Home > The Bank of Advance > Performance and Condition Ratios
The Bank of Advance, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9168% | 706 |
| Cost of funding earning assets | 1.5912% | 1,713 |
| Net interest margin | 4.3255% | 779 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.4579% | 2,423 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 2.0846% | 408 |
| Return on assets (ROA) | 2.0113% | 439 |
| Pretax return on assets | 2.0113% | 658 |
| Return on Equity (ROE) | 18.3800% | 770 |
| Retained earnings to average equity (ytd only) | 5.5297% | 2,401 |
| Net charge-offs to loans | 0.0826% | 1,036 |
| Credit loss provision to net charge-offs | 280.1325% | 999 |
| Earnings coverage of net charge-offs (x) | 35.1623% | 1,521 |
| Efficiency ratio | 52.0695% | 3,826 |
| Assets per employee ($millions) | 5.6296% | 3,132 |
| Cash dividends to net income (ytd only)* | 69.9153% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,281 |
| Loan loss allowance to noncurrent loans | 254.3488% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 1,217 |
| Noncurrent loans to loans | 0.5615% | 1,396 |
| Net loans and leases to total assets | 76.2400% | 1,085 |
| Net loans and leases to deposits | 86.6005% | 1,571 |
| Net loans and leases to core deposits | 101.4191% | 1,361 |
| Total domestic deposits to total assets | 88.0400% | 1,341 |
| Equity capital to assets | 10.6091% | 1,671 |
| Core capital (leverage) ratio | 11.3427% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $469,345,200 | 1,799 |
| Average earning assets | $441,863,400 | 1,769 |
| Average equity | $51,359,400 | 1,574 |
| Average total loans | $365,609,400 | 1,559 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7,187.0000% | 32 |
| Cost of funding earning assets | 723.0000% | 12 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 2.2275% | 353 |
| Pretax return on assets | 2.2275% | 540 |
| Return on Equity (ROE) | 20.1900% | 706 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0256% | 1,563 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 2.1052% | 4,598 |
| Assets per employee ($millions) | 0.0916% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0047% | 3,780 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 419.0000% | 13 |
| Equity capital to assets | 7,144.0000% | 29 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $6,131,000 | 4,604 |
| Average earning assets | $10,634 | 4,585 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4397% | 676 |
| Cost of funding earning assets | 0.9203% | 2,311 |
| Net interest margin | 4.5194% | 573 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.2673% | 2,901 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.4248% | 267 |
| Return on assets (ROA) | 2.4248% | 265 |
| Pretax return on assets | 2.4248% | 396 |
| Return on Equity (ROE) | 22.5300% | 545 |
| Retained earnings to average equity (ytd only) | 22.5274% | 269 |
| Net charge-offs to loans | 0.0284% | 1,127 |
| Credit loss provision to net charge-offs | 680.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 119.6000% | 710 |
| Efficiency ratio | 46.2906% | 4,200 |
| Assets per employee ($millions) | 5.4757% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,537 |
| Loan loss allowance to noncurrent loans | 391.2568% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 1,615 |
| Noncurrent loans to loans | 0.3633% | 1,846 |
| Net loans and leases to total assets | 76.4800% | 928 |
| Net loans and leases to deposits | 88.2066% | 1,188 |
| Net loans and leases to core deposits | 96.6931% | 1,245 |
| Total domestic deposits to total assets | 86.7100% | 2,367 |
| Equity capital to assets | 11.2925% | 1,228 |
| Core capital (leverage) ratio | 12.1323% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $454,629,500 | 1,868 |
| Average earning assets | $429,437,500 | 1,836 |
| Average equity | $48,936,000 | 1,638 |
| Average total loans | $352,545,500 | 1,606 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 349 |
| Cost of funding earning assets | 0.4482% | 1,734 |
| Net interest margin | 4.4809% | 302 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.4209% | 2,359 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 2.2878% | 185 |
| Return on assets (ROA) | 2.2241% | 196 |
| Pretax return on assets | 2.2241% | 304 |
| Return on Equity (ROE) | 19.6700% | 510 |
| Retained earnings to average equity (ytd only) | 4.4245% | 3,259 |
| Net charge-offs to loans | 0.0863% | 804 |
| Credit loss provision to net charge-offs | 354.7703% | 831 |
| Earnings coverage of net charge-offs (x) | 38.7173% | 1,523 |
| Efficiency ratio | 48.8855% | 4,193 |
| Assets per employee ($millions) | 5.4140% | 3,300 |
| Cash dividends to net income (ytd only)* | 77.5114% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 670 |
| Loan loss allowance to noncurrent loans | 483.5501% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 1,643 |
| Noncurrent loans to loans | 0.3708% | 1,813 |
| Net loans and leases to total assets | 76.1200% | 996 |
| Net loans and leases to deposits | 87.7391% | 1,193 |
| Net loans and leases to core deposits | 91.5408% | 1,419 |
| Total domestic deposits to total assets | 86.7500% | 2,473 |
| Equity capital to assets | 10.2357% | 1,593 |
| Core capital (leverage) ratio | 11.4677% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $435,051,800 | 1,905 |
| Average earning assets | $411,165,200 | 1,875 |
| Average equity | $49,180,400 | 1,642 |
| Average total loans | $327,881,200 | 1,611 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 269 |
| Cost of funding earning assets | 0.3926% | 1,343 |
| Net interest margin | 4.4413% | 263 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.2886% | 2,660 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 2.3800% | 170 |
| Return on assets (ROA) | 2.3800% | 168 |
| Pretax return on assets | 2.3800% | 245 |
| Return on Equity (ROE) | 20.5400% | 393 |
| Retained earnings to average equity (ytd only) | 20.5406% | 93 |
| Net charge-offs to loans | 0.0941% | 655 |
| Credit loss provision to net charge-offs | 327.3128% | 777 |
| Earnings coverage of net charge-offs (x) | 37.0969% | 1,418 |
| Efficiency ratio | 46.5895% | 4,347 |
| Assets per employee ($millions) | 5.2674% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 699 |
| Loan loss allowance to noncurrent loans | 559.3779% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 1,889 |
| Noncurrent loans to loans | 0.3257% | 2,068 |
| Net loans and leases to total assets | 75.3500% | 980 |
| Net loans and leases to deposits | 86.0941% | 1,165 |
| Net loans and leases to core deposits | 89.1534% | 1,348 |
| Total domestic deposits to total assets | 87.5200% | 2,587 |
| Equity capital to assets | 11.6115% | 966 |
| Core capital (leverage) ratio | 12.8056% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $430,121,750 | 1,931 |
| Average earning assets | $406,838,000 | 1,903 |
| Average equity | $49,838,250 | 1,650 |
| Average total loans | $321,732,000 | 1,631 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 257 |
| Cost of funding earning assets | 0.4013% | 906 |
| Net interest margin | 4.2946% | 273 |
| Noninterest income to average assets | 0.6882% | 1,392 |
| Noninterest expense to average assets | 2.2793% | 2,609 |
| Loan and lease loss provision to assets | 0.2240% | 352 |
| Net operating income to assets | 2.2475% | 150 |
| Return on assets (ROA) | 2.2475% | 149 |
| Pretax return on assets | 2.2475% | 229 |
| Return on Equity (ROE) | 19.4107% | 351 |
| Retained earnings to average equity (ytd only) | 19.4107% | 85 |
| Net charge-offs to loans | 0.1097% | 551 |
| Credit loss provision to net charge-offs | 275.2874% | 829 |
| Earnings coverage of net charge-offs (x) | 30.3793% | 1,383 |
| Efficiency ratio | 47.8496% | 4,351 |
| Assets per employee ($millions) | 5.5294% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 758 |
| Loan loss allowance to noncurrent loans | 750.0635% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 2,338 |
| Noncurrent loans to loans | 0.2452% | 2,506 |
| Net loans and leases to total assets | 73.0610% | 998 |
| Net loans and leases to deposits | 83.5005% | 1,154 |
| Net loans and leases to core deposits | 86.8907% | 1,272 |
| Total domestic deposits to total assets | 87.4977% | 2,763 |
| Equity capital to assets | 11.6458% | 980 |
| Core capital (leverage) ratio | 12.3814% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,764,000 | 1,946 |
| Average earning assets | $404,646,333 | 1,925 |
| Average equity | $49,529,333 | 1,695 |
| Average total loans | $317,128,667 | 1,643 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 299 |
| Cost of funding earning assets | 0.4173% | 786 |
| Net interest margin | 4.1072% | 332 |
| Noninterest income to average assets | 0.6470% | 1,504 |
| Noninterest expense to average assets | 2.1775% | 2,902 |
| Loan and lease loss provision to assets | 0.2329% | 290 |
| Net operating income to assets | 2.1183% | 179 |
| Return on assets (ROA) | 2.1183% | 178 |
| Pretax return on assets | 2.1183% | 291 |
| Return on Equity (ROE) | 18.3489% | 309 |
| Retained earnings to average equity (ytd only) | 18.3489% | 130 |
| Net charge-offs to loans | 0.1155% | 471 |
| Credit loss provision to net charge-offs | 272.5275% | 699 |
| Earnings coverage of net charge-offs (x) | 27.5165% | 1,172 |
| Efficiency ratio | 47.9370% | 4,404 |
| Assets per employee ($millions) | 5.7330% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 872 |
| Loan loss allowance to noncurrent loans | 303.3193% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 1,314 |
| Noncurrent loans to loans | 0.5956% | 1,568 |
| Net loans and leases to total assets | 70.8808% | 936 |
| Net loans and leases to deposits | 80.5380% | 1,104 |
| Net loans and leases to core deposits | 83.7136% | 1,258 |
| Total domestic deposits to total assets | 88.0091% | 2,521 |
| Equity capital to assets | 11.1808% | 1,249 |
| Core capital (leverage) ratio | 12.2468% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,998,000 | 1,959 |
| Average earning assets | $402,606,500 | 1,944 |
| Average equity | $49,180,000 | 1,759 |
| Average total loans | $315,187,000 | 1,639 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 253 |
| Cost of funding earning assets | 0.5055% | 909 |
| Net interest margin | 4.5295% | 254 |
| Noninterest income to average assets | 0.6600% | 1,905 |
| Noninterest expense to average assets | 2.3061% | 2,776 |
| Loan and lease loss provision to assets | 0.2612% | 339 |
| Net operating income to assets | 2.3718% | 185 |
| Return on assets (ROA) | 2.3819% | 187 |
| Pretax return on assets | 2.3819% | 308 |
| Return on Equity (ROE) | 20.1988% | 302 |
| Retained earnings to average equity (ytd only) | 10.8050% | 739 |
| Net charge-offs to loans | 0.0174% | 1,934 |
| Credit loss provision to net charge-offs | 2,080.3922% | 304 |
| Earnings coverage of net charge-offs (x) | 209.7255% | 522 |
| Efficiency ratio | 46.5560% | 4,474 |
| Assets per employee ($millions) | 5.1969% | 3,556 |
| Cash dividends to net income (ytd only)* | 46.5068% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 871 |
| Loan loss allowance to noncurrent loans | 292.6817% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,322 |
| Noncurrent loans to loans | 0.6137% | 1,610 |
| Net loans and leases to total assets | 74.5628% | 619 |
| Net loans and leases to deposits | 85.5427% | 822 |
| Net loans and leases to core deposits | 89.0702% | 1,006 |
| Total domestic deposits to total assets | 87.1644% | 2,446 |
| Equity capital to assets | 11.9359% | 1,276 |
| Core capital (leverage) ratio | 11.7168% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,224,600 | 1,966 |
| Average earning assets | $383,773,000 | 1,956 |
| Average equity | $47,903,800 | 1,824 |
| Average total loans | $292,568,200 | 1,737 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 356 |
| Cost of funding earning assets | 0.5186% | 961 |
| Net interest margin | 4.3670% | 390 |
| Noninterest income to average assets | 0.6500% | 2,009 |
| Noninterest expense to average assets | 2.2266% | 2,985 |
| Loan and lease loss provision to assets | 0.2468% | 375 |
| Net operating income to assets | 2.3086% | 270 |
| Return on assets (ROA) | 2.3145% | 280 |
| Pretax return on assets | 2.3145% | 455 |
| Return on Equity (ROE) | 19.6878% | 450 |
| Retained earnings to average equity (ytd only) | 19.6878% | 142 |
| Net charge-offs to loans | 0.0120% | 1,886 |
| Credit loss provision to net charge-offs | 2,884.6154% | 246 |
| Earnings coverage of net charge-offs (x) | 298.6538% | 440 |
| Efficiency ratio | 46.4249% | 4,477 |
