Home > River Bank > Performance and Condition Ratios
River 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 | 4.1072% | 3,792 |
| Cost of funding earning assets | 2.2158% | 624 |
| Net interest margin | 1.8914% | 4,443 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.2275% | 4,457 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.6867% | 3,229 |
| Return on assets (ROA) | 0.6867% | 3,206 |
| Pretax return on assets | 0.7204% | 3,392 |
| Return on Equity (ROE) | 7.3500% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.1474% | 2,188 |
| Net charge-offs to loans | 0.0001% | 2,913 |
| Credit loss provision to net charge-offs | -60,100.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | 7,533.0000% | 7 |
| Efficiency ratio | 62.8989% | 2,739 |
| Assets per employee ($millions) | 10.6207% | 597 |
| Cash dividends to net income (ytd only)* | 16.3110% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,250 |
| Loan loss allowance to noncurrent loans | 475.5687% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,199 |
| Noncurrent loans to loans | 0.2540% | 2,275 |
| Net loans and leases to total assets | 79.6800% | 679 |
| Net loans and leases to deposits | 110.1013% | 196 |
| Net loans and leases to core deposits | 139.1910% | 284 |
| Total domestic deposits to total assets | 72.3700% | 4,209 |
| Equity capital to assets | 9.7297% | 2,178 |
| Core capital (leverage) ratio | 9.9363% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4183% | 2,094 |
| Memoranda: | ||
| Average total assets | $1,071,388,800 | 924 |
| Average earning assets | $1,030,141,200 | 890 |
| Average equity | $100,156,400 | 945 |
| Average total loans | $888,950,000 | 800 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,761 |
| Cost of funding earning assets | 2.1162% | 575 |
| Net interest margin | 1.9330% | 4,463 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.2471% | 4,466 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6669% | 3,397 |
| Return on assets (ROA) | 0.6669% | 3,383 |
| Pretax return on assets | 0.7129% | 3,527 |
| Return on Equity (ROE) | 7.2100% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.5927% | 2,750 |
| Net charge-offs to loans | 0.0001% | 2,662 |
| Credit loss provision to net charge-offs | -46,900.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | 5,811.0000% | 11 |
| Efficiency ratio | 62.6192% | 2,645 |
| Assets per employee ($millions) | 10.4618% | 578 |
| Cash dividends to net income (ytd only)* | 22.4006% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,335 |
| Loan loss allowance to noncurrent loans | 380.5176% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 1,959 |
| Noncurrent loans to loans | 0.3164% | 2,097 |
| Net loans and leases to total assets | 81.4000% | 487 |
| Net loans and leases to deposits | 112.9372% | 146 |
| Net loans and leases to core deposits | 146.6496% | 164 |
| Total domestic deposits to total assets | 72.0700% | 4,251 |
| Equity capital to assets | 9.3167% | 2,213 |
| Core capital (leverage) ratio | 9.5754% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9176% | 2,292 |
| Memoranda: | ||
| Average total assets | $1,071,062,750 | 928 |
| Average earning assets | $1,030,291,250 | 897 |
| Average equity | $99,103,000 | 950 |
| Average total loans | $894,888,500 | 800 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,808 |
| Cost of funding earning assets | 1.9510% | 554 |
| Net interest margin | 1.9890% | 4,502 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.2473% | 4,497 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7141% | 3,316 |
| Return on assets (ROA) | 0.7141% | 3,313 |
| Pretax return on assets | 0.7585% | 3,490 |
| Return on Equity (ROE) | 7.7400% | 3,304 |
| Retained earnings to average equity (ytd only) | 5.3112% | 2,857 |
| Net charge-offs to loans | 0.0004% | 2,441 |
| Credit loss provision to net charge-offs | -22,450.0000% | 4,667 |
| Earnings coverage of net charge-offs (x) | 2,075.5000% | 65 |
| Efficiency ratio | 61.2603% | 2,817 |
| Assets per employee ($millions) | 10.0290% | 666 |
| Cash dividends to net income (ytd only)* | 31.3398% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,516 |
| Loan loss allowance to noncurrent loans | 379.5276% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,901 |
| Noncurrent loans to loans | 0.3122% | 2,022 |
| Net loans and leases to total assets | 82.4200% | 385 |
| Net loans and leases to deposits | 114.9734% | 134 |
| Net loans and leases to core deposits | 152.5160% | 132 |
| Total domestic deposits to total assets | 71.6900% | 4,306 |
| Equity capital to assets | 9.2948% | 2,316 |
| Core capital (leverage) ratio | 9.4982% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4868% | 2,469 |
| Memoranda: | ||
| Average total assets | $1,072,382,667 | 920 |
| Average earning assets | $1,031,880,000 | 887 |
| Average equity | $98,997,667 | 945 |
| Average total loans | $900,117,333 | 785 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 3,802 |
| Cost of funding earning assets | 1.7242% | 537 |
| Net interest margin | 2.1052% | 4,530 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.2037% | 4,572 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.7580% | 3,326 |
| Return on assets (ROA) | 0.7580% | 3,274 |
| Pretax return on assets | 0.7961% | 3,475 |
| Return on Equity (ROE) | 8.2400% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.7759% | 3,330 |
| Net charge-offs to loans | 0.0013% | 1,999 |
| Credit loss provision to net charge-offs | 12,166.6667% | 36 |
| Earnings coverage of net charge-offs (x) | 832.6667% | 132 |
| Efficiency ratio | 55.9322% | 3,416 |
| Assets per employee ($millions) | 9.9530% | 710 |
| Cash dividends to net income (ytd only)* | 54.1605% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,197 |
| Loan loss allowance to noncurrent loans | 1,312.4138% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 2,986 |
| Noncurrent loans to loans | 0.0966% | 3,062 |
| Net loans and leases to total assets | 83.5200% | 271 |
| Net loans and leases to deposits | 116.0312% | 114 |
| Net loans and leases to core deposits | 155.8034% | 107 |
| Total domestic deposits to total assets | 71.9800% | 4,359 |
| Equity capital to assets | 9.3251% | 2,278 |
| Core capital (leverage) ratio | 9.3723% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2354% | 2,654 |
| Memoranda: | ||
| Average total assets | $1,071,703,500 | 938 |
| Average earning assets | $1,032,120,000 | 904 |
| Average equity | $98,625,000 | 957 |
| Average total loans | $902,653,000 | 791 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 2,816 |
| Cost of funding earning assets | 0.8689% | 285 |
| Net interest margin | 2.7285% | 4,016 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.1902% | 4,611 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.2169% | 1,709 |
| Return on assets (ROA) | 1.2169% | 1,656 |
| Pretax return on assets | 1.3821% | 1,816 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 5.6910% | 2,754 |
| Net charge-offs to loans | -0.0004% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.1193% | 4,459 |
| Assets per employee ($millions) | 9.8939% | 698 |
| Cash dividends to net income (ytd only)* | 56.9784% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,634 |
| Loan loss allowance to noncurrent loans | 1,273.8386% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 2,923 |
| Noncurrent loans to loans | 0.0904% | 3,110 |
| Net loans and leases to total assets | 82.9000% | 333 |
| Net loans and leases to deposits | 114.4995% | 109 |
| Net loans and leases to core deposits | 150.4033% | 96 |
| Total domestic deposits to total assets | 72.4000% | 4,418 |
| Equity capital to assets | 9.0817% | 2,309 |
| Core capital (leverage) ratio | 9.2938% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0788% | 2,712 |
| Memoranda: | ||
| Average total assets | $1,070,407,800 | 925 |
| Average earning assets | $1,027,824,400 | 886 |
| Average equity | $98,471,200 | 954 |
| Average total loans | $907,387,800 | 747 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 2,501 |
| Cost of funding earning assets | 0.7168% | 243 |
| Net interest margin | 2.8195% | 3,693 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.1583% | 4,645 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3759% | 1,152 |
| Return on assets (ROA) | 1.3759% | 1,124 |
| Pretax return on assets | 1.5567% | 1,242 |
| Return on Equity (ROE) | 14.9100% | 1,198 |
| Retained earnings to average equity (ytd only) | 7.5086% | 2,187 |
| Net charge-offs to loans | -0.0004% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.7661% | 4,555 |
| Assets per employee ($millions) | 9.9479% | 666 |
| Cash dividends to net income (ytd only)* | 49.6327% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,229 |
| Loan loss allowance to noncurrent loans | 708.0178% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,738 |
| Noncurrent loans to loans | 0.1488% | 2,866 |
| Net loans and leases to total assets | 82.5900% | 344 |
| Net loans and leases to deposits | 115.4751% | 75 |
| Net loans and leases to core deposits | 131.0910% | 141 |
| Total domestic deposits to total assets | 71.5300% | 4,515 |
| Equity capital to assets | 8.9465% | 2,248 |
| Core capital (leverage) ratio | 9.3142% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9354% | 2,835 |
| Memoranda: | ||
| Average total assets | $1,068,400,500 | 930 |
| Average earning assets | $1,025,453,500 | 890 |
| Average equity | $98,604,000 | 962 |
| Average total loans | $908,131,250 | 745 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 2,083 |
| Cost of funding earning assets | 0.6364% | 227 |
| Net interest margin | 2.8804% | 3,221 |
| Noninterest income to average assets | 0.1260% | 4,368 |
| Noninterest expense to average assets | 1.1316% | 4,669 |
| Loan and lease loss provision to assets | 0.1035% | 966 |
| Net operating income to assets | 1.4529% | 794 |
| Return on assets (ROA) | 1.4529% | 771 |
| Pretax return on assets | 1.6516% | 845 |
| Return on Equity (ROE) | 15.5807% | 780 |
| Retained earnings to average equity (ytd only) | 8.4753% | 1,449 |
| Net charge-offs to loans | 0.0002% | 2,154 |
| Credit loss provision to net charge-offs | 55,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 9,329.0000% | 2 |
| Efficiency ratio | 39.0381% | 4,636 |
| Assets per employee ($millions) | 9.7907% | 703 |
| Cash dividends to net income (ytd only)* | 45.6040% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,431 |
| Loan loss allowance to noncurrent loans | 1,248.5714% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,277 |
| Noncurrent loans to loans | 0.0831% | 3,367 |
| Net loans and leases to total assets | 82.7498% | 253 |
| Net loans and leases to deposits | 112.7090% | 78 |
| Net loans and leases to core deposits | 128.8396% | 128 |
| Total domestic deposits to total assets | 73.4190% | 4,552 |
| Equity capital to assets | 9.2569% | 2,199 |
| Core capital (leverage) ratio | 9.1965% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8875% | 2,838 |
| Memoranda: | ||
| Average total assets | $1,063,093,333 | 928 |
| Average earning assets | $1,018,873,000 | 901 |
| Average equity | $99,135,667 | 968 |
| Average total loans | $909,135,333 | 729 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 1,653 |
| Cost of funding earning assets | 0.6094% | 244 |
| Net interest margin | 2.9365% | 2,720 |
| Noninterest income to average assets | 0.1238% | 4,387 |
| Noninterest expense to average assets | 1.0916% | 4,696 |
| Loan and lease loss provision to assets | 0.1024% | 813 |
| Net operating income to assets | 1.5427% | 581 |
| Return on assets (ROA) | 1.5427% | 574 |
| Pretax return on assets | 1.7434% | 629 |
| Return on Equity (ROE) | 16.4831% | 483 |
| Retained earnings to average equity (ytd only) | 9.3783% | 1,169 |
| Net charge-offs to loans | 0.0013% | 1,794 |
| Credit loss provision to net charge-offs | 9,100.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,639.6667% | 38 |
| Efficiency ratio | 37.0082% | 4,692 |
| Assets per employee ($millions) | 10.0848% | 663 |
| Cash dividends to net income (ytd only)* | 43.1039% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,807 |
| Loan loss allowance to noncurrent loans | 939.7043% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,197 |
| Noncurrent loans to loans | 0.1040% | 3,321 |
| Net loans and leases to total assets | 83.5442% | 99 |
| Net loans and leases to deposits | 109.6970% | 70 |
| Net loans and leases to core deposits | 127.0491% | 107 |
| Total domestic deposits to total assets | 76.1591% | 4,494 |
| Equity capital to assets | 9.1524% | 2,570 |
| Core capital (leverage) ratio | 9.0621% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2215% | 3,026 |
| Memoranda: | ||
| Average total assets | $1,065,940,000 | 927 |
| Average earning assets | $1,021,335,500 | 907 |
| Average equity | $99,762,500 | 992 |
| Average total loans | $921,616,500 | 714 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 1,628 |
| Cost of funding earning assets | 0.6670% | 378 |
| Net interest margin | 3.2271% | 2,532 |
