Home > The Conway National Bank > Performance and Condition Ratios
The Conway National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0484% | 4,513 |
| Cost of funding earning assets | 0.6546% | 3,990 |
| Net interest margin | 2.3937% | 4,194 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 1.6868% | 4,149 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9654% | 2,320 |
| Return on assets (ROA) | 0.9654% | 2,307 |
| Pretax return on assets | 1.2355% | 2,046 |
| Return on Equity (ROE) | 13.0000% | 1,728 |
| Retained earnings to average equity (ytd only) | 6.5689% | 2,033 |
| Net charge-offs to loans | 0.0344% | 1,616 |
| Credit loss provision to net charge-offs | 624.8945% | 575 |
| Earnings coverage of net charge-offs (x) | 100.5105% | 901 |
| Efficiency ratio | 56.1905% | 3,480 |
| Assets per employee ($millions) | 7.3463% | 1,847 |
| Cash dividends to net income (ytd only)* | 49.4767% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 2,653 |
| Loan loss allowance to noncurrent loans | 1,622.9412% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,485 |
| Noncurrent loans to loans | 0.0697% | 3,213 |
| Net loans and leases to total assets | 40.0400% | 4,038 |
| Net loans and leases to deposits | 47.4110% | 4,010 |
| Net loans and leases to core deposits | 52.9213% | 4,004 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 8.0055% | 3,412 |
| Core capital (leverage) ratio | 9.0989% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4206% | 844 |
| Memoranda: | ||
| Average total assets | $1,811,248,600 | 622 |
| Average earning assets | $1,729,982,000 | 597 |
| Average equity | $134,482,000 | 737 |
| Average total loans | $688,149,600 | 977 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9368% | 4,540 |
| Cost of funding earning assets | 0.5712% | 4,024 |
| Net interest margin | 2.3656% | 4,268 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 1.6708% | 4,161 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0229% | 2,292 |
| Return on assets (ROA) | 1.0229% | 2,280 |
| Pretax return on assets | 1.3244% | 1,960 |
| Return on Equity (ROE) | 14.0500% | 1,642 |
| Retained earnings to average equity (ytd only) | 14.0512% | 666 |
| Net charge-offs to loans | 0.0079% | 2,121 |
| Credit loss provision to net charge-offs | 1,887.5000% | 250 |
| Earnings coverage of net charge-offs (x) | 467.9750% | 324 |
| Efficiency ratio | 54.8167% | 3,514 |
| Assets per employee ($millions) | 7.5068% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 2,900 |
| Loan loss allowance to noncurrent loans | 1,310.9983% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,476 |
| Noncurrent loans to loans | 0.0833% | 3,165 |
| Net loans and leases to total assets | 38.4500% | 4,114 |
| Net loans and leases to deposits | 44.5882% | 4,091 |
| Net loans and leases to core deposits | 49.2368% | 4,059 |
| Total domestic deposits to total assets | 86.2300% | 2,124 |
| Equity capital to assets | 7.7681% | 3,201 |
| Core capital (leverage) ratio | 9.3489% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2137% | 794 |
| Memoranda: | ||
| Average total assets | $1,812,261,500 | 624 |
| Average earning assets | $1,731,259,250 | 599 |
| Average equity | $131,933,500 | 747 |
| Average total loans | $677,234,000 | 988 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8407% | 4,579 |
| Cost of funding earning assets | 0.4887% | 4,005 |
| Net interest margin | 2.3519% | 4,335 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.6493% | 4,211 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8453% | 2,940 |
| Return on assets (ROA) | 0.8453% | 2,949 |
| Pretax return on assets | 1.0757% | 2,705 |
| Return on Equity (ROE) | 11.8800% | 2,186 |
| Retained earnings to average equity (ytd only) | 11.8793% | 1,004 |
| Net charge-offs to loans | 0.0183% | 1,541 |
| Credit loss provision to net charge-offs | 659.0164% | 546 |
| Earnings coverage of net charge-offs (x) | 166.2787% | 698 |
| Efficiency ratio | 59.5171% | 3,020 |
| Assets per employee ($millions) | 7.1545% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,044 |
| Loan loss allowance to noncurrent loans | 1,483.7022% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,511 |
| Noncurrent loans to loans | 0.0727% | 3,175 |
| Net loans and leases to total assets | 37.5100% | 4,136 |
| Net loans and leases to deposits | 44.5520% | 4,080 |
| Net loans and leases to core deposits | 48.1569% | 4,066 |
| Total domestic deposits to total assets | 84.2000% | 2,777 |
| Equity capital to assets | 7.3886% | 3,584 |
| Core capital (leverage) ratio | 9.1376% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9670% | 819 |
| Memoranda: | ||
| Average total assets | $1,808,295,000 | 614 |
| Average earning assets | $1,727,698,333 | 589 |
| Average equity | $128,677,333 | 759 |
| Average total loans | $666,599,333 | 988 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7246% | 4,615 |
| Cost of funding earning assets | 0.3698% | 4,033 |
| Net interest margin | 2.3548% | 4,419 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 1.6128% | 4,291 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8822% | 2,912 |
| Return on assets (ROA) | 0.8822% | 2,868 |
| Pretax return on assets | 1.0993% | 2,706 |
| Return on Equity (ROE) | 12.6400% | 2,066 |
| Retained earnings to average equity (ytd only) | 12.6381% | 1,156 |
| Net charge-offs to loans | 0.0675% | 734 |
| Credit loss provision to net charge-offs | 218.0180% | 788 |
| Earnings coverage of net charge-offs (x) | 47.0180% | 1,121 |
| Efficiency ratio | 58.3180% | 3,162 |
| Assets per employee ($millions) | 7.3267% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,184 |
| Loan loss allowance to noncurrent loans | 1,265.7244% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,467 |
| Noncurrent loans to loans | 0.0849% | 3,138 |
| Net loans and leases to total assets | 36.4600% | 4,175 |
| Net loans and leases to deposits | 43.0484% | 4,130 |
| Net loans and leases to core deposits | 45.9478% | 4,114 |
| Total domestic deposits to total assets | 84.6900% | 2,932 |
| Equity capital to assets | 7.2886% | 3,680 |
| Core capital (leverage) ratio | 8.9382% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9622% | 851 |
| Memoranda: | ||
| Average total assets | $1,810,981,500 | 627 |
| Average earning assets | $1,730,434,500 | 601 |
| Average equity | $126,411,000 | 780 |
| Average total loans | $658,047,500 | 1,010 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4378% | 4,522 |
| Cost of funding earning assets | 0.0916% | 4,425 |
| Net interest margin | 2.3462% | 4,397 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 1.5837% | 4,326 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9014% | 2,958 |
| Return on assets (ROA) | 0.9014% | 2,892 |
| Pretax return on assets | 1.1759% | 2,516 |
| Return on Equity (ROE) | 13.0000% | 1,815 |
| Retained earnings to average equity (ytd only) | 9.2683% | 1,399 |
| Net charge-offs to loans | -0.0644% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.9713% | 3,473 |
| Assets per employee ($millions) | 7.4887% | 1,624 |
| Cash dividends to net income (ytd only)* | 28.7192% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,233 |
| Loan loss allowance to noncurrent loans | 840.6513% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,277 |
| Noncurrent loans to loans | 0.1467% | 2,776 |
| Net loans and leases to total assets | 35.3800% | 4,246 |
| Net loans and leases to deposits | 41.6015% | 4,197 |
| Net loans and leases to core deposits | 44.0751% | 4,176 |
| Total domestic deposits to total assets | 85.0400% | 2,985 |
| Equity capital to assets | 6.6723% | 3,830 |
| Core capital (leverage) ratio | 8.6199% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7071% | 870 |
| Memoranda: | ||
| Average total assets | $1,812,767,200 | 604 |
| Average earning assets | $1,734,087,400 | 580 |
| Average equity | $125,675,600 | 785 |
| Average total loans | $616,624,200 | 1,019 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3569% | 4,516 |
| Cost of funding earning assets | 0.0795% | 4,421 |
| Net interest margin | 2.2773% | 4,419 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.5635% | 4,345 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8740% | 2,988 |
| Return on assets (ROA) | 0.8740% | 2,957 |
| Pretax return on assets | 1.1396% | 2,596 |
| Return on Equity (ROE) | 12.4900% | 1,880 |
| Retained earnings to average equity (ytd only) | 12.4897% | 694 |
| Net charge-offs to loans | -0.0876% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6468% | 3,428 |
| Assets per employee ($millions) | 7.5323% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,349 |
| Loan loss allowance to noncurrent loans | 703.1703% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,280 |
| Noncurrent loans to loans | 0.1757% | 2,708 |
| Net loans and leases to total assets | 34.1900% | 4,296 |
| Net loans and leases to deposits | 39.5557% | 4,250 |
| Net loans and leases to core deposits | 41.1250% | 4,245 |
| Total domestic deposits to total assets | 86.4200% | 2,955 |
| Equity capital to assets | 6.4676% | 3,757 |
| Core capital (leverage) ratio | 8.4292% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7798% | 886 |
| Memoranda: | ||
| Average total assets | $1,812,893,750 | 605 |
| Average earning assets | $1,734,919,500 | 577 |
| Average equity | $126,864,500 | 787 |
| Average total loans | $608,497,250 | 1,026 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2652% | 4,540 |
| Cost of funding earning assets | 0.0769% | 4,404 |
| Net interest margin | 2.1883% | 4,447 |
| Noninterest income to average assets | 0.5346% | 2,020 |
| Noninterest expense to average assets | 1.5406% | 4,367 |
| Loan and lease loss provision to assets | 0.0044% | 2,527 |
| Net operating income to assets | 0.8274% | 2,859 |
| Return on assets (ROA) | 0.8274% | 2,836 |
| Pretax return on assets | 1.0804% | 2,480 |
| Return on Equity (ROE) | 11.5323% | 1,823 |
| Retained earnings to average equity (ytd only) | 11.5323% | 692 |
| Net charge-offs to loans | -0.1030% | 4,450 |
| Credit loss provision to net charge-offs | -12.9032% | 2,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6808% | 3,467 |
| Assets per employee ($millions) | 7.3412% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,503 |
| Loan loss allowance to noncurrent loans | 814.2704% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,480 |
| Noncurrent loans to loans | 0.1516% | 2,937 |
| Net loans and leases to total assets | 33.0882% | 4,367 |
| Net loans and leases to deposits | 38.2884% | 4,323 |
| Net loans and leases to core deposits | 39.8665% | 4,325 |
| Total domestic deposits to total assets | 86.4183% | 3,137 |
| Equity capital to assets | 6.7313% | 3,924 |
| Core capital (leverage) ratio | 8.4274% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6410% | 900 |
| Memoranda: | ||
| Average total assets | $1,812,098,667 | 599 |
| Average earning assets | $1,731,425,667 | 580 |
| Average equity | $130,017,667 | 775 |
| Average total loans | $601,890,000 | 1,024 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2508% | 4,498 |
| Cost of funding earning assets | 0.0815% | 4,341 |
| Net interest margin | 2.1693% | 4,380 |
| Noninterest income to average assets | 0.5105% | 2,096 |
| Noninterest expense to average assets | 1.5265% | 4,390 |
| Loan and lease loss provision to assets | 0.0138% | 2,099 |
| Net operating income to assets | 0.7916% | 2,689 |
| Return on assets (ROA) | 0.7916% | 2,686 |
| Pretax return on assets | 1.0393% | 2,325 |
| Return on Equity (ROE) | 10.6951% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.6951% | 849 |
| Net charge-offs to loans | -0.1243% | 4,513 |
| Credit loss provision to net charge-offs | -33.5135% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1766% | 3,563 |
| Assets per employee ($millions) | 7.1661% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,658 |
| Loan loss allowance to noncurrent loans | 666.0142% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 3,432 |
| Noncurrent loans to loans | 0.1859% | 2,888 |
| Net loans and leases to total assets | 33.3374% | 4,327 |
| Net loans and leases to deposits | 39.0732% | 4,285 |
| Net loans and leases to core deposits | 40.8644% | 4,283 |
| Total domestic deposits to total assets | 85.3203% | 3,464 |
| Equity capital to assets | 7.1221% | 4,148 |
| Core capital (leverage) ratio | 8.2599% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5166% | 969 |
| Memoranda: | ||
| Average total assets | $1,800,504,000 | 600 |
| Average earning assets | $1,717,238,000 | 583 |
| Average equity | $133,257,000 | 767 |
| Average total loans | $595,408,500 | 1,027 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5022% | 4,478 |
| Cost of funding earning assets | 0.1215% | 4,208 |
| Net interest margin | 2.3807% | 4,342 |
