Home > The Lyons National Bank > Performance and Condition Ratios
The Lyons 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 | 4.2339% | 3,567 |
| Cost of funding earning assets | 1.3346% | 2,411 |
| Net interest margin | 2.8994% | 3,491 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.1200% | 3,357 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9955% | 2,233 |
| Return on assets (ROA) | 0.9990% | 2,208 |
| Pretax return on assets | 1.2981% | 1,873 |
| Return on Equity (ROE) | 15.8800% | 1,119 |
| Retained earnings to average equity (ytd only) | 10.6055% | 876 |
| Net charge-offs to loans | 0.0225% | 1,878 |
| Credit loss provision to net charge-offs | 346.6667% | 858 |
| Earnings coverage of net charge-offs (x) | 82.7000% | 1,004 |
| Efficiency ratio | 61.0915% | 2,961 |
| Assets per employee ($millions) | 8.4009% | 1,224 |
| Cash dividends to net income (ytd only)* | 33.2298% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,211 |
| Loan loss allowance to noncurrent loans | 566.3827% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 2,227 |
| Noncurrent loans to loans | 0.2555% | 2,269 |
| Net loans and leases to total assets | 73.5100% | 1,419 |
| Net loans and leases to deposits | 83.4762% | 1,820 |
| Net loans and leases to core deposits | 96.3814% | 1,635 |
| Total domestic deposits to total assets | 88.0600% | 1,335 |
| Equity capital to assets | 6.7404% | 4,036 |
| Core capital (leverage) ratio | 8.9019% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5853% | 2,031 |
| Memoranda: | ||
| Average total assets | $1,837,505,200 | 611 |
| Average earning assets | $1,725,520,400 | 599 |
| Average equity | $115,571,600 | 855 |
| Average total loans | $1,331,235,000 | 572 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,605 |
| Cost of funding earning assets | 1.1961% | 2,443 |
| Net interest margin | 2.9313% | 3,477 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.1394% | 3,238 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9755% | 2,434 |
| Return on assets (ROA) | 0.9800% | 2,419 |
| Pretax return on assets | 1.2945% | 2,060 |
| Return on Equity (ROE) | 15.8700% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.5739% | 1,245 |
| Net charge-offs to loans | 0.0122% | 1,953 |
| Credit loss provision to net charge-offs | 446.2810% | 687 |
| Earnings coverage of net charge-offs (x) | 151.0248% | 725 |
| Efficiency ratio | 61.7026% | 2,757 |
| Assets per employee ($millions) | 8.5530% | 1,102 |
| Cash dividends to net income (ytd only)* | 33.3655% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,223 |
| Loan loss allowance to noncurrent loans | 614.6571% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 2,387 |
| Noncurrent loans to loans | 0.2376% | 2,399 |
| Net loans and leases to total assets | 70.7100% | 1,739 |
| Net loans and leases to deposits | 78.6251% | 2,183 |
| Net loans and leases to core deposits | 91.7379% | 1,813 |
| Total domestic deposits to total assets | 89.9300% | 956 |
| Equity capital to assets | 6.0309% | 3,975 |
| Core capital (leverage) ratio | 8.8356% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5553% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,834,834,250 | 615 |
| Average earning assets | $1,722,929,250 | 604 |
| Average equity | $113,320,750 | 858 |
| Average total loans | $1,319,391,250 | 577 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,561 |
| Cost of funding earning assets | 1.0789% | 2,355 |
| Net interest margin | 2.9853% | 3,466 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.2025% | 3,067 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9673% | 2,523 |
| Return on assets (ROA) | 0.9711% | 2,508 |
| Pretax return on assets | 1.2721% | 2,154 |
| Return on Equity (ROE) | 15.6000% | 1,338 |
| Retained earnings to average equity (ytd only) | 10.4849% | 1,284 |
| Net charge-offs to loans | -0.0008% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.7043% | 2,625 |
| Assets per employee ($millions) | 8.0458% | 1,293 |
| Cash dividends to net income (ytd only)* | 32.7795% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,258 |
| Loan loss allowance to noncurrent loans | 604.5034% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 2,332 |
| Noncurrent loans to loans | 0.2439% | 2,282 |
| Net loans and leases to total assets | 70.4600% | 1,692 |
| Net loans and leases to deposits | 76.1726% | 2,298 |
| Net loans and leases to core deposits | 102.3800% | 1,116 |
| Total domestic deposits to total assets | 92.5000% | 324 |
| Equity capital to assets | 6.2053% | 4,098 |
| Core capital (leverage) ratio | 8.6317% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3819% | 2,140 |
| Memoranda: | ||
| Average total assets | $1,822,078,333 | 609 |
| Average earning assets | $1,711,813,000 | 596 |
| Average equity | $113,439,333 | 851 |
| Average total loans | $1,311,149,000 | 561 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 3,610 |
| Cost of funding earning assets | 0.8919% | 2,396 |
| Net interest margin | 3.0399% | 3,494 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.2306% | 3,011 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9586% | 2,659 |
| Return on assets (ROA) | 0.9626% | 2,610 |
| Pretax return on assets | 1.2511% | 2,298 |
| Return on Equity (ROE) | 15.4400% | 1,471 |
| Retained earnings to average equity (ytd only) | 10.8131% | 1,510 |
| Net charge-offs to loans | -0.0034% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.7981% | 2,597 |
| Assets per employee ($millions) | 8.2040% | 1,247 |
| Cash dividends to net income (ytd only)* | 29.9470% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,264 |
| Loan loss allowance to noncurrent loans | 647.6317% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,370 |
| Noncurrent loans to loans | 0.2314% | 2,345 |
| Net loans and leases to total assets | 69.3100% | 1,689 |
| Net loans and leases to deposits | 74.9194% | 2,222 |
| Net loans and leases to core deposits | 99.1649% | 1,127 |
| Total domestic deposits to total assets | 92.5100% | 395 |
| Equity capital to assets | 6.2848% | 4,112 |
| Core capital (leverage) ratio | 8.7116% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8752% | 2,015 |
| Memoranda: | ||
| Average total assets | $1,803,829,000 | 629 |
| Average earning assets | $1,696,248,000 | 612 |
| Average equity | $112,493,500 | 864 |
| Average total loans | $1,302,155,500 | 575 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 2,646 |
| Cost of funding earning assets | 0.3026% | 2,852 |
| Net interest margin | 3.3549% | 2,407 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.2993% | 2,740 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.0710% | 2,294 |
| Return on assets (ROA) | 1.0701% | 2,240 |
| Pretax return on assets | 1.3572% | 1,916 |
| Return on Equity (ROE) | 16.0100% | 1,054 |
| Retained earnings to average equity (ytd only) | 10.8898% | 912 |
| Net charge-offs to loans | 0.0282% | 1,499 |
| Credit loss provision to net charge-offs | 1,016.8605% | 421 |
| Earnings coverage of net charge-offs (x) | 77.0814% | 1,110 |
| Efficiency ratio | 59.5040% | 3,121 |
| Assets per employee ($millions) | 7.6911% | 1,494 |
| Cash dividends to net income (ytd only)* | 31.9876% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 871 |
| Loan loss allowance to noncurrent loans | 564.9934% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,075 |
| Noncurrent loans to loans | 0.2928% | 2,093 |
| Net loans and leases to total assets | 72.8900% | 1,325 |
| Net loans and leases to deposits | 78.7241% | 1,876 |
| Net loans and leases to core deposits | 98.0039% | 1,099 |
| Total domestic deposits to total assets | 92.5900% | 493 |
| Equity capital to assets | 6.1852% | 4,024 |
| Core capital (leverage) ratio | 8.5901% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6442% | 2,109 |
| Memoranda: | ||
| Average total assets | $1,694,495,200 | 640 |
| Average earning assets | $1,591,201,400 | 622 |
| Average equity | $113,244,000 | 858 |
| Average total loans | $1,221,414,400 | 572 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 2,562 |
| Cost of funding earning assets | 0.2031% | 3,228 |
| Net interest margin | 3.3138% | 2,257 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.3902% | 2,370 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.0438% | 2,305 |
| Return on assets (ROA) | 1.0417% | 2,278 |
| Pretax return on assets | 1.2848% | 2,095 |
| Return on Equity (ROE) | 15.2900% | 1,114 |
| Retained earnings to average equity (ytd only) | 10.2806% | 1,261 |
| Net charge-offs to loans | 0.0048% | 2,007 |
| Credit loss provision to net charge-offs | 4,579.0698% | 118 |
| Earnings coverage of net charge-offs (x) | 422.9535% | 364 |
| Efficiency ratio | 62.3458% | 2,788 |
| Assets per employee ($millions) | 7.4066% | 1,671 |
| Cash dividends to net income (ytd only)* | 32.7644% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 1,059 |
| Loan loss allowance to noncurrent loans | 495.2358% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,042 |
| Noncurrent loans to loans | 0.3237% | 2,076 |
| Net loans and leases to total assets | 72.1000% | 1,287 |
| Net loans and leases to deposits | 80.2163% | 1,564 |
| Net loans and leases to core deposits | 83.9263% | 1,657 |
| Total domestic deposits to total assets | 89.8800% | 1,716 |
| Equity capital to assets | 5.8923% | 4,005 |
| Core capital (leverage) ratio | 8.5276% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5884% | 2,220 |
| Memoranda: | ||
| Average total assets | $1,679,728,750 | 647 |
| Average earning assets | $1,577,898,500 | 629 |
| Average equity | $114,439,750 | 867 |
| Average total loans | $1,201,832,750 | 575 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 2,405 |
| Cost of funding earning assets | 0.1701% | 3,312 |
| Net interest margin | 3.2388% | 2,081 |
| Noninterest income to average assets | 0.6756% | 1,443 |
| Noninterest expense to average assets | 2.3373% | 2,436 |
| Loan and lease loss provision to assets | 0.1202% | 826 |
| Net operating income to assets | 1.0257% | 2,065 |
| Return on assets (ROA) | 1.0218% | 2,049 |
| Pretax return on assets | 1.2603% | 1,869 |
| Return on Equity (ROE) | 14.3279% | 1,036 |
| Retained earnings to average equity (ytd only) | 9.2728% | 1,205 |
| Net charge-offs to loans | 0.0039% | 1,886 |
| Credit loss provision to net charge-offs | 4,347.8261% | 126 |
| Earnings coverage of net charge-offs (x) | 501.2609% | 259 |
| Efficiency ratio | 62.7857% | 2,946 |
| Assets per employee ($millions) | 7.3210% | 1,723 |
| Cash dividends to net income (ytd only)* | 35.2817% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,219 |
| Loan loss allowance to noncurrent loans | 464.0884% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 2,098 |
| Noncurrent loans to loans | 0.3384% | 2,126 |
| Net loans and leases to total assets | 71.2868% | 1,177 |
| Net loans and leases to deposits | 79.2223% | 1,445 |
| Net loans and leases to core deposits | 82.8909% | 1,530 |
| Total domestic deposits to total assets | 89.9831% | 1,715 |
| Equity capital to assets | 6.3779% | 4,067 |
| Core capital (leverage) ratio | 8.5777% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6644% | 2,224 |
| Memoranda: | ||
| Average total assets | $1,664,392,333 | 647 |
| Average earning assets | $1,565,888,000 | 637 |
| Average equity | $118,691,333 | 849 |
| Average total loans | $1,180,935,333 | 576 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 2,252 |
| Cost of funding earning assets | 0.1642% | 3,306 |
| Net interest margin | 3.1820% | 1,936 |
| Noninterest income to average assets | 0.6974% | 1,324 |
| Noninterest expense to average assets | 2.3708% | 2,268 |
| Loan and lease loss provision to assets | 0.0777% | 1,059 |
| Net operating income to assets | 1.0116% | 1,828 |
| Return on assets (ROA) | 1.0118% | 1,820 |
| Pretax return on assets | 1.2473% | 1,664 |
| Return on Equity (ROE) | 13.4556% | 948 |
| Retained earnings to average equity (ytd only) | 9.2578% | 1,198 |
| Net charge-offs to loans | 0.0007% | 1,821 |
| Credit loss provision to net charge-offs | 16,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 2,728.0000% | 20 |
| Efficiency ratio | 64.1524% | 3,007 |
| Assets per employee ($millions) | 7.3823% | 1,751 |
| Cash dividends to net income (ytd only)* | 31.1975% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 1,310 |
| Loan loss allowance to noncurrent loans | 540.3011% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 2,389 |
| Noncurrent loans to loans | 0.2938% | 2,413 |
| Net loans and leases to total assets | 69.3526% | 1,078 |
| Net loans and leases to deposits | 75.7523% | 1,473 |
| Net loans and leases to core deposits | 79.5173% | 1,520 |
| Total domestic deposits to total assets | 91.5518% | 777 |
| Equity capital to assets | 7.0202% | 4,203 |
| Core capital (leverage) ratio | 8.5724% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9571% | 2,227 |
| Memoranda: | ||
| Average total assets | $1,647,355,000 | 657 |
| Average earning assets | $1,552,212,500 | 644 |
| Average equity | $123,874,000 | 834 |
| Average total loans | $1,156,352,000 | 583 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 2,304 |
| Cost of funding earning assets | 0.2282% | 3,155 |
| Net interest margin | 3.4035% | 2,016 |
