Home > Thomasville National Bank > Performance and Condition Ratios
Thomasville 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 | 5.9732% | 660 |
| Cost of funding earning assets | 1.9939% | 928 |
| Net interest margin | 3.9793% | 1,241 |
| Noninterest income to average assets | 1.1800% | 507 |
| Noninterest expense to average assets | 2.1276% | 3,329 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 2.1212% | 386 |
| Return on assets (ROA) | 2.1212% | 378 |
| Pretax return on assets | 2.7275% | 272 |
| Return on Equity (ROE) | 23.3800% | 384 |
| Retained earnings to average equity (ytd only) | 13.0713% | 494 |
| Net charge-offs to loans | 0.0031% | 2,671 |
| Credit loss provision to net charge-offs | 4,878.0488% | 113 |
| Earnings coverage of net charge-offs (x) | 1,113.2927% | 141 |
| Efficiency ratio | 42.4408% | 4,305 |
| Assets per employee ($millions) | 11.6768% | 448 |
| Cash dividends to net income (ytd only)* | 44.1037% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 298 |
| Loan loss allowance to noncurrent loans | 3,887.5635% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,278 |
| Noncurrent loans to loans | 0.0556% | 3,325 |
| Net loans and leases to total assets | 84.2700% | 252 |
| Net loans and leases to deposits | 97.3641% | 691 |
| Net loans and leases to core deposits | 122.1170% | 568 |
| Total domestic deposits to total assets | 86.5500% | 1,836 |
| Equity capital to assets | 9.1439% | 2,579 |
| Core capital (leverage) ratio | 9.0525% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7606% | 2,634 |
| Memoranda: | ||
| Average total assets | $1,581,859,400 | 689 |
| Average earning assets | $1,522,108,400 | 661 |
| Average equity | $143,489,600 | 697 |
| Average total loans | $1,340,382,000 | 569 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7951% | 694 |
| Cost of funding earning assets | 1.7983% | 1,007 |
| Net interest margin | 3.9968% | 1,221 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.0937% | 3,370 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.2279% | 362 |
| Return on assets (ROA) | 2.2279% | 352 |
| Pretax return on assets | 2.8455% | 266 |
| Return on Equity (ROE) | 24.6100% | 402 |
| Retained earnings to average equity (ytd only) | 17.2602% | 376 |
| Net charge-offs to loans | -0.0038% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.7422% | 4,313 |
| Assets per employee ($millions) | 11.5028% | 432 |
| Cash dividends to net income (ytd only)* | 29.8742% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 310 |
| Loan loss allowance to noncurrent loans | 3,173.9550% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,229 |
| Noncurrent loans to loans | 0.0684% | 3,272 |
| Net loans and leases to total assets | 84.7400% | 229 |
| Net loans and leases to deposits | 98.6298% | 575 |
| Net loans and leases to core deposits | 123.9092% | 460 |
| Total domestic deposits to total assets | 85.9100% | 2,227 |
| Equity capital to assets | 9.4848% | 2,108 |
| Core capital (leverage) ratio | 9.3998% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0021% | 2,610 |
| Memoranda: | ||
| Average total assets | $1,565,717,000 | 696 |
| Average earning assets | $1,506,315,500 | 667 |
| Average equity | $141,725,000 | 694 |
| Average total loans | $1,320,969,250 | 575 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6132% | 717 |
| Cost of funding earning assets | 1.5959% | 1,079 |
| Net interest margin | 4.0173% | 1,211 |
| Noninterest income to average assets | 1.1600% | 466 |
| Noninterest expense to average assets | 2.0481% | 3,465 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.2651% | 320 |
| Return on assets (ROA) | 2.2651% | 312 |
| Pretax return on assets | 2.8998% | 226 |
| Return on Equity (ROE) | 25.4300% | 360 |
| Retained earnings to average equity (ytd only) | 23.2767% | 160 |
| Net charge-offs to loans | -0.0063% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.7607% | 4,370 |
| Assets per employee ($millions) | 11.5325% | 433 |
| Cash dividends to net income (ytd only)* | 8.4774% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1951% | 309 |
| Loan loss allowance to noncurrent loans | 3,753.6492% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,282 |
| Noncurrent loans to loans | 0.0585% | 3,279 |
| Net loans and leases to total assets | 82.6800% | 354 |
| Net loans and leases to deposits | 97.7509% | 628 |
| Net loans and leases to core deposits | 122.0770% | 470 |
| Total domestic deposits to total assets | 84.5800% | 2,668 |
| Equity capital to assets | 9.3076% | 2,307 |
| Core capital (leverage) ratio | 9.2804% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1504% | 2,588 |
| Memoranda: | ||
| Average total assets | $1,562,329,000 | 685 |
| Average earning assets | $1,502,593,000 | 656 |
| Average equity | $139,143,667 | 705 |
| Average total loans | $1,306,311,667 | 565 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 707 |
| Cost of funding earning assets | 1.3978% | 1,028 |
| Net interest margin | 4.0082% | 1,246 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 2.0096% | 3,610 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.2784% | 332 |
| Return on assets (ROA) | 2.2784% | 331 |
| Pretax return on assets | 2.9312% | 213 |
| Return on Equity (ROE) | 26.1800% | 355 |
| Retained earnings to average equity (ytd only) | 26.1829% | 156 |
| Net charge-offs to loans | -0.0009% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.2548% | 4,443 |
| Assets per employee ($millions) | 11.8886% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 327 |
| Loan loss allowance to noncurrent loans | 3,646.2121% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,281 |
| Noncurrent loans to loans | 0.0602% | 3,306 |
| Net loans and leases to total assets | 82.0600% | 371 |
| Net loans and leases to deposits | 97.1522% | 586 |
| Net loans and leases to core deposits | 118.5955% | 476 |
| Total domestic deposits to total assets | 84.4700% | 2,980 |
| Equity capital to assets | 8.9130% | 2,582 |
| Core capital (leverage) ratio | 8.9320% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5907% | 2,834 |
| Memoranda: | ||
| Average total assets | $1,553,518,500 | 702 |
| Average earning assets | $1,494,954,000 | 668 |
| Average equity | $135,187,500 | 728 |
| Average total loans | $1,291,696,500 | 580 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 1,513 |
| Cost of funding earning assets | 0.4361% | 1,817 |
| Net interest margin | 3.6461% | 1,501 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 2.1089% | 3,264 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 1.8307% | 408 |
| Return on assets (ROA) | 1.6905% | 521 |
| Pretax return on assets | 2.1572% | 345 |
| Return on Equity (ROE) | 20.6400% | 414 |
| Retained earnings to average equity (ytd only) | 11.7005% | 733 |
| Net charge-offs to loans | 0.0099% | 2,001 |
| Credit loss provision to net charge-offs | 5,924.3697% | 119 |
| Earnings coverage of net charge-offs (x) | 359.0588% | 425 |
| Efficiency ratio | 42.9967% | 4,463 |
| Assets per employee ($millions) | 11.3901% | 460 |
| Cash dividends to net income (ytd only)* | 43.3095% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5601% | 201 |
| Loan loss allowance to noncurrent loans | 3,993.7192% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,273 |
| Noncurrent loans to loans | 0.0641% | 3,284 |
| Net loans and leases to total assets | 80.2700% | 565 |
| Net loans and leases to deposits | 92.8739% | 858 |
| Net loans and leases to core deposits | 99.7216% | 1,019 |
| Total domestic deposits to total assets | 86.4300% | 2,595 |
| Equity capital to assets | 8.4818% | 2,719 |
| Core capital (leverage) ratio | 8.3281% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6639% | 2,820 |
| Memoranda: | ||
| Average total assets | $1,528,204,000 | 689 |
| Average earning assets | $1,477,049,000 | 667 |
| Average equity | $125,174,400 | 786 |
| Average total loans | $1,197,831,400 | 582 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 2,012 |
| Cost of funding earning assets | 0.3073% | 2,088 |
| Net interest margin | 3.4038% | 1,964 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.2765% | 2,698 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.7103% | 519 |
| Return on assets (ROA) | 1.7103% | 506 |
| Pretax return on assets | 2.2000% | 320 |
| Return on Equity (ROE) | 21.0700% | 349 |
| Retained earnings to average equity (ytd only) | 15.2197% | 343 |
| Net charge-offs to loans | -0.0002% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.9770% | 4,164 |
| Assets per employee ($millions) | 11.5446% | 441 |
| Cash dividends to net income (ytd only)* | 27.7627% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 386 |
| Loan loss allowance to noncurrent loans | 3,505.8433% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,415 |
| Noncurrent loans to loans | 0.0609% | 3,444 |
| Net loans and leases to total assets | 77.6800% | 734 |
| Net loans and leases to deposits | 88.8357% | 976 |
| Net loans and leases to core deposits | 91.4652% | 1,209 |
| Total domestic deposits to total assets | 87.4400% | 2,616 |
| Equity capital to assets | 8.3291% | 2,656 |
| Core capital (leverage) ratio | 8.2958% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8550% | 2,859 |
| Memoranda: | ||
| Average total assets | $1,525,840,500 | 696 |
| Average earning assets | $1,476,596,750 | 669 |
| Average equity | $123,862,750 | 802 |
| Average total loans | $1,180,606,000 | 587 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 2,518 |
| Cost of funding earning assets | 0.2480% | 2,299 |
| Net interest margin | 3.1221% | 2,467 |
| Noninterest income to average assets | 1.3161% | 412 |
| Noninterest expense to average assets | 2.0440% | 3,310 |
| Loan and lease loss provision to assets | 0.0924% | 1,074 |
| Net operating income to assets | 1.7098% | 418 |
| Return on assets (ROA) | 1.7098% | 411 |
| Pretax return on assets | 2.2044% | 245 |
| Return on Equity (ROE) | 21.2521% | 228 |
| Retained earnings to average equity (ytd only) | 21.2521% | 57 |
| Net charge-offs to loans | -0.0003% | 2,972 |
| Credit loss provision to net charge-offs | -35,000.0000% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0880% | 4,392 |
| Assets per employee ($millions) | 11.3925% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1692% | 401 |
| Loan loss allowance to noncurrent loans | 2,450.8887% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,301 |
| Noncurrent loans to loans | 0.0885% | 3,332 |
| Net loans and leases to total assets | 74.6187% | 849 |
| Net loans and leases to deposits | 84.1119% | 1,111 |
| Net loans and leases to core deposits | 86.4402% | 1,311 |
| Total domestic deposits to total assets | 88.7137% | 2,292 |
| Equity capital to assets | 8.0549% | 3,080 |
| Core capital (leverage) ratio | 8.2353% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2067% | 2,749 |
| Memoranda: | ||
| Average total assets | $1,514,947,667 | 691 |
| Average earning assets | $1,467,740,333 | 672 |
| Average equity | $121,880,000 | 827 |
| Average total loans | $1,161,781,333 | 582 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 2,581 |
| Cost of funding earning assets | 0.2325% | 2,355 |
| Net interest margin | 3.0029% | 2,494 |
| Noninterest income to average assets | 1.3583% | 404 |
| Noninterest expense to average assets | 2.0721% | 3,247 |
| Loan and lease loss provision to assets | 0.0946% | 872 |
| Net operating income to assets | 1.6144% | 489 |
| Return on assets (ROA) | 1.6144% | 488 |
| Pretax return on assets | 2.1015% | 300 |
| Return on Equity (ROE) | 20.0801% | 228 |
| Retained earnings to average equity (ytd only) | 20.0801% | 94 |
| Net charge-offs to loans | 0.0004% | 1,834 |
| Credit loss provision to net charge-offs | 35,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 8,129.0000% | 3 |
| Efficiency ratio | 48.5474% | 4,379 |
| Assets per employee ($millions) | 10.4138% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 405 |
| Loan loss allowance to noncurrent loans | 2,415.6075% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,355 |
| Noncurrent loans to loans | 0.0931% | 3,375 |
| Net loans and leases to total assets | 74.9507% | 583 |
| Net loans and leases to deposits | 84.8768% | 817 |
| Net loans and leases to core deposits | 87.4441% | 1,053 |
| Total domestic deposits to total assets | 88.3053% | 2,387 |
| Equity capital to assets | 8.0931% | 3,497 |
| Core capital (leverage) ratio | 8.1466% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0232% | 2,886 |
| Memoranda: | ||
| Average total assets | $1,480,645,000 | 706 |
| Average earning assets | $1,434,725,000 | 683 |
| Average equity | $119,043,000 | 867 |
| Average total loans | $1,138,758,500 | 585 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 2,618 |
| Cost of funding earning assets | 0.2875% | 2,530 |
| Net interest margin | 3.2268% | 2,533 |
| Noninterest income to average assets | 1.3975% | 563 |
| Noninterest expense to average assets | 2.1247% | 3,324 |
