Home > Resource Bank > Performance and Condition Ratios
Resource Bank, Performance and Condition Ratios
| 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 | 4.5435% | 2,544 |
| Cost of funding earning assets | 1.1907% | 2,022 |
| Net interest margin | 3.3527% | 2,635 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.4136% | 2,437 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8541% | 2,907 |
| Return on assets (ROA) | 0.8541% | 2,910 |
| Pretax return on assets | 0.9401% | 3,071 |
| Return on Equity (ROE) | 8.8500% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.2444% | 2,879 |
| Net charge-offs to loans | -0.0006% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.5513% | 1,715 |
| Assets per employee ($millions) | 6.4307% | 2,353 |
| Cash dividends to net income (ytd only)* | 40.7576% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6168% | 4,283 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,155 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.5200% | 1,582 |
| Net loans and leases to deposits | 89.5304% | 1,222 |
| Net loans and leases to core deposits | 107.0404% | 946 |
| Total domestic deposits to total assets | 79.8800% | 3,597 |
| Equity capital to assets | 9.5856% | 2,099 |
| Core capital (leverage) ratio | 10.8080% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $976,702,000 | 997 |
| Average earning assets | $928,500,333 | 963 |
| Average equity | $94,233,333 | 983 |
| Average total loans | $687,735,667 | 957 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,662 |
| Cost of funding earning assets | 1.0850% | 1,791 |
| Net interest margin | 3.2698% | 2,951 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4389% | 2,403 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9103% | 2,818 |
| Return on assets (ROA) | 0.9103% | 2,777 |
| Pretax return on assets | 0.8499% | 3,349 |
| Return on Equity (ROE) | 9.4000% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.7706% | 2,829 |
| Net charge-offs to loans | -0.0006% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.8464% | 1,455 |
| Assets per employee ($millions) | 6.2772% | 2,523 |
| Cash dividends to net income (ytd only)* | 38.6364% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6214% | 4,335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,112 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.3900% | 1,683 |
| Net loans and leases to deposits | 85.3763% | 1,398 |
| Net loans and leases to core deposits | 100.6355% | 1,063 |
| Total domestic deposits to total assets | 81.2800% | 3,595 |
| Equity capital to assets | 9.7376% | 1,972 |
| Core capital (leverage) ratio | 10.8269% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $966,677,500 | 1,022 |
| Average earning assets | $921,659,000 | 984 |
| Average equity | $93,577,500 | 999 |
| Average total loans | $672,955,000 | 994 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9419% | 1,882 |
| Cost of funding earning assets | 0.2375% | 3,437 |
| Net interest margin | 3.7044% | 1,364 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.3903% | 2,452 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0751% | 2,283 |
| Return on assets (ROA) | 1.0751% | 2,222 |
| Pretax return on assets | 1.3424% | 1,949 |
| Return on Equity (ROE) | 11.3900% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.7715% | 1,544 |
| Net charge-offs to loans | -0.0006% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5531% | 2,559 |
| Assets per employee ($millions) | 6.2360% | 2,563 |
| Cash dividends to net income (ytd only)* | 23.0128% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6773% | 4,239 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,904 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.9300% | 1,740 |
| Net loans and leases to deposits | 83.3556% | 1,512 |
| Net loans and leases to core deposits | 87.9891% | 1,609 |
| Total domestic deposits to total assets | 82.6900% | 3,491 |
| Equity capital to assets | 9.6216% | 1,925 |
| Core capital (leverage) ratio | 10.8097% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $970,070,800 | 1,007 |
| Average earning assets | $926,439,600 | 974 |
| Average equity | $91,535,400 | 1,018 |
| Average total loans | $650,876,000 | 965 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 1,635 |
| Cost of funding earning assets | 0.1616% | 3,720 |
| Net interest margin | 3.6785% | 1,191 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.3902% | 2,371 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0652% | 2,230 |
| Return on assets (ROA) | 1.0652% | 2,189 |
| Pretax return on assets | 1.3160% | 1,993 |
| Return on Equity (ROE) | 11.3400% | 2,255 |
| Retained earnings to average equity (ytd only) | 8.8654% | 1,696 |
| Net charge-offs to loans | -0.0033% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.8231% | 2,572 |
| Assets per employee ($millions) | 6.3068% | 2,487 |
| Cash dividends to net income (ytd only)* | 21.8453% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 4,276 |
| Loan loss allowance to noncurrent loans | 2,346.3542% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,030 |
| Noncurrent loans to loans | 0.0292% | 3,687 |
| Net loans and leases to total assets | 68.5100% | 1,617 |
| Net loans and leases to deposits | 79.4324% | 1,609 |
| Net loans and leases to core deposits | 82.0380% | 1,765 |
| Total domestic deposits to total assets | 86.2500% | 3,004 |
| Equity capital to assets | 9.1953% | 2,089 |
| Core capital (leverage) ratio | 10.6191% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $974,061,750 | 1,009 |
| Average earning assets | $930,676,250 | 975 |
| Average equity | $91,469,250 | 1,029 |
| Average total loans | $648,055,250 | 968 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 1,449 |
| Cost of funding earning assets | 0.1547% | 3,516 |
| Net interest margin | 3.5832% | 1,097 |
| Noninterest income to average assets | 0.2091% | 3,947 |
| Noninterest expense to average assets | 2.3340% | 2,447 |
| Loan and lease loss provision to assets | 0.0338% | 1,973 |
| Net operating income to assets | 1.0506% | 1,972 |
| Return on assets (ROA) | 1.0506% | 1,942 |
| Pretax return on assets | 1.2693% | 1,843 |
| Return on Equity (ROE) | 11.1136% | 1,944 |
| Retained earnings to average equity (ytd only) | 8.6343% | 1,390 |
| Net charge-offs to loans | -0.0047% | 3,312 |
| Credit loss provision to net charge-offs | -1,106.6667% | 3,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1712% | 2,749 |
| Assets per employee ($millions) | 6.5626% | 2,267 |
| Cash dividends to net income (ytd only)* | 22.3084% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 4,374 |
| Loan loss allowance to noncurrent loans | 2,284.8958% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 2,864 |
| Noncurrent loans to loans | 0.0296% | 3,734 |
| Net loans and leases to total assets | 65.9748% | 1,697 |
| Net loans and leases to deposits | 74.6655% | 1,790 |
| Net loans and leases to core deposits | 76.9336% | 1,926 |
| Total domestic deposits to total assets | 88.3605% | 2,439 |
| Equity capital to assets | 9.2692% | 2,189 |
| Core capital (leverage) ratio | 10.2365% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $981,308,333 | 992 |
| Average earning assets | $938,825,333 | 972 |
| Average equity | $92,769,333 | 1,021 |
| Average total loans | $645,098,000 | 965 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 1,393 |
| Cost of funding earning assets | 0.1559% | 3,422 |
| Net interest margin | 3.4893% | 1,110 |
| Noninterest income to average assets | 0.2104% | 3,902 |
| Noninterest expense to average assets | 2.3152% | 2,444 |
| Loan and lease loss provision to assets | 0.0517% | 1,453 |
| Net operating income to assets | 1.0526% | 1,680 |
| Return on assets (ROA) | 1.0526% | 1,670 |
| Pretax return on assets | 1.1853% | 1,857 |
| Return on Equity (ROE) | 11.0278% | 1,613 |
| Retained earnings to average equity (ytd only) | 7.1913% | 1,834 |
| Net charge-offs to loans | -0.0006% | 2,986 |
| Credit loss provision to net charge-offs | -12,700.0000% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1775% | 2,884 |
| Assets per employee ($millions) | 6.5685% | 2,328 |
| Cash dividends to net income (ytd only)* | 34.7893% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 4,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 3,066 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.9614% | 1,416 |
| Net loans and leases to deposits | 74.6739% | 1,545 |
| Net loans and leases to core deposits | 77.1668% | 1,687 |
| Total domestic deposits to total assets | 88.3327% | 2,375 |
| Equity capital to assets | 9.3592% | 2,398 |
| Core capital (leverage) ratio | 10.0097% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $983,048,000 | 993 |
| Average earning assets | $941,500,000 | 970 |
| Average equity | $93,835,500 | 1,042 |
| Average total loans | $642,893,000 | 954 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 2,103 |
| Cost of funding earning assets | 0.2154% | 3,312 |
| Net interest margin | 3.4882% | 1,774 |
| Noninterest income to average assets | 0.1846% | 4,231 |
| Noninterest expense to average assets | 2.3275% | 2,719 |
| Loan and lease loss provision to assets | 0.0043% | 2,988 |
| Net operating income to assets | 0.9669% | 2,810 |
| Return on assets (ROA) | 0.9669% | 2,872 |
| Pretax return on assets | 1.1994% | 2,665 |
| Return on Equity (ROE) | 9.3803% | 2,764 |
| Retained earnings to average equity (ytd only) | -0.6297% | 4,559 |
| Net charge-offs to loans | -0.0035% | 3,463 |
| Credit loss provision to net charge-offs | -186.3636% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9124% | 2,271 |
| Assets per employee ($millions) | 6.3310% | 2,462 |
| Cash dividends to net income (ytd only)* | 106.7126% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,487 |
| Loan loss allowance to noncurrent loans | 251.0448% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 2,103 |
| Noncurrent loans to loans | 0.2616% | 2,672 |
| Net loans and leases to total assets | 63.9879% | 1,702 |
| Net loans and leases to deposits | 72.6244% | 1,852 |
| Net loans and leases to core deposits | 76.9819% | 1,843 |
| Total domestic deposits to total assets | 88.1080% | 1,986 |
| Equity capital to assets | 9.7274% | 2,915 |
| Core capital (leverage) ratio | 9.8065% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $959,869,000 | 987 |
| Average earning assets | $920,899,800 | 965 |
| Average equity | $98,941,600 | 1,020 |
| Average total loans | $635,194,600 | 956 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 2,178 |
| Cost of funding earning assets | 0.2315% | 3,315 |
| Net interest margin | 3.5068% | 1,848 |
| Noninterest income to average assets | 0.1826% | 4,282 |
| Noninterest expense to average assets | 2.3810% | 2,498 |
| Loan and lease loss provision to assets | -0.0122% | 4,326 |
| Net operating income to assets | 0.9604% | 3,044 |
| Return on assets (ROA) | 0.9604% | 3,129 |
| Pretax return on assets | 1.1749% | 3,007 |
| Return on Equity (ROE) | 9.1825% | 3,048 |
| Retained earnings to average equity (ytd only) | -3.1167% | 4,752 |
| Net charge-offs to loans | -0.0044% | 3,396 |
| Credit loss provision to net charge-offs | 414.2857% | 845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1900% | 1,941 |
| Assets per employee ($millions) | 5.9964% | 2,701 |
| Cash dividends to net income (ytd only)* | 133.9413% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 4,580 |
| Loan loss allowance to noncurrent loans | 689.6785% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,027 |
| Noncurrent loans to loans | 0.0933% | 3,611 |
| Net loans and leases to total assets | 65.1731% | 1,638 |
| Net loans and leases to deposits | 74.5093% | 1,809 |
| Net loans and leases to core deposits | 79.3824% | 1,788 |
| Total domestic deposits to total assets | 87.4697% | 2,121 |
| Equity capital to assets | 9.9613% | 2,940 |
| Core capital (leverage) ratio | 9.9428% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $951,345,500 | 1,012 |
| Average earning assets | $911,794,000 | 989 |
| Average equity | $99,505,250 | 1,030 |
| Average total loans | $633,938,000 | 974 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 2,203 |
| Cost of funding earning assets | 0.2522% | 3,262 |
| Net interest margin | 3.4979% | 1,862 |
| Noninterest income to average assets | 0.1808% | 4,298 |
| Noninterest expense to average assets | 2.3781% | 2,535 |
