Home > The Nodaway Valley Bank > Performance and Condition Ratios
The Nodaway Valley 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 | 4.7036% | 2,676 |
| Cost of funding earning assets | 0.5702% | 4,112 |
| Net interest margin | 4.1334% | 1,030 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 2.5731% | 2,090 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.1919% | 344 |
| Return on assets (ROA) | 2.1919% | 335 |
| Pretax return on assets | 2.1919% | 497 |
| Return on Equity (ROE) | 37.6000% | 101 |
| Retained earnings to average equity (ytd only) | 17.9481% | 196 |
| Net charge-offs to loans | -0.0271% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.4480% | 3,718 |
| Assets per employee ($millions) | 8.3772% | 1,236 |
| Cash dividends to net income (ytd only)* | 52.2643% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 1,893 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,674 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.2800% | 2,538 |
| Net loans and leases to deposits | 74.3090% | 2,594 |
| Net loans and leases to core deposits | 79.0293% | 2,766 |
| Total domestic deposits to total assets | 85.1600% | 2,262 |
| Equity capital to assets | 6.8372% | 4,006 |
| Core capital (leverage) ratio | 10.8262% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8748% | 1,098 |
| Memoranda: | ||
| Average total assets | $1,347,953,600 | 771 |
| Average earning assets | $1,260,875,400 | 761 |
| Average equity | $78,582,200 | 1,146 |
| Average total loans | $840,628,200 | 831 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 2,736 |
| Cost of funding earning assets | 0.4622% | 4,186 |
| Net interest margin | 4.1137% | 1,040 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 2.5403% | 2,111 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.2397% | 353 |
| Return on assets (ROA) | 2.2397% | 346 |
| Pretax return on assets | 2.2397% | 531 |
| Return on Equity (ROE) | 40.2400% | 110 |
| Retained earnings to average equity (ytd only) | 17.3976% | 372 |
| Net charge-offs to loans | 0.0052% | 2,279 |
| Credit loss provision to net charge-offs | 1,906.2500% | 247 |
| Earnings coverage of net charge-offs (x) | 719.9688% | 220 |
| Efficiency ratio | 52.4753% | 3,722 |
| Assets per employee ($millions) | 8.0975% | 1,298 |
| Cash dividends to net income (ytd only)* | 56.7658% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 1,815 |
| Loan loss allowance to noncurrent loans | 7,185.8065% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,556 |
| Noncurrent loans to loans | 0.0183% | 3,642 |
| Net loans and leases to total assets | 62.7000% | 2,591 |
| Net loans and leases to deposits | 70.8635% | 2,785 |
| Net loans and leases to core deposits | 74.4743% | 2,964 |
| Total domestic deposits to total assets | 88.4800% | 1,417 |
| Equity capital to assets | 4.8939% | 4,269 |
| Core capital (leverage) ratio | 10.6999% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1495% | 1,075 |
| Memoranda: | ||
| Average total assets | $1,335,192,000 | 785 |
| Average earning assets | $1,249,568,250 | 765 |
| Average equity | $74,314,750 | 1,187 |
| Average total loans | $826,589,000 | 841 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 2,855 |
| Cost of funding earning assets | 0.3400% | 4,258 |
| Net interest margin | 4.0732% | 1,124 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.5416% | 2,090 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.2571% | 324 |
| Return on assets (ROA) | 2.2571% | 317 |
| Pretax return on assets | 2.2571% | 495 |
| Return on Equity (ROE) | 38.9800% | 111 |
| Retained earnings to average equity (ytd only) | 14.0612% | 668 |
| Net charge-offs to loans | 0.0015% | 2,343 |
| Credit loss provision to net charge-offs | 4,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 2,550.8333% | 50 |
| Efficiency ratio | 52.5706% | 3,735 |
| Assets per employee ($millions) | 8.0170% | 1,308 |
| Cash dividends to net income (ytd only)* | 63.9296% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,055 |
| Loan loss allowance to noncurrent loans | 1,168.1818% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 2,961 |
| Noncurrent loans to loans | 0.1089% | 2,933 |
| Net loans and leases to total assets | 62.2100% | 2,560 |
| Net loans and leases to deposits | 72.0059% | 2,648 |
| Net loans and leases to core deposits | 74.9048% | 2,837 |
| Total domestic deposits to total assets | 86.4000% | 2,116 |
| Equity capital to assets | 5.8797% | 4,191 |
| Core capital (leverage) ratio | 10.5573% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6581% | 1,177 |
| Memoranda: | ||
| Average total assets | $1,334,892,667 | 774 |
| Average earning assets | $1,249,433,667 | 757 |
| Average equity | $77,290,667 | 1,147 |
| Average total loans | $819,167,667 | 831 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 2,846 |
| Cost of funding earning assets | 0.2177% | 4,344 |
| Net interest margin | 4.0628% | 1,154 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.5838% | 1,997 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.0886% | 436 |
| Return on assets (ROA) | 2.0886% | 430 |
| Pretax return on assets | 2.0886% | 669 |
| Return on Equity (ROE) | 36.3600% | 143 |
| Retained earnings to average equity (ytd only) | -4.3647% | 4,302 |
| Net charge-offs to loans | -0.0005% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.0045% | 3,504 |
| Assets per employee ($millions) | 7.7951% | 1,459 |
| Cash dividends to net income (ytd only)* | 112.0046% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 1,893 |
| Loan loss allowance to noncurrent loans | 3,357.7287% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,409 |
| Noncurrent loans to loans | 0.0396% | 3,459 |
| Net loans and leases to total assets | 59.5800% | 2,703 |
| Net loans and leases to deposits | 66.5525% | 2,894 |
| Net loans and leases to core deposits | 68.6241% | 3,046 |
| Total domestic deposits to total assets | 89.5200% | 1,334 |
| Equity capital to assets | 6.0026% | 4,199 |
| Core capital (leverage) ratio | 10.1292% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7822% | 1,193 |
| Memoranda: | ||
| Average total assets | $1,328,907,000 | 791 |
| Average earning assets | $1,243,686,500 | 773 |
| Average equity | $76,340,000 | 1,168 |
| Average total loans | $804,404,500 | 853 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 2,649 |
| Cost of funding earning assets | 0.1560% | 4,092 |
| Net interest margin | 3.5004% | 1,934 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.4423% | 2,296 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.7197% | 523 |
| Return on assets (ROA) | 1.7197% | 495 |
| Pretax return on assets | 1.7197% | 880 |
| Return on Equity (ROE) | 25.4300% | 198 |
| Retained earnings to average equity (ytd only) | 18.2701% | 129 |
| Net charge-offs to loans | -0.0042% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3410% | 3,288 |
| Assets per employee ($millions) | 7.7480% | 1,464 |
| Cash dividends to net income (ytd only)* | 28.1630% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,864 |
| Loan loss allowance to noncurrent loans | 4,651.9824% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,501 |
| Noncurrent loans to loans | 0.0281% | 3,590 |
| Net loans and leases to total assets | 59.8900% | 2,638 |
| Net loans and leases to deposits | 66.6402% | 2,844 |
| Net loans and leases to core deposits | 68.6878% | 2,967 |
| Total domestic deposits to total assets | 89.8700% | 1,424 |
| Equity capital to assets | 5.4880% | 4,241 |
| Core capital (leverage) ratio | 9.9422% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6259% | 1,204 |
| Memoranda: | ||
| Average total assets | $1,358,647,200 | 756 |
| Average earning assets | $1,279,155,600 | 741 |
| Average equity | $91,865,800 | 1,011 |
| Average total loans | $763,186,400 | 848 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 2,701 |
| Cost of funding earning assets | 0.1509% | 3,835 |
| Net interest margin | 3.3226% | 2,226 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.4536% | 2,147 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5513% | 740 |
| Return on assets (ROA) | 1.5513% | 724 |
| Pretax return on assets | 1.5513% | 1,263 |
| Return on Equity (ROE) | 21.9400% | 293 |
| Retained earnings to average equity (ytd only) | 12.8485% | 640 |
| Net charge-offs to loans | -0.0037% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8959% | 2,996 |
| Assets per employee ($millions) | 8.1118% | 1,265 |
| Cash dividends to net income (ytd only)* | 41.4253% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 1,904 |
| Loan loss allowance to noncurrent loans | 3,087.6106% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,525 |
| Noncurrent loans to loans | 0.0430% | 3,579 |
| Net loans and leases to total assets | 57.4500% | 2,761 |
| Net loans and leases to deposits | 63.2898% | 2,922 |
| Net loans and leases to core deposits | 65.1793% | 3,009 |
| Total domestic deposits to total assets | 90.7700% | 1,331 |
| Equity capital to assets | 4.6315% | 4,369 |
| Core capital (leverage) ratio | 9.4083% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7629% | 1,488 |
| Memoranda: | ||
| Average total assets | $1,365,146,500 | 761 |
| Average earning assets | $1,287,279,250 | 750 |
| Average equity | $96,548,250 | 979 |
| Average total loans | $751,816,750 | 855 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 2,774 |
| Cost of funding earning assets | 0.1505% | 3,570 |
| Net interest margin | 3.1374% | 2,412 |
| Noninterest income to average assets | 0.8758% | 889 |
| Noninterest expense to average assets | 2.5130% | 1,891 |
| Loan and lease loss provision to assets | 0.0241% | 2,162 |
| Net operating income to assets | 1.2972% | 1,143 |
| Return on assets (ROA) | 1.2972% | 1,124 |
| Pretax return on assets | 1.2972% | 1,761 |
| Return on Equity (ROE) | 16.4667% | 639 |
| Retained earnings to average equity (ytd only) | 4.2609% | 2,992 |
| Net charge-offs to loans | -0.0030% | 3,200 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5398% | 2,570 |
| Assets per employee ($millions) | 8.2039% | 1,200 |
| Cash dividends to net income (ytd only)* | 74.1241% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,833 |
| Loan loss allowance to noncurrent loans | 4,414.4681% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,673 |
| Noncurrent loans to loans | 0.0313% | 3,720 |
| Net loans and leases to total assets | 53.7474% | 2,990 |
| Net loans and leases to deposits | 59.6591% | 3,078 |
| Net loans and leases to core deposits | 61.4186% | 3,164 |
| Total domestic deposits to total assets | 90.0909% | 1,674 |
| Equity capital to assets | 6.1225% | 4,170 |
| Core capital (leverage) ratio | 8.9724% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5730% | 1,554 |
| Memoranda: | ||
| Average total assets | $1,368,640,667 | 754 |
| Average earning assets | $1,290,627,333 | 747 |
| Average equity | $107,817,333 | 918 |
| Average total loans | $739,518,000 | 851 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1741% | 2,764 |
| Cost of funding earning assets | 0.1531% | 3,464 |
| Net interest margin | 3.0210% | 2,436 |
| Noninterest income to average assets | 0.8916% | 851 |
| Noninterest expense to average assets | 2.3358% | 2,379 |
| Loan and lease loss provision to assets | 0.0240% | 1,928 |
| Net operating income to assets | 1.3799% | 838 |
| Return on assets (ROA) | 1.3799% | 831 |
| Pretax return on assets | 1.3799% | 1,299 |
| Return on Equity (ROE) | 15.7445% | 556 |
| Retained earnings to average equity (ytd only) | 4.7886% | 2,672 |
| Net charge-offs to loans | 0.0016% | 1,773 |
| Credit loss provision to net charge-offs | 2,733.3333% | 156 |
| Earnings coverage of net charge-offs (x) | 1,595.6667% | 42 |
| Efficiency ratio | 62.4578% | 3,209 |
| Assets per employee ($millions) | 8.1567% | 1,282 |
| Cash dividends to net income (ytd only)* | 69.5855% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,896 |
| Loan loss allowance to noncurrent loans | 3,737.0909% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,706 |
| Noncurrent loans to loans | 0.0375% | 3,711 |
| Net loans and leases to total assets | 52.4470% | 2,948 |
| Net loans and leases to deposits | 59.4934% | 2,955 |
| Net loans and leases to core deposits | 61.3120% | 3,040 |
| Total domestic deposits to total assets | 88.1561% | 2,455 |
| Equity capital to assets | 7.6845% | 3,808 |
| Core capital (leverage) ratio | 9.1465% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8117% | 1,560 |
| Memoranda: | ||
| Average total assets | $1,363,835,000 | 759 |
| Average earning assets | $1,285,791,500 | 750 |
| Average equity | $119,534,000 | 864 |
| Average total loans | $733,702,500 | 849 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 2,532 |
| Cost of funding earning assets | 0.2140% | 3,328 |
| Net interest margin | 3.3297% | 2,240 |
| Noninterest income to average assets | 0.8906% | 1,231 |
| Noninterest expense to average assets | 2.5571% | 2,001 |
| Loan and lease loss provision to assets | 0.0495% | 2,064 |
| Net operating income to assets | 1.4033% | 1,268 |
| Return on assets (ROA) | 1.4020% | 1,325 |
| Pretax return on assets | 1.4020% | 2,048 |
| Return on Equity (ROE) | 13.3974% | 1,347 |
