Home > Synergy Bank > Performance and Condition Ratios
Synergy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 2,215 |
| Cost of funding earning assets | 1.0895% | 3,097 |
| Net interest margin | 3.8430% | 1,484 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.0523% | 3,512 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 1.2042% | 1,644 |
| Return on assets (ROA) | 1.2042% | 1,615 |
| Pretax return on assets | 1.5159% | 1,382 |
| Return on Equity (ROE) | 10.5300% | 2,353 |
| Retained earnings to average equity (ytd only) | 1.7790% | 3,631 |
| Net charge-offs to loans | 0.1584% | 660 |
| Credit loss provision to net charge-offs | 593.0917% | 597 |
| Earnings coverage of net charge-offs (x) | 22.9219% | 1,801 |
| Efficiency ratio | 48.7809% | 4,049 |
| Assets per employee ($millions) | 6.7934% | 2,209 |
| Cash dividends to net income (ytd only)* | 83.1131% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 894 |
| Loan loss allowance to noncurrent loans | 71.4838% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 296 |
| Noncurrent loans to loans | 2.1995% | 239 |
| Net loans and leases to total assets | 59.4700% | 2,891 |
| Net loans and leases to deposits | 69.1400% | 2,939 |
| Net loans and leases to core deposits | 78.4314% | 2,807 |
| Total domestic deposits to total assets | 86.0100% | 2,014 |
| Equity capital to assets | 12.8891% | 879 |
| Core capital (leverage) ratio | 10.0177% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $974,191,400 | 1,006 |
| Average earning assets | $909,106,400 | 986 |
| Average equity | $111,354,400 | 879 |
| Average total loans | $557,483,800 | 1,140 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 3,004 |
| Cost of funding earning assets | 0.9210% | 3,224 |
| Net interest margin | 3.5291% | 2,150 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 1.9783% | 3,645 |
| Loan and lease loss provision to assets | 0.5800% | 130 |
| Net operating income to assets | 1.0434% | 2,239 |
| Return on assets (ROA) | 1.0434% | 2,226 |
| Pretax return on assets | 1.3125% | 1,997 |
| Return on Equity (ROE) | 9.5100% | 2,796 |
| Retained earnings to average equity (ytd only) | 1.6334% | 3,809 |
| Net charge-offs to loans | -0.0041% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1204% | 3,823 |
| Assets per employee ($millions) | 7.2248% | 1,811 |
| Cash dividends to net income (ytd only)* | 82.8272% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,185 |
| Loan loss allowance to noncurrent loans | 69.2127% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 327 |
| Noncurrent loans to loans | 2.1285% | 268 |
| Net loans and leases to total assets | 59.2200% | 2,917 |
| Net loans and leases to deposits | 68.5165% | 2,941 |
| Net loans and leases to core deposits | 75.2469% | 2,916 |
| Total domestic deposits to total assets | 86.4400% | 2,062 |
| Equity capital to assets | 12.4460% | 933 |
| Core capital (leverage) ratio | 12.2001% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $925,624,500 | 1,061 |
| Average earning assets | $870,238,750 | 1,033 |
| Average equity | $101,542,000 | 932 |
| Average total loans | $520,363,250 | 1,195 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 2,970 |
| Cost of funding earning assets | 0.8128% | 3,171 |
| Net interest margin | 3.5528% | 2,147 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.0103% | 3,570 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4762% | 1,153 |
| Return on assets (ROA) | 1.4760% | 1,144 |
| Pretax return on assets | 1.8605% | 916 |
| Return on Equity (ROE) | 14.3800% | 1,601 |
| Retained earnings to average equity (ytd only) | 14.3822% | 635 |
| Net charge-offs to loans | -0.0044% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.8303% | 3,860 |
| Assets per employee ($millions) | 6.8127% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,236 |
| Loan loss allowance to noncurrent loans | 691.5976% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 2,839 |
| Noncurrent loans to loans | 0.1791% | 2,581 |
| Net loans and leases to total assets | 54.7000% | 3,218 |
| Net loans and leases to deposits | 61.4271% | 3,343 |
| Net loans and leases to core deposits | 66.7578% | 3,308 |
| Total domestic deposits to total assets | 89.0500% | 1,244 |
| Equity capital to assets | 10.5116% | 1,597 |
| Core capital (leverage) ratio | 11.1006% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $834,392,333 | 1,144 |
| Average earning assets | $793,344,333 | 1,106 |
| Average equity | $85,633,333 | 1,061 |
| Average total loans | $453,517,667 | 1,313 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 3,016 |
| Cost of funding earning assets | 0.6854% | 3,099 |
| Net interest margin | 3.5248% | 2,301 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.9894% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5195% | 1,145 |
| Return on assets (ROA) | 1.5195% | 1,127 |
| Pretax return on assets | 1.9148% | 890 |
| Return on Equity (ROE) | 14.9900% | 1,550 |
| Retained earnings to average equity (ytd only) | 14.9931% | 801 |
| Net charge-offs to loans | -0.0036% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9048% | 3,861 |
| Assets per employee ($millions) | 6.7245% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,329 |
| Loan loss allowance to noncurrent loans | 428.4291% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,418 |
| Noncurrent loans to loans | 0.2896% | 2,107 |
| Net loans and leases to total assets | 52.9400% | 3,282 |
| Net loans and leases to deposits | 59.3712% | 3,376 |
| Net loans and leases to core deposits | 64.2451% | 3,331 |
| Total domestic deposits to total assets | 89.1600% | 1,486 |
| Equity capital to assets | 10.3349% | 1,650 |
| Core capital (leverage) ratio | 10.9373% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $825,793,500 | 1,171 |
| Average earning assets | $785,511,000 | 1,134 |
| Average equity | $83,692,000 | 1,097 |
| Average total loans | $444,436,500 | 1,345 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 3,188 |
| Cost of funding earning assets | 0.2782% | 3,059 |
| Net interest margin | 3.1795% | 2,928 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.8393% | 3,950 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 1.5584% | 764 |
| Return on assets (ROA) | 1.5584% | 727 |
| Pretax return on assets | 1.9638% | 517 |
| Return on Equity (ROE) | 16.6800% | 923 |
| Retained earnings to average equity (ytd only) | 10.9955% | 888 |
| Net charge-offs to loans | -0.0211% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.8482% | 4,074 |
| Assets per employee ($millions) | 6.5937% | 2,258 |
| Cash dividends to net income (ytd only)* | 34.0728% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 427 |
| Loan loss allowance to noncurrent loans | 667.6046% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 2,402 |
| Noncurrent loans to loans | 0.3000% | 2,065 |
| Net loans and leases to total assets | 52.9600% | 3,288 |
| Net loans and leases to deposits | 59.0596% | 3,391 |
| Net loans and leases to core deposits | 62.4731% | 3,365 |
| Total domestic deposits to total assets | 89.6800% | 1,495 |
| Equity capital to assets | 9.9273% | 1,738 |
| Core capital (leverage) ratio | 10.1954% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $847,446,000 | 1,137 |
| Average earning assets | $807,286,400 | 1,101 |
| Average equity | $79,187,000 | 1,140 |
| Average total loans | $397,434,800 | 1,402 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 3,339 |
| Cost of funding earning assets | 0.2363% | 2,854 |
| Net interest margin | 3.0011% | 3,218 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.8137% | 3,960 |
| Loan and lease loss provision to assets | -0.2800% | 4,703 |
| Net operating income to assets | 1.5209% | 805 |
| Return on assets (ROA) | 1.5209% | 783 |
| Pretax return on assets | 1.9166% | 560 |
| Return on Equity (ROE) | 16.5200% | 887 |
| Retained earnings to average equity (ytd only) | 16.5209% | 243 |
| Net charge-offs to loans | -0.0358% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5480% | 3,968 |
| Assets per employee ($millions) | 6.8946% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 445 |
| Loan loss allowance to noncurrent loans | 574.8828% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,403 |
| Noncurrent loans to loans | 0.3590% | 1,948 |
| Net loans and leases to total assets | 48.0300% | 3,626 |
| Net loans and leases to deposits | 53.3184% | 3,643 |
| Net loans and leases to core deposits | 56.3381% | 3,609 |
| Total domestic deposits to total assets | 90.0800% | 1,622 |
| Equity capital to assets | 9.5207% | 1,871 |
| Core capital (leverage) ratio | 10.0780% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $856,550,750 | 1,134 |
| Average earning assets | $816,482,000 | 1,098 |
| Average equity | $78,855,500 | 1,160 |
| Average total loans | $387,214,750 | 1,422 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0034% | 3,551 |
| Cost of funding earning assets | 0.2045% | 2,858 |
| Net interest margin | 2.7990% | 3,451 |
| Noninterest income to average assets | 0.5825% | 1,812 |
| Noninterest expense to average assets | 1.7999% | 3,956 |
| Loan and lease loss provision to assets | -0.5914% | 4,755 |
| Net operating income to assets | 1.6214% | 525 |
| Return on assets (ROA) | 1.6214% | 511 |
| Pretax return on assets | 2.0438% | 345 |
| Return on Equity (ROE) | 17.8121% | 496 |
| Retained earnings to average equity (ytd only) | 17.8121% | 123 |
| Net charge-offs to loans | -0.0524% | 4,256 |
| Credit loss provision to net charge-offs | 2,566.6667% | 203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3417% | 3,841 |
| Assets per employee ($millions) | 7.1958% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0194% | 527 |
| Loan loss allowance to noncurrent loans | 419.2823% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,227 |
| Noncurrent loans to loans | 0.4816% | 1,671 |
| Net loans and leases to total assets | 44.3553% | 3,806 |
| Net loans and leases to deposits | 49.1311% | 3,859 |
| Net loans and leases to core deposits | 51.7892% | 3,831 |
| Total domestic deposits to total assets | 90.2796% | 1,590 |
| Equity capital to assets | 9.3613% | 2,123 |
| Core capital (leverage) ratio | 9.5994% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $859,388,667 | 1,129 |
| Average earning assets | $819,733,333 | 1,095 |
| Average equity | $78,227,667 | 1,191 |
| Average total loans | $377,656,000 | 1,449 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8367% | 3,667 |
| Cost of funding earning assets | 0.1980% | 2,828 |
| Net interest margin | 2.6387% | 3,560 |
| Noninterest income to average assets | 0.5831% | 1,762 |
| Noninterest expense to average assets | 1.7878% | 3,967 |
| Loan and lease loss provision to assets | -1.3005% | 4,790 |
| Net operating income to assets | 2.0736% | 197 |
| Return on assets (ROA) | 2.0736% | 195 |
| Pretax return on assets | 2.6158% | 152 |
| Return on Equity (ROE) | 23.1061% | 122 |
| Retained earnings to average equity (ytd only) | 23.1061% | 59 |
| Net charge-offs to loans | -0.1041% | 4,466 |
| Credit loss provision to net charge-offs | 2,885.5670% | 154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6134% | 3,722 |
| Assets per employee ($millions) | 7.2637% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 577 |
| Loan loss allowance to noncurrent loans | 340.1348% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,131 |
| Noncurrent loans to loans | 0.6013% | 1,560 |
| Net loans and leases to total assets | 41.2426% | 3,935 |
| Net loans and leases to deposits | 45.4752% | 4,005 |
| Net loans and leases to core deposits | 47.7702% | 3,994 |
| Total domestic deposits to total assets | 90.6923% | 1,181 |
| Equity capital to assets | 8.9274% | 2,778 |
| Core capital (leverage) ratio | 9.4448% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $860,930,500 | 1,127 |
| Average earning assets | $822,236,500 | 1,093 |
| Average equity | $77,261,000 | 1,229 |
| Average total loans | $372,661,500 | 1,453 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 2,459 |
| Cost of funding earning assets | 0.2954% | 2,448 |
| Net interest margin | 3.2763% | 2,379 |
| Noninterest income to average assets | 0.6886% | 1,803 |
| Noninterest expense to average assets | 2.1143% | 3,355 |
| Loan and lease loss provision to assets | 0.1579% | 756 |
| Net operating income to assets | 1.2160% | 1,874 |
| Return on assets (ROA) | 1.2160% | 1,919 |
| Pretax return on assets | 1.5311% | 1,618 |
| Return on Equity (ROE) | 12.3457% | 1,698 |
| Retained earnings to average equity (ytd only) | 9.8100% | 967 |
| Net charge-offs to loans | 0.0822% | 983 |
| Credit loss provision to net charge-offs | 359.0909% | 972 |
| Earnings coverage of net charge-offs (x) | 38.4061% | 1,463 |
| Efficiency ratio | 55.5906% | 3,746 |
