Home > River Bank & Trust > Performance and Condition Ratios
River Bank & Trust, 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 | 4.6534% | 2,779 |
| Cost of funding earning assets | 1.7860% | 1,270 |
| Net interest margin | 2.8674% | 3,543 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 1.9741% | 3,694 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.9207% | 2,484 |
| Return on assets (ROA) | 0.9209% | 2,453 |
| Pretax return on assets | 1.1604% | 2,238 |
| Return on Equity (ROE) | 13.8500% | 1,514 |
| Retained earnings to average equity (ytd only) | 13.8467% | 414 |
| Net charge-offs to loans | 0.0317% | 1,660 |
| Credit loss provision to net charge-offs | 814.2857% | 480 |
| Earnings coverage of net charge-offs (x) | 63.3385% | 1,156 |
| Efficiency ratio | 59.0577% | 3,182 |
| Assets per employee ($millions) | 9.3451% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 1,810 |
| Loan loss allowance to noncurrent loans | 494.1197% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 2,304 |
| Noncurrent loans to loans | 0.2614% | 2,248 |
| Net loans and leases to total assets | 68.5200% | 1,978 |
| Net loans and leases to deposits | 81.0137% | 2,033 |
| Net loans and leases to core deposits | 89.5793% | 2,083 |
| Total domestic deposits to total assets | 84.5800% | 2,442 |
| Equity capital to assets | 7.3973% | 3,771 |
| Core capital (leverage) ratio | 8.6522% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7944% | 2,308 |
| Memoranda: | ||
| Average total assets | $3,063,595,400 | 392 |
| Average earning assets | $2,842,210,400 | 376 |
| Average equity | $203,745,400 | 528 |
| Average total loans | $2,030,447,600 | 396 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 2,864 |
| Cost of funding earning assets | 1.6604% | 1,258 |
| Net interest margin | 2.8601% | 3,616 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.9846% | 3,634 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.8692% | 2,797 |
| Return on assets (ROA) | 0.8694% | 2,784 |
| Pretax return on assets | 1.1199% | 2,505 |
| Return on Equity (ROE) | 13.4800% | 1,801 |
| Retained earnings to average equity (ytd only) | 13.4777% | 749 |
| Net charge-offs to loans | 0.0332% | 1,425 |
| Credit loss provision to net charge-offs | 799.3902% | 466 |
| Earnings coverage of net charge-offs (x) | 59.5630% | 1,208 |
| Efficiency ratio | 59.8425% | 2,983 |
| Assets per employee ($millions) | 9.2916% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,836 |
| Loan loss allowance to noncurrent loans | 583.4801% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 2,472 |
| Noncurrent loans to loans | 0.2240% | 2,456 |
| Net loans and leases to total assets | 66.1300% | 2,232 |
| Net loans and leases to deposits | 75.6062% | 2,449 |
| Net loans and leases to core deposits | 82.6984% | 2,422 |
| Total domestic deposits to total assets | 87.4700% | 1,752 |
| Equity capital to assets | 6.5877% | 3,800 |
| Core capital (leverage) ratio | 8.5973% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8770% | 2,310 |
| Memoranda: | ||
| Average total assets | $3,021,140,000 | 399 |
| Average earning assets | $2,800,840,750 | 386 |
| Average equity | $194,885,500 | 545 |
| Average total loans | $1,976,909,500 | 406 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 2,949 |
| Cost of funding earning assets | 1.5113% | 1,221 |
| Net interest margin | 2.8641% | 3,707 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.0254% | 3,533 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.8940% | 2,771 |
| Return on assets (ROA) | 0.8943% | 2,757 |
| Pretax return on assets | 1.1491% | 2,512 |
| Return on Equity (ROE) | 13.9700% | 1,687 |
| Retained earnings to average equity (ytd only) | 13.9687% | 684 |
| Net charge-offs to loans | 0.0128% | 1,714 |
| Credit loss provision to net charge-offs | 2,131.7073% | 248 |
| Earnings coverage of net charge-offs (x) | 159.9593% | 718 |
| Efficiency ratio | 59.7214% | 2,989 |
| Assets per employee ($millions) | 9.0727% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,897 |
| Loan loss allowance to noncurrent loans | 534.4862% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,291 |
| Noncurrent loans to loans | 0.2447% | 2,277 |
| Net loans and leases to total assets | 65.7700% | 2,181 |
| Net loans and leases to deposits | 75.6119% | 2,351 |
| Net loans and leases to core deposits | 82.4396% | 2,298 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 6.3981% | 4,035 |
| Core capital (leverage) ratio | 8.1046% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1662% | 2,583 |
| Memoranda: | ||
| Average total assets | $2,968,942,000 | 391 |
| Average earning assets | $2,753,544,000 | 380 |
| Average equity | $190,068,000 | 548 |
| Average total loans | $1,926,090,000 | 400 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,967 |
| Cost of funding earning assets | 1.3462% | 1,141 |
| Net interest margin | 2.8880% | 3,807 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.9537% | 3,735 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.7654% | 3,310 |
| Return on assets (ROA) | 0.7654% | 3,260 |
| Pretax return on assets | 0.9746% | 3,069 |
| Return on Equity (ROE) | 11.9500% | 2,226 |
| Retained earnings to average equity (ytd only) | 11.9514% | 1,278 |
| Net charge-offs to loans | -0.0026% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0281% | 2,695 |
| Assets per employee ($millions) | 9.1121% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 1,848 |
| Loan loss allowance to noncurrent loans | 545.5028% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 2,361 |
| Noncurrent loans to loans | 0.2460% | 2,268 |
| Net loans and leases to total assets | 63.2400% | 2,332 |
| Net loans and leases to deposits | 70.9113% | 2,545 |
| Net loans and leases to core deposits | 77.0157% | 2,458 |
| Total domestic deposits to total assets | 89.1900% | 1,473 |
| Equity capital to assets | 6.5963% | 3,999 |
| Core capital (leverage) ratio | 8.0667% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4247% | 2,592 |
| Memoranda: | ||
| Average total assets | $2,911,058,000 | 408 |
| Average earning assets | $2,705,917,000 | 397 |
| Average equity | $186,421,000 | 567 |
| Average total loans | $1,861,247,500 | 419 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 2,438 |
| Cost of funding earning assets | 0.3493% | 2,479 |
| Net interest margin | 3.3882% | 2,300 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 1.9688% | 3,667 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2124% | 1,727 |
| Return on assets (ROA) | 1.1490% | 1,917 |
| Pretax return on assets | 1.4790% | 1,518 |
| Return on Equity (ROE) | 16.0600% | 1,045 |
| Retained earnings to average equity (ytd only) | 16.0603% | 222 |
| Net charge-offs to loans | 0.0301% | 1,467 |
| Credit loss provision to net charge-offs | 843.9560% | 479 |
| Earnings coverage of net charge-offs (x) | 96.4527% | 988 |
| Efficiency ratio | 52.6146% | 3,925 |
| Assets per employee ($millions) | 9.0813% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,706 |
| Loan loss allowance to noncurrent loans | 1,627.1754% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,051 |
| Noncurrent loans to loans | 0.0827% | 3,163 |
| Net loans and leases to total assets | 62.9000% | 2,341 |
| Net loans and leases to deposits | 70.8183% | 2,510 |
| Net loans and leases to core deposits | 74.3381% | 2,544 |
| Total domestic deposits to total assets | 88.8200% | 1,776 |
| Equity capital to assets | 6.2010% | 4,018 |
| Core capital (leverage) ratio | 8.1203% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2964% | 2,650 |
| Memoranda: | ||
| Average total assets | $2,568,191,400 | 445 |
| Average earning assets | $2,377,912,000 | 435 |
| Average equity | $183,738,600 | 566 |
| Average total loans | $1,510,424,400 | 474 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 2,282 |
| Cost of funding earning assets | 0.1718% | 3,600 |
| Net interest margin | 3.4497% | 1,807 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.9573% | 3,600 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3297% | 1,269 |
| Return on assets (ROA) | 1.2429% | 1,520 |
| Pretax return on assets | 1.6087% | 1,100 |
| Return on Equity (ROE) | 16.7400% | 848 |
| Retained earnings to average equity (ytd only) | 16.7404% | 230 |
| Net charge-offs to loans | 0.0087% | 1,806 |
| Credit loss provision to net charge-offs | 2,404.2553% | 213 |
| Earnings coverage of net charge-offs (x) | 367.1064% | 416 |
| Efficiency ratio | 50.6184% | 4,120 |
| Assets per employee ($millions) | 8.6832% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,622 |
| Loan loss allowance to noncurrent loans | 1,356.6980% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 3,083 |
| Noncurrent loans to loans | 0.1028% | 3,143 |
| Net loans and leases to total assets | 61.8400% | 2,309 |
| Net loans and leases to deposits | 67.0020% | 2,630 |
| Net loans and leases to core deposits | 69.9853% | 2,645 |
| Total domestic deposits to total assets | 92.2900% | 783 |
| Equity capital to assets | 6.1222% | 3,914 |
| Core capital (leverage) ratio | 8.3193% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7242% | 2,575 |
| Memoranda: | ||
| Average total assets | $2,501,901,000 | 450 |
| Average earning assets | $2,315,705,750 | 443 |
| Average equity | $185,749,500 | 563 |
| Average total loans | $1,436,395,500 | 492 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 2,133 |
| Cost of funding earning assets | 0.1440% | 3,649 |
| Net interest margin | 3.3596% | 1,723 |
| Noninterest income to average assets | 0.6597% | 1,500 |
| Noninterest expense to average assets | 1.9016% | 3,697 |
| Loan and lease loss provision to assets | 0.0757% | 1,275 |
| Net operating income to assets | 1.3900% | 923 |
| Return on assets (ROA) | 1.3086% | 1,097 |
| Pretax return on assets | 1.6946% | 763 |
| Return on Equity (ROE) | 16.5834% | 626 |
| Retained earnings to average equity (ytd only) | 16.5834% | 167 |
| Net charge-offs to loans | 0.0114% | 1,558 |
| Credit loss provision to net charge-offs | 1,192.3077% | 363 |
| Earnings coverage of net charge-offs (x) | 294.9487% | 410 |
| Efficiency ratio | 49.3820% | 4,288 |
| Assets per employee ($millions) | 8.6254% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,464.4923% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,178 |
| Noncurrent loans to loans | 0.1016% | 3,248 |
| Net loans and leases to total assets | 57.6345% | 2,568 |
| Net loans and leases to deposits | 62.9784% | 2,806 |
| Net loans and leases to core deposits | 65.2403% | 2,879 |
| Total domestic deposits to total assets | 91.5147% | 1,024 |
| Equity capital to assets | 6.9035% | 3,817 |
| Core capital (leverage) ratio | 8.3625% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4396% | 2,313 |
| Memoranda: | ||
| Average total assets | $2,455,966,667 | 455 |
| Average earning assets | $2,277,437,000 | 448 |
| Average equity | $193,796,333 | 551 |
| Average total loans | $1,363,383,667 | 509 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 2,115 |
| Cost of funding earning assets | 0.1450% | 3,568 |
| Net interest margin | 3.2457% | 1,735 |
| Noninterest income to average assets | 0.6725% | 1,402 |
| Noninterest expense to average assets | 1.8545% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4169% | 765 |
| Return on assets (ROA) | 1.3406% | 908 |
| Pretax return on assets | 1.7382% | 636 |
| Return on Equity (ROE) | 15.9625% | 540 |
| Retained earnings to average equity (ytd only) | 15.9625% | 236 |
| Net charge-offs to loans | 0.0094% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 360.0645% | 276 |
| Efficiency ratio | 49.2136% | 4,349 |
| Assets per employee ($millions) | 8.9851% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,395 |
| Loan loss allowance to noncurrent loans | 760.0218% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,931 |
| Noncurrent loans to loans | 0.2045% | 2,802 |
| Net loans and leases to total assets | 53.5706% | 2,814 |
| Net loans and leases to deposits | 58.6590% | 3,018 |
| Net loans and leases to core deposits | 60.9911% | 3,064 |
| Total domestic deposits to total assets | 91.3254% | 874 |
| Equity capital to assets | 7.8585% | 3,676 |
| Core capital (leverage) ratio | 8.2040% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9318% | 2,244 |
| Memoranda: | ||
| Average total assets | $2,433,270,500 | 462 |
| Average earning assets | $2,261,688,500 | 456 |
| Average equity | $204,353,500 | 537 |
| Average total loans | $1,313,364,000 | 517 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 2,499 |
| Cost of funding earning assets | 0.2003% | 3,459 |
| Net interest margin | 3.3554% | 2,148 |
| Noninterest income to average assets | 0.7070% | 1,741 |
| Noninterest expense to average assets | 2.0041% | 3,662 |
| Loan and lease loss provision to assets | 0.2185% | 467 |
| Net operating income to assets | 1.2469% | 1,752 |
| Return on assets (ROA) | 1.2248% | 1,886 |
| Pretax return on assets | 1.5775% | 1,490 |
| Return on Equity (ROE) | 13.0177% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.5489% | 608 |