| Loan and lease loss provision to assets | -0.0281% | 4,464 |
| Net operating income to assets | 0.9911% | 2,920 |
| Return on assets (ROA) | 0.9911% | 3,005 |
| Pretax return on assets | 1.1827% | 2,960 |
| Return on Equity (ROE) | 9.3244% | 3,005 |
| Retained earnings to average equity (ytd only) | 6.4422% | 2,644 |
| Net charge-offs to loans | 0.0006% | 2,225 |
| Credit loss provision to net charge-offs | -6,650.0000% | 4,015 |
| Earnings coverage of net charge-offs (x) | 2,732.5000% | 29 |
| Efficiency ratio | 67.3165% | 1,965 |
| Assets per employee ($millions) | 5.9793% | 2,635 |
| Cash dividends to net income (ytd only)* | 30.9103% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6310% | 4,624 |
| Loan loss allowance to noncurrent loans | 1,085.9079% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 3,189 |
| Noncurrent loans to loans | 0.0581% | 3,890 |
| Net loans and leases to total assets | 65.1446% | 1,804 |
| Net loans and leases to deposits | 74.8148% | 1,923 |
| Net loans and leases to core deposits | 79.8854% | 1,897 |
| Total domestic deposits to total assets | 87.0745% | 2,275 |
| Equity capital to assets | 10.5267% | 2,373 |
| Core capital (leverage) ratio | 10.5123% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $946,653,000 | 1,008 |
| Average earning assets | $907,105,667 | 986 |
| Average equity | $100,617,333 | 1,020 |
| Average total loans | $634,160,000 | 974 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7512% | 2,242 |
| Cost of funding earning assets | 0.2784% | 3,201 |
| Net interest margin | 3.4728% | 1,903 |
| Noninterest income to average assets | 0.1723% | 4,333 |
| Noninterest expense to average assets | 2.3560% | 2,634 |
| Loan and lease loss provision to assets | -0.0351% | 4,624 |
| Net operating income to assets | 1.0636% | 2,596 |
| Return on assets (ROA) | 1.0636% | 2,675 |
| Pretax return on assets | 1.1791% | 2,904 |
| Return on Equity (ROE) | 9.9577% | 2,696 |
| Retained earnings to average equity (ytd only) | 7.6564% | 2,360 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3140% | 2,026 |
| Assets per employee ($millions) | 5.9831% | 2,615 |
| Cash dividends to net income (ytd only)* | 23.1109% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 4,642 |
| Loan loss allowance to noncurrent loans | 685.9797% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 3,215 |
| Noncurrent loans to loans | 0.0933% | 3,838 |
| Net loans and leases to total assets | 67.5170% | 1,592 |
| Net loans and leases to deposits | 77.8153% | 1,740 |
| Net loans and leases to core deposits | 83.9477% | 1,686 |
| Total domestic deposits to total assets | 86.7657% | 2,416 |
| Equity capital to assets | 10.7897% | 2,015 |
| Core capital (leverage) ratio | 10.7811% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $935,658,500 | 1,006 |
| Average earning assets | $896,570,000 | 983 |
| Average equity | $99,943,000 | 1,017 |
| Average total loans | $633,727,500 | 971 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 1,323 |
| Cost of funding earning assets | 0.4724% | 3,134 |
| Net interest margin | 4.0226% | 931 |
| Noninterest income to average assets | 0.1838% | 4,370 |
| Noninterest expense to average assets | 2.5843% | 2,606 |
| Loan and lease loss provision to assets | -0.0159% | 4,910 |
| Net operating income to assets | 1.1669% | 1,657 |
| Return on assets (ROA) | 1.1669% | 1,775 |
| Pretax return on assets | 1.4607% | 1,467 |
| Return on Equity (ROE) | 10.3980% | 1,848 |
| Retained earnings to average equity (ytd only) | 6.9100% | 1,424 |
| Net charge-offs to loans | 0.0008% | 3,405 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | 2,460.6000% | 38 |
| Efficiency ratio | 64.1396% | 2,801 |
| Assets per employee ($millions) | 5.9364% | 2,397 |
| Cash dividends to net income (ytd only)* | 33.5447% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6543% | 4,655 |
| Loan loss allowance to noncurrent loans | 527.7707% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,076 |
| Noncurrent loans to loans | 0.1240% | 3,787 |
| Net loans and leases to total assets | 67.0686% | 1,942 |
| Net loans and leases to deposits | 77.0669% | 2,167 |
| Net loans and leases to core deposits | 84.8266% | 1,960 |
| Total domestic deposits to total assets | 87.0265% | 1,933 |
| Equity capital to assets | 10.5739% | 2,607 |
| Core capital (leverage) ratio | 10.8600% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $851,491,600 | 1,008 |
| Average earning assets | $813,972,000 | 986 |
| Average equity | $95,556,600 | 998 |
| Average total loans | $651,107,000 | 915 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,097 |
| Cost of funding earning assets | 0.5126% | 3,150 |
| Net interest margin | 4.1709% | 778 |
| Noninterest income to average assets | 0.1922% | 4,323 |
| Noninterest expense to average assets | 2.6781% | 2,315 |
| Loan and lease loss provision to assets | 0.0010% | 4,233 |
| Net operating income to assets | 1.2035% | 1,623 |
| Return on assets (ROA) | 1.2035% | 1,750 |
| Pretax return on assets | 1.4927% | 1,464 |
| Return on Equity (ROE) | 10.5522% | 1,828 |
| Retained earnings to average equity (ytd only) | 6.9841% | 1,698 |
| Net charge-offs to loans | 0.0010% | 3,196 |
| Credit loss provision to net charge-offs | 120.0000% | 2,496 |
| Earnings coverage of net charge-offs (x) | 1,859.4000% | 59 |
| Efficiency ratio | 64.1955% | 2,704 |
| Assets per employee ($millions) | 5.6194% | 2,613 |
| Cash dividends to net income (ytd only)* | 33.8139% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 4,632 |
| Loan loss allowance to noncurrent loans | 542.1519% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 3,163 |
| Noncurrent loans to loans | 0.1226% | 3,895 |
| Net loans and leases to total assets | 72.0787% | 1,653 |
| Net loans and leases to deposits | 83.6027% | 1,949 |
| Net loans and leases to core deposits | 92.7694% | 1,730 |
| Total domestic deposits to total assets | 86.2156% | 1,976 |
| Equity capital to assets | 10.9911% | 2,405 |
| Core capital (leverage) ratio | 10.8728% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $829,877,250 | 1,014 |
| Average earning assets | $791,810,000 | 997 |
| Average equity | $94,651,250 | 996 |
| Average total loans | $655,580,750 | 913 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,082 |
| Cost of funding earning assets | 0.5584% | 3,189 |
| Net interest margin | 4.2787% | 789 |
| Noninterest income to average assets | 0.1831% | 4,364 |
| Noninterest expense to average assets | 2.7337% | 2,281 |
| Loan and lease loss provision to assets | 0.0449% | 3,729 |
| Net operating income to assets | 1.2214% | 1,580 |
| Return on assets (ROA) | 1.2214% | 1,703 |
| Pretax return on assets | 1.4825% | 1,496 |
| Return on Equity (ROE) | 10.5687% | 1,787 |
| Retained earnings to average equity (ytd only) | 7.0992% | 1,619 |
| Net charge-offs to loans | 0.0021% | 2,939 |
| Credit loss provision to net charge-offs | 2,600.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 884.2857% | 104 |
| Efficiency ratio | 64.1554% | 2,804 |
| Assets per employee ($millions) | 5.5927% | 2,552 |
| Cash dividends to net income (ytd only)* | 32.8283% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 4,633 |
| Loan loss allowance to noncurrent loans | 714.2628% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 3,294 |
| Noncurrent loans to loans | 0.0938% | 4,089 |
| Net loans and leases to total assets | 73.8517% | 1,432 |
| Net loans and leases to deposits | 85.3091% | 1,846 |
| Net loans and leases to core deposits | 94.8416% | 1,677 |
| Total domestic deposits to total assets | 86.5696% | 1,782 |
| Equity capital to assets | 10.6943% | 2,579 |
| Core capital (leverage) ratio | 11.2963% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $810,546,667 | 1,019 |
| Average earning assets | $772,518,667 | 998 |
| Average equity | $93,672,667 | 1,000 |
| Average total loans | $659,358,667 | 896 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 752 |
| Cost of funding earning assets | 0.6474% | 3,183 |
| Net interest margin | 4.4860% | 519 |
| Noninterest income to average assets | 0.2009% | 4,350 |
| Noninterest expense to average assets | 2.9089% | 2,096 |
| Loan and lease loss provision to assets | 0.1057% | 2,365 |
| Net operating income to assets | 1.2873% | 1,276 |
| Return on assets (ROA) | 1.2873% | 1,367 |
| Pretax return on assets | 1.4607% | 1,410 |
| Return on Equity (ROE) | 10.6755% | 1,507 |
| Retained earnings to average equity (ytd only) | 7.1141% | 1,496 |
| Net charge-offs to loans | 0.0043% | 2,421 |
| Credit loss provision to net charge-offs | 2,900.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 429.8571% | 154 |
| Efficiency ratio | 64.9994% | 3,088 |
| Assets per employee ($millions) | 4.8127% | 2,861 |
| Cash dividends to net income (ytd only)* | 33.3603% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 4,656 |
| Loan loss allowance to noncurrent loans | 441.1823% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 3,363 |
| Noncurrent loans to loans | 0.1521% | 3,914 |
| Net loans and leases to total assets | 84.5165% | 232 |
| Net loans and leases to deposits | 99.1750% | 612 |
| Net loans and leases to core deposits | 112.1351% | 748 |
| Total domestic deposits to total assets | 85.2195% | 2,322 |
| Equity capital to assets | 11.9085% | 2,136 |
| Core capital (leverage) ratio | 12.0683% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $768,406,000 | 1,033 |
| Average earning assets | $732,151,000 | 1,006 |
| Average equity | $92,661,000 | 1,004 |
| Average total loans | $656,386,500 | 878 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 980 |
| Cost of funding earning assets | 0.7491% | 2,926 |
| Net interest margin | 4.4569% | 784 |
| Noninterest income to average assets | 0.1934% | 4,503 |
| Noninterest expense to average assets | 2.8259% | 2,512 |
| Loan and lease loss provision to assets | 0.0204% | 3,614 |
| Net operating income to assets | 1.2455% | 1,885 |
| Return on assets (ROA) | 1.2452% | 1,967 |
| Pretax return on assets | 1.5643% | 1,605 |
| Return on Equity (ROE) | 10.6386% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.1267% | 937 |
| Net charge-offs to loans | -0.0013% | 4,188 |
| Credit loss provision to net charge-offs | -1,925.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0652% | 3,066 |
| Assets per employee ($millions) | 4.3238% | 3,474 |
| Cash dividends to net income (ytd only)* | 23.6118% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 4,628 |
| Loan loss allowance to noncurrent loans | 1,106.4599% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 3,660 |
| Noncurrent loans to loans | 0.0600% | 4,303 |
| Net loans and leases to total assets | 85.2015% | 226 |
| Net loans and leases to deposits | 100.3937% | 580 |
| Net loans and leases to core deposits | 110.5768% | 822 |
| Total domestic deposits to total assets | 84.8673% | 2,548 |
| Equity capital to assets | 12.2156% | 2,003 |
| Core capital (leverage) ratio | 12.1021% | 1,717 |
| Tier 1 risk-based capital ratio | 14.0995% | 3,216 |
| Total risk-based capital ratio | 14.7640% | 3,413 |
| Memoranda: | ||
| Average total assets | $756,418,800 | 1,022 |
| Average earning assets | $715,816,800 | 995 |
| Average equity | $88,535,800 | 996 |
| Average total loans | $637,021,000 | 870 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 1,032 |
| Cost of funding earning assets | 0.7762% | 2,836 |
| Net interest margin | 4.4283% | 888 |
| Noninterest income to average assets | 0.1940% | 4,558 |
| Noninterest expense to average assets | 2.8247% | 2,499 |
| Loan and lease loss provision to assets | -0.0023% | 5,030 |
| Net operating income to assets | 1.2495% | 2,019 |
| Return on assets (ROA) | 1.2491% | 2,098 |
| Pretax return on assets | 1.5545% | 1,798 |
| Return on Equity (ROE) | 10.7888% | 2,102 |
| Retained earnings to average equity (ytd only) | 8.2421% | 1,301 |
| Net charge-offs to loans | -0.0015% | 4,029 |
| Credit loss provision to net charge-offs | 185.7143% | 1,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5287% | 2,933 |
| Assets per employee ($millions) | 4.6518% | 2,966 |
| Cash dividends to net income (ytd only)* | 23.6049% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,725 |
| Loan loss allowance to noncurrent loans | 941.4188% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 3,622 |
| Noncurrent loans to loans | 0.0693% | 4,326 |
