Home > Powell Valley National Bank > Performance and Condition Ratios
Powell Valley National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 2,515 |
| Cost of funding earning assets | 1.7060% | 1,440 |
| Net interest margin | 3.0734% | 3,150 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.6667% | 1,826 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.3715% | 3,923 |
| Return on assets (ROA) | 0.3778% | 3,912 |
| Pretax return on assets | 0.4826% | 3,843 |
| Return on Equity (ROE) | 4.3200% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.3186% | 2,858 |
| Net charge-offs to loans | 0.0391% | 1,527 |
| Credit loss provision to net charge-offs | 471.3178% | 704 |
| Earnings coverage of net charge-offs (x) | 22.2016% | 1,821 |
| Efficiency ratio | 81.5713% | 805 |
| Assets per employee ($millions) | 5.5908% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 1,802 |
| Loan loss allowance to noncurrent loans | 281.8706% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 1,618 |
| Noncurrent loans to loans | 0.4587% | 1,634 |
| Net loans and leases to total assets | 68.2800% | 2,002 |
| Net loans and leases to deposits | 75.3962% | 2,512 |
| Net loans and leases to core deposits | 77.8737% | 2,849 |
| Total domestic deposits to total assets | 90.5600% | 614 |
| Equity capital to assets | 8.7384% | 2,873 |
| Core capital (leverage) ratio | 9.2389% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8927% | 1,565 |
| Memoranda: | ||
| Average total assets | $475,374,800 | 1,782 |
| Average earning assets | $447,719,000 | 1,755 |
| Average equity | $41,587,600 | 1,827 |
| Average total loans | $329,668,600 | 1,691 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 2,551 |
| Cost of funding earning assets | 1.5031% | 1,596 |
| Net interest margin | 3.1583% | 3,010 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.6136% | 1,906 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.4873% | 3,790 |
| Return on assets (ROA) | 0.4963% | 3,771 |
| Pretax return on assets | 0.5936% | 3,742 |
| Return on Equity (ROE) | 5.6700% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.6712% | 2,727 |
| Net charge-offs to loans | 0.0045% | 2,320 |
| Credit loss provision to net charge-offs | 5,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 242.2727% | 523 |
| Efficiency ratio | 77.6088% | 1,037 |
| Assets per employee ($millions) | 5.4887% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,729 |
| Loan loss allowance to noncurrent loans | 399.5575% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 2,055 |
| Noncurrent loans to loans | 0.3334% | 2,036 |
| Net loans and leases to total assets | 69.2400% | 1,911 |
| Net loans and leases to deposits | 76.3871% | 2,383 |
| Net loans and leases to core deposits | 79.8789% | 2,612 |
| Total domestic deposits to total assets | 90.6500% | 763 |
| Equity capital to assets | 8.5831% | 2,676 |
| Core capital (leverage) ratio | 9.3860% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8872% | 1,596 |
| Memoranda: | ||
| Average total assets | $471,221,250 | 1,793 |
| Average earning assets | $443,596,750 | 1,769 |
| Average equity | $41,236,500 | 1,826 |
| Average total loans | $327,008,750 | 1,697 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 2,529 |
| Cost of funding earning assets | 1.2301% | 1,902 |
| Net interest margin | 3.3182% | 2,710 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6403% | 1,819 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.5829% | 3,626 |
| Return on assets (ROA) | 0.5962% | 3,585 |
| Pretax return on assets | 0.7306% | 3,541 |
| Return on Equity (ROE) | 6.7700% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.7682% | 2,364 |
| Net charge-offs to loans | 0.0149% | 1,641 |
| Credit loss provision to net charge-offs | 1,691.6667% | 297 |
| Earnings coverage of net charge-offs (x) | 86.4583% | 1,009 |
| Efficiency ratio | 74.8302% | 1,273 |
| Assets per employee ($millions) | 5.3441% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,079 |
| Loan loss allowance to noncurrent loans | 329.4028% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 1,773 |
| Noncurrent loans to loans | 0.3850% | 1,771 |
| Net loans and leases to total assets | 71.2100% | 1,619 |
| Net loans and leases to deposits | 78.6747% | 2,070 |
| Net loans and leases to core deposits | 82.1378% | 2,324 |
| Total domestic deposits to total assets | 90.5100% | 779 |
| Equity capital to assets | 8.8691% | 2,611 |
| Core capital (leverage) ratio | 9.4994% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8096% | 1,619 |
| Memoranda: | ||
| Average total assets | $467,293,000 | 1,803 |
| Average earning assets | $439,642,000 | 1,787 |
| Average equity | $41,163,000 | 1,838 |
| Average total loans | $323,026,333 | 1,692 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,736 |
| Cost of funding earning assets | 1.0299% | 1,947 |
| Net interest margin | 3.2953% | 2,891 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.3779% | 2,590 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9023% | 2,845 |
| Return on assets (ROA) | 0.9300% | 2,711 |
| Pretax return on assets | 1.0932% | 2,729 |
| Return on Equity (ROE) | 10.5900% | 2,609 |
| Retained earnings to average equity (ytd only) | 10.5944% | 1,558 |
| Net charge-offs to loans | -0.0114% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.4051% | 2,046 |
| Assets per employee ($millions) | 5.4404% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,254 |
| Loan loss allowance to noncurrent loans | 243.5386% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,440 |
| Noncurrent loans to loans | 0.5163% | 1,434 |
| Net loans and leases to total assets | 67.6900% | 1,871 |
| Net loans and leases to deposits | 74.8346% | 2,228 |
| Net loans and leases to core deposits | 78.6000% | 2,348 |
| Total domestic deposits to total assets | 90.4500% | 996 |
| Equity capital to assets | 8.9314% | 2,567 |
| Core capital (leverage) ratio | 9.5740% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4270% | 1,513 |
| Memoranda: | ||
| Average total assets | $465,797,000 | 1,833 |
| Average earning assets | $438,081,000 | 1,812 |
| Average equity | $40,889,500 | 1,871 |
| Average total loans | $314,947,000 | 1,740 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 2,636 |
| Cost of funding earning assets | 0.3273% | 2,659 |
| Net interest margin | 3.3347% | 2,470 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.5707% | 1,903 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.8749% | 3,066 |
| Return on assets (ROA) | 0.8753% | 3,000 |
| Pretax return on assets | 0.9882% | 3,104 |
| Return on Equity (ROE) | 9.3600% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.1921% | 3,330 |
| Net charge-offs to loans | 0.0004% | 2,601 |
| Credit loss provision to net charge-offs | 75,900.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 5,071.0000% | 28 |
| Efficiency ratio | 68.8762% | 1,857 |
| Assets per employee ($millions) | 5.5870% | 3,140 |
| Cash dividends to net income (ytd only)* | 55.1950% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,022 |
| Loan loss allowance to noncurrent loans | 246.5874% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 1,477 |
| Noncurrent loans to loans | 0.5165% | 1,411 |
| Net loans and leases to total assets | 65.8200% | 2,061 |
| Net loans and leases to deposits | 72.5020% | 2,372 |
| Net loans and leases to core deposits | 76.2647% | 2,400 |
| Total domestic deposits to total assets | 90.7900% | 1,026 |
| Equity capital to assets | 8.6240% | 2,613 |
| Core capital (leverage) ratio | 9.6197% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4634% | 1,486 |
| Memoranda: | ||
| Average total assets | $436,543,000 | 1,899 |
| Average earning assets | $409,061,000 | 1,885 |
| Average equity | $40,838,800 | 1,892 |
| Average total loans | $276,145,600 | 1,834 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4719% | 2,704 |
| Cost of funding earning assets | 0.2112% | 3,136 |
| Net interest margin | 3.2607% | 2,424 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.5593% | 1,826 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9060% | 2,844 |
| Return on assets (ROA) | 0.9066% | 2,819 |
| Pretax return on assets | 1.0474% | 2,880 |
| Return on Equity (ROE) | 9.4900% | 2,878 |
| Retained earnings to average equity (ytd only) | 6.1776% | 2,689 |
| Net charge-offs to loans | -0.0020% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1060% | 2,003 |
| Assets per employee ($millions) | 5.1428% | 3,552 |
| Cash dividends to net income (ytd only)* | 34.9076% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,188 |
| Loan loss allowance to noncurrent loans | 207.5141% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 1,322 |
| Noncurrent loans to loans | 0.6106% | 1,327 |
| Net loans and leases to total assets | 66.2500% | 1,861 |
| Net loans and leases to deposits | 73.4792% | 2,093 |
| Net loans and leases to core deposits | 76.8365% | 2,127 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 9.1951% | 2,090 |
| Core capital (leverage) ratio | 10.0179% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3378% | 1,330 |
| Memoranda: | ||
| Average total assets | $429,749,250 | 1,933 |
| Average earning assets | $402,231,000 | 1,916 |
| Average equity | $41,050,750 | 1,915 |
| Average total loans | $267,889,500 | 1,865 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 2,903 |
| Cost of funding earning assets | 0.1794% | 3,190 |
| Net interest margin | 3.0672% | 2,659 |
| Noninterest income to average assets | 0.8448% | 951 |
| Noninterest expense to average assets | 2.5291% | 1,840 |
| Loan and lease loss provision to assets | 0.1207% | 822 |
| Net operating income to assets | 0.9464% | 2,378 |
| Return on assets (ROA) | 0.9464% | 2,350 |
| Pretax return on assets | 1.0648% | 2,531 |
| Return on Equity (ROE) | 9.7846% | 2,411 |
| Retained earnings to average equity (ytd only) | 6.5070% | 2,173 |
| Net charge-offs to loans | -0.0008% | 3,018 |
| Credit loss provision to net charge-offs | -25,900.0000% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0848% | 2,230 |
| Assets per employee ($millions) | 5.2238% | 3,493 |
| Cash dividends to net income (ytd only)* | 33.4975% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,396 |
| Loan loss allowance to noncurrent loans | 187.2618% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 1,328 |
| Noncurrent loans to loans | 0.6714% | 1,281 |
| Net loans and leases to total assets | 62.3159% | 2,088 |
| Net loans and leases to deposits | 69.2929% | 2,275 |
| Net loans and leases to core deposits | 73.5240% | 2,206 |
| Total domestic deposits to total assets | 89.9312% | 1,738 |
| Equity capital to assets | 9.4540% | 2,052 |
| Core capital (leverage) ratio | 10.0871% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8939% | 1,203 |
| Memoranda: | ||
| Average total assets | $429,001,667 | 1,943 |
| Average earning assets | $401,410,333 | 1,938 |
| Average equity | $41,493,667 | 1,939 |
| Average total loans | $260,560,667 | 1,893 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 3,079 |
| Cost of funding earning assets | 0.1734% | 3,176 |
| Net interest margin | 2.8881% | 2,876 |
| Noninterest income to average assets | 0.6027% | 1,683 |
| Noninterest expense to average assets | 2.3857% | 2,213 |
| Loan and lease loss provision to assets | 0.0234% | 1,937 |
| Net operating income to assets | 0.7284% | 2,947 |
| Return on assets (ROA) | 0.7284% | 2,936 |
| Pretax return on assets | 0.8943% | 2,800 |
| Return on Equity (ROE) | 7.4451% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.1873% | 2,871 |
| Net charge-offs to loans | -0.0063% | 3,419 |
| Credit loss provision to net charge-offs | -625.0000% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2191% | 1,948 |
| Assets per employee ($millions) | 5.1587% | 3,618 |
| Cash dividends to net income (ytd only)* | 43.7580% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,620 |
| Loan loss allowance to noncurrent loans | 154.6506% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,226 |
| Noncurrent loans to loans | 0.8058% | 1,178 |
| Net loans and leases to total assets | 60.1180% | 2,049 |
| Net loans and leases to deposits | 67.1087% | 2,232 |
| Net loans and leases to core deposits | 70.4105% | 2,257 |
| Total domestic deposits to total assets | 89.5830% | 1,776 |
| Equity capital to assets | 9.7277% | 2,105 |
| Core capital (leverage) ratio | 9.9354% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4070% | 1,167 |
| Memoranda: | ||
| Average total assets | $426,715,000 | 1,957 |
| Average earning assets | $399,015,500 | 1,963 |
| Average equity | $41,745,500 | 1,982 |
| Average total loans | $254,028,000 | 1,917 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 3,386 |
| Cost of funding earning assets | 0.2562% | 2,856 |
| Net interest margin | 2.9796% | 3,252 |
| Noninterest income to average assets | 0.7231% | 1,683 |
| Noninterest expense to average assets | 2.6593% | 1,733 |
| Loan and lease loss provision to assets | 0.0319% | 2,409 |
| Net operating income to assets | 0.6510% | 3,743 |
| Return on assets (ROA) | 0.6510% | 3,802 |
