Home > Tri City National Bank > Performance and Condition Ratios
Tri City National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,233 |
| Cost of funding earning assets | 0.8319% | 3,658 |
| Net interest margin | 2.9129% | 3,453 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.6542% | 1,862 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.3398% | 3,975 |
| Return on assets (ROA) | 0.3220% | 3,996 |
| Pretax return on assets | 0.7386% | 3,360 |
| Return on Equity (ROE) | 4.8400% | 3,754 |
| Retained earnings to average equity (ytd only) | 0.2556% | 3,992 |
| Net charge-offs to loans | -0.0034% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.2327% | 1,052 |
| Assets per employee ($millions) | 6.0857% | 2,748 |
| Cash dividends to net income (ytd only)* | 94.7214% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,065 |
| Loan loss allowance to noncurrent loans | 220.7601% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 1,678 |
| Noncurrent loans to loans | 0.5621% | 1,395 |
| Net loans and leases to total assets | 55.7500% | 3,217 |
| Net loans and leases to deposits | 65.4992% | 3,204 |
| Net loans and leases to core deposits | 66.3960% | 3,481 |
| Total domestic deposits to total assets | 85.1200% | 2,276 |
| Equity capital to assets | 6.8735% | 3,984 |
| Core capital (leverage) ratio | 10.2589% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,012,293,600 | 571 |
| Average earning assets | $1,857,659,000 | 560 |
| Average equity | $133,824,600 | 741 |
| Average total loans | $1,180,836,000 | 641 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,253 |
| Cost of funding earning assets | 0.7317% | 3,694 |
| Net interest margin | 2.9294% | 3,482 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6533% | 1,786 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.6995% | 3,327 |
| Return on assets (ROA) | 0.6728% | 3,370 |
| Pretax return on assets | 0.7634% | 3,415 |
| Return on Equity (ROE) | 10.2100% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,855 |
| Net charge-offs to loans | -0.0035% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.6582% | 1,036 |
| Assets per employee ($millions) | 5.5078% | 3,175 |
| Cash dividends to net income (ytd only)* | 48.5149% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,235 |
| Loan loss allowance to noncurrent loans | 215.1189% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 1,666 |
| Noncurrent loans to loans | 0.5705% | 1,404 |
| Net loans and leases to total assets | 58.9700% | 2,944 |
| Net loans and leases to deposits | 69.1621% | 2,898 |
| Net loans and leases to core deposits | 69.9601% | 3,208 |
| Total domestic deposits to total assets | 85.2700% | 2,424 |
| Equity capital to assets | 6.2108% | 3,919 |
| Core capital (leverage) ratio | 10.5573% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,995,040,500 | 573 |
| Average earning assets | $1,840,308,750 | 564 |
| Average equity | $131,516,000 | 751 |
| Average total loans | $1,182,315,750 | 639 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,258 |
| Cost of funding earning assets | 0.6015% | 3,749 |
| Net interest margin | 2.9906% | 3,453 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.6591% | 1,753 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.7225% | 3,292 |
| Return on assets (ROA) | 0.6829% | 3,381 |
| Pretax return on assets | 0.7819% | 3,438 |
| Return on Equity (ROE) | 10.1600% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.2746% | 2,871 |
| Net charge-offs to loans | -0.0032% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.2801% | 1,067 |
| Assets per employee ($millions) | 5.3685% | 3,264 |
| Cash dividends to net income (ytd only)* | 48.1085% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,324 |
| Loan loss allowance to noncurrent loans | 211.2917% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 1,517 |
| Noncurrent loans to loans | 0.5787% | 1,291 |
| Net loans and leases to total assets | 59.5200% | 2,817 |
| Net loans and leases to deposits | 70.2631% | 2,761 |
| Net loans and leases to core deposits | 70.8704% | 3,074 |
| Total domestic deposits to total assets | 84.7200% | 2,616 |
| Equity capital to assets | 6.8289% | 3,879 |
| Core capital (leverage) ratio | 10.5027% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,997,282,000 | 562 |
| Average earning assets | $1,841,644,000 | 553 |
| Average equity | $134,191,000 | 726 |
| Average total loans | $1,180,714,000 | 625 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,236 |
| Cost of funding earning assets | 0.4433% | 3,855 |
| Net interest margin | 3.0811% | 3,393 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.5979% | 1,957 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 0.8327% | 3,082 |
| Return on assets (ROA) | 0.7567% | 3,277 |
| Pretax return on assets | 0.8982% | 3,243 |
| Return on Equity (ROE) | 11.3500% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.3394% | 2,676 |
| Net charge-offs to loans | -0.0027% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3134% | 1,311 |
| Assets per employee ($millions) | 5.3518% | 3,361 |
| Cash dividends to net income (ytd only)* | 44.1695% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,328 |
| Loan loss allowance to noncurrent loans | 164.0207% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 1,139 |
| Noncurrent loans to loans | 0.7566% | 1,015 |
| Net loans and leases to total assets | 58.6200% | 2,807 |
| Net loans and leases to deposits | 65.4630% | 2,977 |
| Net loans and leases to core deposits | 65.7094% | 3,249 |
| Total domestic deposits to total assets | 89.5500% | 1,321 |
| Equity capital to assets | 7.0811% | 3,792 |
| Core capital (leverage) ratio | 10.3130% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,008,110,500 | 577 |
| Average earning assets | $1,850,519,000 | 567 |
| Average equity | $133,829,500 | 735 |
| Average total loans | $1,175,798,000 | 635 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1771% | 3,857 |
| Cost of funding earning assets | 0.0976% | 4,402 |
| Net interest margin | 3.0794% | 3,229 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.6799% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8831% | 3,032 |
| Return on assets (ROA) | 0.8623% | 3,038 |
| Pretax return on assets | 1.0236% | 3,006 |
| Return on Equity (ROE) | 12.0000% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.3440% | 1,699 |
| Net charge-offs to loans | -0.0124% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.8787% | 1,455 |
| Assets per employee ($millions) | 5.4877% | 3,228 |
| Cash dividends to net income (ytd only)* | 30.4766% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,566 |
| Loan loss allowance to noncurrent loans | 166.6099% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 1,274 |
| Noncurrent loans to loans | 0.6976% | 1,074 |
| Net loans and leases to total assets | 57.1000% | 2,909 |
| Net loans and leases to deposits | 61.5180% | 3,234 |
| Net loans and leases to core deposits | 61.7175% | 3,410 |
| Total domestic deposits to total assets | 92.8200% | 445 |
| Equity capital to assets | 6.2614% | 3,994 |