| Assets per employee ($millions) | 6.9094% | 1,984 |
| Cash dividends to net income (ytd only)* | 20.5392% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7367% | 199 |
| Loan loss allowance to noncurrent loans | 462.6126% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 2,228 |
| Noncurrent loans to loans | 0.5916% | 1,661 |
| Net loans and leases to total assets | 43.3003% | 3,891 |
| Net loans and leases to deposits | 47.7723% | 4,011 |
| Net loans and leases to core deposits | 50.3159% | 4,001 |
| Total domestic deposits to total assets | 90.6388% | 652 |
| Equity capital to assets | 9.0228% | 3,597 |
| Core capital (leverage) ratio | 9.3263% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $750,358,000 | 1,219 |
| Average earning assets | $713,368,000 | 1,199 |
| Average equity | $73,904,400 | 1,288 |
| Average total loans | $401,517,800 | 1,369 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 2,170 |
| Cost of funding earning assets | 0.3179% | 2,421 |
| Net interest margin | 3.4237% | 2,089 |
| Noninterest income to average assets | 0.6912% | 1,854 |
| Noninterest expense to average assets | 2.1800% | 3,138 |
| Loan and lease loss provision to assets | 0.2017% | 513 |
| Net operating income to assets | 1.2390% | 2,024 |
| Return on assets (ROA) | 1.2390% | 2,087 |
| Pretax return on assets | 1.5597% | 1,825 |
| Return on Equity (ROE) | 12.2815% | 1,947 |
| Retained earnings to average equity (ytd only) | 12.2815% | 780 |
| Net charge-offs to loans | 0.0546% | 1,109 |
| Credit loss provision to net charge-offs | 658.6826% | 669 |
| Earnings coverage of net charge-offs (x) | 57.5269% | 1,156 |
| Efficiency ratio | 55.3100% | 3,617 |
| Assets per employee ($millions) | 6.0807% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6666% | 222 |
| Loan loss allowance to noncurrent loans | 496.0690% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 2,408 |
| Noncurrent loans to loans | 0.5375% | 1,972 |
| Net loans and leases to total assets | 49.6934% | 3,440 |
| Net loans and leases to deposits | 55.7370% | 3,601 |
| Net loans and leases to core deposits | 59.1421% | 3,535 |
| Total domestic deposits to total assets | 89.1570% | 1,196 |
| Equity capital to assets | 10.0392% | 2,868 |
| Core capital (leverage) ratio | 10.2213% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,209,750 | 1,267 |
| Average earning assets | $690,341,500 | 1,250 |
| Average equity | $73,366,000 | 1,317 |
| Average total loans | $408,079,750 | 1,380 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 2,038 |
| Cost of funding earning assets | 0.3348% | 2,449 |
| Net interest margin | 3.4772% | 1,928 |
| Noninterest income to average assets | 0.7109% | 1,766 |
| Noninterest expense to average assets | 2.2191% | 3,018 |
| Loan and lease loss provision to assets | 0.0279% | 2,423 |
| Net operating income to assets | 1.4001% | 1,567 |
| Return on assets (ROA) | 1.4001% | 1,634 |
| Pretax return on assets | 1.7639% | 1,317 |
| Return on Equity (ROE) | 13.8536% | 1,456 |
| Retained earnings to average equity (ytd only) | 13.8536% | 568 |
| Net charge-offs to loans | 0.0815% | 855 |
| Credit loss provision to net charge-offs | 59.1716% | 1,563 |
| Earnings coverage of net charge-offs (x) | 37.9704% | 1,189 |
| Efficiency ratio | 55.3258% | 3,622 |
| Assets per employee ($millions) | 5.7721% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3104% | 354 |
| Loan loss allowance to noncurrent loans | 445.6843% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 2,513 |
| Noncurrent loans to loans | 0.5184% | 2,118 |
| Net loans and leases to total assets | 53.0706% | 3,245 |
| Net loans and leases to deposits | 59.2243% | 3,452 |
| Net loans and leases to core deposits | 63.0273% | 3,377 |
| Total domestic deposits to total assets | 89.6095% | 974 |
| Equity capital to assets | 10.0340% | 2,822 |
| Core capital (leverage) ratio | 10.0472% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $716,248,667 | 1,276 |
| Average earning assets | $679,749,333 | 1,259 |
| Average equity | $72,385,667 | 1,321 |
| Average total loans | $414,751,667 | 1,366 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 2,027 |
| Cost of funding earning assets | 0.3641% | 2,412 |
| Net interest margin | 3.4614% | 1,931 |
| Noninterest income to average assets | 0.6883% | 1,903 |
| Noninterest expense to average assets | 2.2174% | 3,055 |
| Loan and lease loss provision to assets | 0.0570% | 1,977 |
| Net operating income to assets | 1.3497% | 1,683 |
| Return on assets (ROA) | 1.3497% | 1,775 |
| Pretax return on assets | 1.7013% | 1,485 |
| Return on Equity (ROE) | 13.3050% | 1,593 |
| Retained earnings to average equity (ytd only) | 13.3050% | 858 |
| Net charge-offs to loans | 0.1524% | 512 |
| Credit loss provision to net charge-offs | 62.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 19.2875% | 1,266 |
| Efficiency ratio | 55.7753% | 3,573 |
| Assets per employee ($millions) | 5.7687% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2240% | 411 |
| Loan loss allowance to noncurrent loans | 634.2373% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,147 |
| Noncurrent loans to loans | 0.3507% | 2,825 |
| Net loans and leases to total assets | 56.1385% | 3,017 |
| Net loans and leases to deposits | 62.5703% | 3,266 |
| Net loans and leases to core deposits | 66.8124% | 3,171 |
| Total domestic deposits to total assets | 89.7206% | 949 |
| Equity capital to assets | 9.8665% | 2,829 |
| Core capital (leverage) ratio | 10.2078% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $702,070,000 | 1,282 |
| Average earning assets | $666,778,000 | 1,267 |
| Average equity | $71,221,500 | 1,328 |
| Average total loans | $419,871,000 | 1,362 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 1,696 |
| Cost of funding earning assets | 0.6402% | 2,056 |
| Net interest margin | 3.7190% | 1,734 |
| Noninterest income to average assets | 0.6478% | 2,037 |
| Noninterest expense to average assets | 2.3728% | 3,196 |
| Loan and lease loss provision to assets | 0.2435% | 1,594 |
| Net operating income to assets | 1.2276% | 1,454 |
| Return on assets (ROA) | 1.2276% | 1,565 |
| Pretax return on assets | 1.5431% | 1,214 |
| Return on Equity (ROE) | 11.2693% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.4581% | 1,208 |
| Net charge-offs to loans | -0.0598% | 4,705 |
| Credit loss provision to net charge-offs | -638.0753% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0463% | 3,853 |
| Assets per employee ($millions) | 5.2462% | 3,096 |
| Cash dividends to net income (ytd only)* | 33.8189% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2465% | 376 |
| Loan loss allowance to noncurrent loans | 560.4167% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,035 |
| Noncurrent loans to loans | 0.4009% | 2,774 |
| Net loans and leases to total assets | 61.0094% | 2,730 |
| Net loans and leases to deposits | 68.5283% | 3,026 |
| Net loans and leases to core deposits | 74.2772% | 2,891 |
| Total domestic deposits to total assets | 89.0281% | 974 |
| Equity capital to assets | 10.4479% | 2,715 |
| Core capital (leverage) ratio | 10.3709% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $626,268,400 | 1,290 |
| Average earning assets | $591,348,200 | 1,279 |
| Average equity | $68,220,800 | 1,317 |
| Average total loans | $399,868,400 | 1,354 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 1,789 |
| Cost of funding earning assets | 0.6958% | 2,047 |
| Net interest margin | 3.7282% | 1,847 |
| Noninterest income to average assets | 0.6353% | 2,050 |
| Noninterest expense to average assets | 2.4083% | 3,108 |
| Loan and lease loss provision to assets | 0.2168% | 1,854 |
| Net operating income to assets | 1.2152% | 1,594 |
| Return on assets (ROA) | 1.2152% | 1,718 |
| Pretax return on assets | 1.5264% | 1,388 |
| Return on Equity (ROE) | 11.0327% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.0327% | 571 |
| Net charge-offs to loans | -0.1549% | 4,892 |
| Credit loss provision to net charge-offs | -217.8649% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0113% | 3,661 |
| Assets per employee ($millions) | 5.2400% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 387 |
| Loan loss allowance to noncurrent loans | 407.0599% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 2,800 |
| Noncurrent loans to loans | 0.5273% | 2,482 |
| Net loans and leases to total assets | 62.4109% | 2,954 |
| Net loans and leases to deposits | 70.1561% | 3,305 |
| Net loans and leases to core deposits | 76.1371% | 3,154 |
| Total domestic deposits to total assets | 88.9601% | 789 |
| Equity capital to assets | 10.6557% | 2,667 |
| Core capital (leverage) ratio | 10.3834% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $614,956,500 | 1,290 |
| Average earning assets | $580,000,500 | 1,276 |
| Average equity | $67,736,250 | 1,316 |
| Average total loans | $395,059,750 | 1,362 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 1,765 |
| Cost of funding earning assets | 0.7411% | 2,174 |
| Net interest margin | 3.8167% | 1,787 |
| Noninterest income to average assets | 0.6547% | 1,920 |
| Noninterest expense to average assets | 2.4969% | 2,967 |
| Loan and lease loss provision to assets | 0.2361% | 1,792 |
| Net operating income to assets | 1.2085% | 1,615 |
| Return on assets (ROA) | 1.2085% | 1,744 |
| Pretax return on assets | 1.5174% | 1,413 |
| Return on Equity (ROE) | 10.8402% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.8402% | 632 |
| Net charge-offs to loans | -0.2549% | 4,965 |
| Credit loss provision to net charge-offs | -143.7882% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7444% | 3,589 |
| Assets per employee ($millions) | 5.2015% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 387 |
| Loan loss allowance to noncurrent loans | 353.9200% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 2,798 |
| Noncurrent loans to loans | 0.5881% | 2,393 |
| Net loans and leases to total assets | 62.5199% | 3,067 |
| Net loans and leases to deposits | 70.1288% | 3,407 |
| Net loans and leases to core deposits | 76.1175% | 3,275 |
| Total domestic deposits to total assets | 89.1500% | 691 |
| Equity capital to assets | 10.3892% | 2,848 |
| Core capital (leverage) ratio | 10.6594% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,113,333 | 1,300 |
| Average earning assets | $563,471,000 | 1,288 |
| Average equity | $66,677,667 | 1,323 |
| Average total loans | $385,264,333 | 1,376 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,712 |
| Cost of funding earning assets | 0.8419% | 2,154 |
| Net interest margin | 3.8559% | 1,805 |
| Noninterest income to average assets | 0.7124% | 1,606 |
| Noninterest expense to average assets | 2.6930% | 2,724 |
| Loan and lease loss provision to assets | 0.1786% | 1,668 |
| Net operating income to assets | 1.2129% | 1,473 |
| Return on assets (ROA) | 1.2129% | 1,585 |
| Pretax return on assets | 1.4674% | 1,393 |
| Return on Equity (ROE) | 10.4598% | 1,594 |
| Retained earnings to average equity (ytd only) | 10.4598% | 650 |
| Net charge-offs to loans | -0.0175% | 4,291 |
| Credit loss provision to net charge-offs | -1,575.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0650% | 3,490 |
| Assets per employee ($millions) | 4.5018% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 394 |
| Loan loss allowance to noncurrent loans | 239.6067% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 2,253 |
| Noncurrent loans to loans | 0.9077% | 1,797 |
| Net loans and leases to total assets | 62.3009% | 3,268 |
| Net loans and leases to deposits | 70.7947% | 3,533 |
| Net loans and leases to core deposits | 78.0369% | 3,353 |
| Total domestic deposits to total assets | 88.0022% | 1,107 |
| Equity capital to assets | 11.6088% | 2,353 |
| Core capital (leverage) ratio | 11.7223% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,275,000 | 1,327 |
| Average earning assets | $530,715,500 | 1,311 |
| Average equity | $65,431,500 | 1,340 |
| Average total loans | $365,347,000 | 1,401 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 1,584 |
| Cost of funding earning assets | 0.8727% | 2,319 |
| Net interest margin | 4.0888% | 1,574 |
| Noninterest income to average assets | 0.7828% | 1,502 |
| Noninterest expense to average assets | 2.7506% | 2,748 |
| Loan and lease loss provision to assets | 0.1341% | 1,585 |
| Net operating income to assets | 1.3804% | 1,410 |
| Return on assets (ROA) | 1.3804% | 1,486 |
| Pretax return on assets | 1.7340% | 1,098 |
| Return on Equity (ROE) | 11.8845% | 1,557 |
| Retained earnings to average equity (ytd only) | 7.6981% | 1,079 |
| Net charge-offs to loans | 0.0493% | 2,413 |
| Credit loss provision to net charge-offs | 411.3636% | 695 |
| Earnings coverage of net charge-offs (x) | 57.3011% | 1,011 |