| Noninterest income to average assets | 0.1590% | 4,351 |
| Noninterest expense to average assets | 1.1535% | 4,728 |
| Loan and lease loss provision to assets | 0.2013% | 533 |
| Net operating income to assets | 1.7521% | 567 |
| Return on assets (ROA) | 1.7521% | 590 |
| Pretax return on assets | 1.8830% | 758 |
| Return on Equity (ROE) | 16.7469% | 631 |
| Retained earnings to average equity (ytd only) | 9.8412% | 959 |
| Net charge-offs to loans | -0.0006% | 3,240 |
| Credit loss provision to net charge-offs | -37,080.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4687% | 4,757 |
| Assets per employee ($millions) | 10.1232% | 641 |
| Cash dividends to net income (ytd only)* | 41.2359% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 4,003 |
| Loan loss allowance to noncurrent loans | 844.3249% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,258 |
| Noncurrent loans to loans | 0.1096% | 3,380 |
| Net loans and leases to total assets | 87.7845% | 34 |
| Net loans and leases to deposits | 116.2572% | 49 |
| Net loans and leases to core deposits | 133.7481% | 90 |
| Total domestic deposits to total assets | 75.5089% | 4,532 |
| Equity capital to assets | 9.5709% | 3,073 |
| Core capital (leverage) ratio | 9.3910% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9097% | 3,052 |
| Memoranda: | ||
| Average total assets | $920,834,800 | 1,026 |
| Average earning assets | $878,517,200 | 1,000 |
| Average equity | $96,340,000 | 1,037 |
| Average total loans | $802,593,000 | 793 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 1,602 |
| Cost of funding earning assets | 0.6917% | 397 |
| Net interest margin | 3.2822% | 2,468 |
| Noninterest income to average assets | 0.1667% | 4,368 |
| Noninterest expense to average assets | 1.1747% | 4,794 |
| Loan and lease loss provision to assets | 0.2370% | 401 |
| Net operating income to assets | 1.7473% | 745 |
| Return on assets (ROA) | 1.7473% | 780 |
| Pretax return on assets | 1.8818% | 981 |
| Return on Equity (ROE) | 16.2893% | 891 |
| Retained earnings to average equity (ytd only) | 9.2850% | 1,578 |
| Net charge-offs to loans | -0.0007% | 3,099 |
| Credit loss provision to net charge-offs | -39,450.0000% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5068% | 4,821 |
| Assets per employee ($millions) | 9.6578% | 724 |
| Cash dividends to net income (ytd only)* | 42.9996% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,960 |
| Loan loss allowance to noncurrent loans | 733.9192% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 3,340 |
| Noncurrent loans to loans | 0.1314% | 3,450 |
| Net loans and leases to total assets | 87.0576% | 52 |
| Net loans and leases to deposits | 112.9126% | 75 |
| Net loans and leases to core deposits | 129.7940% | 121 |
| Total domestic deposits to total assets | 77.1018% | 4,491 |
| Equity capital to assets | 9.9876% | 2,915 |
| Core capital (leverage) ratio | 9.6697% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4456% | 3,043 |
| Memoranda: | ||
| Average total assets | $887,840,750 | 1,069 |
| Average earning assets | $845,790,500 | 1,050 |
| Average equity | $95,234,000 | 1,061 |
| Average total loans | $770,032,750 | 836 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 1,505 |
| Cost of funding earning assets | 0.7173% | 425 |
| Net interest margin | 3.3108% | 2,411 |
| Noninterest income to average assets | 0.1887% | 4,259 |
| Noninterest expense to average assets | 1.2064% | 4,822 |
| Loan and lease loss provision to assets | 0.1775% | 648 |
| Net operating income to assets | 1.8164% | 691 |
| Return on assets (ROA) | 1.8164% | 727 |
| Pretax return on assets | 1.9539% | 910 |
| Return on Equity (ROE) | 16.4977% | 862 |
| Retained earnings to average equity (ytd only) | 9.4115% | 1,584 |
| Net charge-offs to loans | -0.0011% | 3,097 |
| Credit loss provision to net charge-offs | -18,975.0000% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0045% | 4,839 |
| Assets per employee ($millions) | 8.9472% | 877 |
| Cash dividends to net income (ytd only)* | 42.9528% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,998 |
| Loan loss allowance to noncurrent loans | 607.4194% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 3,335 |
| Noncurrent loans to loans | 0.1564% | 3,422 |
| Net loans and leases to total assets | 86.0498% | 83 |
| Net loans and leases to deposits | 111.8580% | 92 |
| Net loans and leases to core deposits | 130.4511% | 123 |
| Total domestic deposits to total assets | 76.9278% | 4,516 |
| Equity capital to assets | 10.5609% | 2,342 |
| Core capital (leverage) ratio | 10.1875% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3278% | 2,894 |
| Memoranda: | ||
| Average total assets | $855,424,000 | 1,090 |
| Average earning assets | $813,630,333 | 1,076 |
| Average equity | $94,183,000 | 1,068 |
| Average total loans | $738,060,667 | 860 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 1,725 |
| Cost of funding earning assets | 0.7552% | 436 |
| Net interest margin | 3.1840% | 2,749 |
| Noninterest income to average assets | 0.2114% | 4,120 |
| Noninterest expense to average assets | 1.2747% | 4,832 |
| Loan and lease loss provision to assets | 0.1122% | 1,236 |
| Net operating income to assets | 1.7145% | 914 |
| Return on assets (ROA) | 1.7145% | 964 |
| Pretax return on assets | 1.8514% | 1,193 |
| Return on Equity (ROE) | 15.2292% | 1,162 |
| Retained earnings to average equity (ytd only) | 8.0486% | 2,217 |
| Net charge-offs to loans | -0.0011% | 3,058 |
| Credit loss provision to net charge-offs | -11,600.0000% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2142% | 4,767 |
| Assets per employee ($millions) | 8.5908% | 959 |
| Cash dividends to net income (ytd only)* | 47.1501% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,942 |
| Loan loss allowance to noncurrent loans | 416.4090% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 3,145 |
| Noncurrent loans to loans | 0.2344% | 3,267 |
| Net loans and leases to total assets | 85.2653% | 108 |
| Net loans and leases to deposits | 105.9820% | 171 |
| Net loans and leases to core deposits | 125.1857% | 193 |
| Total domestic deposits to total assets | 80.4527% | 4,149 |
| Equity capital to assets | 11.2385% | 1,689 |
| Core capital (leverage) ratio | 10.4955% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9704% | 2,680 |
| Memoranda: | ||
| Average total assets | $826,830,000 | 1,111 |
| Average earning assets | $786,063,500 | 1,096 |
| Average equity | $93,084,500 | 1,067 |
| Average total loans | $710,674,500 | 888 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,092 |
| Cost of funding earning assets | 1.0671% | 460 |
| Net interest margin | 3.1478% | 3,501 |
| Noninterest income to average assets | 0.2751% | 3,831 |
| Noninterest expense to average assets | 1.3959% | 4,836 |
| Loan and lease loss provision to assets | 0.1653% | 2,310 |
| Net operating income to assets | 1.6710% | 539 |
| Return on assets (ROA) | 1.6731% | 576 |
| Pretax return on assets | 1.7140% | 835 |
| Return on Equity (ROE) | 14.0421% | 804 |
| Retained earnings to average equity (ytd only) | 6.6001% | 1,545 |
| Net charge-offs to loans | -0.0009% | 3,935 |
| Credit loss provision to net charge-offs | -20,566.6667% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9190% | 4,838 |
| Assets per employee ($millions) | 8.3710% | 922 |
| Cash dividends to net income (ytd only)* | 52.9977% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 3,998 |
| Loan loss allowance to noncurrent loans | 391.9514% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 3,236 |
| Noncurrent loans to loans | 0.2454% | 3,316 |
| Net loans and leases to total assets | 84.9700% | 133 |
| Net loans and leases to deposits | 106.6407% | 217 |
| Net loans and leases to core deposits | 126.6790% | 232 |
| Total domestic deposits to total assets | 79.6788% | 4,108 |
| Equity capital to assets | 11.2778% | 2,036 |
| Core capital (leverage) ratio | 10.5956% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8790% | 2,681 |
| Memoranda: | ||
| Average total assets | $746,713,000 | 1,112 |
| Average earning assets | $711,169,000 | 1,086 |
| Average equity | $88,968,200 | 1,067 |
| Average total loans | $640,433,200 | 926 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 2,326 |
| Cost of funding earning assets | 1.1248% | 487 |
| Net interest margin | 3.0997% | 3,738 |
| Noninterest income to average assets | 0.2797% | 3,811 |
| Noninterest expense to average assets | 1.4206% | 4,853 |
| Loan and lease loss provision to assets | 0.0894% | 3,198 |
| Net operating income to assets | 1.5909% | 745 |
| Return on assets (ROA) | 1.5936% | 810 |
| Pretax return on assets | 1.7282% | 911 |
| Return on Equity (ROE) | 13.1770% | 1,061 |
| Retained earnings to average equity (ytd only) | 5.6840% | 2,249 |
| Net charge-offs to loans | -0.0011% | 3,818 |
| Credit loss provision to net charge-offs | -9,760.0000% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0172% | 4,830 |
| Assets per employee ($millions) | 8.1800% | 937 |
| Cash dividends to net income (ytd only)* | 56.8639% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,099 |
| Loan loss allowance to noncurrent loans | 323.7634% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 3,244 |
| Noncurrent loans to loans | 0.2755% | 3,307 |
| Net loans and leases to total assets | 86.1058% | 147 |
| Net loans and leases to deposits | 110.3355% | 221 |
| Net loans and leases to core deposits | 131.0499% | 231 |
| Total domestic deposits to total assets | 78.0400% | 4,196 |
| Equity capital to assets | 11.6355% | 1,912 |
| Core capital (leverage) ratio | 10.7293% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0562% | 2,595 |
| Memoranda: | ||
| Average total assets | $728,302,500 | 1,120 |
| Average earning assets | $694,418,000 | 1,096 |
| Average equity | $88,080,750 | 1,066 |
| Average total loans | $624,585,250 | 941 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,537 |
| Cost of funding earning assets | 1.1866% | 525 |
| Net interest margin | 3.0884% | 3,925 |
| Noninterest income to average assets | 0.2812% | 3,784 |
| Noninterest expense to average assets | 1.4682% | 4,871 |
| Loan and lease loss provision to assets | 0.1205% | 2,821 |
| Net operating income to assets | 1.5045% | 919 |
| Return on assets (ROA) | 1.5086% | 985 |
| Pretax return on assets | 1.6468% | 1,109 |
| Return on Equity (ROE) | 12.3045% | 1,261 |
| Retained earnings to average equity (ytd only) | 4.7445% | 2,588 |
| Net charge-offs to loans | -0.0013% | 3,776 |
| Credit loss provision to net charge-offs | -10,725.0000% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5275% | 4,790 |
| Assets per employee ($millions) | 7.9555% | 986 |
| Cash dividends to net income (ytd only)* | 61.4411% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,858 |
| Loan loss allowance to noncurrent loans | 204.0383% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 2,747 |
| Noncurrent loans to loans | 0.4586% | 2,771 |
| Net loans and leases to total assets | 83.5142% | 294 |
| Net loans and leases to deposits | 106.5056% | 310 |
| Net loans and leases to core deposits | 127.8258% | 288 |
| Total domestic deposits to total assets | 78.4130% | 4,131 |
| Equity capital to assets | 11.7374% | 1,812 |
| Core capital (leverage) ratio | 10.9868% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7856% | 2,281 |
| Memoranda: | ||
| Average total assets | $712,038,000 | 1,127 |
| Average earning assets | $680,093,333 | 1,100 |
| Average equity | $87,301,333 | 1,061 |
| Average total loans | $607,731,333 | 949 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,681 |
| Cost of funding earning assets | 1.2695% | 621 |
| Net interest margin | 3.1131% | 4,064 |
| Noninterest income to average assets | 0.3031% | 3,698 |
| Noninterest expense to average assets | 1.5196% | 4,904 |
| Loan and lease loss provision to assets | 0.0371% | 3,307 |
| Net operating income to assets | 1.6026% | 624 |
| Return on assets (ROA) | 1.6112% | 677 |
| Pretax return on assets | 1.7260% | 823 |
| Return on Equity (ROE) | 12.8409% | 904 |
| Retained earnings to average equity (ytd only) | 5.2195% | 2,184 |
| Net charge-offs to loans | -0.0013% | 3,621 |
| Credit loss provision to net charge-offs | -3,200.0000% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4143% | 4,847 |
| Assets per employee ($millions) | 7.2221% | 992 |
| Cash dividends to net income (ytd only)* | 59.3525% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 4,013 |
| Loan loss allowance to noncurrent loans | 244.8578% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,095 |
| Noncurrent loans to loans | 0.3792% | 3,126 |
| Net loans and leases to total assets | 86.1031% | 137 |
| Net loans and leases to deposits | 110.2114% | 183 |
| Net loans and leases to core deposits | 131.6051% | 250 |
| Total domestic deposits to total assets | 78.1254% | 4,197 |
| Equity capital to assets | 12.5870% | 1,681 |
| Core capital (leverage) ratio | 11.6423% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4575% | 2,945 |
| Memoranda: | ||