| Core capital (leverage) ratio | 10.2866% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,048,786,000 | 536 |
| Average earning assets | $1,905,944,400 | 525 |
| Average equity | $147,196,400 | 688 |
| Average total loans | $1,078,508,800 | 640 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 3,765 |
| Cost of funding earning assets | 0.0647% | 4,503 |
| Net interest margin | 2.9968% | 3,227 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.6047% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8268% | 3,147 |
| Return on assets (ROA) | 0.8268% | 3,114 |
| Pretax return on assets | 0.9748% | 3,094 |
| Return on Equity (ROE) | 11.1500% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.0784% | 1,970 |
| Net charge-offs to loans | -0.0196% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7662% | 1,414 |
| Assets per employee ($millions) | 5.3566% | 3,367 |
| Cash dividends to net income (ytd only)* | 27.5558% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,259 |
| Loan loss allowance to noncurrent loans | 155.9468% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 1,256 |
| Noncurrent loans to loans | 0.8013% | 999 |
| Net loans and leases to total assets | 53.4400% | 3,148 |
| Net loans and leases to deposits | 57.3693% | 3,384 |
| Net loans and leases to core deposits | 57.5555% | 3,530 |
| Total domestic deposits to total assets | 93.1500% | 541 |
| Equity capital to assets | 5.7588% | 4,056 |
| Core capital (leverage) ratio | 9.9685% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,050,629,250 | 535 |
| Average earning assets | $1,913,512,750 | 525 |
| Average equity | $152,040,250 | 678 |
| Average total loans | $1,053,306,250 | 654 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9803% | 3,604 |
| Cost of funding earning assets | 0.0414% | 4,644 |
| Net interest margin | 2.9389% | 3,060 |
| Noninterest income to average assets | 0.7886% | 1,075 |
| Noninterest expense to average assets | 2.5742% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8223% | 2,878 |
| Return on assets (ROA) | 0.8223% | 2,850 |
| Pretax return on assets | 0.9641% | 2,852 |
| Return on Equity (ROE) | 10.3316% | 2,215 |
| Retained earnings to average equity (ytd only) | 7.4785% | 1,822 |
| Net charge-offs to loans | -0.0301% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7527% | 1,661 |
| Assets per employee ($millions) | 5.2353% | 3,486 |
| Cash dividends to net income (ytd only)* | 27.6156% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,192 |
| Loan loss allowance to noncurrent loans | 447.6361% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,664 |
| Noncurrent loans to loans | 0.2904% | 2,310 |
| Net loans and leases to total assets | 51.1764% | 3,249 |
| Net loans and leases to deposits | 55.5496% | 3,418 |
| Net loans and leases to core deposits | 55.7190% | 3,590 |
| Total domestic deposits to total assets | 92.1274% | 788 |
| Equity capital to assets | 6.9974% | 3,772 |
| Core capital (leverage) ratio | 9.7419% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,057,459,667 | 534 |
| Average earning assets | $1,924,974,333 | 524 |
| Average equity | $163,749,667 | 648 |
| Average total loans | $1,038,211,667 | 650 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9126% | 3,501 |
| Cost of funding earning assets | 0.0351% | 4,689 |
| Net interest margin | 2.8776% | 2,904 |
| Noninterest income to average assets | 0.6946% | 1,332 |
| Noninterest expense to average assets | 2.5655% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7099% | 3,019 |
| Return on assets (ROA) | 0.7099% | 3,003 |
| Pretax return on assets | 0.8283% | 3,017 |
| Return on Equity (ROE) | 8.4188% | 2,546 |
| Retained earnings to average equity (ytd only) | 5.7395% | 2,338 |
| Net charge-offs to loans | -0.0132% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5942% | 1,576 |
| Assets per employee ($millions) | 5.5281% | 3,295 |
| Cash dividends to net income (ytd only)* | 31.8256% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,342 |
| Loan loss allowance to noncurrent loans | 464.5613% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 2,804 |
| Noncurrent loans to loans | 0.2807% | 2,466 |
| Net loans and leases to total assets | 49.5376% | 3,221 |
| Net loans and leases to deposits | 54.4471% | 3,385 |
| Net loans and leases to core deposits | 54.6176% | 3,553 |
| Total domestic deposits to total assets | 90.9829% | 1,045 |
| Equity capital to assets | 7.6024% | 3,856 |
| Core capital (leverage) ratio | 9.4201% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,067,921,000 | 533 |
| Average earning assets | $1,939,703,000 | 525 |
| Average equity | $174,372,000 | 621 |
| Average total loans | $1,029,340,000 | 648 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 3,965 |
| Cost of funding earning assets | 0.0519% | 4,680 |
| Net interest margin | 2.8983% | 3,443 |
| Noninterest income to average assets | 0.8895% | 1,235 |
| Noninterest expense to average assets | 2.6540% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7949% | 3,349 |
| Return on assets (ROA) | 0.7939% | 3,421 |
| Pretax return on assets | 0.9438% | 3,390 |
| Return on Equity (ROE) | 8.1687% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.3168% | 2,219 |
| Net charge-offs to loans | -0.0471% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7440% | 1,334 |
| Assets per employee ($millions) | 5.4139% | 3,342 |
| Cash dividends to net income (ytd only)* | 22.6708% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,197 |
| Loan loss allowance to noncurrent loans | 399.3233% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,782 |
| Noncurrent loans to loans | 0.3347% | 2,385 |
| Net loans and leases to total assets | 48.6969% | 3,436 |
| Net loans and leases to deposits | 54.2098% | 3,586 |
| Net loans and leases to core deposits | 54.4326% | 3,728 |
| Total domestic deposits to total assets | 89.8304% | 1,045 |
| Equity capital to assets | 9.2707% | 3,350 |
| Core capital (leverage) ratio | 9.3640% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,946,784,800 | 546 |
| Average earning assets | $1,819,912,000 | 542 |
| Average equity | $189,209,800 | 570 |
| Average total loans | $989,559,000 | 663 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9474% | 4,085 |
| Cost of funding earning assets | 0.0570% | 4,746 |
| Net interest margin | 2.8904% | 3,576 |
| Noninterest income to average assets | 0.9280% | 1,194 |
| Noninterest expense to average assets | 2.6899% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7921% | 3,543 |
| Return on assets (ROA) | 0.7908% | 3,615 |
| Pretax return on assets | 0.9341% | 3,623 |
| Return on Equity (ROE) | 8.0373% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.3879% | 2,658 |
| Net charge-offs to loans | -0.0462% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1942% | 1,201 |
| Assets per employee ($millions) | 5.1873% | 3,518 |
| Cash dividends to net income (ytd only)* | 20.5218% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,275 |
| Loan loss allowance to noncurrent loans | 327.6005% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,765 |
