ($millions) | 5.9150% | 1,290 |
| Cash dividends to net income (ytd only)* | 40.5593% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 3,324 |
| Loan loss allowance to noncurrent loans | 51.1523% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 3,604 |
| Noncurrent loans to loans | 3.2810% | 1,778 |
| Net loans and leases to total assets | 41.6333% | 6,212 |
| Net loans and leases to deposits | 57.6720% | 5,485 |
| Net loans and leases to core deposits | 65.3876% | 5,069 |
| Total domestic deposits to total assets | 72.1898% | 6,791 |
| Equity capital to assets | 14.2041% | 1,012 |
| Core capital (leverage) ratio | 14.0031% | 804 |
| Tier 1 risk-based capital ratio | 25.6798% | 839 |
| Total risk-based capital ratio | 26.9312% | 823 |
| Memoranda: | ||
| Average total assets | $655,000,000 | 1,012 |
| Average earning assets | $599,795,670 | 1,007 |
| Average equity | $93,090,000 | 754 |
| Average total loans | $289,196,670 | 1,467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 4,295 |
| Cost of funding earning assets | 0.8418% | 3,135 |
| Net interest margin | 3.5667% | 4,410 |
| Noninterest income to average assets | 0.5497% | 3,567 |
| Noninterest expense to average assets | 2.2780% | 5,826 |
| Loan and lease loss provision to assets | 0.1234% | 3,800 |
| Net operating income to assets | 1.1137% | 2,016 |
| Return on assets (ROA) | 1.1137% | 2,200 |
| Pretax return on assets | 1.4111% | 2,162 |
| Return on Equity (ROE) | 7.8338% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.4876% | 3,897 |
| Net charge-offs to loans | 0.4585% | 1,950 |
| Credit loss provision to net charge-offs | 59.7015% | 3,122 |
| Earnings coverage of net charge-offs (x) | 7.4239% | 2,075 |
| Efficiency ratio | 59.7508% | 5,656 |
| Assets per employee ($millions) | 5.8735% | 1,361 |
| Cash dividends to net income (ytd only)* | 42.7147% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 3,580 |
| Loan loss allowance to noncurrent loans | 55.2346% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 3,899 |
| Noncurrent loans to loans | 2.9675% | 2,181 |
| Net loans and leases to total assets | 43.2196% | 6,079 |
| Net loans and leases to deposits | 59.7199% | 5,187 |
| Net loans and leases to core deposits | 67.8565% | 4,699 |
| Total domestic deposits to total assets | 72.3705% | 6,859 |
| Equity capital to assets | 13.8886% | 1,057 |
| Core capital (leverage) ratio | 14.1454% | 765 |
| Tier 1 risk-based capital ratio | 24.7607% | 926 |
| Total risk-based capital ratio | 26.0117% | 913 |
| Memoranda: | ||
| Average total assets | $648,301,000 | 1,021 |
| Average earning assets | $593,048,500 | 1,016 |
| Average equity | $92,165,000 | 760 |
| Average total loans | $292,282,000 | 1,456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 4,077 |
| Cost of funding earning assets | 0.9429% | 3,766 |
| Net interest margin | 3.7979% | 3,823 |
| Noninterest income to average assets | 0.5809% | 3,291 |
| Noninterest expense to average assets | 2.3631% | 5,871 |
| Loan and lease loss provision to assets | 0.2140% | 4,050 |
| Net operating income to assets | 1.1292% | 1,730 |
| Return on assets (ROA) | 1.2530% | 1,469 |
| Pretax return on assets | 1.6237% | 1,153 |
| Return on Equity (ROE) | 8.5482% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.1804% | 2,519 |
| Net charge-offs to loans | 0.2617% | 4,136 |
| Credit loss provision to net charge-offs | 171.7305% | 1,551 |
| Earnings coverage of net charge-offs (x) | 13.4571% | 1,541 |
| Efficiency ratio | 58.4933% | 5,988 |
| Assets per employee ($millions) | 5.6009% | 1,535 |
| Cash dividends to net income (ytd only)* | 39.3983% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 3,286 |
