Home > State Bank of the Lakes > Performance and Condition Ratios
State Bank of the Lakes, 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 | 5.5991% | 1,034 |
| Cost of funding earning assets | 1.9718% | 957 |
| Net interest margin | 3.6272% | 1,909 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.5113% | 4,320 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.5426% | 948 |
| Return on assets (ROA) | 1.5447% | 915 |
| Pretax return on assets | 2.0809% | 592 |
| Return on Equity (ROE) | 13.5300% | 1,594 |
| Retained earnings to average equity (ytd only) | 13.5307% | 443 |
| Net charge-offs to loans | 0.0774% | 1,093 |
| Credit loss provision to net charge-offs | 158.8235% | 1,416 |
| Earnings coverage of net charge-offs (x) | 37.3864% | 1,489 |
| Efficiency ratio | 41.1699% | 4,338 |
| Assets per employee ($millions) | 22.8924% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4414% | 4,368 |
| Loan loss allowance to noncurrent loans | 181.0459% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 2,248 |
| Noncurrent loans to loans | 0.2438% | 2,327 |
| Net loans and leases to total assets | 75.8500% | 1,139 |
| Net loans and leases to deposits | 91.4546% | 1,146 |
| Net loans and leases to core deposits | 108.7760% | 1,004 |
| Total domestic deposits to total assets | 82.9300% | 2,908 |
| Equity capital to assets | 12.0723% | 1,103 |
| Core capital (leverage) ratio | 9.9003% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9383% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,915,791,600 | 595 |
| Average earning assets | $1,740,330,400 | 594 |
| Average equity | $218,710,000 | 503 |
| Average total loans | $1,427,074,400 | 538 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 1,086 |
| Cost of funding earning assets | 1.8285% | 962 |
| Net interest margin | 3.6104% | 1,982 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.4673% | 4,336 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.6153% | 918 |
| Return on assets (ROA) | 1.6147% | 906 |
| Pretax return on assets | 2.1928% | 562 |
| Return on Equity (ROE) | 14.3500% | 1,570 |
| Retained earnings to average equity (ytd only) | 14.3541% | 633 |
| Net charge-offs to loans | 0.0496% | 1,180 |
| Credit loss provision to net charge-offs | 96.3878% | 1,651 |
| Earnings coverage of net charge-offs (x) | 59.5494% | 1,209 |
| Efficiency ratio | 40.0952% | 4,358 |
| Assets per employee ($millions) | 23.9891% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3934% | 4,411 |
| Loan loss allowance to noncurrent loans | 50.7298% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 976 |
| Noncurrent loans to loans | 0.7755% | 1,069 |
| Net loans and leases to total assets | 75.6100% | 1,164 |
| Net loans and leases to deposits | 89.9990% | 1,239 |
| Net loans and leases to core deposits | 105.8358% | 1,023 |
| Total domestic deposits to total assets | 84.0100% | 2,770 |
| Equity capital to assets | 11.3418% | 1,228 |
| Core capital (leverage) ratio | 9.5028% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4096% | 2,750 |
| Memoranda: | ||
| Average total assets | $1,908,276,250 | 598 |
| Average earning assets | $1,733,228,750 | 598 |
| Average equity | $214,660,250 | 507 |
| Average total loans | $1,413,248,500 | 544 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 1,238 |
| Cost of funding earning assets | 1.6183% | 1,021 |
| Net interest margin | 3.5659% | 2,112 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.4773% | 4,354 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.5507% | 1,019 |
| Return on assets (ROA) | 1.5520% | 1,012 |
| Pretax return on assets | 2.1089% | 614 |
| Return on Equity (ROE) | 13.8400% | 1,714 |
| Retained earnings to average equity (ytd only) | 13.8365% | 704 |
| Net charge-offs to loans | 0.0299% | 1,290 |
| Credit loss provision to net charge-offs | 100.9662% | 1,436 |
| Earnings coverage of net charge-offs (x) | 94.2367% | 971 |
| Efficiency ratio | 41.6492% | 4,349 |
| Assets per employee ($millions) | 23.1483% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 4,440 |
| Loan loss allowance to noncurrent loans | 201.1945% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,416 |
| Noncurrent loans to loans | 0.2019% | 2,460 |
| Net loans and leases to total assets | 73.4700% | 1,352 |
| Net loans and leases to deposits | 87.0470% | 1,424 |
| Net loans and leases to core deposits | 103.9165% | 1,061 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 11.0926% | 1,355 |
| Core capital (leverage) ratio | 9.2483% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3226% | 2,795 |
| Memoranda: | ||
| Average total assets | $1,888,666,333 | 592 |
| Average earning assets | $1,708,128,333 | 597 |
| Average equity | $211,845,000 | 505 |
| Average total loans | $1,386,627,000 | 542 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 1,346 |
| Cost of funding earning assets | 1.3517% | 1,127 |
| Net interest margin | 3.5887% | 2,158 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.4791% | 4,403 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.5786% | 1,019 |
| Return on assets (ROA) | 1.5836% | 1,010 |
| Pretax return on assets | 2.1438% | 622 |
| Return on Equity (ROE) | 14.0400% | 1,761 |
| Retained earnings to average equity (ytd only) | 14.0358% | 932 |
| Net charge-offs to loans | 0.0124% | 1,486 |
| Credit loss provision to net charge-offs | 961.9048% | 370 |
| Earnings coverage of net charge-offs (x) | 233.9524% | 455 |
| Efficiency ratio | 40.9866% | 4,420 |
| Assets per employee ($millions) | 22.3924% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 4,474 |
| Loan loss allowance to noncurrent loans | 246.0087% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 2,497 |
| Noncurrent loans to loans | 0.1834% | 2,564 |
| Net loans and leases to total assets | 73.4000% | 1,275 |
| Net loans and leases to deposits | 87.6932% | 1,231 |
| Net loans and leases to core deposits | 106.6184% | 813 |
| Total domestic deposits to total assets | 83.7000% | 3,158 |
| Equity capital to assets | 11.3133% | 1,221 |
| Core capital (leverage) ratio | 9.4667% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2816% | 2,904 |
| Memoranda: | ||
| Average total assets | $1,849,198,000 | 615 |
| Average earning assets | $1,649,738,000 | 621 |
| Average equity | $208,638,000 | 518 |
| Average total loans | $1,354,237,500 | 563 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2582% | 3,691 |
| Cost of funding earning assets | 0.4215% | 1,927 |
| Net interest margin | 2.8367% | 3,814 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.3374% | 4,546 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0927% | 2,208 |
| Return on assets (ROA) | 1.0879% | 2,165 |
| Pretax return on assets | 1.4761% | 1,526 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 9.5231% | 1,308 |
| Net charge-offs to loans | 0.0383% | 1,327 |
| Credit loss provision to net charge-offs | 82.8753% | 1,668 |
| Earnings coverage of net charge-offs (x) | 56.2896% | 1,297 |
| Efficiency ratio | 46.5181% | 4,317 |
| Assets per employee ($millions) | 21.3816% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4455% | 4,476 |
| Loan loss allowance to noncurrent loans | 69.2869% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 1,020 |
| Noncurrent loans to loans | 0.6430% | 1,153 |
| Net loans and leases to total assets | 72.3900% | 1,375 |
| Net loans and leases to deposits | 88.6097% | 1,134 |
| Net loans and leases to core deposits | 101.0825% | 943 |
| Total domestic deposits to total assets | 81.7000% | 3,660 |
| Equity capital to assets | 11.2509% | 1,164 |
| Core capital (leverage) ratio | 9.0501% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3337% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,737,174,800 | 625 |
| Average earning assets | $1,596,677,800 | 619 |
| Average equity | $198,443,600 | 532 |
| Average total loans | $1,233,881,800 | 567 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9142% | 4,042 |
| Cost of funding earning assets | 0.2506% | 2,702 |
| Net interest margin | 2.6636% | 3,997 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.3193% | 4,571 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 1.0728% | 2,194 |
| Return on assets (ROA) | 1.0660% | 2,188 |
| Pretax return on assets | 1.4474% | 1,561 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | 9.2942% | 1,554 |
| Net charge-offs to loans | 0.0118% | 1,676 |
| Credit loss provision to net charge-offs | -741.1215% | 4,713 |
| Earnings coverage of net charge-offs (x) | 168.1682% | 696 |
| Efficiency ratio | 48.4722% | 4,245 |
| Assets per employee ($millions) | 21.1222% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3897% | 4,548 |
| Loan loss allowance to noncurrent loans | 268.2011% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 2,703 |
| Noncurrent loans to loans | 0.1453% | 2,891 |
| Net loans and leases to total assets | 72.1600% | 1,278 |
| Net loans and leases to deposits | 85.5385% | 1,199 |
| Net loans and leases to core deposits | 95.9485% | 1,003 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 11.0718% | 1,149 |
| Core capital (leverage) ratio | 9.1912% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1902% | 3,008 |
| Memoranda: | ||
| Average total assets | $1,717,109,500 | 635 |
| Average earning assets | $1,589,206,000 | 625 |
| Average equity | $196,935,250 | 537 |
| Average total loans | $1,211,967,500 | 565 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6954% | 4,148 |
| Cost of funding earning assets | 0.1675% | 3,348 |
| Net interest margin | 2.5279% | 4,040 |
| Noninterest income to average assets | 0.2453% | 3,698 |
| Noninterest expense to average assets | 1.3243% | 4,581 |
| Loan and lease loss provision to assets | -0.1036% | 4,599 |
| Net operating income to assets | 1.0102% | 2,115 |
| Return on assets (ROA) | 1.0032% | 2,117 |
| Pretax return on assets | 1.3582% | 1,559 |
| Return on Equity (ROE) | 8.6410% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.6410% | 1,388 |
| Net charge-offs to loans | 0.0222% | 1,285 |
| Credit loss provision to net charge-offs | -600.7634% | 3,424 |
| Earnings coverage of net charge-offs (x) | 81.5496% | 923 |
| Efficiency ratio | 51.0695% | 4,187 |
| Assets per employee ($millions) | 20.1495% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4106% | 4,615 |
| Loan loss allowance to noncurrent loans | 314.5081% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 2,876 |
| Noncurrent loans to loans | 0.1306% | 3,064 |
| Net loans and leases to total assets | 71.5295% | 1,160 |
| Net loans and leases to deposits | 82.5598% | 1,208 |
| Net loans and leases to core deposits | 93.4994% | 941 |
| Total domestic deposits to total assets | 86.6396% | 3,061 |
| Equity capital to assets | 11.5594% | 1,011 |
| Core capital (leverage) ratio | 9.0684% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3085% | 2,969 |
| Memoranda: | ||
| Average total assets | $1,691,017,667 | 641 |
| Average earning assets | $1,566,975,333 | 636 |
| Average equity | $196,319,667 | 541 |
| Average total loans | $1,182,412,667 | 575 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6008% | 4,115 |
| Cost of funding earning assets | 0.1386% | 3,652 |
| Net interest margin | 2.4622% | 3,972 |
| Noninterest income to average assets | 0.2516% | 3,639 |
| Noninterest expense to average assets | 1.3370% | 4,595 |
| Loan and lease loss provision to assets | -0.0888% | 4,579 |
| Net operating income to assets | 0.9541% | 2,059 |
| Return on assets (ROA) | 0.9459% | 2,080 |
| Pretax return on assets | 1.2772% | 1,572 |
| Return on Equity (ROE) | 8.1293% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.1293% | 1,536 |
| Net charge-offs to loans | 0.0435% | 850 |
| Credit loss provision to net charge-offs | -21.4286% | 2,777 |
| Earnings coverage of net charge-offs (x) | 39.9683% | 1,009 |
| Efficiency ratio | 52.6098% | 4,150 |
| Assets per employee ($millions) | 19.9543% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 4,587 |
| Loan loss allowance to noncurrent loans | 178.7888% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,218 |
| Noncurrent loans to loans | 0.2783% | 2,474 |
| Net loans and leases to total assets | 69.3783% | 1,074 |
| Net loans and leases to deposits | 80.5391% | 1,103 |
| Net loans and leases to core deposits | 91.3032% | 851 |
| Total domestic deposits to total assets | 86.1424% | 3,211 |
| Equity capital to assets | 11.6575% | 1,072 |
| Core capital (leverage) ratio | 8.7469% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3438% | 3,001 |
| Memoranda: | ||
| Average total assets | $1,680,173,000 | 647 |
| Average earning assets | $1,558,757,000 | 642 |
| Average equity | $195,490,500 | 561 |
| Average total loans | $1,158,548,500 | 581 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6590% | 4,350 |
| Cost of funding earning assets | 0.2146% | 3,319 |
| Net interest margin | 2.4443% | 4,263 |
| Noninterest income to average assets | 0.2859% | 3,680 |
| Noninterest expense to average assets | 1.4493% | 4,586 |
| Loan and lease loss provision to assets | -0.1145% | 4,570 |