| Loan and lease loss provision to assets | 0.2238% | 449 |
| Net operating income to assets | 1.7110% | 617 |
| Return on assets (ROA) | 1.7110% | 640 |
| Pretax return on assets | 2.1884% | 425 |
| Return on Equity (ROE) | 20.7018% | 276 |
| Retained earnings to average equity (ytd only) | 12.4563% | 478 |
| Net charge-offs to loans | -0.0007% | 3,257 |
| Credit loss provision to net charge-offs | -37,812.5000% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8314% | 4,463 |
| Assets per employee ($millions) | 10.5921% | 568 |
| Cash dividends to net income (ytd only)* | 39.8296% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2610% | 410 |
| Loan loss allowance to noncurrent loans | 3,733.2357% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,665 |
| Noncurrent loans to loans | 0.0606% | 3,646 |
| Net loans and leases to total assets | 75.4066% | 554 |
| Net loans and leases to deposits | 85.0809% | 848 |
| Net loans and leases to core deposits | 87.7723% | 1,088 |
| Total domestic deposits to total assets | 88.6293% | 1,712 |
| Equity capital to assets | 7.9854% | 4,371 |
| Core capital (leverage) ratio | 7.8544% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8601% | 2,920 |
| Memoranda: | ||
| Average total assets | $1,351,609,600 | 740 |
| Average earning assets | $1,314,964,400 | 706 |
| Average equity | $111,710,200 | 927 |
| Average total loans | $1,079,266,400 | 612 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 2,773 |
| Cost of funding earning assets | 0.3003% | 2,592 |
| Net interest margin | 3.2170% | 2,678 |
| Noninterest income to average assets | 1.4086% | 604 |
| Noninterest expense to average assets | 2.1290% | 3,281 |
| Loan and lease loss provision to assets | 0.1913% | 549 |
| Net operating income to assets | 1.7324% | 769 |
| Return on assets (ROA) | 1.7324% | 803 |
| Pretax return on assets | 2.2195% | 525 |
| Return on Equity (ROE) | 20.7666% | 373 |
| Retained earnings to average equity (ytd only) | 14.6057% | 447 |
| Net charge-offs to loans | -0.0011% | 3,131 |
| Credit loss provision to net charge-offs | -21,111.1111% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8959% | 4,453 |
| Assets per employee ($millions) | 10.4270% | 567 |
| Cash dividends to net income (ytd only)* | 29.6675% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1912% | 462 |
| Loan loss allowance to noncurrent loans | 1,926.7194% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,504 |
| Noncurrent loans to loans | 0.1137% | 3,521 |
| Net loans and leases to total assets | 76.7196% | 490 |
| Net loans and leases to deposits | 87.0687% | 764 |
| Net loans and leases to core deposits | 90.1486% | 1,024 |
| Total domestic deposits to total assets | 88.1138% | 1,768 |
| Equity capital to assets | 8.1331% | 4,449 |
| Core capital (leverage) ratio | 7.9409% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8371% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,324,084,500 | 762 |
| Average earning assets | $1,288,776,250 | 728 |
| Average equity | $110,456,750 | 953 |
| Average total loans | $1,067,152,000 | 630 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 2,819 |
| Cost of funding earning assets | 0.3166% | 2,627 |
| Net interest margin | 3.2110% | 2,721 |
| Noninterest income to average assets | 1.3908% | 613 |
| Noninterest expense to average assets | 2.1231% | 3,325 |
| Loan and lease loss provision to assets | 0.1547% | 760 |
| Net operating income to assets | 1.7459% | 804 |
| Return on assets (ROA) | 1.7459% | 851 |
| Pretax return on assets | 2.2369% | 540 |
| Return on Equity (ROE) | 20.7385% | 405 |
| Retained earnings to average equity (ytd only) | 20.7385% | 141 |
| Net charge-offs to loans | 0.0023% | 2,122 |
| Credit loss provision to net charge-offs | 8,333.3333% | 74 |
| Earnings coverage of net charge-offs (x) | 1,288.2500% | 98 |
| Efficiency ratio | 47.0256% | 4,462 |
| Assets per employee ($millions) | 10.5034% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 458 |
| Loan loss allowance to noncurrent loans | 1,621.9225% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 3,532 |
| Noncurrent loans to loans | 0.1334% | 3,522 |
| Net loans and leases to total assets | 75.9351% | 595 |
| Net loans and leases to deposits | 86.4569% | 888 |
| Net loans and leases to core deposits | 89.4704% | 1,176 |
| Total domestic deposits to total assets | 87.8300% | 1,923 |
| Equity capital to assets | 8.1964% | 4,433 |
| Core capital (leverage) ratio | 8.2870% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4697% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,292,756,667 | 779 |
| Average earning assets | $1,257,685,333 | 741 |
| Average equity | $108,831,333 | 954 |
| Average total loans | $1,052,099,667 | 641 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 2,945 |
| Cost of funding earning assets | 0.3429% | 2,587 |
| Net interest margin | 3.1502% | 2,845 |
| Noninterest income to average assets | 1.4212% | 662 |
| Noninterest expense to average assets | 2.1127% | 3,387 |
| Loan and lease loss provision to assets | 0.0967% | 1,391 |
| Net operating income to assets | 1.7629% | 839 |
| Return on assets (ROA) | 1.7629% | 892 |
| Pretax return on assets | 2.2740% | 616 |
| Return on Equity (ROE) | 20.6344% | 494 |
| Retained earnings to average equity (ytd only) | 20.6344% | 249 |
| Net charge-offs to loans | 0.0042% | 1,765 |
| Credit loss provision to net charge-offs | 2,727.2727% | 197 |
| Earnings coverage of net charge-offs (x) | 668.4545% | 146 |
| Efficiency ratio | 47.1235% | 4,397 |
| Assets per employee ($millions) | 9.5801% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 451 |
| Loan loss allowance to noncurrent loans | 1,592.3023% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,605 |
| Noncurrent loans to loans | 0.1357% | 3,634 |
| Net loans and leases to total assets | 82.0886% | 223 |
| Net loans and leases to deposits | 94.8788% | 445 |
| Net loans and leases to core deposits | 98.9983% | 762 |
| Total domestic deposits to total assets | 86.5194% | 2,518 |
| Equity capital to assets | 8.6641% | 3,985 |
| Core capital (leverage) ratio | 8.4717% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2423% | 2,885 |
| Memoranda: | ||
| Average total assets | $1,240,660,000 | 797 |
| Average earning assets | $1,206,027,000 | 764 |
| Average equity | $105,997,500 | 966 |
| Average total loans | $1,036,035,500 | 653 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 1,981 |
| Cost of funding earning assets | 0.5728% | 2,493 |
| Net interest margin | 3.6868% | 1,850 |
| Noninterest income to average assets | 1.3790% | 612 |
| Noninterest expense to average assets | 2.2730% | 3,482 |
| Loan and lease loss provision to assets | 0.4344% | 660 |
| Net operating income to assets | 1.7768% | 409 |
| Return on assets (ROA) | 1.7768% | 441 |
| Pretax return on assets | 2.2511% | 277 |
| Return on Equity (ROE) | 19.4694% | 260 |
| Retained earnings to average equity (ytd only) | 10.8921% | 447 |
| Net charge-offs to loans | 0.0073% | 3,076 |
| Credit loss provision to net charge-offs | 6,982.3529% | 155 |
| Earnings coverage of net charge-offs (x) | 431.6618% | 261 |
| Efficiency ratio | 45.8402% | 4,722 |
| Assets per employee ($millions) | 9.5807% | 607 |
| Cash dividends to net income (ytd only)* | 44.0554% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2043% | 404 |
| Loan loss allowance to noncurrent loans | 1,373.1051% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 3,619 |
| Noncurrent loans to loans | 0.1605% | 3,634 |
| Net loans and leases to total assets | 81.2709% | 345 |
| Net loans and leases to deposits | 93.8416% | 666 |
| Net loans and leases to core deposits | 99.4225% | 930 |
| Total domestic deposits to total assets | 86.6044% | 2,110 |
| Equity capital to assets | 8.4204% | 4,499 |
| Core capital (leverage) ratio | 8.1852% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9382% | 2,942 |
| Memoranda: | ||
| Average total assets | $1,093,002,400 | 811 |
| Average earning assets | $1,061,187,800 | 777 |
| Average equity | $99,751,200 | 961 |
| Average total loans | $927,372,000 | 693 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 1,893 |
| Cost of funding earning assets | 0.6238% | 2,468 |
| Net interest margin | 3.7599% | 1,734 |
| Noninterest income to average assets | 1.3947% | 572 |
| Noninterest expense to average assets | 2.3062% | 3,405 |
| Loan and lease loss provision to assets | 0.4112% | 838 |
| Net operating income to assets | 1.8230% | 429 |
| Return on assets (ROA) | 1.8230% | 479 |
| Pretax return on assets | 2.3262% | 266 |
| Return on Equity (ROE) | 19.5383% | 256 |
| Retained earnings to average equity (ytd only) | 15.2433% | 187 |
| Net charge-offs to loans | 0.0043% | 3,004 |
| Credit loss provision to net charge-offs | 11,268.9655% | 109 |
| Earnings coverage of net charge-offs (x) | 750.2069% | 161 |
| Efficiency ratio | 45.7253% | 4,729 |
| Assets per employee ($millions) | 9.3407% | 629 |
| Cash dividends to net income (ytd only)* | 21.9822% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 431 |
| Loan loss allowance to noncurrent loans | 746.8206% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 3,231 |
| Noncurrent loans to loans | 0.2792% | 3,291 |
| Net loans and leases to total assets | 84.5638% | 236 |
| Net loans and leases to deposits | 98.7818% | 583 |
| Net loans and leases to core deposits | 107.4066% | 790 |
| Total domestic deposits to total assets | 85.6066% | 2,217 |
| Equity capital to assets | 8.8825% | 4,194 |
| Core capital (leverage) ratio | 8.7554% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7127% | 2,720 |
| Memoranda: | ||
| Average total assets | $1,059,669,750 | 817 |
| Average earning assets | $1,028,361,250 | 787 |
| Average equity | $98,873,500 | 964 |
| Average total loans | $904,436,000 | 704 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 2,301 |
| Cost of funding earning assets | 0.7132% | 2,314 |
| Net interest margin | 3.6519% | 2,311 |
| Noninterest income to average assets | 1.4004% | 538 |
| Noninterest expense to average assets | 2.3415% | 3,424 |
| Loan and lease loss provision to assets | 0.2173% | 1,920 |
| Net operating income to assets | 1.8593% | 442 |
| Return on assets (ROA) | 1.8593% | 487 |
| Pretax return on assets | 2.3820% | 259 |
| Return on Equity (ROE) | 19.5700% | 262 |
| Retained earnings to average equity (ytd only) | 19.5700% | 95 |
| Net charge-offs to loans | 0.0046% | 2,814 |
| Credit loss provision to net charge-offs | 5,560.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 665.2000% | 149 |
| Efficiency ratio | 47.3921% | 4,665 |
| Assets per employee ($millions) | 8.7666% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 443 |
| Loan loss allowance to noncurrent loans | 811.5219% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,495 |
| Noncurrent loans to loans | 0.2451% | 3,500 |
| Net loans and leases to total assets | 83.5392% | 288 |
| Net loans and leases to deposits | 98.6813% | 620 |
| Net loans and leases to core deposits | 110.3680% | 726 |
| Total domestic deposits to total assets | 84.6556% | 2,516 |
| Equity capital to assets | 9.1566% | 3,961 |
| Core capital (leverage) ratio | 9.0037% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9958% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,023,698,667 | 830 |
| Average earning assets | $992,421,333 | 793 |
| Average equity | $97,261,000 | 969 |
| Average total loans | $869,789,667 | 720 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,688 |
| Cost of funding earning assets | 0.9052% | 1,832 |
| Net interest margin | 3.8011% | 1,970 |
| Noninterest income to average assets | 1.4829% | 405 |
| Noninterest expense to average assets | 2.4686% | 3,364 |
| Loan and lease loss provision to assets | 0.1226% | 2,165 |
| Net operating income to assets | 1.9839% | 276 |
| Return on assets (ROA) | 1.9839% | 304 |
| Pretax return on assets | 2.5724% | 146 |
| Return on Equity (ROE) | 20.4597% | 147 |
| Retained earnings to average equity (ytd only) | 20.4597% | 59 |
| Net charge-offs to loans | -0.0043% | 3,818 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8079% | 4,767 |
| Assets per employee ($millions) | 8.3525% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1260% | 417 |
| Loan loss allowance to noncurrent loans | 1,020.5302% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 3,784 |
| Noncurrent loans to loans | 0.2083% | 3,733 |
| Net loans and leases to total assets | 83.1096% | 346 |
| Net loans and leases to deposits | 100.1337% | 551 |
| Net loans and leases to core deposits | 109.0333% | 901 |
| Total domestic deposits to total assets | 82.9987% | 3,113 |
| Equity capital to assets | 9.7165% | 4,027 |
| Core capital (leverage) ratio | 9.5692% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6025% | 2,885 |
| Memoranda: | ||
| Average total assets | $978,867,500 | 840 |
| Average earning assets | $947,820,000 | 796 |
| Average equity | $94,918,500 | 980 |
