Home > The Citizens National Bank of Meridian > Performance and Condition Ratios
The Citizens National Bank of Meridian, 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 | 4.4079% | 3,264 |
| Cost of funding earning assets | 1.2469% | 2,665 |
| Net interest margin | 3.1610% | 2,961 |
| Noninterest income to average assets | 1.4900% | 391 |
| Noninterest expense to average assets | 2.8638% | 1,355 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5803% | 890 |
| Return on assets (ROA) | 1.5801% | 861 |
| Pretax return on assets | 1.5801% | 1,273 |
| Return on Equity (ROE) | 17.7100% | 863 |
| Retained earnings to average equity (ytd only) | 7.0633% | 1,879 |
| Net charge-offs to loans | 0.0232% | 1,855 |
| Credit loss provision to net charge-offs | 94.4882% | 1,907 |
| Earnings coverage of net charge-offs (x) | 105.1614% | 878 |
| Efficiency ratio | 64.2337% | 2,579 |
| Assets per employee ($millions) | 5.1229% | 3,549 |
| Cash dividends to net income (ytd only)* | 60.1118% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 1,737 |
| Loan loss allowance to noncurrent loans | 275.9470% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 1,372 |
| Noncurrent loans to loans | 0.4731% | 1,602 |
| Net loans and leases to total assets | 66.9800% | 2,151 |
| Net loans and leases to deposits | 79.5330% | 2,150 |
| Net loans and leases to core deposits | 83.8929% | 2,462 |
| Total domestic deposits to total assets | 84.2100% | 2,557 |
| Equity capital to assets | 9.6334% | 2,252 |
| Core capital (leverage) ratio | 11.2795% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1611% | 1,490 |
| Memoranda: | ||
| Average total assets | $1,675,103,200 | 656 |
| Average earning assets | $1,570,966,200 | 643 |
| Average equity | $149,477,000 | 673 |
| Average total loans | $1,095,384,400 | 681 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 3,219 |
| Cost of funding earning assets | 1.1603% | 2,564 |
| Net interest margin | 3.1780% | 2,965 |
| Noninterest income to average assets | 1.5200% | 382 |
| Noninterest expense to average assets | 2.8725% | 1,278 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6086% | 930 |
| Return on assets (ROA) | 1.6084% | 922 |
| Pretax return on assets | 1.6084% | 1,339 |
| Return on Equity (ROE) | 18.3800% | 897 |
| Retained earnings to average equity (ytd only) | 12.1466% | 946 |
| Net charge-offs to loans | 0.0223% | 1,648 |
| Credit loss provision to net charge-offs | 131.8681% | 1,407 |
| Earnings coverage of net charge-offs (x) | 112.8681% | 869 |
| Efficiency ratio | 63.8320% | 2,515 |
| Assets per employee ($millions) | 5.1289% | 3,495 |
| Cash dividends to net income (ytd only)* | 33.9212% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 1,713 |
| Loan loss allowance to noncurrent loans | 277.1007% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 1,440 |
| Noncurrent loans to loans | 0.4821% | 1,618 |
| Net loans and leases to total assets | 65.0700% | 2,338 |
| Net loans and leases to deposits | 74.2579% | 2,542 |
| Net loans and leases to core deposits | 79.2221% | 2,654 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 8.9899% | 2,423 |
| Core capital (leverage) ratio | 11.3650% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5894% | 1,405 |
| Memoranda: | ||
| Average total assets | $1,682,767,250 | 656 |
| Average earning assets | $1,576,287,250 | 647 |
| Average equity | $147,242,250 | 678 |
| Average total loans | $1,090,232,000 | 681 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,123 |
| Cost of funding earning assets | 1.0214% | 2,525 |
| Net interest margin | 3.2640% | 2,835 |
| Noninterest income to average assets | 1.2600% | 413 |
| Noninterest expense to average assets | 2.8710% | 1,276 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4117% | 1,299 |
| Return on assets (ROA) | 1.4114% | 1,283 |
| Pretax return on assets | 1.4114% | 1,784 |
| Return on Equity (ROE) | 16.2800% | 1,223 |
| Retained earnings to average equity (ytd only) | 9.5874% | 1,515 |
| Net charge-offs to loans | 0.0075% | 1,941 |
| Credit loss provision to net charge-offs | 585.3659% | 588 |
| Earnings coverage of net charge-offs (x) | 296.7561% | 454 |
| Efficiency ratio | 66.5962% | 2,168 |
| Assets per employee ($millions) | 5.0040% | 3,599 |
| Cash dividends to net income (ytd only)* | 41.0985% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,635 |
| Loan loss allowance to noncurrent loans | 343.5510% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 1,482 |
| Noncurrent loans to loans | 0.3991% | 1,734 |
| Net loans and leases to total assets | 63.8100% | 2,402 |
| Net loans and leases to deposits | 72.8540% | 2,588 |
| Net loans and leases to core deposits | 77.8437% | 2,626 |
| Total domestic deposits to total assets | 87.5900% | 1,751 |
| Equity capital to assets | 8.9610% | 2,540 |
| Core capital (leverage) ratio | 11.0253% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1079% | 1,544 |
| Memoranda: | ||
| Average total assets | $1,689,767,000 | 642 |
| Average earning assets | $1,579,792,000 | 630 |
| Average equity | $146,525,667 | 676 |
| Average total loans | $1,088,308,667 | 669 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,939 |
| Cost of funding earning assets | 0.8991% | 2,376 |
| Net interest margin | 3.3458% | 2,763 |
| Noninterest income to average assets | 1.2400% | 424 |
| Noninterest expense to average assets | 2.8521% | 1,333 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4585% | 1,271 |
| Return on assets (ROA) | 1.4580% | 1,246 |
| Pretax return on assets | 1.4580% | 1,754 |
| Return on Equity (ROE) | 17.0900% | 1,160 |
| Retained earnings to average equity (ytd only) | 17.0801% | 587 |
| Net charge-offs to loans | 0.0143% | 1,421 |
| Credit loss provision to net charge-offs | 461.5385% | 577 |
| Earnings coverage of net charge-offs (x) | 163.6923% | 582 |
| Efficiency ratio | 65.5217% | 2,265 |
| Assets per employee ($millions) | 5.2092% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0806% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,821 |
| Loan loss allowance to noncurrent loans | 331.1221% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 1,469 |
| Noncurrent loans to loans | 0.4074% | 1,711 |
| Net loans and leases to total assets | 62.4500% | 2,422 |
| Net loans and leases to deposits | 70.0358% | 2,608 |
| Net loans and leases to core deposits | 74.3506% | 2,648 |
| Total domestic deposits to total assets | 89.1600% | 1,486 |
| Equity capital to assets | 8.7445% | 2,701 |
| Core capital (leverage) ratio | 10.6854% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9654% | 1,636 |
| Memoranda: | ||
| Average total assets | $1,701,480,500 | 654 |
| Average earning assets | $1,585,153,000 | 640 |
| Average equity | $145,128,000 | 694 |
| Average total loans | $1,093,426,000 | 674 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 2,720 |
| Cost of funding earning assets | 0.1464% | 4,144 |
| Net interest margin | 3.4797% | 1,992 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.6742% | 1,620 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.8185% | 423 |
| Return on assets (ROA) | 1.8185% | 405 |
| Pretax return on assets | 1.8185% | 707 |
| Return on Equity (ROE) | 20.2900% | 454 |
| Retained earnings to average equity (ytd only) | 3.3418% | 3,613 |
| Net charge-offs to loans | 0.0592% | 1,058 |
| Credit loss provision to net charge-offs | 113.2075% | 1,492 |
| Earnings coverage of net charge-offs (x) | 50.5708% | 1,353 |
| Efficiency ratio | 58.9768% | 3,193 |
| Assets per employee ($millions) | 5.0564% | 3,631 |
| Cash dividends to net income (ytd only)* | 83.5321% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 1,611 |
| Loan loss allowance to noncurrent loans | 348.4193% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 1,457 |
| Noncurrent loans to loans | 0.3927% | 1,743 |
| Net loans and leases to total assets | 64.3600% | 2,214 |
| Net loans and leases to deposits | 72.4119% | 2,377 |
| Net loans and leases to core deposits | 76.6373% | 2,378 |
| Total domestic deposits to total assets | 88.8800% | 1,750 |
| Equity capital to assets | 8.3087% | 2,849 |
| Core capital (leverage) ratio | 10.5727% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4140% | 1,814 |
| Memoranda: | ||
| Average total assets | $1,729,087,600 | 629 |
| Average earning assets | $1,622,113,200 | 611 |
| Average equity | $154,947,400 | 664 |
| Average total loans | $1,073,762,800 | 643 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 2,632 |
| Cost of funding earning assets | 0.0829% | 4,398 |
| Net interest margin | 3.4129% | 1,934 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 2.6436% | 1,614 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.8109% | 421 |
| Return on assets (ROA) | 1.8109% | 411 |
| Pretax return on assets | 1.8109% | 717 |
| Return on Equity (ROE) | 19.8600% | 444 |
| Retained earnings to average equity (ytd only) | 6.7977% | 2,449 |
| Net charge-offs to loans | 0.0369% | 1,132 |
| Credit loss provision to net charge-offs | 182.4324% | 1,029 |
| Earnings coverage of net charge-offs (x) | 81.7432% | 1,034 |
| Efficiency ratio | 58.8006% | 3,288 |
| Assets per employee ($millions) | 5.1564% | 3,543 |
| Cash dividends to net income (ytd only)* | 65.7719% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,668 |
| Loan loss allowance to noncurrent loans | 292.5647% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 1,273 |
| Noncurrent loans to loans | 0.4719% | 1,623 |
| Net loans and leases to total assets | 63.7900% | 2,113 |
| Net loans and leases to deposits | 71.0058% | 2,287 |
| Net loans and leases to core deposits | 73.5038% | 2,384 |
| Total domestic deposits to total assets | 89.8300% | 1,733 |
| Equity capital to assets | 8.2561% | 2,714 |
| Core capital (leverage) ratio | 10.4449% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6204% | 1,836 |
| Memoranda: | ||
| Average total assets | $1,741,676,500 | 625 |
| Average earning assets | $1,638,157,500 | 612 |
| Average equity | $158,814,250 | 661 |
| Average total loans | $1,068,347,250 | 644 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 2,578 |
| Cost of funding earning assets | 0.0772% | 4,403 |
| Net interest margin | 3.2715% | 1,986 |
| Noninterest income to average assets | 1.3313% | 397 |
| Noninterest expense to average assets | 2.5769% | 1,705 |
| Loan and lease loss provision to assets | 0.0410% | 1,843 |
| Net operating income to assets | 1.7958% | 340 |
| Return on assets (ROA) | 1.7958% | 334 |
| Pretax return on assets | 1.7958% | 607 |
| Return on Equity (ROE) | 19.1124% | 375 |
| Retained earnings to average equity (ytd only) | 12.7041% | 504 |
| Net charge-offs to loans | 0.0187% | 1,362 |
| Credit loss provision to net charge-offs | 363.6364% | 728 |
| Earnings coverage of net charge-offs (x) | 162.9697% | 601 |
| Efficiency ratio | 58.3843% | 3,508 |
| Assets per employee ($millions) | 5.3957% | 3,334 |
| Cash dividends to net income (ytd only)* | 33.5299% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,763 |
| Loan loss allowance to noncurrent loans | 346.4139% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 1,505 |
| Noncurrent loans to loans | 0.4034% | 1,919 |
| Net loans and leases to total assets | 61.2069% | 2,200 |
| Net loans and leases to deposits | 68.4927% | 2,347 |
| Net loans and leases to core deposits | 70.3999% | 2,461 |
| Total domestic deposits to total assets | 89.3626% | 2,019 |
| Equity capital to assets | 8.9733% | 2,401 |
| Core capital (leverage) ratio | 10.3981% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8926% | 1,736 |
| Memoranda: | ||
| Average total assets | $1,756,750,000 | 618 |
| Average earning assets | $1,655,219,667 | 605 |
| Average equity | $165,065,333 | 645 |
| Average total loans | $1,058,703,000 | 632 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 2,492 |
| Cost of funding earning assets | 0.0900% | 4,255 |
| Net interest margin | 3.1743% | 1,961 |
| Noninterest income to average assets | 1.3590% | 402 |
| Noninterest expense to average assets | 2.5497% | 1,752 |
| Loan and lease loss provision to assets | 0.0409% | 1,618 |
| Net operating income to assets | 1.7642% | 354 |
| Return on assets (ROA) | 1.7642% | 357 |
| Pretax return on assets | 1.7642% | 595 |
| Return on Equity (ROE) | 18.3658% | 307 |
| Retained earnings to average equity (ytd only) | 18.0632% | 139 |
| Net charge-offs to loans | 0.0103% | 1,381 |
| Credit loss provision to net charge-offs | 666.6667% | 438 |
| Earnings coverage of net charge-offs (x) | 294.3333% | 326 |
| Efficiency ratio | 58.5489% | 3,628 |
| Assets per employee ($millions) | 5.5291% | 3,293 |
| Cash dividends to net income (ytd only)* | 1.6480% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,824 |
| Loan loss allowance to noncurrent loans | 286.6552% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 1,417 |
| Noncurrent loans to loans | 0.4962% | 1,787 |
| Net loans and leases to total assets | 59.3548% | 2,142 |
| Net loans and leases to deposits | 66.6245% | 2,282 |
| Net loans and leases to core deposits | 68.3641% | 2,427 |
| Total domestic deposits to total assets | 89.0885% | 2,040 |
| Equity capital to assets | 9.3523% | 2,402 |
| Core capital (leverage) ratio | 10.4956% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9499% | 1,817 |
| Memoranda: | ||
