Home > Rhinebeck Bank > Performance and Condition Ratios
Rhinebeck Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 2,195 |
| Cost of funding earning assets | 1.8461% | 1,168 |
| Net interest margin | 3.0934% | 3,107 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.6253% | 1,937 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.4042% | 3,859 |
| Return on assets (ROA) | 0.4042% | 3,856 |
| Pretax return on assets | 0.4958% | 3,820 |
| Return on Equity (ROE) | 5.1600% | 3,694 |
| Retained earnings to average equity (ytd only) | 5.1627% | 2,551 |
| Net charge-offs to loans | 0.2048% | 525 |
| Credit loss provision to net charge-offs | 70.0242% | 2,084 |
| Earnings coverage of net charge-offs (x) | 4.0184% | 2,614 |
| Efficiency ratio | 80.5992% | 881 |
| Assets per employee ($millions) | 7.6785% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 3,965 |
| Loan loss allowance to noncurrent loans | 189.8131% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 1,635 |
| Noncurrent loans to loans | 0.4209% | 1,729 |
| Net loans and leases to total assets | 76.8300% | 999 |
| Net loans and leases to deposits | 96.1058% | 777 |
| Net loans and leases to core deposits | 106.1203% | 1,105 |
| Total domestic deposits to total assets | 79.9500% | 3,469 |
| Equity capital to assets | 8.3226% | 3,176 |
| Core capital (leverage) ratio | 10.0978% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6972% | 2,339 |
| Memoranda: | ||
| Average total assets | $1,330,398,600 | 788 |
| Average earning assets | $1,227,802,800 | 777 |
| Average equity | $104,150,200 | 918 |
| Average total loans | $1,008,088,200 | 723 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 2,112 |
| Cost of funding earning assets | 1.7580% | 1,084 |
| Net interest margin | 3.1170% | 3,111 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6417% | 1,821 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.4190% | 3,932 |
| Return on assets (ROA) | 0.4190% | 3,922 |
| Pretax return on assets | 0.5147% | 3,880 |
| Return on Equity (ROE) | 5.4400% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.4372% | 2,799 |
| Net charge-offs to loans | 0.1881% | 467 |
| Credit loss provision to net charge-offs | 82.6638% | 1,748 |
| Earnings coverage of net charge-offs (x) | 4.6688% | 2,382 |
| Efficiency ratio | 79.7647% | 867 |
| Assets per employee ($millions) | 7.6027% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 3,898 |
| Loan loss allowance to noncurrent loans | 172.3879% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 1,537 |
| Noncurrent loans to loans | 0.4869% | 1,605 |
| Net loans and leases to total assets | 76.3200% | 1,080 |
| Net loans and leases to deposits | 91.4818% | 1,098 |
| Net loans and leases to core deposits | 99.7669% | 1,326 |
| Total domestic deposits to total assets | 83.4200% | 2,922 |
| Equity capital to assets | 7.7872% | 3,188 |
| Core capital (leverage) ratio | 9.9316% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4708% | 2,458 |
| Memoranda: | ||
| Average total assets | $1,334,740,250 | 786 |
| Average earning assets | $1,232,556,750 | 783 |
| Average equity | $102,868,250 | 923 |
| Average total loans | $1,005,866,500 | 721 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 2,073 |
| Cost of funding earning assets | 1.6775% | 917 |
| Net interest margin | 3.0874% | 3,252 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6728% | 1,708 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4008% | 4,002 |
| Return on assets (ROA) | 0.4008% | 4,012 |
| Pretax return on assets | 0.4925% | 3,975 |
| Return on Equity (ROE) | 5.2200% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.2186% | 2,886 |
| Net charge-offs to loans | 0.2060% | 389 |
| Credit loss provision to net charge-offs | 28.4333% | 1,742 |
| Earnings coverage of net charge-offs (x) | 3.7379% | 2,252 |
| Efficiency ratio | 82.0552% | 705 |
| Assets per employee ($millions) | 7.4690% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,013 |
| Loan loss allowance to noncurrent loans | 174.2434% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 1,539 |
| Noncurrent loans to loans | 0.4616% | 1,558 |
| Net loans and leases to total assets | 73.8300% | 1,314 |
| Net loans and leases to deposits | 89.6494% | 1,213 |
| Net loans and leases to core deposits | 97.5825% | 1,377 |
| Total domestic deposits to total assets | 82.3500% | 3,164 |
| Equity capital to assets | 7.6939% | 3,407 |
| Core capital (leverage) ratio | 9.7372% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3469% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,341,231,667 | 767 |
| Average earning assets | $1,239,738,333 | 763 |
| Average equity | $103,016,667 | 919 |
| Average total loans | $1,003,734,333 | 709 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 1,847 |
| Cost of funding earning assets | 1.5303% | 793 |
| Net interest margin | 3.1717% | 3,184 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.6602% | 1,770 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.3007% | 4,250 |
| Return on assets (ROA) | 0.3007% | 4,212 |
| Pretax return on assets | 0.3674% | 4,182 |
| Return on Equity (ROE) | 3.9200% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.9188% | 3,294 |
| Net charge-offs to loans | 0.1635% | 431 |
| Credit loss provision to net charge-offs | 246.1165% | 753 |
| Earnings coverage of net charge-offs (x) | 5.4563% | 1,814 |
| Efficiency ratio | 79.6816% | 858 |
| Assets per employee ($millions) | 7.9937% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 3,794 |
| Loan loss allowance to noncurrent loans | 199.0415% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 1,477 |
| Noncurrent loans to loans | 0.4631% | 1,557 |
| Net loans and leases to total assets | 74.3600% | 1,155 |
| Net loans and leases to deposits | 90.1744% | 1,033 |
| Net loans and leases to core deposits | 98.9703% | 1,135 |
| Total domestic deposits to total assets | 82.4600% | 3,413 |
| Equity capital to assets | 7.7348% | 3,422 |
| Core capital (leverage) ratio | 9.6773% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1601% | 2,677 |
| Memoranda: | ||
| Average total assets | $1,343,371,000 | 779 |
| Average earning assets | $1,241,855,500 | 776 |
| Average equity | $103,093,000 | 925 |
| Average total loans | $1,008,088,000 | 717 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 1,611 |
| Cost of funding earning assets | 0.5586% | 1,072 |
| Net interest margin | 3.4833% | 1,980 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.7972% | 1,319 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6300% | 3,803 |
| Return on assets (ROA) | 0.6194% | 3,784 |
| Pretax return on assets | 0.7658% | 3,705 |
| Return on Equity (ROE) | 7.4700% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.4690% | 2,042 |
| Net charge-offs to loans | 0.1113% | 674 |
| Credit loss provision to net charge-offs | 137.2816% | 1,357 |
| Earnings coverage of net charge-offs (x) | 11.1786% | 2,159 |
| Efficiency ratio | 75.6969% | 1,046 |
| Assets per employee ($millions) | 7.0306% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 4,049 |
| Loan loss allowance to noncurrent loans | 179.5434% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 1,526 |
| Noncurrent loans to loans | 0.4414% | 1,601 |
| Net loans and leases to total assets | 74.4400% | 1,184 |
| Net loans and leases to deposits | 86.3299% | 1,289 |
| Net loans and leases to core deposits | 95.0970% | 1,248 |
| Total domestic deposits to total assets | 86.2300% | 2,666 |
| Equity capital to assets | 7.6129% | 3,322 |
| Core capital (leverage) ratio | 9.7508% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2450% | 2,662 |
| Memoranda: | ||
| Average total assets | $1,296,637,600 | 793 |
| Average earning assets | $1,202,065,000 | 789 |
| Average equity | $107,524,200 | 900 |
| Average total loans | $925,571,000 | 733 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 1,387 |
| Cost of funding earning assets | 0.3502% | 1,699 |
| Net interest margin | 3.5891% | 1,417 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.7948% | 1,260 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7377% | 3,455 |
| Return on assets (ROA) | 0.7233% | 3,449 |
| Pretax return on assets | 0.8840% | 3,363 |
| Return on Equity (ROE) | 8.5400% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.5407% | 1,811 |
| Net charge-offs to loans | 0.0263% | 1,296 |
| Credit loss provision to net charge-offs | 621.2291% | 551 |
| Earnings coverage of net charge-offs (x) | 54.8268% | 1,233 |
| Efficiency ratio | 73.1190% | 1,375 |
| Assets per employee ($millions) | 6.6624% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 3,903 |
| Loan loss allowance to noncurrent loans | 181.7637% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 1,495 |
| Noncurrent loans to loans | 0.4868% | 1,585 |
| Net loans and leases to total assets | 73.6000% | 1,132 |
| Net loans and leases to deposits | 84.2755% | 1,279 |
| Net loans and leases to core deposits | 85.5576% | 1,554 |
| Total domestic deposits to total assets | 87.3300% | 2,656 |
| Equity capital to assets | 7.7699% | 3,037 |
| Core capital (leverage) ratio | 9.8259% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5676% | 2,632 |
| Memoranda: | ||
| Average total assets | $1,286,844,500 | 807 |
| Average earning assets | $1,193,551,750 | 802 |
| Average equity | $108,981,750 | 904 |
| Average total loans | $906,386,250 | 747 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 1,307 |
| Cost of funding earning assets | 0.2842% | 1,859 |
| Net interest margin | 3.5197% | 1,265 |
| Noninterest income to average assets | 0.5135% | 2,125 |
| Noninterest expense to average assets | 2.8080% | 1,163 |
| Loan and lease loss provision to assets | 0.0883% | 1,116 |
| Net operating income to assets | 0.7347% | 3,199 |
| Return on assets (ROA) | 0.7138% | 3,212 |
| Pretax return on assets | 0.8626% | 3,165 |
| Return on Equity (ROE) | 8.2015% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.2015% | 1,546 |
| Net charge-offs to loans | -0.0097% | 3,586 |
| Credit loss provision to net charge-offs | -1,318.6047% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0005% | 1,504 |
| Assets per employee ($millions) | 6.4309% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,019 |
| Loan loss allowance to noncurrent loans | 178.0126% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 1,577 |
| Noncurrent loans to loans | 0.4906% | 1,646 |
| Net loans and leases to total assets | 71.7298% | 1,132 |
| Net loans and leases to deposits | 81.4846% | 1,281 |
| Net loans and leases to core deposits | 82.7556% | 1,536 |
| Total domestic deposits to total assets | 88.0287% | 2,559 |
| Equity capital to assets | 8.2442% | 2,948 |
| Core capital (leverage) ratio | 9.8032% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7072% | 2,605 |
| Memoranda: | ||
| Average total assets | $1,284,956,667 | 805 |
| Average earning assets | $1,194,034,667 | 801 |
| Average equity | $111,833,667 | 890 |
| Average total loans | $888,590,333 | 747 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 1,311 |
| Cost of funding earning assets | 0.2846% | 1,779 |
| Net interest margin | 3.3976% | 1,302 |
| Noninterest income to average assets | 0.5224% | 2,029 |
| Noninterest expense to average assets | 2.7629% | 1,231 |
| Loan and lease loss provision to assets | 0.0690% | 1,188 |
| Net operating income to assets | 0.7125% | 3,010 |
| Return on assets (ROA) | 0.7125% | 2,998 |
| Pretax return on assets | 0.8517% | 2,932 |
| Return on Equity (ROE) | 7.9743% | 2,704 |
| Retained earnings to average equity (ytd only) | 7.9743% | 1,594 |
| Net charge-offs to loans | 0.0370% | 922 |
| Credit loss provision to net charge-offs | 276.2500% | 691 |
| Earnings coverage of net charge-offs (x) | 36.8625% | 1,039 |
| Efficiency ratio | 74.7754% | 1,655 |
| Assets per employee ($millions) | 6.5039% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,073 |
| Loan loss allowance to noncurrent loans | 114.4131% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 1,141 |
| Noncurrent loans to loans | 0.7754% | 1,229 |
| Net loans and leases to total assets | 67.1362% | 1,296 |
| Net loans and leases to deposits | 75.8747% | 1,458 |
| Net loans and leases to core deposits | 77.1098% | 1,693 |
| Total domestic deposits to total assets | 88.4830% | 2,305 |
| Equity capital to assets | 8.6043% | 3,073 |
| Core capital (leverage) ratio | 9.7498% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4722% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,281,129,000 | 813 |
| Average earning assets | $1,192,017,500 | 807 |
| Average equity | $114,467,500 | 894 |
| Average total loans | $865,207,000 | 750 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 1,722 |
| Cost of funding earning assets | 0.3762% | 1,708 |
| Net interest margin | 3.4859% | 1,782 |
| Noninterest income to average assets | 0.5983% | 2,162 |
| Noninterest expense to average assets | 2.8365% | 1,273 |