| Average total loans | $830,200,000 | 724 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0591% | 1,316 |
| Cost of funding earning assets | 1.2539% | 879 |
| Net interest margin | 3.8053% | 2,488 |
| Noninterest income to average assets | 1.4603% | 435 |
| Noninterest expense to average assets | 2.3741% | 3,752 |
| Loan and lease loss provision to assets | 0.2337% | 815 |
| Net operating income to assets | 1.9993% | 353 |
| Return on assets (ROA) | 1.9993% | 366 |
| Pretax return on assets | 2.5379% | 196 |
| Return on Equity (ROE) | 21.2288% | 155 |
| Retained earnings to average equity (ytd only) | 12.3145% | 220 |
| Net charge-offs to loans | 0.0171% | 3,103 |
| Credit loss provision to net charge-offs | 1,679.3893% | 221 |
| Earnings coverage of net charge-offs (x) | 199.1374% | 401 |
| Efficiency ratio | 46.1380% | 4,908 |
| Assets per employee ($millions) | 8.1661% | 671 |
| Cash dividends to net income (ytd only)* | 41.9917% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 331 |
| Loan loss allowance to noncurrent loans | 580.2284% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 3,135 |
| Noncurrent loans to loans | 0.3787% | 3,079 |
| Net loans and leases to total assets | 82.8433% | 445 |
| Net loans and leases to deposits | 96.6717% | 873 |
| Net loans and leases to core deposits | 105.3606% | 1,148 |
| Total domestic deposits to total assets | 85.6955% | 2,196 |
| Equity capital to assets | 9.6761% | 4,200 |
| Core capital (leverage) ratio | 9.0346% | 4,507 |
| Tier 1 risk-based capital ratio | 11.3071% | 4,731 |
| Total risk-based capital ratio | 12.5697% | 4,612 |
| Memoranda: | ||
| Average total assets | $941,222,000 | 829 |
| Average earning assets | $911,577,800 | 793 |
| Average equity | $88,643,800 | 994 |
| Average total loans | $766,653,800 | 740 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0591% | 1,392 |
| Cost of funding earning assets | 1.2992% | 786 |
| Net interest margin | 3.7599% | 2,719 |
| Noninterest income to average assets | 1.4404% | 438 |
| Noninterest expense to average assets | 2.3571% | 3,805 |
| Loan and lease loss provision to assets | 0.1280% | 1,517 |
| Net operating income to assets | 2.0338% | 375 |
| Return on assets (ROA) | 2.0338% | 387 |
| Pretax return on assets | 2.5950% | 208 |
| Return on Equity (ROE) | 21.7467% | 175 |
| Retained earnings to average equity (ytd only) | 16.5012% | 95 |
| Net charge-offs to loans | 0.0164% | 2,819 |
| Credit loss provision to net charge-offs | 967.7419% | 368 |
| Earnings coverage of net charge-offs (x) | 205.9089% | 435 |
| Efficiency ratio | 46.3991% | 4,919 |
| Assets per employee ($millions) | 8.1530% | 654 |
| Cash dividends to net income (ytd only)* | 24.1208% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 412 |
| Loan loss allowance to noncurrent loans | 321.5648% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,395 |
| Noncurrent loans to loans | 0.6413% | 2,365 |
| Net loans and leases to total assets | 82.2615% | 538 |
| Net loans and leases to deposits | 94.8345% | 1,146 |
| Net loans and leases to core deposits | 102.9164% | 1,416 |
| Total domestic deposits to total assets | 86.7422% | 1,656 |
| Equity capital to assets | 9.6926% | 4,298 |
| Core capital (leverage) ratio | 9.1950% | 4,479 |
| Tier 1 risk-based capital ratio | 11.4292% | 4,705 |
| Total risk-based capital ratio | 12.6900% | 4,599 |
| Memoranda: | ||
| Average total assets | $937,668,500 | 838 |
| Average earning assets | $907,699,250 | 794 |
| Average equity | $87,692,500 | 1,003 |
| Average total loans | $755,992,500 | 757 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 1,484 |
| Cost of funding earning assets | 1.3055% | 728 |
| Net interest margin | 3.6968% | 2,939 |
| Noninterest income to average assets | 1.4187% | 436 |
| Noninterest expense to average assets | 2.3528% | 3,864 |
| Loan and lease loss provision to assets | 0.1073% | 1,750 |
| Net operating income to assets | 1.9799% | 400 |
| Return on assets (ROA) | 1.9799% | 421 |
| Pretax return on assets | 2.5339% | 227 |
| Return on Equity (ROE) | 21.4369% | 188 |
| Retained earnings to average equity (ytd only) | 21.4369% | 47 |
| Net charge-offs to loans | 0.0265% | 2,324 |
| Credit loss provision to net charge-offs | 510.2041% | 585 |
| Earnings coverage of net charge-offs (x) | 125.6224% | 582 |
| Efficiency ratio | 47.1132% | 4,934 |
| Assets per employee ($millions) | 8.0124% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1327% | 371 |
| Loan loss allowance to noncurrent loans | 282.3581% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,240 |
| Noncurrent loans to loans | 0.7553% | 2,093 |
| Net loans and leases to total assets | 76.9216% | 1,398 |
| Net loans and leases to deposits | 88.8914% | 1,876 |
| Net loans and leases to core deposits | 97.8106% | 1,898 |
| Total domestic deposits to total assets | 86.5344% | 1,803 |
| Equity capital to assets | 9.4503% | 4,449 |
| Core capital (leverage) ratio | 9.0584% | 4,585 |
| Tier 1 risk-based capital ratio | 11.7031% | 4,568 |
| Total risk-based capital ratio | 12.9645% | 4,472 |
| Memoranda: | ||
| Average total assets | $932,257,000 | 835 |
| Average earning assets | $901,593,000 | 793 |
| Average equity | $86,104,000 | 1,015 |
| Average total loans | $740,917,670 | 768 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 1,341 |
| Cost of funding earning assets | 1.2698% | 730 |
| Net interest margin | 3.7280% | 2,791 |
| Noninterest income to average assets | 1.4280% | 422 |
| Noninterest expense to average assets | 2.3743% | 3,836 |
| Loan and lease loss provision to assets | 0.0872% | 1,966 |
| Net operating income to assets | 1.9894% | 393 |
| Return on assets (ROA) | 1.9894% | 409 |
| Pretax return on assets | 2.5727% | 221 |
| Return on Equity (ROE) | 21.8048% | 180 |
| Retained earnings to average equity (ytd only) | 21.8048% | 74 |
| Net charge-offs to loans | 0.0076% | 2,424 |
| Credit loss provision to net charge-offs | 1,428.5714% | 278 |
| Earnings coverage of net charge-offs (x) | 435.8571% | 176 |
| Efficiency ratio | 47.1643% | 4,976 |
| Assets per employee ($millions) | 8.3147% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 375 |
| Loan loss allowance to noncurrent loans | 399.6230% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 2,922 |
| Noncurrent loans to loans | 0.5413% | 2,689 |
| Net loans and leases to total assets | 75.2108% | 1,609 |
| Net loans and leases to deposits | 86.9667% | 2,005 |
| Net loans and leases to core deposits | 96.8110% | 1,870 |
| Total domestic deposits to total assets | 86.4822% | 2,080 |
| Equity capital to assets | 9.0000% | 4,682 |
| Core capital (leverage) ratio | 8.9290% | 4,696 |
| Tier 1 risk-based capital ratio | 11.6163% | 4,680 |
| Total risk-based capital ratio | 12.8786% | 4,551 |
| Memoranda: | ||
| Average total assets | $917,643,500 | 853 |
| Average earning assets | $887,672,000 | 810 |
| Average equity | $83,724,500 | 1,030 |
| Average total loans | $733,523,500 | 775 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 1,557 |
| Cost of funding earning assets | 0.9436% | 952 |
| Net interest margin | 3.8500% | 2,501 |
| Noninterest income to average assets | 1.5139% | 400 |
| Noninterest expense to average assets | 2.4537% | 3,741 |
| Loan and lease loss provision to assets | 0.2126% | 866 |
| Net operating income to assets | 1.9970% | 362 |
| Return on assets (ROA) | 1.9970% | 360 |
| Pretax return on assets | 2.5530% | 188 |
| Return on Equity (ROE) | 21.4650% | 177 |
| Retained earnings to average equity (ytd only) | 11.0517% | 429 |
| Net charge-offs to loans | 0.0257% | 2,896 |
| Credit loss provision to net charge-offs | 978.2609% | 379 |
| Earnings coverage of net charge-offs (x) | 127.2772% | 627 |
| Efficiency ratio | 47.0122% | 5,088 |
| Assets per employee ($millions) | 7.7164% | 735 |
| Cash dividends to net income (ytd only)* | 48.5128% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 372 |
| Loan loss allowance to noncurrent loans | 1,037.2937% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,948 |
| Noncurrent loans to loans | 0.2068% | 3,841 |
| Net loans and leases to total assets | 81.4911% | 734 |
| Net loans and leases to deposits | 95.2135% | 1,152 |
| Net loans and leases to core deposits | 107.2546% | 1,175 |
| Total domestic deposits to total assets | 85.5878% | 2,399 |
| Equity capital to assets | 9.2516% | 4,367 |
| Core capital (leverage) ratio | 8.6063% | 4,954 |
| Tier 1 risk-based capital ratio | 11.3529% | 4,795 |
| Total risk-based capital ratio | 12.6158% | 4,691 |
| Memoranda: | ||
| Average total assets | $846,807,000 | 899 |
| Average earning assets | $814,984,800 | 863 |
| Average equity | $78,784,000 | 1,042 |
| Average total loans | $715,000,600 | 770 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,745 |
| Cost of funding earning assets | 0.8255% | 1,215 |
| Net interest margin | 3.8508% | 2,469 |
| Noninterest income to average assets | 1.5316% | 416 |
| Noninterest expense to average assets | 2.4181% | 3,814 |
| Loan and lease loss provision to assets | 0.0906% | 2,167 |
| Net operating income to assets | 2.1108% | 302 |
| Return on assets (ROA) | 2.1108% | 299 |
| Pretax return on assets | 2.7253% | 159 |
| Return on Equity (ROE) | 22.6545% | 146 |
| Retained earnings to average equity (ytd only) | 15.6564% | 153 |
| Net charge-offs to loans | -0.0098% | 4,385 |
| Credit loss provision to net charge-offs | -1,096.1538% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1999% | 5,138 |
| Assets per employee ($millions) | 7.5027% | 770 |
| Cash dividends to net income (ytd only)* | 30.8903% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 468 |
| Loan loss allowance to noncurrent loans | 852.8969% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,959 |
| Noncurrent loans to loans | 0.2368% | 3,851 |
| Net loans and leases to total assets | 82.0496% | 705 |
| Net loans and leases to deposits | 100.0838% | 777 |
| Net loans and leases to core deposits | 115.9014% | 721 |
| Total domestic deposits to total assets | 81.9809% | 3,615 |
| Equity capital to assets | 9.4005% | 4,176 |
| Core capital (leverage) ratio | 9.4207% | 4,258 |
| Tier 1 risk-based capital ratio | 11.5426% | 4,770 |
| Total risk-based capital ratio | 12.8041% | 4,649 |
| Memoranda: | ||
| Average total assets | $838,592,750 | 903 |
| Average earning assets | $806,283,000 | 870 |
| Average equity | $78,134,250 | 1,044 |
| Average total loans | $710,610,000 | 770 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,837 |
| Cost of funding earning assets | 0.7516% | 1,362 |
| Net interest margin | 3.8295% | 2,459 |
| Noninterest income to average assets | 1.5311% | 411 |
| Noninterest expense to average assets | 2.4007% | 3,899 |
| Loan and lease loss provision to assets | 0.0894% | 2,130 |
| Net operating income to assets | 2.0840% | 319 |
| Return on assets (ROA) | 2.0840% | 314 |
| Pretax return on assets | 2.7183% | 152 |
| Return on Equity (ROE) | 22.4373% | 142 |
| Retained earnings to average equity (ytd only) | 22.4373% | 44 |
| Net charge-offs to loans | 0.0128% | 2,707 |
| Credit loss provision to net charge-offs | 822.2222% | 490 |
| Earnings coverage of net charge-offs (x) | 258.3111% | 347 |
| Efficiency ratio | 46.0928% | 5,206 |
| Assets per employee ($millions) | 7.0981% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 505 |
| Loan loss allowance to noncurrent loans | 878.5018% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 4,017 |
| Noncurrent loans to loans | 0.2297% | 3,893 |
| Net loans and leases to total assets | 82.9317% | 585 |
| Net loans and leases to deposits | 101.2694% | 714 |
| Net loans and leases to core deposits | 113.6377% | 807 |
| Total domestic deposits to total assets | 81.8921% | 3,751 |
| Equity capital to assets | 9.6225% | 3,989 |
| Core capital (leverage) ratio | 9.3100% | 4,352 |
| Tier 1 risk-based capital ratio | 10.9321% | 5,091 |
| Total risk-based capital ratio | 12.1918% | 4,974 |
| Memoranda: | ||
| Average total assets | $828,018,000 | 923 |
| Average earning assets | $795,096,670 | 882 |
| Average equity | $76,907,670 | 1,060 |
| Average total loans | $704,542,330 | 778 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,970 |
| Cost of funding earning assets | 0.6697% | 1,605 |
| Net interest margin | 3.7966% | 2,439 |
| Noninterest income to average assets | 1.5562% | 400 |
| Noninterest expense to average assets | 2.4092% | 3,918 |
| Loan and lease loss provision to assets | 0.0976% | 1,887 |
| Net operating income to assets | 2.0632% | 323 |
| Return on assets (ROA) | 2.0632% | 323 |
| Pretax return on assets | 2.7147% | 152 |
| Return on Equity (ROE) | 22.6332% | 140 |
| Retained earnings to average equity (ytd only) | 22.6332% | 69 |
| Net charge-offs to loans | 0.0257% | 1,987 |
| Credit loss provision to net charge-offs | 444.4444% | 645 |
| Earnings coverage of net charge-offs (x) | 128.0667% | 505 |
| Efficiency ratio | 46.1402% | 5,270 |
| Assets per employee ($millions) | 7.4457% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 511 |