| Average total assets | $1,761,023,000 | 617 |
| Average earning assets | $1,661,968,000 | 605 |
| Average equity | $169,162,000 | 643 |
| Average total loans | $1,045,461,000 | 632 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4706% | 2,750 |
| Cost of funding earning assets | 0.1280% | 4,166 |
| Net interest margin | 3.3426% | 2,199 |
| Noninterest income to average assets | 1.3454% | 599 |
| Noninterest expense to average assets | 2.6298% | 1,800 |
| Loan and lease loss provision to assets | 0.0688% | 1,699 |
| Net operating income to assets | 1.7926% | 513 |
| Return on assets (ROA) | 1.7926% | 539 |
| Pretax return on assets | 1.7926% | 933 |
| Return on Equity (ROE) | 17.1885% | 559 |
| Retained earnings to average equity (ytd only) | 4.4564% | 3,028 |
| Net charge-offs to loans | 0.0540% | 1,254 |
| Credit loss provision to net charge-offs | 208.6331% | 1,286 |
| Earnings coverage of net charge-offs (x) | 56.4802% | 1,222 |
| Efficiency ratio | 58.5548% | 3,358 |
| Assets per employee ($millions) | 5.5640% | 3,201 |
| Cash dividends to net income (ytd only)* | 74.0733% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,752 |
| Loan loss allowance to noncurrent loans | 311.0392% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 1,341 |
| Noncurrent loans to loans | 0.4642% | 1,976 |
| Net loans and leases to total assets | 57.6798% | 2,405 |
| Net loans and leases to deposits | 66.2531% | 2,488 |
| Net loans and leases to core deposits | 68.0814% | 2,646 |
| Total domestic deposits to total assets | 87.0598% | 2,500 |
| Equity capital to assets | 9.8587% | 2,791 |
| Core capital (leverage) ratio | 10.2893% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8534% | 1,908 |
| Memoranda: | ||
| Average total assets | $1,687,065,400 | 619 |
| Average earning assets | $1,587,759,000 | 603 |
| Average equity | $175,949,400 | 614 |
| Average total loans | $1,030,201,800 | 639 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 2,815 |
| Cost of funding earning assets | 0.1387% | 4,202 |
| Net interest margin | 3.3687% | 2,243 |
| Noninterest income to average assets | 1.3874% | 619 |
| Noninterest expense to average assets | 2.6263% | 1,766 |
| Loan and lease loss provision to assets | 0.0736% | 1,572 |
| Net operating income to assets | 1.8532% | 613 |
| Return on assets (ROA) | 1.8532% | 635 |
| Pretax return on assets | 1.8532% | 1,040 |
| Return on Equity (ROE) | 17.5154% | 684 |
| Retained earnings to average equity (ytd only) | 10.2265% | 1,254 |
| Net charge-offs to loans | 0.0628% | 1,011 |
| Credit loss provision to net charge-offs | 189.6907% | 1,233 |
| Earnings coverage of net charge-offs (x) | 49.6948% | 1,246 |
| Efficiency ratio | 57.6831% | 3,320 |
| Assets per employee ($millions) | 5.1478% | 3,556 |
| Cash dividends to net income (ytd only)* | 41.6142% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,814 |
| Loan loss allowance to noncurrent loans | 326.0177% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 1,415 |
| Noncurrent loans to loans | 0.4448% | 2,228 |
| Net loans and leases to total assets | 59.6741% | 2,303 |
| Net loans and leases to deposits | 69.1255% | 2,321 |
| Net loans and leases to core deposits | 71.2729% | 2,492 |
| Total domestic deposits to total assets | 86.3272% | 2,622 |
| Equity capital to assets | 10.8008% | 2,163 |
| Core capital (leverage) ratio | 10.6382% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9315% | 1,639 |
| Memoranda: | ||
| Average total assets | $1,667,883,000 | 631 |
| Average earning assets | $1,567,368,750 | 618 |
| Average equity | $176,465,000 | 624 |
| Average total loans | $1,029,687,750 | 652 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 2,875 |
| Cost of funding earning assets | 0.1482% | 4,220 |
| Net interest margin | 3.3582% | 2,276 |
| Noninterest income to average assets | 1.2443% | 757 |
| Noninterest expense to average assets | 2.5756% | 1,926 |
| Loan and lease loss provision to assets | 0.0817% | 1,491 |
| Net operating income to assets | 1.7422% | 810 |
| Return on assets (ROA) | 1.7422% | 856 |
| Pretax return on assets | 1.7422% | 1,379 |
| Return on Equity (ROE) | 16.5828% | 842 |
| Retained earnings to average equity (ytd only) | 9.7823% | 1,472 |
| Net charge-offs to loans | 0.0735% | 908 |
| Credit loss provision to net charge-offs | 178.9474% | 1,095 |
| Earnings coverage of net charge-offs (x) | 39.9447% | 1,166 |
| Efficiency ratio | 58.5432% | 3,207 |
| Assets per employee ($millions) | 5.2860% | 3,366 |
| Cash dividends to net income (ytd only)* | 41.0097% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,860 |
| Loan loss allowance to noncurrent loans | 313.0575% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 1,527 |
| Noncurrent loans to loans | 0.4560% | 2,310 |
| Net loans and leases to total assets | 58.6887% | 2,582 |
| Net loans and leases to deposits | 68.0991% | 2,606 |
| Net loans and leases to core deposits | 70.2953% | 2,753 |
| Total domestic deposits to total assets | 86.1813% | 2,674 |
| Equity capital to assets | 10.3465% | 2,545 |
| Core capital (leverage) ratio | 10.3238% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5033% | 1,805 |
| Memoranda: | ||
| Average total assets | $1,664,452,000 | 622 |
| Average earning assets | $1,563,885,667 | 612 |
| Average equity | $174,867,667 | 621 |
| Average total loans | $1,034,192,667 | 653 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 2,492 |
| Cost of funding earning assets | 0.1656% | 4,194 |
| Net interest margin | 3.4868% | 1,859 |
| Noninterest income to average assets | 1.2862% | 764 |
| Noninterest expense to average assets | 2.5956% | 1,899 |
| Loan and lease loss provision to assets | 0.0879% | 1,500 |
| Net operating income to assets | 1.8731% | 694 |
| Return on assets (ROA) | 1.8731% | 744 |
| Pretax return on assets | 1.8731% | 1,154 |
| Return on Equity (ROE) | 17.6882% | 760 |
| Retained earnings to average equity (ytd only) | 17.3192% | 400 |
| Net charge-offs to loans | -0.0096% | 3,651 |
| Credit loss provision to net charge-offs | -1,440.0000% | 3,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9629% | 3,430 |
| Assets per employee ($millions) | 5.2326% | 3,395 |
| Cash dividends to net income (ytd only)* | 2.0863% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,909 |
| Loan loss allowance to noncurrent loans | 204.9400% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 1,528 |
| Noncurrent loans to loans | 0.6887% | 1,859 |
| Net loans and leases to total assets | 61.0684% | 2,396 |
| Net loans and leases to deposits | 71.2947% | 2,389 |
| Net loans and leases to core deposits | 73.8417% | 2,529 |
| Total domestic deposits to total assets | 85.6563% | 2,867 |
| Equity capital to assets | 10.3450% | 2,399 |
| Core capital (leverage) ratio | 10.7934% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7325% | 1,666 |
| Memoranda: | ||
| Average total assets | $1,637,695,500 | 624 |
| Average earning assets | $1,536,066,000 | 614 |
| Average equity | $173,426,500 | 623 |
| Average total loans | $1,039,863,000 | 652 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 2,708 |
| Cost of funding earning assets | 0.5059% | 2,917 |
| Net interest margin | 3.4994% | 2,480 |
| Noninterest income to average assets | 1.2027% | 772 |
| Noninterest expense to average assets | 2.6638% | 2,346 |
| Loan and lease loss provision to assets | 0.1734% | 2,223 |
| Net operating income to assets | 1.6466% | 579 |
| Return on assets (ROA) | 1.6466% | 624 |
| Pretax return on assets | 1.6466% | 962 |
| Return on Equity (ROE) | 14.7383% | 681 |
| Retained earnings to average equity (ytd only) | 4.5059% | 2,528 |
| Net charge-offs to loans | 0.0439% | 2,185 |
| Credit loss provision to net charge-offs | 584.1060% | 1,124 |
| Earnings coverage of net charge-offs (x) | 61.3024% | 1,057 |
| Efficiency ratio | 59.4095% | 3,534 |
| Assets per employee ($millions) | 4.9866% | 3,407 |
| Cash dividends to net income (ytd only)* | 69.4276% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 2,074 |
| Loan loss allowance to noncurrent loans | 196.6855% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 1,382 |
| Noncurrent loans to loans | 0.6996% | 1,945 |
| Net loans and leases to total assets | 64.2337% | 2,328 |
| Net loans and leases to deposits | 76.3061% | 2,252 |
| Net loans and leases to core deposits | 80.5454% | 2,313 |
| Total domestic deposits to total assets | 84.1790% | 3,058 |
| Equity capital to assets | 10.8472% | 2,388 |
| Core capital (leverage) ratio | 10.5882% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8139% | 1,921 |
| Memoranda: | ||
| Average total assets | $1,525,824,200 | 607 |
| Average earning assets | $1,430,641,800 | 592 |
| Average equity | $170,467,000 | 596 |
| Average total loans | $1,031,895,400 | 617 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 2,975 |
| Cost of funding earning assets | 0.5796% | 2,744 |
| Net interest margin | 3.4211% | 2,850 |
| Noninterest income to average assets | 1.2040% | 739 |
| Noninterest expense to average assets | 2.6634% | 2,357 |
| Loan and lease loss provision to assets | 0.1715% | 2,273 |
| Net operating income to assets | 1.5816% | 762 |
| Return on assets (ROA) | 1.5816% | 834 |
| Pretax return on assets | 1.5816% | 1,232 |
| Return on Equity (ROE) | 14.0490% | 875 |
| Retained earnings to average equity (ytd only) | 7.6805% | 1,427 |
| Net charge-offs to loans | 0.0070% | 2,872 |
| Credit loss provision to net charge-offs | 3,592.5926% | 294 |
| Earnings coverage of net charge-offs (x) | 367.2778% | 310 |
| Efficiency ratio | 60.3054% | 3,348 |
| Assets per employee ($millions) | 5.0108% | 3,237 |
| Cash dividends to net income (ytd only)* | 45.3306% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,149 |
| Loan loss allowance to noncurrent loans | 173.5582% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 1,428 |
| Noncurrent loans to loans | 0.7498% | 1,926 |
| Net loans and leases to total assets | 67.6747% | 2,285 |
| Net loans and leases to deposits | 80.7914% | 2,225 |
| Net loans and leases to core deposits | 85.8833% | 2,314 |
| Total domestic deposits to total assets | 83.7647% | 2,904 |
| Equity capital to assets | 11.1813% | 2,252 |
| Core capital (leverage) ratio | 10.7734% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5724% | 1,974 |
| Memoranda: | ||
| Average total assets | $1,508,351,250 | 598 |
| Average earning assets | $1,416,401,000 | 579 |
| Average equity | $169,811,000 | 588 |
| Average total loans | $1,030,047,000 | 614 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 3,108 |
| Cost of funding earning assets | 0.6747% | 2,532 |
| Net interest margin | 3.4019% | 3,095 |
| Noninterest income to average assets | 1.2095% | 684 |
| Noninterest expense to average assets | 2.6706% | 2,467 |
| Loan and lease loss provision to assets | 0.1426% | 2,588 |
| Net operating income to assets | 1.6025% | 756 |
| Return on assets (ROA) | 1.6025% | 825 |
| Pretax return on assets | 1.6025% | 1,218 |
| Return on Equity (ROE) | 14.1998% | 853 |
| Retained earnings to average equity (ytd only) | 9.3760% | 918 |
| Net charge-offs to loans | 0.0244% | 2,226 |
| Credit loss provision to net charge-offs | 855.6452% | 874 |
| Earnings coverage of net charge-offs (x) | 104.7258% | 682 |
| Efficiency ratio | 60.4808% | 3,344 |
| Assets per employee ($millions) | 5.1143% | 3,044 |
| Cash dividends to net income (ytd only)* | 33.9706% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,453 |
| Loan loss allowance to noncurrent loans | 217.4892% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 1,849 |
| Noncurrent loans to loans | 0.5574% | 2,495 |
| Net loans and leases to total assets | 66.1939% | 2,601 |
| Net loans and leases to deposits | 78.4198% | 2,611 |
| Net loans and leases to core deposits | 82.1773% | 2,766 |
| Total domestic deposits to total assets | 84.4097% | 2,593 |
| Equity capital to assets | 10.7661% | 2,517 |
| Core capital (leverage) ratio | 10.7560% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6320% | 1,947 |
| Memoranda: | ||
| Average total assets | $1,488,344,000 | 596 |
| Average earning assets | $1,402,699,333 | 577 |
| Average equity | $167,960,000 | 595 |
| Average total loans | $1,014,934,000 | 612 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,814 |
| Cost of funding earning assets | 0.8011% | 2,390 |
| Net interest margin | 3.5321% | 2,877 |
| Noninterest income to average assets | 1.4706% | 415 |
| Noninterest expense to average assets | 2.8571% | 2,249 |
| Loan and lease loss provision to assets | 0.1021% | 2,408 |
| Net operating income to assets | 1.8324% | 382 |
| Return on assets (ROA) | 1.8324% | 428 |
| Pretax return on assets | 1.8324% | 653 |
| Return on Equity (ROE) | 15.8290% | 444 |
| Retained earnings to average equity (ytd only) | 15.2344% | 179 |
| Net charge-offs to loans | -0.0163% | 4,253 |
| Credit loss provision to net charge-offs | -912.5000% | 3,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6263% | 3,792 |
| Assets per employee ($millions) | 4.4656% | 3,314 |
| Cash dividends to net income (ytd only)* | 3.7563% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,315 |
| Loan loss allowance to noncurrent loans | 197.1172% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 1,582 |
| Noncurrent loans to loans | 0.6414% | 2,388 |
| Net loans and leases to total assets | 67.9629% | 2,544 |