| Loan and lease loss provision to assets | -0.3016% | 4,777 |
| Net operating income to assets | 1.0248% | 2,579 |
| Return on assets (ROA) | 1.0246% | 2,652 |
| Pretax return on assets | 1.3069% | 2,335 |
| Return on Equity (ROE) | 10.9340% | 2,186 |
| Retained earnings to average equity (ytd only) | 10.9340% | 713 |
| Net charge-offs to loans | 0.0469% | 1,355 |
| Credit loss provision to net charge-offs | -900.9828% | 3,893 |
| Earnings coverage of net charge-offs (x) | 30.0418% | 1,605 |
| Efficiency ratio | 73.6225% | 1,350 |
| Assets per employee ($millions) | 6.6719% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,122 |
| Loan loss allowance to noncurrent loans | 113.0064% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,284 |
| Noncurrent loans to loans | 0.7755% | 1,315 |
| Net loans and leases to total assets | 66.7422% | 1,403 |
| Net loans and leases to deposits | 76.0890% | 1,560 |
| Net loans and leases to core deposits | 77.7288% | 1,786 |
| Total domestic deposits to total assets | 87.7159% | 2,186 |
| Equity capital to assets | 9.2655% | 3,355 |
| Core capital (leverage) ratio | 9.6457% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5437% | 2,430 |
| Memoranda: | ||
| Average total assets | $1,215,813,600 | 819 |
| Average earning assets | $1,131,415,800 | 814 |
| Average equity | $113,928,800 | 913 |
| Average total loans | $868,697,800 | 748 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 1,865 |
| Cost of funding earning assets | 0.4014% | 1,687 |
| Net interest margin | 3.4659% | 1,967 |
| Noninterest income to average assets | 0.6246% | 2,119 |
| Noninterest expense to average assets | 2.7991% | 1,342 |
| Loan and lease loss provision to assets | -0.2412% | 4,786 |
| Net operating income to assets | 1.0289% | 2,805 |
| Return on assets (ROA) | 1.0289% | 2,867 |
| Pretax return on assets | 1.2889% | 2,648 |
| Return on Equity (ROE) | 10.9478% | 2,382 |
| Retained earnings to average equity (ytd only) | 10.9478% | 1,072 |
| Net charge-offs to loans | 0.0657% | 987 |
| Credit loss provision to net charge-offs | -505.8275% | 3,658 |
| Earnings coverage of net charge-offs (x) | 21.9720% | 1,695 |
| Efficiency ratio | 72.5641% | 1,352 |
| Assets per employee ($millions) | 6.3447% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,571 |
| Loan loss allowance to noncurrent loans | 145.6466% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 1,535 |
| Noncurrent loans to loans | 0.7358% | 1,521 |
| Net loans and leases to total assets | 66.0420% | 1,542 |
| Net loans and leases to deposits | 75.4597% | 1,718 |
| Net loans and leases to core deposits | 77.4396% | 1,924 |
| Total domestic deposits to total assets | 87.5195% | 2,097 |
| Equity capital to assets | 9.2637% | 3,596 |
| Core capital (leverage) ratio | 9.5765% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1250% | 2,316 |
| Memoranda: | ||
| Average total assets | $1,199,517,250 | 839 |
| Average earning assets | $1,115,195,750 | 832 |
| Average equity | $112,738,250 | 933 |
| Average total loans | $870,240,750 | 760 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 1,870 |
| Cost of funding earning assets | 0.4311% | 1,651 |
| Net interest margin | 3.4491% | 2,012 |
| Noninterest income to average assets | 0.6812% | 1,886 |
| Noninterest expense to average assets | 2.7671% | 1,424 |
| Loan and lease loss provision to assets | -0.2065% | 4,761 |
| Net operating income to assets | 1.0756% | 2,625 |
| Return on assets (ROA) | 1.0756% | 2,697 |
| Pretax return on assets | 1.3319% | 2,548 |
| Return on Equity (ROE) | 11.3860% | 2,274 |
| Retained earnings to average equity (ytd only) | 11.3860% | 1,035 |
| Net charge-offs to loans | 0.0660% | 960 |
| Credit loss provision to net charge-offs | -419.6552% | 3,417 |
| Earnings coverage of net charge-offs (x) | 22.8655% | 1,477 |
| Efficiency ratio | 70.9060% | 1,539 |
| Assets per employee ($millions) | 6.1734% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,139 |
| Loan loss allowance to noncurrent loans | 151.7458% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 1,491 |
| Noncurrent loans to loans | 0.7647% | 1,578 |
| Net loans and leases to total assets | 71.2834% | 1,045 |
| Net loans and leases to deposits | 81.8662% | 1,240 |
| Net loans and leases to core deposits | 84.1570% | 1,548 |
| Total domestic deposits to total assets | 87.0730% | 2,277 |
| Equity capital to assets | 9.4505% | 3,381 |
| Core capital (leverage) ratio | 9.6935% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1440% | 2,308 |
| Memoranda: | ||
| Average total assets | $1,178,491,667 | 844 |
| Average earning assets | $1,097,218,667 | 840 |
| Average equity | $111,330,000 | 931 |
| Average total loans | $879,362,667 | 753 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 1,472 |
| Cost of funding earning assets | 0.4651% | 1,622 |
| Net interest margin | 3.6010% | 1,583 |
| Noninterest income to average assets | 0.7572% | 1,690 |
| Noninterest expense to average assets | 2.6506% | 1,739 |
| Loan and lease loss provision to assets | -0.0237% | 4,608 |
| Net operating income to assets | 1.2157% | 2,085 |
| Return on assets (ROA) | 1.2157% | 2,173 |
| Pretax return on assets | 1.4971% | 2,000 |
| Return on Equity (ROE) | 12.8720% | 1,710 |
| Retained earnings to average equity (ytd only) | 12.8720% | 948 |
| Net charge-offs to loans | 0.1373% | 548 |
| Credit loss provision to net charge-offs | -22.7723% | 2,712 |
| Earnings coverage of net charge-offs (x) | 14.1353% | 1,374 |
| Efficiency ratio | 64.1642% | 2,444 |
| Assets per employee ($millions) | 6.4002% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,525 |
| Loan loss allowance to noncurrent loans | 179.1441% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 1,782 |
| Noncurrent loans to loans | 0.7143% | 1,813 |
| Net loans and leases to total assets | 72.5865% | 944 |
| Net loans and leases to deposits | 84.3974% | 1,106 |
| Net loans and leases to core deposits | 87.0398% | 1,451 |
| Total domestic deposits to total assets | 86.0056% | 2,736 |
| Equity capital to assets | 9.2833% | 3,412 |
| Core capital (leverage) ratio | 9.8792% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3810% | 2,128 |
| Memoranda: | ||
| Average total assets | $1,162,744,500 | 843 |
| Average earning assets | $1,087,127,500 | 835 |
| Average equity | $109,820,000 | 933 |
| Average total loans | $882,721,500 | 749 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 1,457 |
| Cost of funding earning assets | 0.8071% | 1,176 |
| Net interest margin | 3.6353% | 2,025 |
| Noninterest income to average assets | 0.7640% | 1,641 |
| Noninterest expense to average assets | 2.7091% | 2,213 |
| Loan and lease loss provision to assets | 0.6671% | 261 |
| Net operating income to assets | 0.6364% | 3,636 |
| Return on assets (ROA) | 0.6342% | 3,764 |
| Pretax return on assets | 0.7799% | 3,678 |
| Return on Equity (ROE) | 6.4200% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.4200% | 1,623 |
| Net charge-offs to loans | 0.1696% | 980 |
| Credit loss provision to net charge-offs | 489.5062% | 1,271 |
| Earnings coverage of net charge-offs (x) | 10.6392% | 2,448 |
| Efficiency ratio | 65.0472% | 2,673 |
| Assets per employee ($millions) | 6.6004% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,349 |
| Loan loss allowance to noncurrent loans | 183.6306% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 1,840 |
| Noncurrent loans to loans | 0.7155% | 1,912 |
| Net loans and leases to total assets | 77.4204% | 654 |
| Net loans and leases to deposits | 91.8146% | 792 |
| Net loans and leases to core deposits | 95.2489% | 1,168 |
| Total domestic deposits to total assets | 84.3226% | 3,007 |
| Equity capital to assets | 9.6163% | 3,491 |
| Core capital (leverage) ratio | 9.9455% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9746% | 2,244 |
| Memoranda: | ||
| Average total assets | $1,070,012,800 | 823 |
| Average earning assets | $999,224,000 | 813 |
| Average equity | $105,700,400 | 924 |
| Average total loans | $859,760,400 | 746 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 1,724 |
| Cost of funding earning assets | 0.8860% | 1,114 |
| Net interest margin | 3.5570% | 2,404 |
| Noninterest income to average assets | 0.6710% | 1,900 |
| Noninterest expense to average assets | 2.6105% | 2,507 |
| Loan and lease loss provision to assets | 0.7207% | 283 |
| Net operating income to assets | 0.5378% | 3,933 |
| Return on assets (ROA) | 0.5348% | 4,038 |
| Pretax return on assets | 0.6558% | 3,991 |
| Return on Equity (ROE) | 5.3755% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.3755% | 2,392 |
| Net charge-offs to loans | 0.1712% | 861 |
| Credit loss provision to net charge-offs | 520.5292% | 1,259 |
| Earnings coverage of net charge-offs (x) | 9.9681% | 2,391 |
| Efficiency ratio | 65.3128% | 2,543 |
| Assets per employee ($millions) | 6.7012% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,827 |
| Loan loss allowance to noncurrent loans | 180.3175% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 1,855 |
| Noncurrent loans to loans | 0.6501% | 2,166 |
| Net loans and leases to total assets | 80.0515% | 610 |
| Net loans and leases to deposits | 95.3156% | 812 |
| Net loans and leases to core deposits | 99.1120% | 1,230 |
| Total domestic deposits to total assets | 83.9857% | 2,831 |
| Equity capital to assets | 9.6512% | 3,552 |
| Core capital (leverage) ratio | 9.6665% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5968% | 2,368 |
| Memoranda: | ||
| Average total assets | $1,055,351,000 | 822 |
| Average earning assets | $984,958,500 | 810 |
| Average equity | $104,991,750 | 921 |
| Average total loans | $853,339,000 | 743 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 1,819 |
| Cost of funding earning assets | 0.9657% | 1,089 |
| Net interest margin | 3.5673% | 2,586 |
| Noninterest income to average assets | 0.6284% | 2,019 |
| Noninterest expense to average assets | 2.6123% | 2,625 |
| Loan and lease loss provision to assets | 0.6668% | 431 |
| Net operating income to assets | 0.5534% | 3,878 |
| Return on assets (ROA) | 0.5489% | 3,970 |
| Pretax return on assets | 0.6774% | 3,917 |
| Return on Equity (ROE) | 5.4586% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.4586% | 2,290 |
| Net charge-offs to loans | 0.1999% | 765 |
| Credit loss provision to net charge-offs | 412.7838% | 1,381 |
| Earnings coverage of net charge-offs (x) | 8.3560% | 2,292 |
| Efficiency ratio | 65.8305% | 2,547 |
| Assets per employee ($millions) | 6.7151% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 3,766 |
| Loan loss allowance to noncurrent loans | 71.6603% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 948 |
| Noncurrent loans to loans | 1.3352% | 1,151 |
| Net loans and leases to total assets | 78.6536% | 762 |
| Net loans and leases to deposits | 95.0696% | 867 |
| Net loans and leases to core deposits | 100.0175% | 1,251 |
| Total domestic deposits to total assets | 82.7326% | 3,169 |
| Equity capital to assets | 9.3616% | 3,767 |
| Core capital (leverage) ratio | 9.7957% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2898% | 2,489 |
| Memoranda: | ||
| Average total assets | $1,036,333,667 | 819 |
| Average earning assets | $968,460,000 | 811 |
| Average equity | $104,202,333 | 920 |
| Average total loans | $837,432,667 | 747 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 1,863 |
| Cost of funding earning assets | 1.0531% | 1,207 |
| Net interest margin | 3.5949% | 2,682 |
| Noninterest income to average assets | 0.6252% | 1,929 |
| Noninterest expense to average assets | 2.8456% | 2,291 |
| Loan and lease loss provision to assets | 0.4846% | 611 |
| Net operating income to assets | 0.5228% | 3,832 |
| Return on assets (ROA) | 0.5133% | 3,919 |
| Pretax return on assets | 0.6373% | 3,845 |
| Return on Equity (ROE) | 4.9122% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.9122% | 2,311 |
| Net charge-offs to loans | 0.2648% | 551 |
| Credit loss provision to net charge-offs | 224.2991% | 1,355 |
| Earnings coverage of net charge-offs (x) | 5.2467% | 2,077 |
| Efficiency ratio | 71.3996% | 2,170 |
| Assets per employee ($millions) | 6.0666% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,389 |
| Loan loss allowance to noncurrent loans | 80.3788% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 1,395 |
| Noncurrent loans to loans | 1.0081% | 1,643 |
| Net loans and leases to total assets | 80.4686% | 640 |
| Net loans and leases to deposits | 100.4872% | 523 |
| Net loans and leases to core deposits | 106.3991% | 1,035 |
| Total domestic deposits to total assets | 80.0784% | 3,840 |
| Equity capital to assets | 10.4863% | 3,337 |
| Core capital (leverage) ratio | 10.6808% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7970% | 2,795 |
| Memoranda: | ||
| Average total assets | $990,432,000 | 829 |
| Average earning assets | $924,098,500 | 818 |
| Average equity | $103,497,500 | 925 |