| Loan loss allowance to noncurrent loans | 806.7346% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 4,035 |
| Noncurrent loans to loans | 0.2515% | 3,859 |
| Net loans and leases to total assets | 82.5302% | 598 |
| Net loans and leases to deposits | 96.5109% | 977 |
| Net loans and leases to core deposits | 109.1961% | 1,051 |
| Total domestic deposits to total assets | 85.5138% | 2,744 |
| Equity capital to assets | 9.2139% | 4,348 |
| Core capital (leverage) ratio | 9.0721% | 4,602 |
| Tier 1 risk-based capital ratio | 10.4632% | 5,359 |
| Total risk-based capital ratio | 11.7229% | 5,269 |
| Memoranda: | ||
| Average total assets | $819,689,000 | 938 |
| Average earning assets | $791,347,000 | 890 |
| Average equity | $74,722,000 | 1,100 |
| Average total loans | $699,349,000 | 783 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 2,136 |
| Cost of funding earning assets | 0.5575% | 1,897 |
| Net interest margin | 3.8060% | 2,407 |
| Noninterest income to average assets | 1.5394% | 444 |
| Noninterest expense to average assets | 2.5396% | 3,641 |
| Loan and lease loss provision to assets | 0.0379% | 3,508 |
| Net operating income to assets | 1.5233% | 762 |
| Return on assets (ROA) | 1.5233% | 769 |
| Pretax return on assets | 2.6232% | 151 |
| Return on Equity (ROE) | 16.9377% | 401 |
| Retained earnings to average equity (ytd only) | 7.9479% | 788 |
| Net charge-offs to loans | 0.0363% | 3,064 |
| Credit loss provision to net charge-offs | 120.4819% | 2,166 |
| Earnings coverage of net charge-offs (x) | 84.6265% | 736 |
| Efficiency ratio | 48.8320% | 5,270 |
| Assets per employee ($millions) | 7.1917% | 891 |
| Cash dividends to net income (ytd only)* | 53.0758% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 514 |
| Loan loss allowance to noncurrent loans | 647.9320% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 3,806 |
| Noncurrent loans to loans | 0.3125% | 3,663 |
| Net loans and leases to total assets | 84.6857% | 374 |
| Net loans and leases to deposits | 97.7476% | 921 |
| Net loans and leases to core deposits | 111.1623% | 941 |
| Total domestic deposits to total assets | 86.6372% | 2,177 |
| Equity capital to assets | 9.0144% | 4,703 |
| Core capital (leverage) ratio | 8.4340% | 5,193 |
| Tier 1 risk-based capital ratio | 9.9254% | 5,551 |
| Total risk-based capital ratio | 11.1851% | 5,501 |
| Memoranda: | ||
| Average total assets | $791,859,400 | 941 |
| Average earning assets | $761,749,800 | 902 |
| Average equity | $71,214,000 | 1,119 |
| Average total loans | $686,525,000 | 761 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,259 |
| Cost of funding earning assets | 0.5337% | 1,999 |
| Net interest margin | 3.7658% | 2,518 |
| Noninterest income to average assets | 1.5341% | 460 |
| Noninterest expense to average assets | 2.4640% | 3,844 |
| Loan and lease loss provision to assets | 0.1184% | 1,831 |
| Net operating income to assets | 1.6386% | 647 |
| Return on assets (ROA) | 1.6386% | 671 |
| Pretax return on assets | 2.5717% | 190 |
| Return on Equity (ROE) | 18.2313% | 314 |
| Retained earnings to average equity (ytd only) | 11.5220% | 341 |
| Net charge-offs to loans | 0.0493% | 2,444 |
| Credit loss provision to net charge-offs | 276.6798% | 1,052 |
| Earnings coverage of net charge-offs (x) | 62.8784% | 962 |
| Efficiency ratio | 47.8067% | 5,352 |
| Assets per employee ($millions) | 7.1235% | 905 |
| Cash dividends to net income (ytd only)* | 36.8008% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 489 |
| Loan loss allowance to noncurrent loans | 545.7455% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 3,398 |
| Noncurrent loans to loans | 0.3817% | 3,581 |
| Net loans and leases to total assets | 85.4007% | 301 |
| Net loans and leases to deposits | 99.1293% | 809 |
| Net loans and leases to core deposits | 113.4814% | 867 |
| Total domestic deposits to total assets | 86.1509% | 2,249 |
| Equity capital to assets | 9.1677% | 4,755 |
| Core capital (leverage) ratio | 8.8789% | 4,891 |
| Tier 1 risk-based capital ratio | 10.6292% | 5,404 |
| Total risk-based capital ratio | 11.8913% | 5,330 |
| Memoranda: | ||
| Average total assets | $788,458,000 | 949 |
| Average earning assets | $757,928,250 | 913 |
| Average equity | $70,865,500 | 1,127 |
| Average total loans | $684,103,000 | 767 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,422 |
| Cost of funding earning assets | 0.5043% | 2,134 |
| Net interest margin | 3.7087% | 2,628 |
| Noninterest income to average assets | 1.5550% | 452 |
| Noninterest expense to average assets | 2.4550% | 3,906 |
| Loan and lease loss provision to assets | 0.1273% | 1,630 |
| Net operating income to assets | 1.6108% | 684 |
| Return on assets (ROA) | 1.6108% | 709 |
| Pretax return on assets | 2.5370% | 200 |
| Return on Equity (ROE) | 18.0440% | 332 |
| Retained earnings to average equity (ytd only) | 17.7587% | 81 |
| Net charge-offs to loans | 0.0850% | 1,762 |
| Credit loss provision to net charge-offs | 173.0104% | 1,392 |
| Earnings coverage of net charge-offs (x) | 36.2007% | 1,336 |
| Efficiency ratio | 47.9554% | 5,392 |
| Assets per employee ($millions) | 7.2548% | 826 |
| Cash dividends to net income (ytd only)* | 1.5810% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 528 |
| Loan loss allowance to noncurrent loans | 512.7292% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 3,447 |
| Noncurrent loans to loans | 0.4058% | 3,570 |
| Net loans and leases to total assets | 84.0889% | 439 |
| Net loans and leases to deposits | 96.5820% | 1,020 |
| Net loans and leases to core deposits | 104.9757% | 1,295 |
| Total domestic deposits to total assets | 87.0647% | 1,919 |
| Equity capital to assets | 9.1771% | 4,734 |
| Core capital (leverage) ratio | 8.8758% | 4,869 |
| Tier 1 risk-based capital ratio | 10.7116% | 5,373 |
| Total risk-based capital ratio | 11.9734% | 5,302 |
| Memoranda: | ||
| Average total assets | $785,332,670 | 957 |
| Average earning assets | $754,757,330 | 923 |
| Average equity | $70,106,330 | 1,140 |
| Average total loans | $680,187,000 | 773 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,369 |
| Cost of funding earning assets | 0.4684% | 2,355 |
| Net interest margin | 3.7051% | 2,474 |
| Noninterest income to average assets | 1.5446% | 466 |
| Noninterest expense to average assets | 2.4442% | 3,983 |
| Loan and lease loss provision to assets | 0.1540% | 1,188 |
| Net operating income to assets | 1.5826% | 704 |
| Return on assets (ROA) | 1.5826% | 717 |
| Pretax return on assets | 2.5125% | 212 |
| Return on Equity (ROE) | 17.9862% | 342 |
| Retained earnings to average equity (ytd only) | 17.4026% | 159 |
| Net charge-offs to loans | 0.0336% | 2,107 |
| Credit loss provision to net charge-offs | 526.3158% | 548 |
| Earnings coverage of net charge-offs (x) | 91.1053% | 583 |
| Efficiency ratio | 47.8248% | 5,475 |
| Assets per employee ($millions) | 7.2101% | 857 |
| Cash dividends to net income (ytd only)* | 3.2446% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 538 |
| Loan loss allowance to noncurrent loans | 462.7915% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 3,141 |
| Noncurrent loans to loans | 0.4562% | 3,463 |
| Net loans and leases to total assets | 85.0991% | 278 |
| Net loans and leases to deposits | 98.1541% | 763 |
| Net loans and leases to core deposits | 111.1397% | 820 |
| Total domestic deposits to total assets | 86.6995% | 2,357 |
| Equity capital to assets | 8.9919% | 4,806 |
| Core capital (leverage) ratio | 8.5183% | 5,215 |
| Tier 1 risk-based capital ratio | 10.3556% | 5,605 |
| Total risk-based capital ratio | 11.6178% | 5,527 |
| Memoranda: | ||
| Average total assets | $778,985,500 | 965 |
| Average earning assets | $749,773,500 | 931 |
| Average equity | $68,541,500 | 1,159 |
| Average total loans | $677,625,000 | 772 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 2,675 |
| Cost of funding earning assets | 0.4516% | 2,528 |
| Net interest margin | 3.6941% | 2,716 |
| Noninterest income to average assets | 1.4085% | 582 |
| Noninterest expense to average assets | 2.3971% | 4,305 |
| Loan and lease loss provision to assets | 0.2163% | 1,030 |
| Net operating income to assets | 1.4921% | 839 |
| Return on assets (ROA) | 1.4921% | 862 |
| Pretax return on assets | 2.3471% | 253 |
| Return on Equity (ROE) | 17.1430% | 394 |
| Retained earnings to average equity (ytd only) | 8.9297% | 601 |
| Net charge-offs to loans | 0.0536% | 2,967 |
| Credit loss provision to net charge-offs | 464.1834% | 696 |
| Earnings coverage of net charge-offs (x) | 55.0086% | 952 |
| Efficiency ratio | 48.3244% | 5,563 |
| Assets per employee ($millions) | 7.4931% | 733 |
| Cash dividends to net income (ytd only)* | 47.9105% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 575 |
| Loan loss allowance to noncurrent loans | 470.3047% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 3,227 |
| Noncurrent loans to loans | 0.4404% | 3,567 |
| Net loans and leases to total assets | 85.2391% | 280 |
| Net loans and leases to deposits | 97.8415% | 837 |
| Net loans and leases to core deposits | 110.3562% | 878 |
| Total domestic deposits to total assets | 87.1196% | 2,078 |
| Equity capital to assets | 8.6058% | 5,187 |
| Core capital (leverage) ratio | 8.2247% | 5,494 |
| Tier 1 risk-based capital ratio | 10.0650% | 5,722 |
| Total risk-based capital ratio | 11.3272% | 5,668 |
| Memoranda: | ||
| Average total assets | $748,939,400 | 967 |
| Average earning assets | $720,127,000 | 923 |
| Average equity | $65,186,800 | 1,207 |
| Average total loans | $651,442,400 | 764 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 2,751 |
| Cost of funding earning assets | 0.4457% | 2,595 |
| Net interest margin | 3.6870% | 2,768 |
| Noninterest income to average assets | 1.4530% | 568 |
| Noninterest expense to average assets | 2.3501% | 4,413 |
| Loan and lease loss provision to assets | 0.1942% | 1,111 |
| Net operating income to assets | 1.5647% | 778 |
| Return on assets (ROA) | 1.5647% | 815 |
| Pretax return on assets | 2.4540% | 237 |
| Return on Equity (ROE) | 17.9236% | 363 |
| Retained earnings to average equity (ytd only) | 11.4361% | 367 |
| Net charge-offs to loans | 0.0103% | 3,568 |
| Credit loss provision to net charge-offs | 2,160.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 294.4779% | 278 |
| Efficiency ratio | 47.0171% | 5,629 |
| Assets per employee ($millions) | 7.3820% | 764 |
| Cash dividends to net income (ytd only)* | 36.1954% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 680 |
| Loan loss allowance to noncurrent loans | 439.2937% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 3,079 |
| Noncurrent loans to loans | 0.4640% | 3,624 |
| Net loans and leases to total assets | 88.1224% | 129 |
| Net loans and leases to deposits | 102.0198% | 566 |
| Net loans and leases to core deposits | 111.9233% | 813 |
| Total domestic deposits to total assets | 86.3777% | 2,182 |
| Equity capital to assets | 8.8722% | 5,265 |
| Core capital (leverage) ratio | 8.4793% | 5,375 |
| Tier 1 risk-based capital ratio | 10.3117% | 5,697 |
| Total risk-based capital ratio | 11.5744% | 5,616 |
| Memoranda: | ||
| Average total assets | $741,353,250 | 975 |
| Average earning assets | $712,855,750 | 935 |
| Average equity | $64,717,500 | 1,222 |
| Average total loans | $644,727,250 | 773 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,858 |
| Cost of funding earning assets | 0.4359% | 2,691 |
| Net interest margin | 3.6632% | 2,846 |
| Noninterest income to average assets | 1.4316% | 564 |
| Noninterest expense to average assets | 2.3323% | 4,523 |
| Loan and lease loss provision to assets | 0.1953% | 1,110 |
| Net operating income to assets | 1.5393% | 831 |
| Return on assets (ROA) | 1.5393% | 875 |
| Pretax return on assets | 2.4250% | 242 |
| Return on Equity (ROE) | 17.7315% | 378 |
| Retained earnings to average equity (ytd only) | 17.7315% | 87 |
| Net charge-offs to loans | 0.0252% | 2,976 |
| Credit loss provision to net charge-offs | 900.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 120.7750% | 487 |
| Efficiency ratio | 47.0923% | 5,704 |
| Assets per employee ($millions) | 7.4439% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 659 |
| Loan loss allowance to noncurrent loans | 498.4027% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 3,427 |
| Noncurrent loans to loans | 0.4136% | 3,875 |
| Net loans and leases to total assets | 86.4992% | 215 |
| Net loans and leases to deposits | 100.6043% | 646 |
| Net loans and leases to core deposits | 110.5110% | 905 |
| Total domestic deposits to total assets | 85.9796% | 2,429 |
| Equity capital to assets | 9.0814% | 5,179 |
| Core capital (leverage) ratio | 8.7392% | 5,123 |
| Tier 1 risk-based capital ratio | 10.7692% | 5,540 |
| Total risk-based capital ratio | 12.0320% | 5,458 |
| Memoranda: | ||
| Average total assets | $737,481,330 | 981 |
| Average earning assets | $708,834,000 | 941 |
| Average equity | $64,021,670 | 1,233 |