| Net loans and leases to deposits | 78.7375% | 2,808 |
| Net loans and leases to core deposits | 83.1533% | 2,924 |
| Total domestic deposits to total assets | 86.3157% | 1,866 |
| Equity capital to assets | 11.8850% | 2,152 |
| Core capital (leverage) ratio | 11.5820% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1151% | 2,231 |
| Memoranda: | ||
| Average total assets | $1,429,573,000 | 595 |
| Average earning assets | $1,344,115,000 | 576 |
| Average equity | $165,494,000 | 597 |
| Average total loans | $984,379,000 | 605 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,987 |
| Cost of funding earning assets | 0.8908% | 2,230 |
| Net interest margin | 3.5965% | 3,144 |
| Noninterest income to average assets | 1.3598% | 521 |
| Noninterest expense to average assets | 2.7900% | 2,636 |
| Loan and lease loss provision to assets | 0.1014% | 2,030 |
| Net operating income to assets | 1.8608% | 465 |
| Return on assets (ROA) | 1.8635% | 485 |
| Pretax return on assets | 1.8635% | 809 |
| Return on Equity (ROE) | 16.7902% | 441 |
| Retained earnings to average equity (ytd only) | 5.0988% | 2,369 |
| Net charge-offs to loans | 0.1498% | 1,327 |
| Credit loss provision to net charge-offs | 97.2973% | 2,548 |
| Earnings coverage of net charge-offs (x) | 18.8250% | 2,033 |
| Efficiency ratio | 58.7092% | 3,878 |
| Assets per employee ($millions) | 4.4275% | 3,334 |
| Cash dividends to net income (ytd only)* | 69.6323% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,248 |
| Loan loss allowance to noncurrent loans | 177.4326% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 1,552 |
| Noncurrent loans to loans | 0.6970% | 2,139 |
| Net loans and leases to total assets | 68.0318% | 2,676 |
| Net loans and leases to deposits | 78.8600% | 2,922 |
| Net loans and leases to core deposits | 84.7584% | 2,896 |
| Total domestic deposits to total assets | 86.2690% | 1,949 |
| Equity capital to assets | 11.2643% | 2,746 |
| Core capital (leverage) ratio | 10.6282% | 2,828 |
| Tier 1 risk-based capital ratio | 12.6290% | 3,991 |
| Total risk-based capital ratio | 13.6468% | 4,000 |
| Memoranda: | ||
| Average total assets | $1,419,866,200 | 575 |
| Average earning assets | $1,339,287,400 | 561 |
| Average equity | $157,586,000 | 594 |
| Average total loans | $988,124,200 | 581 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 3,039 |
| Cost of funding earning assets | 0.8983% | 2,244 |
| Net interest margin | 3.6085% | 3,225 |
| Noninterest income to average assets | 1.3485% | 515 |
| Noninterest expense to average assets | 2.7906% | 2,586 |
| Loan and lease loss provision to assets | 0.1014% | 1,893 |
| Net operating income to assets | 1.8605% | 555 |
| Return on assets (ROA) | 1.8640% | 572 |
| Pretax return on assets | 1.8640% | 951 |
| Return on Equity (ROE) | 16.8583% | 492 |
| Retained earnings to average equity (ytd only) | 10.1535% | 717 |
| Net charge-offs to loans | 0.1058% | 1,407 |
| Credit loss provision to net charge-offs | 137.4046% | 1,749 |
| Earnings coverage of net charge-offs (x) | 26.5752% | 1,739 |
| Efficiency ratio | 58.7186% | 3,835 |
| Assets per employee ($millions) | 4.4764% | 3,247 |
| Cash dividends to net income (ytd only)* | 39.7713% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,194 |
| Loan loss allowance to noncurrent loans | 196.8671% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 1,529 |
| Noncurrent loans to loans | 0.6385% | 2,373 |
| Net loans and leases to total assets | 68.2318% | 2,757 |
| Net loans and leases to deposits | 78.6706% | 3,037 |
| Net loans and leases to core deposits | 84.6036% | 3,037 |
| Total domestic deposits to total assets | 86.7310% | 1,662 |
| Equity capital to assets | 11.4734% | 2,674 |
| Core capital (leverage) ratio | 10.7585% | 2,881 |
| Tier 1 risk-based capital ratio | 12.7358% | 4,003 |
| Total risk-based capital ratio | 13.7659% | 4,009 |
| Memoranda: | ||
| Average total assets | $1,419,526,000 | 579 |
| Average earning assets | $1,339,116,500 | 564 |
| Average equity | $156,959,750 | 597 |
| Average total loans | $990,406,750 | 583 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,041 |
| Cost of funding earning assets | 0.8805% | 2,241 |
| Net interest margin | 3.6109% | 3,218 |
| Noninterest income to average assets | 1.3458% | 485 |
| Noninterest expense to average assets | 2.7710% | 2,687 |
| Loan and lease loss provision to assets | 0.1088% | 1,721 |
| Net operating income to assets | 1.8784% | 505 |
| Return on assets (ROA) | 1.8838% | 524 |
| Pretax return on assets | 1.8838% | 863 |
| Return on Equity (ROE) | 17.2561% | 439 |
| Retained earnings to average equity (ytd only) | 10.2268% | 698 |
| Net charge-offs to loans | 0.0426% | 2,047 |
| Credit loss provision to net charge-offs | 364.9289% | 780 |
| Earnings coverage of net charge-offs (x) | 66.6445% | 928 |
| Efficiency ratio | 58.2358% | 3,979 |
| Assets per employee ($millions) | 4.4797% | 3,171 |
| Cash dividends to net income (ytd only)* | 40.7352% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,108 |
| Loan loss allowance to noncurrent loans | 114.0460% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 1,650 |
| Noncurrent loans to loans | 1.1200% | 1,455 |
| Net loans and leases to total assets | 68.0830% | 2,798 |
| Net loans and leases to deposits | 77.9256% | 3,155 |
| Net loans and leases to core deposits | 83.5875% | 3,146 |
| Total domestic deposits to total assets | 87.3692% | 1,399 |
| Equity capital to assets | 11.0750% | 2,967 |
| Core capital (leverage) ratio | 10.3823% | 3,207 |
| Tier 1 risk-based capital ratio | 12.4061% | 4,180 |
| Total risk-based capital ratio | 13.4655% | 4,164 |
| Memoranda: | ||
| Average total assets | $1,415,219,000 | 577 |
| Average earning assets | $1,337,447,330 | 563 |
| Average equity | $154,496,330 | 603 |
| Average total loans | $990,600,330 | 581 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,831 |
| Cost of funding earning assets | 0.8261% | 2,390 |
| Net interest margin | 3.6844% | 2,950 |
| Noninterest income to average assets | 1.4367% | 417 |
| Noninterest expense to average assets | 2.7934% | 2,593 |
| Loan and lease loss provision to assets | 0.0599% | 2,456 |
| Net operating income to assets | 2.0645% | 350 |
| Return on assets (ROA) | 2.0754% | 358 |
| Pretax return on assets | 2.0754% | 558 |
| Return on Equity (ROE) | 19.1535% | 316 |
| Retained earnings to average equity (ytd only) | 17.5416% | 161 |
| Net charge-offs to loans | 0.0182% | 2,107 |
| Credit loss provision to net charge-offs | 466.6667% | 635 |
| Earnings coverage of net charge-offs (x) | 165.4222% | 464 |
| Efficiency ratio | 56.8013% | 4,240 |
| Assets per employee ($millions) | 4.4739% | 3,229 |
| Cash dividends to net income (ytd only)* | 8.4158% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,387 |
| Loan loss allowance to noncurrent loans | 284.2992% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 3,118 |
| Noncurrent loans to loans | 0.4357% | 3,020 |
| Net loans and leases to total assets | 67.5149% | 2,826 |
| Net loans and leases to deposits | 77.1988% | 3,144 |
| Net loans and leases to core deposits | 82.1752% | 3,169 |
| Total domestic deposits to total assets | 87.4559% | 1,587 |
| Equity capital to assets | 10.7685% | 3,077 |
| Core capital (leverage) ratio | 10.6638% | 2,880 |
| Tier 1 risk-based capital ratio | 12.1807% | 4,362 |
| Total risk-based capital ratio | 13.1960% | 4,384 |
| Memoranda: | ||
| Average total assets | $1,401,590,500 | 584 |
| Average earning assets | $1,324,303,000 | 568 |
| Average equity | $151,867,500 | 608 |
| Average total loans | $988,506,500 | 584 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 3,208 |
| Cost of funding earning assets | 0.5884% | 2,801 |
| Net interest margin | 3.6833% | 3,101 |
| Noninterest income to average assets | 1.3592% | 493 |
| Noninterest expense to average assets | 2.8860% | 2,405 |
| Loan and lease loss provision to assets | 0.0606% | 2,949 |
| Net operating income to assets | 1.8833% | 468 |
| Return on assets (ROA) | 1.8555% | 497 |
| Pretax return on assets | 1.8555% | 803 |
| Return on Equity (ROE) | 16.8324% | 510 |
| Retained earnings to average equity (ytd only) | 2.6435% | 4,083 |
| Net charge-offs to loans | 0.0696% | 2,124 |
| Credit loss provision to net charge-offs | 122.0238% | 2,138 |
| Earnings coverage of net charge-offs (x) | 39.1116% | 1,338 |
| Efficiency ratio | 59.7528% | 3,905 |
| Assets per employee ($millions) | 4.1899% | 3,627 |
| Cash dividends to net income (ytd only)* | 84.2953% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,375 |
| Loan loss allowance to noncurrent loans | 222.6132% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,477 |
| Noncurrent loans to loans | 0.5551% | 2,609 |
| Net loans and leases to total assets | 71.9612% | 2,263 |
| Net loans and leases to deposits | 83.5284% | 2,559 |
| Net loans and leases to core deposits | 88.1359% | 2,742 |
| Total domestic deposits to total assets | 86.1517% | 2,157 |
| Equity capital to assets | 10.9074% | 2,786 |
| Core capital (leverage) ratio | 10.2505% | 3,304 |
| Tier 1 risk-based capital ratio | 11.5255% | 4,714 |
| Total risk-based capital ratio | 12.5392% | 4,730 |
| Memoranda: | ||
| Average total assets | $1,352,073,600 | 584 |
| Average earning assets | $1,274,052,200 | 573 |
| Average equity | $149,046,000 | 577 |
| Average total loans | $965,863,600 | 575 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 3,328 |
| Cost of funding earning assets | 0.5386% | 2,940 |
| Net interest margin | 3.6604% | 3,164 |
| Noninterest income to average assets | 1.3944% | 488 |
| Noninterest expense to average assets | 2.8793% | 2,372 |
| Loan and lease loss provision to assets | 0.0532% | 2,915 |
| Net operating income to assets | 1.9099% | 474 |
| Return on assets (ROA) | 1.9099% | 473 |
| Pretax return on assets | 1.9099% | 804 |
| Return on Equity (ROE) | 17.2800% | 511 |
| Retained earnings to average equity (ytd only) | 9.3204% | 1,110 |
| Net charge-offs to loans | 0.0283% | 2,533 |
| Credit loss provision to net charge-offs | 264.7059% | 1,127 |
| Earnings coverage of net charge-offs (x) | 97.6384% | 765 |
| Efficiency ratio | 59.4602% | 3,892 |
| Assets per employee ($millions) | 4.2769% | 3,467 |
| Cash dividends to net income (ytd only)* | 46.0626% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,293 |
| Loan loss allowance to noncurrent loans | 174.4837% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 2,405 |
| Noncurrent loans to loans | 0.7241% | 2,270 |
| Net loans and leases to total assets | 70.6574% | 2,547 |
| Net loans and leases to deposits | 81.4368% | 2,878 |
| Net loans and leases to core deposits | 86.0548% | 2,986 |
| Total domestic deposits to total assets | 86.7634% | 1,841 |
| Equity capital to assets | 11.1932% | 2,479 |
| Core capital (leverage) ratio | 10.8098% | 2,783 |
| Tier 1 risk-based capital ratio | 12.1462% | 4,412 |
| Total risk-based capital ratio | 13.1755% | 4,422 |
| Memoranda: | ||
| Average total assets | $1,352,801,750 | 584 |
| Average earning assets | $1,274,284,000 | 569 |
| Average equity | $149,517,750 | 568 |
| Average total loans | $961,574,500 | 574 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 3,326 |
| Cost of funding earning assets | 0.4747% | 3,196 |
| Net interest margin | 3.6629% | 3,067 |
| Noninterest income to average assets | 1.3978% | 486 |
| Noninterest expense to average assets | 2.8641% | 2,451 |
| Loan and lease loss provision to assets | 0.0534% | 2,843 |
| Net operating income to assets | 1.9310% | 432 |
| Return on assets (ROA) | 1.9310% | 433 |
| Pretax return on assets | 1.9310% | 715 |
| Return on Equity (ROE) | 17.5463% | 471 |
| Retained earnings to average equity (ytd only) | 10.7118% | 732 |
| Net charge-offs to loans | 0.0044% | 3,019 |
| Credit loss provision to net charge-offs | 1,714.2857% | 248 |
| Earnings coverage of net charge-offs (x) | 637.3333% | 131 |
| Efficiency ratio | 59.0728% | 4,073 |
| Assets per employee ($millions) | 4.1873% | 3,599 |
| Cash dividends to net income (ytd only)* | 38.9512% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,293 |
| Loan loss allowance to noncurrent loans | 164.4981% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,295 |
| Noncurrent loans to loans | 0.7762% | 2,184 |
| Net loans and leases to total assets | 70.9751% | 2,437 |
| Net loans and leases to deposits | 81.7053% | 2,795 |
| Net loans and leases to core deposits | 85.7305% | 2,947 |
| Total domestic deposits to total assets | 86.8672% | 1,895 |
| Equity capital to assets | 11.2218% | 2,435 |
| Core capital (leverage) ratio | 10.5891% | 2,936 |
| Tier 1 risk-based capital ratio | 12.0374% | 4,471 |
| Total risk-based capital ratio | 13.0787% | 4,487 |
| Memoranda: | ||
| Average total assets | $1,348,957,330 | 583 |
| Average earning assets | $1,270,790,330 | 568 |
| Average equity | $148,452,670 | 567 |
| Average total loans | $956,653,000 | 581 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 3,362 |
| Cost of funding earning assets | 0.4308% | 3,364 |
| Net interest margin | 3.6320% | 3,064 |
| Noninterest income to average assets | 1.2094% | 632 |
| Noninterest expense to average assets | 2.8836% | 2,431 |
| Loan and lease loss provision to assets | 0.0533% | 2,707 |
| Net operating income to assets | 1.6940% | 693 |
