| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6496% | 4,475 |
| Cost of funding earning assets | 0.4873% | 4,002 |
| Net interest margin | 3.1623% | 3,949 |
| Noninterest income to average assets | 0.3472% | 3,436 |
| Noninterest expense to average assets | 1.8401% | 4,616 |
| Loan and lease loss provision to assets | 0.5944% | 471 |
| Net operating income to assets | 0.8734% | 2,604 |
| Return on assets (ROA) | 0.8734% | 2,710 |
| Pretax return on assets | 0.8938% | 3,153 |
| Return on Equity (ROE) | 6.5816% | 3,104 |
| Retained earnings to average equity (ytd only) | -152.2373% | 5,108 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0070% | 4,307 |
| Assets per employee ($millions) | 10.8896% | 312 |
| Cash dividends to net income (ytd only)* | 2,413.0879% | 7 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7430% | 801 |
| Loan loss allowance to noncurrent loans | 424.9069% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 2,481 |
| Noncurrent loans to loans | 0.4102% | 3,023 |
| Net loans and leases to total assets | 81.0392% | 555 |
| Net loans and leases to deposits | 98.7549% | 640 |
| Net loans and leases to core deposits | 111.2504% | 787 |
| Total domestic deposits to total assets | 82.0610% | 3,406 |
| Equity capital to assets | 16.0222% | 579 |
| Core capital (leverage) ratio | 11.5862% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8300% | 2,355 |
| Memoranda: |
| Average total assets | $1,119,711,000 | 750 |
| Average earning assets | $1,055,571,500 | 729 |
| Average equity | $148,597,000 | 663 |
| Average total loans | $817,615,000 | 733 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1819% | 3,853 |
| Cost of funding earning assets | 0.5586% | 3,830 |
| Net interest margin | 3.6233% | 3,066 |
| Noninterest income to average assets | 0.4119% | 3,221 |
| Noninterest expense to average assets | 1.9558% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8351% | 493 |
| Return on assets (ROA) | 1.8351% | 515 |
| Pretax return on assets | 1.9836% | 617 |
| Return on Equity (ROE) | 16.3995% | 494 |
| Retained earnings to average equity (ytd only) | 8.4356% | 845 |
| Net charge-offs to loans | 0.4647% | 401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.2311% | 2,993 |
| Efficiency ratio | 49.6469% | 4,748 |
| Assets per employee ($millions) | 10.3549% | 335 |
| Cash dividends to net income (ytd only)* | 48.5620% | 2,148 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8189% | 4,244 |
| Loan loss allowance to noncurrent loans | 130.3453% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 2,191 |
| Noncurrent loans to loans | 0.6283% | 2,314 |
| Net loans and leases to total assets | 63.1921% | 3,296 |
| Net loans and leases to deposits | 72.2878% | 3,499 |
| Net loans and leases to core deposits | 80.9377% | 3,218 |
| Total domestic deposits to total assets | 87.4173% | 1,401 |
| Equity capital to assets | 10.5636% | 3,387 |
| Core capital (leverage) ratio | 11.0522% | 2,458 |
| Tier 1 risk-based capital ratio | 14.2078% | 3,166 |
| Total risk-based capital ratio | 14.9072% | 3,343 |
| Memoranda: |
| Average total assets | $1,009,906,000 | 775 |
| Average earning assets | $983,215,400 | 736 |
| Average equity | $113,009,800 | 803 |
| Average total loans | $691,781,600 | 817 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3281% | 3,574 |
| Cost of funding earning assets | 0.5709% | 3,814 |
| Net interest margin | 3.7572% | 2,729 |
| Noninterest income to average assets | 0.4028% | 3,299 |
| Noninterest expense to average assets | 1.9692% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9217% | 470 |
| Return on assets (ROA) | 1.9217% | 489 |
| Pretax return on assets | 2.0814% | 574 |
| Return on Equity (ROE) | 16.9009% | 488 |
| Retained earnings to average equity (ytd only) | 9.7233% | 822 |
| Net charge-offs to loans | 0.1553% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 19.1755% | 2,015 |
| Efficiency ratio | 48.6148% | 4,817 |
| Assets per employee ($millions) | 9.1985% | 445 |
| Cash dividends to net income (ytd only)* | 42.4689% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1841% | 2,592 |
| Loan loss allowance to noncurrent loans | 111.0428% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 1,467 |
| Noncurrent loans to loans | 1.0664% | 1,496 |
| Net loans and leases to total assets | 68.5035% | 2,706 |
| Net loans and leases to deposits | 79.3796% | 2,963 |
| Net loans and leases to core deposits | 88.7996% | 2,655 |
| Total domestic deposits to total assets | 86.2986% | 1,867 |
| Equity capital to assets | 11.6764% | 2,531 |
| Core capital (leverage) ratio | 11.8999% | 1,917 |
| Tier 1 risk-based capital ratio | 14.3113% | 3,170 |
| Total risk-based capital ratio | 15.3166% | 3,201 |
| Memoranda: |
| Average total assets | $980,212,250 | 798 |
| Average earning assets | $951,688,500 | 757 |
| Average equity | $111,455,000 | 813 |
| Average total loans | $684,945,500 | 824 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2583% | 3,766 |
| Cost of funding earning assets | 0.5705% | 3,791 |
| Net interest margin | 3.6879% | 2,969 |
| Noninterest income to average assets | 0.3772% | 3,423 |
| Noninterest expense to average assets | 2.0978% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7224% | 694 |
| Return on assets (ROA) | 1.7224% | 723 |
| Pretax return on assets | 1.8716% | 885 |
| Return on Equity (ROE) | 15.2914% | 705 |
| Retained earnings to average equity (ytd only) | 7.9671% | 1,414 |
| Net charge-offs to loans | 0.2349% | 719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 11.3709% | 2,207 |
| Efficiency ratio | 52.8501% | 4,576 |
| Assets per employee ($millions) | 8.5363% | 549 |
| Cash dividends to net income (ytd only)* | 47.8985% | 1,888 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1835% | 2,612 |
| Loan loss allowance to noncurrent loans | 54.5586% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6788% | 630 |
| Noncurrent loans to loans | 2.1692% | 624 |
| Net loans and leases to total assets | 73.1935% | 2,025 |
| Net loans and leases to deposits | 85.0731% | 2,360 |
| Net loans and leases to core deposits | 94.9525% | 2,161 |
| Total domestic deposits to total assets | 86.0360% | 2,017 |
| Equity capital to assets | 12.0062% | 2,181 |
| Core capital (leverage) ratio | 11.9355% | 1,865 |
| Tier 1 risk-based capital ratio | 13.9334% | 3,352 |
| Total risk-based capital ratio | 14.9445% | 3,379 |
| Memoranda: |
| Average total assets | $969,670,330 | 804 |
| Average earning assets | $944,503,330 | 760 |
| Average equity | $109,224,670 | 819 |
| Average total loans | $679,444,000 | 827 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2344% | 3,766 |
| Cost of funding earning assets | 0.5574% | 3,793 |
| Net interest margin | 3.6770% | 2,980 |
| Noninterest income to average assets | 0.3614% | 3,434 |
| Noninterest expense to average assets | 2.0328% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7595% | 641 |
| Return on assets (ROA) | 1.7595% | 658 |
| Pretax return on assets | 1.9096% | 781 |
| Return on Equity (ROE) | 16.1338% | 574 |
| Retained earnings to average equity (ytd only) | 8.6541% | 1,432 |
| Net charge-offs to loans | 0.4777% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.8672% | 2,233 |
| Efficiency ratio | 51.5622% | 4,725 |
| Assets per employee ($millions) | 8.4436% | 571 |
| Cash dividends to net income (ytd only)* | 46.3607% | 1,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2266% | 2,444 |
| Loan loss allowance to noncurrent loans | 199.9037% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 2,595 |
| Noncurrent loans to loans | 0.6136% | 2,497 |
| Net loans and leases to total assets | 70.1013% | 2,459 |
| Net loans and leases to deposits | 81.6777% | 2,643 |
| Net loans and leases to core deposits | 91.8029% | 2,315 |
| Total domestic deposits to total assets | 85.8268% | 2,348 |
| Equity capital to assets | 11.4415% | 2,454 |
| Core capital (leverage) ratio | 11.5042% | 2,129 |
| Tier 1 risk-based capital ratio | 14.0956% | 3,298 |
| Total risk-based capital ratio | 15.1370% | 3,317 |
| Memoranda: |
| Average total assets | $980,738,500 | 799 |
| Average earning assets | $955,136,500 | 757 |
| Average equity | $106,955,500 | 832 |
| Average total loans | $668,246,500 | 845 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0361% | 3,924 |
| Cost of funding earning assets | 0.4243% | 3,829 |
| Net interest margin | 3.6118% | 3,342 |
| Noninterest income to average assets | 0.4007% | 3,439 |
| Noninterest expense to average assets | 2.1815% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7118% | 674 |
| Return on assets (ROA) | 1.6833% | 714 |
| Pretax return on assets | 1.7101% | 1,143 |
| Return on Equity (ROE) | 15.8216% | 665 |
| Retained earnings to average equity (ytd only) | 6.8047% | 1,749 |
| Net charge-offs to loans | 0.1245% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.0184% | 2,021 |
| Efficiency ratio | 55.6417% | 4,452 |
| Assets per employee ($millions) | 8.8364% | 498 |
| Cash dividends to net income (ytd only)* | 56.9909% | 1,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3806% | 1,716 |
| Loan loss allowance to noncurrent loans | 172.0144% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 2,256 |
| Noncurrent loans to loans | 0.8026% | 1,999 |
| Net loans and leases to total assets | 64.5484% | 3,292 |
| Net loans and leases to deposits | 74.3352% | 3,478 |
| Net loans and leases to core deposits | 82.4522% | 3,227 |
| Total domestic deposits to total assets | 86.8342% | 1,855 |
| Equity capital to assets | 10.3980% | 3,289 |
| Core capital (leverage) ratio | 10.9808% | 2,541 |
| Tier 1 risk-based capital ratio | 14.0491% | 3,270 |
| Total risk-based capital ratio | 15.2106% | 3,233 |
| Memoranda: |
| Average total assets | $938,131,000 | 812 |
| Average earning assets | $914,242,800 | 772 |
| Average equity | $99,813,000 | 855 |