| Net charge-offs to loans | 0.0502% | 1,312 |
| Credit loss provision to net charge-offs | 760.2564% | 627 |
| Earnings coverage of net charge-offs (x) | 63.4551% | 1,138 |
| Efficiency ratio | 51.0680% | 4,199 |
| Assets per employee ($millions) | 8.8728% | 960 |
| Cash dividends to net income (ytd only)* | 11.2829% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,191 |
| Loan loss allowance to noncurrent loans | 920.5895% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,192 |
| Noncurrent loans to loans | 0.1773% | 3,057 |
| Net loans and leases to total assets | 52.6471% | 2,990 |
| Net loans and leases to deposits | 58.4132% | 3,213 |
| Net loans and leases to core deposits | 61.3027% | 3,216 |
| Total domestic deposits to total assets | 90.1288% | 898 |
| Equity capital to assets | 8.9551% | 3,669 |
| Core capital (leverage) ratio | 8.0125% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0709% | 2,215 |
| Memoranda: | ||
| Average total assets | $2,170,820,600 | 485 |
| Average earning assets | $2,019,230,400 | 490 |
| Average equity | $204,253,000 | 528 |
| Average total loans | $1,243,785,400 | 548 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 2,405 |
| Cost of funding earning assets | 0.2136% | 3,479 |
| Net interest margin | 3.4401% | 2,041 |
| Noninterest income to average assets | 0.6924% | 1,849 |
| Noninterest expense to average assets | 1.9853% | 3,726 |
| Loan and lease loss provision to assets | 0.2243% | 440 |
| Net operating income to assets | 1.3107% | 1,791 |
| Return on assets (ROA) | 1.3110% | 1,843 |
| Pretax return on assets | 1.6792% | 1,458 |
| Return on Equity (ROE) | 13.7460% | 1,468 |
| Retained earnings to average equity (ytd only) | 11.7627% | 887 |
| Net charge-offs to loans | 0.0337% | 1,400 |
| Credit loss provision to net charge-offs | 1,140.3846% | 477 |
| Earnings coverage of net charge-offs (x) | 96.7404% | 886 |
| Efficiency ratio | 49.7292% | 4,244 |
| Assets per employee ($millions) | 8.9161% | 920 |
| Cash dividends to net income (ytd only)* | 14.4279% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,349 |
| Loan loss allowance to noncurrent loans | 760.0834% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 3,165 |
| Noncurrent loans to loans | 0.2101% | 3,112 |
| Net loans and leases to total assets | 53.5111% | 3,026 |
| Net loans and leases to deposits | 59.5603% | 3,270 |
| Net loans and leases to core deposits | 62.6041% | 3,258 |
| Total domestic deposits to total assets | 89.8435% | 842 |
| Equity capital to assets | 9.3075% | 3,554 |
| Core capital (leverage) ratio | 8.0736% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1426% | 2,311 |
| Memoranda: | ||
| Average total assets | $2,114,613,750 | 503 |
| Average earning assets | $1,964,588,500 | 505 |
| Average equity | $201,683,000 | 540 |
| Average total loans | $1,234,190,750 | 558 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 2,348 |
| Cost of funding earning assets | 0.2271% | 3,496 |
| Net interest margin | 3.4682% | 1,951 |
| Noninterest income to average assets | 0.6867% | 1,858 |
| Noninterest expense to average assets | 1.9838% | 3,750 |
| Loan and lease loss provision to assets | 0.2313% | 444 |
| Net operating income to assets | 1.3218% | 1,797 |
| Return on assets (ROA) | 1.3223% | 1,861 |
| Pretax return on assets | 1.6957% | 1,486 |
| Return on Equity (ROE) | 13.7398% | 1,495 |
| Retained earnings to average equity (ytd only) | 10.6983% | 1,195 |
| Net charge-offs to loans | 0.0429% | 1,209 |
| Credit loss provision to net charge-offs | 901.5209% | 499 |
| Earnings coverage of net charge-offs (x) | 75.0684% | 866 |
| Efficiency ratio | 49.3412% | 4,285 |
| Assets per employee ($millions) | 8.8333% | 907 |
| Cash dividends to net income (ytd only)* | 22.1370% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,526 |
| Loan loss allowance to noncurrent loans | 635.4839% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,167 |
| Noncurrent loans to loans | 0.2391% | 3,088 |
| Net loans and leases to total assets | 55.0699% | 3,006 |
| Net loans and leases to deposits | 61.2875% | 3,272 |
| Net loans and leases to core deposits | 64.6726% | 3,224 |
| Total domestic deposits to total assets | 89.8549% | 840 |
| Equity capital to assets | 9.2694% | 3,542 |
| Core capital (leverage) ratio | 8.2643% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0987% | 2,329 |
| Memoranda: | ||
| Average total assets | $2,049,730,000 | 517 |
| Average earning assets | $1,905,084,000 | 515 |
| Average equity | $197,265,667 | 549 |
| Average total loans | $1,227,000,000 | 557 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 2,000 |
| Cost of funding earning assets | 0.2462% | 3,509 |
| Net interest margin | 3.5874% | 1,618 |
| Noninterest income to average assets | 0.7416% | 1,740 |
| Noninterest expense to average assets | 1.9767% | 3,790 |
| Loan and lease loss provision to assets | 0.2418% | 443 |
| Net operating income to assets | 1.4485% | 1,450 |
| Return on assets (ROA) | 1.4496% | 1,511 |
| Pretax return on assets | 1.8615% | 1,174 |
| Return on Equity (ROE) | 14.7543% | 1,268 |
| Retained earnings to average equity (ytd only) | 8.5280% | 2,086 |
| Net charge-offs to loans | -0.0118% | 3,735 |
| Credit loss provision to net charge-offs | -3,294.4444% | 3,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0403% | 4,403 |
| Assets per employee ($millions) | 8.6865% | 916 |
| Cash dividends to net income (ytd only)* | 42.2000% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,699 |
| Loan loss allowance to noncurrent loans | 373.3844% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 2,922 |
| Noncurrent loans to loans | 0.3939% | 2,693 |
| Net loans and leases to total assets | 58.6602% | 2,722 |
| Net loans and leases to deposits | 65.7507% | 2,944 |
| Net loans and leases to core deposits | 69.4263% | 2,912 |
| Total domestic deposits to total assets | 89.2161% | 1,222 |
| Equity capital to assets | 9.6986% | 3,000 |
| Core capital (leverage) ratio | 8.6972% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5847% | 2,048 |
| Memoranda: | ||
| Average total assets | $1,961,604,000 | 528 |
| Average earning assets | $1,824,731,500 | 533 |
| Average equity | $192,730,500 | 553 |
| Average total loans | $1,218,121,500 | 565 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,032 |
| Cost of funding earning assets | 0.4534% | 3,261 |
| Net interest margin | 3.7856% | 1,541 |
| Noninterest income to average assets | 0.7152% | 1,812 |
| Noninterest expense to average assets | 2.2421% | 3,561 |
| Loan and lease loss provision to assets | 0.5296% | 435 |
| Net operating income to assets | 1.1174% | 1,850 |
| Return on assets (ROA) | 1.1216% | 1,954 |
| Pretax return on assets | 1.4298% | 1,572 |
| Return on Equity (ROE) | 10.3317% | 1,872 |
| Retained earnings to average equity (ytd only) | 6.2939% | 1,665 |
| Net charge-offs to loans | 0.0451% | 2,165 |
| Credit loss provision to net charge-offs | 1,754.5825% | 489 |
| Earnings coverage of net charge-offs (x) | 64.7332% | 1,030 |
| Efficiency ratio | 51.5787% | 4,412 |
| Assets per employee ($millions) | 8.3237% | 932 |
| Cash dividends to net income (ytd only)* | 39.0813% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 2,016 |
| Loan loss allowance to noncurrent loans | 360.4676% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 2,988 |
| Noncurrent loans to loans | 0.3851% | 2,828 |
| Net loans and leases to total assets | 64.0262% | 2,360 |
| Net loans and leases to deposits | 72.0641% | 2,682 |
| Net loans and leases to core deposits | 76.2694% | 2,711 |
| Total domestic deposits to total assets | 88.8462% | 1,052 |
| Equity capital to assets | 9.9649% | 3,159 |
| Core capital (leverage) ratio | 8.2291% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5478% | 2,424 |
| Memoranda: | ||
| Average total assets | $1,626,564,200 | 578 |
| Average earning assets | $1,495,677,000 | 573 |
| Average equity | $176,582,600 | 575 |
| Average total loans | $1,089,326,200 | 590 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 1,985 |
| Cost of funding earning assets | 0.5071% | 3,177 |
| Net interest margin | 3.8364% | 1,514 |
| Noninterest income to average assets | 0.7312% | 1,702 |
| Noninterest expense to average assets | 2.2529% | 3,546 |
| Loan and lease loss provision to assets | 0.6635% | 348 |
| Net operating income to assets | 1.0517% | 2,137 |
| Return on assets (ROA) | 1.0485% | 2,282 |
| Pretax return on assets | 1.3255% | 1,953 |
| Return on Equity (ROE) | 9.4276% | 2,238 |
| Retained earnings to average equity (ytd only) | 4.6239% | 2,730 |
| Net charge-offs to loans | 0.0183% | 2,492 |
| Credit loss provision to net charge-offs | 5,377.9310% | 212 |
| Earnings coverage of net charge-offs (x) | 161.5517% | 572 |
| Efficiency ratio | 51.1222% | 4,409 |
| Assets per employee ($millions) | 7.9536% | 1,012 |
| Cash dividends to net income (ytd only)* | 50.9535% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,973 |
| Loan loss allowance to noncurrent loans | 478.9736% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 3,354 |
| Noncurrent loans to loans | 0.2812% | 3,281 |
| Net loans and leases to total assets | 67.1583% | 2,370 |
| Net loans and leases to deposits | 75.5885% | 2,792 |
| Net loans and leases to core deposits | 80.2881% | 2,820 |
| Total domestic deposits to total assets | 88.8473% | 842 |
| Equity capital to assets | 10.1130% | 3,133 |
| Core capital (leverage) ratio | 8.3036% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2576% | 2,513 |
| Memoranda: | ||
| Average total assets | $1,567,076,500 | 578 |
| Average earning assets | $1,435,692,000 | 572 |
| Average equity | $174,279,000 | 573 |
| Average total loans | $1,059,012,000 | 594 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,881 |
| Cost of funding earning assets | 0.5554% | 3,207 |
| Net interest margin | 3.9569% | 1,427 |
| Noninterest income to average assets | 0.7306% | 1,639 |
| Noninterest expense to average assets | 2.3423% | 3,421 |
| Loan and lease loss provision to assets | 0.6529% | 444 |
| Net operating income to assets | 1.0683% | 2,080 |
| Return on assets (ROA) | 1.0633% | 2,224 |
| Pretax return on assets | 1.3398% | 1,904 |
| Return on Equity (ROE) | 9.2285% | 2,270 |
| Retained earnings to average equity (ytd only) | 3.6828% | 3,072 |
| Net charge-offs to loans | 0.0167% | 2,396 |
| Credit loss provision to net charge-offs | 5,811.9048% | 203 |
| Earnings coverage of net charge-offs (x) | 177.9643% | 490 |
| Efficiency ratio | 51.9283% | 4,359 |
| Assets per employee ($millions) | 7.6469% | 1,105 |
| Cash dividends to net income (ytd only)* | 60.0931% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 2,731 |
| Loan loss allowance to noncurrent loans | 350.8982% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 3,330 |
| Noncurrent loans to loans | 0.3306% | 3,206 |
| Net loans and leases to total assets | 67.3419% | 2,445 |
| Net loans and leases to deposits | 76.2967% | 2,828 |
| Net loans and leases to core deposits | 80.8644% | 2,886 |
| Total domestic deposits to total assets | 88.2632% | 1,053 |
| Equity capital to assets | 10.3423% | 2,891 |
| Core capital (leverage) ratio | 8.7871% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4320% | 2,430 |
| Memoranda: | ||
| Average total assets | $1,495,563,667 | 594 |
| Average earning assets | $1,364,760,000 | 590 |
| Average equity | $172,313,667 | 576 |
| Average total loans | $1,007,737,667 | 621 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 1,790 |
| Cost of funding earning assets | 0.6586% | 3,123 |
| Net interest margin | 4.0176% | 1,340 |
| Noninterest income to average assets | 0.6857% | 1,696 |
| Noninterest expense to average assets | 2.4779% | 3,341 |
| Loan and lease loss provision to assets | 0.3785% | 810 |
| Net operating income to assets | 1.1671% | 1,633 |
| Return on assets (ROA) | 1.1565% | 1,776 |
| Pretax return on assets | 1.4534% | 1,430 |
| Return on Equity (ROE) | 9.4451% | 1,937 |
| Retained earnings to average equity (ytd only) | 1.0124% | 3,737 |
| Net charge-offs to loans | 0.0271% | 1,834 |
| Credit loss provision to net charge-offs | 2,088.8889% | 332 |
| Earnings coverage of net charge-offs (x) | 101.8254% | 575 |
| Efficiency ratio | 55.0898% | 4,297 |
| Assets per employee ($millions) | 6.4132% | 1,390 |
| Cash dividends to net income (ytd only)* | 89.2813% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,464 |
| Loan loss allowance to noncurrent loans | 337.2496% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,479 |
| Noncurrent loans to loans | 0.3102% | 3,385 |
| Net loans and leases to total assets | 66.2781% | 2,787 |
| Net loans and leases to deposits | 76.5441% | 3,024 |
| Net loans and leases to core deposits | 81.9639% | 3,023 |
| Total domestic deposits to total assets | 86.5881% | 1,739 |
| Equity capital to assets | 12.1787% | 1,938 |
| Core capital (leverage) ratio | 10.0244% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9762% | 2,291 |
| Memoranda: | ||
| Average total assets | $1,390,713,000 | 606 |