| Return on assets (ROA) | 1.6940% | 702 |
| Pretax return on assets | 1.6940% | 1,131 |
| Return on Equity (ROE) | 15.5451% | 700 |
| Retained earnings to average equity (ytd only) | 14.9177% | 333 |
| Net charge-offs to loans | 0.0420% | 1,700 |
| Credit loss provision to net charge-offs | 180.0000% | 1,116 |
| Earnings coverage of net charge-offs (x) | 59.0300% | 851 |
| Efficiency ratio | 62.2691% | 3,737 |
| Assets per employee ($millions) | 4.2193% | 3,617 |
| Cash dividends to net income (ytd only)* | 4.0363% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,465 |
| Loan loss allowance to noncurrent loans | 144.7227% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 2,208 |
| Noncurrent loans to loans | 0.8699% | 2,079 |
| Net loans and leases to total assets | 69.0933% | 2,614 |
| Net loans and leases to deposits | 79.2189% | 2,896 |
| Net loans and leases to core deposits | 82.8687% | 3,074 |
| Total domestic deposits to total assets | 87.2182% | 2,033 |
| Equity capital to assets | 10.8638% | 2,707 |
| Core capital (leverage) ratio | 10.4265% | 3,032 |
| Tier 1 risk-based capital ratio | 11.8092% | 4,678 |
| Total risk-based capital ratio | 12.8309% | 4,708 |
| Memoranda: | ||
| Average total assets | $1,351,376,500 | 589 |
| Average earning assets | $1,273,022,000 | 572 |
| Average equity | $147,261,500 | 574 |
| Average total loans | $951,815,000 | 586 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,691 |
| Cost of funding earning assets | 0.3629% | 3,591 |
| Net interest margin | 3.5469% | 3,355 |
| Noninterest income to average assets | 1.3225% | 605 |
| Noninterest expense to average assets | 2.7910% | 2,804 |
| Loan and lease loss provision to assets | 0.1205% | 1,902 |
| Net operating income to assets | 1.7483% | 481 |
| Return on assets (ROA) | 1.7476% | 488 |
| Pretax return on assets | 1.7476% | 901 |
| Return on Equity (ROE) | 16.1161% | 468 |
| Retained earnings to average equity (ytd only) | 4.8146% | 2,246 |
| Net charge-offs to loans | 0.0397% | 3,004 |
| Credit loss provision to net charge-offs | 443.1319% | 707 |
| Earnings coverage of net charge-offs (x) | 68.7390% | 867 |
| Efficiency ratio | 59.8958% | 4,283 |
| Assets per employee ($millions) | 4.1480% | 3,743 |
| Cash dividends to net income (ytd only)* | 70.1257% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,373 |
| Loan loss allowance to noncurrent loans | 151.0764% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 2,237 |
| Noncurrent loans to loans | 0.8413% | 2,116 |
| Net loans and leases to total assets | 70.0042% | 2,520 |
| Net loans and leases to deposits | 81.2981% | 2,783 |
| Net loans and leases to core deposits | 85.3217% | 2,958 |
| Total domestic deposits to total assets | 86.1080% | 2,386 |
| Equity capital to assets | 10.9315% | 2,703 |
| Core capital (leverage) ratio | 10.0382% | 3,410 |
| Tier 1 risk-based capital ratio | 11.5378% | 4,825 |
| Total risk-based capital ratio | 12.5778% | 4,842 |
| Memoranda: | ||
| Average total assets | $1,338,902,800 | 577 |
| Average earning assets | $1,259,777,600 | 557 |
| Average equity | $145,183,600 | 555 |
| Average total loans | $916,787,200 | 581 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,694 |
| Cost of funding earning assets | 0.3517% | 3,650 |
| Net interest margin | 3.5432% | 3,341 |
| Noninterest income to average assets | 1.3559% | 568 |
| Noninterest expense to average assets | 2.7754% | 2,812 |
| Loan and lease loss provision to assets | 0.1383% | 1,550 |
| Net operating income to assets | 1.7752% | 489 |
| Return on assets (ROA) | 1.7746% | 504 |
| Pretax return on assets | 1.7746% | 946 |
| Return on Equity (ROE) | 16.3984% | 486 |
| Retained earnings to average equity (ytd only) | 8.3109% | 1,089 |
| Net charge-offs to loans | 0.0328% | 2,776 |
| Credit loss provision to net charge-offs | 620.9821% | 528 |
| Earnings coverage of net charge-offs (x) | 85.9016% | 773 |
| Efficiency ratio | 59.1907% | 4,328 |
| Assets per employee ($millions) | 4.2077% | 3,628 |
| Cash dividends to net income (ytd only)* | 49.3191% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,413 |
| Loan loss allowance to noncurrent loans | 141.4599% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 2,007 |
| Noncurrent loans to loans | 0.9111% | 2,106 |
| Net loans and leases to total assets | 67.5803% | 2,902 |
| Net loans and leases to deposits | 77.6411% | 3,204 |
| Net loans and leases to core deposits | 80.9423% | 3,375 |
| Total domestic deposits to total assets | 87.0419% | 1,857 |
| Equity capital to assets | 11.0743% | 2,787 |
| Core capital (leverage) ratio | 10.0956% | 3,449 |
| Tier 1 risk-based capital ratio | 11.7487% | 4,808 |
| Total risk-based capital ratio | 12.7853% | 4,831 |
| Memoranda: | ||
| Average total assets | $1,340,755,250 | 575 |
| Average earning assets | $1,261,192,250 | 557 |
| Average equity | $145,091,500 | 560 |
| Average total loans | $909,958,750 | 582 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,616 |
| Cost of funding earning assets | 0.3391% | 3,703 |
| Net interest margin | 3.5430% | 3,246 |
| Noninterest income to average assets | 1.4344% | 523 |
| Noninterest expense to average assets | 2.7860% | 2,812 |
| Loan and lease loss provision to assets | 0.1412% | 1,452 |
| Net operating income to assets | 1.8414% | 417 |
| Return on assets (ROA) | 1.8405% | 433 |
| Pretax return on assets | 1.8405% | 765 |
| Return on Equity (ROE) | 17.1425% | 403 |
| Retained earnings to average equity (ytd only) | 9.3052% | 758 |
| Net charge-offs to loans | 0.0345% | 2,499 |
| Credit loss provision to net charge-offs | 605.1282% | 563 |
| Earnings coverage of net charge-offs (x) | 84.9872% | 734 |
| Efficiency ratio | 58.4245% | 4,541 |
| Assets per employee ($millions) | 4.2200% | 3,583 |
| Cash dividends to net income (ytd only)* | 45.7182% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,740 |
| Loan loss allowance to noncurrent loans | 143.2882% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 2,092 |
| Noncurrent loans to loans | 0.8673% | 2,243 |
| Net loans and leases to total assets | 68.1196% | 2,798 |
| Net loans and leases to deposits | 79.2648% | 2,999 |
| Net loans and leases to core deposits | 82.9418% | 3,178 |
| Total domestic deposits to total assets | 85.9393% | 2,396 |
| Equity capital to assets | 10.9579% | 2,849 |
| Core capital (leverage) ratio | 10.0018% | 3,534 |
| Tier 1 risk-based capital ratio | 11.5400% | 4,932 |
| Total risk-based capital ratio | 12.5458% | 4,974 |
| Memoranda: | ||
| Average total assets | $1,337,454,000 | 580 |
| Average earning assets | $1,258,665,330 | 560 |
| Average equity | $143,596,670 | 566 |
| Average total loans | $905,046,000 | 590 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 3,723 |
| Cost of funding earning assets | 0.3397% | 3,634 |
| Net interest margin | 3.4720% | 3,382 |
| Noninterest income to average assets | 1.7361% | 383 |
| Noninterest expense to average assets | 2.7821% | 2,853 |
| Loan and lease loss provision to assets | 0.2166% | 738 |
| Net operating income to assets | 2.0062% | 302 |
| Return on assets (ROA) | 2.0044% | 314 |
| Pretax return on assets | 2.0044% | 498 |
| Return on Equity (ROE) | 18.8649% | 291 |
| Retained earnings to average equity (ytd only) | 18.3198% | 133 |
| Net charge-offs to loans | -0.0148% | 4,585 |
| Credit loss provision to net charge-offs | -2,187.8788% | 4,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5875% | 4,980 |
| Assets per employee ($millions) | 4.3017% | 3,506 |
| Cash dividends to net income (ytd only)* | 2.8892% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,698 |
| Loan loss allowance to noncurrent loans | 155.1719% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 2,443 |
| Noncurrent loans to loans | 0.8173% | 2,407 |
| Net loans and leases to total assets | 66.3191% | 2,925 |
| Net loans and leases to deposits | 75.7192% | 3,228 |
| Net loans and leases to core deposits | 78.9789% | 3,392 |
| Total domestic deposits to total assets | 87.5856% | 1,950 |
| Equity capital to assets | 10.7861% | 2,871 |
| Core capital (leverage) ratio | 9.8450% | 3,698 |
| Tier 1 risk-based capital ratio | 11.7005% | 4,909 |
| Total risk-based capital ratio | 12.7202% | 4,948 |
| Memoranda: | ||
| Average total assets | $1,333,097,000 | 582 |
| Average earning assets | $1,255,072,500 | 567 |
| Average equity | $141,639,000 | 570 |
| Average total loans | $893,297,500 | 601 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,906 |
| Cost of funding earning assets | 0.3178% | 3,869 |
| Net interest margin | 3.4849% | 3,491 |
| Noninterest income to average assets | 1.1635% | 836 |
| Noninterest expense to average assets | 2.8825% | 2,734 |
| Loan and lease loss provision to assets | 0.0515% | 3,358 |
| Net operating income to assets | 1.4975% | 834 |
| Return on assets (ROA) | 1.4965% | 853 |
| Pretax return on assets | 1.4965% | 1,593 |
| Return on Equity (ROE) | 13.4618% | 888 |
| Retained earnings to average equity (ytd only) | 3.7356% | 3,260 |
| Net charge-offs to loans | 0.0592% | 2,862 |
| Credit loss provision to net charge-offs | 130.2605% | 2,063 |
| Earnings coverage of net charge-offs (x) | 39.1683% | 1,194 |
| Efficiency ratio | 65.0458% | 3,752 |
| Assets per employee ($millions) | 4.0476% | 3,879 |
| Cash dividends to net income (ytd only)* | 72.2502% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,987 |
| Loan loss allowance to noncurrent loans | 144.6193% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 2,398 |
| Noncurrent loans to loans | 0.8454% | 2,410 |
| Net loans and leases to total assets | 66.0258% | 3,072 |
| Net loans and leases to deposits | 77.7031% | 3,136 |
| Net loans and leases to core deposits | 81.5061% | 3,251 |
| Total domestic deposits to total assets | 84.9720% | 3,062 |
| Equity capital to assets | 10.4592% | 3,201 |
| Core capital (leverage) ratio | 9.9686% | 3,523 |
| Tier 1 risk-based capital ratio | 11.4268% | 5,101 |
| Total risk-based capital ratio | 12.3767% | 5,152 |
| Memoranda: | ||
| Average total assets | $1,261,790,800 | 586 |
| Average earning assets | $1,183,231,000 | 571 |
| Average equity | $140,270,600 | 564 |
| Average total loans | $842,503,200 | 598 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 3,934 |
| Cost of funding earning assets | 0.3155% | 3,921 |
| Net interest margin | 3.4810% | 3,538 |
| Noninterest income to average assets | 1.1757% | 835 |
| Noninterest expense to average assets | 2.9094% | 2,616 |
| Loan and lease loss provision to assets | 0.0601% | 3,055 |
| Net operating income to assets | 1.4669% | 940 |
| Return on assets (ROA) | 1.4669% | 984 |
| Pretax return on assets | 1.4669% | 1,820 |
| Return on Equity (ROE) | 12.9932% | 1,059 |
| Retained earnings to average equity (ytd only) | 7.5216% | 1,389 |
| Net charge-offs to loans | 0.0112% | 3,539 |
| Credit loss provision to net charge-offs | 804.2857% | 501 |
| Earnings coverage of net charge-offs (x) | 204.2593% | 365 |
| Efficiency ratio | 65.5793% | 3,665 |
| Assets per employee ($millions) | 4.0793% | 3,822 |
| Cash dividends to net income (ytd only)* | 42.1114% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,683 |
| Loan loss allowance to noncurrent loans | 128.5847% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 2,292 |
| Noncurrent loans to loans | 1.0119% | 2,218 |
| Net loans and leases to total assets | 65.0706% | 3,261 |
| Net loans and leases to deposits | 75.0068% | 3,498 |
| Net loans and leases to core deposits | 78.5340% | 3,610 |
| Total domestic deposits to total assets | 86.7528% | 2,004 |
| Equity capital to assets | 11.2661% | 2,729 |
| Core capital (leverage) ratio | 10.3179% | 3,211 |
| Tier 1 risk-based capital ratio | 11.9506% | 4,818 |
| Total risk-based capital ratio | 12.9544% | 4,879 |
| Memoranda: | ||
| Average total assets | $1,248,371,750 | 587 |
| Average earning assets | $1,169,420,000 | 575 |
| Average equity | $140,941,500 | 565 |
| Average total loans | $833,304,250 | 602 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 3,973 |
| Cost of funding earning assets | 0.3110% | 4,007 |
| Net interest margin | 3.4831% | 3,551 |
| Noninterest income to average assets | 1.1581% | 838 |
| Noninterest expense to average assets | 2.9219% | 2,606 |
| Loan and lease loss provision to assets | 0.0608% | 2,923 |
| Net operating income to assets | 1.4410% | 988 |
| Return on assets (ROA) | 1.4410% | 1,037 |
| Pretax return on assets | 1.4410% | 1,874 |
| Return on Equity (ROE) | 12.7540% | 1,091 |
| Retained earnings to average equity (ytd only) | 7.5962% | 1,341 |
| Net charge-offs to loans | 0.0544% | 2,426 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 41.1644% | 1,139 |
| Efficiency ratio | 66.0509% | 3,679 |
| Assets per employee ($millions) | 4.0447% | 3,821 |
| Cash dividends to net income (ytd only)* | 40.4411% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,975 |
| Loan loss allowance to noncurrent loans | 121.5239% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 2,300 |
| Noncurrent loans to loans | 1.0427% | 2,197 |
| Net loans and leases to total assets | 65.3304% | 3,176 |
| Net loans and leases to deposits | 76.5290% | 3,324 |
| Net loans and leases to core deposits | 80.3477% | 3,430 |
| Total domestic deposits to total assets | 85.3669% | 2,702 |
| Equity capital to assets | 11.1031% | 2,941 |
