Home > The Cecilian Bank > Performance and Condition Ratios
The Cecilian 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 | 4.3759% | 3,320 |
| Cost of funding earning assets | 1.2267% | 2,737 |
| Net interest margin | 3.1491% | 2,981 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.2440% | 2,998 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0154% | 2,167 |
| Return on assets (ROA) | 1.0309% | 2,095 |
| Pretax return on assets | 1.3378% | 1,769 |
| Return on Equity (ROE) | 12.6300% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.1137% | 768 |
| Net charge-offs to loans | 0.0069% | 2,418 |
| Credit loss provision to net charge-offs | 2,509.3750% | 187 |
| Earnings coverage of net charge-offs (x) | 320.9531% | 413 |
| Efficiency ratio | 58.4162% | 3,253 |
| Assets per employee ($millions) | 6.0863% | 2,747 |
| Cash dividends to net income (ytd only)* | 11.9876% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,104 |
| Loan loss allowance to noncurrent loans | 297.7059% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 2,074 |
| Noncurrent loans to loans | 0.3499% | 1,931 |
| Net loans and leases to total assets | 64.7500% | 2,398 |
| Net loans and leases to deposits | 77.6999% | 2,297 |
| Net loans and leases to core deposits | 90.3034% | 2,028 |
| Total domestic deposits to total assets | 83.3300% | 2,800 |
| Equity capital to assets | 8.7969% | 2,832 |
| Core capital (leverage) ratio | 10.4183% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,436,340,000 | 737 |
| Average earning assets | $1,334,022,200 | 729 |
| Average equity | $117,260,800 | 846 |
| Average total loans | $924,772,400 | 777 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 3,317 |
| Cost of funding earning assets | 1.1218% | 2,681 |
| Net interest margin | 3.1662% | 2,987 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.2133% | 3,045 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0453% | 2,236 |
| Return on assets (ROA) | 1.0403% | 2,237 |
| Pretax return on assets | 1.3551% | 1,880 |
| Return on Equity (ROE) | 13.0100% | 1,896 |
| Retained earnings to average equity (ytd only) | 11.6129% | 1,045 |
| Net charge-offs to loans | 0.0013% | 2,565 |
| Credit loss provision to net charge-offs | 13,911.1111% | 32 |
| Earnings coverage of net charge-offs (x) | 1,754.7778% | 83 |
| Efficiency ratio | 57.2805% | 3,284 |
| Assets per employee ($millions) | 5.7225% | 2,994 |
| Cash dividends to net income (ytd only)* | 10.7091% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,176 |
| Loan loss allowance to noncurrent loans | 355.4269% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,313 |
| Noncurrent loans to loans | 0.2916% | 2,189 |
| Net loans and leases to total assets | 65.3200% | 2,309 |
| Net loans and leases to deposits | 78.0447% | 2,243 |
| Net loans and leases to core deposits | 89.3557% | 1,972 |
| Total domestic deposits to total assets | 83.6900% | 2,861 |
| Equity capital to assets | 7.9812% | 3,069 |
| Core capital (leverage) ratio | 10.4224% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,424,158,500 | 743 |
| Average earning assets | $1,321,658,250 | 735 |
| Average equity | $113,916,000 | 854 |
| Average total loans | $913,051,000 | 790 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,328 |
| Cost of funding earning assets | 1.0388% | 2,485 |
| Net interest margin | 3.1459% | 3,116 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.1806% | 3,130 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0689% | 2,211 |
| Return on assets (ROA) | 1.0689% | 2,207 |
| Pretax return on assets | 1.4027% | 1,807 |
| Return on Equity (ROE) | 13.3500% | 1,827 |
| Retained earnings to average equity (ytd only) | 12.2982% | 931 |
| Net charge-offs to loans | 0.0013% | 2,355 |
| Credit loss provision to net charge-offs | 9,033.3333% | 65 |
| Earnings coverage of net charge-offs (x) | 1,750.3333% | 79 |
| Efficiency ratio | 56.8828% | 3,314 |
| Assets per employee ($millions) | 5.7570% | 2,918 |
| Cash dividends to net income (ytd only)* | 7.9051% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 3,485 |
| Loan loss allowance to noncurrent loans | 343.1314% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,266 |
| Noncurrent loans to loans | 0.2876% | 2,110 |
| Net loans and leases to total assets | 63.8100% | 2,402 |
| Net loans and leases to deposits | 76.0947% | 2,307 |
| Net loans and leases to core deposits | 85.2914% | 2,129 |
| Total domestic deposits to total assets | 83.8500% | 2,856 |
| Equity capital to assets | 8.1550% | 3,111 |
| Core capital (leverage) ratio | 10.2422% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,420,097,333 | 734 |
| Average earning assets | $1,317,129,000 | 727 |
| Average equity | $113,675,333 | 849 |
| Average total loans | $901,407,000 | 783 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,299 |
| Cost of funding earning assets | 0.9300% | 2,272 |
| Net interest margin | 3.1463% | 3,244 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.1126% | 3,353 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0950% | 2,250 |
| Return on assets (ROA) | 1.0950% | 2,212 |
| Pretax return on assets | 1.4467% | 1,778 |
| Return on Equity (ROE) | 13.8100% | 1,814 |
| Retained earnings to average equity (ytd only) | 13.8103% | 967 |
| Net charge-offs to loans | -0.0013% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6825% | 3,437 |
| Assets per employee ($millions) | 5.9633% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,620 |
| Loan loss allowance to noncurrent loans | 381.5378% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,377 |
| Noncurrent loans to loans | 0.2556% | 2,232 |
| Net loans and leases to total assets | 62.5700% | 2,406 |
| Net loans and leases to deposits | 74.8454% | 2,227 |
| Net loans and leases to core deposits | 83.1983% | 2,046 |
| Total domestic deposits to total assets | 83.6100% | 3,170 |
| Equity capital to assets | 8.1426% | 3,145 |
| Core capital (leverage) ratio | 10.1295% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,413,393,500 | 752 |
| Average earning assets | $1,310,981,000 | 743 |
| Average equity | $112,061,500 | 869 |
| Average total loans | $890,228,000 | 803 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 3,092 |
| Cost of funding earning assets | 0.3888% | 2,187 |
| Net interest margin | 3.1040% | 3,167 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.1319% | 3,213 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1996% | 1,769 |
| Return on assets (ROA) | 1.1894% | 1,752 |
| Pretax return on assets | 1.5074% | 1,433 |
| Return on Equity (ROE) | 14.9100% | 1,272 |
| Retained earnings to average equity (ytd only) | 10.8416% | 921 |
| Net charge-offs to loans | -0.0043% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.7189% | 3,608 |
| Assets per employee ($millions) | 5.7677% | 2,972 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,210 |
| Loan loss allowance to noncurrent loans | 367.1805% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,316 |
| Noncurrent loans to loans | 0.2802% | 2,148 |
| Net loans and leases to total assets | 62.1300% | 2,423 |
| Net loans and leases to deposits | 75.0918% | 2,172 |
| Net loans and leases to core deposits | 82.1948% | 1,993 |
| Total domestic deposits to total assets | 82.7400% | 3,478 |
| Equity capital to assets | 7.7109% | 3,244 |
| Core capital (leverage) ratio | 9.8799% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,413,153,800 | 739 |
| Average earning assets | $1,319,734,200 | 728 |
| Average equity | $112,750,400 | 863 |
| Average total loans | $828,353,200 | 799 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 3,052 |
| Cost of funding earning assets | 0.3641% | 1,576 |
| Net interest margin | 2.9854% | 3,253 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.1561% | 3,054 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.1208% | 2,001 |
| Return on assets (ROA) | 1.1208% | 1,971 |
| Pretax return on assets | 1.4198% | 1,662 |
| Return on Equity (ROE) | 13.9300% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.1524% | 1,597 |
| Net charge-offs to loans | -0.0082% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.9720% | 3,387 |
| Assets per employee ($millions) | 5.7275% | 3,010 |
| Cash dividends to net income (ytd only)* | 34.3078% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,281 |
| Loan loss allowance to noncurrent loans | 362.3212% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 2,425 |
| Noncurrent loans to loans | 0.2883% | 2,210 |
| Net loans and leases to total assets | 58.8900% | 2,612 |
| Net loans and leases to deposits | 71.0658% | 2,283 |
| Net loans and leases to core deposits | 77.4484% | 2,082 |
| Total domestic deposits to total assets | 82.8600% | 3,713 |
| Equity capital to assets | 6.8258% | 3,604 |
| Core capital (leverage) ratio | 9.4084% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,416,055,000 | 747 |
| Average earning assets | $1,325,636,750 | 729 |
| Average equity | $113,920,000 | 869 |
| Average total loans | $815,483,250 | 807 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 2,993 |
| Cost of funding earning assets | 0.3503% | 1,258 |
| Net interest margin | 2.8649% | 3,257 |
| Noninterest income to average assets | 0.7069% | 1,311 |
| Noninterest expense to average assets | 2.1246% | 3,085 |
| Loan and lease loss provision to assets | -0.0361% | 4,479 |
| Net operating income to assets | 1.0481% | 1,981 |
| Return on assets (ROA) | 1.0481% | 1,951 |
| Pretax return on assets | 1.3088% | 1,720 |
| Return on Equity (ROE) | 12.3957% | 1,551 |
| Retained earnings to average equity (ytd only) | 7.4562% | 1,829 |
| Net charge-offs to loans | -0.0460% | 4,209 |
| Credit loss provision to net charge-offs | 137.8378% | 1,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4658% | 3,371 |
| Assets per employee ($millions) | 5.6925% | 3,033 |
| Cash dividends to net income (ytd only)* | 39.8487% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,138 |
| Loan loss allowance to noncurrent loans | 347.5447% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,431 |
| Noncurrent loans to loans | 0.3185% | 2,202 |
| Net loans and leases to total assets | 57.5418% | 2,577 |
| Net loans and leases to deposits | 69.7094% | 2,239 |
| Net loans and leases to core deposits | 74.5784% | 2,120 |
| Total domestic deposits to total assets | 82.5452% | 3,939 |
| Equity capital to assets | 7.6828% | 3,357 |
| Core capital (leverage) ratio | 9.4853% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,412,693,667 | 737 |
| Average earning assets | $1,326,697,333 | 728 |
| Average equity | $119,444,667 | 845 |
| Average total loans | $804,411,333 | 801 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 2,815 |
| Cost of funding earning assets | 0.3554% | 1,163 |
| Net interest margin | 2.7988% | 3,145 |
| Noninterest income to average assets | 0.6367% | 1,540 |
| Noninterest expense to average assets | 2.0838% | 3,205 |
| Loan and lease loss provision to assets | -0.0269% | 4,469 |
| Net operating income to assets | 0.9754% | 1,983 |
| Return on assets (ROA) | 0.9754% | 1,977 |
| Pretax return on assets | 1.2091% | 1,781 |
| Return on Equity (ROE) | 11.0297% | 1,611 |
| Retained earnings to average equity (ytd only) | 3.4927% | 3,123 |
| Net charge-offs to loans | -0.1163% | 4,495 |
| Credit loss provision to net charge-offs | 41.1255% | 1,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6079% | 3,418 |
| Assets per employee ($millions) | 5.8604% | 2,933 |
| Cash dividends to net income (ytd only)* | 68.3338% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,054 |
| Loan loss allowance to noncurrent loans | 364.9335% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,557 |
| Noncurrent loans to loans | 0.3180% | 2,330 |
| Net loans and leases to total assets | 55.3692% | 2,591 |
| Net loans and leases to deposits | 67.2189% | 2,225 |
| Net loans and leases to core deposits | 71.7419% | 2,136 |
| Total domestic deposits to total assets | 82.3715% | 4,033 |
| Equity capital to assets | 7.9776% | 3,590 |
| Core capital (leverage) ratio | 9.3522% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,410,326,500 | 737 |
| Average earning assets | $1,324,856,500 | 728 |
| Average equity | $124,718,000 | 828 |
| Average total loans | $794,245,500 | 805 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 2,666 |
| Cost of funding earning assets | 0.4302% | 1,331 |
| Net interest margin | 3.0685% | 2,998 |
| Noninterest income to average assets | 0.6286% | 2,030 |
| Noninterest expense to average assets | 2.0450% | 3,543 |
| Loan and lease loss provision to assets | -0.0299% | 4,273 |
| Net operating income to assets | 1.1891% | 1,956 |
| Return on assets (ROA) | 1.1956% | 1,993 |
| Pretax return on assets | 1.5163% | 1,666 |
| Return on Equity (ROE) | 12.6720% | 1,580 |
| Retained earnings to average equity (ytd only) | 12.6720% | 443 |