| Average earning assets | $1,259,059,500 | 609 |
| Average equity | $170,289,000 | 580 |
| Average total loans | $930,688,500 | 643 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 2,449 |
| Cost of funding earning assets | 0.6650% | 3,331 |
| Net interest margin | 3.9920% | 1,879 |
| Noninterest income to average assets | 0.8372% | 1,340 |
| Noninterest expense to average assets | 2.6416% | 3,057 |
| Loan and lease loss provision to assets | 0.2517% | 721 |
| Net operating income to assets | 1.2193% | 1,984 |
| Return on assets (ROA) | 1.2270% | 2,047 |
| Pretax return on assets | 1.5649% | 1,604 |
| Return on Equity (ROE) | 10.1176% | 2,248 |
| Retained earnings to average equity (ytd only) | 5.2514% | 2,287 |
| Net charge-offs to loans | 0.1038% | 1,692 |
| Credit loss provision to net charge-offs | 361.0422% | 777 |
| Earnings coverage of net charge-offs (x) | 25.9181% | 1,713 |
| Efficiency ratio | 56.8820% | 4,106 |
| Assets per employee ($millions) | 6.1171% | 1,549 |
| Cash dividends to net income (ytd only)* | 48.0967% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,737 |
| Loan loss allowance to noncurrent loans | 366.5541% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 3,332 |
| Noncurrent loans to loans | 0.2596% | 3,515 |
| Net loans and leases to total assets | 66.2259% | 2,920 |
| Net loans and leases to deposits | 76.7123% | 3,115 |
| Net loans and leases to core deposits | 81.5657% | 3,169 |
| Total domestic deposits to total assets | 86.3303% | 1,921 |
| Equity capital to assets | 12.3134% | 1,944 |
| Core capital (leverage) ratio | 10.9469% | 2,545 |
| Tier 1 risk-based capital ratio | 13.4799% | 3,534 |
| Total risk-based capital ratio | 14.3507% | 3,626 |
| Memoranda: | ||
| Average total assets | $1,156,177,000 | 687 |
| Average earning assets | $1,045,865,400 | 696 |
| Average equity | $140,211,400 | 664 |
| Average total loans | $776,324,000 | 731 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 2,539 |
| Cost of funding earning assets | 0.6648% | 3,374 |
| Net interest margin | 3.9915% | 1,968 |
| Noninterest income to average assets | 0.7914% | 1,446 |
| Noninterest expense to average assets | 2.7081% | 2,848 |
| Loan and lease loss provision to assets | 0.1956% | 905 |
| Net operating income to assets | 1.1742% | 2,288 |
| Return on assets (ROA) | 1.1733% | 2,373 |
| Pretax return on assets | 1.5015% | 1,952 |
| Return on Equity (ROE) | 9.7212% | 2,553 |
| Retained earnings to average equity (ytd only) | 4.0858% | 3,355 |
| Net charge-offs to loans | 0.1090% | 1,374 |
| Credit loss provision to net charge-offs | 266.8863% | 1,038 |
| Earnings coverage of net charge-offs (x) | 23.1698% | 1,843 |
| Efficiency ratio | 58.8403% | 3,818 |
| Assets per employee ($millions) | 5.9945% | 1,611 |
| Cash dividends to net income (ytd only)* | 57.9706% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,610 |
| Loan loss allowance to noncurrent loans | 384.0081% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 3,468 |
| Noncurrent loans to loans | 0.2583% | 3,616 |
| Net loans and leases to total assets | 66.5081% | 2,989 |
| Net loans and leases to deposits | 77.0676% | 3,196 |
| Net loans and leases to core deposits | 81.5763% | 3,278 |
| Total domestic deposits to total assets | 86.2984% | 1,868 |
| Equity capital to assets | 12.0985% | 2,183 |
| Core capital (leverage) ratio | 10.2914% | 3,315 |
| Tier 1 risk-based capital ratio | 13.5041% | 3,570 |
| Total risk-based capital ratio | 14.4028% | 3,674 |
| Memoranda: | ||
| Average total assets | $1,104,195,500 | 720 |
| Average earning assets | $1,000,032,250 | 726 |
| Average equity | $133,272,500 | 687 |
| Average total loans | $742,387,500 | 767 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 2,540 |
| Cost of funding earning assets | 0.6493% | 3,415 |
| Net interest margin | 3.9918% | 1,949 |
| Noninterest income to average assets | 0.6903% | 1,757 |
| Noninterest expense to average assets | 2.6864% | 2,952 |
| Loan and lease loss provision to assets | 0.1977% | 871 |
| Net operating income to assets | 1.1183% | 2,449 |
| Return on assets (ROA) | 1.1179% | 2,526 |
| Pretax return on assets | 1.4247% | 2,130 |
| Return on Equity (ROE) | 9.2696% | 2,745 |
| Retained earnings to average equity (ytd only) | 2.5257% | 3,933 |
| Net charge-offs to loans | 0.1502% | 1,040 |
| Credit loss provision to net charge-offs | 195.6522% | 1,239 |
| Earnings coverage of net charge-offs (x) | 16.0616% | 1,952 |
| Efficiency ratio | 59.5829% | 3,789 |
| Assets per employee ($millions) | 5.8185% | 1,677 |
| Cash dividends to net income (ytd only)* | 72.7526% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,914 |
| Loan loss allowance to noncurrent loans | 226.0261% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,313 |
| Noncurrent loans to loans | 0.4163% | 3,042 |
| Net loans and leases to total assets | 66.9402% | 2,972 |
| Net loans and leases to deposits | 77.2652% | 3,220 |
| Net loans and leases to core deposits | 81.3430% | 3,306 |
| Total domestic deposits to total assets | 86.6368% | 1,753 |
| Equity capital to assets | 12.0563% | 2,143 |
| Core capital (leverage) ratio | 10.3400% | 3,252 |
| Tier 1 risk-based capital ratio | 13.3733% | 3,643 |
| Total risk-based capital ratio | 14.2267% | 3,760 |
| Memoranda: | ||
| Average total assets | $1,092,609,000 | 726 |
| Average earning assets | $990,576,000 | 733 |
| Average equity | $131,764,330 | 691 |
| Average total loans | $734,821,670 | 770 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 2,403 |
| Cost of funding earning assets | 0.6232% | 3,443 |
| Net interest margin | 4.0200% | 1,793 |
| Noninterest income to average assets | 0.6402% | 1,861 |
| Noninterest expense to average assets | 2.6684% | 3,002 |
| Loan and lease loss provision to assets | 0.1999% | 803 |
| Net operating income to assets | 1.1048% | 2,447 |
| Return on assets (ROA) | 1.1048% | 2,496 |
| Pretax return on assets | 1.4114% | 2,043 |
| Return on Equity (ROE) | 9.1602% | 2,728 |
| Retained earnings to average equity (ytd only) | 4.9393% | 2,930 |
| Net charge-offs to loans | -0.0066% | 4,096 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4948% | 3,881 |
| Assets per employee ($millions) | 5.7995% | 1,699 |
| Cash dividends to net income (ytd only)* | 46.0791% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,874 |
| Loan loss allowance to noncurrent loans | 225.0316% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,312 |
| Noncurrent loans to loans | 0.4306% | 3,037 |
| Net loans and leases to total assets | 66.8181% | 2,928 |
| Net loans and leases to deposits | 77.4538% | 3,118 |
| Net loans and leases to core deposits | 81.3052% | 3,242 |
| Total domestic deposits to total assets | 86.2683% | 2,154 |
| Equity capital to assets | 12.1208% | 1,949 |
| Core capital (leverage) ratio | 10.5756% | 2,964 |
| Tier 1 risk-based capital ratio | 13.3835% | 3,676 |
| Total risk-based capital ratio | 14.2431% | 3,776 |
| Memoranda: | ||
| Average total assets | $1,080,337,000 | 737 |
| Average earning assets | $978,110,500 | 741 |
| Average equity | $130,303,000 | 697 |
| Average total loans | $724,768,500 | 783 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,270 |
| Cost of funding earning assets | 0.5214% | 3,220 |
| Net interest margin | 4.0357% | 1,865 |
| Noninterest income to average assets | 0.7468% | 1,656 |
| Noninterest expense to average assets | 2.8386% | 2,553 |
| Loan and lease loss provision to assets | 0.2206% | 818 |
| Net operating income to assets | 1.0547% | 2,781 |
| Return on assets (ROA) | 1.0505% | 2,790 |
| Pretax return on assets | 1.3392% | 2,369 |
| Return on Equity (ROE) | 9.2280% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.5198% | 2,473 |
| Net charge-offs to loans | 0.0422% | 2,568 |
| Credit loss provision to net charge-offs | 745.2471% | 484 |
| Earnings coverage of net charge-offs (x) | 52.8707% | 1,097 |
| Efficiency ratio | 62.8547% | 3,371 |
| Assets per employee ($millions) | 5.6335% | 1,831 |
| Cash dividends to net income (ytd only)* | 40.1843% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,083 |
| Loan loss allowance to noncurrent loans | 238.2971% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,355 |
| Noncurrent loans to loans | 0.3866% | 3,150 |
| Net loans and leases to total assets | 66.0809% | 3,121 |
| Net loans and leases to deposits | 77.8252% | 3,186 |
| Net loans and leases to core deposits | 81.9032% | 3,271 |
| Total domestic deposits to total assets | 84.9094% | 2,681 |
| Equity capital to assets | 12.0007% | 1,893 |
| Core capital (leverage) ratio | 14.0055% | 920 |
| Tier 1 risk-based capital ratio | 13.4432% | 3,581 |
| Total risk-based capital ratio | 14.2533% | 3,735 |
| Memoranda: | ||
| Average total assets | $888,375,600 | 860 |
| Average earning assets | $805,018,400 | 877 |
| Average equity | $101,126,600 | 843 |
| Average total loans | $623,317,400 | 864 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 2,174 |
| Cost of funding earning assets | 0.4693% | 3,401 |
| Net interest margin | 4.0645% | 1,740 |
| Noninterest income to average assets | 0.7719% | 1,572 |
| Noninterest expense to average assets | 2.7068% | 2,964 |
| Loan and lease loss provision to assets | 0.2278% | 716 |
| Net operating income to assets | 1.1858% | 2,286 |
| Return on assets (ROA) | 1.1793% | 2,326 |
| Pretax return on assets | 1.5143% | 1,853 |
| Return on Equity (ROE) | 10.5411% | 2,379 |
| Retained earnings to average equity (ytd only) | 7.3597% | 1,948 |
| Net charge-offs to loans | 0.0570% | 2,000 |
| Credit loss provision to net charge-offs | 560.3113% | 635 |
| Earnings coverage of net charge-offs (x) | 43.0542% | 1,293 |
| Efficiency ratio | 59.4421% | 3,896 |
| Assets per employee ($millions) | 6.0931% | 1,425 |
| Cash dividends to net income (ytd only)* | 30.1811% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 4,099 |
| Loan loss allowance to noncurrent loans | 249.9588% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,225 |
| Noncurrent loans to loans | 0.3753% | 3,303 |
| Net loans and leases to total assets | 73.4844% | 2,078 |
| Net loans and leases to deposits | 87.9450% | 2,159 |
| Net loans and leases to core deposits | 92.2312% | 2,452 |
| Total domestic deposits to total assets | 83.5572% | 3,100 |
| Equity capital to assets | 11.0247% | 2,638 |
| Core capital (leverage) ratio | 10.6515% | 2,933 |
| Tier 1 risk-based capital ratio | 12.7116% | 4,075 |
| Total risk-based capital ratio | 13.5680% | 4,197 |
| Memoranda: | ||
| Average total assets | $842,879,000 | 899 |
| Average earning assets | $764,219,000 | 920 |
| Average equity | $94,295,500 | 892 |
| Average total loans | $600,676,250 | 891 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 2,154 |
| Cost of funding earning assets | 0.4208% | 3,566 |
| Net interest margin | 4.0611% | 1,668 |
| Noninterest income to average assets | 0.7509% | 1,644 |
| Noninterest expense to average assets | 2.7382% | 2,885 |
| Loan and lease loss provision to assets | 0.2304% | 695 |
| Net operating income to assets | 1.1365% | 2,449 |
| Return on assets (ROA) | 1.1373% | 2,453 |
| Pretax return on assets | 1.4612% | 1,952 |
| Return on Equity (ROE) | 10.1145% | 2,514 |
| Retained earnings to average equity (ytd only) | 6.9130% | 2,105 |
| Net charge-offs to loans | -0.0102% | 4,326 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4877% | 3,865 |
| Assets per employee ($millions) | 5.7435% | 1,686 |
| Cash dividends to net income (ytd only)* | 31.6522% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,144 |
| Loan loss allowance to noncurrent loans | 222.8170% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 3,017 |
| Noncurrent loans to loans | 0.4236% | 3,182 |
| Net loans and leases to total assets | 71.9810% | 2,278 |
| Net loans and leases to deposits | 85.5741% | 2,365 |
| Net loans and leases to core deposits | 89.5995% | 2,606 |
| Total domestic deposits to total assets | 84.1154% | 3,019 |
| Equity capital to assets | 11.0843% | 2,556 |
| Core capital (leverage) ratio | 10.7871% | 2,714 |
| Tier 1 risk-based capital ratio | 12.9094% | 3,945 |
| Total risk-based capital ratio | 13.7709% | 4,069 |
| Memoranda: | ||
| Average total assets | $833,401,000 | 910 |
| Average earning assets | $754,766,000 | 933 |
| Average equity | $93,707,330 | 894 |
| Average total loans | $585,454,000 | 914 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 2,191 |
| Cost of funding earning assets | 0.3501% | 3,992 |
| Net interest margin | 4.0511% | 1,559 |
| Noninterest income to average assets | 0.6957% | 1,848 |
| Noninterest expense to average assets | 2.6840% | 3,088 |
| Loan and lease loss provision to assets | 0.2335% | 662 |
| Net operating income to assets | 1.1320% | 2,278 |
| Return on assets (ROA) | 1.1335% | 2,289 |
| Pretax return on assets | 1.4502% | 1,836 |
| Return on Equity (ROE) | 10.0072% | 2,417 |
| Retained earnings to average equity (ytd only) | 3.5648% | 3,776 |
| Net charge-offs to loans | -0.0190% | 4,532 |