| Net loans and leases to total assets | 82.6613% | 498 |
| Net loans and leases to deposits | 97.3648% | 887 |
| Net loans and leases to core deposits | 108.6988% | 1,008 |
| Total domestic deposits to total assets | 84.8986% | 2,457 |
| Equity capital to assets | 11.9024% | 2,322 |
| Core capital (leverage) ratio | 11.9567% | 1,878 |
| Tier 1 risk-based capital ratio | 14.2276% | 3,207 |
| Total risk-based capital ratio | 14.8809% | 3,416 |
| Memoranda: | ||
| Average total assets | $757,438,750 | 1,020 |
| Average earning assets | $715,560,750 | 995 |
| Average equity | $87,694,000 | 1,002 |
| Average total loans | $634,954,750 | 872 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 1,021 |
| Cost of funding earning assets | 0.7952% | 2,667 |
| Net interest margin | 4.3837% | 969 |
| Noninterest income to average assets | 0.1949% | 4,587 |
| Noninterest expense to average assets | 2.7711% | 2,686 |
| Loan and lease loss provision to assets | 0.0100% | 3,546 |
| Net operating income to assets | 1.2691% | 1,882 |
| Return on assets (ROA) | 1.2684% | 1,951 |
| Pretax return on assets | 1.5500% | 1,699 |
| Return on Equity (ROE) | 11.0592% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.6986% | 1,128 |
| Net charge-offs to loans | -0.0016% | 3,925 |
| Credit loss provision to net charge-offs | -760.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9695% | 3,138 |
| Assets per employee ($millions) | 4.7701% | 2,783 |
| Cash dividends to net income (ytd only)* | 21.3453% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 4,790 |
| Loan loss allowance to noncurrent loans | 814.6771% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 3,792 |
| Noncurrent loans to loans | 0.0805% | 4,319 |
| Net loans and leases to total assets | 82.6595% | 520 |
| Net loans and leases to deposits | 99.2536% | 734 |
| Net loans and leases to core deposits | 110.4886% | 949 |
| Total domestic deposits to total assets | 83.2811% | 3,123 |
| Equity capital to assets | 11.6027% | 2,520 |
| Core capital (leverage) ratio | 11.8601% | 1,908 |
| Tier 1 risk-based capital ratio | 13.7893% | 3,430 |
| Total risk-based capital ratio | 14.4419% | 3,647 |
| Memoranda: | ||
| Average total assets | $757,169,000 | 1,021 |
| Average earning assets | $714,558,330 | 999 |
| Average equity | $86,842,000 | 1,003 |
| Average total loans | $636,309,000 | 872 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 1,028 |
| Cost of funding earning assets | 0.8254% | 2,396 |
| Net interest margin | 4.3112% | 1,073 |
| Noninterest income to average assets | 0.1899% | 4,615 |
| Noninterest expense to average assets | 2.6950% | 2,920 |
| Loan and lease loss provision to assets | 0.0355% | 2,914 |
| Net operating income to assets | 1.3321% | 1,590 |
| Return on assets (ROA) | 1.3308% | 1,631 |
| Pretax return on assets | 1.5413% | 1,634 |
| Return on Equity (ROE) | 11.6716% | 1,665 |
| Retained earnings to average equity (ytd only) | 8.9456% | 1,340 |
| Net charge-offs to loans | -0.0019% | 3,850 |
| Credit loss provision to net charge-offs | -2,233.3333% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0632% | 3,376 |
| Assets per employee ($millions) | 4.8211% | 2,763 |
| Cash dividends to net income (ytd only)* | 23.3559% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 4,843 |
| Loan loss allowance to noncurrent loans | 370.4686% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,494 |
| Noncurrent loans to loans | 0.1773% | 3,960 |
| Net loans and leases to total assets | 83.2159% | 440 |
| Net loans and leases to deposits | 102.4436% | 473 |
| Net loans and leases to core deposits | 112.8415% | 793 |
| Total domestic deposits to total assets | 81.2310% | 3,923 |
| Equity capital to assets | 11.3270% | 2,541 |
| Core capital (leverage) ratio | 11.5801% | 2,077 |
| Tier 1 risk-based capital ratio | 13.2624% | 3,732 |
| Total risk-based capital ratio | 13.9078% | 3,951 |
| Memoranda: | ||
| Average total assets | $754,147,000 | 1,026 |
| Average earning assets | $714,333,500 | 1,003 |
| Average equity | $85,986,500 | 1,004 |
| Average total loans | $636,948,000 | 874 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 839 |
| Cost of funding earning assets | 0.6390% | 2,468 |
| Net interest margin | 4.4651% | 819 |
| Noninterest income to average assets | 0.2111% | 4,646 |
| Noninterest expense to average assets | 2.8269% | 2,592 |
| Loan and lease loss provision to assets | 0.0353% | 3,493 |
| Net operating income to assets | 1.2888% | 1,853 |
| Return on assets (ROA) | 1.2832% | 1,860 |
| Pretax return on assets | 1.5738% | 1,542 |
| Return on Equity (ROE) | 11.3549% | 1,957 |
| Retained earnings to average equity (ytd only) | 9.5018% | 736 |
| Net charge-offs to loans | 0.0016% | 3,701 |
| Credit loss provision to net charge-offs | 2,550.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 1,168.2000% | 93 |
| Efficiency ratio | 63.6290% | 3,239 |
| Assets per employee ($millions) | 4.6660% | 2,931 |
| Cash dividends to net income (ytd only)* | 16.3199% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 4,898 |
| Loan loss allowance to noncurrent loans | 506.7651% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 3,610 |
| Noncurrent loans to loans | 0.1279% | 4,160 |
| Net loans and leases to total assets | 84.6150% | 358 |
| Net loans and leases to deposits | 109.2446% | 269 |
| Net loans and leases to core deposits | 115.8430% | 693 |
| Total domestic deposits to total assets | 77.4546% | 4,568 |
| Equity capital to assets | 11.4782% | 2,266 |
| Core capital (leverage) ratio | 11.6558% | 1,986 |
| Tier 1 risk-based capital ratio | 13.4082% | 3,600 |
| Total risk-based capital ratio | 14.0507% | 3,844 |
| Memoranda: | ||
| Average total assets | $722,958,200 | 1,027 |
| Average earning assets | $685,156,000 | 1,006 |
| Average equity | $81,700,400 | 1,008 |
| Average total loans | $616,294,600 | 872 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 820 |
| Cost of funding earning assets | 0.6016% | 2,466 |
| Net interest margin | 4.4597% | 803 |
| Noninterest income to average assets | 0.2122% | 4,697 |
| Noninterest expense to average assets | 2.8363% | 2,510 |
| Loan and lease loss provision to assets | 0.0536% | 2,903 |
| Net operating income to assets | 1.2800% | 1,927 |
| Return on assets (ROA) | 1.2793% | 1,930 |
| Pretax return on assets | 1.5437% | 1,754 |
| Return on Equity (ROE) | 11.3666% | 2,032 |
| Retained earnings to average equity (ytd only) | 9.7144% | 998 |
| Net charge-offs to loans | 0.0048% | 3,272 |
| Credit loss provision to net charge-offs | 1,309.0909% | 312 |
| Earnings coverage of net charge-offs (x) | 390.7163% | 240 |
| Efficiency ratio | 63.9608% | 3,195 |
| Assets per employee ($millions) | 4.8649% | 2,644 |
| Cash dividends to net income (ytd only)* | 14.5349% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,969 |
| Loan loss allowance to noncurrent loans | 872.0000% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 3,923 |
| Noncurrent loans to loans | 0.0748% | 4,542 |
| Net loans and leases to total assets | 84.7822% | 377 |
| Net loans and leases to deposits | 107.0676% | 393 |
| Net loans and leases to core deposits | 111.0090% | 973 |
| Total domestic deposits to total assets | 79.1857% | 4,283 |
| Equity capital to assets | 11.2029% | 2,470 |
| Core capital (leverage) ratio | 11.5493% | 2,139 |
| Tier 1 risk-based capital ratio | 13.0207% | 3,894 |
| Total risk-based capital ratio | 13.6620% | 4,138 |
| Memoranda: | ||
| Average total assets | $717,056,250 | 1,035 |
| Average earning assets | $678,890,000 | 1,016 |
| Average equity | $80,702,500 | 1,017 |
| Average total loans | $611,411,500 | 874 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 819 |
| Cost of funding earning assets | 0.5763% | 2,387 |
| Net interest margin | 4.4251% | 805 |
| Noninterest income to average assets | 0.2065% | 4,777 |
| Noninterest expense to average assets | 2.8547% | 2,483 |
| Loan and lease loss provision to assets | 0.0619% | 2,666 |
| Net operating income to assets | 1.2722% | 1,888 |
| Return on assets (ROA) | 1.2710% | 1,895 |
| Pretax return on assets | 1.4775% | 1,901 |
| Return on Equity (ROE) | 11.2746% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.5203% | 1,065 |
| Net charge-offs to loans | 0.0086% | 2,820 |
| Credit loss provision to net charge-offs | 842.3077% | 474 |
| Earnings coverage of net charge-offs (x) | 209.7692% | 408 |
| Efficiency ratio | 64.9463% | 3,166 |
| Assets per employee ($millions) | 4.8279% | 2,648 |
| Cash dividends to net income (ytd only)* | 15.5590% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 5,026 |
| Loan loss allowance to noncurrent loans | 843.9834% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 3,965 |
| Noncurrent loans to loans | 0.0773% | 4,569 |
| Net loans and leases to total assets | 84.4323% | 416 |
| Net loans and leases to deposits | 105.9641% | 435 |
| Net loans and leases to core deposits | 110.2247% | 984 |
| Total domestic deposits to total assets | 79.6801% | 4,311 |
| Equity capital to assets | 11.1004% | 2,541 |
| Core capital (leverage) ratio | 11.5851% | 1,997 |
| Tier 1 risk-based capital ratio | 12.4594% | 4,211 |
| Total risk-based capital ratio | 13.0774% | 4,488 |
| Memoranda: | ||
| Average total assets | $707,967,000 | 1,051 |
| Average earning assets | $670,180,330 | 1,037 |
| Average equity | $79,808,000 | 1,025 |
| Average total loans | $603,483,330 | 881 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9626% | 757 |
| Cost of funding earning assets | 0.5535% | 2,374 |
| Net interest margin | 4.4091% | 754 |
| Noninterest income to average assets | 0.1997% | 4,830 |
| Noninterest expense to average assets | 2.8344% | 2,589 |
| Loan and lease loss provision to assets | 0.0495% | 2,790 |
| Net operating income to assets | 1.4116% | 1,314 |
| Return on assets (ROA) | 1.4089% | 1,329 |
| Pretax return on assets | 1.4894% | 1,705 |
| Return on Equity (ROE) | 12.3978% | 1,440 |
| Retained earnings to average equity (ytd only) | 11.3849% | 806 |
| Net charge-offs to loans | 0.0013% | 2,689 |
| Credit loss provision to net charge-offs | 4,300.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 1,339.5000% | 44 |
| Efficiency ratio | 64.7685% | 3,360 |
| Assets per employee ($millions) | 4.6492% | 2,931 |
| Cash dividends to net income (ytd only)* | 8.1699% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 5,098 |
| Loan loss allowance to noncurrent loans | 360.8933% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 3,563 |
| Noncurrent loans to loans | 0.1821% | 4,153 |
| Net loans and leases to total assets | 85.2441% | 320 |
| Net loans and leases to deposits | 105.5279% | 404 |
| Net loans and leases to core deposits | 110.4162% | 976 |
| Total domestic deposits to total assets | 80.7787% | 4,252 |
| Equity capital to assets | 11.3837% | 2,229 |
| Core capital (leverage) ratio | 11.6476% | 1,895 |
| Tier 1 risk-based capital ratio | 12.7814% | 4,068 |
| Total risk-based capital ratio | 13.4102% | 4,352 |
| Memoranda: | ||
| Average total assets | $695,027,500 | 1,077 |
| Average earning assets | $658,359,500 | 1,057 |
| Average equity | $78,982,000 | 1,043 |
| Average total loans | $593,389,500 | 904 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 665 |
| Cost of funding earning assets | 0.4293% | 2,963 |
| Net interest margin | 4.5562% | 548 |
| Noninterest income to average assets | 0.2036% | 4,924 |
| Noninterest expense to average assets | 2.8617% | 2,571 |
| Loan and lease loss provision to assets | 0.0255% | 3,788 |
| Net operating income to assets | 1.1145% | 1,810 |
| Return on assets (ROA) | 1.1145% | 1,836 |
| Pretax return on assets | 1.6290% | 1,220 |
| Return on Equity (ROE) | 9.8014% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.0402% | 500 |
| Net charge-offs to loans | -0.0086% | 4,751 |
| Credit loss provision to net charge-offs | -350.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3646% | 3,702 |
| Assets per employee ($millions) | 4.6804% | 2,898 |
| Cash dividends to net income (ytd only)* | 7.7667% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 5,133 |
| Loan loss allowance to noncurrent loans | 327.0042% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 3,227 |
| Noncurrent loans to loans | 0.2028% | 4,102 |
| Net loans and leases to total assets | 84.3728% | 410 |
| Net loans and leases to deposits | 108.7974% | 298 |