| Noninterest income to average assets | 0.5507% | 2,359 |
| Noninterest expense to average assets | 1.6250% | 4,392 |
| Loan and lease loss provision to assets | -0.0202% | 4,225 |
| Net operating income to assets | 0.9444% | 2,888 |
| Return on assets (ROA) | 0.9450% | 2,957 |
| Pretax return on assets | 1.2217% | 2,594 |
| Return on Equity (ROE) | 11.6091% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.4052% | 820 |
| Net charge-offs to loans | -0.0533% | 4,354 |
| Credit loss provision to net charge-offs | 109.0032% | 1,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5061% | 3,521 |
| Assets per employee ($millions) | 7.3856% | 1,673 |
| Cash dividends to net income (ytd only)* | 10.3700% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,706 |
| Loan loss allowance to noncurrent loans | 582.3813% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 3,478 |
| Noncurrent loans to loans | 0.2121% | 2,896 |
| Net loans and leases to total assets | 31.9895% | 4,447 |
| Net loans and leases to deposits | 38.1085% | 4,395 |
| Net loans and leases to core deposits | 39.8363% | 4,395 |
| Total domestic deposits to total assets | 83.9433% | 3,581 |
| Equity capital to assets | 7.6773% | 4,513 |
| Core capital (leverage) ratio | 8.0067% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6890% | 939 |
| Memoranda: | ||
| Average total assets | $1,678,636,800 | 624 |
| Average earning assets | $1,604,187,000 | 598 |
| Average equity | $136,643,200 | 765 |
| Average total loans | $583,972,000 | 1,039 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5521% | 4,538 |
| Cost of funding earning assets | 0.1308% | 4,258 |
| Net interest margin | 2.4213% | 4,374 |
| Noninterest income to average assets | 0.5491% | 2,410 |
| Noninterest expense to average assets | 1.6272% | 4,430 |
| Loan and lease loss provision to assets | -0.0296% | 4,393 |
| Net operating income to assets | 0.9724% | 3,012 |
| Return on assets (ROA) | 0.9909% | 3,026 |
| Pretax return on assets | 1.2920% | 2,642 |
| Return on Equity (ROE) | 11.9853% | 2,050 |
| Retained earnings to average equity (ytd only) | 11.9853% | 841 |
| Net charge-offs to loans | -0.0551% | 4,398 |
| Credit loss provision to net charge-offs | 151.4523% | 1,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7718% | 3,439 |
| Assets per employee ($millions) | 7.1212% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,827 |
| Loan loss allowance to noncurrent loans | 544.0213% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,585 |
| Noncurrent loans to loans | 0.2266% | 3,038 |
| Net loans and leases to total assets | 32.4041% | 4,533 |
| Net loans and leases to deposits | 39.1178% | 4,484 |
| Net loans and leases to core deposits | 40.8872% | 4,486 |
| Total domestic deposits to total assets | 82.8374% | 3,748 |
| Equity capital to assets | 8.0032% | 4,522 |
| Core capital (leverage) ratio | 8.1804% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8983% | 978 |
| Memoranda: | ||
| Average total assets | $1,645,927,500 | 638 |
| Average earning assets | $1,575,087,250 | 612 |
| Average equity | $136,074,250 | 784 |
| Average total loans | $583,444,750 | 1,053 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5465% | 4,586 |
| Cost of funding earning assets | 0.1429% | 4,263 |
| Net interest margin | 2.4035% | 4,415 |
| Noninterest income to average assets | 0.5501% | 2,407 |
| Noninterest expense to average assets | 1.5970% | 4,514 |
| Loan and lease loss provision to assets | -0.0341% | 4,475 |
| Net operating income to assets | 0.9868% | 2,933 |
| Return on assets (ROA) | 1.0153% | 2,923 |
| Pretax return on assets | 1.3249% | 2,563 |
| Return on Equity (ROE) | 12.1383% | 2,005 |
| Retained earnings to average equity (ytd only) | 12.1383% | 885 |
| Net charge-offs to loans | -0.0667% | 4,483 |
| Credit loss provision to net charge-offs | 140.5128% | 1,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0005% | 3,540 |
| Assets per employee ($millions) | 6.8034% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,745 |
| Loan loss allowance to noncurrent loans | 466.7532% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,561 |
| Noncurrent loans to loans | 0.2649% | 2,990 |
| Net loans and leases to total assets | 33.8922% | 4,544 |
| Net loans and leases to deposits | 40.8459% | 4,496 |
| Net loans and leases to core deposits | 42.7741% | 4,498 |
| Total domestic deposits to total assets | 82.9759% | 3,710 |
| Equity capital to assets | 8.0865% | 4,484 |
| Core capital (leverage) ratio | 8.3311% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0119% | 956 |
| Memoranda: | ||
| Average total assets | $1,605,883,000 | 647 |
| Average earning assets | $1,537,817,333 | 619 |
| Average equity | $134,318,667 | 788 |
| Average total loans | $584,786,333 | 1,054 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6195% | 4,556 |
| Cost of funding earning assets | 0.1630% | 4,217 |
| Net interest margin | 2.4565% | 4,358 |
| Noninterest income to average assets | 0.5255% | 2,499 |
| Noninterest expense to average assets | 1.5303% | 4,620 |
| Loan and lease loss provision to assets | -0.0333% | 4,622 |
| Net operating income to assets | 1.0607% | 2,603 |
| Return on assets (ROA) | 1.1192% | 2,493 |
| Pretax return on assets | 1.4688% | 2,077 |
| Return on Equity (ROE) | 13.1445% | 1,631 |
| Retained earnings to average equity (ytd only) | 13.1445% | 886 |
| Net charge-offs to loans | -0.0443% | 4,347 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9183% | 3,925 |
| Assets per employee ($millions) | 6.5304% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,751 |
| Loan loss allowance to noncurrent loans | 568.4294% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,755 |
| Noncurrent loans to loans | 0.2167% | 3,331 |
| Net loans and leases to total assets | 35.5129% | 4,524 |
| Net loans and leases to deposits | 42.6507% | 4,471 |
| Net loans and leases to core deposits | 45.3501% | 4,459 |
| Total domestic deposits to total assets | 83.2647% | 3,623 |
| Equity capital to assets | 8.2383% | 4,336 |
| Core capital (leverage) ratio | 8.7619% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4160% | 864 |
| Memoranda: | ||
| Average total assets | $1,561,805,500 | 654 |
| Average earning assets | $1,504,399,000 | 625 |
| Average equity | $132,983,500 | 788 |
| Average total loans | $586,512,000 | 1,055 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1713% | 4,486 |
| Cost of funding earning assets | 0.3337% | 3,957 |
| Net interest margin | 2.8376% | 4,201 |
| Noninterest income to average assets | 0.6143% | 2,166 |
| Noninterest expense to average assets | 1.9669% | 4,203 |
| Loan and lease loss provision to assets | 0.0553% | 3,681 |
| Net operating income to assets | 1.0192% | 2,223 |
| Return on assets (ROA) | 1.0192% | 2,360 |
| Pretax return on assets | 1.3120% | 1,934 |
| Return on Equity (ROE) | 10.7560% | 1,718 |
| Retained earnings to average equity (ytd only) | 5.6128% | 1,990 |
| Net charge-offs to loans | -0.0165% | 4,381 |
| Credit loss provision to net charge-offs | -820.4301% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9925% | 3,592 |
| Assets per employee ($millions) | 5.8958% | 2,438 |
| Cash dividends to net income (ytd only)* | 47.8174% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,772 |
| Loan loss allowance to noncurrent loans | 221.5549% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,139 |
| Noncurrent loans to loans | 0.5575% | 2,310 |
| Net loans and leases to total assets | 38.8030% | 4,486 |
| Net loans and leases to deposits | 46.8292% | 4,436 |
| Net loans and leases to core deposits | 50.1574% | 4,415 |
| Total domestic deposits to total assets | 82.8607% | 3,451 |
| Equity capital to assets | 8.8149% | 4,208 |
| Core capital (leverage) ratio | 8.7322% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1343% | 883 |
| Memoranda: | ||
| Average total assets | $1,380,159,000 | 663 |
| Average earning assets | $1,322,826,200 | 638 |
| Average equity | $130,773,200 | 761 |
| Average total loans | $562,234,200 | 1,040 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2814% | 4,499 |
| Cost of funding earning assets | 0.3711% | 3,952 |
| Net interest margin | 2.9104% | 4,166 |
| Noninterest income to average assets | 0.6169% | 2,110 |
| Noninterest expense to average assets | 1.9766% | 4,202 |
| Loan and lease loss provision to assets | 0.0782% | 3,339 |
| Net operating income to assets | 1.0320% | 2,218 |
| Return on assets (ROA) | 1.0320% | 2,347 |
| Pretax return on assets | 1.3474% | 1,884 |
| Return on Equity (ROE) | 10.6856% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.6856% | 631 |
| Net charge-offs to loans | -0.0175% | 4,379 |
| Credit loss provision to net charge-offs | -1,086.3014% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0969% | 3,650 |
| Assets per employee ($millions) | 5.6546% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,494 |
| Loan loss allowance to noncurrent loans | 230.9426% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 3,306 |
| Noncurrent loans to loans | 0.5330% | 2,467 |
| Net loans and leases to total assets | 40.1798% | 4,563 |
| Net loans and leases to deposits | 48.5130% | 4,537 |
| Net loans and leases to core deposits | 52.0236% | 4,527 |
| Total domestic deposits to total assets | 82.8229% | 3,187 |
| Equity capital to assets | 9.3255% | 3,840 |
| Core capital (leverage) ratio | 9.2766% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4163% | 737 |
| Memoranda: | ||
| Average total assets | $1,350,814,250 | 661 |
| Average earning assets | $1,292,821,750 | 639 |
| Average equity | $130,464,750 | 756 |
| Average total loans | $555,703,750 | 1,042 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4311% | 4,507 |
| Cost of funding earning assets | 0.4166% | 3,964 |
| Net interest margin | 3.0146% | 4,090 |
| Noninterest income to average assets | 0.6293% | 2,017 |
| Noninterest expense to average assets | 1.9988% | 4,238 |
| Loan and lease loss provision to assets | 0.1470% | 2,543 |
| Net operating income to assets | 1.0414% | 2,184 |
| Return on assets (ROA) | 1.0414% | 2,314 |
| Pretax return on assets | 1.3624% | 1,829 |
| Return on Equity (ROE) | 10.6477% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.6477% | 666 |
| Net charge-offs to loans | 0.0357% | 2,025 |
| Credit loss provision to net charge-offs | 997.9381% | 796 |
| Earnings coverage of net charge-offs (x) | 102.4433% | 692 |
| Efficiency ratio | 56.9752% | 3,823 |
| Assets per employee ($millions) | 5.6546% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,324 |
| Loan loss allowance to noncurrent loans | 220.8675% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 3,134 |
| Noncurrent loans to loans | 0.5596% | 2,488 |
| Net loans and leases to total assets | 40.9984% | 4,567 |
| Net loans and leases to deposits | 49.7019% | 4,543 |
| Net loans and leases to core deposits | 52.5160% | 4,543 |
| Total domestic deposits to total assets | 82.4885% | 3,241 |
| Equity capital to assets | 9.3842% | 3,753 |
| Core capital (leverage) ratio | 9.6316% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4077% | 726 |
| Memoranda: | ||
| Average total assets | $1,316,674,333 | 662 |
| Average earning assets | $1,257,430,000 | 643 |
| Average equity | $128,779,000 | 759 |
| Average total loans | $543,877,000 | 1,046 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,579 |
| Cost of funding earning assets | 0.4757% | 4,044 |
| Net interest margin | 3.0793% | 4,136 |
| Noninterest income to average assets | 0.7663% | 1,407 |
| Noninterest expense to average assets | 2.1199% | 4,181 |
| Loan and lease loss provision to assets | 0.0449% | 3,216 |
| Net operating income to assets | 1.1835% | 1,574 |
| Return on assets (ROA) | 1.1835% | 1,694 |
| Pretax return on assets | 1.5420% | 1,204 |
| Return on Equity (ROE) | 11.8319% | 1,149 |
| Retained earnings to average equity (ytd only) | 11.8319% | 440 |
| Net charge-offs to loans | 0.0629% | 1,384 |
| Credit loss provision to net charge-offs | 173.1707% | 1,497 |
| Earnings coverage of net charge-offs (x) | 61.2195% | 798 |
| Efficiency ratio | 57.1892% | 4,094 |
| Assets per employee ($millions) | 4.9992% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,476 |
| Loan loss allowance to noncurrent loans | 278.8022% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,437 |
| Noncurrent loans to loans | 0.4432% | 2,928 |
| Net loans and leases to total assets | 40.7289% | 4,639 |
| Net loans and leases to deposits | 50.2902% | 4,581 |
| Net loans and leases to core deposits | 53.5111% | 4,583 |
| Total domestic deposits to total assets | 80.9878% | 3,668 |
| Equity capital to assets | 10.2481% | 3,559 |
| Core capital (leverage) ratio | 10.0173% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3305% | 827 |
| Memoranda: | ||