| Net operating income to assets | 0.8917% | 3,074 |
| Return on assets (ROA) | 0.8907% | 3,132 |
| Pretax return on assets | 1.1995% | 2,663 |
| Return on Equity (ROE) | 7.7380% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.7380% | 1,644 |
| Net charge-offs to loans | 0.0373% | 1,504 |
| Credit loss provision to net charge-offs | -350.1193% | 3,661 |
| Earnings coverage of net charge-offs (x) | 42.2339% | 1,404 |
| Efficiency ratio | 57.0232% | 3,575 |
| Assets per employee ($millions) | 19.8139% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5198% | 4,609 |
| Loan loss allowance to noncurrent loans | 142.3563% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 2,081 |
| Noncurrent loans to loans | 0.3651% | 2,277 |
| Net loans and leases to total assets | 67.8322% | 1,288 |
| Net loans and leases to deposits | 78.6810% | 1,331 |
| Net loans and leases to core deposits | 88.4699% | 1,046 |
| Total domestic deposits to total assets | 86.2117% | 2,831 |
| Equity capital to assets | 11.6129% | 1,449 |
| Core capital (leverage) ratio | 8.4852% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2477% | 3,019 |
| Memoranda: | ||
| Average total assets | $1,629,039,200 | 639 |
| Average earning assets | $1,499,337,600 | 637 |
| Average equity | $187,515,200 | 578 |
| Average total loans | $1,123,131,000 | 593 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6837% | 4,424 |
| Cost of funding earning assets | 0.2368% | 3,246 |
| Net interest margin | 2.4469% | 4,347 |
| Noninterest income to average assets | 0.2790% | 3,762 |
| Noninterest expense to average assets | 1.4516% | 4,641 |
| Loan and lease loss provision to assets | -0.1439% | 4,678 |
| Net operating income to assets | 0.9104% | 3,214 |
| Return on assets (ROA) | 0.9096% | 3,291 |
| Pretax return on assets | 1.2177% | 2,872 |
| Return on Equity (ROE) | 7.9208% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.9208% | 2,077 |
| Net charge-offs to loans | 0.0512% | 1,155 |
| Credit loss provision to net charge-offs | -363.6364% | 3,557 |
| Earnings coverage of net charge-offs (x) | 30.3520% | 1,516 |
| Efficiency ratio | 57.3137% | 3,382 |
| Assets per employee ($millions) | 18.9716% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 4,688 |
| Loan loss allowance to noncurrent loans | 329.5506% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 2,668 |
| Noncurrent loans to loans | 0.1583% | 3,334 |
| Net loans and leases to total assets | 67.0098% | 1,429 |
| Net loans and leases to deposits | 77.5640% | 1,518 |
| Net loans and leases to core deposits | 86.8265% | 1,231 |
| Total domestic deposits to total assets | 86.3929% | 2,601 |
| Equity capital to assets | 11.3971% | 1,738 |
| Core capital (leverage) ratio | 8.3486% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2930% | 3,060 |
| Memoranda: | ||
| Average total assets | $1,615,253,000 | 653 |
| Average earning assets | $1,483,572,000 | 652 |
| Average equity | $185,498,250 | 589 |
| Average total loans | $1,116,816,750 | 603 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7100% | 4,447 |
| Cost of funding earning assets | 0.2637% | 3,155 |
| Net interest margin | 2.4463% | 4,377 |
| Noninterest income to average assets | 0.2528% | 3,880 |
| Noninterest expense to average assets | 1.4678% | 4,655 |
| Loan and lease loss provision to assets | -0.3097% | 4,844 |
| Net operating income to assets | 1.0017% | 2,876 |
| Return on assets (ROA) | 1.0009% | 2,961 |
| Pretax return on assets | 1.3352% | 2,534 |
| Return on Equity (ROE) | 8.6925% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.6925% | 1,821 |
| Net charge-offs to loans | 0.0978% | 750 |
| Credit loss provision to net charge-offs | -252.8440% | 3,272 |
| Earnings coverage of net charge-offs (x) | 15.0422% | 1,647 |
| Efficiency ratio | 58.6898% | 3,189 |
| Assets per employee ($millions) | 18.9280% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 4,722 |
| Loan loss allowance to noncurrent loans | 239.6768% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 2,517 |
| Noncurrent loans to loans | 0.2189% | 3,169 |
| Net loans and leases to total assets | 69.1076% | 1,308 |
| Net loans and leases to deposits | 80.1181% | 1,411 |
| Net loans and leases to core deposits | 90.4706% | 1,108 |
| Total domestic deposits to total assets | 86.2572% | 2,647 |
| Equity capital to assets | 11.5211% | 1,618 |
| Core capital (leverage) ratio | 8.3155% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4156% | 3,050 |
| Memoranda: | ||
| Average total assets | $1,597,169,333 | 651 |
| Average earning assets | $1,463,520,000 | 652 |
| Average equity | $183,906,000 | 590 |
| Average total loans | $1,114,223,333 | 606 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6996% | 4,478 |
| Cost of funding earning assets | 0.2860% | 3,137 |
| Net interest margin | 2.4136% | 4,402 |
| Noninterest income to average assets | 0.2683% | 3,793 |
| Noninterest expense to average assets | 1.4563% | 4,693 |
| Loan and lease loss provision to assets | -0.3970% | 4,895 |
| Net operating income to assets | 1.0821% | 2,535 |
| Return on assets (ROA) | 1.0787% | 2,626 |
| Pretax return on assets | 1.4259% | 2,206 |
| Return on Equity (ROE) | 9.3713% | 2,900 |
| Retained earnings to average equity (ytd only) | 9.3713% | 1,834 |
| Net charge-offs to loans | 0.0684% | 862 |
| Credit loss provision to net charge-offs | -389.9471% | 3,113 |
| Earnings coverage of net charge-offs (x) | 21.6190% | 1,222 |
| Efficiency ratio | 58.3342% | 3,256 |
| Assets per employee ($millions) | 18.9395% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 4,677 |
| Loan loss allowance to noncurrent loans | 156.2697% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 2,489 |
| Noncurrent loans to loans | 0.3905% | 2,699 |
| Net loans and leases to total assets | 70.9445% | 1,164 |
| Net loans and leases to deposits | 82.5038% | 1,300 |
| Net loans and leases to core deposits | 93.2762% | 1,026 |
| Total domestic deposits to total assets | 85.9893% | 2,739 |
| Equity capital to assets | 11.5819% | 1,492 |
| Core capital (leverage) ratio | 8.3192% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2440% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,581,849,000 | 647 |
| Average earning assets | $1,455,780,000 | 648 |
| Average equity | $182,088,500 | 588 |
| Average total loans | $1,105,898,500 | 612 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1985% | 4,454 |
| Cost of funding earning assets | 0.5320% | 2,735 |
| Net interest margin | 2.6665% | 4,425 |
| Noninterest income to average assets | 0.3068% | 3,644 |
| Noninterest expense to average assets | 1.6242% | 4,686 |
| Loan and lease loss provision to assets | 0.3028% | 1,243 |
| Net operating income to assets | 0.6074% | 3,731 |
| Return on assets (ROA) | 0.6104% | 3,834 |
| Pretax return on assets | 0.8081% | 3,612 |
| Return on Equity (ROE) | 5.0568% | 3,889 |
| Retained earnings to average equity (ytd only) | 1.0894% | 4,197 |
| Net charge-offs to loans | 0.3345% | 528 |
| Credit loss provision to net charge-offs | 127.4036% | 2,571 |
| Earnings coverage of net charge-offs (x) | 4.6575% | 2,956 |
| Efficiency ratio | 59.2876% | 3,554 |
| Assets per employee ($millions) | 18.0780% | 112 |
| Cash dividends to net income (ytd only)* | 78.4577% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 4,543 |
| Loan loss allowance to noncurrent loans | 168.5984% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 2,594 |
| Noncurrent loans to loans | 0.4329% | 2,677 |
| Net loans and leases to total assets | 67.9272% | 1,835 |
| Net loans and leases to deposits | 80.4056% | 1,816 |
| Net loans and leases to core deposits | 90.5389% | 1,487 |
| Total domestic deposits to total assets | 84.4806% | 2,951 |
| Equity capital to assets | 11.4395% | 1,927 |
| Core capital (leverage) ratio | 8.1470% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5618% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,461,563,200 | 627 |
| Average earning assets | $1,328,880,800 | 635 |
| Average equity | $176,435,200 | 576 |
| Average total loans | $1,038,514,600 | 614 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 4,426 |
| Cost of funding earning assets | 0.5981% | 2,626 |
| Net interest margin | 2.7424% | 4,409 |
| Noninterest income to average assets | 0.3242% | 3,547 |
| Noninterest expense to average assets | 1.6330% | 4,701 |
| Loan and lease loss provision to assets | 0.4255% | 788 |
| Net operating income to assets | 0.5601% | 3,880 |
| Return on assets (ROA) | 0.5645% | 3,962 |
| Pretax return on assets | 0.7548% | 3,765 |
| Return on Equity (ROE) | 4.6098% | 3,998 |
| Retained earnings to average equity (ytd only) | -0.7063% | 4,581 |
| Net charge-offs to loans | 0.4504% | 342 |
| Credit loss provision to net charge-offs | 131.6456% | 2,439 |
| Earnings coverage of net charge-offs (x) | 3.6346% | 2,898 |
| Efficiency ratio | 57.9718% | 3,667 |
| Assets per employee ($millions) | 17.2852% | 115 |
| Cash dividends to net income (ytd only)* | 115.3213% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 4,516 |
| Loan loss allowance to noncurrent loans | 98.4621% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 2,118 |
| Noncurrent loans to loans | 0.7459% | 1,939 |
| Net loans and leases to total assets | 70.3112% | 1,905 |
| Net loans and leases to deposits | 81.7209% | 2,126 |
| Net loans and leases to core deposits | 92.7353% | 1,736 |
| Total domestic deposits to total assets | 86.0383% | 2,051 |
| Equity capital to assets | 11.4930% | 2,012 |
| Core capital (leverage) ratio | 8.1591% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3531% | 3,057 |
| Memoranda: | ||
| Average total assets | $1,433,758,500 | 624 |
| Average earning assets | $1,298,494,000 | 633 |
| Average equity | $175,564,500 | 567 |
| Average total loans | $1,029,093,000 | 615 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 4,345 |
| Cost of funding earning assets | 0.6927% | 2,431 |
| Net interest margin | 2.8616% | 4,368 |
| Noninterest income to average assets | 0.3619% | 3,317 |
| Noninterest expense to average assets | 1.7422% | 4,642 |
| Loan and lease loss provision to assets | 0.5087% | 687 |
| Net operating income to assets | 0.5172% | 3,965 |
| Return on assets (ROA) | 0.5238% | 4,033 |
| Pretax return on assets | 0.6987% | 3,873 |
| Return on Equity (ROE) | 4.1838% | 4,055 |
| Retained earnings to average equity (ytd only) | -3.8093% | 4,714 |
| Net charge-offs to loans | 0.3770% | 421 |
| Credit loss provision to net charge-offs | 187.0662% | 1,971 |
| Earnings coverage of net charge-offs (x) | 4.4090% | 2,603 |
| Efficiency ratio | 59.0463% | 3,546 |
| Assets per employee ($millions) | 17.5414% | 110 |
| Cash dividends to net income (ytd only)* | 191.0480% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,296 |
| Loan loss allowance to noncurrent loans | 72.7582% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 1,608 |
| Noncurrent loans to loans | 1.1247% | 1,399 |
| Net loans and leases to total assets | 67.9847% | 2,354 |
| Net loans and leases to deposits | 79.0794% | 2,532 |
| Net loans and leases to core deposits | 89.3142% | 2,129 |
| Total domestic deposits to total assets | 85.9701% | 2,021 |
| Equity capital to assets | 11.4475% | 2,005 |
| Core capital (leverage) ratio | 8.4899% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5661% | 3,072 |
| Memoranda: | ||
| Average total assets | $1,398,884,667 | 621 |
| Average earning assets | $1,260,916,333 | 639 |
| Average equity | $175,150,667 | 560 |
| Average total loans | $1,008,905,000 | 619 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 4,148 |
| Cost of funding earning assets | 0.8448% | 2,139 |
| Net interest margin | 2.9978% | 4,284 |
| Noninterest income to average assets | 0.5548% | 2,256 |
| Noninterest expense to average assets | 1.7492% | 4,724 |
| Loan and lease loss provision to assets | 0.0791% | 2,723 |
| Net operating income to assets | 1.0432% | 2,027 |
| Return on assets (ROA) | 1.0551% | 2,085 |
| Pretax return on assets | 1.4127% | 1,521 |
| Return on Equity (ROE) | 8.0330% | 2,509 |
| Retained earnings to average equity (ytd only) | -7.9327% | 4,687 |
| Net charge-offs to loans | 0.0246% | 1,872 |
| Credit loss provision to net charge-offs | 432.7869% | 956 |
| Earnings coverage of net charge-offs (x) | 80.8197% | 667 |
| Efficiency ratio | 54.0347% | 4,393 |
| Assets per employee ($millions) | 14.8020% | 134 |
| Cash dividends to net income (ytd only)* | 198.7507% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 4,596 |
| Loan loss allowance to noncurrent loans | 61.5345% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 1,534 |
| Noncurrent loans to loans | 1.1511% | 1,442 |
| Net loans and leases to total assets | 74.7752% | 1,495 |
| Net loans and leases to deposits | 88.6774% | 1,676 |
| Net loans and leases to core deposits | 97.3501% | 1,695 |
| Total domestic deposits to total assets | 84.3227% | 2,661 |
| Equity capital to assets | 13.0962% | 1,381 |
| Core capital (leverage) ratio | 9.2349% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3203% | 3,270 |
