Home > Summit State Bank > Performance and Condition Ratios
Summit State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5554% | 1,096 |
| Cost of funding earning assets | 2.2851% | 559 |
| Net interest margin | 3.2703% | 2,706 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1837% | 3,175 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9508% | 2,361 |
| Return on assets (ROA) | 0.9508% | 2,354 |
| Pretax return on assets | 1.3425% | 1,759 |
| Return on Equity (ROE) | 11.5900% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.1101% | 1,502 |
| Net charge-offs to loans | -0.0043% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.4199% | 2,917 |
| Assets per employee ($millions) | 9.7609% | 759 |
| Cash dividends to net income (ytd only)* | 30.0407% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 844 |
| Loan loss allowance to noncurrent loans | 34.4320% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 3.9381% | 40 |
| Noncurrent loans to loans | 4.6345% | 62 |
| Net loans and leases to total assets | 83.6200% | 301 |
| Net loans and leases to deposits | 92.9615% | 1,015 |
| Net loans and leases to core deposits | 148.7481% | 213 |
| Total domestic deposits to total assets | 89.9500% | 767 |
| Equity capital to assets | 8.7018% | 2,899 |
| Core capital (leverage) ratio | 8.8486% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7507% | 2,640 |
| Memoranda: | ||
| Average total assets | $1,138,256,200 | 889 |
| Average earning assets | $1,084,364,400 | 855 |
| Average equity | $93,352,800 | 1,000 |
| Average total loans | $938,560,800 | 764 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 970 |
| Cost of funding earning assets | 2.1529% | 541 |
| Net interest margin | 3.3857% | 2,484 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.2677% | 2,895 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0415% | 2,241 |
| Return on assets (ROA) | 1.0415% | 2,230 |
| Pretax return on assets | 1.4678% | 1,642 |
| Return on Equity (ROE) | 12.8900% | 1,920 |
| Retained earnings to average equity (ytd only) | 9.3649% | 1,585 |
| Net charge-offs to loans | -0.0044% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.9636% | 2,970 |
| Assets per employee ($millions) | 9.7622% | 727 |
| Cash dividends to net income (ytd only)* | 27.3593% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 869 |
| Loan loss allowance to noncurrent loans | 43.0885% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 3.0973% | 66 |
| Noncurrent loans to loans | 3.7337% | 89 |
| Net loans and leases to total assets | 81.6200% | 466 |
| Net loans and leases to deposits | 90.4340% | 1,200 |
| Net loans and leases to core deposits | 101.2608% | 1,247 |
| Total domestic deposits to total assets | 90.2500% | 876 |
| Equity capital to assets | 8.1808% | 2,940 |
| Core capital (leverage) ratio | 8.4670% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4937% | 2,728 |
| Memoranda: | ||
| Average total assets | $1,142,193,250 | 889 |
| Average earning assets | $1,088,236,750 | 858 |
| Average equity | $92,271,500 | 1,006 |
| Average total loans | $934,739,250 | 769 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 768 |
| Cost of funding earning assets | 1.9417% | 563 |
| Net interest margin | 3.6181% | 1,995 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.1996% | 3,078 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2434% | 1,711 |
| Return on assets (ROA) | 1.2434% | 1,708 |
| Pretax return on assets | 1.7627% | 1,089 |
| Return on Equity (ROE) | 15.4600% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.8804% | 1,003 |
| Net charge-offs to loans | -0.0047% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.5439% | 3,564 |
| Assets per employee ($millions) | 9.8425% | 695 |
| Cash dividends to net income (ytd only)* | 23.1376% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 891 |
| Loan loss allowance to noncurrent loans | 58.3729% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 2.2511% | 117 |
| Noncurrent loans to loans | 2.7811% | 162 |
| Net loans and leases to total assets | 79.6300% | 673 |
| Net loans and leases to deposits | 88.2182% | 1,324 |
| Net loans and leases to core deposits | 100.1923% | 1,225 |
| Total domestic deposits to total assets | 90.2600% | 854 |
| Equity capital to assets | 8.1311% | 3,132 |
| Core capital (leverage) ratio | 8.3650% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2347% | 2,814 |
| Memoranda: | ||
| Average total assets | $1,142,199,667 | 877 |
| Average earning assets | $1,088,968,667 | 850 |
| Average equity | $91,882,333 | 1,001 |
| Average total loans | $930,496,000 | 759 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 694 |
| Cost of funding earning assets | 1.7086% | 563 |
| Net interest margin | 3.7161% | 1,863 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.0410% | 3,520 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.4537% | 1,278 |
| Return on assets (ROA) | 1.4537% | 1,254 |
| Pretax return on assets | 2.0523% | 711 |
| Return on Equity (ROE) | 18.1700% | 1,004 |
| Retained earnings to average equity (ytd only) | 14.5289% | 864 |
| Net charge-offs to loans | -0.0056% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.3315% | 4,064 |
| Assets per employee ($millions) | 9.9112% | 725 |
| Cash dividends to net income (ytd only)* | 20.0437% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 906 |
| Loan loss allowance to noncurrent loans | 146.4989% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 494 |
| Noncurrent loans to loans | 1.1281% | 630 |
| Net loans and leases to total assets | 78.9400% | 650 |
| Net loans and leases to deposits | 89.3636% | 1,100 |
| Net loans and leases to core deposits | 103.3201% | 949 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 8.0599% | 3,201 |
| Core capital (leverage) ratio | 8.2985% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4373% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,132,594,000 | 902 |
| Average earning assets | $1,080,171,000 | 870 |
| Average equity | $90,605,500 | 1,026 |
| Average total loans | $925,710,500 | 774 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 280 |
| Cost of funding earning assets | 0.6730% | 665 |
| Net interest margin | 4.3742% | 365 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.2951% | 2,751 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.6703% | 580 |
| Return on assets (ROA) | 1.6706% | 549 |
| Pretax return on assets | 2.3501% | 256 |
| Return on Equity (ROE) | 19.9300% | 488 |
| Retained earnings to average equity (ytd only) | 16.1435% | 218 |
| Net charge-offs to loans | 0.0199% | 1,695 |
| Credit loss provision to net charge-offs | 1,550.8671% | 314 |
| Earnings coverage of net charge-offs (x) | 152.6416% | 781 |
| Efficiency ratio | 46.8864% | 4,303 |
| Assets per employee ($millions) | 10.1196% | 649 |
| Cash dividends to net income (ytd only)* | 19.0123% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 982 |
| Loan loss allowance to noncurrent loans | 395.0745% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,499 |
| Noncurrent loans to loans | 0.4045% | 1,713 |
| Net loans and leases to total assets | 82.0800% | 400 |
| Net loans and leases to deposits | 94.9153% | 718 |
| Net loans and leases to core deposits | 109.2046% | 633 |
| Total domestic deposits to total assets | 86.4800% | 2,577 |
| Equity capital to assets | 7.9545% | 3,087 |
| Core capital (leverage) ratio | 8.5339% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2730% | 2,927 |
| Memoranda: | ||
| Average total assets | $1,015,702,600 | 967 |
| Average earning assets | $969,906,000 | 932 |
| Average equity | $85,124,200 | 1,080 |
| Average total loans | $870,398,600 | 768 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 239 |
| Cost of funding earning assets | 0.5054% | 738 |
| Net interest margin | 4.3895% | 287 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.2805% | 2,689 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.6690% | 571 |
| Return on assets (ROA) | 1.6698% | 552 |
| Pretax return on assets | 2.3596% | 254 |
| Return on Equity (ROE) | 19.6400% | 467 |
| Retained earnings to average equity (ytd only) | 15.8157% | 295 |
| Net charge-offs to loans | -0.0006% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.6183% | 4,346 |
| Assets per employee ($millions) | 9.5763% | 739 |
| Cash dividends to net income (ytd only)* | 19.4845% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,136 |
| Loan loss allowance to noncurrent loans | 359.9949% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 1,430 |
| Noncurrent loans to loans | 0.4348% | 1,722 |
| Net loans and leases to total assets | 85.6100% | 148 |
| Net loans and leases to deposits | 102.8390% | 272 |
| Net loans and leases to core deposits | 117.1960% | 309 |
| Total domestic deposits to total assets | 83.2400% | 3,651 |
| Equity capital to assets | 8.0878% | 2,847 |
| Core capital (leverage) ratio | 8.7133% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5465% | 2,931 |
| Memoranda: | ||
| Average total assets | $991,339,000 | 995 |
| Average earning assets | $946,987,500 | 962 |
| Average equity | $84,268,750 | 1,097 |
| Average total loans | $855,861,750 | 777 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 229 |
| Cost of funding earning assets | 0.4384% | 733 |
| Net interest margin | 4.3359% | 259 |
| Noninterest income to average assets | 0.8582% | 926 |
| Noninterest expense to average assets | 2.3538% | 2,388 |
| Loan and lease loss provision to assets | 0.2278% | 341 |
| Net operating income to assets | 1.7315% | 396 |
| Return on assets (ROA) | 1.7325% | 391 |
| Pretax return on assets | 2.4234% | 183 |
| Return on Equity (ROE) | 20.0337% | 305 |
| Retained earnings to average equity (ytd only) | 16.2103% | 179 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0407% | 4,395 |
| Assets per employee ($millions) | 8.9162% | 912 |
| Cash dividends to net income (ytd only)* | 19.0849% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,202 |
| Loan loss allowance to noncurrent loans | 2,360.0000% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,403 |
| Noncurrent loans to loans | 0.0669% | 3,461 |
| Net loans and leases to total assets | 85.4689% | 110 |
| Net loans and leases to deposits | 102.2360% | 203 |
| Net loans and leases to core deposits | 114.2477% | 276 |
| Total domestic deposits to total assets | 83.5996% | 3,774 |
| Equity capital to assets | 8.6323% | 2,667 |
| Core capital (leverage) ratio | 8.7399% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7734% | 2,869 |
| Memoranda: | ||
| Average total assets | $973,847,667 | 1,000 |
| Average earning assets | $931,060,667 | 979 |
| Average equity | $84,218,000 | 1,113 |
| Average total loans | $838,552,667 | 776 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 232 |
| Cost of funding earning assets | 0.4289% | 728 |
| Net interest margin | 4.2520% | 259 |
| Noninterest income to average assets | 0.7708% | 1,112 |
| Noninterest expense to average assets | 2.5491% | 1,753 |
| Loan and lease loss provision to assets | 0.0556% | 1,386 |
| Net operating income to assets | 1.6201% | 485 |
| Return on assets (ROA) | 1.6220% | 480 |
| Pretax return on assets | 2.2424% | 244 |
| Return on Equity (ROE) | 18.7392% | 292 |
| Retained earnings to average equity (ytd only) | 14.9199% | 293 |
| Net charge-offs to loans | 0.0053% | 1,567 |
| Credit loss provision to net charge-offs | 1,227.2727% | 300 |
| Earnings coverage of net charge-offs (x) | 506.2727% | 206 |
| Efficiency ratio | 52.6164% | 4,148 |
| Assets per employee ($millions) | 9.0989% | 882 |
| Cash dividends to net income (ytd only)* | 20.3812% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 83.2593% | 112 |
| Net loans and leases to deposits | 98.3457% | 221 |
| Net loans and leases to core deposits | 109.4934% | 271 |
| Total domestic deposits to total assets | 84.6599% | 3,622 |
| Equity capital to assets | 8.5184% | 3,142 |
| Core capital (leverage) ratio | 8.4046% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5621% | 2,969 |
| Memoranda: | ||
| Average total assets | $970,379,000 | 1,011 |
| Average earning assets | $929,737,000 | 983 |
| Average equity | $83,995,000 | 1,147 |
| Average total loans | $831,970,000 | 775 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 363 |
| Cost of funding earning assets | 0.4982% | 939 |
| Net interest margin | 4.2904% | 416 |
| Noninterest income to average assets | 0.4939% | 2,601 |
| Noninterest expense to average assets | 2.2013% | 3,082 |
| Loan and lease loss provision to assets | 0.1426% | 840 |
| Net operating income to assets | 1.6137% | 769 |
| Return on assets (ROA) | 1.6194% | 801 |
| Pretax return on assets | 2.3005% | 345 |
| Return on Equity (ROE) | 18.5403% | 416 |
| Retained earnings to average equity (ytd only) | 14.7712% | 245 |
| Net charge-offs to loans | 0.0124% | 2,102 |
| Credit loss provision to net charge-offs | 1,334.0206% | 427 |