| Average total loans | $808,203,000 | 741 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 2,052 |
| Cost of funding earning assets | 1.0189% | 1,639 |
| Net interest margin | 3.7766% | 2,582 |
| Noninterest income to average assets | 0.6017% | 2,208 |
| Noninterest expense to average assets | 2.9314% | 2,204 |
| Loan and lease loss provision to assets | 0.2674% | 675 |
| Net operating income to assets | 0.7434% | 3,724 |
| Return on assets (ROA) | 0.7372% | 3,815 |
| Pretax return on assets | 0.9034% | 3,734 |
| Return on Equity (ROE) | 7.3453% | 3,424 |
| Retained earnings to average equity (ytd only) | 1.8217% | 4,070 |
| Net charge-offs to loans | 0.4247% | 455 |
| Credit loss provision to net charge-offs | 78.0457% | 2,817 |
| Earnings coverage of net charge-offs (x) | 3.4391% | 3,321 |
| Efficiency ratio | 71.2434% | 1,981 |
| Assets per employee ($millions) | 5.8663% | 1,742 |
| Cash dividends to net income (ytd only)* | 75.1991% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 4,472 |
| Loan loss allowance to noncurrent loans | 66.7115% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 1,167 |
| Noncurrent loans to loans | 1.1164% | 1,355 |
| Net loans and leases to total assets | 81.4810% | 617 |
| Net loans and leases to deposits | 99.6250% | 631 |
| Net loans and leases to core deposits | 105.5003% | 1,143 |
| Total domestic deposits to total assets | 81.7877% | 3,564 |
| Equity capital to assets | 10.4119% | 3,530 |
| Core capital (leverage) ratio | 10.8383% | 2,648 |
| Tier 1 risk-based capital ratio | 12.1312% | 4,283 |
| Total risk-based capital ratio | 12.8267% | 4,471 |
| Memoranda: | ||
| Average total assets | $919,941,200 | 856 |
| Average earning assets | $854,520,600 | 847 |
| Average equity | $92,330,600 | 956 |
| Average total loans | $742,118,200 | 770 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 2,106 |
| Cost of funding earning assets | 0.9995% | 1,766 |
| Net interest margin | 3.8049% | 2,582 |
| Noninterest income to average assets | 0.5988% | 2,208 |
| Noninterest expense to average assets | 2.9558% | 2,090 |
| Loan and lease loss provision to assets | 0.2956% | 505 |
| Net operating income to assets | 0.7166% | 3,962 |
| Return on assets (ROA) | 0.7118% | 4,045 |
| Pretax return on assets | 0.8706% | 3,955 |
| Return on Equity (ROE) | 7.1635% | 3,620 |
| Retained earnings to average equity (ytd only) | 7.1635% | 1,781 |
| Net charge-offs to loans | 0.1379% | 1,163 |
| Credit loss provision to net charge-offs | 266.9323% | 1,037 |
| Earnings coverage of net charge-offs (x) | 10.5831% | 2,491 |
| Efficiency ratio | 71.4912% | 1,901 |
| Assets per employee ($millions) | 5.7675% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,397 |
| Loan loss allowance to noncurrent loans | 90.0114% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 1,206 |
| Noncurrent loans to loans | 1.1449% | 1,380 |
| Net loans and leases to total assets | 80.2433% | 818 |
| Net loans and leases to deposits | 96.2417% | 989 |
| Net loans and leases to core deposits | 101.7938% | 1,521 |
| Total domestic deposits to total assets | 83.3768% | 3,030 |
| Equity capital to assets | 10.5643% | 3,493 |
| Core capital (leverage) ratio | 11.0090% | 2,630 |
| Tier 1 risk-based capital ratio | 12.4712% | 4,158 |
| Total risk-based capital ratio | 13.4356% | 4,205 |
| Memoranda: | ||
| Average total assets | $906,473,750 | 871 |
| Average earning assets | $840,795,000 | 860 |
| Average equity | $90,065,250 | 977 |
| Average total loans | $727,791,500 | 783 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 2,356 |
| Cost of funding earning assets | 0.9475% | 1,929 |
| Net interest margin | 3.7535% | 2,743 |
| Noninterest income to average assets | 0.5940% | 2,179 |
| Noninterest expense to average assets | 3.0230% | 1,943 |
| Loan and lease loss provision to assets | 0.3493% | 370 |
| Net operating income to assets | 0.5828% | 4,353 |
| Return on assets (ROA) | 0.5754% | 4,405 |
| Pretax return on assets | 0.6938% | 4,344 |
| Return on Equity (ROE) | 5.9231% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9231% | 2,318 |
| Net charge-offs to loans | 0.0974% | 1,389 |
| Credit loss provision to net charge-offs | 448.2759% | 653 |
| Earnings coverage of net charge-offs (x) | 13.5029% | 2,095 |
| Efficiency ratio | 74.0084% | 1,649 |
| Assets per employee ($millions) | 5.5666% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,313 |
| Loan loss allowance to noncurrent loans | 127.8139% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 1,666 |
| Noncurrent loans to loans | 0.8251% | 1,940 |
| Net loans and leases to total assets | 80.7613% | 765 |
| Net loans and leases to deposits | 99.3723% | 721 |
| Net loans and leases to core deposits | 104.0779% | 1,382 |
| Total domestic deposits to total assets | 81.2714% | 3,728 |
| Equity capital to assets | 10.6306% | 3,406 |
| Core capital (leverage) ratio | 11.0359% | 2,566 |
| Tier 1 risk-based capital ratio | 12.6206% | 4,064 |
| Total risk-based capital ratio | 13.6150% | 4,080 |
| Memoranda: | ||
| Average total assets | $893,341,000 | 882 |
| Average earning assets | $828,510,000 | 868 |
| Average equity | $86,778,670 | 1,006 |
| Average total loans | $714,754,670 | 788 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 2,621 |
| Cost of funding earning assets | 0.8500% | 2,272 |
| Net interest margin | 3.7258% | 2,797 |
| Noninterest income to average assets | 0.5532% | 2,270 |
| Noninterest expense to average assets | 3.0436% | 1,864 |
| Loan and lease loss provision to assets | 0.3531% | 336 |
| Net operating income to assets | 0.5034% | 4,512 |
| Return on assets (ROA) | 0.5034% | 4,531 |
| Pretax return on assets | 0.6053% | 4,505 |
| Return on Equity (ROE) | 5.4481% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.4481% | 2,713 |
| Net charge-offs to loans | 0.1389% | 915 |
| Credit loss provision to net charge-offs | 320.9877% | 790 |
| Earnings coverage of net charge-offs (x) | 8.7119% | 2,072 |
| Efficiency ratio | 75.6900% | 1,530 |
| Assets per employee ($millions) | 5.5649% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,658 |
| Loan loss allowance to noncurrent loans | 125.7528% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 1,711 |
| Noncurrent loans to loans | 0.7999% | 2,038 |
| Net loans and leases to total assets | 79.8894% | 850 |
| Net loans and leases to deposits | 100.2297% | 615 |
| Net loans and leases to core deposits | 104.2104% | 1,304 |
| Total domestic deposits to total assets | 79.7063% | 4,219 |
| Equity capital to assets | 10.6269% | 3,227 |
| Core capital (leverage) ratio | 11.3395% | 2,252 |
| Tier 1 risk-based capital ratio | 12.9498% | 3,900 |
| Total risk-based capital ratio | 13.8964% | 3,955 |
| Memoranda: | ||
| Average total assets | $883,547,000 | 890 |
| Average earning assets | $817,859,000 | 879 |
| Average equity | $81,643,000 | 1,053 |
| Average total loans | $699,556,500 | 815 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 2,147 |
| Cost of funding earning assets | 0.6937% | 2,128 |
| Net interest margin | 3.9004% | 2,326 |
| Noninterest income to average assets | 0.6294% | 2,151 |
| Noninterest expense to average assets | 3.2545% | 1,426 |
| Loan and lease loss provision to assets | 0.2636% | 644 |
| Net operating income to assets | 0.5769% | 4,481 |
| Return on assets (ROA) | 0.5747% | 4,495 |
| Pretax return on assets | 0.7019% | 4,410 |
| Return on Equity (ROE) | 7.5399% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.5399% | 1,440 |
| Net charge-offs to loans | 0.1457% | 1,315 |
| Credit loss provision to net charge-offs | 230.5159% | 1,280 |
| Earnings coverage of net charge-offs (x) | 8.4687% | 2,894 |
| Efficiency ratio | 76.6933% | 1,267 |
| Assets per employee ($millions) | 5.4127% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,862 |
| Loan loss allowance to noncurrent loans | 117.2341% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 1,673 |
| Noncurrent loans to loans | 0.8275% | 1,945 |
| Net loans and leases to total assets | 76.8930% | 1,457 |
| Net loans and leases to deposits | 97.8898% | 913 |
| Net loans and leases to core deposits | 100.1506% | 1,708 |
| Total domestic deposits to total assets | 78.5505% | 4,403 |
| Equity capital to assets | 7.8498% | 5,210 |
| Core capital (leverage) ratio | 8.7993% | 4,811 |
| Tier 1 risk-based capital ratio | 10.1647% | 5,262 |
| Total risk-based capital ratio | 11.0705% | 5,303 |
| Memoranda: | ||
| Average total assets | $796,802,000 | 953 |
| Average earning assets | $734,079,600 | 955 |
| Average equity | $60,730,600 | 1,306 |
| Average total loans | $625,430,200 | 860 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 2,050 |
| Cost of funding earning assets | 0.6436% | 2,182 |
| Net interest margin | 3.9332% | 2,184 |
| Noninterest income to average assets | 0.6021% | 2,296 |
| Noninterest expense to average assets | 3.2824% | 1,335 |
| Loan and lease loss provision to assets | 0.2708% | 561 |
| Net operating income to assets | 0.5727% | 4,581 |
| Return on assets (ROA) | 0.5695% | 4,592 |
| Pretax return on assets | 0.6632% | 4,617 |
| Return on Equity (ROE) | 7.5357% | 3,735 |
| Retained earnings to average equity (ytd only) | 7.5357% | 1,872 |
| Net charge-offs to loans | 0.1577% | 1,050 |
| Credit loss provision to net charge-offs | 218.1440% | 1,294 |
| Earnings coverage of net charge-offs (x) | 7.5540% | 2,797 |
| Efficiency ratio | 77.2612% | 1,200 |
| Assets per employee ($millions) | 5.0904% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 4,018 |
| Loan loss allowance to noncurrent loans | 74.3490% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 1,114 |
| Noncurrent loans to loans | 1.2891% | 1,305 |
| Net loans and leases to total assets | 79.5621% | 1,082 |
| Net loans and leases to deposits | 93.4243% | 1,445 |
| Net loans and leases to core deposits | 95.4955% | 2,164 |
| Total domestic deposits to total assets | 85.1621% | 2,541 |
| Equity capital to assets | 7.3422% | 5,338 |
| Core capital (leverage) ratio | 8.2379% | 5,229 |
| Tier 1 risk-based capital ratio | 9.4185% | 5,439 |
| Total risk-based capital ratio | 10.3115% | 5,451 |
| Memoranda: | ||
| Average total assets | $775,435,500 | 971 |
| Average earning assets | $713,302,500 | 971 |
| Average equity | $58,599,250 | 1,349 |
| Average total loans | $610,525,750 | 876 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,473 |
| Cost of funding earning assets | 0.5940% | 2,266 |
| Net interest margin | 3.7908% | 2,592 |
| Noninterest income to average assets | 0.5321% | 2,674 |
| Noninterest expense to average assets | 3.3276% | 1,255 |
| Loan and lease loss provision to assets | 0.2761% | 536 |
| Net operating income to assets | 0.3402% | 5,060 |
| Return on assets (ROA) | 0.3399% | 5,060 |
| Pretax return on assets | 0.4133% | 5,031 |
| Return on Equity (ROE) | 4.4529% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.4529% | 3,370 |
| Net charge-offs to loans | 0.1911% | 818 |
| Credit loss provision to net charge-offs | 184.8592% | 1,376 |
| Earnings coverage of net charge-offs (x) | 4.6180% | 2,776 |
| Efficiency ratio | 82.0746% | 828 |
| Assets per employee ($millions) | 5.0299% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,130 |
| Loan loss allowance to noncurrent loans | 59.5448% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 896 |
| Noncurrent loans to loans | 1.5903% | 1,023 |
| Net loans and leases to total assets | 78.6664% | 1,215 |
| Net loans and leases to deposits | 91.4194% | 1,660 |
| Net loans and leases to core deposits | 97.0584% | 1,958 |
| Total domestic deposits to total assets | 86.0500% | 2,253 |
| Equity capital to assets | 7.4290% | 5,392 |
| Core capital (leverage) ratio | 8.3288% | 5,198 |
| Tier 1 risk-based capital ratio | 9.6176% | 5,484 |
| Total risk-based capital ratio | 10.5030% | 5,497 |
| Memoranda: | ||
| Average total assets | $760,730,000 | 986 |
| Average earning assets | $699,375,670 | 990 |
| Average equity | $58,074,670 | 1,360 |
| Average total loans | $594,580,000 | 897 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 2,562 |
| Cost of funding earning assets | 0.5339% | 2,520 |
| Net interest margin | 3.7559% | 2,592 |
| Noninterest income to average assets | 0.6405% | 2,072 |
| Noninterest expense to average assets | 3.3833% | 1,187 |
| Loan and lease loss provision to assets | 0.2814% | 478 |
| Net operating income to assets | 0.3552% | 5,004 |
| Return on assets (ROA) | 0.3543% | 5,010 |
| Pretax return on assets | 0.4251% | 4,996 |
| Return on Equity (ROE) | 4.5761% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.5761% | 3,371 |
| Net charge-offs to loans | 0.2497% | 614 |
| Credit loss provision to net charge-offs | 145.4294% | 1,251 |
| Earnings coverage of net charge-offs (x) | 3.6565% | 2,366 |
| Efficiency ratio | 82.5734% | 897 |
| Assets per employee ($millions) | 4.9055% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,170 |
| Loan loss allowance to noncurrent loans | 53.4519% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6988% | 752 |