| Retained earnings to average equity (ytd only) | 2.5702% | 3,811 |
| Net charge-offs to loans | -0.0401% | 4,225 |
| Credit loss provision to net charge-offs | -220.2797% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7700% | 2,597 |
| Assets per employee ($millions) | 7.9833% | 1,344 |
| Cash dividends to net income (ytd only)* | 80.8154% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,955 |
| Loan loss allowance to noncurrent loans | 5,229.7436% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,844 |
| Noncurrent loans to loans | 0.0266% | 3,880 |
| Net loans and leases to total assets | 53.6588% | 2,891 |
| Net loans and leases to deposits | 62.3549% | 2,850 |
| Net loans and leases to core deposits | 64.4292% | 2,942 |
| Total domestic deposits to total assets | 86.0538% | 2,882 |
| Equity capital to assets | 9.8681% | 2,783 |
| Core capital (leverage) ratio | 9.3750% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7753% | 1,586 |
| Memoranda: | ||
| Average total assets | $1,271,890,200 | 783 |
| Average earning assets | $1,191,532,400 | 777 |
| Average equity | $133,100,200 | 782 |
| Average total loans | $712,983,600 | 865 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 2,433 |
| Cost of funding earning assets | 0.2258% | 3,365 |
| Net interest margin | 3.4204% | 2,095 |
| Noninterest income to average assets | 0.8894% | 1,278 |
| Noninterest expense to average assets | 2.4145% | 2,396 |
| Loan and lease loss provision to assets | 0.0502% | 1,992 |
| Net operating income to assets | 1.6256% | 969 |
| Return on assets (ROA) | 1.6239% | 1,021 |
| Pretax return on assets | 1.6239% | 1,632 |
| Return on Equity (ROE) | 15.2835% | 1,094 |
| Retained earnings to average equity (ytd only) | 2.7429% | 3,986 |
| Net charge-offs to loans | -0.0505% | 4,360 |
| Credit loss provision to net charge-offs | -176.1194% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0288% | 3,120 |
| Assets per employee ($millions) | 7.6951% | 1,450 |
| Cash dividends to net income (ytd only)* | 82.0530% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,908 |
| Loan loss allowance to noncurrent loans | 3,945.6693% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,561 |
| Noncurrent loans to loans | 0.0362% | 3,947 |
| Net loans and leases to total assets | 52.9343% | 3,088 |
| Net loans and leases to deposits | 61.7038% | 3,067 |
| Net loans and leases to core deposits | 63.8633% | 3,155 |
| Total domestic deposits to total assets | 85.7877% | 2,832 |
| Equity capital to assets | 10.3092% | 2,605 |
| Core capital (leverage) ratio | 9.5947% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2246% | 1,563 |
| Memoranda: | ||
| Average total assets | $1,252,566,500 | 802 |
| Average earning assets | $1,172,226,500 | 799 |
| Average equity | $133,090,500 | 797 |
| Average total loans | $707,691,000 | 887 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 2,958 |
| Cost of funding earning assets | 0.2365% | 3,417 |
| Net interest margin | 3.2387% | 2,643 |
| Noninterest income to average assets | 0.8442% | 1,409 |
| Noninterest expense to average assets | 2.4171% | 2,405 |
| Loan and lease loss provision to assets | 0.0511% | 2,016 |
| Net operating income to assets | 1.4029% | 1,555 |
| Return on assets (ROA) | 1.4029% | 1,620 |
| Pretax return on assets | 1.4029% | 2,332 |
| Return on Equity (ROE) | 13.0657% | 1,692 |
| Retained earnings to average equity (ytd only) | -2.9721% | 4,718 |
| Net charge-offs to loans | -0.0541% | 4,409 |
| Credit loss provision to net charge-offs | -164.0625% | 3,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4409% | 2,668 |
| Assets per employee ($millions) | 7.5044% | 1,473 |
| Cash dividends to net income (ytd only)* | 122.7472% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 2,072 |
| Loan loss allowance to noncurrent loans | 2,638.5445% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,592 |
| Noncurrent loans to loans | 0.0522% | 3,916 |
| Net loans and leases to total assets | 54.9743% | 3,020 |
| Net loans and leases to deposits | 64.1235% | 2,990 |
| Net loans and leases to core deposits | 66.3962% | 3,083 |
| Total domestic deposits to total assets | 85.7319% | 2,828 |
| Equity capital to assets | 10.4040% | 2,484 |
| Core capital (leverage) ratio | 9.3932% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6085% | 1,760 |
| Memoranda: | ||
| Average total assets | $1,234,033,000 | 807 |
| Average earning assets | $1,153,297,000 | 803 |
| Average equity | $132,500,000 | 796 |
| Average total loans | $709,424,333 | 888 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 2,746 |
| Cost of funding earning assets | 0.2498% | 3,478 |
| Net interest margin | 3.3148% | 2,348 |
| Noninterest income to average assets | 0.8553% | 1,449 |
| Noninterest expense to average assets | 2.4590% | 2,298 |
| Loan and lease loss provision to assets | 0.0521% | 2,061 |
| Net operating income to assets | 1.4376% | 1,474 |
| Return on assets (ROA) | 1.4376% | 1,548 |
| Pretax return on assets | 1.4376% | 2,174 |
| Return on Equity (ROE) | 13.1736% | 1,622 |
| Retained earnings to average equity (ytd only) | -13.2099% | 4,862 |
| Net charge-offs to loans | -0.1152% | 4,675 |
| Credit loss provision to net charge-offs | -77.4510% | 2,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2745% | 2,708 |
| Assets per employee ($millions) | 7.4389% | 1,490 |
| Cash dividends to net income (ytd only)* | 200.2752% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 2,106 |
| Loan loss allowance to noncurrent loans | 2,375.3695% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 3,612 |
| Noncurrent loans to loans | 0.0577% | 3,996 |
| Net loans and leases to total assets | 55.2485% | 3,123 |
| Net loans and leases to deposits | 63.9457% | 3,129 |
| Net loans and leases to core deposits | 66.2853% | 3,217 |
| Total domestic deposits to total assets | 86.3992% | 2,574 |
| Equity capital to assets | 9.9610% | 2,736 |
| Core capital (leverage) ratio | 9.7575% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3472% | 1,797 |
| Memoranda: | ||
| Average total assets | $1,213,173,000 | 812 |
| Average earning assets | $1,132,140,000 | 807 |
| Average equity | $132,385,500 | 790 |
| Average total loans | $708,574,000 | 891 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 2,830 |
| Cost of funding earning assets | 0.3168% | 4,048 |
| Net interest margin | 3.6510% | 1,975 |
| Noninterest income to average assets | 0.9427% | 1,166 |
| Noninterest expense to average assets | 2.6074% | 2,528 |
| Loan and lease loss provision to assets | 0.1236% | 2,820 |
| Net operating income to assets | 1.5902% | 656 |
| Return on assets (ROA) | 1.5902% | 712 |
| Pretax return on assets | 1.5902% | 1,097 |
| Return on Equity (ROE) | 12.1490% | 1,285 |
| Retained earnings to average equity (ytd only) | 2.5681% | 3,565 |
| Net charge-offs to loans | 0.0196% | 2,679 |
| Credit loss provision to net charge-offs | 984.8485% | 792 |
| Earnings coverage of net charge-offs (x) | 136.5758% | 623 |
| Efficiency ratio | 60.3397% | 3,406 |
| Assets per employee ($millions) | 6.8775% | 1,659 |
| Cash dividends to net income (ytd only)* | 78.8618% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,399 |
| Loan loss allowance to noncurrent loans | 2,119.1781% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 3,631 |
| Noncurrent loans to loans | 0.0614% | 4,044 |
| Net loans and leases to total assets | 60.1838% | 2,839 |
| Net loans and leases to deposits | 70.8152% | 2,793 |
| Net loans and leases to core deposits | 73.6960% | 2,937 |
| Total domestic deposits to total assets | 84.9871% | 2,765 |
| Equity capital to assets | 11.9353% | 1,606 |
| Core capital (leverage) ratio | 10.7060% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0136% | 1,521 |
| Memoranda: | ||
| Average total assets | $1,051,946,000 | 844 |
| Average earning assets | $973,405,200 | 839 |
| Average equity | $137,689,800 | 734 |
| Average total loans | $673,965,000 | 894 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,114 |
| Cost of funding earning assets | 0.3276% | 4,173 |
| Net interest margin | 3.9664% | 1,191 |
| Noninterest income to average assets | 0.9231% | 1,165 |
| Noninterest expense to average assets | 2.5102% | 2,809 |
| Loan and lease loss provision to assets | 0.1009% | 3,059 |
| Net operating income to assets | 1.9791% | 313 |
| Return on assets (ROA) | 1.9791% | 341 |
| Pretax return on assets | 1.9791% | 538 |
| Return on Equity (ROE) | 14.7490% | 734 |
| Retained earnings to average equity (ytd only) | 6.5506% | 1,868 |
| Net charge-offs to loans | 0.0058% | 2,930 |
| Credit loss provision to net charge-offs | 2,668.9655% | 379 |
| Earnings coverage of net charge-offs (x) | 550.1379% | 217 |
| Efficiency ratio | 54.6851% | 4,077 |
| Assets per employee ($millions) | 7.0359% | 1,474 |
| Cash dividends to net income (ytd only)* | 55.5863% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,577 |
| Loan loss allowance to noncurrent loans | 1,986.3229% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 3,732 |
| Noncurrent loans to loans | 0.0612% | 4,126 |
| Net loans and leases to total assets | 64.3191% | 2,732 |
| Net loans and leases to deposits | 76.3485% | 2,713 |
| Net loans and leases to core deposits | 79.6789% | 2,867 |
| Total domestic deposits to total assets | 84.2441% | 2,734 |
| Equity capital to assets | 12.8189% | 1,266 |
| Core capital (leverage) ratio | 11.5023% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3942% | 1,401 |
| Memoranda: | ||
| Average total assets | $1,022,640,750 | 849 |
| Average earning assets | $945,482,500 | 846 |
| Average equity | $137,226,250 | 726 |
| Average total loans | $664,223,500 | 900 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,738 |
| Cost of funding earning assets | 0.3402% | 4,311 |
| Net interest margin | 4.2260% | 865 |
| Noninterest income to average assets | 0.9241% | 1,114 |
| Noninterest expense to average assets | 2.5867% | 2,709 |
| Loan and lease loss provision to assets | 0.0369% | 3,810 |
| Net operating income to assets | 2.1976% | 222 |
| Return on assets (ROA) | 2.1976% | 243 |
| Pretax return on assets | 2.1976% | 365 |
| Return on Equity (ROE) | 16.1061% | 542 |
| Retained earnings to average equity (ytd only) | 5.1048% | 2,425 |
| Net charge-offs to loans | 0.0078% | 2,672 |
| Credit loss provision to net charge-offs | 732.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 442.7200% | 225 |
| Efficiency ratio | 53.6516% | 4,219 |
| Assets per employee ($millions) | 6.7571% | 1,591 |
| Cash dividends to net income (ytd only)* | 68.3050% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,682 |
| Loan loss allowance to noncurrent loans | 3,348.9879% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 3,910 |
| Noncurrent loans to loans | 0.0349% | 4,338 |
| Net loans and leases to total assets | 64.7225% | 2,789 |
| Net loans and leases to deposits | 77.7318% | 2,687 |
| Net loans and leases to core deposits | 81.0958% | 2,861 |
| Total domestic deposits to total assets | 83.2638% | 3,007 |
| Equity capital to assets | 12.9692% | 1,178 |
| Core capital (leverage) ratio | 11.6914% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4808% | 1,371 |
| Memoranda: | ||
| Average total assets | $990,618,333 | 862 |
| Average earning assets | $913,531,667 | 864 |
| Average equity | $135,166,333 | 728 |
| Average total loans | $642,830,667 | 909 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,611 |
| Cost of funding earning assets | 0.3531% | 4,509 |
| Net interest margin | 4.0484% | 1,258 |
| Noninterest income to average assets | 1.0079% | 844 |
| Noninterest expense to average assets | 2.6669% | 2,793 |
| Loan and lease loss provision to assets | 0.0385% | 3,289 |
| Net operating income to assets | 2.0183% | 260 |
| Return on assets (ROA) | 2.0183% | 287 |
| Pretax return on assets | 2.0183% | 430 |
| Return on Equity (ROE) | 14.3846% | 631 |
| Retained earnings to average equity (ytd only) | -5.0090% | 4,522 |
| Net charge-offs to loans | 0.0216% | 1,934 |
| Credit loss provision to net charge-offs | 275.7576% | 1,235 |
| Earnings coverage of net charge-offs (x) | 147.3030% | 437 |
| Efficiency ratio | 56.4583% | 4,164 |
| Assets per employee ($millions) | 6.0285% | 1,655 |
| Cash dividends to net income (ytd only)* | 134.8218% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 1,984 |
| Loan loss allowance to noncurrent loans | 3,204.7059% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 3,947 |
| Noncurrent loans to loans | 0.0416% | 4,388 |
| Net loans and leases to total assets | 63.0318% | 3,186 |
| Net loans and leases to deposits | 77.1416% | 2,962 |
| Net loans and leases to core deposits | 80.7407% | 3,134 |
| Total domestic deposits to total assets | 81.7091% | 3,492 |
| Equity capital to assets | 13.7715% | 1,134 |
| Core capital (leverage) ratio | 12.4609% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0530% | 1,142 |
| Memoranda: | ||
| Average total assets | $945,357,000 | 871 |
| Average earning assets | $867,693,500 | 877 |
| Average equity | $132,642,000 | 737 |
| Average total loans | $610,239,500 | 930 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 2,708 |