| Pretax return on assets | 0.8074% | 3,711 |
| Return on Equity (ROE) | 6.2537% | 3,715 |
| Retained earnings to average equity (ytd only) | 0.8403% | 4,301 |
| Net charge-offs to loans | -0.0029% | 3,428 |
| Credit loss provision to net charge-offs | -1,857.1429% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0120% | 1,105 |
| Assets per employee ($millions) | 5.1858% | 3,564 |
| Cash dividends to net income (ytd only)* | 86.5638% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,506 |
| Loan loss allowance to noncurrent loans | 150.2126% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 1,200 |
| Noncurrent loans to loans | 0.8450% | 1,202 |
| Net loans and leases to total assets | 57.4699% | 2,432 |
| Net loans and leases to deposits | 64.2103% | 2,671 |
| Net loans and leases to core deposits | 67.5021% | 2,689 |
| Total domestic deposits to total assets | 89.5026% | 1,233 |
| Equity capital to assets | 9.8374% | 2,815 |
| Core capital (leverage) ratio | 9.8069% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8002% | 1,096 |
| Memoranda: | ||
| Average total assets | $408,111,000 | 1,961 |
| Average earning assets | $380,156,000 | 1,971 |
| Average equity | $42,486,800 | 1,995 |
| Average total loans | $243,712,800 | 1,970 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2589% | 3,488 |
| Cost of funding earning assets | 0.2801% | 2,798 |
| Net interest margin | 2.9788% | 3,359 |
| Noninterest income to average assets | 0.7658% | 1,634 |
| Noninterest expense to average assets | 2.6154% | 1,796 |
| Loan and lease loss provision to assets | 0.0231% | 2,530 |
| Net operating income to assets | 0.7347% | 3,688 |
| Return on assets (ROA) | 0.7347% | 3,750 |
| Pretax return on assets | 0.8999% | 3,694 |
| Return on Equity (ROE) | 6.9545% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.9545% | 2,437 |
| Net charge-offs to loans | -0.0017% | 3,185 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9118% | 1,222 |
| Assets per employee ($millions) | 4.6945% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,717 |
| Loan loss allowance to noncurrent loans | 149.9519% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 1,330 |
| Noncurrent loans to loans | 0.8354% | 1,370 |
| Net loans and leases to total assets | 58.7901% | 2,397 |
| Net loans and leases to deposits | 66.1618% | 2,615 |
| Net loans and leases to core deposits | 70.2034% | 2,578 |
| Total domestic deposits to total assets | 88.8581% | 1,365 |
| Equity capital to assets | 10.4253% | 2,513 |
| Core capital (leverage) ratio | 10.1670% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5334% | 1,042 |
| Memoranda: | ||
| Average total assets | $402,533,750 | 1,997 |
| Average earning assets | $374,680,250 | 2,009 |
| Average equity | $42,523,000 | 2,020 |
| Average total loans | $242,005,500 | 2,012 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2779% | 3,486 |
| Cost of funding earning assets | 0.3093% | 2,685 |
| Net interest margin | 2.9685% | 3,397 |
| Noninterest income to average assets | 0.6814% | 1,885 |
| Noninterest expense to average assets | 2.6505% | 1,723 |
| Loan and lease loss provision to assets | 0.0201% | 2,561 |
| Net operating income to assets | 0.6300% | 3,918 |
| Return on assets (ROA) | 0.6300% | 3,977 |
| Pretax return on assets | 0.7684% | 3,928 |
| Return on Equity (ROE) | 5.9367% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.9367% | 2,828 |
| Net charge-offs to loans | 0.0058% | 1,936 |
| Credit loss provision to net charge-offs | 571.4286% | 643 |
| Earnings coverage of net charge-offs (x) | 223.8571% | 466 |
| Efficiency ratio | 77.0705% | 988 |
| Assets per employee ($millions) | 4.5886% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,567 |
| Loan loss allowance to noncurrent loans | 155.3535% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 1,452 |
| Noncurrent loans to loans | 0.8196% | 1,502 |
| Net loans and leases to total assets | 57.7495% | 2,702 |
| Net loans and leases to deposits | 64.9915% | 2,899 |
| Net loans and leases to core deposits | 69.1567% | 2,852 |
| Total domestic deposits to total assets | 88.8570% | 1,355 |
| Equity capital to assets | 10.3544% | 2,532 |
| Core capital (leverage) ratio | 10.3094% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9005% | 975 |
| Memoranda: | ||
| Average total assets | $397,441,667 | 2,013 |
| Average earning assets | $369,205,333 | 2,023 |
| Average equity | $42,178,000 | 2,025 |
| Average total loans | $239,758,333 | 2,034 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 3,438 |
| Cost of funding earning assets | 0.3457% | 2,563 |
| Net interest margin | 2.9586% | 3,357 |
| Noninterest income to average assets | 0.6200% | 2,128 |
| Noninterest expense to average assets | 2.4851% | 2,215 |
| Loan and lease loss provision to assets | 0.0205% | 2,516 |
| Net operating income to assets | 0.6960% | 3,716 |
| Return on assets (ROA) | 0.6960% | 3,780 |
| Pretax return on assets | 0.8551% | 3,708 |
| Return on Equity (ROE) | 6.4746% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.4746% | 2,742 |
| Net charge-offs to loans | 0.0050% | 1,730 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 284.3333% | 312 |
| Efficiency ratio | 73.9462% | 1,317 |
| Assets per employee ($millions) | 4.3450% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,681 |
| Loan loss allowance to noncurrent loans | 126.9183% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 1,253 |
| Noncurrent loans to loans | 0.9824% | 1,374 |
| Net loans and leases to total assets | 61.2973% | 2,363 |
| Net loans and leases to deposits | 69.2920% | 2,571 |
| Net loans and leases to core deposits | 72.2877% | 2,679 |
| Total domestic deposits to total assets | 88.4623% | 1,624 |
| Equity capital to assets | 10.6355% | 2,139 |
| Core capital (leverage) ratio | 10.5868% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1153% | 911 |
| Memoranda: | ||
| Average total assets | $389,675,000 | 2,030 |
| Average earning assets | $360,978,500 | 2,042 |
| Average equity | $41,886,500 | 2,023 |
| Average total loans | $238,854,000 | 2,039 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 2,890 |
| Cost of funding earning assets | 0.5347% | 2,717 |
| Net interest margin | 3.4101% | 2,746 |
| Noninterest income to average assets | 0.5682% | 2,342 |
| Noninterest expense to average assets | 2.8805% | 1,737 |
| Loan and lease loss provision to assets | 0.0496% | 3,769 |
| Net operating income to assets | 0.6535% | 3,580 |
| Return on assets (ROA) | 0.6551% | 3,705 |
| Pretax return on assets | 0.7758% | 3,691 |
| Return on Equity (ROE) | 5.5083% | 3,739 |
| Retained earnings to average equity (ytd only) | 0.2620% | 4,439 |
| Net charge-offs to loans | 0.0133% | 2,864 |
| Credit loss provision to net charge-offs | 564.5161% | 1,155 |
| Earnings coverage of net charge-offs (x) | 93.7742% | 821 |
| Efficiency ratio | 77.7701% | 1,050 |
| Assets per employee ($millions) | 4.2662% | 4,158 |
| Cash dividends to net income (ytd only)* | 95.2443% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,363 |
| Loan loss allowance to noncurrent loans | 162.0341% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 1,697 |
| Noncurrent loans to loans | 0.8085% | 1,732 |
| Net loans and leases to total assets | 59.7046% | 2,901 |
| Net loans and leases to deposits | 67.5699% | 3,125 |
| Net loans and leases to core deposits | 69.9136% | 3,259 |
| Total domestic deposits to total assets | 88.3597% | 1,298 |
| Equity capital to assets | 10.8660% | 2,374 |
| Core capital (leverage) ratio | 10.6926% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3095% | 999 |
| Memoranda: | ||
| Average total assets | $353,061,200 | 2,033 |
| Average earning assets | $324,650,600 | 2,058 |
| Average equity | $41,990,800 | 1,947 |
| Average total loans | $233,441,200 | 2,012 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 2,828 |
| Cost of funding earning assets | 0.5708% | 2,798 |
| Net interest margin | 3.4773% | 2,669 |
| Noninterest income to average assets | 0.4957% | 2,630 |
| Noninterest expense to average assets | 2.9096% | 1,677 |
| Loan and lease loss provision to assets | 0.0484% | 3,754 |
| Net operating income to assets | 0.6097% | 3,729 |
| Return on assets (ROA) | 0.6119% | 3,826 |
| Pretax return on assets | 0.7324% | 3,819 |
| Return on Equity (ROE) | 5.0247% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.0338% | 3,508 |
| Net charge-offs to loans | 0.0308% | 2,216 |
| Credit loss provision to net charge-offs | 231.4815% | 1,993 |
| Earnings coverage of net charge-offs (x) | 37.3148% | 1,415 |
| Efficiency ratio | 78.9027% | 952 |
| Assets per employee ($millions) | 4.3866% | 3,963 |
| Cash dividends to net income (ytd only)* | 39.6215% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,590 |
| Loan loss allowance to noncurrent loans | 162.9183% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 1,897 |
| Noncurrent loans to loans | 0.7449% | 1,943 |
| Net loans and leases to total assets | 62.6258% | 2,927 |
| Net loans and leases to deposits | 74.3732% | 2,921 |
| Net loans and leases to core deposits | 79.2159% | 2,908 |
| Total domestic deposits to total assets | 84.2047% | 2,753 |
| Equity capital to assets | 11.0308% | 2,373 |
| Core capital (leverage) ratio | 11.0177% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8937% | 1,071 |
| Memoranda: | ||
| Average total assets | $345,336,750 | 2,052 |
| Average earning assets | $316,977,250 | 2,068 |
| Average equity | $42,058,250 | 1,929 |
| Average total loans | $233,730,500 | 2,008 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,668 |
| Cost of funding earning assets | 0.6020% | 2,954 |
| Net interest margin | 3.6270% | 2,393 |
| Noninterest income to average assets | 0.4720% | 2,700 |
| Noninterest expense to average assets | 2.9671% | 1,664 |
| Loan and lease loss provision to assets | 0.0452% | 3,728 |
| Net operating income to assets | 0.6486% | 3,586 |
| Return on assets (ROA) | 0.6486% | 3,675 |
| Pretax return on assets | 0.7794% | 3,651 |
| Return on Equity (ROE) | 5.1380% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.6386% | 3,102 |
| Net charge-offs to loans | 0.0504% | 1,763 |
| Credit loss provision to net charge-offs | 129.3103% | 2,236 |
| Earnings coverage of net charge-offs (x) | 23.5862% | 1,596 |
| Efficiency ratio | 78.2512% | 1,030 |
| Assets per employee ($millions) | 4.1804% | 4,122 |
| Cash dividends to net income (ytd only)* | 29.1822% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,621 |
| Loan loss allowance to noncurrent loans | 171.6304% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,877 |
| Noncurrent loans to loans | 0.6864% | 2,155 |
| Net loans and leases to total assets | 66.4939% | 2,559 |
| Net loans and leases to deposits | 79.6567% | 2,470 |
| Net loans and leases to core deposits | 84.2088% | 2,592 |
| Total domestic deposits to total assets | 83.4755% | 2,934 |
| Equity capital to assets | 11.5265% | 1,953 |
| Core capital (leverage) ratio | 11.6851% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4544% | 1,145 |
| Memoranda: | ||
| Average total assets | $331,775,667 | 2,086 |
| Average earning assets | $303,665,667 | 2,111 |
| Average equity | $41,884,000 | 1,923 |
| Average total loans | $230,068,000 | 2,015 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 2,264 |
| Cost of funding earning assets | 0.6158% | 3,357 |
| Net interest margin | 3.9017% | 1,670 |
| Noninterest income to average assets | 0.4042% | 3,065 |
| Noninterest expense to average assets | 3.1225% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6949% | 3,292 |
| Return on assets (ROA) | 0.6949% | 3,359 |
| Pretax return on assets | 0.8364% | 3,318 |
| Return on Equity (ROE) | 5.2373% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.2373% | 2,180 |
| Net charge-offs to loans | -0.1247% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8728% | 1,250 |
| Assets per employee ($millions) | 3.6423% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,065 |
| Loan loss allowance to noncurrent loans | 132.7964% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 1,382 |
| Noncurrent loans to loans | 0.9924% | 1,666 |
| Net loans and leases to total assets | 68.5570% | 2,459 |
| Net loans and leases to deposits | 84.0227% | 2,223 |
| Net loans and leases to core deposits | 93.4339% | 2,020 |
| Total domestic deposits to total assets | 81.5935% | 3,525 |
| Equity capital to assets | 12.9532% | 1,449 |
| Core capital (leverage) ratio | 13.5012% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9859% | 988 |
| Memoranda: | ||
| Average total assets | $313,727,000 | 2,138 |
| Average earning assets | $285,821,000 | 2,157 |
| Average equity | $41,624,500 | 1,924 |
| Average total loans | $221,337,500 | 2,043 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 2,397 |
| Cost of funding earning assets | 0.7878% | 2,737 |
| Net interest margin | 3.8896% | 2,218 |
| Noninterest income to average assets | 0.4317% | 3,098 |
| Noninterest expense to average assets | 3.1879% | 1,552 |
| Loan and lease loss provision to assets | 0.0167% | 3,685 |
