Home > The Bennington State Bank > Performance and Condition Ratios
The Bennington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8356% | 2,404 |
| Cost of funding earning assets | 1.7487% | 1,360 |
| Net interest margin | 3.0869% | 3,121 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 1.6450% | 4,196 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.8929% | 531 |
| Return on assets (ROA) | 1.8934% | 515 |
| Pretax return on assets | 1.9697% | 703 |
| Return on Equity (ROE) | 21.4800% | 503 |
| Retained earnings to average equity (ytd only) | 5.9743% | 2,253 |
| Net charge-offs to loans | -0.0412% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.7640% | 4,230 |
| Assets per employee ($millions) | 8.2491% | 1,306 |
| Cash dividends to net income (ytd only)* | 72.1848% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4158% | 214 |
| Loan loss allowance to noncurrent loans | 1,890.8140% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 2,954 |
| Noncurrent loans to loans | 0.1278% | 2,878 |
| Net loans and leases to total assets | 66.3600% | 2,217 |
| Net loans and leases to deposits | 78.0738% | 2,254 |
| Net loans and leases to core deposits | 83.9113% | 2,457 |
| Total domestic deposits to total assets | 84.9900% | 2,317 |
| Equity capital to assets | 9.3652% | 2,444 |
| Core capital (leverage) ratio | 10.8993% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9661% | 1,079 |
| Memoranda: | ||
| Average total assets | $987,723,200 | 998 |
| Average earning assets | $949,000,800 | 952 |
| Average equity | $87,072,600 | 1,062 |
| Average total loans | $669,662,200 | 1,003 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 2,385 |
| Cost of funding earning assets | 1.6635% | 1,250 |
| Net interest margin | 3.0793% | 3,175 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 1.6233% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9710% | 520 |
| Return on assets (ROA) | 1.9716% | 511 |
| Pretax return on assets | 2.0497% | 714 |
| Return on Equity (ROE) | 22.7200% | 508 |
| Retained earnings to average equity (ytd only) | 9.9580% | 1,418 |
| Net charge-offs to loans | -0.0367% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.2038% | 4,217 |
| Assets per employee ($millions) | 8.2792% | 1,221 |
| Cash dividends to net income (ytd only)* | 56.1721% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3360% | 248 |
| Loan loss allowance to noncurrent loans | 801.6993% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,291 |
| Noncurrent loans to loans | 0.2914% | 2,191 |
| Net loans and leases to total assets | 65.5200% | 2,288 |
| Net loans and leases to deposits | 77.3477% | 2,298 |
| Net loans and leases to core deposits | 83.7379% | 2,341 |
| Total domestic deposits to total assets | 84.7100% | 2,595 |
| Equity capital to assets | 8.6240% | 2,649 |
| Core capital (leverage) ratio | 10.9660% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0866% | 1,083 |
| Memoranda: | ||
| Average total assets | $987,181,750 | 999 |
| Average earning assets | $948,887,250 | 954 |
| Average equity | $85,664,500 | 1,067 |
| Average total loans | $668,802,000 | 999 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 32,088.0000% | 17 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29,412.0000% | 27 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.9826% | 480 |
| Pretax return on assets | 2.0593% | 678 |
| Return on Equity (ROE) | 22.8000% | 499 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0010% | 2,386 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 1,043 |
| Efficiency ratio | 1.8339% | 4,624 |
| Assets per employee ($millions) | 0.0000% | 4,630 |
| Cash dividends to net income (ytd only)* | 1.9559% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 72.0000% | 4 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0082% | 4,523 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 17,925.0000% | 24 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $810,000 | 4,655 |
| Average earning assets | $8,858 | 4,613 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 2,623 |
| Cost of funding earning assets | 1.3278% | 1,174 |
| Net interest margin | 3.0470% | 3,473 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.7314% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8237% | 642 |
| Return on assets (ROA) | 1.8241% | 627 |
| Pretax return on assets | 1.8962% | 914 |
| Return on Equity (ROE) | 21.2100% | 646 |
| Retained earnings to average equity (ytd only) | 10.3267% | 1,622 |
| Net charge-offs to loans | -0.0378% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7339% | 4,098 |
| Assets per employee ($millions) | 8.3192% | 1,196 |
| Cash dividends to net income (ytd only)* | 51.3049% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6155% | 202 |
| Loan loss allowance to noncurrent loans | 989.1156% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,252 |
| Noncurrent loans to loans | 0.2644% | 2,197 |
| Net loans and leases to total assets | 65.0700% | 2,146 |
| Net loans and leases to deposits | 77.0383% | 2,035 |
| Net loans and leases to core deposits | 83.7131% | 2,002 |
| Total domestic deposits to total assets | 84.4700% | 2,980 |
| Equity capital to assets | 8.6536% | 2,778 |
| Core capital (leverage) ratio | 10.8166% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5447% | 1,252 |
| Memoranda: | ||
| Average total assets | $983,041,500 | 1,006 |
| Average earning assets | $944,415,500 | 959 |
| Average equity | $84,557,500 | 1,082 |
| Average total loans | $666,204,000 | 1,004 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 1,660 |
| Cost of funding earning assets | 0.6642% | 679 |
| Net interest margin | 3.3570% | 2,396 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 1.6098% | 4,293 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 2.2333% | 203 |
| Return on assets (ROA) | 2.0405% | 265 |
| Pretax return on assets | 2.1260% | 361 |
| Return on Equity (ROE) | 23.0100% | 278 |
| Retained earnings to average equity (ytd only) | 9.8954% | 1,194 |
| Net charge-offs to loans | -0.0975% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.3357% | 4,551 |
| Assets per employee ($millions) | 7.8681% | 1,392 |
| Cash dividends to net income (ytd only)* | 57.0004% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6130% | 188 |
| Loan loss allowance to noncurrent loans | 1,321.0486% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,573 |
| Noncurrent loans to loans | 0.1978% | 2,492 |
| Net loans and leases to total assets | 66.9500% | 1,935 |
| Net loans and leases to deposits | 78.5854% | 1,887 |
| Net loans and leases to core deposits | 85.5118% | 1,786 |
| Total domestic deposits to total assets | 85.1900% | 2,940 |
| Equity capital to assets | 8.5480% | 2,678 |
| Core capital (leverage) ratio | 10.3662% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2096% | 1,312 |
| Memoranda: | ||
| Average total assets | $962,937,000 | 1,018 |
| Average earning assets | $926,791,400 | 973 |
| Average equity | $85,383,200 | 1,075 |
| Average total loans | $637,117,600 | 987 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 1,497 |
| Cost of funding earning assets | 0.5070% | 733 |
| Net interest margin | 3.3869% | 2,021 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 1.5792% | 4,325 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 2.3416% | 180 |
| Return on assets (ROA) | 2.3425% | 176 |
| Pretax return on assets | 2.4267% | 232 |
| Return on Equity (ROE) | 26.1800% | 159 |
| Retained earnings to average equity (ytd only) | 15.9551% | 281 |
| Net charge-offs to loans | -0.1126% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.6711% | 4,622 |
| Assets per employee ($millions) | 8.0364% | 1,304 |
| Cash dividends to net income (ytd only)* | 39.0602% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5979% | 211 |
| Loan loss allowance to noncurrent loans | 1,262.5920% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,625 |
| Noncurrent loans to loans | 0.2058% | 2,571 |
| Net loans and leases to total assets | 66.1100% | 1,879 |
| Net loans and leases to deposits | 78.3494% | 1,682 |
| Net loans and leases to core deposits | 85.0962% | 1,579 |
| Total domestic deposits to total assets | 84.3800% | 3,408 |
| Equity capital to assets | 8.0563% | 2,861 |
| Core capital (leverage) ratio | 10.7541% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2658% | 1,350 |
| Memoranda: | ||
| Average total assets | $961,727,750 | 1,027 |
| Average earning assets | $926,809,500 | 978 |
| Average equity | $86,047,750 | 1,083 |
| Average total loans | $630,068,250 | 993 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 1,435 |
| Cost of funding earning assets | 0.3660% | 1,143 |
| Net interest margin | 3.3777% | 1,670 |
| Noninterest income to average assets | 0.5970% | 1,754 |
| Noninterest expense to average assets | 1.5874% | 4,320 |
| Loan and lease loss provision to assets | 0.1879% | 465 |
| Net operating income to assets | 1.9963% | 230 |
| Return on assets (ROA) | 1.9967% | 231 |
| Pretax return on assets | 2.0811% | 314 |
| Return on Equity (ROE) | 21.5895% | 215 |
| Retained earnings to average equity (ytd only) | 11.8849% | 624 |
| Net charge-offs to loans | -0.1384% | 4,519 |
| Credit loss provision to net charge-offs | -209.7902% | 3,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1682% | 4,593 |
| Assets per employee ($millions) | 8.2295% | 1,185 |
| Cash dividends to net income (ytd only)* | 44.9509% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5416% | 246 |
| Loan loss allowance to noncurrent loans | 1,092.3634% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,591 |
| Noncurrent loans to loans | 0.2327% | 2,556 |
| Net loans and leases to total assets | 64.9715% | 1,810 |
| Net loans and leases to deposits | 81.3957% | 1,284 |
| Net loans and leases to core deposits | 85.0872% | 1,389 |
| Total domestic deposits to total assets | 79.8218% | 4,242 |
| Equity capital to assets | 7.9060% | 3,196 |
| Core capital (leverage) ratio | 10.3909% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6288% | 1,529 |
| Memoranda: | ||
| Average total assets | $958,169,333 | 1,024 |
| Average earning assets | $924,483,000 | 983 |
| Average equity | $88,617,000 | 1,068 |
| Average total loans | $620,093,000 | 997 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 1,457 |
| Cost of funding earning assets | 0.3639% | 1,102 |
| Net interest margin | 3.2539% | 1,706 |
| Noninterest income to average assets | 0.5829% | 1,764 |
| Noninterest expense to average assets | 1.6188% | 4,268 |
| Loan and lease loss provision to assets | 0.1900% | 395 |
| Net operating income to assets | 1.8328% | 306 |
| Return on assets (ROA) | 1.8328% | 310 |
| Pretax return on assets | 1.9181% | 426 |
| Return on Equity (ROE) | 18.4347% | 304 |
| Retained earnings to average equity (ytd only) | 9.9434% | 1,036 |
| Net charge-offs to loans | -0.2147% | 4,617 |
| Credit loss provision to net charge-offs | -138.8889% | 2,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4364% | 4,574 |
| Assets per employee ($millions) | 8.7771% | 987 |
| Cash dividends to net income (ytd only)* | 46.0617% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6293% | 250 |
| Loan loss allowance to noncurrent loans | 4,122.8792% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 2,184 |
| Noncurrent loans to loans | 0.0638% | 3,534 |
| Net loans and leases to total assets | 62.0809% | 1,850 |
| Net loans and leases to deposits | 76.0759% | 1,439 |
| Net loans and leases to core deposits | 81.0546% | 1,417 |
| Total domestic deposits to total assets | 81.6039% | 4,129 |
| Equity capital to assets | 9.2458% | 2,486 |
| Core capital (leverage) ratio | 10.3084% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0989% | 1,481 |
| Memoranda: | ||
| Average total assets | $947,599,500 | 1,039 |
| Average earning assets | $915,586,500 | 998 |
| Average equity | $94,213,500 | 1,039 |
| Average total loans | $603,707,000 | 1,014 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 2,479 |
| Cost of funding earning assets | 0.4381% | 1,270 |
| Net interest margin | 3.1248% | 2,823 |
| Noninterest income to average assets | 0.5435% | 2,382 |
| Noninterest expense to average assets | 1.5680% | 4,464 |
| Loan and lease loss provision to assets | 0.1808% | 636 |
| Net operating income to assets | 1.7638% | 550 |
| Return on assets (ROA) | 1.7657% | 575 |
| Pretax return on assets | 1.8423% | 834 |
| Return on Equity (ROE) | 16.3296% | 703 |
| Retained earnings to average equity (ytd only) | 7.4631% | 1,738 |
| Net charge-offs to loans | -0.1053% | 4,596 |
| Credit loss provision to net charge-offs | -281.0903% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6884% | 4,584 |
| Assets per employee ($millions) | 8.5317% | 1,071 |
| Cash dividends to net income (ytd only)* | 54.2972% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 254 |
| Loan loss allowance to noncurrent loans | 550.0541% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 2,062 |
| Noncurrent loans to loans | 0.4645% | 1,975 |
| Net loans and leases to total assets | 62.0335% | 1,940 |