| Memoranda: | ||
| Average total assets | $1,335,275,500 | 625 |
| Average earning assets | $1,189,819,000 | 645 |
| Average equity | $175,376,000 | 557 |
| Average total loans | $990,319,500 | 602 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 3,577 |
| Cost of funding earning assets | 0.9615% | 1,897 |
| Net interest margin | 3.3233% | 3,935 |
| Noninterest income to average assets | 0.3551% | 3,579 |
| Noninterest expense to average assets | 1.7668% | 4,803 |
| Loan and lease loss provision to assets | 0.3534% | 429 |
| Net operating income to assets | 0.8887% | 3,256 |
| Return on assets (ROA) | 0.8951% | 3,309 |
| Pretax return on assets | 1.1804% | 2,907 |
| Return on Equity (ROE) | 6.7302% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.1390% | 1,801 |
| Net charge-offs to loans | 0.1632% | 1,231 |
| Credit loss provision to net charge-offs | 295.6579% | 948 |
| Earnings coverage of net charge-offs (x) | 12.7645% | 2,397 |
| Efficiency ratio | 53.4570% | 4,478 |
| Assets per employee ($millions) | 14.8708% | 122 |
| Cash dividends to net income (ytd only)* | 8.7843% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 4,482 |
| Loan loss allowance to noncurrent loans | 68.5187% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 1,528 |
| Noncurrent loans to loans | 1.0809% | 1,399 |
| Net loans and leases to total assets | 72.4877% | 2,012 |
| Net loans and leases to deposits | 87.6484% | 1,888 |
| Net loans and leases to core deposits | 95.4498% | 1,942 |
| Total domestic deposits to total assets | 82.7027% | 3,304 |
| Equity capital to assets | 13.1718% | 1,428 |
| Core capital (leverage) ratio | 9.4914% | 4,075 |
| Tier 1 risk-based capital ratio | 10.8491% | 4,908 |
| Total risk-based capital ratio | 11.5072% | 5,021 |
| Memoranda: | ||
| Average total assets | $1,271,765,200 | 626 |
| Average earning assets | $1,124,023,800 | 645 |
| Average equity | $169,147,200 | 544 |
| Average total loans | $931,634,200 | 616 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 3,469 |
| Cost of funding earning assets | 0.9598% | 1,937 |
| Net interest margin | 3.4032% | 3,861 |
| Noninterest income to average assets | 0.3354% | 3,730 |
| Noninterest expense to average assets | 1.7722% | 4,854 |
| Loan and lease loss provision to assets | 0.4615% | 267 |
| Net operating income to assets | 0.8345% | 3,564 |
| Return on assets (ROA) | 0.8437% | 3,621 |
| Pretax return on assets | 1.1111% | 3,263 |
| Return on Equity (ROE) | 6.3270% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.5304% | 2,614 |
| Net charge-offs to loans | 0.2115% | 837 |
| Credit loss provision to net charge-offs | 297.5342% | 956 |
| Earnings coverage of net charge-offs (x) | 10.0644% | 2,527 |
| Efficiency ratio | 52.9560% | 4,510 |
| Assets per employee ($millions) | 14.6780% | 132 |
| Cash dividends to net income (ytd only)* | 12.5913% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,546 |
| Loan loss allowance to noncurrent loans | 80.5634% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 1,889 |
| Noncurrent loans to loans | 0.9312% | 1,724 |
| Net loans and leases to total assets | 71.6070% | 2,239 |
| Net loans and leases to deposits | 84.8085% | 2,342 |
| Net loans and leases to core deposits | 92.2987% | 2,336 |
| Total domestic deposits to total assets | 84.4337% | 2,654 |
| Equity capital to assets | 13.0876% | 1,575 |
| Core capital (leverage) ratio | 9.4120% | 4,270 |
| Tier 1 risk-based capital ratio | 10.9858% | 4,910 |
| Total risk-based capital ratio | 11.6640% | 5,028 |
| Memoranda: | ||
| Average total assets | $1,255,113,000 | 632 |
| Average earning assets | $1,105,613,250 | 659 |
| Average equity | $167,362,000 | 548 |
| Average total loans | $920,194,000 | 625 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 3,231 |
| Cost of funding earning assets | 0.9358% | 1,978 |
| Net interest margin | 3.4981% | 3,603 |
| Noninterest income to average assets | 0.3390% | 3,666 |
| Noninterest expense to average assets | 1.8324% | 4,838 |
| Loan and lease loss provision to assets | 0.6286% | 174 |
| Net operating income to assets | 0.7180% | 3,942 |
| Return on assets (ROA) | 0.7269% | 3,970 |
| Pretax return on assets | 0.9514% | 3,708 |
| Return on Equity (ROE) | 5.4157% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.2074% | 3,145 |
| Net charge-offs to loans | 0.1348% | 1,121 |
| Credit loss provision to net charge-offs | 632.3002% | 503 |
| Earnings coverage of net charge-offs (x) | 15.7781% | 1,968 |
| Efficiency ratio | 53.6576% | 4,509 |
| Assets per employee ($millions) | 13.6055% | 140 |
| Cash dividends to net income (ytd only)* | 22.3115% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,455 |
| Loan loss allowance to noncurrent loans | 69.8914% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 1,591 |
| Noncurrent loans to loans | 1.1394% | 1,426 |
| Net loans and leases to total assets | 74.1190% | 1,867 |
| Net loans and leases to deposits | 88.0796% | 2,002 |
| Net loans and leases to core deposits | 96.8963% | 1,989 |
| Total domestic deposits to total assets | 84.1501% | 2,800 |
| Equity capital to assets | 13.3354% | 1,417 |
| Core capital (leverage) ratio | 9.5861% | 4,055 |
| Tier 1 risk-based capital ratio | 10.6298% | 5,061 |
| Total risk-based capital ratio | 11.3421% | 5,152 |
| Memoranda: | ||
| Average total assets | $1,233,143,330 | 643 |
| Average earning assets | $1,079,454,000 | 674 |
| Average equity | $165,519,330 | 552 |
| Average total loans | $909,227,330 | 634 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 3,017 |
| Cost of funding earning assets | 0.9286% | 1,886 |
| Net interest margin | 3.5306% | 3,498 |
| Noninterest income to average assets | 0.3760% | 3,343 |
| Noninterest expense to average assets | 1.9062% | 4,790 |
| Loan and lease loss provision to assets | 0.0417% | 2,796 |
| Net operating income to assets | 1.1488% | 2,278 |
| Return on assets (ROA) | 1.1506% | 2,312 |
| Pretax return on assets | 1.5118% | 1,723 |
| Return on Equity (ROE) | 8.5436% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.5436% | 1,473 |
| Net charge-offs to loans | 0.1935% | 721 |
| Credit loss provision to net charge-offs | 29.4664% | 2,091 |
| Earnings coverage of net charge-offs (x) | 10.9513% | 1,935 |
| Efficiency ratio | 54.9144% | 4,445 |
| Assets per employee ($millions) | 13.5148% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4460% | 5,132 |
| Loan loss allowance to noncurrent loans | 98.7052% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,131 |
| Noncurrent loans to loans | 0.4518% | 2,963 |
| Net loans and leases to total assets | 72.7515% | 2,035 |
| Net loans and leases to deposits | 86.8663% | 2,016 |
| Net loans and leases to core deposits | 96.2305% | 1,910 |
| Total domestic deposits to total assets | 83.7511% | 3,130 |
| Equity capital to assets | 13.6673% | 1,145 |
| Core capital (leverage) ratio | 9.4947% | 4,135 |
| Tier 1 risk-based capital ratio | 10.9548% | 5,000 |
| Total risk-based capital ratio | 11.3495% | 5,216 |
| Memoranda: | ||
| Average total assets | $1,217,060,000 | 656 |
| Average earning assets | $1,062,265,500 | 684 |
| Average equity | $163,912,000 | 555 |
| Average total loans | $891,159,500 | 650 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,871 |
| Cost of funding earning assets | 0.7000% | 2,093 |
| Net interest margin | 3.3589% | 4,109 |
| Noninterest income to average assets | 0.3602% | 3,684 |
| Noninterest expense to average assets | 1.8916% | 4,906 |
| Loan and lease loss provision to assets | 0.1632% | 1,243 |
| Net operating income to assets | 0.9993% | 3,013 |
| Return on assets (ROA) | 0.9982% | 3,008 |
| Pretax return on assets | 1.2963% | 2,512 |
| Return on Equity (ROE) | 7.4158% | 3,687 |
| Retained earnings to average equity (ytd only) | 7.4158% | 1,499 |
| Net charge-offs to loans | 0.1529% | 1,253 |
| Credit loss provision to net charge-offs | 143.3790% | 1,897 |
| Earnings coverage of net charge-offs (x) | 12.8326% | 2,499 |
| Efficiency ratio | 56.1597% | 4,386 |
| Assets per employee ($millions) | 13.5309% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 5,143 |
| Loan loss allowance to noncurrent loans | 129.0596% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,250 |
| Noncurrent loans to loans | 0.3701% | 3,213 |
| Net loans and leases to total assets | 73.0166% | 2,093 |
| Net loans and leases to deposits | 86.4077% | 2,227 |
| Net loans and leases to core deposits | 97.5598% | 1,901 |
| Total domestic deposits to total assets | 84.5024% | 2,833 |
| Equity capital to assets | 13.2687% | 1,225 |
| Core capital (leverage) ratio | 9.2335% | 4,414 |
| Tier 1 risk-based capital ratio | 10.6537% | 5,124 |
| Total risk-based capital ratio | 11.0805% | 5,299 |
| Memoranda: | ||
| Average total assets | $1,154,181,000 | 665 |
| Average earning assets | $1,028,256,600 | 686 |
| Average equity | $155,357,200 | 556 |
| Average total loans | $859,244,600 | 650 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 4,144 |
| Cost of funding earning assets | 0.6349% | 2,244 |
| Net interest margin | 3.2917% | 4,301 |
| Noninterest income to average assets | 0.3639% | 3,700 |
| Noninterest expense to average assets | 1.8553% | 4,967 |
| Loan and lease loss provision to assets | 0.1909% | 928 |
| Net operating income to assets | 0.9635% | 3,251 |
| Return on assets (ROA) | 0.9607% | 3,278 |
| Pretax return on assets | 1.2600% | 2,771 |
| Return on Equity (ROE) | 7.1103% | 3,894 |
| Retained earnings to average equity (ytd only) | 7.1103% | 2,074 |
| Net charge-offs to loans | 0.1851% | 906 |
| Credit loss provision to net charge-offs | 138.0186% | 1,825 |
| Earnings coverage of net charge-offs (x) | 10.5140% | 2,582 |
| Efficiency ratio | 55.7793% | 4,410 |
| Assets per employee ($millions) | 13.4478% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4790% | 5,213 |
| Loan loss allowance to noncurrent loans | 153.8689% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 3,304 |
| Noncurrent loans to loans | 0.3113% | 3,555 |
| Net loans and leases to total assets | 71.3471% | 2,436 |
| Net loans and leases to deposits | 84.2966% | 2,567 |
| Net loans and leases to core deposits | 98.0075% | 1,930 |
| Total domestic deposits to total assets | 84.6382% | 2,744 |
| Equity capital to assets | 12.9925% | 1,345 |
| Core capital (leverage) ratio | 9.2415% | 4,470 |
| Tier 1 risk-based capital ratio | 10.6893% | 5,177 |
| Total risk-based capital ratio | 11.5319% | 5,230 |
| Memoranda: | ||
| Average total assets | $1,138,280,000 | 674 |
| Average earning assets | $1,018,653,750 | 691 |
| Average equity | $153,800,500 | 552 |
| Average total loans | $850,692,500 | 653 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 4,227 |
| Cost of funding earning assets | 0.5639% | 2,482 |
| Net interest margin | 3.2824% | 4,301 |
| Noninterest income to average assets | 0.3733% | 3,659 |
| Noninterest expense to average assets | 1.8782% | 4,989 |
| Loan and lease loss provision to assets | 0.1937% | 891 |
| Net operating income to assets | 0.9407% | 3,269 |
| Return on assets (ROA) | 0.9375% | 3,298 |
| Pretax return on assets | 1.2290% | 2,829 |
| Return on Equity (ROE) | 6.8430% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.8430% | 2,146 |
| Net charge-offs to loans | 0.1794% | 878 |
| Credit loss provision to net charge-offs | 142.3483% | 1,628 |
| Earnings coverage of net charge-offs (x) | 10.4868% | 2,326 |
| Efficiency ratio | 56.5361% | 4,411 |
| Assets per employee ($millions) | 12.5172% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4597% | 5,311 |
| Loan loss allowance to noncurrent loans | 119.3902% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 3,122 |
| Noncurrent loans to loans | 0.3850% | 3,318 |
| Net loans and leases to total assets | 75.8389% | 1,661 |
| Net loans and leases to deposits | 90.1611% | 1,817 |
| Net loans and leases to core deposits | 107.5725% | 1,147 |
| Total domestic deposits to total assets | 84.1149% | 3,020 |
| Equity capital to assets | 13.4407% | 1,124 |
| Core capital (leverage) ratio | 9.4773% | 4,139 |
| Tier 1 risk-based capital ratio | 10.2753% | 5,348 |
| Total risk-based capital ratio | 11.0974% | 5,409 |
| Memoranda: | ||
| Average total assets | $1,114,273,000 | 689 |
| Average earning assets | $995,179,000 | 707 |
| Average equity | $152,651,330 | 554 |
| Average total loans | $845,033,000 | 653 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,230 |
| Cost of funding earning assets | 0.5202% | 2,636 |
| Net interest margin | 3.2757% | 4,250 |
| Noninterest income to average assets | 0.4158% | 3,347 |
| Noninterest expense to average assets | 1.9171% | 4,999 |
| Loan and lease loss provision to assets | 0.2161% | 737 |
| Net operating income to assets | 0.9214% | 3,197 |
| Return on assets (ROA) | 0.9171% | 3,233 |
| Pretax return on assets | 1.1993% | 2,748 |
| Return on Equity (ROE) | 6.6286% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.6286% | 2,444 |
| Net charge-offs to loans | 0.0893% | 1,269 |