| Net loans and leases to core deposits | 113.9892% | 798 |
| Total domestic deposits to total assets | 77.5504% | 4,787 |
| Equity capital to assets | 11.3436% | 2,333 |
| Core capital (leverage) ratio | 11.5201% | 1,932 |
| Tier 1 risk-based capital ratio | 12.8076% | 4,031 |
| Total risk-based capital ratio | 13.4421% | 4,297 |
| Memoranda: | ||
| Average total assets | $658,483,000 | 1,104 |
| Average earning assets | $623,282,000 | 1,083 |
| Average equity | $74,876,800 | 1,070 |
| Average total loans | $558,569,800 | 925 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 658 |
| Cost of funding earning assets | 0.4158% | 3,034 |
| Net interest margin | 4.5496% | 538 |
| Noninterest income to average assets | 0.2162% | 4,926 |
| Noninterest expense to average assets | 2.8919% | 2,438 |
| Loan and lease loss provision to assets | 0.0322% | 3,479 |
| Net operating income to assets | 1.1146% | 2,023 |
| Return on assets (ROA) | 1.1146% | 2,084 |
| Pretax return on assets | 1.6036% | 1,408 |
| Return on Equity (ROE) | 9.7958% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.7700% | 924 |
| Net charge-offs to loans | -0.0022% | 4,328 |
| Credit loss provision to net charge-offs | -1,744.4444% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8716% | 3,570 |
| Assets per employee ($millions) | 4.6814% | 2,859 |
| Cash dividends to net income (ytd only)* | 10.4722% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6621% | 5,220 |
| Loan loss allowance to noncurrent loans | 481.2579% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 3,024 |
| Noncurrent loans to loans | 0.1376% | 4,503 |
| Net loans and leases to total assets | 83.4153% | 497 |
| Net loans and leases to deposits | 105.0310% | 450 |
| Net loans and leases to core deposits | 109.9881% | 1,036 |
| Total domestic deposits to total assets | 79.4198% | 4,454 |
| Equity capital to assets | 11.1111% | 2,753 |
| Core capital (leverage) ratio | 11.3949% | 2,105 |
| Tier 1 risk-based capital ratio | 12.7977% | 4,140 |
| Total risk-based capital ratio | 13.4395% | 4,399 |
| Memoranda: | ||
| Average total assets | $651,097,250 | 1,124 |
| Average earning assets | $617,011,250 | 1,099 |
| Average equity | $74,084,250 | 1,084 |
| Average total loans | $552,116,750 | 934 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 598 |
| Cost of funding earning assets | 0.3995% | 3,079 |
| Net interest margin | 4.5605% | 505 |
| Noninterest income to average assets | 0.2101% | 4,996 |
| Noninterest expense to average assets | 2.9095% | 2,398 |
| Loan and lease loss provision to assets | 0.0323% | 3,352 |
| Net operating income to assets | 1.1426% | 1,815 |
| Return on assets (ROA) | 1.1426% | 1,866 |
| Pretax return on assets | 1.5934% | 1,366 |
| Return on Equity (ROE) | 9.9575% | 2,058 |
| Retained earnings to average equity (ytd only) | 9.9575% | 597 |
| Net charge-offs to loans | -0.0026% | 4,206 |
| Credit loss provision to net charge-offs | -1,471.4286% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1535% | 3,643 |
| Assets per employee ($millions) | 4.5200% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6712% | 5,263 |
| Loan loss allowance to noncurrent loans | 215.2484% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 3,350 |
| Noncurrent loans to loans | 0.3118% | 3,924 |
| Net loans and leases to total assets | 83.9476% | 451 |
| Net loans and leases to deposits | 102.9564% | 551 |
| Net loans and leases to core deposits | 107.4761% | 1,130 |
| Total domestic deposits to total assets | 81.5370% | 4,033 |
| Equity capital to assets | 11.3288% | 2,468 |
| Core capital (leverage) ratio | 11.4924% | 1,973 |
| Tier 1 risk-based capital ratio | 12.8061% | 4,116 |
| Total risk-based capital ratio | 13.4491% | 4,377 |
| Memoranda: | ||
| Average total assets | $638,743,000 | 1,146 |
| Average earning assets | $605,760,670 | 1,118 |
| Average equity | $73,291,670 | 1,090 |
| Average total loans | $543,536,670 | 949 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 591 |
| Cost of funding earning assets | 0.3824% | 3,181 |
| Net interest margin | 4.5459% | 484 |
| Noninterest income to average assets | 0.2077% | 5,027 |
| Noninterest expense to average assets | 2.9520% | 2,294 |
| Loan and lease loss provision to assets | 0.0179% | 3,339 |
| Net operating income to assets | 1.2194% | 1,465 |
| Return on assets (ROA) | 1.2194% | 1,500 |
| Pretax return on assets | 1.5536% | 1,368 |
| Return on Equity (ROE) | 10.5559% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.5559% | 683 |
| Net charge-offs to loans | -0.0015% | 3,984 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2585% | 3,623 |
| Assets per employee ($millions) | 4.4623% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 5,332 |
| Loan loss allowance to noncurrent loans | 650.6173% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,106 |
| Noncurrent loans to loans | 0.1057% | 4,764 |
| Net loans and leases to total assets | 84.1054% | 357 |
| Net loans and leases to deposits | 99.9842% | 615 |
| Net loans and leases to core deposits | 104.3480% | 1,204 |
| Total domestic deposits to total assets | 84.1186% | 3,435 |
| Equity capital to assets | 11.5753% | 2,133 |
| Core capital (leverage) ratio | 11.7726% | 1,771 |
| Tier 1 risk-based capital ratio | 12.9105% | 4,138 |
| Total risk-based capital ratio | 13.5600% | 4,409 |
| Memoranda: | ||
| Average total assets | $625,891,000 | 1,164 |
| Average earning assets | $594,200,000 | 1,135 |
| Average equity | $72,300,500 | 1,104 |
| Average total loans | $534,527,000 | 959 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 637 |
| Cost of funding earning assets | 0.3571% | 3,443 |
| Net interest margin | 4.6086% | 503 |
| Noninterest income to average assets | 0.2355% | 5,005 |
| Noninterest expense to average assets | 2.9745% | 2,425 |
| Loan and lease loss provision to assets | 0.0398% | 3,586 |
| Net operating income to assets | 1.0726% | 2,026 |
| Return on assets (ROA) | 1.0726% | 2,127 |
| Pretax return on assets | 1.5790% | 1,344 |
| Return on Equity (ROE) | 9.5545% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.5545% | 487 |
| Net charge-offs to loans | 0.0010% | 4,253 |
| Credit loss provision to net charge-offs | 4,740.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 1,929.0000% | 26 |
| Efficiency ratio | 64.7581% | 3,808 |
| Assets per employee ($millions) | 4.1486% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 5,381 |
| Loan loss allowance to noncurrent loans | 432.5059% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 3,672 |
| Noncurrent loans to loans | 0.1589% | 4,601 |
| Net loans and leases to total assets | 85.5436% | 263 |
| Net loans and leases to deposits | 102.8541% | 478 |
| Net loans and leases to core deposits | 107.4933% | 1,044 |
| Total domestic deposits to total assets | 83.1698% | 3,706 |
| Equity capital to assets | 11.5273% | 2,142 |
| Core capital (leverage) ratio | 11.6222% | 1,844 |
| Tier 1 risk-based capital ratio | 12.9115% | 4,123 |
| Total risk-based capital ratio | 13.5729% | 4,381 |
| Memoranda: | ||
| Average total assets | $595,822,200 | 1,174 |
| Average earning assets | $563,401,200 | 1,151 |
| Average equity | $66,889,600 | 1,171 |
| Average total loans | $499,868,600 | 978 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 676 |
| Cost of funding earning assets | 0.3528% | 3,508 |
| Net interest margin | 4.5844% | 522 |
| Noninterest income to average assets | 0.2320% | 5,083 |
| Noninterest expense to average assets | 3.0048% | 2,310 |
| Loan and lease loss provision to assets | 0.0239% | 3,768 |
| Net operating income to assets | 1.0556% | 2,170 |
| Return on assets (ROA) | 1.0556% | 2,298 |
| Pretax return on assets | 1.5329% | 1,599 |
| Return on Equity (ROE) | 9.4691% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.4691% | 700 |
| Net charge-offs to loans | 0.0030% | 3,830 |
| Credit loss provision to net charge-offs | 963.6364% | 426 |
| Earnings coverage of net charge-offs (x) | 626.3872% | 148 |
| Efficiency ratio | 65.8711% | 3,612 |
| Assets per employee ($millions) | 4.2927% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6904% | 5,443 |
| Loan loss allowance to noncurrent loans | 900.7673% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 3,343 |
| Noncurrent loans to loans | 0.0766% | 5,040 |
| Net loans and leases to total assets | 83.6994% | 435 |
| Net loans and leases to deposits | 99.0835% | 766 |
| Net loans and leases to core deposits | 103.6365% | 1,372 |
| Total domestic deposits to total assets | 84.4736% | 3,036 |
| Equity capital to assets | 11.5853% | 2,447 |
| Core capital (leverage) ratio | 11.7128% | 1,876 |
| Tier 1 risk-based capital ratio | 13.1531% | 4,063 |
| Total risk-based capital ratio | 13.8177% | 4,339 |
| Memoranda: | ||
| Average total assets | $590,242,750 | 1,181 |
| Average earning assets | $557,443,000 | 1,159 |
| Average equity | $65,798,250 | 1,199 |
| Average total loans | $491,726,250 | 990 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 701 |
| Cost of funding earning assets | 0.3516% | 3,547 |
| Net interest margin | 4.5596% | 540 |
| Noninterest income to average assets | 0.2327% | 5,090 |
| Noninterest expense to average assets | 3.0022% | 2,335 |
| Loan and lease loss provision to assets | 0.0096% | 3,901 |
| Net operating income to assets | 1.0782% | 2,051 |
| Return on assets (ROA) | 1.0782% | 2,176 |
| Pretax return on assets | 1.5283% | 1,593 |
| Return on Equity (ROE) | 9.8047% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.8047% | 640 |
| Net charge-offs to loans | 0.0058% | 3,495 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 321.4286% | 211 |
| Efficiency ratio | 66.1272% | 3,666 |
| Assets per employee ($millions) | 4.3612% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 5,536 |
| Loan loss allowance to noncurrent loans | 418.1045% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 2,690 |
| Noncurrent loans to loans | 0.1657% | 4,778 |
| Net loans and leases to total assets | 81.3480% | 703 |
| Net loans and leases to deposits | 96.9502% | 971 |
| Net loans and leases to core deposits | 101.4804% | 1,512 |
| Total domestic deposits to total assets | 83.9070% | 3,304 |
| Equity capital to assets | 11.3316% | 2,712 |
| Core capital (leverage) ratio | 11.6008% | 1,908 |
| Tier 1 risk-based capital ratio | 13.1167% | 4,123 |
| Total risk-based capital ratio | 13.7787% | 4,415 |
| Memoranda: | ||
| Average total assets | $585,235,330 | 1,201 |
| Average earning assets | $552,854,670 | 1,174 |
| Average equity | $64,357,000 | 1,227 |
| Average total loans | $485,593,330 | 1,005 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 662 |
| Cost of funding earning assets | 0.3579% | 3,526 |
| Net interest margin | 4.5727% | 528 |
| Noninterest income to average assets | 0.2262% | 5,120 |
| Noninterest expense to average assets | 2.9787% | 2,461 |
| Loan and lease loss provision to assets | 0.0132% | 3,520 |
| Net operating income to assets | 1.1789% | 1,621 |
| Return on assets (ROA) | 1.1789% | 1,722 |
| Pretax return on assets | 1.5652% | 1,390 |
| Return on Equity (ROE) | 10.8958% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.8958% | 667 |
| Net charge-offs to loans | 0.0158% | 2,621 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 119.3684% | 473 |
| Efficiency ratio | 65.3635% | 3,903 |
| Assets per employee ($millions) | 4.3174% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 5,579 |
| Loan loss allowance to noncurrent loans | 77.8687% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 2,231 |
| Noncurrent loans to loans | 0.9101% | 2,575 |
| Net loans and leases to total assets | 81.7740% | 590 |
| Net loans and leases to deposits | 98.6372% | 711 |
| Net loans and leases to core deposits | 103.3065% | 1,237 |
| Total domestic deposits to total assets | 82.9039% | 3,933 |
| Equity capital to assets | 10.7424% | 3,211 |
| Core capital (leverage) ratio | 11.0346% | 2,375 |
| Tier 1 risk-based capital ratio | 12.2185% | 4,770 |
| Total risk-based capital ratio | 12.8861% | 5,059 |
| Memoranda: | ||
| Average total assets | $574,749,000 | 1,219 |
| Average earning assets | $544,361,500 | 1,190 |
| Average equity | $62,189,000 | 1,260 |
| Average total loans | $480,100,500 | 1,009 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 659 |
| Cost of funding earning assets | 0.3753% | 3,424 |