| Net loans and leases to deposits | 78.1993% | 1,380 |
| Net loans and leases to core deposits | 84.2438% | 1,313 |
| Total domestic deposits to total assets | 79.3274% | 4,279 |
| Equity capital to assets | 10.6524% | 2,047 |
| Core capital (leverage) ratio | 10.3621% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0389% | 1,497 |
| Memoranda: | ||
| Average total assets | $912,683,600 | 1,035 |
| Average earning assets | $889,547,600 | 989 |
| Average equity | $98,685,600 | 1,023 |
| Average total loans | $557,476,800 | 1,077 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 2,868 |
| Cost of funding earning assets | 0.4555% | 1,316 |
| Net interest margin | 3.0315% | 3,226 |
| Noninterest income to average assets | 0.5179% | 2,548 |
| Noninterest expense to average assets | 1.5055% | 4,590 |
| Loan and lease loss provision to assets | 0.1545% | 718 |
| Net operating income to assets | 1.7697% | 713 |
| Return on assets (ROA) | 1.7721% | 737 |
| Pretax return on assets | 1.8211% | 1,113 |
| Return on Equity (ROE) | 16.3267% | 882 |
| Retained earnings to average equity (ytd only) | 8.1938% | 1,999 |
| Net charge-offs to loans | -0.0723% | 4,496 |
| Credit loss provision to net charge-offs | -353.5354% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2795% | 4,610 |
| Assets per employee ($millions) | 8.1735% | 1,188 |
| Cash dividends to net income (ytd only)* | 49.8132% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6176% | 237 |
| Loan loss allowance to noncurrent loans | 462.4839% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 2,101 |
| Noncurrent loans to loans | 0.5660% | 1,900 |
| Net loans and leases to total assets | 57.8990% | 2,508 |
| Net loans and leases to deposits | 72.6917% | 1,991 |
| Net loans and leases to core deposits | 78.3565% | 1,867 |
| Total domestic deposits to total assets | 79.6501% | 4,276 |
| Equity capital to assets | 10.9750% | 2,037 |
| Core capital (leverage) ratio | 10.3572% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0813% | 1,336 |
| Memoranda: | ||
| Average total assets | $906,232,000 | 1,051 |
| Average earning assets | $885,072,750 | 1,005 |
| Average equity | $98,364,000 | 1,043 |
| Average total loans | $547,485,500 | 1,109 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 3,045 |
| Cost of funding earning assets | 0.4805% | 1,318 |
| Net interest margin | 2.9615% | 3,415 |
| Noninterest income to average assets | 0.5024% | 2,614 |
| Noninterest expense to average assets | 1.4877% | 4,629 |
| Loan and lease loss provision to assets | 0.1666% | 701 |
| Net operating income to assets | 1.6979% | 874 |
| Return on assets (ROA) | 1.7007% | 921 |
| Pretax return on assets | 1.7436% | 1,375 |
| Return on Equity (ROE) | 15.7287% | 1,009 |
| Retained earnings to average equity (ytd only) | 7.5120% | 2,246 |
| Net charge-offs to loans | -0.0570% | 4,432 |
| Credit loss provision to net charge-offs | -480.7692% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8207% | 4,626 |
| Assets per employee ($millions) | 8.0286% | 1,198 |
| Cash dividends to net income (ytd only)* | 52.2398% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4855% | 280 |
| Loan loss allowance to noncurrent loans | 348.7610% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 1,904 |
| Noncurrent loans to loans | 0.7127% | 1,658 |
| Net loans and leases to total assets | 58.6949% | 2,580 |
| Net loans and leases to deposits | 73.7986% | 2,019 |
| Net loans and leases to core deposits | 79.4361% | 1,931 |
| Total domestic deposits to total assets | 79.5340% | 4,289 |
| Equity capital to assets | 10.5988% | 2,314 |
| Core capital (leverage) ratio | 10.4535% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9217% | 1,354 |
| Memoranda: | ||
| Average total assets | $900,442,667 | 1,051 |
| Average earning assets | $879,498,333 | 1,009 |
| Average equity | $97,363,667 | 1,045 |
| Average total loans | $546,937,667 | 1,114 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 3,254 |
| Cost of funding earning assets | 0.5294% | 1,208 |
| Net interest margin | 2.8530% | 3,631 |
| Noninterest income to average assets | 0.4791% | 2,709 |
| Noninterest expense to average assets | 1.5141% | 4,637 |
| Loan and lease loss provision to assets | 0.1017% | 1,326 |
| Net operating income to assets | 1.6262% | 1,069 |
| Return on assets (ROA) | 1.6303% | 1,116 |
| Pretax return on assets | 1.6538% | 1,596 |
| Return on Equity (ROE) | 14.9218% | 1,231 |
| Retained earnings to average equity (ytd only) | 6.6480% | 2,680 |
| Net charge-offs to loans | -0.0541% | 4,426 |
| Credit loss provision to net charge-offs | -308.2192% | 3,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3668% | 4,442 |
| Assets per employee ($millions) | 8.4728% | 1,000 |
| Cash dividends to net income (ytd only)* | 55.4477% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 282 |
| Loan loss allowance to noncurrent loans | 467.2160% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 2,556 |
| Noncurrent loans to loans | 0.5238% | 2,286 |
| Net loans and leases to total assets | 59.1383% | 2,653 |
| Net loans and leases to deposits | 73.3802% | 2,172 |
| Net loans and leases to core deposits | 78.7235% | 2,120 |
| Total domestic deposits to total assets | 80.5917% | 4,128 |
| Equity capital to assets | 10.6373% | 2,137 |
| Core capital (leverage) ratio | 10.3260% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4133% | 1,193 |
| Memoranda: | ||
| Average total assets | $885,004,500 | 1,052 |
| Average earning assets | $864,354,500 | 1,010 |
| Average equity | $96,691,000 | 1,036 |
| Average total loans | $540,121,500 | 1,126 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,159 |
| Cost of funding earning assets | 0.7124% | 1,661 |
| Net interest margin | 3.1388% | 3,528 |
| Noninterest income to average assets | 0.6010% | 2,212 |
| Noninterest expense to average assets | 1.6254% | 4,685 |
| Loan and lease loss provision to assets | 0.2129% | 1,844 |
| Net operating income to assets | 1.7512% | 437 |
| Return on assets (ROA) | 1.7634% | 453 |
| Pretax return on assets | 1.8389% | 627 |
| Return on Equity (ROE) | 15.2272% | 599 |
| Retained earnings to average equity (ytd only) | 6.4697% | 1,603 |
| Net charge-offs to loans | 0.7267% | 201 |
| Credit loss provision to net charge-offs | 45.0093% | 3,169 |
| Earnings coverage of net charge-offs (x) | 4.3116% | 2,998 |
| Efficiency ratio | 44.3571% | 4,776 |
| Assets per employee ($millions) | 8.2254% | 961 |
| Cash dividends to net income (ytd only)* | 57.5121% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4314% | 285 |
| Loan loss allowance to noncurrent loans | 425.8581% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 2,582 |
| Noncurrent loans to loans | 0.5709% | 2,270 |
| Net loans and leases to total assets | 59.9569% | 2,869 |
| Net loans and leases to deposits | 75.5216% | 2,330 |
| Net loans and leases to core deposits | 81.5966% | 2,222 |
| Total domestic deposits to total assets | 79.3905% | 4,154 |
| Equity capital to assets | 11.2224% | 2,080 |
| Core capital (leverage) ratio | 10.8084% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5951% | 1,126 |
| Memoranda: | ||
| Average total assets | $798,672,200 | 1,056 |
| Average earning assets | $779,493,800 | 1,012 |
| Average equity | $92,492,600 | 1,032 |
| Average total loans | $519,770,200 | 1,105 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,308 |
| Cost of funding earning assets | 0.7620% | 1,666 |
| Net interest margin | 3.1219% | 3,685 |
| Noninterest income to average assets | 0.6260% | 2,081 |
| Noninterest expense to average assets | 1.5965% | 4,732 |
| Loan and lease loss provision to assets | 0.2563% | 1,583 |
| Net operating income to assets | 1.7446% | 519 |
| Return on assets (ROA) | 1.7610% | 557 |
| Pretax return on assets | 1.8374% | 733 |
| Return on Equity (ROE) | 15.0759% | 680 |
| Retained earnings to average equity (ytd only) | 6.1535% | 2,040 |
| Net charge-offs to loans | 0.7716% | 177 |
| Credit loss provision to net charge-offs | 50.2513% | 2,885 |
| Earnings coverage of net charge-offs (x) | 4.0717% | 2,855 |
| Efficiency ratio | 43.4645% | 4,815 |
| Assets per employee ($millions) | 8.2227% | 922 |
| Cash dividends to net income (ytd only)* | 59.1831% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 221 |
| Loan loss allowance to noncurrent loans | 196.9202% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 1,351 |
| Noncurrent loans to loans | 1.2779% | 1,164 |
| Net loans and leases to total assets | 64.1618% | 2,751 |
| Net loans and leases to deposits | 82.4429% | 2,057 |
| Net loans and leases to core deposits | 89.9269% | 1,974 |
| Total domestic deposits to total assets | 77.8258% | 4,224 |
| Equity capital to assets | 11.6811% | 1,889 |
| Core capital (leverage) ratio | 10.7493% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7537% | 1,090 |
| Memoranda: | ||
| Average total assets | $780,366,750 | 1,063 |
| Average earning assets | $761,645,250 | 1,015 |
| Average equity | $91,154,000 | 1,035 |
| Average total loans | $515,765,750 | 1,100 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,085 |
| Cost of funding earning assets | 0.8277% | 1,687 |
| Net interest margin | 3.2587% | 3,493 |
| Noninterest income to average assets | 0.6952% | 1,753 |
| Noninterest expense to average assets | 1.6075% | 4,772 |
| Loan and lease loss provision to assets | 0.1957% | 2,084 |
| Net operating income to assets | 1.9982% | 338 |
| Return on assets (ROA) | 1.9982% | 372 |
| Pretax return on assets | 2.0739% | 477 |
| Return on Equity (ROE) | 17.1064% | 442 |
| Retained earnings to average equity (ytd only) | 7.7232% | 1,395 |
| Net charge-offs to loans | 0.2097% | 743 |
| Credit loss provision to net charge-offs | 140.9774% | 2,172 |
| Earnings coverage of net charge-offs (x) | 16.3477% | 1,865 |
| Efficiency ratio | 41.4619% | 4,873 |
| Assets per employee ($millions) | 8.2952% | 869 |
| Cash dividends to net income (ytd only)* | 54.8518% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7847% | 167 |
| Loan loss allowance to noncurrent loans | 122.4095% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4940% | 625 |
| Noncurrent loans to loans | 2.2749% | 541 |
| Net loans and leases to total assets | 63.8454% | 2,902 |
| Net loans and leases to deposits | 80.8437% | 2,335 |
| Net loans and leases to core deposits | 87.9780% | 2,244 |
| Total domestic deposits to total assets | 78.9739% | 4,042 |
| Equity capital to assets | 11.3463% | 2,086 |
| Core capital (leverage) ratio | 10.8889% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7923% | 1,086 |
| Memoranda: | ||
| Average total assets | $766,398,667 | 1,064 |
| Average earning assets | $748,333,667 | 1,015 |
| Average equity | $89,522,000 | 1,041 |
| Average total loans | $507,286,667 | 1,103 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,796 |
| Cost of funding earning assets | 0.9942% | 1,440 |
| Net interest margin | 3.3459% | 3,462 |
| Noninterest income to average assets | 0.6547% | 1,819 |
| Noninterest expense to average assets | 1.6417% | 4,830 |
| Loan and lease loss provision to assets | 0.1642% | 1,772 |
| Net operating income to assets | 2.0386% | 255 |
| Return on assets (ROA) | 2.0386% | 278 |
| Pretax return on assets | 2.1114% | 366 |
| Return on Equity (ROE) | 17.1707% | 316 |
| Retained earnings to average equity (ytd only) | 7.4880% | 1,380 |
| Net charge-offs to loans | 0.0790% | 1,233 |
| Credit loss provision to net charge-offs | 312.5000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 43.3021% | 989 |
| Efficiency ratio | 41.9089% | 4,947 |
| Assets per employee ($millions) | 7.3240% | 960 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1640% | 131 |
| Loan loss allowance to noncurrent loans | 159.7474% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3561% | 847 |
| Noncurrent loans to loans | 1.9806% | 722 |
| Net loans and leases to total assets | 63.9647% | 3,073 |
| Net loans and leases to deposits | 80.1430% | 2,660 |
| Net loans and leases to core deposits | 87.8148% | 2,536 |
| Total domestic deposits to total assets | 79.8132% | 3,891 |
| Equity capital to assets | 11.8147% | 2,205 |
| Core capital (leverage) ratio | 11.9197% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1891% | 1,120 |
| Memoranda: | ||
| Average total assets | $730,690,000 | 1,071 |
| Average earning assets | $712,512,500 | 1,020 |
| Average equity | $86,752,500 | 1,060 |
| Average total loans | $485,815,500 | 1,118 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 2,868 |
| Cost of funding earning assets | 1.0914% | 1,359 |
| Net interest margin | 3.4325% | 3,645 |
| Noninterest income to average assets | 0.6831% | 1,875 |
| Noninterest expense to average assets | 1.7363% | 4,842 |
| Loan and lease loss provision to assets | 0.2754% | 641 |
| Net operating income to assets | 1.9184% | 416 |
| Return on assets (ROA) | 1.9122% | 440 |
| Pretax return on assets | 1.9951% | 607 |
| Return on Equity (ROE) | 16.4144% | 490 |
| Retained earnings to average equity (ytd only) | 8.1708% | 924 |