| Net operating income to assets | 0.7388% | 3,737 |
| Return on assets (ROA) | 0.8121% | 3,613 |
| Pretax return on assets | 0.8636% | 3,841 |
| Return on Equity (ROE) | 6.0222% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.0222% | 1,853 |
| Net charge-offs to loans | 0.0852% | 1,899 |
| Credit loss provision to net charge-offs | 28.7356% | 3,278 |
| Earnings coverage of net charge-offs (x) | 13.7816% | 2,327 |
| Efficiency ratio | 79.8910% | 955 |
| Assets per employee ($millions) | 3.4077% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 1,782 |
| Loan loss allowance to noncurrent loans | 137.6543% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 1,340 |
| Noncurrent loans to loans | 0.9684% | 1,580 |
| Net loans and leases to total assets | 70.7477% | 2,284 |
| Net loans and leases to deposits | 82.6654% | 2,481 |
| Net loans and leases to core deposits | 90.3688% | 2,389 |
| Total domestic deposits to total assets | 85.5832% | 2,245 |
| Equity capital to assets | 13.6040% | 1,243 |
| Core capital (leverage) ratio | 13.0849% | 1,202 |
| Tier 1 risk-based capital ratio | 18.1441% | 1,730 |
| Total risk-based capital ratio | 19.3948% | 1,681 |
| Memoranda: | ||
| Average total assets | $298,849,800 | 2,166 |
| Average earning assets | $273,423,600 | 2,185 |
| Average equity | $40,301,200 | 1,918 |
| Average total loans | $204,127,000 | 2,140 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 2,535 |
| Cost of funding earning assets | 0.7940% | 2,749 |
| Net interest margin | 3.8633% | 2,391 |
| Noninterest income to average assets | 0.4254% | 3,174 |
| Noninterest expense to average assets | 3.2730% | 1,325 |
| Loan and lease loss provision to assets | 0.0224% | 3,465 |
| Net operating income to assets | 0.5259% | 4,457 |
| Return on assets (ROA) | 0.5351% | 4,494 |
| Pretax return on assets | 0.6780% | 4,392 |
| Return on Equity (ROE) | 3.9771% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.9771% | 3,407 |
| Net charge-offs to loans | 0.1441% | 1,125 |
| Credit loss provision to net charge-offs | 23.0415% | 2,950 |
| Earnings coverage of net charge-offs (x) | 7.0875% | 2,776 |
| Efficiency ratio | 82.6156% | 711 |
| Assets per employee ($millions) | 3.2772% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,706 |
| Loan loss allowance to noncurrent loans | 150.8716% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 1,441 |
| Noncurrent loans to loans | 0.9043% | 1,769 |
| Net loans and leases to total assets | 70.0025% | 2,475 |
| Net loans and leases to deposits | 84.6798% | 2,357 |
| Net loans and leases to core deposits | 94.2571% | 2,157 |
| Total domestic deposits to total assets | 82.6673% | 3,260 |
| Equity capital to assets | 13.9955% | 1,155 |
| Core capital (leverage) ratio | 13.3829% | 1,177 |
| Tier 1 risk-based capital ratio | 18.5806% | 1,667 |
| Total risk-based capital ratio | 19.8315% | 1,636 |
| Memoranda: | ||
| Average total assets | $297,740,750 | 2,190 |
| Average earning assets | $272,541,750 | 2,209 |
| Average equity | $40,061,750 | 1,935 |
| Average total loans | $200,792,000 | 2,176 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,859 |
| Cost of funding earning assets | 0.7800% | 2,748 |
| Net interest margin | 3.7671% | 2,704 |
| Noninterest income to average assets | 0.3951% | 3,298 |
| Noninterest expense to average assets | 3.2122% | 1,485 |
| Loan and lease loss provision to assets | 0.0335% | 3,156 |
| Net operating income to assets | 0.4767% | 4,578 |
| Return on assets (ROA) | 0.4714% | 4,623 |
| Pretax return on assets | 0.5966% | 4,547 |
| Return on Equity (ROE) | 3.5506% | 4,678 |
| Retained earnings to average equity (ytd only) | 3.5506% | 3,469 |
| Net charge-offs to loans | 0.2344% | 720 |
| Credit loss provision to net charge-offs | 21.5517% | 2,642 |
| Earnings coverage of net charge-offs (x) | 4.0991% | 2,767 |
| Efficiency ratio | 83.4551% | 698 |
| Assets per employee ($millions) | 3.3508% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,595 |
| Loan loss allowance to noncurrent loans | 153.3189% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 1,459 |
| Noncurrent loans to loans | 0.9160% | 1,793 |
| Net loans and leases to total assets | 66.1358% | 3,083 |
| Net loans and leases to deposits | 80.2644% | 2,921 |
| Net loans and leases to core deposits | 89.9347% | 2,609 |
| Total domestic deposits to total assets | 82.3974% | 3,404 |
| Equity capital to assets | 13.4564% | 1,344 |
| Core capital (leverage) ratio | 13.2709% | 1,194 |
| Tier 1 risk-based capital ratio | 18.7765% | 1,606 |
| Total risk-based capital ratio | 20.0277% | 1,572 |
| Memoranda: | ||
| Average total assets | $298,670,670 | 2,193 |
| Average earning assets | $273,844,000 | 2,204 |
| Average equity | $39,655,670 | 1,951 |
| Average total loans | $197,946,330 | 2,204 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 2,814 |
| Cost of funding earning assets | 0.7766% | 2,653 |
| Net interest margin | 3.7379% | 2,753 |
| Noninterest income to average assets | 0.3997% | 3,185 |
| Noninterest expense to average assets | 3.1976% | 1,493 |
| Loan and lease loss provision to assets | 0.0336% | 2,959 |
| Net operating income to assets | 0.4751% | 4,586 |
| Return on assets (ROA) | 0.4751% | 4,609 |
| Pretax return on assets | 0.6016% | 4,511 |
| Return on Equity (ROE) | 3.6027% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.6027% | 3,478 |
| Net charge-offs to loans | 0.0633% | 1,408 |
| Credit loss provision to net charge-offs | 80.6452% | 1,779 |
| Earnings coverage of net charge-offs (x) | 15.2258% | 1,752 |
| Efficiency ratio | 83.4270% | 754 |
| Assets per employee ($millions) | 3.3765% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,242 |
| Loan loss allowance to noncurrent loans | 118.2210% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 1,321 |
| Noncurrent loans to loans | 1.2942% | 1,269 |
| Net loans and leases to total assets | 65.3494% | 3,129 |
| Net loans and leases to deposits | 79.3256% | 2,914 |
| Net loans and leases to core deposits | 88.9299% | 2,602 |
| Total domestic deposits to total assets | 82.3812% | 3,621 |
| Equity capital to assets | 13.3668% | 1,262 |
| Core capital (leverage) ratio | 13.1344% | 1,209 |
| Tier 1 risk-based capital ratio | 19.1290% | 1,522 |
| Total risk-based capital ratio | 20.3818% | 1,492 |
| Memoranda: | ||
| Average total assets | $297,218,500 | 2,212 |
| Average earning assets | $272,991,000 | 2,218 |
| Average equity | $39,193,000 | 1,959 |
| Average total loans | $195,774,500 | 2,237 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,260 |
| Cost of funding earning assets | 0.5047% | 3,317 |
| Net interest margin | 4.0539% | 1,809 |
| Noninterest income to average assets | 0.3859% | 3,523 |
| Noninterest expense to average assets | 3.1968% | 1,559 |
| Loan and lease loss provision to assets | 0.0178% | 3,801 |
| Net operating income to assets | 0.7847% | 3,857 |
| Return on assets (ROA) | 0.8379% | 3,655 |
| Pretax return on assets | 0.9605% | 3,727 |
| Return on Equity (ROE) | 5.8434% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.9960% | 3,903 |
| Net charge-offs to loans | 0.1061% | 1,692 |
| Credit loss provision to net charge-offs | 24.8756% | 3,380 |
| Earnings coverage of net charge-offs (x) | 12.8408% | 2,498 |
| Efficiency ratio | 77.7058% | 1,160 |
| Assets per employee ($millions) | 3.6257% | 4,421 |
| Cash dividends to net income (ytd only)* | 48.7277% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,129 |
| Loan loss allowance to noncurrent loans | 138.7334% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 1,481 |
| Noncurrent loans to loans | 1.1211% | 1,441 |
| Net loans and leases to total assets | 64.3565% | 3,317 |
| Net loans and leases to deposits | 77.7206% | 3,199 |
| Net loans and leases to core deposits | 86.4771% | 2,877 |
| Total domestic deposits to total assets | 82.8049% | 3,392 |
| Equity capital to assets | 13.0065% | 1,343 |
| Core capital (leverage) ratio | 13.3612% | 1,124 |
| Tier 1 risk-based capital ratio | 19.3089% | 1,447 |
| Total risk-based capital ratio | 20.5621% | 1,412 |
| Memoranda: | ||
| Average total assets | $281,410,800 | 2,261 |
| Average earning assets | $258,789,000 | 2,273 |
| Average equity | $40,353,400 | 1,847 |
| Average total loans | $189,386,200 | 2,255 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 2,073 |
| Cost of funding earning assets | 0.4551% | 3,492 |
| Net interest margin | 4.1157% | 1,583 |
| Noninterest income to average assets | 0.3604% | 3,725 |
| Noninterest expense to average assets | 3.2689% | 1,370 |
| Loan and lease loss provision to assets | 0.0240% | 3,537 |
| Net operating income to assets | 0.6738% | 4,306 |
| Return on assets (ROA) | 0.7391% | 4,119 |
| Pretax return on assets | 0.9352% | 3,911 |
| Return on Equity (ROE) | 5.0292% | 4,550 |
| Retained earnings to average equity (ytd only) | 2.2137% | 4,501 |
| Net charge-offs to loans | 0.0574% | 1,996 |
| Credit loss provision to net charge-offs | 61.7284% | 2,726 |
| Earnings coverage of net charge-offs (x) | 22.5180% | 1,873 |
| Efficiency ratio | 78.8546% | 1,038 |
| Assets per employee ($millions) | 3.5671% | 4,469 |
| Cash dividends to net income (ytd only)* | 55.9816% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 1,010 |
| Loan loss allowance to noncurrent loans | 143.9762% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 1,540 |
| Noncurrent loans to loans | 1.1321% | 1,499 |
| Net loans and leases to total assets | 68.1778% | 2,904 |
| Net loans and leases to deposits | 84.3838% | 2,552 |
| Net loans and leases to core deposits | 93.8150% | 2,306 |
| Total domestic deposits to total assets | 80.7949% | 3,919 |
| Equity capital to assets | 14.6093% | 800 |
| Core capital (leverage) ratio | 14.9475% | 716 |
| Tier 1 risk-based capital ratio | 20.7150% | 1,224 |
| Total risk-based capital ratio | 21.9691% | 1,200 |
| Memoranda: | ||
| Average total assets | $277,437,250 | 2,296 |
| Average earning assets | $255,149,250 | 2,311 |
| Average equity | $40,774,500 | 1,832 |
| Average total loans | $188,143,250 | 2,270 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,981 |
| Cost of funding earning assets | 0.4208% | 3,567 |
| Net interest margin | 4.1146% | 1,511 |
| Noninterest income to average assets | 0.3767% | 3,637 |
| Noninterest expense to average assets | 3.2139% | 1,507 |
| Loan and lease loss provision to assets | 0.0361% | 3,192 |
| Net operating income to assets | 0.7246% | 4,121 |
| Return on assets (ROA) | 0.8118% | 3,821 |
| Pretax return on assets | 1.0261% | 3,581 |
| Return on Equity (ROE) | 5.5125% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.6999% | 4,169 |
| Net charge-offs to loans | 0.0193% | 2,503 |
| Credit loss provision to net charge-offs | 277.7778% | 1,070 |
| Earnings coverage of net charge-offs (x) | 73.2778% | 878 |
| Efficiency ratio | 77.1523% | 1,291 |
| Assets per employee ($millions) | 3.6033% | 4,465 |
| Cash dividends to net income (ytd only)* | 51.0222% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 910 |
| Loan loss allowance to noncurrent loans | 126.9703% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 1,364 |
| Noncurrent loans to loans | 1.3359% | 1,271 |
| Net loans and leases to total assets | 66.9669% | 3,015 |
| Net loans and leases to deposits | 82.8906% | 2,672 |
| Net loans and leases to core deposits | 89.7815% | 2,591 |
| Total domestic deposits to total assets | 80.7895% | 4,060 |
| Equity capital to assets | 14.7042% | 759 |
| Core capital (leverage) ratio | 14.8782% | 698 |
| Tier 1 risk-based capital ratio | 20.9454% | 1,185 |
| Total risk-based capital ratio | 22.1999% | 1,157 |
| Memoranda: | ||
| Average total assets | $277,172,000 | 2,303 |
| Average earning assets | $255,238,670 | 2,317 |
| Average equity | $40,816,670 | 1,830 |
| Average total loans | $186,579,000 | 2,295 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 1,928 |
| Cost of funding earning assets | 0.3571% | 3,931 |
| Net interest margin | 4.1225% | 1,381 |
| Noninterest income to average assets | 0.3812% | 3,586 |
| Noninterest expense to average assets | 3.4090% | 1,151 |
| Loan and lease loss provision to assets | 0.0361% | 3,023 |
| Net operating income to assets | 0.5798% | 4,483 |
| Return on assets (ROA) | 0.5776% | 4,496 |
| Pretax return on assets | 0.7335% | 4,340 |
| Return on Equity (ROE) | 3.9190% | 4,781 |
| Retained earnings to average equity (ytd only) | 1.1071% | 4,601 |
| Net charge-offs to loans | -0.0086% | 4,192 |
| Credit loss provision to net charge-offs | -625.0000% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5262% | 998 |
| Assets per employee ($millions) | 3.6684% | 4,452 |
| Cash dividends to net income (ytd only)* | 71.7500% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 931 |
| Loan loss allowance to noncurrent loans | 126.8515% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 1,511 |
| Noncurrent loans to loans | 1.3459% | 1,326 |
| Net loans and leases to total assets | 66.1441% | 3,013 |
| Net loans and leases to deposits | 81.8623% | 2,610 |
| Net loans and leases to core deposits | 89.8398% | 2,466 |
| Total domestic deposits to total assets | 80.7992% | 4,247 |