| Efficiency ratio | 59.5532% | 3,762 |
| Assets per employee ($millions) | 4.4192% | 3,346 |
| Cash dividends to net income (ytd only)* | 35.2254% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 399 |
| Loan loss allowance to noncurrent loans | 254.5243% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,257 |
| Noncurrent loans to loans | 0.8200% | 1,866 |
| Net loans and leases to total assets | 64.4609% | 3,139 |
| Net loans and leases to deposits | 73.1980% | 3,417 |
| Net loans and leases to core deposits | 80.8718% | 3,226 |
| Total domestic deposits to total assets | 88.0636% | 1,103 |
| Equity capital to assets | 11.5822% | 2,454 |
| Core capital (leverage) ratio | 11.4382% | 2,156 |
| Tier 1 risk-based capital ratio | 17.3470% | 1,941 |
| Total risk-based capital ratio | 18.6071% | 1,888 |
| Memoranda: | ||
| Average total assets | $539,840,800 | 1,330 |
| Average earning assets | $506,458,200 | 1,317 |
| Average equity | $62,703,600 | 1,339 |
| Average total loans | $357,356,200 | 1,392 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 1,601 |
| Cost of funding earning assets | 0.8600% | 2,413 |
| Net interest margin | 4.1172% | 1,576 |
| Noninterest income to average assets | 0.7871% | 1,459 |
| Noninterest expense to average assets | 2.7490% | 2,715 |
| Loan and lease loss provision to assets | 0.0543% | 2,830 |
| Net operating income to assets | 1.4652% | 1,289 |
| Return on assets (ROA) | 1.4652% | 1,344 |
| Pretax return on assets | 1.8404% | 997 |
| Return on Equity (ROE) | 12.6056% | 1,410 |
| Retained earnings to average equity (ytd only) | 12.6056% | 317 |
| Net charge-offs to loans | -0.0312% | 4,710 |
| Credit loss provision to net charge-offs | -262.6506% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1991% | 3,783 |
| Assets per employee ($millions) | 4.4943% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 432 |
| Loan loss allowance to noncurrent loans | 210.0426% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 2,091 |
| Noncurrent loans to loans | 0.9664% | 1,659 |
| Net loans and leases to total assets | 64.6443% | 3,224 |
| Net loans and leases to deposits | 73.7119% | 3,500 |
| Net loans and leases to core deposits | 81.3578% | 3,287 |
| Total domestic deposits to total assets | 87.6985% | 1,164 |
| Equity capital to assets | 11.8892% | 2,338 |
| Core capital (leverage) ratio | 11.9292% | 1,902 |
| Tier 1 risk-based capital ratio | 17.5895% | 1,924 |
| Total risk-based capital ratio | 18.8486% | 1,884 |
| Memoranda: | ||
| Average total assets | $535,596,000 | 1,344 |
| Average earning assets | $501,693,500 | 1,332 |
| Average equity | $62,256,500 | 1,344 |
| Average total loans | $355,049,750 | 1,406 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 1,665 |
| Cost of funding earning assets | 0.8302% | 2,498 |
| Net interest margin | 4.0996% | 1,606 |
| Noninterest income to average assets | 0.7074% | 1,685 |
| Noninterest expense to average assets | 2.7702% | 2,688 |
| Loan and lease loss provision to assets | 0.0457% | 2,904 |
| Net operating income to assets | 1.3796% | 1,483 |
| Return on assets (ROA) | 1.3796% | 1,543 |
| Pretax return on assets | 1.7329% | 1,210 |
| Return on Equity (ROE) | 11.9638% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.9638% | 409 |
| Net charge-offs to loans | -0.0006% | 3,875 |
| Credit loss provision to net charge-offs | -12,100.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8995% | 3,594 |
| Assets per employee ($millions) | 4.4630% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 451 |
| Loan loss allowance to noncurrent loans | 193.0270% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 1,980 |
| Noncurrent loans to loans | 1.0516% | 1,556 |
| Net loans and leases to total assets | 64.5733% | 3,278 |
| Net loans and leases to deposits | 73.4892% | 3,558 |
| Net loans and leases to core deposits | 81.2187% | 3,317 |
| Total domestic deposits to total assets | 87.8678% | 1,160 |
| Equity capital to assets | 11.7526% | 2,382 |
| Core capital (leverage) ratio | 11.7944% | 1,952 |
| Tier 1 risk-based capital ratio | 17.7343% | 1,872 |
| Total risk-based capital ratio | 18.9939% | 1,821 |
| Memoranda: | ||
| Average total assets | $529,862,670 | 1,355 |
| Average earning assets | $496,491,670 | 1,345 |
| Average equity | $61,101,000 | 1,358 |
| Average total loans | $351,814,670 | 1,424 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 1,720 |
| Cost of funding earning assets | 0.7901% | 2,592 |
| Net interest margin | 4.0722% | 1,630 |
| Noninterest income to average assets | 0.6837% | 1,671 |
| Noninterest expense to average assets | 2.7836% | 2,626 |
| Loan and lease loss provision to assets | 0.0922% | 1,876 |
| Net operating income to assets | 1.2927% | 1,722 |
| Return on assets (ROA) | 1.2927% | 1,762 |
| Pretax return on assets | 1.6266% | 1,400 |
| Return on Equity (ROE) | 11.3220% | 1,818 |
| Retained earnings to average equity (ytd only) | 11.3220% | 746 |
| Net charge-offs to loans | -0.0606% | 4,885 |
| Credit loss provision to net charge-offs | -228.3019% | 3,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8250% | 3,561 |
| Assets per employee ($millions) | 4.2806% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 433 |
| Loan loss allowance to noncurrent loans | 162.0713% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 1,660 |
| Noncurrent loans to loans | 1.2792% | 1,282 |
| Net loans and leases to total assets | 64.2390% | 3,255 |
| Net loans and leases to deposits | 72.8396% | 3,542 |
| Net loans and leases to core deposits | 80.1708% | 3,355 |
| Total domestic deposits to total assets | 88.1924% | 1,237 |
| Equity capital to assets | 11.3964% | 2,489 |
| Core capital (leverage) ratio | 11.6614% | 2,015 |
| Tier 1 risk-based capital ratio | 17.3119% | 2,011 |
| Total risk-based capital ratio | 18.5718% | 1,946 |
| Memoranda: | ||
| Average total assets | $524,785,500 | 1,375 |
| Average earning assets | $492,115,000 | 1,362 |
| Average equity | $59,918,500 | 1,376 |
| Average total loans | $349,756,000 | 1,438 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 1,696 |
| Cost of funding earning assets | 0.6920% | 2,144 |
| Net interest margin | 4.0516% | 1,819 |
| Noninterest income to average assets | 0.6382% | 2,109 |
| Noninterest expense to average assets | 2.7053% | 3,009 |
| Loan and lease loss provision to assets | 0.3816% | 369 |
| Net operating income to assets | 1.0649% | 2,740 |
| Return on assets (ROA) | 1.0649% | 2,723 |
| Pretax return on assets | 1.3334% | 2,388 |
| Return on Equity (ROE) | 9.6738% | 2,653 |
| Retained earnings to average equity (ytd only) | 7.2971% | 1,539 |
| Net charge-offs to loans | 0.6171% | 277 |
| Credit loss provision to net charge-offs | 92.0093% | 2,693 |
| Earnings coverage of net charge-offs (x) | 4.1350% | 3,329 |
| Efficiency ratio | 61.2022% | 3,660 |
| Assets per employee ($millions) | 4.1829% | 3,636 |
| Cash dividends to net income (ytd only)* | 24.5678% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 443 |
| Loan loss allowance to noncurrent loans | 151.1920% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 1,306 |
| Noncurrent loans to loans | 1.3480% | 1,162 |
| Net loans and leases to total assets | 66.3572% | 3,077 |
| Net loans and leases to deposits | 75.1855% | 3,415 |
| Net loans and leases to core deposits | 81.4940% | 3,308 |
| Total domestic deposits to total assets | 88.2579% | 1,177 |
| Equity capital to assets | 11.4399% | 2,302 |
| Core capital (leverage) ratio | 11.3812% | 2,197 |
| Tier 1 risk-based capital ratio | 16.9214% | 2,094 |
| Total risk-based capital ratio | 18.1811% | 2,039 |
| Memoranda: | ||
| Average total assets | $515,989,000 | 1,365 |
| Average earning assets | $481,661,400 | 1,359 |
| Average equity | $56,803,200 | 1,389 |
| Average total loans | $346,799,400 | 1,415 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,955 |
| Cost of funding earning assets | 0.6657% | 2,060 |
| Net interest margin | 3.9421% | 2,156 |
| Noninterest income to average assets | 0.6497% | 2,074 |
| Noninterest expense to average assets | 2.6991% | 2,985 |
| Loan and lease loss provision to assets | 0.3346% | 416 |
| Net operating income to assets | 1.0344% | 2,944 |
| Return on assets (ROA) | 1.0344% | 2,954 |
| Pretax return on assets | 1.2934% | 2,651 |
| Return on Equity (ROE) | 9.4888% | 2,855 |
| Retained earnings to average equity (ytd only) | 9.4888% | 1,049 |
| Net charge-offs to loans | 0.5250% | 290 |
| Credit loss provision to net charge-offs | 95.0147% | 2,366 |
| Earnings coverage of net charge-offs (x) | 4.6224% | 3,038 |
| Efficiency ratio | 62.3762% | 3,447 |
| Assets per employee ($millions) | 4.2041% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 402 |
| Loan loss allowance to noncurrent loans | 107.8109% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 964 |
| Noncurrent loans to loans | 1.9704% | 758 |
| Net loans and leases to total assets | 64.1984% | 3,400 |
| Net loans and leases to deposits | 72.6551% | 3,714 |
| Net loans and leases to core deposits | 78.4674% | 3,624 |
| Total domestic deposits to total assets | 88.3604% | 1,096 |
| Equity capital to assets | 11.2789% | 2,409 |
| Core capital (leverage) ratio | 11.4129% | 2,236 |
| Tier 1 risk-based capital ratio | 17.2635% | 2,002 |
| Total risk-based capital ratio | 18.5242% | 1,950 |
| Memoranda: | ||
| Average total assets | $516,361,500 | 1,367 |
| Average earning assets | $481,693,250 | 1,367 |
| Average equity | $56,289,500 | 1,398 |
| Average total loans | $346,371,750 | 1,425 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 1,987 |
| Cost of funding earning assets | 0.6433% | 1,970 |
| Net interest margin | 3.8905% | 2,235 |
| Noninterest income to average assets | 0.6328% | 2,165 |
| Noninterest expense to average assets | 2.6824% | 3,075 |
| Loan and lease loss provision to assets | 0.3666% | 348 |
| Net operating income to assets | 0.9711% | 3,138 |
| Return on assets (ROA) | 0.9711% | 3,141 |
| Pretax return on assets | 1.2141% | 2,895 |
| Return on Equity (ROE) | 9.0126% | 3,014 |
| Retained earnings to average equity (ytd only) | 9.0126% | 1,216 |
| Net charge-offs to loans | 0.0809% | 1,520 |
| Credit loss provision to net charge-offs | 670.9220% | 575 |
| Earnings coverage of net charge-offs (x) | 28.9291% | 1,543 |
| Efficiency ratio | 62.9216% | 3,497 |
| Assets per employee ($millions) | 4.2655% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3247% | 302 |
| Loan loss allowance to noncurrent loans | 88.9464% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 657 |
| Noncurrent loans to loans | 2.6136% | 478 |
| Net loans and leases to total assets | 65.7702% | 3,180 |
| Net loans and leases to deposits | 74.6018% | 3,477 |
| Net loans and leases to core deposits | 81.4200% | 3,290 |
| Total domestic deposits to total assets | 88.1617% | 1,297 |
| Equity capital to assets | 11.0186% | 2,623 |
| Core capital (leverage) ratio | 11.0814% | 2,449 |
| Tier 1 risk-based capital ratio | 16.5270% | 2,253 |
| Total risk-based capital ratio | 17.7903% | 2,189 |
| Memoranda: | ||
| Average total assets | $516,113,670 | 1,369 |
| Average earning assets | $481,579,330 | 1,371 |
| Average equity | $55,611,330 | 1,413 |
| Average total loans | $348,769,670 | 1,412 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 2,100 |
| Cost of funding earning assets | 0.6176% | 1,929 |
| Net interest margin | 3.8103% | 2,382 |
| Noninterest income to average assets | 0.6130% | 2,202 |
| Noninterest expense to average assets | 2.6638% | 3,152 |
| Loan and lease loss provision to assets | 0.4650% | 231 |
| Net operating income to assets | 0.8394% | 3,559 |
| Return on assets (ROA) | 0.8394% | 3,573 |
| Pretax return on assets | 1.0463% | 3,368 |
| Return on Equity (ROE) | 7.8789% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.8789% | 1,887 |
| Net charge-offs to loans | 0.0011% | 2,696 |
| Credit loss provision to net charge-offs | 60,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,950.0000% | 27 |
| Efficiency ratio | 63.8017% | 3,509 |
| Assets per employee ($millions) | 4.3226% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 347 |
| Loan loss allowance to noncurrent loans | 87.9960% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.7920% | 683 |
| Noncurrent loans to loans | 2.5649% | 520 |
| Net loans and leases to total assets | 65.7322% | 3,079 |
| Net loans and leases to deposits | 73.8220% | 3,428 |
| Net loans and leases to core deposits | 80.5666% | 3,278 |
| Total domestic deposits to total assets | 89.0414% | 1,073 |
| Equity capital to assets | 10.6891% | 2,880 |
| Core capital (leverage) ratio | 10.8399% | 2,593 |
| Tier 1 risk-based capital ratio | 16.0003% | 2,474 |
| Total risk-based capital ratio | 17.2626% | 2,402 |
| Memoranda: | ||