| Net charge-offs to loans | 0.3517% | 570 |
| Credit loss provision to net charge-offs | 114.8410% | 2,189 |
| Earnings coverage of net charge-offs (x) | 9.4953% | 2,656 |
| Efficiency ratio | 43.2648% | 5,004 |
| Assets per employee ($millions) | 7.2898% | 939 |
| Cash dividends to net income (ytd only)* | 50.2216% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0958% | 115 |
| Loan loss allowance to noncurrent loans | 302.7867% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 1,808 |
| Noncurrent loans to loans | 1.0225% | 1,480 |
| Net loans and leases to total assets | 64.8500% | 3,093 |
| Net loans and leases to deposits | 82.0356% | 2,555 |
| Net loans and leases to core deposits | 89.4804% | 2,469 |
| Total domestic deposits to total assets | 79.0510% | 4,178 |
| Equity capital to assets | 11.9309% | 2,178 |
| Core capital (leverage) ratio | 11.8362% | 1,874 |
| Tier 1 risk-based capital ratio | 16.5697% | 2,195 |
| Total risk-based capital ratio | 17.8405% | 2,125 |
| Memoranda: | ||
| Average total assets | $708,095,200 | 1,057 |
| Average earning assets | $686,990,400 | 1,020 |
| Average equity | $82,488,400 | 1,057 |
| Average total loans | $482,838,200 | 1,109 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 3,060 |
| Cost of funding earning assets | 1.1164% | 1,285 |
| Net interest margin | 3.3853% | 3,897 |
| Noninterest income to average assets | 0.6888% | 1,833 |
| Noninterest expense to average assets | 1.6799% | 4,944 |
| Loan and lease loss provision to assets | 0.2751% | 565 |
| Net operating income to assets | 1.9400% | 448 |
| Return on assets (ROA) | 1.9316% | 475 |
| Pretax return on assets | 2.0051% | 674 |
| Return on Equity (ROE) | 16.6861% | 519 |
| Retained earnings to average equity (ytd only) | 8.4930% | 1,206 |
| Net charge-offs to loans | 0.1094% | 1,372 |
| Credit loss provision to net charge-offs | 367.0886% | 821 |
| Earnings coverage of net charge-offs (x) | 30.5470% | 1,607 |
| Efficiency ratio | 42.3286% | 5,072 |
| Assets per employee ($millions) | 6.5980% | 1,227 |
| Cash dividends to net income (ytd only)* | 49.1015% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3865% | 95 |
| Loan loss allowance to noncurrent loans | 190.0585% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 983 |
| Noncurrent loans to loans | 1.7818% | 805 |
| Net loans and leases to total assets | 64.2761% | 3,258 |
| Net loans and leases to deposits | 80.1794% | 2,877 |
| Net loans and leases to core deposits | 84.6959% | 3,025 |
| Total domestic deposits to total assets | 80.1652% | 3,960 |
| Equity capital to assets | 12.1679% | 2,138 |
| Core capital (leverage) ratio | 11.8038% | 1,994 |
| Tier 1 risk-based capital ratio | 17.0096% | 2,084 |
| Total risk-based capital ratio | 18.2843% | 2,028 |
| Memoranda: | ||
| Average total assets | $702,873,750 | 1,067 |
| Average earning assets | $681,007,250 | 1,029 |
| Average equity | $81,367,000 | 1,071 |
| Average total loans | $481,586,000 | 1,118 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 3,107 |
| Cost of funding earning assets | 1.1166% | 1,234 |
| Net interest margin | 3.3532% | 4,020 |
| Noninterest income to average assets | 0.6628% | 1,862 |
| Noninterest expense to average assets | 1.7545% | 4,916 |
| Loan and lease loss provision to assets | 0.3277% | 405 |
| Net operating income to assets | 1.7594% | 648 |
| Return on assets (ROA) | 1.7468% | 696 |
| Pretax return on assets | 1.8161% | 1,001 |
| Return on Equity (ROE) | 15.3528% | 691 |
| Retained earnings to average equity (ytd only) | 7.8392% | 1,454 |
| Net charge-offs to loans | 0.2410% | 699 |
| Credit loss provision to net charge-offs | 196.5812% | 1,230 |
| Earnings coverage of net charge-offs (x) | 12.9385% | 2,129 |
| Efficiency ratio | 44.8565% | 5,036 |
| Assets per employee ($millions) | 6.8220% | 1,083 |
| Cash dividends to net income (ytd only)* | 48.9396% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1810% | 112 |
| Loan loss allowance to noncurrent loans | 191.1706% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 1,170 |
| Noncurrent loans to loans | 1.6639% | 918 |
| Net loans and leases to total assets | 66.1346% | 3,085 |
| Net loans and leases to deposits | 82.5959% | 2,667 |
| Net loans and leases to core deposits | 87.2193% | 2,872 |
| Total domestic deposits to total assets | 80.0702% | 4,026 |
| Equity capital to assets | 11.7379% | 2,399 |
| Core capital (leverage) ratio | 11.4950% | 2,172 |
| Tier 1 risk-based capital ratio | 16.2168% | 2,320 |
| Total risk-based capital ratio | 17.4893% | 2,259 |
| Memoranda: | ||
| Average total assets | $701,837,330 | 1,069 |
| Average earning assets | $679,940,000 | 1,032 |
| Average equity | $79,855,000 | 1,085 |
| Average total loans | $485,553,330 | 1,109 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 3,131 |
| Cost of funding earning assets | 1.0940% | 1,204 |
| Net interest margin | 3.3311% | 4,088 |
| Noninterest income to average assets | 0.6086% | 2,009 |
| Noninterest expense to average assets | 1.7736% | 4,945 |
| Loan and lease loss provision to assets | 0.4298% | 263 |
| Net operating income to assets | 1.5730% | 950 |
| Return on assets (ROA) | 1.5730% | 977 |
| Pretax return on assets | 1.6298% | 1,392 |
| Return on Equity (ROE) | 14.0512% | 960 |
| Retained earnings to average equity (ytd only) | 6.3729% | 2,289 |
| Net charge-offs to loans | 0.0395% | 1,710 |
| Credit loss provision to net charge-offs | 1,562.5000% | 250 |
| Earnings coverage of net charge-offs (x) | 74.8750% | 804 |
| Efficiency ratio | 46.2700% | 5,014 |
| Assets per employee ($millions) | 6.6292% | 1,182 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2260% | 106 |
| Loan loss allowance to noncurrent loans | 111.4671% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 473 |
| Noncurrent loans to loans | 2.8941% | 394 |
| Net loans and leases to total assets | 67.0294% | 2,893 |
| Net loans and leases to deposits | 83.4968% | 2,439 |
| Net loans and leases to core deposits | 88.5555% | 2,636 |
| Total domestic deposits to total assets | 80.2778% | 4,123 |
| Equity capital to assets | 11.4493% | 2,441 |
| Core capital (leverage) ratio | 11.2303% | 2,362 |
| Tier 1 risk-based capital ratio | 16.0141% | 2,433 |
| Total risk-based capital ratio | 17.2874% | 2,367 |
| Memoranda: | ||
| Average total assets | $698,011,500 | 1,083 |
| Average earning assets | $675,686,000 | 1,039 |
| Average equity | $78,143,000 | 1,098 |
| Average total loans | $486,013,000 | 1,105 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 3,362 |
| Cost of funding earning assets | 0.8101% | 1,472 |
| Net interest margin | 3.4183% | 3,947 |
| Noninterest income to average assets | 0.7243% | 1,753 |
| Noninterest expense to average assets | 1.8173% | 4,989 |
| Loan and lease loss provision to assets | 0.4337% | 301 |
| Net operating income to assets | 1.7060% | 687 |
| Return on assets (ROA) | 1.7060% | 674 |
| Pretax return on assets | 1.7878% | 954 |
| Return on Equity (ROE) | 16.1508% | 599 |
| Retained earnings to average equity (ytd only) | 8.2130% | 1,152 |
| Net charge-offs to loans | 0.2082% | 918 |
| Credit loss provision to net charge-offs | 287.6318% | 1,056 |
| Earnings coverage of net charge-offs (x) | 14.7335% | 2,363 |
| Efficiency ratio | 44.9961% | 5,152 |
| Assets per employee ($millions) | 6.6034% | 1,171 |
| Cash dividends to net income (ytd only)* | 49.1484% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0314% | 128 |
| Loan loss allowance to noncurrent loans | 89.8155% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.3666% | 341 |
| Noncurrent loans to loans | 3.3751% | 275 |
| Net loans and leases to total assets | 67.8689% | 2,895 |
| Net loans and leases to deposits | 85.1924% | 2,385 |
| Net loans and leases to core deposits | 89.7714% | 2,590 |
| Total domestic deposits to total assets | 79.6654% | 4,180 |
| Equity capital to assets | 10.9423% | 2,743 |
| Core capital (leverage) ratio | 11.2665% | 2,288 |
| Tier 1 risk-based capital ratio | 15.3178% | 2,692 |
| Total risk-based capital ratio | 16.5883% | 2,608 |
| Memoranda: | ||
| Average total assets | $691,724,800 | 1,070 |
| Average earning assets | $670,742,000 | 1,025 |
| Average equity | $73,067,400 | 1,114 |
| Average total loans | $500,861,200 | 1,044 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,360 |
| Cost of funding earning assets | 0.7580% | 1,546 |
| Net interest margin | 3.4308% | 3,921 |
| Noninterest income to average assets | 0.7385% | 1,722 |
| Noninterest expense to average assets | 1.6516% | 5,172 |
| Loan and lease loss provision to assets | 0.4833% | 238 |
| Net operating income to assets | 1.8617% | 535 |
| Return on assets (ROA) | 1.8617% | 534 |
| Pretax return on assets | 1.9363% | 757 |
| Return on Equity (ROE) | 17.7869% | 450 |
| Retained earnings to average equity (ytd only) | 10.0294% | 916 |
| Net charge-offs to loans | 0.0683% | 1,858 |
| Credit loss provision to net charge-offs | 968.9922% | 428 |
| Earnings coverage of net charge-offs (x) | 48.5118% | 1,190 |
| Efficiency ratio | 40.5670% | 5,317 |
| Assets per employee ($millions) | 6.4382% | 1,218 |
| Cash dividends to net income (ytd only)* | 43.6137% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0661% | 129 |
| Loan loss allowance to noncurrent loans | 77.1694% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.8785% | 266 |
| Noncurrent loans to loans | 3.9733% | 208 |
| Net loans and leases to total assets | 70.1174% | 2,626 |
| Net loans and leases to deposits | 86.6285% | 2,302 |
| Net loans and leases to core deposits | 91.0585% | 2,553 |
| Total domestic deposits to total assets | 80.9404% | 3,884 |
| Equity capital to assets | 10.9336% | 2,721 |
| Core capital (leverage) ratio | 11.1429% | 2,461 |
| Tier 1 risk-based capital ratio | 15.0607% | 2,853 |
| Total risk-based capital ratio | 16.3315% | 2,769 |
| Memoranda: | ||
| Average total assets | $689,666,000 | 1,074 |
| Average earning assets | $669,960,500 | 1,028 |
| Average equity | $72,186,250 | 1,128 |
| Average total loans | $503,600,000 | 1,039 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 3,432 |
| Cost of funding earning assets | 0.7136% | 1,551 |
| Net interest margin | 3.3912% | 3,980 |
| Noninterest income to average assets | 0.7372% | 1,696 |
| Noninterest expense to average assets | 1.7261% | 5,167 |
| Loan and lease loss provision to assets | 0.5780% | 182 |
| Net operating income to assets | 1.6556% | 791 |
| Return on assets (ROA) | 1.6556% | 802 |
| Pretax return on assets | 1.7264% | 1,154 |
| Return on Equity (ROE) | 16.0529% | 664 |
| Retained earnings to average equity (ytd only) | 8.2072% | 1,535 |
| Net charge-offs to loans | -0.0683% | 5,033 |
| Credit loss provision to net charge-offs | -1,156.0694% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8264% | 5,315 |
| Assets per employee ($millions) | 6.5959% | 1,134 |
| Cash dividends to net income (ytd only)* | 48.8741% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9535% | 149 |
| Loan loss allowance to noncurrent loans | 75.9387% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.9091% | 262 |
| Noncurrent loans to loans | 3.8893% | 233 |
| Net loans and leases to total assets | 72.1711% | 2,250 |
| Net loans and leases to deposits | 88.0701% | 2,104 |
| Net loans and leases to core deposits | 92.6152% | 2,343 |
| Total domestic deposits to total assets | 81.9474% | 3,739 |
| Equity capital to assets | 10.5777% | 3,047 |
| Core capital (leverage) ratio | 10.7690% | 2,735 |
| Tier 1 risk-based capital ratio | 14.2095% | 3,261 |
| Total risk-based capital ratio | 15.4792% | 3,166 |
| Memoranda: | ||
| Average total assets | $692,072,330 | 1,073 |
| Average earning assets | $672,090,670 | 1,034 |
| Average equity | $71,376,330 | 1,140 |
| Average total loans | $506,916,670 | 1,035 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,365 |
| Cost of funding earning assets | 0.6699% | 1,602 |
| Net interest margin | 3.3919% | 3,909 |
| Noninterest income to average assets | 0.6439% | 2,061 |
| Noninterest expense to average assets | 1.7171% | 5,228 |
| Loan and lease loss provision to assets | 0.8632% | 104 |
| Net operating income to assets | 1.2930% | 1,665 |
| Return on assets (ROA) | 1.2930% | 1,669 |
| Pretax return on assets | 1.3529% | 2,176 |
| Return on Equity (ROE) | 12.6978% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.7864% | 3,264 |
| Net charge-offs to loans | -0.0340% | 4,798 |
| Credit loss provision to net charge-offs | -3,488.3721% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6576% | 5,353 |
| Assets per employee ($millions) | 6.5089% | 1,194 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8430% | 182 |
| Loan loss allowance to noncurrent loans | 91.6053% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 2.2886% | 441 |
| Noncurrent loans to loans | 3.1035% | 376 |
| Net loans and leases to total assets | 71.5097% | 2,248 |
| Net loans and leases to deposits | 87.6342% | 1,977 |
| Net loans and leases to core deposits | 92.1487% | 2,285 |
| Total domestic deposits to total assets | 81.6002% | 4,067 |