| Equity capital to assets | 14.5382% | 767 |
| Core capital (leverage) ratio | 14.7593% | 696 |
| Tier 1 risk-based capital ratio | 20.8644% | 1,220 |
| Total risk-based capital ratio | 22.1193% | 1,197 |
| Memoranda: | ||
| Average total assets | $277,032,000 | 2,324 |
| Average earning assets | $255,382,000 | 2,326 |
| Average equity | $40,826,500 | 1,835 |
| Average total loans | $185,365,000 | 2,319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,207 |
| Cost of funding earning assets | 0.2502% | 4,561 |
| Net interest margin | 4.0908% | 1,476 |
| Noninterest income to average assets | 0.4352% | 3,404 |
| Noninterest expense to average assets | 3.0283% | 2,075 |
| Loan and lease loss provision to assets | 0.0183% | 3,930 |
| Net operating income to assets | 0.8089% | 3,120 |
| Return on assets (ROA) | 0.8488% | 2,983 |
| Pretax return on assets | 1.2324% | 2,625 |
| Return on Equity (ROE) | 5.1461% | 4,105 |
| Retained earnings to average equity (ytd only) | 1.7124% | 4,281 |
| Net charge-offs to loans | -0.0930% | 5,350 |
| Credit loss provision to net charge-offs | -31.2500% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7410% | 2,265 |
| Assets per employee ($millions) | 3.4889% | 4,712 |
| Cash dividends to net income (ytd only)* | 66.7242% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 884 |
| Loan loss allowance to noncurrent loans | 92.1603% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3863% | 1,021 |
| Noncurrent loans to loans | 1.8807% | 834 |
| Net loans and leases to total assets | 65.2872% | 3,185 |
| Net loans and leases to deposits | 77.7311% | 3,147 |
| Net loans and leases to core deposits | 87.9248% | 2,731 |
| Total domestic deposits to total assets | 83.9911% | 3,212 |
| Equity capital to assets | 14.9767% | 682 |
| Core capital (leverage) ratio | 14.7950% | 662 |
| Tier 1 risk-based capital ratio | 21.1421% | 1,128 |
| Total risk-based capital ratio | 22.4407% | 1,091 |
| Memoranda: | ||
| Average total assets | $272,962,200 | 2,329 |
| Average earning assets | $252,618,400 | 2,332 |
| Average equity | $45,024,200 | 1,660 |
| Average total loans | $172,124,400 | 2,400 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,224 |
| Cost of funding earning assets | 0.2354% | 4,698 |
| Net interest margin | 4.0794% | 1,447 |
| Noninterest income to average assets | 0.4500% | 3,333 |
| Noninterest expense to average assets | 3.0236% | 2,047 |
| Loan and lease loss provision to assets | 0.0245% | 3,657 |
| Net operating income to assets | 0.8143% | 3,466 |
| Return on assets (ROA) | 0.8755% | 3,191 |
| Pretax return on assets | 1.2662% | 2,640 |
| Return on Equity (ROE) | 5.1869% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.4969% | 4,819 |
| Net charge-offs to loans | -0.1724% | 5,499 |
| Credit loss provision to net charge-offs | -22.8311% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5527% | 2,270 |
| Assets per employee ($millions) | 3.4032% | 4,857 |
| Cash dividends to net income (ytd only)* | 71.1411% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 795 |
| Loan loss allowance to noncurrent loans | 178.1818% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 2,152 |
| Noncurrent loans to loans | 1.0303% | 1,881 |
| Net loans and leases to total assets | 64.3236% | 3,346 |
| Net loans and leases to deposits | 78.7863% | 3,089 |
| Net loans and leases to core deposits | 88.7867% | 2,705 |
| Total domestic deposits to total assets | 81.6431% | 3,885 |
| Equity capital to assets | 17.2857% | 401 |
| Core capital (leverage) ratio | 17.0222% | 384 |
| Tier 1 risk-based capital ratio | 24.5554% | 801 |
| Total risk-based capital ratio | 25.8502% | 777 |
| Memoranda: | ||
| Average total assets | $272,297,250 | 2,348 |
| Average earning assets | $252,022,000 | 2,355 |
| Average equity | $45,960,500 | 1,652 |
| Average total loans | $169,375,500 | 2,444 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,190 |
| Cost of funding earning assets | 0.2280% | 4,734 |
| Net interest margin | 4.0546% | 1,450 |
| Noninterest income to average assets | 0.4484% | 3,364 |
| Noninterest expense to average assets | 2.9454% | 2,278 |
| Loan and lease loss provision to assets | 0.0366% | 3,274 |
| Net operating income to assets | 0.8472% | 3,168 |
| Return on assets (ROA) | 0.9208% | 2,860 |
| Pretax return on assets | 1.3319% | 2,263 |
| Return on Equity (ROE) | 5.4991% | 4,269 |
| Retained earnings to average equity (ytd only) | 1.7952% | 4,533 |
| Net charge-offs to loans | -0.2765% | 5,630 |
| Credit loss provision to net charge-offs | -21.6450% | 4,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0104% | 2,672 |
| Assets per employee ($millions) | 3.5991% | 4,579 |
| Cash dividends to net income (ytd only)* | 67.3550% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 691 |
| Loan loss allowance to noncurrent loans | 236.1718% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 2,668 |
| Noncurrent loans to loans | 0.8144% | 2,372 |
| Net loans and leases to total assets | 60.4906% | 3,794 |
| Net loans and leases to deposits | 73.6993% | 3,577 |
| Net loans and leases to core deposits | 82.6758% | 3,198 |
| Total domestic deposits to total assets | 82.0777% | 3,864 |
| Equity capital to assets | 16.9835% | 407 |
| Core capital (leverage) ratio | 16.7409% | 390 |
| Tier 1 risk-based capital ratio | 25.9483% | 676 |
| Total risk-based capital ratio | 27.2389% | 659 |
| Memoranda: | ||
| Average total assets | $273,445,330 | 2,350 |
| Average earning assets | $253,490,330 | 2,354 |
| Average equity | $45,789,670 | 1,655 |
| Average total loans | $167,110,670 | 2,474 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,053 |
| Cost of funding earning assets | 0.2210% | 4,795 |
| Net interest margin | 4.0456% | 1,357 |
| Noninterest income to average assets | 0.4506% | 3,311 |
| Noninterest expense to average assets | 2.9919% | 2,181 |
| Loan and lease loss provision to assets | 0.0732% | 2,340 |
| Net operating income to assets | 0.7953% | 3,242 |
| Return on assets (ROA) | 0.9305% | 2,667 |
| Pretax return on assets | 1.3284% | 2,144 |
| Return on Equity (ROE) | 5.5965% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.8655% | 4,378 |
| Net charge-offs to loans | -0.5508% | 5,749 |
| Credit loss provision to net charge-offs | -21.8341% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2295% | 2,697 |
| Assets per employee ($millions) | 3.5909% | 4,665 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 713 |
| Loan loss allowance to noncurrent loans | 240.5786% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 2,809 |
| Noncurrent loans to loans | 0.8171% | 2,408 |
| Net loans and leases to total assets | 59.2625% | 3,862 |
| Net loans and leases to deposits | 72.1541% | 3,597 |
| Net loans and leases to core deposits | 81.0992% | 3,187 |
| Total domestic deposits to total assets | 82.1332% | 4,136 |
| Equity capital to assets | 16.7591% | 403 |
| Core capital (leverage) ratio | 16.7543% | 384 |
| Tier 1 risk-based capital ratio | 26.1555% | 678 |
| Total risk-based capital ratio | 27.4552% | 661 |
| Memoranda: | ||
| Average total assets | $273,403,000 | 2,372 |
| Average earning assets | $253,414,000 | 2,372 |
| Average equity | $45,457,000 | 1,668 |
| Average total loans | $166,313,500 | 2,502 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 2,237 |
| Cost of funding earning assets | 0.2288% | 4,751 |
| Net interest margin | 4.0455% | 1,509 |
| Noninterest income to average assets | 0.4278% | 3,693 |
| Noninterest expense to average assets | 2.7581% | 3,164 |
| Loan and lease loss provision to assets | 0.0837% | 2,685 |
| Net operating income to assets | 0.9730% | 2,476 |
| Return on assets (ROA) | 1.0865% | 2,056 |
| Pretax return on assets | 1.4975% | 1,591 |
| Return on Equity (ROE) | 6.4158% | 3,784 |
| Retained earnings to average equity (ytd only) | 3.4989% | 3,440 |
| Net charge-offs to loans | 0.1251% | 1,995 |
| Credit loss provision to net charge-offs | 109.7561% | 2,390 |
| Earnings coverage of net charge-offs (x) | 18.6976% | 1,953 |
| Efficiency ratio | 65.9228% | 3,600 |
| Assets per employee ($millions) | 3.7013% | 4,474 |
| Cash dividends to net income (ytd only)* | 45.4639% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 1,005 |
| Loan loss allowance to noncurrent loans | 136.9686% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 1,980 |
| Noncurrent loans to loans | 1.2908% | 1,582 |
| Net loans and leases to total assets | 60.1275% | 3,834 |
| Net loans and leases to deposits | 72.8302% | 3,632 |
| Net loans and leases to core deposits | 78.6727% | 3,512 |
| Total domestic deposits to total assets | 82.5585% | 3,915 |
| Equity capital to assets | 16.4941% | 436 |
| Core capital (leverage) ratio | 16.7569% | 376 |
| Tier 1 risk-based capital ratio | 25.5586% | 720 |
| Total risk-based capital ratio | 26.8619% | 708 |
| Memoranda: | ||
| Average total assets | $268,845,600 | 2,372 |
| Average earning assets | $249,613,200 | 2,358 |
| Average equity | $45,528,400 | 1,652 |
| Average total loans | $163,932,800 | 2,477 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,265 |
| Cost of funding earning assets | 0.2345% | 4,757 |
| Net interest margin | 4.0332% | 1,571 |
| Noninterest income to average assets | 0.4200% | 3,773 |
| Noninterest expense to average assets | 2.7908% | 3,041 |
| Loan and lease loss provision to assets | 0.0747% | 2,725 |
| Net operating income to assets | 0.9042% | 2,884 |
| Return on assets (ROA) | 0.9711% | 2,700 |
| Pretax return on assets | 1.3947% | 2,051 |
| Return on Equity (ROE) | 5.6967% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.0164% | 4,104 |
| Net charge-offs to loans | 0.1570% | 1,437 |
| Credit loss provision to net charge-offs | 78.1250% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.3596% | 2,245 |
| Efficiency ratio | 67.0136% | 3,418 |
| Assets per employee ($millions) | 3.6847% | 4,504 |
| Cash dividends to net income (ytd only)* | 47.0499% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 1,170 |
| Loan loss allowance to noncurrent loans | 132.7539% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,550 |
| Noncurrent loans to loans | 1.2955% | 1,720 |
| Net loans and leases to total assets | 62.5071% | 3,586 |
| Net loans and leases to deposits | 76.6014% | 3,341 |
| Net loans and leases to core deposits | 81.0859% | 3,348 |
| Total domestic deposits to total assets | 81.6005% | 4,077 |
| Equity capital to assets | 17.4164% | 398 |
| Core capital (leverage) ratio | 16.7808% | 382 |
| Tier 1 risk-based capital ratio | 25.0682% | 811 |
| Total risk-based capital ratio | 26.3361% | 790 |
| Memoranda: | ||
| Average total assets | $267,582,500 | 2,392 |
| Average earning assets | $248,431,250 | 2,386 |
| Average equity | $45,616,250 | 1,660 |
| Average total loans | $163,003,000 | 2,491 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 2,320 |
| Cost of funding earning assets | 0.2417% | 4,739 |
| Net interest margin | 4.0117% | 1,607 |
| Noninterest income to average assets | 0.4040% | 3,850 |
| Noninterest expense to average assets | 2.7703% | 3,135 |
| Loan and lease loss provision to assets | 0.0559% | 3,028 |
| Net operating income to assets | 0.9094% | 2,817 |
| Return on assets (ROA) | 0.9950% | 2,554 |
| Pretax return on assets | 1.4236% | 1,935 |
| Return on Equity (ROE) | 5.8785% | 4,105 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,568 |
| Net charge-offs to loans | 0.1415% | 1,476 |
| Credit loss provision to net charge-offs | 65.7895% | 2,516 |
| Earnings coverage of net charge-offs (x) | 15.9737% | 1,957 |
| Efficiency ratio | 67.1181% | 3,515 |
| Assets per employee ($millions) | 3.7601% | 4,344 |
| Cash dividends to net income (ytd only)* | 37.9026% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 1,143 |
| Loan loss allowance to noncurrent loans | 140.8826% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 1,699 |
| Noncurrent loans to loans | 1.2538% | 1,828 |
| Net loans and leases to total assets | 60.5141% | 3,815 |
| Net loans and leases to deposits | 73.9273% | 3,603 |
| Net loans and leases to core deposits | 78.0782% | 3,635 |
| Total domestic deposits to total assets | 81.8563% | 4,036 |
| Equity capital to assets | 17.2578% | 400 |
| Core capital (leverage) ratio | 16.5889% | 394 |
| Tier 1 risk-based capital ratio | 25.2329% | 793 |
| Total risk-based capital ratio | 26.5128% | 775 |
| Memoranda: | ||
| Average total assets | $268,343,000 | 2,400 |
| Average earning assets | $249,069,000 | 2,388 |
| Average equity | $45,419,670 | 1,666 |
| Average total loans | $161,092,670 | 2,519 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,272 |
| Cost of funding earning assets | 0.2467% | 4,738 |
| Net interest margin | 4.0132% | 1,572 |
| Noninterest income to average assets | 0.3613% | 4,145 |
| Noninterest expense to average assets | 2.9127% | 2,664 |
| Loan and lease loss provision to assets | 0.0550% | 2,844 |
| Net operating income to assets | 0.7849% | 3,320 |
| Return on assets (ROA) | 0.8921% | 2,924 |
| Pretax return on assets | 1.2712% | 2,415 |
| Return on Equity (ROE) | 5.3223% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.1490% | 3,944 |