| Earnings coverage of net charge-offs (x) | 227.9278% | 494 |
| Efficiency ratio | 47.4708% | 4,440 |
| Assets per employee ($millions) | 9.5808% | 765 |
| Cash dividends to net income (ytd only)* | 20.3293% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,638 |
| Loan loss allowance to noncurrent loans | 2,531.6222% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,631 |
| Noncurrent loans to loans | 0.0584% | 3,659 |
| Net loans and leases to total assets | 85.6909% | 71 |
| Net loans and leases to deposits | 101.1566% | 179 |
| Net loans and leases to core deposits | 113.3836% | 234 |
| Total domestic deposits to total assets | 84.7111% | 3,357 |
| Equity capital to assets | 8.7970% | 3,810 |
| Core capital (leverage) ratio | 8.6508% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5138% | 2,983 |
| Memoranda: | ||
| Average total assets | $907,627,800 | 1,041 |
| Average earning assets | $876,506,800 | 1,002 |
| Average equity | $79,276,000 | 1,215 |
| Average total loans | $783,794,000 | 810 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 413 |
| Cost of funding earning assets | 0.5155% | 973 |
| Net interest margin | 4.2816% | 468 |
| Noninterest income to average assets | 0.4964% | 2,634 |
| Noninterest expense to average assets | 2.2588% | 2,868 |
| Loan and lease loss provision to assets | 0.0499% | 1,997 |
| Net operating income to assets | 1.6339% | 949 |
| Return on assets (ROA) | 1.6405% | 980 |
| Pretax return on assets | 2.3300% | 442 |
| Return on Equity (ROE) | 18.8176% | 534 |
| Retained earnings to average equity (ytd only) | 15.0838% | 386 |
| Net charge-offs to loans | 0.0024% | 2,282 |
| Credit loss provision to net charge-offs | 2,392.8571% | 293 |
| Earnings coverage of net charge-offs (x) | 1,137.1429% | 144 |
| Efficiency ratio | 48.7823% | 4,311 |
| Assets per employee ($millions) | 9.2259% | 829 |
| Cash dividends to net income (ytd only)* | 19.8420% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,921 |
| Loan loss allowance to noncurrent loans | 2,759.7590% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,852 |
| Noncurrent loans to loans | 0.0516% | 3,854 |
| Net loans and leases to total assets | 85.8997% | 68 |
| Net loans and leases to deposits | 105.8073% | 138 |
| Net loans and leases to core deposits | 120.1743% | 183 |
| Total domestic deposits to total assets | 81.1851% | 4,065 |
| Equity capital to assets | 8.8862% | 3,935 |
| Core capital (leverage) ratio | 8.5431% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9483% | 2,979 |
| Memoranda: | ||
| Average total assets | $895,014,750 | 1,061 |
| Average earning assets | $864,166,250 | 1,023 |
| Average equity | $78,024,500 | 1,247 |
| Average total loans | $771,413,500 | 834 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 469 |
| Cost of funding earning assets | 0.5434% | 974 |
| Net interest margin | 4.2473% | 539 |
| Noninterest income to average assets | 0.4656% | 2,778 |
| Noninterest expense to average assets | 2.1905% | 3,125 |
| Loan and lease loss provision to assets | 0.0756% | 1,576 |
| Net operating income to assets | 1.6190% | 1,013 |
| Return on assets (ROA) | 1.6290% | 1,042 |
| Pretax return on assets | 2.3133% | 470 |
| Return on Equity (ROE) | 18.8123% | 560 |
| Retained earnings to average equity (ytd only) | 15.0134% | 427 |
| Net charge-offs to loans | -0.0039% | 3,357 |
| Credit loss provision to net charge-offs | -2,233.3333% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9656% | 4,392 |
| Assets per employee ($millions) | 9.0164% | 857 |
| Cash dividends to net income (ytd only)* | 20.1940% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,590 |
| Loan loss allowance to noncurrent loans | 2,474.5690% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,904 |
| Noncurrent loans to loans | 0.0606% | 3,880 |
| Net loans and leases to total assets | 83.6228% | 147 |
| Net loans and leases to deposits | 98.6944% | 291 |
| Net loans and leases to core deposits | 112.0072% | 317 |
| Total domestic deposits to total assets | 84.7290% | 3,207 |
| Equity capital to assets | 8.7592% | 4,004 |
| Core capital (leverage) ratio | 8.2883% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3302% | 2,893 |
| Memoranda: | ||
| Average total assets | $885,822,333 | 1,064 |
| Average earning assets | $855,366,000 | 1,030 |
| Average equity | $76,705,000 | 1,260 |
| Average total loans | $760,565,667 | 844 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 408 |
| Cost of funding earning assets | 0.5747% | 992 |
| Net interest margin | 4.3327% | 487 |
| Noninterest income to average assets | 0.2738% | 3,761 |
| Noninterest expense to average assets | 2.1656% | 3,217 |
| Loan and lease loss provision to assets | 0.1526% | 848 |
| Net operating income to assets | 1.5088% | 1,309 |
| Return on assets (ROA) | 1.5113% | 1,366 |
| Pretax return on assets | 2.1460% | 751 |
| Return on Equity (ROE) | 17.5575% | 773 |
| Retained earnings to average equity (ytd only) | 13.7040% | 791 |
| Net charge-offs to loans | -0.0047% | 3,371 |
| Credit loss provision to net charge-offs | -3,722.2222% | 3,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5446% | 4,301 |
| Assets per employee ($millions) | 9.1573% | 787 |
| Cash dividends to net income (ytd only)* | 21.9475% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,582 |
| Loan loss allowance to noncurrent loans | 2,457.3876% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,002 |
| Noncurrent loans to loans | 0.0613% | 3,979 |
| Net loans and leases to total assets | 84.4285% | 133 |
| Net loans and leases to deposits | 100.3467% | 277 |
| Net loans and leases to core deposits | 115.0328% | 301 |
| Total domestic deposits to total assets | 84.1368% | 3,390 |
| Equity capital to assets | 8.5008% | 4,115 |
| Core capital (leverage) ratio | 8.0991% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3178% | 2,861 |
| Memoranda: | ||
| Average total assets | $877,912,000 | 1,064 |
| Average earning assets | $848,440,000 | 1,024 |
| Average equity | $75,569,000 | 1,265 |
| Average total loans | $758,118,000 | 845 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 782 |
| Cost of funding earning assets | 0.8061% | 1,180 |
| Net interest margin | 3.9571% | 1,069 |
| Noninterest income to average assets | 0.4060% | 3,065 |
| Noninterest expense to average assets | 2.1814% | 3,714 |
| Loan and lease loss provision to assets | 0.2645% | 1,461 |
| Net operating income to assets | 1.2377% | 1,424 |
| Return on assets (ROA) | 1.3247% | 1,287 |
| Pretax return on assets | 1.8815% | 576 |
| Return on Equity (ROE) | 14.7780% | 671 |
| Retained earnings to average equity (ytd only) | 10.6848% | 472 |
| Net charge-offs to loans | -0.0019% | 3,980 |
| Credit loss provision to net charge-offs | -16,153.8462% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7248% | 4,403 |
| Assets per employee ($millions) | 9.1323% | 707 |
| Cash dividends to net income (ytd only)* | 27.6980% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,073 |
| Loan loss allowance to noncurrent loans | 3,364.3939% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,208 |
| Noncurrent loans to loans | 0.0350% | 4,165 |
| Net loans and leases to total assets | 85.9803% | 97 |
| Net loans and leases to deposits | 102.7045% | 294 |
| Net loans and leases to core deposits | 121.7162% | 290 |
| Total domestic deposits to total assets | 83.7161% | 3,197 |
| Equity capital to assets | 8.7173% | 4,283 |
| Core capital (leverage) ratio | 8.1547% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1583% | 2,878 |
| Memoranda: | ||
| Average total assets | $793,931,400 | 1,064 |
| Average earning assets | $764,709,200 | 1,027 |
| Average equity | $71,166,800 | 1,278 |
| Average total loans | $678,370,600 | 889 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 1,076 |
| Cost of funding earning assets | 0.8649% | 1,192 |
| Net interest margin | 3.8311% | 1,535 |
| Noninterest income to average assets | 0.4595% | 2,796 |
| Noninterest expense to average assets | 2.1676% | 3,755 |
| Loan and lease loss provision to assets | 0.2750% | 1,461 |
| Net operating income to assets | 1.1858% | 1,686 |
| Return on assets (ROA) | 1.3046% | 1,437 |
| Pretax return on assets | 1.8530% | 709 |
| Return on Equity (ROE) | 14.4424% | 805 |
| Retained earnings to average equity (ytd only) | 10.2836% | 703 |
| Net charge-offs to loans | -0.0049% | 4,045 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2893% | 4,317 |
| Assets per employee ($millions) | 8.6855% | 780 |
| Cash dividends to net income (ytd only)* | 28.7955% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,968 |
| Loan loss allowance to noncurrent loans | 3,143.4457% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 4,297 |
| Noncurrent loans to loans | 0.0363% | 4,246 |
| Net loans and leases to total assets | 87.1736% | 101 |
| Net loans and leases to deposits | 105.6441% | 333 |
| Net loans and leases to core deposits | 126.3145% | 298 |
| Total domestic deposits to total assets | 82.5163% | 3,277 |
| Equity capital to assets | 8.8059% | 4,249 |
| Core capital (leverage) ratio | 8.1006% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6277% | 2,753 |
| Memoranda: | ||
| Average total assets | $775,522,000 | 1,070 |
| Average earning assets | $746,129,000 | 1,035 |
| Average equity | $70,051,250 | 1,286 |
| Average total loans | $659,258,250 | 906 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,393 |
| Cost of funding earning assets | 0.9375% | 1,200 |
| Net interest margin | 3.7669% | 1,929 |
| Noninterest income to average assets | 0.4169% | 2,986 |
| Noninterest expense to average assets | 2.2381% | 3,690 |
| Loan and lease loss provision to assets | 0.2910% | 1,477 |
| Net operating income to assets | 1.0438% | 2,172 |
| Return on assets (ROA) | 1.2258% | 1,687 |
| Pretax return on assets | 1.7416% | 910 |
| Return on Equity (ROE) | 13.4461% | 989 |
| Retained earnings to average equity (ytd only) | 9.2184% | 952 |
| Net charge-offs to loans | -0.0038% | 3,931 |
| Credit loss provision to net charge-offs | -9,166.6667% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3948% | 4,017 |
| Assets per employee ($millions) | 9.1469% | 656 |
| Cash dividends to net income (ytd only)* | 31.4415% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 2,998 |
| Loan loss allowance to noncurrent loans | 1,936.3636% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 4,291 |
| Noncurrent loans to loans | 0.0573% | 4,244 |
| Net loans and leases to total assets | 82.5017% | 371 |
| Net loans and leases to deposits | 98.9196% | 610 |
| Net loans and leases to core deposits | 119.3650% | 444 |
| Total domestic deposits to total assets | 83.4028% | 2,960 |
| Equity capital to assets | 8.3742% | 4,549 |
| Core capital (leverage) ratio | 8.2261% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5483% | 2,793 |
| Memoranda: | ||
| Average total assets | $756,094,000 | 1,079 |
| Average earning assets | $727,289,333 | 1,038 |
| Average equity | $68,927,000 | 1,289 |
| Average total loans | $633,927,000 | 920 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 1,253 |
| Cost of funding earning assets | 1.0394% | 1,260 |
| Net interest margin | 3.8381% | 1,854 |
| Noninterest income to average assets | 0.5480% | 2,293 |
| Noninterest expense to average assets | 2.4458% | 3,440 |
| Loan and lease loss provision to assets | 0.3386% | 910 |
| Net operating income to assets | 0.9751% | 2,262 |
| Return on assets (ROA) | 1.3634% | 1,155 |
| Pretax return on assets | 1.9373% | 525 |
| Return on Equity (ROE) | 14.2595% | 652 |
| Retained earnings to average equity (ytd only) | 9.9627% | 751 |
| Net charge-offs to loans | -0.0040% | 3,794 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8175% | 4,025 |
| Assets per employee ($millions) | 7.7596% | 814 |
| Cash dividends to net income (ytd only)* | 30.1325% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,605 |
| Loan loss allowance to noncurrent loans | 1,772.8365% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,302 |
| Noncurrent loans to loans | 0.0683% | 4,261 |
| Net loans and leases to total assets | 83.3374% | 315 |
| Net loans and leases to deposits | 104.7724% | 338 |
| Net loans and leases to core deposits | 122.3753% | 404 |
| Total domestic deposits to total assets | 79.5413% | 3,946 |
| Equity capital to assets | 9.4508% | 4,263 |
| Core capital (leverage) ratio | 9.2892% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5215% | 2,919 |
| Memoranda: | ||
| Average total assets | $708,811,500 | 1,104 |
| Average earning assets | $680,026,000 | 1,067 |
| Average equity | $67,772,500 | 1,301 |
| Average total loans | $596,046,000 | 947 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 2,056 |
| Cost of funding earning assets | 1.1225% | 1,250 |
| Net interest margin | 3.6716% | 2,899 |
| Noninterest income to average assets | 0.3560% | 3,569 |
| Noninterest expense to average assets | 2.4103% | 3,661 |