| Loan loss allowance to noncurrent loans | 58.1500% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 3,967 |
| Noncurrent loans to loans | 2.8860% | 2,265 |
| Net loans and leases to total assets | 45.5077% | 6,054 |
| Net loans and leases to deposits | 64.3237% | 4,966 |
| Net loans and leases to core deposits | 75.7865% | 4,011 |
| Total domestic deposits to total assets | 70.7480% | 6,950 |
| Equity capital to assets | 14.5601% | 878 |
| Core capital (leverage) ratio | 14.4937% | 713 |
| Tier 1 risk-based capital ratio | 24.9597% | 872 |
| Total risk-based capital ratio | 26.2114% | 865 |
| Memoranda: | ||
| Average total assets | $607,510,200 | 1,077 |
| Average earning assets | $553,309,400 | 1,075 |
| Average equity | $89,047,800 | 757 |
| Average total loans | $289,212,600 | 1,480 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 4,031 |
| Cost of funding earning assets | 0.9594% | 3,961 |
| Net interest margin | 3.8368% | 3,683 |
| Noninterest income to average assets | 0.5789% | 3,307 |
| Noninterest expense to average assets | 2.4108% | 5,738 |
| Loan and lease loss provision to assets | 0.2573% | 3,444 |
| Net operating income to assets | 1.0916% | 2,003 |
| Return on assets (ROA) | 1.2606% | 1,593 |
| Pretax return on assets | 1.6239% | 1,324 |
| Return on Equity (ROE) | 8.5854% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.1869% | 3,067 |
| Net charge-offs to loans | 0.3085% | 3,552 |
| Credit loss provision to net charge-offs | 173.9130% | 1,714 |
| Earnings coverage of net charge-offs (x) | 11.2519% | 1,829 |
| Efficiency ratio | 59.1565% | 5,840 |
| Assets per employee ($millions) | 5.4308% | 1,671 |
| Cash dividends to net income (ytd only)* | 39.5849% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,336 |
| Loan loss allowance to noncurrent loans | 65.7301% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.2334% | 4,331 |
| Noncurrent loans to loans | 2.5581% | 2,706 |
| Net loans and leases to total assets | 45.5580% | 6,184 |
| Net loans and leases to deposits | 64.9007% | 5,059 |
| Net loans and leases to core deposits | 73.8553% | 4,465 |
| Total domestic deposits to total assets | 70.1966% | 7,030 |
| Equity capital to assets | 14.8299% | 896 |
| Core capital (leverage) ratio | 14.3850% | 797 |
| Tier 1 risk-based capital ratio | 25.0599% | 907 |
| Total risk-based capital ratio | 26.3118% | 897 |
| Memoranda: | ||
| Average total assets | $601,162,500 | 1,096 |
| Average earning assets | $547,837,500 | 1,092 |
| Average equity | $88,272,000 | 767 |
| Average total loans | $288,282,000 | 1,494 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 3,978 |
| Cost of funding earning assets | 0.9767% | 4,114 |
| Net interest margin | 3.8488% | 3,540 |
| Noninterest income to average assets | 0.5767% | 3,289 |
| Noninterest expense to average assets | 2.4282% | 5,755 |
| Loan and lease loss provision to assets | 0.1416% | 4,536 |
| Net operating income to assets | 1.1832% | 1,623 |
| Return on assets (ROA) | 1.2660% | 1,468 |
| Pretax return on assets | 1.6155% | 1,236 |
| Return on Equity (ROE) | 8.6521% | 2,658 |
| Retained earnings to average equity (ytd only) | 5.3788% | 2,756 |
| Net charge-offs to loans | 0.0625% | 5,021 |
| Credit loss provision to net charge-offs | 466.6667% | 657 |
| Earnings coverage of net charge-offs (x) | 54.4222% | 582 |
| Efficiency ratio | 59.5274% | 5,941 |
| Assets per employee ($millions) | 5.3153% | 1,741 |
| Cash dividends to net income (ytd only)* | 37.8328% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 3,643 |
| Loan loss allowance to noncurrent loans | 73.3583% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1036% | 4,682 |