| Noninterest income to average assets | 0.8622% | 1,299 |
| Noninterest expense to average assets | 2.6457% | 1,760 |
| Loan and lease loss provision to assets | 0.0857% | 1,433 |
| Net operating income to assets | 1.0708% | 2,411 |
| Return on assets (ROA) | 1.0448% | 2,576 |
| Pretax return on assets | 1.3012% | 2,356 |
| Return on Equity (ROE) | 13.4787% | 1,317 |
| Retained earnings to average equity (ytd only) | 9.0406% | 1,189 |
| Net charge-offs to loans | 0.0353% | 1,537 |
| Credit loss provision to net charge-offs | 354.4974% | 983 |
| Earnings coverage of net charge-offs (x) | 58.7063% | 1,192 |
| Efficiency ratio | 65.0849% | 2,389 |
| Assets per employee ($millions) | 7.1018% | 1,860 |
| Cash dividends to net income (ytd only)* | 32.9273% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,227 |
| Loan loss allowance to noncurrent loans | 522.4722% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,482 |
| Noncurrent loans to loans | 0.3088% | 2,486 |
| Net loans and leases to total assets | 68.7827% | 1,176 |
| Net loans and leases to deposits | 76.0095% | 1,566 |
| Net loans and leases to core deposits | 79.9132% | 1,606 |
| Total domestic deposits to total assets | 90.4922% | 722 |
| Equity capital to assets | 8.0318% | 4,343 |
| Core capital (leverage) ratio | 8.5060% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9435% | 2,267 |
| Memoranda: | ||
| Average total assets | $1,563,535,600 | 664 |
| Average earning assets | $1,471,323,400 | 650 |
| Average equity | $121,198,200 | 857 |
| Average total loans | $1,070,855,800 | 615 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 3,261 |
| Cost of funding earning assets | 0.2476% | 3,147 |
| Net interest margin | 3.0989% | 3,058 |
| Noninterest income to average assets | 0.9086% | 1,238 |
| Noninterest expense to average assets | 2.7458% | 1,471 |
| Loan and lease loss provision to assets | 0.0409% | 2,180 |
| Net operating income to assets | 0.8285% | 3,448 |
| Return on assets (ROA) | 0.8315% | 3,504 |
| Pretax return on assets | 1.0383% | 3,355 |
| Return on Equity (ROE) | 10.8298% | 2,426 |
| Retained earnings to average equity (ytd only) | 6.4779% | 2,624 |
| Net charge-offs to loans | 0.0206% | 1,639 |
| Credit loss provision to net charge-offs | 291.4110% | 1,019 |
| Earnings coverage of net charge-offs (x) | 76.6012% | 1,006 |
| Efficiency ratio | 71.8543% | 1,419 |
| Assets per employee ($millions) | 7.2014% | 1,737 |
| Cash dividends to net income (ytd only)* | 40.1844% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,260 |
| Loan loss allowance to noncurrent loans | 480.4236% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,661 |
| Noncurrent loans to loans | 0.3393% | 2,567 |
| Net loans and leases to total assets | 65.0275% | 1,651 |
| Net loans and leases to deposits | 71.6728% | 2,084 |
| Net loans and leases to core deposits | 75.1248% | 2,129 |
| Total domestic deposits to total assets | 90.7282% | 458 |
| Equity capital to assets | 7.7856% | 4,618 |
| Core capital (leverage) ratio | 8.3029% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8095% | 2,424 |
| Memoranda: | ||
| Average total assets | $1,547,843,750 | 676 |
| Average earning assets | $1,454,852,500 | 662 |
| Average equity | $118,842,250 | 882 |
| Average total loans | $1,054,330,000 | 641 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3460% | 3,321 |
| Cost of funding earning assets | 0.2733% | 3,059 |
| Net interest margin | 3.0727% | 3,109 |
| Noninterest income to average assets | 0.9455% | 1,166 |
| Noninterest expense to average assets | 2.7800% | 1,397 |
| Loan and lease loss provision to assets | 0.0495% | 2,042 |
| Net operating income to assets | 0.8004% | 3,512 |
| Return on assets (ROA) | 0.8046% | 3,574 |
| Pretax return on assets | 1.0083% | 3,433 |
| Return on Equity (ROE) | 10.5330% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.4086% | 2,657 |
| Net charge-offs to loans | 0.0036% | 2,034 |
| Credit loss provision to net charge-offs | 1,973.6842% | 297 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 304 |
| Efficiency ratio | 72.5386% | 1,376 |
| Assets per employee ($millions) | 6.8990% | 1,877 |
| Cash dividends to net income (ytd only)* | 39.1575% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 1,130 |
| Loan loss allowance to noncurrent loans | 446.2390% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 2,595 |
| Noncurrent loans to loans | 0.3736% | 2,565 |
| Net loans and leases to total assets | 66.2202% | 1,674 |
| Net loans and leases to deposits | 72.6608% | 2,149 |
| Net loans and leases to core deposits | 76.7510% | 2,168 |
| Total domestic deposits to total assets | 91.1362% | 334 |
| Equity capital to assets | 7.3967% | 4,767 |
| Core capital (leverage) ratio | 7.7659% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0312% | 2,707 |
| Memoranda: | ||
| Average total assets | $1,516,482,000 | 681 |
| Average earning assets | $1,424,806,000 | 671 |
| Average equity | $115,845,000 | 897 |
| Average total loans | $1,043,973,667 | 646 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 3,384 |
| Cost of funding earning assets | 0.3034% | 2,954 |
| Net interest margin | 3.0267% | 3,191 |
| Noninterest income to average assets | 1.0216% | 1,100 |
| Noninterest expense to average assets | 2.8028% | 1,362 |
| Loan and lease loss provision to assets | 0.1010% | 1,333 |
| Net operating income to assets | 0.7689% | 3,520 |
| Return on assets (ROA) | 0.7764% | 3,566 |
| Pretax return on assets | 0.9701% | 3,457 |
| Return on Equity (ROE) | 9.9950% | 2,687 |
| Retained earnings to average equity (ytd only) | 6.3049% | 2,793 |
| Net charge-offs to loans | 0.0085% | 1,607 |
| Credit loss provision to net charge-offs | 1,704.5455% | 276 |
| Earnings coverage of net charge-offs (x) | 179.1364% | 435 |
| Efficiency ratio | 72.5270% | 1,446 |
| Assets per employee ($millions) | 6.7832% | 1,953 |
| Cash dividends to net income (ytd only)* | 36.9188% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,063 |
| Loan loss allowance to noncurrent loans | 409.1119% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 2,664 |
| Noncurrent loans to loans | 0.4135% | 2,617 |
| Net loans and leases to total assets | 66.6349% | 1,710 |
| Net loans and leases to deposits | 72.9971% | 2,214 |
| Net loans and leases to core deposits | 77.8479% | 2,200 |
| Total domestic deposits to total assets | 91.2843% | 298 |
| Equity capital to assets | 7.3596% | 4,754 |
| Core capital (leverage) ratio | 8.0797% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2104% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,484,782,500 | 686 |
| Average earning assets | $1,394,651,500 | 674 |
| Average equity | $115,338,000 | 893 |
| Average total loans | $1,033,991,000 | 655 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 2,854 |
| Cost of funding earning assets | 0.5451% | 2,638 |
| Net interest margin | 3.4150% | 2,730 |
| Noninterest income to average assets | 1.0984% | 884 |
| Noninterest expense to average assets | 2.8271% | 1,877 |
| Loan and lease loss provision to assets | 0.4781% | 546 |
| Net operating income to assets | 0.8079% | 3,061 |
| Return on assets (ROA) | 0.8198% | 3,139 |
| Pretax return on assets | 0.9974% | 3,050 |
| Return on Equity (ROE) | 10.5382% | 1,795 |
| Retained earnings to average equity (ytd only) | 6.1186% | 1,745 |
| Net charge-offs to loans | 0.0454% | 2,157 |
| Credit loss provision to net charge-offs | 1,451.9722% | 578 |
| Earnings coverage of net charge-offs (x) | 44.3643% | 1,303 |
| Efficiency ratio | 65.9302% | 2,545 |
| Assets per employee ($millions) | 6.2965% | 2,087 |
| Cash dividends to net income (ytd only)* | 41.9385% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,026 |
| Loan loss allowance to noncurrent loans | 505.4376% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,077 |
| Noncurrent loans to loans | 0.3373% | 2,995 |
| Net loans and leases to total assets | 70.4366% | 1,503 |
| Net loans and leases to deposits | 77.9168% | 2,076 |
| Net loans and leases to core deposits | 83.7761% | 2,057 |
| Total domestic deposits to total assets | 90.3998% | 415 |
| Equity capital to assets | 8.2119% | 4,616 |
| Core capital (leverage) ratio | 8.4085% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6308% | 2,389 |
| Memoranda: | ||
| Average total assets | $1,308,828,000 | 700 |
| Average earning assets | $1,222,450,800 | 686 |
| Average equity | $101,820,000 | 949 |
| Average total loans | $948,991,000 | 676 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 2,927 |
| Cost of funding earning assets | 0.6081% | 2,564 |
| Net interest margin | 3.4076% | 2,889 |
| Noninterest income to average assets | 1.1906% | 753 |
| Noninterest expense to average assets | 2.8563% | 1,811 |
| Loan and lease loss provision to assets | 0.5396% | 517 |
| Net operating income to assets | 0.7991% | 3,093 |
| Return on assets (ROA) | 0.8165% | 3,152 |
| Pretax return on assets | 0.9958% | 3,085 |
| Return on Equity (ROE) | 10.6597% | 1,795 |
| Retained earnings to average equity (ytd only) | 6.0926% | 2,066 |
| Net charge-offs to loans | 0.0335% | 2,157 |
| Credit loss provision to net charge-offs | 2,214.1026% | 435 |
| Earnings coverage of net charge-offs (x) | 62.1368% | 1,078 |
| Efficiency ratio | 65.3537% | 2,539 |
| Assets per employee ($millions) | 6.1739% | 2,114 |
| Cash dividends to net income (ytd only)* | 42.8444% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 1,029 |
| Loan loss allowance to noncurrent loans | 433.4647% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 3,066 |
| Noncurrent loans to loans | 0.3751% | 2,942 |
| Net loans and leases to total assets | 72.1976% | 1,635 |
| Net loans and leases to deposits | 79.0164% | 2,420 |
| Net loans and leases to core deposits | 84.9105% | 2,389 |
| Total domestic deposits to total assets | 91.3703% | 116 |
| Equity capital to assets | 7.3280% | 4,894 |
| Core capital (leverage) ratio | 7.4654% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5369% | 2,778 |
| Memoranda: | ||
| Average total assets | $1,280,284,750 | 696 |
| Average earning assets | $1,194,720,000 | 684 |
| Average equity | $98,061,250 | 969 |
| Average total loans | $931,314,750 | 681 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 2,940 |
| Cost of funding earning assets | 0.6765% | 2,517 |
| Net interest margin | 3.4618% | 2,913 |
| Noninterest income to average assets | 1.1609% | 739 |
| Noninterest expense to average assets | 2.8509% | 1,971 |
| Loan and lease loss provision to assets | 0.5727% | 571 |
| Net operating income to assets | 0.7890% | 3,072 |
| Return on assets (ROA) | 0.8157% | 3,102 |
| Pretax return on assets | 0.9961% | 3,044 |
| Return on Equity (ROE) | 10.4819% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.8020% | 2,156 |
| Net charge-offs to loans | 0.0432% | 1,884 |
| Credit loss provision to net charge-offs | 1,829.7436% | 521 |
| Earnings coverage of net charge-offs (x) | 49.0821% | 1,114 |
| Efficiency ratio | 64.9837% | 2,662 |
| Assets per employee ($millions) | 6.2425% | 1,995 |
| Cash dividends to net income (ytd only)* | 44.6478% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,186 |
| Loan loss allowance to noncurrent loans | 412.2618% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 3,212 |
| Noncurrent loans to loans | 0.3706% | 3,083 |
| Net loans and leases to total assets | 70.7100% | 1,921 |
| Net loans and leases to deposits | 77.3788% | 2,720 |
| Net loans and leases to core deposits | 83.8476% | 2,618 |
| Total domestic deposits to total assets | 91.3816% | 99 |
| Equity capital to assets | 7.3240% | 4,920 |
| Core capital (leverage) ratio | 7.6167% | 4,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6863% | 2,741 |
| Memoranda: | ||
| Average total assets | $1,246,060,333 | 703 |
| Average earning assets | $1,161,229,000 | 692 |
| Average equity | $96,967,333 | 971 |
| Average total loans | $903,431,667 | 694 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 3,086 |
| Cost of funding earning assets | 0.7387% | 2,731 |
| Net interest margin | 3.5039% | 2,963 |
| Noninterest income to average assets | 1.0678% | 748 |
| Noninterest expense to average assets | 2.9731% | 1,950 |
| Loan and lease loss provision to assets | 0.3560% | 869 |
| Net operating income to assets | 0.8142% | 2,862 |
| Return on assets (ROA) | 0.8258% | 2,893 |
| Pretax return on assets | 1.0072% | 2,823 |
| Return on Equity (ROE) | 10.2661% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.3799% | 2,125 |
| Net charge-offs to loans | 0.0702% | 1,325 |
| Credit loss provision to net charge-offs | 696.0526% | 733 |
| Earnings coverage of net charge-offs (x) | 26.3750% | 1,255 |
| Efficiency ratio | 68.7870% | 2,542 |
| Assets per employee ($millions) | 5.6453% | 1,975 |
| Cash dividends to net income (ytd only)* | 47.5958% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,583 |
| Loan loss allowance to noncurrent loans | 265.8844% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,851 |
| Noncurrent loans to loans | 0.5384% | 2,650 |
| Net loans and leases to total assets | 70.7014% | 2,135 |
| Net loans and leases to deposits | 80.6572% | 2,610 |
| Net loans and leases to core deposits | 86.9279% | 2,604 |
| Total domestic deposits to total assets | 87.6566% | 1,247 |