| Net charge-offs to loans | 0.2509% | 824 |
| Credit loss provision to net charge-offs | 37.0000% | 2,167 |
| Earnings coverage of net charge-offs (x) | 7.8900% | 2,106 |
| Efficiency ratio | 71.2882% | 2,905 |
| Assets per employee ($millions) | 3.7768% | 4,349 |
| Cash dividends to net income (ytd only)* | 40.8333% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 1,129 |
| Loan loss allowance to noncurrent loans | 115.6564% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 1,522 |
| Noncurrent loans to loans | 1.5668% | 1,484 |
| Net loans and leases to total assets | 58.2153% | 4,019 |
| Net loans and leases to deposits | 70.9537% | 3,759 |
| Net loans and leases to core deposits | 75.5274% | 3,726 |
| Total domestic deposits to total assets | 82.0468% | 4,208 |
| Equity capital to assets | 16.9165% | 427 |
| Core capital (leverage) ratio | 16.5294% | 415 |
| Tier 1 risk-based capital ratio | 23.5717% | 957 |
| Total risk-based capital ratio | 24.8371% | 949 |
| Memoranda: | ||
| Average total assets | $269,030,000 | 2,391 |
| Average earning assets | $249,673,000 | 2,386 |
| Average equity | $45,093,000 | 1,671 |
| Average total loans | $159,409,500 | 2,534 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,320 |
| Cost of funding earning assets | 0.2706% | 4,577 |
| Net interest margin | 3.9976% | 1,726 |
| Noninterest income to average assets | 0.4084% | 3,972 |
| Noninterest expense to average assets | 2.7344% | 3,469 |
| Loan and lease loss provision to assets | 0.0373% | 3,604 |
| Net operating income to assets | 0.9621% | 2,566 |
| Return on assets (ROA) | 1.0142% | 2,368 |
| Pretax return on assets | 1.4076% | 1,872 |
| Return on Equity (ROE) | 6.1718% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.0541% | 3,126 |
| Net charge-offs to loans | 0.0433% | 3,349 |
| Credit loss provision to net charge-offs | 149.2537% | 1,782 |
| Earnings coverage of net charge-offs (x) | 54.9851% | 939 |
| Efficiency ratio | 66.5790% | 3,815 |
| Assets per employee ($millions) | 3.5988% | 4,646 |
| Cash dividends to net income (ytd only)* | 34.3130% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 1,061 |
| Loan loss allowance to noncurrent loans | 125.0744% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 1,561 |
| Noncurrent loans to loans | 1.4722% | 1,583 |
| Net loans and leases to total assets | 58.1271% | 4,070 |
| Net loans and leases to deposits | 70.4736% | 3,869 |
| Net loans and leases to core deposits | 75.4844% | 3,801 |
| Total domestic deposits to total assets | 82.4806% | 4,021 |
| Equity capital to assets | 16.6072% | 448 |
| Core capital (leverage) ratio | 16.1104% | 456 |
| Tier 1 risk-based capital ratio | 23.2769% | 978 |
| Total risk-based capital ratio | 24.5454% | 966 |
| Memoranda: | ||
| Average total assets | $268,393,200 | 2,357 |
| Average earning assets | $248,321,000 | 2,352 |
| Average equity | $44,103,800 | 1,673 |
| Average total loans | $154,750,600 | 2,533 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,377 |
| Cost of funding earning assets | 0.2740% | 4,618 |
| Net interest margin | 3.9835% | 1,753 |
| Noninterest income to average assets | 0.4139% | 3,977 |
| Noninterest expense to average assets | 2.7291% | 3,461 |
| Loan and lease loss provision to assets | 0.0497% | 3,215 |
| Net operating income to assets | 0.9128% | 2,902 |
| Return on assets (ROA) | 0.9601% | 2,753 |
| Pretax return on assets | 1.3855% | 2,076 |
| Return on Equity (ROE) | 5.8585% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,793 |
| Net charge-offs to loans | -0.0139% | 5,085 |
| Credit loss provision to net charge-offs | -625.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6343% | 3,777 |
| Assets per employee ($millions) | 3.6545% | 4,511 |
| Cash dividends to net income (ytd only)* | 35.6993% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 1,123 |
| Loan loss allowance to noncurrent loans | 143.4391% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 1,748 |
| Noncurrent loans to loans | 1.3088% | 1,949 |
| Net loans and leases to total assets | 59.3258% | 3,963 |
| Net loans and leases to deposits | 71.9861% | 3,771 |
| Net loans and leases to core deposits | 77.5256% | 3,648 |
| Total domestic deposits to total assets | 82.4129% | 4,020 |
| Equity capital to assets | 16.6331% | 476 |
| Core capital (leverage) ratio | 16.0030% | 492 |
| Tier 1 risk-based capital ratio | 22.9683% | 1,056 |
| Total risk-based capital ratio | 24.2479% | 1,040 |
| Memoranda: | ||
| Average total assets | $268,014,750 | 2,374 |
| Average earning assets | $247,714,500 | 2,378 |
| Average equity | $43,923,750 | 1,689 |
| Average total loans | $153,480,250 | 2,560 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 2,596 |
| Cost of funding earning assets | 0.2743% | 4,678 |
| Net interest margin | 3.9121% | 1,933 |
| Noninterest income to average assets | 0.3822% | 4,219 |
| Noninterest expense to average assets | 2.7114% | 3,560 |
| Loan and lease loss provision to assets | 0.0745% | 2,627 |
| Net operating income to assets | 0.8525% | 3,118 |
| Return on assets (ROA) | 0.9068% | 2,963 |
| Pretax return on assets | 1.2868% | 2,412 |
| Return on Equity (ROE) | 5.5604% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.4587% | 3,843 |
| Net charge-offs to loans | -0.1379% | 5,903 |
| Credit loss provision to net charge-offs | -96.1538% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8665% | 3,690 |
| Assets per employee ($millions) | 3.6692% | 4,490 |
| Cash dividends to net income (ytd only)* | 37.7979% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0462% | 917 |
| Loan loss allowance to noncurrent loans | 132.6096% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 1,797 |
| Noncurrent loans to loans | 1.5431% | 1,716 |
| Net loans and leases to total assets | 55.6703% | 4,372 |
| Net loans and leases to deposits | 67.3750% | 4,194 |
| Net loans and leases to core deposits | 72.5327% | 4,084 |
| Total domestic deposits to total assets | 82.6275% | 4,085 |
| Equity capital to assets | 16.3007% | 492 |
| Core capital (leverage) ratio | 15.9235% | 476 |
| Tier 1 risk-based capital ratio | 23.8580% | 973 |
| Total risk-based capital ratio | 25.1369% | 952 |
| Memoranda: | ||
| Average total assets | $268,426,000 | 2,388 |
| Average earning assets | $247,900,670 | 2,390 |
| Average equity | $43,773,670 | 1,700 |
| Average total loans | $150,874,330 | 2,601 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,563 |
| Cost of funding earning assets | 0.2744% | 4,734 |
| Net interest margin | 3.8985% | 1,900 |
| Noninterest income to average assets | 0.3692% | 4,256 |
| Noninterest expense to average assets | 2.8328% | 3,129 |
| Loan and lease loss provision to assets | 0.1116% | 1,849 |
| Net operating income to assets | 0.7308% | 3,643 |
| Return on assets (ROA) | 0.7919% | 3,439 |
| Pretax return on assets | 1.1045% | 3,053 |
| Return on Equity (ROE) | 4.8552% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.7561% | 4,299 |
| Net charge-offs to loans | 0.0186% | 2,784 |
| Credit loss provision to net charge-offs | 1,071.4286% | 318 |
| Earnings coverage of net charge-offs (x) | 108.5714% | 461 |
| Efficiency ratio | 71.4608% | 3,256 |
| Assets per employee ($millions) | 3.7456% | 4,432 |
| Cash dividends to net income (ytd only)* | 43.2331% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 1,098 |
| Loan loss allowance to noncurrent loans | 162.6980% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 2,164 |
| Noncurrent loans to loans | 1.2244% | 2,326 |
| Net loans and leases to total assets | 54.3441% | 4,403 |
| Net loans and leases to deposits | 65.7208% | 4,179 |
| Net loans and leases to core deposits | 71.3407% | 4,030 |
| Total domestic deposits to total assets | 82.6894% | 4,283 |
| Equity capital to assets | 16.3350% | 503 |
| Core capital (leverage) ratio | 15.8686% | 480 |
| Tier 1 risk-based capital ratio | 23.9420% | 999 |
| Total risk-based capital ratio | 25.2216% | 984 |
| Memoranda: | ||
| Average total assets | $268,712,000 | 2,396 |
| Average earning assets | $247,785,500 | 2,399 |
| Average equity | $43,829,500 | 1,698 |
| Average total loans | $150,196,500 | 2,620 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,947 |
| Cost of funding earning assets | 0.3209% | 4,570 |
| Net interest margin | 4.1611% | 1,402 |
| Noninterest income to average assets | 0.6273% | 2,699 |
| Noninterest expense to average assets | 2.7254% | 3,768 |
| Loan and lease loss provision to assets | 0.1004% | 2,480 |
| Net operating income to assets | 1.2169% | 1,537 |
| Return on assets (ROA) | 1.2349% | 1,533 |
| Pretax return on assets | 1.6452% | 1,108 |
| Return on Equity (ROE) | 7.4696% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.4950% | 2,263 |
| Net charge-offs to loans | 0.2036% | 2,040 |
| Credit loss provision to net charge-offs | 85.0000% | 2,761 |
| Earnings coverage of net charge-offs (x) | 14.5733% | 2,150 |
| Efficiency ratio | 61.2858% | 5,024 |
| Assets per employee ($millions) | 3.8248% | 4,303 |
| Cash dividends to net income (ytd only)* | 26.4349% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 1,241 |
| Loan loss allowance to noncurrent loans | 121.4942% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 2,031 |
| Noncurrent loans to loans | 1.5883% | 1,839 |
| Net loans and leases to total assets | 55.2572% | 4,414 |
| Net loans and leases to deposits | 66.8228% | 4,231 |
| Net loans and leases to core deposits | 71.2669% | 4,191 |
| Total domestic deposits to total assets | 82.6921% | 4,188 |
| Equity capital to assets | 16.2868% | 501 |
| Core capital (leverage) ratio | 15.6360% | 514 |
| Tier 1 risk-based capital ratio | 24.4303% | 901 |
| Total risk-based capital ratio | 25.7055% | 878 |
| Memoranda: | ||
| Average total assets | $253,944,400 | 2,488 |
| Average earning assets | $233,111,400 | 2,488 |
| Average equity | $41,983,600 | 1,711 |
| Average total loans | $147,347,200 | 2,608 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,744 |
| Cost of funding earning assets | 0.3296% | 4,570 |
| Net interest margin | 4.2067% | 1,269 |
| Noninterest income to average assets | 0.6675% | 2,489 |
| Noninterest expense to average assets | 2.7550% | 3,620 |
| Loan and lease loss provision to assets | 0.1198% | 2,071 |
| Net operating income to assets | 1.2219% | 1,600 |
| Return on assets (ROA) | 1.2412% | 1,606 |
| Pretax return on assets | 1.6846% | 1,101 |
| Return on Equity (ROE) | 7.4781% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.5605% | 2,699 |
| Net charge-offs to loans | 0.0947% | 2,861 |
| Credit loss provision to net charge-offs | 216.3462% | 1,188 |
| Earnings coverage of net charge-offs (x) | 32.1258% | 1,311 |
| Efficiency ratio | 60.7726% | 5,078 |
| Assets per employee ($millions) | 3.6091% | 4,661 |
| Cash dividends to net income (ytd only)* | 25.6431% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 1,111 |
| Loan loss allowance to noncurrent loans | 171.5561% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 2,584 |
| Noncurrent loans to loans | 1.2139% | 2,615 |
| Net loans and leases to total assets | 56.4426% | 4,272 |
| Net loans and leases to deposits | 68.6330% | 4,063 |
| Net loans and leases to core deposits | 73.7765% | 3,964 |
| Total domestic deposits to total assets | 82.2383% | 4,401 |
| Equity capital to assets | 16.7654% | 461 |
| Core capital (leverage) ratio | 15.9984% | 481 |
| Tier 1 risk-based capital ratio | 24.8736% | 896 |
| Total risk-based capital ratio | 26.2047% | 873 |
| Memoranda: | ||
| Average total assets | $250,495,750 | 2,538 |
| Average earning assets | $230,198,750 | 2,538 |
| Average equity | $41,578,000 | 1,735 |
| Average total loans | $146,470,000 | 2,636 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 1,681 |
| Cost of funding earning assets | 0.3371% | 4,570 |
| Net interest margin | 4.2082% | 1,224 |
| Noninterest income to average assets | 0.3878% | 4,339 |
| Noninterest expense to average assets | 2.8128% | 3,450 |
| Loan and lease loss provision to assets | 0.1207% | 2,039 |
| Net operating income to assets | 0.9099% | 2,755 |
| Return on assets (ROA) | 1.3372% | 1,259 |
| Pretax return on assets | 1.7500% | 929 |
| Return on Equity (ROE) | 8.0842% | 3,042 |
| Retained earnings to average equity (ytd only) | 6.1434% | 2,239 |
| Net charge-offs to loans | 0.0794% | 2,898 |
| Credit loss provision to net charge-offs | 258.6207% | 967 |
| Earnings coverage of net charge-offs (x) | 30.6897% | 1,238 |
| Efficiency ratio | 66.2623% | 4,321 |
| Assets per employee ($millions) | 3.7140% | 4,432 |
| Cash dividends to net income (ytd only)* | 24.0072% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0859% | 1,207 |
| Loan loss allowance to noncurrent loans | 137.6694% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 2,412 |
| Noncurrent loans to loans | 1.5151% | 2,300 |
| Net loans and leases to total assets | 56.6537% | 4,167 |
| Net loans and leases to deposits | 68.8118% | 3,955 |
| Net loans and leases to core deposits | 74.0077% | 3,840 |
| Total domestic deposits to total assets | 82.3314% | 4,530 |