| Average total assets | $516,110,500 | 1,380 |
| Average earning assets | $482,478,500 | 1,374 |
| Average equity | $54,982,500 | 1,429 |
| Average total loans | $349,388,500 | 1,398 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,823 |
| Cost of funding earning assets | 0.5872% | 1,693 |
| Net interest margin | 3.8806% | 2,149 |
| Noninterest income to average assets | 0.6180% | 2,361 |
| Noninterest expense to average assets | 2.6945% | 3,140 |
| Loan and lease loss provision to assets | 0.4734% | 284 |
| Net operating income to assets | 0.6260% | 3,906 |
| Return on assets (ROA) | 0.6260% | 3,943 |
| Pretax return on assets | 1.0596% | 3,346 |
| Return on Equity (ROE) | 5.9201% | 3,797 |
| Retained earnings to average equity (ytd only) | 4.0224% | 2,781 |
| Net charge-offs to loans | 1.8646% | 77 |
| Credit loss provision to net charge-offs | 36.6591% | 3,475 |
| Earnings coverage of net charge-offs (x) | 1.1872% | 3,921 |
| Efficiency ratio | 63.7375% | 3,638 |
| Assets per employee ($millions) | 4.1749% | 3,698 |
| Cash dividends to net income (ytd only)* | 32.0549% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0786% | 462 |
| Loan loss allowance to noncurrent loans | 77.2515% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.8336% | 664 |
| Noncurrent loans to loans | 2.6907% | 462 |
| Net loans and leases to total assets | 66.7309% | 3,002 |
| Net loans and leases to deposits | 74.8499% | 3,440 |
| Net loans and leases to core deposits | 81.8059% | 3,262 |
| Total domestic deposits to total assets | 89.1530% | 930 |
| Equity capital to assets | 10.6171% | 3,029 |
| Core capital (leverage) ratio | 10.6957% | 2,653 |
| Tier 1 risk-based capital ratio | 15.6181% | 2,576 |
| Total risk-based capital ratio | 16.8782% | 2,511 |
| Memoranda: | ||
| Average total assets | $512,267,400 | 1,364 |
| Average earning assets | $476,476,600 | 1,362 |
| Average equity | $54,171,400 | 1,422 |
| Average total loans | $354,762,600 | 1,369 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 1,793 |
| Cost of funding earning assets | 0.5774% | 1,691 |
| Net interest margin | 3.8701% | 2,141 |
| Noninterest income to average assets | 0.6188% | 2,368 |
| Noninterest expense to average assets | 2.6840% | 3,110 |
| Loan and lease loss provision to assets | 0.5102% | 225 |
| Net operating income to assets | 0.6946% | 4,011 |
| Return on assets (ROA) | 0.6946% | 4,078 |
| Pretax return on assets | 1.0238% | 3,594 |
| Return on Equity (ROE) | 6.5748% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.5748% | 1,928 |
| Net charge-offs to loans | 2.3271% | 64 |
| Credit loss provision to net charge-offs | 31.5307% | 3,071 |
| Earnings coverage of net charge-offs (x) | 0.9480% | 3,612 |
| Efficiency ratio | 63.6330% | 3,619 |
| Assets per employee ($millions) | 4.2690% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 532 |
| Loan loss allowance to noncurrent loans | 76.2721% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 701 |
| Noncurrent loans to loans | 2.6770% | 535 |
| Net loans and leases to total assets | 66.9651% | 2,984 |
| Net loans and leases to deposits | 75.2210% | 3,448 |
| Net loans and leases to core deposits | 82.3258% | 3,256 |
| Total domestic deposits to total assets | 89.0244% | 874 |
| Equity capital to assets | 10.6938% | 3,168 |
| Core capital (leverage) ratio | 10.6611% | 2,812 |
| Tier 1 risk-based capital ratio | 15.5865% | 2,677 |
| Total risk-based capital ratio | 16.8462% | 2,613 |
| Memoranda: | ||
| Average total assets | $511,956,000 | 1,377 |
| Average earning assets | $476,116,000 | 1,378 |
| Average equity | $54,084,250 | 1,434 |
| Average total loans | $355,966,750 | 1,376 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 1,869 |
| Cost of funding earning assets | 0.5621% | 1,700 |
| Net interest margin | 3.8226% | 2,198 |
| Noninterest income to average assets | 0.6301% | 2,316 |
| Noninterest expense to average assets | 2.6456% | 3,284 |
| Loan and lease loss provision to assets | 0.1191% | 1,726 |
| Net operating income to assets | 0.9596% | 2,609 |
| Return on assets (ROA) | 0.9596% | 2,669 |
| Pretax return on assets | 1.4255% | 1,915 |
| Return on Equity (ROE) | 9.1212% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.1212% | 806 |
| Net charge-offs to loans | 2.0531% | 75 |
| Credit loss provision to net charge-offs | 8.2969% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.0759% | 3,322 |
| Efficiency ratio | 63.1382% | 3,810 |
| Assets per employee ($millions) | 4.3258% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2656% | 393 |
| Loan loss allowance to noncurrent loans | 60.6360% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 388 |
| Noncurrent loans to loans | 3.7365% | 279 |
| Net loans and leases to total assets | 66.7884% | 2,989 |
| Net loans and leases to deposits | 75.0191% | 3,447 |
| Net loans and leases to core deposits | 82.2178% | 3,234 |
| Total domestic deposits to total assets | 89.0286% | 938 |
| Equity capital to assets | 10.5070% | 3,331 |
| Core capital (leverage) ratio | 10.5783% | 2,836 |
| Tier 1 risk-based capital ratio | 15.4314% | 2,733 |
| Total risk-based capital ratio | 16.6941% | 2,669 |
| Memoranda: | ||
| Average total assets | $510,423,670 | 1,388 |
| Average earning assets | $475,380,670 | 1,383 |
| Average equity | $53,699,330 | 1,449 |
| Average total loans | $356,915,670 | 1,371 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 1,761 |
| Cost of funding earning assets | 0.5475% | 1,732 |
| Net interest margin | 3.8207% | 2,040 |
| Noninterest income to average assets | 0.6080% | 2,378 |
| Noninterest expense to average assets | 2.6274% | 3,386 |
| Loan and lease loss provision to assets | 0.1857% | 913 |
| Net operating income to assets | 0.9184% | 2,673 |
| Return on assets (ROA) | 0.9184% | 2,728 |
| Pretax return on assets | 1.3621% | 2,021 |
| Return on Equity (ROE) | 8.7237% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.7237% | 1,176 |
| Net charge-offs to loans | 0.0034% | 2,854 |
| Credit loss provision to net charge-offs | 7,800.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 650.0000% | 82 |
| Efficiency ratio | 62.9278% | 4,000 |
| Assets per employee ($millions) | 4.3064% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2612% | 136 |
| Loan loss allowance to noncurrent loans | 76.2436% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 3.0961% | 313 |
| Noncurrent loans to loans | 4.2773% | 231 |
| Net loans and leases to total assets | 67.6969% | 2,726 |
| Net loans and leases to deposits | 75.8036% | 3,222 |
| Net loans and leases to core deposits | 83.1615% | 2,981 |
| Total domestic deposits to total assets | 89.3057% | 1,000 |
| Equity capital to assets | 10.4729% | 3,209 |
| Core capital (leverage) ratio | 10.7358% | 2,654 |
| Tier 1 risk-based capital ratio | 15.1314% | 2,906 |
| Total risk-based capital ratio | 16.4066% | 2,828 |
| Memoranda: | ||
| Average total assets | $503,924,000 | 1,411 |
| Average earning assets | $470,486,500 | 1,405 |
| Average equity | $53,051,000 | 1,461 |
| Average total loans | $356,528,500 | 1,373 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 1,746 |
| Cost of funding earning assets | 0.5111% | 2,003 |
| Net interest margin | 3.9185% | 1,909 |
| Noninterest income to average assets | 0.6944% | 2,204 |
| Noninterest expense to average assets | 2.5335% | 3,905 |
| Loan and lease loss provision to assets | 0.3958% | 394 |
| Net operating income to assets | 0.9733% | 2,474 |
| Return on assets (ROA) | 0.9733% | 2,580 |
| Pretax return on assets | 1.4383% | 1,787 |
| Return on Equity (ROE) | 9.1692% | 2,333 |
| Retained earnings to average equity (ytd only) | 7.2224% | 1,146 |
| Net charge-offs to loans | 0.0465% | 3,104 |
| Credit loss provision to net charge-offs | 1,192.1212% | 334 |
| Earnings coverage of net charge-offs (x) | 55.2424% | 950 |
| Efficiency ratio | 58.0070% | 4,850 |
| Assets per employee ($millions) | 4.1419% | 3,720 |
| Cash dividends to net income (ytd only)* | 21.2322% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5290% | 300 |
| Loan loss allowance to noncurrent loans | 68.8109% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7490% | 404 |
| Noncurrent loans to loans | 3.6753% | 315 |
| Net loans and leases to total assets | 69.5094% | 2,552 |
| Net loans and leases to deposits | 78.1781% | 3,082 |
| Net loans and leases to core deposits | 85.6293% | 2,876 |
| Total domestic deposits to total assets | 88.9116% | 1,158 |
| Equity capital to assets | 10.8731% | 2,737 |
| Core capital (leverage) ratio | 10.7883% | 2,544 |
| Tier 1 risk-based capital ratio | 15.4291% | 2,775 |
| Total risk-based capital ratio | 16.6952% | 2,702 |
| Memoranda: | ||
| Average total assets | $496,986,600 | 1,387 |
| Average earning assets | $465,863,000 | 1,367 |
| Average equity | $52,752,800 | 1,458 |
| Average total loans | $355,017,200 | 1,320 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 1,763 |
| Cost of funding earning assets | 0.5044% | 2,062 |
| Net interest margin | 3.9246% | 1,897 |
| Noninterest income to average assets | 0.7152% | 2,103 |
| Noninterest expense to average assets | 2.5015% | 3,979 |
| Loan and lease loss provision to assets | 0.4271% | 325 |
| Net operating income to assets | 0.9894% | 2,485 |
| Return on assets (ROA) | 0.9894% | 2,623 |
| Pretax return on assets | 1.4686% | 1,813 |
| Return on Equity (ROE) | 9.3785% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.3785% | 717 |
| Net charge-offs to loans | 0.0244% | 3,178 |
| Credit loss provision to net charge-offs | 2,449.2308% | 209 |
| Earnings coverage of net charge-offs (x) | 108.7134% | 620 |
| Efficiency ratio | 56.8883% | 4,969 |
| Assets per employee ($millions) | 4.3295% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4612% | 346 |
| Loan loss allowance to noncurrent loans | 64.4346% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.8160% | 445 |
| Noncurrent loans to loans | 3.8197% | 307 |
| Net loans and leases to total assets | 69.1604% | 2,613 |
| Net loans and leases to deposits | 77.8223% | 3,202 |
| Net loans and leases to core deposits | 84.8445% | 3,048 |
| Total domestic deposits to total assets | 88.8696% | 977 |
| Equity capital to assets | 10.8852% | 3,156 |
| Core capital (leverage) ratio | 10.8054% | 2,680 |
| Tier 1 risk-based capital ratio | 15.3726% | 2,883 |
| Total risk-based capital ratio | 16.6377% | 2,807 |
| Memoranda: | ||
| Average total assets | $496,976,750 | 1,392 |
| Average earning assets | $466,246,500 | 1,363 |
| Average equity | $52,430,500 | 1,471 |
| Average total loans | $355,160,500 | 1,322 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,816 |
| Cost of funding earning assets | 0.4926% | 2,164 |
| Net interest margin | 3.9123% | 1,937 |
| Noninterest income to average assets | 0.7574% | 1,899 |
| Noninterest expense to average assets | 2.4922% | 4,052 |
| Loan and lease loss provision to assets | 0.2291% | 886 |
| Net operating income to assets | 1.1577% | 1,744 |
| Return on assets (ROA) | 1.1577% | 1,858 |
| Pretax return on assets | 1.7170% | 1,053 |
| Return on Equity (ROE) | 11.0915% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.0915% | 430 |
| Net charge-offs to loans | 0.0337% | 2,778 |
| Credit loss provision to net charge-offs | 948.3333% | 392 |
| Earnings coverage of net charge-offs (x) | 80.5500% | 701 |
| Efficiency ratio | 56.1513% | 5,130 |
| Assets per employee ($millions) | 4.4782% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 586 |
| Loan loss allowance to noncurrent loans | 63.2660% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 540 |
| Noncurrent loans to loans | 3.3847% | 397 |
| Net loans and leases to total assets | 69.8935% | 2,498 |
| Net loans and leases to deposits | 78.3771% | 3,114 |
| Net loans and leases to core deposits | 85.1175% | 2,972 |
| Total domestic deposits to total assets | 89.1758% | 832 |
| Equity capital to assets | 10.6477% | 3,474 |
| Core capital (leverage) ratio | 10.5491% | 2,917 |
| Tier 1 risk-based capital ratio | 15.0755% | 3,046 |
| Total risk-based capital ratio | 16.3367% | 2,974 |
| Memoranda: | ||
| Average total assets | $496,669,670 | 1,395 |
| Average earning assets | $467,296,000 | 1,361 |
| Average equity | $51,841,670 | 1,488 |
| Average total loans | $355,868,330 | 1,313 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,517 |
| Cost of funding earning assets | 0.4852% | 2,230 |
| Net interest margin | 4.0113% | 1,581 |
| Noninterest income to average assets | 0.6612% | 2,210 |
| Noninterest expense to average assets | 2.4321% | 4,285 |
| Loan and lease loss provision to assets | 0.3326% | 453 |
| Net operating income to assets | 1.1323% | 1,781 |
| Return on assets (ROA) | 1.1323% | 1,890 |
| Pretax return on assets | 1.6770% | 1,118 |