| Equity capital to assets | 8.0529% | 4,960 |
| Core capital (leverage) ratio | 8.3980% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3200% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,188,660,500 | 699 |
| Average earning assets | $1,104,033,000 | 695 |
| Average equity | $95,616,000 | 977 |
| Average total loans | $866,551,500 | 697 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 3,275 |
| Cost of funding earning assets | 0.7787% | 2,779 |
| Net interest margin | 3.6130% | 3,095 |
| Noninterest income to average assets | 1.1209% | 752 |
| Noninterest expense to average assets | 2.9998% | 2,018 |
| Loan and lease loss provision to assets | 0.2075% | 971 |
| Net operating income to assets | 1.0280% | 2,739 |
| Return on assets (ROA) | 1.0151% | 2,880 |
| Pretax return on assets | 1.2484% | 2,673 |
| Return on Equity (ROE) | 12.7417% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.1180% | 1,345 |
| Net charge-offs to loans | 0.0997% | 1,732 |
| Credit loss provision to net charge-offs | 285.1401% | 985 |
| Earnings coverage of net charge-offs (x) | 20.2229% | 1,949 |
| Efficiency ratio | 67.0863% | 2,607 |
| Assets per employee ($millions) | 5.3621% | 2,183 |
| Cash dividends to net income (ytd only)* | 44.1359% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 1,745 |
| Loan loss allowance to noncurrent loans | 224.6743% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 2,634 |
| Noncurrent loans to loans | 0.5963% | 2,397 |
| Net loans and leases to total assets | 73.1325% | 1,900 |
| Net loans and leases to deposits | 82.6292% | 2,486 |
| Net loans and leases to core deposits | 90.6989% | 2,357 |
| Total domestic deposits to total assets | 88.5068% | 884 |
| Equity capital to assets | 8.0347% | 5,053 |
| Core capital (leverage) ratio | 8.4357% | 4,876 |
| Tier 1 risk-based capital ratio | 11.0372% | 4,843 |
| Total risk-based capital ratio | 12.2943% | 4,742 |
| Memoranda: | ||
| Average total assets | $1,128,119,000 | 704 |
| Average earning assets | $1,046,184,600 | 695 |
| Average equity | $89,870,600 | 977 |
| Average total loans | $823,485,400 | 696 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 3,365 |
| Cost of funding earning assets | 0.7608% | 2,916 |
| Net interest margin | 3.6367% | 3,148 |
| Noninterest income to average assets | 1.0273% | 884 |
| Noninterest expense to average assets | 3.0041% | 1,970 |
| Loan and lease loss provision to assets | 0.1669% | 1,117 |
| Net operating income to assets | 0.9579% | 3,136 |
| Return on assets (ROA) | 0.9650% | 3,182 |
| Pretax return on assets | 1.2372% | 2,866 |
| Return on Equity (ROE) | 12.1407% | 1,562 |
| Retained earnings to average equity (ytd only) | 6.3678% | 2,188 |
| Net charge-offs to loans | 0.0895% | 1,574 |
| Credit loss provision to net charge-offs | 256.5934% | 1,068 |
| Earnings coverage of net charge-offs (x) | 21.4488% | 1,913 |
| Efficiency ratio | 68.2878% | 2,369 |
| Assets per employee ($millions) | 5.3855% | 2,137 |
| Cash dividends to net income (ytd only)* | 47.5497% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 1,858 |
| Loan loss allowance to noncurrent loans | 202.0408% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,596 |
| Noncurrent loans to loans | 0.6567% | 2,316 |
| Net loans and leases to total assets | 70.2687% | 2,429 |
| Net loans and leases to deposits | 78.2536% | 3,072 |
| Net loans and leases to core deposits | 85.8386% | 2,921 |
| Total domestic deposits to total assets | 89.7961% | 340 |
| Equity capital to assets | 8.0518% | 5,115 |
| Core capital (leverage) ratio | 8.3294% | 5,019 |
| Tier 1 risk-based capital ratio | 11.0652% | 4,881 |
| Total risk-based capital ratio | 12.3220% | 4,770 |
| Memoranda: | ||
| Average total assets | $1,119,254,000 | 710 |
| Average earning assets | $1,037,721,000 | 698 |
| Average equity | $88,965,750 | 988 |
| Average total loans | $813,729,500 | 704 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 3,414 |
| Cost of funding earning assets | 0.7380% | 2,957 |
| Net interest margin | 3.6335% | 3,152 |
| Noninterest income to average assets | 0.9930% | 883 |
| Noninterest expense to average assets | 3.0003% | 2,005 |
| Loan and lease loss provision to assets | 0.1372% | 1,349 |
| Net operating income to assets | 0.9616% | 3,053 |
| Return on assets (ROA) | 0.9601% | 3,136 |
| Pretax return on assets | 1.2305% | 2,811 |
| Return on Equity (ROE) | 12.1338% | 1,527 |
| Retained earnings to average equity (ytd only) | 5.9917% | 2,286 |
| Net charge-offs to loans | 0.0629% | 1,752 |
| Credit loss provision to net charge-offs | 298.0392% | 910 |
| Earnings coverage of net charge-offs (x) | 29.7569% | 1,471 |
| Efficiency ratio | 68.6602% | 2,426 |
| Assets per employee ($millions) | 5.2708% | 2,178 |
| Cash dividends to net income (ytd only)* | 50.6203% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,057 |
| Loan loss allowance to noncurrent loans | 209.0440% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 2,749 |
| Noncurrent loans to loans | 0.6173% | 2,414 |
| Net loans and leases to total assets | 70.8188% | 2,421 |
| Net loans and leases to deposits | 78.0184% | 3,149 |
| Net loans and leases to core deposits | 85.1295% | 3,021 |
| Total domestic deposits to total assets | 90.7719% | 137 |
| Equity capital to assets | 7.9835% | 5,176 |
| Core capital (leverage) ratio | 8.3257% | 5,048 |
| Tier 1 risk-based capital ratio | 11.1018% | 4,869 |
| Total risk-based capital ratio | 12.3585% | 4,771 |
| Memoranda: | ||
| Average total assets | $1,108,173,670 | 716 |
| Average earning assets | $1,029,869,000 | 704 |
| Average equity | $87,688,670 | 994 |
| Average total loans | $811,395,000 | 706 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 3,345 |
| Cost of funding earning assets | 0.7181% | 2,955 |
| Net interest margin | 3.6509% | 3,070 |
| Noninterest income to average assets | 1.0192% | 762 |
| Noninterest expense to average assets | 3.1074% | 1,718 |
| Loan and lease loss provision to assets | 0.0878% | 1,958 |
| Net operating income to assets | 0.9495% | 3,052 |
| Return on assets (ROA) | 0.9519% | 3,085 |
| Pretax return on assets | 1.2205% | 2,731 |
| Return on Equity (ROE) | 12.0854% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.2727% | 2,333 |
| Net charge-offs to loans | 0.0010% | 2,726 |
| Credit loss provision to net charge-offs | 12,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,783.5000% | 20 |
| Efficiency ratio | 70.4180% | 2,275 |
| Assets per employee ($millions) | 5.3093% | 2,160 |
| Cash dividends to net income (ytd only)* | 48.0969% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,219 |
| Loan loss allowance to noncurrent loans | 219.4872% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 2,894 |
| Noncurrent loans to loans | 0.5797% | 2,598 |
| Net loans and leases to total assets | 72.1677% | 2,126 |
| Net loans and leases to deposits | 79.1368% | 2,936 |
| Net loans and leases to core deposits | 86.8469% | 2,790 |
| Total domestic deposits to total assets | 91.1936% | 133 |
| Equity capital to assets | 7.9473% | 5,196 |
| Core capital (leverage) ratio | 8.5042% | 5,010 |
| Tier 1 risk-based capital ratio | 11.1894% | 4,891 |
| Total risk-based capital ratio | 12.4442% | 4,798 |
| Memoranda: | ||
| Average total assets | $1,093,017,500 | 728 |
| Average earning assets | $1,015,962,000 | 716 |
| Average equity | $86,087,500 | 999 |
| Average total loans | $808,691,500 | 713 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 3,277 |
| Cost of funding earning assets | 0.5672% | 2,943 |
| Net interest margin | 3.6823% | 3,106 |
| Noninterest income to average assets | 0.9847% | 973 |
| Noninterest expense to average assets | 2.9204% | 2,277 |
| Loan and lease loss provision to assets | 0.2028% | 929 |
| Net operating income to assets | 1.0000% | 3,010 |
| Return on assets (ROA) | 0.9932% | 3,034 |
| Pretax return on assets | 1.2731% | 2,604 |
| Return on Equity (ROE) | 12.9345% | 1,371 |
| Retained earnings to average equity (ytd only) | 7.6805% | 1,384 |
| Net charge-offs to loans | 0.0940% | 1,824 |
| Credit loss provision to net charge-offs | 293.3975% | 1,045 |
| Earnings coverage of net charge-offs (x) | 21.4801% | 1,941 |
| Efficiency ratio | 66.3005% | 2,829 |
| Assets per employee ($millions) | 5.0312% | 2,458 |
| Cash dividends to net income (ytd only)* | 40.6202% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,358 |
| Loan loss allowance to noncurrent loans | 308.0110% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 3,372 |
| Noncurrent loans to loans | 0.4022% | 3,088 |
| Net loans and leases to total assets | 73.9671% | 1,942 |
| Net loans and leases to deposits | 84.5262% | 2,456 |
| Net loans and leases to core deposits | 92.2827% | 2,385 |
| Total domestic deposits to total assets | 87.5080% | 1,529 |
| Equity capital to assets | 7.8035% | 5,220 |
| Core capital (leverage) ratio | 8.4970% | 5,031 |
| Tier 1 risk-based capital ratio | 11.0933% | 4,929 |
| Total risk-based capital ratio | 12.3269% | 4,834 |
| Memoranda: | ||
| Average total assets | $1,052,000,600 | 733 |
| Average earning assets | $977,114,400 | 719 |
| Average equity | $80,776,200 | 1,020 |
| Average total loans | $773,594,600 | 721 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 3,334 |
| Cost of funding earning assets | 0.5256% | 3,024 |
| Net interest margin | 3.6722% | 3,112 |
| Noninterest income to average assets | 0.9748% | 997 |
| Noninterest expense to average assets | 2.9780% | 2,082 |
| Loan and lease loss provision to assets | 0.2032% | 844 |
| Net operating income to assets | 0.9420% | 3,344 |
| Return on assets (ROA) | 0.9360% | 3,371 |
| Pretax return on assets | 1.1988% | 2,990 |
| Return on Equity (ROE) | 12.2416% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.1266% | 2,062 |
| Net charge-offs to loans | 0.1064% | 1,426 |
| Credit loss provision to net charge-offs | 260.9836% | 1,135 |
| Earnings coverage of net charge-offs (x) | 18.1050% | 2,067 |
| Efficiency ratio | 67.8720% | 2,562 |
| Assets per employee ($millions) | 5.0139% | 2,451 |
| Cash dividends to net income (ytd only)* | 41.7837% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,558 |
| Loan loss allowance to noncurrent loans | 292.9290% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,466 |
| Noncurrent loans to loans | 0.4138% | 3,168 |
| Net loans and leases to total assets | 73.3428% | 2,106 |
| Net loans and leases to deposits | 81.6780% | 2,855 |
| Net loans and leases to core deposits | 88.6124% | 2,785 |
| Total domestic deposits to total assets | 89.7951% | 573 |
| Equity capital to assets | 7.5817% | 5,293 |
| Core capital (leverage) ratio | 8.4201% | 5,132 |
| Tier 1 risk-based capital ratio | 10.8590% | 5,096 |
| Total risk-based capital ratio | 12.0409% | 5,034 |
| Memoranda: | ||
| Average total assets | $1,044,576,250 | 734 |
| Average earning assets | $970,812,000 | 725 |
| Average equity | $79,867,750 | 1,025 |
| Average total loans | $764,459,250 | 722 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,367 |
| Cost of funding earning assets | 0.4892% | 3,096 |
| Net interest margin | 3.6353% | 3,178 |
| Noninterest income to average assets | 0.9475% | 1,061 |
| Noninterest expense to average assets | 2.9835% | 2,085 |
| Loan and lease loss provision to assets | 0.1966% | 875 |
| Net operating income to assets | 0.8970% | 3,464 |
| Return on assets (ROA) | 0.8931% | 3,495 |
| Pretax return on assets | 1.1441% | 3,153 |
| Return on Equity (ROE) | 11.6477% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.5433% | 2,288 |
| Net charge-offs to loans | 0.1221% | 1,199 |
| Credit loss provision to net charge-offs | 221.0412% | 1,220 |
| Earnings coverage of net charge-offs (x) | 15.1302% | 2,062 |
| Efficiency ratio | 68.9185% | 2,502 |
| Assets per employee ($millions) | 4.9194% | 2,526 |
| Cash dividends to net income (ytd only)* | 43.8229% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,800 |
| Loan loss allowance to noncurrent loans | 369.1041% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,826 |
| Noncurrent loans to loans | 0.3219% | 3,554 |
| Net loans and leases to total assets | 72.5864% | 2,183 |
| Net loans and leases to deposits | 79.3043% | 3,024 |
| Net loans and leases to core deposits | 86.0755% | 2,915 |
| Total domestic deposits to total assets | 91.5290% | 147 |
| Equity capital to assets | 7.5954% | 5,345 |
| Core capital (leverage) ratio | 8.4488% | 5,143 |
| Tier 1 risk-based capital ratio | 11.0480% | 5,028 |
| Total risk-based capital ratio | 12.2198% | 4,961 |
| Memoranda: | ||
| Average total assets | $1,036,782,670 | 740 |
| Average earning assets | $964,365,000 | 732 |
| Average equity | $79,500,670 | 1,027 |
| Average total loans | $754,985,330 | 734 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 3,275 |
| Cost of funding earning assets | 0.4664% | 3,074 |
| Net interest margin | 3.6226% | 3,099 |
| Noninterest income to average assets | 0.9086% | 1,127 |
| Noninterest expense to average assets | 2.9370% | 2,233 |
| Loan and lease loss provision to assets | 0.1866% | 908 |
| Net operating income to assets | 0.9007% | 3,287 |
| Return on assets (ROA) | 0.8900% | 3,348 |
| Pretax return on assets | 1.1415% | 2,999 |
| Return on Equity (ROE) | 11.5503% | 1,744 |