| Net interest margin | 4.6020% | 544 |
| Noninterest income to average assets | 0.2299% | 5,216 |
| Noninterest expense to average assets | 2.8842% | 2,915 |
| Loan and lease loss provision to assets | 0.0298% | 3,773 |
| Net operating income to assets | 1.1382% | 1,778 |
| Return on assets (ROA) | 1.1382% | 1,842 |
| Pretax return on assets | 1.6763% | 1,051 |
| Return on Equity (ROE) | 11.1721% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.1721% | 334 |
| Net charge-offs to loans | 0.0142% | 4,010 |
| Credit loss provision to net charge-offs | 253.7313% | 1,137 |
| Earnings coverage of net charge-offs (x) | 145.1343% | 431 |
| Efficiency ratio | 62.8316% | 4,473 |
| Assets per employee ($millions) | 4.1655% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 5,601 |
| Loan loss allowance to noncurrent loans | 481.3202% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 4,032 |
| Noncurrent loans to loans | 0.1494% | 4,899 |
| Net loans and leases to total assets | 84.1492% | 377 |
| Net loans and leases to deposits | 98.6401% | 769 |
| Net loans and leases to core deposits | 103.6129% | 1,248 |
| Total domestic deposits to total assets | 85.3093% | 2,947 |
| Equity capital to assets | 10.9015% | 2,934 |
| Core capital (leverage) ratio | 10.5416% | 2,888 |
| Tier 1 risk-based capital ratio | 12.3674% | 4,718 |
| Total risk-based capital ratio | 13.0619% | 4,980 |
| Memoranda: | ||
| Average total assets | $569,930,600 | 1,199 |
| Average earning assets | $540,031,600 | 1,167 |
| Average equity | $58,064,400 | 1,294 |
| Average total loans | $470,486,400 | 986 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 724 |
| Cost of funding earning assets | 0.3797% | 3,441 |
| Net interest margin | 4.5494% | 590 |
| Noninterest income to average assets | 0.2269% | 5,292 |
| Noninterest expense to average assets | 2.8896% | 2,883 |
| Loan and lease loss provision to assets | 0.0345% | 3,534 |
| Net operating income to assets | 1.1096% | 1,961 |
| Return on assets (ROA) | 1.1096% | 2,040 |
| Pretax return on assets | 1.6133% | 1,340 |
| Return on Equity (ROE) | 11.0823% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.0823% | 466 |
| Net charge-offs to loans | 0.0202% | 3,538 |
| Credit loss provision to net charge-offs | 208.4507% | 1,296 |
| Earnings coverage of net charge-offs (x) | 99.5397% | 632 |
| Efficiency ratio | 63.6845% | 4,302 |
| Assets per employee ($millions) | 4.5277% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 5,713 |
| Loan loss allowance to noncurrent loans | 393.1792% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 4,237 |
| Noncurrent loans to loans | 0.1804% | 4,924 |
| Net loans and leases to total assets | 80.2809% | 787 |
| Net loans and leases to deposits | 94.1451% | 1,188 |
| Net loans and leases to core deposits | 98.2827% | 1,669 |
| Total domestic deposits to total assets | 85.2735% | 2,898 |
| Equity capital to assets | 10.0536% | 4,091 |
| Core capital (leverage) ratio | 10.0952% | 3,507 |
| Tier 1 risk-based capital ratio | 11.9743% | 5,100 |
| Total risk-based capital ratio | 12.6610% | 5,335 |
| Memoranda: | ||
| Average total assets | $571,829,250 | 1,198 |
| Average earning assets | $541,805,000 | 1,168 |
| Average equity | $57,254,750 | 1,317 |
| Average total loans | $468,951,000 | 993 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 642 |
| Cost of funding earning assets | 0.3797% | 3,501 |
| Net interest margin | 4.5778% | 548 |
| Noninterest income to average assets | 0.2454% | 5,200 |
| Noninterest expense to average assets | 2.9373% | 2,759 |
| Loan and lease loss provision to assets | 0.0322% | 3,472 |
| Net operating income to assets | 1.1315% | 1,834 |
| Return on assets (ROA) | 1.1315% | 1,915 |
| Pretax return on assets | 1.6139% | 1,289 |
| Return on Equity (ROE) | 11.3172% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.3172% | 469 |
| Net charge-offs to loans | 0.0176% | 3,351 |
| Credit loss provision to net charge-offs | 221.9512% | 1,134 |
| Earnings coverage of net charge-offs (x) | 113.3659% | 553 |
| Efficiency ratio | 64.0859% | 4,347 |
| Assets per employee ($millions) | 4.2781% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 5,779 |
| Loan loss allowance to noncurrent loans | 5,623.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 4,601 |
| Noncurrent loans to loans | 0.0127% | 5,715 |
| Net loans and leases to total assets | 81.5922% | 595 |
| Net loans and leases to deposits | 98.6119% | 741 |
| Net loans and leases to core deposits | 103.3052% | 1,235 |
| Total domestic deposits to total assets | 82.7407% | 4,050 |
| Equity capital to assets | 10.1117% | 3,913 |
| Core capital (leverage) ratio | 10.1725% | 3,370 |
| Tier 1 risk-based capital ratio | 12.3419% | 4,913 |
| Total risk-based capital ratio | 13.0631% | 5,176 |
| Memoranda: | ||
| Average total assets | $564,729,000 | 1,222 |
| Average earning assets | $535,142,330 | 1,185 |
| Average equity | $56,462,670 | 1,344 |
| Average total loans | $465,411,000 | 995 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 663 |
| Cost of funding earning assets | 0.3786% | 3,542 |
| Net interest margin | 4.5458% | 556 |
| Noninterest income to average assets | 0.2733% | 4,992 |
| Noninterest expense to average assets | 2.9768% | 2,654 |
| Loan and lease loss provision to assets | 0.1071% | 1,922 |
| Net operating income to assets | 1.1269% | 1,764 |
| Return on assets (ROA) | 1.1269% | 1,870 |
| Pretax return on assets | 1.4995% | 1,569 |
| Return on Equity (ROE) | 11.3372% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.3372% | 671 |
| Net charge-offs to loans | 0.0156% | 2,857 |
| Credit loss provision to net charge-offs | 833.3333% | 373 |
| Earnings coverage of net charge-offs (x) | 125.0556% | 411 |
| Efficiency ratio | 64.9486% | 4,329 |
| Assets per employee ($millions) | 4.2383% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 5,836 |
| Loan loss allowance to noncurrent loans | 555.4662% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 4,323 |
| Noncurrent loans to loans | 0.1325% | 5,304 |
| Net loans and leases to total assets | 82.6681% | 401 |
| Net loans and leases to deposits | 99.8868% | 570 |
| Net loans and leases to core deposits | 105.7250% | 958 |
| Total domestic deposits to total assets | 82.7618% | 4,249 |
| Equity capital to assets | 10.0351% | 4,112 |
| Core capital (leverage) ratio | 10.0952% | 3,482 |
| Tier 1 risk-based capital ratio | 12.0256% | 5,214 |
| Total risk-based capital ratio | 12.7659% | 5,465 |
| Memoranda: | ||
| Average total assets | $560,460,000 | 1,233 |
| Average earning assets | $531,395,500 | 1,202 |
| Average equity | $55,710,500 | 1,369 |
| Average total loans | $462,559,000 | 1,003 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 865 |
| Cost of funding earning assets | 0.3959% | 3,734 |
| Net interest margin | 4.5396% | 696 |
| Noninterest income to average assets | 0.2380% | 5,428 |
| Noninterest expense to average assets | 2.9115% | 3,113 |
| Loan and lease loss provision to assets | 0.0641% | 3,226 |
| Net operating income to assets | 1.0274% | 2,274 |
| Return on assets (ROA) | 1.0274% | 2,345 |
| Pretax return on assets | 1.4952% | 1,559 |
| Return on Equity (ROE) | 10.0274% | 2,105 |
| Retained earnings to average equity (ytd only) | 3.6983% | 3,579 |
| Net charge-offs to loans | 0.0126% | 4,647 |
| Credit loss provision to net charge-offs | 643.3962% | 411 |
| Earnings coverage of net charge-offs (x) | 156.5283% | 348 |
| Efficiency ratio | 65.1223% | 4,387 |
| Assets per employee ($millions) | 4.2214% | 3,497 |
| Cash dividends to net income (ytd only)* | 63.1175% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 5,927 |
| Loan loss allowance to noncurrent loans | 174.3052% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 3,422 |
| Noncurrent loans to loans | 0.4185% | 4,388 |
| Net loans and leases to total assets | 81.1778% | 615 |
| Net loans and leases to deposits | 96.7417% | 848 |
| Net loans and leases to core deposits | 102.4530% | 1,210 |
| Total domestic deposits to total assets | 83.9119% | 3,757 |
| Equity capital to assets | 9.8440% | 4,295 |
| Core capital (leverage) ratio | 10.0780% | 3,464 |
| Tier 1 risk-based capital ratio | 11.4614% | 5,681 |
| Total risk-based capital ratio | 12.1599% | 5,874 |
| Memoranda: | ||
| Average total assets | $532,030,000 | 1,263 |
| Average earning assets | $496,080,200 | 1,242 |
| Average equity | $54,510,800 | 1,338 |
| Average total loans | $420,148,400 | 1,047 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 861 |
| Cost of funding earning assets | 0.4061% | 3,710 |
| Net interest margin | 4.5308% | 697 |
| Noninterest income to average assets | 0.2594% | 5,359 |
| Noninterest expense to average assets | 2.9190% | 3,057 |
| Loan and lease loss provision to assets | 0.0317% | 3,777 |
| Net operating income to assets | 1.0517% | 2,231 |
| Return on assets (ROA) | 1.0517% | 2,292 |
| Pretax return on assets | 1.5133% | 1,605 |
| Return on Equity (ROE) | 10.1593% | 2,138 |
| Retained earnings to average equity (ytd only) | 8.3219% | 1,213 |
| Net charge-offs to loans | 0.0191% | 4,148 |
| Credit loss provision to net charge-offs | 211.8644% | 1,217 |
| Earnings coverage of net charge-offs (x) | 103.2604% | 574 |
| Efficiency ratio | 65.3903% | 4,311 |
| Assets per employee ($millions) | 4.0675% | 3,738 |
| Cash dividends to net income (ytd only)* | 18.0854% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 6,053 |
| Loan loss allowance to noncurrent loans | 360.6977% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 3,707 |
| Noncurrent loans to loans | 0.2007% | 5,299 |
| Net loans and leases to total assets | 78.6307% | 879 |
| Net loans and leases to deposits | 92.7545% | 1,156 |
| Net loans and leases to core deposits | 98.3633% | 1,498 |
| Total domestic deposits to total assets | 84.7730% | 3,432 |
| Equity capital to assets | 10.3940% | 3,685 |
| Core capital (leverage) ratio | 10.3108% | 3,279 |
| Tier 1 risk-based capital ratio | 12.3001% | 5,297 |
| Total risk-based capital ratio | 12.9824% | 5,577 |
| Memoranda: | ||
| Average total assets | $525,732,500 | 1,286 |
| Average earning assets | $487,873,750 | 1,270 |
| Average equity | $54,425,250 | 1,349 |
| Average total loans | $411,269,750 | 1,071 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 876 |
| Cost of funding earning assets | 0.4140% | 3,721 |
| Net interest margin | 4.5063% | 695 |
| Noninterest income to average assets | 0.2524% | 5,391 |
| Noninterest expense to average assets | 2.8983% | 3,166 |
| Loan and lease loss provision to assets | 0.0219% | 3,841 |
| Net operating income to assets | 1.0790% | 2,011 |
| Return on assets (ROA) | 1.0790% | 2,080 |
| Pretax return on assets | 1.5173% | 1,486 |
| Return on Equity (ROE) | 10.4377% | 1,961 |
| Retained earnings to average equity (ytd only) | 8.9514% | 999 |
| Net charge-offs to loans | 0.0222% | 3,765 |
| Credit loss provision to net charge-offs | 126.6667% | 1,641 |
| Earnings coverage of net charge-offs (x) | 89.0444% | 604 |
| Efficiency ratio | 65.3134% | 4,468 |
| Assets per employee ($millions) | 3.9799% | 3,885 |
| Cash dividends to net income (ytd only)* | 14.2399% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 6,098 |
| Loan loss allowance to noncurrent loans | 306.1245% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 3,913 |
| Noncurrent loans to loans | 0.2432% | 5,270 |
| Net loans and leases to total assets | 77.3695% | 998 |
| Net loans and leases to deposits | 91.4427% | 1,223 |
| Net loans and leases to core deposits | 96.8692% | 1,529 |
| Total domestic deposits to total assets | 84.6098% | 3,683 |
| Equity capital to assets | 10.5133% | 3,428 |
| Core capital (leverage) ratio | 10.5008% | 2,949 |
| Tier 1 risk-based capital ratio | 12.6118% | 5,150 |
| Total risk-based capital ratio | 13.3117% | 5,438 |
| Memoranda: | ||
| Average total assets | $520,652,330 | 1,289 |
| Average earning assets | $483,540,330 | 1,273 |
| Average equity | $53,824,000 | 1,350 |
| Average total loans | $405,535,330 | 1,073 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 905 |
| Cost of funding earning assets | 0.4188% | 3,775 |
| Net interest margin | 4.4579% | 716 |
| Noninterest income to average assets | 0.2362% | 5,472 |
| Noninterest expense to average assets | 2.9041% | 3,198 |
| Loan and lease loss provision to assets | 0.0563% | 2,986 |