| Return on Equity (ROE) | 10.9597% | 1,614 |
| Retained earnings to average equity (ytd only) | 10.9597% | 658 |
| Net charge-offs to loans | 0.1444% | 1,247 |
| Credit loss provision to net charge-offs | 321.0938% | 814 |
| Earnings coverage of net charge-offs (x) | 19.3984% | 1,505 |
| Efficiency ratio | 54.7558% | 5,308 |
| Assets per employee ($millions) | 4.5161% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 685 |
| Loan loss allowance to noncurrent loans | 111.1028% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 1,422 |
| Noncurrent loans to loans | 1.8884% | 1,167 |
| Net loans and leases to total assets | 68.6849% | 2,545 |
| Net loans and leases to deposits | 76.7510% | 3,134 |
| Net loans and leases to core deposits | 83.4936% | 2,983 |
| Total domestic deposits to total assets | 89.4906% | 839 |
| Equity capital to assets | 10.2417% | 3,805 |
| Core capital (leverage) ratio | 10.3827% | 3,091 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,255 |
| Total risk-based capital ratio | 16.0285% | 3,189 |
| Memoranda: | ||
| Average total assets | $494,223,500 | 1,398 |
| Average earning assets | $465,785,500 | 1,365 |
| Average equity | $51,060,000 | 1,505 |
| Average total loans | $354,687,500 | 1,311 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,728 |
| Cost of funding earning assets | 0.4815% | 2,345 |
| Net interest margin | 3.9741% | 1,802 |
| Noninterest income to average assets | 0.6112% | 2,665 |
| Noninterest expense to average assets | 2.3588% | 4,620 |
| Loan and lease loss provision to assets | 0.1726% | 1,323 |
| Net operating income to assets | 1.2341% | 1,439 |
| Return on assets (ROA) | 1.2341% | 1,492 |
| Pretax return on assets | 1.8502% | 726 |
| Return on Equity (ROE) | 12.4265% | 1,202 |
| Retained earnings to average equity (ytd only) | 10.2956% | 423 |
| Net charge-offs to loans | 0.1321% | 2,047 |
| Credit loss provision to net charge-offs | 186.8304% | 1,473 |
| Earnings coverage of net charge-offs (x) | 21.8906% | 1,793 |
| Efficiency ratio | 53.8342% | 5,531 |
| Assets per employee ($millions) | 4.4689% | 3,094 |
| Cash dividends to net income (ytd only)* | 17.1486% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 773 |
| Loan loss allowance to noncurrent loans | 159.1909% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 1,790 |
| Noncurrent loans to loans | 1.2690% | 1,856 |
| Net loans and leases to total assets | 71.9698% | 2,055 |
| Net loans and leases to deposits | 80.4449% | 2,774 |
| Net loans and leases to core deposits | 87.6270% | 2,641 |
| Total domestic deposits to total assets | 89.4647% | 875 |
| Equity capital to assets | 10.4253% | 3,448 |
| Core capital (leverage) ratio | 10.2690% | 3,191 |
| Tier 1 risk-based capital ratio | 14.2783% | 3,562 |
| Total risk-based capital ratio | 15.5378% | 3,475 |
| Memoranda: | ||
| Average total assets | $484,818,400 | 1,390 |
| Average earning assets | $459,982,400 | 1,345 |
| Average equity | $48,147,000 | 1,545 |
| Average total loans | $339,173,200 | 1,321 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 1,902 |
| Cost of funding earning assets | 0.4805% | 2,403 |
| Net interest margin | 3.9267% | 1,943 |
| Noninterest income to average assets | 0.5988% | 2,744 |
| Noninterest expense to average assets | 2.3179% | 4,738 |
| Loan and lease loss provision to assets | 0.1082% | 2,073 |
| Net operating income to assets | 1.2678% | 1,428 |
| Return on assets (ROA) | 1.2678% | 1,488 |
| Pretax return on assets | 1.9056% | 709 |
| Return on Equity (ROE) | 12.9256% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.9256% | 284 |
| Net charge-offs to loans | 0.1626% | 1,525 |
| Credit loss provision to net charge-offs | 96.3325% | 2,362 |
| Earnings coverage of net charge-offs (x) | 17.9242% | 2,031 |
| Efficiency ratio | 53.5101% | 5,554 |
| Assets per employee ($millions) | 4.6749% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 950 |
| Loan loss allowance to noncurrent loans | 1,001.1852% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 4,174 |
| Noncurrent loans to loans | 0.1973% | 4,857 |
| Net loans and leases to total assets | 68.3358% | 2,632 |
| Net loans and leases to deposits | 76.2445% | 3,273 |
| Net loans and leases to core deposits | 83.1226% | 3,138 |
| Total domestic deposits to total assets | 89.6272% | 717 |
| Equity capital to assets | 10.1974% | 3,937 |
| Core capital (leverage) ratio | 10.2216% | 3,347 |
| Tier 1 risk-based capital ratio | 15.1051% | 3,246 |
| Total risk-based capital ratio | 16.3648% | 3,174 |
| Memoranda: | ||
| Average total assets | $485,362,250 | 1,389 |
| Average earning assets | $461,405,250 | 1,346 |
| Average equity | $47,604,500 | 1,567 |
| Average total loans | $335,336,750 | 1,336 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 1,999 |
| Cost of funding earning assets | 0.4746% | 2,475 |
| Net interest margin | 3.8799% | 2,048 |
| Noninterest income to average assets | 0.5778% | 2,870 |
| Noninterest expense to average assets | 2.3010% | 4,843 |
| Loan and lease loss provision to assets | 0.1315% | 1,672 |
| Net operating income to assets | 1.2210% | 1,538 |
| Return on assets (ROA) | 1.2210% | 1,619 |
| Pretax return on assets | 1.8348% | 838 |
| Return on Equity (ROE) | 12.6187% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.6187% | 340 |
| Net charge-offs to loans | 0.2438% | 1,067 |
| Credit loss provision to net charge-offs | 78.3251% | 2,353 |
| Earnings coverage of net charge-offs (x) | 11.7094% | 2,268 |
| Efficiency ratio | 53.9207% | 5,594 |
| Assets per employee ($millions) | 4.4028% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 1,050 |
| Loan loss allowance to noncurrent loans | 1,502.2472% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 4,450 |
| Noncurrent loans to loans | 0.1305% | 5,229 |
| Net loans and leases to total assets | 68.4325% | 2,582 |
| Net loans and leases to deposits | 76.1050% | 3,258 |
| Net loans and leases to core deposits | 83.4412% | 3,039 |
| Total domestic deposits to total assets | 89.9186% | 696 |
| Equity capital to assets | 9.8886% | 4,170 |
| Core capital (leverage) ratio | 9.8877% | 3,757 |
| Tier 1 risk-based capital ratio | 14.4363% | 3,673 |
| Total risk-based capital ratio | 15.6956% | 3,591 |
| Memoranda: | ||
| Average total assets | $483,529,670 | 1,411 |
| Average earning assets | $459,801,670 | 1,357 |
| Average equity | $46,787,670 | 1,592 |
| Average total loans | $333,052,000 | 1,352 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,109 |
| Cost of funding earning assets | 0.4714% | 2,554 |
| Net interest margin | 3.8259% | 2,148 |
| Noninterest income to average assets | 0.5464% | 2,976 |
| Noninterest expense to average assets | 2.2523% | 4,996 |
| Loan and lease loss provision to assets | 0.1056% | 1,943 |
| Net operating income to assets | 1.2168% | 1,500 |
| Return on assets (ROA) | 1.2168% | 1,593 |
| Pretax return on assets | 1.8339% | 817 |
| Return on Equity (ROE) | 12.7168% | 1,156 |
| Retained earnings to average equity (ytd only) | 12.7168% | 476 |
| Net charge-offs to loans | 0.0802% | 1,909 |
| Credit loss provision to net charge-offs | 192.4242% | 1,079 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,046 |
| Efficiency ratio | 53.7302% | 5,698 |
| Assets per employee ($millions) | 4.5931% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 974 |
| Loan loss allowance to noncurrent loans | 851.0585% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 4,325 |
| Noncurrent loans to loans | 0.2424% | 4,911 |
| Net loans and leases to total assets | 65.4108% | 2,862 |
| Net loans and leases to deposits | 72.4402% | 3,497 |
| Net loans and leases to core deposits | 79.8864% | 3,180 |
| Total domestic deposits to total assets | 90.2962% | 610 |
| Equity capital to assets | 9.4395% | 4,822 |
| Core capital (leverage) ratio | 9.7190% | 3,989 |
| Tier 1 risk-based capital ratio | 13.7526% | 4,186 |
| Total risk-based capital ratio | 15.0120% | 4,091 |
| Memoranda: | ||
| Average total assets | $480,938,500 | 1,421 |
| Average earning assets | $458,249,000 | 1,364 |
| Average equity | $46,018,000 | 1,621 |
| Average total loans | $329,016,500 | 1,366 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,044 |
| Cost of funding earning assets | 0.5036% | 2,638 |
| Net interest margin | 3.9520% | 2,043 |
| Noninterest income to average assets | 0.6260% | 2,705 |
| Noninterest expense to average assets | 2.3021% | 5,110 |
| Loan and lease loss provision to assets | 0.0723% | 3,036 |
| Net operating income to assets | 1.3325% | 1,226 |
| Return on assets (ROA) | 1.3325% | 1,280 |
| Pretax return on assets | 2.0050% | 510 |
| Return on Equity (ROE) | 14.0890% | 922 |
| Retained earnings to average equity (ytd only) | 11.6931% | 321 |
| Net charge-offs to loans | -0.0513% | 5,940 |
| Credit loss provision to net charge-offs | -206.2893% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5669% | 5,945 |
| Assets per employee ($millions) | 4.3946% | 3,201 |
| Cash dividends to net income (ytd only)* | 17.0058% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0730% | 991 |
| Loan loss allowance to noncurrent loans | 1,053.3437% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 4,442 |
| Noncurrent loans to loans | 0.1968% | 5,117 |
| Net loans and leases to total assets | 68.6856% | 2,462 |
| Net loans and leases to deposits | 76.1492% | 3,179 |
| Net loans and leases to core deposits | 83.8777% | 2,913 |
| Total domestic deposits to total assets | 90.1987% | 650 |
| Equity capital to assets | 9.7056% | 4,462 |
| Core capital (leverage) ratio | 9.6471% | 4,039 |
| Tier 1 risk-based capital ratio | 14.0818% | 4,038 |
| Total risk-based capital ratio | 15.3424% | 3,953 |
| Memoranda: | ||
| Average total assets | $453,673,800 | 1,465 |
| Average earning assets | $430,865,800 | 1,422 |
| Average equity | $42,905,800 | 1,678 |
| Average total loans | $310,026,600 | 1,384 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 2,183 |
| Cost of funding earning assets | 0.5057% | 2,700 |
| Net interest margin | 3.9050% | 2,216 |
| Noninterest income to average assets | 0.6086% | 2,813 |
| Noninterest expense to average assets | 2.2667% | 5,190 |
| Loan and lease loss provision to assets | 0.0817% | 2,720 |
| Net operating income to assets | 1.3069% | 1,350 |
| Return on assets (ROA) | 1.3069% | 1,410 |
| Pretax return on assets | 1.9640% | 619 |
| Return on Equity (ROE) | 13.9127% | 1,003 |
| Retained earnings to average equity (ytd only) | 13.9127% | 259 |
| Net charge-offs to loans | -0.0702% | 6,034 |
| Credit loss provision to net charge-offs | -171.4286% | 5,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5626% | 5,954 |
| Assets per employee ($millions) | 4.3934% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 1,092 |
| Loan loss allowance to noncurrent loans | 247.9897% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 3,178 |
| Noncurrent loans to loans | 0.8465% | 3,455 |
| Net loans and leases to total assets | 67.9640% | 2,536 |
| Net loans and leases to deposits | 75.3797% | 3,261 |
| Net loans and leases to core deposits | 83.3150% | 2,959 |
| Total domestic deposits to total assets | 90.1622% | 658 |
| Equity capital to assets | 9.6676% | 4,585 |
| Core capital (leverage) ratio | 9.7295% | 4,028 |
| Tier 1 risk-based capital ratio | 14.2739% | 4,040 |
| Total risk-based capital ratio | 15.5349% | 3,957 |
| Memoranda: | ||
| Average total assets | $450,636,250 | 1,484 |
| Average earning assets | $427,408,250 | 1,448 |
| Average equity | $42,329,500 | 1,706 |
| Average total loans | $305,851,500 | 1,410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 2,351 |
| Cost of funding earning assets | 0.4998% | 2,834 |
| Net interest margin | 3.8577% | 2,344 |
| Noninterest income to average assets | 0.6478% | 2,557 |
| Noninterest expense to average assets | 2.2358% | 5,324 |
| Loan and lease loss provision to assets | 0.0425% | 3,470 |
| Net operating income to assets | 1.3505% | 1,183 |
| Return on assets (ROA) | 1.3505% | 1,228 |
| Pretax return on assets | 2.0296% | 526 |
| Return on Equity (ROE) | 14.5236% | 870 |
| Retained earnings to average equity (ytd only) | 14.5236% | 237 |
| Net charge-offs to loans | -0.1202% | 6,201 |
| Credit loss provision to net charge-offs | -52.4862% | 5,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9003% | 6,073 |
| Assets per employee ($millions) | 4.4520% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 1,166 |
| Loan loss allowance to noncurrent loans | 295.3195% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 4,437 |
| Noncurrent loans to loans | 0.7128% | 3,925 |
| Net loans and leases to total assets | 66.5525% | 2,663 |
| Net loans and leases to deposits | 73.6466% | 3,366 |
| Net loans and leases to core deposits | 81.1633% | 3,084 |
