Home > THE VINTON COUNTY NATIONAL BANK > Performance and Condition Ratios
THE VINTON COUNTY NATIONAL BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 3,230 |
| Cost of funding earning assets | 1.4125% | 2,199 |
| Net interest margin | 3.0173% | 3,241 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4588% | 2,419 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7295% | 3,107 |
| Return on assets (ROA) | 0.7295% | 3,092 |
| Pretax return on assets | 0.8842% | 3,004 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 4.5475% | 2,773 |
| Net charge-offs to loans | 0.1033% | 886 |
| Credit loss provision to net charge-offs | 113.6874% | 1,729 |
| Earnings coverage of net charge-offs (x) | 13.7702% | 2,101 |
| Efficiency ratio | 71.2330% | 1,734 |
| Assets per employee ($millions) | 5.8725% | 2,929 |
| Cash dividends to net income (ytd only)* | 39.6668% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,486 |
| Loan loss allowance to noncurrent loans | 480.3772% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 2,583 |
| Noncurrent loans to loans | 0.1999% | 2,511 |
| Net loans and leases to total assets | 69.5400% | 1,862 |
| Net loans and leases to deposits | 78.8595% | 2,205 |
| Net loans and leases to core deposits | 88.8601% | 2,124 |
| Total domestic deposits to total assets | 88.1800% | 1,291 |
| Equity capital to assets | 9.8356% | 2,101 |
| Core capital (leverage) ratio | 10.0852% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,382,404,600 | 758 |
| Average earning assets | $1,321,196,000 | 733 |
| Average equity | $133,789,000 | 742 |
| Average total loans | $947,574,800 | 758 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 3,231 |
| Cost of funding earning assets | 1.3007% | 2,142 |
| Net interest margin | 3.0321% | 3,275 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.4471% | 2,384 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7588% | 3,138 |
| Return on assets (ROA) | 0.7588% | 3,135 |
| Pretax return on assets | 0.9211% | 3,056 |
| Return on Equity (ROE) | 7.8700% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.8628% | 2,982 |
| Net charge-offs to loans | 0.0839% | 883 |
| Credit loss provision to net charge-offs | 96.2775% | 1,652 |
| Earnings coverage of net charge-offs (x) | 17.3519% | 1,904 |
| Efficiency ratio | 70.7906% | 1,699 |
| Assets per employee ($millions) | 5.8165% | 2,912 |
| Cash dividends to net income (ytd only)* | 38.2360% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 3,532 |
| Loan loss allowance to noncurrent loans | 526.3487% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 2,711 |
| Noncurrent loans to loans | 0.1822% | 2,631 |
| Net loans and leases to total assets | 69.1400% | 1,929 |
| Net loans and leases to deposits | 77.5955% | 2,281 |
| Net loans and leases to core deposits | 86.0109% | 2,187 |
| Total domestic deposits to total assets | 89.1000% | 1,211 |
| Equity capital to assets | 9.5311% | 2,078 |
| Core capital (leverage) ratio | 10.1103% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,378,590,000 | 759 |
| Average earning assets | $1,317,140,750 | 736 |
| Average equity | $132,869,000 | 739 |
| Average total loans | $939,121,750 | 768 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 3,280 |
| Cost of funding earning assets | 1.1438% | 2,149 |
| Net interest margin | 3.0630% | 3,293 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.4234% | 2,422 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8045% | 3,067 |
| Return on assets (ROA) | 0.8045% | 3,074 |
| Pretax return on assets | 0.9786% | 2,974 |
| Return on Equity (ROE) | 8.3200% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.3132% | 2,856 |
| Net charge-offs to loans | 0.0841% | 758 |
| Credit loss provision to net charge-offs | 102.3018% | 1,424 |
| Earnings coverage of net charge-offs (x) | 18.3223% | 1,767 |
| Efficiency ratio | 69.5911% | 1,804 |
| Assets per employee ($millions) | 5.6962% | 2,976 |
| Cash dividends to net income (ytd only)* | 36.1141% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,493 |
| Loan loss allowance to noncurrent loans | 749.3956% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 2,906 |
| Noncurrent loans to loans | 0.1312% | 2,818 |
| Net loans and leases to total assets | 67.9200% | 1,965 |
| Net loans and leases to deposits | 77.2341% | 2,197 |
| Net loans and leases to core deposits | 85.4123% | 2,116 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 9.7193% | 2,021 |
| Core capital (leverage) ratio | 10.1023% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,376,675,000 | 749 |
| Average earning assets | $1,315,234,000 | 730 |
| Average equity | $133,178,000 | 732 |
| Average total loans | $930,042,333 | 761 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,339 |
| Cost of funding earning assets | 0.9788% | 2,116 |
| Net interest margin | 3.0853% | 3,382 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.4257% | 2,454 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.7350% | 3,385 |
| Return on assets (ROA) | 0.7350% | 3,343 |
| Pretax return on assets | 0.8903% | 3,268 |
| Return on Equity (ROE) | 7.6200% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.6032% | 3,112 |
| Net charge-offs to loans | 0.1076% | 569 |
| Credit loss provision to net charge-offs | 202.8226% | 821 |
| Earnings coverage of net charge-offs (x) | 14.3831% | 1,570 |
| Efficiency ratio | 69.6809% | 1,777 |
| Assets per employee ($millions) | 5.8909% | 2,854 |
| Cash dividends to net income (ytd only)* | 39.5570% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,392 |
| Loan loss allowance to noncurrent loans | 766.7470% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 2,916 |
| Noncurrent loans to loans | 0.1342% | 2,841 |
| Net loans and leases to total assets | 66.0300% | 2,055 |
| Net loans and leases to deposits | 75.9167% | 2,127 |
| Net loans and leases to core deposits | 81.9113% | 2,122 |
| Total domestic deposits to total assets | 86.9800% | 2,271 |
| Equity capital to assets | 9.6126% | 2,056 |
| Core capital (leverage) ratio | 9.9778% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,375,768,500 | 766 |
| Average earning assets | $1,314,615,000 | 740 |
| Average equity | $132,777,000 | 741 |
| Average total loans | $922,265,000 | 775 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 2,537 |
| Cost of funding earning assets | 0.2127% | 3,654 |
| Net interest margin | 3.4826% | 1,985 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.5198% | 2,049 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0398% | 2,419 |
| Return on assets (ROA) | 1.0398% | 2,358 |
| Pretax return on assets | 1.2725% | 2,194 |
| Return on Equity (ROE) | 10.5300% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.0814% | 1,797 |
| Net charge-offs to loans | 0.0556% | 1,103 |
| Credit loss provision to net charge-offs | 341.1392% | 847 |
| Earnings coverage of net charge-offs (x) | 38.9641% | 1,520 |
| Efficiency ratio | 64.0327% | 2,484 |
| Assets per employee ($millions) | 5.6720% | 3,061 |
| Cash dividends to net income (ytd only)* | 23.2406% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 3,765 |
| Loan loss allowance to noncurrent loans | 663.0313% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 2,907 |
| Noncurrent loans to loans | 0.1360% | 2,831 |
| Net loans and leases to total assets | 66.7500% | 1,955 |
| Net loans and leases to deposits | 77.3916% | 2,002 |
| Net loans and leases to core deposits | 83.5463% | 1,902 |
| Total domestic deposits to total assets | 86.2500% | 2,660 |
| Equity capital to assets | 9.6905% | 1,893 |
| Core capital (leverage) ratio | 10.0549% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,324,218,400 | 773 |
| Average earning assets | $1,265,301,200 | 747 |
| Average equity | $130,781,200 | 746 |
| Average total loans | $852,911,600 | 784 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 2,415 |
| Cost of funding earning assets | 0.1166% | 4,148 |
| Net interest margin | 3.4548% | 1,794 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.4929% | 2,031 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0372% | 2,333 |
| Return on assets (ROA) | 1.0372% | 2,302 |
| Pretax return on assets | 1.2685% | 2,142 |
| Return on Equity (ROE) | 10.4500% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.9989% | 1,999 |
| Net charge-offs to loans | 0.0456% | 1,030 |
| Credit loss provision to net charge-offs | 373.7762% | 733 |
| Earnings coverage of net charge-offs (x) | 47.4790% | 1,312 |
| Efficiency ratio | 64.0770% | 2,543 |
| Assets per employee ($millions) | 5.6705% | 3,056 |
| Cash dividends to net income (ytd only)* | 23.4627% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 3,925 |
| Loan loss allowance to noncurrent loans | 399.1923% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,583 |
| Noncurrent loans to loans | 0.2196% | 2,513 |
| Net loans and leases to total assets | 65.9800% | 1,893 |
| Net loans and leases to deposits | 75.5384% | 1,918 |
| Net loans and leases to core deposits | 78.0873% | 2,036 |
| Total domestic deposits to total assets | 87.3400% | 2,652 |
| Equity capital to assets | 9.3890% | 1,958 |
| Core capital (leverage) ratio | 10.0424% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,314,951,250 | 788 |
| Average earning assets | $1,256,681,500 | 760 |
| Average equity | $130,497,750 | 758 |
| Average total loans | $836,905,000 | 794 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 2,232 |
| Cost of funding earning assets | 0.1003% | 4,187 |
| Net interest margin | 3.3665% | 1,697 |
| Noninterest income to average assets | 0.5738% | 1,848 |
| Noninterest expense to average assets | 2.4619% | 2,048 |
| Loan and lease loss provision to assets | 0.0725% | 1,324 |
| Net operating income to assets | 1.0279% | 2,054 |
| Return on assets (ROA) | 1.0279% | 2,028 |
| Pretax return on assets | 1.2568% | 1,881 |
| Return on Equity (ROE) | 10.1670% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.7351% | 1,713 |
| Net charge-offs to loans | 0.0498% | 892 |
| Credit loss provision to net charge-offs | 232.5123% | 903 |
| Earnings coverage of net charge-offs (x) | 42.6158% | 1,229 |
| Efficiency ratio | 64.5833% | 2,696 |
| Assets per employee ($millions) | 5.2307% | 3,490 |
| Cash dividends to net income (ytd only)* | 23.9199% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 4,020 |
| Loan loss allowance to noncurrent loans | 872.9634% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,216 |
| Noncurrent loans to loans | 0.1000% | 3,257 |
| Net loans and leases to total assets | 64.7400% | 1,830 |
| Net loans and leases to deposits | 72.6486% | 1,984 |
| Net loans and leases to core deposits | 75.2391% | 2,071 |
| Total domestic deposits to total assets | 89.1139% | 2,129 |
| Equity capital to assets | 9.8853% | 1,779 |
| Core capital (leverage) ratio | 10.0132% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,301,518,667 | 794 |
| Average earning assets | $1,243,888,667 | 773 |
| Average equity | $131,582,333 | 763 |
| Average total loans | $815,179,667 | 798 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2967% | 2,397 |
| Cost of funding earning assets | 0.1006% | 4,127 |
| Net interest margin | 3.1961% | 1,894 |
| Noninterest income to average assets | 0.5572% | 1,875 |
| Noninterest expense to average assets | 2.4205% | 2,100 |
| Loan and lease loss provision to assets | 0.0835% | 986 |
| Net operating income to assets | 0.9159% | 2,222 |
| Return on assets (ROA) | 0.9159% | 2,219 |
| Pretax return on assets | 1.1138% | 2,099 |
| Return on Equity (ROE) | 8.9601% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.5588% | 2,053 |
| Net charge-offs to loans | 0.1286% | 437 |
| Credit loss provision to net charge-offs | 105.8366% | 980 |
| Earnings coverage of net charge-offs (x) | 15.1829% | 1,356 |
| Efficiency ratio | 66.5338% | 2,700 |
| Assets per employee ($millions) | 5.7654% | 3,042 |
| Cash dividends to net income (ytd only)* | 26.8007% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,068 |
| Loan loss allowance to noncurrent loans | 726.3479% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,229 |
| Noncurrent loans to loans | 0.1226% | 3,209 |
| Net loans and leases to total assets | 60.1995% | 2,045 |
| Net loans and leases to deposits | 67.5154% | 2,199 |
| Net loans and leases to core deposits | 70.1195% | 2,283 |
| Total domestic deposits to total assets | 89.1641% | 1,998 |
| Equity capital to assets | 9.9068% | 1,967 |
| Core capital (leverage) ratio | 10.0018% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,303,675,500 | 798 |
| Average earning assets | $1,248,382,500 | 776 |
| Average equity | $133,257,000 | 767 |
| Average total loans | $799,167,000 | 802 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 2,324 |
| Cost of funding earning assets | 0.2585% | 2,827 |
| Net interest margin | 3.3641% | 2,131 |
| Noninterest income to average assets | 0.6935% | 1,788 |
| Noninterest expense to average assets | 2.6004% | 1,869 |
| Loan and lease loss provision to assets | 0.0532% | 1,994 |
| Net operating income to assets | 1.0302% | 2,558 |
| Return on assets (ROA) | 1.0300% | 2,631 |
| Pretax return on assets | 1.2574% | 2,493 |
| Return on Equity (ROE) | 9.8490% | 2,583 |