| Assets per employee ($millions) | 5.2581% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 972 |
| Loan loss allowance to noncurrent loans | 367.4965% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 1,970 |
| Noncurrent loans to loans | 0.4843% | 2,102 |
| Net loans and leases to total assets | 71.5114% | 919 |
| Net loans and leases to deposits | 82.8099% | 1,042 |
| Net loans and leases to core deposits | 86.1999% | 1,276 |
| Total domestic deposits to total assets | 86.3561% | 2,613 |
| Equity capital to assets | 12.4772% | 1,182 |
| Core capital (leverage) ratio | 12.1351% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,142,750 | 1,993 |
| Average earning assets | $383,352,000 | 1,974 |
| Average equity | $47,629,000 | 1,857 |
| Average total loans | $287,780,750 | 1,780 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 564 |
| Cost of funding earning assets | 0.5285% | 1,044 |
| Net interest margin | 4.1356% | 648 |
| Noninterest income to average assets | 0.6270% | 2,096 |
| Noninterest expense to average assets | 2.1909% | 3,122 |
| Loan and lease loss provision to assets | 0.2231% | 471 |
| Net operating income to assets | 2.1230% | 387 |
| Return on assets (ROA) | 2.1394% | 394 |
| Pretax return on assets | 2.1394% | 637 |
| Return on Equity (ROE) | 18.5844% | 586 |
| Retained earnings to average equity (ytd only) | 18.5844% | 201 |
| Net charge-offs to loans | 0.0084% | 1,824 |
| Credit loss provision to net charge-offs | 3,750.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 394.4167% | 312 |
| Efficiency ratio | 48.1481% | 4,376 |
| Assets per employee ($millions) | 5.1908% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 1,011 |
| Loan loss allowance to noncurrent loans | 373.7546% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 2,216 |
| Noncurrent loans to loans | 0.4615% | 2,295 |
| Net loans and leases to total assets | 69.8441% | 1,212 |
| Net loans and leases to deposits | 80.3675% | 1,396 |
| Net loans and leases to core deposits | 83.3749% | 1,613 |
| Total domestic deposits to total assets | 86.9060% | 2,378 |
| Equity capital to assets | 11.8416% | 1,441 |
| Core capital (leverage) ratio | 11.5554% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,479,667 | 1,989 |
| Average earning assets | $381,472,000 | 1,973 |
| Average equity | $46,447,667 | 1,881 |
| Average total loans | $284,172,667 | 1,809 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 682 |
| Cost of funding earning assets | 0.5516% | 1,092 |
| Net interest margin | 4.0388% | 795 |
| Noninterest income to average assets | 0.5298% | 2,482 |
| Noninterest expense to average assets | 2.2010% | 3,113 |
| Loan and lease loss provision to assets | 0.1499% | 869 |
| Net operating income to assets | 1.9921% | 574 |
| Return on assets (ROA) | 2.0211% | 600 |
| Pretax return on assets | 2.0211% | 914 |
| Return on Equity (ROE) | 17.8181% | 749 |
| Retained earnings to average equity (ytd only) | 17.8181% | 374 |
| Net charge-offs to loans | 0.0271% | 1,224 |
| Credit loss provision to net charge-offs | 789.4737% | 480 |
| Earnings coverage of net charge-offs (x) | 112.7895% | 568 |
| Efficiency ratio | 50.5178% | 4,145 |
| Assets per employee ($millions) | 5.2292% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 1,125 |
| Loan loss allowance to noncurrent loans | 212.9003% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 1,726 |
| Noncurrent loans to loans | 0.7829% | 1,683 |
| Net loans and leases to total assets | 66.5585% | 1,726 |
| Net loans and leases to deposits | 75.7435% | 1,938 |
| Net loans and leases to core deposits | 78.7045% | 2,122 |
| Total domestic deposits to total assets | 87.8735% | 1,905 |
| Equity capital to assets | 11.0606% | 1,815 |
| Core capital (leverage) ratio | 11.1675% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,183,000 | 1,991 |
| Average earning assets | $377,833,500 | 1,977 |
| Average equity | $45,392,000 | 1,905 |
| Average total loans | $280,539,500 | 1,832 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4050% | 218 |
| Cost of funding earning assets | 0.8150% | 1,148 |
| Net interest margin | 4.5900% | 267 |
| Noninterest income to average assets | 0.6966% | 1,873 |
| Noninterest expense to average assets | 2.6381% | 2,427 |
| Loan and lease loss provision to assets | 0.1434% | 2,564 |
| Net operating income to assets | 2.2190% | 182 |
| Return on assets (ROA) | 2.2241% | 191 |
| Pretax return on assets | 2.2241% | 288 |
| Return on Equity (ROE) | 17.4577% | 374 |
| Retained earnings to average equity (ytd only) | 4.0836% | 2,772 |
| Net charge-offs to loans | 0.1392% | 1,161 |
| Credit loss provision to net charge-offs | 134.3085% | 2,522 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,868 |
| Efficiency ratio | 52.6038% | 4,338 |
| Assets per employee ($millions) | 4.7753% | 3,632 |
| Cash dividends to net income (ytd only)* | 76.6088% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 1,161 |
| Loan loss allowance to noncurrent loans | 304.0424% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 2,284 |
| Noncurrent loans to loans | 0.5430% | 2,350 |
| Net loans and leases to total assets | 71.5476% | 1,354 |
| Net loans and leases to deposits | 81.9067% | 1,674 |
| Net loans and leases to core deposits | 86.1235% | 1,860 |
| Total domestic deposits to total assets | 87.3525% | 1,763 |
| Equity capital to assets | 11.6518% | 1,769 |
| Core capital (leverage) ratio | 11.8563% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,146,800 | 2,037 |
| Average earning assets | $330,197,200 | 2,020 |
| Average equity | $44,862,600 | 1,854 |
| Average total loans | $270,198,000 | 1,827 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4561% | 254 |
| Cost of funding earning assets | 0.8749% | 1,155 |
| Net interest margin | 4.5812% | 318 |
| Noninterest income to average assets | 0.6653% | 1,923 |
| Noninterest expense to average assets | 2.6354% | 2,431 |
| Loan and lease loss provision to assets | 0.1436% | 2,584 |
| Net operating income to assets | 2.1782% | 213 |
| Return on assets (ROA) | 2.2227% | 213 |
| Pretax return on assets | 2.2227% | 325 |
| Return on Equity (ROE) | 17.0437% | 447 |
| Retained earnings to average equity (ytd only) | 17.0437% | 123 |
| Net charge-offs to loans | 0.1208% | 1,159 |
| Credit loss provision to net charge-offs | 152.6749% | 2,309 |
| Earnings coverage of net charge-offs (x) | 24.6996% | 1,749 |
| Efficiency ratio | 53.0082% | 4,250 |
| Assets per employee ($millions) | 4.5086% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 940 |
| Loan loss allowance to noncurrent loans | 393.3962% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 2,584 |
| Noncurrent loans to loans | 0.4249% | 2,783 |
| Net loans and leases to total assets | 75.7634% | 1,128 |
| Net loans and leases to deposits | 88.9576% | 1,376 |
| Net loans and leases to core deposits | 95.0334% | 1,538 |
| Total domestic deposits to total assets | 85.1680% | 2,371 |
| Equity capital to assets | 13.5641% | 980 |
| Core capital (leverage) ratio | 13.4427% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,676,750 | 2,055 |
| Average earning assets | $322,908,000 | 2,041 |
| Average equity | $44,950,000 | 1,838 |
| Average total loans | $268,267,750 | 1,824 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 318 |
| Cost of funding earning assets | 0.9250% | 1,260 |
| Net interest margin | 4.6138% | 405 |
| Noninterest income to average assets | 0.6689% | 1,865 |
| Noninterest expense to average assets | 2.6616% | 2,487 |
| Loan and lease loss provision to assets | 0.1467% | 2,544 |
| Net operating income to assets | 2.1775% | 228 |
| Return on assets (ROA) | 2.2004% | 242 |
| Pretax return on assets | 2.2004% | 362 |
| Return on Equity (ROE) | 17.1118% | 441 |
| Retained earnings to average equity (ytd only) | 17.1118% | 138 |
| Net charge-offs to loans | 0.1766% | 847 |
| Credit loss provision to net charge-offs | 106.3830% | 2,359 |
| Earnings coverage of net charge-offs (x) | 16.8553% | 1,840 |
| Efficiency ratio | 53.2306% | 4,258 |
| Assets per employee ($millions) | 4.4407% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 917 |
| Loan loss allowance to noncurrent loans | 300.4701% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 2,227 |
| Noncurrent loans to loans | 0.5464% | 2,533 |
| Net loans and leases to total assets | 77.3785% | 940 |
| Net loans and leases to deposits | 90.4397% | 1,315 |
| Net loans and leases to core deposits | 96.6723% | 1,524 |
| Total domestic deposits to total assets | 85.5581% | 2,177 |
| Equity capital to assets | 13.3336% | 1,027 |
| Core capital (leverage) ratio | 12.8984% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,843,667 | 2,044 |
| Average earning assets | $318,910,667 | 2,035 |
| Average equity | $43,829,333 | 1,862 |
| Average total loans | $266,211,000 | 1,810 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 247 |
| Cost of funding earning assets | 0.9745% | 1,544 |
| Net interest margin | 4.7231% | 315 |
| Noninterest income to average assets | 0.7158% | 1,587 |
| Noninterest expense to average assets | 2.8550% | 2,256 |
| Loan and lease loss provision to assets | 0.1538% | 1,860 |
| Net operating income to assets | 2.1226% | 214 |
| Return on assets (ROA) | 2.1557% | 217 |
| Pretax return on assets | 2.1557% | 327 |
| Return on Equity (ROE) | 17.0871% | 330 |
| Retained earnings to average equity (ytd only) | 17.0871% | 108 |
| Net charge-offs to loans | 0.1536% | 842 |
| Credit loss provision to net charge-offs | 128.7129% | 1,675 |
| Earnings coverage of net charge-offs (x) | 19.0495% | 1,445 |
| Efficiency ratio | 55.4761% | 4,261 |
| Assets per employee ($millions) | 4.4324% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 882 |
| Loan loss allowance to noncurrent loans | 206.5347% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 1,926 |
| Noncurrent loans to loans | 0.8228% | 1,960 |
| Net loans and leases to total assets | 74.1449% | 1,579 |
| Net loans and leases to deposits | 85.6125% | 2,048 |
| Net loans and leases to core deposits | 91.7964% | 2,186 |
| Total domestic deposits to total assets | 86.6052% | 1,735 |
| Equity capital to assets | 12.3704% | 1,818 |
| Core capital (leverage) ratio | 12.5086% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8331% | 1,169 |
| Memoranda: | ||
| Average total assets | $338,078,500 | 2,005 |
| Average earning assets | $316,063,500 | 1,994 |
| Average equity | $42,652,000 | 1,890 |
| Average total loans | $263,070,000 | 1,795 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 370 |
| Cost of funding earning assets | 0.9447% | 1,984 |
| Net interest margin | 4.7937% | 400 |
| Noninterest income to average assets | 0.8409% | 1,329 |
| Noninterest expense to average assets | 2.8308% | 2,504 |
| Loan and lease loss provision to assets | 0.2173% | 904 |
| Net operating income to assets | 2.2800% | 190 |
| Return on assets (ROA) | 2.2843% | 202 |
| Pretax return on assets | 2.2843% | 319 |
| Return on Equity (ROE) | 17.1538% | 402 |
| Retained earnings to average equity (ytd only) | 0.0615% | 4,673 |
| Net charge-offs to loans | 0.0750% | 2,025 |
| Credit loss provision to net charge-offs | 369.0722% | 754 |
| Earnings coverage of net charge-offs (x) | 42.4175% | 1,259 |
| Efficiency ratio | 52.9760% | 4,528 |
| Assets per employee ($millions) | 4.0750% | 3,821 |
| Cash dividends to net income (ytd only)* | 99.6413% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 793 |
| Loan loss allowance to noncurrent loans | 259.5460% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,088 |
| Noncurrent loans to loans | 0.6557% | 2,249 |
| Net loans and leases to total assets | 79.0091% | 932 |
| Net loans and leases to deposits | 92.1706% | 1,347 |
| Net loans and leases to core deposits | 99.5393% | 1,601 |
| Total domestic deposits to total assets | 85.7205% | 2,182 |
| Equity capital to assets | 12.8798% | 1,596 |
| Core capital (leverage) ratio | 12.3291% | 1,578 |
| Tier 1 risk-based capital ratio | 16.8651% | 2,095 |
| Total risk-based capital ratio | 18.1223% | 2,039 |
| Memoranda: | ||
| Average total assets | $329,512,600 | 1,985 |
| Average earning assets | $308,444,600 | 1,974 |
| Average equity | $43,879,600 | 1,797 |
| Average total loans | $258,687,600 | 1,783 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6762% | 430 |
| Cost of funding earning assets | 0.9165% | 2,154 |
| Net interest margin | 4.7598% | 446 |
| Noninterest income to average assets | 0.8418% | 1,303 |
| Noninterest expense to average assets | 2.8180% | 2,520 |
| Loan and lease loss provision to assets | 0.1533% | 1,224 |