| Average total assets | $690,170,500 | 1,129 |
| Average earning assets | $658,509,000 | 1,095 |
| Average equity | $86,598,000 | 1,064 |
| Average total loans | $593,027,000 | 949 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 2,920 |
| Cost of funding earning assets | 1.3495% | 660 |
| Net interest margin | 3.1569% | 4,274 |
| Noninterest income to average assets | 0.2589% | 4,127 |
| Noninterest expense to average assets | 1.5138% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5302% | 989 |
| Return on assets (ROA) | 1.5302% | 1,043 |
| Pretax return on assets | 1.7913% | 962 |
| Return on Equity (ROE) | 13.6403% | 972 |
| Retained earnings to average equity (ytd only) | 4.4495% | 2,732 |
| Net charge-offs to loans | 0.0218% | 2,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 93.2653% | 716 |
| Efficiency ratio | 45.0308% | 4,943 |
| Assets per employee ($millions) | 6.4255% | 1,333 |
| Cash dividends to net income (ytd only)* | 67.3796% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,415 |
| Loan loss allowance to noncurrent loans | 227.0206% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 2,811 |
| Noncurrent loans to loans | 0.4468% | 2,838 |
| Net loans and leases to total assets | 87.9213% | 85 |
| Net loans and leases to deposits | 106.7825% | 270 |
| Net loans and leases to core deposits | 126.1092% | 343 |
| Total domestic deposits to total assets | 82.3369% | 3,411 |
| Equity capital to assets | 11.1502% | 2,857 |
| Core capital (leverage) ratio | 10.6777% | 2,782 |
| Tier 1 risk-based capital ratio | 12.0243% | 4,353 |
| Total risk-based capital ratio | 13.0569% | 4,348 |
| Memoranda: | ||
| Average total assets | $510,254,600 | 1,402 |
| Average earning assets | $492,348,200 | 1,345 |
| Average equity | $57,242,200 | 1,421 |
| Average total loans | $450,470,800 | 1,156 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 3,054 |
| Cost of funding earning assets | 1.3359% | 707 |
| Net interest margin | 3.1678% | 4,364 |
| Noninterest income to average assets | 0.2824% | 4,054 |
| Noninterest expense to average assets | 1.4735% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8644% | 548 |
| Return on assets (ROA) | 1.8644% | 569 |
| Pretax return on assets | 1.8644% | 949 |
| Return on Equity (ROE) | 16.5931% | 525 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,288 |
| Net charge-offs to loans | 0.0293% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 72.2161% | 925 |
| Efficiency ratio | 43.3702% | 5,036 |
| Assets per employee ($millions) | 6.5450% | 1,246 |
| Cash dividends to net income (ytd only)* | 74.5373% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,351 |
| Loan loss allowance to noncurrent loans | 199.7055% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,684 |
| Noncurrent loans to loans | 0.5202% | 2,732 |
| Net loans and leases to total assets | 87.4618% | 119 |
| Net loans and leases to deposits | 107.0910% | 287 |
| Net loans and leases to core deposits | 127.7224% | 336 |
| Total domestic deposits to total assets | 81.6705% | 3,568 |
| Equity capital to assets | 11.2180% | 2,908 |
| Core capital (leverage) ratio | 10.7238% | 2,914 |
| Tier 1 risk-based capital ratio | 12.1414% | 4,343 |
| Total risk-based capital ratio | 13.1989% | 4,328 |
| Memoranda: | ||
| Average total assets | $506,096,250 | 1,418 |
| Average earning assets | $488,153,250 | 1,364 |
| Average equity | $56,865,500 | 1,425 |
| Average total loans | $446,090,000 | 1,173 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 3,022 |
| Cost of funding earning assets | 1.3087% | 723 |
| Net interest margin | 3.1908% | 4,388 |
| Noninterest income to average assets | 0.3057% | 3,880 |
| Noninterest expense to average assets | 1.5090% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8732% | 512 |
| Return on assets (ROA) | 1.8732% | 538 |
| Pretax return on assets | 1.8732% | 882 |
| Return on Equity (ROE) | 16.6624% | 501 |
| Retained earnings to average equity (ytd only) | 6.5715% | 2,018 |
| Net charge-offs to loans | 0.0443% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 48.0204% | 1,122 |
| Efficiency ratio | 43.8508% | 5,067 |
| Assets per employee ($millions) | 6.6658% | 1,152 |
| Cash dividends to net income (ytd only)* | 60.5610% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,225 |
| Loan loss allowance to noncurrent loans | 248.4040% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 2,999 |
| Noncurrent loans to loans | 0.4317% | 2,986 |
| Net loans and leases to total assets | 86.4335% | 185 |
| Net loans and leases to deposits | 105.8836% | 347 |
| Net loans and leases to core deposits | 125.6838% | 398 |
| Total domestic deposits to total assets | 81.6306% | 3,626 |
| Equity capital to assets | 11.4483% | 2,642 |
| Core capital (leverage) ratio | 10.7834% | 2,806 |
| Tier 1 risk-based capital ratio | 12.5590% | 4,095 |
| Total risk-based capital ratio | 13.6524% | 4,058 |
| Memoranda: | ||
| Average total assets | $502,444,000 | 1,427 |
| Average earning assets | $484,448,670 | 1,372 |
| Average equity | $56,486,330 | 1,421 |
| Average total loans | $442,463,000 | 1,178 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 3,081 |
| Cost of funding earning assets | 1.2582% | 747 |
| Net interest margin | 3.1833% | 4,422 |
| Noninterest income to average assets | 0.1871% | 4,632 |
| Noninterest expense to average assets | 1.5253% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7299% | 692 |
| Return on assets (ROA) | 1.7299% | 717 |
| Pretax return on assets | 1.7299% | 1,142 |
| Return on Equity (ROE) | 15.5318% | 656 |
| Retained earnings to average equity (ytd only) | 1.8948% | 4,093 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0707% | 5,026 |
| Assets per employee ($millions) | 6.7086% | 1,135 |
| Cash dividends to net income (ytd only)* | 87.8004% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,270 |
| Loan loss allowance to noncurrent loans | 223.6842% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 2,850 |
| Noncurrent loans to loans | 0.4800% | 2,874 |
| Net loans and leases to total assets | 87.5630% | 117 |
| Net loans and leases to deposits | 107.6054% | 279 |
| Net loans and leases to core deposits | 126.6471% | 365 |
| Total domestic deposits to total assets | 81.3742% | 3,889 |
| Equity capital to assets | 10.9870% | 2,866 |
| Core capital (leverage) ratio | 10.5688% | 2,973 |
| Tier 1 risk-based capital ratio | 12.0445% | 4,432 |
| Total risk-based capital ratio | 13.1477% | 4,419 |
| Memoranda: | ||
| Average total assets | $500,366,500 | 1,435 |
| Average earning assets | $482,274,000 | 1,385 |
| Average equity | $55,731,000 | 1,433 |
| Average total loans | $442,385,500 | 1,185 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 2,993 |
| Cost of funding earning assets | 0.9682% | 851 |
| Net interest margin | 3.3643% | 4,091 |
| Noninterest income to average assets | 0.2108% | 4,648 |
| Noninterest expense to average assets | 1.5414% | 5,200 |
| Loan and lease loss provision to assets | 0.0727% | 2,679 |
| Net operating income to assets | 1.8340% | 516 |
| Return on assets (ROA) | 1.8340% | 511 |
| Pretax return on assets | 1.8340% | 840 |
| Return on Equity (ROE) | 16.1661% | 596 |
| Retained earnings to average equity (ytd only) | 4.3703% | 3,140 |
| Net charge-offs to loans | 0.0028% | 3,640 |
| Credit loss provision to net charge-offs | 2,933.3333% | 169 |
| Earnings coverage of net charge-offs (x) | 768.8333% | 142 |
| Efficiency ratio | 43.9223% | 5,183 |
| Assets per employee ($millions) | 6.2933% | 1,324 |
| Cash dividends to net income (ytd only)* | 72.9660% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,990 |
| Loan loss allowance to noncurrent loans | 226.0849% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 2,816 |
| Noncurrent loans to loans | 0.4944% | 2,791 |
| Net loans and leases to total assets | 87.3204% | 148 |
| Net loans and leases to deposits | 105.7990% | 381 |
| Net loans and leases to core deposits | 121.5389% | 508 |
| Total domestic deposits to total assets | 82.5343% | 3,469 |
| Equity capital to assets | 11.2949% | 2,420 |
| Core capital (leverage) ratio | 10.8673% | 2,659 |
| Tier 1 risk-based capital ratio | 12.4292% | 4,181 |
| Total risk-based capital ratio | 13.5740% | 4,108 |
| Memoranda: | ||
| Average total assets | $483,849,400 | 1,447 |
| Average earning assets | $465,600,400 | 1,402 |
| Average equity | $54,892,800 | 1,417 |
| Average total loans | $424,747,800 | 1,195 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,879 |
| Cost of funding earning assets | 0.9225% | 828 |
| Net interest margin | 3.3993% | 4,007 |
| Noninterest income to average assets | 0.2135% | 4,689 |
| Noninterest expense to average assets | 1.4929% | 5,283 |
| Loan and lease loss provision to assets | 0.0755% | 2,450 |
| Net operating income to assets | 1.9166% | 464 |
| Return on assets (ROA) | 1.9166% | 463 |
| Pretax return on assets | 1.9166% | 794 |
| Return on Equity (ROE) | 16.8748% | 556 |
| Retained earnings to average equity (ytd only) | 7.6216% | 1,838 |
| Net charge-offs to loans | 0.0038% | 3,335 |
| Credit loss provision to net charge-offs | 2,275.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 600.2350% | 144 |
| Efficiency ratio | 42.0681% | 5,267 |
| Assets per employee ($millions) | 6.2620% | 1,302 |
| Cash dividends to net income (ytd only)* | 54.8340% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,984 |
| Loan loss allowance to noncurrent loans | 231.0228% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 2,980 |
| Noncurrent loans to loans | 0.4922% | 2,913 |
| Net loans and leases to total assets | 85.9369% | 265 |
| Net loans and leases to deposits | 104.7328% | 507 |
| Net loans and leases to core deposits | 117.7403% | 647 |
| Total domestic deposits to total assets | 82.0535% | 3,595 |
| Equity capital to assets | 11.5978% | 2,181 |
| Core capital (leverage) ratio | 11.1245% | 2,476 |
| Tier 1 risk-based capital ratio | 12.9329% | 3,948 |
| Total risk-based capital ratio | 14.0894% | 3,901 |
| Memoranda: | ||
| Average total assets | $482,092,500 | 1,458 |
| Average earning assets | $463,968,000 | 1,409 |
| Average equity | $54,755,000 | 1,425 |
| Average total loans | $422,564,500 | 1,204 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,761 |
| Cost of funding earning assets | 0.8735% | 813 |
| Net interest margin | 3.4259% | 3,879 |
| Noninterest income to average assets | 0.2145% | 4,737 |
| Noninterest expense to average assets | 1.4616% | 5,362 |
| Loan and lease loss provision to assets | 0.0751% | 2,390 |
| Net operating income to assets | 1.9711% | 400 |
| Return on assets (ROA) | 1.9711% | 398 |
| Pretax return on assets | 1.9711% | 639 |
| Return on Equity (ROE) | 17.4778% | 479 |
| Retained earnings to average equity (ytd only) | 8.7408% | 1,305 |
| Net charge-offs to loans | 0.0057% | 2,952 |
| Credit loss provision to net charge-offs | 1,508.3333% | 272 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 225 |
| Efficiency ratio | 40.8989% | 5,379 |
| Assets per employee ($millions) | 6.4812% | 1,184 |
| Cash dividends to net income (ytd only)* | 49.9895% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,301 |
| Loan loss allowance to noncurrent loans | 199.1905% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,787 |
| Noncurrent loans to loans | 0.5493% | 2,765 |
| Net loans and leases to total assets | 86.9356% | 200 |
| Net loans and leases to deposits | 107.1110% | 387 |
| Net loans and leases to core deposits | 119.0664% | 585 |
| Total domestic deposits to total assets | 81.1641% | 3,950 |
| Equity capital to assets | 11.3836% | 2,282 |
| Core capital (leverage) ratio | 11.0288% | 2,496 |
| Tier 1 risk-based capital ratio | 12.3966% | 4,245 |
| Total risk-based capital ratio | 13.5002% | 4,217 |
| Memoranda: | ||
| Average total assets | $482,064,330 | 1,463 |
| Average earning assets | $463,410,330 | 1,412 |
| Average equity | $54,366,000 | 1,436 |
| Average total loans | $423,708,000 | 1,202 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 2,547 |
| Cost of funding earning assets | 0.8289% | 839 |
| Net interest margin | 3.4637% | 3,662 |
| Noninterest income to average assets | 0.2333% | 4,615 |
| Noninterest expense to average assets | 1.4740% | 5,415 |
| Loan and lease loss provision to assets | 0.0750% | 2,267 |
| Net operating income to assets | 2.0131% | 365 |
| Return on assets (ROA) | 2.0131% | 365 |
| Pretax return on assets | 2.0131% | 560 |
| Return on Equity (ROE) | 17.9357% | 421 |
| Retained earnings to average equity (ytd only) | 10.8831% | 922 |
| Net charge-offs to loans | 0.0114% | 2,336 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 208.8333% | 325 |
| Efficiency ratio | 40.6316% | 5,443 |
| Assets per employee ($millions) | 6.3732% | 1,271 |
| Cash dividends to net income (ytd only)* | 39.3212% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,435 |
| Loan loss allowance to noncurrent loans | 210.8096% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,869 |
| Noncurrent loans to loans | 0.5183% | 2,962 |