| Retained earnings to average equity (ytd only) | 1.3221% | 4,537 |
| Net charge-offs to loans | 0.1368% | 987 |
| Credit loss provision to net charge-offs | 188.2353% | 1,080 |
| Earnings coverage of net charge-offs (x) | 13.5333% | 1,749 |
| Efficiency ratio | 68.6415% | 2,726 |
| Assets per employee ($millions) | 5.0033% | 2,490 |
| Cash dividends to net income (ytd only)* | 88.5540% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,929 |
| Loan loss allowance to noncurrent loans | 346.1298% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 3,876 |
| Noncurrent loans to loans | 0.3412% | 3,538 |
| Net loans and leases to total assets | 72.2360% | 2,132 |
| Net loans and leases to deposits | 80.4482% | 2,757 |
| Net loans and leases to core deposits | 87.2914% | 2,694 |
| Total domestic deposits to total assets | 89.7919% | 745 |
| Equity capital to assets | 7.6400% | 5,384 |
| Core capital (leverage) ratio | 8.2107% | 5,307 |
| Tier 1 risk-based capital ratio | 11.0828% | 5,093 |
| Total risk-based capital ratio | 12.2472% | 5,036 |
| Memoranda: | ||
| Average total assets | $1,028,799,500 | 748 |
| Average earning assets | $957,102,500 | 740 |
| Average equity | $79,270,500 | 1,040 |
| Average total loans | $745,808,000 | 740 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 3,665 |
| Cost of funding earning assets | 0.3863% | 3,375 |
| Net interest margin | 3.5309% | 3,426 |
| Noninterest income to average assets | 0.9089% | 1,243 |
| Noninterest expense to average assets | 2.7759% | 2,862 |
| Loan and lease loss provision to assets | 0.1499% | 1,508 |
| Net operating income to assets | 0.8405% | 2,994 |
| Return on assets (ROA) | 0.8389% | 3,033 |
| Pretax return on assets | 1.2644% | 2,489 |
| Return on Equity (ROE) | 10.7025% | 1,586 |
| Retained earnings to average equity (ytd only) | 5.4092% | 1,863 |
| Net charge-offs to loans | 0.0952% | 2,131 |
| Credit loss provision to net charge-offs | 224.8876% | 1,226 |
| Earnings coverage of net charge-offs (x) | 21.2564% | 1,917 |
| Efficiency ratio | 66.2131% | 3,233 |
| Assets per employee ($millions) | 4.8447% | 2,679 |
| Cash dividends to net income (ytd only)* | 49.4581% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,993 |
| Loan loss allowance to noncurrent loans | 324.0330% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 3,846 |
| Noncurrent loans to loans | 0.3590% | 3,484 |
| Net loans and leases to total assets | 71.0543% | 2,370 |
| Net loans and leases to deposits | 82.0125% | 2,716 |
| Net loans and leases to core deposits | 89.1911% | 2,638 |
| Total domestic deposits to total assets | 86.6384% | 2,176 |
| Equity capital to assets | 7.7699% | 5,468 |
| Core capital (leverage) ratio | 8.2125% | 5,345 |
| Tier 1 risk-based capital ratio | 11.0394% | 5,120 |
| Total risk-based capital ratio | 12.2968% | 5,002 |
| Memoranda: | ||
| Average total assets | $1,000,937,000 | 738 |
| Average earning assets | $930,779,200 | 733 |
| Average equity | $78,458,600 | 1,028 |
| Average total loans | $700,799,600 | 744 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,720 |
| Cost of funding earning assets | 0.3719% | 3,447 |
| Net interest margin | 3.5157% | 3,445 |
| Noninterest income to average assets | 0.8976% | 1,276 |
| Noninterest expense to average assets | 2.7877% | 2,771 |
| Loan and lease loss provision to assets | 0.1745% | 1,155 |
| Net operating income to assets | 0.8499% | 3,272 |
| Return on assets (ROA) | 0.8483% | 3,328 |
| Pretax return on assets | 1.2026% | 2,898 |
| Return on Equity (ROE) | 10.7975% | 1,779 |
| Retained earnings to average equity (ytd only) | 5.5466% | 2,508 |
| Net charge-offs to loans | 0.0983% | 1,796 |
| Credit loss provision to net charge-offs | 255.4028% | 1,115 |
| Earnings coverage of net charge-offs (x) | 20.1866% | 1,966 |
| Efficiency ratio | 66.8986% | 3,060 |
| Assets per employee ($millions) | 4.9157% | 2,560 |
| Cash dividends to net income (ytd only)* | 48.6311% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,938 |
| Loan loss allowance to noncurrent loans | 426.1538% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,297 |
| Noncurrent loans to loans | 0.2815% | 3,940 |
| Net loans and leases to total assets | 69.8404% | 2,583 |
| Net loans and leases to deposits | 78.7951% | 3,087 |
| Net loans and leases to core deposits | 85.5874% | 3,001 |
| Total domestic deposits to total assets | 88.6354% | 1,053 |
| Equity capital to assets | 7.9260% | 5,539 |
| Core capital (leverage) ratio | 8.2894% | 5,376 |
| Tier 1 risk-based capital ratio | 11.2866% | 5,087 |
| Total risk-based capital ratio | 12.5434% | 4,972 |
| Memoranda: | ||
| Average total assets | $993,188,750 | 747 |
| Average earning assets | $923,642,500 | 738 |
| Average equity | $78,028,250 | 1,034 |
| Average total loans | $690,534,500 | 759 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,778 |
| Cost of funding earning assets | 0.3687% | 3,394 |
| Net interest margin | 3.4657% | 3,521 |
| Noninterest income to average assets | 0.8714% | 1,361 |
| Noninterest expense to average assets | 2.7530% | 2,916 |
| Loan and lease loss provision to assets | 0.1723% | 1,122 |
| Net operating income to assets | 0.8276% | 3,257 |
| Return on assets (ROA) | 0.8252% | 3,326 |
| Pretax return on assets | 1.1685% | 2,905 |
| Return on Equity (ROE) | 10.5352% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.5406% | 2,383 |
| Net charge-offs to loans | 0.1129% | 1,502 |
| Credit loss provision to net charge-offs | 220.7792% | 1,180 |
| Earnings coverage of net charge-offs (x) | 17.2260% | 1,937 |
| Efficiency ratio | 67.1911% | 3,155 |
| Assets per employee ($millions) | 4.7033% | 2,787 |
| Cash dividends to net income (ytd only)* | 47.4085% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 3,082 |
| Loan loss allowance to noncurrent loans | 399.2750% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,345 |
| Noncurrent loans to loans | 0.2980% | 3,976 |
| Net loans and leases to total assets | 68.7983% | 2,692 |
| Net loans and leases to deposits | 76.3105% | 3,306 |
| Net loans and leases to core deposits | 81.6886% | 3,282 |
| Total domestic deposits to total assets | 90.1557% | 483 |
| Equity capital to assets | 7.9509% | 5,558 |
| Core capital (leverage) ratio | 8.2022% | 5,426 |
| Tier 1 risk-based capital ratio | 11.4077% | 5,013 |
| Total risk-based capital ratio | 12.6286% | 4,928 |
| Memoranda: | ||
| Average total assets | $986,705,000 | 754 |
| Average earning assets | $918,441,000 | 746 |
| Average equity | $77,283,670 | 1,049 |
| Average total loans | $682,106,330 | 769 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 3,714 |
| Cost of funding earning assets | 0.3831% | 3,173 |
| Net interest margin | 3.4318% | 3,519 |
| Noninterest income to average assets | 0.8310% | 1,451 |
| Noninterest expense to average assets | 2.7513% | 2,947 |
| Loan and lease loss provision to assets | 0.1223% | 1,568 |
| Net operating income to assets | 0.8147% | 3,155 |
| Return on assets (ROA) | 0.8098% | 3,237 |
| Pretax return on assets | 1.1448% | 2,796 |
| Return on Equity (ROE) | 10.4187% | 1,770 |
| Retained earnings to average equity (ytd only) | 5.6314% | 2,526 |
| Net charge-offs to loans | 0.2171% | 816 |
| Credit loss provision to net charge-offs | 81.7439% | 1,750 |
| Earnings coverage of net charge-offs (x) | 8.5177% | 2,056 |
| Efficiency ratio | 68.3507% | 3,144 |
| Assets per employee ($millions) | 5.0105% | 2,431 |
| Cash dividends to net income (ytd only)* | 45.9487% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,424 |
| Loan loss allowance to noncurrent loans | 422.1191% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,520 |
| Noncurrent loans to loans | 0.2719% | 4,132 |
| Net loans and leases to total assets | 66.0949% | 2,956 |
| Net loans and leases to deposits | 72.1181% | 3,599 |
| Net loans and leases to core deposits | 77.5702% | 3,510 |
| Total domestic deposits to total assets | 91.6481% | 155 |
| Equity capital to assets | 7.6574% | 5,643 |
| Core capital (leverage) ratio | 8.2263% | 5,425 |
| Tier 1 risk-based capital ratio | 11.2590% | 5,163 |
| Total risk-based capital ratio | 12.3469% | 5,154 |
| Memoranda: | ||
| Average total assets | $981,504,500 | 767 |
| Average earning assets | $913,584,000 | 752 |
| Average equity | $76,286,000 | 1,060 |
| Average total loans | $676,033,000 | 776 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 3,960 |
| Cost of funding earning assets | 0.4402% | 2,609 |
| Net interest margin | 3.3431% | 4,018 |
| Noninterest income to average assets | 0.9246% | 1,334 |
| Noninterest expense to average assets | 2.7609% | 3,156 |
| Loan and lease loss provision to assets | 0.1192% | 2,077 |
| Net operating income to assets | 0.8318% | 3,144 |
| Return on assets (ROA) | 0.8679% | 3,101 |
| Pretax return on assets | 1.2056% | 2,639 |
| Return on Equity (ROE) | 11.2233% | 1,496 |
| Retained earnings to average equity (ytd only) | 6.1861% | 1,614 |
| Net charge-offs to loans | 0.2350% | 1,185 |
| Credit loss provision to net charge-offs | 73.7265% | 3,073 |
| Earnings coverage of net charge-offs (x) | 7.8827% | 2,958 |
| Efficiency ratio | 68.4192% | 3,172 |
| Assets per employee ($millions) | 4.8523% | 2,569 |
| Cash dividends to net income (ytd only)* | 44.8814% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,438 |
| Loan loss allowance to noncurrent loans | 353.2397% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,382 |
| Noncurrent loans to loans | 0.3252% | 3,979 |
| Net loans and leases to total assets | 70.1844% | 2,435 |
| Net loans and leases to deposits | 78.5586% | 3,037 |
| Net loans and leases to core deposits | 84.6869% | 2,957 |
| Total domestic deposits to total assets | 89.3402% | 929 |
| Equity capital to assets | 7.8935% | 5,608 |
| Core capital (leverage) ratio | 8.4674% | 5,294 |
| Tier 1 risk-based capital ratio | 11.2302% | 5,204 |
| Total risk-based capital ratio | 12.3394% | 5,189 |
| Memoranda: | ||
| Average total assets | $922,885,600 | 779 |
| Average earning assets | $858,735,600 | 761 |
| Average equity | $71,369,400 | 1,105 |
| Average total loans | $634,772,600 | 786 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,008 |
| Cost of funding earning assets | 0.4480% | 2,572 |
| Net interest margin | 3.3248% | 4,113 |
| Noninterest income to average assets | 0.9445% | 1,266 |
| Noninterest expense to average assets | 2.6929% | 3,371 |
| Loan and lease loss provision to assets | 0.1311% | 1,788 |
| Net operating income to assets | 0.8813% | 3,004 |
| Return on assets (ROA) | 0.9314% | 2,872 |
| Pretax return on assets | 1.2834% | 2,496 |
| Return on Equity (ROE) | 12.1090% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.9064% | 1,672 |
| Net charge-offs to loans | 0.0167% | 3,391 |
| Credit loss provision to net charge-offs | 1,152.5641% | 358 |
| Earnings coverage of net charge-offs (x) | 118.3688% | 582 |
| Efficiency ratio | 66.6751% | 3,473 |
| Assets per employee ($millions) | 4.6793% | 2,782 |
| Cash dividends to net income (ytd only)* | 42.9645% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 2,265 |
| Loan loss allowance to noncurrent loans | 196.7460% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 3,470 |
| Noncurrent loans to loans | 0.7039% | 2,927 |
| Net loans and leases to total assets | 69.2415% | 2,604 |
| Net loans and leases to deposits | 75.8000% | 3,418 |
| Net loans and leases to core deposits | 82.5911% | 3,238 |
| Total domestic deposits to total assets | 91.3476% | 134 |
| Equity capital to assets | 7.8409% | 5,785 |
| Core capital (leverage) ratio | 7.9426% | 5,709 |
| Tier 1 risk-based capital ratio | 10.6539% | 5,545 |
| Total risk-based capital ratio | 11.9125% | 5,456 |
| Memoranda: | ||
| Average total assets | $914,631,250 | 788 |
| Average earning assets | $851,226,250 | 771 |
| Average equity | $70,348,250 | 1,123 |
| Average total loans | $623,793,000 | 795 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,105 |
| Cost of funding earning assets | 0.4476% | 2,593 |
| Net interest margin | 3.3098% | 4,197 |
| Noninterest income to average assets | 0.8629% | 1,499 |
| Noninterest expense to average assets | 2.6170% | 3,669 |
| Loan and lease loss provision to assets | 0.1204% | 1,893 |
| Net operating income to assets | 0.8837% | 2,944 |
| Return on assets (ROA) | 0.9198% | 2,907 |
| Pretax return on assets | 1.2591% | 2,567 |
| Return on Equity (ROE) | 12.0376% | 1,306 |
| Retained earnings to average equity (ytd only) | 6.5333% | 1,859 |
| Net charge-offs to loans | 0.0176% | 3,155 |
| Credit loss provision to net charge-offs | 1,014.8148% | 370 |
| Earnings coverage of net charge-offs (x) | 112.1481% | 519 |
| Efficiency ratio | 66.3031% | 3,628 |
| Assets per employee ($millions) | 4.7317% | 2,659 |
| Cash dividends to net income (ytd only)* | 45.7259% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 2,355 |
| Loan loss allowance to noncurrent loans | 228.2597% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,850 |
| Noncurrent loans to loans | 0.6072% | 3,246 |
| Net loans and leases to total assets | 66.6142% | 2,996 |
| Net loans and leases to deposits | 73.4167% | 3,663 |
| Net loans and leases to core deposits | 79.9031% | 3,465 |
| Total domestic deposits to total assets | 90.7344% | 250 |