| Equity capital to assets | 10.2127% | 3,375 |
| Core capital (leverage) ratio | 10.5302% | 2,913 |
| Tier 1 risk-based capital ratio | 13.7946% | 3,499 |
| Total risk-based capital ratio | 15.0632% | 3,400 |
| Memoranda: | ||
| Average total assets | $695,119,500 | 1,076 |
| Average earning assets | $674,081,500 | 1,033 |
| Average equity | $70,784,000 | 1,156 |
| Average total loans | $505,302,500 | 1,039 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,791 |
| Cost of funding earning assets | 0.6345% | 1,391 |
| Net interest margin | 3.2438% | 4,321 |
| Noninterest income to average assets | 0.6995% | 1,968 |
| Noninterest expense to average assets | 1.5811% | 5,431 |
| Loan and lease loss provision to assets | 0.5931% | 213 |
| Net operating income to assets | 1.5860% | 671 |
| Return on assets (ROA) | 1.5507% | 735 |
| Pretax return on assets | 1.6400% | 1,192 |
| Return on Equity (ROE) | 15.8630% | 499 |
| Retained earnings to average equity (ytd only) | 8.0622% | 743 |
| Net charge-offs to loans | 0.3061% | 838 |
| Credit loss provision to net charge-offs | 282.2581% | 997 |
| Earnings coverage of net charge-offs (x) | 10.8038% | 2,630 |
| Efficiency ratio | 41.0531% | 5,509 |
| Assets per employee ($millions) | 6.7990% | 1,056 |
| Cash dividends to net income (ytd only)* | 49.1758% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5645% | 227 |
| Loan loss allowance to noncurrent loans | 191.5330% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 1,613 |
| Noncurrent loans to loans | 1.3389% | 1,303 |
| Net loans and leases to total assets | 69.9559% | 2,524 |
| Net loans and leases to deposits | 85.7025% | 2,299 |
| Net loans and leases to core deposits | 90.2447% | 2,546 |
| Total domestic deposits to total assets | 81.6264% | 3,965 |
| Equity capital to assets | 10.1537% | 3,533 |
| Core capital (leverage) ratio | 10.2736% | 3,099 |
| Tier 1 risk-based capital ratio | 13.9001% | 3,419 |
| Total risk-based capital ratio | 15.1656% | 3,320 |
| Memoranda: | ||
| Average total assets | $708,122,000 | 1,032 |
| Average earning assets | $688,057,600 | 986 |
| Average equity | $69,224,000 | 1,149 |
| Average total loans | $486,081,800 | 1,057 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 3,891 |
| Cost of funding earning assets | 0.6308% | 1,350 |
| Net interest margin | 3.2020% | 4,442 |
| Noninterest income to average assets | 0.6831% | 2,069 |
| Noninterest expense to average assets | 1.5091% | 5,511 |
| Loan and lease loss provision to assets | 0.4694% | 262 |
| Net operating income to assets | 1.7316% | 551 |
| Return on assets (ROA) | 1.7318% | 559 |
| Pretax return on assets | 1.8167% | 852 |
| Return on Equity (ROE) | 17.8857% | 340 |
| Retained earnings to average equity (ytd only) | 10.3226% | 522 |
| Net charge-offs to loans | 0.1787% | 1,181 |
| Credit loss provision to net charge-offs | 386.9969% | 790 |
| Earnings coverage of net charge-offs (x) | 18.8452% | 2,026 |
| Efficiency ratio | 39.7655% | 5,585 |
| Assets per employee ($millions) | 6.9248% | 979 |
| Cash dividends to net income (ytd only)* | 42.2856% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4859% | 270 |
| Loan loss allowance to noncurrent loans | 160.3731% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 1,422 |
| Noncurrent loans to loans | 1.5501% | 1,202 |
| Net loans and leases to total assets | 68.1803% | 2,820 |
| Net loans and leases to deposits | 84.6376% | 2,478 |
| Net loans and leases to core deposits | 89.3725% | 2,665 |
| Total domestic deposits to total assets | 80.5557% | 4,190 |
| Equity capital to assets | 10.4329% | 3,440 |
| Core capital (leverage) ratio | 10.2730% | 3,230 |
| Tier 1 risk-based capital ratio | 14.2050% | 3,349 |
| Total risk-based capital ratio | 15.4691% | 3,246 |
| Memoranda: | ||
| Average total assets | $710,079,250 | 1,034 |
| Average earning assets | $690,095,750 | 990 |
| Average equity | $68,753,500 | 1,165 |
| Average total loans | $481,904,750 | 1,069 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 4,040 |
| Cost of funding earning assets | 0.6154% | 1,354 |
| Net interest margin | 3.1433% | 4,563 |
| Noninterest income to average assets | 0.6626% | 2,159 |
| Noninterest expense to average assets | 1.5387% | 5,537 |
| Loan and lease loss provision to assets | 0.4051% | 319 |
| Net operating income to assets | 1.6828% | 582 |
| Return on assets (ROA) | 1.6831% | 596 |
| Pretax return on assets | 1.7728% | 893 |
| Return on Equity (ROE) | 17.8283% | 347 |
| Retained earnings to average equity (ytd only) | 10.1347% | 554 |
| Net charge-offs to loans | 0.2602% | 790 |
| Credit loss provision to net charge-offs | 231.6294% | 1,133 |
| Earnings coverage of net charge-offs (x) | 12.4521% | 2,195 |
| Efficiency ratio | 41.4042% | 5,594 |
| Assets per employee ($millions) | 7.1444% | 871 |
| Cash dividends to net income (ytd only)* | 43.1535% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2607% | 395 |
| Loan loss allowance to noncurrent loans | 170.1345% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 1,834 |
| Noncurrent loans to loans | 1.3288% | 1,456 |
| Net loans and leases to total assets | 67.2758% | 2,907 |
| Net loans and leases to deposits | 84.7804% | 2,377 |
| Net loans and leases to core deposits | 89.3632% | 2,584 |
| Total domestic deposits to total assets | 79.3529% | 4,545 |
| Equity capital to assets | 9.9809% | 3,933 |
| Core capital (leverage) ratio | 9.8390% | 3,732 |
| Tier 1 risk-based capital ratio | 13.6060% | 3,635 |
| Total risk-based capital ratio | 14.8672% | 3,552 |
| Memoranda: | ||
| Average total assets | $715,944,330 | 1,032 |
| Average earning assets | $695,507,330 | 991 |
| Average equity | $67,589,330 | 1,183 |
| Average total loans | $481,148,330 | 1,072 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 4,362 |
| Cost of funding earning assets | 0.5998% | 1,374 |
| Net interest margin | 3.0213% | 4,848 |
| Noninterest income to average assets | 0.6048% | 2,390 |
| Noninterest expense to average assets | 1.5316% | 5,612 |
| Loan and lease loss provision to assets | 0.4165% | 265 |
| Net operating income to assets | 1.5750% | 712 |
| Return on assets (ROA) | 1.5755% | 731 |
| Pretax return on assets | 1.5972% | 1,245 |
| Return on Equity (ROE) | 17.1713% | 398 |
| Retained earnings to average equity (ytd only) | 9.3029% | 983 |
| Net charge-offs to loans | 0.0251% | 2,260 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 120.8333% | 451 |
| Efficiency ratio | 43.2085% | 5,620 |
| Assets per employee ($millions) | 7.2533% | 838 |
| Cash dividends to net income (ytd only)* | 45.8231% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 429 |
| Loan loss allowance to noncurrent loans | 166.3158% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 1,901 |
| Noncurrent loans to loans | 1.3641% | 1,476 |
| Net loans and leases to total assets | 66.0677% | 2,958 |
| Net loans and leases to deposits | 82.7114% | 2,430 |
| Net loans and leases to core deposits | 87.8652% | 2,562 |
| Total domestic deposits to total assets | 79.8774% | 4,645 |
| Equity capital to assets | 9.4838% | 4,293 |
| Core capital (leverage) ratio | 9.5717% | 4,030 |
| Tier 1 risk-based capital ratio | 13.3467% | 3,859 |
| Total risk-based capital ratio | 14.6080% | 3,774 |
| Memoranda: | ||
| Average total assets | $720,270,500 | 1,033 |
| Average earning assets | $700,879,000 | 984 |
| Average equity | $66,087,000 | 1,207 |
| Average total loans | $478,301,500 | 1,068 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,454 |
| Cost of funding earning assets | 0.5990% | 1,338 |
| Net interest margin | 3.0238% | 4,906 |
| Noninterest income to average assets | 0.6678% | 2,328 |
| Noninterest expense to average assets | 1.5748% | 5,667 |
| Loan and lease loss provision to assets | 0.5073% | 272 |
| Net operating income to assets | 1.4666% | 892 |
| Return on assets (ROA) | 1.4793% | 891 |
| Pretax return on assets | 1.5458% | 1,445 |
| Return on Equity (ROE) | 15.9882% | 512 |
| Retained earnings to average equity (ytd only) | 7.6118% | 994 |
| Net charge-offs to loans | 0.5429% | 444 |
| Credit loss provision to net charge-offs | 141.2319% | 1,939 |
| Earnings coverage of net charge-offs (x) | 5.6791% | 3,302 |
| Efficiency ratio | 43.5678% | 5,709 |
| Assets per employee ($millions) | 7.3709% | 769 |
| Cash dividends to net income (ytd only)* | 52.3909% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 509 |
| Loan loss allowance to noncurrent loans | 182.1141% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 2,328 |
| Noncurrent loans to loans | 1.1744% | 1,750 |
| Net loans and leases to total assets | 63.8458% | 3,377 |
| Net loans and leases to deposits | 79.0495% | 2,988 |
| Net loans and leases to core deposits | 83.5356% | 3,072 |
| Total domestic deposits to total assets | 80.7669% | 4,400 |
| Equity capital to assets | 8.8747% | 4,941 |
| Core capital (leverage) ratio | 9.1510% | 4,549 |
| Tier 1 risk-based capital ratio | 12.9694% | 4,098 |
| Total risk-based capital ratio | 14.2288% | 3,997 |
| Memoranda: | ||
| Average total assets | $709,661,000 | 1,011 |
| Average earning assets | $691,602,200 | 964 |
| Average equity | $65,660,800 | 1,197 |
| Average total loans | $469,551,400 | 1,027 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 4,421 |
| Cost of funding earning assets | 0.6013% | 1,315 |
| Net interest margin | 3.0445% | 4,916 |
| Noninterest income to average assets | 0.6460% | 2,446 |
| Noninterest expense to average assets | 1.4993% | 5,760 |
| Loan and lease loss provision to assets | 0.4257% | 328 |
| Net operating income to assets | 1.6209% | 701 |
| Return on assets (ROA) | 1.6367% | 712 |
| Pretax return on assets | 1.7052% | 1,105 |
| Return on Equity (ROE) | 17.5046% | 393 |
| Retained earnings to average equity (ytd only) | 8.8029% | 878 |
| Net charge-offs to loans | 0.6502% | 310 |
| Credit loss provision to net charge-offs | 98.5977% | 2,405 |
| Earnings coverage of net charge-offs (x) | 4.8970% | 3,202 |
| Efficiency ratio | 41.4891% | 5,799 |
| Assets per employee ($millions) | 7.3213% | 784 |
| Cash dividends to net income (ytd only)* | 49.7110% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 801 |
| Loan loss allowance to noncurrent loans | 130.9397% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 2,133 |
| Noncurrent loans to loans | 1.4790% | 1,457 |
| Net loans and leases to total assets | 64.2186% | 3,368 |
| Net loans and leases to deposits | 80.8341% | 2,873 |
| Net loans and leases to core deposits | 85.6554% | 2,975 |
| Total domestic deposits to total assets | 79.4450% | 4,628 |
| Equity capital to assets | 9.5648% | 4,594 |
| Core capital (leverage) ratio | 9.1470% | 4,662 |
| Tier 1 risk-based capital ratio | 12.7568% | 4,303 |
| Total risk-based capital ratio | 14.0133% | 4,213 |
| Memoranda: | ||
| Average total assets | $704,645,750 | 1,020 |
| Average earning assets | $686,895,250 | 971 |
| Average equity | $65,885,750 | 1,197 |
| Average total loans | $467,919,500 | 1,032 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 4,469 |
| Cost of funding earning assets | 0.5863% | 1,426 |
| Net interest margin | 3.0566% | 4,957 |
| Noninterest income to average assets | 0.6277% | 2,473 |
| Noninterest expense to average assets | 1.5438% | 5,806 |
| Loan and lease loss provision to assets | 0.4141% | 362 |
| Net operating income to assets | 1.5792% | 758 |
| Return on assets (ROA) | 1.5857% | 790 |
| Pretax return on assets | 1.6557% | 1,207 |
| Return on Equity (ROE) | 17.0934% | 432 |
| Retained earnings to average equity (ytd only) | 8.1666% | 1,116 |
| Net charge-offs to loans | 0.3544% | 662 |
| Credit loss provision to net charge-offs | 175.1208% | 1,430 |
| Earnings coverage of net charge-offs (x) | 8.7246% | 2,495 |
| Efficiency ratio | 42.8029% | 5,847 |
| Assets per employee ($millions) | 7.2140% | 802 |
| Cash dividends to net income (ytd only)* | 52.2240% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 663 |
| Loan loss allowance to noncurrent loans | 272.3541% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,518 |
| Noncurrent loans to loans | 0.7560% | 2,851 |
| Net loans and leases to total assets | 65.6240% | 3,135 |
| Net loans and leases to deposits | 83.2467% | 2,552 |
| Net loans and leases to core deposits | 88.8331% | 2,656 |
| Total domestic deposits to total assets | 78.8307% | 4,821 |
| Equity capital to assets | 9.5592% | 4,706 |
| Core capital (leverage) ratio | 9.1833% | 4,619 |
| Tier 1 risk-based capital ratio | 12.3840% | 4,606 |
| Total risk-based capital ratio | 13.6420% | 4,513 |
| Memoranda: | ||
| Average total assets | $700,366,000 | 1,029 |
| Average earning assets | $682,580,000 | 976 |
| Average equity | $64,972,330 | 1,213 |
| Average total loans | $467,273,330 | 1,029 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 4,450 |
| Cost of funding earning assets | 0.5869% | 1,432 |
| Net interest margin | 3.0736% | 4,942 |
| Noninterest income to average assets | 0.6037% | 2,508 |
| Noninterest expense to average assets | 1.4960% | 5,915 |
| Loan and lease loss provision to assets | 0.4304% | 306 |