| Loan and lease loss provision to assets | 0.1073% | 1,939 |
| Net operating income to assets | 0.9939% | 2,871 |
| Return on assets (ROA) | 0.9932% | 2,954 |
| Pretax return on assets | 1.3608% | 2,292 |
| Return on Equity (ROE) | 10.0116% | 2,292 |
| Retained earnings to average equity (ytd only) | 5.5089% | 2,158 |
| Net charge-offs to loans | -0.0074% | 4,399 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1304% | 3,356 |
| Assets per employee ($millions) | 7.6481% | 814 |
| Cash dividends to net income (ytd only)* | 44.9745% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,639 |
| Loan loss allowance to noncurrent loans | 1,471.5217% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,292 |
| Noncurrent loans to loans | 0.0789% | 4,210 |
| Net loans and leases to total assets | 82.8400% | 446 |
| Net loans and leases to deposits | 100.4723% | 574 |
| Net loans and leases to core deposits | 121.4363% | 439 |
| Total domestic deposits to total assets | 82.4506% | 3,379 |
| Equity capital to assets | 9.6762% | 4,199 |
| Core capital (leverage) ratio | 9.2616% | 4,314 |
| Tier 1 risk-based capital ratio | 10.2303% | 5,087 |
| Total risk-based capital ratio | 12.3589% | 4,707 |
| Memoranda: | ||
| Average total assets | $652,166,800 | 1,147 |
| Average earning assets | $625,826,600 | 1,103 |
| Average equity | $64,694,800 | 1,299 |
| Average total loans | $542,739,400 | 995 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 2,201 |
| Cost of funding earning assets | 1.1256% | 1,258 |
| Net interest margin | 3.6483% | 3,101 |
| Noninterest income to average assets | 0.3290% | 3,777 |
| Noninterest expense to average assets | 2.4197% | 3,631 |
| Loan and lease loss provision to assets | 0.1019% | 1,886 |
| Net operating income to assets | 0.9662% | 3,096 |
| Return on assets (ROA) | 0.9652% | 3,181 |
| Pretax return on assets | 1.3033% | 2,660 |
| Return on Equity (ROE) | 9.6657% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.1160% | 2,841 |
| Net charge-offs to loans | -0.0078% | 4,318 |
| Credit loss provision to net charge-offs | -1,580.6452% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2411% | 3,119 |
| Assets per employee ($millions) | 7.6499% | 794 |
| Cash dividends to net income (ytd only)* | 47.0702% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,664 |
| Loan loss allowance to noncurrent loans | 1,106.4189% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,281 |
| Noncurrent loans to loans | 0.1056% | 4,169 |
| Net loans and leases to total assets | 81.3880% | 646 |
| Net loans and leases to deposits | 91.5707% | 1,491 |
| Net loans and leases to core deposits | 115.1441% | 690 |
| Total domestic deposits to total assets | 88.8799% | 658 |
| Equity capital to assets | 9.7679% | 4,242 |
| Core capital (leverage) ratio | 9.4433% | 4,227 |
| Tier 1 risk-based capital ratio | 10.4532% | 5,088 |
| Total risk-based capital ratio | 12.6221% | 4,632 |
| Memoranda: | ||
| Average total assets | $641,214,000 | 1,164 |
| Average earning assets | $614,659,250 | 1,119 |
| Average equity | $64,032,500 | 1,311 |
| Average total loans | $532,595,000 | 1,012 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 2,175 |
| Cost of funding earning assets | 1.1067% | 1,276 |
| Net interest margin | 3.6579% | 3,080 |
| Noninterest income to average assets | 0.2127% | 4,469 |
| Noninterest expense to average assets | 2.5589% | 3,309 |
| Loan and lease loss provision to assets | 0.0892% | 2,061 |
| Net operating income to assets | 0.8288% | 3,547 |
| Return on assets (ROA) | 0.8271% | 3,615 |
| Pretax return on assets | 1.0802% | 3,288 |
| Return on Equity (ROE) | 8.2172% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.6103% | 3,445 |
| Net charge-offs to loans | -0.0073% | 4,228 |
| Credit loss provision to net charge-offs | -1,473.6842% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5931% | 2,430 |
| Assets per employee ($millions) | 6.7619% | 1,111 |
| Cash dividends to net income (ytd only)* | 56.0647% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,695 |
| Loan loss allowance to noncurrent loans | 885.0350% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,194 |
| Noncurrent loans to loans | 0.1317% | 4,086 |
| Net loans and leases to total assets | 84.4329% | 328 |
| Net loans and leases to deposits | 100.8299% | 618 |
| Net loans and leases to core deposits | 123.0399% | 455 |
| Total domestic deposits to total assets | 83.7380% | 2,972 |
| Equity capital to assets | 10.1855% | 3,801 |
| Core capital (leverage) ratio | 9.5068% | 4,136 |
| Tier 1 risk-based capital ratio | 10.7182% | 5,033 |
| Total risk-based capital ratio | 12.9549% | 4,475 |
| Memoranda: | ||
| Average total assets | $628,005,330 | 1,182 |
| Average earning assets | $603,960,330 | 1,133 |
| Average equity | $63,208,670 | 1,321 |
| Average total loans | $523,236,000 | 1,029 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 1,961 |
| Cost of funding earning assets | 1.0960% | 1,198 |
| Net interest margin | 3.6838% | 2,954 |
| Noninterest income to average assets | 0.2583% | 4,162 |
| Noninterest expense to average assets | 2.6408% | 3,081 |
| Loan and lease loss provision to assets | 0.0641% | 2,382 |
| Net operating income to assets | 0.9132% | 3,183 |
| Return on assets (ROA) | 0.9132% | 3,224 |
| Pretax return on assets | 1.1073% | 3,129 |
| Return on Equity (ROE) | 9.1284% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.4649% | 3,139 |
| Net charge-offs to loans | -0.0078% | 4,136 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2721% | 2,462 |
| Assets per employee ($millions) | 6.8075% | 1,086 |
| Cash dividends to net income (ytd only)* | 51.0877% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,638 |
| Loan loss allowance to noncurrent loans | 834.1033% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 4,222 |
| Noncurrent loans to loans | 0.1426% | 4,104 |
| Net loans and leases to total assets | 81.4302% | 653 |
| Net loans and leases to deposits | 91.8477% | 1,419 |
| Net loans and leases to core deposits | 114.3227% | 724 |
| Total domestic deposits to total assets | 88.6578% | 1,013 |
| Equity capital to assets | 10.1175% | 3,706 |
| Core capital (leverage) ratio | 9.5521% | 4,070 |
| Tier 1 risk-based capital ratio | 10.6575% | 5,129 |
| Total risk-based capital ratio | 11.8091% | 5,060 |
| Memoranda: | ||
| Average total assets | $624,197,000 | 1,189 |
| Average earning assets | $602,205,500 | 1,139 |
| Average equity | $62,442,500 | 1,326 |
| Average total loans | $513,353,000 | 1,049 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 2,675 |
| Cost of funding earning assets | 0.6837% | 2,184 |
| Net interest margin | 3.7427% | 2,889 |
| Noninterest income to average assets | 0.2890% | 4,171 |
| Noninterest expense to average assets | 2.4746% | 3,688 |
| Loan and lease loss provision to assets | 0.0886% | 2,371 |
| Net operating income to assets | 0.9705% | 3,137 |
| Return on assets (ROA) | 0.9740% | 3,123 |
| Pretax return on assets | 1.3446% | 2,344 |
| Return on Equity (ROE) | 9.6596% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.8323% | 2,872 |
| Net charge-offs to loans | -0.0554% | 5,006 |
| Credit loss provision to net charge-offs | -201.5209% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3977% | 3,276 |
| Assets per employee ($millions) | 7.1506% | 919 |
| Cash dividends to net income (ytd only)* | 49.9743% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 2,668 |
| Loan loss allowance to noncurrent loans | 283.9849% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,184 |
| Noncurrent loans to loans | 0.4158% | 3,046 |
| Net loans and leases to total assets | 81.1036% | 792 |
| Net loans and leases to deposits | 100.6704% | 695 |
| Net loans and leases to core deposits | 121.5687% | 506 |
| Total domestic deposits to total assets | 80.5635% | 3,982 |
| Equity capital to assets | 9.8890% | 3,771 |
| Core capital (leverage) ratio | 9.8606% | 3,732 |
| Tier 1 risk-based capital ratio | 10.4894% | 5,184 |
| Total risk-based capital ratio | 11.6062% | 5,138 |
| Memoranda: | ||
| Average total assets | $598,228,800 | 1,205 |
| Average earning assets | $577,710,200 | 1,164 |
| Average equity | $60,323,600 | 1,314 |
| Average total loans | $474,629,200 | 1,099 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 2,747 |
| Cost of funding earning assets | 0.6196% | 2,337 |
| Net interest margin | 3.7451% | 2,847 |
| Noninterest income to average assets | 0.2918% | 4,204 |
| Noninterest expense to average assets | 2.3743% | 3,915 |
| Loan and lease loss provision to assets | 0.0855% | 2,259 |
| Net operating income to assets | 1.0562% | 2,844 |
| Return on assets (ROA) | 1.0594% | 2,836 |
| Pretax return on assets | 1.4525% | 2,052 |
| Return on Equity (ROE) | 10.4532% | 2,409 |
| Retained earnings to average equity (ytd only) | 5.6020% | 2,885 |
| Net charge-offs to loans | -0.0647% | 5,024 |
| Credit loss provision to net charge-offs | -168.1416% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7511% | 3,696 |
| Assets per employee ($millions) | 6.8419% | 1,004 |
| Cash dividends to net income (ytd only)* | 46.4089% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,632 |
| Loan loss allowance to noncurrent loans | 269.2166% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 3,209 |
| Noncurrent loans to loans | 0.4453% | 3,056 |
| Net loans and leases to total assets | 80.8777% | 889 |
| Net loans and leases to deposits | 95.5098% | 1,208 |
| Net loans and leases to core deposits | 113.7569% | 831 |
| Total domestic deposits to total assets | 84.6800% | 2,726 |
| Equity capital to assets | 10.1637% | 3,482 |
| Core capital (leverage) ratio | 10.0531% | 3,577 |
| Tier 1 risk-based capital ratio | 10.9236% | 5,074 |
| Total risk-based capital ratio | 12.0381% | 5,039 |
| Memoranda: | ||
| Average total assets | $592,260,000 | 1,220 |
| Average earning assets | $571,927,250 | 1,176 |
| Average equity | $60,024,500 | 1,322 |
| Average total loans | $465,642,000 | 1,115 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,901 |
| Cost of funding earning assets | 0.5666% | 2,458 |
| Net interest margin | 3.6957% | 2,944 |
| Noninterest income to average assets | 0.3356% | 3,937 |
| Noninterest expense to average assets | 2.3008% | 4,139 |
| Loan and lease loss provision to assets | 0.1015% | 1,918 |
| Net operating income to assets | 1.0785% | 2,668 |
| Return on assets (ROA) | 1.0828% | 2,662 |
| Pretax return on assets | 1.5086% | 1,785 |
| Return on Equity (ROE) | 10.6938% | 2,235 |
| Retained earnings to average equity (ytd only) | 5.8263% | 2,651 |
| Net charge-offs to loans | -0.1043% | 5,176 |
| Credit loss provision to net charge-offs | -125.5230% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9122% | 4,101 |
| Assets per employee ($millions) | 6.9756% | 930 |
| Cash dividends to net income (ytd only)* | 45.5170% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,553 |
| Loan loss allowance to noncurrent loans | 221.6040% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 2,951 |
| Noncurrent loans to loans | 0.5549% | 2,750 |
| Net loans and leases to total assets | 79.1631% | 1,141 |
| Net loans and leases to deposits | 89.6655% | 1,885 |
| Net loans and leases to core deposits | 110.1173% | 991 |
| Total domestic deposits to total assets | 88.2871% | 1,225 |
| Equity capital to assets | 10.2737% | 3,366 |
| Core capital (leverage) ratio | 10.0348% | 3,540 |
| Tier 1 risk-based capital ratio | 11.3010% | 4,899 |
| Total risk-based capital ratio | 12.4559% | 4,845 |
| Memoranda: | ||
| Average total assets | $591,265,670 | 1,220 |
| Average earning assets | $571,151,000 | 1,180 |
| Average equity | $59,866,330 | 1,327 |
| Average total loans | $458,435,670 | 1,130 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 2,831 |
| Cost of funding earning assets | 0.5155% | 2,673 |
| Net interest margin | 3.7017% | 2,788 |
| Noninterest income to average assets | 0.4095% | 3,398 |
| Noninterest expense to average assets | 2.2858% | 4,217 |
| Loan and lease loss provision to assets | 0.1010% | 1,836 |
| Net operating income to assets | 1.1681% | 2,144 |
| Return on assets (ROA) | 1.1719% | 2,135 |
| Pretax return on assets | 1.6063% | 1,378 |
| Return on Equity (ROE) | 11.6583% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.7739% | 2,378 |
| Net charge-offs to loans | -0.1802% | 5,356 |
| Credit loss provision to net charge-offs | -73.5294% | 3,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3117% | 4,430 |
| Assets per employee ($millions) | 7.5919% | 739 |
| Cash dividends to net income (ytd only)* | 41.8966% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,762 |
| Loan loss allowance to noncurrent loans | 208.6599% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,990 |
| Noncurrent loans to loans | 0.5788% | 2,807 |
| Net loans and leases to total assets | 79.2495% | 1,041 |
| Net loans and leases to deposits | 90.7510% | 1,596 |