| Average total assets | $1,265,353,000 | 658 |
| Average earning assets | $1,208,334,000 | 632 |
| Average equity | $126,573,000 | 763 |
| Average total loans | $521,226,000 | 1,058 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,705 |
| Cost of funding earning assets | 0.4786% | 4,173 |
| Net interest margin | 3.1945% | 4,196 |
| Noninterest income to average assets | 0.7495% | 1,631 |
| Noninterest expense to average assets | 2.2777% | 4,002 |
| Loan and lease loss provision to assets | 0.0566% | 2,901 |
| Net operating income to assets | 1.1168% | 2,378 |
| Return on assets (ROA) | 1.1169% | 2,473 |
| Pretax return on assets | 1.4470% | 1,988 |
| Return on Equity (ROE) | 11.3742% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.7848% | 1,983 |
| Net charge-offs to loans | 0.0915% | 1,814 |
| Credit loss provision to net charge-offs | 147.4468% | 1,746 |
| Earnings coverage of net charge-offs (x) | 39.1915% | 1,333 |
| Efficiency ratio | 60.2392% | 3,656 |
| Assets per employee ($millions) | 4.9254% | 2,679 |
| Cash dividends to net income (ytd only)* | 49.1414% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,256 |
| Loan loss allowance to noncurrent loans | 210.8188% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 3,333 |
| Noncurrent loans to loans | 0.5862% | 2,425 |
| Net loans and leases to total assets | 40.6370% | 4,711 |
| Net loans and leases to deposits | 50.1384% | 4,682 |
| Net loans and leases to core deposits | 53.1758% | 4,671 |
| Total domestic deposits to total assets | 81.0497% | 3,758 |
| Equity capital to assets | 9.7562% | 4,147 |
| Core capital (leverage) ratio | 9.6966% | 3,847 |
| Tier 1 risk-based capital ratio | 18.7114% | 1,588 |
| Total risk-based capital ratio | 19.6910% | 1,619 |
| Memoranda: | ||
| Average total assets | $1,225,238,600 | 647 |
| Average earning assets | $1,162,740,800 | 626 |
| Average equity | $120,315,800 | 757 |
| Average total loans | $513,554,600 | 1,055 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,812 |
| Cost of funding earning assets | 0.4656% | 4,285 |
| Net interest margin | 3.2055% | 4,287 |
| Noninterest income to average assets | 0.7625% | 1,549 |
| Noninterest expense to average assets | 2.2751% | 4,018 |
| Loan and lease loss provision to assets | 0.0443% | 3,025 |
| Net operating income to assets | 1.1378% | 2,424 |
| Return on assets (ROA) | 1.1380% | 2,507 |
| Pretax return on assets | 1.4850% | 2,007 |
| Return on Equity (ROE) | 11.5699% | 1,775 |
| Retained earnings to average equity (ytd only) | 11.5699% | 438 |
| Net charge-offs to loans | 0.0536% | 2,066 |
| Credit loss provision to net charge-offs | 196.1165% | 1,334 |
| Earnings coverage of net charge-offs (x) | 67.7087% | 980 |
| Efficiency ratio | 59.8075% | 3,680 |
| Assets per employee ($millions) | 4.9022% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,314 |
| Loan loss allowance to noncurrent loans | 185.8016% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 3,262 |
| Noncurrent loans to loans | 0.6644% | 2,296 |
| Net loans and leases to total assets | 40.8706% | 4,786 |
| Net loans and leases to deposits | 50.5205% | 4,762 |
| Net loans and leases to core deposits | 53.5677% | 4,758 |
| Total domestic deposits to total assets | 80.8990% | 3,790 |
| Equity capital to assets | 10.1463% | 3,874 |
| Core capital (leverage) ratio | 10.1468% | 3,481 |
| Tier 1 risk-based capital ratio | 19.3315% | 1,498 |
| Total risk-based capital ratio | 20.3122% | 1,527 |
| Memoranda: | ||
| Average total assets | $1,216,322,000 | 652 |
| Average earning assets | $1,154,101,250 | 630 |
| Average equity | $119,640,750 | 758 |
| Average total loans | $512,242,000 | 1,054 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,891 |
| Cost of funding earning assets | 0.4470% | 4,334 |
| Net interest margin | 3.1963% | 4,375 |
| Noninterest income to average assets | 0.7394% | 1,563 |
| Noninterest expense to average assets | 2.2797% | 4,059 |
| Loan and lease loss provision to assets | 0.0453% | 2,914 |
| Net operating income to assets | 1.1047% | 2,506 |
| Return on assets (ROA) | 1.1043% | 2,579 |
| Pretax return on assets | 1.4409% | 2,062 |
| Return on Equity (ROE) | 11.3508% | 1,845 |
| Retained earnings to average equity (ytd only) | 11.3508% | 502 |
| Net charge-offs to loans | 0.0176% | 2,520 |
| Credit loss provision to net charge-offs | 606.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 199.0667% | 390 |
| Efficiency ratio | 60.5270% | 3,650 |
| Assets per employee ($millions) | 4.8403% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,321 |
| Loan loss allowance to noncurrent loans | 197.8415% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 3,123 |
| Noncurrent loans to loans | 0.6250% | 2,385 |
| Net loans and leases to total assets | 41.8494% | 4,784 |
| Net loans and leases to deposits | 51.3445% | 4,764 |
| Net loans and leases to core deposits | 54.4327% | 4,769 |
| Total domestic deposits to total assets | 81.5070% | 3,664 |
| Equity capital to assets | 10.0224% | 3,957 |
| Core capital (leverage) ratio | 10.1397% | 3,463 |
| Tier 1 risk-based capital ratio | 18.7382% | 1,611 |
| Total risk-based capital ratio | 19.7225% | 1,641 |
| Memoranda: | ||
| Average total assets | $1,205,076,330 | 659 |
| Average earning assets | $1,141,268,000 | 637 |
| Average equity | $117,242,670 | 766 |
| Average total loans | $510,558,670 | 1,058 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 4,963 |
| Cost of funding earning assets | 0.4126% | 4,437 |
| Net interest margin | 3.1940% | 4,397 |
| Noninterest income to average assets | 0.7011% | 1,611 |
| Noninterest expense to average assets | 2.2260% | 4,196 |
| Loan and lease loss provision to assets | 0.0365% | 2,890 |
| Net operating income to assets | 1.1253% | 2,370 |
| Return on assets (ROA) | 1.1247% | 2,420 |
| Pretax return on assets | 1.4738% | 1,852 |
| Return on Equity (ROE) | 11.7418% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.7418% | 666 |
| Net charge-offs to loans | -0.0166% | 4,420 |
| Credit loss provision to net charge-offs | -519.0476% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5684% | 3,870 |
| Assets per employee ($millions) | 4.8489% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,398 |
| Loan loss allowance to noncurrent loans | 280.6753% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 3,489 |
| Noncurrent loans to loans | 0.4404% | 3,001 |
| Net loans and leases to total assets | 41.9807% | 4,830 |
| Net loans and leases to deposits | 52.5272% | 4,728 |
| Net loans and leases to core deposits | 55.7624% | 4,725 |
| Total domestic deposits to total assets | 79.9219% | 4,189 |
| Equity capital to assets | 9.7461% | 4,047 |
| Core capital (leverage) ratio | 10.0122% | 3,589 |
| Tier 1 risk-based capital ratio | 18.5338% | 1,653 |
| Total risk-based capital ratio | 19.5190% | 1,677 |
| Memoranda: | ||
| Average total assets | $1,195,317,500 | 666 |
| Average earning assets | $1,136,124,000 | 645 |
| Average equity | $114,497,000 | 780 |
| Average total loans | $506,387,500 | 1,064 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 4,961 |
| Cost of funding earning assets | 0.2552% | 4,780 |
| Net interest margin | 3.1984% | 4,490 |
| Noninterest income to average assets | 0.7713% | 1,563 |
| Noninterest expense to average assets | 2.3477% | 3,995 |
| Loan and lease loss provision to assets | 0.0424% | 3,341 |
| Net operating income to assets | 1.1044% | 2,573 |
| Return on assets (ROA) | 1.1022% | 2,586 |
| Pretax return on assets | 1.4221% | 2,068 |
| Return on Equity (ROE) | 11.8222% | 1,778 |
| Retained earnings to average equity (ytd only) | 6.3705% | 1,993 |
| Net charge-offs to loans | 0.0712% | 2,100 |
| Credit loss provision to net charge-offs | 141.3105% | 1,917 |
| Earnings coverage of net charge-offs (x) | 48.9430% | 1,153 |
| Efficiency ratio | 61.5398% | 3,617 |
| Assets per employee ($millions) | 4.8102% | 2,726 |
| Cash dividends to net income (ytd only)* | 46.1139% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,388 |
| Loan loss allowance to noncurrent loans | 219.3548% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 3,256 |
| Noncurrent loans to loans | 0.5624% | 2,586 |
| Net loans and leases to total assets | 41.6998% | 4,891 |
| Net loans and leases to deposits | 51.6799% | 4,830 |
| Net loans and leases to core deposits | 55.0738% | 4,807 |
| Total domestic deposits to total assets | 80.6887% | 3,957 |
| Equity capital to assets | 9.4094% | 4,208 |
| Core capital (leverage) ratio | 9.6024% | 4,001 |
| Tier 1 risk-based capital ratio | 18.2208% | 1,690 |
| Total risk-based capital ratio | 19.1971% | 1,731 |
| Memoranda: | ||
| Average total assets | $1,170,828,000 | 657 |
| Average earning assets | $1,114,171,400 | 636 |
| Average equity | $109,159,400 | 786 |
| Average total loans | $493,217,800 | 1,062 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3627% | 5,072 |
| Cost of funding earning assets | 0.2314% | 4,881 |
| Net interest margin | 3.1313% | 4,649 |
| Noninterest income to average assets | 0.7642% | 1,611 |
| Noninterest expense to average assets | 2.3277% | 4,027 |
| Loan and lease loss provision to assets | 0.0250% | 3,516 |
| Net operating income to assets | 1.0663% | 2,805 |
| Return on assets (ROA) | 1.0633% | 2,826 |
| Pretax return on assets | 1.3871% | 2,277 |
| Return on Equity (ROE) | 11.4319% | 2,005 |
| Retained earnings to average equity (ytd only) | 11.4319% | 566 |
| Net charge-offs to loans | 0.0299% | 2,495 |
| Credit loss provision to net charge-offs | 199.0909% | 1,390 |
| Earnings coverage of net charge-offs (x) | 112.6205% | 686 |
| Efficiency ratio | 62.1775% | 3,483 |
| Assets per employee ($millions) | 4.7870% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,422 |
| Loan loss allowance to noncurrent loans | 190.3465% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,177 |
| Noncurrent loans to loans | 0.6499% | 2,464 |
| Net loans and leases to total assets | 41.0407% | 4,994 |
| Net loans and leases to deposits | 51.0084% | 4,918 |
| Net loans and leases to core deposits | 54.5423% | 4,894 |
| Total domestic deposits to total assets | 80.4586% | 4,004 |
| Equity capital to assets | 9.4145% | 4,171 |
| Core capital (leverage) ratio | 9.9256% | 3,713 |
| Tier 1 risk-based capital ratio | 18.6952% | 1,615 |
| Total risk-based capital ratio | 19.6712% | 1,647 |
| Memoranda: | ||
| Average total assets | $1,166,505,750 | 655 |
| Average earning assets | $1,109,922,250 | 635 |
| Average equity | $108,500,500 | 789 |
| Average total loans | $491,114,500 | 1,066 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3169% | 5,124 |
| Cost of funding earning assets | 0.2065% | 4,998 |
| Net interest margin | 3.1104% | 4,712 |
| Noninterest income to average assets | 0.7629% | 1,600 |
| Noninterest expense to average assets | 2.3450% | 4,034 |
| Loan and lease loss provision to assets | 0.0282% | 3,351 |
| Net operating income to assets | 1.0363% | 2,867 |
| Return on assets (ROA) | 1.0318% | 2,885 |
| Pretax return on assets | 1.3429% | 2,351 |
| Return on Equity (ROE) | 11.1398% | 2,053 |
| Retained earnings to average equity (ytd only) | 11.1398% | 640 |
| Net charge-offs to loans | 0.0703% | 1,637 |
| Credit loss provision to net charge-offs | 94.7674% | 2,119 |
| Earnings coverage of net charge-offs (x) | 46.2849% | 1,189 |
| Efficiency ratio | 63.0065% | 3,475 |
| Assets per employee ($millions) | 4.6333% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,547 |
| Loan loss allowance to noncurrent loans | 190.4071% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 3,207 |
| Noncurrent loans to loans | 0.6469% | 2,499 |
| Net loans and leases to total assets | 41.4398% | 5,007 |
| Net loans and leases to deposits | 50.7715% | 4,956 |
| Net loans and leases to core deposits | 54.0474% | 4,933 |
| Total domestic deposits to total assets | 81.6201% | 3,835 |
| Equity capital to assets | 9.3714% | 4,214 |
| Core capital (leverage) ratio | 9.8941% | 3,686 |
| Tier 1 risk-based capital ratio | 18.5310% | 1,669 |
| Total risk-based capital ratio | 19.5075% | 1,692 |
| Memoranda: | ||
| Average total assets | $1,156,428,000 | 664 |
| Average earning assets | $1,100,109,000 | 643 |
| Average equity | $107,111,670 | 796 |
| Average total loans | $489,052,000 | 1,071 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2728% | 5,168 |
| Cost of funding earning assets | 0.1902% | 5,078 |
| Net interest margin | 3.0826% | 4,738 |
| Noninterest income to average assets | 0.7344% | 1,683 |
| Noninterest expense to average assets | 2.2787% | 4,231 |
| Loan and lease loss provision to assets | 0.0372% | 3,004 |
| Net operating income to assets | 1.0341% | 2,718 |
| Return on assets (ROA) | 1.0267% | 2,761 |
| Pretax return on assets | 1.3444% | 2,206 |
| Return on Equity (ROE) | 11.1516% | 1,905 |