| Retained earnings to average equity (ytd only) | 7.3375% | 1,789 |
| Net charge-offs to loans | 0.0406% | 1,449 |
| Credit loss provision to net charge-offs | 206.8111% | 1,292 |
| Earnings coverage of net charge-offs (x) | 50.9876% | 1,283 |
| Efficiency ratio | 66.1294% | 2,243 |
| Assets per employee ($millions) | 5.4537% | 3,303 |
| Cash dividends to net income (ytd only)* | 25.5003% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,077 |
| Loan loss allowance to noncurrent loans | 547.6556% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,230 |
| Noncurrent loans to loans | 0.1634% | 3,123 |
| Net loans and leases to total assets | 61.3227% | 2,032 |
| Net loans and leases to deposits | 69.2901% | 2,195 |
| Net loans and leases to core deposits | 72.4997% | 2,208 |
| Total domestic deposits to total assets | 88.5014% | 1,791 |
| Equity capital to assets | 10.5446% | 2,128 |
| Core capital (leverage) ratio | 9.8899% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,256,369,400 | 795 |
| Average earning assets | $1,201,701,400 | 768 |
| Average equity | $131,394,200 | 788 |
| Average total loans | $795,919,400 | 797 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 2,323 |
| Cost of funding earning assets | 0.2956% | 2,636 |
| Net interest margin | 3.3882% | 2,188 |
| Noninterest income to average assets | 0.6805% | 1,887 |
| Noninterest expense to average assets | 2.5906% | 1,871 |
| Loan and lease loss provision to assets | 0.0598% | 1,796 |
| Net operating income to assets | 1.0369% | 2,780 |
| Return on assets (ROA) | 1.0369% | 2,844 |
| Pretax return on assets | 1.2687% | 2,707 |
| Return on Equity (ROE) | 9.9358% | 2,754 |
| Retained earnings to average equity (ytd only) | 7.3779% | 2,279 |
| Net charge-offs to loans | 0.0484% | 1,177 |
| Credit loss provision to net charge-offs | 193.7716% | 1,222 |
| Earnings coverage of net charge-offs (x) | 43.0519% | 1,319 |
| Efficiency ratio | 65.7449% | 2,132 |
| Assets per employee ($millions) | 5.5042% | 3,202 |
| Cash dividends to net income (ytd only)* | 25.7440% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 4,198 |
| Loan loss allowance to noncurrent loans | 382.1680% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 3,150 |
| Noncurrent loans to loans | 0.2310% | 3,015 |
| Net loans and leases to total assets | 61.7241% | 2,042 |
| Net loans and leases to deposits | 69.6705% | 2,274 |
| Net loans and leases to core deposits | 72.9727% | 2,319 |
| Total domestic deposits to total assets | 88.5944% | 1,516 |
| Equity capital to assets | 10.4347% | 2,505 |
| Core capital (leverage) ratio | 9.7984% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,248,691,750 | 804 |
| Average earning assets | $1,193,569,750 | 784 |
| Average equity | $130,313,500 | 808 |
| Average total loans | $795,800,000 | 816 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 2,383 |
| Cost of funding earning assets | 0.3430% | 2,379 |
| Net interest margin | 3.3405% | 2,328 |
| Noninterest income to average assets | 0.6565% | 1,983 |
| Noninterest expense to average assets | 2.5781% | 1,917 |
| Loan and lease loss provision to assets | 0.0638% | 1,762 |
| Net operating income to assets | 0.9919% | 2,914 |
| Return on assets (ROA) | 0.9919% | 3,000 |
| Pretax return on assets | 1.2070% | 2,886 |
| Return on Equity (ROE) | 9.5041% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.1811% | 2,363 |
| Net charge-offs to loans | 0.0541% | 1,082 |
| Credit loss provision to net charge-offs | 183.7209% | 1,082 |
| Earnings coverage of net charge-offs (x) | 36.5721% | 1,210 |
| Efficiency ratio | 66.6163% | 2,066 |
| Assets per employee ($millions) | 5.3794% | 3,258 |
| Cash dividends to net income (ytd only)* | 24.4419% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,242 |
| Loan loss allowance to noncurrent loans | 249.6413% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 2,821 |
| Noncurrent loans to loans | 0.3482% | 2,662 |
| Net loans and leases to total assets | 63.3256% | 2,030 |
| Net loans and leases to deposits | 71.5163% | 2,253 |
| Net loans and leases to core deposits | 75.3524% | 2,299 |
| Total domestic deposits to total assets | 88.5470% | 1,545 |
| Equity capital to assets | 10.4914% | 2,399 |
| Core capital (leverage) ratio | 9.6771% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6479% | 1,432 |
| Memoranda: | ||
| Average total assets | $1,237,431,333 | 803 |
| Average earning assets | $1,182,577,667 | 786 |
| Average equity | $129,144,000 | 809 |
| Average total loans | $794,851,333 | 822 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 2,619 |
| Cost of funding earning assets | 0.3817% | 2,243 |
| Net interest margin | 3.2254% | 2,616 |
| Noninterest income to average assets | 0.6198% | 2,130 |
| Noninterest expense to average assets | 2.5820% | 1,926 |
| Loan and lease loss provision to assets | 0.0872% | 1,512 |
| Net operating income to assets | 0.8472% | 3,279 |
| Return on assets (ROA) | 0.8472% | 3,357 |
| Pretax return on assets | 1.0327% | 3,284 |
| Return on Equity (ROE) | 8.1396% | 3,283 |
| Retained earnings to average equity (ytd only) | 5.7953% | 2,965 |
| Net charge-offs to loans | 0.1263% | 576 |
| Credit loss provision to net charge-offs | 107.2000% | 1,080 |
| Earnings coverage of net charge-offs (x) | 13.7680% | 1,388 |
| Efficiency ratio | 69.3619% | 1,777 |
| Assets per employee ($millions) | 5.5516% | 3,068 |
| Cash dividends to net income (ytd only)* | 28.8018% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 4,287 |
| Loan loss allowance to noncurrent loans | 189.7293% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 2,750 |
| Noncurrent loans to loans | 0.4491% | 2,512 |
| Net loans and leases to total assets | 61.9557% | 2,291 |
| Net loans and leases to deposits | 69.5659% | 2,555 |
| Net loans and leases to core deposits | 73.1973% | 2,592 |
| Total domestic deposits to total assets | 89.0606% | 1,310 |
| Equity capital to assets | 10.0585% | 2,656 |
| Core capital (leverage) ratio | 9.9056% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2106% | 1,241 |
| Memoranda: | ||
| Average total assets | $1,229,447,500 | 804 |
| Average earning assets | $1,174,814,500 | 782 |
| Average equity | $127,966,500 | 813 |
| Average total loans | $791,936,000 | 819 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,395 |
| Cost of funding earning assets | 0.6478% | 2,008 |
| Net interest margin | 3.4608% | 2,595 |
| Noninterest income to average assets | 0.7520% | 1,681 |
| Noninterest expense to average assets | 2.7891% | 1,969 |
| Loan and lease loss provision to assets | 0.1406% | 2,599 |
| Net operating income to assets | 0.9163% | 2,624 |
| Return on assets (ROA) | 0.9163% | 2,756 |
| Pretax return on assets | 1.1102% | 2,655 |
| Return on Equity (ROE) | 8.2119% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.9747% | 1,803 |
| Net charge-offs to loans | 0.1044% | 1,423 |
| Credit loss provision to net charge-offs | 190.0613% | 2,207 |
| Earnings coverage of net charge-offs (x) | 16.9067% | 2,106 |
| Efficiency ratio | 68.6462% | 2,148 |
| Assets per employee ($millions) | 5.0514% | 3,337 |
| Cash dividends to net income (ytd only)* | 27.2439% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,292 |
| Loan loss allowance to noncurrent loans | 156.4375% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 2,512 |
| Noncurrent loans to loans | 0.5514% | 2,333 |
| Net loans and leases to total assets | 65.9208% | 2,104 |
| Net loans and leases to deposits | 74.9494% | 2,385 |
| Net loans and leases to core deposits | 79.2281% | 2,426 |
| Total domestic deposits to total assets | 87.9537% | 1,494 |
| Equity capital to assets | 10.7865% | 2,446 |
| Core capital (leverage) ratio | 10.0335% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8067% | 1,308 |
| Memoranda: | ||
| Average total assets | $1,101,633,800 | 809 |
| Average earning assets | $1,046,616,000 | 790 |
| Average equity | $122,918,800 | 802 |
| Average total loans | $780,591,000 | 799 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 2,465 |
| Cost of funding earning assets | 0.6980% | 2,031 |
| Net interest margin | 3.4722% | 2,681 |
| Noninterest income to average assets | 0.7553% | 1,633 |
| Noninterest expense to average assets | 2.7800% | 2,021 |
| Loan and lease loss provision to assets | 0.1335% | 2,685 |
| Net operating income to assets | 0.9368% | 2,579 |
| Return on assets (ROA) | 0.9368% | 2,705 |
| Pretax return on assets | 1.1374% | 2,614 |
| Return on Equity (ROE) | 8.3201% | 2,682 |
| Retained earnings to average equity (ytd only) | 6.0756% | 2,075 |
| Net charge-offs to loans | 0.1170% | 1,192 |
| Credit loss provision to net charge-offs | 158.3333% | 2,279 |
| Earnings coverage of net charge-offs (x) | 15.0716% | 2,120 |
| Efficiency ratio | 68.2288% | 2,155 |
| Assets per employee ($millions) | 5.0624% | 3,164 |
| Cash dividends to net income (ytd only)* | 26.9772% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,332 |
| Loan loss allowance to noncurrent loans | 174.1691% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 2,862 |
| Noncurrent loans to loans | 0.4670% | 2,653 |
| Net loans and leases to total assets | 68.1044% | 2,231 |
| Net loans and leases to deposits | 77.2999% | 2,618 |
| Net loans and leases to core deposits | 81.7994% | 2,677 |
| Total domestic deposits to total assets | 88.1042% | 1,174 |
| Equity capital to assets | 10.8626% | 2,511 |
| Core capital (leverage) ratio | 10.2159% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7348% | 1,317 |
| Memoranda: | ||
| Average total assets | $1,081,537,500 | 804 |
| Average earning assets | $1,026,526,750 | 789 |
| Average equity | $121,773,750 | 804 |
| Average total loans | $779,244,750 | 797 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 2,502 |
| Cost of funding earning assets | 0.7524% | 2,107 |
| Net interest margin | 3.5372% | 2,683 |
| Noninterest income to average assets | 0.7179% | 1,674 |
| Noninterest expense to average assets | 2.8168% | 2,057 |
| Loan and lease loss provision to assets | 0.1352% | 2,662 |
| Net operating income to assets | 0.9273% | 2,597 |
| Return on assets (ROA) | 0.9273% | 2,722 |
| Pretax return on assets | 1.1177% | 2,659 |
| Return on Equity (ROE) | 8.1312% | 2,696 |
| Retained earnings to average equity (ytd only) | 5.8919% | 2,126 |
| Net charge-offs to loans | 0.1409% | 1,011 |
| Credit loss provision to net charge-offs | 130.9524% | 2,229 |
| Earnings coverage of net charge-offs (x) | 12.1319% | 2,070 |
| Efficiency ratio | 68.8078% | 2,121 |
| Assets per employee ($millions) | 4.9029% | 3,295 |
| Cash dividends to net income (ytd only)* | 27.5398% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 4,361 |
| Loan loss allowance to noncurrent loans | 171.9701% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,006 |
| Noncurrent loans to loans | 0.4598% | 2,764 |
| Net loans and leases to total assets | 70.0625% | 2,018 |
| Net loans and leases to deposits | 79.6726% | 2,467 |
| Net loans and leases to core deposits | 84.4357% | 2,574 |
| Total domestic deposits to total assets | 87.9380% | 1,213 |
| Equity capital to assets | 11.0760% | 2,271 |
| Core capital (leverage) ratio | 10.4863% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8235% | 1,296 |
| Memoranda: | ||
| Average total assets | $1,057,310,667 | 807 |
| Average earning assets | $1,001,914,667 | 786 |
| Average equity | $120,572,333 | 802 |
| Average total loans | $774,820,000 | 792 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 2,198 |
| Cost of funding earning assets | 0.8190% | 2,285 |
| Net interest margin | 3.7182% | 2,270 |
| Noninterest income to average assets | 0.6232% | 1,935 |
| Noninterest expense to average assets | 3.0198% | 1,842 |
| Loan and lease loss provision to assets | 0.1589% | 1,819 |
| Net operating income to assets | 0.8070% | 2,884 |
| Return on assets (ROA) | 0.8070% | 2,970 |
| Pretax return on assets | 0.9671% | 2,944 |
| Return on Equity (ROE) | 6.9685% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.7877% | 2,372 |
| Net charge-offs to loans | 0.2101% | 664 |
| Credit loss provision to net charge-offs | 101.2376% | 1,805 |
| Earnings coverage of net charge-offs (x) | 7.1733% | 1,939 |
| Efficiency ratio | 72.4274% | 2,012 |
| Assets per employee ($millions) | 4.6316% | 3,082 |
| Cash dividends to net income (ytd only)* | 31.2951% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,447 |
| Loan loss allowance to noncurrent loans | 175.1882% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 3,133 |
| Noncurrent loans to loans | 0.4487% | 2,905 |
| Net loans and leases to total assets | 72.6355% | 1,838 |
| Net loans and leases to deposits | 82.8105% | 2,351 |
| Net loans and leases to core deposits | 88.0894% | 2,515 |
| Total domestic deposits to total assets | 87.7130% | 1,224 |
| Equity capital to assets | 11.4339% | 2,498 |
| Core capital (leverage) ratio | 11.0194% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4826% | 1,478 |
| Memoranda: | ||
| Average total assets | $1,029,482,000 | 799 |
| Average earning assets | $975,303,500 | 774 |
| Average equity | $119,222,500 | 804 |
| Average total loans | $769,236,000 | 769 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 2,273 |