| Credit loss provision to net charge-offs | 320.0000% | 782 |
| Earnings coverage of net charge-offs (x) | 21.0378% | 1,442 |
| Efficiency ratio | 57.1366% | 4,447 |
| Assets per employee ($millions) | 11.9029% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4971% | 5,334 |
| Loan loss allowance to noncurrent loans | 105.3357% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 3,161 |
| Noncurrent loans to loans | 0.4720% | 3,112 |
| Net loans and leases to total assets | 74.6013% | 1,775 |
| Net loans and leases to deposits | 90.7505% | 1,597 |
| Net loans and leases to core deposits | 106.4462% | 1,204 |
| Total domestic deposits to total assets | 82.2049% | 3,898 |
| Equity capital to assets | 13.7636% | 961 |
| Core capital (leverage) ratio | 9.4209% | 4,158 |
| Tier 1 risk-based capital ratio | 10.4482% | 5,365 |
| Total risk-based capital ratio | 11.3175% | 5,421 |
| Memoranda: | ||
| Average total assets | $1,095,618,000 | 699 |
| Average earning assets | $977,393,000 | 727 |
| Average equity | $151,586,500 | 559 |
| Average total loans | $828,859,000 | 666 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 4,301 |
| Cost of funding earning assets | 0.4433% | 2,843 |
| Net interest margin | 3.2718% | 4,243 |
| Noninterest income to average assets | 0.3814% | 3,753 |
| Noninterest expense to average assets | 1.9026% | 5,111 |
| Loan and lease loss provision to assets | 0.0891% | 2,408 |
| Net operating income to assets | 0.9032% | 2,694 |
| Return on assets (ROA) | 0.9036% | 2,720 |
| Pretax return on assets | 1.2877% | 2,404 |
| Return on Equity (ROE) | 6.5932% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.5932% | 1,238 |
| Net charge-offs to loans | 0.0977% | 2,104 |
| Credit loss provision to net charge-offs | 121.1268% | 2,157 |
| Earnings coverage of net charge-offs (x) | 18.7081% | 2,065 |
| Efficiency ratio | 57.6903% | 4,565 |
| Assets per employee ($millions) | 11.7855% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4493% | 5,447 |
| Loan loss allowance to noncurrent loans | 90.0484% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,072 |
| Noncurrent loans to loans | 0.4989% | 3,030 |
| Net loans and leases to total assets | 76.0015% | 1,594 |
| Net loans and leases to deposits | 90.9493% | 1,658 |
| Net loans and leases to core deposits | 107.5382% | 1,173 |
| Total domestic deposits to total assets | 83.5647% | 3,371 |
| Equity capital to assets | 13.9093% | 939 |
| Core capital (leverage) ratio | 9.2412% | 4,355 |
| Tier 1 risk-based capital ratio | 10.3245% | 5,440 |
| Total risk-based capital ratio | 11.4324% | 5,403 |
| Memoranda: | ||
| Average total assets | $1,061,663,200 | 697 |
| Average earning assets | $940,187,800 | 720 |
| Average equity | $145,498,800 | 553 |
| Average total loans | $799,066,400 | 655 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,377 |
| Cost of funding earning assets | 0.4251% | 2,923 |
| Net interest margin | 3.2522% | 4,318 |
| Noninterest income to average assets | 0.3848% | 3,783 |
| Noninterest expense to average assets | 1.8913% | 5,144 |
| Loan and lease loss provision to assets | 0.0826% | 2,438 |
| Net operating income to assets | 0.8366% | 3,347 |
| Return on assets (ROA) | 0.8371% | 3,389 |
| Pretax return on assets | 1.2871% | 2,560 |
| Return on Equity (ROE) | 6.1315% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.1315% | 2,150 |
| Net charge-offs to loans | 0.0950% | 1,844 |
| Credit loss provision to net charge-offs | 115.9574% | 2,063 |
| Earnings coverage of net charge-offs (x) | 19.2234% | 2,012 |
| Efficiency ratio | 57.6640% | 4,546 |
| Assets per employee ($millions) | 11.7737% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 5,523 |
| Loan loss allowance to noncurrent loans | 112.0172% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,460 |
| Noncurrent loans to loans | 0.3996% | 3,517 |
| Net loans and leases to total assets | 75.0307% | 1,760 |
| Net loans and leases to deposits | 89.6117% | 1,854 |
| Net loans and leases to core deposits | 105.6342% | 1,296 |
| Total domestic deposits to total assets | 83.7288% | 3,221 |
| Equity capital to assets | 13.6446% | 1,100 |
| Core capital (leverage) ratio | 8.9837% | 4,761 |
| Tier 1 risk-based capital ratio | 10.1381% | 5,565 |
| Total risk-based capital ratio | 11.2501% | 5,560 |
| Memoranda: | ||
| Average total assets | $1,056,012,000 | 704 |
| Average earning assets | $933,662,500 | 729 |
| Average equity | $144,170,000 | 565 |
| Average total loans | $791,888,250 | 663 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 4,581 |
| Cost of funding earning assets | 0.3907% | 3,168 |
| Net interest margin | 3.1828% | 4,470 |
| Noninterest income to average assets | 0.4027% | 3,675 |
| Noninterest expense to average assets | 1.8761% | 5,220 |
| Loan and lease loss provision to assets | 0.1112% | 1,840 |
| Net operating income to assets | 0.8086% | 3,358 |
| Return on assets (ROA) | 0.8090% | 3,413 |
| Pretax return on assets | 1.2314% | 2,653 |
| Return on Equity (ROE) | 5.9247% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.9247% | 2,162 |
| Net charge-offs to loans | 0.1330% | 1,363 |
| Credit loss provision to net charge-offs | 111.7083% | 1,865 |
| Earnings coverage of net charge-offs (x) | 13.4837% | 2,129 |
| Efficiency ratio | 57.9307% | 4,599 |
| Assets per employee ($millions) | 11.2304% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4466% | 5,569 |
| Loan loss allowance to noncurrent loans | 185.6851% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,106 |
| Noncurrent loans to loans | 0.2405% | 4,168 |
| Net loans and leases to total assets | 74.3263% | 1,806 |
| Net loans and leases to deposits | 88.5249% | 1,924 |
| Net loans and leases to core deposits | 107.5732% | 1,127 |
| Total domestic deposits to total assets | 83.9608% | 3,212 |
| Equity capital to assets | 13.3415% | 1,208 |
| Core capital (leverage) ratio | 9.0138% | 4,708 |
| Tier 1 risk-based capital ratio | 9.9862% | 5,632 |
| Total risk-based capital ratio | 11.1084% | 5,629 |
| Memoranda: | ||
| Average total assets | $1,046,957,330 | 711 |
| Average earning assets | $926,093,000 | 739 |
| Average equity | $142,961,670 | 569 |
| Average total loans | $783,728,000 | 672 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 4,605 |
| Cost of funding earning assets | 0.3618% | 3,390 |
| Net interest margin | 3.1694% | 4,439 |
| Noninterest income to average assets | 0.3506% | 4,036 |
| Noninterest expense to average assets | 1.8917% | 5,253 |
| Loan and lease loss provision to assets | 0.0710% | 2,387 |
| Net operating income to assets | 0.7986% | 3,227 |
| Return on assets (ROA) | 0.7986% | 3,280 |
| Pretax return on assets | 1.1929% | 2,623 |
| Return on Equity (ROE) | 5.7782% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.7782% | 2,452 |
| Net charge-offs to loans | 0.0827% | 1,517 |
| Credit loss provision to net charge-offs | 114.4654% | 1,444 |
| Earnings coverage of net charge-offs (x) | 20.3836% | 1,483 |
| Efficiency ratio | 59.5650% | 4,517 |
| Assets per employee ($millions) | 10.5361% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4630% | 5,629 |
| Loan loss allowance to noncurrent loans | 112.1382% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 3,429 |
| Noncurrent loans to loans | 0.4129% | 3,613 |
| Net loans and leases to total assets | 75.0202% | 1,573 |
| Net loans and leases to deposits | 89.9446% | 1,541 |
| Net loans and leases to core deposits | 106.8177% | 1,043 |
| Total domestic deposits to total assets | 83.4072% | 3,699 |
| Equity capital to assets | 13.8357% | 956 |
| Core capital (leverage) ratio | 9.1468% | 4,547 |
| Tier 1 risk-based capital ratio | 10.1605% | 5,663 |
| Total risk-based capital ratio | 11.3285% | 5,634 |
| Memoranda: | ||
| Average total assets | $1,025,762,500 | 735 |
| Average earning assets | $907,804,500 | 760 |
| Average equity | $141,775,000 | 569 |
| Average total loans | $768,940,500 | 686 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 4,821 |
| Cost of funding earning assets | 0.3672% | 3,340 |
| Net interest margin | 3.1170% | 4,679 |
| Noninterest income to average assets | 0.4243% | 3,718 |
| Noninterest expense to average assets | 1.9212% | 5,331 |
| Loan and lease loss provision to assets | 0.1264% | 1,965 |
| Net operating income to assets | 0.6869% | 3,838 |
| Return on assets (ROA) | 0.7245% | 3,784 |
| Pretax return on assets | 1.1028% | 3,094 |
| Return on Equity (ROE) | 5.4191% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.4191% | 2,065 |
| Net charge-offs to loans | 0.1085% | 2,186 |
| Credit loss provision to net charge-offs | 160.0742% | 1,721 |
| Earnings coverage of net charge-offs (x) | 14.8443% | 2,259 |
| Efficiency ratio | 61.6875% | 4,312 |
| Assets per employee ($millions) | 9.9901% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 5,682 |
| Loan loss allowance to noncurrent loans | 89.6146% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 3,286 |
| Noncurrent loans to loans | 0.5260% | 3,276 |
| Net loans and leases to total assets | 74.1996% | 1,819 |
| Net loans and leases to deposits | 88.0303% | 1,922 |
| Net loans and leases to core deposits | 105.4299% | 1,168 |
| Total domestic deposits to total assets | 84.2887% | 3,325 |
| Equity capital to assets | 13.8069% | 954 |
| Core capital (leverage) ratio | 8.7056% | 5,068 |
| Tier 1 risk-based capital ratio | 10.1428% | 5,702 |
| Total risk-based capital ratio | 11.4510% | 5,634 |
| Memoranda: | ||
| Average total assets | $1,024,499,000 | 703 |
| Average earning assets | $877,283,000 | 743 |
| Average equity | $136,979,600 | 578 |
| Average total loans | $745,481,000 | 668 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 4,785 |
| Cost of funding earning assets | 0.3633% | 3,405 |
| Net interest margin | 3.1439% | 4,662 |
| Noninterest income to average assets | 0.4011% | 3,915 |
| Noninterest expense to average assets | 1.9179% | 5,350 |
| Loan and lease loss provision to assets | 0.1628% | 1,414 |
| Net operating income to assets | 0.6532% | 4,068 |
| Return on assets (ROA) | 0.6905% | 4,037 |
| Pretax return on assets | 1.0483% | 3,433 |
| Return on Equity (ROE) | 5.2067% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.2067% | 2,692 |
| Net charge-offs to loans | 0.0464% | 2,719 |
| Credit loss provision to net charge-offs | 485.6589% | 726 |
| Earnings coverage of net charge-offs (x) | 34.4343% | 1,362 |
| Efficiency ratio | 61.9898% | 4,235 |
| Assets per employee ($millions) | 10.3950% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5331% | 5,695 |
| Loan loss allowance to noncurrent loans | 104.5084% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 3,567 |
| Noncurrent loans to loans | 0.5101% | 3,471 |
| Net loans and leases to total assets | 72.9191% | 2,032 |
| Net loans and leases to deposits | 88.3477% | 1,973 |
| Net loans and leases to core deposits | 106.8093% | 1,126 |
| Total domestic deposits to total assets | 82.5365% | 3,765 |
| Equity capital to assets | 13.3365% | 1,326 |
| Core capital (leverage) ratio | 8.5325% | 5,332 |
| Tier 1 risk-based capital ratio | 9.6727% | 5,858 |
| Total risk-based capital ratio | 11.2427% | 5,754 |
| Memoranda: | ||
| Average total assets | $1,025,876,500 | 701 |
| Average earning assets | $871,713,500 | 754 |
| Average equity | $136,051,750 | 583 |
| Average total loans | $741,934,500 | 675 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 4,706 |
| Cost of funding earning assets | 0.3617% | 3,434 |
| Net interest margin | 3.1996% | 4,541 |
| Noninterest income to average assets | 0.5115% | 3,113 |
| Noninterest expense to average assets | 1.9352% | 5,396 |
| Loan and lease loss provision to assets | 0.0599% | 2,941 |
| Net operating income to assets | 0.7804% | 3,401 |
| Return on assets (ROA) | 0.7895% | 3,503 |
| Pretax return on assets | 1.2139% | 2,732 |
| Return on Equity (ROE) | 5.9646% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9646% | 2,132 |
| Net charge-offs to loans | 0.0382% | 2,693 |
| Credit loss provision to net charge-offs | 217.8571% | 1,227 |
| Earnings coverage of net charge-offs (x) | 45.8000% | 1,056 |
| Efficiency ratio | 60.1378% | 4,622 |
| Assets per employee ($millions) | 9.8819% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4277% | 5,862 |
| Loan loss allowance to noncurrent loans | 101.6729% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 4,159 |
| Noncurrent loans to loans | 0.4206% | 3,844 |
| Net loans and leases to total assets | 74.3550% | 1,764 |
| Net loans and leases to deposits | 91.5075% | 1,574 |
| Net loans and leases to core deposits | 110.7659% | 890 |
| Total domestic deposits to total assets | 81.2557% | 4,202 |
| Equity capital to assets | 13.4984% | 1,239 |
| Core capital (leverage) ratio | 8.7511% | 5,106 |
| Tier 1 risk-based capital ratio | 9.6658% | 5,921 |
| Total risk-based capital ratio | 11.1886% | 5,819 |
| Memoranda: | ||
| Average total assets | $1,017,869,000 | 708 |
| Average earning assets | $853,720,000 | 769 |
| Average equity | $134,729,000 | 590 |