| Retained earnings to average equity (ytd only) | 11.1516% | 858 |
| Net charge-offs to loans | 0.0737% | 1,384 |
| Credit loss provision to net charge-offs | 118.8889% | 1,388 |
| Earnings coverage of net charge-offs (x) | 44.4667% | 1,004 |
| Efficiency ratio | 62.0951% | 3,764 |
| Assets per employee ($millions) | 4.5972% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,586 |
| Loan loss allowance to noncurrent loans | 162.5973% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 3,056 |
| Noncurrent loans to loans | 0.7617% | 2,293 |
| Net loans and leases to total assets | 41.8815% | 4,984 |
| Net loans and leases to deposits | 51.4149% | 4,906 |
| Net loans and leases to core deposits | 54.8894% | 4,884 |
| Total domestic deposits to total assets | 81.4579% | 4,104 |
| Equity capital to assets | 9.2459% | 4,322 |
| Core capital (leverage) ratio | 9.7588% | 3,798 |
| Tier 1 risk-based capital ratio | 18.0873% | 1,813 |
| Total risk-based capital ratio | 19.0704% | 1,832 |
| Memoranda: | ||
| Average total assets | $1,150,841,500 | 668 |
| Average earning assets | $1,095,826,000 | 649 |
| Average equity | $105,957,500 | 801 |
| Average total loans | $488,635,500 | 1,077 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2328% | 5,153 |
| Cost of funding earning assets | 0.1720% | 5,144 |
| Net interest margin | 3.0609% | 4,770 |
| Noninterest income to average assets | 0.8201% | 1,502 |
| Noninterest expense to average assets | 2.3927% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7627% | 3,334 |
| Return on assets (ROA) | 0.7625% | 3,372 |
| Pretax return on assets | 1.3229% | 2,273 |
| Return on Equity (ROE) | 8.1528% | 2,726 |
| Retained earnings to average equity (ytd only) | 4.0315% | 2,768 |
| Net charge-offs to loans | 0.3032% | 857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.4320% | 2,678 |
| Efficiency ratio | 64.3910% | 3,554 |
| Assets per employee ($millions) | 4.5367% | 3,135 |
| Cash dividends to net income (ytd only)* | 50.5514% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,547 |
| Loan loss allowance to noncurrent loans | 138.0941% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 2,950 |
| Noncurrent loans to loans | 0.8968% | 1,985 |
| Net loans and leases to total assets | 41.9850% | 5,067 |
| Net loans and leases to deposits | 51.7367% | 4,998 |
| Net loans and leases to core deposits | 55.3882% | 4,955 |
| Total domestic deposits to total assets | 81.1513% | 4,081 |
| Equity capital to assets | 9.1678% | 4,562 |
| Core capital (leverage) ratio | 9.3831% | 4,188 |
| Tier 1 risk-based capital ratio | 17.6106% | 1,919 |
| Total risk-based capital ratio | 18.5911% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,129,786,600 | 652 |
| Average earning assets | $1,068,840,800 | 636 |
| Average equity | $105,669,000 | 775 |
| Average total loans | $472,691,000 | 1,084 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2064% | 5,218 |
| Cost of funding earning assets | 0.1699% | 5,200 |
| Net interest margin | 3.0365% | 4,838 |
| Noninterest income to average assets | 0.8012% | 1,577 |
| Noninterest expense to average assets | 2.3658% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8666% | 3,192 |
| Return on assets (ROA) | 0.8664% | 3,243 |
| Pretax return on assets | 1.3042% | 2,469 |
| Return on Equity (ROE) | 9.2164% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.2164% | 785 |
| Net charge-offs to loans | 0.2025% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.4635% | 2,226 |
| Efficiency ratio | 64.4575% | 3,455 |
| Assets per employee ($millions) | 4.6505% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,751 |
| Loan loss allowance to noncurrent loans | 164.6787% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 3,106 |
| Noncurrent loans to loans | 0.8727% | 2,192 |
| Net loans and leases to total assets | 39.7462% | 5,206 |
| Net loans and leases to deposits | 49.1512% | 5,152 |
| Net loans and leases to core deposits | 52.5004% | 5,123 |
| Total domestic deposits to total assets | 80.8652% | 4,088 |
| Equity capital to assets | 9.4074% | 4,536 |
| Core capital (leverage) ratio | 9.5837% | 4,048 |
| Tier 1 risk-based capital ratio | 18.2990% | 1,776 |
| Total risk-based capital ratio | 19.4138% | 1,766 |
| Memoranda: | ||
| Average total assets | $1,125,287,000 | 661 |
| Average earning assets | $1,063,275,000 | 640 |
| Average equity | $105,779,500 | 774 |
| Average total loans | $468,878,500 | 1,090 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1604% | 5,292 |
| Cost of funding earning assets | 0.1675% | 5,227 |
| Net interest margin | 2.9930% | 4,929 |
| Noninterest income to average assets | 0.7958% | 1,583 |
| Noninterest expense to average assets | 2.3817% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8235% | 3,279 |
| Return on assets (ROA) | 0.8235% | 3,337 |
| Pretax return on assets | 1.2350% | 2,637 |
| Return on Equity (ROE) | 8.7632% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.7632% | 911 |
| Net charge-offs to loans | 0.2174% | 945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.4813% | 2,130 |
| Efficiency ratio | 65.8539% | 3,375 |
| Assets per employee ($millions) | 4.4551% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,687 |
| Loan loss allowance to noncurrent loans | 141.2612% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 2,747 |
| Noncurrent loans to loans | 1.0400% | 1,892 |
| Net loans and leases to total assets | 41.4541% | 5,171 |
| Net loans and leases to deposits | 50.2950% | 5,125 |
| Net loans and leases to core deposits | 53.5977% | 5,103 |
| Total domestic deposits to total assets | 82.4218% | 3,762 |
| Equity capital to assets | 9.5087% | 4,394 |
| Core capital (leverage) ratio | 9.8367% | 3,736 |
| Tier 1 risk-based capital ratio | 18.1302% | 1,816 |
| Total risk-based capital ratio | 19.2964% | 1,797 |
| Memoranda: | ||
| Average total assets | $1,111,295,000 | 671 |
| Average earning assets | $1,047,391,330 | 651 |
| Average equity | $104,436,330 | 786 |
| Average total loans | $468,268,670 | 1,096 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1472% | 5,309 |
| Cost of funding earning assets | 0.1663% | 5,259 |
| Net interest margin | 2.9809% | 4,928 |
| Noninterest income to average assets | 0.7533% | 1,734 |
| Noninterest expense to average assets | 2.3252% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8189% | 3,130 |
| Return on assets (ROA) | 0.8189% | 3,188 |
| Pretax return on assets | 1.2358% | 2,457 |
| Return on Equity (ROE) | 8.7671% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.7671% | 1,157 |
| Net charge-offs to loans | 0.1143% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 25.6316% | 1,332 |
| Efficiency ratio | 65.2957% | 3,618 |
| Assets per employee ($millions) | 4.4286% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,424 |
| Loan loss allowance to noncurrent loans | 137.1498% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 2,430 |
| Noncurrent loans to loans | 1.1537% | 1,762 |
| Net loans and leases to total assets | 41.4162% | 5,188 |
| Net loans and leases to deposits | 50.1607% | 5,124 |
| Net loans and leases to core deposits | 53.6568% | 5,079 |
| Total domestic deposits to total assets | 82.5670% | 3,986 |
| Equity capital to assets | 9.4727% | 4,303 |
| Core capital (leverage) ratio | 9.7451% | 3,824 |
| Tier 1 risk-based capital ratio | 18.0406% | 1,864 |
| Total risk-based capital ratio | 19.2904% | 1,821 |
| Memoranda: | ||
| Average total assets | $1,103,377,000 | 680 |
| Average earning assets | $1,039,288,500 | 662 |
| Average equity | $103,067,000 | 792 |
| Average total loans | $465,298,500 | 1,102 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1914% | 5,315 |
| Cost of funding earning assets | 0.1705% | 5,283 |
| Net interest margin | 3.0210% | 4,918 |
| Noninterest income to average assets | 0.7794% | 1,831 |
| Noninterest expense to average assets | 2.4148% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8026% | 3,291 |
| Return on assets (ROA) | 0.8030% | 3,395 |
| Pretax return on assets | 1.2165% | 2,600 |
| Return on Equity (ROE) | 8.4060% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.3615% | 2,796 |
| Net charge-offs to loans | 0.1726% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 16.3088% | 2,121 |
| Efficiency ratio | 66.5098% | 3,508 |
| Assets per employee ($millions) | 4.4338% | 3,216 |
| Cash dividends to net income (ytd only)* | 48.1152% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,367 |
| Loan loss allowance to noncurrent loans | 134.8242% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 2,336 |
| Noncurrent loans to loans | 1.1885% | 1,727 |
| Net loans and leases to total assets | 41.5814% | 5,251 |
| Net loans and leases to deposits | 51.0837% | 5,166 |
| Net loans and leases to core deposits | 54.7595% | 5,112 |
| Total domestic deposits to total assets | 81.3986% | 4,235 |
| Equity capital to assets | 9.2095% | 4,571 |
| Core capital (leverage) ratio | 9.3886% | 4,234 |
| Tier 1 risk-based capital ratio | 17.5660% | 1,986 |
| Total risk-based capital ratio | 18.8160% | 1,948 |
| Memoranda: | ||
| Average total assets | $1,077,018,200 | 671 |
| Average earning assets | $1,016,567,200 | 649 |
| Average equity | $102,878,400 | 768 |
| Average total loans | $465,148,600 | 1,042 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1899% | 5,375 |
| Cost of funding earning assets | 0.1705% | 5,346 |
| Net interest margin | 3.0194% | 4,975 |
| Noninterest income to average assets | 0.7571% | 1,942 |
| Noninterest expense to average assets | 2.3930% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8019% | 3,357 |
| Return on assets (ROA) | 0.8024% | 3,494 |
| Pretax return on assets | 1.2167% | 2,770 |
| Return on Equity (ROE) | 8.3232% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.3232% | 1,036 |
| Net charge-offs to loans | 0.1799% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.5678% | 2,176 |
| Efficiency ratio | 66.3065% | 3,540 |
| Assets per employee ($millions) | 4.4626% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 1,408 |
| Loan loss allowance to noncurrent loans | 126.6887% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 2,293 |
| Noncurrent loans to loans | 1.2786% | 1,745 |
| Net loans and leases to total assets | 41.8224% | 5,302 |
| Net loans and leases to deposits | 51.2117% | 5,244 |
| Net loans and leases to core deposits | 55.7440% | 5,160 |
| Total domestic deposits to total assets | 81.6657% | 4,052 |
| Equity capital to assets | 9.5856% | 4,571 |
| Core capital (leverage) ratio | 9.6664% | 3,977 |
| Tier 1 risk-based capital ratio | 17.6948% | 2,009 |
| Total risk-based capital ratio | 18.9451% | 1,969 |
| Memoranda: | ||
| Average total assets | $1,070,267,250 | 672 |
| Average earning assets | $1,010,920,750 | 654 |
| Average equity | $103,179,250 | 771 |
| Average total loans | $464,799,750 | 1,045 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1891% | 5,446 |
| Cost of funding earning assets | 0.1712% | 5,401 |
| Net interest margin | 3.0179% | 5,040 |
| Noninterest income to average assets | 0.7382% | 1,981 |
| Noninterest expense to average assets | 2.3619% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8156% | 3,240 |
| Return on assets (ROA) | 0.8164% | 3,373 |
| Pretax return on assets | 1.2328% | 2,658 |
| Return on Equity (ROE) | 8.4513% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.4513% | 1,028 |
| Net charge-offs to loans | 0.1860% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.1326% | 2,012 |
| Efficiency ratio | 65.7256% | 3,720 |
| Assets per employee ($millions) | 4.3355% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 1,357 |
| Loan loss allowance to noncurrent loans | 125.5037% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 2,103 |
| Noncurrent loans to loans | 1.3253% | 1,700 |
| Net loans and leases to total assets | 42.9858% | 5,286 |
| Net loans and leases to deposits | 52.9882% | 5,202 |
| Net loans and leases to core deposits | 57.5345% | 5,093 |
| Total domestic deposits to total assets | 81.1234% | 4,235 |
| Equity capital to assets | 9.6864% | 4,566 |
| Core capital (leverage) ratio | 9.8668% | 3,725 |
| Tier 1 risk-based capital ratio | 18.1641% | 1,884 |
| Total risk-based capital ratio | 19.4156% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,056,628,330 | 682 |
| Average earning assets | $999,708,670 | 660 |
| Average equity | $102,067,670 | 777 |
| Average total loans | $462,274,330 | 1,046 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2191% | 5,460 |
| Cost of funding earning assets | 0.1758% | 5,414 |
| Net interest margin | 3.0433% | 5,019 |
| Noninterest income to average assets | 0.7065% | 2,016 |
| Noninterest expense to average assets | 2.3399% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8335% | 3,069 |