| Credit loss provision to net charge-offs | -1,777.7778% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0735% | 4,056 |
| Assets per employee ($millions) | 5.5866% | 1,861 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,339 |
| Loan loss allowance to noncurrent loans | 203.3220% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 2,766 |
| Noncurrent loans to loans | 0.4540% | 3,174 |
| Net loans and leases to total assets | 70.3975% | 2,409 |
| Net loans and leases to deposits | 82.3921% | 2,559 |
| Net loans and leases to core deposits | 86.6510% | 2,751 |
| Total domestic deposits to total assets | 85.4420% | 2,777 |
| Equity capital to assets | 11.2844% | 2,318 |
| Core capital (leverage) ratio | 10.6769% | 2,758 |
| Tier 1 risk-based capital ratio | 13.2385% | 3,820 |
| Total risk-based capital ratio | 14.0731% | 3,938 |
| Memoranda: | ||
| Average total assets | $822,211,500 | 933 |
| Average earning assets | $744,884,000 | 953 |
| Average equity | $93,132,500 | 904 |
| Average total loans | $567,247,000 | 945 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,144 |
| Cost of funding earning assets | 0.3213% | 3,938 |
| Net interest margin | 4.0397% | 1,624 |
| Noninterest income to average assets | 0.7599% | 1,734 |
| Noninterest expense to average assets | 2.5905% | 3,472 |
| Loan and lease loss provision to assets | 0.2141% | 926 |
| Net operating income to assets | 1.0502% | 2,048 |
| Return on assets (ROA) | 1.0506% | 2,080 |
| Pretax return on assets | 1.6232% | 1,231 |
| Return on Equity (ROE) | 9.3822% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.9095% | 1,113 |
| Net charge-offs to loans | 0.1641% | 1,495 |
| Credit loss provision to net charge-offs | 200.9238% | 1,353 |
| Earnings coverage of net charge-offs (x) | 17.2344% | 2,143 |
| Efficiency ratio | 56.9590% | 4,661 |
| Assets per employee ($millions) | 5.5999% | 1,847 |
| Cash dividends to net income (ytd only)* | 26.3559% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,543 |
| Loan loss allowance to noncurrent loans | 162.2880% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 2,709 |
| Noncurrent loans to loans | 0.5458% | 2,864 |
| Net loans and leases to total assets | 66.3396% | 3,052 |
| Net loans and leases to deposits | 77.8496% | 3,128 |
| Net loans and leases to core deposits | 81.8206% | 3,261 |
| Total domestic deposits to total assets | 85.2150% | 2,750 |
| Equity capital to assets | 11.3696% | 2,310 |
| Core capital (leverage) ratio | 10.4285% | 2,933 |
| Tier 1 risk-based capital ratio | 13.5449% | 3,604 |
| Total risk-based capital ratio | 14.3250% | 3,771 |
| Memoranda: | ||
| Average total assets | $812,595,000 | 919 |
| Average earning assets | $737,670,200 | 930 |
| Average equity | $90,991,200 | 896 |
| Average total loans | $527,847,600 | 973 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,059 |
| Cost of funding earning assets | 0.3161% | 3,976 |
| Net interest margin | 4.0486% | 1,551 |
| Noninterest income to average assets | 0.7826% | 1,654 |
| Noninterest expense to average assets | 2.5652% | 3,515 |
| Loan and lease loss provision to assets | 0.2272% | 808 |
| Net operating income to assets | 1.1661% | 1,816 |
| Return on assets (ROA) | 1.1665% | 1,861 |
| Pretax return on assets | 1.6682% | 1,196 |
| Return on Equity (ROE) | 10.4579% | 1,923 |
| Retained earnings to average equity (ytd only) | 8.2441% | 1,110 |
| Net charge-offs to loans | 0.0978% | 1,804 |
| Credit loss provision to net charge-offs | 360.3133% | 842 |
| Earnings coverage of net charge-offs (x) | 30.0551% | 1,552 |
| Efficiency ratio | 55.9386% | 4,747 |
| Assets per employee ($millions) | 5.6976% | 1,722 |
| Cash dividends to net income (ytd only)* | 21.1685% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,330 |
| Loan loss allowance to noncurrent loans | 146.7449% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 2,703 |
| Noncurrent loans to loans | 0.6464% | 2,778 |
| Net loans and leases to total assets | 64.5891% | 3,308 |
| Net loans and leases to deposits | 76.4122% | 3,331 |
| Net loans and leases to core deposits | 80.3671% | 3,422 |
| Total domestic deposits to total assets | 84.5273% | 2,908 |
| Equity capital to assets | 11.6181% | 2,258 |
| Core capital (leverage) ratio | 10.5547% | 2,927 |
| Tier 1 risk-based capital ratio | 13.9454% | 3,469 |
| Total risk-based capital ratio | 14.7785% | 3,598 |
| Memoranda: | ||
| Average total assets | $809,947,250 | 923 |
| Average earning assets | $735,715,250 | 940 |
| Average equity | $90,340,750 | 908 |
| Average total loans | $522,065,000 | 983 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,040 |
| Cost of funding earning assets | 0.3026% | 4,055 |
| Net interest margin | 4.0259% | 1,529 |
| Noninterest income to average assets | 0.6480% | 2,217 |
| Noninterest expense to average assets | 2.4928% | 3,774 |
| Loan and lease loss provision to assets | 0.1777% | 1,079 |
| Net operating income to assets | 1.1024% | 1,962 |
| Return on assets (ROA) | 1.1029% | 2,006 |
| Pretax return on assets | 1.6299% | 1,252 |
| Return on Equity (ROE) | 10.0267% | 2,026 |
| Retained earnings to average equity (ytd only) | 6.6605% | 1,764 |
| Net charge-offs to loans | 0.1253% | 1,408 |
| Credit loss provision to net charge-offs | 220.8589% | 1,179 |
| Earnings coverage of net charge-offs (x) | 22.4540% | 1,710 |
| Efficiency ratio | 56.3121% | 4,794 |
| Assets per employee ($millions) | 5.7981% | 1,609 |
| Cash dividends to net income (ytd only)* | 33.5721% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,831 |
| Loan loss allowance to noncurrent loans | 149.1525% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 2,912 |
| Noncurrent loans to loans | 0.5654% | 3,044 |
| Net loans and leases to total assets | 63.7337% | 3,425 |
| Net loans and leases to deposits | 74.9619% | 3,452 |
| Net loans and leases to core deposits | 78.9575% | 3,510 |
| Total domestic deposits to total assets | 85.0214% | 2,797 |
| Equity capital to assets | 11.2703% | 2,525 |
| Core capital (leverage) ratio | 10.1380% | 3,354 |
| Tier 1 risk-based capital ratio | 13.2821% | 3,812 |
| Total risk-based capital ratio | 14.0080% | 4,053 |
| Memoranda: | ||
| Average total assets | $810,244,000 | 931 |
| Average earning assets | $734,946,330 | 948 |
| Average equity | $89,122,000 | 919 |
| Average total loans | $520,231,000 | 986 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 2,050 |
| Cost of funding earning assets | 0.2854% | 4,195 |
| Net interest margin | 3.9818% | 1,518 |
| Noninterest income to average assets | 0.6275% | 2,282 |
| Noninterest expense to average assets | 2.3881% | 4,152 |
| Loan and lease loss provision to assets | 0.1779% | 983 |
| Net operating income to assets | 1.1286% | 1,758 |
| Return on assets (ROA) | 1.1286% | 1,794 |
| Pretax return on assets | 1.6746% | 1,061 |
| Return on Equity (ROE) | 10.3888% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.9774% | 1,857 |
| Net charge-offs to loans | 0.2364% | 762 |
| Credit loss provision to net charge-offs | 117.2638% | 1,421 |
| Earnings coverage of net charge-offs (x) | 12.2117% | 1,849 |
| Efficiency ratio | 54.5910% | 5,082 |
| Assets per employee ($millions) | 6.0350% | 1,485 |
| Cash dividends to net income (ytd only)* | 32.8371% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 5,098 |
| Loan loss allowance to noncurrent loans | 130.2632% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 2,348 |
| Noncurrent loans to loans | 0.6053% | 3,006 |
| Net loans and leases to total assets | 63.1532% | 3,382 |
| Net loans and leases to deposits | 72.6527% | 3,550 |
| Net loans and leases to core deposits | 76.4171% | 3,617 |
| Total domestic deposits to total assets | 86.9247% | 2,250 |
| Equity capital to assets | 11.0056% | 2,624 |
| Core capital (leverage) ratio | 9.9980% | 3,501 |
| Tier 1 risk-based capital ratio | 13.2928% | 3,895 |
| Total risk-based capital ratio | 13.9762% | 4,143 |
| Memoranda: | ||
| Average total assets | $809,499,000 | 934 |
| Average earning assets | $734,534,000 | 945 |
| Average equity | $87,940,500 | 927 |
| Average total loans | $519,472,500 | 988 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 1,682 |
| Cost of funding earning assets | 0.3089% | 3,970 |
| Net interest margin | 4.1430% | 1,265 |
| Noninterest income to average assets | 0.6416% | 2,454 |
| Noninterest expense to average assets | 2.6894% | 3,376 |
| Loan and lease loss provision to assets | 0.1167% | 2,116 |
| Net operating income to assets | 1.0784% | 1,996 |
| Return on assets (ROA) | 1.0806% | 2,084 |
| Pretax return on assets | 1.5880% | 1,320 |
| Return on Equity (ROE) | 9.5015% | 2,197 |
| Retained earnings to average equity (ytd only) | 7.7482% | 942 |
| Net charge-offs to loans | 0.1393% | 1,861 |
| Credit loss provision to net charge-offs | 125.9684% | 2,121 |
| Earnings coverage of net charge-offs (x) | 18.3644% | 1,973 |
| Efficiency ratio | 59.3001% | 4,690 |
| Assets per employee ($millions) | 6.2332% | 1,310 |
| Cash dividends to net income (ytd only)* | 18.4525% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 5,201 |
| Loan loss allowance to noncurrent loans | 90.5128% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 2,646 |
| Noncurrent loans to loans | 0.8446% | 2,414 |
| Net loans and leases to total assets | 64.1935% | 3,331 |
| Net loans and leases to deposits | 73.5970% | 3,554 |
| Net loans and leases to core deposits | 77.2005% | 3,636 |
| Total domestic deposits to total assets | 87.2231% | 2,012 |
| Equity capital to assets | 10.7218% | 2,902 |
| Core capital (leverage) ratio | 9.9605% | 3,534 |
| Tier 1 risk-based capital ratio | 13.0076% | 4,073 |
| Total risk-based capital ratio | 13.6783% | 4,311 |
| Memoranda: | ||
| Average total assets | $752,286,600 | 962 |
| Average earning assets | $680,790,200 | 977 |
| Average equity | $85,555,200 | 927 |
| Average total loans | $500,198,400 | 977 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 1,558 |
| Cost of funding earning assets | 0.3160% | 3,917 |
| Net interest margin | 4.1788% | 1,182 |
| Noninterest income to average assets | 0.6479% | 2,430 |
| Noninterest expense to average assets | 2.6853% | 3,385 |
| Loan and lease loss provision to assets | 0.1196% | 1,938 |
| Net operating income to assets | 1.1041% | 1,980 |
| Return on assets (ROA) | 1.1058% | 2,078 |
| Pretax return on assets | 1.6259% | 1,315 |
| Return on Equity (ROE) | 9.5730% | 2,241 |
| Retained earnings to average equity (ytd only) | 7.2263% | 1,512 |
| Net charge-offs to loans | 0.0540% | 2,591 |
| Credit loss provision to net charge-offs | 331.0000% | 964 |
| Earnings coverage of net charge-offs (x) | 48.2250% | 1,106 |
| Efficiency ratio | 58.6353% | 4,731 |
| Assets per employee ($millions) | 5.9882% | 1,441 |
| Cash dividends to net income (ytd only)* | 24.5138% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 5,049 |
| Loan loss allowance to noncurrent loans | 126.7810% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 3,125 |
| Noncurrent loans to loans | 0.6688% | 3,018 |
| Net loans and leases to total assets | 65.4367% | 3,213 |
| Net loans and leases to deposits | 75.6203% | 3,444 |
| Net loans and leases to core deposits | 79.4493% | 3,505 |
| Total domestic deposits to total assets | 86.5332% | 2,111 |
| Equity capital to assets | 11.4887% | 2,523 |
| Core capital (leverage) ratio | 10.0286% | 3,537 |
| Tier 1 risk-based capital ratio | 13.2748% | 3,992 |
| Total risk-based capital ratio | 14.0279% | 4,202 |
| Memoranda: | ||
| Average total assets | $737,780,250 | 980 |
| Average earning assets | $667,447,250 | 997 |
| Average equity | $85,224,000 | 938 |
| Average total loans | $494,204,250 | 984 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,606 |
| Cost of funding earning assets | 0.3203% | 3,899 |
| Net interest margin | 4.1499% | 1,232 |
| Noninterest income to average assets | 0.6130% | 2,550 |
| Noninterest expense to average assets | 2.6904% | 3,425 |
| Loan and lease loss provision to assets | 0.1228% | 1,853 |
| Net operating income to assets | 1.0594% | 2,129 |
| Return on assets (ROA) | 1.0621% | 2,238 |
| Pretax return on assets | 1.5545% | 1,505 |
| Return on Equity (ROE) | 9.1767% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.8036% | 1,714 |
| Net charge-offs to loans | 0.0624% | 2,301 |
| Credit loss provision to net charge-offs | 292.1569% | 983 |
| Earnings coverage of net charge-offs (x) | 39.8235% | 1,163 |
| Efficiency ratio | 61.6527% | 4,397 |
| Assets per employee ($millions) | 6.0819% | 1,347 |
| Cash dividends to net income (ytd only)* | 25.8598% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 5,225 |
| Loan loss allowance to noncurrent loans | 136.8980% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 3,174 |
| Noncurrent loans to loans | 0.5988% | 3,269 |
| Net loans and leases to total assets | 67.2083% | 2,912 |
| Net loans and leases to deposits | 77.6078% | 3,195 |
| Net loans and leases to core deposits | 81.3295% | 3,334 |
| Total domestic deposits to total assets | 86.5999% | 2,113 |
| Equity capital to assets | 11.6530% | 2,401 |
| Core capital (leverage) ratio | 10.2407% | 3,279 |