| Average total loans | $654,822,400 | 834 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9808% | 3,985 |
| Cost of funding earning assets | 0.3851% | 3,970 |
| Net interest margin | 3.5957% | 3,381 |
| Noninterest income to average assets | 0.3996% | 3,483 |
| Noninterest expense to average assets | 2.1676% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7081% | 732 |
| Return on assets (ROA) | 1.6693% | 807 |
| Pretax return on assets | 1.6979% | 1,280 |
| Return on Equity (ROE) | 15.5930% | 769 |
| Retained earnings to average equity (ytd only) | 6.4636% | 2,404 |
| Net charge-offs to loans | -0.0416% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5082% | 4,444 |
| Assets per employee ($millions) | 8.2834% | 577 |
| Cash dividends to net income (ytd only)* | 58.5480% | 1,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5078% | 1,323 |
| Loan loss allowance to noncurrent loans | 149.7264% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 1,887 |
| Noncurrent loans to loans | 1.0071% | 1,700 |
| Net loans and leases to total assets | 70.0239% | 2,642 |
| Net loans and leases to deposits | 80.1122% | 3,031 |
| Net loans and leases to core deposits | 89.9800% | 2,662 |
| Total domestic deposits to total assets | 87.4072% | 1,542 |
| Equity capital to assets | 10.5557% | 3,086 |
| Core capital (leverage) ratio | 11.3826% | 2,263 |
| Tier 1 risk-based capital ratio | 13.6838% | 3,524 |
| Total risk-based capital ratio | 14.9341% | 3,439 |
| Memoranda: |
| Average total assets | $920,825,250 | 824 |
| Average earning assets | $897,679,750 | 782 |
| Average equity | $98,580,000 | 857 |
| Average total loans | $653,694,500 | 838 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8873% | 4,108 |
| Cost of funding earning assets | 0.3275% | 4,222 |
| Net interest margin | 3.5598% | 3,436 |
| Noninterest income to average assets | 0.3954% | 3,520 |
| Noninterest expense to average assets | 2.1608% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6715% | 767 |
| Return on assets (ROA) | 1.6129% | 902 |
| Pretax return on assets | 1.6440% | 1,362 |
| Return on Equity (ROE) | 14.9938% | 853 |
| Retained earnings to average equity (ytd only) | 5.8301% | 2,648 |
| Net charge-offs to loans | 0.0049% | 2,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 486.1250% | 187 |
| Efficiency ratio | 55.9120% | 4,485 |
| Assets per employee ($millions) | 8.1910% | 586 |
| Cash dividends to net income (ytd only)* | 61.1164% | 1,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5028% | 1,385 |
| Loan loss allowance to noncurrent loans | 124.1911% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 1,612 |
| Noncurrent loans to loans | 1.2101% | 1,437 |
| Net loans and leases to total assets | 70.1230% | 2,562 |
| Net loans and leases to deposits | 80.9345% | 2,861 |
| Net loans and leases to core deposits | 89.6255% | 2,605 |
| Total domestic deposits to total assets | 86.6416% | 1,999 |
| Equity capital to assets | 10.6336% | 2,990 |
| Core capital (leverage) ratio | 11.7648% | 1,860 |
| Tier 1 risk-based capital ratio | 13.3832% | 3,681 |
| Total risk-based capital ratio | 14.6314% | 3,607 |
| Memoranda: |
| Average total assets | $912,998,670 | 837 |
| Average earning assets | $889,766,670 | 786 |
| Average equity | $98,214,000 | 859 |
| Average total loans | $647,805,330 | 846 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8022% | 4,212 |
| Cost of funding earning assets | 0.2683% | 4,594 |
| Net interest margin | 3.5339% | 3,411 |
| Noninterest income to average assets | 0.3926% | 3,524 |
| Noninterest expense to average assets | 2.1745% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6298% | 800 |
| Return on assets (ROA) | 1.5926% | 877 |
| Pretax return on assets | 1.6257% | 1,313 |
| Return on Equity (ROE) | 14.7182% | 851 |
| Retained earnings to average equity (ytd only) | 5.5448% | 2,931 |
| Net charge-offs to loans | -0.0523% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6552% | 4,502 |
| Assets per employee ($millions) | 7.7659% | 693 |
| Cash dividends to net income (ytd only)* | 62.3269% | 1,202 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5324% | 1,341 |
| Loan loss allowance to noncurrent loans | 1,190.8333% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 4,211 |
| Noncurrent loans to loans | 0.1287% | 4,389 |
| Net loans and leases to total assets | 73.8981% | 1,870 |
| Net loans and leases to deposits | 86.3689% | 2,112 |
| Net loans and leases to core deposits | 91.6828% | 2,326 |
| Total domestic deposits to total assets | 85.5610% | 2,723 |
| Equity capital to assets | 11.2175% | 2,374 |
| Core capital (leverage) ratio | 11.8848% | 1,729 |
| Tier 1 risk-based capital ratio | 13.3249% | 3,759 |
| Total risk-based capital ratio | 14.5752% | 3,673 |
| Memoranda: |
| Average total assets | $906,705,500 | 850 |
| Average earning assets | $884,017,000 | 796 |
| Average equity | $98,109,500 | 860 |
| Average total loans | $642,232,500 | 854 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6244% | 4,520 |
| Cost of funding earning assets | 0.1709% | 5,151 |
| Net interest margin | 3.4535% | 3,679 |
| Noninterest income to average assets | 0.4438% | 3,347 |
| Noninterest expense to average assets | 2.1960% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5534% | 715 |
| Return on assets (ROA) | 1.5567% | 721 |
| Pretax return on assets | 1.5954% | 1,304 |
| Return on Equity (ROE) | 14.7167% | 652 |
| Retained earnings to average equity (ytd only) | 6.6455% | 1,210 |
| Net charge-offs to loans | -0.1171% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9730% | 4,529 |
| Assets per employee ($millions) | 8.6571% | 506 |
| Cash dividends to net income (ytd only)* | 54.8440% | 2,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5702% | 1,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,756 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.8936% | 3,116 |
| Net loans and leases to deposits | 76.2138% | 3,309 |
| Net loans and leases to core deposits | 79.8487% | 3,434 |
| Total domestic deposits to total assets | 86.4589% | 2,247 |
| Equity capital to assets | 10.4544% | 3,209 |
| Core capital (leverage) ratio | 11.1417% | 2,203 |
| Tier 1 risk-based capital ratio | 13.3289% | 3,728 |
| Total risk-based capital ratio | 14.5792% | 3,635 |
| Memoranda: |
| Average total assets | $907,752,800 | 820 |
| Average earning assets | $878,991,200 | 770 |
| Average equity | $96,020,200 | 855 |
| Average total loans | $592,724,200 | 873 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5920% | 4,583 |
| Cost of funding earning assets | 0.1668% | 5,215 |
| Net interest margin | 3.4252% | 3,758 |
| Noninterest income to average assets | 0.4527% | 3,319 |
| Noninterest expense to average assets | 2.2431% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4828% | 927 |
| Return on assets (ROA) | 1.4873% | 938 |
| Pretax return on assets | 1.5262% | 1,681 |
| Return on Equity (ROE) | 14.0177% | 829 |
| Retained earnings to average equity (ytd only) | 6.0484% | 2,200 |
| Net charge-offs to loans | -0.0993% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5831% | 4,280 |
| Assets per employee ($millions) | 7.9509% | 646 |
| Cash dividends to net income (ytd only)* | 56.8522% | 1,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5956% | 1,254 |
| Loan loss allowance to noncurrent loans | 8,399.1304% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,785 |
| Noncurrent loans to loans | 0.0190% | 5,051 |
| Net loans and leases to total assets | 67.4966% | 2,921 |
| Net loans and leases to deposits | 79.5348% | 3,013 |
| Net loans and leases to core deposits | 83.3063% | 3,189 |
| Total domestic deposits to total assets | 84.8643% | 2,767 |
| Equity capital to assets | 11.1733% | 2,701 |
| Core capital (leverage) ratio | 11.3171% | 2,172 |
| Tier 1 risk-based capital ratio | 13.4494% | 3,735 |
| Total risk-based capital ratio | 14.6998% | 3,651 |
| Memoranda: |
| Average total assets | $898,784,000 | 836 |
| Average earning assets | $869,057,750 | 785 |
| Average equity | $95,362,500 | 863 |
| Average total loans | $582,978,000 | 885 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4910% | 4,787 |
| Cost of funding earning assets | 0.1609% | 5,268 |
| Net interest margin | 3.3302% | 4,016 |
| Noninterest income to average assets | 0.4714% | 3,211 |
| Noninterest expense to average assets | 2.2975% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3495% | 1,179 |
| Return on assets (ROA) | 1.3561% | 1,188 |
| Pretax return on assets | 1.3955% | 2,040 |
| Return on Equity (ROE) | 13.0059% | 1,031 |
| Retained earnings to average equity (ytd only) | 5.2630% | 2,541 |
| Net charge-offs to loans | -0.0872% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3282% | 3,936 |
| Assets per employee ($millions) | 7.6931% | 691 |
| Cash dividends to net income (ytd only)* | 59.5335% | 1,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5860% | 1,296 |
| Loan loss allowance to noncurrent loans | 4,211.5556% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,684 |
| Noncurrent loans to loans | 0.0377% | 5,003 |
| Net loans and leases to total assets | 67.6385% | 2,859 |
| Net loans and leases to deposits | 78.4828% | 3,069 |
| Net loans and leases to core deposits | 81.8589% | 3,267 |
| Total domestic deposits to total assets | 86.1825% | 2,295 |
| Equity capital to assets | 11.1327% | 2,671 |
| Core capital (leverage) ratio | 11.0584% | 2,353 |
| Tier 1 risk-based capital ratio | 13.4164% | 3,738 |
| Total risk-based capital ratio | 14.6668% | 3,656 |
| Memoranda: |
| Average total assets | $904,194,000 | 837 |
| Average earning assets | $872,862,670 | 788 |
| Average equity | $94,280,000 | 872 |
| Average total loans | $575,519,670 | 903 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3495% | 5,030 |
| Cost of funding earning assets | 0.1571% | 5,320 |
| Net interest margin | 3.1924% | 4,367 |