| Noncurrent loans to loans | 1.7978% | 932 |
| Net loans and leases to total assets | 77.1864% | 1,359 |
| Net loans and leases to deposits | 86.9656% | 2,054 |
| Net loans and leases to core deposits | 92.1932% | 2,282 |
| Total domestic deposits to total assets | 88.7551% | 1,230 |
| Equity capital to assets | 7.6707% | 5,374 |
| Core capital (leverage) ratio | 8.5191% | 5,130 |
| Tier 1 risk-based capital ratio | 10.1944% | 5,447 |
| Total risk-based capital ratio | 11.0926% | 5,483 |
| Memoranda: | ||
| Average total assets | $746,246,000 | 1,007 |
| Average earning assets | $685,538,500 | 1,013 |
| Average equity | $57,778,500 | 1,374 |
| Average total loans | $578,287,000 | 928 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,698 |
| Cost of funding earning assets | 0.4717% | 2,592 |
| Net interest margin | 3.7248% | 2,697 |
| Noninterest income to average assets | 1.0733% | 887 |
| Noninterest expense to average assets | 3.4170% | 1,175 |
| Loan and lease loss provision to assets | 0.1236% | 1,852 |
| Net operating income to assets | 0.4369% | 4,572 |
| Return on assets (ROA) | 0.4345% | 4,604 |
| Pretax return on assets | 0.9288% | 3,817 |
| Return on Equity (ROE) | 5.5122% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.5122% | 1,809 |
| Net charge-offs to loans | 0.2430% | 1,070 |
| Credit loss provision to net charge-offs | 68.2335% | 3,113 |
| Earnings coverage of net charge-offs (x) | 5.8287% | 3,266 |
| Efficiency ratio | 76.1832% | 1,588 |
| Assets per employee ($millions) | 4.8493% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,185 |
| Loan loss allowance to noncurrent loans | 58.5264% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 859 |
| Noncurrent loans to loans | 1.6311% | 1,012 |
| Net loans and leases to total assets | 76.3097% | 1,539 |
| Net loans and leases to deposits | 85.8061% | 2,285 |
| Net loans and leases to core deposits | 90.4451% | 2,521 |
| Total domestic deposits to total assets | 88.9326% | 1,033 |
| Equity capital to assets | 7.8152% | 5,455 |
| Core capital (leverage) ratio | 8.5695% | 5,073 |
| Tier 1 risk-based capital ratio | 10.5368% | 5,360 |
| Total risk-based capital ratio | 11.4470% | 5,400 |
| Memoranda: | ||
| Average total assets | $727,913,800 | 1,008 |
| Average earning assets | $664,418,800 | 1,019 |
| Average equity | $57,382,200 | 1,370 |
| Average total loans | $542,817,600 | 943 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,715 |
| Cost of funding earning assets | 0.4684% | 2,536 |
| Net interest margin | 3.7008% | 2,762 |
| Noninterest income to average assets | 1.2586% | 663 |
| Noninterest expense to average assets | 3.4321% | 1,098 |
| Loan and lease loss provision to assets | 0.1242% | 1,741 |
| Net operating income to assets | 0.8029% | 3,512 |
| Return on assets (ROA) | 0.8010% | 3,565 |
| Pretax return on assets | 1.0719% | 3,414 |
| Return on Equity (ROE) | 10.1387% | 2,066 |
| Retained earnings to average equity (ytd only) | 10.1387% | 555 |
| Net charge-offs to loans | 0.2858% | 756 |
| Credit loss provision to net charge-offs | 58.7979% | 2,818 |
| Earnings coverage of net charge-offs (x) | 5.6733% | 3,072 |
| Efficiency ratio | 73.8871% | 1,914 |
| Assets per employee ($millions) | 4.8091% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 4,192 |
| Loan loss allowance to noncurrent loans | 69.7792% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 1,100 |
| Noncurrent loans to loans | 1.4023% | 1,332 |
| Net loans and leases to total assets | 74.7960% | 1,788 |
| Net loans and leases to deposits | 83.8368% | 2,575 |
| Net loans and leases to core deposits | 88.6752% | 2,714 |
| Total domestic deposits to total assets | 89.2162% | 774 |
| Equity capital to assets | 8.2287% | 5,429 |
| Core capital (leverage) ratio | 8.6134% | 5,144 |
| Tier 1 risk-based capital ratio | 10.9159% | 5,290 |
| Total risk-based capital ratio | 11.8490% | 5,350 |
| Memoranda: | ||
| Average total assets | $724,405,250 | 1,021 |
| Average earning assets | $660,084,750 | 1,031 |
| Average equity | $57,231,500 | 1,384 |
| Average total loans | $535,613,250 | 958 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,752 |
| Cost of funding earning assets | 0.4665% | 2,443 |
| Net interest margin | 3.6573% | 2,807 |
| Noninterest income to average assets | 0.9839% | 1,057 |
| Noninterest expense to average assets | 3.5181% | 985 |
| Loan and lease loss provision to assets | 0.1246% | 1,660 |
| Net operating income to assets | 0.4698% | 4,793 |
| Return on assets (ROA) | 0.4675% | 4,828 |
| Pretax return on assets | 0.6660% | 4,645 |
| Return on Equity (ROE) | 6.0009% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.0009% | 2,114 |
| Net charge-offs to loans | 0.3199% | 636 |
| Credit loss provision to net charge-offs | 53.0660% | 2,530 |
| Earnings coverage of net charge-offs (x) | 3.3809% | 3,055 |
| Efficiency ratio | 81.3178% | 1,072 |
| Assets per employee ($millions) | 4.3943% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 4,085 |
| Loan loss allowance to noncurrent loans | 69.6592% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 1,095 |
| Noncurrent loans to loans | 1.4495% | 1,310 |
| Net loans and leases to total assets | 73.6256% | 1,940 |
| Net loans and leases to deposits | 80.9687% | 2,809 |
| Net loans and leases to core deposits | 85.7817% | 2,902 |
| Total domestic deposits to total assets | 90.9309% | 239 |
| Equity capital to assets | 7.8805% | 5,581 |
| Core capital (leverage) ratio | 8.2727% | 5,374 |
| Tier 1 risk-based capital ratio | 10.3361% | 5,527 |
| Total risk-based capital ratio | 11.2959% | 5,566 |
| Memoranda: | ||
| Average total assets | $722,211,000 | 1,028 |
| Average earning assets | $657,203,670 | 1,034 |
| Average equity | $56,258,330 | 1,411 |
| Average total loans | $530,100,000 | 968 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 2,845 |
| Cost of funding earning assets | 0.4676% | 2,364 |
| Net interest margin | 3.5848% | 2,938 |
| Noninterest income to average assets | 0.9725% | 1,054 |
| Noninterest expense to average assets | 3.7101% | 767 |
| Loan and lease loss provision to assets | 0.1252% | 1,535 |
| Net operating income to assets | 0.2712% | 5,262 |
| Return on assets (ROA) | 0.2689% | 5,285 |
| Pretax return on assets | 0.3897% | 5,176 |
| Return on Equity (ROE) | 3.4720% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.4720% | 3,699 |
| Net charge-offs to loans | 0.3535% | 517 |
| Credit loss provision to net charge-offs | 48.5961% | 1,997 |
| Earnings coverage of net charge-offs (x) | 2.0108% | 2,652 |
| Efficiency ratio | 87.4671% | 700 |
| Assets per employee ($millions) | 4.1557% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,903 |
| Loan loss allowance to noncurrent loans | 70.2730% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 1,070 |
| Noncurrent loans to loans | 1.5158% | 1,313 |
| Net loans and leases to total assets | 73.2603% | 1,862 |
| Net loans and leases to deposits | 80.4997% | 2,686 |
| Net loans and leases to core deposits | 85.2902% | 2,784 |
| Total domestic deposits to total assets | 91.0069% | 299 |
| Equity capital to assets | 7.8243% | 5,591 |
| Core capital (leverage) ratio | 8.0990% | 5,509 |
| Tier 1 risk-based capital ratio | 10.3027% | 5,620 |
| Total risk-based capital ratio | 11.3081% | 5,643 |
| Memoranda: | ||
| Average total assets | $718,587,500 | 1,035 |
| Average earning assets | $652,638,000 | 1,041 |
| Average equity | $55,645,000 | 1,416 |
| Average total loans | $523,877,000 | 978 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,072 |
| Cost of funding earning assets | 0.4596% | 2,448 |
| Net interest margin | 3.5775% | 3,155 |
| Noninterest income to average assets | 0.9660% | 1,225 |
| Noninterest expense to average assets | 3.4431% | 1,270 |
| Loan and lease loss provision to assets | 0.1718% | 1,415 |
| Net operating income to assets | 0.4042% | 4,925 |
| Return on assets (ROA) | 0.4043% | 5,011 |
| Pretax return on assets | 0.5933% | 4,807 |
| Return on Equity (ROE) | 5.0687% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.0687% | 2,300 |
| Net charge-offs to loans | 0.1492% | 1,773 |
| Credit loss provision to net charge-offs | 163.4877% | 1,692 |
| Earnings coverage of net charge-offs (x) | 7.2807% | 3,039 |
| Efficiency ratio | 81.4082% | 1,268 |
| Assets per employee ($millions) | 4.2000% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,527 |
| Loan loss allowance to noncurrent loans | 75.0543% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 1,166 |
| Noncurrent loans to loans | 1.5100% | 1,323 |
| Net loans and leases to total assets | 70.9570% | 2,339 |
| Net loans and leases to deposits | 78.9700% | 2,995 |
| Net loans and leases to core deposits | 83.8603% | 3,038 |
| Total domestic deposits to total assets | 89.8532% | 701 |
| Equity capital to assets | 7.6639% | 5,673 |
| Core capital (leverage) ratio | 8.0833% | 5,572 |
| Tier 1 risk-based capital ratio | 10.3681% | 5,627 |
| Total risk-based capital ratio | 11.4292% | 5,639 |
| Memoranda: | ||
| Average total assets | $698,665,400 | 1,023 |
| Average earning assets | $633,148,200 | 1,026 |
| Average equity | $55,734,200 | 1,378 |
| Average total loans | $491,959,200 | 988 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 3,132 |
| Cost of funding earning assets | 0.4582% | 2,476 |
| Net interest margin | 3.5653% | 3,211 |
| Noninterest income to average assets | 0.9681% | 1,219 |
| Noninterest expense to average assets | 3.4348% | 1,278 |
| Loan and lease loss provision to assets | 0.1877% | 1,165 |
| Net operating income to assets | 0.4086% | 4,990 |
| Return on assets (ROA) | 0.4084% | 5,083 |
| Pretax return on assets | 0.5759% | 4,942 |
| Return on Equity (ROE) | 5.0679% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.0679% | 2,779 |
| Net charge-offs to loans | 0.1066% | 1,879 |
| Credit loss provision to net charge-offs | 251.2887% | 1,193 |
| Earnings coverage of net charge-offs (x) | 10.2268% | 2,598 |
| Efficiency ratio | 81.3789% | 1,260 |
| Assets per employee ($millions) | 4.1234% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,225 |
| Loan loss allowance to noncurrent loans | 87.4964% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3065% | 1,468 |
| Noncurrent loans to loans | 1.3730% | 1,606 |
| Net loans and leases to total assets | 68.3465% | 2,747 |
| Net loans and leases to deposits | 75.0612% | 3,492 |
| Net loans and leases to core deposits | 79.6896% | 3,479 |
| Total domestic deposits to total assets | 91.0543% | 182 |
| Equity capital to assets | 7.8941% | 5,771 |
| Core capital (leverage) ratio | 8.0249% | 5,675 |
| Tier 1 risk-based capital ratio | 10.5189% | 5,613 |
| Total risk-based capital ratio | 11.6367% | 5,593 |
| Memoranda: | ||
| Average total assets | $692,731,250 | 1,035 |
| Average earning assets | $627,664,250 | 1,036 |
| Average equity | $55,826,750 | 1,385 |
| Average total loans | $485,331,250 | 1,001 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,009 |
| Cost of funding earning assets | 0.4536% | 2,536 |
| Net interest margin | 3.6110% | 3,055 |
| Noninterest income to average assets | 0.9603% | 1,216 |
| Noninterest expense to average assets | 3.4056% | 1,362 |
| Loan and lease loss provision to assets | 0.2196% | 951 |
| Net operating income to assets | 0.4403% | 4,901 |
| Return on assets (ROA) | 0.4400% | 4,989 |
| Pretax return on assets | 0.6052% | 4,870 |
| Return on Equity (ROE) | 5.4213% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.4213% | 2,471 |
| Net charge-offs to loans | 0.0607% | 2,325 |
| Credit loss provision to net charge-offs | 513.6986% | 639 |
| Earnings coverage of net charge-offs (x) | 19.3014% | 1,785 |
| Efficiency ratio | 80.0623% | 1,489 |
| Assets per employee ($millions) | 4.0360% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 3,125 |
| Loan loss allowance to noncurrent loans | 105.7686% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 1,812 |
| Noncurrent loans to loans | 1.1734% | 1,956 |
| Net loans and leases to total assets | 67.7546% | 2,814 |
| Net loans and leases to deposits | 74.5499% | 3,520 |
| Net loans and leases to core deposits | 79.1168% | 3,540 |
| Total domestic deposits to total assets | 90.8848% | 212 |
| Equity capital to assets | 8.0535% | 5,789 |
| Core capital (leverage) ratio | 8.3001% | 5,536 |
| Tier 1 risk-based capital ratio | 10.7469% | 5,555 |
| Total risk-based capital ratio | 11.9052% | 5,515 |
| Memoranda: | ||
| Average total assets | $683,108,330 | 1,045 |
| Average earning assets | $618,665,670 | 1,055 |
| Average equity | $55,447,670 | 1,396 |
| Average total loans | $480,713,330 | 1,010 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 2,481 |
| Cost of funding earning assets | 0.4563% | 2,514 |
| Net interest margin | 3.7418% | 2,515 |
| Noninterest income to average assets | 0.9882% | 1,101 |
| Noninterest expense to average assets | 3.3893% | 1,403 |
| Loan and lease loss provision to assets | 0.2234% | 846 |