| Net operating income to assets | 2.3305% | 212 |
| Return on assets (ROA) | 2.3337% | 222 |
| Pretax return on assets | 2.3337% | 347 |
| Return on Equity (ROE) | 17.3845% | 443 |
| Retained earnings to average equity (ytd only) | 17.3845% | 76 |
| Net charge-offs to loans | 0.0719% | 1,803 |
| Credit loss provision to net charge-offs | 273.3813% | 1,018 |
| Earnings coverage of net charge-offs (x) | 44.2803% | 1,281 |
| Efficiency ratio | 52.9989% | 4,503 |
| Assets per employee ($millions) | 4.0596% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 978 |
| Loan loss allowance to noncurrent loans | 271.7165% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 2,474 |
| Noncurrent loans to loans | 0.5928% | 2,507 |
| Net loans and leases to total assets | 77.6312% | 1,200 |
| Net loans and leases to deposits | 92.1457% | 1,419 |
| Net loans and leases to core deposits | 99.0828% | 1,735 |
| Total domestic deposits to total assets | 84.2483% | 2,731 |
| Equity capital to assets | 14.5440% | 966 |
| Core capital (leverage) ratio | 14.2264% | 926 |
| Tier 1 risk-based capital ratio | 18.3098% | 1,731 |
| Total risk-based capital ratio | 19.5642% | 1,698 |
| Memoranda: | ||
| Average total assets | $330,391,250 | 1,989 |
| Average earning assets | $309,588,000 | 1,978 |
| Average equity | $44,352,500 | 1,787 |
| Average total loans | $257,852,750 | 1,798 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 448 |
| Cost of funding earning assets | 0.8707% | 2,296 |
| Net interest margin | 4.7608% | 441 |
| Noninterest income to average assets | 0.8341% | 1,234 |
| Noninterest expense to average assets | 2.7760% | 2,675 |
| Loan and lease loss provision to assets | 0.1843% | 963 |
| Net operating income to assets | 2.3317% | 200 |
| Return on assets (ROA) | 2.3317% | 208 |
| Pretax return on assets | 2.3317% | 333 |
| Return on Equity (ROE) | 17.8632% | 388 |
| Retained earnings to average equity (ytd only) | 17.8632% | 85 |
| Net charge-offs to loans | 0.1236% | 1,202 |
| Credit loss provision to net charge-offs | 191.8239% | 1,256 |
| Earnings coverage of net charge-offs (x) | 26.1824% | 1,576 |
| Efficiency ratio | 52.3070% | 4,630 |
| Assets per employee ($millions) | 4.1938% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,050 |
| Loan loss allowance to noncurrent loans | 334.3980% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 2,725 |
| Noncurrent loans to loans | 0.4752% | 2,852 |
| Net loans and leases to total assets | 77.2988% | 1,348 |
| Net loans and leases to deposits | 91.0656% | 1,614 |
| Net loans and leases to core deposits | 99.3135% | 1,786 |
| Total domestic deposits to total assets | 84.8826% | 2,530 |
| Equity capital to assets | 13.9714% | 1,130 |
| Core capital (leverage) ratio | 13.7985% | 1,025 |
| Tier 1 risk-based capital ratio | 18.5210% | 1,663 |
| Total risk-based capital ratio | 19.7764% | 1,625 |
| Memoranda: | ||
| Average total assets | $330,912,000 | 2,000 |
| Average earning assets | $309,866,670 | 1,982 |
| Average equity | $43,195,000 | 1,821 |
| Average total loans | $257,319,330 | 1,810 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 484 |
| Cost of funding earning assets | 0.8222% | 2,413 |
| Net interest margin | 4.7217% | 472 |
| Noninterest income to average assets | 0.7356% | 1,478 |
| Noninterest expense to average assets | 2.8401% | 2,442 |
| Loan and lease loss provision to assets | 0.1863% | 884 |
| Net operating income to assets | 2.1406% | 297 |
| Return on assets (ROA) | 2.1406% | 311 |
| Pretax return on assets | 2.1406% | 495 |
| Return on Equity (ROE) | 16.9858% | 481 |
| Retained earnings to average equity (ytd only) | 16.9858% | 183 |
| Net charge-offs to loans | 0.1289% | 970 |
| Credit loss provision to net charge-offs | 186.7470% | 1,095 |
| Earnings coverage of net charge-offs (x) | 23.3253% | 1,474 |
| Efficiency ratio | 54.8034% | 4,458 |
| Assets per employee ($millions) | 4.2286% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,115 |
| Loan loss allowance to noncurrent loans | 335.2843% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 2,701 |
| Noncurrent loans to loans | 0.4697% | 2,907 |
| Net loans and leases to total assets | 75.9769% | 1,481 |
| Net loans and leases to deposits | 87.5883% | 1,926 |
| Net loans and leases to core deposits | 94.6807% | 2,064 |
| Total domestic deposits to total assets | 86.7433% | 1,937 |
| Equity capital to assets | 13.1003% | 1,395 |
| Core capital (leverage) ratio | 12.9349% | 1,305 |
| Tier 1 risk-based capital ratio | 17.7709% | 1,864 |
| Total risk-based capital ratio | 19.0297% | 1,818 |
| Memoranda: | ||
| Average total assets | $332,808,500 | 2,006 |
| Average earning assets | $312,344,000 | 1,988 |
| Average equity | $41,941,000 | 1,858 |
| Average total loans | $257,508,000 | 1,820 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 445 |
| Cost of funding earning assets | 0.6100% | 2,646 |
| Net interest margin | 4.8342% | 367 |
| Noninterest income to average assets | 0.7817% | 1,516 |
| Noninterest expense to average assets | 2.6885% | 3,065 |
| Loan and lease loss provision to assets | 0.2590% | 657 |
| Net operating income to assets | 2.3606% | 190 |
| Return on assets (ROA) | 2.3606% | 186 |
| Pretax return on assets | 2.3606% | 267 |
| Return on Equity (ROE) | 17.9198% | 397 |
| Retained earnings to average equity (ytd only) | 1.6526% | 4,482 |
| Net charge-offs to loans | 0.1508% | 1,275 |
| Credit loss provision to net charge-offs | 227.8689% | 1,295 |
| Earnings coverage of net charge-offs (x) | 23.0464% | 1,870 |
| Efficiency ratio | 50.4915% | 4,908 |
| Assets per employee ($millions) | 4.4182% | 3,284 |
| Cash dividends to net income (ytd only)* | 90.7775% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,253 |
| Loan loss allowance to noncurrent loans | 257.0496% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 2,225 |
| Noncurrent loans to loans | 0.5883% | 2,527 |
| Net loans and leases to total assets | 76.3798% | 1,542 |
| Net loans and leases to deposits | 87.2926% | 2,135 |
| Net loans and leases to core deposits | 92.4683% | 2,369 |
| Total domestic deposits to total assets | 87.4985% | 1,538 |
| Equity capital to assets | 12.1128% | 1,814 |
| Core capital (leverage) ratio | 12.8638% | 1,303 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,207 |
| Total risk-based capital ratio | 17.8530% | 2,152 |
| Memoranda: | ||
| Average total assets | $321,998,800 | 2,034 |
| Average earning assets | $301,496,400 | 2,015 |
| Average equity | $42,416,800 | 1,765 |
| Average total loans | $242,774,400 | 1,866 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 458 |
| Cost of funding earning assets | 0.5373% | 2,949 |
| Net interest margin | 4.8330% | 356 |
| Noninterest income to average assets | 0.7856% | 1,521 |
| Noninterest expense to average assets | 2.7001% | 2,983 |
| Loan and lease loss provision to assets | 0.1645% | 1,155 |
| Net operating income to assets | 2.4498% | 174 |
| Return on assets (ROA) | 2.4498% | 174 |
| Pretax return on assets | 2.4498% | 255 |
| Return on Equity (ROE) | 18.2107% | 407 |
| Retained earnings to average equity (ytd only) | 18.2107% | 83 |
| Net charge-offs to loans | 0.1566% | 1,057 |
| Credit loss provision to net charge-offs | 140.3571% | 1,805 |
| Earnings coverage of net charge-offs (x) | 22.3074% | 1,883 |
| Efficiency ratio | 50.6498% | 4,909 |
| Assets per employee ($millions) | 4.2720% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,673 |
| Loan loss allowance to noncurrent loans | 273.0945% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,432 |
| Noncurrent loans to loans | 0.5146% | 2,838 |
| Net loans and leases to total assets | 76.4211% | 1,599 |
| Net loans and leases to deposits | 92.1584% | 1,600 |
| Net loans and leases to core deposits | 97.0029% | 2,026 |
| Total domestic deposits to total assets | 82.9237% | 3,332 |
| Equity capital to assets | 13.7904% | 1,026 |
| Core capital (leverage) ratio | 14.6828% | 781 |
| Tier 1 risk-based capital ratio | 18.9339% | 1,553 |
| Total risk-based capital ratio | 20.1914% | 1,521 |
| Memoranda: | ||
| Average total assets | $318,552,500 | 2,065 |
| Average earning assets | $298,498,750 | 2,038 |
| Average equity | $42,852,750 | 1,744 |
| Average total loans | $238,365,750 | 1,899 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 436 |
| Cost of funding earning assets | 0.5178% | 2,868 |
| Net interest margin | 4.8270% | 349 |
| Noninterest income to average assets | 0.7763% | 1,549 |
| Noninterest expense to average assets | 2.6932% | 3,038 |
| Loan and lease loss provision to assets | 0.1638% | 1,128 |
| Net operating income to assets | 2.4400% | 166 |
| Return on assets (ROA) | 2.4400% | 163 |
| Pretax return on assets | 2.4400% | 247 |
| Return on Equity (ROE) | 18.2978% | 393 |
| Retained earnings to average equity (ytd only) | 18.2978% | 92 |
| Net charge-offs to loans | 0.1340% | 1,119 |
| Credit loss provision to net charge-offs | 165.3846% | 1,481 |
| Earnings coverage of net charge-offs (x) | 26.2949% | 1,606 |
| Efficiency ratio | 50.6890% | 4,984 |
| Assets per employee ($millions) | 4.2285% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,342 |
| Loan loss allowance to noncurrent loans | 254.2349% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 2,475 |
| Noncurrent loans to loans | 0.5968% | 2,627 |
| Net loans and leases to total assets | 73.1073% | 2,100 |
| Net loans and leases to deposits | 84.9763% | 2,432 |
| Net loans and leases to core deposits | 89.1910% | 2,633 |
| Total domestic deposits to total assets | 86.0326% | 2,262 |
| Equity capital to assets | 13.7855% | 998 |
| Core capital (leverage) ratio | 14.1071% | 880 |
| Tier 1 risk-based capital ratio | 19.8016% | 1,362 |
| Total risk-based capital ratio | 21.0622% | 1,327 |
| Memoranda: | ||
| Average total assets | $315,087,670 | 2,095 |
| Average earning assets | $295,092,670 | 2,070 |
| Average equity | $42,016,000 | 1,790 |
| Average total loans | $232,831,670 | 1,933 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 350 |
| Cost of funding earning assets | 0.5057% | 2,752 |
| Net interest margin | 4.8702% | 295 |
| Noninterest income to average assets | 0.7502% | 1,621 |
| Noninterest expense to average assets | 2.7918% | 2,717 |
| Loan and lease loss provision to assets | 0.1579% | 1,143 |
| Net operating income to assets | 2.3511% | 187 |
| Return on assets (ROA) | 2.3511% | 190 |
| Pretax return on assets | 2.3511% | 292 |
| Return on Equity (ROE) | 17.9378% | 420 |
| Retained earnings to average equity (ytd only) | 17.9378% | 158 |
| Net charge-offs to loans | 0.1624% | 871 |
| Credit loss provision to net charge-offs | 131.9149% | 1,322 |
| Earnings coverage of net charge-offs (x) | 20.9574% | 1,449 |
| Efficiency ratio | 52.4988% | 4,928 |
| Assets per employee ($millions) | 4.2326% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,300 |
| Loan loss allowance to noncurrent loans | 217.1216% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 2,239 |
| Noncurrent loans to loans | 0.7118% | 2,432 |
| Net loans and leases to total assets | 70.2353% | 2,440 |
| Net loans and leases to deposits | 80.9878% | 2,700 |
| Net loans and leases to core deposits | 84.8174% | 2,909 |
| Total domestic deposits to total assets | 86.7233% | 2,231 |
| Equity capital to assets | 13.1476% | 1,172 |
| Core capital (leverage) ratio | 13.4176% | 1,032 |
| Tier 1 risk-based capital ratio | 19.7224% | 1,391 |
| Total risk-based capital ratio | 20.9828% | 1,362 |
| Memoranda: | ||
| Average total assets | $314,062,500 | 2,118 |
| Average earning assets | $293,459,500 | 2,105 |
| Average equity | $41,164,500 | 1,824 |
| Average total loans | $231,536,000 | 1,951 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 420 |
| Cost of funding earning assets | 0.4981% | 2,345 |
| Net interest margin | 4.7306% | 399 |
| Noninterest income to average assets | 0.7618% | 1,724 |
| Noninterest expense to average assets | 2.8008% | 2,778 |
| Loan and lease loss provision to assets | 0.1204% | 1,903 |
| Net operating income to assets | 2.2629% | 174 |
| Return on assets (ROA) | 2.2616% | 176 |
| Pretax return on assets | 2.2616% | 286 |
| Return on Equity (ROE) | 16.5356% | 430 |
| Retained earnings to average equity (ytd only) | 1.0379% | 4,616 |
| Net charge-offs to loans | 0.4287% | 570 |
| Credit loss provision to net charge-offs | 37.8788% | 3,462 |
| Earnings coverage of net charge-offs (x) | 7.4960% | 3,033 |
| Efficiency ratio | 53.8595% | 4,961 |
| Assets per employee ($millions) | 4.0348% | 3,909 |