| Cost of funding earning assets | 0.3655% | 4,552 |
| Net interest margin | 4.2049% | 1,309 |
| Noninterest income to average assets | 1.0561% | 848 |
| Noninterest expense to average assets | 2.8019% | 2,596 |
| Loan and lease loss provision to assets | 0.0404% | 3,205 |
| Net operating income to assets | 2.0600% | 301 |
| Return on assets (ROA) | 2.0610% | 314 |
| Pretax return on assets | 2.0610% | 523 |
| Return on Equity (ROE) | 14.8899% | 707 |
| Retained earnings to average equity (ytd only) | 4.7243% | 2,570 |
| Net charge-offs to loans | 0.1144% | 1,594 |
| Credit loss provision to net charge-offs | 53.6657% | 3,096 |
| Earnings coverage of net charge-offs (x) | 27.9282% | 1,645 |
| Efficiency ratio | 57.1554% | 4,068 |
| Assets per employee ($millions) | 5.8998% | 1,712 |
| Cash dividends to net income (ytd only)* | 68.2718% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,773 |
| Loan loss allowance to noncurrent loans | 1,799.1131% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 3,843 |
| Noncurrent loans to loans | 0.0742% | 4,229 |
| Net loans and leases to total assets | 64.3666% | 3,147 |
| Net loans and leases to deposits | 78.8501% | 2,923 |
| Net loans and leases to core deposits | 82.7575% | 3,063 |
| Total domestic deposits to total assets | 81.6316% | 3,606 |
| Equity capital to assets | 14.2976% | 1,003 |
| Core capital (leverage) ratio | 12.7905% | 1,337 |
| Tier 1 risk-based capital ratio | 17.2756% | 1,974 |
| Total risk-based capital ratio | 18.4767% | 1,928 |
| Memoranda: | ||
| Average total assets | $906,856,200 | 871 |
| Average earning assets | $829,492,200 | 875 |
| Average equity | $125,521,000 | 729 |
| Average total loans | $596,345,200 | 913 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 2,744 |
| Cost of funding earning assets | 0.3674% | 4,609 |
| Net interest margin | 4.2272% | 1,313 |
| Noninterest income to average assets | 1.0722% | 799 |
| Noninterest expense to average assets | 2.7922% | 2,580 |
| Loan and lease loss provision to assets | 0.0406% | 3,096 |
| Net operating income to assets | 2.1083% | 316 |
| Return on assets (ROA) | 2.1073% | 326 |
| Pretax return on assets | 2.1073% | 539 |
| Return on Equity (ROE) | 15.3557% | 705 |
| Retained earnings to average equity (ytd only) | 3.5312% | 3,643 |
| Net charge-offs to loans | 0.0723% | 1,791 |
| Credit loss provision to net charge-offs | 85.0932% | 2,446 |
| Earnings coverage of net charge-offs (x) | 45.0748% | 1,269 |
| Efficiency ratio | 56.5098% | 4,113 |
| Assets per employee ($millions) | 5.7332% | 1,815 |
| Cash dividends to net income (ytd only)* | 77.0042% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,710 |
| Loan loss allowance to noncurrent loans | 2,138.2653% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,923 |
| Noncurrent loans to loans | 0.0638% | 4,349 |
| Net loans and leases to total assets | 66.5283% | 2,985 |
| Net loans and leases to deposits | 81.7608% | 2,715 |
| Net loans and leases to core deposits | 85.8848% | 2,913 |
| Total domestic deposits to total assets | 81.3695% | 3,645 |
| Equity capital to assets | 14.4080% | 1,006 |
| Core capital (leverage) ratio | 12.8674% | 1,394 |
| Tier 1 risk-based capital ratio | 16.7244% | 2,178 |
| Total risk-based capital ratio | 17.9561% | 2,122 |
| Memoranda: | ||
| Average total assets | $900,526,500 | 878 |
| Average earning assets | $824,200,750 | 874 |
| Average equity | $123,581,500 | 732 |
| Average total loans | $593,400,750 | 918 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 2,889 |
| Cost of funding earning assets | 0.3655% | 4,631 |
| Net interest margin | 4.1728% | 1,426 |
| Noninterest income to average assets | 1.0419% | 797 |
| Noninterest expense to average assets | 2.8371% | 2,451 |
| Loan and lease loss provision to assets | 0.0408% | 2,995 |
| Net operating income to assets | 1.9856% | 396 |
| Return on assets (ROA) | 1.9834% | 419 |
| Pretax return on assets | 1.9834% | 697 |
| Return on Equity (ROE) | 14.7014% | 828 |
| Retained earnings to average equity (ytd only) | -0.4380% | 4,759 |
| Net charge-offs to loans | -0.0181% | 4,517 |
| Credit loss provision to net charge-offs | -345.2830% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3337% | 3,967 |
| Assets per employee ($millions) | 5.6466% | 1,828 |
| Cash dividends to net income (ytd only)* | 102.9795% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,490 |
| Loan loss allowance to noncurrent loans | 5,701.3158% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 4,232 |
| Noncurrent loans to loans | 0.0251% | 4,597 |
| Net loans and leases to total assets | 65.6883% | 3,148 |
| Net loans and leases to deposits | 81.0099% | 2,844 |
| Net loans and leases to core deposits | 84.8275% | 3,049 |
| Total domestic deposits to total assets | 81.0868% | 3,778 |
| Equity capital to assets | 13.8791% | 1,171 |
| Core capital (leverage) ratio | 12.4627% | 1,551 |
| Tier 1 risk-based capital ratio | 16.4740% | 2,248 |
| Total risk-based capital ratio | 17.7245% | 2,192 |
| Memoranda: | ||
| Average total assets | $896,844,000 | 876 |
| Average earning assets | $821,376,000 | 875 |
| Average equity | $120,995,330 | 741 |
| Average total loans | $586,255,330 | 928 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,725 |
| Cost of funding earning assets | 0.3609% | 4,645 |
| Net interest margin | 4.1815% | 1,343 |
| Noninterest income to average assets | 0.9390% | 946 |
| Noninterest expense to average assets | 2.7978% | 2,574 |
| Loan and lease loss provision to assets | 0.0413% | 2,800 |
| Net operating income to assets | 1.9194% | 445 |
| Return on assets (ROA) | 1.9194% | 460 |
| Pretax return on assets | 1.9194% | 757 |
| Return on Equity (ROE) | 14.4386% | 867 |
| Retained earnings to average equity (ytd only) | -10.4185% | 5,121 |
| Net charge-offs to loans | -0.0097% | 4,216 |
| Credit loss provision to net charge-offs | -657.1429% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7958% | 3,977 |
| Assets per employee ($millions) | 5.6562% | 1,836 |
| Cash dividends to net income (ytd only)* | 172.1572% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,455 |
| Loan loss allowance to noncurrent loans | 6,516.0305% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 4,297 |
| Noncurrent loans to loans | 0.0225% | 4,678 |
| Net loans and leases to total assets | 63.8711% | 3,301 |
| Net loans and leases to deposits | 77.6560% | 3,097 |
| Net loans and leases to core deposits | 81.2768% | 3,244 |
| Total domestic deposits to total assets | 82.2487% | 3,663 |
| Equity capital to assets | 13.2638% | 1,310 |
| Core capital (leverage) ratio | 12.2957% | 1,608 |
| Tier 1 risk-based capital ratio | 16.5611% | 2,242 |
| Total risk-based capital ratio | 17.8120% | 2,197 |
| Memoranda: | ||
| Average total assets | $890,712,000 | 882 |
| Average earning assets | $813,583,000 | 887 |
| Average equity | $118,405,000 | 754 |
| Average total loans | $576,461,000 | 946 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 2,855 |
| Cost of funding earning assets | 0.3171% | 4,486 |
| Net interest margin | 4.0549% | 1,804 |
| Noninterest income to average assets | 1.1053% | 755 |
| Noninterest expense to average assets | 2.7374% | 2,904 |
| Loan and lease loss provision to assets | 0.0417% | 3,354 |
| Net operating income to assets | 2.0344% | 338 |
| Return on assets (ROA) | 2.0344% | 335 |
| Pretax return on assets | 2.0344% | 524 |
| Return on Equity (ROE) | 15.8778% | 656 |
| Retained earnings to average equity (ytd only) | 7.8129% | 1,323 |
| Net charge-offs to loans | -0.0095% | 4,477 |
| Credit loss provision to net charge-offs | -677.7778% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8694% | 4,301 |
| Assets per employee ($millions) | 5.5828% | 1,882 |
| Cash dividends to net income (ytd only)* | 50.7932% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,355 |
| Loan loss allowance to noncurrent loans | 17,562.5000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,344 |
| Noncurrent loans to loans | 0.0084% | 4,779 |
| Net loans and leases to total assets | 63.6603% | 3,389 |
| Net loans and leases to deposits | 77.8666% | 3,180 |
| Net loans and leases to core deposits | 81.5305% | 3,301 |
| Total domestic deposits to total assets | 81.7556% | 3,705 |
| Equity capital to assets | 13.3234% | 1,211 |
| Core capital (leverage) ratio | 12.7418% | 1,352 |
| Tier 1 risk-based capital ratio | 17.3410% | 1,941 |
| Total risk-based capital ratio | 18.5920% | 1,899 |
| Memoranda: | ||
| Average total assets | $876,874,800 | 870 |
| Average earning assets | $801,911,600 | 880 |
| Average equity | $112,352,000 | 762 |
| Average total loans | $566,335,200 | 941 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,805 |
| Cost of funding earning assets | 0.3038% | 4,490 |
| Net interest margin | 4.0414% | 1,819 |
| Noninterest income to average assets | 1.0903% | 790 |
| Noninterest expense to average assets | 2.7364% | 2,856 |
| Loan and lease loss provision to assets | 0.0417% | 3,161 |
| Net operating income to assets | 2.0113% | 365 |
| Return on assets (ROA) | 2.0113% | 364 |
| Pretax return on assets | 2.0113% | 604 |
| Return on Equity (ROE) | 15.8566% | 719 |
| Retained earnings to average equity (ytd only) | 9.5875% | 1,030 |
| Net charge-offs to loans | -0.0083% | 4,345 |
| Credit loss provision to net charge-offs | -782.8571% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1347% | 4,237 |
| Assets per employee ($millions) | 5.4443% | 1,968 |
| Cash dividends to net income (ytd only)* | 39.5366% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,399 |
| Loan loss allowance to noncurrent loans | 16,977.5510% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,478 |
| Noncurrent loans to loans | 0.0087% | 4,893 |
| Net loans and leases to total assets | 64.5767% | 3,356 |
| Net loans and leases to deposits | 78.3775% | 3,201 |
| Net loans and leases to core deposits | 81.9918% | 3,326 |
| Total domestic deposits to total assets | 82.3919% | 3,491 |
| Equity capital to assets | 13.2522% | 1,232 |
| Core capital (leverage) ratio | 12.7523% | 1,392 |
| Tier 1 risk-based capital ratio | 17.5230% | 1,920 |
| Total risk-based capital ratio | 18.7739% | 1,880 |
| Memoranda: | ||
| Average total assets | $875,572,000 | 868 |
| Average earning assets | $801,419,750 | 875 |
| Average equity | $111,059,000 | 766 |
| Average total loans | $565,426,750 | 944 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 2,830 |
| Cost of funding earning assets | 0.2930% | 4,463 |
| Net interest margin | 3.9888% | 1,899 |
| Noninterest income to average assets | 1.0724% | 837 |
| Noninterest expense to average assets | 2.7261% | 2,919 |
| Loan and lease loss provision to assets | 0.0415% | 3,073 |
| Net operating income to assets | 1.9583% | 411 |
| Return on assets (ROA) | 1.9583% | 408 |
| Pretax return on assets | 1.9583% | 667 |
| Return on Equity (ROE) | 15.6652% | 734 |
| Retained earnings to average equity (ytd only) | 6.1983% | 2,458 |
| Net charge-offs to loans | -0.0120% | 4,373 |
| Credit loss provision to net charge-offs | -538.2353% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6847% | 4,286 |
| Assets per employee ($millions) | 5.5524% | 1,842 |
| Cash dividends to net income (ytd only)* | 60.4328% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 1,519 |
| Loan loss allowance to noncurrent loans | 9,141.1111% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,490 |
| Noncurrent loans to loans | 0.0160% | 4,872 |
| Net loans and leases to total assets | 63.2364% | 3,487 |
| Net loans and leases to deposits | 76.0652% | 3,320 |
| Net loans and leases to core deposits | 79.5537% | 3,457 |
| Total domestic deposits to total assets | 83.1345% | 3,376 |
| Equity capital to assets | 12.6273% | 1,474 |
| Core capital (leverage) ratio | 12.1556% | 1,616 |
| Tier 1 risk-based capital ratio | 16.7318% | 2,186 |
| Total risk-based capital ratio | 17.9825% | 2,130 |
| Memoranda: | ||
| Average total assets | $882,511,330 | 866 |
| Average earning assets | $808,306,670 | 870 |
| Average equity | $110,320,670 | 770 |
| Average total loans | $567,138,670 | 943 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,462 |
| Cost of funding earning assets | 0.2842% | 4,468 |
| Net interest margin | 4.0312% | 1,620 |
| Noninterest income to average assets | 1.0322% | 852 |
| Noninterest expense to average assets | 2.7223% | 2,967 |
| Loan and lease loss provision to assets | 0.0416% | 2,925 |
| Net operating income to assets | 1.9608% | 408 |
| Return on assets (ROA) | 1.9608% | 410 |
| Pretax return on assets | 1.9608% | 631 |
| Return on Equity (ROE) | 15.7649% | 662 |
| Retained earnings to average equity (ytd only) | 2.8594% | 4,053 |
| Net charge-offs to loans | -0.0225% | 4,615 |
| Credit loss provision to net charge-offs | -287.5000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6184% | 4,396 |
| Assets per employee ($millions) | 5.6106% | 1,839 |
| Cash dividends to net income (ytd only)* | 81.8622% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,594 |
| Loan loss allowance to noncurrent loans | 4,444.8087% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,541 |
| Noncurrent loans to loans | 0.0330% | 4,826 |