| Net operating income to assets | 0.5337% | 4,489 |
| Return on assets (ROA) | 0.5337% | 4,598 |
| Pretax return on assets | 0.7559% | 4,350 |
| Return on Equity (ROE) | 6.5484% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.5484% | 2,112 |
| Net charge-offs to loans | 0.0025% | 3,037 |
| Credit loss provision to net charge-offs | 12,500.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 548.0000% | 95 |
| Efficiency ratio | 77.1612% | 2,015 |
| Assets per employee ($millions) | 3.9476% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 3,479 |
| Loan loss allowance to noncurrent loans | 92.9582% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 1,627 |
| Noncurrent loans to loans | 1.2910% | 1,869 |
| Net loans and leases to total assets | 70.5157% | 2,265 |
| Net loans and leases to deposits | 77.8228% | 3,021 |
| Net loans and leases to core deposits | 83.1841% | 3,020 |
| Total domestic deposits to total assets | 90.6106% | 395 |
| Equity capital to assets | 8.2696% | 5,710 |
| Core capital (leverage) ratio | 8.3395% | 5,528 |
| Tier 1 risk-based capital ratio | 10.6147% | 5,703 |
| Total risk-based capital ratio | 11.7272% | 5,676 |
| Memoranda: | ||
| Average total assets | $671,516,500 | 1,054 |
| Average earning assets | $606,657,000 | 1,069 |
| Average equity | $54,731,000 | 1,414 |
| Average total loans | $478,790,500 | 1,013 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,057 |
| Cost of funding earning assets | 0.4973% | 2,178 |
| Net interest margin | 3.5660% | 3,254 |
| Noninterest income to average assets | 1.2174% | 808 |
| Noninterest expense to average assets | 4.0949% | 603 |
| Loan and lease loss provision to assets | 0.0226% | 3,932 |
| Net operating income to assets | 0.1461% | 5,687 |
| Return on assets (ROA) | 0.1468% | 5,738 |
| Pretax return on assets | 0.2963% | 5,521 |
| Return on Equity (ROE) | 1.8100% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.8100% | 4,698 |
| Net charge-offs to loans | 0.1085% | 2,301 |
| Credit loss provision to net charge-offs | 28.5714% | 3,673 |
| Earnings coverage of net charge-offs (x) | 4.0171% | 3,620 |
| Efficiency ratio | 87.8313% | 845 |
| Assets per employee ($millions) | 4.2012% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,823 |
| Loan loss allowance to noncurrent loans | 94.3989% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.3064% | 1,627 |
| Noncurrent loans to loans | 1.2045% | 1,960 |
| Net loans and leases to total assets | 70.4169% | 2,302 |
| Net loans and leases to deposits | 77.5349% | 3,099 |
| Net loans and leases to core deposits | 82.8501% | 3,063 |
| Total domestic deposits to total assets | 90.8196% | 328 |
| Equity capital to assets | 8.0298% | 5,839 |
| Core capital (leverage) ratio | 8.2625% | 5,632 |
| Tier 1 risk-based capital ratio | 10.7203% | 5,659 |
| Total risk-based capital ratio | 11.7771% | 5,681 |
| Memoranda: | ||
| Average total assets | $663,531,400 | 1,032 |
| Average earning assets | $594,552,000 | 1,053 |
| Average equity | $53,811,800 | 1,387 |
| Average total loans | $484,077,200 | 963 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,128 |
| Cost of funding earning assets | 0.5051% | 2,168 |
| Net interest margin | 3.5466% | 3,353 |
| Noninterest income to average assets | 1.3254% | 692 |
| Noninterest expense to average assets | 3.8428% | 801 |
| Loan and lease loss provision to assets | 0.2415% | 726 |
| Net operating income to assets | 0.2809% | 5,510 |
| Return on assets (ROA) | 0.2804% | 5,584 |
| Pretax return on assets | 0.4116% | 5,446 |
| Return on Equity (ROE) | 3.4487% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.4487% | 4,013 |
| Net charge-offs to loans | 0.3212% | 829 |
| Credit loss provision to net charge-offs | 102.4765% | 2,214 |
| Earnings coverage of net charge-offs (x) | 2.7746% | 3,603 |
| Efficiency ratio | 84.9425% | 1,089 |
| Assets per employee ($millions) | 4.1972% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 3,607 |
| Loan loss allowance to noncurrent loans | 50.3420% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.3389% | 771 |
| Noncurrent loans to loans | 2.3992% | 862 |
| Net loans and leases to total assets | 70.3757% | 2,339 |
| Net loans and leases to deposits | 77.6166% | 3,136 |
| Net loans and leases to core deposits | 82.8935% | 3,158 |
| Total domestic deposits to total assets | 90.6709% | 348 |
| Equity capital to assets | 8.1112% | 5,920 |
| Core capital (leverage) ratio | 8.0459% | 5,876 |
| Tier 1 risk-based capital ratio | 10.3748% | 5,930 |
| Total risk-based capital ratio | 11.4925% | 5,909 |
| Memoranda: | ||
| Average total assets | $662,415,250 | 1,043 |
| Average earning assets | $592,333,000 | 1,064 |
| Average equity | $53,855,000 | 1,392 |
| Average total loans | $486,148,500 | 967 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,073 |
| Cost of funding earning assets | 0.5104% | 2,159 |
| Net interest margin | 3.5398% | 3,340 |
| Noninterest income to average assets | 1.3235% | 701 |
| Noninterest expense to average assets | 3.8573% | 806 |
| Loan and lease loss provision to assets | 0.2736% | 603 |
| Net operating income to assets | 0.2310% | 5,623 |
| Return on assets (ROA) | 0.2310% | 5,696 |
| Pretax return on assets | 0.3508% | 5,573 |
| Return on Equity (ROE) | 2.8392% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.8392% | 4,236 |
| Net charge-offs to loans | 0.4342% | 591 |
| Credit loss provision to net charge-offs | 84.9858% | 2,274 |
| Earnings coverage of net charge-offs (x) | 1.9396% | 3,426 |
| Efficiency ratio | 85.5467% | 1,100 |
| Assets per employee ($millions) | 4.0470% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 4,029 |
| Loan loss allowance to noncurrent loans | 51.2433% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.3681% | 835 |
| Noncurrent loans to loans | 2.2629% | 1,048 |
| Net loans and leases to total assets | 71.3807% | 2,096 |
| Net loans and leases to deposits | 78.6092% | 2,958 |
| Net loans and leases to core deposits | 84.5555% | 2,925 |
| Total domestic deposits to total assets | 90.8045% | 357 |
| Equity capital to assets | 8.0065% | 5,980 |
| Core capital (leverage) ratio | 8.1719% | 5,809 |
| Tier 1 risk-based capital ratio | 10.1315% | 6,049 |
| Total risk-based capital ratio | 11.2008% | 6,056 |
| Memoranda: | ||
| Average total assets | $657,971,670 | 1,053 |
| Average earning assets | $587,046,000 | 1,080 |
| Average equity | $53,536,330 | 1,410 |
| Average total loans | $487,739,670 | 962 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,760 |
| Cost of funding earning assets | 0.5242% | 2,064 |
| Net interest margin | 3.5948% | 3,022 |
| Noninterest income to average assets | 1.1827% | 816 |
| Noninterest expense to average assets | 3.7496% | 934 |
| Loan and lease loss provision to assets | 0.2765% | 558 |
| Net operating income to assets | 0.2156% | 5,643 |
| Return on assets (ROA) | 0.2156% | 5,734 |
| Pretax return on assets | 0.3588% | 5,521 |
| Return on Equity (ROE) | 2.6287% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.6287% | 4,368 |
| Net charge-offs to loans | 0.8409% | 285 |
| Credit loss provision to net charge-offs | 43.7743% | 2,156 |
| Earnings coverage of net charge-offs (x) | 1.0058% | 2,978 |
| Efficiency ratio | 84.9797% | 1,272 |
| Assets per employee ($millions) | 4.0443% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 4,661 |
| Loan loss allowance to noncurrent loans | 43.8373% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 2.5660% | 822 |
| Noncurrent loans to loans | 2.4406% | 1,000 |
| Net loans and leases to total assets | 73.9446% | 1,512 |
| Net loans and leases to deposits | 81.6972% | 2,375 |
| Net loans and leases to core deposits | 88.2899% | 2,298 |
| Total domestic deposits to total assets | 90.5106% | 526 |
| Equity capital to assets | 8.2514% | 5,903 |
| Core capital (leverage) ratio | 8.2756% | 5,758 |
| Tier 1 risk-based capital ratio | 10.0949% | 6,143 |
| Total risk-based capital ratio | 11.0893% | 6,171 |
| Memoranda: | ||
| Average total assets | $651,055,000 | 1,068 |
| Average earning assets | $579,948,500 | 1,094 |
| Average equity | $53,410,500 | 1,423 |
| Average total loans | $489,027,000 | 960 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,746 |
| Cost of funding earning assets | 0.5727% | 2,021 |
| Net interest margin | 3.9620% | 2,004 |
| Noninterest income to average assets | 1.2742% | 746 |
| Noninterest expense to average assets | 4.2105% | 596 |
| Loan and lease loss provision to assets | 0.3748% | 498 |
| Net operating income to assets | 0.1611% | 5,850 |
| Return on assets (ROA) | 0.1618% | 5,898 |
| Pretax return on assets | 0.1926% | 5,884 |
| Return on Equity (ROE) | 1.8992% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.8992% | 4,855 |
| Net charge-offs to loans | 0.5017% | 816 |
| Credit loss provision to net charge-offs | 97.6801% | 2,482 |
| Earnings coverage of net charge-offs (x) | 1.4766% | 4,409 |
| Efficiency ratio | 87.6361% | 1,025 |
| Assets per employee ($millions) | 4.0184% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 4,138 |
| Loan loss allowance to noncurrent loans | 50.7634% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.5076% | 922 |
| Noncurrent loans to loans | 2.3192% | 1,123 |
| Net loans and leases to total assets | 74.5932% | 1,479 |
| Net loans and leases to deposits | 83.4073% | 2,283 |
| Net loans and leases to core deposits | 90.7456% | 2,207 |
| Total domestic deposits to total assets | 89.4324% | 1,000 |
| Equity capital to assets | 8.1560% | 5,984 |
| Core capital (leverage) ratio | 8.0447% | 5,971 |
| Tier 1 risk-based capital ratio | 9.7966% | 6,305 |
| Total risk-based capital ratio | 10.8982% | 6,309 |
| Memoranda: | ||
| Average total assets | $640,328,800 | 1,048 |
| Average earning assets | $566,134,000 | 1,070 |
| Average equity | $54,548,200 | 1,335 |
| Average total loans | $489,763,000 | 911 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 1,678 |
| Cost of funding earning assets | 0.5719% | 2,088 |
| Net interest margin | 3.9852% | 1,924 |
| Noninterest income to average assets | 1.5126% | 547 |
| Noninterest expense to average assets | 4.2535% | 583 |
| Loan and lease loss provision to assets | 0.3764% | 461 |
| Net operating income to assets | 0.3455% | 5,443 |
| Return on assets (ROA) | 0.3458% | 5,510 |
| Pretax return on assets | 0.4031% | 5,570 |
| Return on Equity (ROE) | 4.0160% | 5,161 |
| Retained earnings to average equity (ytd only) | 4.0160% | 3,789 |
| Net charge-offs to loans | 0.5438% | 702 |
| Credit loss provision to net charge-offs | 90.1804% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.8667% | 4,059 |
| Efficiency ratio | 84.0417% | 1,384 |
| Assets per employee ($millions) | 4.0307% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 4,602 |
| Loan loss allowance to noncurrent loans | 51.8505% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.8035% | 876 |
| Noncurrent loans to loans | 2.1816% | 1,402 |
| Net loans and leases to total assets | 75.1111% | 1,348 |
| Net loans and leases to deposits | 84.1141% | 2,132 |
| Net loans and leases to core deposits | 90.9414% | 2,127 |
| Total domestic deposits to total assets | 89.2967% | 1,074 |
| Equity capital to assets | 8.5063% | 5,793 |
| Core capital (leverage) ratio | 8.0098% | 6,064 |
| Tier 1 risk-based capital ratio | 9.7004% | 6,407 |
| Total risk-based capital ratio | 10.7523% | 6,409 |
| Memoranda: | ||
| Average total assets | $637,665,500 | 1,063 |
| Average earning assets | $563,235,750 | 1,087 |
| Average equity | $54,911,750 | 1,333 |
| Average total loans | $489,360,500 | 917 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 1,830 |
| Cost of funding earning assets | 0.5578% | 2,285 |
| Net interest margin | 3.9433% | 2,000 |
| Noninterest income to average assets | 1.4546% | 574 |
| Noninterest expense to average assets | 4.3056% | 547 |
| Loan and lease loss provision to assets | 0.3802% | 452 |
| Net operating income to assets | 0.2004% | 5,838 |
| Return on assets (ROA) | 0.2009% | 5,892 |
| Pretax return on assets | 0.2459% | 5,879 |
| Return on Equity (ROE) | 2.3229% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.3229% | 4,721 |
| Net charge-offs to loans | 0.6163% | 645 |
| Credit loss provision to net charge-offs | 80.1068% | 2,331 |
| Earnings coverage of net charge-offs (x) | 1.3178% | 3,842 |
| Efficiency ratio | 86.8213% | 1,190 |
| Assets per employee ($millions) | 3.7670% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 4,840 |
| Loan loss allowance to noncurrent loans | 65.9137% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.4284% | 1,183 |
| Noncurrent loans to loans | 1.6910% | 2,054 |
| Net loans and leases to total assets | 75.0375% | 1,301 |
| Net loans and leases to deposits | 83.8505% | 2,050 |
| Net loans and leases to core deposits | 91.2688% | 1,999 |
| Total domestic deposits to total assets | 89.4897% | 1,096 |
| Equity capital to assets | 8.3988% | 5,883 |
| Core capital (leverage) ratio | 8.0823% | 6,034 |