| Equity capital to assets | 7.6839% | 5,879 |
| Core capital (leverage) ratio | 7.8301% | 5,811 |
| Tier 1 risk-based capital ratio | 10.8466% | 5,504 |
| Total risk-based capital ratio | 12.1056% | 5,421 |
| Memoranda: | ||
| Average total assets | $910,672,000 | 792 |
| Average earning assets | $848,579,330 | 775 |
| Average equity | $69,582,000 | 1,137 |
| Average total loans | $614,878,000 | 808 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,247 |
| Cost of funding earning assets | 0.4554% | 2,526 |
| Net interest margin | 3.2653% | 4,343 |
| Noninterest income to average assets | 0.8121% | 1,583 |
| Noninterest expense to average assets | 2.6346% | 3,639 |
| Loan and lease loss provision to assets | 0.0878% | 2,220 |
| Net operating income to assets | 0.8209% | 3,148 |
| Return on assets (ROA) | 0.8325% | 3,209 |
| Pretax return on assets | 1.1384% | 2,940 |
| Return on Equity (ROE) | 10.9278% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.4581% | 2,681 |
| Net charge-offs to loans | 0.0085% | 2,839 |
| Credit loss provision to net charge-offs | 1,523.0769% | 266 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 289 |
| Efficiency ratio | 68.5230% | 3,372 |
| Assets per employee ($millions) | 4.8809% | 2,479 |
| Cash dividends to net income (ytd only)* | 50.0532% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,578 |
| Loan loss allowance to noncurrent loans | 205.7248% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 3,825 |
| Noncurrent loans to loans | 0.6640% | 3,181 |
| Net loans and leases to total assets | 64.5144% | 3,169 |
| Net loans and leases to deposits | 70.8927% | 3,768 |
| Net loans and leases to core deposits | 78.4876% | 3,453 |
| Total domestic deposits to total assets | 91.0029% | 274 |
| Equity capital to assets | 7.4218% | 5,960 |
| Core capital (leverage) ratio | 7.8655% | 5,827 |
| Tier 1 risk-based capital ratio | 10.7502% | 5,641 |
| Total risk-based capital ratio | 12.0088% | 5,540 |
| Memoranda: | ||
| Average total assets | $902,300,500 | 803 |
| Average earning assets | $838,014,500 | 791 |
| Average equity | $68,742,000 | 1,145 |
| Average total loans | $609,080,500 | 814 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 3,975 |
| Cost of funding earning assets | 0.3864% | 3,304 |
| Net interest margin | 3.4355% | 3,777 |
| Noninterest income to average assets | 0.9375% | 1,344 |
| Noninterest expense to average assets | 2.6889% | 3,617 |
| Loan and lease loss provision to assets | 0.1523% | 1,544 |
| Net operating income to assets | 0.9161% | 2,781 |
| Return on assets (ROA) | 0.9305% | 2,789 |
| Pretax return on assets | 1.2979% | 2,294 |
| Return on Equity (ROE) | 11.9521% | 1,311 |
| Retained earnings to average equity (ytd only) | 7.5038% | 1,096 |
| Net charge-offs to loans | 0.1103% | 2,275 |
| Credit loss provision to net charge-offs | 200.7874% | 1,386 |
| Earnings coverage of net charge-offs (x) | 18.8614% | 1,986 |
| Efficiency ratio | 65.2790% | 4,026 |
| Assets per employee ($millions) | 4.6890% | 2,743 |
| Cash dividends to net income (ytd only)* | 37.2177% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,658 |
| Loan loss allowance to noncurrent loans | 197.3488% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 3,668 |
| Noncurrent loans to loans | 0.6856% | 3,140 |
| Net loans and leases to total assets | 68.8226% | 2,570 |
| Net loans and leases to deposits | 77.3188% | 3,125 |
| Net loans and leases to core deposits | 85.2631% | 2,854 |
| Total domestic deposits to total assets | 89.0116% | 1,112 |
| Equity capital to assets | 7.8311% | 5,910 |
| Core capital (leverage) ratio | 8.1427% | 5,742 |
| Tier 1 risk-based capital ratio | 10.9049% | 5,572 |
| Total risk-based capital ratio | 12.1638% | 5,480 |
| Memoranda: | ||
| Average total assets | $837,430,200 | 829 |
| Average earning assets | $775,556,400 | 816 |
| Average equity | $65,193,400 | 1,161 |
| Average total loans | $575,668,600 | 814 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,073 |
| Cost of funding earning assets | 0.3723% | 3,517 |
| Net interest margin | 3.4316% | 3,830 |
| Noninterest income to average assets | 0.9403% | 1,343 |
| Noninterest expense to average assets | 2.6461% | 3,733 |
| Loan and lease loss provision to assets | 0.1566% | 1,384 |
| Net operating income to assets | 0.9366% | 2,771 |
| Return on assets (ROA) | 0.9472% | 2,826 |
| Pretax return on assets | 1.3329% | 2,270 |
| Return on Equity (ROE) | 12.1862% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.8458% | 1,306 |
| Net charge-offs to loans | 0.0237% | 3,465 |
| Credit loss provision to net charge-offs | 965.3465% | 381 |
| Earnings coverage of net charge-offs (x) | 90.8834% | 680 |
| Efficiency ratio | 64.2144% | 4,207 |
| Assets per employee ($millions) | 4.7106% | 2,680 |
| Cash dividends to net income (ytd only)* | 35.6174% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,560 |
| Loan loss allowance to noncurrent loans | 194.2791% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 3,820 |
| Noncurrent loans to loans | 0.7243% | 3,163 |
| Net loans and leases to total assets | 68.4563% | 2,613 |
| Net loans and leases to deposits | 78.5100% | 3,049 |
| Net loans and leases to core deposits | 88.1441% | 2,650 |
| Total domestic deposits to total assets | 87.1943% | 1,939 |
| Equity capital to assets | 7.7468% | 6,029 |
| Core capital (leverage) ratio | 8.0101% | 5,898 |
| Tier 1 risk-based capital ratio | 10.8193% | 5,748 |
| Total risk-based capital ratio | 12.0744% | 5,673 |
| Memoranda: | ||
| Average total assets | $829,921,250 | 848 |
| Average earning assets | $769,182,250 | 830 |
| Average equity | $64,508,750 | 1,181 |
| Average total loans | $568,285,500 | 831 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,213 |
| Cost of funding earning assets | 0.3783% | 3,515 |
| Net interest margin | 3.3808% | 3,969 |
| Noninterest income to average assets | 0.9414% | 1,330 |
| Noninterest expense to average assets | 2.6157% | 3,868 |
| Loan and lease loss provision to assets | 0.1587% | 1,342 |
| Net operating income to assets | 0.9206% | 2,782 |
| Return on assets (ROA) | 0.9348% | 2,831 |
| Pretax return on assets | 1.3244% | 2,266 |
| Return on Equity (ROE) | 12.0123% | 1,365 |
| Retained earnings to average equity (ytd only) | 7.8085% | 1,344 |
| Net charge-offs to loans | 0.0290% | 3,086 |
| Credit loss provision to net charge-offs | 802.4691% | 425 |
| Earnings coverage of net charge-offs (x) | 73.9877% | 749 |
| Efficiency ratio | 64.1288% | 4,338 |
| Assets per employee ($millions) | 4.7292% | 2,634 |
| Cash dividends to net income (ytd only)* | 34.9961% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,712 |
| Loan loss allowance to noncurrent loans | 184.1425% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 3,856 |
| Noncurrent loans to loans | 0.7654% | 3,199 |
| Net loans and leases to total assets | 67.8278% | 2,670 |
| Net loans and leases to deposits | 75.3808% | 3,330 |
| Net loans and leases to core deposits | 85.1996% | 2,858 |
| Total domestic deposits to total assets | 89.9802% | 669 |
| Equity capital to assets | 7.7262% | 6,071 |
| Core capital (leverage) ratio | 8.1261% | 5,849 |
| Tier 1 risk-based capital ratio | 10.9719% | 5,723 |
| Total risk-based capital ratio | 12.2318% | 5,636 |
| Memoranda: | ||
| Average total assets | $819,214,670 | 862 |
| Average earning assets | $760,230,330 | 843 |
| Average equity | $63,751,330 | 1,198 |
| Average total loans | $558,199,670 | 845 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,288 |
| Cost of funding earning assets | 0.4098% | 3,195 |
| Net interest margin | 3.3132% | 4,159 |
| Noninterest income to average assets | 0.9108% | 1,353 |
| Noninterest expense to average assets | 2.6228% | 3,853 |
| Loan and lease loss provision to assets | 0.1358% | 1,526 |
| Net operating income to assets | 0.8681% | 2,914 |
| Return on assets (ROA) | 0.8822% | 2,962 |
| Pretax return on assets | 1.2489% | 2,472 |
| Return on Equity (ROE) | 11.2940% | 1,555 |
| Retained earnings to average equity (ytd only) | 7.1859% | 1,930 |
| Net charge-offs to loans | 0.0430% | 2,379 |
| Credit loss provision to net charge-offs | 466.1017% | 580 |
| Earnings coverage of net charge-offs (x) | 46.8644% | 879 |
| Efficiency ratio | 65.7712% | 4,197 |
| Assets per employee ($millions) | 4.6531% | 2,832 |
| Cash dividends to net income (ytd only)* | 36.3738% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,913 |
| Loan loss allowance to noncurrent loans | 204.6929% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 4,162 |
| Noncurrent loans to loans | 0.6843% | 3,569 |
| Net loans and leases to total assets | 67.1118% | 2,594 |
| Net loans and leases to deposits | 73.9378% | 3,325 |
| Net loans and leases to core deposits | 84.4208% | 2,726 |
| Total domestic deposits to total assets | 90.7679% | 449 |
| Equity capital to assets | 7.8918% | 6,068 |
| Core capital (leverage) ratio | 8.2918% | 5,737 |
| Tier 1 risk-based capital ratio | 11.2643% | 5,682 |
| Total risk-based capital ratio | 12.5102% | 5,597 |
| Memoranda: | ||
| Average total assets | $810,289,500 | 873 |
| Average earning assets | $752,505,000 | 852 |
| Average equity | $63,290,500 | 1,203 |
| Average total loans | $549,359,500 | 855 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 4,200 |
| Cost of funding earning assets | 0.4522% | 3,146 |
| Net interest margin | 3.4297% | 4,068 |
| Noninterest income to average assets | 0.9023% | 1,497 |
| Noninterest expense to average assets | 2.6337% | 4,108 |
| Loan and lease loss provision to assets | 0.0968% | 2,533 |
| Net operating income to assets | 0.9754% | 2,504 |
| Return on assets (ROA) | 0.9883% | 2,522 |
| Pretax return on assets | 1.3636% | 2,024 |
| Return on Equity (ROE) | 12.6950% | 1,209 |
| Retained earnings to average equity (ytd only) | 8.3174% | 901 |
| Net charge-offs to loans | 0.0639% | 3,575 |
| Credit loss provision to net charge-offs | 224.5509% | 1,120 |
| Earnings coverage of net charge-offs (x) | 33.4551% | 1,238 |
| Efficiency ratio | 64.6124% | 4,474 |
| Assets per employee ($millions) | 4.6073% | 2,866 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 3,015 |
| Loan loss allowance to noncurrent loans | 160.3910% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 3,842 |
| Noncurrent loans to loans | 0.8643% | 3,158 |
| Net loans and leases to total assets | 66.5918% | 2,795 |
| Net loans and leases to deposits | 76.8996% | 3,100 |
| Net loans and leases to core deposits | 88.5545% | 2,440 |
| Total domestic deposits to total assets | 86.5958% | 2,514 |
| Equity capital to assets | 7.7291% | 6,169 |
| Core capital (leverage) ratio | 8.2089% | 5,851 |
| Tier 1 risk-based capital ratio | 11.2780% | 5,778 |
| Total risk-based capital ratio | 12.5279% | 5,698 |
| Memoranda: | ||
| Average total assets | $774,654,400 | 876 |
| Average earning assets | $716,863,800 | 858 |
| Average equity | $60,307,000 | 1,217 |
| Average total loans | $522,783,800 | 849 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 4,325 |
| Cost of funding earning assets | 0.4477% | 3,278 |
| Net interest margin | 3.4127% | 4,182 |
| Noninterest income to average assets | 0.8820% | 1,583 |
| Noninterest expense to average assets | 2.6049% | 4,188 |
| Loan and lease loss provision to assets | 0.1043% | 2,297 |
| Net operating income to assets | 0.9757% | 2,567 |
| Return on assets (ROA) | 0.9870% | 2,579 |
| Pretax return on assets | 1.3443% | 2,220 |
| Return on Equity (ROE) | 12.6543% | 1,307 |
| Retained earnings to average equity (ytd only) | 8.2735% | 1,231 |
| Net charge-offs to loans | 0.0327% | 3,831 |
| Credit loss provision to net charge-offs | 472.4409% | 602 |
| Earnings coverage of net charge-offs (x) | 64.8973% | 816 |
| Efficiency ratio | 64.5078% | 4,465 |
| Assets per employee ($millions) | 4.6419% | 2,749 |
| Cash dividends to net income (ytd only)* | 34.6194% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,115 |
| Loan loss allowance to noncurrent loans | 206.3212% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 4,519 |
| Noncurrent loans to loans | 0.6846% | 3,894 |
| Net loans and leases to total assets | 66.1046% | 2,850 |
| Net loans and leases to deposits | 74.1487% | 3,417 |
| Net loans and leases to core deposits | 83.7903% | 2,902 |
| Total domestic deposits to total assets | 89.1514% | 1,151 |
| Equity capital to assets | 7.7469% | 6,229 |
| Core capital (leverage) ratio | 8.1641% | 5,960 |
| Tier 1 risk-based capital ratio | 11.1569% | 5,930 |
| Total risk-based capital ratio | 12.4068% | 5,885 |
| Memoranda: | ||
| Average total assets | $766,748,500 | 888 |
| Average earning assets | $709,100,750 | 867 |
| Average equity | $59,804,250 | 1,231 |
| Average total loans | $517,364,000 | 863 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 4,283 |
| Cost of funding earning assets | 0.4399% | 3,440 |
| Net interest margin | 3.4251% | 4,082 |
| Noninterest income to average assets | 0.8780% | 1,563 |
| Noninterest expense to average assets | 2.6097% | 4,209 |
| Loan and lease loss provision to assets | 0.0994% | 2,366 |
| Net operating income to assets | 0.9789% | 2,416 |
| Return on assets (ROA) | 0.9936% | 2,422 |
| Pretax return on assets | 1.3543% | 2,068 |
| Return on Equity (ROE) | 12.7080% | 1,255 |