| Return on assets (ROA) | 0.8351% | 3,192 |
| Pretax return on assets | 1.2450% | 2,527 |
| Return on Equity (ROE) | 8.6572% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.6572% | 1,209 |
| Net charge-offs to loans | 0.3594% | 617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.9002% | 2,105 |
| Efficiency ratio | 65.3135% | 3,918 |
| Assets per employee ($millions) | 4.2403% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 1,371 |
| Loan loss allowance to noncurrent loans | 111.0358% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 1,904 |
| Noncurrent loans to loans | 1.5317% | 1,524 |
| Net loans and leases to total assets | 43.7725% | 5,257 |
| Net loans and leases to deposits | 53.3144% | 5,144 |
| Net loans and leases to core deposits | 58.1486% | 5,040 |
| Total domestic deposits to total assets | 82.1025% | 4,193 |
| Equity capital to assets | 9.8426% | 4,280 |
| Core capital (leverage) ratio | 9.7323% | 3,867 |
| Tier 1 risk-based capital ratio | 18.2313% | 1,923 |
| Total risk-based capital ratio | 19.4834% | 1,884 |
| Memoranda: | ||
| Average total assets | $1,045,178,500 | 689 |
| Average earning assets | $987,744,500 | 668 |
| Average equity | $100,818,000 | 788 |
| Average total loans | $457,465,000 | 1,057 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 5,519 |
| Cost of funding earning assets | 0.1896% | 5,373 |
| Net interest margin | 3.0079% | 5,121 |
| Noninterest income to average assets | 0.7920% | 1,818 |
| Noninterest expense to average assets | 2.5205% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7431% | 3,605 |
| Return on assets (ROA) | 0.7431% | 3,703 |
| Pretax return on assets | 1.0988% | 3,070 |
| Return on Equity (ROE) | 7.7009% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,102 |
| Net charge-offs to loans | 0.1647% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.2027% | 2,218 |
| Efficiency ratio | 69.6405% | 3,282 |
| Assets per employee ($millions) | 4.2918% | 3,402 |
| Cash dividends to net income (ytd only)* | 47.0689% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 1,081 |
| Loan loss allowance to noncurrent loans | 109.4816% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 1,860 |
| Noncurrent loans to loans | 1.6718% | 1,359 |
| Net loans and leases to total assets | 42.2301% | 5,397 |
| Net loans and leases to deposits | 51.8488% | 5,293 |
| Net loans and leases to core deposits | 58.4543% | 5,082 |
| Total domestic deposits to total assets | 81.4485% | 4,352 |
| Equity capital to assets | 9.4518% | 4,607 |
| Core capital (leverage) ratio | 9.3319% | 4,426 |
| Tier 1 risk-based capital ratio | 17.9771% | 1,972 |
| Total risk-based capital ratio | 19.2302% | 1,928 |
| Memoranda: | ||
| Average total assets | $1,023,851,600 | 671 |
| Average earning assets | $962,354,200 | 659 |
| Average equity | $98,793,400 | 781 |
| Average total loans | $449,384,600 | 1,026 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 5,589 |
| Cost of funding earning assets | 0.1916% | 5,449 |
| Net interest margin | 3.0043% | 5,182 |
| Noninterest income to average assets | 0.7662% | 1,950 |
| Noninterest expense to average assets | 2.5023% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7237% | 3,799 |
| Return on assets (ROA) | 0.7237% | 3,906 |
| Pretax return on assets | 1.0858% | 3,285 |
| Return on Equity (ROE) | 7.4609% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.4609% | 1,472 |
| Net charge-offs to loans | 0.1248% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.7189% | 1,921 |
| Efficiency ratio | 69.7384% | 3,248 |
| Assets per employee ($millions) | 4.2850% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 1,117 |
| Loan loss allowance to noncurrent loans | 116.9773% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 1,923 |
| Noncurrent loans to loans | 1.6066% | 1,538 |
| Net loans and leases to total assets | 42.2463% | 5,473 |
| Net loans and leases to deposits | 52.2322% | 5,357 |
| Net loans and leases to core deposits | 58.9294% | 5,135 |
| Total domestic deposits to total assets | 80.8817% | 4,503 |
| Equity capital to assets | 9.5666% | 4,672 |
| Core capital (leverage) ratio | 9.5481% | 4,241 |
| Tier 1 risk-based capital ratio | 18.3095% | 1,953 |
| Total risk-based capital ratio | 19.5632% | 1,910 |
| Memoranda: | ||
| Average total assets | $1,016,943,750 | 683 |
| Average earning assets | $955,223,250 | 671 |
| Average equity | $98,645,750 | 786 |
| Average total loans | $448,650,500 | 1,033 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1987% | 5,626 |
| Cost of funding earning assets | 0.1956% | 5,477 |
| Net interest margin | 3.0031% | 5,209 |
| Noninterest income to average assets | 0.7360% | 2,057 |
| Noninterest expense to average assets | 2.5071% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7006% | 3,890 |
| Return on assets (ROA) | 0.7006% | 4,009 |
| Pretax return on assets | 1.0428% | 3,403 |
| Return on Equity (ROE) | 7.1876% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.1876% | 1,622 |
| Net charge-offs to loans | 0.1221% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.2022% | 1,760 |
| Efficiency ratio | 70.6243% | 3,240 |
| Assets per employee ($millions) | 4.1664% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 1,113 |
| Loan loss allowance to noncurrent loans | 110.4419% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 1,848 |
| Noncurrent loans to loans | 1.7456% | 1,470 |
| Net loans and leases to total assets | 43.2389% | 5,425 |
| Net loans and leases to deposits | 52.8054% | 5,332 |
| Net loans and leases to core deposits | 59.4537% | 5,106 |
| Total domestic deposits to total assets | 81.8835% | 4,330 |
| Equity capital to assets | 9.6465% | 4,473 |
| Core capital (leverage) ratio | 9.7575% | 3,928 |
| Tier 1 risk-based capital ratio | 17.9528% | 2,073 |
| Total risk-based capital ratio | 19.2070% | 2,028 |
| Memoranda: | ||
| Average total assets | $1,001,696,000 | 695 |
| Average earning assets | $938,626,670 | 682 |
| Average equity | $97,640,000 | 797 |
| Average total loans | $445,685,670 | 1,038 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2125% | 5,625 |
| Cost of funding earning assets | 0.1990% | 5,520 |
| Net interest margin | 3.0134% | 5,182 |
| Noninterest income to average assets | 0.6927% | 2,194 |
| Noninterest expense to average assets | 2.5008% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6810% | 3,888 |
| Return on assets (ROA) | 0.6810% | 4,015 |
| Pretax return on assets | 1.0113% | 3,451 |
| Return on Equity (ROE) | 6.9487% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.9487% | 2,035 |
| Net charge-offs to loans | 0.0888% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.4898% | 1,264 |
| Efficiency ratio | 71.2046% | 3,295 |
| Assets per employee ($millions) | 4.0554% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 1,044 |
| Loan loss allowance to noncurrent loans | 99.9216% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 1,525 |
| Noncurrent loans to loans | 2.0180% | 1,291 |
| Net loans and leases to total assets | 43.6294% | 5,377 |
| Net loans and leases to deposits | 53.1808% | 5,257 |
| Net loans and leases to core deposits | 60.6511% | 4,945 |
| Total domestic deposits to total assets | 82.0398% | 4,499 |
| Equity capital to assets | 9.8716% | 4,296 |
| Core capital (leverage) ratio | 9.8165% | 3,864 |
| Tier 1 risk-based capital ratio | 18.0615% | 2,119 |
| Total risk-based capital ratio | 19.3165% | 2,070 |
| Memoranda: | ||
| Average total assets | $987,996,000 | 704 |
| Average earning assets | $924,394,500 | 690 |
| Average equity | $96,824,000 | 801 |
| Average total loans | $441,670,000 | 1,047 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 5,746 |
| Cost of funding earning assets | 0.2218% | 5,581 |
| Net interest margin | 3.0487% | 5,318 |
| Noninterest income to average assets | 0.5484% | 3,184 |
| Noninterest expense to average assets | 2.3812% | 4,894 |
| Loan and lease loss provision to assets | 0.1278% | 2,052 |
| Net operating income to assets | 0.6142% | 4,304 |
| Return on assets (ROA) | 0.6380% | 4,302 |
| Pretax return on assets | 0.9320% | 3,773 |
| Return on Equity (ROE) | 6.5461% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.3222% | 3,863 |
| Net charge-offs to loans | 0.5201% | 785 |
| Credit loss provision to net charge-offs | 54.6978% | 3,384 |
| Earnings coverage of net charge-offs (x) | 4.3855% | 3,668 |
| Efficiency ratio | 69.9101% | 3,545 |
| Assets per employee ($millions) | 4.0263% | 3,896 |
| Cash dividends to net income (ytd only)* | 49.2487% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 1,031 |
| Loan loss allowance to noncurrent loans | 94.6181% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 1,487 |
| Noncurrent loans to loans | 2.1618% | 1,246 |
| Net loans and leases to total assets | 43.9639% | 5,468 |
| Net loans and leases to deposits | 53.7664% | 5,344 |
| Net loans and leases to core deposits | 61.4329% | 5,046 |
| Total domestic deposits to total assets | 81.7684% | 4,498 |
| Equity capital to assets | 9.7276% | 4,431 |
| Core capital (leverage) ratio | 9.4855% | 4,264 |
| Tier 1 risk-based capital ratio | 18.0979% | 2,105 |
| Total risk-based capital ratio | 19.3537% | 2,067 |
| Memoranda: | ||
| Average total assets | $970,050,400 | 694 |
| Average earning assets | $909,266,600 | 675 |
| Average equity | $94,545,400 | 779 |
| Average total loans | $435,918,600 | 1,011 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,826 |
| Cost of funding earning assets | 0.2233% | 5,639 |
| Net interest margin | 3.0367% | 5,414 |
| Noninterest income to average assets | 0.5427% | 3,246 |
| Noninterest expense to average assets | 2.3652% | 4,926 |
| Loan and lease loss provision to assets | 0.1710% | 1,440 |
| Net operating income to assets | 0.5823% | 4,524 |
| Return on assets (ROA) | 0.5823% | 4,610 |
| Pretax return on assets | 0.8548% | 4,163 |
| Return on Equity (ROE) | 5.9715% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.9715% | 2,431 |
| Net charge-offs to loans | 0.6353% | 565 |
| Credit loss provision to net charge-offs | 59.8745% | 2,937 |
| Earnings coverage of net charge-offs (x) | 3.5920% | 3,631 |
| Efficiency ratio | 69.7503% | 3,554 |
| Assets per employee ($millions) | 4.1020% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1183% | 1,061 |
| Loan loss allowance to noncurrent loans | 94.4063% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8042% | 1,644 |
| Noncurrent loans to loans | 2.2438% | 1,348 |
| Net loans and leases to total assets | 42.1966% | 5,653 |
| Net loans and leases to deposits | 52.0711% | 5,525 |
| Net loans and leases to core deposits | 59.3624% | 5,236 |
| Total domestic deposits to total assets | 81.0366% | 4,814 |
| Equity capital to assets | 9.5809% | 4,693 |
| Core capital (leverage) ratio | 9.6943% | 4,084 |
| Tier 1 risk-based capital ratio | 18.4301% | 2,076 |
| Total risk-based capital ratio | 19.6865% | 2,040 |
| Memoranda: | ||
| Average total assets | $966,958,250 | 694 |
| Average earning assets | $906,915,000 | 673 |
| Average equity | $94,290,250 | 780 |
| Average total loans | $434,666,000 | 1,015 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2871% | 5,813 |
| Cost of funding earning assets | 0.2271% | 5,685 |
| Net interest margin | 3.0600% | 5,371 |
| Noninterest income to average assets | 0.5264% | 3,294 |
| Noninterest expense to average assets | 2.3775% | 4,946 |
| Loan and lease loss provision to assets | 0.2145% | 1,097 |
| Net operating income to assets | 0.5488% | 4,609 |
| Return on assets (ROA) | 0.5488% | 4,709 |
| Pretax return on assets | 0.7997% | 4,267 |
| Return on Equity (ROE) | 5.5940% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.5940% | 2,584 |
| Net charge-offs to loans | 0.6968% | 548 |
| Credit loss provision to net charge-offs | 67.5033% | 2,512 |
| Earnings coverage of net charge-offs (x) | 3.1915% | 3,370 |
| Efficiency ratio | 70.0990% | 3,642 |
| Assets per employee ($millions) | 3.9548% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1870% | 1,050 |
| Loan loss allowance to noncurrent loans | 85.5174% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.0989% | 1,495 |
| Noncurrent loans to loans | 2.5573% | 1,211 |
| Net loans and leases to total assets | 44.4644% | 5,503 |
| Net loans and leases to deposits | 53.3577% | 5,398 |
| Net loans and leases to core deposits | 60.5498% | 5,101 |
| Total domestic deposits to total assets | 83.3327% | 4,178 |
| Equity capital to assets | 9.9021% | 4,245 |
| Core capital (leverage) ratio | 9.9044% | 3,736 |
| Tier 1 risk-based capital ratio | 18.3478% | 2,114 |
| Total risk-based capital ratio | 19.6053% | 2,075 |
| Memoranda: | ||
| Average total assets | $952,914,330 | 705 |
| Average earning assets | $892,276,000 | 683 |
| Average equity | $93,493,670 | 781 |