| Noninterest income to average assets | 0.4831% | 3,085 |
| Noninterest expense to average assets | 2.3215% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2031% | 1,498 |
| Return on assets (ROA) | 1.2031% | 1,534 |
| Pretax return on assets | 1.2391% | 2,451 |
| Return on Equity (ROE) | 11.9187% | 1,262 |
| Retained earnings to average equity (ytd only) | 5.0392% | 2,869 |
| Net charge-offs to loans | -0.0815% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1999% | 3,633 |
| Assets per employee ($millions) | 7.8199% | 665 |
| Cash dividends to net income (ytd only)* | 57.7201% | 1,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6390% | 1,279 |
| Loan loss allowance to noncurrent loans | 3,974.4681% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,728 |
| Noncurrent loans to loans | 0.0412% | 5,030 |
| Net loans and leases to total assets | 62.3290% | 3,488 |
| Net loans and leases to deposits | 71.5136% | 3,655 |
| Net loans and leases to core deposits | 75.2091% | 3,720 |
| Total domestic deposits to total assets | 87.1568% | 2,132 |
| Equity capital to assets | 10.4366% | 3,253 |
| Core capital (leverage) ratio | 10.6812% | 2,701 |
| Tier 1 risk-based capital ratio | 13.6301% | 3,699 |
| Total risk-based capital ratio | 14.8807% | 3,608 |
| Memoranda: |
| Average total assets | $921,628,500 | 816 |
| Average earning assets | $888,482,500 | 772 |
| Average equity | $93,030,500 | 880 |
| Average total loans | $564,542,500 | 912 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3582% | 5,059 |
| Cost of funding earning assets | 0.1589% | 5,361 |
| Net interest margin | 3.1993% | 4,455 |
| Noninterest income to average assets | 0.4790% | 3,355 |
| Noninterest expense to average assets | 2.3305% | 4,488 |
| Loan and lease loss provision to assets | -0.0889% | 5,673 |
| Net operating income to assets | 1.2816% | 1,262 |
| Return on assets (ROA) | 1.2657% | 1,391 |
| Pretax return on assets | 1.3040% | 2,268 |
| Return on Equity (ROE) | 12.0825% | 1,220 |
| Retained earnings to average equity (ytd only) | 5.9460% | 1,738 |
| Net charge-offs to loans | -0.2809% | 5,789 |
| Credit loss provision to net charge-offs | 50.5356% | 3,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4263% | 3,691 |
| Assets per employee ($millions) | 8.0681% | 594 |
| Cash dividends to net income (ytd only)* | 50.7881% | 2,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6496% | 1,255 |
| Loan loss allowance to noncurrent loans | 3,734.8178% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,796 |
| Noncurrent loans to loans | 0.0442% | 5,069 |
| Net loans and leases to total assets | 58.2649% | 4,042 |
| Net loans and leases to deposits | 66.6276% | 4,198 |
| Net loans and leases to core deposits | 69.6357% | 4,270 |
| Total domestic deposits to total assets | 87.4487% | 1,903 |
| Equity capital to assets | 9.7679% | 3,987 |
| Core capital (leverage) ratio | 10.2089% | 3,214 |
| Tier 1 risk-based capital ratio | 13.7685% | 3,598 |
| Total risk-based capital ratio | 15.0193% | 3,506 |
| Memoranda: |
| Average total assets | $902,293,800 | 801 |
| Average earning assets | $869,502,200 | 752 |
| Average equity | $94,516,600 | 848 |
| Average total loans | $564,945,000 | 878 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4118% | 5,004 |
| Cost of funding earning assets | 0.1602% | 5,413 |
| Net interest margin | 3.2516% | 4,343 |
| Noninterest income to average assets | 0.5681% | 2,826 |
| Noninterest expense to average assets | 2.3136% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3489% | 1,170 |
| Return on assets (ROA) | 1.3489% | 1,248 |
| Pretax return on assets | 1.3861% | 2,093 |
| Return on Equity (ROE) | 12.6510% | 1,137 |
| Retained earnings to average equity (ytd only) | 6.5519% | 1,877 |
| Net charge-offs to loans | -0.2846% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5343% | 4,136 |
| Assets per employee ($millions) | 7.6980% | 669 |
| Cash dividends to net income (ytd only)* | 48.2102% | 1,972 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7793% | 1,048 |
| Loan loss allowance to noncurrent loans | 3,483.3935% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 3,700 |
| Noncurrent loans to loans | 0.0511% | 5,154 |
| Net loans and leases to total assets | 58.6365% | 4,033 |
| Net loans and leases to deposits | 67.2884% | 4,223 |
| Net loans and leases to core deposits | 70.7877% | 4,264 |
| Total domestic deposits to total assets | 87.1420% | 1,827 |
| Equity capital to assets | 10.8688% | 3,171 |
| Core capital (leverage) ratio | 10.8435% | 2,632 |
| Tier 1 risk-based capital ratio | 13.9340% | 3,593 |
| Total risk-based capital ratio | 15.1858% | 3,515 |
| Memoranda: |
| Average total assets | $891,874,500 | 809 |
| Average earning assets | $858,951,250 | 765 |
| Average equity | $95,094,250 | 841 |
| Average total loans | $566,374,000 | 873 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4229% | 5,032 |
| Cost of funding earning assets | 0.1624% | 5,472 |
| Net interest margin | 3.2604% | 4,347 |
| Noninterest income to average assets | 0.5686% | 2,801 |
| Noninterest expense to average assets | 2.3067% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3678% | 1,123 |
| Return on assets (ROA) | 1.3678% | 1,195 |
| Pretax return on assets | 1.4048% | 2,006 |
| Return on Equity (ROE) | 12.9140% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.7361% | 1,746 |
| Net charge-offs to loans | -0.4896% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1497% | 4,327 |
| Assets per employee ($millions) | 7.3948% | 734 |
| Cash dividends to net income (ytd only)* | 47.8390% | 2,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6846% | 1,304 |
| Loan loss allowance to noncurrent loans | 2,930.3571% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 3,660 |
| Noncurrent loans to loans | 0.0575% | 5,222 |
| Net loans and leases to total assets | 66.4174% | 3,023 |
| Net loans and leases to deposits | 76.4910% | 3,328 |
| Net loans and leases to core deposits | 80.5849% | 3,408 |
| Total domestic deposits to total assets | 86.8303% | 1,998 |
| Equity capital to assets | 11.3316% | 2,713 |
| Core capital (leverage) ratio | 10.7167% | 2,729 |
| Tier 1 risk-based capital ratio | 12.9463% | 4,234 |
| Total risk-based capital ratio | 14.1976% | 4,141 |
| Memoranda: |
| Average total assets | $886,376,670 | 816 |
| Average earning assets | $854,429,330 | 768 |
| Average equity | $93,882,670 | 849 |
| Average total loans | $574,404,000 | 865 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3420% | 5,238 |
| Cost of funding earning assets | 0.1618% | 5,532 |
| Net interest margin | 3.1802% | 4,642 |
| Noninterest income to average assets | 0.5128% | 3,028 |
| Noninterest expense to average assets | 2.2774% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2594% | 1,380 |
| Return on assets (ROA) | 1.2594% | 1,471 |
| Pretax return on assets | 1.2946% | 2,332 |
| Return on Equity (ROE) | 12.3045% | 1,213 |
| Retained earnings to average equity (ytd only) | 5.9867% | 2,378 |
| Net charge-offs to loans | -0.7573% | 6,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7578% | 4,161 |
| Assets per employee ($millions) | 7.7161% | 632 |
| Cash dividends to net income (ytd only)* | 51.3456% | 1,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6532% | 1,474 |
| Loan loss allowance to noncurrent loans | 2,078.1659% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 3,600 |
| Noncurrent loans to loans | 0.0796% | 5,158 |
| Net loans and leases to total assets | 63.2590% | 3,350 |
| Net loans and leases to deposits | 72.6538% | 3,582 |
| Net loans and leases to core deposits | 76.3214% | 3,648 |
| Total domestic deposits to total assets | 87.0691% | 2,178 |
| Equity capital to assets | 10.5008% | 3,497 |
| Core capital (leverage) ratio | 10.3129% | 3,178 |
| Tier 1 risk-based capital ratio | 12.0412% | 4,888 |
| Total risk-based capital ratio | 13.2770% | 4,812 |
| Memoranda: |
| Average total assets | $896,969,000 | 810 |
| Average earning assets | $862,834,000 | 767 |
| Average equity | $91,804,000 | 866 |
| Average total loans | $569,364,000 | 867 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3223% | 5,305 |
| Cost of funding earning assets | 0.1719% | 5,520 |
| Net interest margin | 3.1504% | 4,775 |
| Noninterest income to average assets | 0.5657% | 2,926 |
| Noninterest expense to average assets | 2.5181% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0346% | 2,193 |
| Return on assets (ROA) | 1.0346% | 2,280 |
| Pretax return on assets | 1.0657% | 3,206 |
| Return on Equity (ROE) | 10.1327% | 1,962 |
| Retained earnings to average equity (ytd only) | 4.9589% | 2,453 |
| Net charge-offs to loans | 0.3623% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.5049% | 3,543 |
| Efficiency ratio | 70.2621% | 3,182 |
| Assets per employee ($millions) | 7.7488% | 626 |
| Cash dividends to net income (ytd only)* | 51.0601% | 2,250 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4991% | 2,015 |
| Loan loss allowance to noncurrent loans | 1,589.4539% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 3,579 |
| Noncurrent loans to loans | 0.0943% | 5,120 |
| Net loans and leases to total assets | 61.6951% | 3,605 |
| Net loans and leases to deposits | 70.6309% | 3,848 |
| Net loans and leases to core deposits | 74.0811% | 3,932 |
| Total domestic deposits to total assets | 87.3486% | 1,955 |
| Equity capital to assets | 9.9701% | 3,996 |
| Core capital (leverage) ratio | 9.8947% | 3,654 |
| Tier 1 risk-based capital ratio | 12.6738% | 4,521 |
| Total risk-based capital ratio | 13.8446% | 4,468 |
| Memoranda: |
| Average total assets | $870,750,600 | 789 |
| Average earning assets | $834,191,600 | 750 |
| Average equity | $88,910,000 | 856 |
| Average total loans | $568,607,400 | 825 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3363% | 5,349 |
| Cost of funding earning assets | 0.1709% | 5,620 |