| Net charge-offs to loans | 0.0235% | 1,776 |
| Credit loss provision to net charge-offs | -222.1622% | 3,541 |
| Earnings coverage of net charge-offs (x) | 109.7297% | 830 |
| Efficiency ratio | 54.6884% | 3,855 |
| Assets per employee ($millions) | 5.4522% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,005 |
| Loan loss allowance to noncurrent loans | 480.9200% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,975 |
| Noncurrent loans to loans | 0.2440% | 2,753 |
| Net loans and leases to total assets | 55.9601% | 2,619 |
| Net loans and leases to deposits | 69.2238% | 2,201 |
| Net loans and leases to core deposits | 74.3757% | 2,047 |
| Total domestic deposits to total assets | 80.8394% | 4,122 |
| Equity capital to assets | 9.7406% | 2,897 |
| Core capital (leverage) ratio | 9.1714% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,373,354,600 | 725 |
| Average earning assets | $1,295,497,600 | 716 |
| Average equity | $129,577,400 | 801 |
| Average total loans | $788,884,600 | 805 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5406% | 2,718 |
| Cost of funding earning assets | 0.4392% | 1,423 |
| Net interest margin | 3.1014% | 3,051 |
| Noninterest income to average assets | 0.6264% | 2,112 |
| Noninterest expense to average assets | 2.0418% | 3,552 |
| Loan and lease loss provision to assets | -0.0312% | 4,398 |
| Net operating income to assets | 1.2079% | 2,144 |
| Return on assets (ROA) | 1.2166% | 2,167 |
| Pretax return on assets | 1.5463% | 1,860 |
| Return on Equity (ROE) | 13.0005% | 1,691 |
| Retained earnings to average equity (ytd only) | 13.0005% | 641 |
| Net charge-offs to loans | 0.0170% | 1,718 |
| Credit loss provision to net charge-offs | -316.8317% | 3,508 |
| Earnings coverage of net charge-offs (x) | 153.0792% | 672 |
| Efficiency ratio | 54.2389% | 3,773 |
| Assets per employee ($millions) | 5.5004% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,970 |
| Loan loss allowance to noncurrent loans | 438.4939% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 2,928 |
| Noncurrent loans to loans | 0.2748% | 2,814 |
| Net loans and leases to total assets | 54.3838% | 2,928 |
| Net loans and leases to deposits | 67.0947% | 2,530 |
| Net loans and leases to core deposits | 72.8390% | 2,335 |
| Total domestic deposits to total assets | 81.0553% | 4,085 |
| Equity capital to assets | 9.5046% | 3,365 |
| Core capital (leverage) ratio | 8.8447% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,370,479,000 | 737 |
| Average earning assets | $1,290,091,000 | 727 |
| Average equity | $128,248,250 | 821 |
| Average total loans | $790,064,000 | 821 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4129% | 3,141 |
| Cost of funding earning assets | 0.4461% | 1,550 |
| Net interest margin | 2.9668% | 3,404 |
| Noninterest income to average assets | 0.5980% | 2,226 |
| Noninterest expense to average assets | 2.0285% | 3,610 |
| Loan and lease loss provision to assets | -0.0267% | 4,455 |
| Net operating income to assets | 1.0977% | 2,561 |
| Return on assets (ROA) | 1.1108% | 2,564 |
| Pretax return on assets | 1.4054% | 2,324 |
| Return on Equity (ROE) | 11.9355% | 2,090 |
| Retained earnings to average equity (ytd only) | 11.9355% | 931 |
| Net charge-offs to loans | 0.0176% | 1,591 |
| Credit loss provision to net charge-offs | -258.5714% | 3,279 |
| Earnings coverage of net charge-offs (x) | 131.9286% | 639 |
| Efficiency ratio | 56.2965% | 3,507 |
| Assets per employee ($millions) | 5.4770% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,946 |
| Loan loss allowance to noncurrent loans | 358.5650% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 2,839 |
| Noncurrent loans to loans | 0.3341% | 2,714 |
| Net loans and leases to total assets | 56.8057% | 2,802 |
| Net loans and leases to deposits | 71.4994% | 2,256 |
| Net loans and leases to core deposits | 77.7262% | 2,071 |
| Total domestic deposits to total assets | 79.4493% | 4,297 |
| Equity capital to assets | 9.3549% | 3,465 |
| Core capital (leverage) ratio | 8.5665% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,356,103,333 | 742 |
| Average earning assets | $1,276,411,000 | 732 |
| Average equity | $126,212,000 | 828 |
| Average total loans | $794,036,000 | 824 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 3,240 |
| Cost of funding earning assets | 0.4458% | 1,754 |
| Net interest margin | 2.9407% | 3,408 |
| Noninterest income to average assets | 0.6119% | 2,159 |
| Noninterest expense to average assets | 1.9921% | 3,744 |
| Loan and lease loss provision to assets | -0.0066% | 4,567 |
| Net operating income to assets | 1.0968% | 2,490 |
| Return on assets (ROA) | 1.0968% | 2,564 |
| Pretax return on assets | 1.3864% | 2,317 |
| Return on Equity (ROE) | 11.8165% | 2,085 |
| Retained earnings to average equity (ytd only) | 11.8165% | 1,198 |
| Net charge-offs to loans | 0.0303% | 1,183 |
| Credit loss provision to net charge-offs | -36.6667% | 2,737 |
| Earnings coverage of net charge-offs (x) | 77.1167% | 718 |
| Efficiency ratio | 55.4878% | 3,607 |
| Assets per employee ($millions) | 5.3799% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,859 |
| Loan loss allowance to noncurrent loans | 400.6186% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 3,123 |
| Noncurrent loans to loans | 0.3031% | 3,008 |
| Net loans and leases to total assets | 56.9331% | 2,921 |
| Net loans and leases to deposits | 71.8933% | 2,322 |
| Net loans and leases to core deposits | 78.0372% | 2,181 |
| Total domestic deposits to total assets | 79.1911% | 4,315 |
| Equity capital to assets | 8.9738% | 3,712 |
| Core capital (leverage) ratio | 8.6707% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,341,314,000 | 746 |
| Average earning assets | $1,258,870,000 | 735 |
| Average equity | $124,503,500 | 831 |
| Average total loans | $792,708,000 | 818 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 2,901 |
| Cost of funding earning assets | 0.5366% | 2,706 |
| Net interest margin | 3.4039% | 2,765 |
| Noninterest income to average assets | 0.6463% | 2,041 |
| Noninterest expense to average assets | 2.4560% | 2,972 |
| Loan and lease loss provision to assets | 0.0558% | 3,672 |
| Net operating income to assets | 1.1088% | 1,893 |
| Return on assets (ROA) | 1.1116% | 2,001 |
| Pretax return on assets | 1.3124% | 1,933 |
| Return on Equity (ROE) | 10.7156% | 1,737 |
| Retained earnings to average equity (ytd only) | 4.2228% | 2,700 |
| Net charge-offs to loans | 0.0571% | 1,961 |
| Credit loss provision to net charge-offs | 151.5152% | 2,416 |
| Earnings coverage of net charge-offs (x) | 37.0373% | 1,446 |
| Efficiency ratio | 59.8894% | 3,475 |
| Assets per employee ($millions) | 4.9602% | 3,430 |
| Cash dividends to net income (ytd only)* | 60.5920% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,704 |
| Loan loss allowance to noncurrent loans | 326.6422% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 2,976 |
| Noncurrent loans to loans | 0.3818% | 2,838 |
| Net loans and leases to total assets | 59.9148% | 2,873 |
| Net loans and leases to deposits | 73.9983% | 2,482 |
| Net loans and leases to core deposits | 80.2759% | 2,342 |
| Total domestic deposits to total assets | 80.9678% | 3,874 |
| Equity capital to assets | 9.6128% | 3,497 |
| Core capital (leverage) ratio | 8.9630% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,164,021,600 | 768 |
| Average earning assets | $1,085,649,000 | 758 |
| Average equity | $120,748,800 | 817 |
| Average total loans | $751,648,400 | 827 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 2,997 |
| Cost of funding earning assets | 0.5620% | 2,855 |
| Net interest margin | 3.4281% | 2,821 |
| Noninterest income to average assets | 0.6534% | 1,973 |
| Noninterest expense to average assets | 2.4973% | 2,861 |
| Loan and lease loss provision to assets | 0.0265% | 4,007 |
| Net operating income to assets | 1.1108% | 1,949 |
| Return on assets (ROA) | 1.1108% | 2,068 |
| Pretax return on assets | 1.3271% | 1,947 |
| Return on Equity (ROE) | 10.4885% | 1,847 |
| Retained earnings to average equity (ytd only) | 7.3061% | 1,587 |
| Net charge-offs to loans | 0.0461% | 1,956 |
| Credit loss provision to net charge-offs | 87.5486% | 2,712 |
| Earnings coverage of net charge-offs (x) | 44.6926% | 1,275 |
| Efficiency ratio | 60.3727% | 3,337 |
| Assets per employee ($millions) | 4.6488% | 3,658 |
| Cash dividends to net income (ytd only)* | 30.3416% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,597 |
| Loan loss allowance to noncurrent loans | 327.6786% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,005 |
| Noncurrent loans to loans | 0.3700% | 2,957 |
| Net loans and leases to total assets | 64.3276% | 2,730 |
| Net loans and leases to deposits | 80.5126% | 2,263 |
| Net loans and leases to core deposits | 87.7632% | 2,169 |
| Total domestic deposits to total assets | 79.8976% | 3,886 |
| Equity capital to assets | 10.4523% | 2,834 |
| Core capital (leverage) ratio | 9.3434% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,131,371,250 | 781 |
| Average earning assets | $1,055,304,750 | 763 |
| Average equity | $119,823,500 | 819 |
| Average total loans | $743,193,750 | 829 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,231 |
| Cost of funding earning assets | 0.5889% | 3,023 |
| Net interest margin | 3.4488% | 2,947 |
| Noninterest income to average assets | 0.6214% | 2,054 |
| Noninterest expense to average assets | 2.5060% | 2,946 |
| Loan and lease loss provision to assets | 0.0271% | 3,912 |
| Net operating income to assets | 1.0962% | 1,979 |
| Return on assets (ROA) | 1.0962% | 2,098 |
| Pretax return on assets | 1.2981% | 2,034 |
| Return on Equity (ROE) | 10.3015% | 1,883 |
| Retained earnings to average equity (ytd only) | 7.8366% | 1,358 |
| Net charge-offs to loans | -0.0225% | 4,445 |
| Credit loss provision to net charge-offs | -182.9268% | 3,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8008% | 3,308 |
| Assets per employee ($millions) | 4.6564% | 3,591 |
| Cash dividends to net income (ytd only)* | 23.9274% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,141 |
| Loan loss allowance to noncurrent loans | 247.2769% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 2,916 |
| Noncurrent loans to loans | 0.5147% | 2,613 |
| Net loans and leases to total assets | 64.5698% | 2,810 |
| Net loans and leases to deposits | 81.5326% | 2,256 |
| Net loans and leases to core deposits | 87.5403% | 2,297 |
| Total domestic deposits to total assets | 79.1950% | 4,004 |
| Equity capital to assets | 10.5751% | 2,684 |
| Core capital (leverage) ratio | 9.6427% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,105,602,000 | 787 |
| Average earning assets | $1,029,004,000 | 767 |
| Average equity | $117,653,000 | 823 |
| Average total loans | $728,573,000 | 832 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,269 |
| Cost of funding earning assets | 0.6396% | 3,227 |
| Net interest margin | 3.5453% | 2,832 |
| Noninterest income to average assets | 0.6509% | 1,828 |
| Noninterest expense to average assets | 2.6397% | 2,857 |
| Loan and lease loss provision to assets | 0.0281% | 3,438 |
| Net operating income to assets | 1.0672% | 1,943 |
| Return on assets (ROA) | 1.0672% | 2,046 |
| Pretax return on assets | 1.2714% | 1,963 |
| Return on Equity (ROE) | 9.9940% | 1,750 |
| Retained earnings to average equity (ytd only) | 9.9940% | 746 |
| Net charge-offs to loans | -0.0650% | 4,708 |
| Credit loss provision to net charge-offs | -65.2174% | 3,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3777% | 3,453 |
| Assets per employee ($millions) | 4.1772% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,818 |
| Loan loss allowance to noncurrent loans | 292.2778% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,209 |
| Noncurrent loans to loans | 0.4681% | 2,843 |
| Net loans and leases to total assets | 65.0688% | 2,934 |
| Net loans and leases to deposits | 82.4294% | 2,398 |
| Net loans and leases to core deposits | 89.3442% | 2,408 |
| Total domestic deposits to total assets | 78.9388% | 4,063 |
| Equity capital to assets | 11.2368% | 2,651 |
| Core capital (leverage) ratio | 10.0723% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,069,366,000 | 777 |
| Average earning assets | $991,857,000 | 760 |
| Average equity | $114,188,500 | 838 |
| Average total loans | $707,616,000 | 830 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 3,394 |
| Cost of funding earning assets | 0.6992% | 3,160 |
| Net interest margin | 3.6503% | 2,966 |
| Noninterest income to average assets | 0.7370% | 1,670 |
| Noninterest expense to average assets | 2.5271% | 3,375 |
| Loan and lease loss provision to assets | 0.0330% | 3,354 |
| Net operating income to assets | 1.3551% | 1,489 |
| Return on assets (ROA) | 1.3551% | 1,572 |