| Net loans and leases to core deposits | 123.0665% | 498 |
| Total domestic deposits to total assets | 87.3263% | 1,995 |
| Equity capital to assets | 10.3509% | 3,218 |
| Core capital (leverage) ratio | 9.9557% | 3,582 |
| Tier 1 risk-based capital ratio | 11.3241% | 4,965 |
| Total risk-based capital ratio | 12.4639% | 4,921 |
| Memoranda: | ||
| Average total assets | $593,923,500 | 1,223 |
| Average earning assets | $574,226,500 | 1,182 |
| Average equity | $59,700,000 | 1,337 |
| Average total loans | $452,838,000 | 1,146 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,614 |
| Cost of funding earning assets | 0.4072% | 3,185 |
| Net interest margin | 3.5323% | 3,415 |
| Noninterest income to average assets | 0.1961% | 4,971 |
| Noninterest expense to average assets | 2.4345% | 3,976 |
| Loan and lease loss provision to assets | 0.0954% | 2,297 |
| Net operating income to assets | 0.5955% | 4,028 |
| Return on assets (ROA) | 0.6039% | 4,028 |
| Pretax return on assets | 1.0864% | 3,240 |
| Return on Equity (ROE) | 5.5137% | 3,954 |
| Retained earnings to average equity (ytd only) | 0.9061% | 4,660 |
| Net charge-offs to loans | 0.0127% | 3,640 |
| Credit loss provision to net charge-offs | 1,061.2245% | 341 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 523 |
| Efficiency ratio | 67.5678% | 2,982 |
| Assets per employee ($millions) | 8.4842% | 536 |
| Cash dividends to net income (ytd only)* | 83.5662% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,881 |
| Loan loss allowance to noncurrent loans | 191.7246% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 3,078 |
| Noncurrent loans to loans | 0.6167% | 2,688 |
| Net loans and leases to total assets | 71.6353% | 2,282 |
| Net loans and leases to deposits | 82.0211% | 2,715 |
| Net loans and leases to core deposits | 110.8731% | 963 |
| Total domestic deposits to total assets | 87.3376% | 1,843 |
| Equity capital to assets | 9.7693% | 3,947 |
| Core capital (leverage) ratio | 10.2328% | 3,149 |
| Tier 1 risk-based capital ratio | 11.5847% | 4,801 |
| Total risk-based capital ratio | 12.6992% | 4,772 |
| Memoranda: | ||
| Average total assets | $545,115,800 | 1,289 |
| Average earning assets | $525,772,600 | 1,244 |
| Average equity | $59,705,400 | 1,317 |
| Average total loans | $386,306,200 | 1,272 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,598 |
| Cost of funding earning assets | 0.3952% | 3,248 |
| Net interest margin | 3.5309% | 3,385 |
| Noninterest income to average assets | 0.1387% | 5,313 |
| Noninterest expense to average assets | 2.3500% | 4,156 |
| Loan and lease loss provision to assets | 0.0429% | 3,244 |
| Net operating income to assets | 0.7002% | 3,980 |
| Return on assets (ROA) | 0.7094% | 3,998 |
| Pretax return on assets | 1.1624% | 3,053 |
| Return on Equity (ROE) | 6.2810% | 3,992 |
| Retained earnings to average equity (ytd only) | 1.7573% | 4,722 |
| Net charge-offs to loans | 0.0204% | 3,085 |
| Credit loss provision to net charge-offs | 298.2456% | 995 |
| Earnings coverage of net charge-offs (x) | 82.8400% | 792 |
| Efficiency ratio | 66.3675% | 3,154 |
| Assets per employee ($millions) | 7.0920% | 915 |
| Cash dividends to net income (ytd only)* | 72.0229% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,818 |
| Loan loss allowance to noncurrent loans | 155.2514% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 2,773 |
| Noncurrent loans to loans | 0.7845% | 2,400 |
| Net loans and leases to total assets | 73.4036% | 2,025 |
| Net loans and leases to deposits | 89.4559% | 1,877 |
| Net loans and leases to core deposits | 130.6937% | 330 |
| Total domestic deposits to total assets | 82.0556% | 3,760 |
| Equity capital to assets | 11.2217% | 2,644 |
| Core capital (leverage) ratio | 10.4202% | 3,066 |
| Tier 1 risk-based capital ratio | 12.6886% | 4,213 |
| Total risk-based capital ratio | 13.8201% | 4,182 |
| Memoranda: | ||
| Average total assets | $528,678,750 | 1,340 |
| Average earning assets | $509,391,250 | 1,290 |
| Average equity | $59,712,500 | 1,325 |
| Average total loans | $372,175,250 | 1,321 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,627 |
| Cost of funding earning assets | 0.3463% | 3,619 |
| Net interest margin | 3.5337% | 3,281 |
| Noninterest income to average assets | 0.1317% | 5,389 |
| Noninterest expense to average assets | 2.3662% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6868% | 3,905 |
| Return on assets (ROA) | 0.6900% | 3,954 |
| Pretax return on assets | 1.1739% | 2,879 |
| Return on Equity (ROE) | 6.0953% | 4,002 |
| Retained earnings to average equity (ytd only) | 1.7189% | 4,563 |
| Net charge-offs to loans | 0.0347% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 48.7302% | 1,095 |
| Efficiency ratio | 66.9324% | 3,193 |
| Assets per employee ($millions) | 7.4650% | 753 |
| Cash dividends to net income (ytd only)* | 71.7991% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,584 |
| Loan loss allowance to noncurrent loans | 179.7401% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 3,142 |
| Noncurrent loans to loans | 0.7052% | 2,639 |
| Net loans and leases to total assets | 68.1436% | 2,796 |
| Net loans and leases to deposits | 89.7625% | 1,762 |
| Net loans and leases to core deposits | 134.4346% | 244 |
| Total domestic deposits to total assets | 75.9154% | 5,105 |
| Equity capital to assets | 11.2449% | 2,552 |
| Core capital (leverage) ratio | 10.6812% | 2,724 |
| Tier 1 risk-based capital ratio | 13.1909% | 3,888 |
| Total risk-based capital ratio | 14.3309% | 3,864 |
| Memoranda: | ||
| Average total assets | $525,240,670 | 1,352 |
| Average earning assets | $505,865,670 | 1,304 |
| Average equity | $59,455,330 | 1,328 |
| Average total loans | $362,727,670 | 1,345 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 3,511 |
| Cost of funding earning assets | 0.3051% | 3,992 |
| Net interest margin | 3.5645% | 3,027 |
| Noninterest income to average assets | 0.1333% | 5,450 |
| Noninterest expense to average assets | 2.4172% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6724% | 3,826 |
| Return on assets (ROA) | 0.6788% | 3,833 |
| Pretax return on assets | 1.1558% | 2,757 |
| Return on Equity (ROE) | 5.9766% | 3,919 |
| Retained earnings to average equity (ytd only) | 2.0555% | 4,317 |
| Net charge-offs to loans | -0.0100% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8417% | 3,226 |
| Assets per employee ($millions) | 7.2852% | 824 |
| Cash dividends to net income (ytd only)* | 65.6073% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,368 |
| Loan loss allowance to noncurrent loans | 147.3912% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,783 |
| Noncurrent loans to loans | 0.9052% | 2,227 |
| Net loans and leases to total assets | 67.3060% | 2,772 |
| Net loans and leases to deposits | 88.2290% | 1,765 |
| Net loans and leases to core deposits | 130.9004% | 255 |
| Total domestic deposits to total assets | 76.2856% | 5,202 |
| Equity capital to assets | 11.3062% | 2,349 |
| Core capital (leverage) ratio | 10.9541% | 2,402 |
| Tier 1 risk-based capital ratio | 13.6228% | 3,703 |
| Total risk-based capital ratio | 14.8220% | 3,646 |
| Memoranda: | ||
| Average total assets | $519,120,500 | 1,368 |
| Average earning assets | $499,485,500 | 1,318 |
| Average equity | $58,963,500 | 1,335 |
| Average total loans | $358,611,000 | 1,369 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,188 |
| Cost of funding earning assets | 0.2480% | 4,585 |
| Net interest margin | 3.7553% | 2,481 |
| Noninterest income to average assets | 0.1492% | 5,452 |
| Noninterest expense to average assets | 2.2637% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8766% | 2,949 |
| Return on assets (ROA) | 0.9623% | 2,633 |
| Pretax return on assets | 1.6368% | 1,173 |
| Return on Equity (ROE) | 8.4414% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.5232% | 2,685 |
| Net charge-offs to loans | -0.0094% | 4,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1008% | 4,569 |
| Assets per employee ($millions) | 7.1348% | 865 |
| Cash dividends to net income (ytd only)* | 46.4171% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,398 |
| Loan loss allowance to noncurrent loans | 142.1964% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 2,775 |
| Noncurrent loans to loans | 0.9324% | 2,224 |
| Net loans and leases to total assets | 69.0355% | 2,616 |
| Net loans and leases to deposits | 92.2933% | 1,409 |
| Net loans and leases to core deposits | 133.4214% | 245 |
| Total domestic deposits to total assets | 74.8001% | 5,369 |
| Equity capital to assets | 11.4116% | 2,238 |
| Core capital (leverage) ratio | 11.0770% | 2,278 |
| Tier 1 risk-based capital ratio | 13.4741% | 3,785 |
| Total risk-based capital ratio | 14.6520% | 3,732 |
| Memoranda: | ||
| Average total assets | $516,239,600 | 1,329 |
| Average earning assets | $497,265,800 | 1,281 |
| Average equity | $58,852,600 | 1,313 |
| Average total loans | $362,501,600 | 1,298 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,237 |
| Cost of funding earning assets | 0.2498% | 4,604 |
| Net interest margin | 3.7489% | 2,521 |
| Noninterest income to average assets | 0.1494% | 5,518 |
| Noninterest expense to average assets | 2.2757% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8646% | 3,077 |
| Return on assets (ROA) | 0.9751% | 2,674 |
| Pretax return on assets | 1.6584% | 1,227 |
| Return on Equity (ROE) | 8.5552% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.6442% | 3,061 |
| Net charge-offs to loans | -0.0099% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4992% | 4,465 |
| Assets per employee ($millions) | 7.6667% | 677 |
| Cash dividends to net income (ytd only)* | 45.7143% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,729 |
| Loan loss allowance to noncurrent loans | 138.7172% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 2,904 |
| Noncurrent loans to loans | 0.9318% | 2,383 |
| Net loans and leases to total assets | 70.7336% | 2,384 |
| Net loans and leases to deposits | 94.9377% | 1,156 |
| Net loans and leases to core deposits | 135.7164% | 235 |
| Total domestic deposits to total assets | 74.5053% | 5,382 |
| Equity capital to assets | 11.7352% | 2,313 |
| Core capital (leverage) ratio | 10.9844% | 2,461 |
| Tier 1 risk-based capital ratio | 13.2438% | 4,008 |
| Total risk-based capital ratio | 14.4099% | 3,967 |
| Memoranda: | ||
| Average total assets | $516,873,500 | 1,331 |
| Average earning assets | $498,014,250 | 1,281 |
| Average equity | $58,910,250 | 1,320 |
| Average total loans | $363,276,250 | 1,293 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,081 |
| Cost of funding earning assets | 0.2538% | 4,619 |
| Net interest margin | 3.7923% | 2,353 |
| Noninterest income to average assets | 0.1444% | 5,585 |
| Noninterest expense to average assets | 2.3659% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8270% | 3,183 |
| Return on assets (ROA) | 0.9970% | 2,545 |
| Pretax return on assets | 1.6967% | 1,098 |
| Return on Equity (ROE) | 8.8343% | 2,571 |
| Retained earnings to average equity (ytd only) | 4.8962% | 2,797 |
| Net charge-offs to loans | -0.0072% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3106% | 4,295 |
| Assets per employee ($millions) | 8.2267% | 523 |
| Cash dividends to net income (ytd only)* | 44.5778% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,941 |
| Loan loss allowance to noncurrent loans | 204.0430% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,720 |
| Noncurrent loans to loans | 0.6237% | 3,202 |
| Net loans and leases to total assets | 71.0102% | 2,325 |
| Net loans and leases to deposits | 92.9958% | 1,392 |
| Net loans and leases to core deposits | 136.0146% | 220 |
| Total domestic deposits to total assets | 76.3585% | 5,242 |
| Equity capital to assets | 11.4722% | 2,571 |
| Core capital (leverage) ratio | 10.6153% | 2,834 |
| Tier 1 risk-based capital ratio | 13.0206% | 4,189 |
| Total risk-based capital ratio | 14.1747% | 4,162 |
| Memoranda: | ||
| Average total assets | $517,942,000 | 1,337 |
| Average earning assets | $498,847,000 | 1,286 |
| Average equity | $58,453,670 | 1,332 |
| Average total loans | $361,670,330 | 1,297 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,096 |
| Cost of funding earning assets | 0.2653% | 4,545 |
| Net interest margin | 3.7695% | 2,404 |
| Noninterest income to average assets | 0.1414% | 5,640 |
| Noninterest expense to average assets | 2.1322% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9602% | 2,460 |
| Return on assets (ROA) | 1.0259% | 2,296 |
| Pretax return on assets | 1.7452% | 953 |
| Return on Equity (ROE) | 9.1663% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.2044% | 2,816 |
| Net charge-offs to loans | -0.0045% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4879% | 5,151 |
| Assets per employee ($millions) | 8.2886% | 510 |
| Cash dividends to net income (ytd only)* | 43.2229% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,896 |