| Average total loans | $434,549,000 | 1,015 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 5,899 |
| Cost of funding earning assets | 0.2308% | 5,745 |
| Net interest margin | 3.0387% | 5,417 |
| Noninterest income to average assets | 0.5274% | 3,214 |
| Noninterest expense to average assets | 2.3561% | 5,050 |
| Loan and lease loss provision to assets | 0.1682% | 1,437 |
| Net operating income to assets | 0.5851% | 4,261 |
| Return on assets (ROA) | 0.5851% | 4,335 |
| Pretax return on assets | 0.8553% | 3,880 |
| Return on Equity (ROE) | 5.9918% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.9918% | 2,548 |
| Net charge-offs to loans | 0.6987% | 521 |
| Credit loss provision to net charge-offs | 52.7081% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.2074% | 2,722 |
| Efficiency ratio | 69.7144% | 3,878 |
| Assets per employee ($millions) | 4.0255% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2494% | 1,099 |
| Loan loss allowance to noncurrent loans | 69.0324% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.3050% | 1,421 |
| Noncurrent loans to loans | 3.2585% | 942 |
| Net loans and leases to total assets | 43.7579% | 5,530 |
| Net loans and leases to deposits | 53.0035% | 5,383 |
| Net loans and leases to core deposits | 60.7208% | 4,976 |
| Total domestic deposits to total assets | 82.5566% | 4,769 |
| Equity capital to assets | 9.7130% | 4,209 |
| Core capital (leverage) ratio | 9.8579% | 3,779 |
| Tier 1 risk-based capital ratio | 18.3105% | 2,175 |
| Total risk-based capital ratio | 19.5684% | 2,137 |
| Memoranda: | ||
| Average total assets | $948,868,000 | 715 |
| Average earning assets | $890,653,000 | 690 |
| Average equity | $92,660,500 | 787 |
| Average total loans | $433,393,500 | 1,019 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 5,857 |
| Cost of funding earning assets | 0.2909% | 5,667 |
| Net interest margin | 3.0998% | 5,315 |
| Noninterest income to average assets | 0.5946% | 3,125 |
| Noninterest expense to average assets | 2.4980% | 4,767 |
| Loan and lease loss provision to assets | 0.2790% | 1,239 |
| Net operating income to assets | 0.5122% | 4,677 |
| Return on assets (ROA) | 0.5122% | 4,810 |
| Pretax return on assets | 0.7251% | 4,439 |
| Return on Equity (ROE) | 5.3067% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.0307% | 4,076 |
| Net charge-offs to loans | 0.8885% | 688 |
| Credit loss provision to net charge-offs | 66.7087% | 3,388 |
| Earnings coverage of net charge-offs (x) | 2.4008% | 4,206 |
| Efficiency ratio | 71.3278% | 3,603 |
| Assets per employee ($millions) | 3.8503% | 4,158 |
| Cash dividends to net income (ytd only)* | 42.8895% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3036% | 1,037 |
| Loan loss allowance to noncurrent loans | 58.9831% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.4721% | 1,395 |
| Noncurrent loans to loans | 3.9055% | 752 |
| Net loans and leases to total assets | 45.5367% | 5,531 |
| Net loans and leases to deposits | 54.8881% | 5,392 |
| Net loans and leases to core deposits | 63.1798% | 4,953 |
| Total domestic deposits to total assets | 82.9629% | 4,556 |
| Equity capital to assets | 9.8192% | 4,008 |
| Core capital (leverage) ratio | 9.6222% | 4,087 |
| Tier 1 risk-based capital ratio | 18.0585% | 2,231 |
| Total risk-based capital ratio | 19.3174% | 2,193 |
| Memoranda: | ||
| Average total assets | $947,290,400 | 699 |
| Average earning assets | $888,520,000 | 672 |
| Average equity | $91,432,400 | 770 |
| Average total loans | $445,939,400 | 958 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 5,888 |
| Cost of funding earning assets | 0.3034% | 5,701 |
| Net interest margin | 3.0904% | 5,344 |
| Noninterest income to average assets | 0.5916% | 3,204 |
| Noninterest expense to average assets | 2.4988% | 4,728 |
| Loan and lease loss provision to assets | 0.3174% | 1,060 |
| Net operating income to assets | 0.4647% | 4,954 |
| Return on assets (ROA) | 0.4647% | 5,102 |
| Pretax return on assets | 0.6723% | 4,783 |
| Return on Equity (ROE) | 4.8355% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.8355% | 3,208 |
| Net charge-offs to loans | 0.9848% | 584 |
| Credit loss provision to net charge-offs | 68.2971% | 3,099 |
| Earnings coverage of net charge-offs (x) | 2.1295% | 4,129 |
| Efficiency ratio | 71.6303% | 3,475 |
| Assets per employee ($millions) | 3.9958% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3607% | 1,094 |
| Loan loss allowance to noncurrent loans | 62.1648% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.4980% | 1,540 |
| Noncurrent loans to loans | 3.7975% | 954 |
| Net loans and leases to total assets | 44.4877% | 5,686 |
| Net loans and leases to deposits | 53.7647% | 5,560 |
| Net loans and leases to core deposits | 61.9119% | 5,127 |
| Total domestic deposits to total assets | 82.7452% | 4,663 |
| Equity capital to assets | 9.6433% | 4,364 |
| Core capital (leverage) ratio | 9.5677% | 4,301 |
| Tier 1 risk-based capital ratio | 18.0327% | 2,312 |
| Total risk-based capital ratio | 19.2920% | 2,272 |
| Memoranda: | ||
| Average total assets | $950,204,500 | 699 |
| Average earning assets | $890,702,750 | 672 |
| Average equity | $91,322,500 | 777 |
| Average total loans | $448,398,500 | 958 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4006% | 5,908 |
| Cost of funding earning assets | 0.3210% | 5,658 |
| Net interest margin | 3.0796% | 5,333 |
| Noninterest income to average assets | 0.5278% | 3,648 |
| Noninterest expense to average assets | 2.5032% | 4,711 |
| Loan and lease loss provision to assets | 0.3376% | 1,008 |
| Net operating income to assets | 0.4041% | 5,200 |
| Return on assets (ROA) | 0.4041% | 5,368 |
| Pretax return on assets | 0.5734% | 5,119 |
| Return on Equity (ROE) | 4.2095% | 5,132 |
| Retained earnings to average equity (ytd only) | 4.2095% | 3,615 |
| Net charge-offs to loans | 1.0349% | 584 |
| Credit loss provision to net charge-offs | 68.3333% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.8440% | 3,913 |
| Efficiency ratio | 73.3164% | 3,257 |
| Assets per employee ($millions) | 3.9407% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,110 |
| Loan loss allowance to noncurrent loans | 58.5441% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 2.5934% | 1,621 |
| Noncurrent loans to loans | 4.0728% | 945 |
| Net loans and leases to total assets | 45.6085% | 5,579 |
| Net loans and leases to deposits | 55.5152% | 5,386 |
| Net loans and leases to core deposits | 63.9560% | 4,899 |
| Total domestic deposits to total assets | 82.1550% | 5,003 |
| Equity capital to assets | 9.5209% | 4,557 |
| Core capital (leverage) ratio | 9.6055% | 4,070 |
| Tier 1 risk-based capital ratio | 17.5144% | 2,510 |
| Total risk-based capital ratio | 18.7741% | 2,475 |
| Memoranda: | ||
| Average total assets | $947,274,330 | 699 |
| Average earning assets | $887,842,000 | 674 |
| Average equity | $90,937,000 | 779 |
| Average total loans | $452,214,670 | 941 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 5,918 |
| Cost of funding earning assets | 0.3442% | 5,602 |
| Net interest margin | 3.0673% | 5,377 |
| Noninterest income to average assets | 0.4589% | 4,061 |
| Noninterest expense to average assets | 2.4849% | 4,808 |
| Loan and lease loss provision to assets | 0.5995% | 423 |
| Net operating income to assets | 0.2013% | 5,887 |
| Return on assets (ROA) | 0.2013% | 5,996 |
| Pretax return on assets | 0.2479% | 5,966 |
| Return on Equity (ROE) | 2.0877% | 5,912 |
| Retained earnings to average equity (ytd only) | 2.0877% | 4,963 |
| Net charge-offs to loans | 1.5841% | 334 |
| Credit loss provision to net charge-offs | 78.4368% | 2,176 |
| Earnings coverage of net charge-offs (x) | 1.1086% | 3,469 |
| Efficiency ratio | 74.5709% | 3,161 |
| Assets per employee ($millions) | 3.8341% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4367% | 1,198 |
| Loan loss allowance to noncurrent loans | 52.6402% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 3.0306% | 1,478 |
| Noncurrent loans to loans | 4.6290% | 880 |
| Net loans and leases to total assets | 46.5943% | 5,373 |
| Net loans and leases to deposits | 56.8126% | 5,161 |
| Net loans and leases to core deposits | 65.5663% | 4,582 |
| Total domestic deposits to total assets | 82.0139% | 5,183 |
| Equity capital to assets | 9.6643% | 4,619 |
| Core capital (leverage) ratio | 9.5354% | 4,021 |
| Tier 1 risk-based capital ratio | 17.2184% | 2,671 |
| Total risk-based capital ratio | 18.4790% | 2,635 |
| Memoranda: | ||
| Average total assets | $944,091,500 | 712 |
| Average earning assets | $884,439,000 | 684 |
| Average equity | $91,008,000 | 784 |
| Average total loans | $455,539,500 | 929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 5,956 |
| Cost of funding earning assets | 0.4462% | 5,610 |
| Net interest margin | 3.2995% | 5,246 |
| Noninterest income to average assets | 0.5406% | 3,643 |
| Noninterest expense to average assets | 2.5580% | 4,902 |
| Loan and lease loss provision to assets | 0.5066% | 1,162 |
| Net operating income to assets | 0.3779% | 5,190 |
| Return on assets (ROA) | 0.4463% | 5,147 |
| Pretax return on assets | 0.6346% | 4,868 |
| Return on Equity (ROE) | 4.6404% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.2752% | 4,638 |
| Net charge-offs to loans | 1.2258% | 820 |
| Credit loss provision to net charge-offs | 82.4665% | 3,746 |
| Earnings coverage of net charge-offs (x) | 1.6986% | 4,586 |
| Efficiency ratio | 71.0280% | 3,620 |
| Assets per employee ($millions) | 3.9050% | 4,143 |
| Cash dividends to net income (ytd only)* | 50.9696% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4672% | 1,161 |
| Loan loss allowance to noncurrent loans | 53.5000% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.0834% | 1,524 |
| Noncurrent loans to loans | 4.6117% | 914 |
| Net loans and leases to total assets | 47.5416% | 5,458 |
| Net loans and leases to deposits | 58.7403% | 5,159 |
| Net loans and leases to core deposits | 67.5142% | 4,590 |
| Total domestic deposits to total assets | 80.9353% | 5,426 |
| Equity capital to assets | 9.6152% | 4,720 |
| Core capital (leverage) ratio | 9.4333% | 4,208 |
| Tier 1 risk-based capital ratio | 16.9412% | 2,684 |
| Total risk-based capital ratio | 18.2023% | 2,639 |
| Memoranda: | ||
| Average total assets | $935,895,000 | 704 |
| Average earning assets | $868,204,000 | 686 |
| Average equity | $90,014,200 | 775 |
| Average total loans | $468,995,600 | 875 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 6,091 |
| Cost of funding earning assets | 0.4622% | 5,706 |
| Net interest margin | 3.3067% | 5,367 |
| Noninterest income to average assets | 0.5298% | 3,749 |
| Noninterest expense to average assets | 2.5724% | 4,837 |
| Loan and lease loss provision to assets | 0.5845% | 968 |
| Net operating income to assets | 0.3190% | 5,549 |
| Return on assets (ROA) | 0.3655% | 5,588 |
| Pretax return on assets | 0.4984% | 5,470 |
| Return on Equity (ROE) | 3.7994% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.2248% | 4,597 |
| Net charge-offs to loans | 1.4168% | 630 |
| Credit loss provision to net charge-offs | 81.7619% | 3,572 |
| Earnings coverage of net charge-offs (x) | 1.4257% | 4,575 |
| Efficiency ratio | 71.6223% | 3,393 |
| Assets per employee ($millions) | 3.9659% | 3,941 |
| Cash dividends to net income (ytd only)* | 15.1232% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 1,234 |
| Loan loss allowance to noncurrent loans | 49.2755% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.3216% | 1,531 |
| Noncurrent loans to loans | 5.0269% | 895 |
| Net loans and leases to total assets | 47.2072% | 5,638 |
| Net loans and leases to deposits | 58.3791% | 5,389 |
| Net loans and leases to core deposits | 67.5458% | 4,771 |
| Total domestic deposits to total assets | 80.8632% | 5,404 |
| Equity capital to assets | 9.5637% | 5,120 |
| Core capital (leverage) ratio | 9.4486% | 4,357 |
| Tier 1 risk-based capital ratio | 16.9052% | 2,781 |
| Total risk-based capital ratio | 18.1666% | 2,738 |
| Memoranda: | ||
| Average total assets | $933,618,000 | 710 |
| Average earning assets | $864,494,500 | 694 |
| Average equity | $89,801,750 | 779 |
| Average total loans | $471,085,750 | 877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8236% | 6,083 |
| Cost of funding earning assets | 0.4811% | 5,748 |
| Net interest margin | 3.3425% | 5,296 |
| Noninterest income to average assets | 0.4992% | 3,925 |
| Noninterest expense to average assets | 2.5581% | 4,928 |
| Loan and lease loss provision to assets | 0.7076% | 764 |
| Net operating income to assets | 0.2443% | 5,780 |
| Return on assets (ROA) | 0.3166% | 5,766 |
| Pretax return on assets | 0.4200% | 5,660 |
| Return on Equity (ROE) | 3.2845% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.4175% | 4,984 |