| Pretax return on assets | 1.5352% | 1,698 |
| Return on Equity (ROE) | 12.7805% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.3323% | 3,859 |
| Net charge-offs to loans | -0.0903% | 4,938 |
| Credit loss provision to net charge-offs | -56.4972% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6390% | 3,599 |
| Assets per employee ($millions) | 4.1228% | 3,735 |
| Cash dividends to net income (ytd only)* | 81.7511% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,000 |
| Loan loss allowance to noncurrent loans | 353.1538% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,273 |
| Noncurrent loans to loans | 0.4498% | 2,828 |
| Net loans and leases to total assets | 63.3722% | 3,269 |
| Net loans and leases to deposits | 80.2315% | 2,754 |
| Net loans and leases to core deposits | 86.4712% | 2,756 |
| Total domestic deposits to total assets | 78.9867% | 4,190 |
| Equity capital to assets | 10.3704% | 3,572 |
| Core capital (leverage) ratio | 10.2147% | 3,283 |
| Tier 1 risk-based capital ratio | 13.9429% | 3,300 |
| Total risk-based capital ratio | 15.1952% | 3,200 |
| Memoranda: | ||
| Average total assets | $909,466,600 | 870 |
| Average earning assets | $836,708,200 | 865 |
| Average equity | $96,428,200 | 926 |
| Average total loans | $588,241,600 | 922 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 3,443 |
| Cost of funding earning assets | 0.6915% | 3,253 |
| Net interest margin | 3.6804% | 2,991 |
| Noninterest income to average assets | 0.7373% | 1,630 |
| Noninterest expense to average assets | 2.5054% | 3,423 |
| Loan and lease loss provision to assets | 0.0332% | 3,244 |
| Net operating income to assets | 1.3963% | 1,483 |
| Return on assets (ROA) | 1.3963% | 1,544 |
| Pretax return on assets | 1.5820% | 1,694 |
| Return on Equity (ROE) | 13.0945% | 1,246 |
| Retained earnings to average equity (ytd only) | 6.6477% | 2,035 |
| Net charge-offs to loans | -0.0873% | 4,969 |
| Credit loss provision to net charge-offs | -58.7467% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7334% | 3,692 |
| Assets per employee ($millions) | 4.0767% | 3,794 |
| Cash dividends to net income (ytd only)* | 49.2332% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,047 |
| Loan loss allowance to noncurrent loans | 373.1844% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 3,466 |
| Noncurrent loans to loans | 0.4221% | 3,038 |
| Net loans and leases to total assets | 63.4215% | 3,345 |
| Net loans and leases to deposits | 80.8338% | 2,818 |
| Net loans and leases to core deposits | 87.1294% | 2,809 |
| Total domestic deposits to total assets | 78.4591% | 4,275 |
| Equity capital to assets | 10.8481% | 3,251 |
| Core capital (leverage) ratio | 10.6947% | 2,938 |
| Tier 1 risk-based capital ratio | 14.4203% | 3,123 |
| Total risk-based capital ratio | 15.6723% | 3,030 |
| Memoranda: | ||
| Average total assets | $902,866,250 | 876 |
| Average earning assets | $830,003,500 | 868 |
| Average equity | $96,272,000 | 929 |
| Average total loans | $584,638,500 | 926 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 3,472 |
| Cost of funding earning assets | 0.6792% | 3,279 |
| Net interest margin | 3.6762% | 3,004 |
| Noninterest income to average assets | 0.7115% | 1,670 |
| Noninterest expense to average assets | 2.5011% | 3,476 |
| Loan and lease loss provision to assets | 0.0335% | 3,158 |
| Net operating income to assets | 1.3866% | 1,470 |
| Return on assets (ROA) | 1.3866% | 1,530 |
| Pretax return on assets | 1.5532% | 1,684 |
| Return on Equity (ROE) | 13.0819% | 1,210 |
| Retained earnings to average equity (ytd only) | 10.3885% | 656 |
| Net charge-offs to loans | -0.1128% | 5,021 |
| Credit loss provision to net charge-offs | -45.7317% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0993% | 3,713 |
| Assets per employee ($millions) | 4.2378% | 3,513 |
| Cash dividends to net income (ytd only)* | 20.5887% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 1,072 |
| Loan loss allowance to noncurrent loans | 271.5548% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 2,874 |
| Noncurrent loans to loans | 0.5821% | 2,515 |
| Net loans and leases to total assets | 63.0238% | 3,446 |
| Net loans and leases to deposits | 79.8873% | 2,967 |
| Net loans and leases to core deposits | 85.8592% | 2,972 |
| Total domestic deposits to total assets | 78.8909% | 4,243 |
| Equity capital to assets | 10.9291% | 3,149 |
| Core capital (leverage) ratio | 10.8213% | 2,769 |
| Tier 1 risk-based capital ratio | 14.7198% | 2,952 |
| Total risk-based capital ratio | 15.9719% | 2,882 |
| Memoranda: | ||
| Average total assets | $896,711,330 | 877 |
| Average earning assets | $823,556,670 | 873 |
| Average equity | $95,047,000 | 934 |
| Average total loans | $581,626,670 | 932 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 3,505 |
| Cost of funding earning assets | 0.6603% | 3,262 |
| Net interest margin | 3.6589% | 3,045 |
| Noninterest income to average assets | 0.6898% | 1,647 |
| Noninterest expense to average assets | 2.4558% | 3,617 |
| Loan and lease loss provision to assets | 0.0337% | 2,955 |
| Net operating income to assets | 1.3513% | 1,523 |
| Return on assets (ROA) | 1.3513% | 1,560 |
| Pretax return on assets | 1.5595% | 1,579 |
| Return on Equity (ROE) | 12.9552% | 1,233 |
| Retained earnings to average equity (ytd only) | 10.1529% | 997 |
| Net charge-offs to loans | -0.1846% | 5,163 |
| Credit loss provision to net charge-offs | -27.9851% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5513% | 3,875 |
| Assets per employee ($millions) | 4.1823% | 3,651 |
| Cash dividends to net income (ytd only)* | 21.6306% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 1,184 |
| Loan loss allowance to noncurrent loans | 364.6870% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,343 |
| Noncurrent loans to loans | 0.4250% | 3,063 |
| Net loans and leases to total assets | 63.9048% | 3,296 |
| Net loans and leases to deposits | 80.1343% | 2,825 |
| Net loans and leases to core deposits | 85.5278% | 2,909 |
| Total domestic deposits to total assets | 79.7471% | 4,214 |
| Equity capital to assets | 10.5375% | 3,314 |
| Core capital (leverage) ratio | 10.7466% | 2,805 |
| Tier 1 risk-based capital ratio | 14.3721% | 3,158 |
| Total risk-based capital ratio | 15.6240% | 3,086 |
| Memoranda: | ||
| Average total assets | $889,502,500 | 884 |
| Average earning assets | $816,630,500 | 882 |
| Average equity | $92,781,500 | 944 |
| Average total loans | $580,715,000 | 941 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 3,433 |
| Cost of funding earning assets | 0.5871% | 2,806 |
| Net interest margin | 3.6189% | 3,316 |
| Noninterest income to average assets | 0.7153% | 1,786 |
| Noninterest expense to average assets | 2.2393% | 4,245 |
| Loan and lease loss provision to assets | 0.2114% | 881 |
| Net operating income to assets | 1.3866% | 1,474 |
| Return on assets (ROA) | 1.3868% | 1,471 |
| Pretax return on assets | 1.5889% | 1,501 |
| Return on Equity (ROE) | 13.8793% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.4333% | 2,515 |
| Net charge-offs to loans | 0.1548% | 1,241 |
| Credit loss provision to net charge-offs | 214.3685% | 1,351 |
| Earnings coverage of net charge-offs (x) | 18.2572% | 2,145 |
| Efficiency ratio | 53.5933% | 4,652 |
| Assets per employee ($millions) | 4.0352% | 3,852 |
| Cash dividends to net income (ytd only)* | 60.8534% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,227 |
| Loan loss allowance to noncurrent loans | 334.4168% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 3,345 |
| Noncurrent loans to loans | 0.4547% | 2,901 |
| Net loans and leases to total assets | 64.6731% | 3,280 |
| Net loans and leases to deposits | 81.2934% | 2,819 |
| Net loans and leases to core deposits | 85.8806% | 2,926 |
| Total domestic deposits to total assets | 79.5551% | 4,201 |
| Equity capital to assets | 10.3206% | 3,355 |
| Core capital (leverage) ratio | 10.5018% | 3,025 |
| Tier 1 risk-based capital ratio | 14.0437% | 3,272 |
| Total risk-based capital ratio | 15.2951% | 3,204 |
| Memoranda: | ||
| Average total assets | $875,325,000 | 872 |
| Average earning assets | $804,006,400 | 878 |
| Average equity | $87,461,000 | 957 |
| Average total loans | $557,464,400 | 947 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 3,364 |
| Cost of funding earning assets | 0.5735% | 2,676 |
| Net interest margin | 3.6131% | 3,323 |
| Noninterest income to average assets | 0.7091% | 1,836 |
| Noninterest expense to average assets | 2.4526% | 3,723 |
| Loan and lease loss provision to assets | 0.2057% | 826 |
| Net operating income to assets | 1.2137% | 2,182 |
| Return on assets (ROA) | 1.2140% | 2,183 |
| Pretax return on assets | 1.3699% | 2,343 |
| Return on Equity (ROE) | 12.2502% | 1,700 |
| Retained earnings to average equity (ytd only) | 4.6148% | 3,443 |
| Net charge-offs to loans | 0.1825% | 918 |
| Credit loss provision to net charge-offs | 178.3355% | 1,509 |
| Earnings coverage of net charge-offs (x) | 13.6605% | 2,334 |
| Efficiency ratio | 59.0409% | 3,960 |
| Assets per employee ($millions) | 4.0315% | 3,831 |
| Cash dividends to net income (ytd only)* | 62.3290% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,442 |
| Loan loss allowance to noncurrent loans | 360.0690% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,627 |
| Noncurrent loans to loans | 0.4092% | 3,184 |
| Net loans and leases to total assets | 63.5265% | 3,481 |
| Net loans and leases to deposits | 79.3918% | 3,102 |
| Net loans and leases to core deposits | 84.0563% | 3,150 |
| Total domestic deposits to total assets | 80.0165% | 4,120 |
| Equity capital to assets | 9.8728% | 3,764 |
| Core capital (leverage) ratio | 10.2703% | 3,333 |
| Tier 1 risk-based capital ratio | 13.8245% | 3,455 |
| Total risk-based capital ratio | 15.0750% | 3,364 |
| Memoranda: | ||
| Average total assets | $875,246,750 | 869 |
| Average earning assets | $803,940,500 | 872 |
| Average equity | $86,733,500 | 961 |
| Average total loans | $553,068,750 | 956 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,308 |
| Cost of funding earning assets | 0.5568% | 2,550 |
| Net interest margin | 3.5853% | 3,370 |
| Noninterest income to average assets | 0.6485% | 2,098 |
| Noninterest expense to average assets | 2.4068% | 3,879 |
| Loan and lease loss provision to assets | 0.2059% | 820 |
| Net operating income to assets | 1.1870% | 2,252 |
| Return on assets (ROA) | 1.1874% | 2,251 |
| Pretax return on assets | 1.3324% | 2,386 |
| Return on Equity (ROE) | 11.9670% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.2346% | 1,960 |
| Net charge-offs to loans | 0.2600% | 618 |
| Credit loss provision to net charge-offs | 126.2272% | 1,749 |
| Earnings coverage of net charge-offs (x) | 9.4264% | 2,397 |
| Efficiency ratio | 59.1218% | 4,068 |
| Assets per employee ($millions) | 4.1680% | 3,633 |
| Cash dividends to net income (ytd only)* | 39.5452% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,605 |
| Loan loss allowance to noncurrent loans | 146.5597% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 2,340 |
| Noncurrent loans to loans | 0.9817% | 1,782 |
| Net loans and leases to total assets | 61.3047% | 3,672 |
| Net loans and leases to deposits | 76.0936% | 3,315 |
| Net loans and leases to core deposits | 80.4159% | 3,382 |
| Total domestic deposits to total assets | 80.5649% | 4,110 |
| Equity capital to assets | 9.8831% | 3,737 |
| Core capital (leverage) ratio | 10.3766% | 3,161 |
| Tier 1 risk-based capital ratio | 14.0615% | 3,325 |
| Total risk-based capital ratio | 15.3115% | 3,247 |
| Memoranda: | ||
| Average total assets | $874,039,670 | 874 |
| Average earning assets | $803,567,670 | 874 |
| Average equity | $86,721,670 | 964 |
| Average total loans | $548,537,000 | 961 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 3,248 |
| Cost of funding earning assets | 0.5315% | 2,532 |
| Net interest margin | 3.5653% | 3,296 |
| Noninterest income to average assets | 0.6435% | 2,064 |
| Noninterest expense to average assets | 2.4175% | 3,901 |
| Loan and lease loss provision to assets | 0.2076% | 788 |
| Net operating income to assets | 1.1662% | 2,151 |
| Return on assets (ROA) | 1.1670% | 2,162 |
| Pretax return on assets | 1.2962% | 2,379 |
| Return on Equity (ROE) | 11.7385% | 1,673 |
| Retained earnings to average equity (ytd only) | 2.2178% | 4,283 |
| Net charge-offs to loans | -0.0776% | 5,140 |
| Credit loss provision to net charge-offs | -424.5283% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7482% | 4,094 |
| Assets per employee ($millions) | 4.0880% | 3,825 |
| Cash dividends to net income (ytd only)* | 81.1067% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,372 |
| Loan loss allowance to noncurrent loans | 99.7002% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 1,639 |
| Noncurrent loans to loans | 1.5294% | 1,145 |