| Net interest margin | 3.1653% | 4,786 |
| Noninterest income to average assets | 0.5834% | 2,828 |
| Noninterest expense to average assets | 2.5080% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0727% | 2,120 |
| Return on assets (ROA) | 1.0727% | 2,217 |
| Pretax return on assets | 1.1030% | 3,220 |
| Return on Equity (ROE) | 10.4415% | 1,922 |
| Retained earnings to average equity (ytd only) | 5.2576% | 2,747 |
| Net charge-offs to loans | 0.5733% | 397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.9151% | 3,583 |
| Efficiency ratio | 69.4554% | 3,302 |
| Assets per employee ($millions) | 7.5833% | 659 |
| Cash dividends to net income (ytd only)* | 49.6475% | 1,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4521% | 2,362 |
| Loan loss allowance to noncurrent loans | 1,203.1390% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 3,486 |
| Noncurrent loans to loans | 0.1207% | 5,146 |
| Net loans and leases to total assets | 61.0454% | 3,726 |
| Net loans and leases to deposits | 71.8337% | 3,791 |
| Net loans and leases to core deposits | 76.1405% | 3,785 |
| Total domestic deposits to total assets | 84.9815% | 3,019 |
| Equity capital to assets | 10.1358% | 4,014 |
| Core capital (leverage) ratio | 9.9546% | 3,705 |
| Tier 1 risk-based capital ratio | 12.4119% | 4,818 |
| Total risk-based capital ratio | 13.5163% | 4,808 |
| Memoranda: |
| Average total assets | $863,722,000 | 802 |
| Average earning assets | $826,135,000 | 765 |
| Average equity | $88,733,000 | 867 |
| Average total loans | $570,010,250 | 825 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3868% | 5,262 |
| Cost of funding earning assets | 0.1687% | 5,705 |
| Net interest margin | 3.2181% | 4,607 |
| Noninterest income to average assets | 0.5859% | 2,818 |
| Noninterest expense to average assets | 2.4632% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1639% | 1,731 |
| Return on assets (ROA) | 1.1639% | 1,802 |
| Pretax return on assets | 1.1939% | 2,800 |
| Return on Equity (ROE) | 11.2764% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.0537% | 2,215 |
| Net charge-offs to loans | 0.0327% | 3,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 54.1915% | 902 |
| Efficiency ratio | 67.3545% | 3,781 |
| Assets per employee ($millions) | 7.4532% | 680 |
| Cash dividends to net income (ytd only)* | 46.3149% | 2,097 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8061% | 1,358 |
| Loan loss allowance to noncurrent loans | 159.4301% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 2,114 |
| Noncurrent loans to loans | 1.1328% | 2,386 |
| Net loans and leases to total assets | 64.8791% | 3,141 |
| Net loans and leases to deposits | 75.9866% | 3,275 |
| Net loans and leases to core deposits | 79.9998% | 3,383 |
| Total domestic deposits to total assets | 85.3822% | 2,976 |
| Equity capital to assets | 10.1606% | 3,853 |
| Core capital (leverage) ratio | 10.4148% | 3,068 |
| Tier 1 risk-based capital ratio | 12.0353% | 5,121 |
| Total risk-based capital ratio | 13.2870% | 5,022 |
| Memoranda: |
| Average total assets | $853,352,000 | 817 |
| Average earning assets | $814,403,000 | 779 |
| Average equity | $88,078,000 | 877 |
| Average total loans | $575,246,000 | 815 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3989% | 5,204 |
| Cost of funding earning assets | 0.1689% | 5,782 |
| Net interest margin | 3.2300% | 4,484 |
| Noninterest income to average assets | 0.6090% | 2,597 |
| Noninterest expense to average assets | 2.4379% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2227% | 1,480 |
| Return on assets (ROA) | 1.2227% | 1,571 |
| Pretax return on assets | 1.2531% | 2,454 |
| Return on Equity (ROE) | 11.7519% | 1,412 |
| Retained earnings to average equity (ytd only) | 11.7519% | 604 |
| Net charge-offs to loans | -0.1942% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0503% | 4,150 |
| Assets per employee ($millions) | 6.9087% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8757% | 1,329 |
| Loan loss allowance to noncurrent loans | 155.3618% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 2,005 |
| Noncurrent loans to loans | 1.2073% | 2,358 |
| Net loans and leases to total assets | 68.0175% | 2,436 |
| Net loans and leases to deposits | 81.2763% | 2,414 |
| Net loans and leases to core deposits | 86.3473% | 2,509 |
| Total domestic deposits to total assets | 83.6867% | 3,937 |
| Equity capital to assets | 10.8532% | 3,138 |
| Core capital (leverage) ratio | 10.7515% | 2,690 |
| Tier 1 risk-based capital ratio | 12.1747% | 5,131 |
| Total risk-based capital ratio | 13.4274% | 5,034 |
| Memoranda: |
| Average total assets | $844,017,000 | 830 |
| Average earning assets | $805,329,500 | 789 |
| Average equity | $87,815,500 | 879 |
| Average total loans | $574,786,000 | 812 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5280% | 5,255 |
| Cost of funding earning assets | 0.1898% | 5,837 |
| Net interest margin | 3.3382% | 4,446 |
| Noninterest income to average assets | 0.5667% | 3,076 |
| Noninterest expense to average assets | 2.6208% | 4,143 |
| Loan and lease loss provision to assets | 0.2820% | 749 |
| Net operating income to assets | 0.8000% | 3,370 |
| Return on assets (ROA) | 0.7936% | 3,500 |
| Pretax return on assets | 0.8190% | 4,196 |
| Return on Equity (ROE) | 8.0274% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.9998% | 4,103 |
| Net charge-offs to loans | 0.4998% | 821 |
| Credit loss provision to net charge-offs | 82.8001% | 2,811 |
| Earnings coverage of net charge-offs (x) | 3.2521% | 3,934 |
| Efficiency ratio | 70.2910% | 3,482 |
| Assets per employee ($millions) | 6.9836% | 849 |
| Cash dividends to net income (ytd only)* | 62.6310% | 1,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8264% | 1,478 |
| Loan loss allowance to noncurrent loans | 274.7972% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 2,890 |
| Noncurrent loans to loans | 0.6646% | 3,689 |
| Net loans and leases to total assets | 65.7049% | 2,945 |
| Net loans and leases to deposits | 77.4677% | 3,029 |
| Net loans and leases to core deposits | 82.9081% | 3,006 |
| Total domestic deposits to total assets | 84.8159% | 3,362 |
| Equity capital to assets | 9.9714% | 4,149 |
| Core capital (leverage) ratio | 9.9738% | 3,606 |
| Tier 1 risk-based capital ratio | 13.6443% | 4,329 |
| Total risk-based capital ratio | 14.8992% | 4,263 |
| Memoranda: |
| Average total assets | $853,487,800 | 788 |
| Average earning assets | $808,370,000 | 755 |
| Average equity | $84,373,400 | 875 |
| Average total loans | $581,584,200 | 759 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5428% | 5,289 |
| Cost of funding earning assets | 0.1925% | 5,888 |
| Net interest margin | 3.3503% | 4,429 |
| Noninterest income to average assets | 0.6185% | 2,758 |
| Noninterest expense to average assets | 2.5531% | 4,349 |
| Loan and lease loss provision to assets | 0.3755% | 462 |
| Net operating income to assets | 0.8345% | 3,261 |
| Return on assets (ROA) | 0.8315% | 3,365 |
| Pretax return on assets | 0.8564% | 4,157 |
| Return on Equity (ROE) | 8.4293% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.5716% | 3,391 |
| Net charge-offs to loans | 0.1234% | 2,576 |
| Credit loss provision to net charge-offs | 444.4444% | 639 |
| Earnings coverage of net charge-offs (x) | 14.6167% | 2,129 |
| Efficiency ratio | 67.3978% | 3,962 |
| Assets per employee ($millions) | 6.7778% | 881 |
| Cash dividends to net income (ytd only)* | 45.7659% | 2,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2330% | 897 |
| Loan loss allowance to noncurrent loans | 120.0411% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.9576% | 1,480 |
| Noncurrent loans to loans | 1.8602% | 1,717 |
| Net loans and leases to total assets | 65.4114% | 2,966 |
| Net loans and leases to deposits | 77.1599% | 3,054 |
| Net loans and leases to core deposits | 82.4170% | 3,060 |
| Total domestic deposits to total assets | 84.7739% | 3,431 |
| Equity capital to assets | 9.9222% | 4,268 |
| Core capital (leverage) ratio | 10.0447% | 3,611 |
| Tier 1 risk-based capital ratio | 13.8315% | 4,333 |
| Total risk-based capital ratio | 15.0912% | 4,264 |
| Memoranda: |
| Average total assets | $852,112,750 | 791 |
| Average earning assets | $806,160,250 | 758 |
| Average equity | $84,053,500 | 877 |
| Average total loans | $583,256,000 | 753 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5633% | 5,251 |
| Cost of funding earning assets | 0.1942% | 5,960 |
| Net interest margin | 3.3690% | 4,314 |
| Noninterest income to average assets | 0.6154% | 2,736 |
| Noninterest expense to average assets | 2.5675% | 4,360 |
| Loan and lease loss provision to assets | 0.3533% | 504 |
| Net operating income to assets | 0.8523% | 3,061 |
| Return on assets (ROA) | 0.8528% | 3,162 |
| Pretax return on assets | 0.8775% | 3,970 |
| Return on Equity (ROE) | 8.6625% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.7846% | 3,097 |
| Net charge-offs to loans | 0.1967% | 1,844 |
| Credit loss provision to net charge-offs | 260.4167% | 964 |
| Earnings coverage of net charge-offs (x) | 9.0694% | 2,402 |
| Efficiency ratio | 67.6051% | 4,084 |
| Assets per employee ($millions) | 6.8398% | 861 |
| Cash dividends to net income (ytd only)* | 44.7666% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0321% | 1,308 |
| Loan loss allowance to noncurrent loans | 106.7693% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 2.0080% | 1,597 |
| Noncurrent loans to loans | 1.9033% | 1,797 |
| Net loans and leases to total assets | 66.7028% | 2,640 |
| Net loans and leases to deposits | 78.5376% | 2,728 |
| Net loans and leases to core deposits | 83.6678% | 2,774 |
| Total domestic deposits to total assets | 84.9311% | 3,543 |
| Equity capital to assets | 9.8699% | 4,272 |
| Core capital (leverage) ratio | 10.3434% | 3,145 |
| Tier 1 risk-based capital ratio | 13.5049% | 4,577 |