| Retained earnings to average equity (ytd only) | 8.8099% | 1,045 |
| Net charge-offs to loans | 0.0259% | 3,680 |
| Credit loss provision to net charge-offs | 568.1818% | 532 |
| Earnings coverage of net charge-offs (x) | 81.9545% | 647 |
| Efficiency ratio | 64.5451% | 4,606 |
| Assets per employee ($millions) | 4.5519% | 2,844 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 3,191 |
| Loan loss allowance to noncurrent loans | 191.5315% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 4,501 |
| Noncurrent loans to loans | 0.7473% | 3,835 |
| Net loans and leases to total assets | 66.2237% | 2,721 |
| Net loans and leases to deposits | 72.9352% | 3,456 |
| Net loans and leases to core deposits | 83.9406% | 2,744 |
| Total domestic deposits to total assets | 90.7980% | 474 |
| Equity capital to assets | 7.8663% | 6,229 |
| Core capital (leverage) ratio | 8.2654% | 5,877 |
| Tier 1 risk-based capital ratio | 11.4887% | 5,809 |
| Total risk-based capital ratio | 12.7386% | 5,759 |
| Memoranda: | ||
| Average total assets | $754,651,000 | 905 |
| Average earning assets | $697,385,330 | 883 |
| Average equity | $59,002,000 | 1,240 |
| Average total loans | $510,334,670 | 867 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 4,240 |
| Cost of funding earning assets | 0.4294% | 3,655 |
| Net interest margin | 3.4318% | 3,977 |
| Noninterest income to average assets | 0.8531% | 1,547 |
| Noninterest expense to average assets | 2.6559% | 4,095 |
| Loan and lease loss provision to assets | 0.0805% | 2,538 |
| Net operating income to assets | 0.9468% | 2,419 |
| Return on assets (ROA) | 0.9664% | 2,403 |
| Pretax return on assets | 1.3185% | 2,032 |
| Return on Equity (ROE) | 12.3995% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.4385% | 1,441 |
| Net charge-offs to loans | 0.0135% | 3,331 |
| Credit loss provision to net charge-offs | 882.3529% | 345 |
| Earnings coverage of net charge-offs (x) | 150.3529% | 324 |
| Efficiency ratio | 65.9336% | 4,539 |
| Assets per employee ($millions) | 4.6204% | 2,777 |
| Cash dividends to net income (ytd only)* | 31.9444% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 3,492 |
| Loan loss allowance to noncurrent loans | 162.0205% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 4,378 |
| Noncurrent loans to loans | 0.8788% | 3,689 |
| Net loans and leases to total assets | 66.3756% | 2,502 |
| Net loans and leases to deposits | 72.9885% | 3,203 |
| Net loans and leases to core deposits | 84.5545% | 2,457 |
| Total domestic deposits to total assets | 90.9399% | 597 |
| Equity capital to assets | 7.7762% | 6,192 |
| Core capital (leverage) ratio | 8.3066% | 5,838 |
| Tier 1 risk-based capital ratio | 11.5454% | 5,892 |
| Total risk-based capital ratio | 12.7954% | 5,844 |
| Memoranda: | ||
| Average total assets | $745,061,500 | 917 |
| Average earning assets | $689,312,500 | 896 |
| Average equity | $58,067,000 | 1,253 |
| Average total loans | $505,552,000 | 874 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 4,288 |
| Cost of funding earning assets | 0.3684% | 4,973 |
| Net interest margin | 3.5804% | 3,551 |
| Noninterest income to average assets | 0.8751% | 1,769 |
| Noninterest expense to average assets | 2.7341% | 3,980 |
| Loan and lease loss provision to assets | 0.0749% | 3,615 |
| Net operating income to assets | 1.0210% | 2,245 |
| Return on assets (ROA) | 1.0657% | 2,140 |
| Pretax return on assets | 1.4515% | 1,610 |
| Return on Equity (ROE) | 13.4960% | 1,067 |
| Retained earnings to average equity (ytd only) | 10.4702% | 492 |
| Net charge-offs to loans | 0.0834% | 4,045 |
| Credit loss provision to net charge-offs | 133.5878% | 1,754 |
| Earnings coverage of net charge-offs (x) | 26.1374% | 1,305 |
| Efficiency ratio | 65.1075% | 4,711 |
| Assets per employee ($millions) | 4.4932% | 2,911 |
| Cash dividends to net income (ytd only)* | 22.4200% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 3,537 |
| Loan loss allowance to noncurrent loans | 158.5946% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 4,398 |
| Noncurrent loans to loans | 0.8978% | 3,743 |
| Net loans and leases to total assets | 67.4172% | 2,455 |
| Net loans and leases to deposits | 78.6203% | 2,645 |
| Net loans and leases to core deposits | 89.9137% | 2,039 |
| Total domestic deposits to total assets | 85.7504% | 3,393 |
| Equity capital to assets | 7.8116% | 6,134 |
| Core capital (leverage) ratio | 8.3780% | 5,805 |
| Tier 1 risk-based capital ratio | 11.5751% | 5,866 |
| Total risk-based capital ratio | 12.8251% | 5,806 |
| Memoranda: | ||
| Average total assets | $701,046,000 | 942 |
| Average earning assets | $650,869,800 | 929 |
| Average equity | $55,357,000 | 1,289 |
| Average total loans | $471,424,400 | 904 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 4,342 |
| Cost of funding earning assets | 0.3575% | 5,222 |
| Net interest margin | 3.5851% | 3,514 |
| Noninterest income to average assets | 0.8878% | 1,800 |
| Noninterest expense to average assets | 2.6950% | 4,033 |
| Loan and lease loss provision to assets | 0.0721% | 3,619 |
| Net operating income to assets | 1.0663% | 2,129 |
| Return on assets (ROA) | 1.1265% | 1,968 |
| Pretax return on assets | 1.5362% | 1,507 |
| Return on Equity (ROE) | 14.2260% | 945 |
| Retained earnings to average equity (ytd only) | 11.3113% | 519 |
| Net charge-offs to loans | 0.0753% | 3,870 |
| Credit loss provision to net charge-offs | 143.1298% | 1,643 |
| Earnings coverage of net charge-offs (x) | 30.2790% | 1,231 |
| Efficiency ratio | 63.8505% | 4,822 |
| Assets per employee ($millions) | 4.4749% | 2,922 |
| Cash dividends to net income (ytd only)* | 20.4883% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 3,671 |
| Loan loss allowance to noncurrent loans | 691.9261% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,982 |
| Noncurrent loans to loans | 0.2100% | 5,714 |
| Net loans and leases to total assets | 66.9469% | 2,470 |
| Net loans and leases to deposits | 77.4724% | 2,746 |
| Net loans and leases to core deposits | 83.8466% | 2,670 |
| Total domestic deposits to total assets | 86.4139% | 3,020 |
| Equity capital to assets | 7.6351% | 6,337 |
| Core capital (leverage) ratio | 8.4291% | 5,830 |
| Tier 1 risk-based capital ratio | 11.6422% | 5,987 |
| Total risk-based capital ratio | 12.8924% | 5,947 |
| Memoranda: | ||
| Average total assets | $693,211,500 | 961 |
| Average earning assets | $644,473,500 | 947 |
| Average equity | $54,893,500 | 1,311 |
| Average total loans | $464,059,250 | 919 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 4,321 |
| Cost of funding earning assets | 0.3577% | 5,335 |
| Net interest margin | 3.5828% | 3,440 |
| Noninterest income to average assets | 0.8957% | 1,822 |
| Noninterest expense to average assets | 2.7056% | 4,007 |
| Loan and lease loss provision to assets | 0.0658% | 3,713 |
| Net operating income to assets | 1.0626% | 2,067 |
| Return on assets (ROA) | 1.1527% | 1,847 |
| Pretax return on assets | 1.5857% | 1,408 |
| Return on Equity (ROE) | 14.3760% | 932 |
| Retained earnings to average equity (ytd only) | 12.0973% | 475 |
| Net charge-offs to loans | 0.1071% | 3,289 |
| Credit loss provision to net charge-offs | 92.2131% | 2,391 |
| Earnings coverage of net charge-offs (x) | 21.4221% | 1,415 |
| Efficiency ratio | 63.9069% | 4,879 |
| Assets per employee ($millions) | 4.3281% | 3,127 |
| Cash dividends to net income (ytd only)* | 15.8509% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,676 |
| Loan loss allowance to noncurrent loans | 626.0987% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,010 |
| Noncurrent loans to loans | 0.2364% | 5,712 |
| Net loans and leases to total assets | 67.1105% | 2,394 |
| Net loans and leases to deposits | 76.2819% | 2,842 |
| Net loans and leases to core deposits | 79.9054% | 3,037 |
| Total domestic deposits to total assets | 87.9770% | 2,260 |
| Equity capital to assets | 7.8448% | 6,299 |
| Core capital (leverage) ratio | 8.4038% | 5,769 |
| Tier 1 risk-based capital ratio | 11.8272% | 5,902 |
| Total risk-based capital ratio | 13.0775% | 5,849 |
| Memoranda: | ||
| Average total assets | $684,128,000 | 974 |
| Average earning assets | $637,379,330 | 961 |
| Average equity | $54,855,330 | 1,312 |
| Average total loans | $455,599,000 | 932 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 4,387 |
| Cost of funding earning assets | 0.3701% | 5,370 |
| Net interest margin | 3.5545% | 3,461 |
| Noninterest income to average assets | 0.9248% | 1,676 |
| Noninterest expense to average assets | 2.6973% | 4,071 |
| Loan and lease loss provision to assets | 0.0441% | 3,865 |
| Net operating income to assets | 1.0577% | 2,006 |
| Return on assets (ROA) | 1.1542% | 1,763 |
| Pretax return on assets | 1.6354% | 1,225 |
| Return on Equity (ROE) | 14.2379% | 920 |
| Retained earnings to average equity (ytd only) | 14.2379% | 428 |
| Net charge-offs to loans | 0.0760% | 3,088 |
| Credit loss provision to net charge-offs | 88.2353% | 2,048 |
| Earnings coverage of net charge-offs (x) | 30.8706% | 950 |
| Efficiency ratio | 63.6011% | 5,066 |
| Assets per employee ($millions) | 4.4269% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,589 |
| Loan loss allowance to noncurrent loans | 519.3165% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 5,989 |
| Noncurrent loans to loans | 0.2997% | 5,651 |
| Net loans and leases to total assets | 63.6207% | 2,784 |
| Net loans and leases to deposits | 69.8897% | 3,498 |
| Net loans and leases to core deposits | 73.5564% | 3,633 |
| Total domestic deposits to total assets | 91.0302% | 517 |
| Equity capital to assets | 8.0420% | 6,358 |
| Core capital (leverage) ratio | 8.2533% | 5,876 |
| Tier 1 risk-based capital ratio | 12.0954% | 5,857 |
| Total risk-based capital ratio | 13.3453% | 5,805 |
| Memoranda: | ||
| Average total assets | $679,944,500 | 989 |
| Average earning assets | $634,351,500 | 974 |
| Average equity | $55,120,500 | 1,320 |
| Average total loans | $447,539,500 | 959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 4,781 |
| Cost of funding earning assets | 0.5189% | 5,078 |
| Net interest margin | 3.6283% | 3,973 |
| Noninterest income to average assets | 0.9714% | 1,627 |
| Noninterest expense to average assets | 2.8254% | 3,922 |
| Loan and lease loss provision to assets | 0.0721% | 4,834 |
| Net operating income to assets | 1.0377% | 2,176 |
| Return on assets (ROA) | 1.0618% | 2,271 |
| Pretax return on assets | 1.4678% | 1,787 |
| Return on Equity (ROE) | 13.1076% | 1,198 |
| Retained earnings to average equity (ytd only) | 9.1894% | 765 |
| Net charge-offs to loans | 0.1122% | 4,550 |
| Credit loss provision to net charge-offs | 99.7783% | 3,107 |
| Earnings coverage of net charge-offs (x) | 20.8426% | 1,332 |
| Efficiency ratio | 65.2290% | 4,663 |
| Assets per employee ($millions) | 4.2894% | 3,379 |
| Cash dividends to net income (ytd only)* | 29.8929% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,442 |
| Loan loss allowance to noncurrent loans | 808.3141% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 6,245 |
| Noncurrent loans to loans | 0.1942% | 5,980 |
| Net loans and leases to total assets | 66.0149% | 2,524 |
| Net loans and leases to deposits | 73.3410% | 3,202 |
| Net loans and leases to core deposits | 77.3899% | 3,349 |
| Total domestic deposits to total assets | 90.0110% | 945 |
| Equity capital to assets | 8.1742% | 6,303 |
| Core capital (leverage) ratio | 8.2611% | 5,930 |
| Tier 1 risk-based capital ratio | 11.9551% | 5,819 |
| Total risk-based capital ratio | 13.2049% | 5,772 |
| Memoranda: | ||
| Average total assets | $624,119,600 | 1,059 |
| Average earning assets | $577,979,600 | 1,048 |
| Average equity | $50,558,400 | 1,398 |
| Average total loans | $401,815,200 | 1,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 4,998 |
| Cost of funding earning assets | 0.5406% | 5,159 |
| Net interest margin | 3.6072% | 4,209 |
| Noninterest income to average assets | 0.9764% | 1,577 |
| Noninterest expense to average assets | 2.8541% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0683% | 2,223 |
| Return on assets (ROA) | 1.1024% | 2,277 |
| Pretax return on assets | 1.5061% | 1,860 |
| Return on Equity (ROE) | 13.6417% | 1,188 |
| Retained earnings to average equity (ytd only) | 11.1289% | 662 |
| Net charge-offs to loans | 0.0130% | 5,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 176.8261% | 256 |
| Efficiency ratio | 66.1665% | 4,419 |
| Assets per employee ($millions) | 4.3710% | 3,130 |
| Cash dividends to net income (ytd only)* | 18.4201% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,366 |
| Loan loss allowance to noncurrent loans | 152.4967% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 4,942 |
| Noncurrent loans to loans | 1.0767% | 4,287 |
| Net loans and leases to total assets | 63.6175% | 3,088 |
| Net loans and leases to deposits | 71.3786% | 3,692 |
| Net loans and leases to core deposits | 75.3761% | 3,806 |
| Total domestic deposits to total assets | 89.1268% | 1,356 |
| Equity capital to assets | 8.2762% | 6,437 |
| Core capital (leverage) ratio | 8.3263% | 5,969 |
| Tier 1 risk-based capital ratio | 12.2218% | 5,821 |
| Total risk-based capital ratio | 13.4717% | 5,796 |
| Memoranda: | ||
| Average total assets | $613,934,750 | 1,086 |