| Net loans and leases to total assets | 61.6622% | 3,589 |
| Net loans and leases to deposits | 73.6069% | 3,456 |
| Net loans and leases to core deposits | 76.9342% | 3,587 |
| Total domestic deposits to total assets | 83.7724% | 3,412 |
| Equity capital to assets | 12.2798% | 1,618 |
| Core capital (leverage) ratio | 11.9143% | 1,704 |
| Tier 1 risk-based capital ratio | 16.3797% | 2,330 |
| Total risk-based capital ratio | 17.6301% | 2,270 |
| Memoranda: | ||
| Average total assets | $885,127,000 | 869 |
| Average earning assets | $810,768,500 | 875 |
| Average equity | $110,092,500 | 774 |
| Average total loans | $569,214,500 | 940 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,506 |
| Cost of funding earning assets | 0.3096% | 4,044 |
| Net interest margin | 3.9378% | 1,962 |
| Noninterest income to average assets | 0.9802% | 1,067 |
| Noninterest expense to average assets | 2.8346% | 2,667 |
| Loan and lease loss provision to assets | 0.0452% | 3,335 |
| Net operating income to assets | 1.6921% | 533 |
| Return on assets (ROA) | 1.7093% | 531 |
| Pretax return on assets | 1.7093% | 979 |
| Return on Equity (ROE) | 13.3016% | 883 |
| Retained earnings to average equity (ytd only) | 0.6713% | 4,770 |
| Net charge-offs to loans | 0.0700% | 2,453 |
| Credit loss provision to net charge-offs | 99.4911% | 2,613 |
| Earnings coverage of net charge-offs (x) | 38.2265% | 1,303 |
| Efficiency ratio | 62.0008% | 3,935 |
| Assets per employee ($millions) | 5.5584% | 1,880 |
| Cash dividends to net income (ytd only)* | 94.9530% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 1,869 |
| Loan loss allowance to noncurrent loans | 4,914.1104% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,584 |
| Noncurrent loans to loans | 0.0279% | 4,887 |
| Net loans and leases to total assets | 65.1368% | 3,208 |
| Net loans and leases to deposits | 78.0122% | 3,112 |
| Net loans and leases to core deposits | 81.6165% | 3,278 |
| Total domestic deposits to total assets | 83.4956% | 3,387 |
| Equity capital to assets | 12.5968% | 1,460 |
| Core capital (leverage) ratio | 11.7254% | 1,776 |
| Tier 1 risk-based capital ratio | 15.6107% | 2,581 |
| Total risk-based capital ratio | 16.8422% | 2,527 |
| Memoranda: | ||
| Average total assets | $864,748,600 | 861 |
| Average earning assets | $788,741,000 | 875 |
| Average equity | $111,121,600 | 740 |
| Average total loans | $561,501,200 | 920 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,475 |
| Cost of funding earning assets | 0.3103% | 4,025 |
| Net interest margin | 3.9294% | 1,932 |
| Noninterest income to average assets | 0.9767% | 1,074 |
| Noninterest expense to average assets | 2.7043% | 3,053 |
| Loan and lease loss provision to assets | 0.0426% | 3,250 |
| Net operating income to assets | 1.8127% | 458 |
| Return on assets (ROA) | 1.8358% | 443 |
| Pretax return on assets | 1.8358% | 809 |
| Return on Equity (ROE) | 14.2141% | 789 |
| Retained earnings to average equity (ytd only) | -0.0252% | 5,210 |
| Net charge-offs to loans | -0.0084% | 4,585 |
| Credit loss provision to net charge-offs | -785.7143% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3098% | 4,316 |
| Assets per employee ($millions) | 5.3736% | 2,042 |
| Cash dividends to net income (ytd only)* | 100.1773% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,640 |
| Loan loss allowance to noncurrent loans | 1,103.7135% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 4,268 |
| Noncurrent loans to loans | 0.1334% | 4,527 |
| Net loans and leases to total assets | 64.3924% | 3,334 |
| Net loans and leases to deposits | 76.8103% | 3,294 |
| Net loans and leases to core deposits | 80.6386% | 3,396 |
| Total domestic deposits to total assets | 83.8331% | 3,180 |
| Equity capital to assets | 13.1200% | 1,330 |
| Core capital (leverage) ratio | 11.9641% | 1,708 |
| Tier 1 risk-based capital ratio | 15.9357% | 2,535 |
| Total risk-based capital ratio | 17.1864% | 2,469 |
| Memoranda: | ||
| Average total assets | $859,991,000 | 871 |
| Average earning assets | $784,146,750 | 879 |
| Average equity | $111,070,000 | 744 |
| Average total loans | $555,957,750 | 929 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,467 |
| Cost of funding earning assets | 0.3095% | 3,982 |
| Net interest margin | 3.8924% | 1,956 |
| Noninterest income to average assets | 0.9785% | 1,074 |
| Noninterest expense to average assets | 2.7234% | 3,004 |
| Loan and lease loss provision to assets | 0.0426% | 3,143 |
| Net operating income to assets | 1.7640% | 486 |
| Return on assets (ROA) | 1.7985% | 465 |
| Pretax return on assets | 1.7985% | 841 |
| Return on Equity (ROE) | 14.0000% | 811 |
| Retained earnings to average equity (ytd only) | -4.0850% | 5,493 |
| Net charge-offs to loans | -0.0098% | 4,524 |
| Credit loss provision to net charge-offs | -677.7778% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1183% | 4,300 |
| Assets per employee ($millions) | 5.5492% | 1,830 |
| Cash dividends to net income (ytd only)* | 129.1785% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,709 |
| Loan loss allowance to noncurrent loans | 1,363.5158% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 4,418 |
| Noncurrent loans to loans | 0.1073% | 4,695 |
| Net loans and leases to total assets | 64.3693% | 3,336 |
| Net loans and leases to deposits | 76.5358% | 3,284 |
| Net loans and leases to core deposits | 80.3339% | 3,400 |
| Total domestic deposits to total assets | 84.1036% | 3,155 |
| Equity capital to assets | 13.0430% | 1,355 |
| Core capital (leverage) ratio | 11.6276% | 1,880 |
| Tier 1 risk-based capital ratio | 15.7414% | 2,604 |
| Total risk-based capital ratio | 16.9923% | 2,541 |
| Memoranda: | ||
| Average total assets | $858,271,330 | 882 |
| Average earning assets | $783,119,000 | 888 |
| Average equity | $110,257,330 | 748 |
| Average total loans | $552,806,000 | 934 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 2,488 |
| Cost of funding earning assets | 0.3053% | 3,990 |
| Net interest margin | 3.8410% | 1,982 |
| Noninterest income to average assets | 0.9312% | 1,162 |
| Noninterest expense to average assets | 2.6248% | 3,392 |
| Loan and lease loss provision to assets | 0.0429% | 2,943 |
| Net operating income to assets | 1.7682% | 475 |
| Return on assets (ROA) | 1.8004% | 460 |
| Pretax return on assets | 1.8004% | 800 |
| Return on Equity (ROE) | 14.1234% | 781 |
| Retained earnings to average equity (ytd only) | -7.8138% | 5,517 |
| Net charge-offs to loans | -0.0080% | 4,340 |
| Credit loss provision to net charge-offs | -836.3636% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1712% | 4,569 |
| Assets per employee ($millions) | 5.6928% | 1,729 |
| Cash dividends to net income (ytd only)* | 155.3252% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,719 |
| Loan loss allowance to noncurrent loans | 1,181.2227% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,472 |
| Noncurrent loans to loans | 0.1264% | 4,678 |
| Net loans and leases to total assets | 61.4466% | 3,608 |
| Net loans and leases to deposits | 72.9854% | 3,515 |
| Net loans and leases to core deposits | 76.6152% | 3,598 |
| Total domestic deposits to total assets | 84.1903% | 3,402 |
| Equity capital to assets | 12.5362% | 1,503 |
| Core capital (leverage) ratio | 11.9979% | 1,632 |
| Tier 1 risk-based capital ratio | 16.1412% | 2,491 |
| Total risk-based capital ratio | 17.3922% | 2,443 |
| Memoranda: | ||
| Average total assets | $857,347,500 | 883 |
| Average earning assets | $782,306,000 | 892 |
| Average equity | $109,293,500 | 753 |
| Average total loans | $548,271,500 | 939 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,019 |
| Cost of funding earning assets | 0.3364% | 3,677 |
| Net interest margin | 4.0014% | 1,627 |
| Noninterest income to average assets | 0.9668% | 1,222 |
| Noninterest expense to average assets | 2.6483% | 3,528 |
| Loan and lease loss provision to assets | 0.0653% | 3,063 |
| Net operating income to assets | 1.9088% | 377 |
| Return on assets (ROA) | 1.9324% | 378 |
| Pretax return on assets | 1.9324% | 581 |
| Return on Equity (ROE) | 14.7158% | 666 |
| Retained earnings to average equity (ytd only) | 6.5600% | 1,425 |
| Net charge-offs to loans | 0.1564% | 1,710 |
| Credit loss provision to net charge-offs | 63.0011% | 3,204 |
| Earnings coverage of net charge-offs (x) | 19.0378% | 1,934 |
| Efficiency ratio | 57.2915% | 4,926 |
| Assets per employee ($millions) | 5.4786% | 1,880 |
| Cash dividends to net income (ytd only)* | 55.4217% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,877 |
| Loan loss allowance to noncurrent loans | 834.5833% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 4,377 |
| Noncurrent loans to loans | 0.1735% | 4,542 |
| Net loans and leases to total assets | 64.6224% | 3,270 |
| Net loans and leases to deposits | 76.8162% | 3,224 |
| Net loans and leases to core deposits | 80.9973% | 3,311 |
| Total domestic deposits to total assets | 84.1259% | 3,380 |
| Equity capital to assets | 12.9664% | 1,271 |
| Core capital (leverage) ratio | 12.0356% | 1,574 |
| Tier 1 risk-based capital ratio | 16.3268% | 2,416 |
| Total risk-based capital ratio | 17.5776% | 2,353 |
| Memoranda: | ||
| Average total assets | $841,871,800 | 860 |
| Average earning assets | $769,137,200 | 877 |
| Average equity | $110,548,200 | 723 |
| Average total loans | $558,318,600 | 891 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 1,941 |
| Cost of funding earning assets | 0.3381% | 3,673 |
| Net interest margin | 4.0334% | 1,568 |
| Noninterest income to average assets | 0.9639% | 1,226 |
| Noninterest expense to average assets | 2.4407% | 4,162 |
| Loan and lease loss provision to assets | 0.0697% | 2,821 |
| Net operating income to assets | 2.1417% | 274 |
| Return on assets (ROA) | 2.1731% | 269 |
| Pretax return on assets | 2.1731% | 408 |
| Return on Equity (ROE) | 16.4972% | 495 |
| Retained earnings to average equity (ytd only) | 5.6514% | 2,401 |
| Net charge-offs to loans | 0.1446% | 1,540 |
| Credit loss provision to net charge-offs | 72.4876% | 2,754 |
| Earnings coverage of net charge-offs (x) | 22.9918% | 1,727 |
| Efficiency ratio | 52.4643% | 5,350 |
| Assets per employee ($millions) | 5.4912% | 1,859 |
| Cash dividends to net income (ytd only)* | 65.7430% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,961 |
| Loan loss allowance to noncurrent loans | 347.7224% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 4,298 |
| Noncurrent loans to loans | 0.4181% | 3,780 |
| Net loans and leases to total assets | 65.8991% | 3,138 |
| Net loans and leases to deposits | 79.6952% | 3,006 |
| Net loans and leases to core deposits | 84.2079% | 3,103 |
| Total domestic deposits to total assets | 82.6889% | 3,715 |
| Equity capital to assets | 13.7525% | 1,141 |
| Core capital (leverage) ratio | 11.8842% | 1,758 |
| Tier 1 risk-based capital ratio | 15.8387% | 2,687 |
| Total risk-based capital ratio | 17.0896% | 2,631 |
| Memoranda: | ||
| Average total assets | $841,415,500 | 859 |
| Average earning assets | $769,416,250 | 871 |
| Average equity | $110,836,000 | 726 |
| Average total loans | $559,591,000 | 886 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,188 |
| Cost of funding earning assets | 0.3391% | 3,703 |
| Net interest margin | 3.9486% | 1,815 |
| Noninterest income to average assets | 0.9429% | 1,260 |
| Noninterest expense to average assets | 2.4309% | 4,229 |
| Loan and lease loss provision to assets | 0.0827% | 2,480 |
| Net operating income to assets | 2.0424% | 304 |
| Return on assets (ROA) | 2.1360% | 269 |
| Pretax return on assets | 2.1360% | 434 |
| Return on Equity (ROE) | 16.4569% | 488 |
| Retained earnings to average equity (ytd only) | -0.0458% | 5,300 |
| Net charge-offs to loans | 0.1614% | 1,365 |
| Credit loss provision to net charge-offs | 77.1619% | 2,394 |
| Earnings coverage of net charge-offs (x) | 19.8337% | 1,753 |
| Efficiency ratio | 53.3556% | 5,362 |
| Assets per employee ($millions) | 5.5174% | 1,786 |
| Cash dividends to net income (ytd only)* | 100.2781% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,896 |
| Loan loss allowance to noncurrent loans | 371.3126% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 4,397 |
| Noncurrent loans to loans | 0.4017% | 3,920 |
| Net loans and leases to total assets | 64.8317% | 3,249 |
| Net loans and leases to deposits | 77.6136% | 3,194 |
| Net loans and leases to core deposits | 81.7437% | 3,293 |
| Total domestic deposits to total assets | 83.5313% | 3,452 |
| Equity capital to assets | 13.2280% | 1,370 |
| Core capital (leverage) ratio | 11.3189% | 2,129 |
| Tier 1 risk-based capital ratio | 15.3688% | 2,919 |
| Total risk-based capital ratio | 16.6200% | 2,850 |
| Memoranda: | ||
| Average total assets | $841,837,330 | 862 |
| Average earning assets | $770,295,000 | 871 |
| Average equity | $109,267,330 | 736 |
| Average total loans | $558,848,330 | 885 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,321 |
| Cost of funding earning assets | 0.3398% | 3,719 |
| Net interest margin | 3.9042% | 1,922 |
| Noninterest income to average assets | 0.9257% | 1,247 |
| Noninterest expense to average assets | 2.4784% | 4,136 |