| Core capital (leverage) ratio | 10.2251% | 3,304 |
| Tier 1 risk-based capital ratio | 11.7793% | 4,987 |
| Total risk-based capital ratio | 12.7581% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,233,447,670 | 592 |
| Average earning assets | $1,156,449,670 | 579 |
| Average equity | $139,359,670 | 572 |
| Average total loans | $826,889,330 | 599 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 3,924 |
| Cost of funding earning assets | 0.3101% | 4,059 |
| Net interest margin | 3.4944% | 3,494 |
| Noninterest income to average assets | 1.1324% | 855 |
| Noninterest expense to average assets | 3.0231% | 2,324 |
| Loan and lease loss provision to assets | 0.0619% | 2,708 |
| Net operating income to assets | 1.3240% | 1,201 |
| Return on assets (ROA) | 1.3240% | 1,282 |
| Pretax return on assets | 1.3240% | 2,203 |
| Return on Equity (ROE) | 11.6118% | 1,422 |
| Retained earnings to average equity (ytd only) | 11.1012% | 634 |
| Net charge-offs to loans | 0.0093% | 2,817 |
| Credit loss provision to net charge-offs | 984.2105% | 376 |
| Earnings coverage of net charge-offs (x) | 220.4737% | 278 |
| Efficiency ratio | 68.5676% | 3,367 |
| Assets per employee ($millions) | 3.8981% | 4,123 |
| Cash dividends to net income (ytd only)* | 4.3978% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,803 |
| Loan loss allowance to noncurrent loans | 121.3980% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 2,192 |
| Noncurrent loans to loans | 1.0869% | 2,220 |
| Net loans and leases to total assets | 66.0024% | 2,944 |
| Net loans and leases to deposits | 76.3075% | 3,184 |
| Net loans and leases to core deposits | 80.6137% | 3,272 |
| Total domestic deposits to total assets | 86.4954% | 2,445 |
| Equity capital to assets | 11.4992% | 2,441 |
| Core capital (leverage) ratio | 10.7764% | 2,644 |
| Tier 1 risk-based capital ratio | 12.1194% | 4,838 |
| Total risk-based capital ratio | 13.1413% | 4,889 |
| Memoranda: | ||
| Average total assets | $1,209,089,000 | 607 |
| Average earning assets | $1,133,688,500 | 589 |
| Average equity | $137,859,500 | 574 |
| Average total loans | $816,137,000 | 607 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 3,818 |
| Cost of funding earning assets | 0.2734% | 4,552 |
| Net interest margin | 3.5950% | 3,158 |
| Noninterest income to average assets | 1.1885% | 849 |
| Noninterest expense to average assets | 3.1230% | 2,168 |
| Loan and lease loss provision to assets | 0.0478% | 3,372 |
| Net operating income to assets | 1.4057% | 1,031 |
| Return on assets (ROA) | 1.4241% | 1,035 |
| Pretax return on assets | 1.4241% | 1,806 |
| Return on Equity (ROE) | 12.0947% | 1,277 |
| Retained earnings to average equity (ytd only) | 2.7930% | 4,082 |
| Net charge-offs to loans | 0.0711% | 2,825 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 30.3855% | 1,446 |
| Efficiency ratio | 68.2390% | 3,521 |
| Assets per employee ($millions) | 3.7440% | 4,383 |
| Cash dividends to net income (ytd only)* | 76.9071% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,911 |
| Loan loss allowance to noncurrent loans | 116.9462% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 2,004 |
| Noncurrent loans to loans | 1.1105% | 2,119 |
| Net loans and leases to total assets | 67.2419% | 2,830 |
| Net loans and leases to deposits | 77.7781% | 3,077 |
| Net loans and leases to core deposits | 82.4732% | 3,096 |
| Total domestic deposits to total assets | 86.4535% | 2,406 |
| Equity capital to assets | 11.3028% | 2,539 |
| Core capital (leverage) ratio | 10.9969% | 2,412 |
| Tier 1 risk-based capital ratio | 11.6737% | 5,148 |
| Total risk-based capital ratio | 12.6386% | 5,214 |
| Memoranda: | ||
| Average total assets | $1,149,729,600 | 611 |
| Average earning assets | $1,083,561,600 | 594 |
| Average equity | $135,373,800 | 559 |
| Average total loans | $773,795,400 | 599 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,876 |
| Cost of funding earning assets | 0.2666% | 4,696 |
| Net interest margin | 3.5984% | 3,166 |
| Noninterest income to average assets | 1.2086% | 824 |
| Noninterest expense to average assets | 3.1476% | 2,091 |
| Loan and lease loss provision to assets | 0.0264% | 3,740 |
| Net operating income to assets | 1.4309% | 1,048 |
| Return on assets (ROA) | 1.4556% | 1,040 |
| Pretax return on assets | 1.4556% | 1,815 |
| Return on Equity (ROE) | 12.2335% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.9924% | 1,691 |
| Net charge-offs to loans | 0.0388% | 3,112 |
| Credit loss provision to net charge-offs | 101.3514% | 2,236 |
| Earnings coverage of net charge-offs (x) | 56.0095% | 962 |
| Efficiency ratio | 68.3541% | 3,475 |
| Assets per employee ($millions) | 3.5561% | 4,694 |
| Cash dividends to net income (ytd only)* | 42.8422% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,904 |
| Loan loss allowance to noncurrent loans | 121.5801% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1661% | 2,034 |
| Noncurrent loans to loans | 1.1023% | 2,289 |
| Net loans and leases to total assets | 68.5952% | 2,592 |
| Net loans and leases to deposits | 80.0930% | 2,875 |
| Net loans and leases to core deposits | 85.0676% | 2,946 |
| Total domestic deposits to total assets | 85.6444% | 2,718 |
| Equity capital to assets | 12.2386% | 1,918 |
| Core capital (leverage) ratio | 11.5228% | 2,018 |
| Tier 1 risk-based capital ratio | 12.4106% | 4,819 |
| Total risk-based capital ratio | 13.4098% | 4,891 |
| Memoranda: | ||
| Average total assets | $1,137,642,250 | 625 |
| Average earning assets | $1,073,747,250 | 601 |
| Average equity | $135,363,000 | 557 |
| Average total loans | $763,191,500 | 610 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,972 |
| Cost of funding earning assets | 0.2635% | 4,792 |
| Net interest margin | 3.5620% | 3,240 |
| Noninterest income to average assets | 1.1959% | 846 |
| Noninterest expense to average assets | 3.1473% | 2,125 |
| Loan and lease loss provision to assets | 0.0185% | 3,757 |
| Net operating income to assets | 1.3909% | 1,110 |
| Return on assets (ROA) | 1.4280% | 1,074 |
| Pretax return on assets | 1.4280% | 1,875 |
| Return on Equity (ROE) | 12.1169% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.0416% | 1,688 |
| Net charge-offs to loans | 0.0215% | 3,234 |
| Credit loss provision to net charge-offs | 129.6296% | 1,700 |
| Earnings coverage of net charge-offs (x) | 98.9630% | 605 |
| Efficiency ratio | 69.0705% | 3,479 |
| Assets per employee ($millions) | 3.6468% | 4,540 |
| Cash dividends to net income (ytd only)* | 41.8862% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,831 |
| Loan loss allowance to noncurrent loans | 138.7670% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 2,378 |
| Noncurrent loans to loans | 0.9981% | 2,646 |
| Net loans and leases to total assets | 65.4357% | 3,062 |
| Net loans and leases to deposits | 77.0843% | 3,149 |
| Net loans and leases to core deposits | 81.7230% | 3,209 |
| Total domestic deposits to total assets | 84.8885% | 3,170 |
| Equity capital to assets | 11.7694% | 2,185 |
| Core capital (leverage) ratio | 11.3148% | 2,153 |
| Tier 1 risk-based capital ratio | 12.3247% | 4,923 |
| Total risk-based capital ratio | 13.3379% | 4,982 |
| Memoranda: | ||
| Average total assets | $1,137,539,670 | 626 |
| Average earning assets | $1,073,271,000 | 604 |
| Average equity | $134,061,000 | 565 |
| Average total loans | $753,861,330 | 622 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 3,896 |
| Cost of funding earning assets | 0.2598% | 4,906 |
| Net interest margin | 3.5681% | 3,134 |
| Noninterest income to average assets | 1.1738% | 833 |
| Noninterest expense to average assets | 3.1921% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3461% | 1,146 |
| Return on assets (ROA) | 1.3461% | 1,215 |
| Pretax return on assets | 1.3461% | 2,095 |
| Return on Equity (ROE) | 11.4141% | 1,512 |
| Retained earnings to average equity (ytd only) | 10.9482% | 730 |
| Net charge-offs to loans | 0.0145% | 2,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 140.6296% | 377 |
| Efficiency ratio | 70.3383% | 3,424 |
| Assets per employee ($millions) | 3.5741% | 4,772 |
| Cash dividends to net income (ytd only)* | 4.0822% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 2,896 |
| Loan loss allowance to noncurrent loans | 118.7978% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 2,174 |
| Noncurrent loans to loans | 1.1818% | 2,407 |
| Net loans and leases to total assets | 64.9207% | 2,956 |
| Net loans and leases to deposits | 75.2057% | 3,148 |
| Net loans and leases to core deposits | 79.7859% | 3,192 |
| Total domestic deposits to total assets | 86.3241% | 2,754 |
| Equity capital to assets | 11.8359% | 2,164 |
| Core capital (leverage) ratio | 11.4714% | 2,019 |
| Tier 1 risk-based capital ratio | 12.3318% | 5,025 |
| Total risk-based capital ratio | 13.3519% | 5,080 |
| Memoranda: | ||
| Average total assets | $1,128,299,500 | 623 |
| Average earning assets | $1,063,864,500 | 602 |
| Average equity | $133,063,000 | 572 |
| Average total loans | $747,255,000 | 621 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,976 |
| Cost of funding earning assets | 0.2864% | 4,935 |
| Net interest margin | 3.6524% | 3,212 |
| Noninterest income to average assets | 1.2562% | 770 |
| Noninterest expense to average assets | 3.3912% | 1,713 |
| Loan and lease loss provision to assets | -0.0318% | 5,977 |
| Net operating income to assets | 1.3233% | 1,258 |
| Return on assets (ROA) | 1.2525% | 1,486 |
| Pretax return on assets | 1.2525% | 2,431 |
| Return on Equity (ROE) | 10.7191% | 1,810 |
| Retained earnings to average equity (ytd only) | 4.0844% | 3,301 |
| Net charge-offs to loans | 0.0206% | 4,433 |
| Credit loss provision to net charge-offs | -236.4865% | 5,664 |
| Earnings coverage of net charge-offs (x) | 96.1081% | 542 |
| Efficiency ratio | 72.4191% | 3,129 |
| Assets per employee ($millions) | 3.3930% | 5,079 |
| Cash dividends to net income (ytd only)* | 61.8965% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,803 |
| Loan loss allowance to noncurrent loans | 107.6470% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4447% | 1,905 |
| Noncurrent loans to loans | 1.3281% | 2,216 |
| Net loans and leases to total assets | 65.6699% | 2,951 |
| Net loans and leases to deposits | 76.5463% | 3,136 |
| Net loans and leases to core deposits | 81.7683% | 3,133 |
| Total domestic deposits to total assets | 85.7910% | 2,952 |
| Equity capital to assets | 11.7494% | 2,208 |
| Core capital (leverage) ratio | 12.1161% | 1,556 |
| Tier 1 risk-based capital ratio | 12.4625% | 5,053 |
| Total risk-based capital ratio | 13.4524% | 5,139 |
| Memoranda: | ||
| Average total assets | $1,101,312,600 | 612 |
| Average earning assets | $1,033,212,600 | 594 |
| Average equity | $128,686,000 | 564 |
| Average total loans | $719,415,200 | 603 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 4,020 |
| Cost of funding earning assets | 0.2928% | 4,952 |
| Net interest margin | 3.6446% | 3,244 |
| Noninterest income to average assets | 1.2405% | 790 |
| Noninterest expense to average assets | 3.4085% | 1,639 |
| Loan and lease loss provision to assets | -0.0425% | 6,161 |
| Net operating income to assets | 1.2903% | 1,395 |
| Return on assets (ROA) | 1.3040% | 1,418 |
| Pretax return on assets | 1.3040% | 2,359 |
| Return on Equity (ROE) | 11.1757% | 1,725 |
| Retained earnings to average equity (ytd only) | 7.8697% | 1,419 |
| Net charge-offs to loans | 0.0114% | 4,339 |
| Credit loss provision to net charge-offs | -573.7705% | 5,777 |
| Earnings coverage of net charge-offs (x) | 168.5272% | 369 |
| Efficiency ratio | 73.2013% | 2,954 |
| Assets per employee ($millions) | 3.3274% | 5,195 |
| Cash dividends to net income (ytd only)* | 29.5821% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,884 |
| Loan loss allowance to noncurrent loans | 127.4690% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 1,992 |
| Noncurrent loans to loans | 1.1487% | 2,760 |
| Net loans and leases to total assets | 66.3011% | 2,807 |
| Net loans and leases to deposits | 77.2152% | 3,043 |
| Net loans and leases to core deposits | 82.1862% | 3,089 |
| Total domestic deposits to total assets | 85.8654% | 2,925 |
| Equity capital to assets | 12.2058% | 1,907 |
| Core capital (leverage) ratio | 12.4414% | 1,438 |
| Tier 1 risk-based capital ratio | 12.7066% | 5,039 |
| Total risk-based capital ratio | 13.7069% | 5,128 |
| Memoranda: | ||
| Average total assets | $1,098,418,500 | 611 |
| Average earning assets | $1,029,451,500 | 595 |
| Average equity | $128,168,000 | 562 |
| Average total loans | $713,910,750 | 609 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 4,137 |
| Cost of funding earning assets | 0.3037% | 4,935 |
| Net interest margin | 3.5960% | 3,374 |
| Noninterest income to average assets | 1.2044% | 807 |
| Noninterest expense to average assets | 3.3841% | 1,715 |
| Loan and lease loss provision to assets | 0.0272% | 3,728 |
| Net operating income to assets | 1.1619% | 1,716 |
| Return on assets (ROA) | 1.1583% | 1,802 |
| Pretax return on assets | 1.1583% | 2,839 |
| Return on Equity (ROE) | 10.0792% | 2,113 |
| Retained earnings to average equity (ytd only) | 7.4095% | 1,563 |
| Net charge-offs to loans | -0.0051% | 5,182 |
| Credit loss provision to net charge-offs | -833.3333% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9979% | 2,978 |