| Net loans and leases to total assets | 86.7980% | 208 |
| Net loans and leases to deposits | 105.2562% | 417 |
| Net loans and leases to core deposits | 117.1053% | 689 |
| Total domestic deposits to total assets | 82.4635% | 3,826 |
| Equity capital to assets | 11.3942% | 2,220 |
| Core capital (leverage) ratio | 10.8281% | 2,604 |
| Tier 1 risk-based capital ratio | 12.3939% | 4,312 |
| Total risk-based capital ratio | 13.4953% | 4,306 |
| Memoranda: | ||
| Average total assets | $480,050,500 | 1,471 |
| Average earning assets | $461,355,500 | 1,429 |
| Average equity | $53,881,500 | 1,448 |
| Average total loans | $421,931,000 | 1,213 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 2,757 |
| Cost of funding earning assets | 0.7184% | 930 |
| Net interest margin | 3.4631% | 3,645 |
| Noninterest income to average assets | 0.2223% | 4,818 |
| Noninterest expense to average assets | 1.5792% | 5,432 |
| Loan and lease loss provision to assets | 0.0965% | 2,282 |
| Net operating income to assets | 1.8744% | 358 |
| Return on assets (ROA) | 1.8744% | 366 |
| Pretax return on assets | 1.8744% | 641 |
| Return on Equity (ROE) | 16.8027% | 411 |
| Retained earnings to average equity (ytd only) | 4.9610% | 2,154 |
| Net charge-offs to loans | 0.0176% | 3,508 |
| Credit loss provision to net charge-offs | 626.3889% | 512 |
| Earnings coverage of net charge-offs (x) | 127.9583% | 532 |
| Efficiency ratio | 43.6999% | 5,461 |
| Assets per employee ($millions) | 6.4282% | 1,247 |
| Cash dividends to net income (ytd only)* | 70.4748% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,542 |
| Loan loss allowance to noncurrent loans | 205.4264% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 2,900 |
| Noncurrent loans to loans | 0.5167% | 2,967 |
| Net loans and leases to total assets | 87.0937% | 184 |
| Net loans and leases to deposits | 105.1076% | 440 |
| Net loans and leases to core deposits | 116.4423% | 705 |
| Total domestic deposits to total assets | 82.8615% | 3,606 |
| Equity capital to assets | 11.0555% | 2,575 |
| Core capital (leverage) ratio | 10.5325% | 2,807 |
| Tier 1 risk-based capital ratio | 11.9354% | 4,576 |
| Total risk-based capital ratio | 13.0077% | 4,567 |
| Memoranda: | ||
| Average total assets | $467,465,400 | 1,483 |
| Average earning assets | $449,198,800 | 1,437 |
| Average equity | $52,146,400 | 1,470 |
| Average total loans | $408,921,800 | 1,211 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 2,847 |
| Cost of funding earning assets | 0.6955% | 986 |
| Net interest margin | 3.4421% | 3,702 |
| Noninterest income to average assets | 0.2133% | 4,944 |
| Noninterest expense to average assets | 1.5917% | 5,457 |
| Loan and lease loss provision to assets | 0.1032% | 2,052 |
| Net operating income to assets | 1.8263% | 447 |
| Return on assets (ROA) | 1.8263% | 456 |
| Pretax return on assets | 1.8263% | 835 |
| Return on Equity (ROE) | 16.3339% | 489 |
| Retained earnings to average equity (ytd only) | 5.3427% | 2,652 |
| Net charge-offs to loans | 0.0237% | 2,976 |
| Credit loss provision to net charge-offs | 498.6111% | 645 |
| Earnings coverage of net charge-offs (x) | 93.2199% | 725 |
| Efficiency ratio | 44.4036% | 5,469 |
| Assets per employee ($millions) | 6.3474% | 1,277 |
| Cash dividends to net income (ytd only)* | 67.2911% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,722 |
| Loan loss allowance to noncurrent loans | 197.8924% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 3,034 |
| Noncurrent loans to loans | 0.5364% | 3,097 |
| Net loans and leases to total assets | 86.4054% | 233 |
| Net loans and leases to deposits | 104.6808% | 465 |
| Net loans and leases to core deposits | 116.3615% | 736 |
| Total domestic deposits to total assets | 82.5418% | 3,609 |
| Equity capital to assets | 11.1577% | 2,707 |
| Core capital (leverage) ratio | 10.7041% | 2,763 |
| Tier 1 risk-based capital ratio | 11.9857% | 4,635 |
| Total risk-based capital ratio | 13.0520% | 4,635 |
| Memoranda: | ||
| Average total assets | $463,803,250 | 1,507 |
| Average earning assets | $445,718,750 | 1,457 |
| Average equity | $51,858,000 | 1,494 |
| Average total loans | $405,053,250 | 1,227 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 2,772 |
| Cost of funding earning assets | 0.6790% | 999 |
| Net interest margin | 3.4381% | 3,636 |
| Noninterest income to average assets | 0.1988% | 5,051 |
| Noninterest expense to average assets | 1.6445% | 5,461 |
| Loan and lease loss provision to assets | 0.1157% | 1,776 |
| Net operating income to assets | 1.7385% | 518 |
| Return on assets (ROA) | 1.7385% | 523 |
| Pretax return on assets | 1.7385% | 966 |
| Return on Equity (ROE) | 15.5371% | 595 |
| Retained earnings to average equity (ytd only) | 4.4558% | 3,058 |
| Net charge-offs to loans | 0.0354% | 2,486 |
| Credit loss provision to net charge-offs | 374.6479% | 832 |
| Earnings coverage of net charge-offs (x) | 60.0282% | 949 |
| Efficiency ratio | 46.1950% | 5,455 |
| Assets per employee ($millions) | 6.2587% | 1,280 |
| Cash dividends to net income (ytd only)* | 71.3213% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,748 |
| Loan loss allowance to noncurrent loans | 194.8151% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 3,022 |
| Noncurrent loans to loans | 0.5481% | 3,102 |
| Net loans and leases to total assets | 86.4462% | 243 |
| Net loans and leases to deposits | 101.8979% | 615 |
| Net loans and leases to core deposits | 113.0534% | 845 |
| Total domestic deposits to total assets | 84.8361% | 2,876 |
| Equity capital to assets | 11.2832% | 2,513 |
| Core capital (leverage) ratio | 10.6278% | 2,779 |
| Tier 1 risk-based capital ratio | 12.1365% | 4,541 |
| Total risk-based capital ratio | 13.2144% | 4,545 |
| Memoranda: | ||
| Average total assets | $459,718,670 | 1,530 |
| Average earning assets | $441,231,330 | 1,478 |
| Average equity | $51,438,330 | 1,504 |
| Average total loans | $401,487,000 | 1,241 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 2,775 |
| Cost of funding earning assets | 0.6566% | 1,042 |
| Net interest margin | 3.4116% | 3,618 |
| Noninterest income to average assets | 0.2079% | 5,024 |
| Noninterest expense to average assets | 1.6332% | 5,533 |
| Loan and lease loss provision to assets | 0.1179% | 1,616 |
| Net operating income to assets | 1.7240% | 525 |
| Return on assets (ROA) | 1.7240% | 534 |
| Pretax return on assets | 1.7240% | 953 |
| Return on Equity (ROE) | 15.4737% | 596 |
| Retained earnings to average equity (ytd only) | 4.3035% | 3,275 |
| Net charge-offs to loans | 0.0070% | 2,729 |
| Credit loss provision to net charge-offs | 1,928.5714% | 180 |
| Earnings coverage of net charge-offs (x) | 301.2857% | 198 |
| Efficiency ratio | 46.1674% | 5,522 |
| Assets per employee ($millions) | 6.0862% | 1,437 |
| Cash dividends to net income (ytd only)* | 72.1884% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,971 |
| Loan loss allowance to noncurrent loans | 161.9338% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,610 |
| Noncurrent loans to loans | 0.6493% | 2,879 |
| Net loans and leases to total assets | 86.5489% | 186 |
| Net loans and leases to deposits | 101.4284% | 523 |
| Net loans and leases to core deposits | 112.3840% | 756 |
| Total domestic deposits to total assets | 85.3301% | 2,946 |
| Equity capital to assets | 11.1119% | 2,519 |
| Core capital (leverage) ratio | 10.6584% | 2,728 |
| Tier 1 risk-based capital ratio | 11.9961% | 4,722 |
| Total risk-based capital ratio | 13.0587% | 4,751 |
| Memoranda: | ||
| Average total assets | $458,004,500 | 1,543 |
| Average earning assets | $438,617,500 | 1,490 |
| Average equity | $51,028,500 | 1,514 |
| Average total loans | $399,883,500 | 1,244 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 2,913 |
| Cost of funding earning assets | 0.6698% | 954 |
| Net interest margin | 3.4160% | 3,763 |
| Noninterest income to average assets | 0.2163% | 5,120 |
| Noninterest expense to average assets | 1.5466% | 5,690 |
| Loan and lease loss provision to assets | 0.1220% | 2,021 |
| Net operating income to assets | 1.8345% | 416 |
| Return on assets (ROA) | 1.8345% | 433 |
| Pretax return on assets | 1.8345% | 727 |
| Return on Equity (ROE) | 14.7134% | 667 |
| Retained earnings to average equity (ytd only) | -8.3766% | 5,761 |
| Net charge-offs to loans | 0.0034% | 4,143 |
| Credit loss provision to net charge-offs | 4,223.0769% | 104 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 116 |
| Efficiency ratio | 43.3240% | 5,715 |
| Assets per employee ($millions) | 5.8891% | 1,553 |
| Cash dividends to net income (ytd only)* | 156.9317% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 4,048 |
| Loan loss allowance to noncurrent loans | 132.6688% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 2,656 |
| Noncurrent loans to loans | 0.7870% | 2,550 |
| Net loans and leases to total assets | 86.2382% | 220 |
| Net loans and leases to deposits | 99.4570% | 707 |
| Net loans and leases to core deposits | 110.0934% | 896 |
| Total domestic deposits to total assets | 86.7090% | 2,285 |
| Equity capital to assets | 11.1717% | 2,452 |
| Core capital (leverage) ratio | 10.5320% | 2,849 |
| Tier 1 risk-based capital ratio | 12.1540% | 4,613 |
| Total risk-based capital ratio | 13.2087% | 4,642 |
| Memoranda: | ||
| Average total assets | $449,832,400 | 1,508 |
| Average earning assets | $432,813,600 | 1,461 |
| Average equity | $56,085,000 | 1,372 |
| Average total loans | $384,391,200 | 1,240 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,019 |
| Cost of funding earning assets | 0.6691% | 954 |
| Net interest margin | 3.3855% | 3,904 |
| Noninterest income to average assets | 0.1942% | 5,303 |
| Noninterest expense to average assets | 1.5209% | 5,743 |
| Loan and lease loss provision to assets | 0.1221% | 1,910 |
| Net operating income to assets | 1.8093% | 481 |
| Return on assets (ROA) | 1.8093% | 507 |
| Pretax return on assets | 1.8093% | 886 |
| Return on Equity (ROE) | 14.1404% | 793 |
| Retained earnings to average equity (ytd only) | 5.7843% | 2,311 |
| Net charge-offs to loans | 0.0052% | 3,721 |
| Credit loss provision to net charge-offs | 2,740.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 433.5225% | 203 |
| Efficiency ratio | 43.2209% | 5,762 |
| Assets per employee ($millions) | 5.9093% | 1,512 |
| Cash dividends to net income (ytd only)* | 59.0939% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,240 |
| Loan loss allowance to noncurrent loans | 126.0993% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 2,834 |
| Noncurrent loans to loans | 0.8174% | 2,625 |
| Net loans and leases to total assets | 84.1165% | 402 |
| Net loans and leases to deposits | 100.0617% | 705 |
| Net loans and leases to core deposits | 111.0442% | 864 |
| Total domestic deposits to total assets | 84.0646% | 3,198 |
| Equity capital to assets | 12.9070% | 1,537 |
| Core capital (leverage) ratio | 12.2762% | 1,492 |
| Tier 1 risk-based capital ratio | 14.3291% | 3,381 |
| Total risk-based capital ratio | 15.3730% | 3,415 |
| Memoranda: | ||
| Average total assets | $448,926,000 | 1,511 |
| Average earning assets | $432,023,750 | 1,465 |
| Average equity | $57,441,500 | 1,345 |
| Average total loans | $381,694,000 | 1,237 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 2,985 |
| Cost of funding earning assets | 0.6674% | 950 |
| Net interest margin | 3.4053% | 3,872 |
| Noninterest income to average assets | 0.1960% | 5,323 |
| Noninterest expense to average assets | 1.5306% | 5,817 |
| Loan and lease loss provision to assets | 0.1222% | 1,870 |
| Net operating income to assets | 1.8201% | 462 |
| Return on assets (ROA) | 1.8201% | 488 |
| Pretax return on assets | 1.8201% | 846 |
| Return on Equity (ROE) | 14.2671% | 789 |
| Retained earnings to average equity (ytd only) | 5.8479% | 2,214 |
| Net charge-offs to loans | -0.0016% | 4,349 |
| Credit loss provision to net charge-offs | -9,100.0000% | 5,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2345% | 5,831 |
| Assets per employee ($millions) | 5.9501% | 1,433 |
| Cash dividends to net income (ytd only)* | 59.0116% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 4,449 |
| Loan loss allowance to noncurrent loans | 253.6745% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 4,120 |
| Noncurrent loans to loans | 0.3987% | 3,931 |
| Net loans and leases to total assets | 84.7846% | 358 |
| Net loans and leases to deposits | 101.1663% | 618 |
| Net loans and leases to core deposits | 111.9634% | 813 |
| Total domestic deposits to total assets | 83.8071% | 3,350 |
| Equity capital to assets | 12.9999% | 1,501 |
| Core capital (leverage) ratio | 12.2622% | 1,481 |
| Tier 1 risk-based capital ratio | 14.3288% | 3,419 |
| Total risk-based capital ratio | 15.3570% | 3,456 |
| Memoranda: | ||
| Average total assets | $446,895,330 | 1,528 |
| Average earning assets | $430,036,000 | 1,478 |
| Average equity | $57,012,330 | 1,357 |
| Average total loans | $380,015,000 | 1,247 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,876 |