| Total risk-based capital ratio | 14.7625% | 4,512 |
| Memoranda: |
| Average total assets | $849,222,330 | 794 |
| Average earning assets | $802,185,330 | 762 |
| Average equity | $83,601,670 | 879 |
| Average total loans | $585,704,330 | 745 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5746% | 5,236 |
| Cost of funding earning assets | 0.2021% | 5,971 |
| Net interest margin | 3.3725% | 4,250 |
| Noninterest income to average assets | 0.5728% | 2,899 |
| Noninterest expense to average assets | 2.5302% | 4,520 |
| Loan and lease loss provision to assets | 0.2847% | 706 |
| Net operating income to assets | 0.9244% | 2,529 |
| Return on assets (ROA) | 0.9244% | 2,603 |
| Pretax return on assets | 0.9491% | 3,525 |
| Return on Equity (ROE) | 9.4025% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.4880% | 2,793 |
| Net charge-offs to loans | -0.0150% | 5,207 |
| Credit loss provision to net charge-offs | -2,727.2727% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2214% | 4,326 |
| Assets per employee ($millions) | 6.4838% | 1,027 |
| Cash dividends to net income (ytd only)* | 41.6324% | 1,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0008% | 1,513 |
| Loan loss allowance to noncurrent loans | 123.5332% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.9453% | 1,767 |
| Noncurrent loans to loans | 1.6196% | 2,403 |
| Net loans and leases to total assets | 68.5894% | 2,124 |
| Net loans and leases to deposits | 81.1310% | 2,147 |
| Net loans and leases to core deposits | 86.7334% | 2,237 |
| Total domestic deposits to total assets | 84.5415% | 4,068 |
| Equity capital to assets | 10.0815% | 3,745 |
| Core capital (leverage) ratio | 10.2181% | 3,266 |
| Tier 1 risk-based capital ratio | 13.4434% | 4,733 |
| Total risk-based capital ratio | 14.7006% | 4,662 |
| Memoranda: |
| Average total assets | $842,923,500 | 808 |
| Average earning assets | $797,624,000 | 775 |
| Average equity | $82,872,000 | 883 |
| Average total loans | $585,165,500 | 745 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6624% | 5,236 |
| Cost of funding earning assets | 0.2308% | 6,089 |
| Net interest margin | 3.4317% | 4,161 |
| Noninterest income to average assets | 0.6974% | 2,555 |
| Noninterest expense to average assets | 2.7794% | 3,799 |
| Loan and lease loss provision to assets | 0.5764% | 444 |
| Net operating income to assets | 0.5696% | 4,414 |
| Return on assets (ROA) | 0.5604% | 4,574 |
| Pretax return on assets | 0.5778% | 4,943 |
| Return on Equity (ROE) | 5.5053% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.0010% | 4,105 |
| Net charge-offs to loans | 1.3154% | 382 |
| Credit loss provision to net charge-offs | 60.1426% | 3,558 |
| Earnings coverage of net charge-offs (x) | 1.2141% | 4,667 |
| Efficiency ratio | 70.4883% | 3,760 |
| Assets per employee ($millions) | 6.5840% | 950 |
| Cash dividends to net income (ytd only)* | 45.4888% | 2,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8661% | 1,865 |
| Loan loss allowance to noncurrent loans | 78.3253% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.4018% | 1,443 |
| Noncurrent loans to loans | 2.3825% | 1,609 |
| Net loans and leases to total assets | 67.5843% | 2,423 |
| Net loans and leases to deposits | 80.0995% | 2,445 |
| Net loans and leases to core deposits | 86.1963% | 2,423 |
| Total domestic deposits to total assets | 84.3754% | 4,028 |
| Equity capital to assets | 9.5890% | 4,299 |
| Core capital (leverage) ratio | 10.1943% | 3,299 |
| Tier 1 risk-based capital ratio | 12.9999% | 4,972 |
| Total risk-based capital ratio | 14.2553% | 4,920 |
| Memoranda: |
| Average total assets | $804,969,000 | 824 |
| Average earning assets | $761,321,000 | 784 |
| Average equity | $81,939,800 | 871 |
| Average total loans | $586,501,800 | 710 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6877% | 5,193 |
| Cost of funding earning assets | 0.2373% | 6,175 |
| Net interest margin | 3.4504% | 4,086 |
| Noninterest income to average assets | 0.7819% | 2,240 |
| Noninterest expense to average assets | 2.8844% | 3,360 |
| Loan and lease loss provision to assets | 0.6816% | 320 |
| Net operating income to assets | 0.4573% | 4,998 |
| Return on assets (ROA) | 0.4632% | 5,106 |
| Pretax return on assets | 0.4788% | 5,422 |
| Return on Equity (ROE) | 4.4798% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.9534% | 5,155 |
| Net charge-offs to loans | 0.6478% | 945 |
| Credit loss provision to net charge-offs | 142.3050% | 1,652 |
| Earnings coverage of net charge-offs (x) | 2.4100% | 4,030 |
| Efficiency ratio | 71.4185% | 3,528 |
| Assets per employee ($millions) | 6.1998% | 1,112 |
| Cash dividends to net income (ytd only)* | 56.3953% | 1,601 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5886% | 840 |
| Loan loss allowance to noncurrent loans | 88.8572% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.5654% | 1,485 |
| Noncurrent loans to loans | 2.9132% | 1,404 |
| Net loans and leases to total assets | 70.7935% | 1,814 |
| Net loans and leases to deposits | 84.2905% | 1,842 |
| Net loans and leases to core deposits | 91.5922% | 1,804 |
| Total domestic deposits to total assets | 83.9875% | 4,188 |
| Equity capital to assets | 9.9762% | 3,931 |
| Core capital (leverage) ratio | 10.2969% | 3,247 |
| Tier 1 risk-based capital ratio | 12.7608% | 5,286 |
| Total risk-based capital ratio | 14.0243% | 5,214 |
| Memoranda: |
| Average total assets | $792,232,500 | 845 |
| Average earning assets | $747,806,500 | 815 |
| Average equity | $81,906,250 | 874 |
| Average total loans | $585,761,250 | 714 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6524% | 5,283 |
| Cost of funding earning assets | 0.2374% | 6,255 |
| Net interest margin | 3.4150% | 4,135 |
| Noninterest income to average assets | 0.8294% | 2,068 |
| Noninterest expense to average assets | 2.8781% | 3,409 |
| Loan and lease loss provision to assets | 0.7638% | 286 |
| Net operating income to assets | 0.4043% | 5,199 |
| Return on assets (ROA) | 0.4132% | 5,331 |
| Pretax return on assets | 0.4267% | 5,586 |
| Return on Equity (ROE) | 3.9489% | 5,237 |
| Retained earnings to average equity (ytd only) | 0.1727% | 5,805 |
| Net charge-offs to loans | 0.7130% | 916 |
| Credit loss provision to net charge-offs | 144.0230% | 1,585 |
| Earnings coverage of net charge-offs (x) | 2.2276% | 3,785 |
| Efficiency ratio | 70.9000% | 3,660 |
| Assets per employee ($millions) | 6.1038% | 1,129 |
| Cash dividends to net income (ytd only)* | 95.6254% | 588 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5788% | 900 |
| Loan loss allowance to noncurrent loans | 73.5190% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 3.3501% | 1,171 |
| Noncurrent loans to loans | 3.5077% | 1,212 |
| Net loans and leases to total assets | 72.4910% | 1,488 |
| Net loans and leases to deposits | 88.4268% | 1,290 |
| Net loans and leases to core deposits | 96.6826% | 1,298 |
| Total domestic deposits to total assets | 81.9785% | 5,070 |
| Equity capital to assets | 10.4107% | 3,412 |
| Core capital (leverage) ratio | 10.5508% | 2,817 |
| Tier 1 risk-based capital ratio | 12.7911% | 5,295 |
| Total risk-based capital ratio | 14.0545% | 5,215 |
| Memoranda: |
| Average total assets | $785,583,670 | 856 |
| Average earning assets | $743,017,670 | 815 |
| Average equity | $82,200,000 | 872 |
| Average total loans | $584,265,330 | 713 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6744% | 5,241 |
| Cost of funding earning assets | 0.2407% | 6,344 |
| Net interest margin | 3.4337% | 3,991 |
| Noninterest income to average assets | 0.8780% | 1,837 |
| Noninterest expense to average assets | 2.8162% | 3,638 |
| Loan and lease loss provision to assets | 0.7617% | 290 |
| Net operating income to assets | 0.5236% | 4,556 |
| Return on assets (ROA) | 0.5266% | 4,691 |
| Pretax return on assets | 0.5408% | 5,144 |
| Return on Equity (ROE) | 5.0199% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.5006% | 5,235 |
| Net charge-offs to loans | 1.2088% | 480 |
| Credit loss provision to net charge-offs | 84.7458% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1.4458% | 3,348 |
| Efficiency ratio | 68.4269% | 4,235 |
| Assets per employee ($millions) | 5.9658% | 1,278 |
| Cash dividends to net income (ytd only)* | 70.1061% | 1,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4029% | 1,247 |
| Loan loss allowance to noncurrent loans | 52.6145% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 4.1892% | 917 |
| Noncurrent loans to loans | 4.5669% | 904 |
| Net loans and leases to total assets | 72.2986% | 1,307 |
| Net loans and leases to deposits | 85.8896% | 1,362 |
| Net loans and leases to core deposits | 94.4884% | 1,308 |
| Total domestic deposits to total assets | 84.1762% | 4,404 |
| Equity capital to assets | 10.6578% | 3,367 |
| Core capital (leverage) ratio | 10.5063% | 2,767 |
| Tier 1 risk-based capital ratio | 12.9891% | 5,226 |
| Total risk-based capital ratio | 14.2505% | 5,167 |
| Memoranda: |
| Average total assets | $787,735,500 | 858 |
| Average earning assets | $742,755,000 | 825 |
| Average equity | $82,631,500 | 881 |
| Average total loans | $585,723,000 | 711 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0502% | 5,146 |
| Cost of funding earning assets | 0.3214% | 6,350 |
| Net interest margin | 3.7288% | 3,526 |
| Noninterest income to average assets | 0.7539% | 2,478 |
| Noninterest expense to average assets | 2.8886% | 3,685 |
| Loan and lease loss provision to assets | 0.7479% | 672 |
| Net operating income to assets | 0.6027% | 4,225 |
| Return on assets (ROA) | 0.6027% | 4,489 |
| Pretax return on assets | 0.6183% | 4,938 |
| Return on Equity (ROE) | 5.8218% | 4,252 |
| Retained earnings to average equity (ytd only) | 0.9866% | 5,384 |
| Net charge-offs to loans | 0.9763% | 1,119 |
| Credit loss provision to net charge-offs | 101.2871% | 2,989 |