| Equity capital to assets | 16.7515% | 446 |
| Core capital (leverage) ratio | 15.8671% | 495 |
| Tier 1 risk-based capital ratio | 24.8839% | 883 |
| Total risk-based capital ratio | 26.2226% | 861 |
| Memoranda: | ||
| Average total assets | $248,578,330 | 2,556 |
| Average earning assets | $227,842,000 | 2,567 |
| Average equity | $41,117,000 | 1,742 |
| Average total loans | $146,057,000 | 2,640 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,567 |
| Cost of funding earning assets | 0.3497% | 4,544 |
| Net interest margin | 4.2268% | 1,151 |
| Noninterest income to average assets | 0.4007% | 4,180 |
| Noninterest expense to average assets | 2.7479% | 3,764 |
| Loan and lease loss provision to assets | 0.1217% | 1,976 |
| Net operating income to assets | 0.9415% | 2,448 |
| Return on assets (ROA) | 0.9911% | 2,300 |
| Pretax return on assets | 1.4664% | 1,529 |
| Return on Equity (ROE) | 6.0312% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.0570% | 3,680 |
| Net charge-offs to loans | 0.0740% | 2,408 |
| Credit loss provision to net charge-offs | 277.7778% | 833 |
| Earnings coverage of net charge-offs (x) | 34.5926% | 963 |
| Efficiency ratio | 64.4597% | 4,787 |
| Assets per employee ($millions) | 3.6401% | 4,643 |
| Cash dividends to net income (ytd only)* | 32.7332% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 1,379 |
| Loan loss allowance to noncurrent loans | 105.7002% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 2,279 |
| Noncurrent loans to loans | 1.9626% | 1,913 |
| Net loans and leases to total assets | 57.2878% | 3,953 |
| Net loans and leases to deposits | 69.9169% | 3,613 |
| Net loans and leases to core deposits | 75.3423% | 3,482 |
| Total domestic deposits to total assets | 81.9371% | 4,958 |
| Equity capital to assets | 16.5847% | 445 |
| Core capital (leverage) ratio | 15.7856% | 504 |
| Tier 1 risk-based capital ratio | 24.4751% | 940 |
| Total risk-based capital ratio | 25.8123% | 912 |
| Memoranda: | ||
| Average total assets | $246,592,500 | 2,586 |
| Average earning assets | $225,326,000 | 2,603 |
| Average equity | $40,522,500 | 1,761 |
| Average total loans | $146,022,000 | 2,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 1,971 |
| Cost of funding earning assets | 0.4221% | 4,410 |
| Net interest margin | 4.1443% | 1,520 |
| Noninterest income to average assets | 0.4088% | 4,384 |
| Noninterest expense to average assets | 2.7877% | 3,769 |
| Loan and lease loss provision to assets | 0.0911% | 3,287 |
| Net operating income to assets | 0.9769% | 2,433 |
| Return on assets (ROA) | 0.9778% | 2,498 |
| Pretax return on assets | 1.3137% | 2,095 |
| Return on Equity (ROE) | 6.0792% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.2675% | 3,139 |
| Net charge-offs to loans | 0.3512% | 1,922 |
| Credit loss provision to net charge-offs | 45.7317% | 3,923 |
| Earnings coverage of net charge-offs (x) | 7.0488% | 2,922 |
| Efficiency ratio | 66.5122% | 4,468 |
| Assets per employee ($millions) | 3.6126% | 4,649 |
| Cash dividends to net income (ytd only)* | 29.8013% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,527 |
| Loan loss allowance to noncurrent loans | 92.6936% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 2,387 |
| Noncurrent loans to loans | 2.1659% | 1,811 |
| Net loans and leases to total assets | 58.7325% | 3,916 |
| Net loans and leases to deposits | 71.3456% | 3,609 |
| Net loans and leases to core deposits | 77.0488% | 3,481 |
| Total domestic deposits to total assets | 82.3212% | 4,760 |
| Equity capital to assets | 16.2801% | 489 |
| Core capital (leverage) ratio | 15.3576% | 561 |
| Tier 1 risk-based capital ratio | 23.9004% | 965 |
| Total risk-based capital ratio | 25.1580% | 952 |
| Memoranda: | ||
| Average total assets | $247,081,200 | 2,558 |
| Average earning assets | $225,512,800 | 2,562 |
| Average equity | $39,742,000 | 1,756 |
| Average total loans | $140,106,000 | 2,697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,204 |
| Cost of funding earning assets | 0.4346% | 4,457 |
| Net interest margin | 4.0729% | 1,715 |
| Noninterest income to average assets | 0.4235% | 4,340 |
| Noninterest expense to average assets | 2.7379% | 3,876 |
| Loan and lease loss provision to assets | 0.0824% | 3,418 |
| Net operating income to assets | 0.8934% | 2,863 |
| Return on assets (ROA) | 0.8945% | 2,978 |
| Pretax return on assets | 1.3218% | 2,250 |
| Return on Equity (ROE) | 5.5779% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.7634% | 4,011 |
| Net charge-offs to loans | 0.4550% | 1,410 |
| Credit loss provision to net charge-offs | 32.4153% | 3,849 |
| Earnings coverage of net charge-offs (x) | 5.5148% | 3,171 |
| Efficiency ratio | 66.1244% | 4,457 |
| Assets per employee ($millions) | 3.5700% | 4,714 |
| Cash dividends to net income (ytd only)* | 32.5300% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9903% | 1,743 |
| Loan loss allowance to noncurrent loans | 100.8336% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 2,841 |
| Noncurrent loans to loans | 1.9739% | 2,281 |
| Net loans and leases to total assets | 58.8867% | 3,872 |
| Net loans and leases to deposits | 71.4245% | 3,582 |
| Net loans and leases to core deposits | 76.9849% | 3,500 |
| Total domestic deposits to total assets | 82.4461% | 4,782 |
| Equity capital to assets | 16.2213% | 510 |
| Core capital (leverage) ratio | 15.2589% | 599 |
| Tier 1 risk-based capital ratio | 24.0862% | 992 |
| Total risk-based capital ratio | 25.3565% | 971 |
| Memoranda: | ||
| Average total assets | $247,437,500 | 2,567 |
| Average earning assets | $225,814,500 | 2,568 |
| Average equity | $39,679,250 | 1,771 |
| Average total loans | $138,323,500 | 2,739 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,538 |
| Cost of funding earning assets | 0.4415% | 4,525 |
| Net interest margin | 3.9650% | 1,988 |
| Noninterest income to average assets | 0.4113% | 4,437 |
| Noninterest expense to average assets | 2.7727% | 3,770 |
| Loan and lease loss provision to assets | 0.0602% | 3,803 |
| Net operating income to assets | 0.8091% | 3,240 |
| Return on assets (ROA) | 0.8113% | 3,389 |
| Pretax return on assets | 1.1952% | 2,693 |
| Return on Equity (ROE) | 5.0780% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.2680% | 4,223 |
| Net charge-offs to loans | 0.6597% | 992 |
| Credit loss provision to net charge-offs | 16.7411% | 3,798 |
| Earnings coverage of net charge-offs (x) | 3.4799% | 3,379 |
| Efficiency ratio | 68.8884% | 4,029 |
| Assets per employee ($millions) | 3.6751% | 4,458 |
| Cash dividends to net income (ytd only)* | 35.6436% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 1,773 |
| Loan loss allowance to noncurrent loans | 102.5189% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3617% | 3,062 |
| Noncurrent loans to loans | 1.9865% | 2,416 |
| Net loans and leases to total assets | 55.6569% | 4,349 |
| Net loans and leases to deposits | 67.1990% | 4,115 |
| Net loans and leases to core deposits | 72.5924% | 3,974 |
| Total domestic deposits to total assets | 82.8239% | 4,775 |
| Equity capital to assets | 15.9333% | 533 |
| Core capital (leverage) ratio | 14.9270% | 626 |
| Tier 1 risk-based capital ratio | 25.0257% | 872 |
| Total risk-based capital ratio | 26.3202% | 852 |
| Memoranda: | ||
| Average total assets | $248,996,330 | 2,562 |
| Average earning assets | $226,938,000 | 2,566 |
| Average equity | $39,779,330 | 1,771 |
| Average total loans | $135,812,330 | 2,776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 2,877 |
| Cost of funding earning assets | 0.4467% | 4,629 |
| Net interest margin | 3.8569% | 2,256 |
| Noninterest income to average assets | 0.4058% | 4,415 |
| Noninterest expense to average assets | 2.6488% | 4,245 |
| Loan and lease loss provision to assets | 0.1198% | 2,724 |
| Net operating income to assets | 0.7535% | 3,418 |
| Return on assets (ROA) | 0.7557% | 3,543 |
| Pretax return on assets | 1.1439% | 2,796 |
| Return on Equity (ROE) | 4.7238% | 4,726 |
| Retained earnings to average equity (ytd only) | 2.9262% | 4,523 |
| Net charge-offs to loans | -0.0239% | 5,801 |
| Credit loss provision to net charge-offs | -937.5000% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7564% | 4,358 |
| Assets per employee ($millions) | 3.5671% | 4,852 |
| Cash dividends to net income (ytd only)* | 38.0550% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4982% | 1,120 |
| Loan loss allowance to noncurrent loans | 84.7871% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.7261% | 2,704 |
| Noncurrent loans to loans | 2.9464% | 1,704 |
| Net loans and leases to total assets | 51.6592% | 4,751 |
| Net loans and leases to deposits | 62.8432% | 4,437 |
| Net loans and leases to core deposits | 67.8466% | 4,320 |
| Total domestic deposits to total assets | 82.2033% | 5,124 |
| Equity capital to assets | 16.0934% | 548 |
| Core capital (leverage) ratio | 14.9373% | 601 |
| Tier 1 risk-based capital ratio | 26.5087% | 744 |
| Total risk-based capital ratio | 27.7947% | 732 |
| Memoranda: | ||
| Average total assets | $250,378,500 | 2,578 |
| Average earning assets | $227,439,000 | 2,592 |
| Average equity | $40,052,500 | 1,771 |
| Average total loans | $133,771,500 | 2,823 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9903% | 1,586 |
| Cost of funding earning assets | 0.5980% | 4,377 |
| Net interest margin | 4.3924% | 1,173 |
| Noninterest income to average assets | 0.3287% | 5,104 |
| Noninterest expense to average assets | 3.0018% | 3,265 |
| Loan and lease loss provision to assets | 0.0713% | 4,846 |
| Net operating income to assets | 0.8324% | 3,131 |
| Return on assets (ROA) | 0.9263% | 2,916 |
| Pretax return on assets | 1.3585% | 2,181 |
| Return on Equity (ROE) | 5.8067% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.9427% | 3,428 |
| Net charge-offs to loans | -0.0172% | 6,532 |
| Credit loss provision to net charge-offs | -729.1667% | 6,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9146% | 3,836 |
| Assets per employee ($millions) | 3.5866% | 4,813 |
| Cash dividends to net income (ytd only)* | 32.1020% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 1,262 |
| Loan loss allowance to noncurrent loans | 135.8920% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 3,783 |
| Noncurrent loans to loans | 1.7531% | 2,982 |
| Net loans and leases to total assets | 52.5868% | 4,825 |
| Net loans and leases to deposits | 63.8161% | 4,556 |
| Net loans and leases to core deposits | 68.9287% | 4,443 |
| Total domestic deposits to total assets | 82.4037% | 4,968 |
| Equity capital to assets | 15.9006% | 571 |
| Core capital (leverage) ratio | 14.8102% | 603 |
| Tier 1 risk-based capital ratio | 26.0537% | 766 |
| Total risk-based capital ratio | 27.3173% | 755 |
| Memoranda: | ||
| Average total assets | $245,489,600 | 2,569 |
| Average earning assets | $221,589,600 | 2,597 |
| Average equity | $39,161,400 | 1,777 |
| Average total loans | $139,344,600 | 2,727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 1,402 |
| Cost of funding earning assets | 0.6308% | 4,360 |
| Net interest margin | 4.4820% | 1,026 |
| Noninterest income to average assets | 0.2988% | 5,386 |
| Noninterest expense to average assets | 3.0031% | 3,217 |
| Loan and lease loss provision to assets | 0.0546% | 5,062 |
| Net operating income to assets | 0.8382% | 3,270 |
| Return on assets (ROA) | 0.9597% | 2,919 |
| Pretax return on assets | 1.4650% | 2,020 |
| Return on Equity (ROE) | 6.0110% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.1294% | 3,997 |
| Net charge-offs to loans | -0.0522% | 6,722 |
| Credit loss provision to net charge-offs | -181.8182% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2182% | 3,834 |
| Assets per employee ($millions) | 3.6340% | 4,693 |
| Cash dividends to net income (ytd only)* | 31.3035% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3219% | 1,475 |
| Loan loss allowance to noncurrent loans | 132.9707% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 4,061 |
| Noncurrent loans to loans | 1.7462% | 3,163 |
| Net loans and leases to total assets | 53.3167% | 4,852 |
| Net loans and leases to deposits | 64.3647% | 4,674 |
| Net loans and leases to core deposits | 69.5129% | 4,558 |
| Total domestic deposits to total assets | 82.8353% | 4,714 |
| Equity capital to assets | 15.8135% | 642 |
| Core capital (leverage) ratio | 14.9084% | 624 |
| Tier 1 risk-based capital ratio | 25.7964% | 842 |
| Total risk-based capital ratio | 27.0592% | 829 |
| Memoranda: | ||
| Average total assets | $244,097,250 | 2,609 |
| Average earning assets | $220,016,750 | 2,646 |
| Average equity | $38,971,750 | 1,800 |
| Average total loans | $140,369,250 | 2,746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 1,210 |
| Cost of funding earning assets | 0.6662% | 4,310 |
| Net interest margin | 4.5468% | 915 |
| Noninterest income to average assets | 0.2505% | 5,785 |
| Noninterest expense to average assets | 2.9610% | 3,404 |
| Loan and lease loss provision to assets | 0.0827% | 4,564 |
| Net operating income to assets | 0.8928% | 2,947 |
| Return on assets (ROA) | 0.9294% | 3,026 |