| Tier 1 risk-based capital ratio | 13.0837% | 4,156 |
| Total risk-based capital ratio | 13.8153% | 4,383 |
| Memoranda: | ||
| Average total assets | $728,208,670 | 992 |
| Average earning assets | $658,189,330 | 1,006 |
| Average equity | $84,278,670 | 945 |
| Average total loans | $490,319,670 | 993 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,725 |
| Cost of funding earning assets | 0.3256% | 3,893 |
| Net interest margin | 4.0996% | 1,349 |
| Noninterest income to average assets | 0.5612% | 2,735 |
| Noninterest expense to average assets | 2.6618% | 3,539 |
| Loan and lease loss provision to assets | 0.1287% | 1,653 |
| Net operating income to assets | 1.0120% | 2,223 |
| Return on assets (ROA) | 1.0120% | 2,339 |
| Pretax return on assets | 1.4784% | 1,661 |
| Return on Equity (ROE) | 8.7755% | 2,526 |
| Retained earnings to average equity (ytd only) | 3.9670% | 3,508 |
| Net charge-offs to loans | -0.0099% | 4,529 |
| Credit loss provision to net charge-offs | -1,933.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3539% | 4,395 |
| Assets per employee ($millions) | 5.7564% | 1,618 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 5,265 |
| Loan loss allowance to noncurrent loans | 125.8423% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 2,993 |
| Noncurrent loans to loans | 0.6655% | 3,177 |
| Net loans and leases to total assets | 66.4547% | 2,882 |
| Net loans and leases to deposits | 78.2847% | 2,973 |
| Net loans and leases to core deposits | 81.9608% | 3,129 |
| Total domestic deposits to total assets | 84.8885% | 3,169 |
| Equity capital to assets | 11.5944% | 2,358 |
| Core capital (leverage) ratio | 10.1722% | 3,343 |
| Tier 1 risk-based capital ratio | 13.0561% | 4,232 |
| Total risk-based capital ratio | 13.7987% | 4,458 |
| Memoranda: | ||
| Average total assets | $721,317,000 | 1,000 |
| Average earning assets | $652,349,500 | 1,013 |
| Average equity | $83,186,000 | 955 |
| Average total loans | $484,078,500 | 1,005 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5978% | 4,683 |
| Cost of funding earning assets | 0.2687% | 4,604 |
| Net interest margin | 3.3291% | 4,185 |
| Noninterest income to average assets | 0.5818% | 2,822 |
| Noninterest expense to average assets | 2.3544% | 4,634 |
| Loan and lease loss provision to assets | 0.1104% | 2,154 |
| Net operating income to assets | 0.7860% | 3,395 |
| Return on assets (ROA) | 0.7893% | 3,463 |
| Pretax return on assets | 1.1231% | 2,948 |
| Return on Equity (ROE) | 7.6901% | 3,141 |
| Retained earnings to average equity (ytd only) | 5.7555% | 1,923 |
| Net charge-offs to loans | 0.1563% | 1,817 |
| Credit loss provision to net charge-offs | 109.6647% | 2,298 |
| Earnings coverage of net charge-offs (x) | 12.2051% | 2,488 |
| Efficiency ratio | 65.7080% | 3,949 |
| Assets per employee ($millions) | 5.7386% | 1,586 |
| Cash dividends to net income (ytd only)* | 25.1572% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 5,426 |
| Loan loss allowance to noncurrent loans | 116.3576% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 2,891 |
| Noncurrent loans to loans | 0.6822% | 3,157 |
| Net loans and leases to total assets | 66.6723% | 2,887 |
| Net loans and leases to deposits | 78.2253% | 3,032 |
| Net loans and leases to core deposits | 81.9926% | 3,147 |
| Total domestic deposits to total assets | 85.2311% | 2,984 |
| Equity capital to assets | 11.4700% | 2,385 |
| Core capital (leverage) ratio | 15.7592% | 493 |
| Tier 1 risk-based capital ratio | 13.1777% | 4,181 |
| Total risk-based capital ratio | 13.8861% | 4,442 |
| Memoranda: | ||
| Average total assets | $503,617,000 | 1,337 |
| Average earning assets | $454,025,800 | 1,367 |
| Average equity | $51,689,800 | 1,437 |
| Average total loans | $324,275,800 | 1,375 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,454 |
| Cost of funding earning assets | 0.3021% | 4,324 |
| Net interest margin | 3.6706% | 2,883 |
| Noninterest income to average assets | 0.6652% | 2,410 |
| Noninterest expense to average assets | 2.6039% | 3,867 |
| Loan and lease loss provision to assets | 0.1235% | 1,844 |
| Net operating income to assets | 0.8758% | 3,058 |
| Return on assets (ROA) | 0.8808% | 3,120 |
| Pretax return on assets | 1.2522% | 2,590 |
| Return on Equity (ROE) | 9.0031% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.9758% | 2,267 |
| Net charge-offs to loans | 0.0740% | 2,500 |
| Credit loss provision to net charge-offs | 263.9241% | 1,095 |
| Earnings coverage of net charge-offs (x) | 29.2470% | 1,525 |
| Efficiency ratio | 65.5483% | 3,969 |
| Assets per employee ($millions) | 5.4909% | 1,792 |
| Cash dividends to net income (ytd only)* | 33.6248% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,979 |
| Loan loss allowance to noncurrent loans | 154.7929% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 2,798 |
| Noncurrent loans to loans | 0.8550% | 2,836 |
| Net loans and leases to total assets | 65.2560% | 3,121 |
| Net loans and leases to deposits | 75.2237% | 3,402 |
| Net loans and leases to core deposits | 78.7864% | 3,529 |
| Total domestic deposits to total assets | 86.7492% | 2,161 |
| Equity capital to assets | 9.7265% | 4,482 |
| Core capital (leverage) ratio | 9.8087% | 3,889 |
| Tier 1 risk-based capital ratio | 12.6981% | 4,613 |
| Total risk-based capital ratio | 13.8573% | 4,586 |
| Memoranda: | ||
| Average total assets | $450,189,750 | 1,498 |
| Average earning assets | $405,623,500 | 1,526 |
| Average equity | $44,043,000 | 1,682 |
| Average total loans | $284,823,500 | 1,535 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 3,576 |
| Cost of funding earning assets | 0.3029% | 4,367 |
| Net interest margin | 3.6265% | 2,990 |
| Noninterest income to average assets | 0.6710% | 2,350 |
| Noninterest expense to average assets | 2.5823% | 3,969 |
| Loan and lease loss provision to assets | 0.1245% | 1,778 |
| Net operating income to assets | 0.8792% | 2,993 |
| Return on assets (ROA) | 0.8833% | 3,086 |
| Pretax return on assets | 1.2569% | 2,521 |
| Return on Equity (ROE) | 9.0107% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.0107% | 921 |
| Net charge-offs to loans | 0.0978% | 2,035 |
| Credit loss provision to net charge-offs | 204.4118% | 1,209 |
| Earnings coverage of net charge-offs (x) | 22.5809% | 1,641 |
| Efficiency ratio | 65.2445% | 4,142 |
| Assets per employee ($millions) | 5.4605% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 3,008 |
| Loan loss allowance to noncurrent loans | 143.6424% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 2,667 |
| Noncurrent loans to loans | 0.9363% | 2,787 |
| Net loans and leases to total assets | 64.2156% | 3,241 |
| Net loans and leases to deposits | 74.5624% | 3,432 |
| Net loans and leases to core deposits | 78.2295% | 3,552 |
| Total domestic deposits to total assets | 86.1233% | 2,625 |
| Equity capital to assets | 9.9166% | 4,132 |
| Core capital (leverage) ratio | 10.0099% | 3,585 |
| Tier 1 risk-based capital ratio | 13.3021% | 4,347 |
| Total risk-based capital ratio | 14.4814% | 4,312 |
| Memoranda: | ||
| Average total assets | $446,508,330 | 1,522 |
| Average earning assets | $404,692,670 | 1,537 |
| Average equity | $43,770,000 | 1,701 |
| Average total loans | $278,091,330 | 1,573 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 3,629 |
| Cost of funding earning assets | 0.3022% | 4,417 |
| Net interest margin | 3.5946% | 3,025 |
| Noninterest income to average assets | 0.6558% | 2,376 |
| Noninterest expense to average assets | 2.5558% | 4,077 |
| Loan and lease loss provision to assets | 0.1247% | 1,666 |
| Net operating income to assets | 0.8635% | 2,943 |
| Return on assets (ROA) | 0.8666% | 3,034 |
| Pretax return on assets | 1.2344% | 2,530 |
| Return on Equity (ROE) | 8.8923% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.8923% | 1,238 |
| Net charge-offs to loans | -0.0118% | 4,793 |
| Credit loss provision to net charge-offs | -1,737.5000% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3590% | 4,260 |
| Assets per employee ($millions) | 5.5632% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 2,851 |
| Loan loss allowance to noncurrent loans | 361.0856% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 3,279 |
| Noncurrent loans to loans | 0.3917% | 4,420 |
| Net loans and leases to total assets | 61.4745% | 3,453 |
| Net loans and leases to deposits | 70.7890% | 3,664 |
| Net loans and leases to core deposits | 74.2812% | 3,752 |
| Total domestic deposits to total assets | 86.8418% | 2,458 |
| Equity capital to assets | 9.9020% | 4,268 |
| Core capital (leverage) ratio | 9.8962% | 3,755 |
| Tier 1 risk-based capital ratio | 13.4761% | 4,335 |
| Total risk-based capital ratio | 14.7004% | 4,267 |
| Memoranda: | ||
| Average total assets | $445,880,000 | 1,538 |
| Average earning assets | $403,715,500 | 1,543 |
| Average equity | $43,453,500 | 1,714 |
| Average total loans | $271,409,500 | 1,617 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 4,272 |
| Cost of funding earning assets | 0.3178% | 4,604 |
| Net interest margin | 3.5456% | 3,618 |
| Noninterest income to average assets | 0.5561% | 3,139 |
| Noninterest expense to average assets | 2.4083% | 4,821 |
| Loan and lease loss provision to assets | 0.2408% | 980 |
| Net operating income to assets | 0.7941% | 3,403 |
| Return on assets (ROA) | 0.7973% | 3,485 |
| Pretax return on assets | 1.1467% | 2,886 |
| Return on Equity (ROE) | 8.6781% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.1986% | 1,811 |
| Net charge-offs to loans | 0.3920% | 1,091 |
| Credit loss provision to net charge-offs | 107.7472% | 2,217 |
| Earnings coverage of net charge-offs (x) | 6.1886% | 3,253 |
| Efficiency ratio | 63.5222% | 4,666 |
| Assets per employee ($millions) | 5.5838% | 1,700 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 2,827 |
| Loan loss allowance to noncurrent loans | 367.1526% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 3,326 |
| Noncurrent loans to loans | 0.3879% | 4,480 |
| Net loans and leases to total assets | 58.5444% | 3,990 |
| Net loans and leases to deposits | 67.2246% | 4,199 |
| Net loans and leases to core deposits | 70.3286% | 4,296 |
| Total domestic deposits to total assets | 87.0877% | 2,232 |
| Equity capital to assets | 9.5897% | 4,606 |
| Core capital (leverage) ratio | 9.6812% | 4,000 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,867 |
| Total risk-based capital ratio | 15.5957% | 3,806 |
| Memoranda: | ||
| Average total assets | $438,988,800 | 1,513 |
| Average earning assets | $400,550,600 | 1,525 |
| Average equity | $40,331,400 | 1,765 |
| Average total loans | $250,275,600 | 1,686 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 4,324 |
| Cost of funding earning assets | 0.3224% | 4,647 |
| Net interest margin | 3.5381% | 3,680 |
| Noninterest income to average assets | 0.5589% | 3,139 |
| Noninterest expense to average assets | 2.3834% | 4,878 |
| Loan and lease loss provision to assets | 0.2419% | 908 |
| Net operating income to assets | 0.8104% | 3,380 |
| Return on assets (ROA) | 0.8127% | 3,467 |
| Pretax return on assets | 1.1745% | 2,893 |
| Return on Equity (ROE) | 8.9458% | 2,719 |
| Retained earnings to average equity (ytd only) | 5.5878% | 2,678 |
| Net charge-offs to loans | 0.4592% | 852 |
| Credit loss provision to net charge-offs | 93.4040% | 2,370 |
| Earnings coverage of net charge-offs (x) | 5.4558% | 3,259 |
| Efficiency ratio | 62.7802% | 4,765 |
| Assets per employee ($millions) | 5.7494% | 1,527 |
| Cash dividends to net income (ytd only)* | 37.5376% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,117 |
| Loan loss allowance to noncurrent loans | 308.3756% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 3,390 |
| Noncurrent loans to loans | 0.4577% | 4,529 |
| Net loans and leases to total assets | 59.0433% | 3,922 |
| Net loans and leases to deposits | 68.0458% | 4,122 |
| Net loans and leases to core deposits | 71.3600% | 4,220 |
| Total domestic deposits to total assets | 86.7700% | 2,436 |
| Equity capital to assets | 9.5846% | 4,687 |
| Core capital (leverage) ratio | 9.5473% | 4,309 |
| Tier 1 risk-based capital ratio | 14.5888% | 3,822 |
| Total risk-based capital ratio | 15.8395% | 3,764 |
| Memoranda: | ||
| Average total assets | $437,059,250 | 1,531 |
| Average earning assets | $399,939,000 | 1,540 |
| Average equity | $39,704,750 | 1,798 |
| Average total loans | $246,519,500 | 1,719 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,408 |
| Cost of funding earning assets | 0.3273% | 4,672 |
| Net interest margin | 3.5034% | 3,778 |
| Noninterest income to average assets | 0.4911% | 3,541 |
| Noninterest expense to average assets | 2.3389% | 5,064 |
| Loan and lease loss provision to assets | 0.2405% | 935 |
| Net operating income to assets | 0.7601% | 3,514 |
| Return on assets (ROA) | 0.7635% | 3,602 |
| Pretax return on assets | 1.1007% | 3,098 |
| Return on Equity (ROE) | 8.5590% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.4522% | 4,003 |
| Net charge-offs to loans | 0.4872% | 822 |