| Earnings coverage of net charge-offs (x) | 1.8502% | 4,506 |
| Efficiency ratio | 67.8908% | 4,167 |
| Assets per employee ($millions) | 6.1532% | 1,190 |
| Cash dividends to net income (ytd only)* | 83.0530% | 904 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3579% | 1,292 |
| Loan loss allowance to noncurrent loans | 50.2374% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 4.2388% | 998 |
| Noncurrent loans to loans | 4.6936% | 886 |
| Net loans and leases to total assets | 72.8640% | 1,360 |
| Net loans and leases to deposits | 86.5136% | 1,444 |
| Net loans and leases to core deposits | 95.6050% | 1,339 |
| Total domestic deposits to total assets | 84.2226% | 4,214 |
| Equity capital to assets | 10.3268% | 3,722 |
| Core capital (leverage) ratio | 9.9683% | 3,443 |
| Tier 1 risk-based capital ratio | 12.5291% | 5,451 |
| Total risk-based capital ratio | 13.7902% | 5,399 |
| Memoranda: |
| Average total assets | $789,138,200 | 843 |
| Average earning assets | $740,900,600 | 806 |
| Average equity | $81,693,600 | 861 |
| Average total loans | $596,852,400 | 688 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1165% | 5,128 |
| Cost of funding earning assets | 0.3370% | 6,434 |
| Net interest margin | 3.7796% | 3,425 |
| Noninterest income to average assets | 0.7339% | 2,548 |
| Noninterest expense to average assets | 2.8380% | 3,847 |
| Loan and lease loss provision to assets | 0.7460% | 669 |
| Net operating income to assets | 0.6846% | 3,984 |
| Return on assets (ROA) | 0.6846% | 4,243 |
| Pretax return on assets | 0.7002% | 4,860 |
| Return on Equity (ROE) | 6.6088% | 4,010 |
| Retained earnings to average equity (ytd only) | 1.2684% | 5,665 |
| Net charge-offs to loans | 0.8741% | 1,256 |
| Credit loss provision to net charge-offs | 112.4457% | 2,602 |
| Earnings coverage of net charge-offs (x) | 2.1799% | 4,169 |
| Efficiency ratio | 66.2446% | 4,408 |
| Assets per employee ($millions) | 6.2457% | 1,099 |
| Cash dividends to net income (ytd only)* | 80.8073% | 635 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4180% | 1,324 |
| Loan loss allowance to noncurrent loans | 53.4418% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 4.1019% | 1,171 |
| Noncurrent loans to loans | 4.5246% | 1,042 |
| Net loans and leases to total assets | 73.1303% | 1,370 |
| Net loans and leases to deposits | 86.3520% | 1,561 |
| Net loans and leases to core deposits | 96.2059% | 1,399 |
| Total domestic deposits to total assets | 84.6885% | 3,896 |
| Equity capital to assets | 10.3233% | 4,051 |
| Core capital (leverage) ratio | 10.2011% | 3,281 |
| Tier 1 risk-based capital ratio | 12.3871% | 5,713 |
| Total risk-based capital ratio | 13.6457% | 5,677 |
| Memoranda: |
| Average total assets | $786,445,000 | 847 |
| Average earning assets | $738,727,500 | 814 |
| Average equity | $81,465,750 | 864 |
| Average total loans | $596,835,000 | 689 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1368% | 5,175 |
| Cost of funding earning assets | 0.3521% | 6,503 |
| Net interest margin | 3.7847% | 3,435 |
| Noninterest income to average assets | 0.7175% | 2,568 |
| Noninterest expense to average assets | 2.8050% | 4,000 |
| Loan and lease loss provision to assets | 0.7416% | 704 |
| Net operating income to assets | 0.7188% | 3,763 |
| Return on assets (ROA) | 0.7188% | 4,035 |
| Pretax return on assets | 0.7329% | 4,733 |
| Return on Equity (ROE) | 6.9312% | 3,817 |
| Retained earnings to average equity (ytd only) | 0.5819% | 5,831 |
| Net charge-offs to loans | 0.7237% | 1,526 |
| Credit loss provision to net charge-offs | 134.4460% | 2,046 |
| Earnings coverage of net charge-offs (x) | 2.6732% | 3,672 |
| Efficiency ratio | 65.5453% | 4,612 |
| Assets per employee ($millions) | 6.2640% | 1,089 |
| Cash dividends to net income (ytd only)* | 91.6044% | 567 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5009% | 1,279 |
| Loan loss allowance to noncurrent loans | 54.0294% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.1366% | 1,210 |
| Noncurrent loans to loans | 4.6289% | 1,126 |
| Net loans and leases to total assets | 71.1282% | 1,715 |
| Net loans and leases to deposits | 83.0494% | 1,971 |
| Net loans and leases to core deposits | 92.2095% | 1,762 |
| Total domestic deposits to total assets | 85.6456% | 3,537 |
| Equity capital to assets | 10.0403% | 4,275 |
| Core capital (leverage) ratio | 10.2554% | 3,092 |
| Tier 1 risk-based capital ratio | 12.4719% | 5,587 |
| Total risk-based capital ratio | 13.7343% | 5,554 |
| Memoranda: |
| Average total assets | $782,108,670 | 853 |
| Average earning assets | $736,071,330 | 820 |
| Average equity | $81,111,000 | 854 |
| Average total loans | $596,070,000 | 692 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2147% | 5,058 |
| Cost of funding earning assets | 0.3759% | 6,522 |
| Net interest margin | 3.8388% | 3,195 |
| Noninterest income to average assets | 0.7244% | 2,536 |
| Noninterest expense to average assets | 2.7371% | 4,294 |
| Loan and lease loss provision to assets | 0.7281% | 705 |
| Net operating income to assets | 0.8654% | 3,076 |
| Return on assets (ROA) | 0.8654% | 3,309 |
| Pretax return on assets | 0.8758% | 4,126 |
| Return on Equity (ROE) | 8.2071% | 3,190 |
| Retained earnings to average equity (ytd only) | 4.8187% | 3,661 |
| Net charge-offs to loans | 1.4162% | 705 |
| Credit loss provision to net charge-offs | 65.9755% | 2,996 |
| Earnings coverage of net charge-offs (x) | 1.4533% | 3,598 |
| Efficiency ratio | 63.0526% | 5,093 |
| Assets per employee ($millions) | 6.0961% | 1,222 |
| Cash dividends to net income (ytd only)* | 41.2861% | 1,716 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2428% | 1,788 |
| Loan loss allowance to noncurrent loans | 65.5768% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 3.4774% | 1,654 |
| Noncurrent loans to loans | 3.4200% | 1,837 |
| Net loans and leases to total assets | 75.9523% | 802 |
| Net loans and leases to deposits | 89.8089% | 983 |
| Net loans and leases to core deposits | 101.7328% | 875 |
| Total domestic deposits to total assets | 84.5709% | 4,241 |
| Equity capital to assets | 10.7541% | 3,204 |
| Core capital (leverage) ratio | 10.7700% | 2,473 |
| Tier 1 risk-based capital ratio | 12.4818% | 5,618 |
| Total risk-based capital ratio | 13.7413% | 5,576 |
| Memoranda: |
| Average total assets | $769,136,000 | 866 |
| Average earning assets | $724,606,500 | 830 |
| Average equity | $81,101,000 | 853 |
| Average total loans | $599,356,500 | 689 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4820% | 5,145 |
| Cost of funding earning assets | 0.5630% | 6,277 |
| Net interest margin | 3.9189% | 3,261 |
| Noninterest income to average assets | 0.6615% | 2,827 |
| Noninterest expense to average assets | 2.9999% | 3,591 |
| Loan and lease loss provision to assets | 0.7390% | 1,371 |
| Net operating income to assets | 0.6227% | 3,874 |
| Return on assets (ROA) | 0.6959% | 3,696 |
| Pretax return on assets | 0.7098% | 4,292 |
| Return on Equity (ROE) | 6.7959% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.3228% | 3,858 |
| Net charge-offs to loans | 0.8587% | 2,019 |
| Credit loss provision to net charge-offs | 109.5896% | 3,059 |
| Earnings coverage of net charge-offs (x) | 2.0376% | 4,253 |
| Efficiency ratio | 68.5866% | 4,235 |
| Assets per employee ($millions) | 5.9713% | 1,245 |
| Cash dividends to net income (ytd only)* | 51.1057% | 1,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3077% | 1,608 |
| Loan loss allowance to noncurrent loans | 61.1915% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.7742% | 1,537 |
| Noncurrent loans to loans | 3.7712% | 1,663 |
| Net loans and leases to total assets | 76.3494% | 896 |
| Net loans and leases to deposits | 88.2738% | 1,343 |
| Net loans and leases to core deposits | 99.8105% | 1,197 |
| Total domestic deposits to total assets | 86.4916% | 3,035 |
| Equity capital to assets | 10.3386% | 3,731 |
| Core capital (leverage) ratio | 10.1753% | 3,127 |
| Tier 1 risk-based capital ratio | 12.1664% | 5,712 |
| Total risk-based capital ratio | 13.4269% | 5,682 |
| Memoranda: |
| Average total assets | $773,215,000 | 850 |
| Average earning assets | $732,470,800 | 811 |
| Average equity | $79,180,000 | 849 |
| Average total loans | $607,178,800 | 691 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5418% | 5,114 |
| Cost of funding earning assets | 0.5883% | 6,339 |
| Net interest margin | 3.9535% | 3,139 |
| Noninterest income to average assets | 0.6481% | 2,892 |
| Noninterest expense to average assets | 2.8145% | 4,288 |
| Loan and lease loss provision to assets | 0.7767% | 1,212 |
| Net operating income to assets | 0.7906% | 3,211 |
| Return on assets (ROA) | 0.8698% | 3,007 |
| Pretax return on assets | 0.8844% | 3,826 |
| Return on Equity (ROE) | 8.5140% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.0300% | 3,153 |
| Net charge-offs to loans | 0.9225% | 1,738 |
| Credit loss provision to net charge-offs | 107.0919% | 3,088 |
| Earnings coverage of net charge-offs (x) | 2.1790% | 4,039 |
| Efficiency ratio | 64.0405% | 5,062 |
| Assets per employee ($millions) | 6.0074% | 1,198 |
| Cash dividends to net income (ytd only)* | 40.9207% | 1,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2917% | 1,704 |
| Loan loss allowance to noncurrent loans | 83.2659% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 3.0584% | 2,098 |
| Noncurrent loans to loans | 2.7522% | 2,538 |
| Net loans and leases to total assets | 75.3297% | 1,088 |
| Net loans and leases to deposits | 87.8825% | 1,446 |
| Net loans and leases to core deposits | 101.0420% | 1,160 |
| Total domestic deposits to total assets | 85.7164% | 3,367 |
| Equity capital to assets | 10.2846% | 3,976 |
| Core capital (leverage) ratio | 10.5107% | 2,856 |
| Tier 1 risk-based capital ratio | 11.7021% | 6,105 |
| Total risk-based capital ratio | 12.9273% | 6,116 |
| Memoranda: |