| Average total loans | $633,856,000 | 784 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 3,030 |
| Cost of funding earning assets | 0.4408% | 2,678 |
| Net interest margin | 3.6103% | 3,044 |
| Noninterest income to average assets | 1.2915% | 658 |
| Noninterest expense to average assets | 2.2013% | 4,901 |
| Loan and lease loss provision to assets | 0.1952% | 1,014 |
| Net operating income to assets | 1.4764% | 896 |
| Return on assets (ROA) | 1.4764% | 939 |
| Pretax return on assets | 2.3629% | 294 |
| Return on Equity (ROE) | 17.4077% | 400 |
| Retained earnings to average equity (ytd only) | 17.4077% | 141 |
| Net charge-offs to loans | 0.0051% | 2,939 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 589.7500% | 90 |
| Efficiency ratio | 46.2520% | 5,800 |
| Assets per employee ($millions) | 7.3722% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 749 |
| Loan loss allowance to noncurrent loans | 477.5919% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 3,401 |
| Noncurrent loans to loans | 0.4299% | 3,905 |
| Net loans and leases to total assets | 86.6905% | 180 |
| Net loans and leases to deposits | 98.2494% | 740 |
| Net loans and leases to core deposits | 108.5366% | 945 |
| Total domestic deposits to total assets | 88.2352% | 1,511 |
| Equity capital to assets | 8.8512% | 5,297 |
| Core capital (leverage) ratio | 8.2294% | 5,627 |
| Tier 1 risk-based capital ratio | 10.6825% | 5,670 |
| Total risk-based capital ratio | 11.9456% | 5,576 |
| Memoranda: | ||
| Average total assets | $737,748,500 | 982 |
| Average earning assets | $708,631,500 | 940 |
| Average equity | $62,570,000 | 1,255 |
| Average total loans | $625,349,000 | 788 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,085 |
| Cost of funding earning assets | 0.4486% | 2,637 |
| Net interest margin | 3.6091% | 3,094 |
| Noninterest income to average assets | 1.2949% | 721 |
| Noninterest expense to average assets | 2.2604% | 4,900 |
| Loan and lease loss provision to assets | 0.2638% | 704 |
| Net operating income to assets | 1.4208% | 1,003 |
| Return on assets (ROA) | 1.4208% | 1,042 |
| Pretax return on assets | 2.2303% | 324 |
| Return on Equity (ROE) | 16.5878% | 495 |
| Retained earnings to average equity (ytd only) | 8.0330% | 904 |
| Net charge-offs to loans | 0.0039% | 4,314 |
| Credit loss provision to net charge-offs | 7,826.0870% | 42 |
| Earnings coverage of net charge-offs (x) | 739.9565% | 83 |
| Efficiency ratio | 47.5418% | 5,857 |
| Assets per employee ($millions) | 7.6839% | 636 |
| Cash dividends to net income (ytd only)* | 51.5730% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 696 |
| Loan loss allowance to noncurrent loans | 483.2451% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 3,562 |
| Noncurrent loans to loans | 0.4326% | 3,914 |
| Net loans and leases to total assets | 79.4764% | 921 |
| Net loans and leases to deposits | 88.8719% | 1,767 |
| Net loans and leases to core deposits | 99.6712% | 1,531 |
| Total domestic deposits to total assets | 89.4280% | 896 |
| Equity capital to assets | 8.1262% | 5,796 |
| Core capital (leverage) ratio | 7.8674% | 5,886 |
| Tier 1 risk-based capital ratio | 10.6586% | 5,697 |
| Total risk-based capital ratio | 11.9222% | 5,606 |
| Memoranda: | ||
| Average total assets | $682,360,600 | 1,008 |
| Average earning assets | $654,100,400 | 976 |
| Average equity | $58,446,400 | 1,285 |
| Average total loans | $587,254,400 | 796 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 2,879 |
| Cost of funding earning assets | 0.4503% | 2,681 |
| Net interest margin | 3.6643% | 2,911 |
| Noninterest income to average assets | 1.3002% | 714 |
| Noninterest expense to average assets | 2.2199% | 4,997 |
| Loan and lease loss provision to assets | 0.2257% | 818 |
| Net operating income to assets | 1.4671% | 973 |
| Return on assets (ROA) | 1.4671% | 1,013 |
| Pretax return on assets | 2.3657% | 305 |
| Return on Equity (ROE) | 16.8832% | 478 |
| Retained earnings to average equity (ytd only) | 8.9933% | 912 |
| Net charge-offs to loans | -0.0099% | 4,982 |
| Credit loss provision to net charge-offs | -2,616.2791% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1394% | 5,957 |
| Assets per employee ($millions) | 7.1439% | 812 |
| Cash dividends to net income (ytd only)* | 46.7323% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0277% | 881 |
| Loan loss allowance to noncurrent loans | 339.3196% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 3,370 |
| Noncurrent loans to loans | 0.5976% | 3,532 |
| Net loans and leases to total assets | 84.8423% | 320 |
| Net loans and leases to deposits | 95.6917% | 1,038 |
| Net loans and leases to core deposits | 109.3997% | 911 |
| Total domestic deposits to total assets | 88.6621% | 1,192 |
| Equity capital to assets | 8.5760% | 5,657 |
| Core capital (leverage) ratio | 8.2952% | 5,723 |
| Tier 1 risk-based capital ratio | 10.5728% | 5,851 |
| Total risk-based capital ratio | 11.8357% | 5,771 |
| Memoranda: | ||
| Average total assets | $664,695,750 | 1,039 |
| Average earning assets | $636,912,500 | 1,005 |
| Average equity | $57,760,000 | 1,310 |
| Average total loans | $581,255,500 | 806 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,975 |
| Cost of funding earning assets | 0.4528% | 2,695 |
| Net interest margin | 3.6259% | 2,993 |
| Noninterest income to average assets | 1.2929% | 730 |
| Noninterest expense to average assets | 2.1908% | 5,141 |
| Loan and lease loss provision to assets | 0.2289% | 820 |
| Net operating income to assets | 1.4611% | 965 |
| Return on assets (ROA) | 1.4611% | 1,015 |
| Pretax return on assets | 2.3633% | 305 |
| Return on Equity (ROE) | 16.7366% | 521 |
| Retained earnings to average equity (ytd only) | 13.2403% | 287 |
| Net charge-offs to loans | -0.0150% | 5,061 |
| Credit loss provision to net charge-offs | -1,744.1860% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8044% | 6,048 |
| Assets per employee ($millions) | 6.8682% | 879 |
| Cash dividends to net income (ytd only)* | 20.8899% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 1,065 |
| Loan loss allowance to noncurrent loans | 363.6448% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 3,613 |
| Noncurrent loans to loans | 0.5370% | 3,844 |
| Net loans and leases to total assets | 87.9713% | 141 |
| Net loans and leases to deposits | 103.1548% | 492 |
| Net loans and leases to core deposits | 121.4920% | 429 |
| Total domestic deposits to total assets | 85.2808% | 3,013 |
| Equity capital to assets | 8.8123% | 5,424 |
| Core capital (leverage) ratio | 8.6396% | 5,384 |
| Tier 1 risk-based capital ratio | 10.3233% | 5,984 |
| Total risk-based capital ratio | 11.5846% | 5,925 |
| Memoranda: | ||
| Average total assets | $655,274,000 | 1,058 |
| Average earning assets | $630,739,330 | 1,014 |
| Average equity | $57,204,000 | 1,330 |
| Average total loans | $574,976,670 | 816 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,293 |
| Cost of funding earning assets | 0.4643% | 2,626 |
| Net interest margin | 3.5170% | 3,362 |
| Noninterest income to average assets | 1.2779% | 702 |
| Noninterest expense to average assets | 2.1672% | 5,234 |
| Loan and lease loss provision to assets | 0.2321% | 744 |
| Net operating income to assets | 1.4011% | 1,033 |
| Return on assets (ROA) | 1.4011% | 1,085 |
| Pretax return on assets | 2.2631% | 345 |
| Return on Equity (ROE) | 16.1285% | 555 |
| Retained earnings to average equity (ytd only) | 9.0046% | 1,192 |
| Net charge-offs to loans | 0.1006% | 1,717 |
| Credit loss provision to net charge-offs | 265.9574% | 889 |
| Earnings coverage of net charge-offs (x) | 28.5957% | 1,180 |
| Efficiency ratio | 46.4826% | 6,086 |
| Assets per employee ($millions) | 6.8407% | 920 |
| Cash dividends to net income (ytd only)* | 44.1696% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9713% | 1,137 |
| Loan loss allowance to noncurrent loans | 306.0202% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 3,403 |
| Noncurrent loans to loans | 0.6442% | 3,663 |
| Net loans and leases to total assets | 86.8775% | 150 |
| Net loans and leases to deposits | 101.5945% | 476 |
| Net loans and leases to core deposits | 120.2948% | 405 |
| Total domestic deposits to total assets | 85.5139% | 3,170 |
| Equity capital to assets | 8.8303% | 5,469 |
| Core capital (leverage) ratio | 8.2592% | 5,771 |
| Tier 1 risk-based capital ratio | 10.5143% | 6,007 |
| Total risk-based capital ratio | 11.7759% | 5,944 |
| Memoranda: | ||
| Average total assets | $646,371,000 | 1,076 |
| Average earning assets | $622,005,500 | 1,028 |
| Average equity | $56,149,000 | 1,355 |
| Average total loans | $560,510,000 | 832 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,762 |
| Cost of funding earning assets | 0.4492% | 3,178 |
| Net interest margin | 3.5408% | 3,636 |
| Noninterest income to average assets | 1.3978% | 622 |
| Noninterest expense to average assets | 2.3632% | 4,940 |
| Loan and lease loss provision to assets | 0.2546% | 883 |
| Net operating income to assets | 1.4105% | 1,062 |
| Return on assets (ROA) | 1.4105% | 1,092 |
| Pretax return on assets | 2.1860% | 326 |
| Return on Equity (ROE) | 15.9120% | 630 |
| Retained earnings to average equity (ytd only) | 10.6111% | 429 |
| Net charge-offs to loans | -0.0498% | 5,936 |
| Credit loss provision to net charge-offs | -602.3622% | 5,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1947% | 6,130 |
| Assets per employee ($millions) | 7.1398% | 788 |
| Cash dividends to net income (ytd only)* | 33.3137% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 1,121 |
| Loan loss allowance to noncurrent loans | 317.5520% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 3,560 |
| Noncurrent loans to loans | 0.6285% | 3,806 |
| Net loans and leases to total assets | 83.1350% | 419 |
| Net loans and leases to deposits | 96.4431% | 875 |
| Net loans and leases to core deposits | 116.2063% | 520 |
| Total domestic deposits to total assets | 86.2011% | 2,725 |
| Equity capital to assets | 8.5448% | 5,707 |
| Core capital (leverage) ratio | 8.4635% | 5,591 |
| Tier 1 risk-based capital ratio | 10.6192% | 6,053 |
| Total risk-based capital ratio | 11.8815% | 5,990 |
| Memoranda: | ||
| Average total assets | $601,000,400 | 1,105 |
| Average earning assets | $578,115,800 | 1,052 |
| Average equity | $53,274,200 | 1,374 |
| Average total loans | $509,763,400 | 875 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,730 |
| Cost of funding earning assets | 0.4494% | 3,258 |
| Net interest margin | 3.5581% | 3,599 |
| Noninterest income to average assets | 1.4630% | 584 |
| Noninterest expense to average assets | 2.3980% | 4,833 |
| Loan and lease loss provision to assets | 0.2547% | 840 |
| Net operating income to assets | 1.4333% | 1,066 |
| Return on assets (ROA) | 1.4333% | 1,104 |
| Pretax return on assets | 2.2313% | 346 |
| Return on Equity (ROE) | 16.0107% | 673 |
| Retained earnings to average equity (ytd only) | 12.7833% | 349 |
| Net charge-offs to loans | -0.1025% | 6,145 |
| Credit loss provision to net charge-offs | -292.9688% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0982% | 6,146 |
| Assets per employee ($millions) | 6.4089% | 1,073 |
| Cash dividends to net income (ytd only)* | 20.1580% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 1,129 |
| Loan loss allowance to noncurrent loans | 253.2468% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 3,283 |
| Noncurrent loans to loans | 0.8174% | 3,534 |
| Net loans and leases to total assets | 84.2174% | 325 |
| Net loans and leases to deposits | 95.0068% | 958 |
| Net loans and leases to core deposits | 115.0765% | 546 |
| Total domestic deposits to total assets | 88.6436% | 1,428 |
| Equity capital to assets | 9.1253% | 5,232 |
| Core capital (leverage) ratio | 8.6759% | 5,473 |
| Tier 1 risk-based capital ratio | 11.0382% | 5,975 |
| Total risk-based capital ratio | 12.3011% | 5,926 |
| Memoranda: | ||
| Average total assets | $588,821,000 | 1,132 |
| Average earning assets | $566,135,500 | 1,081 |
| Average equity | $52,713,500 | 1,397 |
| Average total loans | $499,418,500 | 900 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,721 |
| Cost of funding earning assets | 0.4435% | 3,403 |
| Net interest margin | 3.5583% | 3,538 |
| Noninterest income to average assets | 1.4147% | 606 |
| Noninterest expense to average assets | 2.3691% | 4,973 |
| Loan and lease loss provision to assets | 0.2567% | 841 |
| Net operating income to assets | 1.4096% | 1,039 |
| Return on assets (ROA) | 1.4096% | 1,080 |
| Pretax return on assets | 2.2085% | 356 |
| Return on Equity (ROE) | 15.8507% | 670 |
| Retained earnings to average equity (ytd only) | 15.8507% | 178 |
| Net charge-offs to loans | -0.1533% | 6,271 |
| Credit loss provision to net charge-offs | -198.4127% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0052% | 6,222 |
| Assets per employee ($millions) | 6.3791% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 1,288 |