| Loan loss allowance to noncurrent loans | 176.0223% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 3,537 |
| Noncurrent loans to loans | 0.7384% | 2,989 |
| Net loans and leases to total assets | 68.8559% | 2,521 |
| Net loans and leases to deposits | 88.3203% | 1,792 |
| Net loans and leases to core deposits | 129.3035% | 283 |
| Total domestic deposits to total assets | 77.9615% | 5,154 |
| Equity capital to assets | 11.2179% | 2,714 |
| Core capital (leverage) ratio | 10.3189% | 3,169 |
| Tier 1 risk-based capital ratio | 13.1186% | 4,182 |
| Total risk-based capital ratio | 14.2942% | 4,151 |
| Memoranda: | ||
| Average total assets | $517,773,500 | 1,337 |
| Average earning assets | $499,059,500 | 1,290 |
| Average equity | $57,951,500 | 1,335 |
| Average total loans | $356,118,000 | 1,305 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,475 |
| Cost of funding earning assets | 0.1995% | 5,291 |
| Net interest margin | 3.7592% | 2,525 |
| Noninterest income to average assets | 0.3998% | 4,038 |
| Noninterest expense to average assets | 2.1041% | 5,250 |
| Loan and lease loss provision to assets | -0.1636% | 5,939 |
| Net operating income to assets | 1.2125% | 1,510 |
| Return on assets (ROA) | 1.2330% | 1,498 |
| Pretax return on assets | 2.0977% | 437 |
| Return on Equity (ROE) | 9.4019% | 2,270 |
| Retained earnings to average equity (ytd only) | 5.6786% | 1,968 |
| Net charge-offs to loans | -0.1219% | 5,833 |
| Credit loss provision to net charge-offs | 206.7183% | 1,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5214% | 5,606 |
| Assets per employee ($millions) | 7.8979% | 581 |
| Cash dividends to net income (ytd only)* | 39.6020% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,618 |
| Loan loss allowance to noncurrent loans | 293.8509% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 4,339 |
| Noncurrent loans to loans | 0.4627% | 3,810 |
| Net loans and leases to total assets | 66.8563% | 2,867 |
| Net loans and leases to deposits | 86.3991% | 2,077 |
| Net loans and leases to core deposits | 126.0543% | 335 |
| Total domestic deposits to total assets | 77.3808% | 5,258 |
| Equity capital to assets | 11.1665% | 2,661 |
| Core capital (leverage) ratio | 10.5303% | 2,897 |
| Tier 1 risk-based capital ratio | 13.4545% | 4,027 |
| Total risk-based capital ratio | 14.6735% | 3,985 |
| Memoranda: | ||
| Average total assets | $489,052,200 | 1,380 |
| Average earning assets | $469,167,800 | 1,320 |
| Average equity | $64,135,800 | 1,176 |
| Average total loans | $317,458,000 | 1,395 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,562 |
| Cost of funding earning assets | 0.1970% | 5,402 |
| Net interest margin | 3.7484% | 2,567 |
| Noninterest income to average assets | 0.4897% | 3,445 |
| Noninterest expense to average assets | 2.1047% | 5,263 |
| Loan and lease loss provision to assets | -0.2208% | 6,115 |
| Net operating income to assets | 1.2911% | 1,366 |
| Return on assets (ROA) | 1.3102% | 1,364 |
| Pretax return on assets | 2.2289% | 386 |
| Return on Equity (ROE) | 9.6112% | 2,255 |
| Retained earnings to average equity (ytd only) | 5.9417% | 2,283 |
| Net charge-offs to loans | -0.1377% | 5,898 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5483% | 5,677 |
| Assets per employee ($millions) | 7.8994% | 568 |
| Cash dividends to net income (ytd only)* | 38.1795% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 2,635 |
| Loan loss allowance to noncurrent loans | 334.0974% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,662 |
| Noncurrent loans to loans | 0.4167% | 4,109 |
| Net loans and leases to total assets | 65.3379% | 3,104 |
| Net loans and leases to deposits | 83.9228% | 2,417 |
| Net loans and leases to core deposits | 121.7048% | 430 |
| Total domestic deposits to total assets | 77.8548% | 5,213 |
| Equity capital to assets | 11.2724% | 2,729 |
| Core capital (leverage) ratio | 10.5924% | 2,932 |
| Tier 1 risk-based capital ratio | 13.6656% | 4,045 |
| Total risk-based capital ratio | 14.8994% | 3,980 |
| Memoranda: | ||
| Average total assets | $482,974,000 | 1,397 |
| Average earning assets | $462,980,500 | 1,344 |
| Average equity | $65,838,500 | 1,156 |
| Average total loans | $309,835,500 | 1,434 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,562 |
| Cost of funding earning assets | 0.1942% | 5,493 |
| Net interest margin | 3.7385% | 2,548 |
| Noninterest income to average assets | 0.6663% | 2,379 |
| Noninterest expense to average assets | 2.1214% | 5,292 |
| Loan and lease loss provision to assets | -0.3365% | 6,241 |
| Net operating income to assets | 1.4448% | 1,001 |
| Return on assets (ROA) | 1.4588% | 1,019 |
| Pretax return on assets | 2.4819% | 257 |
| Return on Equity (ROE) | 10.0831% | 2,033 |
| Retained earnings to average equity (ytd only) | 6.5447% | 1,926 |
| Net charge-offs to loans | -0.0882% | 5,738 |
| Credit loss provision to net charge-offs | 601.5038% | 546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9752% | 5,856 |
| Assets per employee ($millions) | 7.5736% | 649 |
| Cash dividends to net income (ytd only)* | 35.0923% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,803 |
| Loan loss allowance to noncurrent loans | 310.6870% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 4,703 |
| Noncurrent loans to loans | 0.4477% | 4,129 |
| Net loans and leases to total assets | 64.4725% | 3,199 |
| Net loans and leases to deposits | 88.3090% | 1,793 |
| Net loans and leases to core deposits | 122.6863% | 398 |
| Total domestic deposits to total assets | 73.0078% | 5,869 |
| Equity capital to assets | 14.0669% | 961 |
| Core capital (leverage) ratio | 13.7274% | 922 |
| Tier 1 risk-based capital ratio | 17.5864% | 2,190 |
| Total risk-based capital ratio | 18.8048% | 2,153 |
| Memoranda: | ||
| Average total assets | $475,444,000 | 1,434 |
| Average earning assets | $455,098,000 | 1,374 |
| Average equity | $68,788,330 | 1,116 |
| Average total loans | $301,451,000 | 1,471 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,512 |
| Cost of funding earning assets | 0.1999% | 5,513 |
| Net interest margin | 3.7243% | 2,535 |
| Noninterest income to average assets | 1.2076% | 780 |
| Noninterest expense to average assets | 2.2568% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4749% | 894 |
| Return on assets (ROA) | 1.4749% | 953 |
| Pretax return on assets | 2.5095% | 238 |
| Return on Equity (ROE) | 10.0470% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.4996% | 2,239 |
| Net charge-offs to loans | -0.1731% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3495% | 6,051 |
| Assets per employee ($millions) | 7.7766% | 600 |
| Cash dividends to net income (ytd only)* | 35.3078% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 1,559 |
| Loan loss allowance to noncurrent loans | 323.3129% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 4,626 |
| Noncurrent loans to loans | 0.5478% | 3,941 |
| Net loans and leases to total assets | 61.6131% | 3,430 |
| Net loans and leases to deposits | 79.8109% | 2,578 |
| Net loans and leases to core deposits | 114.4820% | 560 |
| Total domestic deposits to total assets | 77.1988% | 5,583 |
| Equity capital to assets | 14.6584% | 789 |
| Core capital (leverage) ratio | 13.9117% | 850 |
| Tier 1 risk-based capital ratio | 18.1737% | 2,089 |
| Total risk-based capital ratio | 19.4270% | 2,043 |
| Memoranda: | ||
| Average total assets | $467,024,500 | 1,462 |
| Average earning assets | $446,254,500 | 1,411 |
| Average equity | $68,558,000 | 1,125 |
| Average total loans | $291,244,500 | 1,515 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 3,284 |
| Cost of funding earning assets | 0.2330% | 5,495 |
| Net interest margin | 3.8789% | 2,320 |
| Noninterest income to average assets | 0.2680% | 5,212 |
| Noninterest expense to average assets | 2.2730% | 5,182 |
| Loan and lease loss provision to assets | -0.3043% | 6,373 |
| Net operating income to assets | 1.1588% | 1,728 |
| Return on assets (ROA) | 1.1920% | 1,678 |
| Pretax return on assets | 2.0276% | 487 |
| Return on Equity (ROE) | 8.4851% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.0183% | 2,587 |
| Net charge-offs to loans | -0.3902% | 6,364 |
| Credit loss provision to net charge-offs | 123.6749% | 1,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4711% | 5,518 |
| Assets per employee ($millions) | 7.6612% | 615 |
| Cash dividends to net income (ytd only)* | 40.8569% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 1,519 |
| Loan loss allowance to noncurrent loans | 283.5722% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 2,209 |
| Noncurrent loans to loans | 0.6366% | 3,776 |
| Net loans and leases to total assets | 60.8688% | 3,657 |
| Net loans and leases to deposits | 78.7589% | 2,873 |
| Net loans and leases to core deposits | 117.8961% | 469 |
| Total domestic deposits to total assets | 77.2850% | 5,556 |
| Equity capital to assets | 14.7017% | 759 |
| Core capital (leverage) ratio | 13.7197% | 894 |
| Tier 1 risk-based capital ratio | 18.3258% | 2,044 |
| Total risk-based capital ratio | 19.5789% | 2,005 |
| Memoranda: | ||
| Average total assets | $460,145,600 | 1,453 |
| Average earning assets | $436,127,200 | 1,405 |
| Average equity | $64,642,800 | 1,138 |
| Average total loans | $290,136,200 | 1,474 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,224 |
| Cost of funding earning assets | 0.2382% | 5,528 |
| Net interest margin | 3.8991% | 2,249 |
| Noninterest income to average assets | 0.2694% | 5,278 |
| Noninterest expense to average assets | 2.2885% | 5,138 |
| Loan and lease loss provision to assets | -0.1159% | 6,305 |
| Net operating income to assets | 1.0510% | 2,232 |
| Return on assets (ROA) | 1.0646% | 2,241 |
| Pretax return on assets | 1.8114% | 874 |
| Return on Equity (ROE) | 7.6670% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.1621% | 3,692 |
| Net charge-offs to loans | 0.0178% | 4,174 |
| Credit loss provision to net charge-offs | -1,025.6410% | 5,879 |
| Earnings coverage of net charge-offs (x) | 148.2013% | 420 |
| Efficiency ratio | 57.5439% | 5,500 |
| Assets per employee ($millions) | 7.5963% | 615 |
| Cash dividends to net income (ytd only)* | 45.7142% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 1,934 |
| Loan loss allowance to noncurrent loans | 149.1602% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 1,911 |
| Noncurrent loans to loans | 1.1466% | 2,766 |
| Net loans and leases to total assets | 61.6797% | 3,536 |
| Net loans and leases to deposits | 78.3262% | 2,911 |
| Net loans and leases to core deposits | 114.7417% | 559 |
| Total domestic deposits to total assets | 78.7473% | 5,381 |
| Equity capital to assets | 14.1906% | 942 |
| Core capital (leverage) ratio | 13.3117% | 1,057 |
| Tier 1 risk-based capital ratio | 17.7258% | 2,306 |
| Total risk-based capital ratio | 18.9782% | 2,266 |
| Memoranda: | ||
| Average total assets | $460,263,500 | 1,461 |
| Average earning assets | $435,982,750 | 1,417 |
| Average equity | $63,908,500 | 1,155 |
| Average total loans | $291,434,750 | 1,478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 3,282 |
| Cost of funding earning assets | 0.2398% | 5,585 |
| Net interest margin | 3.8753% | 2,278 |
| Noninterest income to average assets | 0.2526% | 5,388 |
| Noninterest expense to average assets | 2.2542% | 5,273 |
| Loan and lease loss provision to assets | -0.1742% | 6,445 |
| Net operating income to assets | 1.0812% | 2,005 |
| Return on assets (ROA) | 1.0849% | 2,053 |
| Pretax return on assets | 1.8453% | 764 |
| Return on Equity (ROE) | 7.8714% | 3,176 |
| Retained earnings to average equity (ytd only) | 4.3354% | 3,413 |
| Net charge-offs to loans | 0.0315% | 3,565 |
| Credit loss provision to net charge-offs | -869.5652% | 5,695 |
| Earnings coverage of net charge-offs (x) | 83.1304% | 637 |
| Efficiency ratio | 57.2000% | 5,638 |
| Assets per employee ($millions) | 7.5979% | 589 |
| Cash dividends to net income (ytd only)* | 44.9217% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 2,160 |
| Loan loss allowance to noncurrent loans | 110.8977% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.8402% | 1,765 |
| Noncurrent loans to loans | 1.5240% | 2,279 |
| Net loans and leases to total assets | 62.3249% | 3,354 |
| Net loans and leases to deposits | 80.4011% | 2,461 |
| Net loans and leases to core deposits | 117.0874% | 452 |
| Total domestic deposits to total assets | 77.5174% | 5,715 |
| Equity capital to assets | 14.0227% | 958 |
| Core capital (leverage) ratio | 13.4176% | 1,008 |
| Tier 1 risk-based capital ratio | 17.4082% | 2,458 |
| Total risk-based capital ratio | 18.6604% | 2,420 |
| Memoranda: | ||
| Average total assets | $459,226,000 | 1,460 |
| Average earning assets | $434,550,000 | 1,418 |
| Average equity | $63,292,670 | 1,157 |
| Average total loans | $291,652,330 | 1,469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 2,895 |