| Loan and lease loss provision to assets | 0.1219% | 1,735 |
| Net operating income to assets | 1.8999% | 395 |
| Return on assets (ROA) | 2.0265% | 330 |
| Pretax return on assets | 2.0265% | 538 |
| Return on Equity (ROE) | 15.7627% | 563 |
| Retained earnings to average equity (ytd only) | -10.2662% | 5,811 |
| Net charge-offs to loans | 0.7412% | 282 |
| Credit loss provision to net charge-offs | 24.6641% | 2,266 |
| Earnings coverage of net charge-offs (x) | 4.0912% | 2,469 |
| Efficiency ratio | 55.0743% | 5,279 |
| Assets per employee ($millions) | 5.6555% | 1,701 |
| Cash dividends to net income (ytd only)* | 165.1299% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 2,560 |
| Loan loss allowance to noncurrent loans | 344.9063% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,495 |
| Noncurrent loans to loans | 0.3973% | 4,011 |
| Net loans and leases to total assets | 64.0605% | 3,235 |
| Net loans and leases to deposits | 76.2630% | 3,189 |
| Net loans and leases to core deposits | 80.2526% | 3,297 |
| Total domestic deposits to total assets | 83.9995% | 3,521 |
| Equity capital to assets | 12.7358% | 1,538 |
| Core capital (leverage) ratio | 11.0381% | 2,370 |
| Tier 1 risk-based capital ratio | 14.9234% | 3,194 |
| Total risk-based capital ratio | 16.1693% | 3,133 |
| Memoranda: | ||
| Average total assets | $843,432,500 | 866 |
| Average earning assets | $772,184,500 | 870 |
| Average equity | $108,433,000 | 747 |
| Average total loans | $562,302,000 | 878 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 1,995 |
| Cost of funding earning assets | 0.3667% | 3,515 |
| Net interest margin | 4.0048% | 1,702 |
| Noninterest income to average assets | 0.9789% | 1,236 |
| Noninterest expense to average assets | 2.4658% | 4,334 |
| Loan and lease loss provision to assets | 0.0440% | 3,448 |
| Net operating income to assets | 2.1360% | 274 |
| Return on assets (ROA) | 2.1428% | 276 |
| Pretax return on assets | 2.1426% | 390 |
| Return on Equity (ROE) | 17.0095% | 451 |
| Retained earnings to average equity (ytd only) | 6.8519% | 1,346 |
| Net charge-offs to loans | 0.3635% | 809 |
| Credit loss provision to net charge-offs | 17.6386% | 3,765 |
| Earnings coverage of net charge-offs (x) | 8.7402% | 2,911 |
| Efficiency ratio | 53.0788% | 5,582 |
| Assets per employee ($millions) | 5.4807% | 1,827 |
| Cash dividends to net income (ytd only)* | 59.7173% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 2,199 |
| Loan loss allowance to noncurrent loans | 160.2268% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,192 |
| Noncurrent loans to loans | 0.9069% | 2,521 |
| Net loans and leases to total assets | 67.4121% | 2,798 |
| Net loans and leases to deposits | 80.8719% | 2,726 |
| Net loans and leases to core deposits | 84.8608% | 2,899 |
| Total domestic deposits to total assets | 83.3567% | 3,727 |
| Equity capital to assets | 12.9779% | 1,359 |
| Core capital (leverage) ratio | 11.3224% | 2,109 |
| Tier 1 risk-based capital ratio | 14.9391% | 3,205 |
| Total risk-based capital ratio | 16.1885% | 3,138 |
| Memoranda: | ||
| Average total assets | $832,033,200 | 837 |
| Average earning assets | $761,752,200 | 834 |
| Average equity | $104,818,000 | 736 |
| Average total loans | $570,772,400 | 822 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 1,988 |
| Cost of funding earning assets | 0.3689% | 3,559 |
| Net interest margin | 4.0096% | 1,664 |
| Noninterest income to average assets | 0.9479% | 1,324 |
| Noninterest expense to average assets | 2.3313% | 4,696 |
| Loan and lease loss provision to assets | 0.0440% | 3,338 |
| Net operating income to assets | 2.2446% | 237 |
| Return on assets (ROA) | 2.2486% | 249 |
| Pretax return on assets | 2.2483% | 371 |
| Return on Equity (ROE) | 17.9865% | 400 |
| Retained earnings to average equity (ytd only) | 6.9930% | 1,690 |
| Net charge-offs to loans | 0.0868% | 2,303 |
| Credit loss provision to net charge-offs | 73.8544% | 2,700 |
| Earnings coverage of net charge-offs (x) | 38.4154% | 1,284 |
| Efficiency ratio | 50.4657% | 5,753 |
| Assets per employee ($millions) | 5.5199% | 1,772 |
| Cash dividends to net income (ytd only)* | 61.1210% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 1,348 |
| Loan loss allowance to noncurrent loans | 145.9146% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 2,569 |
| Noncurrent loans to loans | 1.2045% | 2,124 |
| Net loans and leases to total assets | 67.1550% | 2,834 |
| Net loans and leases to deposits | 80.3630% | 2,841 |
| Net loans and leases to core deposits | 84.4216% | 2,991 |
| Total domestic deposits to total assets | 83.5645% | 3,582 |
| Equity capital to assets | 13.0520% | 1,418 |
| Core capital (leverage) ratio | 11.2199% | 2,275 |
| Tier 1 risk-based capital ratio | 14.9092% | 3,341 |
| Total risk-based capital ratio | 16.1638% | 3,287 |
| Memoranda: | ||
| Average total assets | $830,406,000 | 846 |
| Average earning assets | $760,422,750 | 840 |
| Average equity | $103,816,250 | 749 |
| Average total loans | $570,062,000 | 824 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,041 |
| Cost of funding earning assets | 0.3777% | 3,524 |
| Net interest margin | 3.9635% | 1,768 |
| Noninterest income to average assets | 0.9098% | 1,413 |
| Noninterest expense to average assets | 2.3383% | 4,751 |
| Loan and lease loss provision to assets | 0.0440% | 3,228 |
| Net operating income to assets | 2.1583% | 276 |
| Return on assets (ROA) | 2.1583% | 292 |
| Pretax return on assets | 2.1578% | 449 |
| Return on Equity (ROE) | 17.5198% | 446 |
| Retained earnings to average equity (ytd only) | 4.3301% | 3,266 |
| Net charge-offs to loans | 0.0865% | 2,174 |
| Credit loss provision to net charge-offs | 74.0891% | 2,412 |
| Earnings coverage of net charge-offs (x) | 37.0486% | 1,184 |
| Efficiency ratio | 51.5025% | 5,755 |
| Assets per employee ($millions) | 5.5079% | 1,729 |
| Cash dividends to net income (ytd only)* | 75.2843% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 1,523 |
| Loan loss allowance to noncurrent loans | 144.0115% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 2,663 |
| Noncurrent loans to loans | 1.2088% | 2,239 |
| Net loans and leases to total assets | 68.1819% | 2,616 |
| Net loans and leases to deposits | 80.3879% | 2,735 |
| Net loans and leases to core deposits | 84.4437% | 2,937 |
| Total domestic deposits to total assets | 84.8161% | 3,205 |
| Equity capital to assets | 12.4285% | 1,694 |
| Core capital (leverage) ratio | 10.7637% | 2,665 |
| Tier 1 risk-based capital ratio | 14.2915% | 3,766 |
| Total risk-based capital ratio | 15.5459% | 3,686 |
| Memoranda: | ||
| Average total assets | $831,212,000 | 848 |
| Average earning assets | $761,352,670 | 842 |
| Average equity | $102,398,670 | 763 |
| Average total loans | $571,422,000 | 824 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,089 |
| Cost of funding earning assets | 0.3744% | 3,596 |
| Net interest margin | 3.9300% | 1,789 |
| Noninterest income to average assets | 0.8540% | 1,551 |
| Noninterest expense to average assets | 2.3240% | 4,812 |
| Loan and lease loss provision to assets | 0.0437% | 3,044 |
| Net operating income to assets | 2.0832% | 287 |
| Return on assets (ROA) | 2.0832% | 309 |
| Pretax return on assets | 2.0822% | 501 |
| Return on Equity (ROE) | 16.9847% | 474 |
| Retained earnings to average equity (ytd only) | -1.2674% | 5,586 |
| Net charge-offs to loans | 0.1108% | 1,634 |
| Credit loss provision to net charge-offs | 57.5949% | 2,030 |
| Earnings coverage of net charge-offs (x) | 28.0443% | 1,188 |
| Efficiency ratio | 52.2264% | 5,796 |
| Assets per employee ($millions) | 5.5678% | 1,740 |
| Cash dividends to net income (ytd only)* | 107.4620% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 1,526 |
| Loan loss allowance to noncurrent loans | 136.6712% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 2,686 |
| Noncurrent loans to loans | 1.3069% | 2,199 |
| Net loans and leases to total assets | 65.2539% | 2,888 |
| Net loans and leases to deposits | 76.6339% | 2,974 |
| Net loans and leases to core deposits | 80.5772% | 3,097 |
| Total domestic deposits to total assets | 85.1502% | 3,333 |
| Equity capital to assets | 12.2661% | 1,847 |
| Core capital (leverage) ratio | 10.5296% | 2,926 |
| Tier 1 risk-based capital ratio | 14.0837% | 3,949 |
| Total risk-based capital ratio | 15.3384% | 3,877 |
| Memoranda: | ||
| Average total assets | $833,723,500 | 843 |
| Average earning assets | $762,855,500 | 846 |
| Average equity | $102,256,500 | 764 |
| Average total loans | $570,487,500 | 817 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 1,845 |
| Cost of funding earning assets | 0.4251% | 3,433 |
| Net interest margin | 4.0792% | 1,651 |
| Noninterest income to average assets | 0.9353% | 1,396 |
| Noninterest expense to average assets | 2.4380% | 4,734 |
| Loan and lease loss provision to assets | 0.0822% | 2,836 |
| Net operating income to assets | 2.1416% | 249 |
| Return on assets (ROA) | 2.1556% | 248 |
| Pretax return on assets | 2.1548% | 358 |
| Return on Equity (ROE) | 18.6428% | 344 |
| Retained earnings to average equity (ytd only) | 5.3342% | 2,386 |
| Net charge-offs to loans | 0.0830% | 3,311 |
| Credit loss provision to net charge-offs | 141.0526% | 1,681 |
| Earnings coverage of net charge-offs (x) | 38.1600% | 1,125 |
| Efficiency ratio | 52.2484% | 5,958 |
| Assets per employee ($millions) | 5.4749% | 1,788 |
| Cash dividends to net income (ytd only)* | 71.3871% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 1,713 |
| Loan loss allowance to noncurrent loans | 128.7362% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 2,658 |
| Noncurrent loans to loans | 1.3397% | 2,193 |
| Net loans and leases to total assets | 69.2310% | 2,352 |
| Net loans and leases to deposits | 81.9374% | 2,481 |
| Net loans and leases to core deposits | 86.3064% | 2,658 |
| Total domestic deposits to total assets | 84.4926% | 3,512 |
| Equity capital to assets | 12.2640% | 1,814 |
| Core capital (leverage) ratio | 10.5906% | 2,848 |
| Tier 1 risk-based capital ratio | 13.7027% | 4,296 |
| Total risk-based capital ratio | 14.9571% | 4,230 |
| Memoranda: | ||
| Average total assets | $815,380,800 | 829 |
| Average earning assets | $744,728,800 | 825 |
| Average equity | $94,277,800 | 781 |
| Average total loans | $572,296,200 | 775 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 1,898 |
| Cost of funding earning assets | 0.4290% | 3,477 |
| Net interest margin | 4.0640% | 1,682 |
| Noninterest income to average assets | 0.9409% | 1,391 |
| Noninterest expense to average assets | 2.3043% | 5,089 |
| Loan and lease loss provision to assets | 0.0797% | 2,752 |
| Net operating income to assets | 2.2667% | 202 |
| Return on assets (ROA) | 2.2575% | 216 |
| Pretax return on assets | 2.2611% | 323 |
| Return on Equity (ROE) | 19.8308% | 296 |
| Retained earnings to average equity (ytd only) | 5.2842% | 2,892 |
| Net charge-offs to loans | 0.0283% | 3,919 |
| Credit loss provision to net charge-offs | 401.6529% | 692 |
| Earnings coverage of net charge-offs (x) | 118.3631% | 501 |
| Efficiency ratio | 49.4306% | 6,120 |
| Assets per employee ($millions) | 5.4536% | 1,767 |
| Cash dividends to net income (ytd only)* | 73.3537% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 1,760 |
| Loan loss allowance to noncurrent loans | 127.5156% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 2,747 |
| Noncurrent loans to loans | 1.3893% | 2,330 |
| Net loans and leases to total assets | 70.1650% | 2,170 |
| Net loans and leases to deposits | 82.7139% | 2,333 |
| Net loans and leases to core deposits | 86.9830% | 2,548 |
| Total domestic deposits to total assets | 84.8286% | 3,407 |
| Equity capital to assets | 12.1157% | 1,968 |
| Core capital (leverage) ratio | 10.5684% | 2,959 |
| Tier 1 risk-based capital ratio | 13.6713% | 4,432 |
| Total risk-based capital ratio | 14.9263% | 4,373 |
| Memoranda: | ||
| Average total assets | $812,547,750 | 834 |
| Average earning assets | $742,474,250 | 832 |
| Average equity | $92,500,250 | 800 |
| Average total loans | $569,773,750 | 774 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 2,008 |
| Cost of funding earning assets | 0.4287% | 3,569 |
| Net interest margin | 4.0178% | 1,765 |
| Noninterest income to average assets | 0.9151% | 1,444 |
| Noninterest expense to average assets | 2.3005% | 5,153 |
| Loan and lease loss provision to assets | 0.0796% | 2,700 |
| Net operating income to assets | 2.1983% | 229 |
| Return on assets (ROA) | 2.1846% | 246 |
| Pretax return on assets | 2.1882% | 377 |
| Return on Equity (ROE) | 19.6061% | 310 |
| Retained earnings to average equity (ytd only) | 2.7574% | 4,445 |
| Net charge-offs to loans | 0.0194% | 3,828 |
| Credit loss provision to net charge-offs | 589.0909% | 516 |
| Earnings coverage of net charge-offs (x) | 168.9091% | 371 |
| Efficiency ratio | 50.0884% | 6,170 |
| Assets per employee ($millions) | 5.5346% | 1,668 |
| Cash dividends to net income (ytd only)* | 85.9359% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 1,921 |
| Loan loss allowance to noncurrent loans | 135.4122% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 3,015 |