| Noncurrent loans to loans | 0.4091% | 2,334 |
| Net loans and leases to total assets | 49.1814% | 3,506 |
| Net loans and leases to deposits | 54.9355% | 3,659 |
| Net loans and leases to core deposits | 55.1435% | 3,846 |
| Total domestic deposits to total assets | 89.5256% | 997 |
| Equity capital to assets | 9.4824% | 3,388 |
| Core capital (leverage) ratio | 9.4811% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,919,164,500 | 561 |
| Average earning assets | $1,791,110,000 | 555 |
| Average equity | $188,831,750 | 576 |
| Average total loans | $983,099,500 | 681 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8926% | 4,234 |
| Cost of funding earning assets | 0.0595% | 4,788 |
| Net interest margin | 2.8331% | 3,715 |
| Noninterest income to average assets | 0.9185% | 1,222 |
| Noninterest expense to average assets | 2.7277% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7201% | 3,712 |
| Return on assets (ROA) | 0.7181% | 3,779 |
| Pretax return on assets | 0.8311% | 3,801 |
| Return on Equity (ROE) | 7.2056% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.9641% | 2,816 |
| Net charge-offs to loans | -0.0586% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5952% | 1,021 |
| Assets per employee ($millions) | 4.6664% | 3,962 |
| Cash dividends to net income (ytd only)* | 17.2297% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,264 |
| Loan loss allowance to noncurrent loans | 311.6826% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 2,831 |
| Noncurrent loans to loans | 0.4285% | 2,393 |
| Net loans and leases to total assets | 50.7284% | 3,482 |
| Net loans and leases to deposits | 57.0216% | 3,635 |
| Net loans and leases to core deposits | 57.2284% | 3,816 |
| Total domestic deposits to total assets | 88.9636% | 1,300 |
| Equity capital to assets | 9.7100% | 3,132 |
| Core capital (leverage) ratio | 9.5930% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,887,993,333 | 562 |
| Average earning assets | $1,761,044,333 | 554 |
| Average equity | $188,158,667 | 572 |
| Average total loans | $976,362,333 | 692 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8602% | 4,303 |
| Cost of funding earning assets | 0.0618% | 4,820 |
| Net interest margin | 2.7984% | 3,768 |
| Noninterest income to average assets | 0.9154% | 1,286 |
| Noninterest expense to average assets | 2.7459% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6793% | 3,758 |
| Return on assets (ROA) | 0.6752% | 3,835 |
| Pretax return on assets | 0.7689% | 3,871 |
| Return on Equity (ROE) | 6.6845% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.6845% | 2,670 |
| Net charge-offs to loans | -0.0627% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0192% | 952 |
| Assets per employee ($millions) | 4.4512% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,098 |
| Loan loss allowance to noncurrent loans | 264.6836% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 2,836 |
| Noncurrent loans to loans | 0.5181% | 2,300 |
| Net loans and leases to total assets | 49.8231% | 3,644 |
| Net loans and leases to deposits | 56.5636% | 3,755 |
| Net loans and leases to core deposits | 56.7741% | 3,922 |
| Total domestic deposits to total assets | 88.0834% | 1,809 |
| Equity capital to assets | 9.7234% | 2,974 |
| Core capital (leverage) ratio | 10.0584% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,856,705,500 | 565 |
| Average earning assets | $1,727,862,500 | 557 |
| Average equity | $187,538,000 | 569 |
| Average total loans | $963,100,500 | 696 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 4,010 |
| Cost of funding earning assets | 0.0963% | 4,870 |
| Net interest margin | 3.4134% | 2,736 |
| Noninterest income to average assets | 1.0264% | 998 |
| Noninterest expense to average assets | 3.0563% | 1,315 |
| Loan and lease loss provision to assets | 0.0921% | 3,198 |
| Net operating income to assets | 0.8729% | 2,821 |
| Return on assets (ROA) | 0.8729% | 2,955 |
| Pretax return on assets | 1.0275% | 2,949 |
| Return on Equity (ROE) | 7.8609% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.2779% | 2,149 |
| Net charge-offs to loans | -0.0562% | 4,690 |
| Credit loss provision to net charge-offs | -280.8989% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1888% | 1,544 |
| Assets per employee ($millions) | 4.0619% | 4,328 |
| Cash dividends to net income (ytd only)* | 32.8598% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,118 |
| Loan loss allowance to noncurrent loans | 265.1092% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 2,919 |
| Noncurrent loans to loans | 0.5154% | 2,427 |
| Net loans and leases to total assets | 52.5851% | 3,625 |
| Net loans and leases to deposits | 60.0338% | 3,763 |
| Net loans and leases to core deposits | 60.2837% | 3,929 |
| Total domestic deposits to total assets | 87.5925% | 1,664 |
| Equity capital to assets | 10.5017% | 2,672 |
| Core capital (leverage) ratio | 10.1828% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,628,860,000 | 576 |
| Average earning assets | $1,502,940,800 | 570 |
| Average equity | $180,868,800 | 555 |
| Average total loans | $950,984,200 | 674 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,144 |
| Cost of funding earning assets | 0.1064% | 4,913 |
| Net interest margin | 3.4307% | 2,814 |
| Noninterest income to average assets | 1.0308% | 978 |
| Noninterest expense to average assets | 3.1006% | 1,237 |
| Loan and lease loss provision to assets | 0.0757% | 3,380 |
| Net operating income to assets | 0.8600% | 2,862 |
| Return on assets (ROA) | 0.8600% | 2,997 |
| Pretax return on assets | 1.0166% | 3,009 |
| Return on Equity (ROE) | 7.6273% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.0151% | 2,551 |
| Net charge-offs to loans | -0.0899% | 4,805 |
| Credit loss provision to net charge-offs | -140.6250% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9505% | 1,408 |
| Assets per employee ($millions) | 4.1347% | 4,209 |
| Cash dividends to net income (ytd only)* | 34.2489% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,322 |
| Loan loss allowance to noncurrent loans | 218.5583% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 2,812 |
| Noncurrent loans to loans | 0.5787% | 2,351 |
| Net loans and leases to total assets | 56.8378% | 3,539 |
| Net loans and leases to deposits | 65.4247% | 3,667 |
| Net loans and leases to core deposits | 65.7210% | 3,909 |
| Total domestic deposits to total assets | 86.8751% | 1,717 |
| Equity capital to assets | 10.7469% | 2,591 |
| Core capital (leverage) ratio | 10.3908% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,586,221,000 | 574 |
| Average earning assets | $1,462,003,500 | 568 |
| Average equity | $178,843,500 | 553 |
| Average total loans | $948,897,500 | 671 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,212 |
| Cost of funding earning assets | 0.1238% | 4,935 |
| Net interest margin | 3.5076% | 2,762 |
| Noninterest income to average assets | 0.9690% | 1,040 |
| Noninterest expense to average assets | 3.1148% | 1,323 |
| Loan and lease loss provision to assets | 0.0781% | 3,322 |