| Net operating income to assets | 1.0997% | 1,816 |
| Return on assets (ROA) | 1.0997% | 1,878 |
| Pretax return on assets | 1.4324% | 1,634 |
| Return on Equity (ROE) | 10.7304% | 1,786 |
| Retained earnings to average equity (ytd only) | 7.7184% | 1,716 |
| Net charge-offs to loans | 0.0456% | 2,744 |
| Credit loss provision to net charge-offs | 158.6957% | 1,208 |
| Earnings coverage of net charge-offs (x) | 41.9348% | 853 |
| Efficiency ratio | 66.1103% | 4,513 |
| Assets per employee ($millions) | 4.0936% | 3,728 |
| Cash dividends to net income (ytd only)* | 28.0702% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 6,200 |
| Loan loss allowance to noncurrent loans | 176.2371% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 4,192 |
| Noncurrent loans to loans | 0.4239% | 4,869 |
| Net loans and leases to total assets | 77.0658% | 877 |
| Net loans and leases to deposits | 88.6986% | 1,286 |
| Net loans and leases to core deposits | 93.8783% | 1,560 |
| Total domestic deposits to total assets | 86.8850% | 2,887 |
| Equity capital to assets | 10.1749% | 3,631 |
| Core capital (leverage) ratio | 10.4141% | 3,027 |
| Tier 1 risk-based capital ratio | 12.3455% | 5,411 |
| Total risk-based capital ratio | 13.0516% | 5,695 |
| Memoranda: | ||
| Average total assets | $518,302,000 | 1,298 |
| Average earning assets | $483,277,000 | 1,283 |
| Average equity | $53,120,000 | 1,370 |
| Average total loans | $403,547,000 | 1,088 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 964 |
| Cost of funding earning assets | 0.5069% | 3,539 |
| Net interest margin | 4.4671% | 794 |
| Noninterest income to average assets | 0.2032% | 5,868 |
| Noninterest expense to average assets | 2.7743% | 3,816 |
| Loan and lease loss provision to assets | 0.0715% | 3,688 |
| Net operating income to assets | 1.0701% | 2,036 |
| Return on assets (ROA) | 1.0652% | 2,142 |
| Pretax return on assets | 1.5235% | 1,372 |
| Return on Equity (ROE) | 10.4109% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.2120% | 525 |
| Net charge-offs to loans | 0.0590% | 4,395 |
| Credit loss provision to net charge-offs | 156.6964% | 1,471 |
| Earnings coverage of net charge-offs (x) | 35.1295% | 1,057 |
| Efficiency ratio | 63.3966% | 4,997 |
| Assets per employee ($millions) | 3.9729% | 3,918 |
| Cash dividends to net income (ytd only)* | 1.9109% | 4,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 6,242 |
| Loan loss allowance to noncurrent loans | 164.1622% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 4,150 |
| Noncurrent loans to loans | 0.4659% | 4,833 |
| Net loans and leases to total assets | 77.4840% | 888 |
| Net loans and leases to deposits | 89.3360% | 1,308 |
| Net loans and leases to core deposits | 94.7843% | 1,539 |
| Total domestic deposits to total assets | 86.7333% | 2,863 |
| Equity capital to assets | 10.3257% | 3,372 |
| Core capital (leverage) ratio | 10.2145% | 3,272 |
| Tier 1 risk-based capital ratio | 12.4759% | 5,306 |
| Total risk-based capital ratio | 13.1972% | 5,591 |
| Memoranda: | ||
| Average total assets | $491,252,000 | 1,354 |
| Average earning assets | $458,907,800 | 1,321 |
| Average equity | $50,264,400 | 1,412 |
| Average total loans | $379,813,000 | 1,123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 994 |
| Cost of funding earning assets | 0.5284% | 3,482 |
| Net interest margin | 4.4439% | 815 |
| Noninterest income to average assets | 0.2010% | 5,976 |
| Noninterest expense to average assets | 2.7521% | 3,824 |
| Loan and lease loss provision to assets | 0.0372% | 4,266 |
| Net operating income to assets | 1.1046% | 1,989 |
| Return on assets (ROA) | 1.0980% | 2,088 |
| Pretax return on assets | 1.5495% | 1,469 |
| Return on Equity (ROE) | 10.7569% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.4887% | 689 |
| Net charge-offs to loans | 0.0142% | 4,849 |
| Credit loss provision to net charge-offs | 340.0000% | 759 |
| Earnings coverage of net charge-offs (x) | 145.7305% | 378 |
| Efficiency ratio | 63.2935% | 4,925 |
| Assets per employee ($millions) | 4.0161% | 3,802 |
| Cash dividends to net income (ytd only)* | 2.4938% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 6,310 |
| Loan loss allowance to noncurrent loans | 195.9583% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 4,064 |
| Noncurrent loans to loans | 0.4007% | 5,190 |
| Net loans and leases to total assets | 75.0529% | 1,127 |
| Net loans and leases to deposits | 86.5827% | 1,544 |
| Net loans and leases to core deposits | 92.5078% | 1,719 |
| Total domestic deposits to total assets | 86.6835% | 2,866 |
| Equity capital to assets | 10.1501% | 3,698 |
| Core capital (leverage) ratio | 10.2901% | 3,260 |
| Tier 1 risk-based capital ratio | 12.6388% | 5,369 |
| Total risk-based capital ratio | 13.3793% | 5,635 |
| Memoranda: | ||
| Average total assets | $486,933,000 | 1,370 |
| Average earning assets | $454,421,250 | 1,342 |
| Average equity | $49,703,250 | 1,431 |
| Average total loans | $375,500,000 | 1,136 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 909 |
| Cost of funding earning assets | 0.5439% | 3,474 |
| Net interest margin | 4.4564% | 770 |
| Noninterest income to average assets | 0.2010% | 6,005 |
| Noninterest expense to average assets | 2.6989% | 4,037 |
| Loan and lease loss provision to assets | 0.0375% | 4,198 |
| Net operating income to assets | 1.1778% | 1,648 |
| Return on assets (ROA) | 1.1778% | 1,756 |
| Pretax return on assets | 1.6214% | 1,304 |
| Return on Equity (ROE) | 11.5157% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.5157% | 566 |
| Net charge-offs to loans | 0.0220% | 4,395 |
| Credit loss provision to net charge-offs | 219.5122% | 1,106 |
| Earnings coverage of net charge-offs (x) | 97.2195% | 477 |
| Efficiency ratio | 61.9330% | 5,181 |
| Assets per employee ($millions) | 3.9223% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 6,381 |
| Loan loss allowance to noncurrent loans | 1,884.0764% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 4,636 |
| Noncurrent loans to loans | 0.0417% | 6,271 |
| Net loans and leases to total assets | 75.5183% | 1,041 |
| Net loans and leases to deposits | 87.1233% | 1,448 |
| Net loans and leases to core deposits | 93.0495% | 1,607 |
| Total domestic deposits to total assets | 86.6797% | 3,011 |
| Equity capital to assets | 10.1372% | 3,739 |
| Core capital (leverage) ratio | 10.4425% | 2,947 |
| Tier 1 risk-based capital ratio | 12.6363% | 5,403 |
| Total risk-based capital ratio | 13.3805% | 5,661 |
| Memoranda: | ||
| Average total assets | $480,568,330 | 1,387 |
| Average earning assets | $448,249,330 | 1,364 |
| Average equity | $49,150,330 | 1,454 |
| Average total loans | $373,068,670 | 1,141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 824 |
| Cost of funding earning assets | 0.5603% | 3,470 |
| Net interest margin | 4.4870% | 692 |
| Noninterest income to average assets | 0.2263% | 5,848 |
| Noninterest expense to average assets | 2.8944% | 3,365 |
| Loan and lease loss provision to assets | 0.0414% | 3,909 |
| Net operating income to assets | 1.1947% | 1,536 |
| Return on assets (ROA) | 1.1947% | 1,646 |
| Pretax return on assets | 1.4894% | 1,587 |
| Return on Equity (ROE) | 11.6279% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.6279% | 759 |
| Net charge-offs to loans | 0.0054% | 4,057 |
| Credit loss provision to net charge-offs | 980.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 362.6000% | 102 |
| Efficiency ratio | 65.4074% | 4,766 |
| Assets per employee ($millions) | 3.9192% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 6,455 |
| Loan loss allowance to noncurrent loans | 2,660.3604% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 4,659 |
| Noncurrent loans to loans | 0.0301% | 6,405 |
| Net loans and leases to total assets | 77.0977% | 708 |
| Net loans and leases to deposits | 89.1671% | 1,033 |
| Net loans and leases to core deposits | 95.6381% | 1,221 |
| Total domestic deposits to total assets | 86.4642% | 3,262 |
| Equity capital to assets | 10.4070% | 3,656 |
| Core capital (leverage) ratio | 10.4509% | 2,846 |
| Tier 1 risk-based capital ratio | 12.6175% | 5,505 |
| Total risk-based capital ratio | 13.3808% | 5,784 |
| Memoranda: | ||
| Average total assets | $473,748,000 | 1,415 |
| Average earning assets | $443,329,500 | 1,390 |
| Average equity | $48,676,000 | 1,488 |
| Average total loans | $371,515,000 | 1,146 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2559% | 1,006 |
| Cost of funding earning assets | 0.6529% | 3,892 |
| Net interest margin | 4.6031% | 780 |
| Noninterest income to average assets | 0.2305% | 5,800 |
| Noninterest expense to average assets | 2.9446% | 3,487 |
| Loan and lease loss provision to assets | 0.0628% | 4,981 |
| Net operating income to assets | 1.0245% | 2,232 |
| Return on assets (ROA) | 1.0218% | 2,458 |
| Pretax return on assets | 1.4943% | 1,691 |
| Return on Equity (ROE) | 10.1814% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.1814% | 563 |
| Net charge-offs to loans | 0.1160% | 4,527 |
| Credit loss provision to net charge-offs | 69.5122% | 4,185 |
| Earnings coverage of net charge-offs (x) | 17.2927% | 1,512 |
| Efficiency ratio | 65.3538% | 4,636 |
| Assets per employee ($millions) | 3.9114% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 6,528 |
| Loan loss allowance to noncurrent loans | 2,465.2542% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 4,680 |
| Noncurrent loans to loans | 0.0315% | 6,432 |
| Net loans and leases to total assets | 78.5071% | 619 |
| Net loans and leases to deposits | 90.5104% | 1,027 |
| Net loans and leases to core deposits | 98.1055% | 1,137 |
| Total domestic deposits to total assets | 86.7382% | 2,968 |
| Equity capital to assets | 10.1420% | 3,981 |
| Core capital (leverage) ratio | 10.1668% | 3,178 |
| Tier 1 risk-based capital ratio | 12.0322% | 5,767 |
| Total risk-based capital ratio | 12.7707% | 6,055 |
| Memoranda: | ||
| Average total assets | $454,181,200 | 1,448 |
| Average earning assets | $421,826,800 | 1,428 |
| Average equity | $45,583,000 | 1,526 |
| Average total loans | $353,464,800 | 1,183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 1,091 |
| Cost of funding earning assets | 0.6686% | 4,029 |
| Net interest margin | 4.5862% | 843 |
| Noninterest income to average assets | 0.2270% | 5,930 |
| Noninterest expense to average assets | 2.9641% | 3,359 |
| Loan and lease loss provision to assets | 0.0427% | 5,239 |
| Net operating income to assets | 1.0179% | 2,415 |
| Return on assets (ROA) | 1.0173% | 2,651 |
| Pretax return on assets | 1.4745% | 1,985 |
| Return on Equity (ROE) | 10.1646% | 2,272 |
| Retained earnings to average equity (ytd only) | 10.1646% | 873 |
| Net charge-offs to loans | 0.1466% | 3,934 |
| Credit loss provision to net charge-offs | 37.5979% | 4,666 |
| Earnings coverage of net charge-offs (x) | 13.3604% | 1,917 |
| Efficiency ratio | 66.1305% | 4,429 |
| Assets per employee ($millions) | 4.0635% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 6,653 |
| Loan loss allowance to noncurrent loans | 388.7344% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 4,543 |
| Noncurrent loans to loans | 0.1988% | 6,115 |
| Net loans and leases to total assets | 77.4839% | 793 |
| Net loans and leases to deposits | 89.4905% | 1,207 |
| Net loans and leases to core deposits | 97.2091% | 1,320 |
| Total domestic deposits to total assets | 86.5835% | 2,932 |
| Equity capital to assets | 10.1053% | 4,348 |
| Core capital (leverage) ratio | 10.0574% | 3,463 |
| Tier 1 risk-based capital ratio | 12.1103% | 5,878 |
| Total risk-based capital ratio | 12.8432% | 6,150 |
| Memoranda: | ||
| Average total assets | $449,407,000 | 1,482 |
| Average earning assets | $416,975,500 | 1,461 |
| Average equity | $44,978,750 | 1,564 |
| Average total loans | $348,214,500 | 1,210 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 1,187 |
| Cost of funding earning assets | 0.6722% | 4,252 |
| Net interest margin | 4.5551% | 900 |
| Noninterest income to average assets | 0.2500% | 5,791 |
| Noninterest expense to average assets | 2.9730% | 3,358 |
| Loan and lease loss provision to assets | 0.0225% | 5,386 |
| Net operating income to assets | 1.0396% | 2,300 |
| Return on assets (ROA) | 1.0387% | 2,529 |
| Pretax return on assets | 1.4820% | 1,913 |
| Return on Equity (ROE) | 10.4129% | 2,209 |