| Net operating income to assets | 1.6549% | 630 |
| Return on assets (ROA) | 1.6549% | 670 |
| Pretax return on assets | 1.6704% | 1,131 |
| Return on Equity (ROE) | 18.1190% | 344 |
| Retained earnings to average equity (ytd only) | 8.6951% | 1,199 |
| Net charge-offs to loans | 1.1792% | 154 |
| Credit loss provision to net charge-offs | 54.8246% | 2,013 |
| Earnings coverage of net charge-offs (x) | 2.6762% | 2,650 |
| Efficiency ratio | 41.5922% | 5,933 |
| Assets per employee ($millions) | 7.4496% | 722 |
| Cash dividends to net income (ytd only)* | 52.0111% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 1,097 |
| Loan loss allowance to noncurrent loans | 310.5801% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 3,958 |
| Noncurrent loans to loans | 0.5889% | 3,423 |
| Net loans and leases to total assets | 65.9582% | 2,954 |
| Net loans and leases to deposits | 83.5358% | 2,361 |
| Net loans and leases to core deposits | 89.2142% | 2,443 |
| Total domestic deposits to total assets | 78.9580% | 4,973 |
| Equity capital to assets | 9.3821% | 4,791 |
| Core capital (leverage) ratio | 9.0051% | 4,850 |
| Tier 1 risk-based capital ratio | 12.2676% | 4,740 |
| Total risk-based capital ratio | 13.5229% | 4,641 |
| Memoranda: | ||
| Average total assets | $697,062,500 | 1,030 |
| Average earning assets | $678,822,500 | 979 |
| Average equity | $63,668,000 | 1,231 |
| Average total loans | $464,061,500 | 1,037 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,882 |
| Cost of funding earning assets | 0.5773% | 1,526 |
| Net interest margin | 3.2729% | 4,405 |
| Noninterest income to average assets | 0.7351% | 2,043 |
| Noninterest expense to average assets | 1.7939% | 5,748 |
| Loan and lease loss provision to assets | 0.3828% | 371 |
| Net operating income to assets | 1.6475% | 635 |
| Return on assets (ROA) | 1.6475% | 657 |
| Pretax return on assets | 1.7338% | 924 |
| Return on Equity (ROE) | 17.1597% | 442 |
| Retained earnings to average equity (ytd only) | 8.5217% | 770 |
| Net charge-offs to loans | 0.2106% | 1,394 |
| Credit loss provision to net charge-offs | 264.6086% | 1,092 |
| Earnings coverage of net charge-offs (x) | 14.6318% | 2,276 |
| Efficiency ratio | 45.8746% | 5,929 |
| Assets per employee ($millions) | 6.8756% | 930 |
| Cash dividends to net income (ytd only)* | 50.3388% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 838 |
| Loan loss allowance to noncurrent loans | 356.1232% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 4,082 |
| Noncurrent loans to loans | 0.5542% | 3,508 |
| Net loans and leases to total assets | 64.6662% | 3,171 |
| Net loans and leases to deposits | 82.9167% | 2,485 |
| Net loans and leases to core deposits | 84.9110% | 2,890 |
| Total domestic deposits to total assets | 77.9893% | 5,167 |
| Equity capital to assets | 8.8885% | 5,233 |
| Core capital (leverage) ratio | 9.0624% | 4,804 |
| Tier 1 risk-based capital ratio | 11.9785% | 4,960 |
| Total risk-based capital ratio | 13.2353% | 4,860 |
| Memoranda: | ||
| Average total assets | $627,011,400 | 1,090 |
| Average earning assets | $608,326,000 | 1,031 |
| Average equity | $60,199,200 | 1,258 |
| Average total loans | $430,650,400 | 1,066 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,350 |
| Cost of funding earning assets | 0.5840% | 1,513 |
| Net interest margin | 3.1401% | 4,841 |
| Noninterest income to average assets | 0.7683% | 1,938 |
| Noninterest expense to average assets | 1.7193% | 5,882 |
| Loan and lease loss provision to assets | 0.2958% | 503 |
| Net operating income to assets | 1.7022% | 623 |
| Return on assets (ROA) | 1.7022% | 645 |
| Pretax return on assets | 1.7965% | 908 |
| Return on Equity (ROE) | 17.3587% | 443 |
| Retained earnings to average equity (ytd only) | 8.6436% | 1,022 |
| Net charge-offs to loans | 0.0590% | 2,761 |
| Credit loss provision to net charge-offs | 721.9251% | 483 |
| Earnings coverage of net charge-offs (x) | 51.0582% | 1,027 |
| Efficiency ratio | 45.1075% | 5,997 |
| Assets per employee ($millions) | 7.0991% | 831 |
| Cash dividends to net income (ytd only)* | 50.2060% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 907 |
| Loan loss allowance to noncurrent loans | 390.8082% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 4,330 |
| Noncurrent loans to loans | 0.5137% | 3,811 |
| Net loans and leases to total assets | 65.0698% | 3,142 |
| Net loans and leases to deposits | 85.3686% | 2,226 |
| Net loans and leases to core deposits | 87.8789% | 2,671 |
| Total domestic deposits to total assets | 76.2221% | 5,455 |
| Equity capital to assets | 9.4037% | 4,876 |
| Core capital (leverage) ratio | 9.2288% | 4,692 |
| Tier 1 risk-based capital ratio | 12.8432% | 4,527 |
| Total risk-based capital ratio | 14.1012% | 4,436 |
| Memoranda: | ||
| Average total assets | $608,435,750 | 1,125 |
| Average earning assets | $589,688,250 | 1,069 |
| Average equity | $59,665,000 | 1,278 |
| Average total loans | $422,652,000 | 1,083 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,246 |
| Cost of funding earning assets | 0.5836% | 1,537 |
| Net interest margin | 3.1637% | 4,775 |
| Noninterest income to average assets | 0.7510% | 1,985 |
| Noninterest expense to average assets | 1.8042% | 5,843 |
| Loan and lease loss provision to assets | 0.2368% | 769 |
| Net operating income to assets | 1.6628% | 669 |
| Return on assets (ROA) | 1.6628% | 695 |
| Pretax return on assets | 1.7707% | 938 |
| Return on Equity (ROE) | 16.7011% | 529 |
| Retained earnings to average equity (ytd only) | 7.8663% | 1,319 |
| Net charge-offs to loans | 0.0853% | 2,187 |
| Credit loss provision to net charge-offs | 393.2584% | 756 |
| Earnings coverage of net charge-offs (x) | 33.3371% | 1,277 |
| Efficiency ratio | 47.3329% | 5,994 |
| Assets per employee ($millions) | 6.8265% | 904 |
| Cash dividends to net income (ytd only)* | 52.8993% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 1,236 |
| Loan loss allowance to noncurrent loans | 401.5748% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 4,483 |
| Noncurrent loans to loans | 0.4646% | 4,090 |
| Net loans and leases to total assets | 69.0922% | 2,470 |
| Net loans and leases to deposits | 91.1475% | 1,466 |
| Net loans and leases to core deposits | 93.9997% | 1,956 |
| Total domestic deposits to total assets | 75.8027% | 5,619 |
| Equity capital to assets | 9.6184% | 4,508 |
| Core capital (leverage) ratio | 9.7325% | 3,961 |
| Tier 1 risk-based capital ratio | 12.6914% | 4,688 |
| Total risk-based capital ratio | 13.9479% | 4,609 |
| Memoranda: | ||
| Average total assets | $591,174,670 | 1,161 |
| Average earning assets | $571,926,670 | 1,104 |
| Average equity | $58,858,330 | 1,295 |
| Average total loans | $417,401,330 | 1,098 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,254 |
| Cost of funding earning assets | 0.5903% | 1,503 |
| Net interest margin | 3.1428% | 4,812 |
| Noninterest income to average assets | 0.6616% | 2,354 |
| Noninterest expense to average assets | 1.6940% | 6,019 |
| Loan and lease loss provision to assets | 0.1562% | 1,302 |
| Net operating income to assets | 1.8460% | 445 |
| Return on assets (ROA) | 1.8460% | 473 |
| Pretax return on assets | 1.8460% | 800 |
| Return on Equity (ROE) | 18.2086% | 371 |
| Retained earnings to average equity (ytd only) | 9.3063% | 1,100 |
| Net charge-offs to loans | -0.0059% | 4,543 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8302% | 6,110 |
| Assets per employee ($millions) | 6.2741% | 1,207 |
| Cash dividends to net income (ytd only)* | 48.8906% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 1,260 |
| Loan loss allowance to noncurrent loans | 281.1361% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 4,058 |
| Noncurrent loans to loans | 0.6803% | 3,578 |
| Net loans and leases to total assets | 68.4270% | 2,378 |
| Net loans and leases to deposits | 87.9054% | 1,618 |
| Net loans and leases to core deposits | 90.4354% | 2,089 |
| Total domestic deposits to total assets | 77.8416% | 5,479 |
| Equity capital to assets | 10.0795% | 4,048 |
| Core capital (leverage) ratio | 10.1060% | 3,465 |
| Tier 1 risk-based capital ratio | 12.6799% | 4,794 |
| Total risk-based capital ratio | 13.9361% | 4,712 |
| Memoranda: | ||
| Average total assets | $576,155,500 | 1,195 |
| Average earning assets | $556,323,500 | 1,136 |
| Average equity | $58,412,000 | 1,309 |
| Average total loans | $407,417,000 | 1,128 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 2,925 |
| Cost of funding earning assets | 0.6562% | 1,369 |
| Net interest margin | 3.5524% | 3,592 |
| Noninterest income to average assets | 0.9243% | 1,427 |
| Noninterest expense to average assets | 2.1279% | 5,511 |
| Loan and lease loss provision to assets | 0.3337% | 581 |
| Net operating income to assets | 1.8302% | 450 |
| Return on assets (ROA) | 1.8317% | 465 |
| Pretax return on assets | 1.8774% | 672 |
| Return on Equity (ROE) | 16.9456% | 498 |
| Retained earnings to average equity (ytd only) | 8.2806% | 919 |
| Net charge-offs to loans | 0.1303% | 2,711 |
| Credit loss provision to net charge-offs | 356.2500% | 737 |
| Earnings coverage of net charge-offs (x) | 23.5896% | 1,575 |
| Efficiency ratio | 49.0597% | 6,139 |
| Assets per employee ($millions) | 6.0489% | 1,343 |
| Cash dividends to net income (ytd only)* | 51.1345% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 1,332 |
| Loan loss allowance to noncurrent loans | 587.9908% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 5,028 |
| Noncurrent loans to loans | 0.3220% | 4,688 |
| Net loans and leases to total assets | 70.3531% | 2,182 |
| Net loans and leases to deposits | 87.2975% | 1,815 |
| Net loans and leases to core deposits | 89.8605% | 2,299 |
| Total domestic deposits to total assets | 80.5901% | 4,862 |
| Equity capital to assets | 10.1998% | 3,853 |
| Core capital (leverage) ratio | 10.3777% | 3,081 |
| Tier 1 risk-based capital ratio | 13.1633% | 4,613 |
| Total risk-based capital ratio | 14.4202% | 4,539 |
| Memoranda: | ||
| Average total assets | $512,474,200 | 1,308 |
| Average earning assets | $492,365,200 | 1,246 |
| Average equity | $55,394,800 | 1,317 |
| Average total loans | $368,424,200 | 1,197 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,770 |
| Cost of funding earning assets | 0.6608% | 1,384 |
| Net interest margin | 3.6007% | 3,425 |
| Noninterest income to average assets | 0.9774% | 1,288 |
| Noninterest expense to average assets | 1.9660% | 5,827 |
| Loan and lease loss provision to assets | 0.3680% | 477 |
| Net operating income to assets | 2.0703% | 301 |
| Return on assets (ROA) | 2.0724% | 311 |
| Pretax return on assets | 2.1097% | 443 |
| Return on Equity (ROE) | 18.8731% | 363 |
| Retained earnings to average equity (ytd only) | 10.3728% | 620 |
| Net charge-offs to loans | 0.1379% | 2,418 |
| Credit loss provision to net charge-offs | 370.9677% | 760 |
| Earnings coverage of net charge-offs (x) | 24.9542% | 1,521 |
| Efficiency ratio | 44.2630% | 6,353 |
| Assets per employee ($millions) | 5.4715% | 1,753 |
| Cash dividends to net income (ytd only)* | 45.0393% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 1,369 |
| Loan loss allowance to noncurrent loans | 397.4277% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,756 |
| Noncurrent loans to loans | 0.4886% | 4,448 |
| Net loans and leases to total assets | 72.8190% | 1,710 |
| Net loans and leases to deposits | 89.8997% | 1,437 |
| Net loans and leases to core deposits | 92.3296% | 2,006 |
| Total domestic deposits to total assets | 81.0003% | 4,824 |
| Equity capital to assets | 11.1452% | 2,823 |
| Core capital (leverage) ratio | 11.1194% | 2,378 |
| Tier 1 risk-based capital ratio | 14.0058% | 4,211 |
| Total risk-based capital ratio | 15.2634% | 4,142 |
| Memoranda: | ||
| Average total assets | $499,955,750 | 1,349 |
| Average earning assets | $480,999,250 | 1,287 |
| Average equity | $54,898,750 | 1,334 |
| Average total loans | $359,678,250 | 1,236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,850 |
| Cost of funding earning assets | 0.6590% | 1,443 |
| Net interest margin | 3.5696% | 3,487 |
| Noninterest income to average assets | 0.9484% | 1,335 |
| Noninterest expense to average assets | 2.0062% | 5,832 |
| Loan and lease loss provision to assets | 0.3352% | 553 |
| Net operating income to assets | 2.0095% | 329 |
| Return on assets (ROA) | 2.0127% | 343 |
| Pretax return on assets | 2.0365% | 514 |
| Return on Equity (ROE) | 18.4245% | 420 |
| Retained earnings to average equity (ytd only) | 9.9203% | 730 |
| Net charge-offs to loans | 0.0352% | 3,507 |
| Credit loss provision to net charge-offs | 1,338.7097% | 266 |
| Earnings coverage of net charge-offs (x) | 94.5806% | 576 |
| Efficiency ratio | 45.8591% | 6,370 |
| Assets per employee ($millions) | 5.4425% | 1,746 |
| Cash dividends to net income (ytd only)* | 46.1569% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 1,452 |
| Loan loss allowance to noncurrent loans | 363.1579% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 4,811 |
| Noncurrent loans to loans | 0.5378% | 4,395 |