| Credit loss provision to net charge-offs | 89.3401% | 2,189 |
| Earnings coverage of net charge-offs (x) | 4.9628% | 3,011 |
| Efficiency ratio | 63.6420% | 4,748 |
| Assets per employee ($millions) | 5.7643% | 1,460 |
| Cash dividends to net income (ytd only)* | 59.6659% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,075 |
| Loan loss allowance to noncurrent loans | 339.4590% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,825 |
| Noncurrent loans to loans | 0.4300% | 4,698 |
| Net loans and leases to total assets | 56.0774% | 4,271 |
| Net loans and leases to deposits | 64.6780% | 4,421 |
| Net loans and leases to core deposits | 68.1071% | 4,451 |
| Total domestic deposits to total assets | 86.7025% | 2,630 |
| Equity capital to assets | 9.1769% | 5,131 |
| Core capital (leverage) ratio | 9.3569% | 4,520 |
| Tier 1 risk-based capital ratio | 14.4309% | 3,974 |
| Total risk-based capital ratio | 15.6816% | 3,917 |
| Memoranda: | ||
| Average total assets | $439,011,670 | 1,527 |
| Average earning assets | $398,987,000 | 1,538 |
| Average equity | $39,163,330 | 1,808 |
| Average total loans | $242,612,330 | 1,740 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 4,509 |
| Cost of funding earning assets | 0.3321% | 4,718 |
| Net interest margin | 3.4615% | 3,854 |
| Noninterest income to average assets | 0.4687% | 3,640 |
| Noninterest expense to average assets | 2.3182% | 5,150 |
| Loan and lease loss provision to assets | 0.2403% | 918 |
| Net operating income to assets | 0.7358% | 3,510 |
| Return on assets (ROA) | 0.7427% | 3,550 |
| Pretax return on assets | 1.0795% | 3,000 |
| Return on Equity (ROE) | 8.4464% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.4464% | 1,438 |
| Net charge-offs to loans | 0.1003% | 2,168 |
| Credit loss provision to net charge-offs | 440.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 23.9833% | 1,202 |
| Efficiency ratio | 63.8986% | 4,872 |
| Assets per employee ($millions) | 5.9652% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 2,612 |
| Loan loss allowance to noncurrent loans | 162.5052% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 4,237 |
| Noncurrent loans to loans | 0.9970% | 3,424 |
| Net loans and leases to total assets | 54.4506% | 4,357 |
| Net loans and leases to deposits | 63.1827% | 4,413 |
| Net loans and leases to core deposits | 66.4574% | 4,452 |
| Total domestic deposits to total assets | 86.1795% | 3,267 |
| Equity capital to assets | 9.0504% | 5,057 |
| Core capital (leverage) ratio | 9.4296% | 4,377 |
| Tier 1 risk-based capital ratio | 14.8088% | 3,807 |
| Total risk-based capital ratio | 16.0609% | 3,764 |
| Memoranda: | ||
| Average total assets | $439,473,000 | 1,532 |
| Average earning assets | $401,097,500 | 1,530 |
| Average equity | $38,643,500 | 1,821 |
| Average total loans | $239,264,500 | 1,765 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,518 |
| Cost of funding earning assets | 0.4017% | 4,636 |
| Net interest margin | 3.4835% | 3,970 |
| Noninterest income to average assets | 0.5176% | 3,651 |
| Noninterest expense to average assets | 2.4386% | 4,961 |
| Loan and lease loss provision to assets | 0.2288% | 1,587 |
| Net operating income to assets | 0.6901% | 3,839 |
| Return on assets (ROA) | 0.7132% | 3,818 |
| Pretax return on assets | 1.0438% | 3,176 |
| Return on Equity (ROE) | 7.8743% | 3,096 |
| Retained earnings to average equity (ytd only) | 5.2346% | 2,460 |
| Net charge-offs to loans | 0.4961% | 1,337 |
| Credit loss provision to net charge-offs | 84.7653% | 2,903 |
| Earnings coverage of net charge-offs (x) | 4.5890% | 3,528 |
| Efficiency ratio | 66.3156% | 4,507 |
| Assets per employee ($millions) | 5.9930% | 1,277 |
| Cash dividends to net income (ytd only)* | 33.5233% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 2,928 |
| Loan loss allowance to noncurrent loans | 176.5744% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 4,529 |
| Noncurrent loans to loans | 0.8825% | 3,778 |
| Net loans and leases to total assets | 52.7215% | 4,758 |
| Net loans and leases to deposits | 59.0887% | 5,025 |
| Net loans and leases to core deposits | 62.1615% | 5,043 |
| Total domestic deposits to total assets | 89.2244% | 1,473 |
| Equity capital to assets | 8.5406% | 5,542 |
| Core capital (leverage) ratio | 9.2503% | 4,634 |
| Tier 1 risk-based capital ratio | 14.5410% | 3,936 |
| Total risk-based capital ratio | 15.7924% | 3,864 |
| Memoranda: | ||
| Average total assets | $418,273,000 | 1,578 |
| Average earning assets | $379,391,600 | 1,598 |
| Average equity | $37,882,600 | 1,835 |
| Average total loans | $227,581,800 | 1,802 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 4,471 |
| Cost of funding earning assets | 0.4187% | 4,635 |
| Net interest margin | 3.4888% | 3,925 |
| Noninterest income to average assets | 0.5447% | 3,495 |
| Noninterest expense to average assets | 2.5195% | 4,658 |
| Loan and lease loss provision to assets | 0.2372% | 1,517 |
| Net operating income to assets | 0.6434% | 4,161 |
| Return on assets (ROA) | 0.6728% | 4,141 |
| Pretax return on assets | 0.9865% | 3,557 |
| Return on Equity (ROE) | 7.3168% | 3,479 |
| Retained earnings to average equity (ytd only) | 3.7974% | 3,981 |
| Net charge-offs to loans | 0.6231% | 993 |
| Credit loss provision to net charge-offs | 69.6768% | 3,081 |
| Earnings coverage of net charge-offs (x) | 3.4667% | 3,691 |
| Efficiency ratio | 68.0983% | 4,081 |
| Assets per employee ($millions) | 5.5584% | 1,576 |
| Cash dividends to net income (ytd only)* | 48.1001% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,233 |
| Loan loss allowance to noncurrent loans | 169.8375% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 4,381 |
| Noncurrent loans to loans | 0.9117% | 3,994 |
| Net loans and leases to total assets | 54.1929% | 4,583 |
| Net loans and leases to deposits | 61.1919% | 4,849 |
| Net loans and leases to core deposits | 65.0807% | 4,797 |
| Total domestic deposits to total assets | 88.5623% | 1,807 |
| Equity capital to assets | 8.8716% | 5,330 |
| Core capital (leverage) ratio | 9.4164% | 4,515 |
| Tier 1 risk-based capital ratio | 14.7987% | 3,875 |
| Total risk-based capital ratio | 16.0499% | 3,832 |
| Memoranda: | ||
| Average total assets | $411,970,500 | 1,613 |
| Average earning assets | $372,576,250 | 1,631 |
| Average equity | $37,884,250 | 1,843 |
| Average total loans | $225,099,250 | 1,821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 4,571 |
| Cost of funding earning assets | 0.4254% | 4,703 |
| Net interest margin | 3.4494% | 4,009 |
| Noninterest income to average assets | 0.5376% | 3,585 |
| Noninterest expense to average assets | 2.5565% | 4,539 |
| Loan and lease loss provision to assets | 0.2266% | 1,666 |
| Net operating income to assets | 0.5978% | 4,293 |
| Return on assets (ROA) | 0.6263% | 4,331 |
| Pretax return on assets | 0.9149% | 3,854 |
| Return on Equity (ROE) | 6.7305% | 3,751 |
| Retained earnings to average equity (ytd only) | 1.4928% | 5,272 |
| Net charge-offs to loans | 0.9149% | 679 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | 2.2053% | 3,792 |
| Efficiency ratio | 69.9240% | 3,844 |
| Assets per employee ($millions) | 5.4096% | 1,684 |
| Cash dividends to net income (ytd only)* | 77.8210% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 3,778 |
| Loan loss allowance to noncurrent loans | 149.1449% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 4,128 |
| Noncurrent loans to loans | 0.9774% | 3,982 |
| Net loans and leases to total assets | 55.2143% | 4,415 |
| Net loans and leases to deposits | 62.1341% | 4,724 |
| Net loans and leases to core deposits | 66.3337% | 4,659 |
| Total domestic deposits to total assets | 88.8632% | 1,702 |
| Equity capital to assets | 9.0920% | 5,114 |
| Core capital (leverage) ratio | 9.4814% | 4,276 |
| Tier 1 risk-based capital ratio | 14.7269% | 3,958 |
| Total risk-based capital ratio | 15.9775% | 3,924 |
| Memoranda: | ||
| Average total assets | $410,333,000 | 1,620 |
| Average earning assets | $370,965,000 | 1,632 |
| Average equity | $38,184,330 | 1,834 |
| Average total loans | $223,641,000 | 1,829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 4,646 |
| Cost of funding earning assets | 0.4278% | 4,837 |
| Net interest margin | 3.4226% | 4,038 |
| Noninterest income to average assets | 0.5021% | 3,754 |
| Noninterest expense to average assets | 2.5194% | 4,688 |
| Loan and lease loss provision to assets | 0.1910% | 1,928 |
| Net operating income to assets | 0.6151% | 4,142 |
| Return on assets (ROA) | 0.6291% | 4,237 |
| Pretax return on assets | 0.9141% | 3,711 |
| Return on Equity (ROE) | 6.6851% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.6851% | 2,321 |
| Net charge-offs to loans | 0.7376% | 827 |
| Credit loss provision to net charge-offs | 48.1663% | 2,628 |
| Earnings coverage of net charge-offs (x) | 2.7359% | 2,957 |
| Efficiency ratio | 69.9032% | 3,995 |
| Assets per employee ($millions) | 5.4490% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 3,122 |
| Loan loss allowance to noncurrent loans | 290.9380% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 5,082 |
| Noncurrent loans to loans | 0.5750% | 5,010 |
| Net loans and leases to total assets | 53.3460% | 4,508 |
| Net loans and leases to deposits | 60.7194% | 4,715 |
| Net loans and leases to core deposits | 64.5737% | 4,694 |
| Total domestic deposits to total assets | 87.8566% | 2,409 |
| Equity capital to assets | 9.6713% | 4,606 |
| Core capital (leverage) ratio | 9.6067% | 3,912 |
| Tier 1 risk-based capital ratio | 15.3751% | 3,606 |
| Total risk-based capital ratio | 16.6277% | 3,559 |
| Memoranda: | ||
| Average total assets | $412,640,000 | 1,625 |
| Average earning assets | $373,981,500 | 1,635 |
| Average equity | $38,832,500 | 1,827 |
| Average total loans | $221,797,000 | 1,856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 4,270 |
| Cost of funding earning assets | 0.5651% | 4,689 |
| Net interest margin | 3.7160% | 3,578 |
| Noninterest income to average assets | 0.4994% | 3,905 |
| Noninterest expense to average assets | 2.4762% | 5,172 |
| Loan and lease loss provision to assets | 0.4020% | 1,614 |
| Net operating income to assets | 0.6713% | 3,874 |
| Return on assets (ROA) | 0.6790% | 4,104 |
| Pretax return on assets | 0.9926% | 3,574 |
| Return on Equity (ROE) | 7.0315% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.1932% | 2,583 |
| Net charge-offs to loans | 0.6815% | 1,732 |
| Credit loss provision to net charge-offs | 105.5293% | 2,822 |
| Earnings coverage of net charge-offs (x) | 3.6312% | 3,653 |
| Efficiency ratio | 64.1573% | 4,852 |
| Assets per employee ($millions) | 5.8619% | 1,385 |
| Cash dividends to net income (ytd only)* | 26.1445% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 2,848 |
| Loan loss allowance to noncurrent loans | 333.3046% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 5,003 |
| Noncurrent loans to loans | 0.5168% | 5,237 |
| Net loans and leases to total assets | 52.3525% | 4,875 |
| Net loans and leases to deposits | 58.9289% | 5,135 |
| Net loans and leases to core deposits | 62.5297% | 5,104 |
| Total domestic deposits to total assets | 88.8401% | 1,679 |
| Equity capital to assets | 9.1618% | 5,323 |
| Core capital (leverage) ratio | 9.4693% | 4,149 |
| Tier 1 risk-based capital ratio | 14.6814% | 3,905 |
| Total risk-based capital ratio | 15.9346% | 3,865 |
| Memoranda: | ||
| Average total assets | $389,270,200 | 1,680 |
| Average earning assets | $351,991,200 | 1,696 |
| Average equity | $37,587,800 | 1,848 |
| Average total loans | $217,606,800 | 1,860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 4,213 |
| Cost of funding earning assets | 0.5988% | 4,664 |
| Net interest margin | 3.7600% | 3,506 |
| Noninterest income to average assets | 0.4870% | 4,008 |
| Noninterest expense to average assets | 2.4656% | 5,190 |
| Loan and lease loss provision to assets | 0.3751% | 1,725 |
| Net operating income to assets | 0.6999% | 3,919 |
| Return on assets (ROA) | 0.7001% | 4,162 |
| Pretax return on assets | 1.0454% | 3,551 |
| Return on Equity (ROE) | 7.1492% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.3596% | 2,452 |
| Net charge-offs to loans | 0.7210% | 1,530 |
| Credit loss provision to net charge-offs | 91.8595% | 3,234 |
| Earnings coverage of net charge-offs (x) | 3.4781% | 3,628 |
| Efficiency ratio | 63.4522% | 4,895 |
| Assets per employee ($millions) | 5.8858% | 1,315 |
| Cash dividends to net income (ytd only)* | 11.0445% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 3,270 |
| Loan loss allowance to noncurrent loans | 325.6388% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 5,095 |
| Noncurrent loans to loans | 0.5120% | 5,417 |
| Net loans and leases to total assets | 56.1108% | 4,434 |
| Net loans and leases to deposits | 63.3421% | 4,793 |
| Net loans and leases to core deposits | 67.8547% | 4,740 |
| Total domestic deposits to total assets | 88.5838% | 1,667 |
| Equity capital to assets | 10.0174% | 4,469 |