| Loan loss allowance to noncurrent loans | 304.2353% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 3,743 |
| Noncurrent loans to loans | 0.6719% | 4,034 |
| Net loans and leases to total assets | 83.5475% | 335 |
| Net loans and leases to deposits | 93.7597% | 979 |
| Net loans and leases to core deposits | 113.9391% | 539 |
| Total domestic deposits to total assets | 89.1081% | 1,297 |
| Equity capital to assets | 9.1082% | 5,195 |
| Core capital (leverage) ratio | 8.6817% | 5,429 |
| Tier 1 risk-based capital ratio | 11.1049% | 6,009 |
| Total risk-based capital ratio | 12.3676% | 5,936 |
| Memoranda: | ||
| Average total assets | $584,282,670 | 1,133 |
| Average earning assets | $561,496,670 | 1,090 |
| Average equity | $51,960,000 | 1,400 |
| Average total loans | $493,197,670 | 903 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,787 |
| Cost of funding earning assets | 0.4274% | 3,670 |
| Net interest margin | 3.5486% | 3,490 |
| Noninterest income to average assets | 1.3757% | 613 |
| Noninterest expense to average assets | 2.3332% | 5,118 |
| Loan and lease loss provision to assets | 0.2587% | 821 |
| Net operating income to assets | 1.3798% | 1,036 |
| Return on assets (ROA) | 1.3798% | 1,078 |
| Pretax return on assets | 2.1918% | 355 |
| Return on Equity (ROE) | 15.7101% | 679 |
| Retained earnings to average equity (ytd only) | 15.7101% | 289 |
| Net charge-offs to loans | 0.0822% | 2,329 |
| Credit loss provision to net charge-offs | 375.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 35.5200% | 944 |
| Efficiency ratio | 48.7742% | 6,323 |
| Assets per employee ($millions) | 6.3752% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 1,640 |
| Loan loss allowance to noncurrent loans | 119.6395% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 2,231 |
| Noncurrent loans to loans | 1.6242% | 2,395 |
| Net loans and leases to total assets | 84.4116% | 214 |
| Net loans and leases to deposits | 95.0352% | 716 |
| Net loans and leases to core deposits | 111.2856% | 534 |
| Total domestic deposits to total assets | 88.8214% | 1,768 |
| Equity capital to assets | 9.1473% | 4,941 |
| Core capital (leverage) ratio | 8.4537% | 5,699 |
| Tier 1 risk-based capital ratio | 11.0607% | 6,131 |
| Total risk-based capital ratio | 12.3220% | 6,075 |
| Memoranda: | ||
| Average total assets | $579,795,000 | 1,150 |
| Average earning assets | $556,847,000 | 1,105 |
| Average equity | $50,922,500 | 1,421 |
| Average total loans | $486,798,500 | 917 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 3,687 |
| Cost of funding earning assets | 0.4642% | 3,975 |
| Net interest margin | 3.6487% | 3,247 |
| Noninterest income to average assets | 1.2607% | 873 |
| Noninterest expense to average assets | 2.3107% | 5,348 |
| Loan and lease loss provision to assets | 0.4018% | 744 |
| Net operating income to assets | 1.3409% | 1,154 |
| Return on assets (ROA) | 1.3409% | 1,193 |
| Pretax return on assets | 2.0438% | 434 |
| Return on Equity (ROE) | 14.8939% | 783 |
| Retained earnings to average equity (ytd only) | 7.4500% | 1,251 |
| Net charge-offs to loans | 0.1794% | 3,029 |
| Credit loss provision to net charge-offs | 264.2424% | 859 |
| Earnings coverage of net charge-offs (x) | 16.0836% | 1,824 |
| Efficiency ratio | 48.5817% | 6,470 |
| Assets per employee ($millions) | 6.6539% | 922 |
| Cash dividends to net income (ytd only)* | 49.9794% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 1,782 |
| Loan loss allowance to noncurrent loans | 121.5992% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 2,518 |
| Noncurrent loans to loans | 1.5622% | 2,555 |
| Net loans and leases to total assets | 80.3693% | 560 |
| Net loans and leases to deposits | 89.5680% | 1,273 |
| Net loans and leases to core deposits | 106.5540% | 766 |
| Total domestic deposits to total assets | 89.7300% | 1,213 |
| Equity capital to assets | 8.4336% | 5,654 |
| Core capital (leverage) ratio | 8.2450% | 5,932 |
| Tier 1 risk-based capital ratio | 10.7440% | 6,285 |
| Total risk-based capital ratio | 12.0047% | 6,231 |
| Memoranda: | ||
| Average total assets | $542,558,600 | 1,223 |
| Average earning assets | $519,799,400 | 1,167 |
| Average equity | $48,845,400 | 1,446 |
| Average total loans | $459,957,800 | 927 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 3,437 |
| Cost of funding earning assets | 0.4718% | 4,051 |
| Net interest margin | 3.7142% | 2,976 |
| Noninterest income to average assets | 1.2303% | 971 |
| Noninterest expense to average assets | 2.3130% | 5,297 |
| Loan and lease loss provision to assets | 0.2942% | 1,161 |
| Net operating income to assets | 1.4313% | 1,026 |
| Return on assets (ROA) | 1.4313% | 1,086 |
| Pretax return on assets | 2.1790% | 408 |
| Return on Equity (ROE) | 15.6222% | 692 |
| Retained earnings to average equity (ytd only) | 9.3854% | 937 |
| Net charge-offs to loans | -0.0438% | 6,272 |
| Credit loss provision to net charge-offs | -785.2349% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3264% | 6,489 |
| Assets per employee ($millions) | 6.1353% | 1,144 |
| Cash dividends to net income (ytd only)* | 39.9227% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 1,700 |
| Loan loss allowance to noncurrent loans | 222.5455% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 3,884 |
| Noncurrent loans to loans | 0.9020% | 4,017 |
| Net loans and leases to total assets | 80.2715% | 521 |
| Net loans and leases to deposits | 90.1941% | 1,143 |
| Net loans and leases to core deposits | 107.1771% | 700 |
| Total domestic deposits to total assets | 88.9985% | 1,551 |
| Equity capital to assets | 8.9100% | 5,292 |
| Core capital (leverage) ratio | 8.6412% | 5,613 |
| Tier 1 risk-based capital ratio | 11.3717% | 6,111 |
| Total risk-based capital ratio | 12.6341% | 6,078 |
| Memoranda: | ||
| Average total assets | $530,148,000 | 1,268 |
| Average earning assets | $507,548,500 | 1,212 |
| Average equity | $48,570,750 | 1,462 |
| Average total loans | $453,656,250 | 945 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 3,135 |
| Cost of funding earning assets | 0.4767% | 4,133 |
| Net interest margin | 3.7782% | 2,642 |
| Noninterest income to average assets | 1.1445% | 1,168 |
| Noninterest expense to average assets | 2.2682% | 5,453 |
| Loan and lease loss provision to assets | 0.2996% | 1,207 |
| Net operating income to assets | 1.4314% | 1,015 |
| Return on assets (ROA) | 1.4314% | 1,103 |
| Pretax return on assets | 2.1864% | 429 |
| Return on Equity (ROE) | 15.4714% | 740 |
| Retained earnings to average equity (ytd only) | 15.4714% | 214 |
| Net charge-offs to loans | -0.1026% | 6,506 |
| Credit loss provision to net charge-offs | -336.2069% | 5,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7098% | 6,555 |
| Assets per employee ($millions) | 5.9140% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 1,950 |
| Loan loss allowance to noncurrent loans | 164.6808% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 3,278 |
| Noncurrent loans to loans | 1.1878% | 3,576 |
| Net loans and leases to total assets | 84.4927% | 209 |
| Net loans and leases to deposits | 102.2345% | 323 |
| Net loans and leases to core deposits | 125.4936% | 230 |
| Total domestic deposits to total assets | 82.6460% | 4,835 |
| Equity capital to assets | 9.5067% | 4,571 |
| Core capital (leverage) ratio | 9.1157% | 4,809 |
| Tier 1 risk-based capital ratio | 11.5925% | 6,061 |
| Total risk-based capital ratio | 12.8542% | 6,009 |
| Memoranda: | ||
| Average total assets | $520,761,330 | 1,286 |
| Average earning assets | $497,541,330 | 1,233 |
| Average equity | $48,179,330 | 1,477 |
| Average total loans | $452,427,670 | 940 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 3,241 |
| Cost of funding earning assets | 0.4856% | 4,229 |
| Net interest margin | 3.7287% | 2,741 |
| Noninterest income to average assets | 1.1784% | 1,080 |
| Noninterest expense to average assets | 2.2341% | 5,601 |
| Loan and lease loss provision to assets | 0.3012% | 1,148 |
| Net operating income to assets | 1.4155% | 1,002 |
| Return on assets (ROA) | 1.4155% | 1,088 |
| Pretax return on assets | 2.2009% | 424 |
| Return on Equity (ROE) | 15.5175% | 677 |
| Retained earnings to average equity (ytd only) | 15.5175% | 315 |
| Net charge-offs to loans | 0.0602% | 3,215 |
| Credit loss provision to net charge-offs | 573.5294% | 473 |
| Earnings coverage of net charge-offs (x) | 47.6471% | 698 |
| Efficiency ratio | 47.1710% | 6,647 |
| Assets per employee ($millions) | 6.8086% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,592 |
| Loan loss allowance to noncurrent loans | 114.6861% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 2,914 |
| Noncurrent loans to loans | 1.5767% | 3,169 |
| Net loans and leases to total assets | 85.8819% | 125 |
| Net loans and leases to deposits | 101.6743% | 292 |
| Net loans and leases to core deposits | 121.9588% | 262 |
| Total domestic deposits to total assets | 84.4677% | 4,278 |
| Equity capital to assets | 9.3076% | 5,117 |
| Core capital (leverage) ratio | 8.8638% | 5,102 |
| Tier 1 risk-based capital ratio | 11.0243% | 6,393 |
| Total risk-based capital ratio | 12.2839% | 6,366 |
| Memoranda: | ||
| Average total assets | $517,969,500 | 1,304 |
| Average earning assets | $494,221,500 | 1,253 |
| Average equity | $47,250,000 | 1,523 |
| Average total loans | $451,843,500 | 943 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 3,978 |
| Cost of funding earning assets | 0.6682% | 3,759 |
| Net interest margin | 3.6939% | 3,674 |
| Noninterest income to average assets | 1.1375% | 1,207 |
| Noninterest expense to average assets | 2.3502% | 5,563 |
| Loan and lease loss provision to assets | 0.5042% | 1,174 |
| Net operating income to assets | 1.1773% | 1,672 |
| Return on assets (ROA) | 1.1773% | 1,839 |
| Pretax return on assets | 1.8215% | 883 |
| Return on Equity (ROE) | 12.5994% | 1,335 |
| Retained earnings to average equity (ytd only) | 5.3452% | 2,473 |
| Net charge-offs to loans | 0.4244% | 2,538 |
| Credit loss provision to net charge-offs | 138.0660% | 1,997 |
| Earnings coverage of net charge-offs (x) | 6.3689% | 2,822 |
| Efficiency ratio | 50.2619% | 6,579 |
| Assets per employee ($millions) | 6.6472% | 923 |
| Cash dividends to net income (ytd only)* | 57.5763% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 2,779 |
| Loan loss allowance to noncurrent loans | 115.2808% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5189% | 3,099 |
| Noncurrent loans to loans | 1.5116% | 3,335 |
| Net loans and leases to total assets | 85.4880% | 152 |
| Net loans and leases to deposits | 96.6722% | 578 |
| Net loans and leases to core deposits | 115.7868% | 365 |
| Total domestic deposits to total assets | 88.4308% | 1,945 |
| Equity capital to assets | 8.9371% | 5,595 |
| Core capital (leverage) ratio | 8.4545% | 5,687 |
| Tier 1 risk-based capital ratio | 10.5905% | 6,518 |
| Total risk-based capital ratio | 11.8490% | 6,484 |
| Memoranda: | ||
| Average total assets | $489,921,200 | 1,358 |
| Average earning assets | $469,287,600 | 1,303 |
| Average equity | $45,779,800 | 1,519 |
| Average total loans | $421,508,200 | 993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 4,204 |
| Cost of funding earning assets | 0.7062% | 3,710 |
| Net interest margin | 3.6545% | 3,990 |
| Noninterest income to average assets | 1.1514% | 1,150 |
| Noninterest expense to average assets | 2.3568% | 5,527 |
| Loan and lease loss provision to assets | 0.2983% | 2,206 |
| Net operating income to assets | 1.2577% | 1,551 |
| Return on assets (ROA) | 1.2577% | 1,713 |
| Pretax return on assets | 2.0050% | 697 |
| Return on Equity (ROE) | 13.3036% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.1309% | 2,045 |
| Net charge-offs to loans | 0.3052% | 2,910 |
| Credit loss provision to net charge-offs | 113.9241% | 2,562 |
| Earnings coverage of net charge-offs (x) | 8.7975% | 2,396 |
| Efficiency ratio | 50.5748% | 6,542 |
| Assets per employee ($millions) | 7.0220% | 731 |
| Cash dividends to net income (ytd only)* | 46.3987% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 3,234 |
| Loan loss allowance to noncurrent loans | 96.4135% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.5190% | 3,302 |
| Noncurrent loans to loans | 1.7369% | 3,180 |
| Net loans and leases to total assets | 84.9179% | 187 |
| Net loans and leases to deposits | 96.6792% | 617 |
| Net loans and leases to core deposits | 117.0928% | 365 |
| Total domestic deposits to total assets | 87.8348% | 2,145 |
| Equity capital to assets | 9.1665% | 5,633 |
| Core capital (leverage) ratio | 8.8500% | 5,267 |
| Tier 1 risk-based capital ratio | 11.0612% | 6,453 |
| Total risk-based capital ratio | 12.3190% | 6,425 |
| Memoranda: | ||
| Average total assets | $482,781,000 | 1,394 |
| Average earning assets | $463,521,750 | 1,334 |
| Average equity | $45,640,500 | 1,537 |
| Average total loans | $414,110,000 | 1,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 4,204 |