| Cash dividends to net income (ytd only)* | 93.7234% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,523 |
| Loan loss allowance to noncurrent loans | 167.3095% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 1,932 |
| Noncurrent loans to loans | 0.8765% | 2,032 |
| Net loans and leases to total assets | 75.0430% | 1,745 |
| Net loans and leases to deposits | 86.3862% | 2,210 |
| Net loans and leases to core deposits | 90.3096% | 2,537 |
| Total domestic deposits to total assets | 86.8692% | 2,058 |
| Equity capital to assets | 13.0658% | 1,234 |
| Core capital (leverage) ratio | 12.8891% | 1,183 |
| Tier 1 risk-based capital ratio | 18.1928% | 1,744 |
| Total risk-based capital ratio | 19.4520% | 1,692 |
| Memoranda: | ||
| Average total assets | $311,373,800 | 2,108 |
| Average earning assets | $291,080,800 | 2,093 |
| Average equity | $42,587,000 | 1,750 |
| Average total loans | $230,912,200 | 1,935 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 448 |
| Cost of funding earning assets | 0.4935% | 2,322 |
| Net interest margin | 4.6666% | 432 |
| Noninterest income to average assets | 0.7271% | 1,878 |
| Noninterest expense to average assets | 2.7360% | 2,941 |
| Loan and lease loss provision to assets | 0.1070% | 1,984 |
| Net operating income to assets | 2.2511% | 193 |
| Return on assets (ROA) | 2.2511% | 192 |
| Pretax return on assets | 2.2511% | 320 |
| Return on Equity (ROE) | 16.2773% | 497 |
| Retained earnings to average equity (ytd only) | 16.2773% | 88 |
| Net charge-offs to loans | 0.4491% | 463 |
| Credit loss provision to net charge-offs | 32.3415% | 3,066 |
| Earnings coverage of net charge-offs (x) | 7.1281% | 2,911 |
| Efficiency ratio | 53.5411% | 4,964 |
| Assets per employee ($millions) | 4.0137% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,419 |
| Loan loss allowance to noncurrent loans | 134.1620% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 1,669 |
| Noncurrent loans to loans | 1.1426% | 1,683 |
| Net loans and leases to total assets | 73.0861% | 2,080 |
| Net loans and leases to deposits | 86.8120% | 2,207 |
| Net loans and leases to core deposits | 90.9872% | 2,528 |
| Total domestic deposits to total assets | 84.1889% | 3,047 |
| Equity capital to assets | 14.6663% | 815 |
| Core capital (leverage) ratio | 14.4990% | 766 |
| Tier 1 risk-based capital ratio | 20.6630% | 1,253 |
| Total risk-based capital ratio | 21.9184% | 1,220 |
| Memoranda: | ||
| Average total assets | $311,546,750 | 2,122 |
| Average earning assets | $291,537,750 | 2,102 |
| Average equity | $43,085,500 | 1,741 |
| Average total loans | $229,486,500 | 1,950 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 459 |
| Cost of funding earning assets | 0.4853% | 2,286 |
| Net interest margin | 4.6238% | 459 |
| Noninterest income to average assets | 0.6983% | 2,000 |
| Noninterest expense to average assets | 2.7148% | 3,041 |
| Loan and lease loss provision to assets | 0.0071% | 3,783 |
| Net operating income to assets | 2.3013% | 178 |
| Return on assets (ROA) | 2.3013% | 175 |
| Pretax return on assets | 2.3013% | 296 |
| Return on Equity (ROE) | 16.9854% | 412 |
| Retained earnings to average equity (ytd only) | 16.9854% | 88 |
| Net charge-offs to loans | 0.4884% | 402 |
| Credit loss provision to net charge-offs | 1.9713% | 2,895 |
| Earnings coverage of net charge-offs (x) | 6.4337% | 2,714 |
| Efficiency ratio | 53.8786% | 5,026 |
| Assets per employee ($millions) | 4.2183% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,417 |
| Loan loss allowance to noncurrent loans | 137.7190% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 1,894 |
| Noncurrent loans to loans | 1.1211% | 1,748 |
| Net loans and leases to total assets | 70.3706% | 2,470 |
| Net loans and leases to deposits | 82.6873% | 2,629 |
| Net loans and leases to core deposits | 86.9390% | 2,798 |
| Total domestic deposits to total assets | 85.1045% | 2,769 |
| Equity capital to assets | 13.8256% | 1,022 |
| Core capital (leverage) ratio | 14.0616% | 845 |
| Tier 1 risk-based capital ratio | 20.1656% | 1,335 |
| Total risk-based capital ratio | 21.4206% | 1,308 |
| Memoranda: | ||
| Average total assets | $311,038,330 | 2,126 |
| Average earning assets | $290,931,000 | 2,109 |
| Average equity | $42,142,000 | 1,772 |
| Average total loans | $228,524,000 | 1,954 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 412 |
| Cost of funding earning assets | 0.4874% | 2,186 |
| Net interest margin | 4.6629% | 397 |
| Noninterest income to average assets | 0.6948% | 1,995 |
| Noninterest expense to average assets | 2.9047% | 2,442 |
| Loan and lease loss provision to assets | 0.0052% | 3,491 |
| Net operating income to assets | 2.1459% | 245 |
| Return on assets (ROA) | 2.1459% | 253 |
| Pretax return on assets | 2.1459% | 388 |
| Return on Equity (ROE) | 16.0094% | 527 |
| Retained earnings to average equity (ytd only) | 16.0094% | 200 |
| Net charge-offs to loans | 0.0946% | 1,412 |
| Credit loss provision to net charge-offs | 7.4074% | 2,242 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,209 |
| Efficiency ratio | 57.2720% | 4,801 |
| Assets per employee ($millions) | 3.9248% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 1,020 |
| Loan loss allowance to noncurrent loans | 154.7756% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 2,010 |
| Noncurrent loans to loans | 1.1424% | 1,785 |
| Net loans and leases to total assets | 72.3021% | 2,034 |
| Net loans and leases to deposits | 84.6897% | 2,195 |
| Net loans and leases to core deposits | 88.4509% | 2,501 |
| Total domestic deposits to total assets | 85.3730% | 2,933 |
| Equity capital to assets | 13.5556% | 1,055 |
| Core capital (leverage) ratio | 13.3759% | 1,009 |
| Tier 1 risk-based capital ratio | 19.5552% | 1,486 |
| Total risk-based capital ratio | 20.8134% | 1,457 |
| Memoranda: | ||
| Average total assets | $306,260,500 | 2,165 |
| Average earning assets | $286,431,000 | 2,152 |
| Average equity | $41,051,000 | 1,822 |
| Average total loans | $228,215,000 | 1,966 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 417 |
| Cost of funding earning assets | 0.4901% | 2,162 |
| Net interest margin | 4.7118% | 417 |
| Noninterest income to average assets | 0.7723% | 1,869 |
| Noninterest expense to average assets | 2.7553% | 3,172 |
| Loan and lease loss provision to assets | 0.0319% | 3,715 |
| Net operating income to assets | 2.3955% | 167 |
| Return on assets (ROA) | 2.3815% | 176 |
| Pretax return on assets | 2.3815% | 239 |
| Return on Equity (ROE) | 16.8811% | 420 |
| Retained earnings to average equity (ytd only) | -0.4269% | 5,367 |
| Net charge-offs to loans | 0.1900% | 1,458 |
| Credit loss provision to net charge-offs | 22.5806% | 3,656 |
| Earnings coverage of net charge-offs (x) | 17.1797% | 2,065 |
| Efficiency ratio | 52.9933% | 5,314 |
| Assets per employee ($millions) | 3.9281% | 4,101 |
| Cash dividends to net income (ytd only)* | 102.5290% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 965 |
| Loan loss allowance to noncurrent loans | 174.9465% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 2,107 |
| Noncurrent loans to loans | 1.0231% | 2,038 |
| Net loans and leases to total assets | 74.1021% | 1,837 |
| Net loans and leases to deposits | 86.4697% | 2,106 |
| Net loans and leases to core deposits | 89.8177% | 2,519 |
| Total domestic deposits to total assets | 85.6972% | 2,730 |
| Equity capital to assets | 13.2485% | 1,155 |
| Core capital (leverage) ratio | 12.9938% | 1,134 |
| Tier 1 risk-based capital ratio | 19.0089% | 1,599 |
| Total risk-based capital ratio | 20.2681% | 1,558 |
| Memoranda: | ||
| Average total assets | $307,153,000 | 2,128 |
| Average earning assets | $287,511,600 | 2,115 |
| Average equity | $43,332,400 | 1,712 |
| Average total loans | $228,419,600 | 1,921 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 445 |
| Cost of funding earning assets | 0.4850% | 2,214 |
| Net interest margin | 4.6831% | 443 |
| Noninterest income to average assets | 0.7697% | 1,885 |
| Noninterest expense to average assets | 2.7287% | 3,262 |
| Loan and lease loss provision to assets | 0.0372% | 3,501 |
| Net operating income to assets | 2.3922% | 187 |
| Return on assets (ROA) | 2.3736% | 196 |
| Pretax return on assets | 2.3736% | 267 |
| Return on Equity (ROE) | 16.5773% | 483 |
| Retained earnings to average equity (ytd only) | 16.5773% | 97 |
| Net charge-offs to loans | 0.2124% | 1,096 |
| Credit loss provision to net charge-offs | 23.6264% | 3,269 |
| Earnings coverage of net charge-offs (x) | 15.4341% | 2,180 |
| Efficiency ratio | 52.7331% | 5,335 |
| Assets per employee ($millions) | 3.9617% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 1,004 |
| Loan loss allowance to noncurrent loans | 136.3726% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 1,724 |
| Noncurrent loans to loans | 1.3252% | 1,674 |
| Net loans and leases to total assets | 73.7926% | 1,905 |
| Net loans and leases to deposits | 89.4810% | 1,825 |
| Net loans and leases to core deposits | 92.9172% | 2,287 |
| Total domestic deposits to total assets | 82.4673% | 3,792 |
| Equity capital to assets | 15.3818% | 653 |
| Core capital (leverage) ratio | 14.9822% | 638 |
| Tier 1 risk-based capital ratio | 21.6308% | 1,176 |
| Total risk-based capital ratio | 22.8902% | 1,160 |
| Memoranda: | ||
| Average total assets | $308,325,000 | 2,124 |
| Average earning assets | $288,921,250 | 2,113 |
| Average equity | $44,147,500 | 1,694 |
| Average total loans | $228,470,000 | 1,918 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 461 |
| Cost of funding earning assets | 0.4881% | 2,207 |
| Net interest margin | 4.6581% | 451 |
| Noninterest income to average assets | 0.7543% | 1,913 |
| Noninterest expense to average assets | 2.6850% | 3,441 |
| Loan and lease loss provision to assets | 0.0123% | 3,856 |
| Net operating income to assets | 2.4239% | 167 |
| Return on assets (ROA) | 2.4239% | 171 |
| Pretax return on assets | 2.4239% | 245 |
| Return on Equity (ROE) | 17.3520% | 408 |
| Retained earnings to average equity (ytd only) | 17.3520% | 91 |
| Net charge-offs to loans | 0.2673% | 896 |
| Credit loss provision to net charge-offs | 6.2295% | 3,019 |
| Earnings coverage of net charge-offs (x) | 12.3574% | 2,190 |
| Efficiency ratio | 52.2656% | 5,430 |
| Assets per employee ($millions) | 4.1195% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,032 |
| Loan loss allowance to noncurrent loans | 200.7282% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9638% | 2,225 |
| Noncurrent loans to loans | 0.9112% | 2,460 |
| Net loans and leases to total assets | 72.8023% | 2,043 |
| Net loans and leases to deposits | 87.7213% | 2,031 |
| Net loans and leases to core deposits | 90.6334% | 2,474 |
| Total domestic deposits to total assets | 82.9927% | 3,658 |
| Equity capital to assets | 14.8921% | 756 |
| Core capital (leverage) ratio | 14.3536% | 735 |
| Tier 1 risk-based capital ratio | 21.1360% | 1,250 |
| Total risk-based capital ratio | 22.3946% | 1,231 |
| Memoranda: | ||
| Average total assets | $309,417,330 | 2,124 |
| Average earning assets | $290,076,330 | 2,114 |
| Average equity | $43,222,670 | 1,725 |
| Average total loans | $228,211,330 | 1,927 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 470 |
| Cost of funding earning assets | 0.4913% | 2,169 |
| Net interest margin | 4.6396% | 468 |
| Noninterest income to average assets | 0.7071% | 2,008 |
| Noninterest expense to average assets | 2.8027% | 3,056 |
| Loan and lease loss provision to assets | 0.0115% | 3,537 |
| Net operating income to assets | 2.2432% | 219 |
| Return on assets (ROA) | 2.2432% | 231 |
| Pretax return on assets | 2.2432% | 350 |
| Return on Equity (ROE) | 16.5943% | 477 |
| Retained earnings to average equity (ytd only) | 16.5943% | 171 |
| Net charge-offs to loans | 0.2756% | 769 |
| Credit loss provision to net charge-offs | 5.6962% | 2,390 |
| Earnings coverage of net charge-offs (x) | 11.1203% | 1,879 |
| Efficiency ratio | 55.2398% | 5,263 |
| Assets per employee ($millions) | 4.1226% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 987 |
| Loan loss allowance to noncurrent loans | 179.7223% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 2,156 |
| Noncurrent loans to loans | 1.0510% | 2,290 |
| Net loans and leases to total assets | 72.7368% | 1,913 |
| Net loans and leases to deposits | 86.7783% | 1,971 |
| Net loans and leases to core deposits | 89.4058% | 2,427 |
| Total domestic deposits to total assets | 83.8192% | 3,590 |
| Equity capital to assets | 14.1118% | 942 |
| Core capital (leverage) ratio | 13.3729% | 1,031 |