| Average total loans | $732,686,000 | 681 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 4,785 |
| Cost of funding earning assets | 0.3564% | 3,539 |
| Net interest margin | 3.1838% | 4,630 |
| Noninterest income to average assets | 0.4818% | 3,242 |
| Noninterest expense to average assets | 1.9330% | 5,474 |
| Loan and lease loss provision to assets | 0.0604% | 2,738 |
| Net operating income to assets | 0.7682% | 3,405 |
| Return on assets (ROA) | 0.7724% | 3,489 |
| Pretax return on assets | 1.1756% | 2,798 |
| Return on Equity (ROE) | 5.8946% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,424 |
| Net charge-offs to loans | 0.0179% | 2,576 |
| Credit loss provision to net charge-offs | 478.1250% | 632 |
| Earnings coverage of net charge-offs (x) | 97.3125% | 550 |
| Efficiency ratio | 60.6817% | 4,652 |
| Assets per employee ($millions) | 9.1653% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4557% | 5,905 |
| Loan loss allowance to noncurrent loans | 109.6186% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 4,324 |
| Noncurrent loans to loans | 0.4157% | 3,948 |
| Net loans and leases to total assets | 69.7370% | 2,386 |
| Net loans and leases to deposits | 88.3328% | 1,791 |
| Net loans and leases to core deposits | 105.6671% | 1,094 |
| Total domestic deposits to total assets | 78.9481% | 4,976 |
| Equity capital to assets | 13.2059% | 1,315 |
| Core capital (leverage) ratio | 8.3318% | 5,540 |
| Tier 1 risk-based capital ratio | 9.7778% | 5,959 |
| Total risk-based capital ratio | 11.3846% | 5,812 |
| Memoranda: | ||
| Average total assets | $1,012,946,500 | 710 |
| Average earning assets | $852,944,500 | 778 |
| Average equity | $132,731,000 | 597 |
| Average total loans | $715,309,500 | 698 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 4,704 |
| Cost of funding earning assets | 0.3343% | 3,857 |
| Net interest margin | 3.2533% | 4,463 |
| Noninterest income to average assets | 0.5048% | 3,297 |
| Noninterest expense to average assets | 1.9867% | 5,479 |
| Loan and lease loss provision to assets | 0.1630% | 1,411 |
| Net operating income to assets | 0.7468% | 3,592 |
| Return on assets (ROA) | 0.7513% | 3,660 |
| Pretax return on assets | 1.1451% | 2,862 |
| Return on Equity (ROE) | 5.5251% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.5251% | 2,068 |
| Net charge-offs to loans | 0.1573% | 1,805 |
| Credit loss provision to net charge-offs | 148.3591% | 1,791 |
| Earnings coverage of net charge-offs (x) | 11.8465% | 2,522 |
| Efficiency ratio | 59.9452% | 4,914 |
| Assets per employee ($millions) | 8.6944% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4386% | 5,968 |
| Loan loss allowance to noncurrent loans | 62.9674% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 3,649 |
| Noncurrent loans to loans | 0.6966% | 3,105 |
| Net loans and leases to total assets | 70.8698% | 2,228 |
| Net loans and leases to deposits | 90.8458% | 1,525 |
| Net loans and leases to core deposits | 109.4710% | 890 |
| Total domestic deposits to total assets | 78.0110% | 5,163 |
| Equity capital to assets | 13.0001% | 1,347 |
| Core capital (leverage) ratio | 8.3269% | 5,585 |
| Tier 1 risk-based capital ratio | 9.4670% | 6,051 |
| Total risk-based capital ratio | 11.0585% | 5,960 |
| Memoranda: | ||
| Average total assets | $943,129,200 | 730 |
| Average earning assets | $806,832,600 | 780 |
| Average equity | $128,251,000 | 593 |
| Average total loans | $658,487,000 | 716 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,556 |
| Cost of funding earning assets | 0.3371% | 3,898 |
| Net interest margin | 3.3186% | 4,268 |
| Noninterest income to average assets | 0.5027% | 3,345 |
| Noninterest expense to average assets | 2.0194% | 5,444 |
| Loan and lease loss provision to assets | 0.1443% | 1,522 |
| Net operating income to assets | 0.7526% | 3,669 |
| Return on assets (ROA) | 0.7586% | 3,743 |
| Pretax return on assets | 1.1606% | 2,970 |
| Return on Equity (ROE) | 5.5126% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.5126% | 2,567 |
| Net charge-offs to loans | 0.1471% | 1,661 |
| Credit loss provision to net charge-offs | 141.2676% | 1,760 |
| Earnings coverage of net charge-offs (x) | 12.6845% | 2,386 |
| Efficiency ratio | 60.4218% | 4,828 |
| Assets per employee ($millions) | 8.1004% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4393% | 6,061 |
| Loan loss allowance to noncurrent loans | 100.2693% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 4,451 |
| Noncurrent loans to loans | 0.4381% | 4,036 |
| Net loans and leases to total assets | 70.6304% | 2,294 |
| Net loans and leases to deposits | 85.0968% | 2,269 |
| Net loans and leases to core deposits | 103.9835% | 1,227 |
| Total domestic deposits to total assets | 83.0001% | 3,822 |
| Equity capital to assets | 13.6278% | 1,163 |
| Core capital (leverage) ratio | 8.3611% | 5,664 |
| Tier 1 risk-based capital ratio | 9.6993% | 6,100 |
| Total risk-based capital ratio | 11.3359% | 5,966 |
| Memoranda: | ||
| Average total assets | $926,774,750 | 748 |
| Average earning assets | $785,405,500 | 806 |
| Average equity | $127,535,750 | 603 |
| Average total loans | $643,632,750 | 734 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,364 |
| Cost of funding earning assets | 0.3461% | 3,856 |
| Net interest margin | 3.3697% | 4,016 |
| Noninterest income to average assets | 0.5688% | 2,912 |
| Noninterest expense to average assets | 2.0029% | 5,524 |
| Loan and lease loss provision to assets | 0.2144% | 895 |
| Net operating income to assets | 0.7640% | 3,571 |
| Return on assets (ROA) | 0.7731% | 3,626 |
| Pretax return on assets | 1.1855% | 2,835 |
| Return on Equity (ROE) | 5.5991% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.5991% | 2,468 |
| Net charge-offs to loans | 0.1712% | 1,443 |
| Credit loss provision to net charge-offs | 181.7006% | 1,332 |
| Earnings coverage of net charge-offs (x) | 11.7468% | 2,265 |
| Efficiency ratio | 58.6074% | 5,152 |
| Assets per employee ($millions) | 7.8944% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4783% | 6,106 |
| Loan loss allowance to noncurrent loans | 77.9950% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 4,174 |
| Noncurrent loans to loans | 0.6132% | 3,627 |
| Net loans and leases to total assets | 70.3832% | 2,263 |
| Net loans and leases to deposits | 83.7109% | 2,345 |
| Net loans and leases to core deposits | 97.7380% | 1,668 |
| Total domestic deposits to total assets | 84.0789% | 3,537 |
| Equity capital to assets | 13.6726% | 1,099 |
| Core capital (leverage) ratio | 8.5598% | 5,481 |
| Tier 1 risk-based capital ratio | 9.6701% | 6,168 |
| Total risk-based capital ratio | 11.3647% | 5,998 |
| Memoranda: | ||
| Average total assets | $917,082,000 | 766 |
| Average earning assets | $767,486,670 | 833 |
| Average equity | $126,627,000 | 605 |
| Average total loans | $632,143,000 | 741 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 4,027 |
| Cost of funding earning assets | 0.3797% | 3,528 |
| Net interest margin | 3.4159% | 3,780 |
| Noninterest income to average assets | 0.5122% | 3,210 |
| Noninterest expense to average assets | 2.0364% | 5,507 |
| Loan and lease loss provision to assets | 0.2462% | 678 |
| Net operating income to assets | 0.6782% | 3,902 |
| Return on assets (ROA) | 0.6968% | 3,943 |
| Pretax return on assets | 1.0542% | 3,286 |
| Return on Equity (ROE) | 5.0215% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.0215% | 3,044 |
| Net charge-offs to loans | 0.0653% | 2,089 |
| Credit loss provision to net charge-offs | 554.4554% | 502 |
| Earnings coverage of net charge-offs (x) | 28.6535% | 1,179 |
| Efficiency ratio | 61.0284% | 4,959 |
| Assets per employee ($millions) | 8.0316% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4925% | 6,173 |
| Loan loss allowance to noncurrent loans | 65.3618% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,901 |
| Noncurrent loans to loans | 0.7535% | 3,376 |
| Net loans and leases to total assets | 69.7639% | 2,171 |
| Net loans and leases to deposits | 87.7236% | 1,645 |
| Net loans and leases to core deposits | 106.5803% | 899 |
| Total domestic deposits to total assets | 79.5270% | 5,166 |
| Equity capital to assets | 13.7909% | 1,060 |
| Core capital (leverage) ratio | 8.5018% | 5,516 |
| Tier 1 risk-based capital ratio | 9.6096% | 6,254 |
| Total risk-based capital ratio | 11.2120% | 6,140 |
| Memoranda: | ||
| Average total assets | $909,852,000 | 770 |
| Average earning assets | $744,870,500 | 858 |
| Average equity | $126,257,500 | 606 |
| Average total loans | $618,814,500 | 754 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 4,400 |
| Cost of funding earning assets | 0.4475% | 3,192 |
| Net interest margin | 3.3807% | 4,275 |
| Noninterest income to average assets | 0.4211% | 4,029 |
| Noninterest expense to average assets | 2.0968% | 5,578 |
| Loan and lease loss provision to assets | 0.0142% | 4,328 |
| Net operating income to assets | 0.7705% | 3,516 |
| Return on assets (ROA) | 0.7726% | 3,605 |
| Pretax return on assets | 1.1690% | 2,786 |
| Return on Equity (ROE) | 5.2583% | 4,525 |
| Retained earnings to average equity (ytd only) | 1.9744% | 4,807 |
| Net charge-offs to loans | 0.0968% | 3,119 |
| Credit loss provision to net charge-offs | 21.1849% | 3,964 |
| Earnings coverage of net charge-offs (x) | 17.5619% | 1,918 |
| Efficiency ratio | 61.7854% | 4,940 |
| Assets per employee ($millions) | 7.9298% | 546 |
| Cash dividends to net income (ytd only)* | 62.4512% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4660% | 6,282 |
| Loan loss allowance to noncurrent loans | 106.9623% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 4,867 |
| Noncurrent loans to loans | 0.4357% | 4,338 |
| Net loans and leases to total assets | 65.5448% | 2,971 |
| Net loans and leases to deposits | 81.8483% | 2,495 |
| Net loans and leases to core deposits | 98.4526% | 1,516 |
| Total domestic deposits to total assets | 80.0808% | 4,993 |
| Equity capital to assets | 13.9652% | 962 |
| Core capital (leverage) ratio | 8.3582% | 5,715 |
| Tier 1 risk-based capital ratio | 10.2830% | 6,186 |
| Total risk-based capital ratio | 11.6018% | 6,112 |
| Memoranda: | ||
| Average total assets | $829,012,600 | 812 |
| Average earning assets | $700,270,000 | 878 |
| Average equity | $121,807,400 | 600 |
| Average total loans | $575,536,400 | 769 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,690 |
| Cost of funding earning assets | 0.4497% | 3,254 |
| Net interest margin | 3.3080% | 4,574 |
| Noninterest income to average assets | 0.4050% | 4,211 |
| Noninterest expense to average assets | 2.1021% | 5,565 |
| Loan and lease loss provision to assets | 0.0322% | 3,764 |
| Net operating income to assets | 0.7250% | 3,814 |
| Return on assets (ROA) | 0.7270% | 3,907 |
| Pretax return on assets | 1.0959% | 3,202 |
| Return on Equity (ROE) | 4.8813% | 4,778 |
| Retained earnings to average equity (ytd only) | 0.4728% | 5,675 |
| Net charge-offs to loans | 0.0846% | 2,994 |
| Credit loss provision to net charge-offs | 53.9945% | 3,044 |
| Earnings coverage of net charge-offs (x) | 18.8787% | 1,811 |
| Efficiency ratio | 63.0144% | 4,721 |
| Assets per employee ($millions) | 7.7475% | 576 |
| Cash dividends to net income (ytd only)* | 90.3138% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 6,323 |
| Loan loss allowance to noncurrent loans | 159.1900% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 5,332 |
| Noncurrent loans to loans | 0.3219% | 4,945 |
| Net loans and leases to total assets | 67.3937% | 2,631 |
| Net loans and leases to deposits | 81.0909% | 2,536 |
| Net loans and leases to core deposits | 93.2475% | 1,935 |
| Total domestic deposits to total assets | 83.1089% | 4,101 |
| Equity capital to assets | 13.8923% | 1,044 |
| Core capital (leverage) ratio | 8.4319% | 5,726 |
| Tier 1 risk-based capital ratio | 9.8212% | 6,382 |
| Total risk-based capital ratio | 11.4846% | 6,252 |
| Memoranda: | ||
| Average total assets | $812,248,250 | 836 |
| Average earning assets | $692,921,250 | 892 |
| Average equity | $120,974,750 | 603 |
| Average total loans | $571,901,250 | 770 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,379 |
| Cost of funding earning assets | 0.4649% | 3,164 |
| Net interest margin | 3.3740% | 4,291 |
| Noninterest income to average assets | 0.3959% | 4,270 |
| Noninterest expense to average assets | 2.1136% | 5,597 |
| Loan and lease loss provision to assets | -0.0238% | 6,251 |
| Net operating income to assets | 0.7801% | 3,424 |
| Return on assets (ROA) | 0.7806% | 3,526 |
| Pretax return on assets | 1.1859% | 2,730 |
| Return on Equity (ROE) | 5.1129% | 4,623 |
| Retained earnings to average equity (ytd only) | -1.5316% | 5,932 |
| Net charge-offs to loans | 0.0888% | 2,798 |
| Credit loss provision to net charge-offs | -37.6000% | 5,143 |
| Earnings coverage of net charge-offs (x) | 18.3160% | 1,692 |
| Efficiency ratio | 62.4797% | 4,946 |
| Assets per employee ($millions) | 8.6359% | 382 |
| Cash dividends to net income (ytd only)* | 129.9545% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 6,411 |