| Cost of funding earning assets | 0.8701% | 2,332 |
| Net interest margin | 3.8482% | 2,342 |
| Noninterest income to average assets | 0.6169% | 2,154 |
| Noninterest expense to average assets | 3.0491% | 1,883 |
| Loan and lease loss provision to assets | 0.1222% | 1,733 |
| Net operating income to assets | 0.9071% | 3,178 |
| Return on assets (ROA) | 0.9113% | 3,245 |
| Pretax return on assets | 1.0957% | 3,182 |
| Return on Equity (ROE) | 7.8255% | 3,236 |
| Retained earnings to average equity (ytd only) | 5.5516% | 2,131 |
| Net charge-offs to loans | 0.1417% | 1,379 |
| Credit loss provision to net charge-offs | 113.5289% | 2,216 |
| Earnings coverage of net charge-offs (x) | 11.2677% | 2,509 |
| Efficiency ratio | 71.1231% | 2,003 |
| Assets per employee ($millions) | 4.3431% | 3,448 |
| Cash dividends to net income (ytd only)* | 29.0568% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 4,346 |
| Loan loss allowance to noncurrent loans | 184.4980% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 3,115 |
| Noncurrent loans to loans | 0.4263% | 2,919 |
| Net loans and leases to total assets | 75.6958% | 1,466 |
| Net loans and leases to deposits | 86.6372% | 2,017 |
| Net loans and leases to core deposits | 92.2626% | 2,211 |
| Total domestic deposits to total assets | 87.3711% | 1,421 |
| Equity capital to assets | 11.7341% | 2,326 |
| Core capital (leverage) ratio | 11.1190% | 2,400 |
| Tier 1 risk-based capital ratio | 15.5720% | 2,554 |
| Total risk-based capital ratio | 16.4286% | 2,643 |
| Memoranda: | ||
| Average total assets | $981,936,000 | 799 |
| Average earning assets | $930,091,400 | 770 |
| Average equity | $114,344,600 | 797 |
| Average total loans | $745,707,200 | 766 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 2,477 |
| Cost of funding earning assets | 0.8620% | 2,402 |
| Net interest margin | 3.8199% | 2,530 |
| Noninterest income to average assets | 0.6026% | 2,190 |
| Noninterest expense to average assets | 3.0290% | 1,897 |
| Loan and lease loss provision to assets | 0.1264% | 1,533 |
| Net operating income to assets | 0.8870% | 3,396 |
| Return on assets (ROA) | 0.8913% | 3,454 |
| Pretax return on assets | 1.0684% | 3,384 |
| Return on Equity (ROE) | 7.6689% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.3756% | 2,688 |
| Net charge-offs to loans | 0.1469% | 1,106 |
| Credit loss provision to net charge-offs | 113.4969% | 2,048 |
| Earnings coverage of net charge-offs (x) | 10.6797% | 2,483 |
| Efficiency ratio | 71.3763% | 1,914 |
| Assets per employee ($millions) | 4.4321% | 3,305 |
| Cash dividends to net income (ytd only)* | 29.9034% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,444 |
| Loan loss allowance to noncurrent loans | 177.6366% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,183 |
| Noncurrent loans to loans | 0.4441% | 2,981 |
| Net loans and leases to total assets | 75.1668% | 1,626 |
| Net loans and leases to deposits | 85.7691% | 2,220 |
| Net loans and leases to core deposits | 91.3656% | 2,426 |
| Total domestic deposits to total assets | 87.6386% | 1,198 |
| Equity capital to assets | 11.5987% | 2,598 |
| Core capital (leverage) ratio | 11.0935% | 2,564 |
| Tier 1 risk-based capital ratio | 15.5309% | 2,631 |
| Total risk-based capital ratio | 16.3949% | 2,718 |
| Memoranda: | ||
| Average total assets | $975,521,750 | 801 |
| Average earning assets | $923,452,750 | 777 |
| Average equity | $113,372,750 | 802 |
| Average total loans | $739,946,000 | 770 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 2,638 |
| Cost of funding earning assets | 0.8355% | 2,475 |
| Net interest margin | 3.7775% | 2,660 |
| Noninterest income to average assets | 0.6151% | 2,083 |
| Noninterest expense to average assets | 3.0622% | 1,832 |
| Loan and lease loss provision to assets | 0.1050% | 1,782 |
| Net operating income to assets | 0.8560% | 3,451 |
| Return on assets (ROA) | 0.8555% | 3,510 |
| Pretax return on assets | 1.0237% | 3,463 |
| Return on Equity (ROE) | 7.3558% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.0398% | 2,752 |
| Net charge-offs to loans | 0.1141% | 1,281 |
| Credit loss provision to net charge-offs | 121.2919% | 1,727 |
| Earnings coverage of net charge-offs (x) | 13.0407% | 2,123 |
| Efficiency ratio | 72.6113% | 1,824 |
| Assets per employee ($millions) | 4.2106% | 3,559 |
| Cash dividends to net income (ytd only)* | 31.4846% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,423 |
| Loan loss allowance to noncurrent loans | 150.4016% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 2,842 |
| Noncurrent loans to loans | 0.5347% | 2,677 |
| Net loans and leases to total assets | 75.6578% | 1,606 |
| Net loans and leases to deposits | 86.4663% | 2,206 |
| Net loans and leases to core deposits | 91.9534% | 2,423 |
| Total domestic deposits to total assets | 87.4998% | 1,338 |
| Equity capital to assets | 11.7253% | 2,411 |
| Core capital (leverage) ratio | 11.1540% | 2,451 |
| Tier 1 risk-based capital ratio | 15.6604% | 2,561 |
| Total risk-based capital ratio | 16.5431% | 2,649 |
| Memoranda: | ||
| Average total assets | $965,331,000 | 807 |
| Average earning assets | $913,934,330 | 783 |
| Average equity | $112,265,670 | 804 |
| Average total loans | $732,507,330 | 773 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 2,846 |
| Cost of funding earning assets | 0.8025% | 2,525 |
| Net interest margin | 3.7036% | 2,880 |
| Noninterest income to average assets | 0.5594% | 2,232 |
| Noninterest expense to average assets | 3.0543% | 1,840 |
| Loan and lease loss provision to assets | 0.0884% | 1,941 |
| Net operating income to assets | 0.7764% | 3,697 |
| Return on assets (ROA) | 0.7754% | 3,744 |
| Pretax return on assets | 0.9225% | 3,689 |
| Return on Equity (ROE) | 6.6950% | 3,772 |
| Retained earnings to average equity (ytd only) | 4.3553% | 3,182 |
| Net charge-offs to loans | 0.0936% | 1,196 |
| Credit loss provision to net charge-offs | 124.7059% | 1,394 |
| Earnings coverage of net charge-offs (x) | 14.2824% | 1,801 |
| Efficiency ratio | 74.6591% | 1,658 |
| Assets per employee ($millions) | 4.1976% | 3,631 |
| Cash dividends to net income (ytd only)* | 34.9462% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 4,491 |
| Loan loss allowance to noncurrent loans | 169.9057% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 3,138 |
| Noncurrent loans to loans | 0.4764% | 2,887 |
| Net loans and leases to total assets | 74.1757% | 1,769 |
| Net loans and leases to deposits | 84.4326% | 2,335 |
| Net loans and leases to core deposits | 89.1171% | 2,591 |
| Total domestic deposits to total assets | 87.8519% | 1,414 |
| Equity capital to assets | 11.4179% | 2,475 |
| Core capital (leverage) ratio | 11.2366% | 2,354 |
| Tier 1 risk-based capital ratio | 15.7126% | 2,566 |
| Total risk-based capital ratio | 16.6053% | 2,640 |
| Memoranda: | ||
| Average total assets | $959,562,000 | 816 |
| Average earning assets | $908,638,500 | 794 |
| Average equity | $111,128,000 | 801 |
| Average total loans | $726,226,000 | 782 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 2,671 |
| Cost of funding earning assets | 0.5394% | 3,114 |
| Net interest margin | 3.8876% | 2,369 |
| Noninterest income to average assets | 0.6409% | 2,093 |
| Noninterest expense to average assets | 3.0389% | 1,970 |
| Loan and lease loss provision to assets | 0.1234% | 1,786 |
| Net operating income to assets | 0.9608% | 3,178 |
| Return on assets (ROA) | 0.9603% | 3,176 |
| Pretax return on assets | 1.1579% | 3,072 |
| Return on Equity (ROE) | 8.2586% | 3,334 |
| Retained earnings to average equity (ytd only) | 4.1798% | 3,251 |
| Net charge-offs to loans | 0.1260% | 1,487 |
| Credit loss provision to net charge-offs | 131.1569% | 2,017 |
| Earnings coverage of net charge-offs (x) | 13.6220% | 2,439 |
| Efficiency ratio | 69.7934% | 2,222 |
| Assets per employee ($millions) | 3.9365% | 3,984 |
| Cash dividends to net income (ytd only)* | 49.3883% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,455 |
| Loan loss allowance to noncurrent loans | 168.2725% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 3,015 |
| Noncurrent loans to loans | 0.4886% | 2,809 |
| Net loans and leases to total assets | 75.9988% | 1,614 |
| Net loans and leases to deposits | 87.0318% | 2,160 |
| Net loans and leases to core deposits | 91.8593% | 2,416 |
| Total domestic deposits to total assets | 87.3230% | 1,632 |
| Equity capital to assets | 11.7522% | 2,063 |
| Core capital (leverage) ratio | 11.1946% | 2,360 |
| Tier 1 risk-based capital ratio | 15.8509% | 2,468 |
| Total risk-based capital ratio | 16.7557% | 2,542 |
| Memoranda: | ||
| Average total assets | $927,696,000 | 824 |
| Average earning assets | $878,127,000 | 803 |
| Average equity | $107,876,000 | 792 |
| Average total loans | $692,669,000 | 793 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,835 |
| Cost of funding earning assets | 0.4792% | 3,335 |
| Net interest margin | 3.8547% | 2,458 |
| Noninterest income to average assets | 0.6278% | 2,175 |
| Noninterest expense to average assets | 3.0108% | 1,988 |
| Loan and lease loss provision to assets | 0.1205% | 1,680 |
| Net operating income to assets | 0.9482% | 3,313 |
| Return on assets (ROA) | 0.9476% | 3,324 |
| Pretax return on assets | 1.1433% | 3,224 |
| Return on Equity (ROE) | 8.1711% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.4501% | 4,045 |
| Net charge-offs to loans | 0.1255% | 1,260 |
| Credit loss provision to net charge-offs | 129.4118% | 1,902 |
| Earnings coverage of net charge-offs (x) | 13.5852% | 2,346 |
| Efficiency ratio | 69.8480% | 2,216 |
| Assets per employee ($millions) | 4.0652% | 3,792 |
| Cash dividends to net income (ytd only)* | 57.7771% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 4,548 |
| Loan loss allowance to noncurrent loans | 201.4187% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,399 |
| Noncurrent loans to loans | 0.4076% | 3,191 |
| Net loans and leases to total assets | 74.5616% | 1,890 |
| Net loans and leases to deposits | 84.8495% | 2,495 |
| Net loans and leases to core deposits | 89.3019% | 2,722 |
| Total domestic deposits to total assets | 87.8751% | 1,292 |
| Equity capital to assets | 11.4157% | 2,321 |
| Core capital (leverage) ratio | 11.1766% | 2,433 |
| Tier 1 risk-based capital ratio | 15.8275% | 2,514 |
| Total risk-based capital ratio | 16.7340% | 2,587 |
| Memoranda: | ||
| Average total assets | $925,396,250 | 820 |
| Average earning assets | $875,659,500 | 807 |
| Average equity | $107,318,500 | 793 |
| Average total loans | $686,353,250 | 803 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,749 |
| Cost of funding earning assets | 0.4159% | 3,596 |
| Net interest margin | 3.8871% | 2,247 |
| Noninterest income to average assets | 0.6086% | 2,279 |
| Noninterest expense to average assets | 3.0082% | 2,021 |
| Loan and lease loss provision to assets | 0.1214% | 1,623 |
| Net operating income to assets | 0.9591% | 3,197 |
| Return on assets (ROA) | 0.9581% | 3,205 |
| Pretax return on assets | 1.1578% | 3,106 |
| Return on Equity (ROE) | 8.2181% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.9793% | 2,576 |
| Net charge-offs to loans | 0.1208% | 1,209 |
| Credit loss provision to net charge-offs | 136.0976% | 1,679 |
| Earnings coverage of net charge-offs (x) | 14.3561% | 2,106 |
| Efficiency ratio | 69.5526% | 2,385 |
| Assets per employee ($millions) | 3.8926% | 4,071 |
| Cash dividends to net income (ytd only)* | 27.2418% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 4,583 |
| Loan loss allowance to noncurrent loans | 162.5598% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,952 |
| Noncurrent loans to loans | 0.5146% | 2,878 |
| Net loans and leases to total assets | 75.2029% | 1,761 |
| Net loans and leases to deposits | 87.1329% | 2,201 |
| Net loans and leases to core deposits | 90.7196% | 2,511 |
| Total domestic deposits to total assets | 86.3083% | 2,135 |
| Equity capital to assets | 11.9114% | 1,916 |
| Core capital (leverage) ratio | 11.4522% | 2,109 |
| Tier 1 risk-based capital ratio | 16.3746% | 2,301 |
| Total risk-based capital ratio | 17.3011% | 2,359 |
| Memoranda: | ||
| Average total assets | $919,482,670 | 832 |
| Average earning assets | $870,473,330 | 814 |
| Average equity | $107,202,670 | 795 |
| Average total loans | $678,791,330 | 811 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,923 |
| Cost of funding earning assets | 0.3975% | 3,609 |
| Net interest margin | 3.7902% | 2,461 |
| Noninterest income to average assets | 0.5832% | 2,346 |
| Noninterest expense to average assets | 3.0271% | 2,001 |
| Loan and lease loss provision to assets | 0.1126% | 1,676 |
| Net operating income to assets | 0.8583% | 3,469 |
| Return on assets (ROA) | 0.8565% | 3,483 |
| Pretax return on assets | 1.0288% | 3,431 |
| Return on Equity (ROE) | 7.4252% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.1729% | 3,086 |
| Net charge-offs to loans | 0.1421% | 963 |
| Credit loss provision to net charge-offs | 108.7866% | 1,464 |
| Earnings coverage of net charge-offs (x) | 11.0502% | 1,869 |
| Efficiency ratio | 71.9788% | 2,198 |