| Assets per employee ($millions) | 3.2620% | 5,322 |
| Cash dividends to net income (ytd only)* | 26.4872% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 2,556 |
| Loan loss allowance to noncurrent loans | 116.8915% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7301% | 1,881 |
| Noncurrent loans to loans | 1.3486% | 2,553 |
| Net loans and leases to total assets | 63.2374% | 3,203 |
| Net loans and leases to deposits | 73.3510% | 3,409 |
| Net loans and leases to core deposits | 77.7394% | 3,471 |
| Total domestic deposits to total assets | 86.2121% | 2,925 |
| Equity capital to assets | 11.6289% | 2,298 |
| Core capital (leverage) ratio | 11.9742% | 1,669 |
| Tier 1 risk-based capital ratio | 12.4867% | 5,236 |
| Total risk-based capital ratio | 13.5453% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,102,975,330 | 613 |
| Average earning assets | $1,033,322,000 | 592 |
| Average equity | $126,756,670 | 565 |
| Average total loans | $708,585,330 | 611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 4,234 |
| Cost of funding earning assets | 0.2998% | 5,068 |
| Net interest margin | 3.5624% | 3,421 |
| Noninterest income to average assets | 1.1891% | 783 |
| Noninterest expense to average assets | 3.4100% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1203% | 1,733 |
| Return on assets (ROA) | 1.1130% | 1,823 |
| Pretax return on assets | 1.1130% | 2,842 |
| Return on Equity (ROE) | 9.7435% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.2493% | 1,176 |
| Net charge-offs to loans | -0.0017% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2713% | 2,913 |
| Assets per employee ($millions) | 3.2481% | 5,453 |
| Cash dividends to net income (ytd only)* | 5.0720% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 2,819 |
| Loan loss allowance to noncurrent loans | 89.2220% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.1550% | 1,548 |
| Noncurrent loans to loans | 1.7639% | 2,184 |
| Net loans and leases to total assets | 62.3176% | 3,186 |
| Net loans and leases to deposits | 72.1639% | 3,317 |
| Net loans and leases to core deposits | 76.2875% | 3,380 |
| Total domestic deposits to total assets | 86.3557% | 3,181 |
| Equity capital to assets | 11.4046% | 2,324 |
| Core capital (leverage) ratio | 12.0643% | 1,615 |
| Tier 1 risk-based capital ratio | 12.2358% | 5,482 |
| Total risk-based capital ratio | 13.2719% | 5,564 |
| Memoranda: | ||
| Average total assets | $1,098,288,500 | 619 |
| Average earning assets | $1,030,081,500 | 596 |
| Average equity | $125,458,000 | 573 |
| Average total loans | $705,534,500 | 614 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,950 |
| Cost of funding earning assets | 0.3440% | 5,202 |
| Net interest margin | 3.6968% | 3,066 |
| Noninterest income to average assets | 1.2563% | 879 |
| Noninterest expense to average assets | 3.3815% | 1,921 |
| Loan and lease loss provision to assets | 0.1455% | 2,476 |
| Net operating income to assets | 1.1842% | 1,627 |
| Return on assets (ROA) | 0.9992% | 2,392 |
| Pretax return on assets | 0.9992% | 3,347 |
| Return on Equity (ROE) | 8.7939% | 2,643 |
| Retained earnings to average equity (ytd only) | 3.7647% | 3,529 |
| Net charge-offs to loans | 0.3786% | 1,775 |
| Credit loss provision to net charge-offs | 60.5010% | 3,546 |
| Earnings coverage of net charge-offs (x) | 5.5283% | 3,279 |
| Efficiency ratio | 71.7754% | 3,515 |
| Assets per employee ($millions) | 3.2313% | 5,426 |
| Cash dividends to net income (ytd only)* | 57.1892% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 2,870 |
| Loan loss allowance to noncurrent loans | 85.1335% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.1465% | 1,662 |
| Noncurrent loans to loans | 1.8473% | 2,178 |
| Net loans and leases to total assets | 64.1667% | 3,014 |
| Net loans and leases to deposits | 74.9797% | 3,101 |
| Net loans and leases to core deposits | 79.6400% | 3,169 |
| Total domestic deposits to total assets | 85.5788% | 3,469 |
| Equity capital to assets | 11.4420% | 2,214 |
| Core capital (leverage) ratio | 11.8519% | 1,715 |
| Tier 1 risk-based capital ratio | 11.9015% | 5,673 |
| Total risk-based capital ratio | 12.9318% | 5,745 |
| Memoranda: | ||
| Average total assets | $1,078,872,200 | 610 |
| Average earning assets | $1,008,273,000 | 595 |
| Average equity | $122,584,800 | 575 |
| Average total loans | $685,473,000 | 610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 4,007 |
| Cost of funding earning assets | 0.3562% | 5,239 |
| Net interest margin | 3.6757% | 3,128 |
| Noninterest income to average assets | 1.2709% | 909 |
| Noninterest expense to average assets | 3.3625% | 1,913 |
| Loan and lease loss provision to assets | 0.1979% | 1,837 |
| Net operating income to assets | 1.1424% | 1,845 |
| Return on assets (ROA) | 1.0310% | 2,336 |
| Pretax return on assets | 1.0310% | 3,374 |
| Return on Equity (ROE) | 9.0903% | 2,593 |
| Retained earnings to average equity (ytd only) | 6.6214% | 2,073 |
| Net charge-offs to loans | 0.4319% | 1,486 |
| Credit loss provision to net charge-offs | 72.5953% | 3,012 |
| Earnings coverage of net charge-offs (x) | 4.9165% | 3,323 |
| Efficiency ratio | 71.5007% | 3,508 |
| Assets per employee ($millions) | 3.2481% | 5,391 |
| Cash dividends to net income (ytd only)* | 27.1593% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 2,799 |
| Loan loss allowance to noncurrent loans | 59.8203% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 2.7171% | 1,383 |
| Noncurrent loans to loans | 2.7573% | 1,525 |
| Net loans and leases to total assets | 63.6927% | 3,047 |
| Net loans and leases to deposits | 74.1268% | 3,216 |
| Net loans and leases to core deposits | 78.7077% | 3,271 |
| Total domestic deposits to total assets | 85.9240% | 3,304 |
| Equity capital to assets | 11.5988% | 2,223 |
| Core capital (leverage) ratio | 12.0813% | 1,623 |
| Tier 1 risk-based capital ratio | 12.0721% | 5,737 |
| Total risk-based capital ratio | 13.1446% | 5,785 |
| Memoranda: | ||
| Average total assets | $1,077,972,000 | 614 |
| Average earning assets | $1,006,482,500 | 594 |
| Average equity | $122,266,750 | 585 |
| Average total loans | $680,420,000 | 618 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,918 |
| Cost of funding earning assets | 0.3732% | 5,200 |
| Net interest margin | 3.6789% | 3,039 |
| Noninterest income to average assets | 1.2601% | 977 |
| Noninterest expense to average assets | 3.3189% | 2,021 |
| Loan and lease loss provision to assets | 0.2227% | 1,699 |
| Net operating income to assets | 1.1521% | 1,731 |
| Return on assets (ROA) | 1.0402% | 2,273 |
| Pretax return on assets | 1.0402% | 3,330 |
| Return on Equity (ROE) | 9.2409% | 2,523 |
| Retained earnings to average equity (ytd only) | 6.2046% | 2,319 |
| Net charge-offs to loans | 0.3043% | 1,970 |
| Credit loss provision to net charge-offs | 116.9591% | 1,896 |
| Earnings coverage of net charge-offs (x) | 7.2212% | 2,579 |
| Efficiency ratio | 70.7096% | 3,693 |
| Assets per employee ($millions) | 3.1950% | 5,493 |
| Cash dividends to net income (ytd only)* | 32.8577% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 2,503 |
| Loan loss allowance to noncurrent loans | 59.7203% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.9923% | 1,355 |
| Noncurrent loans to loans | 2.9788% | 1,497 |
| Net loans and leases to total assets | 63.4347% | 3,019 |
| Net loans and leases to deposits | 72.7304% | 3,351 |
| Net loans and leases to core deposits | 77.5729% | 3,348 |
| Total domestic deposits to total assets | 87.2189% | 2,700 |
| Equity capital to assets | 11.4526% | 2,338 |
| Core capital (leverage) ratio | 11.8474% | 1,701 |
| Tier 1 risk-based capital ratio | 11.8890% | 5,856 |
| Total risk-based capital ratio | 13.0370% | 5,872 |
| Memoranda: | ||
| Average total assets | $1,077,840,330 | 615 |
| Average earning assets | $1,005,952,330 | 594 |
| Average equity | $121,329,670 | 592 |
| Average total loans | $674,440,000 | 619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,958 |
| Cost of funding earning assets | 0.3938% | 5,169 |
| Net interest margin | 3.6443% | 3,091 |
| Noninterest income to average assets | 1.3251% | 877 |
| Noninterest expense to average assets | 3.2689% | 2,165 |
| Loan and lease loss provision to assets | 0.2219% | 1,667 |
| Net operating income to assets | 1.2393% | 1,415 |
| Return on assets (ROA) | 1.2393% | 1,521 |
| Pretax return on assets | 1.2393% | 2,436 |
| Return on Equity (ROE) | 11.1048% | 1,678 |
| Retained earnings to average equity (ytd only) | 10.5712% | 971 |
| Net charge-offs to loans | 0.2883% | 1,812 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 8.2313% | 1,964 |
| Efficiency ratio | 69.1087% | 4,130 |
| Assets per employee ($millions) | 3.0988% | 5,829 |
| Cash dividends to net income (ytd only)* | 4.8045% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 2,484 |
| Loan loss allowance to noncurrent loans | 70.6259% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.8021% | 1,618 |
| Noncurrent loans to loans | 2.6037% | 1,980 |
| Net loans and leases to total assets | 60.6036% | 3,325 |
| Net loans and leases to deposits | 69.7554% | 3,524 |
| Net loans and leases to core deposits | 74.4892% | 3,520 |
| Total domestic deposits to total assets | 86.8802% | 3,033 |
| Equity capital to assets | 11.3450% | 2,587 |
| Core capital (leverage) ratio | 11.7876% | 1,685 |
| Tier 1 risk-based capital ratio | 11.9825% | 5,926 |
| Total risk-based capital ratio | 13.1397% | 5,946 |
| Memoranda: | ||
| Average total assets | $1,081,603,500 | 618 |
| Average earning assets | $1,010,563,000 | 599 |
| Average equity | $120,705,000 | 607 |
| Average total loans | $666,036,500 | 631 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 4,584 |
| Cost of funding earning assets | 0.5664% | 4,678 |
| Net interest margin | 3.6375% | 3,928 |
| Noninterest income to average assets | 1.0080% | 1,512 |
| Noninterest expense to average assets | 3.0741% | 3,001 |
| Loan and lease loss provision to assets | 0.4383% | 1,451 |
| Net operating income to assets | 0.8822% | 2,903 |
| Return on assets (ROA) | 0.7482% | 3,761 |
| Pretax return on assets | 0.7482% | 4,481 |
| Return on Equity (ROE) | 7.0354% | 3,625 |
| Retained earnings to average equity (ytd only) | 2.1630% | 4,710 |
| Net charge-offs to loans | 0.7691% | 1,521 |
| Credit loss provision to net charge-offs | 92.8077% | 3,354 |
| Earnings coverage of net charge-offs (x) | 2.7962% | 4,032 |
| Efficiency ratio | 69.9518% | 3,830 |
| Assets per employee ($millions) | 3.2383% | 5,541 |
| Cash dividends to net income (ytd only)* | 69.2560% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 2,528 |
| Loan loss allowance to noncurrent loans | 62.5348% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.8255% | 1,696 |
| Noncurrent loans to loans | 2.9095% | 1,800 |
| Net loans and leases to total assets | 60.3017% | 3,552 |
| Net loans and leases to deposits | 69.5733% | 3,763 |
| Net loans and leases to core deposits | 73.8813% | 3,795 |
| Total domestic deposits to total assets | 86.6737% | 3,008 |
| Equity capital to assets | 10.9757% | 2,980 |
| Core capital (leverage) ratio | 11.3532% | 1,975 |
| Tier 1 risk-based capital ratio | 11.6880% | 5,961 |
| Total risk-based capital ratio | 12.8345% | 6,005 |
| Memoranda: | ||
| Average total assets | $1,101,119,200 | 598 |
| Average earning assets | $1,025,155,400 | 573 |
| Average equity | $117,107,800 | 612 |
| Average total loans | $676,096,800 | 614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 4,680 |
| Cost of funding earning assets | 0.6056% | 4,588 |
| Net interest margin | 3.6326% | 4,086 |
| Noninterest income to average assets | 0.9561% | 1,654 |
| Noninterest expense to average assets | 3.0829% | 2,935 |
| Loan and lease loss provision to assets | 0.4877% | 1,265 |
| Net operating income to assets | 0.7659% | 3,623 |
| Return on assets (ROA) | 0.6153% | 4,580 |
| Pretax return on assets | 0.6153% | 5,122 |
| Return on Equity (ROE) | 5.8309% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.0240% | 4,737 |
| Net charge-offs to loans | 0.8679% | 1,265 |
| Credit loss provision to net charge-offs | 91.5327% | 3,251 |
| Earnings coverage of net charge-offs (x) | 2.3527% | 4,101 |
| Efficiency ratio | 71.0908% | 3,489 |
| Assets per employee ($millions) | 3.2222% | 5,590 |
| Cash dividends to net income (ytd only)* | 48.1372% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 2,804 |
| Loan loss allowance to noncurrent loans | 85.3132% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 2.4105% | 2,202 |
| Noncurrent loans to loans | 2.1077% | 2,719 |
| Net loans and leases to total assets | 61.1544% | 3,543 |
| Net loans and leases to deposits | 70.4028% | 3,842 |
| Net loans and leases to core deposits | 74.8569% | 3,874 |
| Total domestic deposits to total assets | 86.8636% | 2,761 |
| Equity capital to assets | 11.0112% | 3,263 |
| Core capital (leverage) ratio | 11.3991% | 2,056 |
| Tier 1 risk-based capital ratio | 11.8877% | 6,001 |
| Total risk-based capital ratio | 13.0527% | 6,035 |
| Memoranda: | ||
| Average total assets | $1,105,193,750 | 600 |
| Average earning assets | $1,028,520,250 | 579 |
| Average equity | $116,618,000 | 615 |
| Average total loans | $678,548,750 | 607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 4,782 |