| Total domestic deposits to total assets | 90.3674% | 632 |
| Equity capital to assets | 9.4178% | 4,824 |
| Core capital (leverage) ratio | 9.5293% | 4,285 |
| Tier 1 risk-based capital ratio | 14.1522% | 4,150 |
| Total risk-based capital ratio | 15.4133% | 4,080 |
| Memoranda: | ||
| Average total assets | $447,080,670 | 1,492 |
| Average earning assets | $424,192,330 | 1,455 |
| Average equity | $41,573,670 | 1,726 |
| Average total loans | $301,054,330 | 1,429 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,542 |
| Cost of funding earning assets | 0.5004% | 2,908 |
| Net interest margin | 3.7946% | 2,494 |
| Noninterest income to average assets | 0.5882% | 2,802 |
| Noninterest expense to average assets | 2.2423% | 5,348 |
| Loan and lease loss provision to assets | 0.0045% | 3,761 |
| Net operating income to assets | 1.2960% | 1,229 |
| Return on assets (ROA) | 1.2960% | 1,275 |
| Pretax return on assets | 1.9495% | 591 |
| Return on Equity (ROE) | 14.0308% | 940 |
| Retained earnings to average equity (ytd only) | 14.0308% | 393 |
| Net charge-offs to loans | -0.2394% | 6,430 |
| Credit loss provision to net charge-offs | -2.8249% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4341% | 6,063 |
| Assets per employee ($millions) | 4.3699% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 1,234 |
| Loan loss allowance to noncurrent loans | 284.1828% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 4,473 |
| Noncurrent loans to loans | 0.7568% | 3,973 |
| Net loans and leases to total assets | 65.3767% | 2,658 |
| Net loans and leases to deposits | 72.2150% | 3,312 |
| Net loans and leases to core deposits | 79.4973% | 3,035 |
| Total domestic deposits to total assets | 90.5306% | 781 |
| Equity capital to assets | 9.2217% | 4,847 |
| Core capital (leverage) ratio | 9.4522% | 4,346 |
| Tier 1 risk-based capital ratio | 14.1273% | 4,234 |
| Total risk-based capital ratio | 15.3784% | 4,194 |
| Memoranda: | ||
| Average total assets | $441,342,000 | 1,522 |
| Average earning assets | $419,646,500 | 1,474 |
| Average equity | $40,767,500 | 1,750 |
| Average total loans | $295,709,500 | 1,456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,783 |
| Cost of funding earning assets | 0.5769% | 2,865 |
| Net interest margin | 4.0486% | 1,808 |
| Noninterest income to average assets | 0.6725% | 2,691 |
| Noninterest expense to average assets | 2.3776% | 5,135 |
| Loan and lease loss provision to assets | 0.0564% | 4,021 |
| Net operating income to assets | 1.3733% | 1,079 |
| Return on assets (ROA) | 1.3733% | 1,120 |
| Pretax return on assets | 2.0698% | 412 |
| Return on Equity (ROE) | 14.9394% | 779 |
| Retained earnings to average equity (ytd only) | 12.4833% | 272 |
| Net charge-offs to loans | 0.0638% | 4,318 |
| Credit loss provision to net charge-offs | 127.3224% | 1,848 |
| Earnings coverage of net charge-offs (x) | 48.0109% | 821 |
| Efficiency ratio | 52.7914% | 6,231 |
| Assets per employee ($millions) | 4.1198% | 3,600 |
| Cash dividends to net income (ytd only)* | 16.4405% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,231 |
| Loan loss allowance to noncurrent loans | 256.1532% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 4,247 |
| Noncurrent loans to loans | 0.8442% | 3,871 |
| Net loans and leases to total assets | 65.7455% | 2,733 |
| Net loans and leases to deposits | 72.6453% | 3,437 |
| Net loans and leases to core deposits | 80.1924% | 3,108 |
| Total domestic deposits to total assets | 90.5022% | 815 |
| Equity capital to assets | 9.2533% | 4,743 |
| Core capital (leverage) ratio | 9.3326% | 4,504 |
| Tier 1 risk-based capital ratio | 14.1633% | 4,178 |
| Total risk-based capital ratio | 15.4250% | 4,115 |
| Memoranda: | ||
| Average total assets | $413,224,000 | 1,597 |
| Average earning assets | $391,051,200 | 1,547 |
| Average equity | $37,986,800 | 1,826 |
| Average total loans | $286,846,400 | 1,478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,715 |
| Cost of funding earning assets | 0.5927% | 2,874 |
| Net interest margin | 4.0690% | 1,731 |
| Noninterest income to average assets | 0.7261% | 2,481 |
| Noninterest expense to average assets | 2.3546% | 5,168 |
| Loan and lease loss provision to assets | 0.0666% | 3,723 |
| Net operating income to assets | 1.4251% | 1,043 |
| Return on assets (ROA) | 1.4251% | 1,099 |
| Pretax return on assets | 2.1489% | 432 |
| Return on Equity (ROE) | 15.5293% | 709 |
| Retained earnings to average equity (ytd only) | 15.5293% | 175 |
| Net charge-offs to loans | 0.0700% | 3,929 |
| Credit loss provision to net charge-offs | 136.0000% | 1,729 |
| Earnings coverage of net charge-offs (x) | 45.2389% | 927 |
| Efficiency ratio | 51.5216% | 6,290 |
| Assets per employee ($millions) | 4.0188% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 1,383 |
| Loan loss allowance to noncurrent loans | 268.0017% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 4,413 |
| Noncurrent loans to loans | 0.8090% | 4,218 |
| Net loans and leases to total assets | 67.2601% | 2,420 |
| Net loans and leases to deposits | 74.3787% | 3,179 |
| Net loans and leases to core deposits | 82.1209% | 2,858 |
| Total domestic deposits to total assets | 90.4292% | 773 |
| Equity capital to assets | 9.3961% | 4,679 |
| Core capital (leverage) ratio | 9.5261% | 4,363 |
| Tier 1 risk-based capital ratio | 14.2304% | 4,269 |
| Total risk-based capital ratio | 15.4928% | 4,204 |
| Memoranda: | ||
| Average total assets | $408,384,250 | 1,625 |
| Average earning assets | $385,805,250 | 1,573 |
| Average equity | $37,476,500 | 1,865 |
| Average total loans | $285,885,500 | 1,489 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,679 |
| Cost of funding earning assets | 0.6089% | 2,861 |
| Net interest margin | 4.0492% | 1,698 |
| Noninterest income to average assets | 0.7389% | 2,461 |
| Noninterest expense to average assets | 2.3796% | 5,108 |
| Loan and lease loss provision to assets | 0.1010% | 3,110 |
| Net operating income to assets | 1.3847% | 1,115 |
| Return on assets (ROA) | 1.3847% | 1,198 |
| Pretax return on assets | 2.0884% | 506 |
| Return on Equity (ROE) | 15.2154% | 768 |
| Retained earnings to average equity (ytd only) | 15.2154% | 223 |
| Net charge-offs to loans | 0.0120% | 4,628 |
| Credit loss provision to net charge-offs | 1,200.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 260.0588% | 199 |
| Efficiency ratio | 52.0811% | 6,276 |
| Assets per employee ($millions) | 3.9302% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 1,377 |
| Loan loss allowance to noncurrent loans | 222.1723% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 4,309 |
| Noncurrent loans to loans | 1.0006% | 3,933 |
| Net loans and leases to total assets | 68.4551% | 2,159 |
| Net loans and leases to deposits | 75.7847% | 2,908 |
| Net loans and leases to core deposits | 84.3246% | 2,511 |
| Total domestic deposits to total assets | 90.3284% | 841 |
| Equity capital to assets | 9.2134% | 4,975 |
| Core capital (leverage) ratio | 9.2551% | 4,618 |
| Tier 1 risk-based capital ratio | 13.9730% | 4,441 |
| Total risk-based capital ratio | 15.2365% | 4,396 |
| Memoranda: | ||
| Average total assets | $403,855,330 | 1,643 |
| Average earning assets | $381,998,000 | 1,590 |
| Average equity | $36,752,330 | 1,900 |
| Average total loans | $284,478,000 | 1,495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,668 |
| Cost of funding earning assets | 0.6263% | 2,868 |
| Net interest margin | 4.0263% | 1,689 |
| Noninterest income to average assets | 0.7020% | 2,577 |
| Noninterest expense to average assets | 2.3563% | 5,254 |
| Loan and lease loss provision to assets | 0.2043% | 1,816 |
| Net operating income to assets | 1.2978% | 1,280 |
| Return on assets (ROA) | 1.2978% | 1,381 |
| Pretax return on assets | 1.9587% | 640 |
| Return on Equity (ROE) | 14.3530% | 890 |
| Retained earnings to average equity (ytd only) | 14.3530% | 414 |
| Net charge-offs to loans | 0.0255% | 3,675 |
| Credit loss provision to net charge-offs | 1,133.3333% | 282 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 322 |
| Efficiency ratio | 52.1383% | 6,370 |
| Assets per employee ($millions) | 3.9969% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 1,483 |
| Loan loss allowance to noncurrent loans | 236.4507% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 4,543 |
| Noncurrent loans to loans | 0.9518% | 4,235 |
| Net loans and leases to total assets | 68.4220% | 1,935 |
| Net loans and leases to deposits | 75.4502% | 2,714 |
| Net loans and leases to core deposits | 84.3929% | 2,283 |
| Total domestic deposits to total assets | 90.6851% | 676 |
| Equity capital to assets | 9.0210% | 5,461 |
| Core capital (leverage) ratio | 9.2718% | 4,451 |
| Tier 1 risk-based capital ratio | 13.6867% | 4,733 |
| Total risk-based capital ratio | 14.9508% | 4,686 |
| Memoranda: | ||
| Average total assets | $399,447,000 | 1,676 |
| Average earning assets | $378,714,500 | 1,613 |
| Average equity | $36,118,000 | 1,954 |
| Average total loans | $282,258,000 | 1,504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 1,928 |
| Cost of funding earning assets | 0.8379% | 2,372 |
| Net interest margin | 4.0370% | 2,249 |
| Noninterest income to average assets | 0.7517% | 2,487 |
| Noninterest expense to average assets | 2.4280% | 5,331 |
| Loan and lease loss provision to assets | 0.3306% | 2,058 |
| Net operating income to assets | 1.1788% | 1,668 |
| Return on assets (ROA) | 1.1788% | 1,833 |
| Pretax return on assets | 1.7833% | 950 |
| Return on Equity (ROE) | 12.9912% | 1,223 |
| Retained earnings to average equity (ytd only) | 11.4630% | 382 |
| Net charge-offs to loans | 0.0610% | 5,087 |
| Credit loss provision to net charge-offs | 759.6273% | 321 |
| Earnings coverage of net charge-offs (x) | 48.5714% | 691 |
| Efficiency ratio | 53.4579% | 6,326 |
| Assets per employee ($millions) | 3.9121% | 4,122 |
| Cash dividends to net income (ytd only)* | 11.7634% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 1,497 |
| Loan loss allowance to noncurrent loans | 210.7469% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 4,418 |
| Noncurrent loans to loans | 1.0600% | 4,093 |
| Net loans and leases to total assets | 69.7611% | 1,892 |
| Net loans and leases to deposits | 77.0942% | 2,643 |
| Net loans and leases to core deposits | 85.3510% | 2,392 |
| Total domestic deposits to total assets | 90.4881% | 707 |
| Equity capital to assets | 9.0638% | 5,450 |
| Core capital (leverage) ratio | 9.2149% | 4,555 |
| Tier 1 risk-based capital ratio | 13.4846% | 4,758 |
| Total risk-based capital ratio | 14.7484% | 4,706 |
| Memoranda: | ||
| Average total assets | $369,941,600 | 1,761 |
| Average earning assets | $347,313,200 | 1,716 |
| Average equity | $33,569,000 | 2,056 |
| Average total loans | $263,925,200 | 1,569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 2,099 |
| Cost of funding earning assets | 0.8794% | 2,317 |
| Net interest margin | 3.9975% | 2,508 |
| Noninterest income to average assets | 0.7858% | 2,299 |
| Noninterest expense to average assets | 2.4244% | 5,326 |
| Loan and lease loss provision to assets | 0.4176% | 1,533 |
| Net operating income to assets | 1.1167% | 2,037 |
| Return on assets (ROA) | 1.1167% | 2,231 |
| Pretax return on assets | 1.6905% | 1,295 |
| Return on Equity (ROE) | 12.3031% | 1,534 |
| Retained earnings to average equity (ytd only) | 12.3031% | 486 |
| Net charge-offs to loans | 0.0610% | 4,814 |
| Credit loss provision to net charge-offs | 959.6639% | 301 |
| Earnings coverage of net charge-offs (x) | 48.4462% | 774 |
| Efficiency ratio | 53.4893% | 6,304 |
| Assets per employee ($millions) | 3.8793% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,618 |
| Loan loss allowance to noncurrent loans | 168.9477% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 4,354 |
| Noncurrent loans to loans | 1.3286% | 3,813 |
| Net loans and leases to total assets | 70.9899% | 1,724 |
| Net loans and leases to deposits | 78.5885% | 2,584 |
| Net loans and leases to core deposits | 87.9985% | 2,216 |
| Total domestic deposits to total assets | 90.3311% | 664 |
| Equity capital to assets | 9.1218% | 5,681 |
| Core capital (leverage) ratio | 9.2108% | 4,743 |
| Tier 1 risk-based capital ratio | 13.3673% | 4,974 |
| Total risk-based capital ratio | 14.6316% | 4,924 |
| Memoranda: | ||
| Average total assets | $364,623,500 | 1,809 |
| Average earning assets | $341,735,000 | 1,762 |
| Average equity | $33,096,500 | 2,099 |
| Average total loans | $260,118,750 | 1,604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 2,267 |
| Cost of funding earning assets | 0.9190% | 2,264 |
| Net interest margin | 3.9408% | 2,748 |
| Noninterest income to average assets | 0.7979% | 2,191 |
| Noninterest expense to average assets | 2.4293% | 5,357 |