| Retained earnings to average equity (ytd only) | 10.4129% | 867 |
| Net charge-offs to loans | 0.2194% | 3,253 |
| Credit loss provision to net charge-offs | 13.2626% | 4,700 |
| Earnings coverage of net charge-offs (x) | 8.8833% | 2,231 |
| Efficiency ratio | 66.3789% | 4,468 |
| Assets per employee ($millions) | 3.7937% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 6,726 |
| Loan loss allowance to noncurrent loans | 754.0390% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 4,548 |
| Noncurrent loans to loans | 0.1026% | 6,410 |
| Net loans and leases to total assets | 76.2397% | 937 |
| Net loans and leases to deposits | 87.7848% | 1,386 |
| Net loans and leases to core deposits | 94.7255% | 1,534 |
| Total domestic deposits to total assets | 86.8485% | 2,860 |
| Equity capital to assets | 10.0042% | 4,333 |
| Core capital (leverage) ratio | 10.0388% | 3,370 |
| Tier 1 risk-based capital ratio | 12.1820% | 5,808 |
| Total risk-based capital ratio | 12.9138% | 6,112 |
| Memoranda: | ||
| Average total assets | $444,798,000 | 1,500 |
| Average earning assets | $412,946,670 | 1,472 |
| Average equity | $44,368,000 | 1,573 |
| Average total loans | $343,710,330 | 1,228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2344% | 1,241 |
| Cost of funding earning assets | 0.6879% | 4,386 |
| Net interest margin | 4.5464% | 927 |
| Noninterest income to average assets | 0.3258% | 5,262 |
| Noninterest expense to average assets | 2.9247% | 3,523 |
| Loan and lease loss provision to assets | 0.0073% | 5,191 |
| Net operating income to assets | 1.1831% | 1,790 |
| Return on assets (ROA) | 1.1811% | 1,978 |
| Pretax return on assets | 1.6188% | 1,509 |
| Return on Equity (ROE) | 11.8593% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.8593% | 841 |
| Net charge-offs to loans | -0.0047% | 5,787 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2286% | 4,883 |
| Assets per employee ($millions) | 3.8318% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,562 |
| Loan loss allowance to noncurrent loans | 244.6586% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 4,604 |
| Noncurrent loans to loans | 0.3635% | 5,947 |
| Net loans and leases to total assets | 75.7121% | 835 |
| Net loans and leases to deposits | 87.1293% | 1,270 |
| Net loans and leases to core deposits | 94.1285% | 1,458 |
| Total domestic deposits to total assets | 86.8962% | 3,021 |
| Equity capital to assets | 9.9132% | 4,238 |
| Core capital (leverage) ratio | 10.0794% | 3,272 |
| Tier 1 risk-based capital ratio | 12.2652% | 5,782 |
| Total risk-based capital ratio | 13.1133% | 6,028 |
| Memoranda: | ||
| Average total assets | $439,573,500 | 1,516 |
| Average earning assets | $408,761,000 | 1,487 |
| Average equity | $43,780,000 | 1,589 |
| Average total loans | $340,672,500 | 1,240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5130% | 1,138 |
| Cost of funding earning assets | 0.8038% | 4,838 |
| Net interest margin | 4.7092% | 740 |
| Noninterest income to average assets | 0.1980% | 6,089 |
| Noninterest expense to average assets | 2.9766% | 3,680 |
| Loan and lease loss provision to assets | 0.1253% | 5,039 |
| Net operating income to assets | 1.0223% | 2,114 |
| Return on assets (ROA) | 1.0011% | 2,336 |
| Pretax return on assets | 1.4588% | 1,602 |
| Return on Equity (ROE) | 10.0306% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.0306% | 561 |
| Net charge-offs to loans | 0.0052% | 6,359 |
| Credit loss provision to net charge-offs | 3,023.5294% | 72 |
| Earnings coverage of net charge-offs (x) | 389.5294% | 86 |
| Efficiency ratio | 64.8290% | 4,979 |
| Assets per employee ($millions) | 3.7140% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,556 |
| Loan loss allowance to noncurrent loans | 224.0892% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 4,590 |
| Noncurrent loans to loans | 0.3969% | 5,918 |
| Net loans and leases to total assets | 77.9553% | 716 |
| Net loans and leases to deposits | 90.3306% | 1,124 |
| Net loans and leases to core deposits | 98.0598% | 1,326 |
| Total domestic deposits to total assets | 86.3000% | 3,141 |
| Equity capital to assets | 10.0080% | 4,161 |
| Core capital (leverage) ratio | 10.0205% | 3,313 |
| Tier 1 risk-based capital ratio | 12.1609% | 5,717 |
| Total risk-based capital ratio | 13.0182% | 5,964 |
| Memoranda: | ||
| Average total assets | $410,061,400 | 1,580 |
| Average earning assets | $382,571,600 | 1,554 |
| Average equity | $40,924,600 | 1,643 |
| Average total loans | $330,020,600 | 1,289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 1,184 |
| Cost of funding earning assets | 0.8256% | 4,973 |
| Net interest margin | 4.7042% | 759 |
| Noninterest income to average assets | 0.2062% | 6,130 |
| Noninterest expense to average assets | 3.0136% | 3,507 |
| Loan and lease loss provision to assets | 0.1574% | 4,499 |
| Net operating income to assets | 0.9891% | 2,365 |
| Return on assets (ROA) | 0.9777% | 2,567 |
| Pretax return on assets | 1.4078% | 1,922 |
| Return on Equity (ROE) | 9.8041% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.8041% | 902 |
| Net charge-offs to loans | -0.0037% | 6,694 |
| Credit loss provision to net charge-offs | -5,311.1111% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5798% | 4,791 |
| Assets per employee ($millions) | 3.7617% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 6,643 |
| Loan loss allowance to noncurrent loans | 223.1798% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 4,864 |
| Noncurrent loans to loans | 0.3967% | 6,060 |
| Net loans and leases to total assets | 78.4129% | 668 |
| Net loans and leases to deposits | 90.7204% | 1,135 |
| Net loans and leases to core deposits | 100.3911% | 1,209 |
| Total domestic deposits to total assets | 86.4336% | 2,971 |
| Equity capital to assets | 9.7845% | 4,647 |
| Core capital (leverage) ratio | 10.0119% | 3,424 |
| Tier 1 risk-based capital ratio | 11.7013% | 6,108 |
| Total risk-based capital ratio | 12.5459% | 6,358 |
| Memoranda: | ||
| Average total assets | $404,870,500 | 1,611 |
| Average earning assets | $377,750,250 | 1,580 |
| Average equity | $40,376,500 | 1,669 |
| Average total loans | $327,809,500 | 1,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5332% | 1,224 |
| Cost of funding earning assets | 0.8429% | 5,114 |
| Net interest margin | 4.6902% | 749 |
| Noninterest income to average assets | 0.2046% | 6,201 |
| Noninterest expense to average assets | 3.0518% | 3,426 |
| Loan and lease loss provision to assets | 0.0459% | 5,736 |
| Net operating income to assets | 1.0572% | 2,016 |
| Return on assets (ROA) | 1.0396% | 2,165 |
| Pretax return on assets | 1.4755% | 1,598 |
| Return on Equity (ROE) | 10.3541% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.3541% | 775 |
| Net charge-offs to loans | -0.0056% | 6,598 |
| Credit loss provision to net charge-offs | -1,011.1111% | 6,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3671% | 4,811 |
| Assets per employee ($millions) | 3.6511% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 6,859 |
| Loan loss allowance to noncurrent loans | 192.5681% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 4,738 |
| Noncurrent loans to loans | 0.4175% | 6,068 |
| Net loans and leases to total assets | 78.9640% | 652 |
| Net loans and leases to deposits | 92.2996% | 1,019 |
| Net loans and leases to core deposits | 104.9272% | 991 |
| Total domestic deposits to total assets | 85.5518% | 3,595 |
| Equity capital to assets | 10.0332% | 4,101 |
| Core capital (leverage) ratio | 10.1177% | 3,123 |
| Tier 1 risk-based capital ratio | 11.7737% | 5,953 |
| Total risk-based capital ratio | 12.5305% | 6,331 |
| Memoranda: | ||
| Average total assets | $396,884,000 | 1,655 |
| Average earning assets | $371,795,000 | 1,621 |
| Average equity | $39,849,000 | 1,682 |
| Average total loans | $323,992,000 | 1,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 1,164 |
| Cost of funding earning assets | 0.8525% | 5,254 |
| Net interest margin | 4.7039% | 694 |
| Noninterest income to average assets | 0.2037% | 6,266 |
| Noninterest expense to average assets | 3.0271% | 3,529 |
| Loan and lease loss provision to assets | 0.0276% | 5,618 |
| Net operating income to assets | 1.1760% | 1,582 |
| Return on assets (ROA) | 1.1124% | 1,853 |
| Pretax return on assets | 1.5013% | 1,444 |
| Return on Equity (ROE) | 11.0750% | 1,714 |
| Retained earnings to average equity (ytd only) | 11.0750% | 887 |
| Net charge-offs to loans | -0.0050% | 6,239 |
| Credit loss provision to net charge-offs | -675.0000% | 6,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2116% | 5,164 |
| Assets per employee ($millions) | 3.9831% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 6,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 5,474 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 79.9814% | 511 |
| Net loans and leases to deposits | 93.4618% | 878 |
| Net loans and leases to core deposits | 107.4827% | 867 |
| Total domestic deposits to total assets | 85.5766% | 3,741 |
| Equity capital to assets | 9.9008% | 3,901 |
| Core capital (leverage) ratio | 10.2562% | 2,857 |
| Tier 1 risk-based capital ratio | 11.7687% | 5,880 |
| Total risk-based capital ratio | 12.5234% | 6,262 |
| Memoranda: | ||
| Average total assets | $390,865,000 | 1,687 |
| Average earning assets | $368,803,000 | 1,638 |
| Average equity | $39,259,500 | 1,689 |
| Average total loans | $323,229,000 | 1,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 1,303 |
| Cost of funding earning assets | 1.0413% | 5,474 |
| Net interest margin | 4.7460% | 739 |
| Noninterest income to average assets | 0.2673% | 5,876 |
| Noninterest expense to average assets | 3.1840% | 3,151 |
| Loan and lease loss provision to assets | 0.0877% | 6,275 |
| Net operating income to assets | 1.0192% | 1,971 |
| Return on assets (ROA) | 1.0034% | 2,132 |
| Pretax return on assets | 1.4178% | 1,609 |
| Return on Equity (ROE) | 10.2895% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.2895% | 468 |
| Net charge-offs to loans | 0.0716% | 6,082 |
| Credit loss provision to net charge-offs | 146.2555% | 2,517 |
| Earnings coverage of net charge-offs (x) | 25.4802% | 838 |
| Efficiency ratio | 67.5767% | 4,648 |
| Assets per employee ($millions) | 3.8718% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 7,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 5,082 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 84.2388% | 280 |
| Net loans and leases to deposits | 99.0665% | 638 |
| Net loans and leases to core deposits | 114.3882% | 706 |
| Total domestic deposits to total assets | 85.0326% | 3,836 |
| Equity capital to assets | 10.1964% | 3,510 |
| Core capital (leverage) ratio | 10.0016% | 3,090 |
| Tier 1 risk-based capital ratio | 11.5601% | 5,857 |
| Total risk-based capital ratio | 12.3129% | 6,253 |
| Memoranda: | ||
| Average total assets | $378,610,600 | 1,739 |
| Average earning assets | $354,552,000 | 1,697 |
| Average equity | $36,921,200 | 1,795 |
| Average total loans | $316,856,200 | 1,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7879% | 1,433 |
| Cost of funding earning assets | 1.0600% | 5,646 |
| Net interest margin | 4.7279% | 788 |
| Noninterest income to average assets | 0.2713% | 5,947 |
| Noninterest expense to average assets | 3.1990% | 2,934 |
| Loan and lease loss provision to assets | 0.0617% | 6,449 |
| Net operating income to assets | 1.0102% | 2,201 |
| Return on assets (ROA) | 1.0102% | 2,320 |
| Pretax return on assets | 1.4267% | 1,803 |
| Return on Equity (ROE) | 10.4788% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.4788% | 690 |
| Net charge-offs to loans | 0.0706% | 5,804 |
| Credit loss provision to net charge-offs | 104.7904% | 4,089 |
| Earnings coverage of net charge-offs (x) | 25.2935% | 998 |
| Efficiency ratio | 68.2478% | 4,418 |
| Assets per employee ($millions) | 3.7248% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 7,080 |
| Loan loss allowance to noncurrent loans | 381.1024% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 4,787 |
| Noncurrent loans to loans | 0.1998% | 6,777 |
| Net loans and leases to total assets | 81.4346% | 567 |
| Net loans and leases to deposits | 99.5874% | 684 |
| Net loans and leases to core deposits | 115.4726% | 770 |
| Total domestic deposits to total assets | 81.7720% | 5,089 |
| Equity capital to assets | 9.8059% | 4,409 |