| Net operating income to assets | 0.8478% | 2,876 |
| Return on assets (ROA) | 0.8478% | 2,989 |
| Pretax return on assets | 0.9980% | 3,039 |
| Return on Equity (ROE) | 7.3890% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.7405% | 2,589 |
| Net charge-offs to loans | -0.0976% | 4,840 |
| Credit loss provision to net charge-offs | -131.8681% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3241% | 1,432 |
| Assets per employee ($millions) | 4.1142% | 4,190 |
| Cash dividends to net income (ytd only)* | 35.8447% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,444 |
| Loan loss allowance to noncurrent loans | 219.5510% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 2,996 |
| Noncurrent loans to loans | 0.5532% | 2,507 |
| Net loans and leases to total assets | 58.6253% | 3,457 |
| Net loans and leases to deposits | 67.7678% | 3,592 |
| Net loans and leases to core deposits | 68.0840% | 3,860 |
| Total domestic deposits to total assets | 86.5091% | 1,803 |
| Equity capital to assets | 10.9017% | 2,421 |
| Core capital (leverage) ratio | 11.0370% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,537,475,667 | 579 |
| Average earning assets | $1,412,245,667 | 574 |
| Average equity | $176,396,333 | 557 |
| Average total loans | $932,762,333 | 675 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 4,087 |
| Cost of funding earning assets | 0.1632% | 4,954 |
| Net interest margin | 3.7126% | 2,281 |
| Noninterest income to average assets | 0.9762% | 904 |
| Noninterest expense to average assets | 3.4084% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8241% | 2,815 |
| Return on assets (ROA) | 0.8241% | 2,900 |
| Pretax return on assets | 0.9593% | 2,965 |
| Return on Equity (ROE) | 6.9832% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.2806% | 2,579 |
| Net charge-offs to loans | -0.0493% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0369% | 1,329 |
| Assets per employee ($millions) | 3.6384% | 4,341 |
| Cash dividends to net income (ytd only)* | 38.7011% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,416 |
| Loan loss allowance to noncurrent loans | 221.7288% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 3,057 |
| Noncurrent loans to loans | 0.5621% | 2,591 |
| Net loans and leases to total assets | 60.5850% | 3,438 |
| Net loans and leases to deposits | 70.1961% | 3,576 |
| Net loans and leases to core deposits | 70.5588% | 3,846 |
| Total domestic deposits to total assets | 86.3081% | 1,870 |
| Equity capital to assets | 11.8533% | 2,179 |
| Core capital (leverage) ratio | 11.7865% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2615% | 1,107 |
| Memoranda: | ||
| Average total assets | $1,464,861,500 | 578 |
| Average earning assets | $1,338,131,000 | 578 |
| Average equity | $172,873,000 | 564 |
| Average total loans | $899,834,500 | 669 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 3,995 |
| Cost of funding earning assets | 0.1738% | 5,009 |
| Net interest margin | 3.9484% | 2,007 |
| Noninterest income to average assets | 1.2076% | 646 |
| Noninterest expense to average assets | 3.2733% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2981% | 1,694 |
| Return on assets (ROA) | 1.2981% | 1,770 |
| Pretax return on assets | 1.5566% | 1,628 |
| Return on Equity (ROE) | 11.4770% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.5669% | 815 |
| Net charge-offs to loans | -0.0087% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7717% | 2,494 |
| Assets per employee ($millions) | 3.5181% | 4,467 |
| Cash dividends to net income (ytd only)* | 25.3556% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,297 |
| Loan loss allowance to noncurrent loans | 221.5043% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 3,047 |
| Noncurrent loans to loans | 0.5540% | 2,518 |
| Net loans and leases to total assets | 60.7513% | 3,528 |
| Net loans and leases to deposits | 69.9996% | 3,671 |
| Net loans and leases to core deposits | 70.3713% | 3,943 |
| Total domestic deposits to total assets | 86.7881% | 1,713 |
| Equity capital to assets | 11.7495% | 2,318 |
| Core capital (leverage) ratio | 11.6025% | 2,037 |
| Tier 1 risk-based capital ratio | 16.8832% | 2,088 |
| Total risk-based capital ratio | 17.9743% | 2,079 |
| Memoranda: | ||
| Average total assets | $1,440,767,200 | 568 |
| Average earning assets | $1,321,783,800 | 566 |
| Average equity | $162,952,200 | 570 |
| Average total loans | $905,766,600 | 638 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 4,135 |
| Cost of funding earning assets | 0.1800% | 5,072 |
| Net interest margin | 3.9281% | 2,168 |
| Noninterest income to average assets | 1.2683% | 570 |
| Noninterest expense to average assets | 3.2992% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3019% | 1,856 |
| Return on assets (ROA) | 1.3019% | 1,935 |
| Pretax return on assets | 1.5803% | 1,702 |
| Return on Equity (ROE) | 11.6263% | 1,747 |
| Retained earnings to average equity (ytd only) | 8.6591% | 1,146 |
| Net charge-offs to loans | -0.0122% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6129% | 2,479 |
| Assets per employee ($millions) | 3.5340% | 4,465 |
| Cash dividends to net income (ytd only)* | 25.5213% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,350 |
| Loan loss allowance to noncurrent loans | 224.2308% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 3,155 |
| Noncurrent loans to loans | 0.5471% | 2,657 |
| Net loans and leases to total assets | 61.6989% | 3,523 |
| Net loans and leases to deposits | 71.1723% | 3,673 |
| Net loans and leases to core deposits | 71.6300% | 3,967 |
| Total domestic deposits to total assets | 86.6895% | 1,686 |
| Equity capital to assets | 11.7207% | 2,486 |
| Core capital (leverage) ratio | 11.6260% | 2,126 |
| Tier 1 risk-based capital ratio | 16.7902% | 2,154 |
| Total risk-based capital ratio | 17.8985% | 2,139 |
| Memoranda: | ||
| Average total assets | $1,434,192,000 | 575 |
| Average earning assets | $1,318,465,500 | 570 |
| Average equity | $160,597,000 | 581 |
| Average total loans | $906,624,250 | 638 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 4,121 |
| Cost of funding earning assets | 0.1824% | 5,110 |
| Net interest margin | 3.9331% | 2,143 |
| Noninterest income to average assets | 1.1092% | 693 |
| Noninterest expense to average assets | 3.3016% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1592% | 2,295 |
| Return on assets (ROA) | 1.1592% | 2,366 |
| Pretax return on assets | 1.4256% | 2,124 |
| Return on Equity (ROE) | 10.5177% | 2,167 |
| Retained earnings to average equity (ytd only) | 7.4655% | 1,619 |
| Net charge-offs to loans | -0.0225% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8432% | 2,247 |
| Assets per employee ($millions) | 3.6353% | 4,337 |
| Cash dividends to net income (ytd only)* | 29.0194% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,369 |
| Loan loss allowance to noncurrent loans | 235.2841% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,220 |
| Noncurrent loans to loans | 0.5222% | 2,715 |
| Net loans and leases to total assets | 62.1186% | 3,534 |
| Net loans and leases to deposits | 71.5054% | 3,723 |