| Net charge-offs to loans | 1.2994% | 819 |
| Credit loss provision to net charge-offs | 106.4307% | 2,557 |
| Earnings coverage of net charge-offs (x) | 1.5512% | 4,217 |
| Efficiency ratio | 71.2687% | 3,555 |
| Assets per employee ($millions) | 3.8422% | 4,214 |
| Cash dividends to net income (ytd only)* | 26.3984% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6863% | 1,053 |
| Loan loss allowance to noncurrent loans | 50.4151% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.5553% | 1,495 |
| Noncurrent loans to loans | 5.3284% | 890 |
| Net loans and leases to total assets | 48.7748% | 5,525 |
| Net loans and leases to deposits | 59.5614% | 5,285 |
| Net loans and leases to core deposits | 68.8112% | 4,695 |
| Total domestic deposits to total assets | 81.8899% | 5,174 |
| Equity capital to assets | 9.6215% | 4,885 |
| Core capital (leverage) ratio | 9.5259% | 4,109 |
| Tier 1 risk-based capital ratio | 16.7520% | 2,784 |
| Total risk-based capital ratio | 18.0161% | 2,735 |
| Memoranda: | ||
| Average total assets | $926,232,670 | 717 |
| Average earning assets | $856,310,000 | 702 |
| Average equity | $89,266,670 | 778 |
| Average total loans | $473,896,330 | 873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 5,984 |
| Cost of funding earning assets | 0.5010% | 5,814 |
| Net interest margin | 3.4135% | 5,064 |
| Noninterest income to average assets | 0.4731% | 4,118 |
| Noninterest expense to average assets | 2.5782% | 4,891 |
| Loan and lease loss provision to assets | 0.9032% | 485 |
| Net operating income to assets | 0.1130% | 6,211 |
| Return on assets (ROA) | 0.2658% | 5,927 |
| Pretax return on assets | 0.3373% | 5,886 |
| Return on Equity (ROE) | 2.7556% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.0159% | 5,666 |
| Net charge-offs to loans | 1.5468% | 650 |
| Credit loss provision to net charge-offs | 112.9610% | 2,088 |
| Earnings coverage of net charge-offs (x) | 1.3097% | 3,679 |
| Efficiency ratio | 71.1159% | 3,600 |
| Assets per employee ($millions) | 3.8461% | 4,331 |
| Cash dividends to net income (ytd only)* | 63.1321% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6851% | 1,131 |
| Loan loss allowance to noncurrent loans | 52.5478% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.5737% | 1,602 |
| Noncurrent loans to loans | 5.1098% | 1,086 |
| Net loans and leases to total assets | 49.1097% | 5,417 |
| Net loans and leases to deposits | 61.1237% | 5,026 |
| Net loans and leases to core deposits | 70.9650% | 4,296 |
| Total domestic deposits to total assets | 80.3448% | 5,765 |
| Equity capital to assets | 9.5443% | 4,732 |
| Core capital (leverage) ratio | 9.4434% | 4,130 |
| Tier 1 risk-based capital ratio | 16.7849% | 2,766 |
| Total risk-based capital ratio | 18.0493% | 2,717 |
| Memoranda: | ||
| Average total assets | $922,520,000 | 721 |
| Average earning assets | $851,914,000 | 704 |
| Average equity | $88,984,000 | 782 |
| Average total loans | $476,864,000 | 863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 6,125 |
| Cost of funding earning assets | 0.6461% | 5,850 |
| Net interest margin | 3.5304% | 5,021 |
| Noninterest income to average assets | 0.5141% | 3,754 |
| Noninterest expense to average assets | 2.5535% | 5,272 |
| Loan and lease loss provision to assets | 1.0684% | 858 |
| Net operating income to assets | 0.1414% | 5,764 |
| Return on assets (ROA) | 0.1414% | 5,896 |
| Pretax return on assets | 0.1548% | 5,877 |
| Return on Equity (ROE) | 1.4920% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.0509% | 5,364 |
| Net charge-offs to loans | 1.7934% | 823 |
| Credit loss provision to net charge-offs | 108.1601% | 3,120 |
| Earnings coverage of net charge-offs (x) | 1.2384% | 4,848 |
| Efficiency ratio | 67.6117% | 4,439 |
| Assets per employee ($millions) | 3.7166% | 4,519 |
| Cash dividends to net income (ytd only)* | 29.5646% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5563% | 1,240 |
| Loan loss allowance to noncurrent loans | 49.3853% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.7316% | 1,563 |
| Noncurrent loans to loans | 5.1762% | 1,065 |
| Net loans and leases to total assets | 51.5870% | 5,377 |
| Net loans and leases to deposits | 64.3163% | 4,967 |
| Net loans and leases to core deposits | 74.7465% | 4,141 |
| Total domestic deposits to total assets | 80.2082% | 5,683 |
| Equity capital to assets | 9.7490% | 4,516 |
| Core capital (leverage) ratio | 9.3920% | 4,194 |
| Tier 1 risk-based capital ratio | 16.3749% | 2,875 |
| Total risk-based capital ratio | 17.6382% | 2,840 |
| Memoranda: | ||
| Average total assets | $925,510,800 | 702 |
| Average earning assets | $855,318,200 | 685 |
| Average equity | $87,736,000 | 765 |
| Average total loans | $509,770,600 | 817 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 6,184 |
| Cost of funding earning assets | 0.6777% | 5,891 |
| Net interest margin | 3.5324% | 5,050 |
| Noninterest income to average assets | 0.5262% | 3,682 |
| Noninterest expense to average assets | 2.5936% | 5,101 |
| Loan and lease loss provision to assets | 1.0733% | 774 |
| Net operating income to assets | 0.1238% | 5,905 |
| Return on assets (ROA) | 0.1238% | 6,021 |
| Pretax return on assets | 0.1248% | 6,052 |
| Return on Equity (ROE) | 1.3152% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.7247% | 5,724 |
| Net charge-offs to loans | 1.8013% | 740 |
| Credit loss provision to net charge-offs | 107.1551% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.1962% | 4,730 |
| Efficiency ratio | 68.4015% | 4,237 |
| Assets per employee ($millions) | 3.8613% | 4,165 |
| Cash dividends to net income (ytd only)* | 44.8960% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4546% | 1,459 |
| Loan loss allowance to noncurrent loans | 51.3248% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.3986% | 1,863 |
| Noncurrent loans to loans | 4.7825% | 1,346 |
| Net loans and leases to total assets | 50.9385% | 5,590 |
| Net loans and leases to deposits | 63.7292% | 5,207 |
| Net loans and leases to core deposits | 74.1619% | 4,427 |
| Total domestic deposits to total assets | 79.9295% | 5,758 |
| Equity capital to assets | 9.3921% | 5,248 |
| Core capital (leverage) ratio | 9.2652% | 4,518 |
| Tier 1 risk-based capital ratio | 16.1068% | 3,061 |
| Total risk-based capital ratio | 17.3692% | 3,018 |
| Memoranda: | ||
| Average total assets | $928,318,750 | 710 |
| Average earning assets | $858,168,500 | 694 |
| Average equity | $87,386,750 | 776 |
| Average total loans | $516,207,750 | 820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 6,098 |
| Cost of funding earning assets | 0.7199% | 5,830 |
| Net interest margin | 3.5529% | 4,909 |
| Noninterest income to average assets | 0.5095% | 3,782 |
| Noninterest expense to average assets | 2.5611% | 5,321 |
| Loan and lease loss provision to assets | 1.1225% | 719 |
| Net operating income to assets | 0.1099% | 5,991 |
| Return on assets (ROA) | 0.1099% | 6,073 |
| Pretax return on assets | 0.1121% | 6,086 |
| Return on Equity (ROE) | 1.1669% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.2762% | 5,728 |
| Net charge-offs to loans | 1.7803% | 793 |
| Credit loss provision to net charge-offs | 111.0706% | 2,760 |
| Earnings coverage of net charge-offs (x) | 1.2216% | 4,372 |
| Efficiency ratio | 67.4740% | 4,610 |
| Assets per employee ($millions) | 3.6999% | 4,446 |
| Cash dividends to net income (ytd only)* | 76.3314% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3676% | 1,641 |
| Loan loss allowance to noncurrent loans | 45.9423% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 3.6742% | 1,775 |
| Noncurrent loans to loans | 5.1534% | 1,253 |
| Net loans and leases to total assets | 54.7933% | 5,180 |
| Net loans and leases to deposits | 67.8720% | 4,727 |
| Net loans and leases to core deposits | 79.6623% | 3,835 |
| Total domestic deposits to total assets | 80.7302% | 5,614 |
| Equity capital to assets | 9.6128% | 4,646 |
| Core capital (leverage) ratio | 9.3261% | 4,213 |
| Tier 1 risk-based capital ratio | 15.8823% | 3,039 |
| Total risk-based capital ratio | 17.1444% | 3,009 |
| Memoranda: | ||
| Average total assets | $922,418,330 | 723 |
| Average earning assets | $853,163,330 | 707 |
| Average equity | $86,898,670 | 774 |
| Average total loans | $523,605,670 | 820 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 6,153 |
| Cost of funding earning assets | 0.7681% | 5,763 |
| Net interest margin | 3.4801% | 5,098 |
| Noninterest income to average assets | 0.5370% | 3,602 |
| Noninterest expense to average assets | 2.6119% | 5,175 |
| Loan and lease loss provision to assets | 0.9116% | 876 |
| Net operating income to assets | 0.1917% | 5,808 |
| Return on assets (ROA) | 0.1917% | 5,869 |
| Pretax return on assets | 0.2365% | 5,849 |
| Return on Equity (ROE) | 2.0550% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.2638% | 5,702 |
| Net charge-offs to loans | 1.4640% | 928 |
| Credit loss provision to net charge-offs | 109.0909% | 2,445 |
| Earnings coverage of net charge-offs (x) | 1.3740% | 3,661 |
| Efficiency ratio | 69.4639% | 4,385 |
| Assets per employee ($millions) | 3.8440% | 4,202 |
| Cash dividends to net income (ytd only)* | 87.1622% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2536% | 1,852 |
| Loan loss allowance to noncurrent loans | 42.4202% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 3.6388% | 1,868 |
| Noncurrent loans to loans | 5.3125% | 1,241 |
| Net loans and leases to total assets | 54.3587% | 5,251 |
| Net loans and leases to deposits | 69.4011% | 4,448 |
| Net loans and leases to core deposits | 81.9724% | 3,457 |
| Total domestic deposits to total assets | 78.3255% | 6,330 |
| Equity capital to assets | 9.2002% | 4,874 |
| Core capital (leverage) ratio | 9.3056% | 4,116 |
| Tier 1 risk-based capital ratio | 15.4910% | 3,166 |
| Total risk-based capital ratio | 16.7517% | 3,111 |
| Memoranda: | ||
| Average total assets | $926,689,000 | 726 |
| Average earning assets | $858,254,500 | 707 |
| Average equity | $86,423,500 | 771 |
| Average total loans | $528,965,500 | 818 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 5,955 |
| Cost of funding earning assets | 1.1195% | 5,026 |
| Net interest margin | 3.5304% | 5,108 |
| Noninterest income to average assets | 0.6672% | 3,039 |
| Noninterest expense to average assets | 2.4770% | 5,870 |
| Loan and lease loss provision to assets | 1.4428% | 1,030 |
| Net operating income to assets | 0.0144% | 5,792 |
| Return on assets (ROA) | 0.1246% | 5,669 |
| Pretax return on assets | 0.1293% | 5,644 |
| Return on Equity (ROE) | 1.3416% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.3416% | 4,873 |
| Net charge-offs to loans | 1.9529% | 1,044 |
| Credit loss provision to net charge-offs | 122.7731% | 3,398 |
| Earnings coverage of net charge-offs (x) | 1.2401% | 4,860 |
| Efficiency ratio | 62.9585% | 5,522 |
| Assets per employee ($millions) | 3.6610% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 1,914 |
| Loan loss allowance to noncurrent loans | 43.4719% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 3.5347% | 1,955 |
| Noncurrent loans to loans | 5.0069% | 1,340 |
| Net loans and leases to total assets | 57.3237% | 5,135 |
| Net loans and leases to deposits | 72.7195% | 4,391 |
| Net loans and leases to core deposits | 85.3113% | 3,427 |
| Total domestic deposits to total assets | 78.8284% | 6,125 |
| Equity capital to assets | 9.4561% | 4,460 |
| Core capital (leverage) ratio | 9.1915% | 4,183 |
| Tier 1 risk-based capital ratio | 15.3341% | 3,080 |
| Total risk-based capital ratio | 16.5942% | 3,032 |
| Memoranda: | ||
| Average total assets | $928,534,600 | 727 |
| Average earning assets | $859,316,400 | 702 |
| Average equity | $86,242,800 | 773 |
| Average total loans | $558,745,800 | 805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 6,000 |
| Cost of funding earning assets | 1.1741% | 5,014 |
| Net interest margin | 3.5305% | 5,181 |
| Noninterest income to average assets | 0.6435% | 3,165 |
| Noninterest expense to average assets | 2.4882% | 5,753 |
| Loan and lease loss provision to assets | 1.7078% | 744 |
| Net operating income to assets | -0.1433% | 6,234 |
| Return on assets (ROA) | -0.0457% | 6,203 |
| Pretax return on assets | -0.1335% | 6,259 |
| Return on Equity (ROE) | -0.4947% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.4947% | 5,915 |
| Net charge-offs to loans | 2.0438% | 918 |
| Credit loss provision to net charge-offs | 137.9836% | 2,891 |
| Earnings coverage of net charge-offs (x) | 1.1489% | 4,913 |
| Efficiency ratio | 63.6337% | 5,313 |
| Assets per employee ($millions) | 3.8167% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 1,670 |
| Loan loss allowance to noncurrent loans | 48.5396% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.2784% | 2,180 |