| Core capital (leverage) ratio | 9.8644% | 3,406 |
| Tier 1 risk-based capital ratio | 11.6705% | 5,762 |
| Total risk-based capital ratio | 12.4193% | 6,219 |
| Memoranda: | ||
| Average total assets | $378,403,500 | 1,765 |
| Average earning assets | $353,439,250 | 1,720 |
| Average equity | $36,479,250 | 1,836 |
| Average total loans | $315,532,250 | 1,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 1,447 |
| Cost of funding earning assets | 1.0637% | 5,855 |
| Net interest margin | 4.7257% | 778 |
| Noninterest income to average assets | 0.2744% | 5,955 |
| Noninterest expense to average assets | 3.1779% | 2,982 |
| Loan and lease loss provision to assets | 0.0916% | 6,006 |
| Net operating income to assets | 1.0176% | 2,128 |
| Return on assets (ROA) | 1.0176% | 2,199 |
| Pretax return on assets | 1.4144% | 1,801 |
| Return on Equity (ROE) | 10.6179% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.6179% | 725 |
| Net charge-offs to loans | 0.1201% | 4,978 |
| Credit loss provision to net charge-offs | 91.0053% | 4,389 |
| Earnings coverage of net charge-offs (x) | 14.9577% | 1,487 |
| Efficiency ratio | 67.8458% | 4,613 |
| Assets per employee ($millions) | 3.8472% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 7,162 |
| Loan loss allowance to noncurrent loans | 208.9878% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 4,689 |
| Noncurrent loans to loans | 0.3569% | 6,522 |
| Net loans and leases to total assets | 82.8341% | 453 |
| Net loans and leases to deposits | 104.6950% | 453 |
| Net loans and leases to core deposits | 122.8247% | 604 |
| Total domestic deposits to total assets | 79.1194% | 6,003 |
| Equity capital to assets | 9.6167% | 4,522 |
| Core capital (leverage) ratio | 9.7068% | 3,525 |
| Tier 1 risk-based capital ratio | 11.2438% | 6,005 |
| Total risk-based capital ratio | 11.9764% | 6,492 |
| Memoranda: | ||
| Average total assets | $375,411,000 | 1,787 |
| Average earning assets | $350,300,330 | 1,745 |
| Average equity | $35,977,000 | 1,857 |
| Average total loans | $314,749,000 | 1,461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 1,426 |
| Cost of funding earning assets | 1.0794% | 5,996 |
| Net interest margin | 4.7298% | 734 |
| Noninterest income to average assets | 0.2460% | 6,185 |
| Noninterest expense to average assets | 3.1762% | 2,948 |
| Loan and lease loss provision to assets | 0.1942% | 4,556 |
| Net operating income to assets | 0.9764% | 2,276 |
| Return on assets (ROA) | 0.9764% | 2,337 |
| Pretax return on assets | 1.2817% | 2,101 |
| Return on Equity (ROE) | 10.2067% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.2067% | 1,097 |
| Net charge-offs to loans | 0.1104% | 4,324 |
| Credit loss provision to net charge-offs | 209.3023% | 1,779 |
| Earnings coverage of net charge-offs (x) | 15.9070% | 1,357 |
| Efficiency ratio | 68.2746% | 4,664 |
| Assets per employee ($millions) | 3.6859% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 7,140 |
| Loan loss allowance to noncurrent loans | 206.9364% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.4150% | 4,386 |
| Noncurrent loans to loans | 0.3842% | 6,511 |
| Net loans and leases to total assets | 83.1682% | 460 |
| Net loans and leases to deposits | 108.5819% | 327 |
| Net loans and leases to core deposits | 128.8598% | 517 |
| Total domestic deposits to total assets | 76.5950% | 6,642 |
| Equity capital to assets | 9.5573% | 4,443 |
| Core capital (leverage) ratio | 9.5288% | 3,724 |
| Tier 1 risk-based capital ratio | 11.1388% | 6,016 |
| Total risk-based capital ratio | 11.9195% | 6,458 |
| Memoranda: | ||
| Average total assets | $370,758,500 | 1,854 |
| Average earning assets | $345,386,500 | 1,812 |
| Average equity | $35,467,000 | 1,898 |
| Average total loans | $311,588,000 | 1,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8743% | 2,353 |
| Cost of funding earning assets | 1.3940% | 5,953 |
| Net interest margin | 4.4803% | 1,215 |
| Noninterest income to average assets | 0.2579% | 6,265 |
| Noninterest expense to average assets | 3.0656% | 3,888 |
| Loan and lease loss provision to assets | 0.3334% | 4,810 |
| Net operating income to assets | 0.8038% | 2,526 |
| Return on assets (ROA) | 0.8038% | 2,608 |
| Pretax return on assets | 1.0424% | 2,447 |
| Return on Equity (ROE) | 8.8324% | 2,078 |
| Retained earnings to average equity (ytd only) | 8.8324% | 520 |
| Net charge-offs to loans | 0.3815% | 4,302 |
| Credit loss provision to net charge-offs | 105.4124% | 5,253 |
| Earnings coverage of net charge-offs (x) | 4.3497% | 2,978 |
| Efficiency ratio | 69.0223% | 4,824 |
| Assets per employee ($millions) | 3.5839% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 7,184 |
| Loan loss allowance to noncurrent loans | 120.1195% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 4,556 |
| Noncurrent loans to loans | 0.6520% | 5,930 |
| Net loans and leases to total assets | 83.5926% | 482 |
| Net loans and leases to deposits | 107.0757% | 498 |
| Net loans and leases to core deposits | 137.6262% | 889 |
| Total domestic deposits to total assets | 78.0687% | 6,197 |
| Equity capital to assets | 9.5750% | 4,309 |
| Core capital (leverage) ratio | 9.5285% | 3,685 |
| Tier 1 risk-based capital ratio | 11.1042% | 5,827 |
| Total risk-based capital ratio | 11.8727% | 6,251 |
| Memoranda: | ||
| Average total assets | $367,982,800 | 1,846 |
| Average earning assets | $343,614,600 | 1,818 |
| Average equity | $33,490,400 | 2,004 |
| Average total loans | $305,140,400 | 1,573 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8479% | 2,675 |
| Cost of funding earning assets | 1.4682% | 5,963 |
| Net interest margin | 4.3797% | 1,493 |
| Noninterest income to average assets | 0.2583% | 6,387 |
| Noninterest expense to average assets | 3.0425% | 3,874 |
| Loan and lease loss provision to assets | 0.4109% | 3,858 |
| Net operating income to assets | 0.7325% | 3,083 |
| Return on assets (ROA) | 0.7325% | 3,152 |
| Pretax return on assets | 0.8967% | 3,235 |
| Return on Equity (ROE) | 8.1538% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.1538% | 1,095 |
| Net charge-offs to loans | 0.4883% | 3,272 |
| Credit loss provision to net charge-offs | 101.8834% | 4,996 |
| Earnings coverage of net charge-offs (x) | 3.2422% | 3,619 |
| Efficiency ratio | 69.9401% | 4,605 |
| Assets per employee ($millions) | 3.7495% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 7,203 |
| Loan loss allowance to noncurrent loans | 123.8245% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 4,108 |
| Noncurrent loans to loans | 0.6232% | 6,057 |
| Net loans and leases to total assets | 82.0929% | 793 |
| Net loans and leases to deposits | 101.7659% | 941 |
| Net loans and leases to core deposits | 134.9475% | 1,154 |
| Total domestic deposits to total assets | 80.6684% | 5,199 |
| Equity capital to assets | 9.2359% | 5,106 |
| Core capital (leverage) ratio | 9.1137% | 4,467 |
| Tier 1 risk-based capital ratio | 10.8273% | 6,126 |
| Total risk-based capital ratio | 11.5838% | 6,584 |
| Memoranda: | ||
| Average total assets | $368,589,750 | 1,855 |
| Average earning assets | $344,366,500 | 1,829 |
| Average equity | $33,112,500 | 2,050 |
| Average total loans | $304,428,250 | 1,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8171% | 2,972 |
| Cost of funding earning assets | 1.5199% | 6,059 |
| Net interest margin | 4.2972% | 1,664 |
| Noninterest income to average assets | 0.2415% | 6,555 |
| Noninterest expense to average assets | 3.0594% | 3,848 |
| Loan and lease loss provision to assets | 0.2747% | 4,385 |
| Net operating income to assets | 0.7952% | 2,874 |
| Return on assets (ROA) | 0.7952% | 2,967 |
| Pretax return on assets | 0.9257% | 3,257 |
| Return on Equity (ROE) | 8.9359% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.9359% | 961 |
| Net charge-offs to loans | 0.2833% | 3,776 |
| Credit loss provision to net charge-offs | 117.4419% | 3,961 |
| Earnings coverage of net charge-offs (x) | 5.1326% | 2,906 |
| Efficiency ratio | 71.8207% | 4,448 |
| Assets per employee ($millions) | 3.7743% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 7,179 |
| Loan loss allowance to noncurrent loans | 55.8579% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.7550% | 3,544 |
| Noncurrent loans to loans | 1.4212% | 4,369 |
| Net loans and leases to total assets | 79.4023% | 1,432 |
| Net loans and leases to deposits | 100.7144% | 1,210 |
| Net loans and leases to core deposits | 134.3246% | 1,298 |
| Total domestic deposits to total assets | 78.8390% | 5,853 |
| Equity capital to assets | 8.7557% | 5,673 |
| Core capital (leverage) ratio | 8.8933% | 4,795 |
| Tier 1 risk-based capital ratio | 10.7122% | 6,172 |
| Total risk-based capital ratio | 11.4900% | 6,592 |
| Memoranda: | ||
| Average total assets | $367,718,000 | 1,886 |
| Average earning assets | $343,849,000 | 1,842 |
| Average equity | $32,722,000 | 2,077 |
| Average total loans | $303,536,670 | 1,628 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9033% | 2,780 |
| Cost of funding earning assets | 1.5679% | 6,168 |
| Net interest margin | 4.3354% | 1,501 |
| Noninterest income to average assets | 0.2238% | 6,680 |
| Noninterest expense to average assets | 2.9985% | 3,777 |
| Loan and lease loss provision to assets | 0.3579% | 3,171 |
| Net operating income to assets | 0.9408% | 2,546 |
| Return on assets (ROA) | 0.9408% | 2,677 |
| Pretax return on assets | 0.9120% | 3,671 |
| Return on Equity (ROE) | 10.4833% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.4833% | 1,077 |
| Net charge-offs to loans | 0.2431% | 3,185 |
| Credit loss provision to net charge-offs | 175.5435% | 2,457 |
| Earnings coverage of net charge-offs (x) | 6.2283% | 2,525 |
| Efficiency ratio | 70.2492% | 4,519 |
| Assets per employee ($millions) | 3.5634% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 7,124 |
| Loan loss allowance to noncurrent loans | 58.5936% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5440% | 3,620 |
| Noncurrent loans to loans | 1.3804% | 4,242 |
| Net loans and leases to total assets | 81.3402% | 1,131 |
| Net loans and leases to deposits | 103.6599% | 1,034 |
| Net loans and leases to core deposits | 142.0362% | 1,011 |
| Total domestic deposits to total assets | 78.4684% | 5,872 |
| Equity capital to assets | 8.8579% | 5,544 |
| Core capital (leverage) ratio | 9.1565% | 4,472 |
| Tier 1 risk-based capital ratio | 10.3506% | 6,541 |
| Total risk-based capital ratio | 11.1277% | 6,954 |
| Memoranda: | ||
| Average total assets | $360,976,000 | 1,925 |
| Average earning assets | $336,762,000 | 1,884 |
| Average equity | $32,394,500 | 2,093 |
| Average total loans | $302,752,500 | 1,653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3944% | 3,448 |
| Cost of funding earning assets | 2.0086% | 6,387 |
| Net interest margin | 4.3858% | 1,733 |
| Noninterest income to average assets | 0.2841% | 6,433 |
| Noninterest expense to average assets | 3.1835% | 3,394 |
| Loan and lease loss provision to assets | 0.0266% | 7,067 |
| Net operating income to assets | 0.7827% | 3,513 |
| Return on assets (ROA) | 0.7827% | 3,356 |
| Pretax return on assets | 1.1598% | 2,809 |
| Return on Equity (ROE) | 8.4622% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.4622% | 720 |
| Net charge-offs to loans | 0.0458% | 6,132 |
| Credit loss provision to net charge-offs | 68.2171% | 6,102 |
| Earnings coverage of net charge-offs (x) | 30.4574% | 1,160 |
| Efficiency ratio | 72.8510% | 3,780 |
| Assets per employee ($millions) | 3.4112% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 7,281 |
| Loan loss allowance to noncurrent loans | 124.1096% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 4,202 |
| Noncurrent loans to loans | 0.6051% | 5,557 |
| Net loans and leases to total assets | 85.1952% | 704 |
| Net loans and leases to deposits | 110.1977% | 817 |
| Net loans and leases to core deposits | 146.4202% | 1,000 |
| Total domestic deposits to total assets | 77.3112% | 5,914 |
| Equity capital to assets | 9.0967% | 5,232 |
| Core capital (leverage) ratio | 9.2228% | 4,408 |
| Tier 1 risk-based capital ratio | 10.4574% | 6,250 |
| Total risk-based capital ratio | 11.2000% | 6,683 |
| Memoranda: | ||
| Average total assets | $331,171,400 | 2,020 |
| Average earning assets | $308,520,800 | 1,976 |
| Average equity | $30,630,400 | 2,202 |
| Average total loans | $281,549,200 | 1,714 |