| Noncurrent loans to loans | 2.1997% | 3,223 |
| Net loans and leases to total assets | 46.9106% | 6,160 |
| Net loans and leases to deposits | 66.2630% | 4,960 |
| Net loans and leases to core deposits | 75.5264% | 4,376 |
| Total domestic deposits to total assets | 70.7945% | 7,067 |
| Equity capital to assets | 14.6684% | 900 |
| Core capital (leverage) ratio | 14.4423% | 773 |
| Tier 1 risk-based capital ratio | 24.6277% | 941 |
| Total risk-based capital ratio | 25.8787% | 920 |
| Memoranda: | ||
| Average total assets | $593,369,330 | 1,123 |
| Average earning assets | $539,966,330 | 1,125 |
| Average equity | $86,823,000 | 775 |
| Average total loans | $287,911,000 | 1,510 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 4,086 |
| Cost of funding earning assets | 1.0005% | 4,202 |
| Net interest margin | 3.7927% | 3,652 |
| Noninterest income to average assets | 0.6324% | 2,946 |
| Noninterest expense to average assets | 2.4646% | 5,692 |
| Loan and lease loss provision to assets | 0.1437% | 4,210 |
| Net operating income to assets | 1.1786% | 1,573 |
| Return on assets (ROA) | 1.1786% | 1,626 |
| Pretax return on assets | 1.4695% | 1,534 |
| Return on Equity (ROE) | 8.0652% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.7492% | 3,344 |
| Net charge-offs to loans | 0.0839% | 4,111 |
| Credit loss provision to net charge-offs | 350.0000% | 933 |
| Earnings coverage of net charge-offs (x) | 39.2833% | 692 |
| Efficiency ratio | 60.4397% | 5,911 |
| Assets per employee ($millions) | 5.3389% | 1,730 |
| Cash dividends to net income (ytd only)* | 41.1150% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 3,935 |
| Loan loss allowance to noncurrent loans | 75.8638% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 4,713 |
| Noncurrent loans to loans | 2.0506% | 3,507 |
| Net loans and leases to total assets | 47.4434% | 6,142 |
| Net loans and leases to deposits | 67.0631% | 4,818 |
| Net loans and leases to core deposits | 76.5523% | 4,229 |
| Total domestic deposits to total assets | 70.7445% | 7,146 |
| Equity capital to assets | 14.2686% | 936 |
| Core capital (leverage) ratio | 14.7324% | 706 |
| Tier 1 risk-based capital ratio | 24.0337% | 971 |
| Total risk-based capital ratio | 25.2839% | 953 |
| Memoranda: | ||
| Average total assets | $584,424,500 | 1,146 |
| Average earning assets | $530,919,000 | 1,154 |
| Average equity | $85,403,500 | 779 |
| Average total loans | $286,142,500 | 1,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 5,024 |
| Cost of funding earning assets | 1.2060% | 4,528 |
| Net interest margin | 3.6957% | 4,364 |
| Noninterest income to average assets | 0.6600% | 3,081 |
| Noninterest expense to average assets | 2.2730% | 6,427 |
| Loan and lease loss provision to assets | 0.2309% | 4,972 |
| Net operating income to assets | 1.1946% | 1,427 |
| Return on assets (ROA) | 1.2658% | 1,322 |
| Pretax return on assets | 1.6023% | 1,124 |
| Return on Equity (ROE) | 8.5041% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.7597% | 2,571 |
| Net charge-offs to loans | 0.1461% | 5,482 |
| Credit loss provision to net charge-offs | 320.6388% | 809 |
| Earnings coverage of net charge-offs (x) | 24.2064% | 873 |
| Efficiency ratio | 56.5972% | 6,512 |
| Assets per employee ($millions) | 5.2856% | 1,767 |
| Cash dividends to net income (ytd only)* | 44.0313% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,756 |
| Loan loss allowance to noncurrent loans | 72.5568% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 4,650 |
| Noncurrent loans to loans | 2.1407% | 3,381 |
| Net loans and leases to total assets | 49.0077% | 6,273 |
| Net loans and leases to deposits | 71.9897% | 4,518 |