| Tier 1 risk-based capital ratio | 20.1910% | 1,462 |
| Total risk-based capital ratio | 21.4508% | 1,432 |
| Memoranda: | ||
| Average total assets | $311,703,000 | 2,122 |
| Average earning assets | $292,266,500 | 2,110 |
| Average equity | $42,135,000 | 1,755 |
| Average total loans | $229,282,000 | 1,922 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3463% | 344 |
| Cost of funding earning assets | 0.4847% | 2,312 |
| Net interest margin | 4.8616% | 319 |
| Noninterest income to average assets | 0.8889% | 1,471 |
| Noninterest expense to average assets | 2.7908% | 3,269 |
| Loan and lease loss provision to assets | 0.1299% | 1,842 |
| Net operating income to assets | 2.5264% | 146 |
| Return on assets (ROA) | 2.5264% | 149 |
| Pretax return on assets | 2.5280% | 192 |
| Return on Equity (ROE) | 16.5913% | 494 |
| Retained earnings to average equity (ytd only) | -8.9469% | 6,022 |
| Net charge-offs to loans | 0.3652% | 799 |
| Credit loss provision to net charge-offs | 47.1765% | 3,446 |
| Earnings coverage of net charge-offs (x) | 9.6494% | 2,796 |
| Efficiency ratio | 51.0586% | 5,702 |
| Assets per employee ($millions) | 4.0296% | 3,879 |
| Cash dividends to net income (ytd only)* | 153.9251% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 953 |
| Loan loss allowance to noncurrent loans | 171.6227% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 2,079 |
| Noncurrent loans to loans | 1.1085% | 2,122 |
| Net loans and leases to total assets | 71.6139% | 2,125 |
| Net loans and leases to deposits | 85.7315% | 2,164 |
| Net loans and leases to core deposits | 88.0099% | 2,603 |
| Total domestic deposits to total assets | 83.5328% | 3,653 |
| Equity capital to assets | 12.9483% | 1,378 |
| Core capital (leverage) ratio | 12.8005% | 1,226 |
| Tier 1 risk-based capital ratio | 18.8418% | 1,734 |
| Total risk-based capital ratio | 20.1017% | 1,700 |
| Memoranda: | ||
| Average total assets | $308,586,600 | 2,100 |
| Average earning assets | $289,432,200 | 2,075 |
| Average equity | $46,988,400 | 1,573 |
| Average total loans | $232,734,200 | 1,850 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 339 |
| Cost of funding earning assets | 0.4828% | 2,381 |
| Net interest margin | 4.8790% | 323 |
| Noninterest income to average assets | 0.8135% | 1,760 |
| Noninterest expense to average assets | 2.6788% | 3,635 |
| Loan and lease loss provision to assets | 0.1045% | 2,119 |
| Net operating income to assets | 2.6100% | 143 |
| Return on assets (ROA) | 2.6100% | 147 |
| Pretax return on assets | 2.6122% | 204 |
| Return on Equity (ROE) | 16.4988% | 531 |
| Retained earnings to average equity (ytd only) | 16.4988% | 120 |
| Net charge-offs to loans | 0.3860% | 668 |
| Credit loss provision to net charge-offs | 35.6083% | 3,213 |
| Earnings coverage of net charge-offs (x) | 9.2552% | 2,717 |
| Efficiency ratio | 49.4874% | 5,804 |
| Assets per employee ($millions) | 3.7874% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 1,055 |
| Loan loss allowance to noncurrent loans | 150.2857% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 2,067 |
| Noncurrent loans to loans | 1.2700% | 2,012 |
| Net loans and leases to total assets | 74.8982% | 1,566 |
| Net loans and leases to deposits | 94.2693% | 1,173 |
| Net loans and leases to core deposits | 96.8554% | 1,807 |
| Total domestic deposits to total assets | 79.4513% | 4,873 |
| Equity capital to assets | 16.7775% | 462 |
| Core capital (leverage) ratio | 16.4184% | 436 |
| Tier 1 risk-based capital ratio | 23.1544% | 1,035 |
| Total risk-based capital ratio | 24.4142% | 1,020 |
| Memoranda: | ||
| Average total assets | $306,149,500 | 2,125 |
| Average earning assets | $287,513,000 | 2,101 |
| Average equity | $48,430,750 | 1,548 |
| Average total loans | $232,819,500 | 1,860 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 334 |
| Cost of funding earning assets | 0.4799% | 2,433 |
| Net interest margin | 4.8674% | 318 |
| Noninterest income to average assets | 0.7805% | 1,866 |
| Noninterest expense to average assets | 2.6169% | 3,860 |
| Loan and lease loss provision to assets | 0.1471% | 1,460 |
| Net operating income to assets | 2.5822% | 152 |
| Return on assets (ROA) | 2.5822% | 157 |
| Pretax return on assets | 2.5855% | 222 |
| Return on Equity (ROE) | 16.6605% | 532 |
| Retained earnings to average equity (ytd only) | 16.6605% | 136 |
| Net charge-offs to loans | 0.1067% | 1,929 |
| Credit loss provision to net charge-offs | 181.4516% | 1,334 |
| Earnings coverage of net charge-offs (x) | 33.7097% | 1,262 |
| Efficiency ratio | 48.7596% | 5,917 |
| Assets per employee ($millions) | 3.7964% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 792 |
| Loan loss allowance to noncurrent loans | 180.3025% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 2,247 |
| Noncurrent loans to loans | 1.1921% | 2,272 |
| Net loans and leases to total assets | 75.0504% | 1,495 |
| Net loans and leases to deposits | 95.1156% | 1,039 |
| Net loans and leases to core deposits | 97.4115% | 1,696 |
| Total domestic deposits to total assets | 78.9044% | 5,116 |
| Equity capital to assets | 16.1946% | 502 |
| Core capital (leverage) ratio | 15.7778% | 498 |
| Tier 1 risk-based capital ratio | 22.3933% | 1,150 |
| Total risk-based capital ratio | 23.6562% | 1,131 |
| Memoranda: | ||
| Average total assets | $305,939,670 | 2,146 |
| Average earning assets | $287,173,000 | 2,118 |
| Average equity | $47,417,670 | 1,581 |
| Average total loans | $232,345,000 | 1,862 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 363 |
| Cost of funding earning assets | 0.4755% | 2,497 |
| Net interest margin | 4.8013% | 351 |
| Noninterest income to average assets | 0.7191% | 2,075 |
| Noninterest expense to average assets | 2.5077% | 4,239 |
| Loan and lease loss provision to assets | 0.2827% | 533 |
| Net operating income to assets | 2.4204% | 174 |
| Return on assets (ROA) | 2.4204% | 185 |
| Pretax return on assets | 2.4269% | 269 |
| Return on Equity (ROE) | 15.9711% | 572 |
| Retained earnings to average equity (ytd only) | 15.9711% | 222 |
| Net charge-offs to loans | 0.0948% | 1,779 |
| Credit loss provision to net charge-offs | 394.5455% | 672 |
| Earnings coverage of net charge-offs (x) | 37.8182% | 1,008 |
| Efficiency ratio | 47.8901% | 6,027 |
| Assets per employee ($millions) | 3.7987% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 805 |
| Loan loss allowance to noncurrent loans | 230.3636% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 2,817 |
| Noncurrent loans to loans | 0.9560% | 2,867 |
| Net loans and leases to total assets | 74.0561% | 1,490 |
| Net loans and leases to deposits | 90.7458% | 1,320 |
| Net loans and leases to core deposits | 93.0022% | 1,852 |
| Total domestic deposits to total assets | 81.6083% | 4,636 |
| Equity capital to assets | 15.6595% | 596 |
| Core capital (leverage) ratio | 14.9432% | 619 |
| Tier 1 risk-based capital ratio | 21.9548% | 1,254 |
| Total risk-based capital ratio | 23.2343% | 1,230 |
| Memoranda: | ||
| Average total assets | $307,053,500 | 2,149 |
| Average earning assets | $287,674,500 | 2,127 |
| Average equity | $46,534,000 | 1,613 |
| Average total loans | $232,045,500 | 1,862 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 381 |
| Cost of funding earning assets | 0.4990% | 2,690 |
| Net interest margin | 4.8994% | 355 |
| Noninterest income to average assets | 0.8463% | 1,693 |
| Noninterest expense to average assets | 2.6464% | 4,065 |
| Loan and lease loss provision to assets | 0.3544% | 533 |
| Net operating income to assets | 2.4264% | 164 |
| Return on assets (ROA) | 2.4376% | 167 |
| Pretax return on assets | 2.4376% | 214 |
| Return on Equity (ROE) | 16.3929% | 569 |
| Retained earnings to average equity (ytd only) | 6.4431% | 1,683 |
| Net charge-offs to loans | 0.1123% | 2,908 |
| Credit loss provision to net charge-offs | 427.7778% | 608 |
| Earnings coverage of net charge-offs (x) | 33.5635% | 1,233 |
| Efficiency ratio | 48.5976% | 6,163 |
| Assets per employee ($millions) | 3.8776% | 4,211 |
| Cash dividends to net income (ytd only)* | 60.6960% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 951 |
| Loan loss allowance to noncurrent loans | 206.2658% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 2,852 |
| Noncurrent loans to loans | 1.0164% | 2,791 |
| Net loans and leases to total assets | 73.8415% | 1,613 |
| Net loans and leases to deposits | 89.2925% | 1,582 |
| Net loans and leases to core deposits | 91.4321% | 2,150 |
| Total domestic deposits to total assets | 82.6962% | 4,184 |
| Equity capital to assets | 14.6608% | 770 |
| Core capital (leverage) ratio | 14.3815% | 732 |
| Tier 1 risk-based capital ratio | 20.2138% | 1,554 |
| Total risk-based capital ratio | 21.4757% | 1,524 |
| Memoranda: | ||
| Average total assets | $304,152,400 | 2,138 |
| Average earning assets | $284,381,800 | 2,094 |
| Average equity | $45,227,000 | 1,591 |
| Average total loans | $224,473,600 | 1,869 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 402 |
| Cost of funding earning assets | 0.4974% | 2,793 |
| Net interest margin | 4.8654% | 365 |
| Noninterest income to average assets | 0.8763% | 1,601 |
| Noninterest expense to average assets | 2.5843% | 4,247 |
| Loan and lease loss provision to assets | 0.2767% | 746 |
| Net operating income to assets | 2.5663% | 131 |
| Return on assets (ROA) | 2.5830% | 132 |
| Pretax return on assets | 2.5830% | 184 |
| Return on Equity (ROE) | 17.3083% | 519 |
| Retained earnings to average equity (ytd only) | 17.3083% | 132 |
| Net charge-offs to loans | 0.1039% | 2,757 |
| Credit loss provision to net charge-offs | 363.0058% | 778 |
| Earnings coverage of net charge-offs (x) | 37.3007% | 1,185 |
| Efficiency ratio | 47.4552% | 6,228 |
| Assets per employee ($millions) | 3.9248% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 1,367 |
| Loan loss allowance to noncurrent loans | 177.1786% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 2,768 |
| Noncurrent loans to loans | 1.0961% | 2,877 |
| Net loans and leases to total assets | 74.7821% | 1,399 |
| Net loans and leases to deposits | 94.6301% | 983 |
| Net loans and leases to core deposits | 96.6855% | 1,616 |
| Total domestic deposits to total assets | 79.0257% | 5,321 |
| Equity capital to assets | 15.8370% | 587 |
| Core capital (leverage) ratio | 15.5498% | 536 |
| Tier 1 risk-based capital ratio | 21.5627% | 1,331 |
| Total risk-based capital ratio | 22.8227% | 1,310 |
| Memoranda: | ||
| Average total assets | $302,638,250 | 2,157 |
| Average earning assets | $283,080,000 | 2,121 |
| Average equity | $45,164,000 | 1,594 |
| Average total loans | $222,100,000 | 1,897 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 445 |
| Cost of funding earning assets | 0.5054% | 2,780 |
| Net interest margin | 4.7749% | 430 |
| Noninterest income to average assets | 0.8558% | 1,635 |
| Noninterest expense to average assets | 2.6105% | 4,207 |
| Loan and lease loss provision to assets | 0.2614% | 809 |
| Net operating income to assets | 2.4400% | 153 |
| Return on assets (ROA) | 2.4652% | 153 |
| Pretax return on assets | 2.4652% | 220 |
| Return on Equity (ROE) | 16.8687% | 569 |
| Retained earnings to average equity (ytd only) | 16.8687% | 149 |
| Net charge-offs to loans | 0.0870% | 2,823 |
| Credit loss provision to net charge-offs | 414.7368% | 676 |
| Earnings coverage of net charge-offs (x) | 42.8632% | 1,008 |
| Efficiency ratio | 48.9821% | 6,226 |
| Assets per employee ($millions) | 3.8142% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 1,439 |
| Loan loss allowance to noncurrent loans | 170.6157% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 2,760 |
| Noncurrent loans to loans | 1.1469% | 2,933 |
| Net loans and leases to total assets | 72.7988% | 1,601 |
| Net loans and leases to deposits | 86.4859% | 1,775 |
| Net loans and leases to core deposits | 88.1854% | 2,295 |
| Total domestic deposits to total assets | 84.1742% | 3,864 |
| Equity capital to assets | 15.3589% | 632 |
| Core capital (leverage) ratio | 15.0138% | 608 |
| Tier 1 risk-based capital ratio | 21.3011% | 1,386 |
| Total risk-based capital ratio | 22.5609% | 1,357 |
| Memoranda: | ||
| Average total assets | $301,473,670 | 2,165 |
| Average earning assets | $281,344,000 | 2,131 |
| Average equity | $44,058,000 | 1,624 |
| Average total loans | $218,311,330 | 1,916 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 496 |
| Cost of funding earning assets | 0.5065% | 2,836 |
| Net interest margin | 4.6835% | 483 |
| Noninterest income to average assets | 0.8463% | 1,576 |