| Assets per employee ($millions) | 4.0209% | 3,940 |
| Cash dividends to net income (ytd only)* | 30.3337% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,684 |
| Loan loss allowance to noncurrent loans | 138.5294% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 2,794 |
| Noncurrent loans to loans | 0.6031% | 2,740 |
| Net loans and leases to total assets | 72.5396% | 2,085 |
| Net loans and leases to deposits | 82.6288% | 2,534 |
| Net loans and leases to core deposits | 85.4718% | 2,850 |
| Total domestic deposits to total assets | 87.7897% | 1,737 |
| Equity capital to assets | 11.5370% | 2,101 |
| Core capital (leverage) ratio | 11.2584% | 2,202 |
| Tier 1 risk-based capital ratio | 16.4505% | 2,290 |
| Total risk-based capital ratio | 17.3792% | 2,368 |
| Memoranda: | ||
| Average total assets | $923,791,000 | 830 |
| Average earning assets | $874,356,500 | 811 |
| Average equity | $106,555,500 | 796 |
| Average total loans | $672,798,500 | 814 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,256 |
| Cost of funding earning assets | 0.3744% | 3,471 |
| Net interest margin | 3.6715% | 2,911 |
| Noninterest income to average assets | 0.6277% | 2,315 |
| Noninterest expense to average assets | 2.7765% | 2,860 |
| Loan and lease loss provision to assets | 0.0874% | 2,440 |
| Net operating income to assets | 0.8096% | 3,116 |
| Return on assets (ROA) | 0.8089% | 3,166 |
| Pretax return on assets | 1.2431% | 2,581 |
| Return on Equity (ROE) | 7.0816% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.0572% | 2,089 |
| Net charge-offs to loans | 0.1072% | 2,000 |
| Credit loss provision to net charge-offs | 114.4092% | 2,290 |
| Earnings coverage of net charge-offs (x) | 17.4265% | 2,129 |
| Efficiency ratio | 66.7355% | 3,129 |
| Assets per employee ($millions) | 3.9947% | 3,970 |
| Cash dividends to net income (ytd only)* | 28.5870% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,692 |
| Loan loss allowance to noncurrent loans | 126.9101% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 2,826 |
| Noncurrent loans to loans | 0.6631% | 2,557 |
| Net loans and leases to total assets | 71.8987% | 2,250 |
| Net loans and leases to deposits | 84.6454% | 2,417 |
| Net loans and leases to core deposits | 87.6940% | 2,750 |
| Total domestic deposits to total assets | 84.9411% | 2,861 |
| Equity capital to assets | 11.5322% | 2,180 |
| Core capital (leverage) ratio | 11.0735% | 2,264 |
| Tier 1 risk-based capital ratio | 16.4870% | 2,268 |
| Total risk-based capital ratio | 17.4236% | 2,307 |
| Memoranda: | ||
| Average total assets | $908,190,600 | 819 |
| Average earning assets | $860,925,200 | 794 |
| Average equity | $103,733,600 | 795 |
| Average total loans | $647,138,600 | 812 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,241 |
| Cost of funding earning assets | 0.3703% | 3,459 |
| Net interest margin | 3.6610% | 2,915 |
| Noninterest income to average assets | 0.6183% | 2,373 |
| Noninterest expense to average assets | 2.7655% | 2,842 |
| Loan and lease loss provision to assets | 0.0718% | 2,642 |
| Net operating income to assets | 0.9007% | 3,023 |
| Return on assets (ROA) | 0.8997% | 3,084 |
| Pretax return on assets | 1.2494% | 2,708 |
| Return on Equity (ROE) | 7.8966% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.9561% | 2,264 |
| Net charge-offs to loans | 0.0844% | 1,958 |
| Credit loss provision to net charge-offs | 119.9507% | 2,008 |
| Earnings coverage of net charge-offs (x) | 22.0985% | 1,884 |
| Efficiency ratio | 66.7448% | 3,092 |
| Assets per employee ($millions) | 4.1737% | 3,689 |
| Cash dividends to net income (ytd only)* | 24.5741% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,741 |
| Loan loss allowance to noncurrent loans | 122.8815% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 3,006 |
| Noncurrent loans to loans | 0.6951% | 2,621 |
| Net loans and leases to total assets | 70.6203% | 2,470 |
| Net loans and leases to deposits | 80.4525% | 2,923 |
| Net loans and leases to core deposits | 83.3828% | 3,183 |
| Total domestic deposits to total assets | 87.7788% | 1,475 |
| Equity capital to assets | 11.4872% | 2,389 |
| Core capital (leverage) ratio | 10.9889% | 2,471 |
| Tier 1 risk-based capital ratio | 16.6353% | 2,273 |
| Total risk-based capital ratio | 17.5839% | 2,322 |
| Memoranda: | ||
| Average total assets | $904,544,500 | 827 |
| Average earning assets | $857,259,750 | 801 |
| Average equity | $103,063,000 | 800 |
| Average total loans | $641,649,750 | 821 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,229 |
| Cost of funding earning assets | 0.3651% | 3,426 |
| Net interest margin | 3.6283% | 2,922 |
| Noninterest income to average assets | 0.6141% | 2,391 |
| Noninterest expense to average assets | 2.8157% | 2,695 |
| Loan and lease loss provision to assets | 0.0737% | 2,498 |
| Net operating income to assets | 0.8441% | 3,187 |
| Return on assets (ROA) | 0.8426% | 3,234 |
| Pretax return on assets | 1.1598% | 2,939 |
| Return on Equity (ROE) | 7.4164% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.4575% | 2,432 |
| Net charge-offs to loans | 0.0814% | 1,800 |
| Credit loss provision to net charge-offs | 127.7992% | 1,703 |
| Earnings coverage of net charge-offs (x) | 21.4324% | 1,752 |
| Efficiency ratio | 68.5639% | 2,911 |
| Assets per employee ($millions) | 3.9035% | 4,126 |
| Cash dividends to net income (ytd only)* | 26.4131% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,737 |
| Loan loss allowance to noncurrent loans | 118.8335% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 2,943 |
| Noncurrent loans to loans | 0.7357% | 2,557 |
| Net loans and leases to total assets | 70.4558% | 2,453 |
| Net loans and leases to deposits | 80.2335% | 2,884 |
| Net loans and leases to core deposits | 83.1126% | 3,163 |
| Total domestic deposits to total assets | 87.8134% | 1,553 |
| Equity capital to assets | 11.5526% | 2,277 |
| Core capital (leverage) ratio | 10.8951% | 2,513 |
| Tier 1 risk-based capital ratio | 16.7046% | 2,238 |
| Total risk-based capital ratio | 17.6741% | 2,301 |
| Memoranda: | ||
| Average total assets | $898,595,670 | 841 |
| Average earning assets | $851,255,330 | 816 |
| Average equity | $102,098,330 | 809 |
| Average total loans | $636,530,670 | 828 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 3,215 |
| Cost of funding earning assets | 0.3594% | 3,428 |
| Net interest margin | 3.5877% | 2,931 |
| Noninterest income to average assets | 0.5966% | 2,435 |
| Noninterest expense to average assets | 2.8757% | 2,531 |
| Loan and lease loss provision to assets | 0.1039% | 1,838 |
| Net operating income to assets | 0.7481% | 3,486 |
| Return on assets (ROA) | 0.7451% | 3,553 |
| Pretax return on assets | 1.0136% | 3,309 |
| Return on Equity (ROE) | 6.6138% | 3,599 |
| Retained earnings to average equity (ytd only) | 4.6348% | 3,100 |
| Net charge-offs to loans | 0.1450% | 1,081 |
| Credit loss provision to net charge-offs | 101.3043% | 1,549 |
| Earnings coverage of net charge-offs (x) | 10.9348% | 1,913 |
| Efficiency ratio | 70.9839% | 2,740 |
| Assets per employee ($millions) | 3.9892% | 4,029 |
| Cash dividends to net income (ytd only)* | 29.9222% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,850 |
| Loan loss allowance to noncurrent loans | 103.7884% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,851 |
| Noncurrent loans to loans | 0.8416% | 2,354 |
| Net loans and leases to total assets | 68.7485% | 2,565 |
| Net loans and leases to deposits | 78.0702% | 2,956 |
| Net loans and leases to core deposits | 80.8833% | 3,213 |
| Total domestic deposits to total assets | 88.0598% | 1,687 |
| Equity capital to assets | 11.1481% | 2,479 |
| Core capital (leverage) ratio | 10.7160% | 2,675 |
| Tier 1 risk-based capital ratio | 16.6545% | 2,298 |
| Total risk-based capital ratio | 17.6262% | 2,349 |
| Memoranda: | ||
| Average total assets | $897,033,500 | 846 |
| Average earning assets | $850,249,000 | 822 |
| Average equity | $101,061,500 | 816 |
| Average total loans | $634,337,500 | 831 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,128 |
| Cost of funding earning assets | 0.3602% | 3,410 |
| Net interest margin | 3.6583% | 2,864 |
| Noninterest income to average assets | 0.6290% | 2,512 |
| Noninterest expense to average assets | 2.8256% | 2,942 |
| Loan and lease loss provision to assets | 0.1140% | 2,162 |
| Net operating income to assets | 0.8319% | 3,143 |
| Return on assets (ROA) | 0.8430% | 3,210 |
| Pretax return on assets | 1.1616% | 2,849 |
| Return on Equity (ROE) | 7.2025% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.3847% | 5,164 |
| Net charge-offs to loans | 0.1468% | 1,797 |
| Credit loss provision to net charge-offs | 110.1322% | 2,375 |
| Earnings coverage of net charge-offs (x) | 12.1762% | 2,478 |
| Efficiency ratio | 68.0942% | 3,215 |
| Assets per employee ($millions) | 3.8118% | 4,284 |
| Cash dividends to net income (ytd only)* | 94.6586% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,895 |
| Loan loss allowance to noncurrent loans | 104.6349% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 2,869 |
| Noncurrent loans to loans | 0.8323% | 2,443 |
| Net loans and leases to total assets | 71.4987% | 2,241 |
| Net loans and leases to deposits | 83.1175% | 2,527 |
| Net loans and leases to core deposits | 86.4078% | 2,820 |
| Total domestic deposits to total assets | 86.0212% | 2,572 |
| Equity capital to assets | 11.3887% | 2,255 |
| Core capital (leverage) ratio | 10.6536% | 2,717 |
| Tier 1 risk-based capital ratio | 16.4164% | 2,376 |
| Total risk-based capital ratio | 17.3835% | 2,433 |
| Memoranda: | ||
| Average total assets | $877,218,600 | 827 |
| Average earning assets | $828,927,800 | 800 |
| Average equity | $102,673,200 | 771 |
| Average total loans | $618,541,000 | 807 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,183 |
| Cost of funding earning assets | 0.3602% | 3,429 |
| Net interest margin | 3.6524% | 2,879 |
| Noninterest income to average assets | 0.6114% | 2,604 |
| Noninterest expense to average assets | 2.8457% | 2,843 |
| Loan and lease loss provision to assets | 0.1083% | 2,118 |
| Net operating income to assets | 0.8045% | 3,345 |
| Return on assets (ROA) | 0.8200% | 3,415 |
| Pretax return on assets | 1.1281% | 3,124 |
| Return on Equity (ROE) | 6.9588% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.3767% | 3,222 |
| Net charge-offs to loans | 0.1432% | 1,554 |
| Credit loss provision to net charge-offs | 107.8788% | 2,246 |
| Earnings coverage of net charge-offs (x) | 12.1015% | 2,421 |
| Efficiency ratio | 69.0094% | 3,041 |
| Assets per employee ($millions) | 3.8589% | 4,200 |
| Cash dividends to net income (ytd only)* | 37.1057% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,940 |
| Loan loss allowance to noncurrent loans | 104.6902% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 3,087 |
| Noncurrent loans to loans | 0.8393% | 2,584 |
| Net loans and leases to total assets | 69.4938% | 2,569 |
| Net loans and leases to deposits | 79.4041% | 3,036 |
| Net loans and leases to core deposits | 82.7313% | 3,228 |
| Total domestic deposits to total assets | 87.5192% | 1,652 |
| Equity capital to assets | 11.7898% | 2,266 |
| Core capital (leverage) ratio | 11.0992% | 2,358 |
| Tier 1 risk-based capital ratio | 17.0536% | 2,207 |
| Total risk-based capital ratio | 18.0207% | 2,261 |
| Memoranda: | ||
| Average total assets | $876,389,750 | 831 |
| Average earning assets | $827,675,500 | 796 |
| Average equity | $103,271,250 | 770 |
| Average total loans | $614,401,000 | 806 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 3,259 |
| Cost of funding earning assets | 0.3602% | 3,445 |
| Net interest margin | 3.6358% | 2,952 |
| Noninterest income to average assets | 0.5906% | 2,665 |
| Noninterest expense to average assets | 2.8479% | 2,848 |
| Loan and lease loss provision to assets | 0.0987% | 2,187 |
| Net operating income to assets | 0.7829% | 3,390 |
| Return on assets (ROA) | 0.7996% | 3,453 |
| Pretax return on assets | 1.0983% | 3,202 |
| Return on Equity (ROE) | 6.7872% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.8391% | 2,838 |
| Net charge-offs to loans | 0.1287% | 1,562 |
| Credit loss provision to net charge-offs | 109.4148% | 1,970 |
| Earnings coverage of net charge-offs (x) | 13.0153% | 2,152 |
| Efficiency ratio | 69.7255% | 3,027 |
| Assets per employee ($millions) | 3.7668% | 4,329 |
| Cash dividends to net income (ytd only)* | 28.7026% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 4,973 |
| Loan loss allowance to noncurrent loans | 101.3511% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 3,048 |
| Noncurrent loans to loans | 0.8822% | 2,532 |
| Net loans and leases to total assets | 70.0563% | 2,473 |
| Net loans and leases to deposits | 80.1922% | 2,908 |
| Net loans and leases to core deposits | 83.5986% | 3,117 |
| Total domestic deposits to total assets | 87.3606% | 1,733 |
| Equity capital to assets | 12.0220% | 2,109 |
| Core capital (leverage) ratio | 11.0825% | 2,346 |
| Tier 1 risk-based capital ratio | 17.3885% | 2,101 |
| Total risk-based capital ratio | 18.3793% | 2,131 |
| Memoranda: | ||
| Average total assets | $871,385,330 | 838 |