| Net loans and leases to core deposits | 79.2617% | 4,310 |
| Total domestic deposits to total assets | 68.0760% | 7,320 |
| Equity capital to assets | 14.9810% | 792 |
| Core capital (leverage) ratio | 14.7468% | 703 |
| Tier 1 risk-based capital ratio | 24.8005% | 860 |
| Total risk-based capital ratio | 26.0508% | 843 |
| Memoranda: | ||
| Average total assets | $565,188,200 | 1,188 |
| Average earning assets | $513,270,800 | 1,199 |
| Average equity | $84,123,800 | 793 |
| Average total loans | $278,552,200 | 1,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 5,403 |
| Cost of funding earning assets | 1.2238% | 4,721 |
| Net interest margin | 3.6441% | 4,660 |
| Noninterest income to average assets | 0.6623% | 3,059 |
| Noninterest expense to average assets | 2.2740% | 6,399 |
| Loan and lease loss provision to assets | 0.1947% | 5,095 |
| Net operating income to assets | 1.1590% | 1,710 |
| Return on assets (ROA) | 1.2514% | 1,541 |
| Pretax return on assets | 1.6242% | 1,284 |
| Return on Equity (ROE) | 8.4215% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.1920% | 2,844 |
| Net charge-offs to loans | 0.0715% | 5,798 |
| Credit loss provision to net charge-offs | 553.6913% | 521 |
| Earnings coverage of net charge-offs (x) | 48.3226% | 581 |
| Efficiency ratio | 57.2396% | 6,386 |
| Assets per employee ($millions) | 5.5167% | 1,616 |
| Cash dividends to net income (ytd only)* | 38.3484% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 4,300 |
| Loan loss allowance to noncurrent loans | 71.0909% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0894% | 4,940 |
| Noncurrent loans to loans | 2.0153% | 3,655 |
| Net loans and leases to total assets | 47.9330% | 6,528 |
| Net loans and leases to deposits | 70.5589% | 5,074 |
| Net loans and leases to core deposits | 78.6987% | 4,714 |
| Total domestic deposits to total assets | 67.9332% | 7,384 |
| Equity capital to assets | 14.6442% | 982 |
| Core capital (leverage) ratio | 14.6706% | 778 |
| Tier 1 risk-based capital ratio | 23.9073% | 961 |
| Total risk-based capital ratio | 25.0875% | 941 |
| Memoranda: | ||
| Average total assets | $565,095,750 | 1,197 |
| Average earning assets | $513,360,750 | 1,204 |
| Average equity | $83,973,250 | 788 |
| Average total loans | $277,805,250 | 1,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 5,520 |
| Cost of funding earning assets | 1.2587% | 4,772 |
| Net interest margin | 3.6136% | 4,761 |
| Noninterest income to average assets | 0.6722% | 2,873 |
| Noninterest expense to average assets | 2.3022% | 6,346 |
| Loan and lease loss provision to assets | 0.1081% | 5,832 |
| Net operating income to assets | 1.2010% | 1,559 |
| Return on assets (ROA) | 1.2663% | 1,456 |
| Pretax return on assets | 1.6238% | 1,234 |
| Return on Equity (ROE) | 8.4772% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.1930% | 2,786 |
| Net charge-offs to loans | 0.1081% | 5,081 |
| Credit loss provision to net charge-offs | 202.7027% | 1,929 |
| Earnings coverage of net charge-offs (x) | 30.8986% | 903 |
| Efficiency ratio | 58.2755% | 6,339 |
| Assets per employee ($millions) | 5.3861% | 1,719 |
| Cash dividends to net income (ytd only)* | 38.7418% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 4,852 |
| Loan loss allowance to noncurrent loans | 63.5090% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 4,897 |
| Noncurrent loans to loans | 2.0634% | 3,640 |
| Net loans and leases to total assets | 47.8436% | 6,633 |
| Net loans and leases to deposits | 69.7563% | 5,318 |
| Net loans and leases to core deposits | 78.3012% | 4,891 |
| Total domestic deposits to total assets | 68.5868% | 7,406 |