| Loan loss allowance to noncurrent loans | 128.5090% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 5,227 |
| Noncurrent loans to loans | 0.3885% | 4,828 |
| Net loans and leases to total assets | 72.1495% | 1,718 |
| Net loans and leases to deposits | 89.2242% | 1,448 |
| Net loans and leases to core deposits | 103.8594% | 1,031 |
| Total domestic deposits to total assets | 80.8632% | 5,024 |
| Equity capital to assets | 14.9425% | 714 |
| Core capital (leverage) ratio | 9.1276% | 4,842 |
| Tier 1 risk-based capital ratio | 10.0729% | 6,377 |
| Total risk-based capital ratio | 11.1319% | 6,399 |
| Memoranda: | ||
| Average total assets | $788,594,330 | 860 |
| Average earning assets | $672,901,670 | 917 |
| Average equity | $120,400,330 | 597 |
| Average total loans | $563,103,670 | 778 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,242 |
| Cost of funding earning assets | 0.4665% | 3,255 |
| Net interest margin | 3.3941% | 4,142 |
| Noninterest income to average assets | 0.4474% | 3,812 |
| Noninterest expense to average assets | 2.1467% | 5,584 |
| Loan and lease loss provision to assets | 0.0329% | 3,387 |
| Net operating income to assets | 0.7761% | 3,271 |
| Return on assets (ROA) | 0.7737% | 3,370 |
| Pretax return on assets | 1.1743% | 2,591 |
| Return on Equity (ROE) | 5.0120% | 4,548 |
| Retained earnings to average equity (ytd only) | -8.3267% | 6,299 |
| Net charge-offs to loans | 0.0509% | 2,672 |
| Credit loss provision to net charge-offs | 91.4286% | 1,785 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 981 |
| Efficiency ratio | 61.8982% | 5,134 |
| Assets per employee ($millions) | 8.2220% | 433 |
| Cash dividends to net income (ytd only)* | 266.1344% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 6,417 |
| Loan loss allowance to noncurrent loans | 153.6891% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 5,333 |
| Noncurrent loans to loans | 0.3858% | 4,968 |
| Net loans and leases to total assets | 70.3567% | 1,826 |
| Net loans and leases to deposits | 86.1988% | 1,581 |
| Net loans and leases to core deposits | 99.5981% | 1,128 |
| Total domestic deposits to total assets | 81.6214% | 5,049 |
| Equity capital to assets | 15.0829% | 653 |
| Core capital (leverage) ratio | 9.1666% | 4,768 |
| Tier 1 risk-based capital ratio | 10.2927% | 6,396 |
| Total risk-based capital ratio | 11.2174% | 6,457 |
| Memoranda: | ||
| Average total assets | $777,006,500 | 873 |
| Average earning assets | $666,206,000 | 932 |
| Average equity | $119,951,000 | 604 |
| Average total loans | $550,342,000 | 797 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,440 |
| Cost of funding earning assets | 0.5316% | 3,272 |
| Net interest margin | 3.3737% | 4,390 |
| Noninterest income to average assets | 0.6074% | 3,051 |
| Noninterest expense to average assets | 2.0197% | 5,996 |
| Loan and lease loss provision to assets | 0.2153% | 1,700 |
| Net operating income to assets | 0.8307% | 3,131 |
| Return on assets (ROA) | 0.7861% | 3,471 |
| Pretax return on assets | 1.2016% | 2,577 |
| Return on Equity (ROE) | 5.0458% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.0458% | 2,564 |
| Net charge-offs to loans | 0.3332% | 2,008 |
| Credit loss provision to net charge-offs | 89.3420% | 2,784 |
| Earnings coverage of net charge-offs (x) | 6.1648% | 3,118 |
| Efficiency ratio | 55.6295% | 5,986 |
| Assets per employee ($millions) | 7.2829% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6142% | 6,456 |
| Loan loss allowance to noncurrent loans | 157.8473% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 5,416 |
| Noncurrent loans to loans | 0.3891% | 5,034 |
| Net loans and leases to total assets | 70.4470% | 1,944 |
| Net loans and leases to deposits | 88.6856% | 1,386 |
| Net loans and leases to core deposits | 101.4875% | 1,062 |
| Total domestic deposits to total assets | 79.4346% | 5,570 |
| Equity capital to assets | 15.8037% | 557 |
| Core capital (leverage) ratio | 9.8319% | 3,802 |
| Tier 1 risk-based capital ratio | 11.0861% | 6,127 |
| Total risk-based capital ratio | 11.8720% | 6,283 |
| Memoranda: | ||
| Average total assets | $763,242,400 | 876 |
| Average earning assets | $655,535,800 | 921 |
| Average equity | $118,910,600 | 601 |
| Average total loans | $551,969,200 | 763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,558 |
| Cost of funding earning assets | 0.5442% | 3,329 |
| Net interest margin | 3.3401% | 4,495 |
| Noninterest income to average assets | 0.6323% | 2,978 |
| Noninterest expense to average assets | 2.0392% | 5,947 |
| Loan and lease loss provision to assets | 0.1543% | 2,337 |
| Net operating income to assets | 0.8484% | 3,105 |
| Return on assets (ROA) | 0.8485% | 3,219 |
| Pretax return on assets | 1.3073% | 2,307 |
| Return on Equity (ROE) | 5.4660% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,740 |
| Net charge-offs to loans | 0.2616% | 2,246 |
| Credit loss provision to net charge-offs | 81.1581% | 2,822 |
| Earnings coverage of net charge-offs (x) | 7.6857% | 2,757 |
| Efficiency ratio | 56.2556% | 5,870 |
| Assets per employee ($millions) | 7.1220% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 6,558 |
| Loan loss allowance to noncurrent loans | 239.7163% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,859 |
| Noncurrent loans to loans | 0.2513% | 5,598 |
| Net loans and leases to total assets | 74.5679% | 1,198 |
| Net loans and leases to deposits | 92.6452% | 931 |
| Net loans and leases to core deposits | 105.9503% | 761 |
| Total domestic deposits to total assets | 80.4876% | 5,365 |
| Equity capital to assets | 16.0261% | 548 |
| Core capital (leverage) ratio | 9.6811% | 4,127 |
| Tier 1 risk-based capital ratio | 10.4702% | 6,463 |
| Total risk-based capital ratio | 11.2415% | 6,561 |
| Memoranda: | ||
| Average total assets | $762,877,500 | 883 |
| Average earning assets | $655,126,750 | 925 |
| Average equity | $118,425,500 | 606 |
| Average total loans | $554,451,750 | 758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 4,751 |
| Cost of funding earning assets | 0.5644% | 3,270 |
| Net interest margin | 3.2580% | 4,742 |
| Noninterest income to average assets | 0.6876% | 2,704 |
| Noninterest expense to average assets | 2.0289% | 5,990 |
| Loan and lease loss provision to assets | 0.0800% | 3,459 |
| Net operating income to assets | 0.8949% | 2,826 |
| Return on assets (ROA) | 0.8949% | 2,970 |
| Pretax return on assets | 1.3840% | 1,991 |
| Return on Equity (ROE) | 5.8261% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.8261% | 2,535 |
| Net charge-offs to loans | 0.1478% | 2,923 |
| Credit loss provision to net charge-offs | 75.2451% | 2,717 |
| Earnings coverage of net charge-offs (x) | 13.7770% | 1,875 |
| Efficiency ratio | 56.1032% | 5,955 |
| Assets per employee ($millions) | 7.0714% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 6,602 |
| Loan loss allowance to noncurrent loans | 165.9382% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 5,594 |
| Noncurrent loans to loans | 0.3676% | 5,357 |
| Net loans and leases to total assets | 75.2117% | 1,086 |
| Net loans and leases to deposits | 93.4178% | 849 |
| Net loans and leases to core deposits | 106.5366% | 715 |
| Total domestic deposits to total assets | 80.5111% | 5,470 |
| Equity capital to assets | 15.6778% | 584 |
| Core capital (leverage) ratio | 9.2863% | 4,563 |
| Tier 1 risk-based capital ratio | 10.3162% | 6,564 |
| Total risk-based capital ratio | 10.8723% | 6,685 |
| Memoranda: | ||
| Average total assets | $767,899,330 | 879 |
| Average earning assets | $661,199,670 | 918 |
| Average equity | $117,952,330 | 609 |
| Average total loans | $552,266,330 | 750 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 4,716 |
| Cost of funding earning assets | 0.5951% | 3,152 |
| Net interest margin | 3.2359% | 4,774 |
| Noninterest income to average assets | 0.7162% | 2,502 |
| Noninterest expense to average assets | 2.0436% | 6,020 |
| Loan and lease loss provision to assets | 0.0739% | 3,395 |
| Net operating income to assets | 0.8972% | 2,674 |
| Return on assets (ROA) | 0.8972% | 2,821 |
| Pretax return on assets | 1.3853% | 1,907 |
| Return on Equity (ROE) | 5.9005% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.9005% | 2,736 |
| Net charge-offs to loans | 0.1918% | 2,264 |
| Credit loss provision to net charge-offs | 55.0000% | 2,524 |
| Earnings coverage of net charge-offs (x) | 10.8538% | 1,706 |
| Efficiency ratio | 56.3773% | 6,023 |
| Assets per employee ($millions) | 7.4306% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 6,639 |
| Loan loss allowance to noncurrent loans | 135.9472% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 5,318 |
| Noncurrent loans to loans | 0.4873% | 5,209 |
| Net loans and leases to total assets | 68.6079% | 1,906 |
| Net loans and leases to deposits | 85.0590% | 1,460 |
| Net loans and leases to core deposits | 97.3989% | 1,120 |
| Total domestic deposits to total assets | 80.6592% | 5,582 |
| Equity capital to assets | 15.4835% | 641 |
| Core capital (leverage) ratio | 8.8851% | 5,079 |
| Tier 1 risk-based capital ratio | 10.7236% | 6,513 |
| Total risk-based capital ratio | 11.5704% | 6,618 |
| Memoranda: | ||
| Average total assets | $773,531,000 | 878 |
| Average earning assets | $666,160,000 | 912 |
| Average equity | $117,616,500 | 621 |
| Average total loans | $542,113,500 | 769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 4,802 |
| Cost of funding earning assets | 0.7185% | 3,340 |
| Net interest margin | 3.4228% | 4,807 |
| Noninterest income to average assets | 0.7094% | 2,676 |
| Noninterest expense to average assets | 2.0619% | 6,206 |
| Loan and lease loss provision to assets | 0.4209% | 1,517 |
| Net operating income to assets | 0.7510% | 3,510 |
| Return on assets (ROA) | 0.7565% | 3,722 |
| Pretax return on assets | 1.1484% | 2,995 |
| Return on Equity (ROE) | 5.0942% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.3472% | 3,867 |
| Net charge-offs to loans | 0.5736% | 2,005 |
| Credit loss provision to net charge-offs | 103.6410% | 2,886 |
| Earnings coverage of net charge-offs (x) | 3.8435% | 3,573 |
| Efficiency ratio | 55.0054% | 6,170 |
| Assets per employee ($millions) | 7.4448% | 638 |
| Cash dividends to net income (ytd only)* | 34.2936% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 6,693 |
| Loan loss allowance to noncurrent loans | 128.3345% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 5,360 |
| Noncurrent loans to loans | 0.5101% | 5,259 |
| Net loans and leases to total assets | 70.6139% | 1,725 |
| Net loans and leases to deposits | 88.1689% | 1,251 |
| Net loans and leases to core deposits | 103.5854% | 807 |
| Total domestic deposits to total assets | 80.0893% | 5,640 |
| Equity capital to assets | 14.9326% | 755 |
| Core capital (leverage) ratio | 8.4115% | 5,741 |
| Tier 1 risk-based capital ratio | 9.9411% | 6,718 |
| Total risk-based capital ratio | 11.5015% | 6,599 |
| Memoranda: | ||
| Average total assets | $770,922,600 | 864 |
| Average earning assets | $656,214,400 | 917 |
| Average equity | $114,483,800 | 628 |
| Average total loans | $545,837,800 | 761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 4,931 |
| Cost of funding earning assets | 0.7400% | 3,432 |
| Net interest margin | 3.4266% | 4,939 |
| Noninterest income to average assets | 0.6616% | 2,923 |
| Noninterest expense to average assets | 2.0481% | 6,276 |
| Loan and lease loss provision to assets | 0.3521% | 1,850 |
| Net operating income to assets | 0.7682% | 3,608 |
| Return on assets (ROA) | 0.7751% | 3,826 |
| Pretax return on assets | 1.1795% | 3,064 |
| Return on Equity (ROE) | 5.2268% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.8861% | 4,818 |
| Net charge-offs to loans | 0.4898% | 2,148 |
| Credit loss provision to net charge-offs | 101.6533% | 2,898 |
| Earnings coverage of net charge-offs (x) | 4.3913% | 3,312 |
| Efficiency ratio | 55.4362% | 6,114 |
| Assets per employee ($millions) | 7.1469% | 694 |
| Cash dividends to net income (ytd only)* | 44.7828% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6291% | 6,827 |
| Loan loss allowance to noncurrent loans | 214.4150% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,743 |
| Noncurrent loans to loans | 0.2934% | 5,905 |
| Net loans and leases to total assets | 71.4247% | 1,660 |
| Net loans and leases to deposits | 90.8106% | 1,068 |
| Net loans and leases to core deposits | 106.9860% | 687 |
| Total domestic deposits to total assets | 78.6523% | 5,943 |
| Equity capital to assets | 14.6745% | 920 |
| Core capital (leverage) ratio | 8.2961% | 6,017 |
| Tier 1 risk-based capital ratio | 9.4820% | 6,901 |
| Total risk-based capital ratio | 10.9975% | 6,847 |
| Memoranda: | ||
| Average total assets | $768,226,750 | 868 |
| Average earning assets | $651,894,000 | 931 |
| Average equity | $113,922,500 | 632 |
| Average total loans | $543,389,750 | 767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 4,878 |
| Cost of funding earning assets | 0.7592% | 3,527 |
| Net interest margin | 3.4621% | 4,835 |