| Loan and lease loss provision to assets | 0.3939% | 1,667 |
| Net operating income to assets | 1.1023% | 2,036 |
| Return on assets (ROA) | 1.1023% | 2,256 |
| Pretax return on assets | 1.6681% | 1,345 |
| Return on Equity (ROE) | 12.1648% | 1,619 |
| Retained earnings to average equity (ytd only) | 12.1648% | 557 |
| Net charge-offs to loans | 0.0934% | 4,219 |
| Credit loss provision to net charge-offs | 594.9580% | 532 |
| Earnings coverage of net charge-offs (x) | 31.1429% | 1,046 |
| Efficiency ratio | 54.0882% | 6,308 |
| Assets per employee ($millions) | 3.8018% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1891% | 1,794 |
| Loan loss allowance to noncurrent loans | 163.5358% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0062% | 4,363 |
| Noncurrent loans to loans | 1.3386% | 3,918 |
| Net loans and leases to total assets | 69.1106% | 2,087 |
| Net loans and leases to deposits | 76.0846% | 2,978 |
| Net loans and leases to core deposits | 85.0559% | 2,554 |
| Total domestic deposits to total assets | 90.8339% | 515 |
| Equity capital to assets | 9.0136% | 5,685 |
| Core capital (leverage) ratio | 9.2352% | 4,545 |
| Tier 1 risk-based capital ratio | 13.6228% | 4,723 |
| Total risk-based capital ratio | 14.8864% | 4,684 |
| Memoranda: | ||
| Average total assets | $359,442,330 | 1,831 |
| Average earning assets | $336,885,330 | 1,786 |
| Average equity | $32,569,330 | 2,116 |
| Average total loans | $254,799,330 | 1,635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 2,311 |
| Cost of funding earning assets | 0.9570% | 2,255 |
| Net interest margin | 3.9258% | 2,820 |
| Noninterest income to average assets | 0.7844% | 2,236 |
| Noninterest expense to average assets | 2.4235% | 5,393 |
| Loan and lease loss provision to assets | 0.4183% | 1,507 |
| Net operating income to assets | 1.0723% | 2,197 |
| Return on assets (ROA) | 1.0723% | 2,382 |
| Pretax return on assets | 1.6255% | 1,487 |
| Return on Equity (ROE) | 11.8019% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.8019% | 854 |
| Net charge-offs to loans | 0.0192% | 4,422 |
| Credit loss provision to net charge-offs | 3,075.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 150.2500% | 242 |
| Efficiency ratio | 54.2502% | 6,319 |
| Assets per employee ($millions) | 3.7760% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1819% | 1,920 |
| Loan loss allowance to noncurrent loans | 136.2315% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 4,224 |
| Noncurrent loans to loans | 1.6016% | 3,718 |
| Net loans and leases to total assets | 69.1263% | 1,930 |
| Net loans and leases to deposits | 76.6827% | 2,707 |
| Net loans and leases to core deposits | 86.3471% | 2,250 |
| Total domestic deposits to total assets | 90.1458% | 1,007 |
| Equity capital to assets | 9.0714% | 5,400 |
| Core capital (leverage) ratio | 9.3035% | 4,359 |
| Tier 1 risk-based capital ratio | 13.6083% | 4,746 |
| Total risk-based capital ratio | 14.8716% | 4,722 |
| Memoranda: | ||
| Average total assets | $352,873,000 | 1,876 |
| Average earning assets | $331,041,500 | 1,825 |
| Average equity | $32,062,500 | 2,148 |
| Average total loans | $250,571,000 | 1,659 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 3,000 |
| Cost of funding earning assets | 1.1086% | 2,614 |
| Net interest margin | 3.8654% | 3,491 |
| Noninterest income to average assets | 0.7696% | 2,235 |
| Noninterest expense to average assets | 2.4275% | 5,706 |
| Loan and lease loss provision to assets | 0.2231% | 3,970 |
| Net operating income to assets | 1.1521% | 1,662 |
| Return on assets (ROA) | 1.1521% | 1,772 |
| Pretax return on assets | 1.7457% | 902 |
| Return on Equity (ROE) | 13.0682% | 1,145 |
| Retained earnings to average equity (ytd only) | 11.6674% | 334 |
| Net charge-offs to loans | 0.1454% | 4,980 |
| Credit loss provision to net charge-offs | 216.2857% | 1,129 |
| Earnings coverage of net charge-offs (x) | 19.0857% | 1,183 |
| Efficiency ratio | 55.2159% | 6,398 |
| Assets per employee ($millions) | 3.7315% | 4,483 |
| Cash dividends to net income (ytd only)* | 10.7189% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 2,035 |
| Loan loss allowance to noncurrent loans | 209.3042% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 5,153 |
| Noncurrent loans to loans | 0.9982% | 4,708 |
| Net loans and leases to total assets | 69.8701% | 2,058 |
| Net loans and leases to deposits | 77.0834% | 2,984 |
| Net loans and leases to core deposits | 86.8802% | 2,517 |
| Total domestic deposits to total assets | 90.6422% | 648 |
| Equity capital to assets | 9.1013% | 5,406 |
| Core capital (leverage) ratio | 9.0937% | 4,631 |
| Tier 1 risk-based capital ratio | 13.3696% | 4,793 |
| Total risk-based capital ratio | 14.6311% | 4,760 |
| Memoranda: | ||
| Average total assets | $339,281,800 | 1,905 |
| Average earning assets | $318,338,800 | 1,849 |
| Average equity | $29,912,400 | 2,207 |
| Average total loans | $240,783,600 | 1,742 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 3,260 |
| Cost of funding earning assets | 1.1360% | 2,729 |
| Net interest margin | 3.8316% | 3,709 |
| Noninterest income to average assets | 0.7640% | 2,237 |
| Noninterest expense to average assets | 2.3659% | 5,863 |
| Loan and lease loss provision to assets | 0.2190% | 3,823 |
| Net operating income to assets | 1.1727% | 1,739 |
| Return on assets (ROA) | 1.1727% | 1,855 |
| Pretax return on assets | 1.7746% | 1,003 |
| Return on Equity (ROE) | 13.4123% | 1,182 |
| Retained earnings to average equity (ytd only) | 13.4123% | 339 |
| Net charge-offs to loans | -0.0045% | 6,707 |
| Credit loss provision to net charge-offs | -6,925.0000% | 6,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2702% | 6,460 |
| Assets per employee ($millions) | 3.7557% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2022% | 1,855 |
| Loan loss allowance to noncurrent loans | 179.8515% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 5,037 |
| Noncurrent loans to loans | 1.2245% | 4,496 |
| Net loans and leases to total assets | 68.4908% | 2,376 |
| Net loans and leases to deposits | 75.4460% | 3,424 |
| Net loans and leases to core deposits | 84.8611% | 2,932 |
| Total domestic deposits to total assets | 90.7813% | 521 |
| Equity capital to assets | 8.9895% | 5,769 |
| Core capital (leverage) ratio | 9.1291% | 4,747 |
| Tier 1 risk-based capital ratio | 13.5912% | 4,660 |
| Total risk-based capital ratio | 14.8546% | 4,617 |
| Memoranda: | ||
| Average total assets | $337,345,500 | 1,926 |
| Average earning assets | $316,553,250 | 1,871 |
| Average equity | $29,494,500 | 2,227 |
| Average total loans | $239,069,000 | 1,765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 3,564 |
| Cost of funding earning assets | 1.1639% | 2,815 |
| Net interest margin | 3.7472% | 4,044 |
| Noninterest income to average assets | 0.8027% | 2,003 |
| Noninterest expense to average assets | 2.3824% | 5,897 |
| Loan and lease loss provision to assets | 0.2176% | 3,744 |
| Net operating income to assets | 1.1398% | 1,757 |
| Return on assets (ROA) | 1.1398% | 1,828 |
| Pretax return on assets | 1.7243% | 1,004 |
| Return on Equity (ROE) | 13.1643% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.1643% | 378 |
| Net charge-offs to loans | -0.0067% | 6,623 |
| Credit loss provision to net charge-offs | -4,550.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0933% | 6,498 |
| Assets per employee ($millions) | 4.0571% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 2,063 |
| Loan loss allowance to noncurrent loans | 176.7194% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 4,996 |
| Noncurrent loans to loans | 1.2025% | 4,648 |
| Net loans and leases to total assets | 70.2859% | 2,161 |
| Net loans and leases to deposits | 77.3436% | 3,247 |
| Net loans and leases to core deposits | 86.2249% | 2,872 |
| Total domestic deposits to total assets | 90.8749% | 554 |
| Equity capital to assets | 8.9080% | 5,700 |
| Core capital (leverage) ratio | 8.8154% | 5,018 |
| Tier 1 risk-based capital ratio | 13.2074% | 4,764 |
| Total risk-based capital ratio | 14.4699% | 4,727 |
| Memoranda: | ||
| Average total assets | $334,619,000 | 1,949 |
| Average earning assets | $314,471,000 | 1,891 |
| Average equity | $28,972,330 | 2,244 |
| Average total loans | $238,098,000 | 1,791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 3,850 |
| Cost of funding earning assets | 1.1768% | 2,972 |
| Net interest margin | 3.6674% | 4,257 |
| Noninterest income to average assets | 0.7207% | 2,445 |
| Noninterest expense to average assets | 2.3876% | 5,918 |
| Loan and lease loss provision to assets | 0.1067% | 4,679 |
| Net operating income to assets | 1.1165% | 1,782 |
| Return on assets (ROA) | 1.1165% | 1,831 |
| Pretax return on assets | 1.6909% | 1,002 |
| Return on Equity (ROE) | 13.0850% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.0850% | 575 |
| Net charge-offs to loans | -0.0305% | 6,714 |
| Credit loss provision to net charge-offs | -494.4444% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0487% | 6,375 |
| Assets per employee ($millions) | 4.0368% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 2,230 |
| Loan loss allowance to noncurrent loans | 199.8360% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 5,319 |
| Noncurrent loans to loans | 1.0393% | 4,980 |
| Net loans and leases to total assets | 67.7677% | 2,603 |
| Net loans and leases to deposits | 74.2810% | 3,720 |
| Net loans and leases to core deposits | 82.2695% | 3,420 |
| Total domestic deposits to total assets | 91.2315% | 519 |
| Equity capital to assets | 8.5323% | 5,863 |
| Core capital (leverage) ratio | 8.7218% | 5,050 |
| Tier 1 risk-based capital ratio | 13.2053% | 4,663 |
| Total risk-based capital ratio | 14.4674% | 4,634 |
| Memoranda: | ||
| Average total assets | $333,557,000 | 1,968 |
| Average earning assets | $315,102,500 | 1,896 |
| Average equity | $28,460,000 | 2,274 |
| Average total loans | $236,236,000 | 1,819 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5341% | 2,145 |
| Cost of funding earning assets | 1.4980% | 2,651 |
| Net interest margin | 4.0361% | 2,858 |
| Noninterest income to average assets | 0.7540% | 2,521 |
| Noninterest expense to average assets | 2.4895% | 5,845 |
| Loan and lease loss provision to assets | 0.1441% | 5,739 |
| Net operating income to assets | 1.2604% | 1,265 |
| Return on assets (ROA) | 1.2604% | 1,335 |
| Pretax return on assets | 1.9054% | 604 |
| Return on Equity (ROE) | 15.1797% | 693 |
| Retained earnings to average equity (ytd only) | 13.6441% | 176 |
| Net charge-offs to loans | 0.1225% | 5,663 |
| Credit loss provision to net charge-offs | 149.8305% | 2,419 |
| Earnings coverage of net charge-offs (x) | 21.3051% | 973 |
| Efficiency ratio | 54.8459% | 6,732 |
| Assets per employee ($millions) | 4.0003% | 3,784 |
| Cash dividends to net income (ytd only)* | 10.1164% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 2,291 |
| Loan loss allowance to noncurrent loans | 285.7914% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 5,829 |
| Noncurrent loans to loans | 0.7014% | 5,645 |
| Net loans and leases to total assets | 71.0428% | 2,290 |
| Net loans and leases to deposits | 77.8832% | 3,530 |
| Net loans and leases to core deposits | 86.0224% | 3,315 |
| Total domestic deposits to total assets | 91.2172% | 498 |
| Equity capital to assets | 8.5323% | 5,810 |
| Core capital (leverage) ratio | 8.5723% | 5,238 |
| Tier 1 risk-based capital ratio | 12.7067% | 4,859 |
| Total risk-based capital ratio | 13.9680% | 4,821 |
| Memoranda: | ||
| Average total assets | $306,647,800 | 2,121 |
| Average earning assets | $287,582,400 | 2,064 |
| Average equity | $25,461,600 | 2,508 |
| Average total loans | $240,778,400 | 1,812 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 1,878 |
| Cost of funding earning assets | 1.5467% | 2,696 |
| Net interest margin | 4.1047% | 2,602 |
| Noninterest income to average assets | 0.7585% | 2,460 |
| Noninterest expense to average assets | 2.4502% | 5,882 |
| Loan and lease loss provision to assets | 0.1863% | 5,178 |
| Net operating income to assets | 1.2966% | 1,345 |
| Return on assets (ROA) | 1.2966% | 1,417 |
| Pretax return on assets | 1.9621% | 678 |
| Return on Equity (ROE) | 15.7333% | 743 |
| Retained earnings to average equity (ytd only) | 15.7333% | 178 |
| Net charge-offs to loans | 0.0491% | 6,030 |
| Credit loss provision to net charge-offs | 473.0337% | 630 |
| Earnings coverage of net charge-offs (x) | 54.5523% | 532 |
| Efficiency ratio | 53.2814% | 6,859 |
| Assets per employee ($millions) | 3.9067% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 2,139 |
| Loan loss allowance to noncurrent loans | 324.9344% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 5,911 |