| Equity capital to assets | 14.8360% | 916 |
| Core capital (leverage) ratio | 14.8979% | 743 |
| Tier 1 risk-based capital ratio | 24.7294% | 869 |
| Total risk-based capital ratio | 25.8105% | 867 |
| Memoranda: | ||
| Average total assets | $554,858,670 | 1,225 |
| Average earning assets | $503,373,330 | 1,242 |
| Average equity | $82,880,670 | 791 |
| Average total loans | $273,827,330 | 1,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 4,805 |
| Cost of funding earning assets | 1.2931% | 4,854 |
| Net interest margin | 3.7526% | 3,995 |
| Noninterest income to average assets | 0.6532% | 2,911 |
| Noninterest expense to average assets | 2.3188% | 6,327 |
| Loan and lease loss provision to assets | 0.1207% | 5,379 |
| Net operating income to assets | 1.2787% | 1,339 |
| Return on assets (ROA) | 1.2787% | 1,410 |
| Pretax return on assets | 1.6166% | 1,224 |
| Return on Equity (ROE) | 8.5300% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.2459% | 3,017 |
| Net charge-offs to loans | 0.0191% | 5,316 |
| Credit loss provision to net charge-offs | 1,269.2308% | 383 |
| Earnings coverage of net charge-offs (x) | 182.6923% | 190 |
| Efficiency ratio | 57.1686% | 6,609 |
| Assets per employee ($millions) | 5.4813% | 1,687 |
| Cash dividends to net income (ytd only)* | 38.5011% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,767 |
| Loan loss allowance to noncurrent loans | 62.7183% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 4,865 |
| Noncurrent loans to loans | 2.1238% | 3,620 |
| Net loans and leases to total assets | 48.0545% | 6,671 |
| Net loans and leases to deposits | 70.5067% | 5,267 |
| Net loans and leases to core deposits | 77.5461% | 5,078 |
| Total domestic deposits to total assets | 68.1560% | 7,517 |
| Equity capital to assets | 14.8342% | 923 |
| Core capital (leverage) ratio | 15.1865% | 713 |
| Tier 1 risk-based capital ratio | 24.9782% | 869 |
| Total risk-based capital ratio | 26.0845% | 859 |
| Memoranda: | ||
| Average total assets | $546,823,500 | 1,278 |
| Average earning assets | $495,869,000 | 1,292 |
| Average equity | $81,969,500 | 807 |
| Average total loans | $272,351,000 | 1,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 5,097 |
| Cost of funding earning assets | 1.5641% | 5,209 |
| Net interest margin | 3.7519% | 3,905 |
| Noninterest income to average assets | 0.7185% | 2,856 |
| Noninterest expense to average assets | 2.4333% | 6,362 |
| Loan and lease loss provision to assets | 0.3043% | 4,995 |
| Net operating income to assets | 1.0949% | 1,525 |
| Return on assets (ROA) | 1.2785% | 1,132 |
| Pretax return on assets | 1.6098% | 945 |
| Return on Equity (ROE) | 8.4434% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.0426% | 1,800 |
| Net charge-offs to loans | 0.4753% | 3,878 |
| Credit loss provision to net charge-offs | 127.1118% | 4,083 |
| Earnings coverage of net charge-offs (x) | 7.0249% | 2,238 |
| Efficiency ratio | 59.1332% | 6,601 |
| Assets per employee ($millions) | 5.3996% | 1,739 |
| Cash dividends to net income (ytd only)* | 40.2772% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,904 |
| Loan loss allowance to noncurrent loans | 48.0238% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.4756% | 4,178 |
| Noncurrent loans to loans | 2.6563% | 2,892 |
| Net loans and leases to total assets | 50.3093% | 6,604 |
| Net loans and leases to deposits | 78.0917% | 4,352 |
| Net loans and leases to core deposits | 94.4138% | 4,633 |
| Total domestic deposits to total assets | 64.4234% | 7,696 |
| Equity capital to assets | 15.1532% | 880 |
| Core capital (leverage) ratio | 15.3693% | 712 |
| Tier 1 risk-based capital ratio | 24.7388% | 876 |