| Net loans and leases to total assets | 61.0841% | 3,639 |
| Net loans and leases to deposits | 75.1101% | 3,306 |
| Net loans and leases to core deposits | 79.5066% | 3,362 |
| Total domestic deposits to total assets | 81.3262% | 4,129 |
| Equity capital to assets | 9.6970% | 3,885 |
| Core capital (leverage) ratio | 10.1884% | 3,319 |
| Tier 1 risk-based capital ratio | 13.8264% | 3,484 |
| Total risk-based capital ratio | 15.0774% | 3,390 |
| Memoranda: | ||
| Average total assets | $867,164,500 | 885 |
| Average earning assets | $797,023,500 | 886 |
| Average equity | $86,212,000 | 973 |
| Average total loans | $546,704,500 | 971 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 3,047 |
| Cost of funding earning assets | 0.4934% | 2,391 |
| Net interest margin | 3.6095% | 3,135 |
| Noninterest income to average assets | 0.6604% | 2,135 |
| Noninterest expense to average assets | 2.6616% | 3,254 |
| Loan and lease loss provision to assets | 0.3245% | 515 |
| Net operating income to assets | 0.8728% | 2,849 |
| Return on assets (ROA) | 0.8750% | 2,865 |
| Pretax return on assets | 0.9756% | 3,656 |
| Return on Equity (ROE) | 8.6662% | 2,467 |
| Retained earnings to average equity (ytd only) | 3.2911% | 3,330 |
| Net charge-offs to loans | 0.2759% | 950 |
| Credit loss provision to net charge-offs | 192.0462% | 1,416 |
| Earnings coverage of net charge-offs (x) | 7.6805% | 3,015 |
| Efficiency ratio | 63.0704% | 3,766 |
| Assets per employee ($millions) | 4.0354% | 3,906 |
| Cash dividends to net income (ytd only)* | 62.0242% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,705 |
| Loan loss allowance to noncurrent loans | 81.1506% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 1,214 |
| Noncurrent loans to loans | 1.7438% | 926 |
| Net loans and leases to total assets | 63.1745% | 3,467 |
| Net loans and leases to deposits | 77.6921% | 3,152 |
| Net loans and leases to core deposits | 82.1292% | 3,235 |
| Total domestic deposits to total assets | 81.3140% | 4,049 |
| Equity capital to assets | 10.2028% | 3,486 |
| Core capital (leverage) ratio | 10.1104% | 3,302 |
| Tier 1 risk-based capital ratio | 13.7539% | 3,494 |
| Total risk-based capital ratio | 14.9996% | 3,411 |
| Memoranda: | ||
| Average total assets | $870,657,000 | 855 |
| Average earning assets | $795,709,800 | 866 |
| Average equity | $87,904,600 | 923 |
| Average total loans | $533,226,600 | 959 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,569 |
| Cost of funding earning assets | 0.4961% | 2,298 |
| Net interest margin | 3.4408% | 3,706 |
| Noninterest income to average assets | 0.6578% | 2,173 |
| Noninterest expense to average assets | 2.4676% | 3,830 |
| Loan and lease loss provision to assets | 0.3278% | 461 |
| Net operating income to assets | 0.8259% | 3,410 |
| Return on assets (ROA) | 0.8278% | 3,433 |
| Pretax return on assets | 1.0057% | 3,664 |
| Return on Equity (ROE) | 8.2200% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.1478% | 4,031 |
| Net charge-offs to loans | 0.2402% | 887 |
| Credit loss provision to net charge-offs | 225.3669% | 1,233 |
| Earnings coverage of net charge-offs (x) | 9.1520% | 2,720 |
| Efficiency ratio | 61.8784% | 3,904 |
| Assets per employee ($millions) | 4.0263% | 3,945 |
| Cash dividends to net income (ytd only)* | 61.7057% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,854 |
| Loan loss allowance to noncurrent loans | 66.4132% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 1,076 |
| Noncurrent loans to loans | 2.1183% | 777 |
| Net loans and leases to total assets | 61.2337% | 3,747 |
| Net loans and leases to deposits | 75.3535% | 3,434 |
| Net loans and leases to core deposits | 80.0944% | 3,448 |
| Total domestic deposits to total assets | 81.2619% | 3,980 |
| Equity capital to assets | 10.2778% | 3,609 |
| Core capital (leverage) ratio | 9.9956% | 3,568 |
| Tier 1 risk-based capital ratio | 13.7698% | 3,540 |
| Total risk-based capital ratio | 15.0034% | 3,487 |
| Memoranda: | ||
| Average total assets | $874,446,250 | 862 |
| Average earning assets | $798,276,500 | 865 |
| Average equity | $88,059,500 | 924 |
| Average total loans | $529,479,250 | 970 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 3,575 |
| Cost of funding earning assets | 0.4982% | 2,172 |
| Net interest margin | 3.3941% | 3,793 |
| Noninterest income to average assets | 0.6429% | 2,236 |
| Noninterest expense to average assets | 2.4650% | 3,867 |
| Loan and lease loss provision to assets | 0.3367% | 435 |
| Net operating income to assets | 0.7660% | 3,564 |
| Return on assets (ROA) | 0.7660% | 3,610 |
| Pretax return on assets | 0.9347% | 3,810 |
| Return on Equity (ROE) | 7.6582% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.7452% | 1,719 |
| Net charge-offs to loans | 0.1483% | 1,262 |
| Credit loss provision to net charge-offs | 378.2051% | 820 |
| Earnings coverage of net charge-offs (x) | 14.2795% | 2,083 |
| Efficiency ratio | 62.8498% | 3,840 |
| Assets per employee ($millions) | 4.2158% | 3,588 |
| Cash dividends to net income (ytd only)* | 11.9225% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,877 |
| Loan loss allowance to noncurrent loans | 56.3983% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6992% | 845 |
| Noncurrent loans to loans | 2.5120% | 593 |
| Net loans and leases to total assets | 58.8549% | 3,936 |
| Net loans and leases to deposits | 71.9371% | 3,747 |
| Net loans and leases to core deposits | 77.5777% | 3,635 |
| Total domestic deposits to total assets | 81.8145% | 3,939 |
| Equity capital to assets | 10.2290% | 3,647 |
| Core capital (leverage) ratio | 10.0004% | 3,537 |
| Tier 1 risk-based capital ratio | 13.8503% | 3,504 |
| Total risk-based capital ratio | 15.0640% | 3,447 |
| Memoranda: | ||
| Average total assets | $876,034,000 | 865 |
| Average earning assets | $798,447,330 | 870 |
| Average equity | $87,618,000 | 931 |
| Average total loans | $525,926,330 | 976 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 4,083 |
| Cost of funding earning assets | 0.5032% | 2,064 |
| Net interest margin | 3.2081% | 4,314 |
| Noninterest income to average assets | 0.6674% | 2,105 |
| Noninterest expense to average assets | 2.4398% | 4,001 |
| Loan and lease loss provision to assets | 0.2180% | 733 |
| Net operating income to assets | 0.7735% | 3,346 |
| Return on assets (ROA) | 0.7735% | 3,402 |
| Pretax return on assets | 0.9419% | 3,620 |
| Return on Equity (ROE) | 7.8237% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.9665% | 2,360 |
| Net charge-offs to loans | 0.2242% | 800 |
| Credit loss provision to net charge-offs | 161.5646% | 1,159 |
| Earnings coverage of net charge-offs (x) | 8.5952% | 2,049 |
| Efficiency ratio | 64.5116% | 3,755 |
| Assets per employee ($millions) | 4.2325% | 3,614 |
| Cash dividends to net income (ytd only)* | 23.7389% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,847 |
| Loan loss allowance to noncurrent loans | 66.1576% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 1,385 |
| Noncurrent loans to loans | 1.8847% | 973 |
| Net loans and leases to total assets | 58.9479% | 3,889 |
| Net loans and leases to deposits | 71.5317% | 3,650 |
| Net loans and leases to core deposits | 77.2976% | 3,531 |
| Total domestic deposits to total assets | 82.4081% | 4,056 |
| Equity capital to assets | 9.8782% | 3,901 |
| Core capital (leverage) ratio | 9.8345% | 3,713 |
| Tier 1 risk-based capital ratio | 13.6153% | 3,708 |
| Total risk-based capital ratio | 14.6901% | 3,729 |
| Memoranda: | ||
| Average total assets | $871,396,500 | 871 |
| Average earning assets | $796,481,000 | 881 |
| Average equity | $86,148,000 | 946 |
| Average total loans | $524,621,500 | 977 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,086 |
| Cost of funding earning assets | 0.5649% | 1,569 |
| Net interest margin | 3.4676% | 3,557 |
| Noninterest income to average assets | 0.6080% | 2,618 |
| Noninterest expense to average assets | 2.6226% | 3,610 |
| Loan and lease loss provision to assets | 0.1308% | 1,904 |
| Net operating income to assets | 0.8212% | 3,201 |
| Return on assets (ROA) | 0.8240% | 3,284 |
| Pretax return on assets | 1.0179% | 3,416 |
| Return on Equity (ROE) | 8.2545% | 2,809 |
| Retained earnings to average equity (ytd only) | 5.0117% | 2,339 |
| Net charge-offs to loans | 0.2144% | 1,294 |
| Credit loss provision to net charge-offs | 101.5228% | 2,533 |
| Earnings coverage of net charge-offs (x) | 8.8904% | 2,823 |
| Efficiency ratio | 66.5625% | 3,502 |
| Assets per employee ($millions) | 3.8313% | 4,249 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,950 |
| Loan loss allowance to noncurrent loans | 79.5305% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 1,944 |
| Noncurrent loans to loans | 1.5447% | 1,289 |
| Net loans and leases to total assets | 59.9868% | 3,854 |
| Net loans and leases to deposits | 72.4320% | 3,666 |
| Net loans and leases to core deposits | 78.5601% | 3,528 |
| Total domestic deposits to total assets | 82.8181% | 3,825 |
| Equity capital to assets | 9.8944% | 3,825 |
| Core capital (leverage) ratio | 9.8081% | 3,734 |
| Tier 1 risk-based capital ratio | 13.4687% | 3,788 |
| Total risk-based capital ratio | 14.5162% | 3,832 |
| Memoranda: | ||
| Average total assets | $764,582,200 | 944 |
| Average earning assets | $696,745,000 | 955 |
| Average equity | $76,321,800 | 1,040 |
| Average total loans | $459,366,200 | 1,061 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,027 |
| Cost of funding earning assets | 0.5789% | 1,493 |
| Net interest margin | 3.4737% | 3,567 |
| Noninterest income to average assets | 0.6165% | 2,583 |
| Noninterest expense to average assets | 2.6652% | 3,446 |
| Loan and lease loss provision to assets | 0.1124% | 2,048 |
| Net operating income to assets | 0.8371% | 3,205 |
| Return on assets (ROA) | 0.8410% | 3,309 |
| Pretax return on assets | 1.0085% | 3,600 |
| Return on Equity (ROE) | 8.4035% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.1788% | 1,100 |
| Net charge-offs to loans | 0.1601% | 1,419 |
| Credit loss provision to net charge-offs | 117.2608% | 2,133 |
| Earnings coverage of net charge-offs (x) | 11.6416% | 2,467 |
| Efficiency ratio | 68.0129% | 3,221 |
| Assets per employee ($millions) | 3.9971% | 3,971 |
| Cash dividends to net income (ytd only)* | 2.6738% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,887 |
| Loan loss allowance to noncurrent loans | 78.0911% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 2,071 |
| Noncurrent loans to loans | 1.6153% | 1,332 |
| Net loans and leases to total assets | 59.0215% | 3,990 |
| Net loans and leases to deposits | 72.1319% | 3,793 |
| Net loans and leases to core deposits | 78.2814% | 3,637 |
| Total domestic deposits to total assets | 81.8243% | 3,990 |
| Equity capital to assets | 10.3833% | 3,701 |
| Core capital (leverage) ratio | 9.9429% | 3,639 |
| Tier 1 risk-based capital ratio | 13.9818% | 3,565 |
| Total risk-based capital ratio | 15.0745% | 3,579 |
| Memoranda: | ||
| Average total assets | $741,175,500 | 976 |
| Average earning assets | $675,296,000 | 988 |
| Average equity | $74,173,500 | 1,077 |
| Average total loans | $443,904,000 | 1,104 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 3,407 |
| Cost of funding earning assets | 0.5940% | 1,363 |
| Net interest margin | 3.3607% | 4,020 |
| Noninterest income to average assets | 0.5905% | 2,667 |
| Noninterest expense to average assets | 2.6134% | 3,678 |
| Loan and lease loss provision to assets | 0.0712% | 2,709 |
| Net operating income to assets | 0.7904% | 3,354 |
| Return on assets (ROA) | 0.7963% | 3,468 |
| Pretax return on assets | 0.9701% | 3,703 |
| Return on Equity (ROE) | 8.0805% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.0805% | 1,147 |
| Net charge-offs to loans | 0.0998% | 1,834 |
| Credit loss provision to net charge-offs | 119.0476% | 1,880 |
| Earnings coverage of net charge-offs (x) | 17.2810% | 1,881 |
| Efficiency ratio | 70.3883% | 2,922 |
| Assets per employee ($millions) | 4.1663% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 3,021 |
| Loan loss allowance to noncurrent loans | 97.8685% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 2,620 |
| Noncurrent loans to loans | 1.2863% | 1,762 |
| Net loans and leases to total assets | 58.4598% | 4,074 |
| Net loans and leases to deposits | 71.1290% | 3,872 |
| Net loans and leases to core deposits | 77.0228% | 3,736 |
| Total domestic deposits to total assets | 82.1884% | 3,940 |
| Equity capital to assets | 10.1826% | 3,997 |
| Core capital (leverage) ratio | 9.6299% | 4,026 |
| Tier 1 risk-based capital ratio | 13.9037% | 3,658 |
| Total risk-based capital ratio | 15.0073% | 3,663 |
| Memoranda: | ||
| Average total assets | $701,774,330 | 1,026 |
| Average earning assets | $638,381,330 | 1,028 |
| Average equity | $69,154,000 | 1,144 |