| Cost of funding earning assets | 0.6555% | 4,395 |
| Net interest margin | 3.5889% | 4,307 |
| Noninterest income to average assets | 1.0565% | 1,296 |
| Noninterest expense to average assets | 3.0588% | 3,053 |
| Loan and lease loss provision to assets | 0.5707% | 1,065 |
| Net operating income to assets | 0.7648% | 3,538 |
| Return on assets (ROA) | 0.5570% | 4,833 |
| Pretax return on assets | 0.5570% | 5,288 |
| Return on Equity (ROE) | 5.3545% | 4,647 |
| Retained earnings to average equity (ytd only) | 1.4047% | 5,493 |
| Net charge-offs to loans | 1.0856% | 1,006 |
| Credit loss provision to net charge-offs | 86.0200% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.0130% | 3,982 |
| Efficiency ratio | 69.6090% | 3,831 |
| Assets per employee ($millions) | 3.5361% | 4,899 |
| Cash dividends to net income (ytd only)* | 73.7657% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 2,924 |
| Loan loss allowance to noncurrent loans | 100.6130% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 2.3844% | 2,341 |
| Noncurrent loans to loans | 1.7691% | 3,255 |
| Net loans and leases to total assets | 60.3103% | 3,766 |
| Net loans and leases to deposits | 69.1500% | 4,021 |
| Net loans and leases to core deposits | 73.4352% | 4,106 |
| Total domestic deposits to total assets | 87.2166% | 2,642 |
| Equity capital to assets | 10.6138% | 3,554 |
| Core capital (leverage) ratio | 11.0258% | 2,269 |
| Tier 1 risk-based capital ratio | 11.6678% | 6,127 |
| Total risk-based capital ratio | 12.8149% | 6,164 |
| Memoranda: | ||
| Average total assets | $1,112,709,000 | 593 |
| Average earning assets | $1,034,859,330 | 571 |
| Average equity | $115,753,330 | 613 |
| Average total loans | $679,995,000 | 610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 4,919 |
| Cost of funding earning assets | 0.7040% | 4,245 |
| Net interest margin | 3.5475% | 4,496 |
| Noninterest income to average assets | 1.0238% | 1,363 |
| Noninterest expense to average assets | 3.0028% | 3,235 |
| Loan and lease loss provision to assets | 0.4882% | 1,245 |
| Net operating income to assets | 0.8343% | 3,221 |
| Return on assets (ROA) | 0.4653% | 5,172 |
| Pretax return on assets | 0.4653% | 5,534 |
| Return on Equity (ROE) | 4.5178% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.9219% | 4,237 |
| Net charge-offs to loans | 1.1009% | 935 |
| Credit loss provision to net charge-offs | 72.7273% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.9702% | 3,353 |
| Efficiency ratio | 69.4250% | 3,912 |
| Assets per employee ($millions) | 3.6566% | 4,747 |
| Cash dividends to net income (ytd only)* | 13.1902% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 3,063 |
| Loan loss allowance to noncurrent loans | 81.9139% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 2.4098% | 2,454 |
| Noncurrent loans to loans | 2.1704% | 2,947 |
| Net loans and leases to total assets | 58.7867% | 3,906 |
| Net loans and leases to deposits | 68.9425% | 3,887 |
| Net loans and leases to core deposits | 73.0099% | 4,023 |
| Total domestic deposits to total assets | 85.2692% | 3,894 |
| Equity capital to assets | 10.3323% | 3,695 |
| Core capital (leverage) ratio | 10.9792% | 2,273 |
| Tier 1 risk-based capital ratio | 11.6209% | 6,209 |
| Total risk-based capital ratio | 12.7607% | 6,256 |
| Memoranda: | ||
| Average total assets | $1,120,963,000 | 587 |
| Average earning assets | $1,043,202,000 | 565 |
| Average equity | $115,455,500 | 617 |
| Average total loans | $683,441,000 | 607 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 5,173 |
| Cost of funding earning assets | 0.9412% | 3,779 |
| Net interest margin | 3.5314% | 5,017 |
| Noninterest income to average assets | 1.0518% | 1,213 |
| Noninterest expense to average assets | 2.8763% | 4,056 |
| Loan and lease loss provision to assets | 0.7829% | 1,270 |
| Net operating income to assets | 0.6724% | 3,618 |
| Return on assets (ROA) | 0.5278% | 4,515 |
| Pretax return on assets | 0.5278% | 4,907 |
| Return on Equity (ROE) | 5.3253% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.2296% | 3,920 |
| Net charge-offs to loans | 1.1315% | 1,509 |
| Credit loss provision to net charge-offs | 112.8166% | 2,926 |
| Earnings coverage of net charge-offs (x) | 2.0972% | 4,204 |
| Efficiency ratio | 66.4035% | 4,682 |
| Assets per employee ($millions) | 3.5532% | 4,882 |
| Cash dividends to net income (ytd only)* | 39.3538% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,857 |
| Loan loss allowance to noncurrent loans | 72.9794% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.6840% | 2,268 |
| Noncurrent loans to loans | 2.4716% | 2,663 |
| Net loans and leases to total assets | 60.9779% | 3,791 |
| Net loans and leases to deposits | 72.9736% | 3,674 |
| Net loans and leases to core deposits | 76.4125% | 3,922 |
| Total domestic deposits to total assets | 83.5616% | 4,513 |
| Equity capital to assets | 10.2667% | 3,825 |
| Core capital (leverage) ratio | 10.7782% | 2,449 |
| Tier 1 risk-based capital ratio | 11.2091% | 6,345 |
| Total risk-based capital ratio | 12.3662% | 6,375 |
| Memoranda: | ||
| Average total assets | $1,143,499,600 | 567 |
| Average earning assets | $1,062,037,000 | 550 |
| Average equity | $113,327,400 | 611 |
| Average total loans | $701,281,600 | 586 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 5,255 |
| Cost of funding earning assets | 0.9950% | 3,714 |
| Net interest margin | 3.5034% | 5,175 |
| Noninterest income to average assets | 1.1410% | 1,014 |
| Noninterest expense to average assets | 2.8897% | 3,978 |
| Loan and lease loss provision to assets | 0.7992% | 1,167 |
| Net operating income to assets | 0.7051% | 3,593 |
| Return on assets (ROA) | 0.5508% | 4,498 |
| Pretax return on assets | 0.5508% | 4,970 |
| Return on Equity (ROE) | 5.6070% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.8764% | 3,965 |
| Net charge-offs to loans | 1.2412% | 1,250 |
| Credit loss provision to net charge-offs | 105.3146% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.9823% | 4,164 |
| Efficiency ratio | 65.7646% | 4,757 |
| Assets per employee ($millions) | 3.5647% | 4,836 |
| Cash dividends to net income (ytd only)* | 30.8647% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 3,260 |
| Loan loss allowance to noncurrent loans | 55.1216% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.3698% | 1,882 |
| Noncurrent loans to loans | 3.0877% | 2,246 |
| Net loans and leases to total assets | 60.6433% | 4,019 |
| Net loans and leases to deposits | 72.2675% | 3,946 |
| Net loans and leases to core deposits | 75.6118% | 4,242 |
| Total domestic deposits to total assets | 83.9151% | 4,272 |
| Equity capital to assets | 10.1783% | 4,119 |
| Core capital (leverage) ratio | 10.6893% | 2,677 |
| Tier 1 risk-based capital ratio | 11.0262% | 6,527 |
| Total risk-based capital ratio | 12.1069% | 6,607 |
| Memoranda: | ||
| Average total assets | $1,150,450,500 | 572 |
| Average earning assets | $1,068,243,750 | 557 |
| Average equity | $113,023,000 | 616 |
| Average total loans | $703,395,750 | 594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 5,374 |
| Cost of funding earning assets | 1.0522% | 3,586 |
| Net interest margin | 3.4430% | 5,393 |
| Noninterest income to average assets | 1.1857% | 914 |
| Noninterest expense to average assets | 2.8882% | 4,070 |
| Loan and lease loss provision to assets | 0.7976% | 1,156 |
| Net operating income to assets | 0.6973% | 3,557 |
| Return on assets (ROA) | 0.5927% | 4,231 |
| Pretax return on assets | 0.5927% | 4,760 |
| Return on Equity (ROE) | 6.1043% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.7838% | 3,809 |
| Net charge-offs to loans | 1.0515% | 1,495 |
| Credit loss provision to net charge-offs | 124.4277% | 2,451 |
| Earnings coverage of net charge-offs (x) | 2.3321% | 3,661 |
| Efficiency ratio | 65.8933% | 4,891 |
| Assets per employee ($millions) | 3.5133% | 4,910 |
| Cash dividends to net income (ytd only)* | 38.0134% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 3,099 |
| Loan loss allowance to noncurrent loans | 90.5284% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 2.6439% | 2,523 |
| Noncurrent loans to loans | 1.9518% | 3,542 |
| Net loans and leases to total assets | 60.6856% | 4,151 |
| Net loans and leases to deposits | 72.0431% | 4,107 |
| Net loans and leases to core deposits | 75.3984% | 4,389 |
| Total domestic deposits to total assets | 84.2350% | 4,241 |
| Equity capital to assets | 10.0288% | 4,109 |
| Core capital (leverage) ratio | 10.4467% | 2,767 |
| Tier 1 risk-based capital ratio | 11.0537% | 6,481 |
| Total risk-based capital ratio | 12.1993% | 6,542 |
| Memoranda: | ||
| Average total assets | $1,158,447,330 | 574 |
| Average earning assets | $1,075,792,000 | 557 |
| Average equity | $112,479,000 | 620 |
| Average total loans | $706,210,670 | 599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 5,568 |
| Cost of funding earning assets | 1.1046% | 3,487 |
| Net interest margin | 3.3314% | 5,670 |
| Noninterest income to average assets | 1.1857% | 915 |
| Noninterest expense to average assets | 2.8540% | 4,250 |
| Loan and lease loss provision to assets | 0.8442% | 979 |
| Net operating income to assets | 0.5882% | 4,096 |
| Return on assets (ROA) | 0.3989% | 5,043 |
| Pretax return on assets | 0.3989% | 5,347 |
| Return on Equity (ROE) | 4.1747% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.6095% | 4,017 |
| Net charge-offs to loans | 0.0711% | 4,220 |
| Credit loss provision to net charge-offs | 1,960.3175% | 205 |
| Earnings coverage of net charge-offs (x) | 33.2619% | 777 |
| Efficiency ratio | 66.5816% | 4,933 |
| Assets per employee ($millions) | 3.5819% | 4,796 |
| Cash dividends to net income (ytd only)* | 13.5390% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 2,483 |
| Loan loss allowance to noncurrent loans | 89.1353% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 2.7084% | 2,546 |
| Noncurrent loans to loans | 2.2139% | 3,302 |
| Net loans and leases to total assets | 58.9888% | 4,466 |
| Net loans and leases to deposits | 71.3274% | 4,158 |
| Net loans and leases to core deposits | 74.7360% | 4,457 |
| Total domestic deposits to total assets | 82.7014% | 5,026 |
| Equity capital to assets | 9.6246% | 4,286 |
| Core capital (leverage) ratio | 10.0684% | 3,072 |
| Tier 1 risk-based capital ratio | 10.9224% | 6,556 |
| Total risk-based capital ratio | 12.1727% | 6,537 |
| Memoranda: | ||
| Average total assets | $1,170,276,500 | 574 |
| Average earning assets | $1,089,281,500 | 551 |
| Average equity | $111,815,500 | 618 |
| Average total loans | $708,796,000 | 603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 5,513 |
| Cost of funding earning assets | 1.3490% | 3,584 |
| Net interest margin | 3.4246% | 5,530 |
| Noninterest income to average assets | 1.1462% | 1,127 |
| Noninterest expense to average assets | 2.8363% | 4,450 |
| Loan and lease loss provision to assets | 0.2726% | 4,623 |
| Net operating income to assets | 1.2313% | 1,340 |
| Return on assets (ROA) | 0.8384% | 2,778 |
| Pretax return on assets | 0.8384% | 3,506 |
| Return on Equity (ROE) | 9.1841% | 2,225 |
| Retained earnings to average equity (ytd only) | 4.9600% | 2,434 |
| Net charge-offs to loans | 0.2606% | 4,733 |
| Credit loss provision to net charge-offs | 166.5455% | 2,053 |
| Earnings coverage of net charge-offs (x) | 9.1881% | 1,858 |
| Efficiency ratio | 65.3502% | 5,097 |
| Assets per employee ($millions) | 3.5867% | 4,737 |
| Cash dividends to net income (ytd only)* | 45.9939% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,564 |
| Loan loss allowance to noncurrent loans | 68.9117% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.4465% | 2,830 |
| Noncurrent loans to loans | 2.3232% | 3,197 |
| Net loans and leases to total assets | 59.9769% | 4,688 |
| Net loans and leases to deposits | 73.7751% | 4,233 |
| Net loans and leases to core deposits | 77.2116% | 4,563 |
| Total domestic deposits to total assets | 81.2969% | 5,419 |
| Equity capital to assets | 9.4854% | 4,425 |
| Core capital (leverage) ratio | 9.7954% | 3,322 |
| Tier 1 risk-based capital ratio | 10.6402% | 6,609 |
| Total risk-based capital ratio | 11.6807% | 6,721 |
| Memoranda: | ||
| Average total assets | $1,176,108,400 | 569 |
| Average earning assets | $1,096,884,800 | 550 |
| Average equity | $107,359,400 | 628 |
| Average total loans | $738,732,800 | 593 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 5,621 |
| Cost of funding earning assets | 1.3851% | 3,667 |
| Net interest margin | 3.4236% | 5,592 |
| Noninterest income to average assets | 1.1363% | 1,083 |
| Noninterest expense to average assets | 2.8664% | 4,218 |
| Loan and lease loss provision to assets | 0.2010% | 5,042 |
| Net operating income to assets | 1.2594% | 1,445 |
| Return on assets (ROA) | 0.7559% | 3,347 |
| Pretax return on assets | 0.7559% | 4,062 |
| Return on Equity (ROE) | 8.3621% | 2,765 |
| Retained earnings to average equity (ytd only) | 4.8665% | 3,072 |
| Net charge-offs to loans | 0.1143% | 5,394 |
| Credit loss provision to net charge-offs | 277.8997% | 1,170 |
| Earnings coverage of net charge-offs (x) | 20.1895% | 1,181 |
| Efficiency ratio | 66.2483% | 4,811 |
| Assets per employee ($millions) | 3.7423% | 4,408 |