| Noncurrent loans to loans | 0.6260% | 5,953 |
| Net loans and leases to total assets | 75.3702% | 1,517 |
| Net loans and leases to deposits | 82.7245% | 2,957 |
| Net loans and leases to core deposits | 91.7626% | 2,842 |
| Total domestic deposits to total assets | 91.1099% | 407 |
| Equity capital to assets | 8.6758% | 6,064 |
| Core capital (leverage) ratio | 8.8144% | 4,978 |
| Tier 1 risk-based capital ratio | 12.2504% | 5,218 |
| Total risk-based capital ratio | 13.5121% | 5,184 |
| Memoranda: | ||
| Average total assets | $301,303,250 | 2,177 |
| Average earning assets | $281,884,250 | 2,133 |
| Average equity | $24,830,000 | 2,608 |
| Average total loans | $241,521,500 | 1,832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 1,857 |
| Cost of funding earning assets | 1.5337% | 3,044 |
| Net interest margin | 4.1410% | 2,374 |
| Noninterest income to average assets | 0.7750% | 2,259 |
| Noninterest expense to average assets | 2.4681% | 5,845 |
| Loan and lease loss provision to assets | 0.2309% | 4,608 |
| Net operating income to assets | 1.2894% | 1,331 |
| Return on assets (ROA) | 1.2894% | 1,390 |
| Pretax return on assets | 1.9510% | 662 |
| Return on Equity (ROE) | 15.9463% | 707 |
| Retained earnings to average equity (ytd only) | 15.9463% | 196 |
| Net charge-offs to loans | 0.0440% | 5,765 |
| Credit loss provision to net charge-offs | 645.2830% | 572 |
| Earnings coverage of net charge-offs (x) | 60.9811% | 506 |
| Efficiency ratio | 53.0778% | 6,970 |
| Assets per employee ($millions) | 3.7844% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 2,237 |
| Loan loss allowance to noncurrent loans | 422.4613% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 6,234 |
| Noncurrent loans to loans | 0.4681% | 6,315 |
| Net loans and leases to total assets | 80.3759% | 745 |
| Net loans and leases to deposits | 87.7621% | 2,214 |
| Net loans and leases to core deposits | 96.8089% | 2,348 |
| Total domestic deposits to total assets | 91.5838% | 313 |
| Equity capital to assets | 8.2319% | 6,503 |
| Core capital (leverage) ratio | 8.2861% | 5,797 |
| Tier 1 risk-based capital ratio | 11.0335% | 6,202 |
| Total risk-based capital ratio | 12.2952% | 6,187 |
| Memoranda: | ||
| Average total assets | $296,257,000 | 2,219 |
| Average earning assets | $277,231,000 | 2,179 |
| Average equity | $23,955,330 | 2,699 |
| Average total loans | $240,877,000 | 1,868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6081% | 2,117 |
| Cost of funding earning assets | 1.5160% | 3,450 |
| Net interest margin | 4.0921% | 2,475 |
| Noninterest income to average assets | 0.7577% | 2,253 |
| Noninterest expense to average assets | 2.4204% | 6,014 |
| Loan and lease loss provision to assets | 0.1911% | 4,586 |
| Net operating income to assets | 1.3092% | 1,278 |
| Return on assets (ROA) | 1.3092% | 1,348 |
| Pretax return on assets | 1.9822% | 626 |
| Return on Equity (ROE) | 16.3429% | 678 |
| Retained earnings to average equity (ytd only) | 16.3429% | 318 |
| Net charge-offs to loans | 0.0236% | 5,247 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 113.7143% | 286 |
| Efficiency ratio | 52.6895% | 7,084 |
| Assets per employee ($millions) | 3.8180% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 2,280 |
| Loan loss allowance to noncurrent loans | 447.7358% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 6,319 |
| Noncurrent loans to loans | 0.4382% | 6,422 |
| Net loans and leases to total assets | 79.6402% | 885 |
| Net loans and leases to deposits | 86.8646% | 2,434 |
| Net loans and leases to core deposits | 93.3329% | 2,928 |
| Total domestic deposits to total assets | 91.6831% | 327 |
| Equity capital to assets | 8.0419% | 6,610 |
| Core capital (leverage) ratio | 8.3075% | 5,724 |
| Tier 1 risk-based capital ratio | 10.7503% | 6,389 |
| Total risk-based capital ratio | 12.0110% | 6,365 |
| Memoranda: | ||
| Average total assets | $293,010,500 | 2,291 |
| Average earning assets | $274,672,500 | 2,246 |
| Average equity | $23,472,000 | 2,772 |
| Average total loans | $237,192,000 | 1,945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0007% | 1,868 |
| Cost of funding earning assets | 1.6403% | 4,845 |
| Net interest margin | 4.3604% | 1,542 |
| Noninterest income to average assets | 0.7974% | 2,415 |
| Noninterest expense to average assets | 2.6344% | 5,654 |
| Loan and lease loss provision to assets | 0.4598% | 4,068 |
| Net operating income to assets | 1.1565% | 1,369 |
| Return on assets (ROA) | 1.1565% | 1,392 |
| Pretax return on assets | 1.7388% | 719 |
| Return on Equity (ROE) | 14.3869% | 725 |
| Retained earnings to average equity (ytd only) | 13.1474% | 147 |
| Net charge-offs to loans | 0.2530% | 5,036 |
| Credit loss provision to net charge-offs | 223.1752% | 1,682 |
| Earnings coverage of net charge-offs (x) | 10.6715% | 1,660 |
| Efficiency ratio | 54.5080% | 7,175 |
| Assets per employee ($millions) | 3.7431% | 4,415 |
| Cash dividends to net income (ytd only)* | 8.6151% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9874% | 2,064 |
| Loan loss allowance to noncurrent loans | 352.6718% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 6,048 |
| Noncurrent loans to loans | 0.5635% | 6,117 |
| Net loans and leases to total assets | 79.0538% | 1,166 |
| Net loans and leases to deposits | 86.3738% | 2,847 |
| Net loans and leases to core deposits | 114.8572% | 2,427 |
| Total domestic deposits to total assets | 91.5252% | 373 |
| Equity capital to assets | 7.9783% | 6,606 |
| Core capital (leverage) ratio | 8.1785% | 5,853 |
| Tier 1 risk-based capital ratio | 10.5950% | 6,301 |
| Total risk-based capital ratio | 11.8559% | 6,271 |
| Memoranda: | ||
| Average total assets | $265,984,000 | 2,464 |
| Average earning assets | $246,172,800 | 2,441 |
| Average equity | $21,380,600 | 3,033 |
| Average total loans | $216,592,800 | 2,134 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0815% | 1,716 |
| Cost of funding earning assets | 1.6532% | 5,145 |
| Net interest margin | 4.4282% | 1,369 |
| Noninterest income to average assets | 0.8258% | 2,310 |
| Noninterest expense to average assets | 2.6894% | 5,374 |
| Loan and lease loss provision to assets | 0.5570% | 3,159 |
| Net operating income to assets | 1.0956% | 1,744 |
| Return on assets (ROA) | 1.0956% | 1,804 |
| Pretax return on assets | 1.6619% | 1,039 |
| Return on Equity (ROE) | 13.6018% | 1,000 |
| Retained earnings to average equity (ytd only) | 13.6018% | 220 |
| Net charge-offs to loans | 0.1756% | 4,991 |
| Credit loss provision to net charge-offs | 388.5714% | 1,041 |
| Earnings coverage of net charge-offs (x) | 15.4787% | 1,532 |
| Efficiency ratio | 54.7929% | 7,145 |
| Assets per employee ($millions) | 3.6108% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 1,612 |
| Loan loss allowance to noncurrent loans | 820.8981% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,667 |
| Noncurrent loans to loans | 0.2549% | 6,876 |
| Net loans and leases to total assets | 81.0342% | 970 |
| Net loans and leases to deposits | 88.4444% | 2,880 |
| Net loans and leases to core deposits | 118.4889% | 2,374 |
| Total domestic deposits to total assets | 91.6216% | 236 |
| Equity capital to assets | 8.1415% | 6,702 |
| Core capital (leverage) ratio | 8.1869% | 6,041 |
| Tier 1 risk-based capital ratio | 10.5307% | 6,436 |
| Total risk-based capital ratio | 11.7929% | 6,383 |
| Memoranda: | ||
| Average total assets | $260,425,250 | 2,526 |
| Average earning assets | $240,089,250 | 2,516 |
| Average equity | $20,977,000 | 3,105 |
| Average total loans | $212,624,000 | 2,195 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1182% | 1,734 |
| Cost of funding earning assets | 1.6427% | 5,543 |
| Net interest margin | 4.4755% | 1,223 |
| Noninterest income to average assets | 0.8133% | 2,348 |
| Noninterest expense to average assets | 2.7831% | 5,032 |
| Loan and lease loss provision to assets | 0.4739% | 3,152 |
| Net operating income to assets | 1.0956% | 1,787 |
| Return on assets (ROA) | 1.0956% | 1,863 |
| Pretax return on assets | 1.6617% | 1,090 |
| Return on Equity (ROE) | 13.6536% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.6536% | 274 |
| Net charge-offs to loans | 0.0058% | 6,523 |
| Credit loss provision to net charge-offs | 10,100.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 455.1667% | 71 |
| Efficiency ratio | 56.5819% | 7,043 |
| Assets per employee ($millions) | 3.4283% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 1,437 |
| Loan loss allowance to noncurrent loans | 407.9892% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 6,389 |
| Noncurrent loans to loans | 0.5080% | 6,255 |
| Net loans and leases to total assets | 82.4203% | 879 |
| Net loans and leases to deposits | 90.1306% | 2,815 |
| Net loans and leases to core deposits | 115.9104% | 2,719 |
| Total domestic deposits to total assets | 91.4454% | 331 |
| Equity capital to assets | 8.2986% | 6,332 |
| Core capital (leverage) ratio | 8.3716% | 5,675 |
| Tier 1 risk-based capital ratio | 10.3942% | 6,486 |
| Total risk-based capital ratio | 11.6557% | 6,414 |
| Memoranda: | ||
| Average total assets | $255,760,330 | 2,575 |
| Average earning assets | $234,612,000 | 2,581 |
| Average equity | $20,522,000 | 3,172 |
| Average total loans | $207,789,670 | 2,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1251% | 1,848 |
| Cost of funding earning assets | 1.6835% | 5,668 |
| Net interest margin | 4.4416% | 1,245 |
| Noninterest income to average assets | 0.7783% | 2,438 |
| Noninterest expense to average assets | 2.7707% | 4,697 |
| Loan and lease loss provision to assets | 0.4499% | 2,668 |
| Net operating income to assets | 1.0609% | 2,104 |
| Return on assets (ROA) | 1.0609% | 2,234 |
| Pretax return on assets | 1.6103% | 1,376 |
| Return on Equity (ROE) | 13.4588% | 1,279 |
| Retained earnings to average equity (ytd only) | 13.4588% | 573 |
| Net charge-offs to loans | -0.0020% | 7,113 |
| Credit loss provision to net charge-offs | -28,500.0000% | 6,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3529% | 6,775 |
| Assets per employee ($millions) | 3.3573% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 1,328 |
| Loan loss allowance to noncurrent loans | 573.3062% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 6,175 |
| Noncurrent loans to loans | 0.3573% | 6,538 |
| Net loans and leases to total assets | 79.2866% | 1,526 |
| Net loans and leases to deposits | 86.5819% | 3,538 |
| Net loans and leases to core deposits | 110.4003% | 3,380 |
| Total domestic deposits to total assets | 91.5741% | 257 |
| Equity capital to assets | 8.1911% | 6,547 |
| Core capital (leverage) ratio | 8.3037% | 5,895 |
| Tier 1 risk-based capital ratio | 10.4655% | 6,432 |
| Total risk-based capital ratio | 11.7263% | 6,335 |
| Memoranda: | ||
| Average total assets | $253,365,500 | 2,606 |
| Average earning assets | $231,179,500 | 2,634 |
| Average equity | $19,972,000 | 3,265 |
| Average total loans | $202,039,000 | 2,347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9426% | 1,277 |
| Cost of funding earning assets | 2.3335% | 4,993 |
| Net interest margin | 4.6091% | 1,154 |
| Noninterest income to average assets | 0.8847% | 2,032 |
| Noninterest expense to average assets | 2.6445% | 5,470 |
| Loan and lease loss provision to assets | 0.4381% | 3,099 |
| Net operating income to assets | 1.3844% | 1,268 |
| Return on assets (ROA) | 1.3844% | 1,217 |
| Pretax return on assets | 2.0615% | 523 |
| Return on Equity (ROE) | 17.4547% | 578 |
| Retained earnings to average equity (ytd only) | 15.9505% | 72 |
| Net charge-offs to loans | 0.0058% | 6,887 |
| Credit loss provision to net charge-offs | 9,730.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 555.2000% | 102 |
| Efficiency ratio | 51.4091% | 7,550 |
| Assets per employee ($millions) | 3.4463% | 4,804 |
| Cash dividends to net income (ytd only)* | 8.6179% | 4,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 1,230 |
| Loan loss allowance to noncurrent loans | 519.0789% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 5,858 |
| Noncurrent loans to loans | 0.3847% | 6,189 |
| Net loans and leases to total assets | 76.9542% | 2,392 |
| Net loans and leases to deposits | 83.5949% | 4,484 |
| Net loans and leases to core deposits | 105.6054% | 4,233 |
| Total domestic deposits to total assets | 92.0561% | 126 |
| Equity capital to assets | 7.5698% | 7,329 |
| Core capital (leverage) ratio | 7.6602% | 6,985 |
| Tier 1 risk-based capital ratio | 9.7597% | 7,003 |
| Total risk-based capital ratio | 11.0195% | 6,885 |
| Memoranda: | ||
| Average total assets | $222,118,200 | 2,849 |
| Average earning assets | $205,269,400 | 2,833 |
| Average equity | $17,617,000 | 3,620 |
| Average total loans | $171,167,000 | 2,592 |