| Average earning assets | $822,384,000 | 807 |
| Average equity | $102,663,330 | 776 |
| Average total loans | $610,881,000 | 813 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,552 |
| Cost of funding earning assets | 0.3594% | 3,506 |
| Net interest margin | 3.5516% | 3,268 |
| Noninterest income to average assets | 0.5667% | 2,702 |
| Noninterest expense to average assets | 2.8219% | 2,987 |
| Loan and lease loss provision to assets | 0.0874% | 2,226 |
| Net operating income to assets | 0.7406% | 3,534 |
| Return on assets (ROA) | 0.7740% | 3,478 |
| Pretax return on assets | 1.0546% | 3,257 |
| Return on Equity (ROE) | 6.6367% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.6744% | 3,135 |
| Net charge-offs to loans | 0.1187% | 1,405 |
| Credit loss provision to net charge-offs | 105.5249% | 1,558 |
| Earnings coverage of net charge-offs (x) | 13.2320% | 1,747 |
| Efficiency ratio | 70.9112% | 2,964 |
| Assets per employee ($millions) | 3.8830% | 4,156 |
| Cash dividends to net income (ytd only)* | 29.5683% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 5,082 |
| Loan loss allowance to noncurrent loans | 95.6468% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,981 |
| Noncurrent loans to loans | 0.9330% | 2,516 |
| Net loans and leases to total assets | 68.6588% | 2,552 |
| Net loans and leases to deposits | 78.2322% | 2,980 |
| Net loans and leases to core deposits | 81.6233% | 3,164 |
| Total domestic deposits to total assets | 87.7628% | 1,770 |
| Equity capital to assets | 11.6390% | 2,298 |
| Core capital (leverage) ratio | 11.1136% | 2,298 |
| Tier 1 risk-based capital ratio | 17.3267% | 2,178 |
| Total risk-based capital ratio | 18.3229% | 2,222 |
| Memoranda: | ||
| Average total assets | $873,894,500 | 832 |
| Average earning assets | $824,636,500 | 807 |
| Average equity | $101,917,500 | 780 |
| Average total loans | $610,111,000 | 812 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 2,975 |
| Cost of funding earning assets | 0.3709% | 3,478 |
| Net interest margin | 3.7147% | 2,696 |
| Noninterest income to average assets | 0.6107% | 2,669 |
| Noninterest expense to average assets | 2.8768% | 2,939 |
| Loan and lease loss provision to assets | 0.1348% | 1,774 |
| Net operating income to assets | 0.8163% | 3,269 |
| Return on assets (ROA) | 0.8223% | 3,317 |
| Pretax return on assets | 1.1083% | 3,009 |
| Return on Equity (ROE) | 7.2171% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.2171% | 1,193 |
| Net charge-offs to loans | 0.1474% | 1,891 |
| Credit loss provision to net charge-offs | 131.7352% | 1,989 |
| Earnings coverage of net charge-offs (x) | 12.0708% | 2,504 |
| Efficiency ratio | 68.7582% | 3,439 |
| Assets per employee ($millions) | 3.6866% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 5,109 |
| Loan loss allowance to noncurrent loans | 99.7616% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 3,038 |
| Noncurrent loans to loans | 0.8944% | 2,555 |
| Net loans and leases to total assets | 69.7349% | 2,409 |
| Net loans and leases to deposits | 79.6033% | 2,869 |
| Net loans and leases to core deposits | 83.0204% | 3,050 |
| Total domestic deposits to total assets | 87.6031% | 1,845 |
| Equity capital to assets | 11.6863% | 2,203 |
| Core capital (leverage) ratio | 10.9618% | 2,444 |
| Tier 1 risk-based capital ratio | 17.7862% | 2,025 |
| Total risk-based capital ratio | 18.8199% | 2,057 |
| Memoranda: | ||
| Average total assets | $856,238,200 | 806 |
| Average earning assets | $806,980,400 | 778 |
| Average equity | $97,559,400 | 788 |
| Average total loans | $594,277,800 | 787 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 2,998 |
| Cost of funding earning assets | 0.3747% | 3,494 |
| Net interest margin | 3.7124% | 2,714 |
| Noninterest income to average assets | 0.6000% | 2,736 |
| Noninterest expense to average assets | 2.9012% | 2,848 |
| Loan and lease loss provision to assets | 0.1465% | 1,490 |
| Net operating income to assets | 0.7824% | 3,511 |
| Return on assets (ROA) | 0.7881% | 3,575 |
| Pretax return on assets | 1.0572% | 3,386 |
| Return on Equity (ROE) | 6.9619% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.9619% | 1,708 |
| Net charge-offs to loans | 0.1644% | 1,510 |
| Credit loss provision to net charge-offs | 128.8462% | 1,887 |
| Earnings coverage of net charge-offs (x) | 10.5206% | 2,589 |
| Efficiency ratio | 69.5902% | 3,271 |
| Assets per employee ($millions) | 3.8945% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 5,259 |
| Loan loss allowance to noncurrent loans | 87.6183% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 2,928 |
| Noncurrent loans to loans | 1.0094% | 2,457 |
| Net loans and leases to total assets | 69.6184% | 2,449 |
| Net loans and leases to deposits | 79.1309% | 2,977 |
| Net loans and leases to core deposits | 82.4565% | 3,205 |
| Total domestic deposits to total assets | 87.9788% | 1,571 |
| Equity capital to assets | 11.4850% | 2,520 |
| Core capital (leverage) ratio | 10.6831% | 2,846 |
| Tier 1 risk-based capital ratio | 17.3844% | 2,220 |
| Total risk-based capital ratio | 18.4043% | 2,263 |
| Memoranda: | ||
| Average total assets | $853,708,000 | 811 |
| Average earning assets | $804,235,250 | 784 |
| Average equity | $96,638,000 | 796 |
| Average total loans | $590,448,750 | 793 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 2,967 |
| Cost of funding earning assets | 0.3783% | 3,514 |
| Net interest margin | 3.7036% | 2,691 |
| Noninterest income to average assets | 0.5621% | 2,962 |
| Noninterest expense to average assets | 2.9416% | 2,746 |
| Loan and lease loss provision to assets | 0.1527% | 1,392 |
| Net operating income to assets | 0.7209% | 3,786 |
| Return on assets (ROA) | 0.7293% | 3,857 |
| Pretax return on assets | 0.9663% | 3,716 |
| Return on Equity (ROE) | 6.4751% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.4751% | 1,963 |
| Net charge-offs to loans | 0.1823% | 1,362 |
| Credit loss provision to net charge-offs | 121.7636% | 1,780 |
| Earnings coverage of net charge-offs (x) | 8.8330% | 2,526 |
| Efficiency ratio | 71.4136% | 3,090 |
| Assets per employee ($millions) | 3.7123% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 5,358 |
| Loan loss allowance to noncurrent loans | 79.7853% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 2,855 |
| Noncurrent loans to loans | 1.1073% | 2,442 |
| Net loans and leases to total assets | 69.6399% | 2,374 |
| Net loans and leases to deposits | 80.1119% | 2,769 |
| Net loans and leases to core deposits | 83.7884% | 3,001 |
| Total domestic deposits to total assets | 86.9282% | 2,202 |
| Equity capital to assets | 11.4282% | 2,474 |
| Core capital (leverage) ratio | 10.5777% | 2,867 |
| Tier 1 risk-based capital ratio | 17.0417% | 2,389 |
| Total risk-based capital ratio | 18.0459% | 2,444 |
| Memoranda: | ||
| Average total assets | $850,084,330 | 819 |
| Average earning assets | $800,406,330 | 790 |
| Average equity | $95,751,670 | 810 |
| Average total loans | $584,839,330 | 802 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,191 |
| Cost of funding earning assets | 0.3819% | 3,508 |
| Net interest margin | 3.6294% | 2,894 |
| Noninterest income to average assets | 0.5811% | 2,761 |
| Noninterest expense to average assets | 2.9932% | 2,607 |
| Loan and lease loss provision to assets | 0.1576% | 1,291 |
| Net operating income to assets | 0.6494% | 4,050 |
| Return on assets (ROA) | 0.6668% | 4,093 |
| Pretax return on assets | 0.8691% | 3,996 |
| Return on Equity (ROE) | 5.9631% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9631% | 2,523 |
| Net charge-offs to loans | 0.2088% | 1,109 |
| Credit loss provision to net charge-offs | 110.9272% | 1,511 |
| Earnings coverage of net charge-offs (x) | 7.0662% | 2,213 |
| Efficiency ratio | 73.6315% | 2,873 |
| Assets per employee ($millions) | 3.9238% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 5,447 |
| Loan loss allowance to noncurrent loans | 76.7889% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 2,914 |
| Noncurrent loans to loans | 1.1696% | 2,433 |
| Net loans and leases to total assets | 66.6947% | 2,652 |
| Net loans and leases to deposits | 75.5720% | 3,107 |
| Net loans and leases to core deposits | 79.3914% | 3,236 |
| Total domestic deposits to total assets | 88.2532% | 1,686 |
| Equity capital to assets | 11.1596% | 2,798 |
| Core capital (leverage) ratio | 10.4737% | 3,004 |
| Tier 1 risk-based capital ratio | 17.2685% | 2,391 |
| Total risk-based capital ratio | 18.2896% | 2,422 |
| Memoranda: | ||
| Average total assets | $850,069,000 | 822 |
| Average earning assets | $800,124,000 | 793 |
| Average equity | $95,051,000 | 814 |
| Average total loans | $578,611,000 | 807 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,095 |
| Cost of funding earning assets | 0.3973% | 3,720 |
| Net interest margin | 3.7595% | 2,772 |
| Noninterest income to average assets | 0.5966% | 2,880 |
| Noninterest expense to average assets | 2.7753% | 3,579 |
| Loan and lease loss provision to assets | 0.1147% | 2,256 |
| Net operating income to assets | 0.9263% | 2,744 |
| Return on assets (ROA) | 0.9252% | 2,843 |
| Pretax return on assets | 1.2618% | 2,383 |
| Return on Equity (ROE) | 7.6709% | 3,291 |
| Retained earnings to average equity (ytd only) | -10.1883% | 6,321 |
| Net charge-offs to loans | 0.1745% | 2,278 |
| Credit loss provision to net charge-offs | 97.5851% | 2,485 |
| Earnings coverage of net charge-offs (x) | 11.7256% | 2,456 |
| Efficiency ratio | 66.3488% | 4,189 |
| Assets per employee ($millions) | 3.7202% | 4,489 |
| Cash dividends to net income (ytd only)* | 232.8175% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 5,502 |
| Loan loss allowance to noncurrent loans | 69.7244% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 2,870 |
| Noncurrent loans to loans | 1.2786% | 2,318 |
| Net loans and leases to total assets | 68.2425% | 2,521 |
| Net loans and leases to deposits | 77.9913% | 2,975 |
| Net loans and leases to core deposits | 81.8828% | 3,124 |
| Total domestic deposits to total assets | 87.5001% | 2,034 |
| Equity capital to assets | 11.1995% | 2,697 |
| Core capital (leverage) ratio | 10.6720% | 2,750 |
| Tier 1 risk-based capital ratio | 14.8940% | 3,545 |
| Total risk-based capital ratio | 15.7998% | 3,680 |
| Memoranda: | ||
| Average total assets | $775,260,000 | 873 |
| Average earning assets | $733,430,800 | 838 |
| Average equity | $93,509,600 | 788 |
| Average total loans | $521,998,200 | 851 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,074 |
| Cost of funding earning assets | 0.4037% | 3,752 |
| Net interest margin | 3.7726% | 2,724 |
| Noninterest income to average assets | 0.6024% | 2,853 |
| Noninterest expense to average assets | 2.7174% | 3,758 |
| Loan and lease loss provision to assets | 0.1040% | 2,307 |
| Net operating income to assets | 0.9907% | 2,497 |
| Return on assets (ROA) | 0.9907% | 2,557 |
| Pretax return on assets | 1.3565% | 2,166 |
| Return on Equity (ROE) | 8.0544% | 3,175 |
| Retained earnings to average equity (ytd only) | 5.1977% | 2,954 |
| Net charge-offs to loans | 0.1620% | 2,180 |
| Credit loss provision to net charge-offs | 95.9481% | 2,320 |
| Earnings coverage of net charge-offs (x) | 13.4732% | 2,221 |
| Efficiency ratio | 64.5458% | 4,458 |
| Assets per employee ($millions) | 3.7959% | 4,299 |
| Cash dividends to net income (ytd only)* | 35.4673% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 5,212 |
| Loan loss allowance to noncurrent loans | 78.2345% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 3,124 |
| Noncurrent loans to loans | 1.2800% | 2,500 |
| Net loans and leases to total assets | 66.8321% | 2,714 |
| Net loans and leases to deposits | 76.7473% | 3,104 |
| Net loans and leases to core deposits | 80.8235% | 3,213 |
| Total domestic deposits to total assets | 87.0807% | 2,275 |
| Equity capital to assets | 12.4640% | 1,725 |
| Core capital (leverage) ratio | 11.8461% | 1,797 |
| Tier 1 risk-based capital ratio | 17.7812% | 2,284 |
| Total risk-based capital ratio | 18.7988% | 2,340 |
| Memoranda: | ||
| Average total assets | $758,884,500 | 900 |
| Average earning assets | $719,239,750 | 856 |
| Average equity | $93,346,750 | 791 |
| Average total loans | $507,768,250 | 881 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 3,153 |
| Cost of funding earning assets | 0.4028% | 3,841 |
| Net interest margin | 3.7466% | 2,775 |
| Noninterest income to average assets | 0.5959% | 2,839 |
| Noninterest expense to average assets | 2.7144% | 3,811 |
| Loan and lease loss provision to assets | 0.0774% | 2,733 |
| Net operating income to assets | 0.9822% | 2,397 |
| Return on assets (ROA) | 0.9822% | 2,475 |
| Pretax return on assets | 1.3523% | 2,076 |
| Return on Equity (ROE) | 8.0204% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.8644% | 2,407 |
| Net charge-offs to loans | 0.1080% | 2,594 |
| Credit loss provision to net charge-offs | 107.3260% | 1,866 |
| Earnings coverage of net charge-offs (x) | 19.8352% | 1,608 |
| Efficiency ratio | 65.0930% | 4,514 |
| Assets per employee ($millions) | 3.6596% | 4,529 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,272 |