| Noncurrent loans to loans | 4.6730% | 1,521 |
| Net loans and leases to total assets | 56.8148% | 5,439 |
| Net loans and leases to deposits | 72.2057% | 4,811 |
| Net loans and leases to core deposits | 85.3977% | 3,748 |
| Total domestic deposits to total assets | 78.6847% | 6,094 |
| Equity capital to assets | 9.1310% | 5,409 |
| Core capital (leverage) ratio | 8.8867% | 4,865 |
| Tier 1 risk-based capital ratio | 14.7872% | 3,348 |
| Total risk-based capital ratio | 16.0484% | 3,324 |
| Memoranda: | ||
| Average total assets | $932,769,750 | 720 |
| Average earning assets | $863,045,750 | 696 |
| Average equity | $86,253,250 | 772 |
| Average total loans | $564,885,750 | 801 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 5,900 |
| Cost of funding earning assets | 1.2222% | 5,004 |
| Net interest margin | 3.5467% | 5,062 |
| Noninterest income to average assets | 0.6451% | 3,033 |
| Noninterest expense to average assets | 2.4509% | 5,909 |
| Loan and lease loss provision to assets | 1.6287% | 793 |
| Net operating income to assets | -0.0555% | 6,159 |
| Return on assets (ROA) | -0.0340% | 6,215 |
| Pretax return on assets | -0.1194% | 6,265 |
| Return on Equity (ROE) | -0.3661% | 6,226 |
| Retained earnings to average equity (ytd only) | -0.3661% | 5,809 |
| Net charge-offs to loans | 1.8247% | 1,017 |
| Credit loss provision to net charge-offs | 145.4179% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.3176% | 4,510 |
| Efficiency ratio | 62.4178% | 5,623 |
| Assets per employee ($millions) | 3.7237% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 2,094 |
| Loan loss allowance to noncurrent loans | 52.8113% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.6762% | 2,698 |
| Noncurrent loans to loans | 3.8629% | 1,982 |
| Net loans and leases to total assets | 59.1133% | 5,226 |
| Net loans and leases to deposits | 75.4475% | 4,430 |
| Net loans and leases to core deposits | 90.1361% | 3,235 |
| Total domestic deposits to total assets | 78.3502% | 6,190 |
| Equity capital to assets | 9.2544% | 5,066 |
| Core capital (leverage) ratio | 9.0541% | 4,517 |
| Tier 1 risk-based capital ratio | 14.6271% | 3,367 |
| Total risk-based capital ratio | 15.8861% | 3,338 |
| Memoranda: | ||
| Average total assets | $929,449,670 | 714 |
| Average earning assets | $859,944,330 | 701 |
| Average equity | $86,310,670 | 758 |
| Average total loans | $570,500,670 | 800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 5,706 |
| Cost of funding earning assets | 1.2696% | 5,005 |
| Net interest margin | 3.5747% | 4,836 |
| Noninterest income to average assets | 0.6094% | 3,216 |
| Noninterest expense to average assets | 2.3818% | 6,155 |
| Loan and lease loss provision to assets | 1.6240% | 712 |
| Net operating income to assets | 0.0104% | 6,260 |
| Return on assets (ROA) | 0.0104% | 6,369 |
| Pretax return on assets | -0.0876% | 6,453 |
| Return on Equity (ROE) | 0.1113% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.1113% | 5,777 |
| Net charge-offs to loans | 1.8092% | 960 |
| Credit loss provision to net charge-offs | 145.0096% | 2,456 |
| Earnings coverage of net charge-offs (x) | 1.3719% | 3,923 |
| Efficiency ratio | 60.7886% | 6,035 |
| Assets per employee ($millions) | 3.7433% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 2,682 |
| Loan loss allowance to noncurrent loans | 73.1361% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7685% | 3,834 |
| Noncurrent loans to loans | 2.4832% | 3,187 |
| Net loans and leases to total assets | 59.8009% | 5,150 |
| Net loans and leases to deposits | 76.7401% | 4,275 |
| Net loans and leases to core deposits | 93.4613% | 2,910 |
| Total domestic deposits to total assets | 77.9265% | 6,332 |
| Equity capital to assets | 9.2537% | 4,910 |
| Core capital (leverage) ratio | 9.1349% | 4,318 |
| Tier 1 risk-based capital ratio | 14.5388% | 3,355 |
| Total risk-based capital ratio | 15.7950% | 3,319 |
| Memoranda: | ||
| Average total assets | $926,853,000 | 736 |
| Average earning assets | $857,924,000 | 715 |
| Average equity | $86,218,000 | 767 |
| Average total loans | $573,749,000 | 815 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 5,513 |
| Cost of funding earning assets | 1.4423% | 5,754 |
| Net interest margin | 3.7868% | 3,766 |
| Noninterest income to average assets | 0.7257% | 2,814 |
| Noninterest expense to average assets | 2.6557% | 5,573 |
| Loan and lease loss provision to assets | 0.9716% | 2,323 |
| Net operating income to assets | 0.4493% | 3,929 |
| Return on assets (ROA) | 0.5736% | 3,505 |
| Pretax return on assets | 0.8083% | 3,218 |
| Return on Equity (ROE) | 6.0250% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.3158% | 2,850 |
| Net charge-offs to loans | 1.1316% | 2,164 |
| Credit loss provision to net charge-offs | 130.6257% | 3,895 |
| Earnings coverage of net charge-offs (x) | 2.1575% | 4,104 |
| Efficiency ratio | 62.3322% | 6,097 |
| Assets per employee ($millions) | 3.6573% | 4,630 |
| Cash dividends to net income (ytd only)* | 44.9651% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 3,367 |
| Loan loss allowance to noncurrent loans | 67.0333% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.6558% | 3,888 |
| Noncurrent loans to loans | 2.3522% | 3,225 |
| Net loans and leases to total assets | 61.9181% | 5,004 |
| Net loans and leases to deposits | 80.4247% | 3,904 |
| Net loans and leases to core deposits | 118.9986% | 2,034 |
| Total domestic deposits to total assets | 76.9890% | 6,479 |
| Equity capital to assets | 9.3513% | 4,631 |
| Core capital (leverage) ratio | 9.2324% | 4,075 |
| Tier 1 risk-based capital ratio | 14.2978% | 3,323 |
| Total risk-based capital ratio | 15.5513% | 3,269 |
| Memoranda: | ||
| Average total assets | $900,336,200 | 748 |
| Average earning assets | $840,414,600 | 726 |
| Average equity | $85,710,000 | 746 |
| Average total loans | $591,842,600 | 802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2897% | 5,484 |
| Cost of funding earning assets | 1.4845% | 5,887 |
| Net interest margin | 3.8052% | 3,633 |
| Noninterest income to average assets | 0.7338% | 2,803 |
| Noninterest expense to average assets | 2.6192% | 5,648 |
| Loan and lease loss provision to assets | 0.9753% | 1,970 |
| Net operating income to assets | 0.4867% | 4,043 |
| Return on assets (ROA) | 0.6257% | 3,570 |
| Pretax return on assets | 0.9026% | 3,219 |
| Return on Equity (ROE) | 6.5425% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.5425% | 1,690 |
| Net charge-offs to loans | 1.0470% | 1,888 |
| Credit loss provision to net charge-offs | 140.1627% | 3,515 |
| Earnings coverage of net charge-offs (x) | 2.4093% | 4,025 |
| Efficiency ratio | 60.9724% | 6,284 |
| Assets per employee ($millions) | 3.6254% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,292 |
| Loan loss allowance to noncurrent loans | 74.5448% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 4,150 |
| Noncurrent loans to loans | 2.0494% | 3,567 |
| Net loans and leases to total assets | 63.2632% | 5,025 |
| Net loans and leases to deposits | 83.9170% | 3,661 |
| Net loans and leases to core deposits | 119.2934% | 2,310 |
| Total domestic deposits to total assets | 75.3879% | 6,698 |
| Equity capital to assets | 9.6073% | 4,611 |
| Core capital (leverage) ratio | 9.5368% | 3,860 |
| Tier 1 risk-based capital ratio | 14.4973% | 3,281 |
| Total risk-based capital ratio | 15.7503% | 3,220 |
| Memoranda: | ||
| Average total assets | $895,013,500 | 765 |
| Average earning assets | $837,781,500 | 742 |
| Average equity | $85,591,500 | 754 |
| Average total loans | $594,854,250 | 812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3944% | 5,179 |
| Cost of funding earning assets | 1.5476% | 5,934 |
| Net interest margin | 3.8469% | 3,349 |
| Noninterest income to average assets | 0.6805% | 3,115 |
| Noninterest expense to average assets | 2.6766% | 5,467 |
| Loan and lease loss provision to assets | 0.9734% | 1,733 |
| Net operating income to assets | 0.4387% | 4,343 |
| Return on assets (ROA) | 0.6517% | 3,569 |
| Pretax return on assets | 0.9318% | 3,237 |
| Return on Equity (ROE) | 6.8250% | 3,277 |
| Retained earnings to average equity (ytd only) | 6.8250% | 1,655 |
| Net charge-offs to loans | 1.0099% | 1,753 |
| Credit loss provision to net charge-offs | 143.3875% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.3583% | 3,885 |
| Efficiency ratio | 62.5723% | 6,156 |
| Assets per employee ($millions) | 3.4603% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 3,679 |
| Loan loss allowance to noncurrent loans | 125.6169% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 5,172 |
| Noncurrent loans to loans | 1.1212% | 4,978 |
| Net loans and leases to total assets | 65.6129% | 4,645 |
| Net loans and leases to deposits | 86.2502% | 3,504 |
| Net loans and leases to core deposits | 124.2577% | 2,001 |
| Total domestic deposits to total assets | 76.0728% | 6,529 |
| Equity capital to assets | 9.5311% | 4,568 |
| Core capital (leverage) ratio | 9.4943% | 3,894 |
| Tier 1 risk-based capital ratio | 14.0965% | 3,458 |
| Total risk-based capital ratio | 15.3476% | 3,400 |
| Memoranda: | ||
| Average total assets | $888,814,330 | 789 |
| Average earning assets | $831,118,330 | 764 |
| Average equity | $84,864,330 | 776 |
| Average total loans | $597,490,000 | 831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4440% | 5,209 |
| Cost of funding earning assets | 1.6326% | 5,895 |
| Net interest margin | 3.8114% | 3,401 |
| Noninterest income to average assets | 0.6368% | 3,294 |
| Noninterest expense to average assets | 2.5343% | 5,717 |
| Loan and lease loss provision to assets | 0.5563% | 2,253 |
| Net operating income to assets | 0.7586% | 3,302 |
| Return on assets (ROA) | 0.9093% | 2,810 |
| Pretax return on assets | 1.3250% | 2,195 |
| Return on Equity (ROE) | 9.5144% | 2,524 |
| Retained earnings to average equity (ytd only) | 9.5144% | 1,334 |
| Net charge-offs to loans | 0.9077% | 1,452 |
| Credit loss provision to net charge-offs | 90.7148% | 3,990 |
| Earnings coverage of net charge-offs (x) | 2.7119% | 3,404 |
| Efficiency ratio | 60.3790% | 6,339 |
| Assets per employee ($millions) | 3.4564% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,012 |
| Loan loss allowance to noncurrent loans | 134.2004% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 5,250 |
| Noncurrent loans to loans | 0.8682% | 5,278 |
| Net loans and leases to total assets | 65.9961% | 4,584 |
| Net loans and leases to deposits | 87.4945% | 3,380 |
| Net loans and leases to core deposits | 123.0004% | 2,168 |
| Total domestic deposits to total assets | 75.4289% | 6,616 |
| Equity capital to assets | 9.5331% | 4,625 |
| Core capital (leverage) ratio | 9.4684% | 4,022 |
| Tier 1 risk-based capital ratio | 13.7227% | 3,728 |
| Total risk-based capital ratio | 14.8558% | 3,716 |
| Memoranda: | ||
| Average total assets | $885,119,000 | 799 |
| Average earning assets | $826,894,000 | 768 |
| Average equity | $84,587,500 | 783 |
| Average total loans | $598,022,000 | 829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2357% | 4,323 |
| Cost of funding earning assets | 2.2627% | 5,328 |
| Net interest margin | 3.9730% | 3,255 |
| Noninterest income to average assets | 0.8011% | 2,507 |
| Noninterest expense to average assets | 2.6718% | 5,377 |
| Loan and lease loss provision to assets | 0.2939% | 4,033 |
| Net operating income to assets | 1.0197% | 2,475 |
| Return on assets (ROA) | 1.0197% | 2,363 |
| Pretax return on assets | 1.5404% | 1,564 |
| Return on Equity (ROE) | 10.5579% | 2,069 |
| Retained earnings to average equity (ytd only) | 4.5131% | 2,320 |
| Net charge-offs to loans | 0.3322% | 3,179 |
| Credit loss provision to net charge-offs | 129.9641% | 4,092 |
| Earnings coverage of net charge-offs (x) | 8.1119% | 2,939 |
| Efficiency ratio | 59.2924% | 6,477 |
| Assets per employee ($millions) | 3.3526% | 5,086 |
| Cash dividends to net income (ytd only)* | 57.2534% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,660 |
| Loan loss allowance to noncurrent loans | 197.0817% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 5,760 |
| Noncurrent loans to loans | 0.6014% | 5,571 |
| Net loans and leases to total assets | 67.5617% | 4,542 |
| Net loans and leases to deposits | 86.3291% | 4,068 |
| Net loans and leases to core deposits | 124.6865% | 2,273 |
| Total domestic deposits to total assets | 78.2607% | 5,628 |
| Equity capital to assets | 9.5807% | 4,573 |
| Core capital (leverage) ratio | 9.5989% | 3,880 |
| Tier 1 risk-based capital ratio | 13.5522% | 3,789 |
| Total risk-based capital ratio | 14.7194% | 3,737 |
| Memoranda: | ||
| Average total assets | $861,903,200 | 788 |
| Average earning assets | $803,742,400 | 765 |
| Average equity | $83,246,000 | 802 |
| Average total loans | $586,650,000 | 816 |