| Net loans and leases to total assets | 71.1781% | 1,889 |
| Net loans and leases to deposits | 89.0027% | 1,478 |
| Net loans and leases to core deposits | 91.3443% | 1,993 |
| Total domestic deposits to total assets | 79.9730% | 5,241 |
| Equity capital to assets | 11.0379% | 2,835 |
| Core capital (leverage) ratio | 10.9157% | 2,512 |
| Tier 1 risk-based capital ratio | 14.1544% | 4,148 |
| Total risk-based capital ratio | 15.4122% | 4,084 |
| Memoranda: | ||
| Average total assets | $495,168,000 | 1,356 |
| Average earning assets | $475,293,000 | 1,296 |
| Average equity | $54,091,000 | 1,341 |
| Average total loans | $352,258,330 | 1,251 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,286 |
| Cost of funding earning assets | 0.6806% | 1,358 |
| Net interest margin | 3.4193% | 4,027 |
| Noninterest income to average assets | 0.7695% | 1,874 |
| Noninterest expense to average assets | 1.9482% | 5,983 |
| Loan and lease loss provision to assets | 0.2042% | 1,135 |
| Net operating income to assets | 1.9000% | 393 |
| Return on assets (ROA) | 1.9000% | 412 |
| Pretax return on assets | 1.9000% | 648 |
| Return on Equity (ROE) | 17.4881% | 488 |
| Retained earnings to average equity (ytd only) | 9.2177% | 1,188 |
| Net charge-offs to loans | 0.0290% | 3,001 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 103.0400% | 444 |
| Efficiency ratio | 48.0750% | 6,352 |
| Assets per employee ($millions) | 5.1157% | 2,109 |
| Cash dividends to net income (ytd only)* | 47.2915% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 1,685 |
| Loan loss allowance to noncurrent loans | 339.6055% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 4,811 |
| Noncurrent loans to loans | 0.5667% | 4,460 |
| Net loans and leases to total assets | 68.9462% | 2,067 |
| Net loans and leases to deposits | 82.9322% | 1,956 |
| Net loans and leases to core deposits | 85.1685% | 2,402 |
| Total domestic deposits to total assets | 83.1356% | 4,559 |
| Equity capital to assets | 10.8687% | 2,855 |
| Core capital (leverage) ratio | 10.8639% | 2,531 |
| Tier 1 risk-based capital ratio | 14.0603% | 4,290 |
| Total risk-based capital ratio | 15.2812% | 4,250 |
| Memoranda: | ||
| Average total assets | $489,673,500 | 1,379 |
| Average earning assets | $470,157,500 | 1,313 |
| Average equity | $53,202,000 | 1,369 |
| Average total loans | $344,663,000 | 1,272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 3,220 |
| Cost of funding earning assets | 0.7863% | 1,284 |
| Net interest margin | 3.4468% | 4,106 |
| Noninterest income to average assets | 0.9507% | 1,523 |
| Noninterest expense to average assets | 2.1819% | 5,675 |
| Loan and lease loss provision to assets | 0.3368% | 953 |
| Net operating income to assets | 1.6318% | 650 |
| Return on assets (ROA) | 1.6318% | 667 |
| Pretax return on assets | 1.7337% | 889 |
| Return on Equity (ROE) | 14.6507% | 822 |
| Retained earnings to average equity (ytd only) | 6.9661% | 1,446 |
| Net charge-offs to loans | 0.1025% | 3,805 |
| Credit loss provision to net charge-offs | 481.3456% | 480 |
| Earnings coverage of net charge-offs (x) | 29.5902% | 1,201 |
| Efficiency ratio | 51.3108% | 6,345 |
| Assets per employee ($millions) | 4.9807% | 2,199 |
| Cash dividends to net income (ytd only)* | 52.4521% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 1,770 |
| Loan loss allowance to noncurrent loans | 204.1208% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 4,246 |
| Noncurrent loans to loans | 0.9337% | 3,657 |
| Net loans and leases to total assets | 69.1326% | 2,152 |
| Net loans and leases to deposits | 80.7725% | 2,350 |
| Net loans and leases to core deposits | 82.8784% | 2,789 |
| Total domestic deposits to total assets | 85.5892% | 3,464 |
| Equity capital to assets | 10.8608% | 2,749 |
| Core capital (leverage) ratio | 10.8797% | 2,499 |
| Tier 1 risk-based capital ratio | 14.1910% | 4,162 |
| Total risk-based capital ratio | 15.4476% | 4,100 |
| Memoranda: | ||
| Average total assets | $467,334,800 | 1,414 |
| Average earning assets | $447,668,000 | 1,355 |
| Average equity | $52,052,200 | 1,363 |
| Average total loans | $319,059,200 | 1,333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 3,290 |
| Cost of funding earning assets | 0.8021% | 1,310 |
| Net interest margin | 3.4235% | 4,193 |
| Noninterest income to average assets | 0.9463% | 1,616 |
| Noninterest expense to average assets | 2.0072% | 5,999 |
| Loan and lease loss provision to assets | 0.3323% | 994 |
| Net operating income to assets | 1.8222% | 500 |
| Return on assets (ROA) | 1.8222% | 519 |
| Pretax return on assets | 1.8843% | 730 |
| Return on Equity (ROE) | 16.2545% | 615 |
| Retained earnings to average equity (ytd only) | 8.5546% | 1,210 |
| Net charge-offs to loans | 0.1143% | 3,403 |
| Credit loss provision to net charge-offs | 429.3680% | 612 |
| Earnings coverage of net charge-offs (x) | 28.6392% | 1,275 |
| Efficiency ratio | 47.5204% | 6,522 |
| Assets per employee ($millions) | 4.7951% | 2,448 |
| Cash dividends to net income (ytd only)* | 47.3709% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 1,981 |
| Loan loss allowance to noncurrent loans | 207.6584% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 4,264 |
| Noncurrent loans to loans | 0.9189% | 3,980 |
| Net loans and leases to total assets | 67.7237% | 2,333 |
| Net loans and leases to deposits | 79.9361% | 2,417 |
| Net loans and leases to core deposits | 82.6401% | 2,815 |
| Total domestic deposits to total assets | 84.7222% | 3,871 |
| Equity capital to assets | 11.3244% | 2,452 |
| Core capital (leverage) ratio | 11.1527% | 2,339 |
| Tier 1 risk-based capital ratio | 15.0683% | 3,707 |
| Total risk-based capital ratio | 16.3250% | 3,654 |
| Memoranda: | ||
| Average total assets | $463,387,500 | 1,432 |
| Average earning assets | $443,630,750 | 1,380 |
| Average equity | $51,947,500 | 1,378 |
| Average total loans | $313,702,750 | 1,355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,211 |
| Cost of funding earning assets | 0.8214% | 1,300 |
| Net interest margin | 3.4137% | 4,142 |
| Noninterest income to average assets | 0.9546% | 1,639 |
| Noninterest expense to average assets | 2.0285% | 5,992 |
| Loan and lease loss provision to assets | 0.3695% | 886 |
| Net operating income to assets | 1.7727% | 548 |
| Return on assets (ROA) | 1.7727% | 587 |
| Pretax return on assets | 1.8254% | 881 |
| Return on Equity (ROE) | 15.8667% | 684 |
| Retained earnings to average equity (ytd only) | 8.1306% | 1,430 |
| Net charge-offs to loans | 0.1716% | 2,751 |
| Credit loss provision to net charge-offs | 320.2247% | 811 |
| Earnings coverage of net charge-offs (x) | 19.0225% | 1,523 |
| Efficiency ratio | 48.0303% | 6,531 |
| Assets per employee ($millions) | 4.9405% | 2,175 |
| Cash dividends to net income (ytd only)* | 48.7567% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 2,283 |
| Loan loss allowance to noncurrent loans | 161.1388% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 4,017 |
| Noncurrent loans to loans | 1.1431% | 3,637 |
| Net loans and leases to total assets | 67.6179% | 2,319 |
| Net loans and leases to deposits | 80.5694% | 2,242 |
| Net loans and leases to core deposits | 83.3520% | 2,648 |
| Total domestic deposits to total assets | 83.9251% | 4,352 |
| Equity capital to assets | 11.0726% | 2,685 |
| Core capital (leverage) ratio | 10.8462% | 2,505 |
| Tier 1 risk-based capital ratio | 14.8991% | 3,840 |
| Total risk-based capital ratio | 16.1549% | 3,806 |
| Memoranda: | ||
| Average total assets | $462,807,670 | 1,435 |
| Average earning assets | $443,151,000 | 1,378 |
| Average equity | $51,705,670 | 1,390 |
| Average total loans | $311,227,330 | 1,362 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 3,519 |
| Cost of funding earning assets | 0.8262% | 1,390 |
| Net interest margin | 3.3227% | 4,433 |
| Noninterest income to average assets | 0.7880% | 2,173 |
| Noninterest expense to average assets | 1.8722% | 6,323 |
| Loan and lease loss provision to assets | 0.3875% | 810 |
| Net operating income to assets | 1.7077% | 574 |
| Return on assets (ROA) | 1.7077% | 634 |
| Pretax return on assets | 1.7077% | 1,055 |
| Return on Equity (ROE) | 15.2184% | 715 |
| Retained earnings to average equity (ytd only) | 15.2184% | 335 |
| Net charge-offs to loans | 0.0285% | 3,626 |
| Credit loss provision to net charge-offs | 2,045.4545% | 167 |
| Earnings coverage of net charge-offs (x) | 110.5909% | 346 |
| Efficiency ratio | 47.1891% | 6,646 |
| Assets per employee ($millions) | 4.9846% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,555 |
| Loan loss allowance to noncurrent loans | 138.1916% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 3,763 |
| Noncurrent loans to loans | 1.3159% | 3,587 |
| Net loans and leases to total assets | 66.0363% | 2,362 |
| Net loans and leases to deposits | 78.5123% | 2,268 |
| Net loans and leases to core deposits | 81.8518% | 2,589 |
| Total domestic deposits to total assets | 84.1095% | 4,426 |
| Equity capital to assets | 11.4340% | 2,476 |
| Core capital (leverage) ratio | 10.9093% | 2,344 |
| Tier 1 risk-based capital ratio | 15.1447% | 3,742 |
| Total risk-based capital ratio | 16.4003% | 3,692 |
| Memoranda: | ||
| Average total assets | $464,478,000 | 1,441 |
| Average earning assets | $444,456,000 | 1,388 |
| Average equity | $52,121,000 | 1,400 |
| Average total loans | $308,585,000 | 1,377 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 3,379 |
| Cost of funding earning assets | 0.9670% | 1,544 |
| Net interest margin | 3.5358% | 4,354 |
| Noninterest income to average assets | 0.9065% | 1,841 |
| Noninterest expense to average assets | 2.2506% | 5,813 |
| Loan and lease loss provision to assets | 0.3001% | 2,277 |
| Net operating income to assets | 1.6293% | 718 |
| Return on assets (ROA) | 1.6384% | 781 |
| Pretax return on assets | 1.7453% | 1,028 |
| Return on Equity (ROE) | 14.8147% | 843 |
| Retained earnings to average equity (ytd only) | 7.9504% | 1,140 |
| Net charge-offs to loans | 0.1607% | 4,098 |
| Credit loss provision to net charge-offs | 286.5672% | 851 |
| Earnings coverage of net charge-offs (x) | 19.4414% | 1,384 |
| Efficiency ratio | 52.5055% | 6,420 |
| Assets per employee ($millions) | 5.0586% | 2,152 |
| Cash dividends to net income (ytd only)* | 46.3342% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 2,873 |
| Loan loss allowance to noncurrent loans | 88.6671% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 3,146 |
| Noncurrent loans to loans | 1.9360% | 2,764 |
| Net loans and leases to total assets | 64.4914% | 2,813 |
| Net loans and leases to deposits | 76.3348% | 2,745 |
| Net loans and leases to core deposits | 79.3757% | 3,091 |
| Total domestic deposits to total assets | 84.4849% | 4,089 |
| Equity capital to assets | 11.0097% | 2,939 |
| Core capital (leverage) ratio | 10.8073% | 2,435 |
| Tier 1 risk-based capital ratio | 14.9272% | 3,759 |
| Total risk-based capital ratio | 16.1820% | 3,708 |
| Memoranda: | ||
| Average total assets | $447,888,600 | 1,475 |
| Average earning assets | $428,137,600 | 1,412 |
| Average equity | $49,532,000 | 1,431 |
| Average total loans | $291,769,800 | 1,438 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 3,378 |
| Cost of funding earning assets | 0.9983% | 1,569 |
| Net interest margin | 3.5633% | 4,383 |
| Noninterest income to average assets | 0.9202% | 1,764 |
| Noninterest expense to average assets | 2.0617% | 6,243 |
| Loan and lease loss provision to assets | 0.2781% | 2,344 |
| Net operating income to assets | 1.8737% | 489 |
| Return on assets (ROA) | 1.8858% | 546 |
| Pretax return on assets | 2.0058% | 696 |
| Return on Equity (ROE) | 17.0323% | 607 |
| Retained earnings to average equity (ytd only) | 10.2444% | 852 |
| Net charge-offs to loans | 0.0758% | 4,648 |
| Credit loss provision to net charge-offs | 564.0244% | 463 |
| Earnings coverage of net charge-offs (x) | 46.0612% | 795 |
| Efficiency ratio | 47.5853% | 6,742 |
| Assets per employee ($millions) | 4.7303% | 2,562 |
| Cash dividends to net income (ytd only)* | 39.8533% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 2,908 |
| Loan loss allowance to noncurrent loans | 86.2719% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7835% | 2,938 |
| Noncurrent loans to loans | 2.0481% | 2,794 |
| Net loans and leases to total assets | 64.8065% | 2,879 |
| Net loans and leases to deposits | 77.6625% | 2,710 |
| Net loans and leases to core deposits | 81.2522% | 3,055 |
| Total domestic deposits to total assets | 83.4463% | 4,460 |
| Equity capital to assets | 11.6974% | 2,536 |
| Core capital (leverage) ratio | 10.9480% | 2,447 |
| Tier 1 risk-based capital ratio | 15.6539% | 3,453 |
| Total risk-based capital ratio | 16.9091% | 3,415 |
| Memoranda: | ||
| Average total assets | $443,513,000 | 1,500 |
| Average earning assets | $424,727,000 | 1,436 |
| Average equity | $49,105,500 | 1,451 |
| Average total loans | $288,367,500 | 1,464 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 3,416 |
| Cost of funding earning assets | 1.0241% | 1,616 |