| Average earning assets | $567,960,500 | 1,073 |
| Average equity | $49,611,250 | 1,441 |
| Average total loans | $390,792,500 | 1,081 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 5,062 |
| Cost of funding earning assets | 0.5605% | 5,224 |
| Net interest margin | 3.6065% | 4,229 |
| Noninterest income to average assets | 0.8886% | 1,826 |
| Noninterest expense to average assets | 2.8472% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0195% | 2,382 |
| Return on assets (ROA) | 1.0733% | 2,377 |
| Pretax return on assets | 1.4396% | 2,051 |
| Return on Equity (ROE) | 13.3997% | 1,257 |
| Retained earnings to average equity (ytd only) | 9.5088% | 1,111 |
| Net charge-offs to loans | 0.0105% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 205.2000% | 219 |
| Efficiency ratio | 67.5471% | 4,224 |
| Assets per employee ($millions) | 4.2857% | 3,277 |
| Cash dividends to net income (ytd only)* | 29.0373% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 3,127 |
| Loan loss allowance to noncurrent loans | 120.9459% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 4,566 |
| Noncurrent loans to loans | 1.4255% | 3,776 |
| Net loans and leases to total assets | 62.3146% | 3,369 |
| Net loans and leases to deposits | 69.6919% | 3,944 |
| Net loans and leases to core deposits | 73.8227% | 4,059 |
| Total domestic deposits to total assets | 89.4145% | 1,266 |
| Equity capital to assets | 8.1390% | 6,495 |
| Core capital (leverage) ratio | 8.3790% | 5,818 |
| Tier 1 risk-based capital ratio | 12.3798% | 5,661 |
| Total risk-based capital ratio | 13.6299% | 5,648 |
| Memoranda: | ||
| Average total assets | $600,028,000 | 1,111 |
| Average earning assets | $553,450,670 | 1,099 |
| Average equity | $48,060,670 | 1,466 |
| Average total loans | $379,698,670 | 1,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 4,883 |
| Cost of funding earning assets | 0.5454% | 5,524 |
| Net interest margin | 3.7162% | 3,758 |
| Noninterest income to average assets | 0.9181% | 1,674 |
| Noninterest expense to average assets | 2.8893% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0525% | 2,276 |
| Return on assets (ROA) | 1.1606% | 2,033 |
| Pretax return on assets | 1.5979% | 1,588 |
| Return on Equity (ROE) | 14.6190% | 1,058 |
| Retained earnings to average equity (ytd only) | 10.9317% | 1,044 |
| Net charge-offs to loans | -0.0142% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5873% | 4,447 |
| Assets per employee ($millions) | 4.1850% | 3,607 |
| Cash dividends to net income (ytd only)* | 25.2226% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,756 |
| Loan loss allowance to noncurrent loans | 121.0354% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 4,595 |
| Noncurrent loans to loans | 1.5485% | 3,790 |
| Net loans and leases to total assets | 60.5165% | 3,551 |
| Net loans and leases to deposits | 68.3411% | 4,003 |
| Net loans and leases to core deposits | 72.8412% | 4,041 |
| Total domestic deposits to total assets | 88.5507% | 1,982 |
| Equity capital to assets | 7.6835% | 6,703 |
| Core capital (leverage) ratio | 8.2680% | 5,928 |
| Tier 1 risk-based capital ratio | 12.1372% | 5,872 |
| Total risk-based capital ratio | 13.3872% | 5,850 |
| Memoranda: | ||
| Average total assets | $580,757,500 | 1,163 |
| Average earning assets | $534,637,000 | 1,145 |
| Average equity | $46,104,500 | 1,510 |
| Average total loans | $367,096,500 | 1,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 5,313 |
| Cost of funding earning assets | 0.6335% | 5,905 |
| Net interest margin | 3.7962% | 3,835 |
| Noninterest income to average assets | 0.9930% | 1,389 |
| Noninterest expense to average assets | 2.9925% | 3,621 |
| Loan and lease loss provision to assets | 0.1805% | 4,390 |
| Net operating income to assets | 0.9826% | 2,267 |
| Return on assets (ROA) | 1.0390% | 2,196 |
| Pretax return on assets | 1.4018% | 1,787 |
| Return on Equity (ROE) | 12.6676% | 1,240 |
| Retained earnings to average equity (ytd only) | 8.7909% | 859 |
| Net charge-offs to loans | 0.1222% | 5,166 |
| Credit loss provision to net charge-offs | 238.2716% | 1,018 |
| Earnings coverage of net charge-offs (x) | 19.8840% | 1,153 |
| Efficiency ratio | 66.5198% | 4,654 |
| Assets per employee ($millions) | 3.9063% | 4,058 |
| Cash dividends to net income (ytd only)* | 30.6031% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 2,430 |
| Loan loss allowance to noncurrent loans | 117.5453% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 4,470 |
| Noncurrent loans to loans | 1.6547% | 3,680 |
| Net loans and leases to total assets | 63.6299% | 3,264 |
| Net loans and leases to deposits | 76.5565% | 3,080 |
| Net loans and leases to core deposits | 82.5726% | 3,093 |
| Total domestic deposits to total assets | 83.1150% | 4,702 |
| Equity capital to assets | 8.2179% | 6,422 |
| Core capital (leverage) ratio | 8.4201% | 5,688 |
| Tier 1 risk-based capital ratio | 12.5923% | 5,375 |
| Total risk-based capital ratio | 13.8423% | 5,367 |
| Memoranda: | ||
| Average total assets | $534,662,800 | 1,246 |
| Average earning assets | $493,755,600 | 1,226 |
| Average equity | $43,852,000 | 1,543 |
| Average total loans | $331,288,400 | 1,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 5,563 |
| Cost of funding earning assets | 0.6637% | 5,970 |
| Net interest margin | 3.7509% | 4,105 |
| Noninterest income to average assets | 1.0167% | 1,302 |
| Noninterest expense to average assets | 2.9926% | 3,579 |
| Loan and lease loss provision to assets | 0.2102% | 3,924 |
| Net operating income to assets | 0.9583% | 2,491 |
| Return on assets (ROA) | 1.0351% | 2,349 |
| Pretax return on assets | 1.3863% | 1,979 |
| Return on Equity (ROE) | 12.6270% | 1,378 |
| Retained earnings to average equity (ytd only) | 8.7578% | 1,231 |
| Net charge-offs to loans | 0.1596% | 4,502 |
| Credit loss provision to net charge-offs | 215.2062% | 1,337 |
| Earnings coverage of net charge-offs (x) | 15.2964% | 1,477 |
| Efficiency ratio | 66.7003% | 4,585 |
| Assets per employee ($millions) | 3.8003% | 4,305 |
| Cash dividends to net income (ytd only)* | 30.6421% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 2,305 |
| Loan loss allowance to noncurrent loans | 114.1531% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 4,540 |
| Noncurrent loans to loans | 1.7625% | 3,690 |
| Net loans and leases to total assets | 62.1633% | 3,686 |
| Net loans and leases to deposits | 70.7549% | 4,176 |
| Net loans and leases to core deposits | 75.9523% | 4,201 |
| Total domestic deposits to total assets | 87.8573% | 2,126 |
| Equity capital to assets | 8.5584% | 6,239 |
| Core capital (leverage) ratio | 8.2936% | 5,986 |
| Tier 1 risk-based capital ratio | 12.7815% | 5,264 |
| Total risk-based capital ratio | 14.0316% | 5,251 |
| Memoranda: | ||
| Average total assets | $529,655,500 | 1,267 |
| Average earning assets | $489,966,000 | 1,244 |
| Average equity | $43,419,000 | 1,560 |
| Average total loans | $324,122,750 | 1,315 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 5,797 |
| Cost of funding earning assets | 0.7000% | 5,958 |
| Net interest margin | 3.6679% | 4,424 |
| Noninterest income to average assets | 0.9887% | 1,353 |
| Noninterest expense to average assets | 2.9856% | 3,697 |
| Loan and lease loss provision to assets | 0.1235% | 4,744 |
| Net operating income to assets | 0.9606% | 2,390 |
| Return on assets (ROA) | 0.9606% | 2,493 |
| Pretax return on assets | 1.2684% | 2,245 |
| Return on Equity (ROE) | 11.8973% | 1,524 |
| Retained earnings to average equity (ytd only) | 7.9441% | 1,479 |
| Net charge-offs to loans | 0.2125% | 3,864 |
| Credit loss provision to net charge-offs | 96.1538% | 3,268 |
| Earnings coverage of net charge-offs (x) | 10.8373% | 1,764 |
| Efficiency ratio | 68.2031% | 4,481 |
| Assets per employee ($millions) | 3.9262% | 3,933 |
| Cash dividends to net income (ytd only)* | 33.2278% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,491 |
| Loan loss allowance to noncurrent loans | 106.0551% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 4,599 |
| Noncurrent loans to loans | 1.8435% | 3,691 |
| Net loans and leases to total assets | 59.9277% | 4,284 |
| Net loans and leases to deposits | 68.0949% | 4,695 |
| Net loans and leases to core deposits | 73.1485% | 4,690 |
| Total domestic deposits to total assets | 88.0062% | 2,133 |
| Equity capital to assets | 8.2482% | 6,473 |
| Core capital (leverage) ratio | 8.1372% | 6,114 |
| Tier 1 risk-based capital ratio | 12.8648% | 5,032 |
| Total risk-based capital ratio | 14.1147% | 5,003 |
| Memoranda: | ||
| Average total assets | $526,324,670 | 1,278 |
| Average earning assets | $486,267,670 | 1,260 |
| Average equity | $42,497,000 | 1,572 |
| Average total loans | $318,046,670 | 1,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 5,952 |
| Cost of funding earning assets | 0.7078% | 6,090 |
| Net interest margin | 3.6121% | 4,516 |
| Noninterest income to average assets | 0.9344% | 1,528 |
| Noninterest expense to average assets | 2.9838% | 3,710 |
| Loan and lease loss provision to assets | 0.1498% | 4,145 |
| Net operating income to assets | 0.8384% | 2,839 |
| Return on assets (ROA) | 0.8384% | 2,900 |
| Pretax return on assets | 1.1342% | 2,628 |
| Return on Equity (ROE) | 10.4998% | 1,910 |
| Retained earnings to average equity (ytd only) | 6.7465% | 2,261 |
| Net charge-offs to loans | 0.1036% | 3,917 |
| Credit loss provision to net charge-offs | 240.7407% | 1,290 |
| Earnings coverage of net charge-offs (x) | 20.6296% | 1,105 |
| Efficiency ratio | 69.9136% | 4,294 |
| Assets per employee ($millions) | 3.7704% | 4,368 |
| Cash dividends to net income (ytd only)* | 35.7470% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0960% | 2,196 |
| Loan loss allowance to noncurrent loans | 108.5624% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 4,616 |
| Noncurrent loans to loans | 1.9307% | 3,660 |
| Net loans and leases to total assets | 58.0057% | 4,646 |
| Net loans and leases to deposits | 65.9646% | 4,984 |
| Net loans and leases to core deposits | 70.7392% | 4,960 |
| Total domestic deposits to total assets | 87.9346% | 2,411 |
| Equity capital to assets | 7.9690% | 6,529 |
| Core capital (leverage) ratio | 8.2612% | 5,882 |
| Tier 1 risk-based capital ratio | 13.1690% | 4,690 |
| Total risk-based capital ratio | 14.4191% | 4,665 |
| Memoranda: | ||
| Average total assets | $520,544,500 | 1,300 |
| Average earning assets | $480,391,500 | 1,284 |
| Average equity | $41,562,500 | 1,609 |
| Average total loans | $312,685,000 | 1,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 5,525 |
| Cost of funding earning assets | 0.7551% | 6,721 |
| Net interest margin | 4.0158% | 2,956 |
| Noninterest income to average assets | 0.9253% | 1,757 |
| Noninterest expense to average assets | 3.0302% | 3,728 |
| Loan and lease loss provision to assets | 0.4938% | 3,184 |
| Net operating income to assets | 0.8105% | 2,749 |
| Return on assets (ROA) | 0.9195% | 2,441 |
| Pretax return on assets | 1.2516% | 2,077 |
| Return on Equity (ROE) | 11.1725% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.2209% | 909 |
| Net charge-offs to loans | 0.2947% | 4,546 |
| Credit loss provision to net charge-offs | 274.5434% | 994 |
| Earnings coverage of net charge-offs (x) | 8.8733% | 1,908 |
| Efficiency ratio | 65.4993% | 5,070 |
| Assets per employee ($millions) | 3.6923% | 4,485 |
| Cash dividends to net income (ytd only)* | 26.4180% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0603% | 2,153 |
| Loan loss allowance to noncurrent loans | 115.0179% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 4,790 |
| Noncurrent loans to loans | 1.7913% | 3,828 |
| Net loans and leases to total assets | 59.6586% | 4,733 |
| Net loans and leases to deposits | 72.2114% | 4,482 |
| Net loans and leases to core deposits | 77.4009% | 4,534 |
| Total domestic deposits to total assets | 82.6165% | 4,968 |
| Equity capital to assets | 8.0002% | 6,498 |
| Core capital (leverage) ratio | 8.2193% | 5,800 |
| Tier 1 risk-based capital ratio | 12.9381% | 4,646 |
| Total risk-based capital ratio | 14.1880% | 4,621 |
| Memoranda: | ||
| Average total assets | $486,994,200 | 1,370 |
| Average earning assets | $448,826,000 | 1,362 |
| Average equity | $40,080,600 | 1,655 |
| Average total loans | $297,275,000 | 1,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 5,590 |
| Cost of funding earning assets | 0.7720% | 6,838 |
| Net interest margin | 4.0444% | 2,886 |
| Noninterest income to average assets | 0.9322% | 1,679 |
| Noninterest expense to average assets | 3.0286% | 3,650 |
| Loan and lease loss provision to assets | 0.6008% | 2,542 |
| Net operating income to assets | 0.7648% | 3,159 |
| Return on assets (ROA) | 0.9142% | 2,701 |
| Pretax return on assets | 1.2325% | 2,385 |
| Return on Equity (ROE) | 11.0250% | 1,775 |
| Retained earnings to average equity (ytd only) | 8.6152% | 1,195 |
| Net charge-offs to loans | 0.2067% | 4,705 |
| Credit loss provision to net charge-offs | 475.8242% | 628 |
| Earnings coverage of net charge-offs (x) | 12.9209% | 1,637 |
| Efficiency ratio | 64.9893% | 5,053 |
| Assets per employee ($millions) | 3.7923% | 4,287 |
| Cash dividends to net income (ytd only)* | 21.8580% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 1,804 |