| Cost of funding earning assets | 0.2399% | 5,674 |
| Net interest margin | 3.9557% | 1,906 |
| Noninterest income to average assets | 0.2879% | 5,069 |
| Noninterest expense to average assets | 2.2227% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0588% | 1,969 |
| Return on assets (ROA) | 1.0588% | 2,044 |
| Pretax return on assets | 1.8018% | 796 |
| Return on Equity (ROE) | 7.7510% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.1638% | 3,633 |
| Net charge-offs to loans | -0.0275% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0554% | 5,918 |
| Assets per employee ($millions) | 7.5432% | 613 |
| Cash dividends to net income (ytd only)* | 46.2810% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 1,890 |
| Loan loss allowance to noncurrent loans | 100.7418% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 1,649 |
| Noncurrent loans to loans | 1.8399% | 2,085 |
| Net loans and leases to total assets | 62.5087% | 3,153 |
| Net loans and leases to deposits | 80.2488% | 2,257 |
| Net loans and leases to core deposits | 112.8810% | 497 |
| Total domestic deposits to total assets | 77.8936% | 5,848 |
| Equity capital to assets | 13.7475% | 1,014 |
| Core capital (leverage) ratio | 13.2546% | 1,068 |
| Tier 1 risk-based capital ratio | 17.2336% | 2,581 |
| Total risk-based capital ratio | 18.4874% | 2,539 |
| Memoranda: | ||
| Average total assets | $457,104,000 | 1,473 |
| Average earning assets | $431,783,000 | 1,436 |
| Average equity | $62,443,500 | 1,171 |
| Average total loans | $290,567,000 | 1,477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,198 |
| Cost of funding earning assets | 0.3029% | 5,566 |
| Net interest margin | 3.9356% | 2,158 |
| Noninterest income to average assets | 0.2405% | 5,624 |
| Noninterest expense to average assets | 2.3147% | 5,334 |
| Loan and lease loss provision to assets | 0.0112% | 4,903 |
| Net operating income to assets | 0.9580% | 2,525 |
| Return on assets (ROA) | 0.9695% | 2,538 |
| Pretax return on assets | 1.6493% | 1,055 |
| Return on Equity (ROE) | 6.9594% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.3291% | 3,867 |
| Net charge-offs to loans | 0.1370% | 3,431 |
| Credit loss provision to net charge-offs | 12.9199% | 4,551 |
| Earnings coverage of net charge-offs (x) | 18.9173% | 1,632 |
| Efficiency ratio | 58.4647% | 5,681 |
| Assets per employee ($millions) | 7.8289% | 514 |
| Cash dividends to net income (ytd only)* | 52.1639% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 1,834 |
| Loan loss allowance to noncurrent loans | 96.4019% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2871% | 1,545 |
| Noncurrent loans to loans | 1.9488% | 2,046 |
| Net loans and leases to total assets | 62.2512% | 3,324 |
| Net loans and leases to deposits | 82.8285% | 2,089 |
| Net loans and leases to core deposits | 115.9041% | 423 |
| Total domestic deposits to total assets | 75.1567% | 6,176 |
| Equity capital to assets | 13.5726% | 1,042 |
| Core capital (leverage) ratio | 13.2218% | 1,046 |
| Tier 1 risk-based capital ratio | 17.3487% | 2,475 |
| Total risk-based capital ratio | 18.6028% | 2,447 |
| Memoranda: | ||
| Average total assets | $445,714,400 | 1,486 |
| Average earning assets | $420,926,200 | 1,447 |
| Average equity | $62,088,600 | 1,162 |
| Average total loans | $282,452,600 | 1,498 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 3,313 |
| Cost of funding earning assets | 0.3212% | 5,543 |
| Net interest margin | 3.8994% | 2,276 |
| Noninterest income to average assets | 0.2245% | 5,819 |
| Noninterest expense to average assets | 2.3046% | 5,327 |
| Loan and lease loss provision to assets | 0.0150% | 4,710 |
| Net operating income to assets | 0.9337% | 2,668 |
| Return on assets (ROA) | 0.9479% | 2,710 |
| Pretax return on assets | 1.6127% | 1,314 |
| Return on Equity (ROE) | 6.7605% | 3,784 |
| Retained earnings to average equity (ytd only) | 3.1295% | 4,443 |
| Net charge-offs to loans | -0.0911% | 6,477 |
| Credit loss provision to net charge-offs | -26.0417% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9393% | 5,564 |
| Assets per employee ($millions) | 8.0574% | 450 |
| Cash dividends to net income (ytd only)* | 53.7095% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 1,589 |
| Loan loss allowance to noncurrent loans | 91.3680% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 2.6392% | 1,432 |
| Noncurrent loans to loans | 2.2565% | 1,945 |
| Net loans and leases to total assets | 61.9672% | 3,367 |
| Net loans and leases to deposits | 80.8418% | 2,285 |
| Net loans and leases to core deposits | 110.9436% | 544 |
| Total domestic deposits to total assets | 76.6524% | 6,096 |
| Equity capital to assets | 13.3411% | 1,187 |
| Core capital (leverage) ratio | 13.5191% | 1,017 |
| Tier 1 risk-based capital ratio | 17.0826% | 2,673 |
| Total risk-based capital ratio | 18.3386% | 2,635 |
| Memoranda: | ||
| Average total assets | $443,624,250 | 1,502 |
| Average earning assets | $419,304,500 | 1,462 |
| Average equity | $62,203,250 | 1,169 |
| Average total loans | $281,046,000 | 1,510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 3,002 |
| Cost of funding earning assets | 0.3423% | 5,469 |
| Net interest margin | 3.9465% | 2,058 |
| Noninterest income to average assets | 0.1911% | 6,065 |
| Noninterest expense to average assets | 2.3608% | 5,176 |
| Loan and lease loss provision to assets | 0.0228% | 4,453 |
| Net operating income to assets | 0.9038% | 2,773 |
| Return on assets (ROA) | 0.9274% | 2,811 |
| Pretax return on assets | 1.5784% | 1,430 |
| Return on Equity (ROE) | 6.5042% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.8730% | 4,484 |
| Net charge-offs to loans | -0.1317% | 6,568 |
| Credit loss provision to net charge-offs | -27.3224% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1464% | 5,466 |
| Assets per employee ($millions) | 7.5801% | 544 |
| Cash dividends to net income (ytd only)* | 55.8288% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2009% | 1,419 |
| Loan loss allowance to noncurrent loans | 141.9554% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 2.2839% | 1,896 |
| Noncurrent loans to loans | 1.5504% | 2,980 |
| Net loans and leases to total assets | 61.5215% | 3,385 |
| Net loans and leases to deposits | 78.0644% | 2,567 |
| Net loans and leases to core deposits | 100.8858% | 1,019 |
| Total domestic deposits to total assets | 78.8086% | 5,832 |
| Equity capital to assets | 14.1733% | 912 |
| Core capital (leverage) ratio | 13.4994% | 978 |
| Tier 1 risk-based capital ratio | 18.0084% | 2,314 |
| Total risk-based capital ratio | 19.2659% | 2,279 |
| Memoranda: | ||
| Average total assets | $438,408,330 | 1,517 |
| Average earning assets | $414,795,670 | 1,469 |
| Average equity | $62,513,670 | 1,166 |
| Average total loans | $277,865,000 | 1,524 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,935 |
| Cost of funding earning assets | 0.3581% | 5,463 |
| Net interest margin | 3.9298% | 2,014 |
| Noninterest income to average assets | 0.2138% | 5,948 |
| Noninterest expense to average assets | 2.3987% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9065% | 2,615 |
| Return on assets (ROA) | 0.9077% | 2,762 |
| Pretax return on assets | 1.5445% | 1,440 |
| Return on Equity (ROE) | 6.3466% | 3,858 |
| Retained earnings to average equity (ytd only) | 2.7553% | 4,636 |
| Net charge-offs to loans | -0.3119% | 6,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8596% | 5,466 |
| Assets per employee ($millions) | 7.5563% | 599 |
| Cash dividends to net income (ytd only)* | 56.5868% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 1,728 |
| Loan loss allowance to noncurrent loans | 120.0080% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2717% | 2,055 |
| Noncurrent loans to loans | 1.7750% | 2,900 |
| Net loans and leases to total assets | 62.5659% | 2,958 |
| Net loans and leases to deposits | 80.1174% | 2,055 |
| Net loans and leases to core deposits | 106.9084% | 608 |
| Total domestic deposits to total assets | 78.0928% | 6,105 |
| Equity capital to assets | 14.4736% | 887 |
| Core capital (leverage) ratio | 13.3064% | 1,013 |
| Tier 1 risk-based capital ratio | 17.4210% | 2,593 |
| Total risk-based capital ratio | 18.6780% | 2,551 |
| Memoranda: | ||
| Average total assets | $441,579,000 | 1,520 |
| Average earning assets | $418,855,500 | 1,474 |
| Average equity | $63,151,500 | 1,175 |
| Average total loans | $280,899,500 | 1,515 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 2,721 |
| Cost of funding earning assets | 0.5181% | 5,085 |
| Net interest margin | 4.1492% | 1,822 |
| Noninterest income to average assets | 0.5477% | 3,603 |
| Noninterest expense to average assets | 2.4143% | 5,367 |
| Loan and lease loss provision to assets | 0.8092% | 597 |
| Net operating income to assets | 0.7182% | 3,652 |
| Return on assets (ROA) | 0.8304% | 3,390 |
| Pretax return on assets | 1.4127% | 2,001 |
| Return on Equity (ROE) | 5.6028% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.9808% | 4,829 |
| Net charge-offs to loans | 1.0801% | 984 |
| Credit loss provision to net charge-offs | 111.1846% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.8120% | 4,022 |
| Efficiency ratio | 54.1003% | 6,260 |
| Assets per employee ($millions) | 7.8051% | 549 |
| Cash dividends to net income (ytd only)* | 64.6462% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 1,912 |
| Loan loss allowance to noncurrent loans | 118.7810% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 2,256 |
| Noncurrent loans to loans | 1.7186% | 3,032 |
| Net loans and leases to total assets | 62.0099% | 3,249 |
| Net loans and leases to deposits | 80.9014% | 2,158 |
| Net loans and leases to core deposits | 107.5720% | 626 |
| Total domestic deposits to total assets | 76.6487% | 6,270 |
| Equity capital to assets | 14.1315% | 992 |
| Core capital (leverage) ratio | 13.3656% | 997 |
| Tier 1 risk-based capital ratio | 17.1082% | 2,598 |
| Total risk-based capital ratio | 18.3641% | 2,565 |
| Memoranda: | ||
| Average total assets | $415,225,800 | 1,575 |
| Average earning assets | $391,613,000 | 1,536 |
| Average equity | $61,541,200 | 1,157 |
| Average total loans | $279,797,600 | 1,484 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 2,683 |
| Cost of funding earning assets | 0.5577% | 5,018 |
| Net interest margin | 4.1685% | 1,834 |
| Noninterest income to average assets | 0.6840% | 2,790 |
| Noninterest expense to average assets | 2.4066% | 5,377 |
| Loan and lease loss provision to assets | 1.0985% | 352 |
| Net operating income to assets | 0.6356% | 4,211 |
| Return on assets (ROA) | 0.7925% | 3,731 |
| Pretax return on assets | 1.3483% | 2,416 |
| Return on Equity (ROE) | 5.2801% | 4,696 |
| Retained earnings to average equity (ytd only) | 1.5357% | 5,570 |
| Net charge-offs to loans | 1.1059% | 918 |
| Credit loss provision to net charge-offs | 145.0151% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.9063% | 3,870 |
| Efficiency ratio | 52.2029% | 6,436 |
| Assets per employee ($millions) | 7.1620% | 689 |
| Cash dividends to net income (ytd only)* | 70.9157% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2273% | 1,655 |
| Loan loss allowance to noncurrent loans | 78.6114% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 3.0380% | 1,715 |
| Noncurrent loans to loans | 2.8333% | 1,986 |
| Net loans and leases to total assets | 65.9305% | 2,662 |
| Net loans and leases to deposits | 85.2284% | 1,696 |
| Net loans and leases to core deposits | 113.8248% | 439 |
| Total domestic deposits to total assets | 77.3575% | 6,186 |
| Equity capital to assets | 14.4626% | 982 |
| Core capital (leverage) ratio | 13.7547% | 921 |
| Tier 1 risk-based capital ratio | 16.9754% | 2,743 |
| Total risk-based capital ratio | 18.2341% | 2,699 |
| Memoranda: | ||
| Average total assets | $407,809,250 | 1,615 |
| Average earning assets | $383,914,500 | 1,577 |
| Average equity | $61,209,000 | 1,178 |
| Average total loans | $279,340,500 | 1,505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 2,226 |
| Cost of funding earning assets | 0.6109% | 4,805 |
| Net interest margin | 4.2607% | 1,578 |
| Noninterest income to average assets | 0.2392% | 5,856 |
| Noninterest expense to average assets | 2.4564% | 5,275 |
| Loan and lease loss provision to assets | 0.9288% | 493 |
| Net operating income to assets | 0.4837% | 4,894 |
| Return on assets (ROA) | 0.7231% | 4,017 |
| Pretax return on assets | 1.2299% | 2,806 |
| Return on Equity (ROE) | 4.7557% | 4,936 |
| Retained earnings to average equity (ytd only) | 0.8211% | 5,739 |
| Net charge-offs to loans | 0.3110% | 2,786 |
| Credit loss provision to net charge-offs | 433.5664% | 683 |
| Earnings coverage of net charge-offs (x) | 8.3310% | 2,313 |
| Efficiency ratio | 57.9183% | 5,886 |
| Assets per employee ($millions) | 7.0183% | 722 |
| Cash dividends to net income (ytd only)* | 82.7348% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4599% | 1,336 |