| Cost of funding earning assets | 0.6705% | 947 |
| Net interest margin | 3.4213% | 3,799 |
| Noninterest income to average assets | 0.1869% | 5,384 |
| Noninterest expense to average assets | 1.5259% | 5,887 |
| Loan and lease loss provision to assets | 0.1216% | 1,739 |
| Net operating income to assets | 1.8345% | 450 |
| Return on assets (ROA) | 1.8345% | 479 |
| Pretax return on assets | 1.8345% | 800 |
| Return on Equity (ROE) | 14.5173% | 743 |
| Retained earnings to average equity (ytd only) | 6.0235% | 2,360 |
| Net charge-offs to loans | -0.0021% | 4,125 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9746% | 5,893 |
| Assets per employee ($millions) | 5.8493% | 1,533 |
| Cash dividends to net income (ytd only)* | 58.5080% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,700 |
| Loan loss allowance to noncurrent loans | 191.3758% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 3,831 |
| Noncurrent loans to loans | 0.5138% | 3,642 |
| Net loans and leases to total assets | 84.4475% | 331 |
| Net loans and leases to deposits | 99.5582% | 655 |
| Net loans and leases to core deposits | 109.8973% | 858 |
| Total domestic deposits to total assets | 84.8222% | 3,197 |
| Equity capital to assets | 12.8329% | 1,489 |
| Core capital (leverage) ratio | 12.0082% | 1,596 |
| Tier 1 risk-based capital ratio | 14.3680% | 3,459 |
| Total risk-based capital ratio | 15.3779% | 3,531 |
| Memoranda: | ||
| Average total assets | $447,214,000 | 1,537 |
| Average earning assets | $430,712,000 | 1,478 |
| Average equity | $56,512,000 | 1,366 |
| Average total loans | $378,910,500 | 1,246 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 2,891 |
| Cost of funding earning assets | 0.7026% | 814 |
| Net interest margin | 3.4035% | 3,899 |
| Noninterest income to average assets | 0.2031% | 5,380 |
| Noninterest expense to average assets | 1.5508% | 5,950 |
| Loan and lease loss provision to assets | 0.0831% | 2,632 |
| Net operating income to assets | 1.8425% | 453 |
| Return on assets (ROA) | 1.8450% | 459 |
| Pretax return on assets | 1.8450% | 736 |
| Return on Equity (ROE) | 14.9162% | 696 |
| Retained earnings to average equity (ytd only) | 6.0813% | 1,749 |
| Net charge-offs to loans | 0.0095% | 4,131 |
| Credit loss provision to net charge-offs | 1,042.8571% | 321 |
| Earnings coverage of net charge-offs (x) | 241.6571% | 292 |
| Efficiency ratio | 43.7590% | 5,986 |
| Assets per employee ($millions) | 5.8426% | 1,506 |
| Cash dividends to net income (ytd only)* | 59.2300% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,880 |
| Loan loss allowance to noncurrent loans | 291.8699% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 4,495 |
| Noncurrent loans to loans | 0.3248% | 4,296 |
| Net loans and leases to total assets | 83.3763% | 440 |
| Net loans and leases to deposits | 96.7223% | 936 |
| Net loans and leases to core deposits | 106.3245% | 1,083 |
| Total domestic deposits to total assets | 86.2017% | 2,538 |
| Equity capital to assets | 12.4423% | 1,651 |
| Core capital (leverage) ratio | 11.9103% | 1,677 |
| Tier 1 risk-based capital ratio | 14.1375% | 3,646 |
| Total risk-based capital ratio | 15.1081% | 3,729 |
| Memoranda: | ||
| Average total assets | $439,250,800 | 1,519 |
| Average earning assets | $422,447,400 | 1,472 |
| Average equity | $54,330,200 | 1,377 |
| Average total loans | $368,171,800 | 1,236 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 2,850 |
| Cost of funding earning assets | 0.7112% | 789 |
| Net interest margin | 3.4101% | 3,909 |
| Noninterest income to average assets | 0.2086% | 5,399 |
| Noninterest expense to average assets | 1.5605% | 6,000 |
| Loan and lease loss provision to assets | 0.0834% | 2,505 |
| Net operating income to assets | 1.8445% | 472 |
| Return on assets (ROA) | 1.8479% | 491 |
| Pretax return on assets | 1.8479% | 809 |
| Return on Equity (ROE) | 14.9629% | 731 |
| Retained earnings to average equity (ytd only) | 6.0608% | 2,204 |
| Net charge-offs to loans | 0.0135% | 3,701 |
| Credit loss provision to net charge-offs | 737.8378% | 470 |
| Earnings coverage of net charge-offs (x) | 170.6288% | 418 |
| Efficiency ratio | 43.8764% | 6,044 |
| Assets per employee ($millions) | 5.6218% | 1,668 |
| Cash dividends to net income (ytd only)* | 59.4943% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 5,070 |
| Loan loss allowance to noncurrent loans | 354.9239% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 4,867 |
| Noncurrent loans to loans | 0.2620% | 4,639 |
| Net loans and leases to total assets | 84.9388% | 309 |
| Net loans and leases to deposits | 99.0135% | 725 |
| Net loans and leases to core deposits | 109.2327% | 918 |
| Total domestic deposits to total assets | 85.7851% | 2,651 |
| Equity capital to assets | 12.5814% | 1,697 |
| Core capital (leverage) ratio | 11.8129% | 1,808 |
| Tier 1 risk-based capital ratio | 13.9778% | 3,858 |
| Total risk-based capital ratio | 14.9281% | 3,968 |
| Memoranda: | ||
| Average total assets | $436,592,750 | 1,538 |
| Average earning assets | $419,924,000 | 1,487 |
| Average equity | $53,918,750 | 1,390 |
| Average total loans | $365,543,250 | 1,248 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 2,914 |
| Cost of funding earning assets | 0.7159% | 778 |
| Net interest margin | 3.3782% | 3,974 |
| Noninterest income to average assets | 0.2101% | 5,429 |
| Noninterest expense to average assets | 1.5735% | 6,065 |
| Loan and lease loss provision to assets | 0.0830% | 2,455 |
| Net operating income to assets | 1.8006% | 516 |
| Return on assets (ROA) | 1.8057% | 531 |
| Pretax return on assets | 1.8057% | 888 |
| Return on Equity (ROE) | 14.7135% | 781 |
| Retained earnings to average equity (ytd only) | 5.7418% | 2,388 |
| Net charge-offs to loans | 0.0204% | 3,272 |
| Credit loss provision to net charge-offs | 489.1892% | 640 |
| Earnings coverage of net charge-offs (x) | 110.9730% | 563 |
| Efficiency ratio | 44.6523% | 6,090 |
| Assets per employee ($millions) | 5.4835% | 1,758 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 5,223 |
| Loan loss allowance to noncurrent loans | 529.3935% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 5,276 |
| Noncurrent loans to loans | 0.1738% | 5,077 |
| Net loans and leases to total assets | 84.6245% | 329 |
| Net loans and leases to deposits | 97.4320% | 842 |
| Net loans and leases to core deposits | 107.7208% | 973 |
| Total domestic deposits to total assets | 86.8549% | 2,243 |
| Equity capital to assets | 12.4816% | 1,670 |
| Core capital (leverage) ratio | 11.6678% | 1,863 |
| Tier 1 risk-based capital ratio | 13.8024% | 4,031 |
| Total risk-based capital ratio | 14.7328% | 4,166 |
| Memoranda: | ||
| Average total assets | $435,957,670 | 1,548 |
| Average earning assets | $419,043,670 | 1,499 |
| Average equity | $53,502,000 | 1,413 |
| Average total loans | $362,074,000 | 1,264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 2,911 |
| Cost of funding earning assets | 0.7129% | 804 |
| Net interest margin | 3.3685% | 3,957 |
| Noninterest income to average assets | 0.2140% | 5,420 |
| Noninterest expense to average assets | 1.5366% | 6,155 |
| Loan and lease loss provision to assets | 0.0823% | 2,328 |
| Net operating income to assets | 1.8320% | 459 |
| Return on assets (ROA) | 1.8421% | 479 |
| Pretax return on assets | 1.8421% | 810 |
| Return on Equity (ROE) | 15.1377% | 690 |
| Retained earnings to average equity (ytd only) | 6.1182% | 2,422 |
| Net charge-offs to loans | 0.0022% | 3,240 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 1,046.5000% | 37 |
| Efficiency ratio | 43.6523% | 6,192 |
| Assets per employee ($millions) | 5.6901% | 1,634 |
| Cash dividends to net income (ytd only)* | 59.5829% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,351 |
| Loan loss allowance to noncurrent loans | 294.7183% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 4,909 |
| Noncurrent loans to loans | 0.3139% | 4,666 |
| Net loans and leases to total assets | 81.8431% | 479 |
| Net loans and leases to deposits | 93.9730% | 985 |
| Net loans and leases to core deposits | 104.4992% | 1,033 |
| Total domestic deposits to total assets | 87.0921% | 2,317 |
| Equity capital to assets | 12.2677% | 1,846 |
| Core capital (leverage) ratio | 11.5385% | 1,969 |
| Tier 1 risk-based capital ratio | 13.9003% | 4,086 |
| Total risk-based capital ratio | 14.8355% | 4,199 |
| Memoranda: | ||
| Average total assets | $437,338,500 | 1,558 |
| Average earning assets | $420,242,500 | 1,502 |
| Average equity | $53,218,000 | 1,425 |
| Average total loans | $358,114,000 | 1,272 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,427 |
| Cost of funding earning assets | 0.8214% | 581 |
| Net interest margin | 3.2520% | 4,747 |
| Noninterest income to average assets | 0.1129% | 6,111 |
| Noninterest expense to average assets | 1.5955% | 6,243 |
| Loan and lease loss provision to assets | 0.1218% | 2,152 |
| Net operating income to assets | 1.4998% | 880 |
| Return on assets (ROA) | 1.4998% | 914 |
| Pretax return on assets | 1.4998% | 1,545 |
| Return on Equity (ROE) | 12.7956% | 1,183 |
| Retained earnings to average equity (ytd only) | 3.4344% | 3,770 |
| Net charge-offs to loans | 0.0327% | 4,177 |
| Credit loss provision to net charge-offs | 475.8929% | 553 |
| Earnings coverage of net charge-offs (x) | 63.3393% | 758 |
| Efficiency ratio | 48.6713% | 6,157 |
| Assets per employee ($millions) | 5.6693% | 1,630 |
| Cash dividends to net income (ytd only)* | 73.1596% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,402 |
| Loan loss allowance to noncurrent loans | 257.3007% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 4,651 |
| Noncurrent loans to loans | 0.3576% | 4,577 |
| Net loans and leases to total assets | 80.4131% | 686 |
| Net loans and leases to deposits | 92.1153% | 1,276 |
| Net loans and leases to core deposits | 102.6244% | 1,199 |
| Total domestic deposits to total assets | 87.2961% | 2,130 |
| Equity capital to assets | 12.0691% | 1,973 |
| Core capital (leverage) ratio | 11.1902% | 2,224 |
| Tier 1 risk-based capital ratio | 14.0182% | 4,078 |
| Total risk-based capital ratio | 14.9608% | 4,226 |
| Memoranda: | ||
| Average total assets | $437,470,400 | 1,525 |
| Average earning assets | $417,591,000 | 1,471 |
| Average equity | $51,275,600 | 1,418 |
| Average total loans | $342,051,400 | 1,283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,495 |
| Cost of funding earning assets | 0.8204% | 622 |
| Net interest margin | 3.2470% | 4,800 |
| Noninterest income to average assets | 0.1322% | 6,111 |
| Noninterest expense to average assets | 1.6053% | 6,279 |
| Loan and lease loss provision to assets | 0.1343% | 1,860 |
| Net operating income to assets | 1.4886% | 962 |
| Return on assets (ROA) | 1.4886% | 991 |
| Pretax return on assets | 1.4886% | 1,680 |
| Return on Equity (ROE) | 12.7955% | 1,271 |
| Retained earnings to average equity (ytd only) | 3.3697% | 4,217 |
| Net charge-offs to loans | 0.0271% | 3,952 |
| Credit loss provision to net charge-offs | 639.1304% | 465 |
| Earnings coverage of net charge-offs (x) | 77.2154% | 721 |
| Efficiency ratio | 48.8017% | 6,168 |
| Assets per employee ($millions) | 5.4998% | 1,724 |
| Cash dividends to net income (ytd only)* | 73.6648% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 5,538 |
| Loan loss allowance to noncurrent loans | 249.3012% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 4,753 |
| Noncurrent loans to loans | 0.3690% | 4,807 |
| Net loans and leases to total assets | 79.5946% | 755 |
| Net loans and leases to deposits | 92.0362% | 1,227 |
| Net loans and leases to core deposits | 102.7248% | 1,174 |
| Total domestic deposits to total assets | 86.4819% | 2,595 |
| Equity capital to assets | 11.9915% | 2,065 |
| Core capital (leverage) ratio | 11.0451% | 2,442 |
| Tier 1 risk-based capital ratio | 13.9366% | 4,261 |
| Total risk-based capital ratio | 14.8693% | 4,405 |
| Memoranda: | ||
| Average total assets | $437,704,000 | 1,530 |
| Average earning assets | $417,355,500 | 1,477 |
| Average equity | $50,923,000 | 1,431 |
| Average total loans | $338,991,250 | 1,296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,474 |
| Cost of funding earning assets | 0.8267% | 621 |
| Net interest margin | 3.2415% | 4,803 |
| Noninterest income to average assets | 0.1449% | 6,094 |
| Noninterest expense to average assets | 1.6286% | 6,336 |
| Loan and lease loss provision to assets | 0.1591% | 1,565 |
| Net operating income to assets | 1.4422% | 979 |
| Return on assets (ROA) | 1.4422% | 1,019 |
| Pretax return on assets | 1.4422% | 1,745 |
| Return on Equity (ROE) | 12.5232% | 1,303 |
| Retained earnings to average equity (ytd only) | 3.0239% | 4,283 |
| Net charge-offs to loans | 0.0393% | 3,441 |
| Credit loss provision to net charge-offs | 528.7879% | 561 |
| Earnings coverage of net charge-offs (x) | 53.2273% | 878 |
| Efficiency ratio | 49.5061% | 6,200 |
| Assets per employee ($millions) | 5.5717% | 1,633 |
| Cash dividends to net income (ytd only)* | 75.8534% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 5,674 |