| Net loans and leases to core deposits | 72.1085% | 3,997 |
| Total domestic deposits to total assets | 86.8726% | 1,654 |
| Equity capital to assets | 11.4365% | 2,662 |
| Core capital (leverage) ratio | 11.3746% | 2,269 |
| Tier 1 risk-based capital ratio | 16.4544% | 2,255 |
| Total risk-based capital ratio | 17.5727% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,430,447,330 | 572 |
| Average earning assets | $1,315,849,330 | 571 |
| Average equity | $157,658,000 | 588 |
| Average total loans | $907,869,330 | 636 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 4,081 |
| Cost of funding earning assets | 0.1948% | 5,128 |
| Net interest margin | 3.9226% | 2,121 |
| Noninterest income to average assets | 1.2098% | 557 |
| Noninterest expense to average assets | 3.3113% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2521% | 1,880 |
| Return on assets (ROA) | 1.2521% | 1,927 |
| Pretax return on assets | 1.5026% | 1,759 |
| Return on Equity (ROE) | 11.5795% | 1,702 |
| Retained earnings to average equity (ytd only) | 8.3717% | 1,525 |
| Net charge-offs to loans | -0.0189% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7871% | 2,527 |
| Assets per employee ($millions) | 3.5887% | 4,480 |
| Cash dividends to net income (ytd only)* | 27.7019% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,527 |
| Loan loss allowance to noncurrent loans | 274.5522% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,499 |
| Noncurrent loans to loans | 0.4404% | 3,000 |
| Net loans and leases to total assets | 62.1939% | 3,483 |
| Net loans and leases to deposits | 71.0604% | 3,682 |
| Net loans and leases to core deposits | 71.7323% | 3,965 |
| Total domestic deposits to total assets | 87.5225% | 1,563 |
| Equity capital to assets | 10.9112% | 2,942 |
| Core capital (leverage) ratio | 11.4203% | 2,197 |
| Tier 1 risk-based capital ratio | 16.0127% | 2,434 |
| Total risk-based capital ratio | 17.1131% | 2,436 |
| Memoranda: | ||
| Average total assets | $1,427,702,500 | 574 |
| Average earning assets | $1,311,796,500 | 578 |
| Average equity | $154,376,500 | 596 |
| Average total loans | $910,264,000 | 636 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 4,023 |
| Cost of funding earning assets | 0.1446% | 5,192 |
| Net interest margin | 3.8570% | 2,476 |
| Noninterest income to average assets | 1.1447% | 701 |
| Noninterest expense to average assets | 3.1799% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2086% | 2,123 |
| Return on assets (ROA) | 1.2086% | 2,122 |
| Pretax return on assets | 1.5329% | 1,671 |
| Return on Equity (ROE) | 11.8200% | 1,779 |
| Retained earnings to average equity (ytd only) | 8.7696% | 947 |
| Net charge-offs to loans | -0.0300% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4732% | 2,629 |
| Assets per employee ($millions) | 3.3788% | 4,681 |
| Cash dividends to net income (ytd only)* | 25.8068% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,510 |
| Loan loss allowance to noncurrent loans | 250.3758% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,272 |
| Noncurrent loans to loans | 0.4837% | 2,826 |
| Net loans and leases to total assets | 63.8025% | 3,380 |
| Net loans and leases to deposits | 71.7006% | 3,697 |
| Net loans and leases to core deposits | 72.3691% | 3,965 |
| Total domestic deposits to total assets | 88.9846% | 865 |
| Equity capital to assets | 10.7115% | 2,967 |
| Core capital (leverage) ratio | 11.2348% | 2,317 |
| Tier 1 risk-based capital ratio | 16.0153% | 2,397 |
| Total risk-based capital ratio | 17.1341% | 2,387 |
| Memoranda: | ||
| Average total assets | $1,404,956,600 | 565 |
| Average earning assets | $1,299,707,400 | 560 |
| Average equity | $143,655,200 | 605 |
| Average total loans | $869,140,400 | 642 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 4,091 |
| Cost of funding earning assets | 0.1383% | 5,251 |
| Net interest margin | 3.8073% | 2,615 |
| Noninterest income to average assets | 1.1423% | 722 |
| Noninterest expense to average assets | 3.1799% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1733% | 2,348 |
| Return on assets (ROA) | 1.1733% | 2,354 |
| Pretax return on assets | 1.4917% | 1,926 |
| Return on Equity (ROE) | 11.6130% | 1,949 |
| Retained earnings to average equity (ytd only) | 8.5092% | 1,415 |
| Net charge-offs to loans | -0.0428% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0685% | 2,527 |
| Assets per employee ($millions) | 3.6799% | 4,333 |
| Cash dividends to net income (ytd only)* | 26.7271% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,457 |
| Loan loss allowance to noncurrent loans | 248.5663% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 3,425 |
| Noncurrent loans to loans | 0.4944% | 2,909 |
| Net loans and leases to total assets | 63.2737% | 3,513 |
| Net loans and leases to deposits | 70.7589% | 3,858 |
| Net loans and leases to core deposits | 71.4358% | 4,113 |
| Total domestic deposits to total assets | 89.4216% | 697 |
| Equity capital to assets | 10.2892% | 3,345 |
| Core capital (leverage) ratio | 10.9627% | 2,618 |
| Tier 1 risk-based capital ratio | 15.8518% | 2,506 |
| Total risk-based capital ratio | 16.9862% | 2,489 |
| Memoranda: | ||
| Average total assets | $1,404,801,000 | 566 |
| Average earning assets | $1,302,219,250 | 559 |
| Average equity | $141,929,250 | 609 |
| Average total loans | $859,478,500 | 641 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,153 |
| Cost of funding earning assets | 0.1324% | 5,312 |
| Net interest margin | 3.7390% | 2,794 |
| Noninterest income to average assets | 1.0650% | 853 |
| Noninterest expense to average assets | 3.1572% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0832% | 2,653 |
| Return on assets (ROA) | 1.0832% | 2,660 |
| Pretax return on assets | 1.3716% | 2,253 |
| Return on Equity (ROE) | 10.7871% | 2,199 |
| Retained earnings to average equity (ytd only) | 7.6359% | 1,780 |
| Net charge-offs to loans | -0.0302% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7134% | 2,365 |
| Assets per employee ($millions) | 3.4403% | 4,671 |
| Cash dividends to net income (ytd only)* | 29.2126% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,389 |
| Loan loss allowance to noncurrent loans | 217.4810% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 3,151 |
| Noncurrent loans to loans | 0.5783% | 2,689 |
| Net loans and leases to total assets | 60.4483% | 3,769 |
| Net loans and leases to deposits | 67.3756% | 4,062 |
| Net loans and leases to core deposits | 68.0247% | 4,252 |
| Total domestic deposits to total assets | 89.7185% | 661 |
| Equity capital to assets | 10.0449% | 3,578 |
| Core capital (leverage) ratio | 10.7501% | 2,755 |
| Tier 1 risk-based capital ratio | 15.9924% | 2,441 |
| Total risk-based capital ratio | 17.1490% | 2,417 |
| Memoranda: | ||
| Average total assets | $1,406,953,000 | 565 |
| Average earning assets | $1,303,407,670 | 559 |
| Average equity | $141,279,330 | 607 |
| Average total loans | $847,373,330 | 651 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 4,074 |
| Cost of funding earning assets | 0.1342% | 5,341 |