| Net interest margin | 3.5654% | 4,396 |
| Noninterest income to average assets | 0.9022% | 1,780 |
| Noninterest expense to average assets | 2.0467% | 6,341 |
| Loan and lease loss provision to assets | 0.3261% | 2,017 |
| Net operating income to assets | 1.8025% | 562 |
| Return on assets (ROA) | 1.8205% | 613 |
| Pretax return on assets | 1.9635% | 737 |
| Return on Equity (ROE) | 16.7546% | 672 |
| Retained earnings to average equity (ytd only) | 10.1322% | 943 |
| Net charge-offs to loans | 0.0132% | 5,261 |
| Credit loss provision to net charge-offs | 3,815.7895% | 71 |
| Earnings coverage of net charge-offs (x) | 265.6842% | 161 |
| Efficiency ratio | 47.4112% | 6,809 |
| Assets per employee ($millions) | 4.7803% | 2,465 |
| Cash dividends to net income (ytd only)* | 39.5257% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 3,072 |
| Loan loss allowance to noncurrent loans | 85.7215% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 3,068 |
| Noncurrent loans to loans | 2.0299% | 2,912 |
| Net loans and leases to total assets | 64.4390% | 2,948 |
| Net loans and leases to deposits | 79.8893% | 2,399 |
| Net loans and leases to core deposits | 83.7908% | 2,718 |
| Total domestic deposits to total assets | 80.6603% | 5,570 |
| Equity capital to assets | 11.1744% | 2,923 |
| Core capital (leverage) ratio | 10.3165% | 3,027 |
| Tier 1 risk-based capital ratio | 15.3281% | 3,557 |
| Total risk-based capital ratio | 16.5832% | 3,514 |
| Memoranda: | ||
| Average total assets | $444,711,000 | 1,501 |
| Average earning assets | $425,929,000 | 1,435 |
| Average equity | $48,321,000 | 1,460 |
| Average total loans | $287,748,670 | 1,471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 3,585 |
| Cost of funding earning assets | 1.0461% | 1,704 |
| Net interest margin | 3.5357% | 4,541 |
| Noninterest income to average assets | 0.8463% | 1,962 |
| Noninterest expense to average assets | 1.8526% | 6,733 |
| Loan and lease loss provision to assets | 0.4047% | 1,564 |
| Net operating income to assets | 1.9749% | 439 |
| Return on assets (ROA) | 1.9776% | 502 |
| Pretax return on assets | 1.9776% | 765 |
| Return on Equity (ROE) | 18.4625% | 496 |
| Retained earnings to average equity (ytd only) | 11.7458% | 866 |
| Net charge-offs to loans | -0.0098% | 5,937 |
| Credit loss provision to net charge-offs | -6,428.5714% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7739% | 6,999 |
| Assets per employee ($millions) | 4.8404% | 2,457 |
| Cash dividends to net income (ytd only)* | 36.3802% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 3,357 |
| Loan loss allowance to noncurrent loans | 101.9227% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 3,590 |
| Noncurrent loans to loans | 1.6669% | 3,601 |
| Net loans and leases to total assets | 62.6797% | 3,128 |
| Net loans and leases to deposits | 75.4090% | 2,901 |
| Net loans and leases to core deposits | 78.4888% | 3,263 |
| Total domestic deposits to total assets | 83.1196% | 4,877 |
| Equity capital to assets | 10.8294% | 3,108 |
| Core capital (leverage) ratio | 10.2773% | 3,022 |
| Tier 1 risk-based capital ratio | 15.1008% | 3,692 |
| Total risk-based capital ratio | 16.3551% | 3,648 |
| Memoranda: | ||
| Average total assets | $444,782,500 | 1,496 |
| Average earning assets | $425,943,500 | 1,440 |
| Average equity | $47,642,500 | 1,470 |
| Average total loans | $285,849,000 | 1,484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 3,045 |
| Cost of funding earning assets | 1.2147% | 1,934 |
| Net interest margin | 3.7512% | 4,073 |
| Noninterest income to average assets | 0.6806% | 2,722 |
| Noninterest expense to average assets | 2.2079% | 6,251 |
| Loan and lease loss provision to assets | 0.3966% | 2,613 |
| Net operating income to assets | 1.5797% | 698 |
| Return on assets (ROA) | 1.5839% | 751 |
| Pretax return on assets | 1.6554% | 1,092 |
| Return on Equity (ROE) | 14.7306% | 793 |
| Retained earnings to average equity (ytd only) | 8.6834% | 885 |
| Net charge-offs to loans | 0.1509% | 4,933 |
| Credit loss provision to net charge-offs | 402.6895% | 569 |
| Earnings coverage of net charge-offs (x) | 20.7897% | 1,120 |
| Efficiency ratio | 51.8816% | 6,710 |
| Assets per employee ($millions) | 4.8288% | 2,411 |
| Cash dividends to net income (ytd only)* | 41.0522% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,945 |
| Loan loss allowance to noncurrent loans | 125.3085% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 4,137 |
| Noncurrent loans to loans | 1.2111% | 4,345 |
| Net loans and leases to total assets | 63.7895% | 3,237 |
| Net loans and leases to deposits | 76.3615% | 3,120 |
| Net loans and leases to core deposits | 79.9621% | 3,453 |
| Total domestic deposits to total assets | 83.5363% | 4,523 |
| Equity capital to assets | 10.5931% | 3,424 |
| Core capital (leverage) ratio | 10.4298% | 2,810 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,776 |
| Total risk-based capital ratio | 16.0329% | 3,749 |
| Memoranda: | ||
| Average total assets | $415,240,200 | 1,567 |
| Average earning assets | $395,744,000 | 1,505 |
| Average equity | $44,648,600 | 1,519 |
| Average total loans | $271,024,800 | 1,562 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0359% | 2,910 |
| Cost of funding earning assets | 1.2633% | 1,912 |
| Net interest margin | 3.7726% | 3,999 |
| Noninterest income to average assets | 0.7405% | 2,365 |
| Noninterest expense to average assets | 2.0565% | 6,580 |
| Loan and lease loss provision to assets | 0.3595% | 2,710 |
| Net operating income to assets | 1.8339% | 485 |
| Return on assets (ROA) | 1.8396% | 519 |
| Pretax return on assets | 1.9229% | 739 |
| Return on Equity (ROE) | 17.0394% | 562 |
| Retained earnings to average equity (ytd only) | 11.2880% | 581 |
| Net charge-offs to loans | 0.1484% | 4,583 |
| Credit loss provision to net charge-offs | 370.3704% | 771 |
| Earnings coverage of net charge-offs (x) | 23.4546% | 1,114 |
| Efficiency ratio | 47.4621% | 6,988 |
| Assets per employee ($millions) | 4.7274% | 2,589 |
| Cash dividends to net income (ytd only)* | 33.7538% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 4,383 |
| Loan loss allowance to noncurrent loans | 74.9238% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.8151% | 3,374 |
| Noncurrent loans to loans | 1.9196% | 3,474 |
| Net loans and leases to total assets | 65.5179% | 2,999 |
| Net loans and leases to deposits | 79.8865% | 2,669 |
| Net loans and leases to core deposits | 83.8390% | 3,084 |
| Total domestic deposits to total assets | 82.0137% | 5,083 |
| Equity capital to assets | 11.4734% | 2,706 |
| Core capital (leverage) ratio | 10.7416% | 2,626 |
| Tier 1 risk-based capital ratio | 15.6119% | 3,327 |
| Total risk-based capital ratio | 16.8638% | 3,291 |
| Memoranda: | ||
| Average total assets | $407,987,750 | 1,598 |
| Average earning assets | $388,508,750 | 1,535 |
| Average equity | $44,045,750 | 1,543 |
| Average total loans | $266,843,000 | 1,592 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 3,309 |
| Cost of funding earning assets | 1.2848% | 2,038 |
| Net interest margin | 3.6860% | 4,333 |
| Noninterest income to average assets | 0.7776% | 2,120 |
| Noninterest expense to average assets | 2.0502% | 6,691 |
| Loan and lease loss provision to assets | 0.3686% | 2,584 |
| Net operating income to assets | 1.7700% | 533 |
| Return on assets (ROA) | 1.7784% | 562 |
| Pretax return on assets | 1.8831% | 739 |
| Return on Equity (ROE) | 16.8286% | 571 |
| Retained earnings to average equity (ytd only) | 11.7121% | 563 |
| Net charge-offs to loans | 0.0355% | 5,356 |
| Credit loss provision to net charge-offs | 1,595.7447% | 219 |
| Earnings coverage of net charge-offs (x) | 97.0851% | 372 |
| Efficiency ratio | 47.7559% | 7,072 |
| Assets per employee ($millions) | 4.6713% | 2,588 |
| Cash dividends to net income (ytd only)* | 30.4035% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 4,479 |
| Loan loss allowance to noncurrent loans | 127.0136% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 4,570 |
| Noncurrent loans to loans | 1.1184% | 4,801 |
| Net loans and leases to total assets | 64.6935% | 3,320 |
| Net loans and leases to deposits | 81.3074% | 2,554 |
| Net loans and leases to core deposits | 85.2865% | 3,033 |
| Total domestic deposits to total assets | 79.5666% | 5,939 |
| Equity capital to assets | 11.0278% | 2,922 |
| Core capital (leverage) ratio | 10.4934% | 2,721 |
| Tier 1 risk-based capital ratio | 15.3259% | 3,336 |
| Total risk-based capital ratio | 16.5775% | 3,285 |
| Memoranda: | ||
| Average total assets | $406,890,330 | 1,616 |
| Average earning assets | $388,064,000 | 1,549 |
| Average equity | $42,998,330 | 1,556 |
| Average total loans | $264,659,330 | 1,631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 3,447 |
| Cost of funding earning assets | 1.3489% | 1,891 |
| Net interest margin | 3.5768% | 4,674 |
| Noninterest income to average assets | 0.7510% | 2,253 |
| Noninterest expense to average assets | 2.0563% | 6,725 |
| Loan and lease loss provision to assets | 0.3706% | 2,336 |
| Net operating income to assets | 1.6115% | 674 |
| Return on assets (ROA) | 1.6097% | 720 |
| Pretax return on assets | 1.7362% | 915 |
| Return on Equity (ROE) | 15.5768% | 730 |
| Retained earnings to average equity (ytd only) | 15.5768% | 342 |
| Net charge-offs to loans | 0.1816% | 3,401 |
| Credit loss provision to net charge-offs | 315.1261% | 1,026 |
| Earnings coverage of net charge-offs (x) | 17.9328% | 1,204 |
| Efficiency ratio | 49.3713% | 7,035 |
| Assets per employee ($millions) | 4.6780% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 5,205 |
| Loan loss allowance to noncurrent loans | 90.7750% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 4,271 |
| Noncurrent loans to loans | 1.4153% | 4,345 |
| Net loans and leases to total assets | 63.9072% | 3,447 |
| Net loans and leases to deposits | 76.7297% | 3,293 |
| Net loans and leases to core deposits | 80.1240% | 3,737 |
| Total domestic deposits to total assets | 83.2888% | 4,798 |
| Equity capital to assets | 10.4990% | 3,177 |
| Core capital (leverage) ratio | 10.3714% | 2,737 |
| Tier 1 risk-based capital ratio | 15.3685% | 3,226 |
| Total risk-based capital ratio | 16.6084% | 3,196 |
| Memoranda: | ||
| Average total assets | $404,799,500 | 1,631 |
| Average earning assets | $386,378,500 | 1,566 |
| Average equity | $41,831,500 | 1,589 |
| Average total loans | $262,104,500 | 1,662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 4,314 |
| Cost of funding earning assets | 1.6561% | 1,795 |
| Net interest margin | 3.3943% | 5,657 |
| Noninterest income to average assets | 0.9286% | 1,746 |
| Noninterest expense to average assets | 2.2261% | 6,551 |
| Loan and lease loss provision to assets | 0.4643% | 3,344 |
| Net operating income to assets | 1.4514% | 851 |
| Return on assets (ROA) | 1.4557% | 910 |
| Pretax return on assets | 1.4755% | 1,438 |
| Return on Equity (ROE) | 13.4880% | 985 |
| Retained earnings to average equity (ytd only) | 9.2652% | 647 |
| Net charge-offs to loans | 0.6320% | 3,126 |
| Credit loss provision to net charge-offs | 112.7604% | 3,870 |
| Earnings coverage of net charge-offs (x) | 4.7005% | 2,840 |
| Efficiency ratio | 53.4914% | 6,850 |
| Assets per employee ($millions) | 4.8507% | 2,341 |
| Cash dividends to net income (ytd only)* | 31.3076% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,511 |
| Loan loss allowance to noncurrent loans | 104.4044% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 4,570 |
| Noncurrent loans to loans | 1.1495% | 4,809 |
| Net loans and leases to total assets | 63.9824% | 3,878 |
| Net loans and leases to deposits | 76.6322% | 3,745 |
| Net loans and leases to core deposits | 81.0424% | 4,051 |
| Total domestic deposits to total assets | 83.4929% | 4,610 |
| Equity capital to assets | 10.1669% | 3,536 |
| Core capital (leverage) ratio | 10.1011% | 2,973 |
| Tier 1 risk-based capital ratio | 14.5971% | 3,481 |
| Total risk-based capital ratio | 15.7296% | 3,515 |
| Memoranda: | ||
| Average total assets | $373,028,400 | 1,765 |
| Average earning assets | $355,299,400 | 1,688 |
| Average equity | $40,258,000 | 1,645 |
| Average total loans | $243,031,400 | 1,804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 4,290 |
| Cost of funding earning assets | 1.7089% | 1,829 |
| Net interest margin | 3.3964% | 5,693 |
| Noninterest income to average assets | 0.8887% | 1,838 |
| Noninterest expense to average assets | 2.0516% | 6,956 |
| Loan and lease loss provision to assets | 0.4649% | 3,144 |
| Net operating income to assets | 1.5921% | 760 |
| Return on assets (ROA) | 1.5976% | 821 |
| Pretax return on assets | 1.6114% | 1,325 |
| Return on Equity (ROE) | 14.5705% | 925 |
| Retained earnings to average equity (ytd only) | 10.9121% | 618 |
| Net charge-offs to loans | 0.7650% | 2,514 |
| Credit loss provision to net charge-offs | 93.1337% | 4,654 |
| Earnings coverage of net charge-offs (x) | 4.1483% | 3,175 |
| Efficiency ratio | 49.7656% | 7,173 |
| Assets per employee ($millions) | 4.7477% | 2,528 |