| Noncurrent loans to loans | 1.3071% | 2,628 |
| Net loans and leases to total assets | 69.0202% | 2,236 |
| Net loans and leases to deposits | 80.7587% | 2,414 |
| Net loans and leases to core deposits | 84.9962% | 2,617 |
| Total domestic deposits to total assets | 85.4647% | 3,304 |
| Equity capital to assets | 11.6172% | 2,310 |
| Core capital (leverage) ratio | 10.2474% | 3,272 |
| Tier 1 risk-based capital ratio | 13.3665% | 4,673 |
| Total risk-based capital ratio | 14.6215% | 4,618 |
| Memoranda: | ||
| Average total assets | $814,351,670 | 836 |
| Average earning assets | $743,247,000 | 826 |
| Average equity | $90,737,000 | 808 |
| Average total loans | $567,518,000 | 771 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 2,181 |
| Cost of funding earning assets | 0.4331% | 3,615 |
| Net interest margin | 3.9555% | 1,907 |
| Noninterest income to average assets | 0.8926% | 1,415 |
| Noninterest expense to average assets | 2.3109% | 5,164 |
| Loan and lease loss provision to assets | 0.0795% | 2,556 |
| Net operating income to assets | 2.1077% | 282 |
| Return on assets (ROA) | 2.0591% | 311 |
| Pretax return on assets | 2.0630% | 462 |
| Return on Equity (ROE) | 18.8818% | 374 |
| Retained earnings to average equity (ytd only) | -6.4020% | 6,200 |
| Net charge-offs to loans | 0.0396% | 2,831 |
| Credit loss provision to net charge-offs | 289.2857% | 818 |
| Earnings coverage of net charge-offs (x) | 79.6964% | 539 |
| Efficiency ratio | 51.0905% | 6,187 |
| Assets per employee ($millions) | 5.5190% | 1,691 |
| Cash dividends to net income (ytd only)* | 133.9056% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,090 |
| Loan loss allowance to noncurrent loans | 129.1515% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 3,127 |
| Noncurrent loans to loans | 1.3807% | 2,719 |
| Net loans and leases to total assets | 67.1295% | 2,372 |
| Net loans and leases to deposits | 77.7873% | 2,588 |
| Net loans and leases to core deposits | 81.8550% | 2,750 |
| Total domestic deposits to total assets | 86.2988% | 3,212 |
| Equity capital to assets | 10.9625% | 2,750 |
| Core capital (leverage) ratio | 10.0057% | 3,569 |
| Tier 1 risk-based capital ratio | 13.1786% | 4,906 |
| Total risk-based capital ratio | 14.4335% | 4,837 |
| Memoranda: | ||
| Average total assets | $814,735,500 | 842 |
| Average earning assets | $743,466,500 | 835 |
| Average equity | $88,847,500 | 826 |
| Average total loans | $565,449,500 | 776 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 2,270 |
| Cost of funding earning assets | 0.4961% | 3,654 |
| Net interest margin | 3.9887% | 1,980 |
| Noninterest income to average assets | 0.9876% | 1,427 |
| Noninterest expense to average assets | 2.4110% | 5,044 |
| Loan and lease loss provision to assets | 0.1174% | 2,852 |
| Net operating income to assets | 2.0928% | 292 |
| Return on assets (ROA) | 2.0928% | 291 |
| Pretax return on assets | 2.0940% | 391 |
| Return on Equity (ROE) | 19.1312% | 326 |
| Retained earnings to average equity (ytd only) | 9.0336% | 766 |
| Net charge-offs to loans | 0.1359% | 3,446 |
| Credit loss provision to net charge-offs | 126.5688% | 1,867 |
| Earnings coverage of net charge-offs (x) | 23.8451% | 1,392 |
| Efficiency ratio | 51.7974% | 6,309 |
| Assets per employee ($millions) | 5.5283% | 1,626 |
| Cash dividends to net income (ytd only)* | 52.7807% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 2,335 |
| Loan loss allowance to noncurrent loans | 122.0446% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 3,163 |
| Noncurrent loans to loans | 1.4093% | 2,784 |
| Net loans and leases to total assets | 69.2508% | 2,134 |
| Net loans and leases to deposits | 80.9622% | 2,327 |
| Net loans and leases to core deposits | 85.1220% | 2,550 |
| Total domestic deposits to total assets | 85.5348% | 3,492 |
| Equity capital to assets | 10.8474% | 2,763 |
| Core capital (leverage) ratio | 10.1558% | 3,353 |
| Tier 1 risk-based capital ratio | 13.0882% | 4,917 |
| Total risk-based capital ratio | 14.3424% | 4,870 |
| Memoranda: | ||
| Average total assets | $807,632,400 | 821 |
| Average earning assets | $735,982,400 | 823 |
| Average equity | $88,348,000 | 795 |
| Average total loans | $551,336,200 | 764 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 2,366 |
| Cost of funding earning assets | 0.5096% | 3,679 |
| Net interest margin | 3.9554% | 2,096 |
| Noninterest income to average assets | 0.9737% | 1,526 |
| Noninterest expense to average assets | 2.2998% | 5,343 |
| Loan and lease loss provision to assets | 0.1176% | 2,828 |
| Net operating income to assets | 2.1622% | 280 |
| Return on assets (ROA) | 2.1622% | 288 |
| Pretax return on assets | 2.1639% | 423 |
| Return on Equity (ROE) | 19.7242% | 317 |
| Retained earnings to average equity (ytd only) | 9.1464% | 1,018 |
| Net charge-offs to loans | 0.0239% | 4,650 |
| Credit loss provision to net charge-offs | 725.5102% | 403 |
| Earnings coverage of net charge-offs (x) | 140.7996% | 390 |
| Efficiency ratio | 49.8358% | 6,408 |
| Assets per employee ($millions) | 5.3043% | 1,841 |
| Cash dividends to net income (ytd only)* | 53.6285% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,173 |
| Loan loss allowance to noncurrent loans | 122.9838% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1558% | 3,343 |
| Noncurrent loans to loans | 1.4967% | 2,921 |
| Net loans and leases to total assets | 69.2490% | 2,093 |
| Net loans and leases to deposits | 80.9277% | 2,274 |
| Net loans and leases to core deposits | 85.1822% | 2,515 |
| Total domestic deposits to total assets | 85.5689% | 3,461 |
| Equity capital to assets | 11.1083% | 2,656 |
| Core capital (leverage) ratio | 10.0751% | 3,563 |
| Tier 1 risk-based capital ratio | 13.1556% | 5,011 |
| Total risk-based capital ratio | 14.4114% | 4,958 |
| Memoranda: | ||
| Average total assets | $806,374,250 | 831 |
| Average earning assets | $735,452,500 | 827 |
| Average equity | $88,396,750 | 802 |
| Average total loans | $546,013,750 | 770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 2,657 |
| Cost of funding earning assets | 0.5243% | 3,660 |
| Net interest margin | 3.8510% | 2,373 |
| Noninterest income to average assets | 0.9594% | 1,629 |
| Noninterest expense to average assets | 2.3116% | 5,336 |
| Loan and lease loss provision to assets | 0.1168% | 2,863 |
| Net operating income to assets | 2.0396% | 338 |
| Return on assets (ROA) | 2.0396% | 354 |
| Pretax return on assets | 2.0421% | 556 |
| Return on Equity (ROE) | 18.6867% | 411 |
| Retained earnings to average equity (ytd only) | 6.4855% | 2,157 |
| Net charge-offs to loans | 0.0317% | 4,246 |
| Credit loss provision to net charge-offs | 551.1628% | 519 |
| Earnings coverage of net charge-offs (x) | 101.8837% | 456 |
| Efficiency ratio | 51.3393% | 6,324 |
| Assets per employee ($millions) | 5.3323% | 1,760 |
| Cash dividends to net income (ytd only)* | 65.2935% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,324 |
| Loan loss allowance to noncurrent loans | 117.4860% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 3,365 |
| Noncurrent loans to loans | 1.5592% | 2,969 |
| Net loans and leases to total assets | 67.7056% | 2,305 |
| Net loans and leases to deposits | 78.9150% | 2,467 |
| Net loans and leases to core deposits | 82.8600% | 2,713 |
| Total domestic deposits to total assets | 85.7956% | 3,481 |
| Equity capital to assets | 10.9360% | 2,810 |
| Core capital (leverage) ratio | 9.5482% | 4,168 |
| Tier 1 risk-based capital ratio | 12.9079% | 5,216 |
| Total risk-based capital ratio | 14.1638% | 5,147 |
| Memoranda: | ||
| Average total assets | $811,716,670 | 824 |
| Average earning assets | $740,077,000 | 818 |
| Average equity | $88,597,670 | 800 |
| Average total loans | $542,161,670 | 769 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,828 |
| Cost of funding earning assets | 0.5260% | 3,830 |
| Net interest margin | 3.7892% | 2,489 |
| Noninterest income to average assets | 0.9265% | 1,669 |
| Noninterest expense to average assets | 2.3098% | 5,397 |
| Loan and lease loss provision to assets | 0.1156% | 2,788 |
| Net operating income to assets | 1.9500% | 376 |
| Return on assets (ROA) | 1.9500% | 407 |
| Pretax return on assets | 1.9539% | 651 |
| Return on Equity (ROE) | 17.8821% | 444 |
| Retained earnings to average equity (ytd only) | 0.9077% | 5,483 |
| Net charge-offs to loans | -0.0111% | 5,485 |
| Credit loss provision to net charge-offs | -1,580.0000% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3772% | 6,354 |
| Assets per employee ($millions) | 5.3867% | 1,759 |
| Cash dividends to net income (ytd only)* | 94.9237% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 2,405 |
| Loan loss allowance to noncurrent loans | 111.3961% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 3,590 |
| Noncurrent loans to loans | 1.6733% | 3,037 |
| Net loans and leases to total assets | 64.0936% | 2,688 |
| Net loans and leases to deposits | 74.8114% | 2,800 |
| Net loans and leases to core deposits | 78.5511% | 2,984 |
| Total domestic deposits to total assets | 85.6736% | 3,695 |
| Equity capital to assets | 11.0107% | 2,949 |
| Core capital (leverage) ratio | 9.1630% | 4,624 |
| Tier 1 risk-based capital ratio | 12.6838% | 5,440 |
| Total risk-based capital ratio | 13.9398% | 5,390 |
| Memoranda: | ||
| Average total assets | $820,317,500 | 818 |
| Average earning assets | $747,484,500 | 820 |
| Average equity | $89,452,500 | 796 |
| Average total loans | $539,258,000 | 779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 2,581 |
| Cost of funding earning assets | 0.6649% | 3,786 |
| Net interest margin | 4.0384% | 2,241 |
| Noninterest income to average assets | 0.9054% | 1,843 |
| Noninterest expense to average assets | 2.4239% | 5,345 |
| Loan and lease loss provision to assets | 0.1586% | 3,631 |
| Net operating income to assets | 1.9846% | 366 |
| Return on assets (ROA) | 1.9846% | 401 |
| Pretax return on assets | 1.9852% | 624 |
| Return on Equity (ROE) | 18.0850% | 440 |
| Retained earnings to average equity (ytd only) | 4.5525% | 3,019 |
| Net charge-offs to loans | 0.0490% | 5,228 |
| Credit loss provision to net charge-offs | 489.4118% | 497 |
| Earnings coverage of net charge-offs (x) | 66.1529% | 546 |
| Efficiency ratio | 52.6904% | 6,402 |
| Assets per employee ($millions) | 5.4068% | 1,775 |
| Cash dividends to net income (ytd only)* | 74.8271% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,716 |
| Loan loss allowance to noncurrent loans | 108.6957% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 3,715 |
| Noncurrent loans to loans | 1.6222% | 3,196 |
| Net loans and leases to total assets | 64.9908% | 2,723 |
| Net loans and leases to deposits | 76.3933% | 2,737 |
| Net loans and leases to core deposits | 80.3231% | 2,964 |
| Total domestic deposits to total assets | 85.0740% | 3,828 |
| Equity capital to assets | 10.8003% | 3,174 |
| Core capital (leverage) ratio | 9.1861% | 4,607 |
| Tier 1 risk-based capital ratio | 12.2692% | 5,620 |
| Total risk-based capital ratio | 13.5242% | 5,570 |
| Memoranda: | ||
| Average total assets | $786,865,200 | 844 |
| Average earning assets | $713,605,800 | 839 |
| Average equity | $86,347,800 | 803 |
| Average total loans | $520,793,000 | 794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 2,568 |
| Cost of funding earning assets | 0.6939% | 3,826 |
| Net interest margin | 4.0592% | 2,262 |
| Noninterest income to average assets | 0.9913% | 1,528 |
| Noninterest expense to average assets | 2.3620% | 5,510 |
| Loan and lease loss provision to assets | 0.1607% | 3,501 |
| Net operating income to assets | 2.1480% | 312 |
| Return on assets (ROA) | 2.1480% | 347 |
| Pretax return on assets | 2.1526% | 522 |
| Return on Equity (ROE) | 19.4920% | 365 |
| Retained earnings to average equity (ytd only) | 4.5934% | 3,669 |
| Net charge-offs to loans | 0.0301% | 5,232 |
| Credit loss provision to net charge-offs | 806.8966% | 348 |
| Earnings coverage of net charge-offs (x) | 116.1831% | 369 |
| Efficiency ratio | 50.1469% | 6,580 |
| Assets per employee ($millions) | 5.0258% | 2,157 |
| Cash dividends to net income (ytd only)* | 76.4343% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 2,864 |
| Loan loss allowance to noncurrent loans | 107.3030% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 3,697 |
| Noncurrent loans to loans | 1.6574% | 3,307 |
| Net loans and leases to total assets | 66.3338% | 2,588 |
| Net loans and leases to deposits | 79.1077% | 2,523 |
| Net loans and leases to core deposits | 83.3684% | 2,768 |
| Total domestic deposits to total assets | 83.8525% | 4,296 |
| Equity capital to assets | 11.2504% | 2,981 |
| Core capital (leverage) ratio | 9.3724% | 4,473 |
| Tier 1 risk-based capital ratio | 12.4687% | 5,668 |
| Total risk-based capital ratio | 13.7239% | 5,627 |
| Memoranda: | ||
| Average total assets | $776,771,750 | 862 |
| Average earning assets | $704,978,750 | 862 |
| Average equity | $85,598,750 | 817 |
| Average total loans | $514,171,500 | 815 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 2,698 |
| Cost of funding earning assets | 0.7120% | 3,921 |
| Net interest margin | 4.0435% | 2,323 |