| Loan loss allowance to noncurrent loans | 117.4322% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 4,881 |
| Noncurrent loans to loans | 1.8746% | 3,833 |
| Net loans and leases to total assets | 58.3273% | 5,207 |
| Net loans and leases to deposits | 69.4433% | 5,222 |
| Net loans and leases to core deposits | 76.0119% | 5,056 |
| Total domestic deposits to total assets | 83.9927% | 4,133 |
| Equity capital to assets | 8.3737% | 6,423 |
| Core capital (leverage) ratio | 8.3574% | 5,775 |
| Tier 1 risk-based capital ratio | 12.8820% | 4,665 |
| Total risk-based capital ratio | 14.1321% | 4,654 |
| Memoranda: | ||
| Average total assets | $480,434,250 | 1,414 |
| Average earning assets | $442,835,000 | 1,391 |
| Average equity | $39,835,750 | 1,675 |
| Average total loans | $293,436,500 | 1,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 5,471 |
| Cost of funding earning assets | 0.7756% | 6,988 |
| Net interest margin | 4.1079% | 2,519 |
| Noninterest income to average assets | 0.9279% | 1,590 |
| Noninterest expense to average assets | 3.0200% | 3,636 |
| Loan and lease loss provision to assets | 0.4741% | 2,943 |
| Net operating income to assets | 0.9165% | 2,491 |
| Return on assets (ROA) | 0.9165% | 2,593 |
| Pretax return on assets | 1.2183% | 2,356 |
| Return on Equity (ROE) | 11.0923% | 1,720 |
| Retained earnings to average equity (ytd only) | 9.5553% | 952 |
| Net charge-offs to loans | 0.2206% | 4,279 |
| Credit loss provision to net charge-offs | 348.9097% | 1,047 |
| Earnings coverage of net charge-offs (x) | 12.4548% | 1,676 |
| Efficiency ratio | 64.0855% | 5,322 |
| Assets per employee ($millions) | 3.7279% | 4,385 |
| Cash dividends to net income (ytd only)* | 13.8568% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9262% | 2,353 |
| Loan loss allowance to noncurrent loans | 97.0433% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,729 |
| Noncurrent loans to loans | 1.9849% | 3,742 |
| Net loans and leases to total assets | 59.5420% | 5,147 |
| Net loans and leases to deposits | 68.7313% | 5,453 |
| Net loans and leases to core deposits | 75.3064% | 5,279 |
| Total domestic deposits to total assets | 86.6302% | 2,738 |
| Equity capital to assets | 8.5007% | 6,163 |
| Core capital (leverage) ratio | 8.3500% | 5,668 |
| Tier 1 risk-based capital ratio | 12.6626% | 4,720 |
| Total risk-based capital ratio | 13.9040% | 4,699 |
| Memoranda: | ||
| Average total assets | $472,453,670 | 1,444 |
| Average earning assets | $435,256,330 | 1,428 |
| Average equity | $39,036,000 | 1,699 |
| Average total loans | $290,978,330 | 1,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 5,417 |
| Cost of funding earning assets | 0.7752% | 7,164 |
| Net interest margin | 4.1343% | 2,303 |
| Noninterest income to average assets | 0.9085% | 1,591 |
| Noninterest expense to average assets | 3.0088% | 3,647 |
| Loan and lease loss provision to assets | 0.4306% | 2,803 |
| Net operating income to assets | 0.9145% | 2,491 |
| Return on assets (ROA) | 0.9145% | 2,559 |
| Pretax return on assets | 1.2719% | 2,133 |
| Return on Equity (ROE) | 11.2390% | 1,709 |
| Retained earnings to average equity (ytd only) | 8.0641% | 1,681 |
| Net charge-offs to loans | 0.4052% | 2,823 |
| Credit loss provision to net charge-offs | 171.2329% | 2,120 |
| Earnings coverage of net charge-offs (x) | 6.7705% | 2,165 |
| Efficiency ratio | 63.8640% | 5,523 |
| Assets per employee ($millions) | 3.5970% | 4,832 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 2,802 |
| Loan loss allowance to noncurrent loans | 261.4913% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 6,430 |
| Noncurrent loans to loans | 0.6793% | 5,976 |
| Net loans and leases to total assets | 60.0787% | 5,109 |
| Net loans and leases to deposits | 68.9630% | 5,474 |
| Net loans and leases to core deposits | 74.8950% | 5,401 |
| Total domestic deposits to total assets | 87.1173% | 2,569 |
| Equity capital to assets | 8.4151% | 6,141 |
| Core capital (leverage) ratio | 8.5191% | 5,343 |
| Tier 1 risk-based capital ratio | 12.7032% | 4,554 |
| Total risk-based capital ratio | 13.9447% | 4,529 |
| Memoranda: | ||
| Average total assets | $464,500,000 | 1,508 |
| Average earning assets | $427,250,000 | 1,496 |
| Average equity | $37,797,000 | 1,781 |
| Average total loans | $288,222,000 | 1,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 6,167 |
| Cost of funding earning assets | 1.1197% | 6,916 |
| Net interest margin | 3.9582% | 3,039 |
| Noninterest income to average assets | 1.0586% | 1,378 |
| Noninterest expense to average assets | 3.2028% | 3,369 |
| Loan and lease loss provision to assets | 0.3959% | 4,424 |
| Net operating income to assets | 0.7884% | 2,576 |
| Return on assets (ROA) | 0.9225% | 2,165 |
| Pretax return on assets | 1.2883% | 1,726 |
| Return on Equity (ROE) | 11.6573% | 1,251 |
| Retained earnings to average equity (ytd only) | 8.4986% | 583 |
| Net charge-offs to loans | 0.1085% | 6,068 |
| Credit loss provision to net charge-offs | 605.2632% | 489 |
| Earnings coverage of net charge-offs (x) | 22.9018% | 950 |
| Efficiency ratio | 68.0094% | 5,004 |
| Assets per employee ($millions) | 3.5487% | 4,892 |
| Cash dividends to net income (ytd only)* | 27.0963% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 2,885 |
| Loan loss allowance to noncurrent loans | 212.2731% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 6,192 |
| Noncurrent loans to loans | 0.8028% | 5,674 |
| Net loans and leases to total assets | 61.8876% | 5,013 |
| Net loans and leases to deposits | 74.0938% | 5,023 |
| Net loans and leases to core deposits | 86.6878% | 5,453 |
| Total domestic deposits to total assets | 83.5260% | 4,267 |
| Equity capital to assets | 7.8510% | 6,717 |
| Core capital (leverage) ratio | 8.0077% | 6,178 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,238 |
| Total risk-based capital ratio | 12.9031% | 5,199 |
| Memoranda: | ||
| Average total assets | $435,676,800 | 1,591 |
| Average earning assets | $400,911,000 | 1,587 |
| Average equity | $34,476,200 | 1,952 |
| Average total loans | $262,560,400 | 1,813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 6,392 |
| Cost of funding earning assets | 1.2184% | 6,842 |
| Net interest margin | 3.8486% | 3,437 |
| Noninterest income to average assets | 1.0641% | 1,402 |
| Noninterest expense to average assets | 3.2366% | 3,169 |
| Loan and lease loss provision to assets | 0.2495% | 4,957 |
| Net operating income to assets | 0.8042% | 2,795 |
| Return on assets (ROA) | 0.8939% | 2,516 |
| Pretax return on assets | 1.2457% | 2,121 |
| Return on Equity (ROE) | 11.2731% | 1,553 |
| Retained earnings to average equity (ytd only) | 7.3056% | 1,395 |
| Net charge-offs to loans | 0.1171% | 5,521 |
| Credit loss provision to net charge-offs | 357.7778% | 1,143 |
| Earnings coverage of net charge-offs (x) | 19.6535% | 1,275 |
| Efficiency ratio | 70.1224% | 4,564 |
| Assets per employee ($millions) | 3.5056% | 4,915 |
| Cash dividends to net income (ytd only)* | 35.1942% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 3,593 |
| Loan loss allowance to noncurrent loans | 175.5633% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 6,179 |
| Noncurrent loans to loans | 0.8377% | 5,621 |
| Net loans and leases to total assets | 60.4954% | 5,506 |
| Net loans and leases to deposits | 71.8541% | 5,676 |
| Net loans and leases to core deposits | 86.1749% | 5,850 |
| Total domestic deposits to total assets | 84.1920% | 3,633 |
| Equity capital to assets | 7.9040% | 6,944 |
| Core capital (leverage) ratio | 8.0783% | 6,225 |
| Tier 1 risk-based capital ratio | 11.6769% | 5,262 |
| Total risk-based capital ratio | 12.9353% | 5,207 |
| Memoranda: | ||
| Average total assets | $430,149,000 | 1,623 |
| Average earning assets | $396,014,500 | 1,619 |
| Average equity | $34,110,000 | 1,994 |
| Average total loans | $256,144,000 | 1,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 6,588 |
| Cost of funding earning assets | 1.3264% | 6,713 |
| Net interest margin | 3.7318% | 3,825 |
| Noninterest income to average assets | 1.0652% | 1,402 |
| Noninterest expense to average assets | 3.2843% | 3,033 |
| Loan and lease loss provision to assets | 0.2547% | 4,535 |
| Net operating income to assets | 0.7090% | 3,212 |
| Return on assets (ROA) | 0.8392% | 2,799 |
| Pretax return on assets | 1.1412% | 2,498 |
| Return on Equity (ROE) | 10.5711% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.4176% | 1,837 |
| Net charge-offs to loans | 0.1522% | 4,674 |
| Credit loss provision to net charge-offs | 284.2105% | 1,648 |
| Earnings coverage of net charge-offs (x) | 13.6105% | 1,727 |
| Efficiency ratio | 72.7901% | 4,247 |
| Assets per employee ($millions) | 3.3332% | 5,228 |
| Cash dividends to net income (ytd only)* | 39.2917% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 3,358 |
| Loan loss allowance to noncurrent loans | 160.5208% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 6,038 |
| Noncurrent loans to loans | 0.9147% | 5,388 |
| Net loans and leases to total assets | 59.6483% | 5,740 |
| Net loans and leases to deposits | 67.5815% | 6,242 |
| Net loans and leases to core deposits | 80.2906% | 6,385 |
| Total domestic deposits to total assets | 88.2612% | 1,643 |
| Equity capital to assets | 7.9277% | 6,834 |
| Core capital (leverage) ratio | 7.9025% | 6,488 |
| Tier 1 risk-based capital ratio | 12.0115% | 4,901 |
| Total risk-based capital ratio | 13.2459% | 4,839 |
| Memoranda: | ||
| Average total assets | $423,958,000 | 1,673 |
| Average earning assets | $390,693,670 | 1,661 |
| Average equity | $33,657,670 | 2,018 |
| Average total loans | $249,689,330 | 1,947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 6,813 |
| Cost of funding earning assets | 1.4192% | 6,665 |
| Net interest margin | 3.6263% | 4,207 |
| Noninterest income to average assets | 0.9911% | 1,510 |
| Noninterest expense to average assets | 3.2147% | 2,922 |
| Loan and lease loss provision to assets | 0.3516% | 3,205 |
| Net operating income to assets | 0.5604% | 4,182 |
| Return on assets (ROA) | 0.8191% | 3,202 |
| Pretax return on assets | 1.1251% | 2,893 |
| Return on Equity (ROE) | 10.3102% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.8369% | 2,698 |
| Net charge-offs to loans | 0.1735% | 3,594 |
| Credit loss provision to net charge-offs | 349.0566% | 1,445 |
| Earnings coverage of net charge-offs (x) | 11.1415% | 1,896 |
| Efficiency ratio | 73.9921% | 3,824 |
| Assets per employee ($millions) | 3.3336% | 5,240 |
| Cash dividends to net income (ytd only)* | 43.3875% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 2,786 |
| Loan loss allowance to noncurrent loans | 137.7581% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 5,597 |
| Noncurrent loans to loans | 1.1146% | 4,752 |
| Net loans and leases to total assets | 55.7101% | 6,281 |
| Net loans and leases to deposits | 62.5694% | 6,686 |
| Net loans and leases to core deposits | 74.7481% | 6,761 |
| Total domestic deposits to total assets | 89.0373% | 1,216 |
| Equity capital to assets | 7.8430% | 7,011 |
| Core capital (leverage) ratio | 8.1313% | 6,226 |
| Tier 1 risk-based capital ratio | 12.5390% | 4,518 |
| Total risk-based capital ratio | 13.7705% | 4,451 |
| Memoranda: | ||
| Average total assets | $420,945,000 | 1,694 |
| Average earning assets | $388,388,000 | 1,683 |
| Average equity | $33,442,500 | 2,028 |
| Average total loans | $244,384,000 | 1,994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 5,748 |
| Cost of funding earning assets | 1.9494% | 6,572 |
| Net interest margin | 4.0122% | 3,059 |
| Noninterest income to average assets | 0.8722% | 2,094 |
| Noninterest expense to average assets | 3.2951% | 2,978 |
| Loan and lease loss provision to assets | 0.1032% | 6,060 |
| Net operating income to assets | 0.8734% | 3,116 |
| Return on assets (ROA) | 0.8877% | 2,895 |
| Pretax return on assets | 1.1251% | 2,934 |
| Return on Equity (ROE) | 10.8732% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.8812% | 1,579 |
| Net charge-offs to loans | 0.3471% | 3,097 |
| Credit loss provision to net charge-offs | 51.0076% | 6,342 |
| Earnings coverage of net charge-offs (x) | 5.9836% | 3,474 |
| Efficiency ratio | 72.9971% | 3,752 |
| Assets per employee ($millions) | 3.1439% | 5,639 |
| Cash dividends to net income (ytd only)* | 45.9110% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 3,111 |
| Loan loss allowance to noncurrent loans | 137.0707% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 5,342 |
| Noncurrent loans to loans | 1.0320% | 4,522 |
| Net loans and leases to total assets | 58.7555% | 6,097 |
| Net loans and leases to deposits | 67.8222% | 6,480 |
| Net loans and leases to core deposits | 83.7179% | 6,315 |
| Total domestic deposits to total assets | 86.6316% | 2,128 |
| Equity capital to assets | 8.0507% | 6,778 |
| Core capital (leverage) ratio | 8.3217% | 5,912 |
| Tier 1 risk-based capital ratio | 12.2120% | 4,657 |
| Total risk-based capital ratio | 13.4443% | 4,563 |
| Memoranda: | ||
| Average total assets | $392,580,400 | 1,725 |
| Average earning assets | $355,487,400 | 1,741 |
| Average equity | $32,051,400 | 2,111 |
| Average total loans | $228,729,800 | 2,059 |