| Loan loss allowance to noncurrent loans | 78.0762% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 3,177 |
| Noncurrent loans to loans | 1.3038% | 2,632 |
| Net loans and leases to total assets | 66.7827% | 2,622 |
| Net loans and leases to deposits | 77.7418% | 2,835 |
| Net loans and leases to core deposits | 82.1759% | 2,954 |
| Total domestic deposits to total assets | 85.9033% | 3,094 |
| Equity capital to assets | 12.4416% | 1,681 |
| Core capital (leverage) ratio | 11.8340% | 1,764 |
| Tier 1 risk-based capital ratio | 17.5064% | 2,409 |
| Total risk-based capital ratio | 18.5278% | 2,463 |
| Memoranda: | ||
| Average total assets | $757,521,000 | 903 |
| Average earning assets | $717,402,000 | 857 |
| Average equity | $92,763,330 | 787 |
| Average total loans | $505,334,330 | 882 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 3,374 |
| Cost of funding earning assets | 0.4008% | 3,958 |
| Net interest margin | 3.6751% | 2,968 |
| Noninterest income to average assets | 0.5587% | 2,994 |
| Noninterest expense to average assets | 2.7279% | 3,838 |
| Loan and lease loss provision to assets | 0.0787% | 2,576 |
| Net operating income to assets | 0.9125% | 2,590 |
| Return on assets (ROA) | 0.9125% | 2,663 |
| Pretax return on assets | 1.2383% | 2,320 |
| Return on Equity (ROE) | 7.5114% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.3380% | 2,895 |
| Net charge-offs to loans | 0.1130% | 2,046 |
| Credit loss provision to net charge-offs | 104.9296% | 1,593 |
| Earnings coverage of net charge-offs (x) | 17.5634% | 1,454 |
| Efficiency ratio | 67.0235% | 4,359 |
| Assets per employee ($millions) | 3.7175% | 4,482 |
| Cash dividends to net income (ytd only)* | 28.9352% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,396 |
| Loan loss allowance to noncurrent loans | 66.5299% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 3,086 |
| Noncurrent loans to loans | 1.5520% | 2,487 |
| Net loans and leases to total assets | 64.9573% | 2,735 |
| Net loans and leases to deposits | 74.2279% | 3,037 |
| Net loans and leases to core deposits | 78.9306% | 3,099 |
| Total domestic deposits to total assets | 87.5106% | 2,502 |
| Equity capital to assets | 12.0983% | 1,807 |
| Core capital (leverage) ratio | 11.7590% | 1,794 |
| Tier 1 risk-based capital ratio | 17.2297% | 2,584 |
| Total risk-based capital ratio | 18.2498% | 2,646 |
| Memoranda: | ||
| Average total assets | $757,511,500 | 900 |
| Average earning assets | $718,566,000 | 861 |
| Average equity | $92,020,000 | 794 |
| Average total loans | $502,447,000 | 880 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 3,363 |
| Cost of funding earning assets | 0.4656% | 3,957 |
| Net interest margin | 3.7302% | 2,940 |
| Noninterest income to average assets | 0.5676% | 3,282 |
| Noninterest expense to average assets | 2.7580% | 3,881 |
| Loan and lease loss provision to assets | 0.0926% | 3,256 |
| Net operating income to assets | 0.9409% | 2,600 |
| Return on assets (ROA) | 0.9411% | 2,677 |
| Pretax return on assets | 1.2666% | 2,285 |
| Return on Equity (ROE) | 7.9403% | 3,060 |
| Retained earnings to average equity (ytd only) | 5.6992% | 2,159 |
| Net charge-offs to loans | 0.2489% | 2,477 |
| Credit loss provision to net charge-offs | 57.3663% | 3,643 |
| Earnings coverage of net charge-offs (x) | 8.4214% | 2,675 |
| Efficiency ratio | 66.5785% | 4,457 |
| Assets per employee ($millions) | 3.5508% | 4,801 |
| Cash dividends to net income (ytd only)* | 28.2247% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 5,408 |
| Loan loss allowance to noncurrent loans | 67.6367% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 3,252 |
| Noncurrent loans to loans | 1.5257% | 2,604 |
| Net loans and leases to total assets | 66.3458% | 2,640 |
| Net loans and leases to deposits | 77.1150% | 2,839 |
| Net loans and leases to core deposits | 82.7249% | 2,810 |
| Total domestic deposits to total assets | 86.0350% | 3,241 |
| Equity capital to assets | 12.1981% | 1,683 |
| Core capital (leverage) ratio | 11.5354% | 1,936 |
| Tier 1 risk-based capital ratio | 16.9899% | 2,614 |
| Total risk-based capital ratio | 18.0092% | 2,687 |
| Memoranda: | ||
| Average total assets | $752,932,600 | 886 |
| Average earning assets | $716,430,600 | 849 |
| Average equity | $89,240,400 | 788 |
| Average total loans | $488,227,600 | 870 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 3,434 |
| Cost of funding earning assets | 0.4750% | 4,019 |
| Net interest margin | 3.7126% | 2,983 |
| Noninterest income to average assets | 0.5704% | 3,327 |
| Noninterest expense to average assets | 2.7492% | 3,833 |
| Loan and lease loss provision to assets | 0.0870% | 3,318 |
| Net operating income to assets | 0.9488% | 2,600 |
| Return on assets (ROA) | 0.9485% | 2,705 |
| Pretax return on assets | 1.2685% | 2,453 |
| Return on Equity (ROE) | 8.0612% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.8065% | 2,535 |
| Net charge-offs to loans | 0.2522% | 2,302 |
| Credit loss provision to net charge-offs | 53.6532% | 3,424 |
| Earnings coverage of net charge-offs (x) | 8.3598% | 2,635 |
| Efficiency ratio | 66.5575% | 4,384 |
| Assets per employee ($millions) | 3.6925% | 4,466 |
| Cash dividends to net income (ytd only)* | 27.9694% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 5,496 |
| Loan loss allowance to noncurrent loans | 71.6167% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 3,551 |
| Noncurrent loans to loans | 1.4765% | 2,950 |
| Net loans and leases to total assets | 65.2179% | 2,760 |
| Net loans and leases to deposits | 74.3961% | 3,176 |
| Net loans and leases to core deposits | 79.4385% | 3,186 |
| Total domestic deposits to total assets | 87.6630% | 2,317 |
| Equity capital to assets | 11.9259% | 1,964 |
| Core capital (leverage) ratio | 11.2769% | 2,221 |
| Tier 1 risk-based capital ratio | 16.4511% | 2,959 |
| Total risk-based capital ratio | 17.4705% | 3,035 |
| Memoranda: | ||
| Average total assets | $753,862,000 | 892 |
| Average earning assets | $717,718,750 | 853 |
| Average equity | $88,703,000 | 800 |
| Average total loans | $484,720,500 | 877 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 3,524 |
| Cost of funding earning assets | 0.4829% | 4,058 |
| Net interest margin | 3.6705% | 3,078 |
| Noninterest income to average assets | 0.5627% | 3,425 |
| Noninterest expense to average assets | 2.7661% | 3,795 |
| Loan and lease loss provision to assets | 0.0693% | 3,650 |
| Net operating income to assets | 0.9220% | 2,693 |
| Return on assets (ROA) | 0.9216% | 2,831 |
| Pretax return on assets | 1.2263% | 2,571 |
| Return on Equity (ROE) | 7.8681% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.6000% | 2,674 |
| Net charge-offs to loans | 0.2838% | 2,064 |
| Credit loss provision to net charge-offs | 38.3260% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.1645% | 2,589 |
| Efficiency ratio | 67.6738% | 4,237 |
| Assets per employee ($millions) | 3.6075% | 4,604 |
| Cash dividends to net income (ytd only)* | 28.8268% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,508 |
| Loan loss allowance to noncurrent loans | 71.9384% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 3,612 |
| Noncurrent loans to loans | 1.5060% | 3,042 |
| Net loans and leases to total assets | 63.3451% | 3,035 |
| Net loans and leases to deposits | 73.1001% | 3,282 |
| Net loans and leases to core deposits | 77.9147% | 3,303 |
| Total domestic deposits to total assets | 86.6553% | 3,023 |
| Equity capital to assets | 11.6827% | 2,142 |
| Core capital (leverage) ratio | 11.1509% | 2,215 |
| Tier 1 risk-based capital ratio | 16.2852% | 3,045 |
| Total risk-based capital ratio | 17.3125% | 3,100 |
| Memoranda: | ||
| Average total assets | $752,830,000 | 892 |
| Average earning assets | $717,777,670 | 847 |
| Average equity | $88,179,330 | 807 |
| Average total loans | $479,978,000 | 876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,564 |
| Cost of funding earning assets | 0.4971% | 4,120 |
| Net interest margin | 3.6413% | 3,106 |
| Noninterest income to average assets | 0.5129% | 3,690 |
| Noninterest expense to average assets | 2.8093% | 3,662 |
| Loan and lease loss provision to assets | 0.0144% | 4,273 |
| Net operating income to assets | 0.8761% | 2,774 |
| Return on assets (ROA) | 0.8757% | 2,925 |
| Pretax return on assets | 1.1562% | 2,740 |
| Return on Equity (ROE) | 7.4665% | 3,234 |
| Retained earnings to average equity (ytd only) | 5.1887% | 3,123 |
| Net charge-offs to loans | 0.0134% | 3,876 |
| Credit loss provision to net charge-offs | 168.7500% | 1,244 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 285 |
| Efficiency ratio | 70.1477% | 3,943 |
| Assets per employee ($millions) | 3.6129% | 4,750 |
| Cash dividends to net income (ytd only)* | 30.5064% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,200 |
| Loan loss allowance to noncurrent loans | 78.3539% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 3,783 |
| Noncurrent loans to loans | 1.5271% | 3,255 |
| Net loans and leases to total assets | 61.8714% | 3,084 |
| Net loans and leases to deposits | 70.2958% | 3,431 |
| Net loans and leases to core deposits | 74.5335% | 3,513 |
| Total domestic deposits to total assets | 88.0159% | 2,298 |
| Equity capital to assets | 11.5872% | 2,343 |
| Core capital (leverage) ratio | 11.2096% | 2,087 |
| Tier 1 risk-based capital ratio | 16.2820% | 3,115 |
| Total risk-based capital ratio | 17.4113% | 3,129 |
| Memoranda: | ||
| Average total assets | $748,651,500 | 901 |
| Average earning assets | $712,928,000 | 862 |
| Average equity | $87,805,500 | 816 |
| Average total loans | $476,239,000 | 889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 3,268 |
| Cost of funding earning assets | 0.6191% | 4,182 |
| Net interest margin | 3.9134% | 2,767 |
| Noninterest income to average assets | 0.5219% | 3,761 |
| Noninterest expense to average assets | 2.7915% | 4,054 |
| Loan and lease loss provision to assets | 0.1935% | 3,215 |
| Net operating income to assets | 0.9484% | 2,558 |
| Return on assets (ROA) | 0.9484% | 2,810 |
| Pretax return on assets | 1.2558% | 2,586 |
| Return on Equity (ROE) | 8.3502% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.1629% | 1,494 |
| Net charge-offs to loans | 0.3651% | 2,805 |
| Credit loss provision to net charge-offs | 84.1149% | 3,694 |
| Earnings coverage of net charge-offs (x) | 6.2995% | 2,836 |
| Efficiency ratio | 65.4307% | 4,618 |
| Assets per employee ($millions) | 3.4833% | 5,041 |
| Cash dividends to net income (ytd only)* | 14.2187% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 5,112 |
| Loan loss allowance to noncurrent loans | 65.6192% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 3,398 |
| Noncurrent loans to loans | 1.8287% | 2,878 |
| Net loans and leases to total assets | 63.8664% | 2,918 |
| Net loans and leases to deposits | 72.9165% | 3,266 |
| Net loans and leases to core deposits | 77.4676% | 3,340 |
| Total domestic deposits to total assets | 87.5883% | 2,482 |
| Equity capital to assets | 11.8751% | 2,128 |
| Core capital (leverage) ratio | 11.0085% | 2,248 |
| Tier 1 risk-based capital ratio | 16.1895% | 3,051 |
| Total risk-based capital ratio | 17.3264% | 3,072 |
| Memoranda: | ||
| Average total assets | $741,548,400 | 898 |
| Average earning assets | $704,676,400 | 859 |
| Average equity | $84,225,600 | 834 |
| Average total loans | $467,307,800 | 879 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 3,413 |
| Cost of funding earning assets | 0.6440% | 4,241 |
| Net interest margin | 3.9093% | 2,885 |
| Noninterest income to average assets | 0.5138% | 3,835 |
| Noninterest expense to average assets | 2.7705% | 4,090 |
| Loan and lease loss provision to assets | 0.2052% | 3,022 |
| Net operating income to assets | 0.9480% | 2,756 |
| Return on assets (ROA) | 0.9480% | 2,984 |
| Pretax return on assets | 1.2528% | 2,781 |
| Return on Equity (ROE) | 8.4411% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.2430% | 1,984 |
| Net charge-offs to loans | 0.3882% | 2,540 |
| Credit loss provision to net charge-offs | 84.4280% | 3,483 |
| Earnings coverage of net charge-offs (x) | 5.9978% | 2,874 |
| Efficiency ratio | 65.1252% | 4,608 |
| Assets per employee ($millions) | 3.5988% | 4,759 |
| Cash dividends to net income (ytd only)* | 14.1939% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 5,245 |
| Loan loss allowance to noncurrent loans | 53.7206% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 3,223 |
| Noncurrent loans to loans | 2.2483% | 2,557 |
| Net loans and leases to total assets | 62.9502% | 3,214 |
| Net loans and leases to deposits | 71.5198% | 3,674 |
| Net loans and leases to core deposits | 76.0769% | 3,717 |
| Total domestic deposits to total assets | 88.0179% | 2,034 |
| Equity capital to assets | 11.4781% | 2,766 |
| Core capital (leverage) ratio | 10.8056% | 2,592 |
| Tier 1 risk-based capital ratio | 15.5446% | 3,508 |
| Total risk-based capital ratio | 16.6688% | 3,541 |
| Memoranda: | ||
| Average total assets | $743,191,250 | 902 |
| Average earning assets | $706,192,750 | 860 |
| Average equity | $83,462,250 | 841 |
| Average total loans | $465,358,750 | 883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 3,384 |