| Total risk-based capital ratio | 25.8025% | 869 |
| Memoranda: | ||
| Average total assets | $519,263,400 | 1,328 |
| Average earning assets | $470,052,400 | 1,341 |
| Average equity | $78,629,800 | 821 |
| Average total loans | $261,512,600 | 1,823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 5,408 |
| Cost of funding earning assets | 1.6232% | 5,292 |
| Net interest margin | 3.6799% | 4,167 |
| Noninterest income to average assets | 0.7214% | 2,878 |
| Noninterest expense to average assets | 2.4362% | 6,289 |
| Loan and lease loss provision to assets | 0.3078% | 4,505 |
| Net operating income to assets | 1.0416% | 1,930 |
| Return on assets (ROA) | 1.2546% | 1,394 |
| Pretax return on assets | 1.5756% | 1,231 |
| Return on Equity (ROE) | 8.2865% | 2,522 |
| Retained earnings to average equity (ytd only) | 4.8677% | 2,573 |
| Net charge-offs to loans | 0.4709% | 3,344 |
| Credit loss provision to net charge-offs | 130.1969% | 3,846 |
| Earnings coverage of net charge-offs (x) | 6.8402% | 2,531 |
| Efficiency ratio | 60.1021% | 6,400 |
| Assets per employee ($millions) | 5.4490% | 1,668 |
| Cash dividends to net income (ytd only)* | 41.2576% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,611 |
| Loan loss allowance to noncurrent loans | 40.7983% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8155% | 3,629 |
| Noncurrent loans to loans | 3.1400% | 2,405 |
| Net loans and leases to total assets | 49.2668% | 6,845 |
| Net loans and leases to deposits | 75.4203% | 5,135 |
| Net loans and leases to core deposits | 92.5388% | 5,182 |
| Total domestic deposits to total assets | 65.3230% | 7,717 |
| Equity capital to assets | 15.1338% | 967 |
| Core capital (leverage) ratio | 15.2031% | 820 |
| Tier 1 risk-based capital ratio | 24.6424% | 933 |
| Total risk-based capital ratio | 25.6980% | 938 |
| Memoranda: | ||
| Average total assets | $515,439,500 | 1,351 |
| Average earning assets | $466,708,750 | 1,365 |
| Average equity | $78,036,500 | 839 |
| Average total loans | $258,788,750 | 1,867 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3191% | 5,562 |
| Cost of funding earning assets | 1.6984% | 5,279 |
| Net interest margin | 3.6207% | 4,278 |
| Noninterest income to average assets | 0.7222% | 2,852 |
| Noninterest expense to average assets | 2.4463% | 6,311 |
| Loan and lease loss provision to assets | 0.3849% | 3,612 |
| Net operating income to assets | 0.9393% | 2,314 |
| Return on assets (ROA) | 1.1916% | 1,585 |
| Pretax return on assets | 1.4841% | 1,490 |
| Return on Equity (ROE) | 7.8692% | 2,828 |
| Retained earnings to average equity (ytd only) | 4.3989% | 2,851 |
| Net charge-offs to loans | 0.6908% | 2,321 |
| Credit loss provision to net charge-offs | 110.7345% | 4,182 |
| Earnings coverage of net charge-offs (x) | 4.4701% | 3,087 |
| Efficiency ratio | 61.1586% | 6,374 |
| Assets per employee ($millions) | 5.1763% | 1,890 |
| Cash dividends to net income (ytd only)* | 44.1002% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,770 |
| Loan loss allowance to noncurrent loans | 55.1801% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 4,212 |
| Noncurrent loans to loans | 2.2237% | 3,227 |
| Net loans and leases to total assets | 49.7786% | 6,894 |
| Net loans and leases to deposits | 74.3210% | 5,411 |
| Net loans and leases to core deposits | 91.7577% | 5,370 |
| Total domestic deposits to total assets | 66.9778% | 7,682 |
| Equity capital to assets | 14.8414% | 1,070 |
| Core capital (leverage) ratio | 15.5473% | 817 |
| Tier 1 risk-based capital ratio | 24.8939% | 952 |
| Total risk-based capital ratio | 25.9091% | 957 |
| Memoranda: | ||
| Average total assets | $509,251,000 | 1,387 |