| Pretax return on assets | 1.3635% | 2,338 |
| Return on Equity (ROE) | 5.8020% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.8921% | 4,026 |
| Net charge-offs to loans | -0.0678% | 6,749 |
| Credit loss provision to net charge-offs | -208.3333% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0152% | 4,120 |
| Assets per employee ($millions) | 3.5386% | 4,894 |
| Cash dividends to net income (ytd only)* | 32.9181% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 1,592 |
| Loan loss allowance to noncurrent loans | 157.4479% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 4,335 |
| Noncurrent loans to loans | 1.4602% | 3,718 |
| Net loans and leases to total assets | 55.1885% | 4,600 |
| Net loans and leases to deposits | 66.7041% | 4,417 |
| Net loans and leases to core deposits | 71.9424% | 4,302 |
| Total domestic deposits to total assets | 82.7363% | 4,858 |
| Equity capital to assets | 16.1067% | 560 |
| Core capital (leverage) ratio | 14.9792% | 603 |
| Tier 1 risk-based capital ratio | 24.8044% | 920 |
| Total risk-based capital ratio | 26.0730% | 905 |
| Memoranda: | ||
| Average total assets | $241,880,670 | 2,639 |
| Average earning assets | $218,261,000 | 2,665 |
| Average equity | $38,745,000 | 1,796 |
| Average total loans | $141,536,330 | 2,752 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 1,187 |
| Cost of funding earning assets | 0.6945% | 4,327 |
| Net interest margin | 4.5665% | 874 |
| Noninterest income to average assets | 0.2409% | 5,904 |
| Noninterest expense to average assets | 2.7299% | 4,314 |
| Loan and lease loss provision to assets | 0.1662% | 3,313 |
| Net operating income to assets | 1.0089% | 2,447 |
| Return on assets (ROA) | 1.0202% | 2,591 |
| Pretax return on assets | 1.5020% | 1,862 |
| Return on Equity (ROE) | 6.3869% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.4105% | 3,951 |
| Net charge-offs to loans | 0.0195% | 4,420 |
| Credit loss provision to net charge-offs | 1,428.5714% | 244 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 255 |
| Efficiency ratio | 62.3057% | 5,219 |
| Assets per employee ($millions) | 3.4397% | 5,259 |
| Cash dividends to net income (ytd only)* | 30.9446% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 1,853 |
| Loan loss allowance to noncurrent loans | 154.7938% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 4,267 |
| Noncurrent loans to loans | 1.4306% | 3,966 |
| Net loans and leases to total assets | 57.1453% | 4,195 |
| Net loans and leases to deposits | 69.0229% | 3,871 |
| Net loans and leases to core deposits | 74.8763% | 3,765 |
| Total domestic deposits to total assets | 82.7918% | 5,013 |
| Equity capital to assets | 16.0681% | 565 |
| Core capital (leverage) ratio | 14.8959% | 616 |
| Tier 1 risk-based capital ratio | 24.3945% | 963 |
| Total risk-based capital ratio | 25.6533% | 948 |
| Memoranda: | ||
| Average total assets | $240,738,500 | 2,662 |
| Average earning assets | $218,285,500 | 2,672 |
| Average equity | $38,454,000 | 1,805 |
| Average total loans | $143,343,500 | 2,731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5522% | 1,050 |
| Cost of funding earning assets | 0.9297% | 3,877 |
| Net interest margin | 4.6225% | 880 |
| Noninterest income to average assets | 0.2942% | 5,426 |
| Noninterest expense to average assets | 2.6967% | 4,758 |
| Loan and lease loss provision to assets | 0.6151% | 1,679 |
| Net operating income to assets | 0.9504% | 2,405 |
| Return on assets (ROA) | 0.9517% | 2,531 |
| Pretax return on assets | 1.1973% | 2,469 |
| Return on Equity (ROE) | 6.1623% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.2248% | 3,180 |
| Net charge-offs to loans | 0.8479% | 2,045 |
| Credit loss provision to net charge-offs | 114.4625% | 2,854 |
| Earnings coverage of net charge-offs (x) | 3.3697% | 3,544 |
| Efficiency ratio | 59.8285% | 5,786 |
| Assets per employee ($millions) | 3.4883% | 5,038 |
| Cash dividends to net income (ytd only)* | 31.4410% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 2,080 |
| Loan loss allowance to noncurrent loans | 124.4545% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 3,832 |
| Noncurrent loans to loans | 1.6640% | 3,669 |
| Net loans and leases to total assets | 59.3915% | 4,115 |
| Net loans and leases to deposits | 71.3837% | 3,886 |
| Net loans and leases to core deposits | 77.5284% | 3,745 |
| Total domestic deposits to total assets | 83.2004% | 4,668 |
| Equity capital to assets | 15.8785% | 596 |
| Core capital (leverage) ratio | 14.7938% | 651 |
| Tier 1 risk-based capital ratio | 23.5064% | 1,027 |
| Total risk-based capital ratio | 24.7686% | 1,009 |
| Memoranda: | ||
| Average total assets | $240,623,000 | 2,627 |
| Average earning assets | $219,320,000 | 2,620 |
| Average equity | $37,161,200 | 1,814 |
| Average total loans | $152,493,400 | 2,608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6270% | 978 |
| Cost of funding earning assets | 0.9776% | 3,834 |
| Net interest margin | 4.6494% | 852 |
| Noninterest income to average assets | 0.2787% | 5,618 |
| Noninterest expense to average assets | 2.5480% | 5,290 |
| Loan and lease loss provision to assets | 0.5819% | 1,691 |
| Net operating income to assets | 0.9357% | 2,586 |
| Return on assets (ROA) | 0.9221% | 2,802 |
| Pretax return on assets | 1.3643% | 2,068 |
| Return on Equity (ROE) | 6.0130% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.0617% | 3,837 |
| Net charge-offs to loans | 0.0355% | 5,647 |
| Credit loss provision to net charge-offs | 2,560.9756% | 108 |
| Earnings coverage of net charge-offs (x) | 86.5292% | 411 |
| Efficiency ratio | 56.4449% | 6,220 |
| Assets per employee ($millions) | 3.5204% | 4,940 |
| Cash dividends to net income (ytd only)* | 32.4519% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5952% | 1,273 |
| Loan loss allowance to noncurrent loans | 89.3770% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 2.2177% | 2,871 |
| Noncurrent loans to loans | 2.9037% | 2,400 |
| Net loans and leases to total assets | 59.4102% | 4,253 |
| Net loans and leases to deposits | 71.2668% | 4,100 |
| Net loans and leases to core deposits | 78.0828% | 3,896 |
| Total domestic deposits to total assets | 83.3631% | 4,532 |
| Equity capital to assets | 15.6390% | 697 |
| Core capital (leverage) ratio | 14.4050% | 790 |
| Tier 1 risk-based capital ratio | 22.8239% | 1,170 |
| Total risk-based capital ratio | 24.0976% | 1,147 |
| Memoranda: | ||
| Average total assets | $240,604,750 | 2,644 |
| Average earning assets | $219,177,500 | 2,640 |
| Average equity | $36,896,750 | 1,828 |
| Average total loans | $154,122,750 | 2,606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 961 |
| Cost of funding earning assets | 1.0188% | 3,825 |
| Net interest margin | 4.6328% | 849 |
| Noninterest income to average assets | 0.3119% | 5,400 |
| Noninterest expense to average assets | 2.5467% | 5,372 |
| Loan and lease loss provision to assets | 0.6254% | 1,531 |
| Net operating income to assets | 0.9131% | 2,581 |
| Return on assets (ROA) | 0.9131% | 2,684 |
| Pretax return on assets | 1.3601% | 1,921 |
| Return on Equity (ROE) | 5.9946% | 3,975 |
| Retained earnings to average equity (ytd only) | 4.0238% | 3,639 |
| Net charge-offs to loans | 0.0538% | 5,112 |
| Credit loss provision to net charge-offs | 1,785.7143% | 193 |
| Earnings coverage of net charge-offs (x) | 56.6905% | 563 |
| Efficiency ratio | 56.1914% | 6,403 |
| Assets per employee ($millions) | 3.4676% | 5,029 |
| Cash dividends to net income (ytd only)* | 32.8767% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3814% | 1,622 |
| Loan loss allowance to noncurrent loans | 84.9880% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 2.2655% | 2,899 |
| Noncurrent loans to loans | 2.8020% | 2,598 |
| Net loans and leases to total assets | 59.8508% | 4,298 |
| Net loans and leases to deposits | 71.4812% | 4,207 |
| Net loans and leases to core deposits | 79.2733% | 3,886 |
| Total domestic deposits to total assets | 83.7294% | 4,462 |
| Equity capital to assets | 15.3239% | 740 |
| Core capital (leverage) ratio | 14.2823% | 808 |
| Tier 1 risk-based capital ratio | 22.9009% | 1,133 |
| Total risk-based capital ratio | 24.1730% | 1,114 |
| Memoranda: | ||
| Average total assets | $239,837,670 | 2,659 |
| Average earning assets | $218,485,000 | 2,662 |
| Average equity | $36,533,000 | 1,832 |
| Average total loans | $156,111,670 | 2,599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7140% | 853 |
| Cost of funding earning assets | 1.0632% | 3,765 |
| Net interest margin | 4.6508% | 783 |
| Noninterest income to average assets | 0.3087% | 5,457 |
| Noninterest expense to average assets | 2.4951% | 5,570 |
| Loan and lease loss provision to assets | 0.6712% | 1,271 |
| Net operating income to assets | 0.9241% | 2,464 |
| Return on assets (ROA) | 0.8893% | 2,681 |
| Pretax return on assets | 1.3256% | 1,960 |
| Return on Equity (ROE) | 5.8561% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.8672% | 3,848 |
| Net charge-offs to loans | 0.1102% | 3,866 |
| Credit loss provision to net charge-offs | 909.0909% | 414 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 884 |
| Efficiency ratio | 54.9114% | 6,611 |
| Assets per employee ($millions) | 3.4123% | 5,209 |
| Cash dividends to net income (ytd only)* | 33.9623% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 2,320 |
| Loan loss allowance to noncurrent loans | 74.2844% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 2.1521% | 3,124 |
| Noncurrent loans to loans | 2.7402% | 2,759 |
| Net loans and leases to total assets | 63.4093% | 3,560 |
| Net loans and leases to deposits | 75.4352% | 3,508 |
| Net loans and leases to core deposits | 83.8471% | 3,185 |
| Total domestic deposits to total assets | 84.0580% | 4,470 |
| Equity capital to assets | 15.0769% | 747 |
| Core capital (leverage) ratio | 14.4596% | 744 |
| Tier 1 risk-based capital ratio | 23.4380% | 1,035 |
| Total risk-based capital ratio | 24.7060% | 1,020 |
| Memoranda: | ||
| Average total assets | $238,390,500 | 2,691 |
| Average earning assets | $217,081,000 | 2,701 |
| Average equity | $36,201,500 | 1,827 |
| Average total loans | $159,757,000 | 2,570 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1026% | 697 |
| Cost of funding earning assets | 1.3997% | 3,268 |
| Net interest margin | 4.7029% | 812 |
| Noninterest income to average assets | 0.4052% | 4,870 |
| Noninterest expense to average assets | 2.6257% | 5,311 |
| Loan and lease loss provision to assets | 0.8432% | 1,945 |
| Net operating income to assets | 0.9853% | 2,088 |
| Return on assets (ROA) | 0.8162% | 2,861 |
| Pretax return on assets | 1.0009% | 2,929 |
| Return on Equity (ROE) | 5.4278% | 3,881 |
| Retained earnings to average equity (ytd only) | 0.2944% | 5,434 |
| Net charge-offs to loans | 1.0323% | 2,138 |
| Credit loss provision to net charge-offs | 115.6738% | 3,732 |
| Earnings coverage of net charge-offs (x) | 2.8126% | 3,672 |
| Efficiency ratio | 56.1536% | 6,582 |
| Assets per employee ($millions) | 3.3501% | 5,306 |
| Cash dividends to net income (ytd only)* | 94.5764% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 3,060 |
| Loan loss allowance to noncurrent loans | 60.1868% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.1389% | 3,166 |
| Noncurrent loans to loans | 2.8961% | 2,627 |
| Net loans and leases to total assets | 68.1692% | 2,944 |
| Net loans and leases to deposits | 80.9765% | 2,998 |
| Net loans and leases to core deposits | 90.3140% | 2,725 |
| Total domestic deposits to total assets | 84.1840% | 4,281 |
| Equity capital to assets | 15.2983% | 719 |
| Core capital (leverage) ratio | 14.3524% | 778 |
| Tier 1 risk-based capital ratio | 20.0929% | 1,470 |
| Total risk-based capital ratio | 21.3481% | 1,437 |
| Memoranda: | ||
| Average total assets | $237,191,200 | 2,668 |
| Average earning assets | $215,399,600 | 2,683 |
| Average equity | $35,668,200 | 1,857 |
| Average total loans | $167,488,400 | 2,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1746% | 648 |
| Cost of funding earning assets | 1.4697% | 3,147 |
| Net interest margin | 4.7049% | 838 |
| Noninterest income to average assets | 0.4372% | 4,656 |
| Noninterest expense to average assets | 2.6071% | 5,298 |
| Loan and lease loss provision to assets | 0.9529% | 1,568 |
| Net operating income to assets | 0.6799% | 3,509 |
| Return on assets (ROA) | 0.5482% | 4,268 |
| Pretax return on assets | 0.9350% | 3,431 |
| Return on Equity (ROE) | 3.6612% | 4,934 |
| Retained earnings to average equity (ytd only) | -2.5194% | 6,288 |
| Net charge-offs to loans | 0.1810% | 4,872 |
| Credit loss provision to net charge-offs | 742.3581% | 401 |
| Earnings coverage of net charge-offs (x) | 16.3098% | 1,385 |
| Efficiency ratio | 55.4615% | 6,626 |
| Assets per employee ($millions) | 3.3396% | 5,357 |
| Cash dividends to net income (ytd only)* | 168.8137% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4259% | 1,441 |
| Loan loss allowance to noncurrent loans | 72.1874% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.5216% | 2,845 |
| Noncurrent loans to loans | 3.3605% | 2,371 |