| Cost of funding earning assets | 0.7354% | 3,721 |
| Net interest margin | 3.6589% | 3,993 |
| Noninterest income to average assets | 1.1541% | 1,067 |
| Noninterest expense to average assets | 2.3536% | 5,607 |
| Loan and lease loss provision to assets | 0.3030% | 2,168 |
| Net operating income to assets | 1.2589% | 1,546 |
| Return on assets (ROA) | 1.2589% | 1,712 |
| Pretax return on assets | 2.0051% | 692 |
| Return on Equity (ROE) | 13.1745% | 1,319 |
| Retained earnings to average equity (ytd only) | 13.1745% | 420 |
| Net charge-offs to loans | 0.2381% | 3,143 |
| Credit loss provision to net charge-offs | 148.7603% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.3306% | 1,970 |
| Efficiency ratio | 50.4875% | 6,605 |
| Assets per employee ($millions) | 6.6641% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 2,896 |
| Loan loss allowance to noncurrent loans | 103.8074% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 3,402 |
| Noncurrent loans to loans | 1.7214% | 3,312 |
| Net loans and leases to total assets | 83.7830% | 225 |
| Net loans and leases to deposits | 94.5926% | 725 |
| Net loans and leases to core deposits | 115.0182% | 420 |
| Total domestic deposits to total assets | 88.5724% | 1,775 |
| Equity capital to assets | 9.6413% | 4,848 |
| Core capital (leverage) ratio | 9.0868% | 4,783 |
| Tier 1 risk-based capital ratio | 11.8890% | 6,000 |
| Total risk-based capital ratio | 13.1486% | 5,965 |
| Memoranda: | ||
| Average total assets | $475,181,000 | 1,411 |
| Average earning assets | $455,552,670 | 1,356 |
| Average equity | $45,406,000 | 1,537 |
| Average total loans | $406,599,670 | 1,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 4,211 |
| Cost of funding earning assets | 0.7842% | 3,592 |
| Net interest margin | 3.6431% | 4,076 |
| Noninterest income to average assets | 1.1492% | 1,071 |
| Noninterest expense to average assets | 2.3257% | 5,704 |
| Loan and lease loss provision to assets | 0.3067% | 2,051 |
| Net operating income to assets | 1.2583% | 1,580 |
| Return on assets (ROA) | 1.2583% | 1,748 |
| Pretax return on assets | 2.0037% | 732 |
| Return on Equity (ROE) | 13.2296% | 1,342 |
| Retained earnings to average equity (ytd only) | 13.2296% | 651 |
| Net charge-offs to loans | -0.0249% | 6,258 |
| Credit loss provision to net charge-offs | -1,440.0000% | 5,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1654% | 6,662 |
| Assets per employee ($millions) | 6.8387% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,762 |
| Loan loss allowance to noncurrent loans | 96.6650% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 3,334 |
| Noncurrent loans to loans | 1.9372% | 3,240 |
| Net loans and leases to total assets | 82.8099% | 234 |
| Net loans and leases to deposits | 93.5608% | 694 |
| Net loans and leases to core deposits | 115.8325% | 388 |
| Total domestic deposits to total assets | 88.5093% | 2,007 |
| Equity capital to assets | 9.4818% | 4,830 |
| Core capital (leverage) ratio | 8.9293% | 4,947 |
| Tier 1 risk-based capital ratio | 11.9679% | 5,979 |
| Total risk-based capital ratio | 13.2291% | 5,969 |
| Memoranda: | ||
| Average total assets | $469,530,500 | 1,427 |
| Average earning assets | $449,398,000 | 1,374 |
| Average equity | $44,657,500 | 1,551 |
| Average total loans | $402,397,000 | 1,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 5,345 |
| Cost of funding earning assets | 0.9399% | 3,786 |
| Net interest margin | 3.4800% | 5,221 |
| Noninterest income to average assets | 1.2055% | 913 |
| Noninterest expense to average assets | 2.2838% | 6,079 |
| Loan and lease loss provision to assets | 0.5423% | 1,935 |
| Net operating income to assets | 1.1029% | 1,818 |
| Return on assets (ROA) | 1.1029% | 1,936 |
| Pretax return on assets | 1.7148% | 959 |
| Return on Equity (ROE) | 12.0692% | 1,386 |
| Retained earnings to average equity (ytd only) | 7.4329% | 1,302 |
| Net charge-offs to loans | 0.3662% | 3,572 |
| Credit loss provision to net charge-offs | 180.7664% | 1,435 |
| Earnings coverage of net charge-offs (x) | 7.5235% | 2,327 |
| Efficiency ratio | 50.2938% | 6,816 |
| Assets per employee ($millions) | 6.6718% | 872 |
| Cash dividends to net income (ytd only)* | 38.4146% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 2,898 |
| Loan loss allowance to noncurrent loans | 321.1091% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 5,592 |
| Noncurrent loans to loans | 0.5579% | 5,604 |
| Net loans and leases to total assets | 85.5064% | 147 |
| Net loans and leases to deposits | 97.1621% | 615 |
| Net loans and leases to core deposits | 108.3905% | 679 |
| Total domestic deposits to total assets | 88.0038% | 2,149 |
| Equity capital to assets | 9.5416% | 4,813 |
| Core capital (leverage) ratio | 9.0156% | 4,758 |
| Tier 1 risk-based capital ratio | 11.4018% | 6,213 |
| Total risk-based capital ratio | 12.6613% | 6,207 |
| Memoranda: | ||
| Average total assets | $460,978,000 | 1,423 |
| Average earning assets | $441,836,000 | 1,369 |
| Average equity | $42,123,800 | 1,596 |
| Average total loans | $377,687,600 | 1,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 5,692 |
| Cost of funding earning assets | 0.9710% | 3,885 |
| Net interest margin | 3.4025% | 5,559 |
| Noninterest income to average assets | 1.1088% | 1,085 |
| Noninterest expense to average assets | 2.2703% | 6,120 |
| Loan and lease loss provision to assets | 0.2862% | 3,225 |
| Net operating income to assets | 1.1543% | 1,798 |
| Return on assets (ROA) | 1.1771% | 1,841 |
| Pretax return on assets | 1.8522% | 857 |
| Return on Equity (ROE) | 13.0247% | 1,270 |
| Retained earnings to average equity (ytd only) | 6.7763% | 2,094 |
| Net charge-offs to loans | 0.3287% | 3,451 |
| Credit loss provision to net charge-offs | 107.9607% | 3,060 |
| Earnings coverage of net charge-offs (x) | 7.9313% | 2,275 |
| Efficiency ratio | 51.9140% | 6,683 |
| Assets per employee ($millions) | 6.7869% | 822 |
| Cash dividends to net income (ytd only)* | 47.9734% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,754 |
| Loan loss allowance to noncurrent loans | 564.3974% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 6,192 |
| Noncurrent loans to loans | 0.2800% | 6,299 |
| Net loans and leases to total assets | 80.4149% | 479 |
| Net loans and leases to deposits | 90.6418% | 1,142 |
| Net loans and leases to core deposits | 100.3130% | 1,218 |
| Total domestic deposits to total assets | 88.7172% | 1,608 |
| Equity capital to assets | 9.0354% | 5,710 |
| Core capital (leverage) ratio | 8.7462% | 5,345 |
| Tier 1 risk-based capital ratio | 11.4286% | 6,285 |
| Total risk-based capital ratio | 12.6852% | 6,274 |
| Memoranda: | ||
| Average total assets | $461,134,000 | 1,438 |
| Average earning assets | $442,409,250 | 1,382 |
| Average equity | $41,673,500 | 1,622 |
| Average total loans | $371,906,500 | 1,153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 5,898 |
| Cost of funding earning assets | 0.9978% | 3,962 |
| Net interest margin | 3.3356% | 5,755 |
| Noninterest income to average assets | 1.1168% | 1,038 |
| Noninterest expense to average assets | 2.2353% | 6,288 |
| Loan and lease loss provision to assets | 0.2892% | 3,075 |
| Net operating income to assets | 1.1479% | 1,726 |
| Return on assets (ROA) | 1.1479% | 1,806 |
| Pretax return on assets | 1.7898% | 899 |
| Return on Equity (ROE) | 12.7012% | 1,275 |
| Retained earnings to average equity (ytd only) | 3.2335% | 4,205 |
| Net charge-offs to loans | 0.2800% | 3,486 |
| Credit loss provision to net charge-offs | 128.6550% | 2,373 |
| Earnings coverage of net charge-offs (x) | 9.2495% | 1,947 |
| Efficiency ratio | 51.8127% | 6,802 |
| Assets per employee ($millions) | 6.8413% | 796 |
| Cash dividends to net income (ytd only)* | 74.5420% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 3,611 |
| Loan loss allowance to noncurrent loans | 503.5685% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 5,921 |
| Noncurrent loans to loans | 0.3222% | 6,266 |
| Net loans and leases to total assets | 76.4282% | 1,013 |
| Net loans and leases to deposits | 85.4248% | 1,870 |
| Net loans and leases to core deposits | 97.9388% | 1,509 |
| Total domestic deposits to total assets | 89.4683% | 1,260 |
| Equity capital to assets | 8.4093% | 6,295 |
| Core capital (leverage) ratio | 8.2904% | 5,881 |
| Tier 1 risk-based capital ratio | 11.4150% | 6,238 |
| Total risk-based capital ratio | 12.6726% | 6,220 |
| Memoranda: | ||
| Average total assets | $456,483,670 | 1,461 |
| Average earning assets | $437,577,670 | 1,400 |
| Average equity | $41,256,000 | 1,625 |
| Average total loans | $366,484,000 | 1,186 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 5,767 |
| Cost of funding earning assets | 1.0359% | 3,949 |
| Net interest margin | 3.3421% | 5,636 |
| Noninterest income to average assets | 1.1568% | 971 |
| Noninterest expense to average assets | 2.3319% | 6,101 |
| Loan and lease loss provision to assets | 0.3011% | 2,752 |
| Net operating income to assets | 1.1194% | 1,769 |
| Return on assets (ROA) | 1.1194% | 1,819 |
| Pretax return on assets | 1.7234% | 944 |
| Return on Equity (ROE) | 11.9204% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.9204% | 748 |
| Net charge-offs to loans | 0.3248% | 2,758 |
| Credit loss provision to net charge-offs | 113.4021% | 2,368 |
| Earnings coverage of net charge-offs (x) | 7.6254% | 1,926 |
| Efficiency ratio | 53.5288% | 6,739 |
| Assets per employee ($millions) | 5.9985% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 3,349 |
| Loan loss allowance to noncurrent loans | 181.9565% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 5,092 |
| Noncurrent loans to loans | 0.9327% | 5,170 |
| Net loans and leases to total assets | 79.6173% | 550 |
| Net loans and leases to deposits | 89.7087% | 1,268 |
| Net loans and leases to core deposits | 102.7229% | 1,148 |
| Total domestic deposits to total assets | 88.7509% | 1,926 |
| Equity capital to assets | 9.4177% | 4,542 |
| Core capital (leverage) ratio | 8.8658% | 4,829 |
| Tier 1 risk-based capital ratio | 12.1545% | 5,546 |
| Total risk-based capital ratio | 13.4130% | 5,536 |
| Memoranda: | ||
| Average total assets | $438,440,000 | 1,519 |
| Average earning assets | $419,731,000 | 1,464 |
| Average equity | $41,173,000 | 1,620 |
| Average total loans | $358,390,000 | 1,222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 6,104 |
| Cost of funding earning assets | 1.2552% | 4,181 |
| Net interest margin | 3.3480% | 5,801 |
| Noninterest income to average assets | 1.0294% | 1,417 |
| Noninterest expense to average assets | 2.2627% | 6,450 |
| Loan and lease loss provision to assets | 0.3934% | 3,755 |
| Net operating income to assets | 1.0425% | 1,904 |
| Return on assets (ROA) | 1.0425% | 2,003 |
| Pretax return on assets | 1.5552% | 1,229 |
| Return on Equity (ROE) | 10.7267% | 1,675 |
| Retained earnings to average equity (ytd only) | 6.1650% | 1,736 |
| Net charge-offs to loans | 0.4552% | 3,798 |
| Credit loss provision to net charge-offs | 104.4444% | 4,300 |
| Earnings coverage of net charge-offs (x) | 5.1739% | 2,696 |
| Efficiency ratio | 53.7292% | 6,831 |
| Assets per employee ($millions) | 6.0985% | 1,152 |
| Cash dividends to net income (ytd only)* | 42.5266% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 3,226 |
| Loan loss allowance to noncurrent loans | 294.7010% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,754 |
| Noncurrent loans to loans | 0.5758% | 5,902 |
| Net loans and leases to total assets | 81.1113% | 531 |
| Net loans and leases to deposits | 91.7071% | 1,295 |
| Net loans and leases to core deposits | 105.0757% | 1,249 |
| Total domestic deposits to total assets | 88.4460% | 1,983 |
| Equity capital to assets | 9.3632% | 4,595 |
| Core capital (leverage) ratio | 8.6746% | 5,062 |
| Tier 1 risk-based capital ratio | 11.9831% | 5,487 |
| Total risk-based capital ratio | 13.2417% | 5,460 |
| Memoranda: | ||
| Average total assets | $406,246,200 | 1,627 |
| Average earning assets | $386,075,800 | 1,565 |
| Average equity | $39,481,000 | 1,675 |
| Average total loans | $336,115,000 | 1,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 6,272 |
| Cost of funding earning assets | 1.2857% | 4,323 |
| Net interest margin | 3.3380% | 5,894 |
| Noninterest income to average assets | 1.0291% | 1,376 |
| Noninterest expense to average assets | 2.1743% | 6,671 |
| Loan and lease loss provision to assets | 0.3003% | 4,169 |
| Net operating income to assets | 1.0975% | 1,892 |
| Return on assets (ROA) | 1.0975% | 2,003 |
| Pretax return on assets | 1.7202% | 1,073 |
| Return on Equity (ROE) | 11.1823% | 1,727 |
| Retained earnings to average equity (ytd only) | 5.0591% | 2,946 |
| Net charge-offs to loans | 0.4220% | 3,600 |
| Credit loss provision to net charge-offs | 85.9599% | 4,919 |
| Earnings coverage of net charge-offs (x) | 5.7832% | 2,679 |
| Efficiency ratio | 51.8336% | 6,996 |
| Assets per employee ($millions) | 6.0459% | 1,210 |