| Loan loss allowance to noncurrent loans | 213.5431% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 3,549 |
| Noncurrent loans to loans | 0.4295% | 4,702 |
| Net loans and leases to total assets | 76.6295% | 1,094 |
| Net loans and leases to deposits | 88.2471% | 1,564 |
| Net loans and leases to core deposits | 98.2225% | 1,425 |
| Total domestic deposits to total assets | 86.8352% | 2,556 |
| Equity capital to assets | 11.6813% | 2,254 |
| Core capital (leverage) ratio | 10.8693% | 2,561 |
| Tier 1 risk-based capital ratio | 13.8341% | 4,365 |
| Total risk-based capital ratio | 14.7448% | 4,529 |
| Memoranda: | ||
| Average total assets | $438,777,330 | 1,528 |
| Average earning assets | $417,583,000 | 1,473 |
| Average equity | $50,530,330 | 1,434 |
| Average total loans | $335,642,670 | 1,305 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,345 |
| Cost of funding earning assets | 0.8348% | 629 |
| Net interest margin | 3.2508% | 4,742 |
| Noninterest income to average assets | 0.1297% | 6,202 |
| Noninterest expense to average assets | 1.6307% | 6,409 |
| Loan and lease loss provision to assets | 0.1644% | 1,479 |
| Net operating income to assets | 1.4244% | 945 |
| Return on assets (ROA) | 1.4244% | 986 |
| Pretax return on assets | 1.4244% | 1,662 |
| Return on Equity (ROE) | 12.4583% | 1,293 |
| Retained earnings to average equity (ytd only) | 2.8750% | 4,371 |
| Net charge-offs to loans | 0.0816% | 2,336 |
| Credit loss provision to net charge-offs | 264.7059% | 872 |
| Earnings coverage of net charge-offs (x) | 25.5882% | 1,145 |
| Efficiency ratio | 49.7164% | 6,270 |
| Assets per employee ($millions) | 5.5536% | 1,657 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 5,911 |
| Loan loss allowance to noncurrent loans | 163.3094% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 2,722 |
| Noncurrent loans to loans | 0.5416% | 4,545 |
| Net loans and leases to total assets | 75.3725% | 1,078 |
| Net loans and leases to deposits | 86.5987% | 1,523 |
| Net loans and leases to core deposits | 96.2572% | 1,367 |
| Total domestic deposits to total assets | 87.0365% | 2,786 |
| Equity capital to assets | 11.5152% | 2,233 |
| Core capital (leverage) ratio | 10.8366% | 2,556 |
| Tier 1 risk-based capital ratio | 13.8615% | 4,423 |
| Total risk-based capital ratio | 14.7320% | 4,638 |
| Memoranda: | ||
| Average total assets | $438,083,000 | 1,538 |
| Average earning assets | $416,395,000 | 1,486 |
| Average equity | $50,087,000 | 1,444 |
| Average total loans | $333,254,500 | 1,320 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 3,228 |
| Cost of funding earning assets | 0.9368% | 617 |
| Net interest margin | 3.2949% | 4,685 |
| Noninterest income to average assets | 0.2095% | 5,830 |
| Noninterest expense to average assets | 1.6451% | 6,488 |
| Loan and lease loss provision to assets | 0.1088% | 2,984 |
| Net operating income to assets | 1.5678% | 733 |
| Return on assets (ROA) | 1.5717% | 755 |
| Pretax return on assets | 1.5717% | 1,244 |
| Return on Equity (ROE) | 13.7290% | 1,011 |
| Retained earnings to average equity (ytd only) | 4.0251% | 3,326 |
| Net charge-offs to loans | 0.5383% | 1,228 |
| Credit loss provision to net charge-offs | 26.8571% | 4,314 |
| Earnings coverage of net charge-offs (x) | 4.1394% | 3,663 |
| Efficiency ratio | 48.6204% | 6,468 |
| Assets per employee ($millions) | 5.6081% | 1,553 |
| Cash dividends to net income (ytd only)* | 70.6818% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,050 |
| Loan loss allowance to noncurrent loans | 179.6835% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 2,894 |
| Noncurrent loans to loans | 0.4747% | 4,805 |
| Net loans and leases to total assets | 75.4481% | 1,157 |
| Net loans and leases to deposits | 86.6516% | 1,614 |
| Net loans and leases to core deposits | 96.1512% | 1,447 |
| Total domestic deposits to total assets | 87.0707% | 2,686 |
| Equity capital to assets | 11.3510% | 2,290 |
| Core capital (leverage) ratio | 10.7508% | 2,626 |
| Tier 1 risk-based capital ratio | 13.7515% | 4,479 |
| Total risk-based capital ratio | 14.5894% | 4,700 |
| Memoranda: | ||
| Average total assets | $432,074,400 | 1,533 |
| Average earning assets | $408,112,600 | 1,487 |
| Average equity | $49,464,800 | 1,427 |
| Average total loans | $325,069,000 | 1,313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,250 |
| Cost of funding earning assets | 0.9557% | 622 |
| Net interest margin | 3.2796% | 4,718 |
| Noninterest income to average assets | 0.2226% | 5,832 |
| Noninterest expense to average assets | 1.6573% | 6,512 |
| Loan and lease loss provision to assets | 0.0885% | 3,290 |
| Net operating income to assets | 1.5691% | 797 |
| Return on assets (ROA) | 1.5743% | 835 |
| Pretax return on assets | 1.5743% | 1,405 |
| Return on Equity (ROE) | 13.7221% | 1,064 |
| Retained earnings to average equity (ytd only) | 4.0092% | 3,841 |
| Net charge-offs to loans | 0.7233% | 824 |
| Credit loss provision to net charge-offs | 16.3149% | 4,128 |
| Earnings coverage of net charge-offs (x) | 3.0548% | 3,820 |
| Efficiency ratio | 49.0802% | 6,450 |
| Assets per employee ($millions) | 5.5633% | 1,570 |
| Cash dividends to net income (ytd only)* | 70.7826% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 6,275 |
| Loan loss allowance to noncurrent loans | 720.6522% | 653 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 2,895 |
| Noncurrent loans to loans | 0.1117% | 5,996 |
| Net loans and leases to total assets | 75.3320% | 1,096 |
| Net loans and leases to deposits | 86.5159% | 1,557 |
| Net loans and leases to core deposits | 95.7779% | 1,409 |
| Total domestic deposits to total assets | 87.0729% | 2,651 |
| Equity capital to assets | 11.3745% | 2,405 |
| Core capital (leverage) ratio | 10.7977% | 2,672 |
| Tier 1 risk-based capital ratio | 13.7304% | 4,612 |
| Total risk-based capital ratio | 14.5210% | 4,863 |
| Memoranda: | ||
| Average total assets | $430,734,750 | 1,548 |
| Average earning assets | $406,135,500 | 1,501 |
| Average equity | $49,417,750 | 1,441 |
| Average total loans | $323,117,750 | 1,320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 3,297 |
| Cost of funding earning assets | 0.9771% | 608 |
| Net interest margin | 3.2394% | 4,806 |
| Noninterest income to average assets | 0.2202% | 5,864 |
| Noninterest expense to average assets | 1.6757% | 6,526 |
| Loan and lease loss provision to assets | 0.0843% | 3,387 |
| Net operating income to assets | 1.5188% | 871 |
| Return on assets (ROA) | 1.5268% | 927 |
| Pretax return on assets | 1.5268% | 1,544 |
| Return on Equity (ROE) | 13.2692% | 1,176 |
| Retained earnings to average equity (ytd only) | 3.5600% | 4,053 |
| Net charge-offs to loans | 0.2897% | 2,033 |
| Credit loss provision to net charge-offs | 38.9247% | 3,440 |
| Earnings coverage of net charge-offs (x) | 7.4065% | 2,551 |
| Efficiency ratio | 50.1846% | 6,416 |
| Assets per employee ($millions) | 5.5340% | 1,551 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 4,965 |
| Loan loss allowance to noncurrent loans | 195.2648% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8385% | 2,357 |
| Noncurrent loans to loans | 0.6170% | 4,712 |
| Net loans and leases to total assets | 73.7961% | 1,284 |
| Net loans and leases to deposits | 84.9625% | 1,689 |
| Net loans and leases to core deposits | 93.6556% | 1,552 |
| Total domestic deposits to total assets | 86.8572% | 2,906 |
| Equity capital to assets | 11.5142% | 2,277 |
| Core capital (leverage) ratio | 10.8182% | 2,539 |
| Tier 1 risk-based capital ratio | 14.1464% | 4,326 |
| Total risk-based capital ratio | 15.3408% | 4,321 |
| Memoranda: | ||
| Average total assets | $429,668,330 | 1,549 |
| Average earning assets | $405,698,330 | 1,501 |
| Average equity | $49,437,670 | 1,446 |
| Average total loans | $320,976,000 | 1,322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 3,093 |
| Cost of funding earning assets | 0.9948% | 632 |
| Net interest margin | 3.2579% | 4,694 |
| Noninterest income to average assets | 0.1947% | 6,084 |
| Noninterest expense to average assets | 1.6586% | 6,616 |
| Loan and lease loss provision to assets | 0.0834% | 3,259 |
| Net operating income to assets | 1.5344% | 792 |
| Return on assets (ROA) | 1.5344% | 869 |
| Pretax return on assets | 1.5344% | 1,472 |
| Return on Equity (ROE) | 13.3402% | 1,088 |
| Retained earnings to average equity (ytd only) | 3.6675% | 4,036 |
| Net charge-offs to loans | -0.0025% | 5,170 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7170% | 6,521 |
| Assets per employee ($millions) | 5.5289% | 1,646 |
| Cash dividends to net income (ytd only)* | 72.5076% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 4,722 |
| Loan loss allowance to noncurrent loans | 111.9054% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 2,718 |
| Noncurrent loans to loans | 1.1572% | 3,846 |
| Net loans and leases to total assets | 75.3947% | 914 |
| Net loans and leases to deposits | 87.4498% | 1,198 |
| Net loans and leases to core deposits | 96.7165% | 1,161 |
| Total domestic deposits to total assets | 86.2148% | 3,407 |
| Equity capital to assets | 11.6972% | 2,257 |
| Core capital (leverage) ratio | 10.6260% | 2,629 |
| Tier 1 risk-based capital ratio | 13.8577% | 4,611 |
| Total risk-based capital ratio | 15.1084% | 4,568 |
| Memoranda: | ||
| Average total assets | $431,443,000 | 1,562 |
| Average earning assets | $408,113,000 | 1,504 |
| Average equity | $49,624,500 | 1,463 |
| Average total loans | $322,317,000 | 1,318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 2,702 |
| Cost of funding earning assets | 1.1488% | 738 |
| Net interest margin | 3.5227% | 4,405 |
| Noninterest income to average assets | 0.1770% | 6,133 |
| Noninterest expense to average assets | 1.5975% | 6,809 |
| Loan and lease loss provision to assets | 0.3206% | 2,129 |
| Net operating income to assets | 1.6031% | 757 |
| Return on assets (ROA) | 1.6031% | 836 |
| Pretax return on assets | 1.6031% | 1,379 |
| Return on Equity (ROE) | 14.0079% | 990 |
| Retained earnings to average equity (ytd only) | 4.7800% | 2,863 |
| Net charge-offs to loans | 0.4185% | 2,566 |
| Credit loss provision to net charge-offs | 101.9403% | 2,961 |
| Earnings coverage of net charge-offs (x) | 6.1172% | 2,871 |
| Efficiency ratio | 44.5015% | 6,833 |
| Assets per employee ($millions) | 5.7521% | 1,474 |
| Cash dividends to net income (ytd only)* | 65.8762% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 4,691 |
| Loan loss allowance to noncurrent loans | 62.8951% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 2,819 |
| Noncurrent loans to loans | 2.0501% | 2,643 |
| Net loans and leases to total assets | 72.1313% | 1,466 |
| Net loans and leases to deposits | 83.2227% | 1,850 |
| Net loans and leases to core deposits | 91.7065% | 1,655 |
| Total domestic deposits to total assets | 86.6726% | 3,010 |
| Equity capital to assets | 11.3119% | 2,618 |
| Core capital (leverage) ratio | 10.4153% | 2,868 |
| Tier 1 risk-based capital ratio | 13.6817% | 4,614 |
| Total risk-based capital ratio | 14.9319% | 4,566 |
| Memoranda: | ||
| Average total assets | $426,108,200 | 1,540 |
| Average earning assets | $404,514,800 | 1,490 |
| Average equity | $48,765,200 | 1,443 |
| Average total loans | $320,196,800 | 1,313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 2,475 |
| Cost of funding earning assets | 1.1774% | 771 |
| Net interest margin | 3.5985% | 4,242 |
| Noninterest income to average assets | 0.2819% | 5,524 |
| Noninterest expense to average assets | 1.5933% | 6,881 |
| Loan and lease loss provision to assets | 0.4012% | 1,596 |
| Net operating income to assets | 1.7064% | 677 |
| Return on assets (ROA) | 1.7064% | 752 |
| Pretax return on assets | 1.7064% | 1,254 |
| Return on Equity (ROE) | 14.8657% | 930 |
| Retained earnings to average equity (ytd only) | 5.8113% | 2,825 |
| Net charge-offs to loans | 0.0982% | 4,401 |
| Credit loss provision to net charge-offs | 539.8305% | 496 |
| Earnings coverage of net charge-offs (x) | 28.3558% | 1,152 |
| Efficiency ratio | 42.2177% | 6,959 |
| Assets per employee ($millions) | 5.5136% | 1,623 |
| Cash dividends to net income (ytd only)* | 60.9081% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,334 |
| Loan loss allowance to noncurrent loans | 64.0015% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.6077% | 2,022 |
| Noncurrent loans to loans | 2.5765% | 2,217 |
| Net loans and leases to total assets | 72.0834% | 1,541 |
| Net loans and leases to deposits | 83.3758% | 1,943 |
| Net loans and leases to core deposits | 92.8109% | 1,697 |
| Total domestic deposits to total assets | 86.4560% | 3,013 |
| Equity capital to assets | 11.6078% | 2,638 |
| Core capital (leverage) ratio | 10.5391% | 2,870 |
| Tier 1 risk-based capital ratio | 13.7359% | 4,736 |
| Total risk-based capital ratio | 14.9902% | 4,684 |
| Memoranda: | ||
| Average total assets | $423,345,250 | 1,568 |
| Average earning assets | $402,229,500 | 1,515 |
| Average equity | $48,593,750 | 1,460 |