| Cost of funding earning assets | 0.6884% | 4,110 |
| Net interest margin | 3.9066% | 2,878 |
| Noninterest income to average assets | 0.4918% | 3,970 |
| Noninterest expense to average assets | 2.8114% | 3,971 |
| Loan and lease loss provision to assets | 0.2455% | 2,607 |
| Net operating income to assets | 0.8786% | 3,005 |
| Return on assets (ROA) | 0.8786% | 3,258 |
| Pretax return on assets | 1.1454% | 3,135 |
| Return on Equity (ROE) | 7.8821% | 3,308 |
| Retained earnings to average equity (ytd only) | 6.6721% | 2,290 |
| Net charge-offs to loans | 0.4369% | 2,293 |
| Credit loss provision to net charge-offs | 90.2778% | 3,041 |
| Earnings coverage of net charge-offs (x) | 5.1151% | 2,903 |
| Efficiency ratio | 66.3757% | 4,469 |
| Assets per employee ($millions) | 3.4188% | 5,170 |
| Cash dividends to net income (ytd only)* | 15.3516% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,132 |
| Loan loss allowance to noncurrent loans | 55.4674% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 3,352 |
| Noncurrent loans to loans | 2.2479% | 2,674 |
| Net loans and leases to total assets | 62.4224% | 3,352 |
| Net loans and leases to deposits | 71.7827% | 3,647 |
| Net loans and leases to core deposits | 76.1147% | 3,760 |
| Total domestic deposits to total assets | 86.9603% | 2,789 |
| Equity capital to assets | 11.2765% | 2,823 |
| Core capital (leverage) ratio | 10.5749% | 2,730 |
| Tier 1 risk-based capital ratio | 15.2322% | 3,612 |
| Total risk-based capital ratio | 16.3816% | 3,649 |
| Memoranda: | ||
| Average total assets | $741,402,670 | 908 |
| Average earning assets | $704,190,670 | 857 |
| Average equity | $82,643,000 | 842 |
| Average total loans | $461,485,330 | 890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 3,837 |
| Cost of funding earning assets | 0.7446% | 3,909 |
| Net interest margin | 3.7753% | 3,494 |
| Noninterest income to average assets | 0.4847% | 4,025 |
| Noninterest expense to average assets | 2.7761% | 4,137 |
| Loan and lease loss provision to assets | 0.2185% | 2,753 |
| Net operating income to assets | 0.8320% | 3,239 |
| Return on assets (ROA) | 0.8320% | 3,470 |
| Pretax return on assets | 1.0748% | 3,415 |
| Return on Equity (ROE) | 7.5077% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.2873% | 2,801 |
| Net charge-offs to loans | 0.3977% | 2,107 |
| Credit loss provision to net charge-offs | 88.9868% | 2,563 |
| Earnings coverage of net charge-offs (x) | 5.2665% | 2,410 |
| Efficiency ratio | 67.7921% | 4,210 |
| Assets per employee ($millions) | 3.5179% | 5,075 |
| Cash dividends to net income (ytd only)* | 16.2549% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 5,014 |
| Loan loss allowance to noncurrent loans | 47.1347% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.7867% | 3,191 |
| Noncurrent loans to loans | 2.7618% | 2,353 |
| Net loans and leases to total assets | 59.6417% | 3,744 |
| Net loans and leases to deposits | 67.3073% | 4,179 |
| Net loans and leases to core deposits | 71.3050% | 4,254 |
| Total domestic deposits to total assets | 88.6111% | 1,949 |
| Equity capital to assets | 10.9593% | 2,954 |
| Core capital (leverage) ratio | 10.4689% | 2,788 |
| Tier 1 risk-based capital ratio | 15.2766% | 3,568 |
| Total risk-based capital ratio | 16.4616% | 3,576 |
| Memoranda: | ||
| Average total assets | $739,457,500 | 909 |
| Average earning assets | $702,140,000 | 861 |
| Average equity | $81,943,000 | 846 |
| Average total loans | $456,676,000 | 905 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 2,836 |
| Cost of funding earning assets | 0.8948% | 4,164 |
| Net interest margin | 4.1151% | 2,367 |
| Noninterest income to average assets | 0.4453% | 4,261 |
| Noninterest expense to average assets | 2.8006% | 4,342 |
| Loan and lease loss provision to assets | 0.3931% | 2,631 |
| Net operating income to assets | 0.8915% | 2,640 |
| Return on assets (ROA) | 0.8915% | 2,774 |
| Pretax return on assets | 1.1549% | 2,629 |
| Return on Equity (ROE) | 8.1578% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.8877% | 1,559 |
| Net charge-offs to loans | 0.6111% | 2,615 |
| Credit loss provision to net charge-offs | 100.4255% | 3,479 |
| Earnings coverage of net charge-offs (x) | 3.9550% | 3,325 |
| Efficiency ratio | 63.9782% | 5,136 |
| Assets per employee ($millions) | 3.3154% | 5,463 |
| Cash dividends to net income (ytd only)* | 15.5690% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,891 |
| Loan loss allowance to noncurrent loans | 46.4711% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 3,120 |
| Noncurrent loans to loans | 2.8033% | 2,340 |
| Net loans and leases to total assets | 62.3146% | 3,535 |
| Net loans and leases to deposits | 70.5526% | 4,014 |
| Net loans and leases to core deposits | 74.6397% | 4,156 |
| Total domestic deposits to total assets | 88.3236% | 1,954 |
| Equity capital to assets | 11.2082% | 2,786 |
| Core capital (leverage) ratio | 10.3412% | 2,921 |
| Tier 1 risk-based capital ratio | 15.0305% | 3,619 |
| Total risk-based capital ratio | 16.2269% | 3,611 |
| Memoranda: | ||
| Average total assets | $720,492,600 | 911 |
| Average earning assets | $683,404,000 | 877 |
| Average equity | $78,734,800 | 856 |
| Average total loans | $461,447,000 | 905 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 2,826 |
| Cost of funding earning assets | 0.9222% | 4,257 |
| Net interest margin | 4.1319% | 2,346 |
| Noninterest income to average assets | 0.4622% | 4,201 |
| Noninterest expense to average assets | 2.8157% | 4,280 |
| Loan and lease loss provision to assets | 0.4025% | 2,436 |
| Net operating income to assets | 0.8946% | 2,758 |
| Return on assets (ROA) | 0.8946% | 2,907 |
| Pretax return on assets | 1.1635% | 2,773 |
| Return on Equity (ROE) | 8.2399% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.3860% | 1,780 |
| Net charge-offs to loans | 0.6219% | 2,385 |
| Credit loss provision to net charge-offs | 100.6957% | 3,341 |
| Earnings coverage of net charge-offs (x) | 3.9174% | 3,243 |
| Efficiency ratio | 63.8372% | 5,102 |
| Assets per employee ($millions) | 3.4124% | 5,221 |
| Cash dividends to net income (ytd only)* | 10.3627% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,071 |
| Loan loss allowance to noncurrent loans | 51.4510% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 3,537 |
| Noncurrent loans to loans | 2.4994% | 2,772 |
| Net loans and leases to total assets | 62.2272% | 3,665 |
| Net loans and leases to deposits | 70.1985% | 4,264 |
| Net loans and leases to core deposits | 74.1424% | 4,430 |
| Total domestic deposits to total assets | 88.6445% | 1,663 |
| Equity capital to assets | 10.9263% | 3,213 |
| Core capital (leverage) ratio | 10.2129% | 3,177 |
| Tier 1 risk-based capital ratio | 14.6971% | 3,838 |
| Total risk-based capital ratio | 15.8856% | 3,856 |
| Memoranda: | ||
| Average total assets | $719,095,000 | 915 |
| Average earning assets | $682,119,500 | 881 |
| Average equity | $78,073,250 | 870 |
| Average total loans | $462,201,750 | 918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 2,840 |
| Cost of funding earning assets | 0.9474% | 4,338 |
| Net interest margin | 4.1214% | 2,338 |
| Noninterest income to average assets | 0.4109% | 4,588 |
| Noninterest expense to average assets | 2.8066% | 4,405 |
| Loan and lease loss provision to assets | 0.4140% | 2,360 |
| Net operating income to assets | 0.8498% | 2,858 |
| Return on assets (ROA) | 0.8498% | 2,955 |
| Pretax return on assets | 1.0980% | 2,860 |
| Return on Equity (ROE) | 7.8444% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.8444% | 1,514 |
| Net charge-offs to loans | 0.6389% | 2,239 |
| Credit loss provision to net charge-offs | 100.1357% | 3,103 |
| Earnings coverage of net charge-offs (x) | 3.6574% | 3,089 |
| Efficiency ratio | 64.5603% | 5,137 |
| Assets per employee ($millions) | 3.3087% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 5,083 |
| Loan loss allowance to noncurrent loans | 50.5297% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8716% | 3,405 |
| Noncurrent loans to loans | 2.5627% | 2,814 |
| Net loans and leases to total assets | 63.2953% | 3,619 |
| Net loans and leases to deposits | 71.4162% | 4,215 |
| Net loans and leases to core deposits | 75.7604% | 4,347 |
| Total domestic deposits to total assets | 88.6287% | 1,768 |
| Equity capital to assets | 11.0002% | 2,951 |
| Core capital (leverage) ratio | 10.1299% | 3,106 |
| Tier 1 risk-based capital ratio | 14.4676% | 3,812 |
| Total risk-based capital ratio | 15.6563% | 3,835 |
| Memoranda: | ||
| Average total assets | $713,102,670 | 926 |
| Average earning assets | $676,136,330 | 898 |
| Average equity | $77,252,670 | 879 |
| Average total loans | $461,391,000 | 935 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,879 |
| Cost of funding earning assets | 0.9597% | 4,498 |
| Net interest margin | 4.0865% | 2,317 |
| Noninterest income to average assets | 0.4396% | 4,367 |
| Noninterest expense to average assets | 2.8531% | 4,255 |
| Loan and lease loss provision to assets | 0.4480% | 1,969 |
| Net operating income to assets | 0.7869% | 3,095 |
| Return on assets (ROA) | 0.7869% | 3,163 |
| Pretax return on assets | 1.0137% | 3,081 |
| Return on Equity (ROE) | 7.3204% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.3204% | 2,015 |
| Net charge-offs to loans | 0.6876% | 1,839 |
| Credit loss provision to net charge-offs | 100.2519% | 2,638 |
| Earnings coverage of net charge-offs (x) | 3.2708% | 2,796 |
| Efficiency ratio | 65.6927% | 5,083 |
| Assets per employee ($millions) | 3.3216% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 5,106 |
| Loan loss allowance to noncurrent loans | 52.9814% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 3,388 |
| Noncurrent loans to loans | 2.4628% | 3,033 |
| Net loans and leases to total assets | 62.5636% | 3,742 |
| Net loans and leases to deposits | 70.3818% | 4,288 |
| Net loans and leases to core deposits | 74.2591% | 4,512 |
| Total domestic deposits to total assets | 88.8918% | 1,842 |
| Equity capital to assets | 10.6879% | 2,998 |
| Core capital (leverage) ratio | 10.1864% | 2,941 |
| Tier 1 risk-based capital ratio | 14.2530% | 3,904 |
| Total risk-based capital ratio | 15.4516% | 3,905 |
| Memoranda: | ||
| Average total assets | $710,662,000 | 940 |
| Average earning assets | $673,929,500 | 905 |
| Average equity | $76,389,000 | 878 |
| Average total loans | $461,880,500 | 947 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 2,678 |
| Cost of funding earning assets | 1.2563% | 4,171 |
| Net interest margin | 4.1420% | 2,401 |
| Noninterest income to average assets | 0.5121% | 4,075 |
| Noninterest expense to average assets | 2.7716% | 4,701 |
| Loan and lease loss provision to assets | 0.5698% | 2,849 |
| Net operating income to assets | 0.8324% | 2,659 |
| Return on assets (ROA) | 0.8324% | 2,802 |
| Pretax return on assets | 1.0959% | 2,592 |
| Return on Equity (ROE) | 7.9449% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.9102% | 1,870 |
| Net charge-offs to loans | 0.7913% | 2,663 |
| Credit loss provision to net charge-offs | 105.8622% | 4,227 |
| Earnings coverage of net charge-offs (x) | 3.0948% | 3,524 |
| Efficiency ratio | 61.9583% | 5,738 |
| Assets per employee ($millions) | 3.1988% | 5,671 |
| Cash dividends to net income (ytd only)* | 25.6104% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,122 |
| Loan loss allowance to noncurrent loans | 46.0161% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1506% | 3,154 |
| Noncurrent loans to loans | 2.7743% | 2,748 |
| Net loans and leases to total assets | 65.7907% | 3,506 |
| Net loans and leases to deposits | 74.7190% | 4,077 |
| Net loans and leases to core deposits | 78.5827% | 4,386 |
| Total domestic deposits to total assets | 88.0509% | 2,215 |
| Equity capital to assets | 10.8118% | 2,846 |
| Core capital (leverage) ratio | 9.9228% | 3,174 |
| Tier 1 risk-based capital ratio | 14.1021% | 3,809 |
| Total risk-based capital ratio | 15.3120% | 3,799 |
| Memoranda: | ||
| Average total assets | $703,601,800 | 947 |
| Average earning assets | $666,786,000 | 916 |
| Average equity | $73,720,200 | 904 |
| Average total loans | $478,596,000 | 940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 2,830 |
| Cost of funding earning assets | 1.3201% | 4,114 |
| Net interest margin | 4.0911% | 2,666 |
| Noninterest income to average assets | 0.5139% | 4,073 |
| Noninterest expense to average assets | 2.7525% | 4,675 |
| Loan and lease loss provision to assets | 0.5756% | 2,635 |
| Net operating income to assets | 0.8066% | 2,971 |
| Return on assets (ROA) | 0.8066% | 3,121 |
| Pretax return on assets | 1.0623% | 2,959 |
| Return on Equity (ROE) | 7.7596% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.0280% | 2,971 |
| Net charge-offs to loans | 0.7650% | 2,513 |
| Credit loss provision to net charge-offs | 110.0615% | 3,853 |
| Earnings coverage of net charge-offs (x) | 3.1317% | 3,575 |
| Efficiency ratio | 62.1885% | 5,594 |
| Assets per employee ($millions) | 3.1986% | 5,680 |
| Cash dividends to net income (ytd only)* | 35.2030% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,132 |