| Noninterest income to average assets | 0.9458% | 1,632 |
| Noninterest expense to average assets | 2.4181% | 5,386 |
| Loan and lease loss provision to assets | 0.1615% | 3,495 |
| Net operating income to assets | 2.0285% | 378 |
| Return on assets (ROA) | 2.0285% | 426 |
| Pretax return on assets | 2.0337% | 648 |
| Return on Equity (ROE) | 18.5401% | 450 |
| Retained earnings to average equity (ytd only) | 0.1017% | 6,007 |
| Net charge-offs to loans | 0.0398% | 4,822 |
| Credit loss provision to net charge-offs | 617.8218% | 506 |
| Earnings coverage of net charge-offs (x) | 83.9703% | 490 |
| Efficiency ratio | 52.0395% | 6,503 |
| Assets per employee ($millions) | 4.8928% | 2,305 |
| Cash dividends to net income (ytd only)* | 99.4513% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 2,978 |
| Loan loss allowance to noncurrent loans | 100.9013% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 3,701 |
| Noncurrent loans to loans | 1.7458% | 3,280 |
| Net loans and leases to total assets | 66.2255% | 2,624 |
| Net loans and leases to deposits | 77.7539% | 2,711 |
| Net loans and leases to core deposits | 81.8955% | 2,972 |
| Total domestic deposits to total assets | 85.1733% | 3,783 |
| Equity capital to assets | 11.0873% | 3,027 |
| Core capital (leverage) ratio | 8.9946% | 4,926 |
| Tier 1 risk-based capital ratio | 12.2161% | 5,781 |
| Total risk-based capital ratio | 13.4711% | 5,761 |
| Memoranda: | ||
| Average total assets | $772,677,330 | 861 |
| Average earning assets | $700,829,670 | 865 |
| Average equity | $84,541,000 | 821 |
| Average total loans | $507,933,000 | 820 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 2,994 |
| Cost of funding earning assets | 0.7303% | 4,024 |
| Net interest margin | 3.9851% | 2,569 |
| Noninterest income to average assets | 0.9150% | 1,684 |
| Noninterest expense to average assets | 2.4674% | 5,258 |
| Loan and lease loss provision to assets | 0.1616% | 3,367 |
| Net operating income to assets | 1.8936% | 498 |
| Return on assets (ROA) | 1.8936% | 571 |
| Pretax return on assets | 1.8998% | 878 |
| Return on Equity (ROE) | 17.4235% | 615 |
| Retained earnings to average equity (ytd only) | -10.3055% | 6,849 |
| Net charge-offs to loans | -0.0008% | 5,717 |
| Credit loss provision to net charge-offs | -31,200.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0933% | 6,341 |
| Assets per employee ($millions) | 4.9704% | 2,287 |
| Cash dividends to net income (ytd only)* | 159.1468% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 3,005 |
| Loan loss allowance to noncurrent loans | 98.4957% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 3,847 |
| Noncurrent loans to loans | 1.8246% | 3,374 |
| Net loans and leases to total assets | 62.4145% | 3,169 |
| Net loans and leases to deposits | 72.7823% | 3,305 |
| Net loans and leases to core deposits | 76.5799% | 3,545 |
| Total domestic deposits to total assets | 85.7551% | 3,657 |
| Equity capital to assets | 10.5264% | 3,462 |
| Core capital (leverage) ratio | 8.8257% | 5,101 |
| Tier 1 risk-based capital ratio | 12.1811% | 5,839 |
| Total risk-based capital ratio | 13.4361% | 5,812 |
| Memoranda: | ||
| Average total assets | $772,484,500 | 861 |
| Average earning assets | $700,508,000 | 867 |
| Average equity | $83,955,500 | 819 |
| Average total loans | $501,327,000 | 827 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 2,010 |
| Cost of funding earning assets | 0.9454% | 3,746 |
| Net interest margin | 4.2667% | 1,819 |
| Noninterest income to average assets | 1.0462% | 1,232 |
| Noninterest expense to average assets | 2.7992% | 4,348 |
| Loan and lease loss provision to assets | 0.3334% | 3,028 |
| Net operating income to assets | 1.7701% | 489 |
| Return on assets (ROA) | 1.7791% | 521 |
| Pretax return on assets | 1.7822% | 838 |
| Return on Equity (ROE) | 15.6748% | 653 |
| Retained earnings to average equity (ytd only) | 4.8210% | 2,770 |
| Net charge-offs to loans | 0.0706% | 5,607 |
| Credit loss provision to net charge-offs | 675.2089% | 326 |
| Earnings coverage of net charge-offs (x) | 42.6574% | 642 |
| Efficiency ratio | 56.3678% | 6,268 |
| Assets per employee ($millions) | 4.7478% | 2,521 |
| Cash dividends to net income (ytd only)* | 69.2439% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 3,128 |
| Loan loss allowance to noncurrent loans | 93.3973% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 3,797 |
| Noncurrent loans to loans | 1.8408% | 3,422 |
| Net loans and leases to total assets | 65.1450% | 2,947 |
| Net loans and leases to deposits | 77.3378% | 2,951 |
| Net loans and leases to core deposits | 81.6237% | 3,230 |
| Total domestic deposits to total assets | 84.2344% | 4,223 |
| Equity capital to assets | 11.2216% | 2,770 |
| Core capital (leverage) ratio | 9.2196% | 4,436 |
| Tier 1 risk-based capital ratio | 12.6095% | 5,364 |
| Total risk-based capital ratio | 13.8639% | 5,347 |
| Memoranda: | ||
| Average total assets | $726,982,200 | 901 |
| Average earning assets | $657,609,000 | 904 |
| Average equity | $82,514,600 | 810 |
| Average total loans | $508,368,200 | 819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 1,900 |
| Cost of funding earning assets | 0.9945% | 3,719 |
| Net interest margin | 4.2958% | 1,730 |
| Noninterest income to average assets | 1.0560% | 1,204 |
| Noninterest expense to average assets | 2.5931% | 5,106 |
| Loan and lease loss provision to assets | 0.3840% | 2,555 |
| Net operating income to assets | 1.9636% | 368 |
| Return on assets (ROA) | 1.9828% | 386 |
| Pretax return on assets | 1.9856% | 644 |
| Return on Equity (ROE) | 17.4174% | 521 |
| Retained earnings to average equity (ytd only) | 5.1079% | 3,103 |
| Net charge-offs to loans | 0.0191% | 5,888 |
| Credit loss provision to net charge-offs | 2,835.6164% | 101 |
| Earnings coverage of net charge-offs (x) | 173.5769% | 223 |
| Efficiency ratio | 51.7579% | 6,700 |
| Assets per employee ($millions) | 4.5431% | 2,850 |
| Cash dividends to net income (ytd only)* | 70.6735% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 3,219 |
| Loan loss allowance to noncurrent loans | 90.7448% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 3,890 |
| Noncurrent loans to loans | 1.8906% | 3,516 |
| Net loans and leases to total assets | 66.8539% | 2,703 |
| Net loans and leases to deposits | 79.1141% | 2,794 |
| Net loans and leases to core deposits | 83.7700% | 3,093 |
| Total domestic deposits to total assets | 84.5032% | 4,006 |
| Equity capital to assets | 11.5092% | 2,670 |
| Core capital (leverage) ratio | 9.4788% | 4,177 |
| Tier 1 risk-based capital ratio | 12.5217% | 5,469 |
| Total risk-based capital ratio | 13.7762% | 5,456 |
| Memoranda: | ||
| Average total assets | $718,814,750 | 918 |
| Average earning assets | $650,478,750 | 920 |
| Average equity | $81,832,000 | 821 |
| Average total loans | $509,577,250 | 830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 1,854 |
| Cost of funding earning assets | 1.0302% | 3,745 |
| Net interest margin | 4.2792% | 1,736 |
| Noninterest income to average assets | 1.0599% | 1,168 |
| Noninterest expense to average assets | 2.6527% | 4,996 |
| Loan and lease loss provision to assets | 0.3669% | 2,597 |
| Net operating income to assets | 1.9120% | 398 |
| Return on assets (ROA) | 1.9274% | 409 |
| Pretax return on assets | 1.9293% | 663 |
| Return on Equity (ROE) | 16.9943% | 556 |
| Retained earnings to average equity (ytd only) | 3.9172% | 3,698 |
| Net charge-offs to loans | 0.0273% | 5,443 |
| Credit loss provision to net charge-offs | 1,868.5714% | 183 |
| Earnings coverage of net charge-offs (x) | 116.1714% | 305 |
| Efficiency ratio | 53.0699% | 6,707 |
| Assets per employee ($millions) | 4.3199% | 3,132 |
| Cash dividends to net income (ytd only)* | 76.9499% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 3,925 |
| Loan loss allowance to noncurrent loans | 78.0736% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 3,725 |
| Noncurrent loans to loans | 1.9775% | 3,515 |
| Net loans and leases to total assets | 70.0522% | 2,207 |
| Net loans and leases to deposits | 83.0701% | 2,264 |
| Net loans and leases to core deposits | 88.0836% | 2,635 |
| Total domestic deposits to total assets | 84.3290% | 4,205 |
| Equity capital to assets | 11.6453% | 2,368 |
| Core capital (leverage) ratio | 9.3085% | 4,239 |
| Tier 1 risk-based capital ratio | 12.2434% | 5,570 |
| Total risk-based capital ratio | 13.4891% | 5,558 |
| Memoranda: | ||
| Average total assets | $713,091,330 | 927 |
| Average earning assets | $645,488,000 | 936 |
| Average equity | $80,874,000 | 830 |
| Average total loans | $512,561,670 | 839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 1,584 |
| Cost of funding earning assets | 1.0622% | 3,773 |
| Net interest margin | 4.3306% | 1,466 |
| Noninterest income to average assets | 0.9809% | 1,385 |
| Noninterest expense to average assets | 2.6891% | 4,879 |
| Loan and lease loss provision to assets | 0.3690% | 2,347 |
| Net operating income to assets | 1.8395% | 454 |
| Return on assets (ROA) | 1.8395% | 478 |
| Pretax return on assets | 1.8395% | 754 |
| Return on Equity (ROE) | 16.4394% | 634 |
| Retained earnings to average equity (ytd only) | -1.9447% | 6,135 |
| Net charge-offs to loans | 0.0140% | 4,887 |
| Credit loss provision to net charge-offs | 3,655.5556% | 100 |
| Earnings coverage of net charge-offs (x) | 218.7778% | 142 |
| Efficiency ratio | 54.2082% | 6,674 |
| Assets per employee ($millions) | 4.3437% | 3,147 |
| Cash dividends to net income (ytd only)* | 111.8293% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,503 |
| Loan loss allowance to noncurrent loans | 291.9661% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 5,827 |
| Noncurrent loans to loans | 0.4916% | 6,030 |
| Net loans and leases to total assets | 68.8717% | 2,359 |
| Net loans and leases to deposits | 81.0030% | 2,524 |
| Net loans and leases to core deposits | 85.6931% | 2,922 |
| Total domestic deposits to total assets | 85.0236% | 4,021 |
| Equity capital to assets | 11.0648% | 2,623 |
| Core capital (leverage) ratio | 9.0434% | 4,547 |
| Tier 1 risk-based capital ratio | 11.9335% | 5,750 |
| Total risk-based capital ratio | 13.1850% | 5,739 |
| Memoranda: | ||
| Average total assets | $713,248,500 | 936 |
| Average earning assets | $645,085,500 | 942 |
| Average equity | $79,808,500 | 835 |
| Average total loans | $515,269,500 | 847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7113% | 1,531 |
| Cost of funding earning assets | 1.3449% | 3,611 |
| Net interest margin | 4.3664% | 1,595 |
| Noninterest income to average assets | 0.9385% | 1,712 |
| Noninterest expense to average assets | 2.7000% | 4,990 |
| Loan and lease loss provision to assets | 0.4555% | 3,392 |
| Net operating income to assets | 1.7108% | 505 |
| Return on assets (ROA) | 1.7302% | 531 |
| Pretax return on assets | 1.7359% | 881 |
| Return on Equity (ROE) | 15.3705% | 667 |
| Retained earnings to average equity (ytd only) | 4.3843% | 2,779 |
| Net charge-offs to loans | 0.3749% | 4,164 |
| Credit loss provision to net charge-offs | 165.3465% | 2,074 |
| Earnings coverage of net charge-offs (x) | 7.8848% | 2,051 |
| Efficiency ratio | 54.6877% | 6,745 |
| Assets per employee ($millions) | 4.1742% | 3,434 |
| Cash dividends to net income (ytd only)* | 71.4760% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 5,252 |
| Loan loss allowance to noncurrent loans | 240.5839% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 5,808 |
| Noncurrent loans to loans | 0.5202% | 5,999 |
| Net loans and leases to total assets | 73.7286% | 1,714 |
| Net loans and leases to deposits | 87.9059% | 1,806 |
| Net loans and leases to core deposits | 92.7839% | 2,413 |
| Total domestic deposits to total assets | 83.8721% | 4,410 |
| Equity capital to assets | 11.3169% | 2,397 |
| Core capital (leverage) ratio | 9.1138% | 4,329 |
| Tier 1 risk-based capital ratio | 11.6453% | 5,778 |
| Total risk-based capital ratio | 12.8593% | 5,820 |
| Memoranda: | ||
| Average total assets | $696,628,600 | 955 |
| Average earning assets | $627,565,200 | 960 |
| Average equity | $78,416,600 | 841 |
| Average total loans | $511,899,400 | 883 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7033% | 1,701 |
| Cost of funding earning assets | 1.3923% | 3,623 |
| Net interest margin | 4.3110% | 1,814 |
| Noninterest income to average assets | 0.9373% | 1,657 |
| Noninterest expense to average assets | 2.6705% | 5,003 |
| Loan and lease loss provision to assets | 0.3909% | 3,548 |
| Net operating income to assets | 1.7545% | 561 |
| Return on assets (ROA) | 1.7804% | 578 |
| Pretax return on assets | 1.7868% | 949 |
| Return on Equity (ROE) | 15.8382% | 728 |
| Retained earnings to average equity (ytd only) | 3.3613% | 4,083 |
| Net charge-offs to loans | 0.2039% | 4,722 |
| Credit loss provision to net charge-offs | 262.0335% | 1,262 |
| Earnings coverage of net charge-offs (x) | 14.4235% | 1,518 |
| Efficiency ratio | 54.6305% | 6,728 |
| Assets per employee ($millions) | 4.1686% | 3,505 |
| Cash dividends to net income (ytd only)* | 78.7771% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 5,108 |
| Loan loss allowance to noncurrent loans | 198.2272% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 5,796 |