| Average total loans | $420,639,330 | 1,160 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 2,479 |
| Cost of funding earning assets | 0.6572% | 1,018 |
| Net interest margin | 3.5412% | 3,318 |
| Noninterest income to average assets | 0.6050% | 2,499 |
| Noninterest expense to average assets | 2.4317% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0982% | 1,910 |
| Return on assets (ROA) | 1.1109% | 1,963 |
| Pretax return on assets | 1.4077% | 1,881 |
| Return on Equity (ROE) | 11.5408% | 1,448 |
| Retained earnings to average equity (ytd only) | 11.5408% | 572 |
| Net charge-offs to loans | 0.0692% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 33.2615% | 1,120 |
| Efficiency ratio | 63.6027% | 4,188 |
| Assets per employee ($millions) | 3.7835% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 1,397 |
| Loan loss allowance to noncurrent loans | 218.8647% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 3,669 |
| Noncurrent loans to loans | 0.7703% | 2,913 |
| Net loans and leases to total assets | 58.7103% | 3,963 |
| Net loans and leases to deposits | 72.4183% | 3,613 |
| Net loans and leases to core deposits | 79.3116% | 3,383 |
| Total domestic deposits to total assets | 81.0710% | 4,479 |
| Equity capital to assets | 9.7457% | 4,403 |
| Core capital (leverage) ratio | 9.5441% | 4,110 |
| Tier 1 risk-based capital ratio | 13.8745% | 3,772 |
| Total risk-based capital ratio | 15.1277% | 3,703 |
| Memoranda: | ||
| Average total assets | $621,450,500 | 1,135 |
| Average earning assets | $564,782,500 | 1,149 |
| Average equity | $59,822,500 | 1,300 |
| Average total loans | $375,660,000 | 1,256 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,084 |
| Cost of funding earning assets | 0.7155% | 760 |
| Net interest margin | 3.3422% | 4,142 |
| Noninterest income to average assets | 0.6421% | 2,503 |
| Noninterest expense to average assets | 2.3681% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9964% | 2,380 |
| Return on assets (ROA) | 0.9964% | 2,480 |
| Pretax return on assets | 1.2865% | 2,332 |
| Return on Equity (ROE) | 10.6993% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.6428% | 743 |
| Net charge-offs to loans | -0.6177% | 6,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7978% | 4,115 |
| Assets per employee ($millions) | 3.7720% | 4,340 |
| Cash dividends to net income (ytd only)* | 19.2212% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 1,355 |
| Loan loss allowance to noncurrent loans | 314.2154% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 4,192 |
| Noncurrent loans to loans | 0.5403% | 3,544 |
| Net loans and leases to total assets | 60.1576% | 3,816 |
| Net loans and leases to deposits | 74.7273% | 3,406 |
| Net loans and leases to core deposits | 81.9473% | 3,155 |
| Total domestic deposits to total assets | 80.5028% | 4,610 |
| Equity capital to assets | 9.5043% | 4,545 |
| Core capital (leverage) ratio | 9.2982% | 4,478 |
| Tier 1 risk-based capital ratio | 13.4858% | 4,015 |
| Total risk-based capital ratio | 14.7394% | 3,951 |
| Memoranda: | ||
| Average total assets | $605,663,000 | 1,122 |
| Average earning assets | $545,928,200 | 1,159 |
| Average equity | $56,405,400 | 1,323 |
| Average total loans | $347,267,200 | 1,298 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 3,245 |
| Cost of funding earning assets | 0.7231% | 743 |
| Net interest margin | 3.3002% | 4,338 |
| Noninterest income to average assets | 0.6309% | 2,581 |
| Noninterest expense to average assets | 2.3598% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9665% | 2,637 |
| Return on assets (ROA) | 0.9665% | 2,723 |
| Pretax return on assets | 1.2474% | 2,615 |
| Return on Equity (ROE) | 10.4331% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.4331% | 564 |
| Net charge-offs to loans | -0.8376% | 6,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4190% | 3,984 |
| Assets per employee ($millions) | 3.8069% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 1,316 |
| Loan loss allowance to noncurrent loans | 340.8120% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 4,426 |
| Noncurrent loans to loans | 0.5201% | 3,796 |
| Net loans and leases to total assets | 58.0428% | 4,136 |
| Net loans and leases to deposits | 72.3922% | 3,721 |
| Net loans and leases to core deposits | 78.8084% | 3,527 |
| Total domestic deposits to total assets | 80.1783% | 4,701 |
| Equity capital to assets | 9.5893% | 4,647 |
| Core capital (leverage) ratio | 9.3356% | 4,536 |
| Tier 1 risk-based capital ratio | 13.3387% | 4,223 |
| Total risk-based capital ratio | 14.5927% | 4,145 |
| Memoranda: | ||
| Average total assets | $603,369,500 | 1,139 |
| Average earning assets | $544,158,250 | 1,162 |
| Average equity | $55,897,750 | 1,345 |
| Average total loans | $340,019,250 | 1,325 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,462 |
| Cost of funding earning assets | 0.7291% | 723 |
| Net interest margin | 3.2279% | 4,570 |
| Noninterest income to average assets | 0.6115% | 2,672 |
| Noninterest expense to average assets | 2.3197% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9271% | 2,746 |
| Return on assets (ROA) | 0.9271% | 2,866 |
| Pretax return on assets | 1.2111% | 2,726 |
| Return on Equity (ROE) | 10.1270% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.1270% | 639 |
| Net charge-offs to loans | -1.3630% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6998% | 4,068 |
| Assets per employee ($millions) | 3.7703% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 1,082 |
| Loan loss allowance to noncurrent loans | 302.1800% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 4,384 |
| Noncurrent loans to loans | 0.6429% | 3,553 |
| Net loans and leases to total assets | 54.5106% | 4,501 |
| Net loans and leases to deposits | 66.9149% | 4,234 |
| Net loans and leases to core deposits | 72.8269% | 4,055 |
| Total domestic deposits to total assets | 81.4626% | 4,461 |
| Equity capital to assets | 9.3210% | 4,872 |
| Core capital (leverage) ratio | 9.0668% | 4,867 |
| Tier 1 risk-based capital ratio | 13.7012% | 4,096 |
| Total risk-based capital ratio | 14.9563% | 4,030 |
| Memoranda: | ||
| Average total assets | $601,456,330 | 1,149 |
| Average earning assets | $543,937,330 | 1,161 |
| Average equity | $55,060,670 | 1,372 |
| Average total loans | $333,384,330 | 1,349 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 3,616 |
| Cost of funding earning assets | 0.7416% | 688 |
| Net interest margin | 3.1585% | 4,758 |
| Noninterest income to average assets | 0.5621% | 2,875 |
| Noninterest expense to average assets | 2.2559% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9751% | 2,365 |
| Return on assets (ROA) | 0.9751% | 2,500 |
| Pretax return on assets | 1.1882% | 2,717 |
| Return on Equity (ROE) | 10.7495% | 1,717 |
| Retained earnings to average equity (ytd only) | 10.7495% | 762 |
| Net charge-offs to loans | -2.7713% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4999% | 4,240 |
| Assets per employee ($millions) | 4.0695% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 1,108 |
| Loan loss allowance to noncurrent loans | 310.1374% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 4,555 |
| Noncurrent loans to loans | 0.6405% | 3,668 |
| Net loans and leases to total assets | 52.5671% | 4,603 |
| Net loans and leases to deposits | 64.5026% | 4,317 |
| Net loans and leases to core deposits | 69.9279% | 4,165 |
| Total domestic deposits to total assets | 81.4961% | 4,672 |
| Equity capital to assets | 9.0500% | 5,233 |
| Core capital (leverage) ratio | 9.0314% | 4,914 |
| Tier 1 risk-based capital ratio | 12.3455% | 5,014 |
| Total risk-based capital ratio | 13.5990% | 4,924 |
| Memoranda: | ||
| Average total assets | $600,564,500 | 1,152 |
| Average earning assets | $547,975,000 | 1,156 |
| Average equity | $54,477,000 | 1,397 |
| Average total loans | $332,404,000 | 1,354 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,290 |
| Cost of funding earning assets | 0.8701% | 461 |
| Net interest margin | 3.5087% | 3,756 |
| Noninterest income to average assets | 0.6284% | 2,692 |
| Noninterest expense to average assets | 2.5153% | 4,493 |
| Loan and lease loss provision to assets | 0.1037% | 2,423 |
| Net operating income to assets | 0.8962% | 2,894 |
| Return on assets (ROA) | 0.9009% | 2,957 |
| Pretax return on assets | 1.2591% | 2,402 |
| Return on Equity (ROE) | 9.9596% | 2,142 |
| Retained earnings to average equity (ytd only) | 3.0026% | 4,102 |
| Net charge-offs to loans | 0.9776% | 311 |
| Credit loss provision to net charge-offs | 18.6625% | 3,987 |
| Earnings coverage of net charge-offs (x) | 2.4401% | 4,150 |
| Efficiency ratio | 62.3694% | 4,852 |
| Assets per employee ($millions) | 3.7847% | 4,370 |
| Cash dividends to net income (ytd only)* | 69.8522% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 3,617 |
| Loan loss allowance to noncurrent loans | 150.1947% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 4,058 |
| Noncurrent loans to loans | 0.8427% | 3,209 |
| Net loans and leases to total assets | 56.4229% | 4,270 |
| Net loans and leases to deposits | 69.5615% | 3,970 |
| Net loans and leases to core deposits | 75.6864% | 3,743 |
| Total domestic deposits to total assets | 81.1123% | 4,713 |
| Equity capital to assets | 9.0929% | 5,189 |
| Core capital (leverage) ratio | 8.8632% | 5,166 |
| Tier 1 risk-based capital ratio | 13.3219% | 4,529 |
| Total risk-based capital ratio | 14.4417% | 4,522 |
| Memoranda: | ||
| Average total assets | $578,425,600 | 1,141 |
| Average earning assets | $534,644,800 | 1,131 |
| Average equity | $52,321,200 | 1,398 |
| Average total loans | $328,867,800 | 1,332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,445 |
| Cost of funding earning assets | 0.8890% | 439 |
| Net interest margin | 3.4542% | 4,002 |
| Noninterest income to average assets | 0.6230% | 2,726 |
| Noninterest expense to average assets | 2.5078% | 4,505 |
| Loan and lease loss provision to assets | 0.1041% | 2,306 |
| Net operating income to assets | 0.8589% | 3,129 |
| Return on assets (ROA) | 0.8652% | 3,189 |
| Pretax return on assets | 1.2124% | 2,729 |
| Return on Equity (ROE) | 9.5773% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.7118% | 3,272 |
| Net charge-offs to loans | 1.2173% | 223 |
| Credit loss provision to net charge-offs | 15.0602% | 3,635 |
| Earnings coverage of net charge-offs (x) | 1.8919% | 4,048 |
| Efficiency ratio | 64.4416% | 4,476 |
| Assets per employee ($millions) | 3.7693% | 4,353 |
| Cash dividends to net income (ytd only)* | 50.8022% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 3,652 |
| Loan loss allowance to noncurrent loans | 156.0130% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 4,405 |
| Noncurrent loans to loans | 0.8327% | 3,492 |
| Net loans and leases to total assets | 56.1804% | 4,306 |
| Net loans and leases to deposits | 68.7425% | 4,048 |
| Net loans and leases to core deposits | 74.5883% | 3,888 |
| Total domestic deposits to total assets | 81.7259% | 4,578 |
| Equity capital to assets | 9.1737% | 5,177 |
| Core capital (leverage) ratio | 8.8985% | 5,198 |
| Tier 1 risk-based capital ratio | 13.5045% | 4,536 |
| Total risk-based capital ratio | 14.6619% | 4,539 |
| Memoranda: | ||
| Average total assets | $576,374,000 | 1,153 |
| Average earning assets | $532,706,000 | 1,146 |
| Average equity | $52,066,000 | 1,409 |
| Average total loans | $327,275,250 | 1,343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 2,213 |
| Cost of funding earning assets | 0.9088% | 410 |
| Net interest margin | 3.4795% | 3,860 |
| Noninterest income to average assets | 0.5842% | 2,900 |
| Noninterest expense to average assets | 2.5192% | 4,516 |
| Loan and lease loss provision to assets | 0.1046% | 2,275 |
| Net operating income to assets | 0.8360% | 3,147 |
| Return on assets (ROA) | 0.8432% | 3,211 |
| Pretax return on assets | 1.1841% | 2,742 |
| Return on Equity (ROE) | 9.3840% | 2,423 |
| Retained earnings to average equity (ytd only) | 5.5047% | 2,629 |
| Net charge-offs to loans | 1.8365% | 128 |
| Credit loss provision to net charge-offs | 10.0368% | 3,303 |
| Earnings coverage of net charge-offs (x) | 1.2272% | 3,868 |
| Efficiency ratio | 65.0390% | 4,530 |
| Assets per employee ($millions) | 3.7631% | 4,329 |
| Cash dividends to net income (ytd only)* | 41.3394% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 3,898 |
| Loan loss allowance to noncurrent loans | 169.0312% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 4,458 |
| Noncurrent loans to loans | 0.7641% | 3,796 |
| Net loans and leases to total assets | 54.9933% | 4,409 |
| Net loans and leases to deposits | 67.3958% | 4,123 |
| Net loans and leases to core deposits | 73.4439% | 3,892 |
| Total domestic deposits to total assets | 81.5974% | 4,784 |
| Equity capital to assets | 9.2292% | 5,071 |