| Average total loans | $320,384,000 | 1,327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 2,196 |
| Cost of funding earning assets | 1.1991% | 828 |
| Net interest margin | 3.6790% | 3,931 |
| Noninterest income to average assets | 0.2866% | 5,518 |
| Noninterest expense to average assets | 1.5893% | 6,938 |
| Loan and lease loss provision to assets | 0.0861% | 4,511 |
| Net operating income to assets | 2.1090% | 336 |
| Return on assets (ROA) | 2.1090% | 378 |
| Pretax return on assets | 2.1090% | 574 |
| Return on Equity (ROE) | 18.4432% | 459 |
| Retained earnings to average equity (ytd only) | 9.7592% | 1,045 |
| Net charge-offs to loans | 0.0433% | 4,769 |
| Credit loss provision to net charge-offs | 260.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 66.3143% | 587 |
| Efficiency ratio | 41.1846% | 7,040 |
| Assets per employee ($millions) | 5.4912% | 1,628 |
| Cash dividends to net income (ytd only)* | 47.0852% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,866 |
| Loan loss allowance to noncurrent loans | 73.5912% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 2,778 |
| Noncurrent loans to loans | 1.7732% | 3,253 |
| Net loans and leases to total assets | 75.2162% | 1,074 |
| Net loans and leases to deposits | 87.0419% | 1,471 |
| Net loans and leases to core deposits | 96.1850% | 1,413 |
| Total domestic deposits to total assets | 86.4137% | 3,130 |
| Equity capital to assets | 11.7259% | 2,386 |
| Core capital (leverage) ratio | 10.6849% | 2,617 |
| Tier 1 risk-based capital ratio | 13.4944% | 4,828 |
| Total risk-based capital ratio | 14.7446% | 4,785 |
| Memoranda: | ||
| Average total assets | $422,943,670 | 1,571 |
| Average earning assets | $402,120,000 | 1,521 |
| Average equity | $48,364,670 | 1,457 |
| Average total loans | $323,458,330 | 1,313 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 1,987 |
| Cost of funding earning assets | 1.2284% | 854 |
| Net interest margin | 3.7429% | 3,624 |
| Noninterest income to average assets | 0.2856% | 5,587 |
| Noninterest expense to average assets | 1.5726% | 7,006 |
| Loan and lease loss provision to assets | 0.0861% | 4,302 |
| Net operating income to assets | 2.1882% | 300 |
| Return on assets (ROA) | 2.1882% | 354 |
| Pretax return on assets | 2.1882% | 550 |
| Return on Equity (ROE) | 19.3815% | 420 |
| Retained earnings to average equity (ytd only) | 10.5869% | 1,144 |
| Net charge-offs to loans | -0.0037% | 5,761 |
| Credit loss provision to net charge-offs | -3,033.3333% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0688% | 7,105 |
| Assets per employee ($millions) | 5.6549% | 1,562 |
| Cash dividends to net income (ytd only)* | 45.3760% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 5,041 |
| Loan loss allowance to noncurrent loans | 103.2298% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 3,806 |
| Noncurrent loans to loans | 1.2558% | 4,237 |
| Net loans and leases to total assets | 75.1646% | 899 |
| Net loans and leases to deposits | 86.6899% | 1,327 |
| Net loans and leases to core deposits | 96.0853% | 1,290 |
| Total domestic deposits to total assets | 86.7052% | 3,114 |
| Equity capital to assets | 11.3871% | 2,537 |
| Core capital (leverage) ratio | 10.3940% | 2,882 |
| Tier 1 risk-based capital ratio | 13.4077% | 4,892 |
| Total risk-based capital ratio | 14.6583% | 4,883 |
| Memoranda: | ||
| Average total assets | $423,003,500 | 1,574 |
| Average earning assets | $402,472,000 | 1,510 |
| Average equity | $47,757,000 | 1,466 |
| Average total loans | $324,069,000 | 1,307 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 1,490 |
| Cost of funding earning assets | 1.4662% | 817 |
| Net interest margin | 3.9064% | 3,313 |
| Noninterest income to average assets | 0.1109% | 6,597 |
| Noninterest expense to average assets | 1.6122% | 7,112 |
| Loan and lease loss provision to assets | 0.1643% | 4,578 |
| Net operating income to assets | 2.0361% | 288 |
| Return on assets (ROA) | 2.0361% | 306 |
| Pretax return on assets | 2.0361% | 493 |
| Return on Equity (ROE) | 18.2763% | 361 |
| Retained earnings to average equity (ytd only) | 8.9630% | 812 |
| Net charge-offs to loans | 0.0958% | 5,391 |
| Credit loss provision to net charge-offs | 213.8264% | 1,145 |
| Earnings coverage of net charge-offs (x) | 28.6399% | 868 |
| Efficiency ratio | 41.4437% | 7,180 |
| Assets per employee ($millions) | 5.4790% | 1,657 |
| Cash dividends to net income (ytd only)* | 50.9585% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 5,120 |
| Loan loss allowance to noncurrent loans | 107.7956% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,061 |
| Noncurrent loans to loans | 1.1677% | 4,414 |
| Net loans and leases to total assets | 76.1033% | 937 |
| Net loans and leases to deposits | 87.5888% | 1,439 |
| Net loans and leases to core deposits | 97.0176% | 1,409 |
| Total domestic deposits to total assets | 86.8870% | 2,822 |
| Equity capital to assets | 11.1924% | 2,802 |
| Core capital (leverage) ratio | 10.1674% | 3,142 |
| Tier 1 risk-based capital ratio | 12.9536% | 5,103 |
| Total risk-based capital ratio | 14.2038% | 5,088 |
| Memoranda: | ||
| Average total assets | $404,795,400 | 1,605 |
| Average earning assets | $383,575,200 | 1,546 |
| Average equity | $45,096,600 | 1,510 |
| Average total loans | $324,591,600 | 1,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 1,297 |
| Cost of funding earning assets | 1.5052% | 842 |
| Net interest margin | 3.9767% | 3,020 |
| Noninterest income to average assets | 0.2057% | 6,132 |
| Noninterest expense to average assets | 1.6358% | 7,150 |
| Loan and lease loss provision to assets | 0.0909% | 5,321 |
| Net operating income to assets | 2.2440% | 241 |
| Return on assets (ROA) | 2.2440% | 258 |
| Pretax return on assets | 2.2440% | 399 |
| Return on Equity (ROE) | 20.1673% | 300 |
| Retained earnings to average equity (ytd only) | 10.7433% | 671 |
| Net charge-offs to loans | -0.0090% | 6,768 |
| Credit loss provision to net charge-offs | -1,240.9091% | 6,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3756% | 7,249 |
| Assets per employee ($millions) | 5.2131% | 1,916 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,312 |
| Loan loss allowance to noncurrent loans | 167.1778% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 4,446 |
| Noncurrent loans to loans | 0.7404% | 5,398 |
| Net loans and leases to total assets | 78.1510% | 692 |
| Net loans and leases to deposits | 90.2793% | 1,180 |
| Net loans and leases to core deposits | 100.8789% | 1,173 |
| Total domestic deposits to total assets | 86.5657% | 2,900 |
| Equity capital to assets | 11.3509% | 2,815 |
| Core capital (leverage) ratio | 10.2783% | 3,103 |
| Tier 1 risk-based capital ratio | 12.8656% | 5,193 |
| Total risk-based capital ratio | 14.1152% | 5,169 |
| Memoranda: | ||
| Average total assets | $400,522,750 | 1,627 |
| Average earning assets | $379,201,250 | 1,571 |
| Average equity | $44,566,000 | 1,524 |
| Average total loans | $324,449,000 | 1,314 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 1,242 |
| Cost of funding earning assets | 1.5261% | 916 |
| Net interest margin | 3.9997% | 2,836 |
| Noninterest income to average assets | 0.2142% | 6,139 |
| Noninterest expense to average assets | 1.6469% | 7,225 |
| Loan and lease loss provision to assets | 0.0912% | 5,177 |
| Net operating income to assets | 2.2598% | 237 |
| Return on assets (ROA) | 2.2598% | 253 |
| Pretax return on assets | 2.2598% | 376 |
| Return on Equity (ROE) | 20.4521% | 286 |
| Retained earnings to average equity (ytd only) | 10.8716% | 689 |
| Net charge-offs to loans | -0.0179% | 6,797 |
| Credit loss provision to net charge-offs | -624.1379% | 6,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3732% | 7,329 |
| Assets per employee ($millions) | 5.2633% | 1,804 |
| Cash dividends to net income (ytd only)* | 46.8436% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,469 |
| Loan loss allowance to noncurrent loans | 148.1245% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 4,277 |
| Noncurrent loans to loans | 0.8233% | 5,287 |
| Net loans and leases to total assets | 78.9267% | 657 |
| Net loans and leases to deposits | 90.7893% | 1,183 |
| Net loans and leases to core deposits | 101.2837% | 1,230 |
| Total domestic deposits to total assets | 86.9339% | 2,780 |
| Equity capital to assets | 11.1871% | 2,779 |
| Core capital (leverage) ratio | 10.1510% | 3,089 |
| Tier 1 risk-based capital ratio | 12.5524% | 5,292 |
| Total risk-based capital ratio | 13.7827% | 5,292 |
| Memoranda: | ||
| Average total assets | $396,752,000 | 1,658 |
| Average earning assets | $375,326,000 | 1,601 |
| Average equity | $43,839,000 | 1,533 |
| Average total loans | $323,969,670 | 1,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 1,118 |
| Cost of funding earning assets | 1.5452% | 998 |
| Net interest margin | 4.0258% | 2,582 |
| Noninterest income to average assets | 0.2120% | 6,218 |
| Noninterest expense to average assets | 1.6887% | 7,240 |
| Loan and lease loss provision to assets | 0.0917% | 4,867 |
| Net operating income to assets | 2.2390% | 244 |
| Return on assets (ROA) | 2.2390% | 260 |
| Pretax return on assets | 2.2390% | 372 |
| Return on Equity (ROE) | 20.3948% | 315 |
| Retained earnings to average equity (ytd only) | 10.6476% | 964 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2018% | 7,369 |
| Assets per employee ($millions) | 5.1854% | 1,912 |
| Cash dividends to net income (ytd only)* | 47.7924% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 5,719 |
| Loan loss allowance to noncurrent loans | 151.5835% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 4,309 |
| Noncurrent loans to loans | 0.7786% | 5,480 |
| Net loans and leases to total assets | 81.3577% | 409 |
| Net loans and leases to deposits | 93.5000% | 874 |
| Net loans and leases to core deposits | 104.1468% | 1,054 |
| Total domestic deposits to total assets | 87.0135% | 2,929 |
| Equity capital to assets | 11.1016% | 2,585 |
| Core capital (leverage) ratio | 10.0486% | 3,090 |
| Tier 1 risk-based capital ratio | 12.1966% | 5,512 |
| Total risk-based capital ratio | 13.3934% | 5,555 |
| Memoranda: | ||
| Average total assets | $392,492,500 | 1,682 |
| Average earning assets | $371,203,500 | 1,630 |
| Average equity | $43,089,500 | 1,545 |
| Average total loans | $324,046,500 | 1,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7831% | 1,324 |
| Cost of funding earning assets | 1.7919% | 1,201 |
| Net interest margin | 3.9913% | 3,056 |
| Noninterest income to average assets | 0.1390% | 6,696 |
| Noninterest expense to average assets | 1.7518% | 7,301 |
| Loan and lease loss provision to assets | 0.0985% | 6,157 |
| Net operating income to assets | 2.0560% | 255 |
| Return on assets (ROA) | 1.9615% | 318 |
| Pretax return on assets | 1.9615% | 526 |
| Return on Equity (ROE) | 17.4768% | 432 |
| Retained earnings to average equity (ytd only) | 7.0138% | 1,314 |
| Net charge-offs to loans | -0.0351% | 7,416 |
| Credit loss provision to net charge-offs | -337.9630% | 7,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9461% | 7,423 |
| Assets per employee ($millions) | 5.2824% | 1,771 |
| Cash dividends to net income (ytd only)* | 59.8679% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,712 |
| Loan loss allowance to noncurrent loans | 136.4101% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 4,459 |
| Noncurrent loans to loans | 0.8469% | 5,367 |
| Net loans and leases to total assets | 81.8385% | 464 |
| Net loans and leases to deposits | 93.7637% | 1,081 |
| Net loans and leases to core deposits | 104.1965% | 1,301 |
| Total domestic deposits to total assets | 87.2816% | 2,680 |
| Equity capital to assets | 10.8542% | 2,813 |
| Core capital (leverage) ratio | 9.9466% | 3,147 |
| Tier 1 risk-based capital ratio | 11.9755% | 5,498 |
| Total risk-based capital ratio | 13.1588% | 5,541 |
| Memoranda: | ||
| Average total assets | $370,427,800 | 1,778 |
| Average earning assets | $349,636,600 | 1,712 |
| Average equity | $41,575,200 | 1,594 |
| Average total loans | $307,967,000 | 1,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8065% | 1,377 |
| Cost of funding earning assets | 1.8414% | 1,255 |
| Net interest margin | 3.9651% | 3,262 |
| Noninterest income to average assets | 0.1299% | 6,907 |
| Noninterest expense to average assets | 1.7628% | 7,376 |
| Loan and lease loss provision to assets | 0.0996% | 6,025 |
| Net operating income to assets | 2.0085% | 333 |
| Return on assets (ROA) | 1.9720% | 378 |
| Pretax return on assets | 1.9720% | 657 |
| Return on Equity (ROE) | 17.4166% | 543 |
| Retained earnings to average equity (ytd only) | 8.2296% | 1,343 |
| Net charge-offs to loans | -0.0522% | 7,476 |
| Credit loss provision to net charge-offs | -229.4118% | 6,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6257% | 7,444 |
| Assets per employee ($millions) | 5.0763% | 2,085 |
| Cash dividends to net income (ytd only)* | 52.7485% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,665 |
| Loan loss allowance to noncurrent loans | 155.4611% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 4,806 |