| Noncurrent loans to loans | 0.6411% | 5,924 |
| Net loans and leases to total assets | 73.6172% | 1,886 |
| Net loans and leases to deposits | 87.4857% | 2,081 |
| Net loans and leases to core deposits | 92.1281% | 2,779 |
| Total domestic deposits to total assets | 84.1477% | 4,033 |
| Equity capital to assets | 11.5566% | 2,487 |
| Core capital (leverage) ratio | 9.1314% | 4,481 |
| Tier 1 risk-based capital ratio | 11.5255% | 5,907 |
| Total risk-based capital ratio | 12.7578% | 5,914 |
| Memoranda: | ||
| Average total assets | $694,425,000 | 963 |
| Average earning assets | $625,797,000 | 971 |
| Average equity | $78,062,250 | 849 |
| Average total loans | $508,198,000 | 891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 1,758 |
| Cost of funding earning assets | 1.4271% | 3,703 |
| Net interest margin | 4.2749% | 1,872 |
| Noninterest income to average assets | 0.9195% | 1,620 |
| Noninterest expense to average assets | 2.6937% | 4,934 |
| Loan and lease loss provision to assets | 0.3816% | 3,427 |
| Net operating income to assets | 1.6845% | 603 |
| Return on assets (ROA) | 1.7217% | 617 |
| Pretax return on assets | 1.7289% | 1,003 |
| Return on Equity (ROE) | 15.4610% | 769 |
| Retained earnings to average equity (ytd only) | -0.0466% | 5,742 |
| Net charge-offs to loans | 0.0587% | 5,571 |
| Credit loss provision to net charge-offs | 894.5946% | 420 |
| Earnings coverage of net charge-offs (x) | 48.6014% | 609 |
| Efficiency ratio | 55.7504% | 6,666 |
| Assets per employee ($millions) | 4.1904% | 3,401 |
| Cash dividends to net income (ytd only)* | 100.3014% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 5,062 |
| Loan loss allowance to noncurrent loans | 184.9517% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 5,699 |
| Noncurrent loans to loans | 0.6891% | 5,870 |
| Net loans and leases to total assets | 72.5412% | 2,270 |
| Net loans and leases to deposits | 86.2746% | 2,467 |
| Net loans and leases to core deposits | 90.4385% | 3,194 |
| Total domestic deposits to total assets | 84.0818% | 4,076 |
| Equity capital to assets | 11.2860% | 2,604 |
| Core capital (leverage) ratio | 8.8036% | 4,907 |
| Tier 1 risk-based capital ratio | 11.3104% | 5,933 |
| Total risk-based capital ratio | 12.5454% | 5,934 |
| Memoranda: | ||
| Average total assets | $693,846,000 | 971 |
| Average earning assets | $624,479,000 | 984 |
| Average equity | $77,265,330 | 852 |
| Average total loans | $504,566,670 | 900 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6458% | 1,973 |
| Cost of funding earning assets | 1.4684% | 3,749 |
| Net interest margin | 4.1775% | 2,132 |
| Noninterest income to average assets | 0.9011% | 1,620 |
| Noninterest expense to average assets | 2.7130% | 4,843 |
| Loan and lease loss provision to assets | 0.2667% | 3,891 |
| Net operating income to assets | 1.6618% | 666 |
| Return on assets (ROA) | 1.6618% | 716 |
| Pretax return on assets | 1.6722% | 1,112 |
| Return on Equity (ROE) | 15.0251% | 871 |
| Retained earnings to average equity (ytd only) | -9.3313% | 6,923 |
| Net charge-offs to loans | 0.0726% | 4,693 |
| Credit loss provision to net charge-offs | 507.6923% | 820 |
| Earnings coverage of net charge-offs (x) | 36.9121% | 737 |
| Efficiency ratio | 57.5382% | 6,558 |
| Assets per employee ($millions) | 4.9867% | 2,249 |
| Cash dividends to net income (ytd only)* | 162.1049% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,742 |
| Loan loss allowance to noncurrent loans | 162.3258% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 5,750 |
| Noncurrent loans to loans | 0.7121% | 5,910 |
| Net loans and leases to total assets | 69.9270% | 2,956 |
| Net loans and leases to deposits | 82.5387% | 3,188 |
| Net loans and leases to core deposits | 82.8451% | 4,374 |
| Total domestic deposits to total assets | 84.7202% | 3,797 |
| Equity capital to assets | 10.8889% | 2,855 |
| Core capital (leverage) ratio | 8.6415% | 5,133 |
| Tier 1 risk-based capital ratio | 11.2424% | 5,908 |
| Total risk-based capital ratio | 12.3524% | 6,028 |
| Memoranda: | ||
| Average total assets | $692,966,500 | 992 |
| Average earning assets | $622,194,000 | 1,005 |
| Average equity | $76,645,000 | 858 |
| Average total loans | $501,293,000 | 936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1722% | 1,315 |
| Cost of funding earning assets | 1.8327% | 3,822 |
| Net interest margin | 4.3395% | 1,602 |
| Noninterest income to average assets | 0.9337% | 1,816 |
| Noninterest expense to average assets | 2.8983% | 4,533 |
| Loan and lease loss provision to assets | 0.3470% | 4,721 |
| Net operating income to assets | 1.5883% | 564 |
| Return on assets (ROA) | 1.6708% | 499 |
| Pretax return on assets | 1.6644% | 846 |
| Return on Equity (ROE) | 14.9533% | 679 |
| Retained earnings to average equity (ytd only) | 7.1007% | 931 |
| Net charge-offs to loans | 0.2139% | 5,285 |
| Credit loss provision to net charge-offs | 216.3704% | 1,760 |
| Earnings coverage of net charge-offs (x) | 12.0281% | 1,540 |
| Efficiency ratio | 58.9658% | 6,620 |
| Assets per employee ($millions) | 4.2456% | 3,351 |
| Cash dividends to net income (ytd only)* | 52.5139% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,127 |
| Loan loss allowance to noncurrent loans | 143.3405% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 5,630 |
| Noncurrent loans to loans | 0.7321% | 5,791 |
| Net loans and leases to total assets | 73.1835% | 2,456 |
| Net loans and leases to deposits | 87.2591% | 2,689 |
| Net loans and leases to core deposits | 101.0585% | 3,895 |
| Total domestic deposits to total assets | 83.8692% | 4,092 |
| Equity capital to assets | 11.2346% | 2,508 |
| Core capital (leverage) ratio | 8.9185% | 4,564 |
| Tier 1 risk-based capital ratio | 11.3556% | 5,561 |
| Total risk-based capital ratio | 12.3760% | 5,752 |
| Memoranda: | ||
| Average total assets | $666,607,400 | 1,041 |
| Average earning assets | $598,089,400 | 1,045 |
| Average equity | $74,485,400 | 869 |
| Average total loans | $499,714,000 | 954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2144% | 1,338 |
| Cost of funding earning assets | 1.8987% | 3,897 |
| Net interest margin | 4.3157% | 1,693 |
| Noninterest income to average assets | 0.9395% | 1,818 |
| Noninterest expense to average assets | 2.8980% | 4,465 |
| Loan and lease loss provision to assets | 0.2794% | 4,739 |
| Net operating income to assets | 1.6504% | 605 |
| Return on assets (ROA) | 1.7157% | 574 |
| Pretax return on assets | 1.7057% | 963 |
| Return on Equity (ROE) | 15.3767% | 721 |
| Retained earnings to average equity (ytd only) | 6.5681% | 1,677 |
| Net charge-offs to loans | 0.0244% | 6,546 |
| Credit loss provision to net charge-offs | 1,523.0769% | 254 |
| Earnings coverage of net charge-offs (x) | 104.6376% | 350 |
| Efficiency ratio | 59.0685% | 6,559 |
| Assets per employee ($millions) | 4.1195% | 3,530 |
| Cash dividends to net income (ytd only)* | 57.2856% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 5,940 |
| Loan loss allowance to noncurrent loans | 141.2952% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 5,590 |
| Noncurrent loans to loans | 0.7527% | 5,802 |
| Net loans and leases to total assets | 74.6555% | 2,322 |
| Net loans and leases to deposits | 89.3341% | 2,711 |
| Net loans and leases to core deposits | 103.9360% | 3,945 |
| Total domestic deposits to total assets | 83.5689% | 3,921 |
| Equity capital to assets | 11.4217% | 2,655 |
| Core capital (leverage) ratio | 8.8885% | 4,829 |
| Tier 1 risk-based capital ratio | 11.1030% | 5,849 |
| Total risk-based capital ratio | 12.1406% | 6,022 |
| Memoranda: | ||
| Average total assets | $661,312,000 | 1,058 |
| Average earning assets | $594,279,250 | 1,075 |
| Average equity | $73,789,250 | 890 |
| Average total loans | $497,471,000 | 984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2282% | 1,385 |
| Cost of funding earning assets | 1.9545% | 3,982 |
| Net interest margin | 4.2737% | 1,737 |
| Noninterest income to average assets | 0.9329% | 1,829 |
| Noninterest expense to average assets | 2.8727% | 4,615 |
| Loan and lease loss provision to assets | 0.3113% | 4,080 |
| Net operating income to assets | 1.6072% | 668 |
| Return on assets (ROA) | 1.6762% | 645 |
| Pretax return on assets | 1.6579% | 1,096 |
| Return on Equity (ROE) | 15.1441% | 808 |
| Retained earnings to average equity (ytd only) | 4.4685% | 2,807 |
| Net charge-offs to loans | 0.0162% | 6,302 |
| Credit loss provision to net charge-offs | 2,560.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 156.2750% | 261 |
| Efficiency ratio | 59.0918% | 6,677 |
| Assets per employee ($millions) | 4.0138% | 3,646 |
| Cash dividends to net income (ytd only)* | 70.4933% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 6,063 |
| Loan loss allowance to noncurrent loans | 129.4088% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 5,390 |
| Noncurrent loans to loans | 0.7899% | 5,651 |
| Net loans and leases to total assets | 74.2403% | 2,639 |
| Net loans and leases to deposits | 88.5764% | 3,075 |
| Net loans and leases to core deposits | 103.2360% | 4,152 |
| Total domestic deposits to total assets | 83.8150% | 3,863 |
| Equity capital to assets | 11.1245% | 2,817 |
| Core capital (leverage) ratio | 8.6411% | 5,195 |
| Tier 1 risk-based capital ratio | 10.9382% | 5,940 |
| Total risk-based capital ratio | 11.9377% | 6,133 |
| Memoranda: | ||
| Average total assets | $657,921,330 | 1,086 |
| Average earning assets | $591,148,670 | 1,098 |
| Average equity | $72,820,670 | 916 |
| Average total loans | $494,398,330 | 1,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2487% | 1,450 |
| Cost of funding earning assets | 2.0752% | 3,766 |
| Net interest margin | 4.1735% | 1,999 |
| Noninterest income to average assets | 0.9351% | 1,719 |
| Noninterest expense to average assets | 2.9621% | 3,934 |
| Loan and lease loss provision to assets | 0.2513% | 3,961 |
| Net operating income to assets | 1.5049% | 928 |
| Return on assets (ROA) | 1.6433% | 800 |
| Pretax return on assets | 1.6018% | 1,401 |
| Return on Equity (ROE) | 14.8853% | 996 |
| Retained earnings to average equity (ytd only) | -1.2653% | 5,949 |
| Net charge-offs to loans | 0.0438% | 4,866 |
| Credit loss provision to net charge-offs | 762.9630% | 782 |
| Earnings coverage of net charge-offs (x) | 52.0556% | 699 |
| Efficiency ratio | 62.2147% | 6,015 |
| Assets per employee ($millions) | 4.0189% | 3,627 |
| Cash dividends to net income (ytd only)* | 108.5004% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 6,708 |
| Loan loss allowance to noncurrent loans | 116.3922% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 5,221 |
| Noncurrent loans to loans | 0.7808% | 5,486 |
| Net loans and leases to total assets | 73.2062% | 2,959 |
| Net loans and leases to deposits | 87.5582% | 3,368 |
| Net loans and leases to core deposits | 101.2441% | 4,417 |
| Total domestic deposits to total assets | 83.6087% | 3,873 |
| Equity capital to assets | 10.8509% | 3,124 |
| Core capital (leverage) ratio | 8.4337% | 5,651 |
| Tier 1 risk-based capital ratio | 10.6759% | 6,213 |
| Total risk-based capital ratio | 11.5621% | 6,510 |
| Memoranda: | ||
| Average total assets | $655,744,500 | 1,088 |
| Average earning assets | $587,895,000 | 1,110 |
| Average equity | $72,393,500 | 927 |
| Average total loans | $493,221,000 | 1,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7815% | 1,747 |
| Cost of funding earning assets | 2.6514% | 3,419 |
| Net interest margin | 4.1301% | 2,581 |
| Noninterest income to average assets | 1.0380% | 1,461 |
| Noninterest expense to average assets | 2.8788% | 4,516 |
| Loan and lease loss provision to assets | 0.1151% | 5,902 |
| Net operating income to assets | 1.7077% | 667 |
| Return on assets (ROA) | 1.6325% | 745 |
| Pretax return on assets | 1.6491% | 1,266 |
| Return on Equity (ROE) | 14.8883% | 939 |
| Retained earnings to average equity (ytd only) | 4.8988% | 2,084 |
| Net charge-offs to loans | 0.0969% | 5,358 |
| Credit loss provision to net charge-offs | 157.9741% | 3,287 |
| Earnings coverage of net charge-offs (x) | 25.2651% | 1,340 |
| Efficiency ratio | 59.7412% | 6,397 |
| Assets per employee ($millions) | 3.9296% | 3,659 |
| Cash dividends to net income (ytd only)* | 67.0962% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 7,009 |
| Loan loss allowance to noncurrent loans | 961.0329% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 6,405 |
| Noncurrent loans to loans | 0.0858% | 7,165 |
| Net loans and leases to total assets | 75.9522% | 2,635 |
| Net loans and leases to deposits | 91.4431% | 3,226 |
| Net loans and leases to core deposits | 105.2364% | 4,274 |
| Total domestic deposits to total assets | 83.0595% | 3,744 |
| Equity capital to assets | 11.2331% | 2,857 |
| Core capital (leverage) ratio | 8.5999% | 5,378 |
| Tier 1 risk-based capital ratio | 10.6525% | 6,043 |
| Total risk-based capital ratio | 11.4644% | 6,366 |
| Memoranda: | ||
| Average total assets | $637,069,200 | 1,051 |
| Average earning assets | $567,779,600 | 1,088 |
| Average equity | $69,853,400 | 958 |
| Average total loans | $478,676,200 | 1,008 |