| Cash dividends to net income (ytd only)* | 54.7583% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 3,092 |
| Loan loss allowance to noncurrent loans | 949.1883% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 5,947 |
| Noncurrent loans to loans | 0.1813% | 6,823 |
| Net loans and leases to total assets | 81.2221% | 595 |
| Net loans and leases to deposits | 91.9758% | 1,450 |
| Net loans and leases to core deposits | 106.8848% | 1,247 |
| Total domestic deposits to total assets | 88.3081% | 1,784 |
| Equity capital to assets | 9.6387% | 4,641 |
| Core capital (leverage) ratio | 9.0796% | 4,558 |
| Tier 1 risk-based capital ratio | 12.0759% | 5,384 |
| Total risk-based capital ratio | 13.3345% | 5,349 |
| Memoranda: | ||
| Average total assets | $399,559,250 | 1,678 |
| Average earning assets | $378,939,250 | 1,611 |
| Average equity | $39,215,750 | 1,697 |
| Average total loans | $330,826,500 | 1,362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 6,431 |
| Cost of funding earning assets | 1.3198% | 4,417 |
| Net interest margin | 3.2893% | 6,050 |
| Noninterest income to average assets | 1.0184% | 1,326 |
| Noninterest expense to average assets | 2.0995% | 6,909 |
| Loan and lease loss provision to assets | 0.3033% | 3,974 |
| Net operating income to assets | 1.0968% | 1,865 |
| Return on assets (ROA) | 1.0968% | 1,935 |
| Pretax return on assets | 1.7321% | 995 |
| Return on Equity (ROE) | 11.1058% | 1,713 |
| Retained earnings to average equity (ytd only) | 11.1058% | 632 |
| Net charge-offs to loans | 0.5460% | 2,892 |
| Credit loss provision to net charge-offs | 67.0391% | 5,046 |
| Earnings coverage of net charge-offs (x) | 4.4994% | 2,937 |
| Efficiency ratio | 50.7762% | 7,172 |
| Assets per employee ($millions) | 6.5704% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 3,092 |
| Loan loss allowance to noncurrent loans | 626.9527% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 6,280 |
| Noncurrent loans to loans | 0.2709% | 6,689 |
| Net loans and leases to total assets | 80.9810% | 670 |
| Net loans and leases to deposits | 91.9187% | 1,548 |
| Net loans and leases to core deposits | 107.6525% | 1,328 |
| Total domestic deposits to total assets | 88.1008% | 1,949 |
| Equity capital to assets | 9.8954% | 4,147 |
| Core capital (leverage) ratio | 9.1143% | 4,441 |
| Tier 1 risk-based capital ratio | 12.4519% | 4,904 |
| Total risk-based capital ratio | 13.7101% | 4,875 |
| Memoranda: | ||
| Average total assets | $395,705,000 | 1,702 |
| Average earning assets | $374,908,330 | 1,649 |
| Average equity | $39,078,670 | 1,697 |
| Average total loans | $327,845,670 | 1,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 6,480 |
| Cost of funding earning assets | 1.3695% | 4,363 |
| Net interest margin | 3.2575% | 6,109 |
| Noninterest income to average assets | 1.0229% | 1,225 |
| Noninterest expense to average assets | 2.1391% | 6,838 |
| Loan and lease loss provision to assets | 0.3078% | 3,581 |
| Net operating income to assets | 1.0465% | 2,017 |
| Return on assets (ROA) | 1.0465% | 2,078 |
| Pretax return on assets | 1.6508% | 1,159 |
| Return on Equity (ROE) | 10.6076% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.6076% | 1,011 |
| Net charge-offs to loans | 0.3506% | 3,004 |
| Credit loss provision to net charge-offs | 105.6338% | 3,248 |
| Earnings coverage of net charge-offs (x) | 6.7218% | 2,178 |
| Efficiency ratio | 52.2033% | 7,131 |
| Assets per employee ($millions) | 6.5997% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,573 |
| Loan loss allowance to noncurrent loans | 556.4815% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 6,165 |
| Noncurrent loans to loans | 0.3327% | 6,629 |
| Net loans and leases to total assets | 80.4564% | 774 |
| Net loans and leases to deposits | 91.5026% | 1,682 |
| Net loans and leases to core deposits | 107.9852% | 1,419 |
| Total domestic deposits to total assets | 87.9280% | 2,107 |
| Equity capital to assets | 9.8363% | 4,069 |
| Core capital (leverage) ratio | 9.2133% | 4,199 |
| Tier 1 risk-based capital ratio | 12.5145% | 4,732 |
| Total risk-based capital ratio | 13.7752% | 4,681 |
| Memoranda: | ||
| Average total assets | $389,876,500 | 1,768 |
| Average earning assets | $368,016,500 | 1,710 |
| Average equity | $38,463,000 | 1,751 |
| Average total loans | $323,976,000 | 1,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 6,243 |
| Cost of funding earning assets | 1.5838% | 5,107 |
| Net interest margin | 3.4715% | 5,080 |
| Noninterest income to average assets | 1.2438% | 975 |
| Noninterest expense to average assets | 2.4612% | 6,265 |
| Loan and lease loss provision to assets | 0.5222% | 3,761 |
| Net operating income to assets | 1.0345% | 1,724 |
| Return on assets (ROA) | 1.0345% | 1,767 |
| Pretax return on assets | 1.5550% | 1,068 |
| Return on Equity (ROE) | 9.8966% | 1,721 |
| Retained earnings to average equity (ytd only) | 5.4972% | 1,579 |
| Net charge-offs to loans | 0.3028% | 4,740 |
| Credit loss provision to net charge-offs | 194.2589% | 2,045 |
| Earnings coverage of net charge-offs (x) | 7.7276% | 2,087 |
| Efficiency ratio | 54.2318% | 7,207 |
| Assets per employee ($millions) | 6.3962% | 1,029 |
| Cash dividends to net income (ytd only)* | 44.4535% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 2,396 |
| Loan loss allowance to noncurrent loans | 496.6031% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 6,200 |
| Noncurrent loans to loans | 0.3733% | 6,532 |
| Net loans and leases to total assets | 82.6938% | 576 |
| Net loans and leases to deposits | 96.0468% | 1,323 |
| Net loans and leases to core deposits | 118.2991% | 2,095 |
| Total domestic deposits to total assets | 86.0974% | 2,967 |
| Equity capital to assets | 9.8955% | 3,897 |
| Core capital (leverage) ratio | 9.2532% | 4,048 |
| Tier 1 risk-based capital ratio | 12.3721% | 4,621 |
| Total risk-based capital ratio | 13.6329% | 4,579 |
| Memoranda: | ||
| Average total assets | $356,405,800 | 1,905 |
| Average earning assets | $338,240,600 | 1,841 |
| Average equity | $37,255,200 | 1,803 |
| Average total loans | $316,377,600 | 1,519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 6,164 |
| Cost of funding earning assets | 1.6388% | 5,208 |
| Net interest margin | 3.4935% | 4,887 |
| Noninterest income to average assets | 1.2911% | 927 |
| Noninterest expense to average assets | 2.3594% | 6,532 |
| Loan and lease loss provision to assets | 0.2784% | 4,746 |
| Net operating income to assets | 1.2552% | 1,330 |
| Return on assets (ROA) | 1.2552% | 1,393 |
| Pretax return on assets | 1.9666% | 576 |
| Return on Equity (ROE) | 11.8352% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.9410% | 1,980 |
| Net charge-offs to loans | 0.3293% | 3,991 |
| Credit loss provision to net charge-offs | 93.9511% | 5,377 |
| Earnings coverage of net charge-offs (x) | 7.5753% | 2,386 |
| Efficiency ratio | 51.2425% | 7,469 |
| Assets per employee ($millions) | 5.8073% | 1,343 |
| Cash dividends to net income (ytd only)* | 49.8025% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,137 |
| Loan loss allowance to noncurrent loans | 260.6718% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 5,789 |
| Noncurrent loans to loans | 0.6009% | 6,104 |
| Net loans and leases to total assets | 88.0425% | 203 |
| Net loans and leases to deposits | 103.0516% | 840 |
| Net loans and leases to core deposits | 129.4630% | 1,467 |
| Total domestic deposits to total assets | 85.4354% | 3,003 |
| Equity capital to assets | 10.4216% | 3,594 |
| Core capital (leverage) ratio | 9.7806% | 3,541 |
| Tier 1 risk-based capital ratio | 12.4321% | 4,604 |
| Total risk-based capital ratio | 13.6893% | 4,546 |
| Memoranda: | ||
| Average total assets | $349,564,500 | 1,958 |
| Average earning assets | $331,542,000 | 1,890 |
| Average equity | $37,075,000 | 1,831 |
| Average total loans | $314,634,750 | 1,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 6,120 |
| Cost of funding earning assets | 1.6883% | 5,330 |
| Net interest margin | 3.5005% | 4,799 |
| Noninterest income to average assets | 1.3847% | 797 |
| Noninterest expense to average assets | 2.3238% | 6,690 |
| Loan and lease loss provision to assets | 0.3704% | 3,700 |
| Net operating income to assets | 1.2772% | 1,285 |
| Return on assets (ROA) | 1.2772% | 1,370 |
| Pretax return on assets | 2.0036% | 565 |
| Return on Equity (ROE) | 11.9700% | 1,417 |
| Retained earnings to average equity (ytd only) | 11.9700% | 448 |
| Net charge-offs to loans | 0.1179% | 4,982 |
| Credit loss provision to net charge-offs | 348.3696% | 1,332 |
| Earnings coverage of net charge-offs (x) | 22.3261% | 1,228 |
| Efficiency ratio | 49.4649% | 7,694 |
| Assets per employee ($millions) | 5.7212% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 2,180 |
| Loan loss allowance to noncurrent loans | 396.5690% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 6,234 |
| Noncurrent loans to loans | 0.4414% | 6,416 |
| Net loans and leases to total assets | 89.2222% | 171 |
| Net loans and leases to deposits | 105.5554% | 794 |
| Net loans and leases to core deposits | 134.6058% | 1,283 |
| Total domestic deposits to total assets | 84.5264% | 3,487 |
| Equity capital to assets | 10.8841% | 3,034 |
| Core capital (leverage) ratio | 9.8176% | 3,496 |
| Tier 1 risk-based capital ratio | 12.8425% | 4,252 |
| Total risk-based capital ratio | 14.1025% | 4,159 |
| Memoranda: | ||
| Average total assets | $346,069,000 | 2,000 |
| Average earning assets | $327,552,330 | 1,929 |
| Average equity | $36,925,670 | 1,853 |
| Average total loans | $312,165,670 | 1,588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 6,233 |
| Cost of funding earning assets | 1.7433% | 5,393 |
| Net interest margin | 3.4719% | 4,844 |
| Noninterest income to average assets | 1.0876% | 1,263 |
| Noninterest expense to average assets | 2.2484% | 6,698 |
| Loan and lease loss provision to assets | 0.1045% | 5,633 |
| Net operating income to assets | 1.2815% | 1,428 |
| Return on assets (ROA) | 1.2815% | 1,528 |
| Pretax return on assets | 2.0058% | 664 |
| Return on Equity (ROE) | 12.1332% | 1,619 |
| Retained earnings to average equity (ytd only) | 12.1332% | 763 |
| Net charge-offs to loans | -0.0077% | 7,244 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5846% | 7,457 |
| Assets per employee ($millions) | 5.9088% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 2,343 |
| Loan loss allowance to noncurrent loans | 353.5787% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 5,890 |
| Noncurrent loans to loans | 0.4645% | 6,254 |
| Net loans and leases to total assets | 87.6239% | 299 |
| Net loans and leases to deposits | 103.7786% | 1,022 |
| Net loans and leases to core deposits | 130.4136% | 1,633 |
| Total domestic deposits to total assets | 84.4335% | 3,497 |
| Equity capital to assets | 10.4225% | 3,546 |
| Core capital (leverage) ratio | 9.8143% | 3,621 |
| Tier 1 risk-based capital ratio | 12.4589% | 4,570 |
| Total risk-based capital ratio | 13.7174% | 4,490 |
| Memoranda: | ||
| Average total assets | $344,606,000 | 2,015 |
| Average earning assets | $324,665,500 | 1,951 |
| Average equity | $36,396,000 | 1,879 |
| Average total loans | $309,784,000 | 1,613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2772% | 4,085 |
| Cost of funding earning assets | 2.4454% | 4,503 |
| Net interest margin | 3.8317% | 3,885 |
| Noninterest income to average assets | 1.2325% | 979 |
| Noninterest expense to average assets | 2.4326% | 6,289 |
| Loan and lease loss provision to assets | 0.6617% | 2,192 |
| Net operating income to assets | 1.1164% | 2,083 |
| Return on assets (ROA) | 1.1164% | 1,999 |
| Pretax return on assets | 1.7049% | 1,133 |
| Return on Equity (ROE) | 10.2157% | 2,180 |
| Retained earnings to average equity (ytd only) | 5.9869% | 1,539 |
| Net charge-offs to loans | 0.2923% | 3,444 |
| Credit loss provision to net charge-offs | 253.2777% | 1,836 |
| Earnings coverage of net charge-offs (x) | 9.0584% | 2,761 |
| Efficiency ratio | 50.6878% | 7,613 |
| Assets per employee ($millions) | 5.7704% | 1,281 |
| Cash dividends to net income (ytd only)* | 41.3947% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 1,978 |
| Loan loss allowance to noncurrent loans | 1,097.1983% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 6,523 |
| Noncurrent loans to loans | 0.1528% | 6,951 |
| Net loans and leases to total assets | 89.2301% | 258 |
| Net loans and leases to deposits | 107.6697% | 997 |
| Net loans and leases to core deposits | 133.1121% | 1,647 |
| Total domestic deposits to total assets | 82.8739% | 3,823 |
| Equity capital to assets | 10.7090% | 3,288 |
| Core capital (leverage) ratio | 9.7921% | 3,656 |
| Tier 1 risk-based capital ratio | 12.3118% | 4,579 |
| Total risk-based capital ratio | 13.5701% | 4,455 |
| Memoranda: | ||
| Average total assets | $321,134,400 | 2,079 |
| Average earning assets | $298,924,400 | 2,045 |
| Average equity | $35,093,000 | 1,925 |
| Average total loans | $287,049,000 | 1,687 |