| Noninterest expense to average assets | 2.4792% | 4,686 |
| Loan and lease loss provision to assets | 0.2640% | 794 |
| Net operating income to assets | 2.4699% | 154 |
| Return on assets (ROA) | 2.4699% | 163 |
| Pretax return on assets | 2.4699% | 234 |
| Return on Equity (ROE) | 17.3421% | 499 |
| Retained earnings to average equity (ytd only) | 17.3421% | 204 |
| Net charge-offs to loans | 0.1781% | 1,652 |
| Credit loss provision to net charge-offs | 207.2917% | 1,009 |
| Earnings coverage of net charge-offs (x) | 21.4688% | 1,288 |
| Efficiency ratio | 47.3791% | 6,386 |
| Assets per employee ($millions) | 3.8733% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 1,620 |
| Loan loss allowance to noncurrent loans | 214.5716% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9404% | 3,373 |
| Noncurrent loans to loans | 0.9098% | 3,606 |
| Net loans and leases to total assets | 69.5261% | 1,981 |
| Net loans and leases to deposits | 82.6302% | 1,985 |
| Net loans and leases to core deposits | 84.3439% | 2,478 |
| Total domestic deposits to total assets | 84.1413% | 4,227 |
| Equity capital to assets | 14.5989% | 764 |
| Core capital (leverage) ratio | 14.2439% | 747 |
| Tier 1 risk-based capital ratio | 21.0372% | 1,467 |
| Total risk-based capital ratio | 22.2969% | 1,448 |
| Memoranda: | ||
| Average total assets | $301,551,500 | 2,170 |
| Average earning assets | $281,158,000 | 2,138 |
| Average equity | $42,947,500 | 1,653 |
| Average total loans | $215,600,000 | 1,926 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 490 |
| Cost of funding earning assets | 0.5722% | 2,905 |
| Net interest margin | 4.7663% | 460 |
| Noninterest income to average assets | 0.8432% | 1,893 |
| Noninterest expense to average assets | 2.6772% | 4,183 |
| Loan and lease loss provision to assets | 0.2932% | 1,156 |
| Net operating income to assets | 2.3152% | 209 |
| Return on assets (ROA) | 2.3152% | 212 |
| Pretax return on assets | 2.3230% | 256 |
| Return on Equity (ROE) | 15.8655% | 637 |
| Retained earnings to average equity (ytd only) | 5.9966% | 1,974 |
| Net charge-offs to loans | 0.4494% | 1,474 |
| Credit loss provision to net charge-offs | 92.5325% | 2,691 |
| Earnings coverage of net charge-offs (x) | 8.2576% | 2,698 |
| Efficiency ratio | 50.4016% | 6,384 |
| Assets per employee ($millions) | 3.8588% | 4,145 |
| Cash dividends to net income (ytd only)* | 62.2038% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 1,830 |
| Loan loss allowance to noncurrent loans | 243.8733% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 3,549 |
| Noncurrent loans to loans | 0.7711% | 4,038 |
| Net loans and leases to total assets | 70.7301% | 1,895 |
| Net loans and leases to deposits | 83.3273% | 2,020 |
| Net loans and leases to core deposits | 85.0708% | 2,556 |
| Total domestic deposits to total assets | 84.8823% | 3,806 |
| Equity capital to assets | 13.8841% | 938 |
| Core capital (leverage) ratio | 14.0177% | 820 |
| Tier 1 risk-based capital ratio | 19.7798% | 1,705 |
| Total risk-based capital ratio | 21.0383% | 1,673 |
| Memoranda: | ||
| Average total assets | $291,643,400 | 2,199 |
| Average earning assets | $272,306,000 | 2,162 |
| Average equity | $42,557,800 | 1,652 |
| Average total loans | $205,619,800 | 1,958 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 503 |
| Cost of funding earning assets | 0.5870% | 2,929 |
| Net interest margin | 4.7457% | 477 |
| Noninterest income to average assets | 0.8424% | 1,968 |
| Noninterest expense to average assets | 2.6260% | 4,296 |
| Loan and lease loss provision to assets | 0.1802% | 2,019 |
| Net operating income to assets | 2.4624% | 179 |
| Return on assets (ROA) | 2.4624% | 185 |
| Pretax return on assets | 2.4702% | 253 |
| Return on Equity (ROE) | 16.6639% | 572 |
| Retained earnings to average equity (ytd only) | 16.6639% | 140 |
| Net charge-offs to loans | 0.1414% | 3,127 |
| Credit loss provision to net charge-offs | 181.8605% | 1,332 |
| Earnings coverage of net charge-offs (x) | 26.7488% | 1,336 |
| Efficiency ratio | 49.5939% | 6,416 |
| Assets per employee ($millions) | 3.8937% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 1,645 |
| Loan loss allowance to noncurrent loans | 178.8668% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 3,701 |
| Noncurrent loans to loans | 1.1367% | 3,534 |
| Net loans and leases to total assets | 71.3619% | 1,715 |
| Net loans and leases to deposits | 85.6795% | 1,654 |
| Net loans and leases to core deposits | 87.5273% | 2,229 |
| Total domestic deposits to total assets | 83.2894% | 4,468 |
| Equity capital to assets | 15.3292% | 653 |
| Core capital (leverage) ratio | 15.1746% | 611 |
| Tier 1 risk-based capital ratio | 21.4955% | 1,400 |
| Total risk-based capital ratio | 22.7565% | 1,370 |
| Memoranda: | ||
| Average total assets | $289,308,000 | 2,224 |
| Average earning assets | $270,299,000 | 2,184 |
| Average equity | $42,750,000 | 1,650 |
| Average total loans | $202,783,000 | 1,987 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 562 |
| Cost of funding earning assets | 0.5983% | 2,961 |
| Net interest margin | 4.6666% | 538 |
| Noninterest income to average assets | 0.8280% | 2,074 |
| Noninterest expense to average assets | 2.6637% | 4,168 |
| Loan and lease loss provision to assets | 0.1491% | 2,468 |
| Net operating income to assets | 2.3724% | 195 |
| Return on assets (ROA) | 2.3724% | 208 |
| Pretax return on assets | 2.3800% | 316 |
| Return on Equity (ROE) | 16.2603% | 638 |
| Retained earnings to average equity (ytd only) | 16.2603% | 183 |
| Net charge-offs to loans | 0.1494% | 2,907 |
| Credit loss provision to net charge-offs | 144.2953% | 1,582 |
| Earnings coverage of net charge-offs (x) | 24.4765% | 1,297 |
| Efficiency ratio | 51.1218% | 6,348 |
| Assets per employee ($millions) | 3.8374% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 1,712 |
| Loan loss allowance to noncurrent loans | 153.0501% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 3,575 |
| Noncurrent loans to loans | 1.3481% | 3,301 |
| Net loans and leases to total assets | 68.5986% | 2,128 |
| Net loans and leases to deposits | 82.4242% | 2,006 |
| Net loans and leases to core deposits | 84.3085% | 2,512 |
| Total domestic deposits to total assets | 83.2262% | 4,618 |
| Equity capital to assets | 14.5704% | 805 |
| Core capital (leverage) ratio | 14.3163% | 747 |
| Tier 1 risk-based capital ratio | 21.1499% | 1,462 |
| Total risk-based capital ratio | 22.4102% | 1,429 |
| Memoranda: | ||
| Average total assets | $288,400,330 | 2,235 |
| Average earning assets | $269,746,000 | 2,195 |
| Average equity | $42,078,000 | 1,679 |
| Average total loans | $199,469,330 | 2,015 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 638 |
| Cost of funding earning assets | 0.6088% | 3,026 |
| Net interest margin | 4.5644% | 599 |
| Noninterest income to average assets | 0.7964% | 2,140 |
| Noninterest expense to average assets | 2.6599% | 4,212 |
| Loan and lease loss provision to assets | 0.0697% | 3,470 |
| Net operating income to assets | 2.3251% | 194 |
| Return on assets (ROA) | 2.3251% | 213 |
| Pretax return on assets | 2.3335% | 336 |
| Return on Equity (ROE) | 15.9255% | 618 |
| Retained earnings to average equity (ytd only) | 15.9255% | 283 |
| Net charge-offs to loans | 0.0386% | 3,487 |
| Credit loss provision to net charge-offs | 263.1579% | 885 |
| Earnings coverage of net charge-offs (x) | 90.6842% | 423 |
| Efficiency ratio | 52.3416% | 6,360 |
| Assets per employee ($millions) | 3.9961% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 1,729 |
| Loan loss allowance to noncurrent loans | 224.3693% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 4,412 |
| Noncurrent loans to loans | 0.9494% | 4,241 |
| Net loans and leases to total assets | 64.0820% | 2,690 |
| Net loans and leases to deposits | 76.5613% | 2,540 |
| Net loans and leases to core deposits | 78.4313% | 3,004 |
| Total domestic deposits to total assets | 83.7003% | 4,592 |
| Equity capital to assets | 14.1960% | 965 |
| Core capital (leverage) ratio | 13.9068% | 820 |
| Tier 1 risk-based capital ratio | 20.5637% | 1,640 |
| Total risk-based capital ratio | 21.8241% | 1,608 |
| Memoranda: | ||
| Average total assets | $286,777,500 | 2,270 |
| Average earning assets | $268,077,000 | 2,229 |
| Average equity | $41,870,000 | 1,712 |
| Average total loans | $197,064,000 | 2,050 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7112% | 426 |
| Cost of funding earning assets | 0.7439% | 3,127 |
| Net interest margin | 4.9673% | 406 |
| Noninterest income to average assets | 0.7637% | 2,426 |
| Noninterest expense to average assets | 2.5594% | 4,898 |
| Loan and lease loss provision to assets | 0.3610% | 1,839 |
| Net operating income to assets | 2.4512% | 166 |
| Return on assets (ROA) | 2.4512% | 181 |
| Pretax return on assets | 2.4599% | 269 |
| Return on Equity (ROE) | 15.6987% | 708 |
| Retained earnings to average equity (ytd only) | 5.5189% | 2,369 |
| Net charge-offs to loans | 0.1955% | 3,811 |
| Credit loss provision to net charge-offs | 259.9455% | 925 |
| Earnings coverage of net charge-offs (x) | 20.3106% | 1,359 |
| Efficiency ratio | 47.5698% | 6,729 |
| Assets per employee ($millions) | 3.9688% | 4,014 |
| Cash dividends to net income (ytd only)* | 64.8448% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 1,778 |
| Loan loss allowance to noncurrent loans | 190.6293% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 4,034 |
| Noncurrent loans to loans | 1.1001% | 4,005 |
| Net loans and leases to total assets | 70.7471% | 1,694 |
| Net loans and leases to deposits | 85.5524% | 1,569 |
| Net loans and leases to core deposits | 87.5654% | 2,138 |
| Total domestic deposits to total assets | 82.6945% | 4,849 |
| Equity capital to assets | 15.0425% | 723 |
| Core capital (leverage) ratio | 14.6687% | 636 |
| Tier 1 risk-based capital ratio | 20.3747% | 1,589 |
| Total risk-based capital ratio | 21.6356% | 1,559 |
| Memoranda: | ||
| Average total assets | $264,239,800 | 2,396 |
| Average earning assets | $245,587,000 | 2,360 |
| Average equity | $41,258,200 | 1,693 |
| Average total loans | $187,756,400 | 2,116 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7184% | 445 |
| Cost of funding earning assets | 0.7686% | 3,204 |
| Net interest margin | 4.9498% | 439 |
| Noninterest income to average assets | 0.7516% | 2,474 |
| Noninterest expense to average assets | 2.5741% | 4,829 |
| Loan and lease loss provision to assets | 0.2515% | 2,554 |
| Net operating income to assets | 2.5180% | 165 |
| Return on assets (ROA) | 2.5180% | 176 |
| Pretax return on assets | 2.5267% | 278 |
| Return on Equity (ROE) | 15.9741% | 744 |
| Retained earnings to average equity (ytd only) | 15.9741% | 193 |
| Net charge-offs to loans | 0.0806% | 4,592 |
| Credit loss provision to net charge-offs | 441.0714% | 607 |
| Earnings coverage of net charge-offs (x) | 48.7141% | 771 |
| Efficiency ratio | 48.0925% | 6,711 |
| Assets per employee ($millions) | 3.7688% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 2,045 |
| Loan loss allowance to noncurrent loans | 154.0414% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 4,043 |
| Noncurrent loans to loans | 1.3279% | 3,814 |
| Net loans and leases to total assets | 71.6077% | 1,625 |
| Net loans and leases to deposits | 88.5843% | 1,288 |
| Net loans and leases to core deposits | 90.9438% | 1,878 |
| Total domestic deposits to total assets | 80.8357% | 5,411 |
| Equity capital to assets | 16.6876% | 503 |
| Core capital (leverage) ratio | 15.9762% | 477 |
| Tier 1 risk-based capital ratio | 22.1313% | 1,307 |
| Total risk-based capital ratio | 23.3916% | 1,284 |
| Memoranda: | ||
| Average total assets | $261,837,250 | 2,441 |
| Average earning assets | $243,370,500 | 2,416 |
| Average equity | $41,274,250 | 1,704 |
| Average total loans | $185,222,750 | 2,164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 536 |
| Cost of funding earning assets | 0.7851% | 3,319 |
| Net interest margin | 4.8658% | 501 |
| Noninterest income to average assets | 0.7191% | 2,556 |
| Noninterest expense to average assets | 2.6021% | 4,772 |
| Loan and lease loss provision to assets | 0.2588% | 2,506 |
| Net operating income to assets | 2.3723% | 210 |
| Return on assets (ROA) | 2.3723% | 244 |
| Pretax return on assets | 2.3808% | 360 |
| Return on Equity (ROE) | 15.3528% | 876 |
| Retained earnings to average equity (ytd only) | 15.3528% | 264 |
| Net charge-offs to loans | 0.1095% | 4,091 |
| Credit loss provision to net charge-offs | 338.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 34.4700% | 978 |