| Average total assets | $772,453,000 | 858 |
| Average earning assets | $732,053,000 | 820 |
| Average equity | $78,911,250 | 862 |
| Average total loans | $607,305,500 | 694 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5985% | 4,966 |
| Cost of funding earning assets | 0.6047% | 6,435 |
| Net interest margin | 3.9938% | 2,866 |
| Noninterest income to average assets | 0.6502% | 2,839 |
| Noninterest expense to average assets | 2.7762% | 4,521 |
| Loan and lease loss provision to assets | 0.7796% | 1,192 |
| Net operating income to assets | 0.8744% | 2,752 |
| Return on assets (ROA) | 1.0109% | 2,281 |
| Pretax return on assets | 1.0265% | 3,134 |
| Return on Equity (ROE) | 9.9182% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.4124% | 2,184 |
| Net charge-offs to loans | 0.9645% | 1,625 |
| Credit loss provision to net charge-offs | 102.1450% | 3,028 |
| Earnings coverage of net charge-offs (x) | 2.1839% | 3,748 |
| Efficiency ratio | 62.4846% | 5,506 |
| Assets per employee ($millions) | 5.9700% | 1,204 |
| Cash dividends to net income (ytd only)* | 35.3470% | 2,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2528% | 1,819 |
| Loan loss allowance to noncurrent loans | 87.4694% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 2.9403% | 2,283 |
| Noncurrent loans to loans | 2.5755% | 2,801 |
| Net loans and leases to total assets | 75.8278% | 1,095 |
| Net loans and leases to deposits | 88.4380% | 1,436 |
| Net loans and leases to core deposits | 103.9606% | 1,046 |
| Total domestic deposits to total assets | 85.7412% | 3,475 |
| Equity capital to assets | 10.2787% | 3,784 |
| Core capital (leverage) ratio | 10.5502% | 2,660 |
| Tier 1 risk-based capital ratio | 11.5726% | 6,113 |
| Total risk-based capital ratio | 12.7976% | 6,125 |
| Memoranda: |
| Average total assets | $769,617,330 | 872 |
| Average earning assets | $730,886,000 | 827 |
| Average equity | $78,442,000 | 864 |
| Average total loans | $609,043,000 | 701 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6126% | 4,890 |
| Cost of funding earning assets | 0.6208% | 6,521 |
| Net interest margin | 3.9918% | 2,716 |
| Noninterest income to average assets | 0.6775% | 2,689 |
| Noninterest expense to average assets | 2.7950% | 4,465 |
| Loan and lease loss provision to assets | 0.7829% | 1,089 |
| Net operating income to assets | 0.8889% | 2,623 |
| Return on assets (ROA) | 0.8889% | 2,688 |
| Pretax return on assets | 0.9056% | 3,473 |
| Return on Equity (ROE) | 8.7584% | 2,582 |
| Retained earnings to average equity (ytd only) | 5.2252% | 3,046 |
| Net charge-offs to loans | 0.9364% | 1,430 |
| Credit loss provision to net charge-offs | 104.6025% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.2559% | 3,186 |
| Efficiency ratio | 62.3399% | 5,627 |
| Assets per employee ($millions) | 5.8522% | 1,303 |
| Cash dividends to net income (ytd only)* | 40.3406% | 1,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2596% | 1,840 |
| Loan loss allowance to noncurrent loans | 77.8403% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 2.9920% | 2,307 |
| Noncurrent loans to loans | 2.9028% | 2,589 |
| Net loans and leases to total assets | 77.1321% | 858 |
| Net loans and leases to deposits | 90.7087% | 1,155 |
| Net loans and leases to core deposits | 106.3533% | 922 |
| Total domestic deposits to total assets | 85.0328% | 4,015 |
| Equity capital to assets | 10.2513% | 3,468 |
| Core capital (leverage) ratio | 10.2418% | 2,874 |
| Tier 1 risk-based capital ratio | 11.5743% | 6,044 |
| Total risk-based capital ratio | 12.8323% | 6,027 |
| Memoranda: |
| Average total assets | $766,375,000 | 878 |
| Average earning assets | $730,693,000 | 838 |
| Average equity | $77,776,500 | 862 |
| Average total loans | $612,532,500 | 704 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8388% | 5,282 |
| Cost of funding earning assets | 0.7783% | 6,652 |
| Net interest margin | 4.0605% | 2,747 |
| Noninterest income to average assets | 0.7252% | 2,675 |
| Noninterest expense to average assets | 2.6666% | 5,144 |
| Loan and lease loss provision to assets | 1.8193% | 760 |
| Net operating income to assets | 0.0612% | 5,674 |
| Return on assets (ROA) | 0.1140% | 5,690 |
| Pretax return on assets | 0.1276% | 5,649 |
| Return on Equity (ROE) | 1.1376% | 5,658 |
| Retained earnings to average equity (ytd only) | -1.7481% | 5,924 |
| Net charge-offs to loans | 2.0422% | 986 |
| Credit loss provision to net charge-offs | 107.6023% | 4,122 |
| Earnings coverage of net charge-offs (x) | 1.1164% | 4,993 |
| Efficiency ratio | 58.5532% | 6,273 |
| Assets per employee ($millions) | 5.9382% | 1,250 |
| Cash dividends to net income (ytd only)* | 253.6640% | 90 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1611% | 1,946 |
| Loan loss allowance to noncurrent loans | 60.5707% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 3.4582% | 2,014 |
| Noncurrent loans to loans | 3.5679% | 2,108 |
| Net loans and leases to total assets | 79.1732% | 773 |
| Net loans and leases to deposits | 92.7141% | 1,171 |
| Net loans and leases to core deposits | 107.2548% | 1,104 |
| Total domestic deposits to total assets | 85.3950% | 3,664 |
| Equity capital to assets | 10.0474% | 3,691 |
| Core capital (leverage) ratio | 9.7330% | 3,393 |
| Tier 1 risk-based capital ratio | 11.0105% | 6,315 |
| Total risk-based capital ratio | 12.2588% | 6,293 |
| Memoranda: |
| Average total assets | $777,993,000 | 872 |
| Average earning assets | $733,632,800 | 838 |
| Average equity | $77,971,400 | 845 |
| Average total loans | $644,101,800 | 682 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9056% | 5,243 |
| Cost of funding earning assets | 0.8030% | 6,753 |
| Net interest margin | 4.1026% | 2,609 |
| Noninterest income to average assets | 0.6667% | 3,032 |
| Noninterest expense to average assets | 2.6023% | 5,315 |
| Loan and lease loss provision to assets | 1.4855% | 901 |
| Net operating income to assets | 0.4240% | 4,647 |
| Return on assets (ROA) | 0.5006% | 4,504 |
| Pretax return on assets | 0.5143% | 4,876 |
| Return on Equity (ROE) | 4.9986% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.1561% | 5,357 |
| Net charge-offs to loans | 0.6749% | 2,740 |
| Credit loss provision to net charge-offs | 264.3836% | 1,248 |
| Earnings coverage of net charge-offs (x) | 3.4186% | 3,461 |
| Efficiency ratio | 57.5329% | 6,336 |
| Assets per employee ($millions) | 6.0341% | 1,219 |
| Cash dividends to net income (ytd only)* | 76.8706% | 720 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7874% | 1,012 |
| Loan loss allowance to noncurrent loans | 46.9262% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 4.8628% | 1,340 |
| Noncurrent loans to loans | 5.9400% | 1,058 |
| Net loans and leases to total assets | 79.5823% | 811 |
| Net loans and leases to deposits | 94.0386% | 1,196 |
| Net loans and leases to core deposits | 108.3251% | 1,138 |
| Total domestic deposits to total assets | 84.6272% | 3,815 |
| Equity capital to assets | 10.1874% | 3,898 |
| Core capital (leverage) ratio | 10.3084% | 2,904 |
| Tier 1 risk-based capital ratio | 11.4056% | 6,017 |
| Total risk-based capital ratio | 12.6706% | 5,987 |
| Memoranda: |
| Average total assets | $779,500,750 | 871 |
| Average earning assets | $732,718,000 | 837 |
| Average equity | $78,073,750 | 848 |
| Average total loans | $648,955,500 | 677 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0063% | 4,915 |
| Cost of funding earning assets | 0.8278% | 6,825 |
| Net interest margin | 4.1785% | 2,230 |
| Noninterest income to average assets | 0.6050% | 3,303 |
| Noninterest expense to average assets | 2.7344% | 4,764 |
| Loan and lease loss provision to assets | 1.1383% | 1,264 |
| Net operating income to assets | 0.6242% | 3,758 |
| Return on assets (ROA) | 0.6317% | 3,867 |
| Pretax return on assets | 0.6454% | 4,419 |
| Return on Equity (ROE) | 6.3439% | 3,625 |
| Retained earnings to average equity (ytd only) | 0.5345% | 5,547 |
| Net charge-offs to loans | 0.5611% | 2,853 |
| Credit loss provision to net charge-offs | 242.3098% | 1,584 |
| Earnings coverage of net charge-offs (x) | 3.7805% | 3,178 |
| Efficiency ratio | 60.6259% | 5,928 |
| Assets per employee ($millions) | 5.9669% | 1,253 |
| Cash dividends to net income (ytd only)* | 91.5751% | 561 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3217% | 1,552 |
| Loan loss allowance to noncurrent loans | 42.3088% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 4.6729% | 1,388 |
| Noncurrent loans to loans | 5.4875% | 1,204 |
| Net loans and leases to total assets | 83.1794% | 417 |
| Net loans and leases to deposits | 98.0082% | 874 |
| Net loans and leases to core deposits | 113.3809% | 953 |
| Total domestic deposits to total assets | 84.8698% | 3,701 |
| Equity capital to assets | 10.2789% | 3,674 |
| Core capital (leverage) ratio | 10.3080% | 2,817 |
| Tier 1 risk-based capital ratio | 11.0365% | 6,201 |
| Total risk-based capital ratio | 12.2958% | 6,184 |
| Memoranda: |
| Average total assets | $777,857,330 | 877 |
| Average earning assets | $727,004,000 | 845 |
| Average equity | $77,460,670 | 844 |
| Average total loans | $651,218,000 | 678 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0685% | 4,685 |
| Cost of funding earning assets | 0.8588% | 6,905 |
| Net interest margin | 4.2097% | 2,004 |
| Noninterest income to average assets | 0.6299% | 3,085 |
| Noninterest expense to average assets | 2.5848% | 5,417 |
| Loan and lease loss provision to assets | 1.2740% | 952 |
| Net operating income to assets | 0.6523% | 3,653 |
| Return on assets (ROA) | 0.6523% | 3,775 |
| Pretax return on assets | 0.6656% | 4,354 |
| Return on Equity (ROE) | 6.6547% | 3,538 |
| Retained earnings to average equity (ytd only) | 5.8749% | 2,680 |
| Net charge-offs to loans | -0.0454% | 7,318 |
| Credit loss provision to net charge-offs | -3,378.3784% | 6,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1300% | 6,616 |