| Net interest margin | 3.7193% | 2,732 |
| Noninterest income to average assets | 1.0863% | 780 |
| Noninterest expense to average assets | 3.1558% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0737% | 2,551 |
| Return on assets (ROA) | 1.0737% | 2,562 |
| Pretax return on assets | 1.3689% | 2,110 |
| Return on Equity (ROE) | 10.6949% | 2,086 |
| Retained earnings to average equity (ytd only) | 7.4399% | 2,082 |
| Net charge-offs to loans | -0.0948% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7452% | 2,524 |
| Assets per employee ($millions) | 3.3881% | 4,806 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,323 |
| Loan loss allowance to noncurrent loans | 195.6335% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,231 |
| Noncurrent loans to loans | 0.6556% | 2,585 |
| Net loans and leases to total assets | 60.2812% | 3,725 |
| Net loans and leases to deposits | 67.2109% | 4,007 |
| Net loans and leases to core deposits | 67.8743% | 4,225 |
| Total domestic deposits to total assets | 89.6896% | 788 |
| Equity capital to assets | 10.0407% | 3,553 |
| Core capital (leverage) ratio | 10.6999% | 2,741 |
| Tier 1 risk-based capital ratio | 15.8792% | 2,531 |
| Total risk-based capital ratio | 17.0569% | 2,502 |
| Memoranda: | ||
| Average total assets | $1,405,172,000 | 571 |
| Average earning assets | $1,299,069,000 | 563 |
| Average equity | $141,076,500 | 611 |
| Average total loans | $839,313,000 | 653 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,452 |
| Cost of funding earning assets | 0.1198% | 5,412 |
| Net interest margin | 3.5287% | 3,431 |
| Noninterest income to average assets | 1.0556% | 908 |
| Noninterest expense to average assets | 3.0255% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7679% | 3,312 |
| Return on assets (ROA) | 0.7679% | 3,351 |
| Pretax return on assets | 1.3052% | 2,324 |
| Return on Equity (ROE) | 7.6869% | 2,957 |
| Retained earnings to average equity (ytd only) | 4.5663% | 2,417 |
| Net charge-offs to loans | 0.0648% | 2,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 35.0115% | 1,375 |
| Efficiency ratio | 69.8623% | 2,578 |
| Assets per employee ($millions) | 3.4001% | 4,824 |
| Cash dividends to net income (ytd only)* | 40.5966% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,223 |
| Loan loss allowance to noncurrent loans | 212.2824% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,400 |
| Noncurrent loans to loans | 0.6119% | 2,703 |
| Net loans and leases to total assets | 57.6549% | 4,042 |
| Net loans and leases to deposits | 64.2808% | 4,304 |
| Net loans and leases to core deposits | 65.0124% | 4,473 |
| Total domestic deposits to total assets | 89.6922% | 690 |
| Equity capital to assets | 10.0389% | 3,662 |
| Core capital (leverage) ratio | 10.3724% | 2,994 |
| Tier 1 risk-based capital ratio | 15.8046% | 2,514 |
| Total risk-based capital ratio | 16.9803% | 2,482 |
| Memoranda: | ||
| Average total assets | $1,405,640,600 | 546 |
| Average earning assets | $1,304,598,600 | 542 |
| Average equity | $140,420,200 | 580 |
| Average total loans | $808,219,800 | 652 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5924% | 4,582 |
| Cost of funding earning assets | 0.1193% | 5,481 |
| Net interest margin | 3.4731% | 3,592 |
| Noninterest income to average assets | 1.0757% | 883 |
| Noninterest expense to average assets | 3.0310% | 2,030 |
| Loan and lease loss provision to assets | 0.0285% | 3,559 |
| Net operating income to assets | 0.8208% | 3,434 |
| Return on assets (ROA) | 0.8208% | 3,473 |
| Pretax return on assets | 1.2503% | 2,706 |
| Return on Equity (ROE) | 8.2268% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.0808% | 2,831 |
| Net charge-offs to loans | 0.0121% | 3,304 |
| Credit loss provision to net charge-offs | 410.9589% | 753 |
| Earnings coverage of net charge-offs (x) | 184.3990% | 463 |
| Efficiency ratio | 70.3280% | 2,486 |
| Assets per employee ($millions) | 3.1937% | 5,071 |
| Cash dividends to net income (ytd only)* | 38.2407% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,827 |
| Loan loss allowance to noncurrent loans | 270.0212% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,793 |
| Noncurrent loans to loans | 0.5250% | 3,122 |
| Net loans and leases to total assets | 57.8861% | 4,070 |
| Net loans and leases to deposits | 64.9167% | 4,322 |
| Net loans and leases to core deposits | 65.7225% | 4,501 |
| Total domestic deposits to total assets | 89.1698% | 795 |
| Equity capital to assets | 10.4166% | 3,457 |
| Core capital (leverage) ratio | 10.0660% | 3,484 |
| Tier 1 risk-based capital ratio | 16.1256% | 2,448 |
| Total risk-based capital ratio | 17.3761% | 2,392 |
| Memoranda: | ||
| Average total assets | $1,403,443,500 | 545 |
| Average earning assets | $1,306,873,000 | 543 |
| Average equity | $140,027,000 | 582 |
| Average total loans | $803,719,750 | 656 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,739 |
| Cost of funding earning assets | 0.1150% | 5,534 |
| Net interest margin | 3.3955% | 3,789 |
| Noninterest income to average assets | 1.0226% | 973 |
| Noninterest expense to average assets | 3.0346% | 2,032 |
| Loan and lease loss provision to assets | 0.0425% | 3,145 |
| Net operating income to assets | 0.7323% | 3,693 |
| Return on assets (ROA) | 0.7323% | 3,760 |
| Pretax return on assets | 1.1032% | 3,160 |
| Return on Equity (ROE) | 7.4468% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.2393% | 3,188 |
| Net charge-offs to loans | 0.0417% | 2,363 |
| Credit loss provision to net charge-offs | 179.6407% | 1,360 |
| Earnings coverage of net charge-offs (x) | 48.4132% | 1,099 |
| Efficiency ratio | 72.5932% | 2,249 |
| Assets per employee ($millions) | 3.3896% | 4,872 |
| Cash dividends to net income (ytd only)* | 43.0728% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,905 |
| Loan loss allowance to noncurrent loans | 265.0687% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 3,793 |
| Noncurrent loans to loans | 0.5323% | 3,165 |
| Net loans and leases to total assets | 56.3021% | 4,196 |
| Net loans and leases to deposits | 63.5082% | 4,402 |
| Net loans and leases to core deposits | 64.3604% | 4,576 |
| Total domestic deposits to total assets | 88.6532% | 1,129 |
| Equity capital to assets | 10.0345% | 3,875 |
| Core capital (leverage) ratio | 10.1352% | 3,356 |
| Tier 1 risk-based capital ratio | 16.1308% | 2,449 |
| Total risk-based capital ratio | 17.3815% | 2,395 |
| Memoranda: | ||
| Average total assets | $1,411,368,000 | 547 |
| Average earning assets | $1,312,545,330 | 545 |
| Average equity | $138,797,670 | 587 |
| Average total loans | $801,586,000 | 659 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 4,785 |
| Cost of funding earning assets | 0.1129% | 5,601 |
| Net interest margin | 3.3523% | 3,835 |
| Noninterest income to average assets | 0.9371% | 1,150 |
| Noninterest expense to average assets | 3.0665% | 1,967 |
| Loan and lease loss provision to assets | 0.0851% | 2,118 |
| Net operating income to assets | 0.6064% | 4,132 |
| Return on assets (ROA) | 0.6064% | 4,184 |
| Pretax return on assets | 0.8928% | 3,798 |