| Efficiency ratio | 49.6421% | 6,666 |
| Assets per employee ($millions) | 3.8335% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 2,116 |
| Loan loss allowance to noncurrent loans | 239.3577% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 4,905 |
| Noncurrent loans to loans | 0.8548% | 4,807 |
| Net loans and leases to total assets | 69.8056% | 1,950 |
| Net loans and leases to deposits | 85.7346% | 1,636 |
| Net loans and leases to core deposits | 88.0921% | 2,198 |
| Total domestic deposits to total assets | 81.4206% | 5,325 |
| Equity capital to assets | 16.1116% | 557 |
| Core capital (leverage) ratio | 15.2708% | 549 |
| Tier 1 risk-based capital ratio | 21.8455% | 1,326 |
| Total risk-based capital ratio | 23.0705% | 1,305 |
| Memoranda: | ||
| Average total assets | $261,177,000 | 2,446 |
| Average earning assets | $242,756,330 | 2,415 |
| Average equity | $40,357,330 | 1,730 |
| Average total loans | $182,677,330 | 2,188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 576 |
| Cost of funding earning assets | 0.8088% | 3,402 |
| Net interest margin | 4.8382% | 521 |
| Noninterest income to average assets | 0.6732% | 2,796 |
| Noninterest expense to average assets | 2.5231% | 5,079 |
| Loan and lease loss provision to assets | 0.2433% | 2,522 |
| Net operating income to assets | 2.4022% | 205 |
| Return on assets (ROA) | 2.4022% | 250 |
| Pretax return on assets | 2.4099% | 380 |
| Return on Equity (ROE) | 15.8843% | 821 |
| Retained earnings to average equity (ytd only) | 15.8843% | 375 |
| Net charge-offs to loans | 0.0508% | 3,993 |
| Credit loss provision to net charge-offs | 691.3043% | 510 |
| Earnings coverage of net charge-offs (x) | 75.3913% | 444 |
| Efficiency ratio | 48.7437% | 6,752 |
| Assets per employee ($millions) | 4.0074% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 2,132 |
| Loan loss allowance to noncurrent loans | 371.0130% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 5,497 |
| Noncurrent loans to loans | 0.5628% | 5,536 |
| Net loans and leases to total assets | 66.5909% | 2,366 |
| Net loans and leases to deposits | 81.1200% | 2,043 |
| Net loans and leases to core deposits | 83.2236% | 2,651 |
| Total domestic deposits to total assets | 82.0894% | 5,266 |
| Equity capital to assets | 15.4809% | 666 |
| Core capital (leverage) ratio | 14.7388% | 646 |
| Tier 1 risk-based capital ratio | 21.5152% | 1,379 |
| Total risk-based capital ratio | 22.7327% | 1,356 |
| Memoranda: | ||
| Average total assets | $261,425,000 | 2,466 |
| Average earning assets | $243,313,500 | 2,424 |
| Average equity | $39,536,000 | 1,756 |
| Average total loans | $181,130,500 | 2,222 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 445 |
| Cost of funding earning assets | 0.9949% | 3,417 |
| Net interest margin | 4.9824% | 423 |
| Noninterest income to average assets | 0.7652% | 2,262 |
| Noninterest expense to average assets | 2.6157% | 5,034 |
| Loan and lease loss provision to assets | 0.2804% | 3,424 |
| Net operating income to assets | 2.4986% | 131 |
| Return on assets (ROA) | 2.4986% | 138 |
| Pretax return on assets | 2.5066% | 204 |
| Return on Equity (ROE) | 16.1798% | 574 |
| Retained earnings to average equity (ytd only) | 5.9759% | 2,030 |
| Net charge-offs to loans | 0.1078% | 5,282 |
| Credit loss provision to net charge-offs | 365.2632% | 635 |
| Earnings coverage of net charge-offs (x) | 36.3053% | 724 |
| Efficiency ratio | 48.4146% | 6,925 |
| Assets per employee ($millions) | 4.0995% | 3,646 |
| Cash dividends to net income (ytd only)* | 63.0660% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,490 |
| Loan loss allowance to noncurrent loans | 240.7432% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,145 |
| Noncurrent loans to loans | 0.7996% | 5,091 |
| Net loans and leases to total assets | 69.1935% | 2,180 |
| Net loans and leases to deposits | 83.5866% | 1,973 |
| Net loans and leases to core deposits | 86.0800% | 2,623 |
| Total domestic deposits to total assets | 82.7806% | 4,845 |
| Equity capital to assets | 14.7682% | 832 |
| Core capital (leverage) ratio | 14.5464% | 704 |
| Tier 1 risk-based capital ratio | 19.5245% | 1,753 |
| Total risk-based capital ratio | 20.7822% | 1,717 |
| Memoranda: | ||
| Average total assets | $247,503,000 | 2,547 |
| Average earning assets | $230,371,200 | 2,504 |
| Average equity | $38,220,400 | 1,764 |
| Average total loans | $176,252,800 | 2,303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9890% | 475 |
| Cost of funding earning assets | 1.0241% | 3,514 |
| Net interest margin | 4.9649% | 445 |
| Noninterest income to average assets | 0.7684% | 2,205 |
| Noninterest expense to average assets | 2.6175% | 5,011 |
| Loan and lease loss provision to assets | 0.2341% | 3,674 |
| Net operating income to assets | 2.5382% | 149 |
| Return on assets (ROA) | 2.5382% | 153 |
| Pretax return on assets | 2.5464% | 225 |
| Return on Equity (ROE) | 16.2459% | 646 |
| Retained earnings to average equity (ytd only) | 16.2459% | 169 |
| Net charge-offs to loans | 0.1141% | 4,877 |
| Credit loss provision to net charge-offs | 287.2483% | 996 |
| Earnings coverage of net charge-offs (x) | 34.1211% | 855 |
| Efficiency ratio | 48.4904% | 6,927 |
| Assets per employee ($millions) | 3.8590% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,806 |
| Loan loss allowance to noncurrent loans | 265.3418% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 5,391 |
| Noncurrent loans to loans | 0.6927% | 5,501 |
| Net loans and leases to total assets | 72.1784% | 1,673 |
| Net loans and leases to deposits | 89.8553% | 1,231 |
| Net loans and leases to core deposits | 92.7965% | 1,907 |
| Total domestic deposits to total assets | 80.3273% | 5,643 |
| Equity capital to assets | 16.7121% | 514 |
| Core capital (leverage) ratio | 15.8747% | 521 |
| Tier 1 risk-based capital ratio | 21.5683% | 1,359 |
| Total risk-based capital ratio | 22.8255% | 1,328 |
| Memoranda: | ||
| Average total assets | $243,787,000 | 2,598 |
| Average earning assets | $227,323,750 | 2,542 |
| Average equity | $38,088,750 | 1,773 |
| Average total loans | $174,040,000 | 2,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 561 |
| Cost of funding earning assets | 1.0585% | 3,549 |
| Net interest margin | 4.8551% | 547 |
| Noninterest income to average assets | 0.7704% | 2,158 |
| Noninterest expense to average assets | 2.6054% | 5,157 |
| Loan and lease loss provision to assets | 0.2126% | 3,789 |
| Net operating income to assets | 2.4719% | 173 |
| Return on assets (ROA) | 2.4719% | 178 |
| Pretax return on assets | 2.4802% | 254 |
| Return on Equity (ROE) | 16.2045% | 647 |
| Retained earnings to average equity (ytd only) | 16.2045% | 194 |
| Net charge-offs to loans | 0.1329% | 4,411 |
| Credit loss provision to net charge-offs | 226.3158% | 1,325 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 958 |
| Efficiency ratio | 49.1757% | 6,994 |
| Assets per employee ($millions) | 3.7865% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,897 |
| Loan loss allowance to noncurrent loans | 331.2306% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 5,768 |
| Noncurrent loans to loans | 0.5516% | 5,813 |
| Net loans and leases to total assets | 69.9237% | 2,234 |
| Net loans and leases to deposits | 86.0059% | 1,795 |
| Net loans and leases to core deposits | 88.8165% | 2,523 |
| Total domestic deposits to total assets | 81.3011% | 5,424 |
| Equity capital to assets | 15.8593% | 631 |
| Core capital (leverage) ratio | 15.3322% | 612 |
| Tier 1 risk-based capital ratio | 21.3583% | 1,353 |
| Total risk-based capital ratio | 22.6150% | 1,334 |
| Memoranda: | ||
| Average total assets | $242,723,670 | 2,625 |
| Average earning assets | $226,358,670 | 2,565 |
| Average equity | $37,026,670 | 1,808 |
| Average total loans | $171,519,330 | 2,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 634 |
| Cost of funding earning assets | 1.1090% | 3,469 |
| Net interest margin | 4.7651% | 614 |
| Noninterest income to average assets | 0.7169% | 2,471 |
| Noninterest expense to average assets | 2.5989% | 5,225 |
| Loan and lease loss provision to assets | 0.2556% | 3,099 |
| Net operating income to assets | 2.2969% | 231 |
| Return on assets (ROA) | 2.2969% | 243 |
| Pretax return on assets | 2.3052% | 343 |
| Return on Equity (ROE) | 15.3677% | 765 |
| Retained earnings to average equity (ytd only) | 15.3677% | 362 |
| Net charge-offs to loans | 0.0613% | 4,312 |
| Credit loss provision to net charge-offs | 592.3077% | 636 |
| Earnings coverage of net charge-offs (x) | 59.3462% | 501 |
| Efficiency ratio | 50.3699% | 6,960 |
| Assets per employee ($millions) | 3.8479% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 2,755 |
| Loan loss allowance to noncurrent loans | 262.5206% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 5,522 |
| Noncurrent loans to loans | 0.7166% | 5,578 |
| Net loans and leases to total assets | 68.5681% | 2,436 |
| Net loans and leases to deposits | 83.6390% | 2,088 |
| Net loans and leases to core deposits | 86.1690% | 2,844 |
| Total domestic deposits to total assets | 81.9810% | 5,325 |
| Equity capital to assets | 15.1686% | 726 |
| Core capital (leverage) ratio | 14.8108% | 690 |
| Tier 1 risk-based capital ratio | 20.9381% | 1,409 |
| Total risk-based capital ratio | 22.1952% | 1,385 |
| Memoranda: | ||
| Average total assets | $241,025,000 | 2,656 |
| Average earning assets | $224,716,500 | 2,605 |
| Average equity | $36,023,500 | 1,835 |
| Average total loans | $169,629,000 | 2,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2280% | 534 |
| Cost of funding earning assets | 1.2714% | 4,075 |
| Net interest margin | 4.9566% | 479 |
| Noninterest income to average assets | 0.8109% | 2,225 |
| Noninterest expense to average assets | 2.6332% | 5,281 |
| Loan and lease loss provision to assets | 0.3714% | 3,896 |
| Net operating income to assets | 2.3970% | 131 |
| Return on assets (ROA) | 2.3970% | 138 |
| Pretax return on assets | 2.4052% | 215 |
| Return on Equity (ROE) | 15.3452% | 669 |
| Retained earnings to average equity (ytd only) | 5.2974% | 2,248 |
| Net charge-offs to loans | 0.2710% | 4,670 |
| Credit loss provision to net charge-offs | 192.7602% | 1,658 |
| Earnings coverage of net charge-offs (x) | 14.4095% | 1,343 |
| Efficiency ratio | 48.6743% | 7,221 |
| Assets per employee ($millions) | 3.7443% | 4,376 |
| Cash dividends to net income (ytd only)* | 65.4784% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 2,859 |
| Loan loss allowance to noncurrent loans | 352.4194% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 5,909 |
| Noncurrent loans to loans | 0.5110% | 6,014 |
| Net loans and leases to total assets | 69.6028% | 2,633 |
| Net loans and leases to deposits | 86.0937% | 2,079 |
| Net loans and leases to core deposits | 88.9230% | 2,915 |
| Total domestic deposits to total assets | 80.8454% | 5,575 |
| Equity capital to assets | 14.7208% | 858 |
| Core capital (leverage) ratio | 14.7379% | 706 |
| Tier 1 risk-based capital ratio | 20.3724% | 1,422 |
| Total risk-based capital ratio | 21.6292% | 1,397 |
| Memoranda: | ||
| Average total assets | $229,374,400 | 2,764 |
| Average earning assets | $212,828,000 | 2,718 |
| Average equity | $35,828,800 | 1,845 |
| Average total loans | $163,094,600 | 2,573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2625% | 543 |
| Cost of funding earning assets | 1.3150% | 4,132 |
| Net interest margin | 4.9475% | 492 |
| Noninterest income to average assets | 0.8530% | 1,985 |
| Noninterest expense to average assets | 2.6782% | 4,969 |
| Loan and lease loss provision to assets | 0.2851% | 4,292 |
| Net operating income to assets | 2.4684% | 140 |
| Return on assets (ROA) | 2.4684% | 147 |
| Pretax return on assets | 2.4766% | 235 |
| Return on Equity (ROE) | 15.5657% | 769 |
| Retained earnings to average equity (ytd only) | 15.5657% | 187 |
| Net charge-offs to loans | 0.2974% | 4,175 |
| Credit loss provision to net charge-offs | 134.7222% | 2,992 |
| Earnings coverage of net charge-offs (x) | 13.0499% | 1,627 |
| Efficiency ratio | 49.2328% | 7,198 |
| Assets per employee ($millions) | 3.5439% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 3,218 |
| Loan loss allowance to noncurrent loans | 242.6947% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 5,706 |
| Noncurrent loans to loans | 0.6922% | 5,822 |
| Net loans and leases to total assets | 71.5822% | 2,340 |
| Net loans and leases to deposits | 89.7292% | 1,759 |
| Net loans and leases to core deposits | 93.2491% | 2,628 |