| Noninterest income to average assets | 0.7268% | 2,526 |
| Noninterest expense to average assets | 2.0891% | 6,250 |
| Loan and lease loss provision to assets | 0.4358% | 1,489 |
| Net operating income to assets | 0.7450% | 3,628 |
| Return on assets (ROA) | 0.7538% | 3,862 |
| Pretax return on assets | 1.1432% | 3,141 |
| Return on Equity (ROE) | 5.0652% | 4,781 |
| Retained earnings to average equity (ytd only) | 1.5391% | 5,438 |
| Net charge-offs to loans | 0.5640% | 1,906 |
| Credit loss provision to net charge-offs | 109.8545% | 2,485 |
| Earnings coverage of net charge-offs (x) | 3.9464% | 3,226 |
| Efficiency ratio | 55.2516% | 6,197 |
| Assets per employee ($millions) | 7.1993% | 664 |
| Cash dividends to net income (ytd only)* | 69.6136% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 6,871 |
| Loan loss allowance to noncurrent loans | 231.6719% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 5,777 |
| Noncurrent loans to loans | 0.2842% | 6,002 |
| Net loans and leases to total assets | 71.9322% | 1,564 |
| Net loans and leases to deposits | 90.6954% | 1,079 |
| Net loans and leases to core deposits | 106.8005% | 709 |
| Total domestic deposits to total assets | 79.3118% | 5,897 |
| Equity capital to assets | 14.7356% | 850 |
| Core capital (leverage) ratio | 8.1449% | 6,104 |
| Tier 1 risk-based capital ratio | 9.1224% | 6,969 |
| Total risk-based capital ratio | 11.0439% | 6,871 |
| Memoranda: | ||
| Average total assets | $762,248,670 | 876 |
| Average earning assets | $644,637,670 | 939 |
| Average equity | $113,441,670 | 633 |
| Average total loans | $536,163,670 | 777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 4,581 |
| Cost of funding earning assets | 0.7825% | 3,609 |
| Net interest margin | 3.5541% | 4,469 |
| Noninterest income to average assets | 0.7491% | 2,405 |
| Noninterest expense to average assets | 2.0627% | 6,359 |
| Loan and lease loss provision to assets | -0.0063% | 7,096 |
| Net operating income to assets | 1.0685% | 2,214 |
| Return on assets (ROA) | 1.0678% | 2,413 |
| Pretax return on assets | 1.6724% | 1,373 |
| Return on Equity (ROE) | 7.1389% | 3,697 |
| Retained earnings to average equity (ytd only) | 7.1389% | 2,357 |
| Net charge-offs to loans | 0.0586% | 3,918 |
| Credit loss provision to net charge-offs | -15.5844% | 5,364 |
| Earnings coverage of net charge-offs (x) | 41.0390% | 735 |
| Efficiency ratio | 53.4229% | 6,397 |
| Assets per employee ($millions) | 6.9667% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 6,914 |
| Loan loss allowance to noncurrent loans | 230.9348% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 5,949 |
| Noncurrent loans to loans | 0.2883% | 6,099 |
| Net loans and leases to total assets | 68.0894% | 2,099 |
| Net loans and leases to deposits | 86.6643% | 1,332 |
| Net loans and leases to core deposits | 102.0741% | 862 |
| Total domestic deposits to total assets | 78.5668% | 6,173 |
| Equity capital to assets | 15.2064% | 710 |
| Core capital (leverage) ratio | 8.5033% | 5,581 |
| Tier 1 risk-based capital ratio | 9.8934% | 6,900 |
| Total risk-based capital ratio | 11.7279% | 6,738 |
| Memoranda: | ||
| Average total assets | $758,211,500 | 882 |
| Average earning assets | $635,888,000 | 948 |
| Average equity | $113,406,500 | 626 |
| Average total loans | $525,354,500 | 791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 5,131 |
| Cost of funding earning assets | 0.9272% | 3,906 |
| Net interest margin | 3.5599% | 4,892 |
| Noninterest income to average assets | 0.6001% | 3,162 |
| Noninterest expense to average assets | 2.1896% | 6,293 |
| Loan and lease loss provision to assets | 0.1163% | 5,146 |
| Net operating income to assets | 0.8181% | 2,961 |
| Return on assets (ROA) | 0.8227% | 3,106 |
| Pretax return on assets | 1.2797% | 2,204 |
| Return on Equity (ROE) | 5.5552% | 4,103 |
| Retained earnings to average equity (ytd only) | 0.3773% | 5,661 |
| Net charge-offs to loans | 0.2917% | 3,950 |
| Credit loss provision to net charge-offs | 61.4517% | 5,138 |
| Earnings coverage of net charge-offs (x) | 7.3390% | 2,349 |
| Efficiency ratio | 59.2032% | 5,865 |
| Assets per employee ($millions) | 7.0743% | 699 |
| Cash dividends to net income (ytd only)* | 93.2080% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 6,953 |
| Loan loss allowance to noncurrent loans | 240.7382% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 5,929 |
| Noncurrent loans to loans | 0.2735% | 6,178 |
| Net loans and leases to total assets | 69.5592% | 2,122 |
| Net loans and leases to deposits | 90.7780% | 1,073 |
| Net loans and leases to core deposits | 108.3535% | 683 |
| Total domestic deposits to total assets | 76.6256% | 6,389 |
| Equity capital to assets | 14.7116% | 843 |
| Core capital (leverage) ratio | 7.9046% | 6,355 |
| Tier 1 risk-based capital ratio | 9.1789% | 7,007 |
| Total risk-based capital ratio | 10.9697% | 6,910 |
| Memoranda: | ||
| Average total assets | $749,868,600 | 880 |
| Average earning assets | $627,348,000 | 942 |
| Average equity | $111,050,000 | 623 |
| Average total loans | $486,395,800 | 856 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 5,271 |
| Cost of funding earning assets | 0.9519% | 4,031 |
| Net interest margin | 3.5410% | 5,015 |
| Noninterest income to average assets | 0.5924% | 3,216 |
| Noninterest expense to average assets | 2.1448% | 6,417 |
| Loan and lease loss provision to assets | 0.1499% | 4,573 |
| Net operating income to assets | 0.8132% | 3,087 |
| Return on assets (ROA) | 0.8184% | 3,233 |
| Pretax return on assets | 1.2823% | 2,353 |
| Return on Equity (ROE) | 5.5169% | 4,278 |
| Retained earnings to average equity (ytd only) | -1.4078% | 6,220 |
| Net charge-offs to loans | 0.3399% | 3,395 |
| Credit loss provision to net charge-offs | 69.3962% | 4,501 |
| Earnings coverage of net charge-offs (x) | 6.5939% | 2,524 |
| Efficiency ratio | 58.0939% | 5,992 |
| Assets per employee ($millions) | 6.9975% | 738 |
| Cash dividends to net income (ytd only)* | 125.5185% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 6,948 |
| Loan loss allowance to noncurrent loans | 236.6603% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 5,778 |
| Noncurrent loans to loans | 0.2997% | 6,249 |
| Net loans and leases to total assets | 67.2807% | 2,615 |
| Net loans and leases to deposits | 87.5275% | 1,488 |
| Net loans and leases to core deposits | 105.8915% | 873 |
| Total domestic deposits to total assets | 76.8681% | 6,395 |
| Equity capital to assets | 14.5423% | 977 |
| Core capital (leverage) ratio | 7.9280% | 6,456 |
| Tier 1 risk-based capital ratio | 9.1819% | 7,093 |
| Total risk-based capital ratio | 11.0235% | 7,005 |
| Memoranda: | ||
| Average total assets | $746,329,750 | 890 |
| Average earning assets | $627,384,250 | 951 |
| Average equity | $110,712,500 | 629 |
| Average total loans | $474,252,000 | 897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 5,285 |
| Cost of funding earning assets | 0.9723% | 4,152 |
| Net interest margin | 3.5497% | 4,922 |
| Noninterest income to average assets | 0.7325% | 2,365 |
| Noninterest expense to average assets | 2.1375% | 6,527 |
| Loan and lease loss provision to assets | 0.1216% | 4,759 |
| Net operating income to assets | 0.9286% | 2,521 |
| Return on assets (ROA) | 0.9340% | 2,602 |
| Pretax return on assets | 1.4894% | 1,564 |
| Return on Equity (ROE) | 6.2536% | 3,819 |
| Retained earnings to average equity (ytd only) | -4.1721% | 6,488 |
| Net charge-offs to loans | 0.4044% | 2,934 |
| Credit loss provision to net charge-offs | 48.4358% | 4,618 |
| Earnings coverage of net charge-offs (x) | 6.3840% | 2,404 |
| Efficiency ratio | 55.2241% | 6,487 |
| Assets per employee ($millions) | 6.9901% | 727 |
| Cash dividends to net income (ytd only)* | 166.7150% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 6,982 |
| Loan loss allowance to noncurrent loans | 151.5829% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 5,497 |
| Noncurrent loans to loans | 0.4806% | 5,944 |
| Net loans and leases to total assets | 65.4286% | 3,153 |
| Net loans and leases to deposits | 83.3199% | 2,213 |
| Net loans and leases to core deposits | 100.9377% | 1,261 |
| Total domestic deposits to total assets | 78.5270% | 6,182 |
| Equity capital to assets | 14.7575% | 876 |
| Core capital (leverage) ratio | 8.0211% | 6,275 |
| Tier 1 risk-based capital ratio | 9.3730% | 7,126 |
| Total risk-based capital ratio | 11.0204% | 7,037 |
| Memoranda: | ||
| Average total assets | $738,533,000 | 904 |
| Average earning assets | $625,738,670 | 960 |
| Average equity | $110,305,000 | 632 |
| Average total loans | $458,478,670 | 947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 4,019 |
| Cost of funding earning assets | 0.9726% | 4,400 |
| Net interest margin | 3.8363% | 3,436 |
| Noninterest income to average assets | 0.9223% | 1,579 |
| Noninterest expense to average assets | 2.2883% | 6,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1550% | 1,649 |
| Return on assets (ROA) | 1.1550% | 1,699 |
| Pretax return on assets | 1.9105% | 665 |
| Return on Equity (ROE) | 7.6867% | 3,052 |
| Retained earnings to average equity (ytd only) | -13.1715% | 6,979 |
| Net charge-offs to loans | 0.2901% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.9531% | 1,594 |
| Efficiency ratio | 52.7716% | 6,801 |
| Assets per employee ($millions) | 6.8018% | 812 |
| Cash dividends to net income (ytd only)* | 271.3544% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,816 |
| Loan loss allowance to noncurrent loans | 131.0839% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 5,381 |
| Noncurrent loans to loans | 0.6495% | 5,732 |
| Net loans and leases to total assets | 59.4347% | 4,378 |
| Net loans and leases to deposits | 74.2805% | 3,721 |
| Net loans and leases to core deposits | 90.2770% | 2,315 |
| Total domestic deposits to total assets | 80.0139% | 5,945 |
| Equity capital to assets | 14.7669% | 819 |
| Core capital (leverage) ratio | 7.8405% | 6,430 |
| Tier 1 risk-based capital ratio | 9.9481% | 7,026 |
| Total risk-based capital ratio | 11.3069% | 6,984 |
| Memoranda: | ||
| Average total assets | $733,827,000 | 913 |
| Average earning assets | $626,757,500 | 966 |
| Average equity | $110,268,500 | 627 |
| Average total loans | $441,237,500 | 990 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 4,383 |
| Cost of funding earning assets | 1.1480% | 4,862 |
| Net interest margin | 3.8886% | 3,544 |
| Noninterest income to average assets | 0.7672% | 2,445 |
| Noninterest expense to average assets | 2.2464% | 6,490 |
| Loan and lease loss provision to assets | 0.4185% | 3,598 |
| Net operating income to assets | 0.9764% | 2,121 |
| Return on assets (ROA) | 1.0522% | 1,962 |
| Pretax return on assets | 1.5241% | 1,315 |
| Return on Equity (ROE) | 6.9976% | 3,129 |
| Retained earnings to average equity (ytd only) | 5.6172% | 2,043 |
| Net charge-offs to loans | 0.5886% | 3,269 |
| Credit loss provision to net charge-offs | 118.6348% | 3,581 |
| Earnings coverage of net charge-offs (x) | 5.1958% | 2,687 |
| Efficiency ratio | 53.2635% | 6,865 |
| Assets per employee ($millions) | 6.6041% | 904 |
| Cash dividends to net income (ytd only)* | 19.7265% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 6,666 |
| Loan loss allowance to noncurrent loans | 81.2662% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 5,078 |
| Noncurrent loans to loans | 1.1325% | 4,846 |
| Net loans and leases to total assets | 59.7568% | 4,717 |
| Net loans and leases to deposits | 75.6290% | 3,899 |
| Net loans and leases to core deposits | 95.6011% | 2,058 |
| Total domestic deposits to total assets | 79.0131% | 6,074 |
| Equity capital to assets | 15.2866% | 722 |
| Core capital (leverage) ratio | 8.2548% | 5,750 |
| Tier 1 risk-based capital ratio | 10.5289% | 6,677 |
| Total risk-based capital ratio | 11.5653% | 6,792 |
| Memoranda: | ||
| Average total assets | $722,653,800 | 925 |
| Average earning assets | $615,485,200 | 981 |
| Average equity | $108,665,600 | 619 |
| Average total loans | $433,048,600 | 1,036 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 4,506 |
| Cost of funding earning assets | 1.1868% | 4,926 |
| Net interest margin | 3.8786% | 3,615 |
| Noninterest income to average assets | 0.5711% | 3,645 |
| Noninterest expense to average assets | 2.2253% | 6,537 |
| Loan and lease loss provision to assets | 0.3672% | 3,700 |
| Net operating income to assets | 0.8564% | 2,791 |
| Return on assets (ROA) | 0.9545% | 2,525 |
| Pretax return on assets | 1.4254% | 1,805 |
| Return on Equity (ROE) | 6.3748% | 3,637 |
| Retained earnings to average equity (ytd only) | 4.5199% | 3,331 |
| Net charge-offs to loans | 0.3559% | 3,878 |
| Credit loss provision to net charge-offs | 172.4348% | 2,141 |
| Earnings coverage of net charge-offs (x) | 7.7304% | 2,277 |
| Efficiency ratio | 55.5672% | 6,617 |
| Assets per employee ($millions) | 6.6434% | 906 |
| Cash dividends to net income (ytd only)* | 29.0980% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,447 |