| Tier 1 risk-based capital ratio | 9.5228% | 6,489 |
| Total risk-based capital ratio | 10.5578% | 6,503 |
| Memoranda: | ||
| Average total assets | $631,222,000 | 1,069 |
| Average earning assets | $556,493,670 | 1,097 |
| Average equity | $54,587,000 | 1,332 |
| Average total loans | $486,106,330 | 919 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 1,256 |
| Cost of funding earning assets | 0.5270% | 2,637 |
| Net interest margin | 4.1730% | 1,286 |
| Noninterest income to average assets | 1.2541% | 701 |
| Noninterest expense to average assets | 4.2707% | 565 |
| Loan and lease loss provision to assets | 0.3877% | 434 |
| Net operating income to assets | 0.2093% | 5,775 |
| Return on assets (ROA) | 0.2093% | 5,829 |
| Pretax return on assets | 0.2636% | 5,793 |
| Return on Equity (ROE) | 2.3843% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.3843% | 4,645 |
| Net charge-offs to loans | 0.8958% | 390 |
| Credit loss provision to net charge-offs | 55.7621% | 2,147 |
| Earnings coverage of net charge-offs (x) | 0.9368% | 3,228 |
| Efficiency ratio | 86.2694% | 1,423 |
| Assets per employee ($millions) | 3.5748% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,101 |
| Loan loss allowance to noncurrent loans | 59.8350% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.5024% | 1,274 |
| Noncurrent loans to loans | 1.8447% | 2,077 |
| Net loans and leases to total assets | 76.8537% | 901 |
| Net loans and leases to deposits | 86.3143% | 1,559 |
| Net loans and leases to core deposits | 94.1532% | 1,540 |
| Total domestic deposits to total assets | 89.0393% | 1,634 |
| Equity capital to assets | 8.7334% | 5,417 |
| Core capital (leverage) ratio | 8.3701% | 5,780 |
| Tier 1 risk-based capital ratio | 9.6712% | 6,530 |
| Total risk-based capital ratio | 10.6954% | 6,539 |
| Memoranda: | ||
| Average total assets | $619,103,500 | 1,100 |
| Average earning assets | $544,166,500 | 1,123 |
| Average equity | $54,355,000 | 1,334 |
| Average total loans | $480,467,500 | 931 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 1,481 |
| Cost of funding earning assets | 0.5340% | 3,254 |
| Net interest margin | 4.2010% | 1,354 |
| Noninterest income to average assets | 1.6207% | 544 |
| Noninterest expense to average assets | 4.4878% | 534 |
| Loan and lease loss provision to assets | 0.4957% | 568 |
| Net operating income to assets | 0.2738% | 5,607 |
| Return on assets (ROA) | 0.2492% | 5,762 |
| Pretax return on assets | 0.2923% | 5,756 |
| Return on Equity (ROE) | 2.8137% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.8137% | 4,242 |
| Net charge-offs to loans | 0.4143% | 1,614 |
| Credit loss provision to net charge-offs | 160.4278% | 1,428 |
| Earnings coverage of net charge-offs (x) | 2.6439% | 4,112 |
| Efficiency ratio | 83.9361% | 1,631 |
| Assets per employee ($millions) | 3.4807% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 4,495 |
| Loan loss allowance to noncurrent loans | 55.7443% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.8214% | 1,148 |
| Noncurrent loans to loans | 2.2074% | 1,764 |
| Net loans and leases to total assets | 76.5467% | 1,000 |
| Net loans and leases to deposits | 86.2012% | 1,655 |
| Net loans and leases to core deposits | 93.5061% | 1,633 |
| Total domestic deposits to total assets | 88.8000% | 1,754 |
| Equity capital to assets | 8.8268% | 5,226 |
| Core capital (leverage) ratio | 8.4466% | 5,729 |
| Tier 1 risk-based capital ratio | 9.8195% | 6,553 |
| Total risk-based capital ratio | 10.9604% | 6,552 |
| Memoranda: | ||
| Average total assets | $605,174,000 | 1,097 |
| Average earning assets | $530,706,600 | 1,142 |
| Average equity | $53,595,200 | 1,324 |
| Average total loans | $451,314,200 | 946 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,223 |
| Cost of funding earning assets | 0.5441% | 3,331 |
| Net interest margin | 4.3122% | 1,067 |
| Noninterest income to average assets | 1.6917% | 529 |
| Noninterest expense to average assets | 4.4073% | 570 |
| Loan and lease loss provision to assets | 0.3978% | 764 |
| Net operating income to assets | 0.4793% | 4,891 |
| Return on assets (ROA) | 0.4515% | 5,156 |
| Pretax return on assets | 0.6296% | 4,914 |
| Return on Equity (ROE) | 5.0938% | 4,678 |
| Retained earnings to average equity (ytd only) | 5.0938% | 3,010 |
| Net charge-offs to loans | 0.4942% | 1,302 |
| Credit loss provision to net charge-offs | 109.0248% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.9219% | 3,861 |
| Efficiency ratio | 80.0703% | 2,088 |
| Assets per employee ($millions) | 3.4136% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 5,536 |
| Loan loss allowance to noncurrent loans | 55.9121% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.6486% | 1,426 |
| Noncurrent loans to loans | 1.8729% | 2,406 |
| Net loans and leases to total assets | 76.0220% | 1,002 |
| Net loans and leases to deposits | 86.1759% | 1,595 |
| Net loans and leases to core deposits | 93.1479% | 1,652 |
| Total domestic deposits to total assets | 88.2172% | 1,986 |
| Equity capital to assets | 8.9690% | 5,223 |
| Core capital (leverage) ratio | 8.7521% | 5,474 |
| Tier 1 risk-based capital ratio | 10.4192% | 6,483 |
| Total risk-based capital ratio | 11.3940% | 6,529 |
| Memoranda: | ||
| Average total assets | $603,315,250 | 1,110 |
| Average earning assets | $529,084,500 | 1,157 |
| Average equity | $53,475,500 | 1,341 |
| Average total loans | $445,449,250 | 964 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 1,297 |
| Cost of funding earning assets | 0.5614% | 3,292 |
| Net interest margin | 4.2524% | 1,135 |
| Noninterest income to average assets | 1.6510% | 590 |
| Noninterest expense to average assets | 4.3438% | 602 |
| Loan and lease loss provision to assets | 0.3980% | 781 |
| Net operating income to assets | 0.4670% | 4,941 |
| Return on assets (ROA) | 0.4295% | 5,265 |
| Pretax return on assets | 0.5887% | 5,056 |
| Return on Equity (ROE) | 4.8650% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.8650% | 3,137 |
| Net charge-offs to loans | 0.4868% | 1,352 |
| Credit loss provision to net charge-offs | 112.2544% | 1,976 |
| Earnings coverage of net charge-offs (x) | 2.9280% | 3,550 |
| Efficiency ratio | 80.2490% | 2,119 |
| Assets per employee ($millions) | 3.2508% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,530 |
| Loan loss allowance to noncurrent loans | 48.8009% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.8038% | 1,475 |
| Noncurrent loans to loans | 2.2076% | 2,169 |
| Net loans and leases to total assets | 73.9433% | 1,257 |
| Net loans and leases to deposits | 84.2826% | 1,764 |
| Net loans and leases to core deposits | 91.4745% | 1,764 |
| Total domestic deposits to total assets | 87.7325% | 2,425 |
| Equity capital to assets | 8.8784% | 5,353 |
| Core capital (leverage) ratio | 8.6699% | 5,461 |
| Tier 1 risk-based capital ratio | 10.5745% | 6,481 |
| Total risk-based capital ratio | 11.5753% | 6,533 |
| Memoranda: | ||
| Average total assets | $603,019,330 | 1,113 |
| Average earning assets | $529,066,670 | 1,157 |
| Average equity | $53,237,000 | 1,349 |
| Average total loans | $439,203,000 | 971 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 1,274 |
| Cost of funding earning assets | 0.5860% | 3,249 |
| Net interest margin | 4.2212% | 1,137 |
| Noninterest income to average assets | 1.5640% | 631 |
| Noninterest expense to average assets | 4.1575% | 750 |
| Loan and lease loss provision to assets | 0.3975% | 778 |
| Net operating income to assets | 0.5084% | 4,614 |
| Return on assets (ROA) | 0.4531% | 5,061 |
| Pretax return on assets | 0.6253% | 4,854 |
| Return on Equity (ROE) | 5.1469% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.1469% | 3,144 |
| Net charge-offs to loans | 0.3373% | 1,630 |
| Credit loss provision to net charge-offs | 163.9344% | 1,278 |
| Earnings coverage of net charge-offs (x) | 4.5355% | 2,532 |
| Efficiency ratio | 78.6164% | 2,515 |
| Assets per employee ($millions) | 3.3985% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,484 |
| Loan loss allowance to noncurrent loans | 43.4241% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 2.7774% | 1,631 |
| Noncurrent loans to loans | 2.6026% | 1,981 |
| Net loans and leases to total assets | 71.9329% | 1,363 |
| Net loans and leases to deposits | 82.8539% | 1,723 |
| Net loans and leases to core deposits | 90.1016% | 1,684 |
| Total domestic deposits to total assets | 86.8190% | 3,069 |
| Equity capital to assets | 8.8894% | 5,623 |
| Core capital (leverage) ratio | 8.5617% | 5,493 |
| Tier 1 risk-based capital ratio | 10.7206% | 6,515 |
| Total risk-based capital ratio | 11.7701% | 6,550 |
| Memoranda: | ||
| Average total assets | $603,827,500 | 1,119 |
| Average earning assets | $528,287,500 | 1,168 |
| Average equity | $53,158,000 | 1,364 |
| Average total loans | $434,034,500 | 985 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9881% | 1,590 |
| Cost of funding earning assets | 0.6812% | 3,643 |
| Net interest margin | 4.3069% | 1,390 |
| Noninterest income to average assets | 1.1810% | 1,126 |
| Noninterest expense to average assets | 4.0704% | 901 |
| Loan and lease loss provision to assets | 0.5088% | 1,152 |
| Net operating income to assets | 0.3171% | 5,410 |
| Return on assets (ROA) | 0.3614% | 5,476 |
| Pretax return on assets | 0.4603% | 5,397 |
| Return on Equity (ROE) | 4.1415% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.1415% | 3,311 |
| Net charge-offs to loans | 0.6170% | 1,897 |
| Credit loss provision to net charge-offs | 118.3432% | 2,424 |
| Earnings coverage of net charge-offs (x) | 2.1235% | 4,352 |
| Efficiency ratio | 80.2389% | 2,113 |
| Assets per employee ($millions) | 3.4439% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,573 |
| Loan loss allowance to noncurrent loans | 44.1281% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 2.5582% | 1,904 |
| Noncurrent loans to loans | 2.4808% | 2,136 |
| Net loans and leases to total assets | 70.2352% | 1,798 |
| Net loans and leases to deposits | 82.2865% | 1,960 |
| Net loans and leases to core deposits | 89.3832% | 1,913 |
| Total domestic deposits to total assets | 85.3544% | 3,692 |
| Equity capital to assets | 8.7182% | 5,833 |
| Core capital (leverage) ratio | 8.4336% | 5,715 |
| Tier 1 risk-based capital ratio | 10.7102% | 6,470 |
| Total risk-based capital ratio | 11.7235% | 6,538 |
| Memoranda: | ||
| Average total assets | $589,572,000 | 1,124 |
| Average earning assets | $520,518,000 | 1,164 |
| Average equity | $51,454,600 | 1,382 |
| Average total loans | $410,868,600 | 1,019 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9637% | 1,792 |
| Cost of funding earning assets | 0.6975% | 3,788 |
| Net interest margin | 4.2661% | 1,561 |
| Noninterest income to average assets | 1.1763% | 1,094 |
| Noninterest expense to average assets | 3.9464% | 1,006 |
| Loan and lease loss provision to assets | 0.4099% | 1,564 |
| Net operating income to assets | 0.4862% | 4,896 |
| Return on assets (ROA) | 0.4906% | 5,152 |
| Pretax return on assets | 0.6129% | 5,127 |
| Return on Equity (ROE) | 5.6194% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.6194% | 2,946 |
| Net charge-offs to loans | 0.3905% | 2,533 |
| Credit loss provision to net charge-offs | 151.3877% | 1,864 |
| Earnings coverage of net charge-offs (x) | 3.7569% | 3,526 |
| Efficiency ratio | 79.3668% | 2,188 |
| Assets per employee ($millions) | 3.4248% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,497 |
| Loan loss allowance to noncurrent loans | 29.5805% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 2.9571% | 1,771 |
| Noncurrent loans to loans | 3.9038% | 1,326 |
| Net loans and leases to total assets | 68.5970% | 2,192 |
| Net loans and leases to deposits | 80.8431% | 2,268 |
| Net loans and leases to core deposits | 88.4181% | 2,166 |
| Total domestic deposits to total assets | 84.8520% | 3,814 |
| Equity capital to assets | 8.5913% | 6,180 |
| Core capital (leverage) ratio | 8.4438% | 5,825 |
| Tier 1 risk-based capital ratio | 11.0913% | 6,447 |
| Total risk-based capital ratio | 12.1684% | 6,494 |
| Memoranda: | ||
| Average total assets | $585,434,750 | 1,146 |
| Average earning assets | $519,738,250 | 1,179 |
| Average equity | $51,107,500 | 1,395 |
| Average total loans | $405,980,250 | 1,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 1,725 |
| Cost of funding earning assets | 0.7086% | 3,948 |
| Net interest margin | 4.3138% | 1,449 |
| Noninterest income to average assets | 1.2024% | 992 |
| Noninterest expense to average assets | 4.0403% | 899 |
| Loan and lease loss provision to assets | 0.4149% | 1,583 |
| Net operating income to assets | 0.4952% | 4,838 |
| Return on assets (ROA) | 0.5023% | 5,064 |
| Pretax return on assets | 0.5839% | 5,195 |
| Return on Equity (ROE) | 5.7224% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.7224% | 2,868 |
| Net charge-offs to loans | 0.5545% | 1,929 |