| Core capital (leverage) ratio | 9.8753% | 3,718 |
| Tier 1 risk-based capital ratio | 15.0395% | 3,823 |
| Total risk-based capital ratio | 16.2924% | 3,769 |
| Memoranda: | ||
| Average total assets | $381,073,750 | 1,727 |
| Average earning assets | $344,456,500 | 1,752 |
| Average equity | $37,317,750 | 1,884 |
| Average total loans | $215,801,000 | 1,888 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 4,279 |
| Cost of funding earning assets | 0.6158% | 4,755 |
| Net interest margin | 3.7596% | 3,543 |
| Noninterest income to average assets | 0.5092% | 3,864 |
| Noninterest expense to average assets | 2.5472% | 4,970 |
| Loan and lease loss provision to assets | 0.2810% | 2,332 |
| Net operating income to assets | 0.7270% | 3,719 |
| Return on assets (ROA) | 0.7274% | 3,996 |
| Pretax return on assets | 1.0840% | 3,363 |
| Return on Equity (ROE) | 7.4866% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.2851% | 2,508 |
| Net charge-offs to loans | 0.6276% | 1,752 |
| Credit loss provision to net charge-offs | 79.2846% | 3,339 |
| Earnings coverage of net charge-offs (x) | 3.8495% | 3,252 |
| Efficiency ratio | 65.1182% | 4,703 |
| Assets per employee ($millions) | 5.7898% | 1,381 |
| Cash dividends to net income (ytd only)* | 16.0494% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 3,154 |
| Loan loss allowance to noncurrent loans | 243.7917% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 4,873 |
| Noncurrent loans to loans | 0.7041% | 5,100 |
| Net loans and leases to total assets | 54.7224% | 4,671 |
| Net loans and leases to deposits | 61.6516% | 5,046 |
| Net loans and leases to core deposits | 66.7859% | 4,918 |
| Total domestic deposits to total assets | 88.7607% | 1,667 |
| Equity capital to assets | 9.8934% | 4,496 |
| Core capital (leverage) ratio | 9.7368% | 3,793 |
| Tier 1 risk-based capital ratio | 15.1365% | 3,674 |
| Total risk-based capital ratio | 16.3895% | 3,640 |
| Memoranda: | ||
| Average total assets | $378,610,000 | 1,740 |
| Average earning assets | $342,644,330 | 1,756 |
| Average equity | $36,785,670 | 1,896 |
| Average total loans | $213,845,670 | 1,914 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 4,519 |
| Cost of funding earning assets | 0.6295% | 4,899 |
| Net interest margin | 3.7209% | 3,733 |
| Noninterest income to average assets | 0.5318% | 3,687 |
| Noninterest expense to average assets | 2.4859% | 5,192 |
| Loan and lease loss provision to assets | 0.4055% | 1,559 |
| Net operating income to assets | 0.6882% | 3,938 |
| Return on assets (ROA) | 0.6889% | 4,154 |
| Pretax return on assets | 1.0232% | 3,596 |
| Return on Equity (ROE) | 7.1562% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.7194% | 3,735 |
| Net charge-offs to loans | -0.7239% | 7,185 |
| Credit loss provision to net charge-offs | -98.4536% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5205% | 5,015 |
| Assets per employee ($millions) | 5.8549% | 1,379 |
| Cash dividends to net income (ytd only)* | 34.0524% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1445% | 2,003 |
| Loan loss allowance to noncurrent loans | 344.2264% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 5,244 |
| Noncurrent loans to loans | 0.6230% | 5,404 |
| Net loans and leases to total assets | 54.6872% | 4,602 |
| Net loans and leases to deposits | 61.9246% | 4,928 |
| Net loans and leases to core deposits | 67.6977% | 4,717 |
| Total domestic deposits to total assets | 88.3125% | 2,123 |
| Equity capital to assets | 9.5754% | 4,686 |
| Core capital (leverage) ratio | 9.7109% | 3,754 |
| Tier 1 risk-based capital ratio | 14.8753% | 3,841 |
| Total risk-based capital ratio | 16.1330% | 3,806 |
| Memoranda: | ||
| Average total assets | $376,852,500 | 1,758 |
| Average earning assets | $342,494,000 | 1,766 |
| Average equity | $36,276,000 | 1,914 |
| Average total loans | $214,388,500 | 1,911 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 4,091 |
| Cost of funding earning assets | 0.7693% | 5,063 |
| Net interest margin | 3.9681% | 3,027 |
| Noninterest income to average assets | 0.4365% | 4,323 |
| Noninterest expense to average assets | 2.5841% | 5,157 |
| Loan and lease loss provision to assets | 0.5124% | 2,051 |
| Net operating income to assets | 0.6089% | 3,957 |
| Return on assets (ROA) | 0.6197% | 4,087 |
| Pretax return on assets | 0.9536% | 3,418 |
| Return on Equity (ROE) | 6.4858% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.4858% | 1,743 |
| Net charge-offs to loans | 0.7729% | 2,220 |
| Credit loss provision to net charge-offs | 113.6054% | 2,890 |
| Earnings coverage of net charge-offs (x) | 3.2134% | 3,612 |
| Efficiency ratio | 64.0689% | 5,116 |
| Assets per employee ($millions) | 6.1170% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 3,004 |
| Loan loss allowance to noncurrent loans | 435.7471% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 5,468 |
| Noncurrent loans to loans | 0.4026% | 5,907 |
| Net loans and leases to total assets | 56.8968% | 4,561 |
| Net loans and leases to deposits | 64.3640% | 4,955 |
| Net loans and leases to core deposits | 70.4484% | 4,727 |
| Total domestic deposits to total assets | 88.3986% | 1,909 |
| Equity capital to assets | 9.6777% | 4,636 |
| Core capital (leverage) ratio | 9.8858% | 3,474 |
| Tier 1 risk-based capital ratio | 14.4903% | 3,982 |
| Total risk-based capital ratio | 15.7417% | 3,962 |
| Memoranda: | ||
| Average total assets | $358,542,400 | 1,808 |
| Average earning assets | $324,991,200 | 1,818 |
| Average equity | $34,259,600 | 1,954 |
| Average total loans | $209,206,000 | 1,962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 4,096 |
| Cost of funding earning assets | 0.8121% | 5,073 |
| Net interest margin | 3.9714% | 3,043 |
| Noninterest income to average assets | 0.4339% | 4,408 |
| Noninterest expense to average assets | 2.5738% | 5,178 |
| Loan and lease loss provision to assets | 0.5587% | 1,759 |
| Net operating income to assets | 0.5793% | 4,183 |
| Return on assets (ROA) | 0.5819% | 4,349 |
| Pretax return on assets | 0.9028% | 3,753 |
| Return on Equity (ROE) | 6.1109% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.1109% | 2,489 |
| Net charge-offs to loans | 0.8437% | 1,885 |
| Credit loss provision to net charge-offs | 113.2521% | 2,887 |
| Earnings coverage of net charge-offs (x) | 2.9543% | 3,667 |
| Efficiency ratio | 63.8490% | 5,100 |
| Assets per employee ($millions) | 6.2747% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 2,957 |
| Loan loss allowance to noncurrent loans | 669.9463% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 5,106 |
| Noncurrent loans to loans | 0.2683% | 6,332 |
| Net loans and leases to total assets | 58.2271% | 4,470 |
| Net loans and leases to deposits | 65.8314% | 4,932 |
| Net loans and leases to core deposits | 71.5542% | 4,765 |
| Total domestic deposits to total assets | 88.4488% | 1,788 |
| Equity capital to assets | 10.0879% | 4,221 |
| Core capital (leverage) ratio | 10.0069% | 3,433 |
| Tier 1 risk-based capital ratio | 15.0152% | 3,651 |
| Total risk-based capital ratio | 16.2646% | 3,620 |
| Memoranda: | ||
| Average total assets | $354,894,250 | 1,834 |
| Average earning assets | $321,454,750 | 1,845 |
| Average equity | $33,796,750 | 1,978 |
| Average total loans | $207,484,250 | 2,001 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7394% | 4,352 |
| Cost of funding earning assets | 0.8475% | 5,081 |
| Net interest margin | 3.8920% | 3,358 |
| Noninterest income to average assets | 0.4005% | 4,681 |
| Noninterest expense to average assets | 2.4715% | 5,638 |
| Loan and lease loss provision to assets | 0.6386% | 1,502 |
| Net operating income to assets | 0.4944% | 4,526 |
| Return on assets (ROA) | 0.4937% | 4,669 |
| Pretax return on assets | 0.8077% | 3,996 |
| Return on Equity (ROE) | 5.2877% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.2877% | 2,819 |
| Net charge-offs to loans | 1.2384% | 1,261 |
| Credit loss provision to net charge-offs | 88.6204% | 3,497 |
| Earnings coverage of net charge-offs (x) | 2.0086% | 3,864 |
| Efficiency ratio | 63.0644% | 5,394 |
| Assets per employee ($millions) | 7.1545% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 3,467 |
| Loan loss allowance to noncurrent loans | 460.9690% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 4,959 |
| Noncurrent loans to loans | 0.3595% | 6,192 |
| Net loans and leases to total assets | 56.8122% | 4,847 |
| Net loans and leases to deposits | 64.1764% | 5,249 |
| Net loans and leases to core deposits | 70.5627% | 5,005 |
| Total domestic deposits to total assets | 88.5250% | 1,836 |
| Equity capital to assets | 9.5830% | 4,682 |
| Core capital (leverage) ratio | 9.8804% | 3,408 |
| Tier 1 risk-based capital ratio | 14.7802% | 3,628 |
| Total risk-based capital ratio | 16.0274% | 3,597 |
| Memoranda: | ||
| Average total assets | $356,064,670 | 1,840 |
| Average earning assets | $321,894,330 | 1,853 |
| Average equity | $33,246,670 | 1,993 |
| Average total loans | $207,197,330 | 2,026 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 4,463 |
| Cost of funding earning assets | 0.9071% | 4,869 |
| Net interest margin | 3.8064% | 3,589 |
| Noninterest income to average assets | 0.3232% | 5,340 |
| Noninterest expense to average assets | 2.2554% | 6,292 |
| Loan and lease loss provision to assets | 0.8727% | 933 |
| Net operating income to assets | 0.4059% | 4,922 |
| Return on assets (ROA) | 0.4087% | 4,997 |
| Pretax return on assets | 0.6632% | 4,444 |
| Return on Equity (ROE) | 4.4364% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.4364% | 3,513 |
| Net charge-offs to loans | 1.8027% | 719 |
| Credit loss provision to net charge-offs | 82.8877% | 3,100 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 3,619 |
| Efficiency ratio | 59.5599% | 6,047 |
| Assets per employee ($millions) | 6.2324% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 3,479 |
| Loan loss allowance to noncurrent loans | 372.4891% | 839 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 4,511 |
| Noncurrent loans to loans | 0.4462% | 6,117 |
| Net loans and leases to total assets | 57.8418% | 4,669 |
| Net loans and leases to deposits | 64.7863% | 5,156 |
| Net loans and leases to core deposits | 71.9224% | 4,797 |
| Total domestic deposits to total assets | 89.2809% | 1,595 |
| Equity capital to assets | 9.4443% | 4,510 |
| Core capital (leverage) ratio | 9.5809% | 3,686 |
| Tier 1 risk-based capital ratio | 14.7169% | 3,600 |
| Total risk-based capital ratio | 15.9701% | 3,553 |
| Memoranda: | ||
| Average total assets | $355,234,000 | 1,854 |
| Average earning assets | $323,244,500 | 1,859 |
| Average equity | $32,729,500 | 2,001 |
| Average total loans | $207,467,500 | 2,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2104% | 3,555 |
| Cost of funding earning assets | 1.2314% | 4,348 |
| Net interest margin | 3.9791% | 3,108 |
| Noninterest income to average assets | 0.3252% | 5,461 |
| Noninterest expense to average assets | 2.6258% | 5,310 |
| Loan and lease loss provision to assets | 0.7328% | 2,241 |
| Net operating income to assets | 0.3326% | 4,817 |
| Return on assets (ROA) | 0.3823% | 4,773 |
| Pretax return on assets | 0.6247% | 4,243 |
| Return on Equity (ROE) | 4.2033% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.2033% | 2,898 |
| Net charge-offs to loans | 0.8878% | 2,413 |
| Credit loss provision to net charge-offs | 128.4797% | 3,117 |
| Earnings coverage of net charge-offs (x) | 2.2441% | 4,041 |
| Efficiency ratio | 67.2295% | 4,717 |
| Assets per employee ($millions) | 6.4545% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,206 |
| Loan loss allowance to noncurrent loans | 404.8753% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 5,163 |
| Noncurrent loans to loans | 0.4207% | 6,205 |
| Net loans and leases to total assets | 57.0131% | 5,186 |
| Net loans and leases to deposits | 63.6153% | 5,669 |
| Net loans and leases to core deposits | 71.8811% | 5,227 |
| Total domestic deposits to total assets | 89.6216% | 1,311 |
| Equity capital to assets | 8.9906% | 5,153 |
| Core capital (leverage) ratio | 9.6121% | 3,537 |
| Tier 1 risk-based capital ratio | 14.1529% | 3,765 |
| Total risk-based capital ratio | 15.4063% | 3,722 |
| Memoranda: | ||
| Average total assets | $327,515,600 | 1,986 |
| Average earning assets | $294,716,000 | 2,016 |
| Average equity | $29,786,200 | 2,191 |
| Average total loans | $210,410,400 | 2,065 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 3,104 |
| Cost of funding earning assets | 1.3248% | 4,076 |
| Net interest margin | 4.0279% | 2,964 |
| Noninterest income to average assets | 0.3473% | 5,391 |
| Noninterest expense to average assets | 2.8151% | 4,419 |
| Loan and lease loss provision to assets | 0.7941% | 1,914 |
| Net operating income to assets | 0.1937% | 5,525 |
| Return on assets (ROA) | 0.2595% | 5,475 |
| Pretax return on assets | 0.4342% | 5,130 |
| Return on Equity (ROE) | 2.8445% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.8445% | 4,432 |
| Net charge-offs to loans | 0.7857% | 2,471 |