| Loan loss allowance to noncurrent loans | 74.0301% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 5,380 |
| Noncurrent loans to loans | 1.3361% | 4,623 |
| Net loans and leases to total assets | 59.5574% | 4,990 |
| Net loans and leases to deposits | 77.0169% | 4,009 |
| Net loans and leases to core deposits | 98.0783% | 2,033 |
| Total domestic deposits to total assets | 77.3303% | 6,407 |
| Equity capital to assets | 14.8448% | 935 |
| Core capital (leverage) ratio | 7.9837% | 6,367 |
| Tier 1 risk-based capital ratio | 10.0564% | 7,033 |
| Total risk-based capital ratio | 11.1581% | 7,101 |
| Memoranda: | ||
| Average total assets | $720,052,750 | 933 |
| Average earning assets | $612,715,500 | 996 |
| Average equity | $107,817,000 | 614 |
| Average total loans | $430,780,500 | 1,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 3,873 |
| Cost of funding earning assets | 1.2183% | 5,028 |
| Net interest margin | 3.9974% | 3,024 |
| Noninterest income to average assets | 0.4387% | 4,621 |
| Noninterest expense to average assets | 2.1881% | 6,674 |
| Loan and lease loss provision to assets | 0.3362% | 3,718 |
| Net operating income to assets | 0.8797% | 2,624 |
| Return on assets (ROA) | 0.8797% | 2,757 |
| Pretax return on assets | 1.3086% | 2,055 |
| Return on Equity (ROE) | 5.8576% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.0522% | 4,158 |
| Net charge-offs to loans | 0.4469% | 3,194 |
| Credit loss provision to net charge-offs | 126.0000% | 3,199 |
| Earnings coverage of net charge-offs (x) | 6.1642% | 2,515 |
| Efficiency ratio | 55.1370% | 6,744 |
| Assets per employee ($millions) | 6.6931% | 883 |
| Cash dividends to net income (ytd only)* | 47.8927% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,767 |
| Loan loss allowance to noncurrent loans | 59.4398% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 5,120 |
| Noncurrent loans to loans | 1.5093% | 4,444 |
| Net loans and leases to total assets | 58.6969% | 5,301 |
| Net loans and leases to deposits | 74.3660% | 4,616 |
| Net loans and leases to core deposits | 95.6097% | 2,491 |
| Total domestic deposits to total assets | 78.9298% | 6,059 |
| Equity capital to assets | 15.0108% | 882 |
| Core capital (leverage) ratio | 8.0431% | 6,215 |
| Tier 1 risk-based capital ratio | 10.1578% | 6,937 |
| Total risk-based capital ratio | 10.9092% | 7,192 |
| Memoranda: | ||
| Average total assets | $712,048,670 | 945 |
| Average earning assets | $604,594,670 | 1,016 |
| Average equity | $106,937,670 | 616 |
| Average total loans | $425,183,000 | 1,071 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 5,399 |
| Cost of funding earning assets | 1.2203% | 5,277 |
| Net interest margin | 3.6917% | 4,285 |
| Noninterest income to average assets | 0.5287% | 3,823 |
| Noninterest expense to average assets | 2.1782% | 6,744 |
| Loan and lease loss provision to assets | 0.3396% | 3,351 |
| Net operating income to assets | 0.7800% | 3,061 |
| Return on assets (ROA) | 0.7800% | 3,169 |
| Pretax return on assets | 1.1378% | 2,597 |
| Return on Equity (ROE) | 5.1925% | 4,263 |
| Retained earnings to average equity (ytd only) | -0.4597% | 5,936 |
| Net charge-offs to loans | 0.6533% | 2,189 |
| Credit loss provision to net charge-offs | 86.7052% | 3,727 |
| Earnings coverage of net charge-offs (x) | 3.7717% | 2,792 |
| Efficiency ratio | 57.5255% | 6,560 |
| Assets per employee ($millions) | 6.5959% | 948 |
| Cash dividends to net income (ytd only)* | 108.8534% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 7,051 |
| Loan loss allowance to noncurrent loans | 116.2683% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 6,121 |
| Noncurrent loans to loans | 0.7145% | 5,903 |
| Net loans and leases to total assets | 59.2304% | 5,253 |
| Net loans and leases to deposits | 74.3435% | 4,692 |
| Net loans and leases to core deposits | 90.9024% | 3,243 |
| Total domestic deposits to total assets | 79.6713% | 5,893 |
| Equity capital to assets | 15.0502% | 871 |
| Core capital (leverage) ratio | 8.0095% | 6,229 |
| Tier 1 risk-based capital ratio | 10.0755% | 6,980 |
| Total risk-based capital ratio | 10.7813% | 7,284 |
| Memoranda: | ||
| Average total assets | $706,646,000 | 973 |
| Average earning assets | $598,524,500 | 1,051 |
| Average equity | $106,153,500 | 623 |
| Average total loans | $423,707,500 | 1,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 4,463 |
| Cost of funding earning assets | 1.5791% | 5,136 |
| Net interest margin | 3.8661% | 3,408 |
| Noninterest income to average assets | 0.8832% | 2,015 |
| Noninterest expense to average assets | 2.3362% | 6,647 |
| Loan and lease loss provision to assets | 0.6609% | 3,166 |
| Net operating income to assets | 0.7317% | 2,804 |
| Return on assets (ROA) | 0.7305% | 2,890 |
| Pretax return on assets | 1.0699% | 2,345 |
| Return on Equity (ROE) | 4.6129% | 3,839 |
| Retained earnings to average equity (ytd only) | -0.0381% | 4,940 |
| Net charge-offs to loans | 0.8405% | 2,727 |
| Credit loss provision to net charge-offs | 127.4354% | 4,064 |
| Earnings coverage of net charge-offs (x) | 3.3405% | 3,393 |
| Efficiency ratio | 55.4884% | 7,072 |
| Assets per employee ($millions) | 6.8032% | 866 |
| Cash dividends to net income (ytd only)* | 100.8268% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 7,001 |
| Loan loss allowance to noncurrent loans | 149.1083% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 6,256 |
| Noncurrent loans to loans | 0.5661% | 6,113 |
| Net loans and leases to total assets | 59.6854% | 5,383 |
| Net loans and leases to deposits | 74.0915% | 5,024 |
| Net loans and leases to core deposits | 99.7880% | 4,026 |
| Total domestic deposits to total assets | 80.5563% | 5,487 |
| Equity capital to assets | 14.9942% | 912 |
| Core capital (leverage) ratio | 7.7316% | 6,525 |
| Tier 1 risk-based capital ratio | 9.8907% | 6,963 |
| Total risk-based capital ratio | 10.6017% | 7,286 |
| Memoranda: | ||
| Average total assets | $678,878,800 | 1,013 |
| Average earning assets | $559,371,800 | 1,126 |
| Average equity | $107,503,400 | 607 |
| Average total loans | $418,923,000 | 1,145 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5503% | 4,153 |
| Cost of funding earning assets | 1.6586% | 5,117 |
| Net interest margin | 3.8917% | 3,261 |
| Noninterest income to average assets | 0.9313% | 1,851 |
| Noninterest expense to average assets | 2.3773% | 6,484 |
| Loan and lease loss provision to assets | 0.8035% | 2,357 |
| Net operating income to assets | 0.6581% | 3,364 |
| Return on assets (ROA) | 0.6564% | 3,436 |
| Pretax return on assets | 0.9327% | 3,122 |
| Return on Equity (ROE) | 4.0880% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.0880% | 2,995 |
| Net charge-offs to loans | 0.8834% | 2,195 |
| Credit loss provision to net charge-offs | 146.4544% | 3,315 |
| Earnings coverage of net charge-offs (x) | 3.1690% | 3,654 |
| Efficiency ratio | 55.8304% | 7,025 |
| Assets per employee ($millions) | 6.6665% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 6,586 |
| Loan loss allowance to noncurrent loans | 42.4726% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 4,474 |
| Noncurrent loans to loans | 2.2180% | 3,357 |
| Net loans and leases to total assets | 58.2264% | 5,857 |
| Net loans and leases to deposits | 71.8940% | 5,672 |
| Net loans and leases to core deposits | 101.6234% | 4,197 |
| Total domestic deposits to total assets | 80.9891% | 5,083 |
| Equity capital to assets | 15.4835% | 892 |
| Core capital (leverage) ratio | 8.0412% | 6,292 |
| Tier 1 risk-based capital ratio | 10.4784% | 6,491 |
| Total risk-based capital ratio | 11.2484% | 6,937 |
| Memoranda: | ||
| Average total assets | $671,714,750 | 1,038 |
| Average earning assets | $549,671,750 | 1,158 |
| Average equity | $107,857,000 | 616 |
| Average total loans | $417,181,250 | 1,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4122% | 5,080 |
| Cost of funding earning assets | 1.7404% | 5,061 |
| Net interest margin | 3.6718% | 4,079 |
| Noninterest income to average assets | 1.0220% | 1,522 |
| Noninterest expense to average assets | 2.4310% | 6,368 |
| Loan and lease loss provision to assets | 0.3015% | 4,150 |
| Net operating income to assets | 0.8533% | 2,639 |
| Return on assets (ROA) | 0.8508% | 2,752 |
| Pretax return on assets | 1.2502% | 2,160 |
| Return on Equity (ROE) | 5.2321% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.2321% | 2,379 |
| Net charge-offs to loans | 0.2958% | 3,706 |
| Credit loss provision to net charge-offs | 161.0032% | 2,852 |
| Earnings coverage of net charge-offs (x) | 8.3058% | 2,284 |
| Efficiency ratio | 58.9617% | 6,697 |
| Assets per employee ($millions) | 6.2352% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 7,468 |
| Loan loss allowance to noncurrent loans | 57.8411% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 5,530 |
| Noncurrent loans to loans | 1.1724% | 4,875 |
| Net loans and leases to total assets | 63.6125% | 5,058 |
| Net loans and leases to deposits | 78.8062% | 4,730 |
| Net loans and leases to core deposits | 110.6942% | 3,307 |
| Total domestic deposits to total assets | 80.7202% | 5,183 |
| Equity capital to assets | 15.6527% | 894 |
| Core capital (leverage) ratio | 8.7500% | 5,002 |
| Tier 1 risk-based capital ratio | 9.8114% | 7,124 |
| Total risk-based capital ratio | 10.3733% | 7,638 |
| Memoranda: | ||
| Average total assets | $660,070,000 | 1,079 |
| Average earning assets | $532,867,000 | 1,215 |
| Average equity | $107,338,000 | 627 |
| Average total loans | $417,785,330 | 1,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5521% | 4,626 |
| Cost of funding earning assets | 1.9082% | 4,586 |
| Net interest margin | 3.6439% | 4,123 |
| Noninterest income to average assets | 0.8148% | 2,257 |
| Noninterest expense to average assets | 2.3930% | 6,215 |
| Loan and lease loss provision to assets | 0.1025% | 5,658 |
| Net operating income to assets | 0.8194% | 3,050 |
| Return on assets (ROA) | 0.8142% | 3,225 |
| Pretax return on assets | 1.1701% | 2,727 |
| Return on Equity (ROE) | 4.9083% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.9083% | 3,184 |
| Net charge-offs to loans | 0.2518% | 3,150 |
| Credit loss provision to net charge-offs | 64.7059% | 4,445 |
| Earnings coverage of net charge-offs (x) | 8.0824% | 2,242 |
| Efficiency ratio | 62.9016% | 5,889 |
| Assets per employee ($millions) | 5.9170% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6149% | 7,635 |
| Loan loss allowance to noncurrent loans | 77.8357% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 5,884 |
| Noncurrent loans to loans | 0.7899% | 5,466 |
| Net loans and leases to total assets | 63.0547% | 5,151 |
| Net loans and leases to deposits | 79.6342% | 4,670 |
| Net loans and leases to core deposits | 104.5205% | 4,077 |
| Total domestic deposits to total assets | 79.1804% | 5,652 |
| Equity capital to assets | 16.5017% | 794 |
| Core capital (leverage) ratio | 8.6653% | 5,223 |
| Tier 1 risk-based capital ratio | 10.0614% | 6,843 |
| Total risk-based capital ratio | 10.5634% | 7,553 |
| Memoranda: | ||
| Average total assets | $644,053,500 | 1,107 |
| Average earning assets | $505,175,500 | 1,278 |
| Average equity | $106,840,500 | 627 |
| Average total loans | $405,043,000 | 1,242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0823% | 5,134 |
| Cost of funding earning assets | 2.4734% | 4,344 |
| Net interest margin | 3.6089% | 4,841 |
| Noninterest income to average assets | 1.0106% | 1,546 |
| Noninterest expense to average assets | 2.3653% | 6,519 |
| Loan and lease loss provision to assets | 0.1678% | 5,233 |
| Net operating income to assets | 0.8883% | 3,047 |
| Return on assets (ROA) | 0.8934% | 2,871 |
| Pretax return on assets | 1.3543% | 2,114 |
| Return on Equity (ROE) | 5.3072% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.8975% | 3,374 |
| Net charge-offs to loans | 0.2596% | 3,681 |
| Credit loss provision to net charge-offs | 104.9746% | 5,095 |
| Earnings coverage of net charge-offs (x) | 9.4741% | 2,680 |
| Efficiency ratio | 58.6934% | 6,574 |
| Assets per employee ($millions) | 5.8462% | 1,235 |
| Cash dividends to net income (ytd only)* | 45.4050% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 7,522 |
| Loan loss allowance to noncurrent loans | 105.3707% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 5,859 |
| Noncurrent loans to loans | 0.6282% | 5,485 |
| Net loans and leases to total assets | 61.9101% | 5,636 |
| Net loans and leases to deposits | 79.6199% | 5,113 |
| Net loans and leases to core deposits | 109.0420% | 3,862 |
| Total domestic deposits to total assets | 77.7570% | 5,791 |
| Equity capital to assets | 16.6777% | 815 |
| Core capital (leverage) ratio | 8.5701% | 5,445 |
| Tier 1 risk-based capital ratio | 10.2680% | 6,453 |
| Total risk-based capital ratio | 10.8141% | 7,145 |
| Memoranda: | ||
| Average total assets | $616,280,400 | 1,093 |
| Average earning assets | $489,930,000 | 1,255 |
| Average equity | $103,746,200 | 649 |
| Average total loans | $379,397,800 | 1,279 |