| Cash dividends to net income (ytd only)* | 25.1084% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,824 |
| Loan loss allowance to noncurrent loans | 132.9742% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,888 |
| Noncurrent loans to loans | 0.8476% | 5,527 |
| Net loans and leases to total assets | 63.2030% | 4,277 |
| Net loans and leases to deposits | 78.4194% | 3,754 |
| Net loans and leases to core deposits | 81.8774% | 4,264 |
| Total domestic deposits to total assets | 80.5961% | 5,516 |
| Equity capital to assets | 10.6187% | 3,388 |
| Core capital (leverage) ratio | 10.2094% | 3,033 |
| Tier 1 risk-based capital ratio | 15.2061% | 3,151 |
| Total risk-based capital ratio | 16.2886% | 3,221 |
| Memoranda: | ||
| Average total assets | $365,633,250 | 1,811 |
| Average earning assets | $348,126,500 | 1,744 |
| Average equity | $40,089,250 | 1,663 |
| Average total loans | $238,607,250 | 1,857 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 4,351 |
| Cost of funding earning assets | 1.7331% | 1,951 |
| Net interest margin | 3.3861% | 5,692 |
| Noninterest income to average assets | 0.7553% | 2,357 |
| Noninterest expense to average assets | 1.9121% | 7,247 |
| Loan and lease loss provision to assets | 0.4633% | 3,002 |
| Net operating income to assets | 1.5759% | 775 |
| Return on assets (ROA) | 1.5847% | 807 |
| Pretax return on assets | 1.6178% | 1,255 |
| Return on Equity (ROE) | 14.2870% | 975 |
| Retained earnings to average equity (ytd only) | 10.7431% | 701 |
| Net charge-offs to loans | 0.8831% | 2,071 |
| Credit loss provision to net charge-offs | 79.7872% | 4,713 |
| Earnings coverage of net charge-offs (x) | 3.5687% | 3,265 |
| Efficiency ratio | 47.9915% | 7,348 |
| Assets per employee ($millions) | 5.0022% | 2,190 |
| Cash dividends to net income (ytd only)* | 24.8051% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,920 |
| Loan loss allowance to noncurrent loans | 125.5300% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 4,994 |
| Noncurrent loans to loans | 0.8793% | 5,513 |
| Net loans and leases to total assets | 65.0524% | 4,033 |
| Net loans and leases to deposits | 79.5098% | 3,686 |
| Net loans and leases to core deposits | 83.1249% | 4,263 |
| Total domestic deposits to total assets | 81.8168% | 5,059 |
| Equity capital to assets | 10.7596% | 3,115 |
| Core capital (leverage) ratio | 10.6499% | 2,498 |
| Tier 1 risk-based capital ratio | 15.2883% | 3,016 |
| Total risk-based capital ratio | 16.3638% | 3,056 |
| Memoranda: | ||
| Average total assets | $356,158,000 | 1,881 |
| Average earning assets | $339,621,000 | 1,804 |
| Average equity | $39,504,330 | 1,684 |
| Average total loans | $234,177,670 | 1,912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 4,610 |
| Cost of funding earning assets | 1.7475% | 2,137 |
| Net interest margin | 3.3359% | 5,841 |
| Noninterest income to average assets | 0.7766% | 2,140 |
| Noninterest expense to average assets | 1.9893% | 7,177 |
| Loan and lease loss provision to assets | 0.3462% | 3,305 |
| Net operating income to assets | 1.5883% | 774 |
| Return on assets (ROA) | 1.6062% | 795 |
| Pretax return on assets | 1.6512% | 1,158 |
| Return on Equity (ROE) | 14.2501% | 1,004 |
| Retained earnings to average equity (ytd only) | 14.2501% | 479 |
| Net charge-offs to loans | 0.0140% | 5,390 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 214.3750% | 158 |
| Efficiency ratio | 50.1309% | 7,309 |
| Assets per employee ($millions) | 4.8219% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,614 |
| Loan loss allowance to noncurrent loans | 76.2411% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 4,703 |
| Noncurrent loans to loans | 1.7869% | 4,069 |
| Net loans and leases to total assets | 65.4390% | 4,009 |
| Net loans and leases to deposits | 80.7252% | 3,510 |
| Net loans and leases to core deposits | 84.7867% | 4,094 |
| Total domestic deposits to total assets | 81.0639% | 5,438 |
| Equity capital to assets | 11.1210% | 2,662 |
| Core capital (leverage) ratio | 10.9384% | 2,270 |
| Tier 1 risk-based capital ratio | 15.6228% | 2,819 |
| Total risk-based capital ratio | 16.8738% | 2,765 |
| Memoranda: | ||
| Average total assets | $346,655,000 | 1,972 |
| Average earning assets | $331,669,500 | 1,892 |
| Average equity | $39,073,500 | 1,721 |
| Average total loans | $227,878,000 | 2,009 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 4,542 |
| Cost of funding earning assets | 1.9508% | 3,206 |
| Net interest margin | 3.4774% | 5,054 |
| Noninterest income to average assets | 0.8690% | 2,081 |
| Noninterest expense to average assets | 2.2329% | 6,910 |
| Loan and lease loss provision to assets | 0.2404% | 5,457 |
| Net operating income to assets | 1.6368% | 498 |
| Return on assets (ROA) | 1.6339% | 534 |
| Pretax return on assets | 1.7192% | 748 |
| Return on Equity (ROE) | 14.0613% | 772 |
| Retained earnings to average equity (ytd only) | 6.1051% | 1,317 |
| Net charge-offs to loans | 0.1599% | 5,675 |
| Credit loss provision to net charge-offs | 225.4335% | 1,658 |
| Earnings coverage of net charge-offs (x) | 18.4075% | 1,127 |
| Efficiency ratio | 53.2207% | 7,304 |
| Assets per employee ($millions) | 4.5471% | 2,839 |
| Cash dividends to net income (ytd only)* | 56.5824% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,538 |
| Loan loss allowance to noncurrent loans | 77.1639% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 4,737 |
| Noncurrent loans to loans | 1.7354% | 4,032 |
| Net loans and leases to total assets | 64.2214% | 4,553 |
| Net loans and leases to deposits | 80.0393% | 3,977 |
| Net loans and leases to core deposits | 96.6488% | 4,385 |
| Total domestic deposits to total assets | 80.2374% | 5,606 |
| Equity capital to assets | 11.4313% | 2,366 |
| Core capital (leverage) ratio | 11.0334% | 2,208 |
| Tier 1 risk-based capital ratio | 16.0748% | 2,488 |
| Total risk-based capital ratio | 17.3253% | 2,420 |
| Memoranda: | ||
| Average total assets | $324,506,600 | 2,089 |
| Average earning assets | $310,431,400 | 2,000 |
| Average equity | $37,706,400 | 1,777 |
| Average total loans | $216,402,600 | 2,136 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 4,340 |
| Cost of funding earning assets | 1.9772% | 3,477 |
| Net interest margin | 3.5386% | 4,706 |
| Noninterest income to average assets | 0.8609% | 2,140 |
| Noninterest expense to average assets | 2.0980% | 7,204 |
| Loan and lease loss provision to assets | 0.2488% | 4,964 |
| Net operating income to assets | 1.7998% | 440 |
| Return on assets (ROA) | 1.7998% | 472 |
| Pretax return on assets | 1.9022% | 655 |
| Return on Equity (ROE) | 15.4238% | 717 |
| Retained earnings to average equity (ytd only) | 6.5391% | 1,694 |
| Net charge-offs to loans | -0.0253% | 7,782 |
| Credit loss provision to net charge-offs | -1,463.4146% | 7,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3754% | 7,598 |
| Assets per employee ($millions) | 4.4485% | 2,942 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 3,701 |
| Loan loss allowance to noncurrent loans | 156.2189% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 5,804 |
| Noncurrent loans to loans | 0.9268% | 5,439 |
| Net loans and leases to total assets | 64.9266% | 4,670 |
| Net loans and leases to deposits | 81.4062% | 4,129 |
| Net loans and leases to core deposits | 97.8752% | 4,619 |
| Total domestic deposits to total assets | 79.7564% | 5,539 |
| Equity capital to assets | 11.6216% | 2,492 |
| Core capital (leverage) ratio | 11.2243% | 2,243 |
| Tier 1 risk-based capital ratio | 16.4014% | 2,472 |
| Total risk-based capital ratio | 17.6536% | 2,412 |
| Memoranda: | ||
| Average total assets | $321,511,000 | 2,117 |
| Average earning assets | $307,831,750 | 2,044 |
| Average equity | $37,516,750 | 1,809 |
| Average total loans | $215,745,500 | 2,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 4,108 |
| Cost of funding earning assets | 2.0041% | 3,755 |
| Net interest margin | 3.5894% | 4,411 |
| Noninterest income to average assets | 0.8898% | 2,024 |
| Noninterest expense to average assets | 2.0799% | 7,318 |
| Loan and lease loss provision to assets | 0.2508% | 4,564 |
| Net operating income to assets | 1.8724% | 397 |
| Return on assets (ROA) | 1.8724% | 429 |
| Pretax return on assets | 1.9934% | 581 |
| Return on Equity (ROE) | 16.0236% | 692 |
| Retained earnings to average equity (ytd only) | 6.3644% | 1,855 |
| Net charge-offs to loans | 0.0214% | 6,204 |
| Credit loss provision to net charge-offs | 1,739.1304% | 301 |
| Earnings coverage of net charge-offs (x) | 155.6087% | 262 |
| Efficiency ratio | 48.1003% | 7,748 |
| Assets per employee ($millions) | 4.3232% | 3,069 |
| Cash dividends to net income (ytd only)* | 60.2813% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 4,343 |
| Loan loss allowance to noncurrent loans | 133.2098% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7489% | 5,531 |
| Noncurrent loans to loans | 0.9664% | 5,288 |
| Net loans and leases to total assets | 68.9317% | 3,962 |
| Net loans and leases to deposits | 86.7746% | 3,396 |
| Net loans and leases to core deposits | 105.1752% | 3,937 |
| Total domestic deposits to total assets | 79.4377% | 5,676 |
| Equity capital to assets | 11.6969% | 2,388 |
| Core capital (leverage) ratio | 11.0700% | 2,351 |
| Tier 1 risk-based capital ratio | 15.7958% | 2,694 |
| Total risk-based capital ratio | 17.0463% | 2,635 |
| Memoranda: | ||
| Average total assets | $318,951,330 | 2,150 |
| Average earning assets | $305,175,330 | 2,082 |
| Average equity | $37,270,000 | 1,824 |
| Average total loans | $215,370,000 | 2,193 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 4,251 |
| Cost of funding earning assets | 2.0146% | 4,059 |
| Net interest margin | 3.6036% | 4,305 |
| Noninterest income to average assets | 0.8993% | 1,854 |
| Noninterest expense to average assets | 2.1164% | 7,078 |
| Loan and lease loss provision to assets | 0.1884% | 4,556 |
| Net operating income to assets | 1.9770% | 363 |
| Return on assets (ROA) | 1.9770% | 416 |
| Pretax return on assets | 2.0410% | 619 |
| Return on Equity (ROE) | 16.9270% | 694 |
| Retained earnings to average equity (ytd only) | 11.5499% | 874 |
| Net charge-offs to loans | -0.0568% | 7,734 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6994% | 7,686 |
| Assets per employee ($millions) | 4.3759% | 2,927 |
| Cash dividends to net income (ytd only)* | 31.7662% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,422 |
| Loan loss allowance to noncurrent loans | 102.3691% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 4,980 |
| Noncurrent loans to loans | 1.2222% | 4,529 |
| Net loans and leases to total assets | 66.1937% | 4,543 |
| Net loans and leases to deposits | 83.3448% | 4,084 |
| Net loans and leases to core deposits | 100.1696% | 4,524 |
| Total domestic deposits to total assets | 79.4215% | 5,567 |
| Equity capital to assets | 11.7393% | 2,416 |
| Core capital (leverage) ratio | 11.1203% | 2,406 |
| Tier 1 risk-based capital ratio | 16.2620% | 2,591 |
| Total risk-based capital ratio | 17.4937% | 2,541 |
| Memoranda: | ||
| Average total assets | $318,469,500 | 2,170 |
| Average earning assets | $304,582,500 | 2,095 |
| Average equity | $37,195,000 | 1,838 |
| Average total loans | $211,355,500 | 2,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4484% | 3,192 |
| Cost of funding earning assets | 2.6661% | 3,334 |
| Net interest margin | 3.7823% | 4,092 |
| Noninterest income to average assets | 0.8756% | 2,077 |
| Noninterest expense to average assets | 2.2157% | 6,927 |
| Loan and lease loss provision to assets | 0.1845% | 5,049 |
| Net operating income to assets | 1.9648% | 386 |
| Return on assets (ROA) | 1.9666% | 369 |
| Pretax return on assets | 2.0435% | 540 |
| Return on Equity (ROE) | 17.6947% | 557 |
| Retained earnings to average equity (ytd only) | 4.0725% | 2,593 |
| Net charge-offs to loans | 0.2594% | 3,682 |
| Credit loss provision to net charge-offs | 108.3333% | 4,958 |
| Earnings coverage of net charge-offs (x) | 13.0704% | 2,175 |
| Efficiency ratio | 49.8828% | 7,672 |
| Assets per employee ($millions) | 4.2905% | 2,970 |
| Cash dividends to net income (ytd only)* | 76.9848% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 4,545 |
| Loan loss allowance to noncurrent loans | 119.9712% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 4,574 |
| Noncurrent loans to loans | 0.9986% | 4,598 |
| Net loans and leases to total assets | 64.9086% | 5,081 |
| Net loans and leases to deposits | 82.1621% | 4,701 |
| Net loans and leases to core deposits | 98.4160% | 5,000 |
| Total domestic deposits to total assets | 79.0006% | 5,377 |
| Equity capital to assets | 11.6189% | 2,556 |
| Core capital (leverage) ratio | 10.9886% | 2,599 |
| Tier 1 risk-based capital ratio | 15.7511% | 2,758 |
| Total risk-based capital ratio | 16.8988% | 2,725 |
| Memoranda: | ||
| Average total assets | $317,049,200 | 2,113 |
| Average earning assets | $298,942,400 | 2,044 |
| Average equity | $35,236,600 | 1,917 |
| Average total loans | $208,166,600 | 2,222 |