| Loan loss allowance to noncurrent loans | 42.2888% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.2301% | 3,157 |
| Noncurrent loans to loans | 2.9950% | 2,664 |
| Net loans and leases to total assets | 66.0441% | 3,681 |
| Net loans and leases to deposits | 74.7534% | 4,388 |
| Net loans and leases to core deposits | 78.4721% | 4,746 |
| Total domestic deposits to total assets | 88.3493% | 1,764 |
| Equity capital to assets | 10.5147% | 3,493 |
| Core capital (leverage) ratio | 9.6143% | 3,746 |
| Tier 1 risk-based capital ratio | 13.6381% | 4,091 |
| Total risk-based capital ratio | 14.8477% | 4,069 |
| Memoranda: | ||
| Average total assets | $704,367,750 | 952 |
| Average earning assets | $667,421,250 | 920 |
| Average equity | $73,215,000 | 905 |
| Average total loans | $481,532,750 | 939 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 2,713 |
| Cost of funding earning assets | 1.3796% | 4,005 |
| Net interest margin | 4.0785% | 2,664 |
| Noninterest income to average assets | 0.5355% | 3,832 |
| Noninterest expense to average assets | 2.7634% | 4,644 |
| Loan and lease loss provision to assets | 0.6426% | 2,237 |
| Net operating income to assets | 0.7605% | 3,148 |
| Return on assets (ROA) | 0.7605% | 3,302 |
| Pretax return on assets | 0.9945% | 3,139 |
| Return on Equity (ROE) | 7.3448% | 3,168 |
| Retained earnings to average equity (ytd only) | 4.5950% | 3,151 |
| Net charge-offs to loans | 0.8497% | 2,130 |
| Credit loss provision to net charge-offs | 109.8297% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.7981% | 3,590 |
| Efficiency ratio | 62.2930% | 5,640 |
| Assets per employee ($millions) | 3.1664% | 5,750 |
| Cash dividends to net income (ytd only)* | 37.4392% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,238 |
| Loan loss allowance to noncurrent loans | 48.4226% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.0961% | 3,383 |
| Noncurrent loans to loans | 2.5609% | 3,088 |
| Net loans and leases to total assets | 67.6039% | 3,472 |
| Net loans and leases to deposits | 76.4985% | 4,239 |
| Net loans and leases to core deposits | 80.4698% | 4,639 |
| Total domestic deposits to total assets | 88.3728% | 1,792 |
| Equity capital to assets | 10.5197% | 3,383 |
| Core capital (leverage) ratio | 9.4981% | 3,823 |
| Tier 1 risk-based capital ratio | 13.5084% | 4,061 |
| Total risk-based capital ratio | 14.7114% | 4,060 |
| Memoranda: | ||
| Average total assets | $702,460,670 | 958 |
| Average earning assets | $665,690,670 | 930 |
| Average equity | $72,732,000 | 909 |
| Average total loans | $483,714,330 | 944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 3,006 |
| Cost of funding earning assets | 1.4640% | 3,783 |
| Net interest margin | 3.9426% | 3,138 |
| Noninterest income to average assets | 0.5104% | 3,973 |
| Noninterest expense to average assets | 2.7746% | 4,585 |
| Loan and lease loss provision to assets | 0.5530% | 2,288 |
| Net operating income to assets | 0.7110% | 3,388 |
| Return on assets (ROA) | 0.7110% | 3,497 |
| Pretax return on assets | 0.9219% | 3,378 |
| Return on Equity (ROE) | 6.9221% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.1555% | 3,655 |
| Net charge-offs to loans | 0.6444% | 2,215 |
| Credit loss provision to net charge-offs | 124.2656% | 2,824 |
| Earnings coverage of net charge-offs (x) | 3.3142% | 2,944 |
| Efficiency ratio | 64.7720% | 5,347 |
| Assets per employee ($millions) | 3.3773% | 5,349 |
| Cash dividends to net income (ytd only)* | 39.9680% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,336 |
| Loan loss allowance to noncurrent loans | 41.4285% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 3,193 |
| Noncurrent loans to loans | 2.9681% | 2,707 |
| Net loans and leases to total assets | 67.1375% | 3,593 |
| Net loans and leases to deposits | 75.7912% | 4,454 |
| Net loans and leases to core deposits | 79.5315% | 4,826 |
| Total domestic deposits to total assets | 88.5822% | 1,744 |
| Equity capital to assets | 10.2325% | 3,558 |
| Core capital (leverage) ratio | 9.4638% | 3,828 |
| Tier 1 risk-based capital ratio | 13.3205% | 4,110 |
| Total risk-based capital ratio | 14.5218% | 4,094 |
| Memoranda: | ||
| Average total assets | $703,800,500 | 978 |
| Average earning assets | $667,478,000 | 948 |
| Average equity | $72,290,500 | 918 |
| Average total loans | $486,062,000 | 966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9207% | 2,157 |
| Cost of funding earning assets | 2.0014% | 2,960 |
| Net interest margin | 3.9192% | 3,192 |
| Noninterest income to average assets | 0.5140% | 4,297 |
| Noninterest expense to average assets | 2.7579% | 5,132 |
| Loan and lease loss provision to assets | 0.4517% | 4,119 |
| Net operating income to assets | 0.7620% | 2,668 |
| Return on assets (ROA) | 0.7620% | 2,764 |
| Pretax return on assets | 1.0152% | 2,541 |
| Return on Equity (ROE) | 7.5566% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.6959% | 1,979 |
| Net charge-offs to loans | 0.5312% | 3,657 |
| Credit loss provision to net charge-offs | 119.6333% | 4,484 |
| Earnings coverage of net charge-offs (x) | 3.8850% | 3,154 |
| Efficiency ratio | 64.6503% | 5,653 |
| Assets per employee ($millions) | 3.2634% | 5,580 |
| Cash dividends to net income (ytd only)* | 37.8573% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,534 |
| Loan loss allowance to noncurrent loans | 41.4476% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.1439% | 3,215 |
| Noncurrent loans to loans | 2.8251% | 2,730 |
| Net loans and leases to total assets | 69.3470% | 3,408 |
| Net loans and leases to deposits | 78.4159% | 4,295 |
| Net loans and leases to core deposits | 96.2514% | 4,438 |
| Total domestic deposits to total assets | 88.4349% | 1,757 |
| Equity capital to assets | 10.3110% | 3,390 |
| Core capital (leverage) ratio | 9.2755% | 4,010 |
| Tier 1 risk-based capital ratio | 13.0546% | 4,104 |
| Total risk-based capital ratio | 14.2079% | 4,121 |
| Memoranda: | ||
| Average total assets | $693,352,200 | 992 |
| Average earning assets | $656,479,000 | 949 |
| Average equity | $69,912,000 | 931 |
| Average total loans | $492,815,400 | 981 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9671% | 2,164 |
| Cost of funding earning assets | 2.1135% | 2,831 |
| Net interest margin | 3.8536% | 3,415 |
| Noninterest income to average assets | 0.5088% | 4,413 |
| Noninterest expense to average assets | 2.7541% | 5,089 |
| Loan and lease loss provision to assets | 0.3837% | 4,025 |
| Net operating income to assets | 0.7621% | 2,970 |
| Return on assets (ROA) | 0.7621% | 3,037 |
| Pretax return on assets | 1.0187% | 2,846 |
| Return on Equity (ROE) | 7.6015% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.7192% | 2,645 |
| Net charge-offs to loans | 0.4952% | 3,242 |
| Credit loss provision to net charge-offs | 108.6743% | 4,677 |
| Earnings coverage of net charge-offs (x) | 3.9716% | 3,314 |
| Efficiency ratio | 65.6192% | 5,439 |
| Assets per employee ($millions) | 3.4185% | 5,128 |
| Cash dividends to net income (ytd only)* | 37.9171% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,815 |
| Loan loss allowance to noncurrent loans | 37.6197% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 3,125 |
| Noncurrent loans to loans | 2.8836% | 2,640 |
| Net loans and leases to total assets | 69.3632% | 3,642 |
| Net loans and leases to deposits | 78.2217% | 4,711 |
| Net loans and leases to core deposits | 95.4731% | 4,870 |
| Total domestic deposits to total assets | 88.6752% | 1,350 |
| Equity capital to assets | 10.0361% | 4,045 |
| Core capital (leverage) ratio | 9.1425% | 4,428 |
| Tier 1 risk-based capital ratio | 12.7355% | 4,362 |
| Total risk-based capital ratio | 13.8073% | 4,450 |
| Memoranda: | ||
| Average total assets | $692,100,500 | 1,000 |
| Average earning assets | $655,131,250 | 957 |
| Average equity | $69,388,000 | 953 |
| Average total loans | $493,512,000 | 995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0553% | 1,962 |
| Cost of funding earning assets | 2.2494% | 2,580 |
| Net interest margin | 3.8059% | 3,532 |
| Noninterest income to average assets | 0.4816% | 4,615 |
| Noninterest expense to average assets | 2.7788% | 5,050 |
| Loan and lease loss provision to assets | 0.3348% | 3,931 |
| Net operating income to assets | 0.7127% | 3,201 |
| Return on assets (ROA) | 0.7127% | 3,307 |
| Pretax return on assets | 0.9611% | 3,141 |
| Return on Equity (ROE) | 7.1117% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.2066% | 2,961 |
| Net charge-offs to loans | 0.4701% | 2,949 |
| Credit loss provision to net charge-offs | 99.3092% | 4,637 |
| Earnings coverage of net charge-offs (x) | 3.8437% | 3,295 |
| Efficiency ratio | 67.5384% | 5,247 |
| Assets per employee ($millions) | 3.3380% | 5,218 |
| Cash dividends to net income (ytd only)* | 40.8497% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,862 |
| Loan loss allowance to noncurrent loans | 37.7643% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 2.0796% | 3,086 |
| Noncurrent loans to loans | 2.7987% | 2,578 |
| Net loans and leases to total assets | 70.3296% | 3,618 |
| Net loans and leases to deposits | 79.3896% | 4,642 |
| Net loans and leases to core deposits | 97.8451% | 4,718 |
| Total domestic deposits to total assets | 88.5879% | 1,484 |
| Equity capital to assets | 10.0288% | 3,900 |
| Core capital (leverage) ratio | 9.1381% | 4,405 |
| Tier 1 risk-based capital ratio | 12.6287% | 4,415 |
| Total risk-based capital ratio | 13.6741% | 4,504 |
| Memoranda: | ||
| Average total assets | $686,923,000 | 1,027 |
| Average earning assets | $648,527,000 | 985 |
| Average equity | $68,844,330 | 970 |
| Average total loans | $492,609,330 | 1,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0646% | 2,096 |
| Cost of funding earning assets | 2.3892% | 2,337 |
| Net interest margin | 3.6753% | 3,993 |
| Noninterest income to average assets | 0.5105% | 4,226 |
| Noninterest expense to average assets | 2.7130% | 4,936 |
| Loan and lease loss provision to assets | 0.2488% | 3,980 |
| Net operating income to assets | 0.7599% | 3,298 |
| Return on assets (ROA) | 0.7599% | 3,473 |
| Pretax return on assets | 1.0187% | 3,276 |
| Return on Equity (ROE) | 7.5849% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.6632% | 3,330 |
| Net charge-offs to loans | 0.4397% | 2,355 |
| Credit loss provision to net charge-offs | 78.5582% | 4,214 |
| Earnings coverage of net charge-offs (x) | 4.0018% | 3,005 |
| Efficiency ratio | 67.4805% | 5,052 |
| Assets per employee ($millions) | 3.3799% | 5,124 |
| Cash dividends to net income (ytd only)* | 38.5208% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 5,867 |
| Loan loss allowance to noncurrent loans | 40.9229% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 3,134 |
| Noncurrent loans to loans | 2.5411% | 2,594 |
| Net loans and leases to total assets | 69.8159% | 3,718 |
| Net loans and leases to deposits | 78.5844% | 4,836 |
| Net loans and leases to core deposits | 97.8651% | 4,759 |
| Total domestic deposits to total assets | 88.8420% | 1,309 |
| Equity capital to assets | 9.9096% | 4,106 |
| Core capital (leverage) ratio | 9.1854% | 4,430 |
| Tier 1 risk-based capital ratio | 12.7045% | 4,391 |
| Total risk-based capital ratio | 13.7459% | 4,470 |
| Memoranda: | ||
| Average total assets | $683,234,000 | 1,030 |
| Average earning assets | $645,060,000 | 997 |
| Average equity | $68,451,500 | 983 |
| Average total loans | $492,156,500 | 1,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6988% | 2,029 |
| Cost of funding earning assets | 2.8586% | 2,447 |
| Net interest margin | 3.8402% | 3,836 |
| Noninterest income to average assets | 0.6755% | 3,291 |
| Noninterest expense to average assets | 2.8661% | 4,549 |
| Loan and lease loss provision to assets | 0.2583% | 4,334 |
| Net operating income to assets | 0.8582% | 3,188 |
| Return on assets (ROA) | 0.8582% | 3,032 |
| Pretax return on assets | 1.1468% | 2,846 |
| Return on Equity (ROE) | 8.6329% | 2,782 |
| Retained earnings to average equity (ytd only) | 6.2156% | 1,424 |
| Net charge-offs to loans | 0.2759% | 3,557 |
| Credit loss provision to net charge-offs | 131.6998% | 4,044 |
| Earnings coverage of net charge-offs (x) | 7.1639% | 3,171 |
| Efficiency ratio | 65.8861% | 5,148 |
| Assets per employee ($millions) | 3.0099% | 6,037 |
| Cash dividends to net income (ytd only)* | 28.0014% | 4,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 5,355 |
| Loan loss allowance to noncurrent loans | 72.5034% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 4,037 |
| Noncurrent loans to loans | 1.5022% | 3,542 |
| Net loans and leases to total assets | 70.1358% | 3,981 |
| Net loans and leases to deposits | 78.4656% | 5,275 |
| Net loans and leases to core deposits | 101.0752% | 4,715 |
| Total domestic deposits to total assets | 89.3841% | 884 |
| Equity capital to assets | 10.0301% | 3,999 |
| Core capital (leverage) ratio | 8.5051% | 5,573 |
| Tier 1 risk-based capital ratio | 13.3264% | 3,914 |
| Total risk-based capital ratio | 14.5658% | 3,824 |
| Memoranda: | ||
| Average total assets | $332,920,800 | 2,008 |
| Average earning assets | $311,728,400 | 1,954 |
| Average equity | $33,094,400 | 2,045 |
| Average total loans | $236,710,200 | 1,995 |