| Net loans and leases to total assets | 68.4650% | 3,110 |
| Net loans and leases to deposits | 81.9392% | 3,119 |
| Net loans and leases to core deposits | 90.6622% | 3,003 |
| Total domestic deposits to total assets | 83.5558% | 4,347 |
| Equity capital to assets | 15.0031% | 892 |
| Core capital (leverage) ratio | 14.2639% | 871 |
| Tier 1 risk-based capital ratio | 22.2887% | 1,166 |
| Total risk-based capital ratio | 23.5570% | 1,130 |
| Memoranda: | ||
| Average total assets | $237,861,750 | 2,693 |
| Average earning assets | $215,544,750 | 2,719 |
| Average equity | $35,616,250 | 1,878 |
| Average total loans | $168,685,750 | 2,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 659 |
| Cost of funding earning assets | 1.5035% | 3,241 |
| Net interest margin | 4.6668% | 874 |
| Noninterest income to average assets | 0.4594% | 4,438 |
| Noninterest expense to average assets | 2.6803% | 4,993 |
| Loan and lease loss provision to assets | 0.9239% | 1,580 |
| Net operating income to assets | 0.6414% | 3,668 |
| Return on assets (ROA) | 0.5006% | 4,478 |
| Pretax return on assets | 0.8744% | 3,599 |
| Return on Equity (ROE) | 3.3455% | 5,084 |
| Retained earnings to average equity (ytd only) | -4.3165% | 6,476 |
| Net charge-offs to loans | 0.1334% | 4,876 |
| Credit loss provision to net charge-offs | 973.4513% | 386 |
| Earnings coverage of net charge-offs (x) | 21.2655% | 1,175 |
| Efficiency ratio | 57.0433% | 6,504 |
| Assets per employee ($millions) | 3.1588% | 5,767 |
| Cash dividends to net income (ytd only)* | 229.0268% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 1,917 |
| Loan loss allowance to noncurrent loans | 103.0162% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 4,072 |
| Noncurrent loans to loans | 2.0610% | 3,644 |
| Net loans and leases to total assets | 70.0524% | 2,883 |
| Net loans and leases to deposits | 83.8779% | 2,886 |
| Net loans and leases to core deposits | 92.3305% | 2,939 |
| Total domestic deposits to total assets | 83.5171% | 4,329 |
| Equity capital to assets | 15.0450% | 873 |
| Core capital (leverage) ratio | 14.1042% | 906 |
| Tier 1 risk-based capital ratio | 21.4439% | 1,277 |
| Total risk-based capital ratio | 22.7072% | 1,253 |
| Memoranda: | ||
| Average total assets | $238,112,000 | 2,722 |
| Average earning assets | $216,292,330 | 2,728 |
| Average equity | $35,630,330 | 1,874 |
| Average total loans | $169,456,330 | 2,553 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1235% | 747 |
| Cost of funding earning assets | 1.5345% | 3,354 |
| Net interest margin | 4.5890% | 972 |
| Noninterest income to average assets | 0.5393% | 3,738 |
| Noninterest expense to average assets | 2.5020% | 5,723 |
| Loan and lease loss provision to assets | 0.4994% | 2,502 |
| Net operating income to assets | 1.1945% | 1,553 |
| Return on assets (ROA) | 1.1969% | 1,623 |
| Pretax return on assets | 1.7129% | 1,037 |
| Return on Equity (ROE) | 8.0197% | 2,875 |
| Retained earnings to average equity (ytd only) | 5.9562% | 2,639 |
| Net charge-offs to loans | 0.2439% | 3,484 |
| Credit loss provision to net charge-offs | 288.4615% | 1,363 |
| Earnings coverage of net charge-offs (x) | 12.7596% | 1,541 |
| Efficiency ratio | 53.1095% | 7,051 |
| Assets per employee ($millions) | 3.2108% | 5,744 |
| Cash dividends to net income (ytd only)* | 25.7302% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,318 |
| Loan loss allowance to noncurrent loans | 86.2813% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7420% | 3,864 |
| Noncurrent loans to loans | 1.8913% | 3,934 |
| Net loans and leases to total assets | 69.1150% | 3,134 |
| Net loans and leases to deposits | 83.1828% | 3,078 |
| Net loans and leases to core deposits | 92.2217% | 3,079 |
| Total domestic deposits to total assets | 83.0881% | 4,577 |
| Equity capital to assets | 15.0499% | 872 |
| Core capital (leverage) ratio | 14.5470% | 843 |
| Tier 1 risk-based capital ratio | 22.1550% | 1,185 |
| Total risk-based capital ratio | 23.4115% | 1,162 |
| Memoranda: | ||
| Average total assets | $240,292,000 | 2,762 |
| Average earning assets | $218,435,500 | 2,757 |
| Average equity | $35,861,500 | 1,877 |
| Average total loans | $170,534,000 | 2,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4560% | 731 |
| Cost of funding earning assets | 1.8840% | 3,540 |
| Net interest margin | 4.5720% | 1,035 |
| Noninterest income to average assets | 0.3634% | 5,493 |
| Noninterest expense to average assets | 2.7728% | 5,078 |
| Loan and lease loss provision to assets | 0.3075% | 4,977 |
| Net operating income to assets | 1.0750% | 1,580 |
| Return on assets (ROA) | 0.1758% | 5,046 |
| Pretax return on assets | 0.4543% | 4,335 |
| Return on Equity (ROE) | 1.1708% | 5,180 |
| Retained earnings to average equity (ytd only) | -1.0208% | 5,264 |
| Net charge-offs to loans | 0.9256% | 2,538 |
| Credit loss provision to net charge-offs | 44.6260% | 6,797 |
| Earnings coverage of net charge-offs (x) | 2.5481% | 3,847 |
| Efficiency ratio | 61.2280% | 6,287 |
| Assets per employee ($millions) | 3.1549% | 5,845 |
| Cash dividends to net income (ytd only)* | 187.1921% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 3,769 |
| Loan loss allowance to noncurrent loans | 78.8503% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.9072% | 3,519 |
| Noncurrent loans to loans | 1.8927% | 3,812 |
| Net loans and leases to total assets | 70.6107% | 3,102 |
| Net loans and leases to deposits | 85.2638% | 3,037 |
| Net loans and leases to core deposits | 127.2752% | 1,429 |
| Total domestic deposits to total assets | 82.8144% | 4,602 |
| Equity capital to assets | 14.7979% | 952 |
| Core capital (leverage) ratio | 14.4577% | 889 |
| Tier 1 risk-based capital ratio | 21.4323% | 1,228 |
| Total risk-based capital ratio | 22.6869% | 1,197 |
| Memoranda: | ||
| Average total assets | $230,883,800 | 2,811 |
| Average earning assets | $210,345,800 | 2,835 |
| Average equity | $34,677,800 | 1,939 |
| Average total loans | $171,892,400 | 2,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5331% | 698 |
| Cost of funding earning assets | 1.9675% | 3,532 |
| Net interest margin | 4.5656% | 1,048 |
| Noninterest income to average assets | 0.4227% | 5,112 |
| Noninterest expense to average assets | 2.8262% | 4,781 |
| Loan and lease loss provision to assets | 0.2770% | 4,760 |
| Net operating income to assets | 1.0742% | 1,816 |
| Return on assets (ROA) | 0.9534% | 2,284 |
| Pretax return on assets | 1.3119% | 1,928 |
| Return on Equity (ROE) | 6.3229% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.1186% | 2,975 |
| Net charge-offs to loans | 1.1666% | 1,737 |
| Credit loss provision to net charge-offs | 31.5824% | 6,493 |
| Earnings coverage of net charge-offs (x) | 2.0007% | 4,321 |
| Efficiency ratio | 61.6981% | 6,165 |
| Assets per employee ($millions) | 2.9982% | 6,164 |
| Cash dividends to net income (ytd only)* | 34.8623% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 3,906 |
| Loan loss allowance to noncurrent loans | 114.1710% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 4,505 |
| Noncurrent loans to loans | 1.2313% | 4,891 |
| Net loans and leases to total assets | 73.4296% | 2,681 |
| Net loans and leases to deposits | 87.9352% | 2,971 |
| Net loans and leases to core deposits | 129.3201% | 1,476 |
| Total domestic deposits to total assets | 83.5041% | 3,961 |
| Equity capital to assets | 15.3072% | 928 |
| Core capital (leverage) ratio | 15.4044% | 787 |
| Tier 1 risk-based capital ratio | 22.6147% | 1,158 |
| Total risk-based capital ratio | 23.8779% | 1,132 |
| Memoranda: | ||
| Average total assets | $228,662,000 | 2,859 |
| Average earning assets | $208,247,000 | 2,873 |
| Average equity | $34,477,000 | 1,973 |
| Average total loans | $171,898,250 | 2,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5774% | 688 |
| Cost of funding earning assets | 2.0393% | 3,579 |
| Net interest margin | 4.5381% | 1,083 |
| Noninterest income to average assets | 0.4159% | 5,153 |
| Noninterest expense to average assets | 2.8123% | 4,908 |
| Loan and lease loss provision to assets | 0.2413% | 4,656 |
| Net operating income to assets | 1.0730% | 1,862 |
| Return on assets (ROA) | 1.0433% | 2,036 |
| Pretax return on assets | 1.4469% | 1,599 |
| Return on Equity (ROE) | 6.9553% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.7031% | 2,684 |
| Net charge-offs to loans | 1.6383% | 1,155 |
| Credit loss provision to net charge-offs | 19.5313% | 6,136 |
| Earnings coverage of net charge-offs (x) | 1.3999% | 4,480 |
| Efficiency ratio | 61.9204% | 6,257 |
| Assets per employee ($millions) | 2.9493% | 6,268 |
| Cash dividends to net income (ytd only)* | 32.3802% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 3,926 |
| Loan loss allowance to noncurrent loans | 96.8593% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.3128% | 4,320 |
| Noncurrent loans to loans | 1.4057% | 4,400 |
| Net loans and leases to total assets | 72.8393% | 2,995 |
| Net loans and leases to deposits | 88.3546% | 3,120 |
| Net loans and leases to core deposits | 129.3618% | 1,623 |
| Total domestic deposits to total assets | 82.4397% | 4,507 |
| Equity capital to assets | 15.0168% | 1,022 |
| Core capital (leverage) ratio | 15.1986% | 878 |
| Tier 1 risk-based capital ratio | 22.9328% | 1,143 |
| Total risk-based capital ratio | 24.1864% | 1,114 |
| Memoranda: | ||
| Average total assets | $227,930,000 | 2,883 |
| Average earning assets | $207,225,330 | 2,908 |
| Average equity | $34,190,000 | 1,979 |
| Average total loans | $171,886,000 | 2,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6670% | 619 |
| Cost of funding earning assets | 2.1300% | 3,516 |
| Net interest margin | 4.5371% | 1,055 |
| Noninterest income to average assets | 0.4461% | 4,820 |
| Noninterest expense to average assets | 2.6799% | 5,103 |
| Loan and lease loss provision to assets | 0.2204% | 4,247 |
| Net operating income to assets | 1.1795% | 1,715 |
| Return on assets (ROA) | 1.1795% | 1,822 |
| Pretax return on assets | 1.6732% | 1,235 |
| Return on Equity (ROE) | 7.8677% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.6332% | 2,806 |
| Net charge-offs to loans | 3.0493% | 416 |
| Credit loss provision to net charge-offs | 9.4841% | 5,206 |
| Earnings coverage of net charge-offs (x) | 0.8149% | 4,374 |
| Efficiency ratio | 58.5968% | 6,609 |
| Assets per employee ($millions) | 2.8950% | 6,424 |
| Cash dividends to net income (ytd only)* | 28.4006% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 3,961 |
| Loan loss allowance to noncurrent loans | 155.1653% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 4,661 |
| Noncurrent loans to loans | 0.8505% | 5,324 |
| Net loans and leases to total assets | 73.6600% | 2,851 |
| Net loans and leases to deposits | 88.2810% | 3,241 |
| Net loans and leases to core deposits | 126.2328% | 1,901 |
| Total domestic deposits to total assets | 83.4381% | 3,940 |
| Equity capital to assets | 15.0561% | 1,088 |
| Core capital (leverage) ratio | 15.4708% | 872 |
| Tier 1 risk-based capital ratio | 22.2163% | 1,274 |
| Total risk-based capital ratio | 23.4692% | 1,240 |
| Memoranda: | ||
| Average total assets | $226,874,000 | 2,906 |
| Average earning assets | $206,389,000 | 2,932 |
| Average equity | $34,012,500 | 2,003 |
| Average total loans | $172,892,000 | 2,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9566% | 1,246 |
| Cost of funding earning assets | 2.5685% | 3,859 |
| Net interest margin | 4.3881% | 1,721 |
| Noninterest income to average assets | 0.4354% | 5,166 |
| Noninterest expense to average assets | 2.7681% | 4,964 |
| Loan and lease loss provision to assets | 0.8576% | 1,740 |
| Net operating income to assets | 0.9177% | 2,931 |
| Return on assets (ROA) | 0.5397% | 4,422 |
| Pretax return on assets | 0.4774% | 5,045 |
| Return on Equity (ROE) | 3.4705% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.2819% | 4,447 |
| Net charge-offs to loans | 0.1240% | 4,998 |
| Credit loss provision to net charge-offs | 906.5421% | 492 |
| Earnings coverage of net charge-offs (x) | 18.1075% | 1,725 |
| Efficiency ratio | 61.6553% | 6,018 |
| Assets per employee ($millions) | 2.8130% | 6,527 |
| Cash dividends to net income (ytd only)* | 63.0631% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 1,287 |
| Loan loss allowance to noncurrent loans | 148.4705% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,003 |
| Noncurrent loans to loans | 1.3258% | 3,862 |
| Net loans and leases to total assets | 76.2614% | 2,552 |
| Net loans and leases to deposits | 90.8326% | 3,313 |
| Net loans and leases to core deposits | 132.5822% | 1,685 |
| Total domestic deposits to total assets | 83.9582% | 3,342 |
| Equity capital to assets | 14.9265% | 1,181 |
| Core capital (leverage) ratio | 15.0939% | 1,007 |
| Tier 1 risk-based capital ratio | 20.0428% | 1,615 |
| Total risk-based capital ratio | 21.3027% | 1,575 |
| Memoranda: | ||
| Average total assets | $226,216,800 | 2,816 |
| Average earning assets | $208,563,600 | 2,792 |
| Average equity | $35,182,200 | 1,920 |
| Average total loans | $172,640,400 | 2,582 |