| Return on Equity (ROE) | 6.2296% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.8846% | 3,974 |
| Net charge-offs to loans | 0.0386% | 2,036 |
| Credit loss provision to net charge-offs | 389.6104% | 660 |
| Earnings coverage of net charge-offs (x) | 44.7792% | 956 |
| Efficiency ratio | 75.8205% | 1,935 |
| Assets per employee ($millions) | 3.4352% | 4,876 |
| Cash dividends to net income (ytd only)* | 53.6950% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,904 |
| Loan loss allowance to noncurrent loans | 212.3959% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 3,476 |
| Noncurrent loans to loans | 0.6778% | 2,819 |
| Net loans and leases to total assets | 56.3558% | 4,134 |
| Net loans and leases to deposits | 62.8344% | 4,380 |
| Net loans and leases to core deposits | 63.6886% | 4,553 |
| Total domestic deposits to total assets | 89.6894% | 800 |
| Equity capital to assets | 9.9128% | 3,859 |
| Core capital (leverage) ratio | 9.9498% | 3,566 |
| Tier 1 risk-based capital ratio | 16.1088% | 2,505 |
| Total risk-based capital ratio | 17.3598% | 2,454 |
| Memoranda: | ||
| Average total assets | $1,410,325,500 | 552 |
| Average earning assets | $1,307,270,000 | 549 |
| Average equity | $137,280,000 | 587 |
| Average total loans | $798,782,000 | 661 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 4,639 |
| Cost of funding earning assets | 0.0988% | 5,709 |
| Net interest margin | 3.4523% | 3,618 |
| Noninterest income to average assets | 1.0752% | 978 |
| Noninterest expense to average assets | 3.0215% | 2,282 |
| Loan and lease loss provision to assets | 0.0664% | 3,037 |
| Net operating income to assets | 0.7924% | 3,345 |
| Return on assets (ROA) | 0.7924% | 3,444 |
| Pretax return on assets | 1.1894% | 2,722 |
| Return on Equity (ROE) | 7.8753% | 3,012 |
| Retained earnings to average equity (ytd only) | 4.6630% | 2,577 |
| Net charge-offs to loans | 0.1631% | 1,653 |
| Credit loss provision to net charge-offs | 72.8745% | 3,087 |
| Earnings coverage of net charge-offs (x) | 13.7854% | 2,344 |
| Efficiency ratio | 70.6400% | 2,806 |
| Assets per employee ($millions) | 3.3870% | 4,922 |
| Cash dividends to net income (ytd only)* | 40.7894% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 2,049 |
| Loan loss allowance to noncurrent loans | 183.7114% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 3,406 |
| Noncurrent loans to loans | 0.7658% | 2,622 |
| Net loans and leases to total assets | 55.3198% | 4,323 |
| Net loans and leases to deposits | 61.3710% | 4,582 |
| Net loans and leases to core deposits | 62.2046% | 4,746 |
| Total domestic deposits to total assets | 90.1400% | 587 |
| Equity capital to assets | 9.5590% | 4,210 |
| Core capital (leverage) ratio | 9.9330% | 3,585 |
| Tier 1 risk-based capital ratio | 15.7981% | 2,634 |
| Total risk-based capital ratio | 17.0486% | 2,557 |
| Memoranda: | ||
| Average total assets | $1,355,700,800 | 545 |
| Average earning assets | $1,257,412,600 | 539 |
| Average equity | $136,413,000 | 582 |
| Average total loans | $757,021,000 | 661 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 4,756 |
| Cost of funding earning assets | 0.0983% | 5,778 |
| Net interest margin | 3.4200% | 3,773 |
| Noninterest income to average assets | 1.0998% | 938 |
| Noninterest expense to average assets | 3.1020% | 2,025 |
| Loan and lease loss provision to assets | 0.0897% | 2,432 |
| Net operating income to assets | 0.7198% | 3,742 |
| Return on assets (ROA) | 0.7198% | 3,879 |
| Pretax return on assets | 1.0863% | 3,285 |
| Return on Equity (ROE) | 7.0594% | 3,532 |
| Retained earnings to average equity (ytd only) | 3.8307% | 3,581 |
| Net charge-offs to loans | 0.1865% | 1,247 |
| Credit loss provision to net charge-offs | 86.2069% | 2,584 |
| Earnings coverage of net charge-offs (x) | 11.3046% | 2,496 |
| Efficiency ratio | 72.5119% | 2,495 |
| Assets per employee ($millions) | 3.3098% | 5,037 |
| Cash dividends to net income (ytd only)* | 45.7364% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,800 |
| Loan loss allowance to noncurrent loans | 138.4160% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 2,706 |
| Noncurrent loans to loans | 1.0763% | 2,101 |
| Net loans and leases to total assets | 54.8422% | 4,419 |
| Net loans and leases to deposits | 61.8757% | 4,634 |
| Net loans and leases to core deposits | 62.8366% | 4,786 |
| Total domestic deposits to total assets | 88.6328% | 1,083 |
| Equity capital to assets | 10.1398% | 3,994 |
| Core capital (leverage) ratio | 10.0365% | 3,524 |
| Tier 1 risk-based capital ratio | 16.1981% | 2,542 |
| Total risk-based capital ratio | 17.4496% | 2,498 |
| Memoranda: | ||
| Average total assets | $1,338,140,000 | 552 |
| Average earning assets | $1,243,529,500 | 545 |
| Average equity | $136,439,750 | 580 |
| Average total loans | $746,254,750 | 668 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 4,677 |
| Cost of funding earning assets | 0.0980% | 5,860 |
| Net interest margin | 3.4726% | 3,601 |
| Noninterest income to average assets | 1.0837% | 957 |
| Noninterest expense to average assets | 3.1218% | 2,003 |
| Loan and lease loss provision to assets | 0.0906% | 2,337 |
| Net operating income to assets | 0.7196% | 3,700 |
| Return on assets (ROA) | 0.7196% | 3,857 |
| Pretax return on assets | 1.0926% | 3,227 |
| Return on Equity (ROE) | 7.0437% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.7525% | 3,504 |
| Net charge-offs to loans | 0.2198% | 1,066 |
| Credit loss provision to net charge-offs | 73.8916% | 2,440 |
| Earnings coverage of net charge-offs (x) | 9.6478% | 2,398 |
| Efficiency ratio | 72.5142% | 2,585 |
| Assets per employee ($millions) | 3.0725% | 5,352 |
| Cash dividends to net income (ytd only)* | 46.7254% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,794 |
| Loan loss allowance to noncurrent loans | 133.7133% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 2,608 |
| Noncurrent loans to loans | 1.1346% | 2,031 |
| Net loans and leases to total assets | 56.4343% | 4,260 |
| Net loans and leases to deposits | 63.4668% | 4,532 |
| Net loans and leases to core deposits | 64.5836% | 4,699 |
| Total domestic deposits to total assets | 88.9194% | 954 |
| Equity capital to assets | 10.5513% | 3,578 |
| Core capital (leverage) ratio | 10.0869% | 3,463 |
| Tier 1 risk-based capital ratio | 16.4234% | 2,457 |
| Total risk-based capital ratio | 17.6752% | 2,399 |
| Memoranda: | ||
| Average total assets | $1,324,124,670 | 559 |
| Average earning assets | $1,228,286,330 | 551 |
| Average equity | $135,270,330 | 583 |
| Average total loans | $738,882,670 | 676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 4,625 |
| Cost of funding earning assets | 0.0977% | 5,926 |
| Net interest margin | 3.4976% | 3,486 |
| Noninterest income to average assets | 1.0828% | 923 |
| Noninterest expense to average assets | 3.1153% | 2,059 |
| Loan and lease loss provision to assets | 0.0901% | 2,176 |
| Net operating income to assets | 0.7323% | 3,573 |
| Return on assets (ROA) | 0.7323% | 3,682 |
| Pretax return on assets | 1.1137% | 3,039 |
| Return on Equity (ROE) | 7.2856% | 3,297 |