| Average earning assets | $461,021,670 | 1,401 |
| Average equity | $77,110,330 | 859 |
| Average total loans | $256,218,000 | 1,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 5,808 |
| Cost of funding earning assets | 1.7723% | 5,251 |
| Net interest margin | 3.5481% | 4,530 |
| Noninterest income to average assets | 0.7284% | 2,715 |
| Noninterest expense to average assets | 2.2879% | 6,576 |
| Loan and lease loss provision to assets | 0.2149% | 4,296 |
| Net operating income to assets | 1.1527% | 1,794 |
| Return on assets (ROA) | 1.1527% | 1,916 |
| Pretax return on assets | 1.4369% | 1,859 |
| Return on Equity (ROE) | 7.5348% | 3,361 |
| Retained earnings to average equity (ytd only) | 4.0536% | 3,645 |
| Net charge-offs to loans | 0.4212% | 2,419 |
| Credit loss provision to net charge-offs | 101.5038% | 3,680 |
| Earnings coverage of net charge-offs (x) | 7.8008% | 2,296 |
| Efficiency ratio | 58.0723% | 6,694 |
| Assets per employee ($millions) | 5.1359% | 1,914 |
| Cash dividends to net income (ytd only)* | 46.2017% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 4,625 |
| Loan loss allowance to noncurrent loans | 59.5076% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 4,490 |
| Noncurrent loans to loans | 2.0578% | 3,185 |
| Net loans and leases to total assets | 49.8445% | 6,877 |
| Net loans and leases to deposits | 75.7728% | 5,254 |
| Net loans and leases to core deposits | 94.5992% | 5,100 |
| Total domestic deposits to total assets | 65.7816% | 7,747 |
| Equity capital to assets | 15.3089% | 1,010 |
| Core capital (leverage) ratio | 15.7829% | 813 |
| Tier 1 risk-based capital ratio | 25.4967% | 932 |
| Total risk-based capital ratio | 26.5191% | 931 |
| Memoranda: | ||
| Average total assets | $502,472,000 | 1,411 |
| Average earning assets | $454,777,500 | 1,421 |
| Average equity | $76,869,500 | 860 |
| Average total loans | $252,587,000 | 1,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 6,303 |
| Cost of funding earning assets | 2.1347% | 5,905 |
| Net interest margin | 3.7047% | 4,454 |
| Noninterest income to average assets | 0.8428% | 2,279 |
| Noninterest expense to average assets | 2.1246% | 7,176 |
| Loan and lease loss provision to assets | 0.1324% | 5,670 |
| Net operating income to assets | 1.4373% | 1,154 |
| Return on assets (ROA) | 1.4917% | 1,000 |
| Pretax return on assets | 2.0094% | 592 |
| Return on Equity (ROE) | 9.5065% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.0318% | 1,517 |
| Net charge-offs to loans | 0.1642% | 4,559 |
| Credit loss provision to net charge-offs | 161.6162% | 3,197 |
| Earnings coverage of net charge-offs (x) | 25.2525% | 1,341 |
| Efficiency ratio | 50.6709% | 7,615 |
| Assets per employee ($millions) | 5.1184% | 1,814 |
| Cash dividends to net income (ytd only)* | 36.5502% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,033 |
| Loan loss allowance to noncurrent loans | 80.0306% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 4,723 |
| Noncurrent loans to loans | 1.5773% | 3,415 |
| Net loans and leases to total assets | 49.4386% | 7,077 |
| Net loans and leases to deposits | 83.8965% | 4,436 |
| Net loans and leases to core deposits | 98.9160% | 4,937 |
| Total domestic deposits to total assets | 58.9280% | 7,995 |
| Equity capital to assets | 15.2874% | 1,094 |
| Core capital (leverage) ratio | 15.8134% | 862 |
| Tier 1 risk-based capital ratio | 25.9599% | 907 |
| Total risk-based capital ratio | 27.0100% | 898 |
| Memoranda: | ||
| Average total assets | $483,489,600 | 1,417 |
| Average earning assets | $437,198,400 | 1,433 |
| Average equity | $75,864,200 | 873 |
| Average total loans | $241,113,400 | 1,962 |