| Total domestic deposits to total assets | 79.7758% | 5,783 |
| Equity capital to assets | 17.0529% | 513 |
| Core capital (leverage) ratio | 16.2333% | 524 |
| Tier 1 risk-based capital ratio | 22.4622% | 1,136 |
| Total risk-based capital ratio | 23.7175% | 1,107 |
| Memoranda: | ||
| Average total assets | $226,809,500 | 2,829 |
| Average earning assets | $210,282,250 | 2,789 |
| Average equity | $35,967,000 | 1,855 |
| Average total loans | $161,405,500 | 2,639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2150% | 604 |
| Cost of funding earning assets | 1.3406% | 4,248 |
| Net interest margin | 4.8744% | 568 |
| Noninterest income to average assets | 0.8245% | 2,000 |
| Noninterest expense to average assets | 2.6771% | 5,003 |
| Loan and lease loss provision to assets | 0.2822% | 4,147 |
| Net operating income to assets | 2.3747% | 169 |
| Return on assets (ROA) | 2.3747% | 182 |
| Pretax return on assets | 2.3826% | 288 |
| Return on Equity (ROE) | 15.3608% | 794 |
| Retained earnings to average equity (ytd only) | 15.3608% | 225 |
| Net charge-offs to loans | 0.3821% | 3,449 |
| Credit loss provision to net charge-offs | 104.5752% | 3,902 |
| Earnings coverage of net charge-offs (x) | 9.8758% | 1,963 |
| Efficiency ratio | 50.1155% | 7,215 |
| Assets per employee ($millions) | 3.5618% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 3,277 |
| Loan loss allowance to noncurrent loans | 481.5552% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 6,213 |
| Noncurrent loans to loans | 0.3414% | 6,549 |
| Net loans and leases to total assets | 70.9953% | 2,660 |
| Net loans and leases to deposits | 89.0177% | 2,001 |
| Net loans and leases to core deposits | 92.6333% | 2,895 |
| Total domestic deposits to total assets | 79.7541% | 5,804 |
| Equity capital to assets | 16.3367% | 623 |
| Core capital (leverage) ratio | 15.5862% | 626 |
| Tier 1 risk-based capital ratio | 21.8465% | 1,231 |
| Total risk-based capital ratio | 23.1014% | 1,201 |
| Memoranda: | ||
| Average total assets | $226,808,670 | 2,847 |
| Average earning assets | $210,202,000 | 2,813 |
| Average equity | $35,063,330 | 1,905 |
| Average total loans | $160,163,670 | 2,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 674 |
| Cost of funding earning assets | 1.3885% | 4,254 |
| Net interest margin | 4.7878% | 660 |
| Noninterest income to average assets | 0.6789% | 2,744 |
| Noninterest expense to average assets | 2.6612% | 5,099 |
| Loan and lease loss provision to assets | 0.2789% | 3,798 |
| Net operating income to assets | 2.1665% | 263 |
| Return on assets (ROA) | 2.1665% | 289 |
| Pretax return on assets | 2.1665% | 448 |
| Return on Equity (ROE) | 14.4166% | 971 |
| Retained earnings to average equity (ytd only) | 14.4166% | 461 |
| Net charge-offs to loans | 0.3391% | 3,052 |
| Credit loss provision to net charge-offs | 117.7778% | 2,963 |
| Earnings coverage of net charge-offs (x) | 10.3259% | 1,754 |
| Efficiency ratio | 52.1127% | 7,140 |
| Assets per employee ($millions) | 3.5371% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,091 |
| Loan loss allowance to noncurrent loans | 339.2132% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 5,437 |
| Noncurrent loans to loans | 0.4990% | 6,300 |
| Net loans and leases to total assets | 68.5765% | 3,263 |
| Net loans and leases to deposits | 84.8504% | 2,792 |
| Net loans and leases to core deposits | 88.5087% | 3,568 |
| Total domestic deposits to total assets | 80.8205% | 5,515 |
| Equity capital to assets | 15.4264% | 779 |
| Core capital (leverage) ratio | 14.7776% | 794 |
| Tier 1 risk-based capital ratio | 21.4196% | 1,283 |
| Total risk-based capital ratio | 22.6751% | 1,256 |
| Memoranda: | ||
| Average total assets | $228,017,500 | 2,895 |
| Average earning assets | $210,870,500 | 2,867 |
| Average equity | $34,266,000 | 1,974 |
| Average total loans | $159,260,500 | 2,766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3957% | 837 |
| Cost of funding earning assets | 1.7760% | 4,124 |
| Net interest margin | 4.6196% | 945 |
| Noninterest income to average assets | 0.8458% | 2,200 |
| Noninterest expense to average assets | 2.6843% | 5,461 |
| Loan and lease loss provision to assets | 0.2910% | 5,098 |
| Net operating income to assets | 2.1486% | 166 |
| Return on assets (ROA) | 2.1486% | 181 |
| Pretax return on assets | 2.1570% | 305 |
| Return on Equity (ROE) | 14.3546% | 728 |
| Retained earnings to average equity (ytd only) | 4.5613% | 2,061 |
| Net charge-offs to loans | 0.2812% | 4,874 |
| Credit loss provision to net charge-offs | 148.5261% | 3,144 |
| Earnings coverage of net charge-offs (x) | 12.4966% | 1,507 |
| Efficiency ratio | 52.3022% | 7,363 |
| Assets per employee ($millions) | 3.8277% | 4,212 |
| Cash dividends to net income (ytd only)* | 68.2241% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 3,085 |
| Loan loss allowance to noncurrent loans | 208.5827% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2409% | 4,612 |
| Noncurrent loans to loans | 0.7907% | 5,701 |
| Net loans and leases to total assets | 68.7795% | 3,536 |
| Net loans and leases to deposits | 85.7082% | 2,968 |
| Net loans and leases to core deposits | 106.8676% | 3,230 |
| Total domestic deposits to total assets | 80.2485% | 5,601 |
| Equity capital to assets | 14.6349% | 990 |
| Core capital (leverage) ratio | 14.3101% | 924 |
| Tier 1 risk-based capital ratio | 20.1676% | 1,433 |
| Total risk-based capital ratio | 21.4242% | 1,391 |
| Memoranda: | ||
| Average total assets | $225,122,800 | 2,875 |
| Average earning assets | $208,890,800 | 2,849 |
| Average equity | $33,696,400 | 1,989 |
| Average total loans | $156,834,200 | 2,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4318% | 874 |
| Cost of funding earning assets | 1.8593% | 4,101 |
| Net interest margin | 4.5724% | 1,035 |
| Noninterest income to average assets | 0.8334% | 2,273 |
| Noninterest expense to average assets | 2.7894% | 4,935 |
| Loan and lease loss provision to assets | 0.1869% | 5,507 |
| Net operating income to assets | 2.0983% | 237 |
| Return on assets (ROA) | 2.0983% | 259 |
| Pretax return on assets | 2.1066% | 435 |
| Return on Equity (ROE) | 13.9389% | 949 |
| Retained earnings to average equity (ytd only) | 13.9389% | 199 |
| Net charge-offs to loans | 0.1745% | 4,997 |
| Credit loss provision to net charge-offs | 153.9216% | 3,108 |
| Earnings coverage of net charge-offs (x) | 18.8875% | 1,327 |
| Efficiency ratio | 54.8776% | 7,130 |
| Assets per employee ($millions) | 3.7362% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 3,014 |
| Loan loss allowance to noncurrent loans | 143.3803% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2439% | 4,580 |
| Noncurrent loans to loans | 1.1119% | 5,090 |
| Net loans and leases to total assets | 68.9252% | 3,731 |
| Net loans and leases to deposits | 88.9935% | 2,782 |
| Net loans and leases to core deposits | 114.7694% | 2,753 |
| Total domestic deposits to total assets | 77.4497% | 6,228 |
| Equity capital to assets | 15.8090% | 819 |
| Core capital (leverage) ratio | 15.3838% | 793 |
| Tier 1 risk-based capital ratio | 21.5317% | 1,283 |
| Total risk-based capital ratio | 22.7850% | 1,262 |
| Memoranda: | ||
| Average total assets | $223,987,750 | 2,905 |
| Average earning assets | $208,170,250 | 2,875 |
| Average equity | $33,717,750 | 2,008 |
| Average total loans | $155,890,250 | 2,853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4335% | 931 |
| Cost of funding earning assets | 1.9426% | 4,046 |
| Net interest margin | 4.4909% | 1,185 |
| Noninterest income to average assets | 0.8146% | 2,340 |
| Noninterest expense to average assets | 2.8031% | 4,947 |
| Loan and lease loss provision to assets | 0.1599% | 5,463 |
| Net operating income to assets | 2.0262% | 280 |
| Return on assets (ROA) | 2.0262% | 303 |
| Pretax return on assets | 2.0334% | 515 |
| Return on Equity (ROE) | 13.6947% | 1,042 |
| Retained earnings to average equity (ytd only) | 13.6947% | 273 |
| Net charge-offs to loans | 0.1293% | 4,877 |
| Credit loss provision to net charge-offs | 178.0000% | 2,576 |
| Earnings coverage of net charge-offs (x) | 24.4200% | 1,156 |
| Efficiency ratio | 56.1028% | 7,110 |
| Assets per employee ($millions) | 3.5308% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 2,632 |
| Loan loss allowance to noncurrent loans | 94.8302% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 4,106 |
| Noncurrent loans to loans | 1.7146% | 3,936 |
| Net loans and leases to total assets | 68.3543% | 4,095 |
| Net loans and leases to deposits | 85.9804% | 3,557 |
| Net loans and leases to core deposits | 108.4726% | 3,557 |
| Total domestic deposits to total assets | 79.4999% | 5,652 |
| Equity capital to assets | 15.3445% | 961 |
| Core capital (leverage) ratio | 14.9587% | 932 |
| Tier 1 risk-based capital ratio | 21.2619% | 1,355 |
| Total risk-based capital ratio | 22.5160% | 1,320 |
| Memoranda: | ||
| Average total assets | $222,681,000 | 2,943 |
| Average earning assets | $207,351,330 | 2,905 |
| Average equity | $32,947,000 | 2,062 |
| Average total loans | $154,643,330 | 2,909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4740% | 915 |
| Cost of funding earning assets | 2.0378% | 3,938 |
| Net interest margin | 4.4362% | 1,258 |
| Noninterest income to average assets | 0.7486% | 2,607 |
| Noninterest expense to average assets | 2.7145% | 4,932 |
| Loan and lease loss provision to assets | 0.2118% | 4,328 |
| Net operating income to assets | 1.9479% | 381 |
| Return on assets (ROA) | 1.9479% | 433 |
| Pretax return on assets | 1.9533% | 717 |
| Return on Equity (ROE) | 13.4139% | 1,288 |
| Retained earnings to average equity (ytd only) | 13.4139% | 580 |
| Net charge-offs to loans | 0.0827% | 4,340 |
| Credit loss provision to net charge-offs | 368.7500% | 1,386 |
| Earnings coverage of net charge-offs (x) | 37.6875% | 890 |
| Efficiency ratio | 55.6291% | 7,015 |
| Assets per employee ($millions) | 3.5974% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 2,254 |
| Loan loss allowance to noncurrent loans | 181.2365% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 4,819 |
| Noncurrent loans to loans | 0.9197% | 5,160 |
| Net loans and leases to total assets | 66.6828% | 4,418 |
| Net loans and leases to deposits | 82.6643% | 4,181 |
| Net loans and leases to core deposits | 104.0376% | 4,137 |
| Total domestic deposits to total assets | 80.6670% | 5,107 |
| Equity capital to assets | 14.7468% | 1,171 |
| Core capital (leverage) ratio | 14.3779% | 1,114 |
| Tier 1 risk-based capital ratio | 20.6987% | 1,493 |
| Total risk-based capital ratio | 21.9531% | 1,464 |
| Memoranda: | ||
| Average total assets | $222,802,500 | 2,959 |
| Average earning assets | $207,476,000 | 2,914 |
| Average equity | $32,354,500 | 2,095 |
| Average total loans | $154,685,500 | 2,931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0539% | 1,003 |
| Cost of funding earning assets | 2.5149% | 4,124 |
| Net interest margin | 4.5390% | 1,335 |
| Noninterest income to average assets | 0.8283% | 2,363 |
| Noninterest expense to average assets | 2.6229% | 5,564 |
| Loan and lease loss provision to assets | 0.2681% | 4,253 |
| Net operating income to assets | 2.1414% | 265 |
| Return on assets (ROA) | 2.1414% | 259 |
| Pretax return on assets | 2.1507% | 438 |
| Return on Equity (ROE) | 14.9939% | 927 |
| Retained earnings to average equity (ytd only) | 7.6996% | 926 |
| Net charge-offs to loans | 0.2061% | 4,147 |
| Credit loss provision to net charge-offs | 186.1736% | 2,660 |
| Earnings coverage of net charge-offs (x) | 16.7974% | 1,815 |
| Efficiency ratio | 52.0250% | 7,485 |
| Assets per employee ($millions) | 3.5898% | 4,438 |
| Cash dividends to net income (ytd only)* | 48.6486% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 2,499 |
| Loan loss allowance to noncurrent loans | 181.3105% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 4,477 |
| Noncurrent loans to loans | 0.8493% | 4,924 |
| Net loans and leases to total assets | 69.9506% | 4,028 |
| Net loans and leases to deposits | 86.4179% | 4,052 |
| Net loans and leases to core deposits | 108.2182% | 3,942 |
| Total domestic deposits to total assets | 80.9446% | 4,662 |
| Equity capital to assets | 14.2959% | 1,352 |
| Core capital (leverage) ratio | 14.1249% | 1,236 |
| Tier 1 risk-based capital ratio | 19.3030% | 1,748 |
| Total risk-based capital ratio | 20.5560% | 1,701 |
| Memoranda: | ||
| Average total assets | $215,980,600 | 2,928 |
| Average earning assets | $200,485,200 | 2,888 |
| Average equity | $30,845,800 | 2,187 |
| Average total loans | $150,922,400 | 2,910 |