| Credit loss provision to net charge-offs | 107.9137% | 2,524 |
| Earnings coverage of net charge-offs (x) | 2.5764% | 3,721 |
| Efficiency ratio | 80.1814% | 2,143 |
| Assets per employee ($millions) | 3.3935% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 5,990 |
| Loan loss allowance to noncurrent loans | 26.2568% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 3.1232% | 1,745 |
| Noncurrent loans to loans | 3.9746% | 1,392 |
| Net loans and leases to total assets | 69.6141% | 1,983 |
| Net loans and leases to deposits | 82.3817% | 2,069 |
| Net loans and leases to core deposits | 90.1527% | 1,966 |
| Total domestic deposits to total assets | 84.5019% | 4,099 |
| Equity capital to assets | 8.6982% | 6,029 |
| Core capital (leverage) ratio | 8.6183% | 5,491 |
| Tier 1 risk-based capital ratio | 11.1403% | 6,434 |
| Total risk-based capital ratio | 12.1179% | 6,535 |
| Memoranda: | ||
| Average total assets | $578,515,000 | 1,160 |
| Average earning assets | $513,420,330 | 1,195 |
| Average equity | $50,783,330 | 1,400 |
| Average total loans | $401,077,330 | 1,050 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 1,834 |
| Cost of funding earning assets | 0.7252% | 4,076 |
| Net interest margin | 4.2909% | 1,500 |
| Noninterest income to average assets | 1.0557% | 1,293 |
| Noninterest expense to average assets | 3.7622% | 1,274 |
| Loan and lease loss provision to assets | 0.4192% | 1,504 |
| Net operating income to assets | 0.6316% | 4,214 |
| Return on assets (ROA) | 0.6316% | 4,422 |
| Pretax return on assets | 0.6812% | 4,856 |
| Return on Equity (ROE) | 7.1612% | 3,680 |
| Retained earnings to average equity (ytd only) | 7.1612% | 2,340 |
| Net charge-offs to loans | 0.8631% | 1,184 |
| Credit loss provision to net charge-offs | 70.5882% | 2,898 |
| Earnings coverage of net charge-offs (x) | 1.8529% | 3,412 |
| Efficiency ratio | 77.3707% | 2,590 |
| Assets per employee ($millions) | 3.9862% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 6,254 |
| Loan loss allowance to noncurrent loans | 32.1302% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 2.4317% | 2,429 |
| Noncurrent loans to loans | 3.1086% | 2,063 |
| Net loans and leases to total assets | 68.5441% | 2,017 |
| Net loans and leases to deposits | 83.0546% | 1,787 |
| Net loans and leases to core deposits | 91.0888% | 1,738 |
| Total domestic deposits to total assets | 82.5290% | 5,116 |
| Equity capital to assets | 8.8083% | 5,745 |
| Core capital (leverage) ratio | 8.6903% | 5,309 |
| Tier 1 risk-based capital ratio | 11.0168% | 6,524 |
| Total risk-based capital ratio | 11.9207% | 6,664 |
| Memoranda: | ||
| Average total assets | $572,534,000 | 1,178 |
| Average earning assets | $507,964,000 | 1,215 |
| Average equity | $50,494,500 | 1,402 |
| Average total loans | $393,921,000 | 1,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 1,486 |
| Cost of funding earning assets | 0.8204% | 4,704 |
| Net interest margin | 4.5530% | 1,020 |
| Noninterest income to average assets | 0.6689% | 2,787 |
| Noninterest expense to average assets | 3.5011% | 1,976 |
| Loan and lease loss provision to assets | 0.4397% | 2,394 |
| Net operating income to assets | 0.5540% | 4,213 |
| Return on assets (ROA) | 0.5365% | 4,476 |
| Pretax return on assets | 0.7622% | 4,109 |
| Return on Equity (ROE) | 5.8473% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.5278% | 2,283 |
| Net charge-offs to loans | 1.0518% | 1,649 |
| Credit loss provision to net charge-offs | 59.1570% | 5,187 |
| Earnings coverage of net charge-offs (x) | 1.6507% | 4,534 |
| Efficiency ratio | 74.0487% | 3,231 |
| Assets per employee ($millions) | 3.9655% | 3,928 |
| Cash dividends to net income (ytd only)* | 5.4645% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,831 |
| Loan loss allowance to noncurrent loans | 27.8419% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.9235% | 2,061 |
| Noncurrent loans to loans | 3.9349% | 1,594 |
| Net loans and leases to total assets | 67.6133% | 2,468 |
| Net loans and leases to deposits | 80.4143% | 2,443 |
| Net loans and leases to core deposits | 89.4132% | 2,208 |
| Total domestic deposits to total assets | 84.0812% | 4,287 |
| Equity capital to assets | 8.8309% | 5,760 |
| Core capital (leverage) ratio | 9.5869% | 3,896 |
| Tier 1 risk-based capital ratio | 12.5938% | 5,373 |
| Total risk-based capital ratio | 13.5953% | 5,553 |
| Memoranda: | ||
| Average total assets | $545,795,200 | 1,212 |
| Average earning assets | $486,600,000 | 1,257 |
| Average equity | $50,074,200 | 1,361 |
| Average total loans | $385,711,800 | 1,104 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4329% | 1,425 |
| Cost of funding earning assets | 0.8301% | 4,946 |
| Net interest margin | 4.6028% | 940 |
| Noninterest income to average assets | 0.6451% | 2,915 |
| Noninterest expense to average assets | 3.5057% | 1,921 |
| Loan and lease loss provision to assets | 0.4440% | 2,253 |
| Net operating income to assets | 0.5521% | 4,315 |
| Return on assets (ROA) | 0.5341% | 4,579 |
| Pretax return on assets | 0.7702% | 4,242 |
| Return on Equity (ROE) | 5.7647% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.4452% | 2,882 |
| Net charge-offs to loans | 1.3156% | 1,168 |
| Credit loss provision to net charge-offs | 47.3560% | 5,091 |
| Earnings coverage of net charge-offs (x) | 1.3228% | 4,627 |
| Efficiency ratio | 73.8656% | 3,207 |
| Assets per employee ($millions) | 3.9347% | 3,991 |
| Cash dividends to net income (ytd only)* | 5.5429% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,144 |
| Loan loss allowance to noncurrent loans | 24.6900% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 3.0609% | 2,093 |
| Noncurrent loans to loans | 4.1524% | 1,587 |
| Net loans and leases to total assets | 67.9157% | 2,501 |
| Net loans and leases to deposits | 80.7860% | 2,558 |
| Net loans and leases to core deposits | 88.9668% | 2,368 |
| Total domestic deposits to total assets | 84.0686% | 4,196 |
| Equity capital to assets | 9.3504% | 5,303 |
| Core capital (leverage) ratio | 9.6654% | 3,894 |
| Tier 1 risk-based capital ratio | 12.7081% | 5,324 |
| Total risk-based capital ratio | 13.6496% | 5,568 |
| Memoranda: | ||
| Average total assets | $540,477,500 | 1,226 |
| Average earning assets | $481,551,000 | 1,271 |
| Average equity | $50,073,500 | 1,364 |
| Average total loans | $385,225,000 | 1,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 1,333 |
| Cost of funding earning assets | 0.8377% | 5,137 |
| Net interest margin | 4.6477% | 821 |
| Noninterest income to average assets | 0.6507% | 2,833 |
| Noninterest expense to average assets | 3.3918% | 2,283 |
| Loan and lease loss provision to assets | 0.4480% | 2,184 |
| Net operating income to assets | 0.6682% | 3,701 |
| Return on assets (ROA) | 0.6638% | 3,848 |
| Pretax return on assets | 0.9554% | 3,408 |
| Return on Equity (ROE) | 7.1878% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.8644% | 1,938 |
| Net charge-offs to loans | 0.1593% | 4,223 |
| Credit loss provision to net charge-offs | 389.6104% | 774 |
| Earnings coverage of net charge-offs (x) | 12.2597% | 1,639 |
| Efficiency ratio | 70.6399% | 4,002 |
| Assets per employee ($millions) | 3.8190% | 4,152 |
| Cash dividends to net income (ytd only)* | 4.4994% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 3,089 |
| Loan loss allowance to noncurrent loans | 40.7068% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.2493% | 2,059 |
| Noncurrent loans to loans | 4.3520% | 1,548 |
| Net loans and leases to total assets | 68.5212% | 2,513 |
| Net loans and leases to deposits | 81.3870% | 2,545 |
| Net loans and leases to core deposits | 89.8196% | 2,396 |
| Total domestic deposits to total assets | 84.1918% | 4,265 |
| Equity capital to assets | 9.1925% | 5,290 |
| Core capital (leverage) ratio | 9.8082% | 3,512 |
| Tier 1 risk-based capital ratio | 12.6680% | 5,205 |
| Total risk-based capital ratio | 13.9241% | 5,170 |
| Memoranda: | ||
| Average total assets | $535,704,330 | 1,248 |
| Average earning assets | $478,435,330 | 1,284 |
| Average equity | $49,472,670 | 1,364 |
| Average total loans | $386,734,330 | 1,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5449% | 1,186 |
| Cost of funding earning assets | 0.8589% | 5,220 |
| Net interest margin | 4.6861% | 733 |
| Noninterest income to average assets | 0.6667% | 2,747 |
| Noninterest expense to average assets | 3.4325% | 2,188 |
| Loan and lease loss provision to assets | 0.4540% | 1,940 |
| Net operating income to assets | 0.6899% | 3,552 |
| Return on assets (ROA) | 0.6894% | 3,630 |
| Pretax return on assets | 0.9701% | 3,249 |
| Return on Equity (ROE) | 7.4470% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.1200% | 2,094 |
| Net charge-offs to loans | 0.0814% | 4,130 |
| Credit loss provision to net charge-offs | 759.4937% | 497 |
| Earnings coverage of net charge-offs (x) | 23.8354% | 1,005 |
| Efficiency ratio | 70.6652% | 4,122 |
| Assets per employee ($millions) | 3.8196% | 4,263 |
| Cash dividends to net income (ytd only)* | 4.3908% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,473 |
| Loan loss allowance to noncurrent loans | 39.7414% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 3.2441% | 2,117 |
| Noncurrent loans to loans | 4.1855% | 1,715 |
| Net loans and leases to total assets | 71.5431% | 1,805 |
| Net loans and leases to deposits | 85.4755% | 1,804 |
| Net loans and leases to core deposits | 94.9508% | 1,775 |
| Total domestic deposits to total assets | 83.7002% | 4,622 |
| Equity capital to assets | 9.2883% | 4,746 |
| Core capital (leverage) ratio | 9.8631% | 3,324 |
| Tier 1 risk-based capital ratio | 12.4093% | 5,345 |
| Total risk-based capital ratio | 13.6629% | 5,326 |
| Memoranda: | ||
| Average total assets | $528,589,000 | 1,283 |
| Average earning assets | $472,719,500 | 1,307 |
| Average equity | $48,932,500 | 1,362 |
| Average total loans | $388,292,500 | 1,132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9117% | 1,018 |
| Cost of funding earning assets | 0.9641% | 5,872 |
| Net interest margin | 4.9477% | 489 |
| Noninterest income to average assets | 0.6843% | 2,944 |
| Noninterest expense to average assets | 3.6300% | 1,849 |
| Loan and lease loss provision to assets | 0.4702% | 3,313 |
| Net operating income to assets | 0.7159% | 3,168 |
| Return on assets (ROA) | 0.7033% | 3,346 |
| Pretax return on assets | 0.9918% | 2,954 |
| Return on Equity (ROE) | 7.4160% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.1007% | 3,688 |
| Net charge-offs to loans | 0.3444% | 4,290 |
| Credit loss provision to net charge-offs | 178.1737% | 1,863 |
| Earnings coverage of net charge-offs (x) | 5.6080% | 2,582 |
| Efficiency ratio | 71.0397% | 3,986 |
| Assets per employee ($millions) | 3.7589% | 4,346 |
| Cash dividends to net income (ytd only)* | 58.1894% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,938 |
| Loan loss allowance to noncurrent loans | 42.4595% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.8845% | 2,433 |
| Noncurrent loans to loans | 3.5625% | 2,113 |
| Net loans and leases to total assets | 73.0477% | 1,861 |
| Net loans and leases to deposits | 87.4352% | 1,872 |
| Net loans and leases to core deposits | 96.4638% | 1,946 |
| Total domestic deposits to total assets | 83.5450% | 4,581 |
| Equity capital to assets | 9.2258% | 4,796 |
| Core capital (leverage) ratio | 9.8377% | 3,277 |
| Tier 1 risk-based capital ratio | 12.1038% | 5,383 |
| Total risk-based capital ratio | 13.3557% | 5,365 |
| Memoranda: | ||
| Average total assets | $510,464,800 | 1,311 |
| Average earning assets | $456,600,400 | 1,341 |
| Average equity | $48,408,600 | 1,383 |
| Average total loans | $391,141,200 | 1,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9546% | 1,023 |
| Cost of funding earning assets | 0.9883% | 5,989 |
| Net interest margin | 4.9663% | 474 |
| Noninterest income to average assets | 0.6783% | 2,955 |
| Noninterest expense to average assets | 3.6257% | 1,730 |
| Loan and lease loss provision to assets | 0.4738% | 3,108 |
| Net operating income to assets | 0.7163% | 3,345 |
| Return on assets (ROA) | 0.7060% | 3,540 |
| Pretax return on assets | 1.0071% | 3,155 |
| Return on Equity (ROE) | 7.3924% | 3,156 |
| Retained earnings to average equity (ytd only) | 3.0126% | 4,327 |
| Net charge-offs to loans | 0.3843% | 3,753 |
| Credit loss provision to net charge-offs | 159.5745% | 2,376 |
| Earnings coverage of net charge-offs (x) | 5.0372% | 2,864 |
| Efficiency ratio | 70.7956% | 3,921 |
| Assets per employee ($millions) | 3.8811% | 4,075 |
| Cash dividends to net income (ytd only)* | 59.2467% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,315 |
| Loan loss allowance to noncurrent loans | 36.6320% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 3.1984% | 2,240 |
| Noncurrent loans to loans | 3.8989% | 1,942 |
| Net loans and leases to total assets | 73.2944% | 1,951 |
| Net loans and leases to deposits | 87.4795% | 2,083 |