| Core capital (leverage) ratio | 8.9380% | 5,104 |
| Tier 1 risk-based capital ratio | 13.6953% | 4,458 |
| Total risk-based capital ratio | 14.8403% | 4,470 |
| Memoranda: | ||
| Average total assets | $573,753,330 | 1,152 |
| Average earning assets | $529,906,330 | 1,151 |
| Average equity | $51,556,000 | 1,413 |
| Average total loans | $325,518,330 | 1,338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 1,790 |
| Cost of funding earning assets | 0.9271% | 396 |
| Net interest margin | 3.5802% | 3,334 |
| Noninterest income to average assets | 0.5619% | 2,970 |
| Noninterest expense to average assets | 2.4426% | 4,807 |
| Loan and lease loss provision to assets | 0.1051% | 2,167 |
| Net operating income to assets | 0.9322% | 2,496 |
| Return on assets (ROA) | 0.9466% | 2,491 |
| Pretax return on assets | 1.3411% | 1,949 |
| Return on Equity (ROE) | 10.6815% | 1,792 |
| Retained earnings to average equity (ytd only) | 6.7283% | 2,179 |
| Net charge-offs to loans | 0.1603% | 1,758 |
| Credit loss provision to net charge-offs | 114.5038% | 1,502 |
| Earnings coverage of net charge-offs (x) | 15.5344% | 1,543 |
| Efficiency ratio | 61.8547% | 5,147 |
| Assets per employee ($millions) | 3.7671% | 4,383 |
| Cash dividends to net income (ytd only)* | 37.0096% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1321% | 1,270 |
| Loan loss allowance to noncurrent loans | 124.6059% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 3,138 |
| Noncurrent loans to loans | 1.7111% | 2,269 |
| Net loans and leases to total assets | 54.7683% | 4,313 |
| Net loans and leases to deposits | 67.1625% | 3,955 |
| Net loans and leases to core deposits | 72.8972% | 3,773 |
| Total domestic deposits to total assets | 81.5459% | 5,075 |
| Equity capital to assets | 8.9328% | 5,180 |
| Core capital (leverage) ratio | 8.9562% | 5,079 |
| Tier 1 risk-based capital ratio | 13.4929% | 4,684 |
| Total risk-based capital ratio | 14.7506% | 4,620 |
| Memoranda: | ||
| Average total assets | $570,874,500 | 1,165 |
| Average earning assets | $527,233,500 | 1,163 |
| Average equity | $50,592,000 | 1,433 |
| Average total loans | $326,846,500 | 1,332 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 1,467 |
| Cost of funding earning assets | 1.0232% | 399 |
| Net interest margin | 3.7190% | 2,981 |
| Noninterest income to average assets | 0.6439% | 2,841 |
| Noninterest expense to average assets | 2.5450% | 4,626 |
| Loan and lease loss provision to assets | 0.1626% | 2,242 |
| Net operating income to assets | 0.9960% | 2,340 |
| Return on assets (ROA) | 0.9960% | 2,416 |
| Pretax return on assets | 1.3717% | 1,895 |
| Return on Equity (ROE) | 10.8626% | 1,811 |
| Retained earnings to average equity (ytd only) | 7.4138% | 1,268 |
| Net charge-offs to loans | 0.1501% | 3,303 |
| Credit loss provision to net charge-offs | 184.0491% | 1,247 |
| Earnings coverage of net charge-offs (x) | 17.3640% | 1,724 |
| Efficiency ratio | 57.8162% | 5,759 |
| Assets per employee ($millions) | 3.6476% | 4,588 |
| Cash dividends to net income (ytd only)* | 31.7489% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 1,392 |
| Loan loss allowance to noncurrent loans | 122.1371% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 3,206 |
| Noncurrent loans to loans | 1.6956% | 2,369 |
| Net loans and leases to total assets | 57.3580% | 4,141 |
| Net loans and leases to deposits | 70.5573% | 3,718 |
| Net loans and leases to core deposits | 75.9095% | 3,618 |
| Total domestic deposits to total assets | 81.2928% | 5,100 |
| Equity capital to assets | 8.7902% | 5,271 |
| Core capital (leverage) ratio | 8.8681% | 5,186 |
| Tier 1 risk-based capital ratio | 13.0469% | 4,939 |
| Total risk-based capital ratio | 14.3041% | 4,885 |
| Memoranda: | ||
| Average total assets | $553,389,400 | 1,200 |
| Average earning assets | $511,216,800 | 1,184 |
| Average equity | $50,743,000 | 1,399 |
| Average total loans | $325,844,200 | 1,310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 1,362 |
| Cost of funding earning assets | 1.0373% | 413 |
| Net interest margin | 3.7551% | 2,823 |
| Noninterest income to average assets | 0.6487% | 2,888 |
| Noninterest expense to average assets | 2.6754% | 4,113 |
| Loan and lease loss provision to assets | 0.1635% | 2,211 |
| Net operating income to assets | 0.9438% | 2,622 |
| Return on assets (ROA) | 0.9438% | 2,729 |
| Pretax return on assets | 1.2791% | 2,412 |
| Return on Equity (ROE) | 10.1845% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.1845% | 752 |
| Net charge-offs to loans | 0.1623% | 2,936 |
| Credit loss provision to net charge-offs | 170.8861% | 1,397 |
| Earnings coverage of net charge-offs (x) | 15.0760% | 1,893 |
| Efficiency ratio | 59.5329% | 5,491 |
| Assets per employee ($millions) | 3.6347% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 1,629 |
| Loan loss allowance to noncurrent loans | 126.7094% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 3,542 |
| Noncurrent loans to loans | 1.6112% | 2,757 |
| Net loans and leases to total assets | 57.6669% | 4,066 |
| Net loans and leases to deposits | 71.0922% | 3,625 |
| Net loans and leases to core deposits | 76.6352% | 3,548 |
| Total domestic deposits to total assets | 81.1158% | 5,188 |
| Equity capital to assets | 9.0482% | 5,127 |
| Core capital (leverage) ratio | 9.0692% | 5,010 |
| Tier 1 risk-based capital ratio | 13.1367% | 5,025 |
| Total risk-based capital ratio | 14.3935% | 4,974 |
| Memoranda: | ||
| Average total assets | $550,392,500 | 1,215 |
| Average earning assets | $508,486,250 | 1,207 |
| Average equity | $51,004,250 | 1,401 |
| Average total loans | $324,518,500 | 1,313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 1,090 |
| Cost of funding earning assets | 1.0554% | 420 |
| Net interest margin | 3.8459% | 2,393 |
| Noninterest income to average assets | 0.6275% | 3,031 |
| Noninterest expense to average assets | 2.7467% | 3,867 |
| Loan and lease loss provision to assets | 0.1645% | 2,273 |
| Net operating income to assets | 0.9436% | 2,596 |
| Return on assets (ROA) | 0.9436% | 2,741 |
| Pretax return on assets | 1.2692% | 2,408 |
| Return on Equity (ROE) | 10.1011% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.1011% | 822 |
| Net charge-offs to loans | 0.2453% | 2,253 |
| Credit loss provision to net charge-offs | 113.6364% | 1,943 |
| Earnings coverage of net charge-offs (x) | 9.9066% | 2,219 |
| Efficiency ratio | 58.5716% | 5,658 |
| Assets per employee ($millions) | 3.6586% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 1,894 |
| Loan loss allowance to noncurrent loans | 126.4294% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 3,583 |
| Noncurrent loans to loans | 1.5672% | 2,959 |
| Net loans and leases to total assets | 58.6035% | 3,887 |
| Net loans and leases to deposits | 70.8242% | 3,612 |
| Net loans and leases to core deposits | 75.8464% | 3,561 |
| Total domestic deposits to total assets | 82.7449% | 4,802 |
| Equity capital to assets | 8.9355% | 5,286 |
| Core capital (leverage) ratio | 8.8257% | 5,255 |
| Tier 1 risk-based capital ratio | 12.9414% | 5,185 |
| Total risk-based capital ratio | 14.1979% | 5,116 |
| Memoranda: | ||
| Average total assets | $547,274,330 | 1,225 |
| Average earning assets | $505,574,670 | 1,217 |
| Average equity | $51,123,330 | 1,400 |
| Average total loans | $322,852,670 | 1,312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 1,694 |
| Cost of funding earning assets | 1.0734% | 425 |
| Net interest margin | 3.5709% | 3,381 |
| Noninterest income to average assets | 0.6104% | 3,083 |
| Noninterest expense to average assets | 2.5265% | 4,668 |
| Loan and lease loss provision to assets | 0.1647% | 2,220 |
| Net operating income to assets | 0.9244% | 2,546 |
| Return on assets (ROA) | 0.9244% | 2,687 |
| Pretax return on assets | 1.2208% | 2,505 |
| Return on Equity (ROE) | 9.6844% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.6844% | 1,191 |
| Net charge-offs to loans | 0.1511% | 2,493 |
| Credit loss provision to net charge-offs | 185.9504% | 1,160 |
| Earnings coverage of net charge-offs (x) | 15.6446% | 1,390 |
| Efficiency ratio | 62.5631% | 5,225 |
| Assets per employee ($millions) | 3.6689% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 1,939 |
| Loan loss allowance to noncurrent loans | 103.4423% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 3,612 |
| Noncurrent loans to loans | 1.9720% | 2,648 |
| Net loans and leases to total assets | 56.7842% | 3,966 |
| Net loans and leases to deposits | 69.5576% | 3,561 |
| Net loans and leases to core deposits | 74.5225% | 3,515 |
| Total domestic deposits to total assets | 81.6363% | 5,315 |
| Equity capital to assets | 9.4887% | 4,868 |
| Core capital (leverage) ratio | 8.5794% | 5,470 |
| Tier 1 risk-based capital ratio | 12.6672% | 5,455 |
| Total risk-based capital ratio | 13.9243% | 5,403 |
| Memoranda: | ||
| Average total assets | $546,516,500 | 1,237 |
| Average earning assets | $505,301,500 | 1,231 |
| Average equity | $52,166,500 | 1,399 |
| Average total loans | $320,223,500 | 1,324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 1,366 |
| Cost of funding earning assets | 1.2978% | 380 |
| Net interest margin | 3.7769% | 3,331 |
| Noninterest income to average assets | 0.6995% | 2,727 |
| Noninterest expense to average assets | 2.5262% | 5,006 |
| Loan and lease loss provision to assets | 0.4962% | 1,209 |
| Net operating income to assets | 0.8719% | 2,950 |
| Return on assets (ROA) | 0.8719% | 3,191 |
| Pretax return on assets | 1.1648% | 2,928 |
| Return on Equity (ROE) | 8.8726% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.1573% | 3,300 |
| Net charge-offs to loans | 0.1955% | 3,810 |
| Credit loss provision to net charge-offs | 424.7934% | 568 |
| Earnings coverage of net charge-offs (x) | 14.2198% | 1,750 |
| Efficiency ratio | 57.2739% | 5,924 |
| Assets per employee ($millions) | 3.6176% | 4,737 |
| Cash dividends to net income (ytd only)* | 53.1444% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 1,970 |
| Loan loss allowance to noncurrent loans | 97.3426% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 3,537 |
| Noncurrent loans to loans | 2.0742% | 2,610 |
| Net loans and leases to total assets | 58.0418% | 3,970 |
| Net loans and leases to deposits | 71.9169% | 3,425 |
| Net loans and leases to core deposits | 77.3132% | 3,358 |
| Total domestic deposits to total assets | 80.7067% | 5,481 |
| Equity capital to assets | 9.6034% | 4,744 |
| Core capital (leverage) ratio | 8.2926% | 5,894 |
| Tier 1 risk-based capital ratio | 12.4390% | 5,514 |
| Total risk-based capital ratio | 13.6960% | 5,465 |
| Memoranda: | ||
| Average total assets | $517,933,800 | 1,289 |
| Average earning assets | $478,275,400 | 1,271 |
| Average equity | $50,898,200 | 1,395 |
| Average total loans | $309,424,200 | 1,358 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 1,323 |
| Cost of funding earning assets | 1.3344% | 384 |
| Net interest margin | 3.8079% | 3,306 |
| Noninterest income to average assets | 0.6947% | 2,736 |
| Noninterest expense to average assets | 2.5971% | 4,752 |
| Loan and lease loss provision to assets | 0.3836% | 1,682 |
| Net operating income to assets | 0.8882% | 3,042 |
| Return on assets (ROA) | 0.8882% | 3,283 |
| Pretax return on assets | 1.2281% | 2,878 |
| Return on Equity (ROE) | 8.9840% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.9840% | 1,237 |
| Net charge-offs to loans | 0.1442% | 3,959 |
| Credit loss provision to net charge-offs | 444.2771% | 604 |
| Earnings coverage of net charge-offs (x) | 18.6655% | 1,540 |
| Efficiency ratio | 58.6356% | 5,706 |
| Assets per employee ($millions) | 3.6272% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,844 |
| Loan loss allowance to noncurrent loans | 85.2015% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 3,775 |
| Noncurrent loans to loans | 2.0952% | 2,744 |
| Net loans and leases to total assets | 57.6505% | 4,187 |
| Net loans and leases to deposits | 72.1127% | 3,597 |
| Net loans and leases to core deposits | 77.6088% | 3,515 |
| Total domestic deposits to total assets | 79.9450% | 5,666 |
| Equity capital to assets | 9.8849% | 4,661 |
| Core capital (leverage) ratio | 8.7788% | 5,375 |
| Tier 1 risk-based capital ratio | 12.9053% | 5,327 |
| Total risk-based capital ratio | 14.1592% | 5,287 |
| Memoranda: | ||
| Average total assets | $512,660,500 | 1,319 |
| Average earning assets | $473,104,500 | 1,305 |
| Average equity | $50,681,500 | 1,408 |
| Average total loans | $306,953,250 | 1,378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2647% | 1,110 |
| Cost of funding earning assets | 1.3739% | 387 |
| Net interest margin | 3.8908% | 2,950 |
| Noninterest income to average assets | 0.6552% | 2,930 |
| Noninterest expense to average assets | 2.6314% | 4,679 |
| Loan and lease loss provision to assets | 0.4162% | 1,571 |