| Loan loss allowance to noncurrent loans | 56.9739% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 4.2033% | 1,191 |
| Noncurrent loans to loans | 4.3176% | 1,246 |
| Net loans and leases to total assets | 66.6481% | 2,541 |
| Net loans and leases to deposits | 82.4980% | 2,046 |
| Net loans and leases to core deposits | 111.1436% | 534 |
| Total domestic deposits to total assets | 80.7876% | 5,532 |
| Equity capital to assets | 15.0595% | 772 |
| Core capital (leverage) ratio | 14.1254% | 775 |
| Tier 1 risk-based capital ratio | 17.8030% | 2,361 |
| Total risk-based capital ratio | 19.0608% | 2,324 |
| Memoranda: | ||
| Average total assets | $400,505,000 | 1,650 |
| Average earning assets | $376,178,670 | 1,605 |
| Average equity | $60,895,670 | 1,173 |
| Average total loans | $275,863,330 | 1,523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 1,988 |
| Cost of funding earning assets | 0.6582% | 4,654 |
| Net interest margin | 4.3129% | 1,429 |
| Noninterest income to average assets | 0.2336% | 5,955 |
| Noninterest expense to average assets | 2.4812% | 5,208 |
| Loan and lease loss provision to assets | 1.4601% | 240 |
| Net operating income to assets | 0.1649% | 6,080 |
| Return on assets (ROA) | 0.6173% | 4,483 |
| Pretax return on assets | 1.0503% | 3,503 |
| Return on Equity (ROE) | 4.0400% | 5,279 |
| Retained earnings to average equity (ytd only) | 0.0923% | 5,947 |
| Net charge-offs to loans | 0.0379% | 4,169 |
| Credit loss provision to net charge-offs | 5,576.9231% | 42 |
| Earnings coverage of net charge-offs (x) | 68.8846% | 488 |
| Efficiency ratio | 57.9083% | 5,928 |
| Assets per employee ($millions) | 7.5339% | 585 |
| Cash dividends to net income (ytd only)* | 97.7162% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4938% | 1,366 |
| Loan loss allowance to noncurrent loans | 74.9370% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 3.5017% | 1,644 |
| Noncurrent loans to loans | 3.3279% | 1,913 |
| Net loans and leases to total assets | 65.6890% | 2,525 |
| Net loans and leases to deposits | 82.3294% | 1,889 |
| Net loans and leases to core deposits | 108.1627% | 605 |
| Total domestic deposits to total assets | 79.7881% | 5,902 |
| Equity capital to assets | 14.8409% | 774 |
| Core capital (leverage) ratio | 14.4512% | 702 |
| Tier 1 risk-based capital ratio | 17.7310% | 2,390 |
| Total risk-based capital ratio | 18.9925% | 2,363 |
| Memoranda: | ||
| Average total assets | $397,228,000 | 1,673 |
| Average earning assets | $373,113,500 | 1,626 |
| Average equity | $60,693,000 | 1,174 |
| Average total loans | $274,725,500 | 1,532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 1,781 |
| Cost of funding earning assets | 0.8272% | 4,651 |
| Net interest margin | 4.4496% | 1,264 |
| Noninterest income to average assets | 0.1690% | 6,280 |
| Noninterest expense to average assets | 2.5689% | 5,202 |
| Loan and lease loss provision to assets | 0.9667% | 991 |
| Net operating income to assets | 0.4623% | 4,579 |
| Return on assets (ROA) | 0.5901% | 4,229 |
| Pretax return on assets | 1.0043% | 3,235 |
| Return on Equity (ROE) | 3.8551% | 4,922 |
| Retained earnings to average equity (ytd only) | -0.2059% | 5,886 |
| Net charge-offs to loans | 1.5271% | 1,048 |
| Credit loss provision to net charge-offs | 84.9430% | 4,243 |
| Earnings coverage of net charge-offs (x) | 1.5564% | 4,603 |
| Efficiency ratio | 59.0676% | 5,892 |
| Assets per employee ($millions) | 6.4605% | 976 |
| Cash dividends to net income (ytd only)* | 105.3411% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 2,388 |
| Loan loss allowance to noncurrent loans | 44.0205% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 3.4482% | 1,720 |
| Noncurrent loans to loans | 4.4637% | 1,339 |
| Net loans and leases to total assets | 69.6450% | 2,102 |
| Net loans and leases to deposits | 86.5102% | 1,609 |
| Net loans and leases to core deposits | 117.9867% | 396 |
| Total domestic deposits to total assets | 80.5050% | 5,590 |
| Equity capital to assets | 15.7391% | 623 |
| Core capital (leverage) ratio | 14.4641% | 723 |
| Tier 1 risk-based capital ratio | 18.5630% | 2,027 |
| Total risk-based capital ratio | 19.8198% | 1,991 |
| Memoranda: | ||
| Average total assets | $377,590,600 | 1,722 |
| Average earning assets | $353,966,000 | 1,672 |
| Average equity | $57,793,600 | 1,173 |
| Average total loans | $281,382,600 | 1,514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 1,701 |
| Cost of funding earning assets | 0.8550% | 4,735 |
| Net interest margin | 4.4903% | 1,174 |
| Noninterest income to average assets | 0.1511% | 6,506 |
| Noninterest expense to average assets | 2.6170% | 5,017 |
| Loan and lease loss provision to assets | 1.0664% | 781 |
| Net operating income to assets | 0.3828% | 5,070 |
| Return on assets (ROA) | 0.5318% | 4,588 |
| Pretax return on assets | 0.9029% | 3,751 |
| Return on Equity (ROE) | 3.5000% | 5,224 |
| Retained earnings to average equity (ytd only) | -0.6176% | 6,087 |
| Net charge-offs to loans | 1.0284% | 1,555 |
| Credit loss provision to net charge-offs | 137.4885% | 2,319 |
| Earnings coverage of net charge-offs (x) | 2.2388% | 4,009 |
| Efficiency ratio | 59.9984% | 5,723 |
| Assets per employee ($millions) | 6.9281% | 766 |
| Cash dividends to net income (ytd only)* | 117.6470% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4695% | 1,438 |
| Loan loss allowance to noncurrent loans | 55.5726% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 4.1818% | 1,461 |
| Noncurrent loans to loans | 4.4438% | 1,453 |
| Net loans and leases to total assets | 68.7654% | 2,318 |
| Net loans and leases to deposits | 83.6731% | 2,050 |
| Net loans and leases to core deposits | 114.6386% | 537 |
| Total domestic deposits to total assets | 82.1834% | 5,022 |
| Equity capital to assets | 15.4899% | 726 |
| Core capital (leverage) ratio | 14.5501% | 759 |
| Tier 1 risk-based capital ratio | 18.4777% | 2,095 |
| Total risk-based capital ratio | 19.7421% | 2,057 |
| Memoranda: | ||
| Average total assets | $375,081,500 | 1,737 |
| Average earning assets | $351,029,250 | 1,694 |
| Average equity | $56,989,750 | 1,193 |
| Average total loans | $282,884,750 | 1,519 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 1,278 |
| Cost of funding earning assets | 0.8686% | 4,914 |
| Net interest margin | 4.6413% | 838 |
| Noninterest income to average assets | 0.1390% | 6,630 |
| Noninterest expense to average assets | 2.6835% | 4,888 |
| Loan and lease loss provision to assets | 0.7599% | 1,226 |
| Net operating income to assets | 0.6074% | 4,027 |
| Return on assets (ROA) | 0.6074% | 4,156 |
| Pretax return on assets | 1.0400% | 3,074 |
| Return on Equity (ROE) | 4.0254% | 4,933 |
| Retained earnings to average equity (ytd only) | 0.1907% | 5,762 |
| Net charge-offs to loans | 0.0978% | 4,702 |
| Credit loss provision to net charge-offs | 1,007.1942% | 330 |
| Earnings coverage of net charge-offs (x) | 23.8561% | 1,081 |
| Efficiency ratio | 59.7094% | 5,916 |
| Assets per employee ($millions) | 6.6099% | 873 |
| Cash dividends to net income (ytd only)* | 95.2636% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6173% | 1,294 |
| Loan loss allowance to noncurrent loans | 56.5611% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 3.7188% | 1,752 |
| Noncurrent loans to loans | 4.6273% | 1,426 |
| Net loans and leases to total assets | 71.0334% | 1,995 |
| Net loans and leases to deposits | 86.8901% | 1,664 |
| Net loans and leases to core deposits | 122.7264% | 365 |
| Total domestic deposits to total assets | 81.7508% | 5,252 |
| Equity capital to assets | 14.6530% | 904 |
| Core capital (leverage) ratio | 13.8595% | 907 |
| Tier 1 risk-based capital ratio | 17.4940% | 2,343 |
| Total risk-based capital ratio | 18.7603% | 2,306 |
| Memoranda: | ||
| Average total assets | $368,474,670 | 1,776 |
| Average earning assets | $344,904,000 | 1,738 |
| Average equity | $55,596,330 | 1,208 |
| Average total loans | $284,369,000 | 1,529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 1,163 |
| Cost of funding earning assets | 0.8830% | 5,041 |
| Net interest margin | 4.6736% | 746 |
| Noninterest income to average assets | 0.1363% | 6,730 |
| Noninterest expense to average assets | 2.7178% | 4,764 |
| Loan and lease loss provision to assets | 0.8864% | 912 |
| Net operating income to assets | 0.5285% | 4,364 |
| Return on assets (ROA) | 0.5285% | 4,447 |
| Pretax return on assets | 0.9008% | 3,491 |
| Return on Equity (ROE) | 3.4499% | 5,169 |
| Retained earnings to average equity (ytd only) | -0.4050% | 5,866 |
| Net charge-offs to loans | 0.1883% | 3,372 |
| Credit loss provision to net charge-offs | 592.5926% | 635 |
| Earnings coverage of net charge-offs (x) | 11.9481% | 1,525 |
| Efficiency ratio | 60.1082% | 5,970 |
| Assets per employee ($millions) | 6.2353% | 1,056 |
| Cash dividends to net income (ytd only)* | 111.7400% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 1,697 |
| Loan loss allowance to noncurrent loans | 48.6293% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 3.8202% | 1,758 |
| Noncurrent loans to loans | 4.8170% | 1,412 |
| Net loans and leases to total assets | 74.9188% | 1,197 |
| Net loans and leases to deposits | 93.3947% | 884 |
| Net loans and leases to core deposits | 130.2405% | 268 |
| Total domestic deposits to total assets | 80.2174% | 5,885 |
| Equity capital to assets | 14.7828% | 814 |
| Core capital (leverage) ratio | 14.4491% | 746 |
| Tier 1 risk-based capital ratio | 17.3500% | 2,355 |
| Total risk-based capital ratio | 18.6126% | 2,327 |
| Memoranda: | ||
| Average total assets | $361,024,000 | 1,823 |
| Average earning assets | $337,471,000 | 1,777 |
| Average equity | $55,306,500 | 1,193 |
| Average total loans | $286,731,500 | 1,530 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7697% | 1,359 |
| Cost of funding earning assets | 1.0854% | 5,218 |
| Net interest margin | 4.6842% | 847 |
| Noninterest income to average assets | 0.1732% | 6,504 |
| Noninterest expense to average assets | 2.5744% | 5,528 |
| Loan and lease loss provision to assets | 1.1013% | 1,453 |
| Net operating income to assets | 0.4925% | 4,137 |
| Return on assets (ROA) | 0.5156% | 4,179 |
| Pretax return on assets | 0.9081% | 3,251 |
| Return on Equity (ROE) | 3.2405% | 4,846 |
| Retained earnings to average equity (ytd only) | -0.5846% | 5,724 |
| Net charge-offs to loans | 0.8756% | 2,440 |
| Credit loss provision to net charge-offs | 152.0284% | 2,364 |
| Earnings coverage of net charge-offs (x) | 2.7243% | 3,715 |
| Efficiency ratio | 56.3488% | 6,552 |
| Assets per employee ($millions) | 5.9988% | 1,211 |
| Cash dividends to net income (ytd only)* | 118.0410% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1148% | 2,035 |
| Loan loss allowance to noncurrent loans | 44.9673% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 3.8720% | 1,767 |
| Noncurrent loans to loans | 4.7030% | 1,479 |
| Net loans and leases to total assets | 80.5901% | 585 |
| Net loans and leases to deposits | 100.1504% | 567 |
| Net loans and leases to core deposits | 157.3343% | 152 |
| Total domestic deposits to total assets | 80.4691% | 5,699 |
| Equity capital to assets | 15.8963% | 601 |
| Core capital (leverage) ratio | 14.6177% | 728 |
| Tier 1 risk-based capital ratio | 18.4231% | 1,869 |
| Total risk-based capital ratio | 19.6847% | 1,829 |
| Memoranda: | ||
| Average total assets | $350,494,400 | 1,867 |
| Average earning assets | $327,331,600 | 1,821 |
| Average equity | $55,762,200 | 1,193 |
| Average total loans | $289,969,200 | 1,541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8005% | 1,396 |
| Cost of funding earning assets | 1.1169% | 5,332 |
| Net interest margin | 4.6836% | 877 |
| Noninterest income to average assets | 0.1716% | 6,651 |
| Noninterest expense to average assets | 2.5805% | 5,402 |
| Loan and lease loss provision to assets | 1.0860% | 1,339 |
| Net operating income to assets | 0.4900% | 4,359 |
| Return on assets (ROA) | 0.5206% | 4,396 |
| Pretax return on assets | 0.9254% | 3,468 |
| Return on Equity (ROE) | 3.2715% | 5,110 |
| Retained earnings to average equity (ytd only) | -0.5440% | 5,930 |
| Net charge-offs to loans | 0.3360% | 3,970 |
| Credit loss provision to net charge-offs | 390.1774% | 784 |
| Earnings coverage of net charge-offs (x) | 7.0546% | 2,393 |
| Efficiency ratio | 56.5305% | 6,486 |
| Assets per employee ($millions) | 6.0865% | 1,186 |
| Cash dividends to net income (ytd only)* | 116.6307% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3701% | 1,514 |
| Loan loss allowance to noncurrent loans | 48.6705% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 3.9950% | 1,749 |
| Noncurrent loans to loans | 4.8696% | 1,445 |
| Net loans and leases to total assets | 80.0945% | 733 |
| Net loans and leases to deposits | 99.5963% | 683 |
| Net loans and leases to core deposits | 157.0787% | 161 |