| Assets per employee ($millions) | 5.9806% | 1,270 |
| Cash dividends to net income (ytd only)* | 11.7188% | 2,386 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3284% | 1,532 |
| Loan loss allowance to noncurrent loans | 56.8959% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 3.4341% | 2,053 |
| Noncurrent loans to loans | 4.0924% | 1,895 |
| Net loans and leases to total assets | 81.9606% | 599 |
| Net loans and leases to deposits | 94.9167% | 1,243 |
| Net loans and leases to core deposits | 109.3035% | 1,331 |
| Total domestic deposits to total assets | 86.3500% | 2,961 |
| Equity capital to assets | 10.1233% | 3,714 |
| Core capital (leverage) ratio | 10.3118% | 2,800 |
| Tier 1 risk-based capital ratio | 10.9474% | 6,209 |
| Total risk-based capital ratio | 12.2062% | 6,172 |
| Memoranda: |
| Average total assets | $784,907,000 | 885 |
| Average earning assets | $726,133,000 | 868 |
| Average equity | $76,938,000 | 851 |
| Average total loans | $651,632,500 | 694 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1032% | 6,073 |
| Cost of funding earning assets | 1.1727% | 6,757 |
| Net interest margin | 3.9306% | 3,156 |
| Noninterest income to average assets | 0.7021% | 2,956 |
| Noninterest expense to average assets | 2.7063% | 5,362 |
| Loan and lease loss provision to assets | 1.4562% | 1,582 |
| Net operating income to assets | 0.2252% | 4,819 |
| Return on assets (ROA) | 0.3164% | 4,552 |
| Pretax return on assets | 0.3301% | 4,688 |
| Return on Equity (ROE) | 3.4277% | 4,316 |
| Retained earnings to average equity (ytd only) | -0.6448% | 5,154 |
| Net charge-offs to loans | 1.1785% | 2,080 |
| Credit loss provision to net charge-offs | 148.5934% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.7258% | 4,439 |
| Efficiency ratio | 61.5400% | 6,232 |
| Assets per employee ($millions) | 6.0940% | 1,188 |
| Cash dividends to net income (ytd only)* | 118.8119% | 418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9059% | 2,248 |
| Loan loss allowance to noncurrent loans | 62.7258% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.4962% | 2,797 |
| Noncurrent loans to loans | 3.0384% | 2,540 |
| Net loans and leases to total assets | 80.5905% | 900 |
| Net loans and leases to deposits | 91.8950% | 1,912 |
| Net loans and leases to core deposits | 121.9663% | 1,784 |
| Total domestic deposits to total assets | 87.6984% | 2,124 |
| Equity capital to assets | 9.4918% | 4,419 |
| Core capital (leverage) ratio | 9.6300% | 3,548 |
| Tier 1 risk-based capital ratio | 10.8069% | 6,107 |
| Total risk-based capital ratio | 12.0614% | 6,077 |
| Memoranda: |
| Average total assets | $797,943,400 | 860 |
| Average earning assets | $750,250,400 | 829 |
| Average equity | $73,663,800 | 884 |
| Average total loans | $663,573,600 | 703 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0796% | 6,343 |
| Cost of funding earning assets | 1.2337% | 6,788 |
| Net interest margin | 3.8459% | 3,453 |
| Noninterest income to average assets | 0.7368% | 2,783 |
| Noninterest expense to average assets | 2.8676% | 4,579 |
| Loan and lease loss provision to assets | 0.8640% | 2,224 |
| Net operating income to assets | 0.6239% | 3,523 |
| Return on assets (ROA) | 0.7480% | 3,091 |
| Pretax return on assets | 0.7619% | 3,661 |
| Return on Equity (ROE) | 8.1599% | 2,575 |
| Retained earnings to average equity (ytd only) | 2.6908% | 3,824 |
| Net charge-offs to loans | 0.8348% | 2,292 |
| Credit loss provision to net charge-offs | 124.0701% | 4,065 |
| Earnings coverage of net charge-offs (x) | 2.1529% | 4,213 |
| Efficiency ratio | 65.6691% | 5,425 |
| Assets per employee ($millions) | 6.1859% | 1,126 |
| Cash dividends to net income (ytd only)* | 67.0241% | 1,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4396% | 3,741 |
| Loan loss allowance to noncurrent loans | 38.2882% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 3.1513% | 2,167 |
| Noncurrent loans to loans | 3.7598% | 1,981 |
| Net loans and leases to total assets | 82.6106% | 725 |
| Net loans and leases to deposits | 94.7739% | 1,753 |
| Net loans and leases to core deposits | 127.9103% | 1,586 |
| Total domestic deposits to total assets | 87.1661% | 2,094 |
| Equity capital to assets | 9.5393% | 4,695 |
| Core capital (leverage) ratio | 9.8348% | 3,474 |
| Tier 1 risk-based capital ratio | 10.7978% | 6,158 |
| Total risk-based capital ratio | 12.0482% | 6,124 |
| Memoranda: |
| Average total assets | $797,849,250 | 870 |
| Average earning assets | $753,060,000 | 837 |
| Average equity | $73,136,000 | 905 |
| Average total loans | $665,499,500 | 719 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0474% | 6,630 |
| Cost of funding earning assets | 1.2627% | 6,915 |
| Net interest margin | 3.7847% | 3,612 |
| Noninterest income to average assets | 0.7940% | 2,442 |
| Noninterest expense to average assets | 2.9278% | 4,396 |
| Loan and lease loss provision to assets | 0.6962% | 2,342 |
| Net operating income to assets | 0.7502% | 3,042 |
| Return on assets (ROA) | 0.8442% | 2,779 |
| Pretax return on assets | 0.8593% | 3,478 |
| Return on Equity (ROE) | 9.3378% | 2,241 |
| Retained earnings to average equity (ytd only) | 0.9980% | 4,775 |
| Net charge-offs to loans | 0.4413% | 3,047 |
| Credit loss provision to net charge-offs | 189.4665% | 2,411 |
| Earnings coverage of net charge-offs (x) | 3.9720% | 3,259 |
| Efficiency ratio | 66.7335% | 5,406 |
| Assets per employee ($millions) | 6.4105% | 1,004 |
| Cash dividends to net income (ytd only)* | 89.3123% | 896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5021% | 3,180 |
| Loan loss allowance to noncurrent loans | 36.2451% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 3.2631% | 1,911 |
| Noncurrent loans to loans | 4.1443% | 1,605 |
| Net loans and leases to total assets | 77.5547% | 1,848 |
| Net loans and leases to deposits | 87.4576% | 3,272 |
| Net loans and leases to core deposits | 119.1402% | 2,442 |
| Total domestic deposits to total assets | 88.6769% | 1,449 |
| Equity capital to assets | 8.6289% | 5,853 |
| Core capital (leverage) ratio | 9.7585% | 3,566 |
| Tier 1 risk-based capital ratio | 10.5990% | 6,296 |
| Total risk-based capital ratio | 11.8498% | 6,233 |
| Memoranda: |
| Average total assets | $795,744,330 | 884 |
| Average earning assets | $755,518,670 | 845 |
| Average equity | $71,944,000 | 934 |
| Average total loans | $662,656,670 | 745 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1961% | 6,313 |
| Cost of funding earning assets | 1.2811% | 7,077 |
| Net interest margin | 3.9151% | 2,991 |
| Noninterest income to average assets | 0.7989% | 2,331 |
| Noninterest expense to average assets | 3.2798% | 2,717 |
| Loan and lease loss provision to assets | 0.1402% | 5,156 |
| Net operating income to assets | 1.1223% | 1,891 |
| Return on assets (ROA) | 1.2158% | 1,720 |
| Pretax return on assets | 1.2319% | 2,512 |
| Return on Equity (ROE) | 13.1190% | 1,360 |
| Retained earnings to average equity (ytd only) | 4.7166% | 3,288 |
| Net charge-offs to loans | -0.0018% | 7,107 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9672% | 4,201 |
| Assets per employee ($millions) | 5.7860% | 1,332 |
| Cash dividends to net income (ytd only)* | 64.0478% | 1,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3462% | 3,817 |
| Loan loss allowance to noncurrent loans | 43.0092% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 2.6513% | 2,164 |
| Noncurrent loans to loans | 3.1301% | 2,066 |
| Net loans and leases to total assets | 83.5642% | 756 |
| Net loans and leases to deposits | 94.7994% | 2,136 |
| Net loans and leases to core deposits | 127.1350% | 1,841 |
| Total domestic deposits to total assets | 88.1484% | 1,683 |
| Equity capital to assets | 9.0448% | 5,302 |
| Core capital (leverage) ratio | 10.4300% | 3,001 |
| Tier 1 risk-based capital ratio | 10.7218% | 6,163 |
| Total risk-based capital ratio | 11.9066% | 6,144 |
| Memoranda: |
| Average total assets | $770,525,500 | 908 |
| Average earning assets | $739,703,000 | 864 |
| Average equity | $71,408,000 | 943 |
| Average total loans | $660,854,000 | 754 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0059% | 5,520 |
| Cost of funding earning assets | 1.8527% | 6,860 |
| Net interest margin | 4.1533% | 2,488 |
| Noninterest income to average assets | 0.5866% | 3,957 |
| Noninterest expense to average assets | 2.4377% | 6,267 |
| Loan and lease loss provision to assets | 0.8740% | 1,705 |
| Net operating income to assets | 1.2602% | 1,604 |
| Return on assets (ROA) | 1.2632% | 1,538 |
| Pretax return on assets | 1.2799% | 2,378 |
| Return on Equity (ROE) | 12.4092% | 1,476 |
| Retained earnings to average equity (ytd only) | 0.9014% | 4,691 |
| Net charge-offs to loans | 1.0701% | 1,139 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 2.4609% | 4,846 |
| Efficiency ratio | 53.1246% | 7,366 |
| Assets per employee ($millions) | 5.6703% | 1,340 |
| Cash dividends to net income (ytd only)* | 92.7357% | 1,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3279% | 3,607 |
| Loan loss allowance to noncurrent loans | 71.3700% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 3,016 |
| Noncurrent loans to loans | 1.8606% | 2,972 |
| Net loans and leases to total assets | 85.7213% | 638 |
| Net loans and leases to deposits | 99.4442% | 1,916 |
| Net loans and leases to core deposits | 119.2426% | 2,767 |
| Total domestic deposits to total assets | 86.2004% | 2,313 |
| Equity capital to assets | 9.4998% | 4,698 |
| Core capital (leverage) ratio | 10.3671% | 3,101 |
| Tier 1 risk-based capital ratio | 10.9193% | 5,798 |
| Total risk-based capital ratio | 12.1014% | 5,769 |
| Memoranda: |
| Average total assets | $768,279,200 | 884 |
| Average earning assets | $740,282,600 | 825 |
| Average equity | $78,208,400 | 853 |
| Average total loans | $627,518,400 | 761 |