| Noncurrent loans to loans | 0.7461% | 5,713 |
| Net loans and leases to total assets | 82.9855% | 410 |
| Net loans and leases to deposits | 95.9240% | 986 |
| Net loans and leases to core deposits | 106.2105% | 1,308 |
| Total domestic deposits to total assets | 86.5117% | 2,799 |
| Equity capital to assets | 11.4185% | 2,593 |
| Core capital (leverage) ratio | 10.2287% | 3,004 |
| Tier 1 risk-based capital ratio | 12.0385% | 5,426 |
| Total risk-based capital ratio | 13.2144% | 5,465 |
| Memoranda: | ||
| Average total assets | $365,310,250 | 1,813 |
| Average earning assets | $344,661,250 | 1,758 |
| Average equity | $41,361,750 | 1,602 |
| Average total loans | $304,047,750 | 1,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7898% | 1,445 |
| Cost of funding earning assets | 1.8772% | 1,316 |
| Net interest margin | 3.9126% | 3,388 |
| Noninterest income to average assets | 0.0370% | 7,398 |
| Noninterest expense to average assets | 1.7719% | 7,422 |
| Loan and lease loss provision to assets | 0.1000% | 5,909 |
| Net operating income to assets | 1.8537% | 445 |
| Return on assets (ROA) | 1.7985% | 532 |
| Pretax return on assets | 1.7985% | 888 |
| Return on Equity (ROE) | 15.9309% | 710 |
| Retained earnings to average equity (ytd only) | 7.1185% | 1,786 |
| Net charge-offs to loans | -0.1339% | 7,594 |
| Credit loss provision to net charge-offs | -90.0498% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5955% | 7,412 |
| Assets per employee ($millions) | 4.9710% | 2,217 |
| Cash dividends to net income (ytd only)* | 55.3165% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 5,478 |
| Loan loss allowance to noncurrent loans | 138.1295% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2622% | 4,621 |
| Noncurrent loans to loans | 0.8657% | 5,539 |
| Net loans and leases to total assets | 81.9385% | 538 |
| Net loans and leases to deposits | 94.9204% | 1,162 |
| Net loans and leases to core deposits | 104.9002% | 1,550 |
| Total domestic deposits to total assets | 86.3234% | 2,919 |
| Equity capital to assets | 11.2838% | 2,606 |
| Core capital (leverage) ratio | 10.1276% | 3,024 |
| Tier 1 risk-based capital ratio | 12.0109% | 5,299 |
| Total risk-based capital ratio | 13.2178% | 5,307 |
| Memoranda: | ||
| Average total assets | $361,865,670 | 1,847 |
| Average earning assets | $341,152,330 | 1,794 |
| Average equity | $40,851,330 | 1,617 |
| Average total loans | $300,267,670 | 1,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8094% | 1,425 |
| Cost of funding earning assets | 1.9092% | 1,410 |
| Net interest margin | 3.9002% | 3,322 |
| Noninterest income to average assets | 0.2753% | 5,952 |
| Noninterest expense to average assets | 1.7912% | 7,475 |
| Loan and lease loss provision to assets | 0.1003% | 5,624 |
| Net operating income to assets | 2.0564% | 315 |
| Return on assets (ROA) | 1.9985% | 380 |
| Pretax return on assets | 1.9985% | 608 |
| Return on Equity (ROE) | 17.6986% | 544 |
| Retained earnings to average equity (ytd only) | 8.8147% | 1,454 |
| Net charge-offs to loans | 0.0094% | 5,463 |
| Credit loss provision to net charge-offs | 1,285.7143% | 380 |
| Earnings coverage of net charge-offs (x) | 276.4286% | 121 |
| Efficiency ratio | 44.4664% | 7,605 |
| Assets per employee ($millions) | 4.8517% | 2,437 |
| Cash dividends to net income (ytd only)* | 50.1952% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,854 |
| Loan loss allowance to noncurrent loans | 146.8860% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 4,116 |
| Noncurrent loans to loans | 0.7707% | 5,785 |
| Net loans and leases to total assets | 81.4705% | 651 |
| Net loans and leases to deposits | 94.0267% | 1,346 |
| Net loans and leases to core deposits | 103.7142% | 1,769 |
| Total domestic deposits to total assets | 86.6462% | 2,818 |
| Equity capital to assets | 11.4258% | 2,421 |
| Core capital (leverage) ratio | 10.1094% | 3,031 |
| Tier 1 risk-based capital ratio | 12.0397% | 5,157 |
| Total risk-based capital ratio | 13.1685% | 5,235 |
| Memoranda: | ||
| Average total assets | $358,871,000 | 1,910 |
| Average earning assets | $337,934,000 | 1,849 |
| Average equity | $40,523,000 | 1,649 |
| Average total loans | $297,870,000 | 1,576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0197% | 1,787 |
| Cost of funding earning assets | 2.2960% | 1,677 |
| Net interest margin | 3.7237% | 4,029 |
| Noninterest income to average assets | 0.2300% | 6,466 |
| Noninterest expense to average assets | 1.8820% | 7,528 |
| Loan and lease loss provision to assets | 0.3348% | 4,799 |
| Net operating income to assets | 1.5240% | 643 |
| Return on assets (ROA) | 1.4922% | 737 |
| Pretax return on assets | 1.4922% | 1,203 |
| Return on Equity (ROE) | 13.2499% | 905 |
| Retained earnings to average equity (ytd only) | 4.0004% | 2,411 |
| Net charge-offs to loans | 0.3135% | 4,671 |
| Credit loss provision to net charge-offs | 129.4183% | 3,964 |
| Earnings coverage of net charge-offs (x) | 7.1857% | 2,203 |
| Efficiency ratio | 49.3038% | 7,577 |
| Assets per employee ($millions) | 5.0523% | 2,151 |
| Cash dividends to net income (ytd only)* | 69.8080% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,950 |
| Loan loss allowance to noncurrent loans | 92.8105% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 4,061 |
| Noncurrent loans to loans | 1.1734% | 4,980 |
| Net loans and leases to total assets | 82.6907% | 577 |
| Net loans and leases to deposits | 95.6743% | 1,368 |
| Net loans and leases to core deposits | 132.4417% | 1,145 |
| Total domestic deposits to total assets | 86.4293% | 2,807 |
| Equity capital to assets | 11.1576% | 2,570 |
| Core capital (leverage) ratio | 9.9149% | 3,176 |
| Tier 1 risk-based capital ratio | 11.5568% | 5,338 |
| Total risk-based capital ratio | 12.6415% | 5,477 |
| Memoranda: | ||
| Average total assets | $345,593,400 | 1,975 |
| Average earning assets | $325,831,600 | 1,911 |
| Average equity | $38,921,000 | 1,720 |
| Average total loans | $285,148,200 | 1,681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0715% | 1,760 |
| Cost of funding earning assets | 2.3533% | 1,792 |
| Net interest margin | 3.7182% | 3,998 |
| Noninterest income to average assets | 0.2131% | 6,705 |
| Noninterest expense to average assets | 1.9113% | 7,529 |
| Loan and lease loss provision to assets | 0.0911% | 6,458 |
| Net operating income to assets | 1.7165% | 542 |
| Return on assets (ROA) | 1.7037% | 587 |
| Pretax return on assets | 1.7037% | 970 |
| Return on Equity (ROE) | 15.0907% | 761 |
| Retained earnings to average equity (ytd only) | 5.7755% | 2,059 |
| Net charge-offs to loans | 0.0535% | 6,175 |
| Credit loss provision to net charge-offs | 207.0796% | 2,141 |
| Earnings coverage of net charge-offs (x) | 41.0716% | 735 |
| Efficiency ratio | 50.3770% | 7,529 |
| Assets per employee ($millions) | 4.8229% | 2,367 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,947 |
| Loan loss allowance to noncurrent loans | 151.9455% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 5,318 |
| Noncurrent loans to loans | 0.6994% | 5,900 |
| Net loans and leases to total assets | 82.6058% | 726 |
| Net loans and leases to deposits | 96.6213% | 1,499 |
| Net loans and leases to core deposits | 132.5091% | 1,307 |
| Total domestic deposits to total assets | 85.4944% | 2,968 |
| Equity capital to assets | 11.4423% | 2,639 |
| Core capital (leverage) ratio | 10.1440% | 3,123 |
| Tier 1 risk-based capital ratio | 11.8393% | 5,114 |
| Total risk-based capital ratio | 12.8997% | 5,228 |
| Memoranda: | ||
| Average total assets | $342,313,250 | 2,003 |
| Average earning assets | $322,767,500 | 1,947 |
| Average equity | $38,645,250 | 1,754 |
| Average total loans | $281,463,000 | 1,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0774% | 1,865 |
| Cost of funding earning assets | 2.4049% | 1,953 |
| Net interest margin | 3.6725% | 4,076 |
| Noninterest income to average assets | 0.2672% | 6,359 |
| Noninterest expense to average assets | 1.9619% | 7,531 |
| Loan and lease loss provision to assets | 0.0920% | 6,250 |
| Net operating income to assets | 1.6740% | 591 |
| Return on assets (ROA) | 1.6740% | 651 |
| Pretax return on assets | 1.6740% | 1,071 |
| Return on Equity (ROE) | 14.8982% | 849 |
| Retained earnings to average equity (ytd only) | 5.4490% | 2,269 |
| Net charge-offs to loans | 0.0325% | 6,001 |
| Credit loss provision to net charge-offs | 346.6667% | 1,338 |
| Earnings coverage of net charge-offs (x) | 66.5333% | 551 |
| Efficiency ratio | 51.5981% | 7,547 |
| Assets per employee ($millions) | 4.6202% | 2,572 |
| Cash dividends to net income (ytd only)* | 63.4249% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 5,716 |
| Loan loss allowance to noncurrent loans | 273.3977% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 5,629 |
| Noncurrent loans to loans | 0.3959% | 6,521 |
| Net loans and leases to total assets | 83.2315% | 750 |
| Net loans and leases to deposits | 97.3931% | 1,613 |
| Net loans and leases to core deposits | 133.7829% | 1,324 |
| Total domestic deposits to total assets | 85.4594% | 3,035 |
| Equity capital to assets | 11.3271% | 2,653 |
| Core capital (leverage) ratio | 10.1712% | 3,124 |
| Tier 1 risk-based capital ratio | 12.0115% | 4,902 |
| Total risk-based capital ratio | 13.1048% | 4,956 |
| Memoranda: | ||
| Average total assets | $339,060,670 | 2,042 |
| Average earning assets | $319,510,000 | 1,987 |
| Average equity | $38,098,670 | 1,798 |
| Average total loans | $277,299,000 | 1,786 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0584% | 2,119 |
| Cost of funding earning assets | 2.4915% | 1,949 |
| Net interest margin | 3.5669% | 4,457 |
| Noninterest income to average assets | 0.4170% | 5,081 |
| Noninterest expense to average assets | 1.9666% | 7,421 |
| Loan and lease loss provision to assets | 0.0924% | 5,776 |
| Net operating income to assets | 1.7178% | 624 |
| Return on assets (ROA) | 1.7178% | 688 |
| Pretax return on assets | 1.7178% | 1,145 |
| Return on Equity (ROE) | 15.3502% | 911 |
| Retained earnings to average equity (ytd only) | 5.8225% | 2,708 |
| Net charge-offs to loans | 0.0074% | 5,576 |
| Credit loss provision to net charge-offs | 1,560.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 305.6000% | 134 |
| Efficiency ratio | 51.0351% | 7,508 |
| Assets per employee ($millions) | 4.4612% | 2,786 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,246 |
| Loan loss allowance to noncurrent loans | 251.5127% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 4,970 |
| Noncurrent loans to loans | 0.4502% | 6,296 |
| Net loans and leases to total assets | 79.2185% | 1,537 |
| Net loans and leases to deposits | 92.8007% | 2,468 |
| Net loans and leases to core deposits | 126.1641% | 1,906 |
| Total domestic deposits to total assets | 85.3642% | 3,030 |
| Equity capital to assets | 11.2803% | 2,739 |
| Core capital (leverage) ratio | 10.0573% | 3,338 |
| Tier 1 risk-based capital ratio | 12.4392% | 4,581 |
| Total risk-based capital ratio | 13.5749% | 4,602 |
| Memoranda: | ||
| Average total assets | $337,642,000 | 2,063 |
| Average earning assets | $318,036,500 | 2,004 |
| Average equity | $37,784,500 | 1,805 |
| Average total loans | $272,108,000 | 1,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5048% | 2,933 |
| Cost of funding earning assets | 3.1965% | 1,204 |
| Net interest margin | 3.3083% | 6,009 |
| Noninterest income to average assets | 0.2320% | 6,775 |
| Noninterest expense to average assets | 1.7366% | 7,828 |
| Loan and lease loss provision to assets | 0.0950% | 6,174 |
| Net operating income to assets | 1.4935% | 1,034 |
| Return on assets (ROA) | 1.4935% | 993 |
| Pretax return on assets | 1.4935% | 1,705 |
| Return on Equity (ROE) | 13.6325% | 1,177 |
| Retained earnings to average equity (ytd only) | 3.8191% | 2,755 |
| Net charge-offs to loans | 0.0632% | 5,869 |
| Credit loss provision to net charge-offs | 192.7273% | 2,543 |
| Earnings coverage of net charge-offs (x) | 32.2364% | 1,114 |
| Efficiency ratio | 51.0598% | 7,583 |
| Assets per employee ($millions) | 4.5437% | 2,548 |
| Cash dividends to net income (ytd only)* | 71.9856% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,267 |
| Loan loss allowance to noncurrent loans | 353.7102% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 4,084 |
| Noncurrent loans to loans | 0.3115% | 6,443 |
| Net loans and leases to total assets | 80.1664% | 1,621 |
| Net loans and leases to deposits | 93.4143% | 2,870 |
| Net loans and leases to core deposits | 127.0504% | 2,078 |
| Total domestic deposits to total assets | 85.8181% | 2,486 |
| Equity capital to assets | 11.1004% | 2,962 |
| Core capital (leverage) ratio | 9.9880% | 3,460 |
| Tier 1 risk-based capital ratio | 12.1680% | 4,694 |
| Total risk-based capital ratio | 13.2716% | 4,688 |
| Memoranda: | ||
| Average total assets | $334,858,800 | 1,997 |
| Average earning assets | $313,061,600 | 1,947 |
| Average equity | $36,684,400 | 1,846 |
| Average total loans | $260,960,200 | 1,826 |