| Net loans and leases to core deposits | 97.1241% | 2,135 |
| Total domestic deposits to total assets | 83.7846% | 4,240 |
| Equity capital to assets | 9.4457% | 4,925 |
| Core capital (leverage) ratio | 9.7873% | 3,506 |
| Tier 1 risk-based capital ratio | 12.1835% | 5,288 |
| Total risk-based capital ratio | 13.4347% | 5,253 |
| Memoranda: | ||
| Average total assets | $506,518,000 | 1,332 |
| Average earning assets | $453,152,500 | 1,366 |
| Average equity | $48,373,000 | 1,393 |
| Average total loans | $391,346,750 | 1,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0237% | 895 |
| Cost of funding earning assets | 1.0016% | 6,135 |
| Net interest margin | 5.0221% | 402 |
| Noninterest income to average assets | 0.6984% | 2,716 |
| Noninterest expense to average assets | 3.6052% | 1,769 |
| Loan and lease loss provision to assets | 0.4904% | 2,847 |
| Net operating income to assets | 0.7617% | 3,141 |
| Return on assets (ROA) | 0.7486% | 3,354 |
| Pretax return on assets | 1.0769% | 2,859 |
| Return on Equity (ROE) | 7.8092% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.2833% | 4,010 |
| Net charge-offs to loans | 0.3950% | 3,395 |
| Credit loss provision to net charge-offs | 158.6340% | 2,482 |
| Earnings coverage of net charge-offs (x) | 5.1302% | 2,740 |
| Efficiency ratio | 69.4474% | 4,288 |
| Assets per employee ($millions) | 3.8841% | 4,021 |
| Cash dividends to net income (ytd only)* | 57.9564% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,600 |
| Loan loss allowance to noncurrent loans | 47.8665% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 2.5041% | 2,879 |
| Noncurrent loans to loans | 2.8518% | 2,807 |
| Net loans and leases to total assets | 74.2181% | 1,862 |
| Net loans and leases to deposits | 88.5989% | 2,076 |
| Net loans and leases to core deposits | 100.1125% | 2,004 |
| Total domestic deposits to total assets | 83.7687% | 4,212 |
| Equity capital to assets | 9.4342% | 4,812 |
| Core capital (leverage) ratio | 9.8615% | 3,327 |
| Tier 1 risk-based capital ratio | 12.0553% | 5,263 |
| Total risk-based capital ratio | 13.3057% | 5,230 |
| Memoranda: | ||
| Average total assets | $502,002,000 | 1,353 |
| Average earning assets | $449,092,330 | 1,381 |
| Average equity | $48,122,670 | 1,392 |
| Average total loans | $392,895,000 | 1,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0823% | 809 |
| Cost of funding earning assets | 1.0243% | 6,255 |
| Net interest margin | 5.0580% | 374 |
| Noninterest income to average assets | 0.6873% | 2,682 |
| Noninterest expense to average assets | 3.6328% | 1,661 |
| Loan and lease loss provision to assets | 0.5102% | 2,456 |
| Net operating income to assets | 0.6743% | 3,551 |
| Return on assets (ROA) | 0.6743% | 3,669 |
| Pretax return on assets | 1.0681% | 2,847 |
| Return on Equity (ROE) | 6.9767% | 3,354 |
| Retained earnings to average equity (ytd only) | 1.6982% | 5,090 |
| Net charge-offs to loans | 0.2765% | 3,310 |
| Credit loss provision to net charge-offs | 231.1355% | 1,648 |
| Earnings coverage of net charge-offs (x) | 7.1502% | 2,124 |
| Efficiency ratio | 69.7130% | 4,366 |
| Assets per employee ($millions) | 3.8182% | 4,271 |
| Cash dividends to net income (ytd only)* | 75.6595% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,843 |
| Loan loss allowance to noncurrent loans | 37.6128% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.9325% | 2,444 |
| Noncurrent loans to loans | 3.4987% | 2,279 |
| Net loans and leases to total assets | 78.0959% | 1,138 |
| Net loans and leases to deposits | 93.7040% | 1,382 |
| Net loans and leases to core deposits | 105.5162% | 1,617 |
| Total domestic deposits to total assets | 83.3432% | 4,457 |
| Equity capital to assets | 9.5875% | 4,394 |
| Core capital (leverage) ratio | 9.9948% | 3,166 |
| Tier 1 risk-based capital ratio | 11.7991% | 5,396 |
| Total risk-based capital ratio | 13.0449% | 5,343 |
| Memoranda: | ||
| Average total assets | $494,709,500 | 1,408 |
| Average earning assets | $442,463,500 | 1,436 |
| Average equity | $47,816,000 | 1,406 |
| Average total loans | $394,989,000 | 1,193 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2720% | 1,074 |
| Cost of funding earning assets | 1.3031% | 6,296 |
| Net interest margin | 4.9689% | 479 |
| Noninterest income to average assets | 0.7104% | 2,895 |
| Noninterest expense to average assets | 3.7271% | 1,846 |
| Loan and lease loss provision to assets | 0.5803% | 3,482 |
| Net operating income to assets | 0.6366% | 3,187 |
| Return on assets (ROA) | 0.6366% | 3,242 |
| Pretax return on assets | 0.8616% | 3,045 |
| Return on Equity (ROE) | 6.6373% | 2,936 |
| Retained earnings to average equity (ytd only) | 6.2804% | 1,237 |
| Net charge-offs to loans | 0.4606% | 3,941 |
| Credit loss provision to net charge-offs | 157.1189% | 2,872 |
| Earnings coverage of net charge-offs (x) | 3.9040% | 3,146 |
| Efficiency ratio | 72.1045% | 4,245 |
| Assets per employee ($millions) | 3.7063% | 4,503 |
| Cash dividends to net income (ytd only)* | 5.3774% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,169 |
| Loan loss allowance to noncurrent loans | 44.1642% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 2,945 |
| Noncurrent loans to loans | 2.7868% | 2,771 |
| Net loans and leases to total assets | 79.5721% | 1,075 |
| Net loans and leases to deposits | 95.7755% | 1,359 |
| Net loans and leases to core deposits | 112.2354% | 2,674 |
| Total domestic deposits to total assets | 83.0819% | 4,489 |
| Equity capital to assets | 9.7452% | 4,079 |
| Core capital (leverage) ratio | 9.9261% | 3,163 |
| Tier 1 risk-based capital ratio | 11.7915% | 5,116 |
| Total risk-based capital ratio | 12.9557% | 5,151 |
| Memoranda: | ||
| Average total assets | $484,906,600 | 1,427 |
| Average earning assets | $435,108,600 | 1,456 |
| Average equity | $46,509,600 | 1,452 |
| Average total loans | $388,848,400 | 1,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2939% | 1,148 |
| Cost of funding earning assets | 1.3536% | 6,387 |
| Net interest margin | 4.9403% | 506 |
| Noninterest income to average assets | 0.7352% | 2,795 |
| Noninterest expense to average assets | 3.5927% | 2,039 |
| Loan and lease loss provision to assets | 0.5511% | 3,184 |
| Net operating income to assets | 0.7303% | 3,097 |
| Return on assets (ROA) | 0.7303% | 3,162 |
| Pretax return on assets | 1.0249% | 2,822 |
| Return on Equity (ROE) | 7.6448% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.2640% | 1,410 |
| Net charge-offs to loans | 0.4820% | 3,302 |
| Credit loss provision to net charge-offs | 142.7552% | 3,428 |
| Earnings coverage of net charge-offs (x) | 4.0821% | 3,270 |
| Efficiency ratio | 69.5084% | 4,691 |
| Assets per employee ($millions) | 3.7360% | 4,345 |
| Cash dividends to net income (ytd only)* | 4.9812% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,639 |
| Loan loss allowance to noncurrent loans | 75.4431% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,603 |
| Noncurrent loans to loans | 1.4765% | 4,461 |
| Net loans and leases to total assets | 78.5012% | 1,482 |
| Net loans and leases to deposits | 94.0254% | 1,880 |
| Net loans and leases to core deposits | 111.4249% | 3,078 |
| Total domestic deposits to total assets | 83.4894% | 3,969 |
| Equity capital to assets | 9.5228% | 4,719 |
| Core capital (leverage) ratio | 9.8584% | 3,446 |
| Tier 1 risk-based capital ratio | 11.7231% | 5,222 |
| Total risk-based capital ratio | 12.7881% | 5,347 |
| Memoranda: | ||
| Average total assets | $483,824,750 | 1,446 |
| Average earning assets | $434,188,000 | 1,469 |
| Average equity | $46,217,750 | 1,480 |
| Average total loans | $387,524,250 | 1,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 1,123 |
| Cost of funding earning assets | 1.4226% | 6,409 |
| Net interest margin | 4.9133% | 520 |
| Noninterest income to average assets | 0.7093% | 2,935 |
| Noninterest expense to average assets | 3.5866% | 2,103 |
| Loan and lease loss provision to assets | 0.2928% | 4,223 |
| Net operating income to assets | 0.8569% | 2,625 |
| Return on assets (ROA) | 0.8569% | 2,728 |
| Pretax return on assets | 1.2266% | 2,227 |
| Return on Equity (ROE) | 8.9608% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.5148% | 1,063 |
| Net charge-offs to loans | 0.6142% | 2,503 |
| Credit loss provision to net charge-offs | 59.3220% | 5,603 |
| Earnings coverage of net charge-offs (x) | 3.0788% | 3,582 |
| Efficiency ratio | 70.2433% | 4,726 |
| Assets per employee ($millions) | 3.6140% | 4,539 |
| Cash dividends to net income (ytd only)* | 4.9780% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,958 |
| Loan loss allowance to noncurrent loans | 40.6261% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8095% | 3,459 |
| Noncurrent loans to loans | 2.1055% | 3,371 |
| Net loans and leases to total assets | 80.1320% | 1,294 |
| Net loans and leases to deposits | 96.4122% | 1,729 |
| Net loans and leases to core deposits | 111.5676% | 3,196 |
| Total domestic deposits to total assets | 83.1140% | 4,189 |
| Equity capital to assets | 9.6550% | 4,418 |
| Core capital (leverage) ratio | 9.9986% | 3,300 |
| Tier 1 risk-based capital ratio | 11.7649% | 5,133 |
| Total risk-based capital ratio | 12.5828% | 5,464 |
| Memoranda: | ||
| Average total assets | $478,223,330 | 1,487 |
| Average earning assets | $427,938,330 | 1,512 |
| Average equity | $45,732,330 | 1,504 |
| Average total loans | $384,223,330 | 1,288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 1,299 |
| Cost of funding earning assets | 1.4687% | 6,509 |
| Net interest margin | 4.8310% | 573 |
| Noninterest income to average assets | 0.6742% | 3,040 |
| Noninterest expense to average assets | 3.6196% | 1,824 |
| Loan and lease loss provision to assets | 0.2525% | 3,953 |
| Net operating income to assets | 0.8089% | 3,096 |
| Return on assets (ROA) | 0.8089% | 3,255 |
| Pretax return on assets | 1.1296% | 2,874 |
| Return on Equity (ROE) | 8.5007% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.0761% | 1,783 |
| Net charge-offs to loans | 0.1850% | 3,527 |
| Credit loss provision to net charge-offs | 170.4545% | 2,515 |
| Earnings coverage of net charge-offs (x) | 9.3295% | 2,071 |
| Efficiency ratio | 72.3662% | 4,126 |
| Assets per employee ($millions) | 3.8236% | 4,031 |
| Cash dividends to net income (ytd only)* | 4.9948% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,949 |
| Loan loss allowance to noncurrent loans | 63.2522% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 3,925 |
| Noncurrent loans to loans | 1.6271% | 3,835 |
| Net loans and leases to total assets | 79.5170% | 1,472 |
| Net loans and leases to deposits | 95.6026% | 2,010 |
| Net loans and leases to core deposits | 110.5494% | 3,362 |
| Total domestic deposits to total assets | 83.1745% | 4,060 |
| Equity capital to assets | 9.5544% | 4,603 |
| Core capital (leverage) ratio | 9.9195% | 3,497 |
| Tier 1 risk-based capital ratio | 11.7325% | 5,184 |
| Total risk-based capital ratio | 12.7162% | 5,345 |
| Memoranda: | ||
| Average total assets | $475,196,500 | 1,503 |
| Average earning assets | $425,669,000 | 1,528 |
| Average equity | $45,220,000 | 1,523 |
| Average total loans | $380,630,500 | 1,314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6615% | 2,195 |
| Cost of funding earning assets | 1.8459% | 6,878 |
| Net interest margin | 4.8156% | 757 |
| Noninterest income to average assets | 0.6354% | 3,596 |
| Noninterest expense to average assets | 3.3992% | 2,686 |
| Loan and lease loss provision to assets | 0.2450% | 4,465 |
| Net operating income to assets | 0.9766% | 2,654 |
| Return on assets (ROA) | 0.9820% | 2,511 |
| Pretax return on assets | 1.3178% | 2,253 |
| Return on Equity (ROE) | 10.5392% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.7549% | 482 |
| Net charge-offs to loans | 0.1938% | 4,248 |
| Credit loss provision to net charge-offs | 158.6207% | 3,265 |
| Earnings coverage of net charge-offs (x) | 10.0703% | 2,581 |
| Efficiency ratio | 68.6046% | 4,610 |
| Assets per employee ($millions) | 3.8410% | 3,879 |
| Cash dividends to net income (ytd only)* | 7.4420% | 4,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 5,891 |
| Loan loss allowance to noncurrent loans | 118.3308% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 5,096 |
| Noncurrent loans to loans | 0.8575% | 4,905 |
| Net loans and leases to total assets | 79.0422% | 1,879 |
| Net loans and leases to deposits | 95.9533% | 2,461 |
| Net loans and leases to core deposits | 106.3915% | 4,150 |
| Total domestic deposits to total assets | 82.3757% | 4,051 |
| Equity capital to assets | 9.4773% | 4,722 |
| Core capital (leverage) ratio | 9.9568% | 3,485 |
| Tier 1 risk-based capital ratio | 11.7190% | 5,043 |
| Total risk-based capital ratio | 12.6898% | 5,198 |
| Memoranda: | ||
| Average total assets | $469,342,200 | 1,471 |
| Average earning assets | $420,986,200 | 1,479 |
| Average equity | $43,731,800 | 1,540 |
| Average total loans | $374,036,800 | 1,300 |