| Net operating income to assets | 0.8581% | 3,099 |
| Return on assets (ROA) | 0.8581% | 3,370 |
| Pretax return on assets | 1.1938% | 2,948 |
| Return on Equity (ROE) | 8.6796% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.6796% | 1,388 |
| Net charge-offs to loans | 0.1131% | 4,047 |
| Credit loss provision to net charge-offs | 610.4651% | 509 |
| Earnings coverage of net charge-offs (x) | 23.6163% | 1,249 |
| Efficiency ratio | 58.9478% | 5,736 |
| Assets per employee ($millions) | 3.6008% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,039 |
| Loan loss allowance to noncurrent loans | 79.0094% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 3,735 |
| Noncurrent loans to loans | 2.2109% | 2,705 |
| Net loans and leases to total assets | 57.7414% | 4,212 |
| Net loans and leases to deposits | 72.6227% | 3,513 |
| Net loans and leases to core deposits | 78.1818% | 3,487 |
| Total domestic deposits to total assets | 79.5088% | 5,860 |
| Equity capital to assets | 9.9003% | 4,488 |
| Core capital (leverage) ratio | 8.7251% | 5,339 |
| Tier 1 risk-based capital ratio | 12.7628% | 5,366 |
| Total risk-based capital ratio | 14.0160% | 5,336 |
| Memoranda: | ||
| Average total assets | $504,607,670 | 1,342 |
| Average earning assets | $465,096,000 | 1,329 |
| Average equity | $49,887,330 | 1,425 |
| Average total loans | $304,236,330 | 1,385 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 1,462 |
| Cost of funding earning assets | 1.4030% | 424 |
| Net interest margin | 3.7365% | 3,657 |
| Noninterest income to average assets | 0.6268% | 3,075 |
| Noninterest expense to average assets | 2.6661% | 4,563 |
| Loan and lease loss provision to assets | 0.1815% | 3,158 |
| Net operating income to assets | 0.9011% | 2,908 |
| Return on assets (ROA) | 0.9011% | 3,135 |
| Pretax return on assets | 1.2165% | 2,850 |
| Return on Equity (ROE) | 9.1211% | 2,775 |
| Retained earnings to average equity (ytd only) | 9.1211% | 1,545 |
| Net charge-offs to loans | 0.0092% | 4,603 |
| Credit loss provision to net charge-offs | 3,214.2857% | 85 |
| Earnings coverage of net charge-offs (x) | 247.5714% | 144 |
| Efficiency ratio | 62.3065% | 5,217 |
| Assets per employee ($millions) | 3.6206% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 4,017 |
| Loan loss allowance to noncurrent loans | 216.6897% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 5,704 |
| Noncurrent loans to loans | 0.7074% | 5,251 |
| Net loans and leases to total assets | 59.1426% | 3,830 |
| Net loans and leases to deposits | 73.5999% | 3,178 |
| Net loans and leases to core deposits | 78.9130% | 3,195 |
| Total domestic deposits to total assets | 80.3569% | 5,764 |
| Equity capital to assets | 9.7224% | 4,490 |
| Core capital (leverage) ratio | 8.9247% | 4,953 |
| Tier 1 risk-based capital ratio | 12.5614% | 5,555 |
| Total risk-based capital ratio | 13.8127% | 5,519 |
| Memoranda: | ||
| Average total assets | $495,853,500 | 1,364 |
| Average earning assets | $456,154,500 | 1,356 |
| Average equity | $48,985,500 | 1,440 |
| Average total loans | $302,936,000 | 1,402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 1,505 |
| Cost of funding earning assets | 1.6402% | 409 |
| Net interest margin | 3.7267% | 4,170 |
| Noninterest income to average assets | 0.6792% | 2,731 |
| Noninterest expense to average assets | 2.6713% | 4,848 |
| Loan and lease loss provision to assets | 0.2506% | 3,695 |
| Net operating income to assets | 0.8757% | 2,716 |
| Return on assets (ROA) | 0.8757% | 2,852 |
| Pretax return on assets | 1.1655% | 2,594 |
| Return on Equity (ROE) | 9.2065% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.2309% | 1,396 |
| Net charge-offs to loans | 0.0826% | 5,497 |
| Credit loss provision to net charge-offs | 508.4746% | 448 |
| Earnings coverage of net charge-offs (x) | 28.7373% | 865 |
| Efficiency ratio | 60.2523% | 5,716 |
| Assets per employee ($millions) | 3.2734% | 5,570 |
| Cash dividends to net income (ytd only)* | 21.4592% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 4,038 |
| Loan loss allowance to noncurrent loans | 218.6341% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 5,734 |
| Noncurrent loans to loans | 0.6851% | 5,329 |
| Net loans and leases to total assets | 61.2558% | 3,733 |
| Net loans and leases to deposits | 77.1236% | 2,979 |
| Net loans and leases to core deposits | 82.7713% | 3,066 |
| Total domestic deposits to total assets | 79.4255% | 5,885 |
| Equity capital to assets | 10.0452% | 4,114 |
| Core capital (leverage) ratio | 8.7812% | 5,136 |
| Tier 1 risk-based capital ratio | 12.6168% | 5,352 |
| Total risk-based capital ratio | 13.8680% | 5,341 |
| Memoranda: | ||
| Average total assets | $478,935,800 | 1,385 |
| Average earning assets | $437,997,400 | 1,386 |
| Average equity | $45,554,800 | 1,493 |
| Average total loans | $285,568,600 | 1,494 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 1,647 |
| Cost of funding earning assets | 1.6819% | 427 |
| Net interest margin | 3.6787% | 4,432 |
| Noninterest income to average assets | 0.6842% | 2,700 |
| Noninterest expense to average assets | 2.7125% | 4,678 |
| Loan and lease loss provision to assets | 0.2508% | 3,499 |
| Net operating income to assets | 0.8239% | 3,050 |
| Return on assets (ROA) | 0.8239% | 3,216 |
| Pretax return on assets | 1.0842% | 3,075 |
| Return on Equity (ROE) | 8.7858% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.7858% | 1,218 |
| Net charge-offs to loans | 0.0870% | 5,103 |
| Credit loss provision to net charge-offs | 489.1304% | 567 |
| Earnings coverage of net charge-offs (x) | 26.0323% | 1,030 |
| Efficiency ratio | 61.8510% | 5,432 |
| Assets per employee ($millions) | 3.3334% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,379 |
| Loan loss allowance to noncurrent loans | 219.8339% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 5,858 |
| Noncurrent loans to loans | 0.6548% | 5,577 |
| Net loans and leases to total assets | 60.3996% | 4,059 |
| Net loans and leases to deposits | 76.4868% | 3,251 |
| Net loans and leases to core deposits | 82.2060% | 3,295 |
| Total domestic deposits to total assets | 78.9674% | 5,991 |
| Equity capital to assets | 10.0622% | 4,260 |
| Core capital (leverage) ratio | 8.8936% | 5,115 |
| Tier 1 risk-based capital ratio | 12.5795% | 5,425 |
| Total risk-based capital ratio | 13.8297% | 5,407 |
| Memoranda: | ||
| Average total assets | $478,370,500 | 1,396 |
| Average earning assets | $437,349,750 | 1,397 |
| Average equity | $44,859,250 | 1,515 |
| Average total loans | $282,150,000 | 1,526 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3706% | 1,649 |
| Cost of funding earning assets | 1.7063% | 456 |
| Net interest margin | 3.6643% | 4,443 |
| Noninterest income to average assets | 0.6651% | 2,738 |
| Noninterest expense to average assets | 2.7043% | 4,805 |
| Loan and lease loss provision to assets | 0.2511% | 3,394 |
| Net operating income to assets | 0.8078% | 3,032 |
| Return on assets (ROA) | 0.8078% | 3,155 |
| Pretax return on assets | 1.0535% | 3,031 |
| Return on Equity (ROE) | 8.8304% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.8304% | 1,164 |
| Net charge-offs to loans | 0.1402% | 4,354 |
| Credit loss provision to net charge-offs | 307.6923% | 986 |
| Earnings coverage of net charge-offs (x) | 15.9846% | 1,372 |
| Efficiency ratio | 62.2364% | 5,554 |
| Assets per employee ($millions) | 3.6179% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,666 |
| Loan loss allowance to noncurrent loans | 192.3039% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 5,930 |
| Noncurrent loans to loans | 0.7183% | 5,472 |
| Net loans and leases to total assets | 57.7738% | 4,674 |
| Net loans and leases to deposits | 72.6984% | 3,999 |
| Net loans and leases to core deposits | 78.3773% | 4,014 |
| Total domestic deposits to total assets | 79.4706% | 5,958 |
| Equity capital to assets | 9.4818% | 4,837 |
| Core capital (leverage) ratio | 8.6200% | 5,362 |
| Tier 1 risk-based capital ratio | 12.4051% | 5,435 |
| Total risk-based capital ratio | 13.6052% | 5,449 |
| Memoranda: | ||
| Average total assets | $477,826,330 | 1,405 |
| Average earning assets | $436,041,330 | 1,409 |
| Average equity | $43,712,670 | 1,538 |
| Average total loans | $278,148,670 | 1,555 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 1,867 |
| Cost of funding earning assets | 1.7318% | 493 |
| Net interest margin | 3.5673% | 4,737 |
| Noninterest income to average assets | 0.6325% | 2,945 |
| Noninterest expense to average assets | 2.7018% | 4,829 |
| Loan and lease loss provision to assets | 0.2530% | 3,129 |
| Net operating income to assets | 0.7261% | 3,396 |
| Return on assets (ROA) | 0.7261% | 3,458 |
| Pretax return on assets | 0.9276% | 3,405 |
| Return on Equity (ROE) | 8.0873% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.0873% | 1,699 |
| Net charge-offs to loans | -0.0233% | 6,622 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1616% | 5,339 |
| Assets per employee ($millions) | 3.7629% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 4,718 |
| Loan loss allowance to noncurrent loans | 117.1402% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 5,434 |
| Noncurrent loans to loans | 1.1860% | 4,704 |
| Net loans and leases to total assets | 56.9457% | 4,809 |
| Net loans and leases to deposits | 71.3388% | 4,155 |
| Net loans and leases to core deposits | 77.3378% | 4,110 |
| Total domestic deposits to total assets | 79.8244% | 5,989 |
| Equity capital to assets | 9.0443% | 5,132 |
| Core capital (leverage) ratio | 8.4081% | 5,613 |
| Tier 1 risk-based capital ratio | 12.0979% | 5,604 |
| Total risk-based capital ratio | 13.2802% | 5,658 |
| Memoranda: | ||
| Average total assets | $474,343,500 | 1,426 |
| Average earning assets | $432,151,000 | 1,425 |
| Average equity | $42,585,500 | 1,559 |
| Average total loans | $275,220,000 | 1,589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 2,517 |
| Cost of funding earning assets | 1.9901% | 633 |
| Net interest margin | 3.4462% | 5,451 |
| Noninterest income to average assets | 0.6387% | 3,221 |
| Noninterest expense to average assets | 2.5841% | 5,481 |
| Loan and lease loss provision to assets | 0.2512% | 4,784 |
| Net operating income to assets | 0.7429% | 3,031 |
| Return on assets (ROA) | 0.7429% | 3,154 |
| Pretax return on assets | 0.9595% | 3,064 |
| Return on Equity (ROE) | 8.0937% | 2,669 |
| Retained earnings to average equity (ytd only) | 5.9042% | 1,877 |
| Net charge-offs to loans | 0.3180% | 4,426 |
| Credit loss provision to net charge-offs | 138.2064% | 2,762 |
| Earnings coverage of net charge-offs (x) | 6.6609% | 2,310 |
| Efficiency ratio | 63.7166% | 5,398 |
| Assets per employee ($millions) | 3.4874% | 4,958 |
| Cash dividends to net income (ytd only)* | 27.0514% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 5,096 |
| Loan loss allowance to noncurrent loans | 163.6279% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 5,999 |
| Noncurrent loans to loans | 0.7833% | 5,472 |
| Net loans and leases to total assets | 57.5513% | 5,101 |
| Net loans and leases to deposits | 72.9506% | 4,360 |
| Net loans and leases to core deposits | 79.1070% | 4,332 |
| Total domestic deposits to total assets | 78.8908% | 6,108 |
| Equity capital to assets | 8.9103% | 5,272 |
| Core capital (leverage) ratio | 7.9951% | 6,211 |
| Tier 1 risk-based capital ratio | 12.0168% | 5,457 |
| Total risk-based capital ratio | 13.1258% | 5,579 |
| Memoranda: | ||
| Average total assets | $447,819,000 | 1,485 |
| Average earning assets | $410,131,400 | 1,481 |
| Average equity | $41,106,200 | 1,608 |
| Average total loans | $255,977,200 | 1,730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4356% | 2,717 |
| Cost of funding earning assets | 2.0314% | 685 |
| Net interest margin | 3.4042% | 5,665 |
| Noninterest income to average assets | 0.6177% | 3,336 |
| Noninterest expense to average assets | 2.5959% | 5,341 |
| Loan and lease loss provision to assets | 0.1810% | 5,233 |
| Net operating income to assets | 0.7594% | 3,182 |
| Return on assets (ROA) | 0.7594% | 3,338 |
| Pretax return on assets | 0.9648% | 3,313 |
| Return on Equity (ROE) | 8.2094% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2094% | 1,349 |
| Net charge-offs to loans | 0.2705% | 4,323 |
| Credit loss provision to net charge-offs | 117.6471% | 3,526 |
| Earnings coverage of net charge-offs (x) | 7.4491% | 2,327 |
| Efficiency ratio | 66.1293% | 4,831 |
| Assets per employee ($millions) | 3.5740% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 5,433 |
| Loan loss allowance to noncurrent loans | 154.9084% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 6,234 |
| Noncurrent loans to loans | 0.7823% | 5,648 |
| Net loans and leases to total assets | 56.9894% | 5,416 |
| Net loans and leases to deposits | 72.7133% | 4,735 |