| Credit loss provision to net charge-offs | 153.1023% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.1700% | 4,098 |
| Efficiency ratio | 71.4392% | 3,813 |
| Assets per employee ($millions) | 5.7820% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,869 |
| Loan loss allowance to noncurrent loans | 292.5633% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 4,688 |
| Noncurrent loans to loans | 0.6069% | 5,992 |
| Net loans and leases to total assets | 63.1768% | 4,281 |
| Net loans and leases to deposits | 71.5437% | 4,899 |
| Net loans and leases to core deposits | 80.2412% | 4,483 |
| Total domestic deposits to total assets | 88.3052% | 1,788 |
| Equity capital to assets | 10.0342% | 4,118 |
| Core capital (leverage) ratio | 9.8872% | 3,372 |
| Tier 1 risk-based capital ratio | 14.4588% | 3,527 |
| Total risk-based capital ratio | 15.6956% | 3,514 |
| Memoranda: | ||
| Average total assets | $319,031,000 | 2,072 |
| Average earning assets | $284,607,750 | 2,110 |
| Average equity | $29,108,500 | 2,265 |
| Average total loans | $210,601,250 | 2,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 3,063 |
| Cost of funding earning assets | 1.3843% | 3,977 |
| Net interest margin | 3.9957% | 3,037 |
| Noninterest income to average assets | 0.3156% | 5,633 |
| Noninterest expense to average assets | 2.7684% | 4,626 |
| Loan and lease loss provision to assets | 0.7371% | 1,962 |
| Net operating income to assets | 0.1932% | 5,585 |
| Return on assets (ROA) | 0.2142% | 5,643 |
| Pretax return on assets | 0.3692% | 5,312 |
| Return on Equity (ROE) | 2.4302% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.4302% | 4,611 |
| Net charge-offs to loans | 1.0029% | 1,856 |
| Credit loss provision to net charge-offs | 110.3774% | 3,686 |
| Earnings coverage of net charge-offs (x) | 1.6075% | 4,289 |
| Efficiency ratio | 72.0564% | 3,802 |
| Assets per employee ($millions) | 6.0665% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 4,030 |
| Loan loss allowance to noncurrent loans | 1,117.0213% | 307 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 4,784 |
| Noncurrent loans to loans | 0.1322% | 7,001 |
| Net loans and leases to total assets | 65.3569% | 3,972 |
| Net loans and leases to deposits | 74.4441% | 4,605 |
| Net loans and leases to core deposits | 84.0476% | 4,137 |
| Total domestic deposits to total assets | 87.7932% | 2,111 |
| Equity capital to assets | 9.7494% | 4,339 |
| Core capital (leverage) ratio | 9.7086% | 3,524 |
| Tier 1 risk-based capital ratio | 13.8743% | 3,820 |
| Total risk-based capital ratio | 15.1304% | 3,779 |
| Memoranda: | ||
| Average total assets | $317,443,670 | 2,094 |
| Average earning assets | $280,148,000 | 2,160 |
| Average equity | $27,981,330 | 2,336 |
| Average total loans | $211,381,670 | 2,108 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 3,370 |
| Cost of funding earning assets | 1.4175% | 4,065 |
| Net interest margin | 3.9169% | 3,250 |
| Noninterest income to average assets | 0.3158% | 5,625 |
| Noninterest expense to average assets | 2.9448% | 3,883 |
| Loan and lease loss provision to assets | 0.5327% | 2,374 |
| Net operating income to assets | 0.1618% | 5,820 |
| Return on assets (ROA) | 0.1585% | 5,951 |
| Pretax return on assets | 0.2676% | 5,694 |
| Return on Equity (ROE) | 1.9012% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9012% | 4,982 |
| Net charge-offs to loans | 0.0095% | 5,459 |
| Credit loss provision to net charge-offs | 8,400.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 259 |
| Efficiency ratio | 78.5255% | 2,809 |
| Assets per employee ($millions) | 6.4178% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 3,283 |
| Loan loss allowance to noncurrent loans | 733.3333% | 431 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 5,065 |
| Noncurrent loans to loans | 0.2240% | 6,884 |
| Net loans and leases to total assets | 63.1835% | 4,496 |
| Net loans and leases to deposits | 70.6483% | 5,246 |
| Net loans and leases to core deposits | 76.8747% | 5,149 |
| Total domestic deposits to total assets | 89.4339% | 1,277 |
| Equity capital to assets | 8.1730% | 6,466 |
| Core capital (leverage) ratio | 8.5303% | 5,322 |
| Tier 1 risk-based capital ratio | 11.7753% | 5,423 |
| Total risk-based capital ratio | 13.0330% | 5,352 |
| Memoranda: | ||
| Average total assets | $315,402,000 | 2,156 |
| Average earning assets | $276,544,500 | 2,231 |
| Average equity | $26,298,500 | 2,489 |
| Average total loans | $210,427,500 | 2,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 3,610 |
| Cost of funding earning assets | 1.7820% | 4,090 |
| Net interest margin | 3.8184% | 3,625 |
| Noninterest income to average assets | 0.3054% | 5,904 |
| Noninterest expense to average assets | 2.8724% | 4,647 |
| Loan and lease loss provision to assets | 0.6455% | 3,223 |
| Net operating income to assets | 0.0889% | 5,240 |
| Return on assets (ROA) | 0.1983% | 4,971 |
| Pretax return on assets | 0.3727% | 4,573 |
| Return on Equity (ROE) | 2.0668% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.0668% | 3,658 |
| Net charge-offs to loans | 0.4331% | 4,068 |
| Credit loss provision to net charge-offs | 206.3397% | 1,861 |
| Earnings coverage of net charge-offs (x) | 2.7081% | 3,750 |
| Efficiency ratio | 77.2233% | 3,324 |
| Assets per employee ($millions) | 6.1938% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,018 |
| Loan loss allowance to noncurrent loans | 467.5385% | 708 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 4,463 |
| Noncurrent loans to loans | 0.3086% | 6,662 |
| Net loans and leases to total assets | 68.3888% | 3,618 |
| Net loans and leases to deposits | 77.2695% | 4,511 |
| Net loans and leases to core deposits | 105.8641% | 3,356 |
| Total domestic deposits to total assets | 88.5069% | 1,722 |
| Equity capital to assets | 8.5161% | 5,855 |
| Core capital (leverage) ratio | 8.6545% | 5,006 |
| Tier 1 risk-based capital ratio | 11.5186% | 5,379 |
| Total risk-based capital ratio | 12.7702% | 5,336 |
| Memoranda: | ||
| Average total assets | $267,233,600 | 2,454 |
| Average earning assets | $238,951,200 | 2,509 |
| Average equity | $25,643,600 | 2,552 |
| Average total loans | $193,008,800 | 2,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6125% | 3,791 |
| Cost of funding earning assets | 1.8708% | 4,042 |
| Net interest margin | 3.7417% | 3,900 |
| Noninterest income to average assets | 0.2355% | 6,541 |
| Noninterest expense to average assets | 2.8611% | 4,609 |
| Loan and lease loss provision to assets | 0.5815% | 3,063 |
| Net operating income to assets | 0.0791% | 5,531 |
| Return on assets (ROA) | 0.2040% | 5,227 |
| Pretax return on assets | 0.3615% | 4,901 |
| Return on Equity (ROE) | 2.0578% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.0578% | 4,176 |
| Net charge-offs to loans | 0.5811% | 2,934 |
| Credit loss provision to net charge-offs | 136.9830% | 3,613 |
| Earnings coverage of net charge-offs (x) | 1.7616% | 4,474 |
| Efficiency ratio | 79.2788% | 2,954 |
| Assets per employee ($millions) | 5.3007% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,277 |
| Loan loss allowance to noncurrent loans | 698.8604% | 489 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 4,357 |
| Noncurrent loans to loans | 0.1679% | 7,068 |
| Net loans and leases to total assets | 73.5551% | 2,655 |
| Net loans and leases to deposits | 84.0056% | 3,640 |
| Net loans and leases to core deposits | 115.4870% | 2,675 |
| Total domestic deposits to total assets | 87.5598% | 1,857 |
| Equity capital to assets | 9.2320% | 5,112 |
| Core capital (leverage) ratio | 9.1473% | 4,418 |
| Tier 1 risk-based capital ratio | 11.1691% | 5,792 |
| Total risk-based capital ratio | 12.2440% | 5,925 |
| Memoranda: | ||
| Average total assets | $258,168,500 | 2,544 |
| Average earning assets | $232,759,250 | 2,587 |
| Average equity | $25,593,000 | 2,579 |
| Average total loans | $188,612,250 | 2,440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 4,230 |
| Cost of funding earning assets | 1.9529% | 3,989 |
| Net interest margin | 3.6146% | 4,305 |
| Noninterest income to average assets | 0.2059% | 6,819 |
| Noninterest expense to average assets | 2.8709% | 4,627 |
| Loan and lease loss provision to assets | 0.5707% | 2,727 |
| Net operating income to assets | -0.0049% | 5,851 |
| Return on assets (ROA) | 0.1780% | 5,427 |
| Pretax return on assets | 0.2985% | 5,213 |
| Return on Equity (ROE) | 1.7505% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.7505% | 4,369 |
| Net charge-offs to loans | 0.3895% | 3,251 |
| Credit loss provision to net charge-offs | 201.9774% | 2,255 |
| Earnings coverage of net charge-offs (x) | 2.0650% | 4,047 |
| Efficiency ratio | 83.1100% | 2,590 |
| Assets per employee ($millions) | 4.8838% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,316 |
| Loan loss allowance to noncurrent loans | 106.8056% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 3,721 |
| Noncurrent loans to loans | 1.2094% | 4,798 |
| Net loans and leases to total assets | 74.1314% | 2,670 |
| Net loans and leases to deposits | 86.1409% | 3,533 |
| Net loans and leases to core deposits | 119.5353% | 2,409 |
| Total domestic deposits to total assets | 86.0583% | 2,757 |
| Equity capital to assets | 9.8790% | 4,109 |
| Core capital (leverage) ratio | 9.9047% | 3,391 |
| Tier 1 risk-based capital ratio | 12.0757% | 4,852 |
| Total risk-based capital ratio | 13.2767% | 4,819 |
| Memoranda: | ||
| Average total assets | $250,579,670 | 2,626 |
| Average earning assets | $225,199,000 | 2,686 |
| Average equity | $25,478,670 | 2,601 |
| Average total loans | $181,784,670 | 2,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5708% | 4,521 |
| Cost of funding earning assets | 2.1258% | 3,534 |
| Net interest margin | 3.4451% | 4,958 |
| Noninterest income to average assets | 0.1948% | 6,903 |
| Noninterest expense to average assets | 2.6212% | 5,366 |
| Loan and lease loss provision to assets | 0.4480% | 2,683 |
| Net operating income to assets | 0.0983% | 5,982 |
| Return on assets (ROA) | 0.1980% | 5,836 |
| Pretax return on assets | 0.3457% | 5,544 |
| Return on Equity (ROE) | 1.9188% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.9188% | 4,786 |
| Net charge-offs to loans | 0.3351% | 2,752 |
| Credit loss provision to net charge-offs | 187.7551% | 2,332 |
| Earnings coverage of net charge-offs (x) | 2.6735% | 3,421 |
| Efficiency ratio | 80.4283% | 2,759 |
| Assets per employee ($millions) | 4.7678% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,201 |
| Loan loss allowance to noncurrent loans | 244.4206% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2786% | 4,119 |
| Noncurrent loans to loans | 0.5237% | 6,113 |
| Net loans and leases to total assets | 70.8673% | 3,497 |
| Net loans and leases to deposits | 82.1148% | 4,263 |
| Net loans and leases to core deposits | 111.4101% | 3,272 |
| Total domestic deposits to total assets | 86.3027% | 2,553 |
| Equity capital to assets | 10.3346% | 3,620 |
| Core capital (leverage) ratio | 10.4789% | 2,954 |
| Tier 1 risk-based capital ratio | 12.6917% | 4,398 |
| Total risk-based capital ratio | 13.8422% | 4,403 |
| Memoranda: | ||
| Average total assets | $246,448,000 | 2,690 |
| Average earning assets | $219,213,000 | 2,773 |
| Average equity | $25,432,500 | 2,613 |
| Average total loans | $175,479,500 | 2,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0571% | 5,267 |
| Cost of funding earning assets | 2.4351% | 4,544 |
| Net interest margin | 3.6219% | 4,778 |
| Noninterest income to average assets | 0.2904% | 6,386 |
| Noninterest expense to average assets | 2.7463% | 5,063 |
| Loan and lease loss provision to assets | 0.5371% | 2,680 |
| Net operating income to assets | 0.2190% | 5,793 |
| Return on assets (ROA) | 0.2833% | 5,408 |
| Pretax return on assets | 0.4558% | 5,107 |
| Return on Equity (ROE) | 2.4421% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.4421% | 3,674 |
| Net charge-offs to loans | 0.2914% | 3,456 |
| Credit loss provision to net charge-offs | 272.1429% | 1,690 |
| Earnings coverage of net charge-offs (x) | 4.5214% | 3,950 |
| Efficiency ratio | 75.4778% | 3,330 |
| Assets per employee ($millions) | 5.1036% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,213 |
| Loan loss allowance to noncurrent loans | 584.2391% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.2181% | 3,803 |
| Noncurrent loans to loans | 0.2127% | 6,754 |
| Net loans and leases to total assets | 69.7361% | 4,081 |
| Net loans and leases to deposits | 83.6868% | 4,469 |
| Net loans and leases to core deposits | 118.4948% | 2,835 |
| Total domestic deposits to total assets | 83.3299% | 3,640 |
| Equity capital to assets | 10.3044% | 3,708 |
| Core capital (leverage) ratio | 10.9737% | 2,609 |
| Tier 1 risk-based capital ratio | 12.8642% | 4,181 |
| Total risk-based capital ratio | 13.9710% | 4,191 |
| Memoranda: | ||
| Average total assets | $212,828,800 | 2,967 |
| Average earning assets | $196,745,800 | 2,926 |
| Average equity | $24,692,200 | 2,673 |
| Average total loans | $144,115,400 | 3,020 |