| Cash dividends to net income (ytd only)* | 41.8029% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,797 |
| Loan loss allowance to noncurrent loans | 58.2096% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 2,707 |
| Noncurrent loans to loans | 2.6389% | 2,986 |
| Net loans and leases to total assets | 60.8579% | 4,746 |
| Net loans and leases to deposits | 74.3345% | 4,448 |
| Net loans and leases to core deposits | 77.6547% | 4,842 |
| Total domestic deposits to total assets | 81.8703% | 5,048 |
| Equity capital to assets | 9.2041% | 5,303 |
| Core capital (leverage) ratio | 9.7462% | 3,560 |
| Tier 1 risk-based capital ratio | 10.2864% | 6,903 |
| Total risk-based capital ratio | 11.2919% | 7,032 |
| Memoranda: | ||
| Average total assets | $1,176,025,000 | 568 |
| Average earning assets | $1,095,924,250 | 548 |
| Average equity | $106,301,750 | 625 |
| Average total loans | $744,147,750 | 586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8578% | 5,578 |
| Cost of funding earning assets | 1.4171% | 3,766 |
| Net interest margin | 3.4408% | 5,479 |
| Noninterest income to average assets | 1.1223% | 1,038 |
| Noninterest expense to average assets | 2.8756% | 4,160 |
| Loan and lease loss provision to assets | 0.2277% | 4,629 |
| Net operating income to assets | 1.2242% | 1,498 |
| Return on assets (ROA) | 0.4651% | 4,644 |
| Pretax return on assets | 0.4651% | 5,017 |
| Return on Equity (ROE) | 5.1774% | 4,203 |
| Retained earnings to average equity (ytd only) | 0.2055% | 5,667 |
| Net charge-offs to loans | 0.0488% | 5,701 |
| Credit loss provision to net charge-offs | 731.8681% | 515 |
| Earnings coverage of net charge-offs (x) | 46.6703% | 635 |
| Efficiency ratio | 66.4507% | 4,894 |
| Assets per employee ($millions) | 3.6868% | 4,509 |
| Cash dividends to net income (ytd only)* | 96.0309% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 3,738 |
| Loan loss allowance to noncurrent loans | 89.5173% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 3,716 |
| Noncurrent loans to loans | 1.7154% | 4,115 |
| Net loans and leases to total assets | 61.4911% | 4,782 |
| Net loans and leases to deposits | 74.9568% | 4,518 |
| Net loans and leases to core deposits | 79.3051% | 4,771 |
| Total domestic deposits to total assets | 82.0355% | 4,968 |
| Equity capital to assets | 8.9882% | 5,466 |
| Core capital (leverage) ratio | 9.3993% | 3,966 |
| Tier 1 risk-based capital ratio | 10.1128% | 6,963 |
| Total risk-based capital ratio | 11.1360% | 7,066 |
| Memoranda: | ||
| Average total assets | $1,170,103,330 | 570 |
| Average earning assets | $1,089,990,670 | 549 |
| Average equity | $105,109,670 | 626 |
| Average total loans | $746,247,330 | 585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 5,469 |
| Cost of funding earning assets | 1.4256% | 4,016 |
| Net interest margin | 3.4723% | 5,277 |
| Noninterest income to average assets | 1.0758% | 1,095 |
| Noninterest expense to average assets | 2.8784% | 4,141 |
| Loan and lease loss provision to assets | 0.1516% | 5,025 |
| Net operating income to assets | 1.2766% | 1,346 |
| Return on assets (ROA) | 0.2974% | 5,442 |
| Pretax return on assets | 0.2974% | 5,611 |
| Return on Equity (ROE) | 3.3117% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.7183% | 4,506 |
| Net charge-offs to loans | 0.0736% | 4,678 |
| Credit loss provision to net charge-offs | 319.5652% | 1,246 |
| Earnings coverage of net charge-offs (x) | 30.1014% | 868 |
| Efficiency ratio | 66.8370% | 4,949 |
| Assets per employee ($millions) | 3.6836% | 4,613 |
| Cash dividends to net income (ytd only)* | 17.9191% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,417 |
| Loan loss allowance to noncurrent loans | 81.8423% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.9239% | 3,598 |
| Noncurrent loans to loans | 1.7104% | 4,177 |
| Net loans and leases to total assets | 61.7894% | 4,804 |
| Net loans and leases to deposits | 75.2710% | 4,533 |
| Net loans and leases to core deposits | 79.6517% | 4,805 |
| Total domestic deposits to total assets | 82.0893% | 5,041 |
| Equity capital to assets | 8.8287% | 5,493 |
| Core capital (leverage) ratio | 9.7184% | 3,489 |
| Tier 1 risk-based capital ratio | 10.0155% | 7,026 |
| Total risk-based capital ratio | 10.9482% | 7,202 |
| Memoranda: | ||
| Average total assets | $1,163,420,000 | 586 |
| Average earning assets | $1,082,499,000 | 573 |
| Average equity | $104,478,000 | 634 |
| Average total loans | $749,832,000 | 601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 6,119 |
| Cost of funding earning assets | 1.7387% | 4,316 |
| Net interest margin | 3.3536% | 5,549 |
| Noninterest income to average assets | 1.0737% | 1,335 |
| Noninterest expense to average assets | 2.7785% | 5,057 |
| Loan and lease loss provision to assets | 0.3691% | 4,572 |
| Net operating income to assets | 1.0618% | 1,620 |
| Return on assets (ROA) | 0.8195% | 2,543 |
| Pretax return on assets | 0.8195% | 3,186 |
| Return on Equity (ROE) | 9.4120% | 1,886 |
| Retained earnings to average equity (ytd only) | 5.0097% | 1,812 |
| Net charge-offs to loans | 0.3521% | 4,471 |
| Credit loss provision to net charge-offs | 161.7558% | 2,735 |
| Earnings coverage of net charge-offs (x) | 6.2709% | 2,402 |
| Efficiency ratio | 66.0063% | 5,391 |
| Assets per employee ($millions) | 3.4652% | 5,090 |
| Cash dividends to net income (ytd only)* | 46.7737% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,428 |
| Loan loss allowance to noncurrent loans | 73.4957% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.9192% | 3,504 |
| Noncurrent loans to loans | 1.8517% | 3,860 |
| Net loans and leases to total assets | 65.4385% | 4,292 |
| Net loans and leases to deposits | 80.8559% | 3,830 |
| Net loans and leases to core deposits | 101.3304% | 3,869 |
| Total domestic deposits to total assets | 80.9322% | 5,364 |
| Equity capital to assets | 9.1409% | 4,927 |
| Core capital (leverage) ratio | 9.7470% | 3,390 |
| Tier 1 risk-based capital ratio | 9.9096% | 6,946 |
| Total risk-based capital ratio | 10.8115% | 7,170 |
| Memoranda: | ||
| Average total assets | $1,163,092,200 | 575 |
| Average earning assets | $1,087,503,000 | 558 |
| Average equity | $101,264,200 | 647 |
| Average total loans | $753,769,400 | 608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 6,318 |
| Cost of funding earning assets | 1.7976% | 4,394 |
| Net interest margin | 3.2877% | 5,695 |
| Noninterest income to average assets | 1.0559% | 1,428 |
| Noninterest expense to average assets | 2.7680% | 5,024 |
| Loan and lease loss provision to assets | 0.2548% | 4,913 |
| Net operating income to assets | 1.1118% | 1,703 |
| Return on assets (ROA) | 0.9447% | 2,315 |
| Pretax return on assets | 0.9447% | 3,078 |
| Return on Equity (ROE) | 10.9824% | 1,625 |
| Retained earnings to average equity (ytd only) | 5.7968% | 2,046 |
| Net charge-offs to loans | 0.0618% | 6,085 |
| Credit loss provision to net charge-offs | 639.7143% | 588 |
| Earnings coverage of net charge-offs (x) | 34.3053% | 841 |
| Efficiency ratio | 66.9474% | 5,199 |
| Assets per employee ($millions) | 3.4103% | 5,145 |
| Cash dividends to net income (ytd only)* | 47.2168% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,069 |
| Loan loss allowance to noncurrent loans | 62.5651% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.0336% | 3,303 |
| Noncurrent loans to loans | 2.2044% | 3,373 |
| Net loans and leases to total assets | 64.0638% | 4,858 |
| Net loans and leases to deposits | 78.8253% | 4,593 |
| Net loans and leases to core deposits | 98.0582% | 4,590 |
| Total domestic deposits to total assets | 81.2732% | 4,968 |
| Equity capital to assets | 8.8405% | 5,726 |
| Core capital (leverage) ratio | 9.5843% | 3,805 |
| Tier 1 risk-based capital ratio | 9.7233% | 7,218 |
| Total risk-based capital ratio | 10.6355% | 7,417 |
| Memoranda: | ||
| Average total assets | $1,171,449,000 | 579 |
| Average earning assets | $1,096,993,000 | 564 |
| Average equity | $100,765,000 | 658 |
| Average total loans | $754,853,000 | 623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 6,473 |
| Cost of funding earning assets | 1.8751% | 4,394 |
| Net interest margin | 3.2159% | 5,855 |
| Noninterest income to average assets | 1.0334% | 1,488 |
| Noninterest expense to average assets | 2.7272% | 5,268 |
| Loan and lease loss provision to assets | 0.1408% | 5,668 |
| Net operating income to assets | 1.1785% | 1,540 |
| Return on assets (ROA) | 1.2157% | 1,516 |
| Pretax return on assets | 1.2157% | 2,255 |
| Return on Equity (ROE) | 14.2643% | 951 |
| Retained earnings to average equity (ytd only) | 8.9894% | 946 |
| Net charge-offs to loans | 0.0340% | 5,986 |
| Credit loss provision to net charge-offs | 645.3125% | 720 |
| Earnings coverage of net charge-offs (x) | 60.4609% | 590 |
| Efficiency ratio | 67.3955% | 5,273 |
| Assets per employee ($millions) | 3.5306% | 4,735 |
| Cash dividends to net income (ytd only)* | 36.9794% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 4,797 |
| Loan loss allowance to noncurrent loans | 58.5690% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 3,390 |
| Noncurrent loans to loans | 2.0885% | 3,402 |
| Net loans and leases to total assets | 64.3613% | 4,907 |
| Net loans and leases to deposits | 79.2296% | 4,669 |
| Net loans and leases to core deposits | 98.9944% | 4,600 |
| Total domestic deposits to total assets | 81.2340% | 4,982 |
| Equity capital to assets | 8.7556% | 5,674 |
| Core capital (leverage) ratio | 9.3688% | 4,073 |
| Tier 1 risk-based capital ratio | 9.8068% | 7,128 |
| Total risk-based capital ratio | 10.6212% | 7,471 |
| Memoranda: | ||
| Average total assets | $1,173,161,000 | 590 |
| Average earning assets | $1,099,146,670 | 577 |
| Average equity | $99,984,000 | 673 |
| Average total loans | $753,926,000 | 641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 6,682 |
| Cost of funding earning assets | 1.8898% | 4,685 |
| Net interest margin | 3.1990% | 5,862 |
| Noninterest income to average assets | 0.9605% | 1,603 |
| Noninterest expense to average assets | 2.5935% | 5,479 |
| Loan and lease loss provision to assets | 0.1401% | 5,157 |
| Net operating income to assets | 1.2296% | 1,570 |
| Return on assets (ROA) | 1.3564% | 1,332 |
| Pretax return on assets | 1.3564% | 2,099 |
| Return on Equity (ROE) | 16.1331% | 799 |
| Retained earnings to average equity (ytd only) | 15.1767% | 395 |
| Net charge-offs to loans | 0.0197% | 5,291 |
| Credit loss provision to net charge-offs | 1,116.2162% | 568 |
| Earnings coverage of net charge-offs (x) | 109.1081% | 401 |
| Efficiency ratio | 65.4396% | 5,429 |
| Assets per employee ($millions) | 3.6141% | 4,537 |
| Cash dividends to net income (ytd only)* | 5.9280% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 4,912 |
| Loan loss allowance to noncurrent loans | 102.7954% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 5,077 |
| Noncurrent loans to loans | 1.1511% | 4,691 |
| Net loans and leases to total assets | 62.1918% | 5,286 |
| Net loans and leases to deposits | 76.4204% | 5,162 |
| Net loans and leases to core deposits | 94.9370% | 5,066 |
| Total domestic deposits to total assets | 81.3812% | 4,798 |
| Equity capital to assets | 8.4616% | 6,135 |
| Core capital (leverage) ratio | 9.4198% | 4,081 |
| Tier 1 risk-based capital ratio | 13.3378% | 3,974 |
| Total risk-based capital ratio | 14.4139% | 3,994 |
| Memoranda: | ||
| Average total assets | $1,178,962,000 | 593 |
| Average earning assets | $1,106,591,500 | 577 |
| Average equity | $99,125,500 | 678 |
| Average total loans | $752,462,500 | 653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9088% | 5,997 |
| Cost of funding earning assets | 2.4154% | 4,653 |
| Net interest margin | 3.4933% | 5,318 |
| Noninterest income to average assets | 1.1136% | 1,259 |
| Noninterest expense to average assets | 2.7480% | 5,056 |
| Loan and lease loss provision to assets | 0.1412% | 5,546 |
| Net operating income to assets | 1.4885% | 1,052 |
| Return on assets (ROA) | 1.4829% | 1,017 |
| Pretax return on assets | 1.4829% | 1,730 |
| Return on Equity (ROE) | 17.7996% | 546 |
| Retained earnings to average equity (ytd only) | 9.2886% | 558 |
| Net charge-offs to loans | 0.0659% | 5,831 |
| Credit loss provision to net charge-offs | 348.2609% | 1,295 |
| Earnings coverage of net charge-offs (x) | 40.2022% | 928 |
| Efficiency ratio | 62.7728% | 5,821 |
| Assets per employee ($millions) | 3.4880% | 4,704 |
| Cash dividends to net income (ytd only)* | 47.8160% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 4,982 |
| Loan loss allowance to noncurrent loans | 193.0537% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 5,587 |
| Noncurrent loans to loans | 0.5914% | 5,605 |
| Net loans and leases to total assets | 64.0046% | 5,275 |
| Net loans and leases to deposits | 81.1364% | 4,850 |
| Net loans and leases to core deposits | 103.1785% | 4,484 |
| Total domestic deposits to total assets | 78.8852% | 5,413 |
| Equity capital to assets | 8.3522% | 6,338 |
| Core capital (leverage) ratio | 9.3268% | 4,262 |
| Tier 1 risk-based capital ratio | 13.1969% | 3,992 |
| Total risk-based capital ratio | 14.2527% | 4,024 |
| Memoranda: | ||
| Average total assets | $1,134,741,800 | 587 |
| Average earning assets | $1,060,305,200 | 573 |
| Average equity | $94,535,600 | 709 |
| Average total loans | $697,918,800 | 681 |