| Total domestic deposits to total assets | 80.4191% | 5,573 |
| Equity capital to assets | 15.9303% | 693 |
| Core capital (leverage) ratio | 14.5782% | 803 |
| Tier 1 risk-based capital ratio | 18.2817% | 1,938 |
| Total risk-based capital ratio | 19.5465% | 1,893 |
| Memoranda: | ||
| Average total assets | $351,135,250 | 1,893 |
| Average earning assets | $327,803,500 | 1,844 |
| Average equity | $55,875,750 | 1,184 |
| Average total loans | $290,847,500 | 1,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8437% | 1,314 |
| Cost of funding earning assets | 1.1487% | 5,414 |
| Net interest margin | 4.6950% | 820 |
| Noninterest income to average assets | 0.1529% | 6,796 |
| Noninterest expense to average assets | 2.5974% | 5,334 |
| Loan and lease loss provision to assets | 0.9757% | 1,485 |
| Net operating income to assets | 0.5421% | 4,132 |
| Return on assets (ROA) | 0.5968% | 4,028 |
| Pretax return on assets | 1.0453% | 2,958 |
| Return on Equity (ROE) | 3.7521% | 4,897 |
| Retained earnings to average equity (ytd only) | -0.0717% | 5,747 |
| Net charge-offs to loans | 0.4855% | 3,085 |
| Credit loss provision to net charge-offs | 241.8670% | 1,588 |
| Earnings coverage of net charge-offs (x) | 4.7977% | 2,841 |
| Efficiency ratio | 57.3011% | 6,474 |
| Assets per employee ($millions) | 6.0163% | 1,217 |
| Cash dividends to net income (ytd only)* | 101.9120% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 2,241 |
| Loan loss allowance to noncurrent loans | 53.7302% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.9595% | 2,410 |
| Noncurrent loans to loans | 3.6781% | 2,128 |
| Net loans and leases to total assets | 78.8728% | 977 |
| Net loans and leases to deposits | 99.8716% | 740 |
| Net loans and leases to core deposits | 174.5794% | 128 |
| Total domestic deposits to total assets | 78.9742% | 6,048 |
| Equity capital to assets | 15.5415% | 760 |
| Core capital (leverage) ratio | 14.7406% | 777 |
| Tier 1 risk-based capital ratio | 18.1414% | 1,926 |
| Total risk-based capital ratio | 19.4011% | 1,891 |
| Memoranda: | ||
| Average total assets | $350,507,670 | 1,909 |
| Average earning assets | $326,985,670 | 1,860 |
| Average equity | $55,755,330 | 1,182 |
| Average total loans | $291,259,330 | 1,575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0116% | 957 |
| Cost of funding earning assets | 1.1884% | 5,464 |
| Net interest margin | 4.8232% | 612 |
| Noninterest income to average assets | 0.1749% | 6,713 |
| Noninterest expense to average assets | 2.6101% | 5,316 |
| Loan and lease loss provision to assets | 1.1701% | 1,045 |
| Net operating income to assets | 0.5144% | 4,321 |
| Return on assets (ROA) | 0.6256% | 3,904 |
| Pretax return on assets | 1.0635% | 2,869 |
| Return on Equity (ROE) | 3.8861% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.0504% | 5,801 |
| Net charge-offs to loans | 0.4457% | 2,716 |
| Credit loss provision to net charge-offs | 310.7692% | 1,268 |
| Earnings coverage of net charge-offs (x) | 5.4708% | 2,393 |
| Efficiency ratio | 55.8918% | 6,780 |
| Assets per employee ($millions) | 6.0370% | 1,236 |
| Cash dividends to net income (ytd only)* | 98.7037% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,532 |
| Loan loss allowance to noncurrent loans | 47.3868% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.2880% | 2,176 |
| Noncurrent loans to loans | 3.9413% | 2,006 |
| Net loans and leases to total assets | 81.3627% | 664 |
| Net loans and leases to deposits | 103.6359% | 550 |
| Net loans and leases to core deposits | 193.1117% | 106 |
| Total domestic deposits to total assets | 78.5082% | 6,205 |
| Equity capital to assets | 15.8958% | 688 |
| Core capital (leverage) ratio | 15.0797% | 739 |
| Tier 1 risk-based capital ratio | 18.2896% | 1,878 |
| Total risk-based capital ratio | 19.5251% | 1,848 |
| Memoranda: | ||
| Average total assets | $345,274,000 | 1,985 |
| Average earning assets | $321,778,000 | 1,934 |
| Average equity | $55,582,500 | 1,198 |
| Average total loans | $291,663,500 | 1,616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2536% | 1,111 |
| Cost of funding earning assets | 1.6835% | 4,597 |
| Net interest margin | 4.5700% | 1,038 |
| Noninterest income to average assets | 0.1395% | 7,046 |
| Noninterest expense to average assets | 2.3742% | 6,537 |
| Loan and lease loss provision to assets | 1.0310% | 2,214 |
| Net operating income to assets | 0.5858% | 3,381 |
| Return on assets (ROA) | 0.5878% | 3,453 |
| Pretax return on assets | 1.0008% | 2,590 |
| Return on Equity (ROE) | 3.7380% | 4,189 |
| Retained earnings to average equity (ytd only) | -0.0198% | 4,934 |
| Net charge-offs to loans | 0.9768% | 2,455 |
| Credit loss provision to net charge-offs | 124.6159% | 4,210 |
| Earnings coverage of net charge-offs (x) | 2.4520% | 3,898 |
| Efficiency ratio | 53.6537% | 7,264 |
| Assets per employee ($millions) | 6.1891% | 1,139 |
| Cash dividends to net income (ytd only)* | 100.5286% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 3,209 |
| Loan loss allowance to noncurrent loans | 40.6505% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.4233% | 1,969 |
| Noncurrent loans to loans | 3.9769% | 1,861 |
| Net loans and leases to total assets | 84.6880% | 378 |
| Net loans and leases to deposits | 109.0921% | 412 |
| Net loans and leases to core deposits | 173.2471% | 213 |
| Total domestic deposits to total assets | 77.6298% | 6,315 |
| Equity capital to assets | 16.3061% | 657 |
| Core capital (leverage) ratio | 15.1308% | 751 |
| Tier 1 risk-based capital ratio | 18.0821% | 1,869 |
| Total risk-based capital ratio | 19.3406% | 1,828 |
| Memoranda: | ||
| Average total assets | $354,015,400 | 1,918 |
| Average earning assets | $330,259,600 | 1,879 |
| Average equity | $55,671,600 | 1,180 |
| Average total loans | $299,870,800 | 1,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2963% | 1,144 |
| Cost of funding earning assets | 1.7665% | 4,544 |
| Net interest margin | 4.5298% | 1,122 |
| Noninterest income to average assets | 0.1410% | 7,174 |
| Noninterest expense to average assets | 2.3677% | 6,511 |
| Loan and lease loss provision to assets | 0.9139% | 2,101 |
| Net operating income to assets | 0.6409% | 3,447 |
| Return on assets (ROA) | 0.6435% | 3,499 |
| Pretax return on assets | 1.0952% | 2,593 |
| Return on Equity (ROE) | 4.1282% | 4,330 |
| Retained earnings to average equity (ytd only) | 0.3973% | 5,031 |
| Net charge-offs to loans | 0.7551% | 2,474 |
| Credit loss provision to net charge-offs | 143.4426% | 3,411 |
| Earnings coverage of net charge-offs (x) | 3.1470% | 3,664 |
| Efficiency ratio | 53.8816% | 7,245 |
| Assets per employee ($millions) | 6.3105% | 1,071 |
| Cash dividends to net income (ytd only)* | 90.3767% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 2,960 |
| Loan loss allowance to noncurrent loans | 51.1998% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.6775% | 2,602 |
| Noncurrent loans to loans | 3.1399% | 2,406 |
| Net loans and leases to total assets | 83.9043% | 552 |
| Net loans and leases to deposits | 110.9236% | 429 |
| Net loans and leases to core deposits | 172.4765% | 251 |
| Total domestic deposits to total assets | 75.6416% | 6,654 |
| Equity capital to assets | 16.1043% | 774 |
| Core capital (leverage) ratio | 14.8278% | 892 |
| Tier 1 risk-based capital ratio | 18.2012% | 1,936 |
| Total risk-based capital ratio | 19.4666% | 1,874 |
| Memoranda: | ||
| Average total assets | $357,419,250 | 1,915 |
| Average earning assets | $333,901,750 | 1,878 |
| Average equity | $55,713,000 | 1,196 |
| Average total loans | $301,584,750 | 1,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3013% | 1,205 |
| Cost of funding earning assets | 1.8133% | 4,694 |
| Net interest margin | 4.4881% | 1,190 |
| Noninterest income to average assets | 0.1458% | 7,223 |
| Noninterest expense to average assets | 2.3333% | 6,666 |
| Loan and lease loss provision to assets | 0.5542% | 2,801 |
| Net operating income to assets | 0.8547% | 2,634 |
| Return on assets (ROA) | 0.8646% | 2,697 |
| Pretax return on assets | 1.4715% | 1,523 |
| Return on Equity (ROE) | 5.6062% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.9190% | 4,274 |
| Net charge-offs to loans | 0.3961% | 3,214 |
| Credit loss provision to net charge-offs | 166.3894% | 2,761 |
| Earnings coverage of net charge-offs (x) | 6.0349% | 2,700 |
| Efficiency ratio | 53.4516% | 7,387 |
| Assets per employee ($millions) | 6.4712% | 977 |
| Cash dividends to net income (ytd only)* | 65.7692% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 3,466 |
| Loan loss allowance to noncurrent loans | 113.6130% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 4,751 |
| Noncurrent loans to loans | 1.2763% | 4,645 |
| Net loans and leases to total assets | 84.3087% | 589 |
| Net loans and leases to deposits | 117.0525% | 298 |
| Net loans and leases to core deposits | 179.7957% | 221 |
| Total domestic deposits to total assets | 72.0264% | 7,239 |
| Equity capital to assets | 15.6370% | 900 |
| Core capital (leverage) ratio | 14.6891% | 980 |
| Tier 1 risk-based capital ratio | 17.6862% | 2,093 |
| Total risk-based capital ratio | 18.9417% | 2,045 |
| Memoranda: | ||
| Average total assets | $360,867,330 | 1,922 |
| Average earning assets | $337,515,330 | 1,881 |
| Average equity | $55,652,670 | 1,211 |
| Average total loans | $303,456,670 | 1,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2808% | 1,357 |
| Cost of funding earning assets | 1.9282% | 4,495 |
| Net interest margin | 4.3526% | 1,459 |
| Noninterest income to average assets | 0.1684% | 7,100 |
| Noninterest expense to average assets | 2.2128% | 6,829 |
| Loan and lease loss provision to assets | 0.4954% | 2,495 |
| Net operating income to assets | 0.9127% | 2,645 |
| Return on assets (ROA) | 0.9325% | 2,703 |
| Pretax return on assets | 1.5666% | 1,487 |
| Return on Equity (ROE) | 6.0879% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.6307% | 4,417 |
| Net charge-offs to loans | 0.0317% | 5,078 |
| Credit loss provision to net charge-offs | 1,875.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 76.8750% | 540 |
| Efficiency ratio | 51.8547% | 7,435 |
| Assets per employee ($millions) | 6.5837% | 926 |
| Cash dividends to net income (ytd only)* | 56.7887% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 3,143 |
| Loan loss allowance to noncurrent loans | 121.9660% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 4,671 |
| Noncurrent loans to loans | 1.2051% | 4,561 |
| Net loans and leases to total assets | 82.2363% | 979 |
| Net loans and leases to deposits | 119.1124% | 311 |
| Net loans and leases to core deposits | 191.0199% | 174 |
| Total domestic deposits to total assets | 69.0409% | 7,509 |
| Equity capital to assets | 15.3997% | 986 |
| Core capital (leverage) ratio | 14.4101% | 1,103 |
| Tier 1 risk-based capital ratio | 17.6756% | 2,134 |
| Total risk-based capital ratio | 18.9306% | 2,077 |
| Memoranda: | ||
| Average total assets | $363,342,000 | 1,912 |
| Average earning assets | $340,209,500 | 1,875 |
| Average equity | $55,651,500 | 1,222 |
| Average total loans | $302,942,500 | 1,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6992% | 2,027 |
| Cost of funding earning assets | 2.8628% | 2,427 |
| Net interest margin | 3.8364% | 3,860 |
| Noninterest income to average assets | 0.1401% | 7,400 |
| Noninterest expense to average assets | 2.3025% | 6,696 |
| Loan and lease loss provision to assets | 0.1979% | 4,907 |
| Net operating income to assets | 0.7459% | 3,689 |
| Return on assets (ROA) | 0.2915% | 5,382 |
| Pretax return on assets | 0.4958% | 4,983 |
| Return on Equity (ROE) | 2.0643% | 5,598 |
| Retained earnings to average equity (ytd only) | -1.4301% | 5,718 |
| Net charge-offs to loans | 0.1029% | 5,278 |
| Credit loss provision to net charge-offs | 236.2069% | 2,005 |
| Earnings coverage of net charge-offs (x) | 16.7517% | 1,818 |
| Efficiency ratio | 61.7603% | 5,999 |
| Assets per employee ($millions) | 6.6287% | 839 |
| Cash dividends to net income (ytd only)* | 169.2765% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 3,639 |
| Loan loss allowance to noncurrent loans | 383.9388% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,434 |
| Noncurrent loans to loans | 0.3445% | 6,344 |
| Net loans and leases to total assets | 82.1894% | 1,194 |
| Net loans and leases to deposits | 118.5482% | 425 |
| Net loans and leases to core deposits | 178.3480% | 307 |
| Total domestic deposits to total assets | 69.3299% | 7,349 |
| Equity capital to assets | 15.2340% | 1,103 |
| Core capital (leverage) ratio | 14.7575% | 1,079 |
| Tier 1 risk-based capital ratio | 17.3753% | 2,212 |
| Total risk-based capital ratio | 18.6267% | 2,157 |
| Memoranda: | ||
| Average total assets | $346,109,200 | 1,925 |
| Average earning assets | $321,709,600 | 1,894 |
| Average equity | $48,877,400 | 1,398 |
| Average total loans | $281,759,800 | 1,710 |