| Net loans and leases to core deposits | 80.2817% | 4,477 |
| Total domestic deposits to total assets | 78.3755% | 6,174 |
| Equity capital to assets | 9.4274% | 4,949 |
| Core capital (leverage) ratio | 8.1382% | 6,139 |
| Tier 1 risk-based capital ratio | 12.1137% | 5,352 |
| Total risk-based capital ratio | 13.1686% | 5,513 |
| Memoranda: | ||
| Average total assets | $442,072,750 | 1,531 |
| Average earning assets | $405,684,500 | 1,525 |
| Average equity | $40,895,250 | 1,622 |
| Average total loans | $251,353,500 | 1,775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 3,054 |
| Cost of funding earning assets | 2.0749% | 725 |
| Net interest margin | 3.3073% | 5,993 |
| Noninterest income to average assets | 0.5502% | 3,715 |
| Noninterest expense to average assets | 2.4055% | 6,058 |
| Loan and lease loss provision to assets | 0.1735% | 5,130 |
| Net operating income to assets | 0.7932% | 3,001 |
| Return on assets (ROA) | 0.7932% | 3,150 |
| Pretax return on assets | 1.0102% | 3,077 |
| Return on Equity (ROE) | 8.6344% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.6344% | 1,218 |
| Net charge-offs to loans | 0.0851% | 5,293 |
| Credit loss provision to net charge-offs | 360.5769% | 1,017 |
| Earnings coverage of net charge-offs (x) | 24.5962% | 1,061 |
| Efficiency ratio | 66.2197% | 4,945 |
| Assets per employee ($millions) | 3.9669% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 5,002 |
| Loan loss allowance to noncurrent loans | 147.5605% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 6,145 |
| Noncurrent loans to loans | 0.8718% | 5,523 |
| Net loans and leases to total assets | 56.5330% | 5,618 |
| Net loans and leases to deposits | 72.3475% | 4,936 |
| Net loans and leases to core deposits | 80.0891% | 4,681 |
| Total domestic deposits to total assets | 78.1409% | 6,238 |
| Equity capital to assets | 9.0802% | 5,323 |
| Core capital (leverage) ratio | 8.6354% | 5,180 |
| Tier 1 risk-based capital ratio | 11.8579% | 5,438 |
| Total risk-based capital ratio | 12.9809% | 5,520 |
| Memoranda: | ||
| Average total assets | $432,172,330 | 1,581 |
| Average earning assets | $397,125,670 | 1,559 |
| Average equity | $39,701,670 | 1,680 |
| Average total loans | $244,418,330 | 1,843 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 2,511 |
| Cost of funding earning assets | 2.1992% | 594 |
| Net interest margin | 3.3167% | 5,906 |
| Noninterest income to average assets | 0.5414% | 3,716 |
| Noninterest expense to average assets | 2.3569% | 6,220 |
| Loan and lease loss provision to assets | 0.1747% | 4,773 |
| Net operating income to assets | 0.8403% | 2,792 |
| Return on assets (ROA) | 0.8403% | 2,889 |
| Pretax return on assets | 1.0654% | 2,861 |
| Return on Equity (ROE) | 9.0870% | 2,465 |
| Retained earnings to average equity (ytd only) | 9.0870% | 1,377 |
| Net charge-offs to loans | 0.0467% | 4,943 |
| Credit loss provision to net charge-offs | 666.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 595 |
| Efficiency ratio | 65.5247% | 5,215 |
| Assets per employee ($millions) | 3.9060% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 4,134 |
| Loan loss allowance to noncurrent loans | 163.8225% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 6,164 |
| Noncurrent loans to loans | 0.8908% | 5,540 |
| Net loans and leases to total assets | 54.2885% | 5,993 |
| Net loans and leases to deposits | 70.4938% | 5,269 |
| Net loans and leases to core deposits | 81.2062% | 4,593 |
| Total domestic deposits to total assets | 77.0117% | 6,560 |
| Equity capital to assets | 9.6752% | 4,264 |
| Core capital (leverage) ratio | 9.6780% | 3,548 |
| Tier 1 risk-based capital ratio | 15.1153% | 3,062 |
| Total risk-based capital ratio | 16.3655% | 3,016 |
| Memoranda: | ||
| Average total assets | $412,229,000 | 1,693 |
| Average earning assets | $379,775,000 | 1,665 |
| Average equity | $38,120,500 | 1,765 |
| Average total loans | $231,454,000 | 1,987 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9154% | 2,172 |
| Cost of funding earning assets | 2.5808% | 824 |
| Net interest margin | 3.3346% | 5,608 |
| Noninterest income to average assets | 0.6781% | 3,095 |
| Noninterest expense to average assets | 2.6249% | 5,697 |
| Loan and lease loss provision to assets | 0.2925% | 5,086 |
| Net operating income to assets | 0.6811% | 3,012 |
| Return on assets (ROA) | 0.6811% | 3,067 |
| Pretax return on assets | 0.8354% | 3,127 |
| Return on Equity (ROE) | 6.9611% | 2,803 |
| Retained earnings to average equity (ytd only) | 1.2070% | 4,195 |
| Net charge-offs to loans | 0.4665% | 3,913 |
| Credit loss provision to net charge-offs | 97.3492% | 5,711 |
| Earnings coverage of net charge-offs (x) | 3.7541% | 3,216 |
| Efficiency ratio | 69.9451% | 4,642 |
| Assets per employee ($millions) | 3.9467% | 3,922 |
| Cash dividends to net income (ytd only)* | 82.6613% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,350 |
| Loan loss allowance to noncurrent loans | 220.1098% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 6,360 |
| Noncurrent loans to loans | 0.6263% | 5,986 |
| Net loans and leases to total assets | 56.4422% | 5,895 |
| Net loans and leases to deposits | 71.5840% | 5,390 |
| Net loans and leases to core deposits | 99.3256% | 4,073 |
| Total domestic deposits to total assets | 78.8475% | 6,023 |
| Equity capital to assets | 8.8075% | 5,423 |
| Core capital (leverage) ratio | 9.2051% | 4,111 |
| Tier 1 risk-based capital ratio | 13.6521% | 3,719 |
| Total risk-based capital ratio | 14.8693% | 3,684 |
| Memoranda: | ||
| Average total assets | $364,127,400 | 1,865 |
| Average earning assets | $335,750,200 | 1,852 |
| Average equity | $35,626,400 | 1,891 |
| Average total loans | $234,509,600 | 1,999 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0501% | 1,841 |
| Cost of funding earning assets | 2.6755% | 848 |
| Net interest margin | 3.3746% | 5,366 |
| Noninterest income to average assets | 0.6954% | 3,045 |
| Noninterest expense to average assets | 2.8248% | 4,784 |
| Loan and lease loss provision to assets | 0.2433% | 5,015 |
| Net operating income to assets | 0.6030% | 3,593 |
| Return on assets (ROA) | 0.6030% | 3,645 |
| Pretax return on assets | 0.7388% | 3,738 |
| Return on Equity (ROE) | 5.9917% | 3,533 |
| Retained earnings to average equity (ytd only) | 0.1836% | 5,118 |
| Net charge-offs to loans | 0.2888% | 4,231 |
| Credit loss provision to net charge-offs | 126.7191% | 3,965 |
| Earnings coverage of net charge-offs (x) | 5.1159% | 2,919 |
| Efficiency ratio | 74.2025% | 3,837 |
| Assets per employee ($millions) | 3.4707% | 4,999 |
| Cash dividends to net income (ytd only)* | 96.9357% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 3,695 |
| Loan loss allowance to noncurrent loans | 188.2254% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 6,031 |
| Noncurrent loans to loans | 0.7700% | 5,761 |
| Net loans and leases to total assets | 61.1901% | 5,389 |
| Net loans and leases to deposits | 81.7530% | 4,071 |
| Net loans and leases to core deposits | 112.8628% | 2,944 |
| Total domestic deposits to total assets | 74.8476% | 6,800 |
| Equity capital to assets | 9.7928% | 4,360 |
| Core capital (leverage) ratio | 9.6849% | 3,667 |
| Tier 1 risk-based capital ratio | 14.1227% | 3,480 |
| Total risk-based capital ratio | 15.3739% | 3,421 |
| Memoranda: | ||
| Average total assets | $353,530,500 | 1,934 |
| Average earning assets | $325,957,750 | 1,924 |
| Average equity | $35,582,000 | 1,916 |
| Average total loans | $234,973,750 | 2,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0439% | 2,001 |
| Cost of funding earning assets | 2.7373% | 944 |
| Net interest margin | 3.3066% | 5,531 |
| Noninterest income to average assets | 0.6524% | 3,329 |
| Noninterest expense to average assets | 2.8375% | 4,791 |
| Loan and lease loss provision to assets | 0.1386% | 5,686 |
| Net operating income to assets | 0.6148% | 3,621 |
| Return on assets (ROA) | 0.6148% | 3,730 |
| Pretax return on assets | 0.7280% | 3,910 |
| Return on Equity (ROE) | 6.0499% | 3,624 |
| Retained earnings to average equity (ytd only) | -1.9030% | 5,711 |
| Net charge-offs to loans | 0.1595% | 4,603 |
| Credit loss provision to net charge-offs | 127.6596% | 3,645 |
| Earnings coverage of net charge-offs (x) | 7.9840% | 2,343 |
| Efficiency ratio | 76.6054% | 3,580 |
| Assets per employee ($millions) | 3.3617% | 5,157 |
| Cash dividends to net income (ytd only)* | 131.4554% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 3,652 |
| Loan loss allowance to noncurrent loans | 200.3656% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 6,048 |
| Noncurrent loans to loans | 0.7062% | 5,830 |
| Net loans and leases to total assets | 64.2892% | 4,924 |
| Net loans and leases to deposits | 84.8562% | 3,743 |
| Net loans and leases to core deposits | 117.6300% | 2,578 |
| Total domestic deposits to total assets | 75.7625% | 6,600 |
| Equity capital to assets | 9.7676% | 4,261 |
| Core capital (leverage) ratio | 9.9510% | 3,344 |
| Tier 1 risk-based capital ratio | 13.9051% | 3,575 |
| Total risk-based capital ratio | 15.1223% | 3,527 |
| Memoranda: | ||
| Average total assets | $346,429,000 | 1,996 |
| Average earning assets | $319,727,000 | 1,986 |
| Average equity | $35,207,000 | 1,927 |
| Average total loans | $235,720,000 | 2,039 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0873% | 1,988 |
| Cost of funding earning assets | 2.7779% | 1,034 |
| Net interest margin | 3.3094% | 5,465 |
| Noninterest income to average assets | 0.5869% | 3,645 |
| Noninterest expense to average assets | 2.7516% | 4,772 |
| Loan and lease loss provision to assets | 0.1406% | 5,146 |
| Net operating income to assets | 0.6337% | 3,870 |
| Return on assets (ROA) | 0.6337% | 4,051 |
| Pretax return on assets | 0.7509% | 4,254 |
| Return on Equity (ROE) | 6.1117% | 3,997 |
| Retained earnings to average equity (ytd only) | -9.7042% | 7,082 |
| Net charge-offs to loans | -0.0438% | 7,659 |
| Credit loss provision to net charge-offs | -461.5385% | 6,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5305% | 3,560 |
| Assets per employee ($millions) | 3.2515% | 5,453 |
| Cash dividends to net income (ytd only)* | 258.7800% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 3,324 |
| Loan loss allowance to noncurrent loans | 256.2121% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 6,091 |
| Noncurrent loans to loans | 0.5597% | 6,014 |
| Net loans and leases to total assets | 67.4499% | 4,257 |
| Net loans and leases to deposits | 92.1023% | 2,580 |
| Net loans and leases to core deposits | 129.7295% | 1,676 |
| Total domestic deposits to total assets | 73.2336% | 7,019 |
| Equity capital to assets | 10.0747% | 3,911 |
| Core capital (leverage) ratio | 10.2868% | 3,121 |
| Tier 1 risk-based capital ratio | 14.0773% | 3,536 |
| Total risk-based capital ratio | 15.3286% | 3,465 |
| Memoranda: | ||
| Average total assets | $341,473,500 | 2,032 |
| Average earning assets | $315,347,000 | 2,028 |
| Average equity | $35,407,500 | 1,931 |
| Average total loans | $237,392,000 | 2,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6014% | 2,492 |
| Cost of funding earning assets | 3.0842% | 1,558 |
| Net interest margin | 3.5172% | 5,241 |
| Noninterest income to average assets | 0.7511% | 2,777 |
| Noninterest expense to average assets | 2.7332% | 5,123 |
| Loan and lease loss provision to assets | 0.3029% | 3,952 |
| Net operating income to assets | 0.7832% | 3,510 |
| Return on assets (ROA) | 0.7906% | 3,316 |
| Pretax return on assets | 0.9724% | 3,478 |
| Return on Equity (ROE) | 7.3772% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.5230% | 2,947 |
| Net charge-offs to loans | 0.2293% | 3,949 |
| Credit loss provision to net charge-offs | 179.6733% | 2,808 |
| Earnings coverage of net charge-offs (x) | 7.5100% | 3,096 |
| Efficiency ratio | 68.3421% | 4,663 |
| Assets per employee ($millions) | 3.1914% | 5,505 |
| Cash dividends to net income (ytd only)* | 52.2446% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 3,454 |
| Loan loss allowance to noncurrent loans | 283.6109% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 6,007 |
| Noncurrent loans to loans | 0.4775% | 5,917 |
| Net loans and leases to total assets | 69.6726% | 4,096 |
| Net loans and leases to deposits | 97.6869% | 2,174 |
| Net loans and leases to core deposits | 135.5260% | 1,512 |
| Total domestic deposits to total assets | 71.3223% | 7,120 |
| Equity capital to assets | 10.6689% | 3,321 |
| Core capital (leverage) ratio | 10.5725% | 2,922 |
| Tier 1 risk-based capital ratio | 14.5269% | 3,281 |
| Total risk-based capital ratio | 15.7777% | 3,203 |
| Memoranda: | ||
| Average total assets | $326,834,200 | 2,046 |
| Average earning assets | $301,832,200 | 2,025 |
| Average equity | $35,027,000 | 1,927 |
| Average total loans | $240,257,000 | 1,967 |