| Retained earnings to average equity (ytd only) | 3.8550% | 3,572 |
| Net charge-offs to loans | 0.3867% | 576 |
| Credit loss provision to net charge-offs | 42.3131% | 2,130 |
| Earnings coverage of net charge-offs (x) | 5.6530% | 2,311 |
| Efficiency ratio | 72.1280% | 2,782 |
| Assets per employee ($millions) | 3.1058% | 5,392 |
| Cash dividends to net income (ytd only)* | 47.0878% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,905 |
| Loan loss allowance to noncurrent loans | 105.3217% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 2,201 |
| Noncurrent loans to loans | 1.4418% | 1,647 |
| Net loans and leases to total assets | 54.4287% | 4,408 |
| Net loans and leases to deposits | 60.9068% | 4,653 |
| Net loans and leases to core deposits | 61.9257% | 4,823 |
| Total domestic deposits to total assets | 89.3640% | 914 |
| Equity capital to assets | 10.1863% | 3,856 |
| Core capital (leverage) ratio | 10.1240% | 3,400 |
| Tier 1 risk-based capital ratio | 16.4232% | 2,510 |
| Total risk-based capital ratio | 17.6748% | 2,462 |
| Memoranda: | ||
| Average total assets | $1,331,742,500 | 557 |
| Average earning assets | $1,232,265,000 | 548 |
| Average equity | $133,853,000 | 588 |
| Average total loans | $733,303,500 | 679 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 4,892 |
| Cost of funding earning assets | 0.0977% | 5,972 |
| Net interest margin | 3.4124% | 3,862 |
| Noninterest income to average assets | 1.2390% | 780 |
| Noninterest expense to average assets | 3.1341% | 2,135 |
| Loan and lease loss provision to assets | 0.2361% | 821 |
| Net operating income to assets | 0.6794% | 3,906 |
| Return on assets (ROA) | 0.8309% | 3,262 |
| Pretax return on assets | 1.2498% | 2,468 |
| Return on Equity (ROE) | 8.1738% | 2,857 |
| Retained earnings to average equity (ytd only) | 4.7878% | 2,588 |
| Net charge-offs to loans | 0.4947% | 542 |
| Credit loss provision to net charge-offs | 85.4457% | 2,845 |
| Earnings coverage of net charge-offs (x) | 4.5471% | 3,534 |
| Efficiency ratio | 71.3848% | 3,004 |
| Assets per employee ($millions) | 3.1028% | 5,412 |
| Cash dividends to net income (ytd only)* | 41.4244% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 1,651 |
| Loan loss allowance to noncurrent loans | 103.3155% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0826% | 2,027 |
| Noncurrent loans to loans | 1.5365% | 1,506 |
| Net loans and leases to total assets | 53.9879% | 4,501 |
| Net loans and leases to deposits | 60.1078% | 4,769 |
| Net loans and leases to core deposits | 61.1896% | 4,919 |
| Total domestic deposits to total assets | 89.8184% | 707 |
| Equity capital to assets | 9.9155% | 4,055 |
| Core capital (leverage) ratio | 10.1515% | 3,316 |
| Tier 1 risk-based capital ratio | 16.4447% | 2,514 |
| Total risk-based capital ratio | 17.6973% | 2,466 |
| Memoranda: | ||
| Average total assets | $1,270,776,800 | 561 |
| Average earning assets | $1,173,569,400 | 550 |
| Average equity | $129,181,800 | 590 |
| Average total loans | $709,745,000 | 652 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,911 |
| Cost of funding earning assets | 0.0989% | 6,062 |
| Net interest margin | 3.4319% | 3,827 |
| Noninterest income to average assets | 1.2246% | 801 |
| Noninterest expense to average assets | 3.2289% | 1,890 |
| Loan and lease loss provision to assets | 0.2389% | 740 |
| Net operating income to assets | 0.6193% | 4,292 |
| Return on assets (ROA) | 0.8268% | 3,381 |
| Pretax return on assets | 1.2393% | 2,656 |
| Return on Equity (ROE) | 8.0809% | 3,036 |
| Retained earnings to average equity (ytd only) | 4.6584% | 3,157 |
| Net charge-offs to loans | 0.1862% | 1,367 |
| Credit loss provision to net charge-offs | 228.6585% | 1,210 |
| Earnings coverage of net charge-offs (x) | 11.1839% | 2,523 |
| Efficiency ratio | 73.4275% | 2,648 |
| Assets per employee ($millions) | 3.0707% | 5,463 |
| Cash dividends to net income (ytd only)* | 42.3526% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 1,143 |
| Loan loss allowance to noncurrent loans | 76.7055% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.6634% | 1,309 |
| Noncurrent loans to loans | 2.4315% | 846 |
| Net loans and leases to total assets | 54.9341% | 4,467 |
| Net loans and leases to deposits | 61.5117% | 4,756 |
| Net loans and leases to core deposits | 62.6471% | 4,889 |
| Total domestic deposits to total assets | 89.3068% | 866 |
| Equity capital to assets | 10.2807% | 3,840 |
| Core capital (leverage) ratio | 10.3629% | 3,187 |
| Tier 1 risk-based capital ratio | 16.6073% | 2,522 |
| Total risk-based capital ratio | 17.8630% | 2,476 |
| Memoranda: | ||
| Average total assets | $1,255,699,500 | 568 |
| Average earning assets | $1,160,930,250 | 560 |
| Average equity | $128,481,250 | 596 |
| Average total loans | $704,627,000 | 660 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,894 |
| Cost of funding earning assets | 0.1003% | 6,132 |
| Net interest margin | 3.4355% | 3,772 |
| Noninterest income to average assets | 1.2563% | 771 |
| Noninterest expense to average assets | 3.2648% | 1,805 |
| Loan and lease loss provision to assets | 0.2405% | 756 |
| Net operating income to assets | 0.6103% | 4,289 |
| Return on assets (ROA) | 0.9237% | 2,889 |
| Pretax return on assets | 1.3881% | 2,029 |
| Return on Equity (ROE) | 9.0420% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.5530% | 2,507 |
| Net charge-offs to loans | 0.1153% | 1,848 |
| Credit loss provision to net charge-offs | 371.2871% | 794 |
| Earnings coverage of net charge-offs (x) | 17.9233% | 1,829 |
| Efficiency ratio | 73.7683% | 2,710 |
| Assets per employee ($millions) | 2.9772% | 5,623 |
| Cash dividends to net income (ytd only)* | 38.5871% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 1,290 |
| Loan loss allowance to noncurrent loans | 67.2903% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.9426% | 1,153 |
| Noncurrent loans to loans | 2.7341% | 781 |
| Net loans and leases to total assets | 56.9975% | 4,224 |
| Net loans and leases to deposits | 63.8106% | 4,554 |
| Net loans and leases to core deposits | 65.0044% | 4,731 |
| Total domestic deposits to total assets | 89.3229% | 992 |
| Equity capital to assets | 10.4035% | 3,560 |
| Core capital (leverage) ratio | 10.3671% | 3,124 |
| Tier 1 risk-based capital ratio | 16.4898% | 2,611 |
| Total risk-based capital ratio | 17.7452% | 2,565 |
| Memoranda: | ||
| Average total assets | $1,247,436,000 | 569 |
| Average earning assets | $1,150,815,000 | 559 |
| Average equity | $127,427,330 | 600 |
| Average total loans | $700,571,000 | 666 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 5,184 |
| Cost of funding earning assets | 0.1026% | 6,193 |
| Net interest margin | 3.3045% | 4,195 |
| Noninterest income to average assets | 1.2421% | 740 |
| Noninterest expense to average assets | 3.2772% | 1,776 |
| Loan and lease loss provision to assets | 0.2394% | 708 |
| Net operating income to assets | 0.5333% | 4,533 |
| Return on assets (ROA) | 0.5333% | 4,649 |
| Pretax return on assets | 0.7691% | 4,354 |
| Return on Equity (ROE) | 5.2683% | 4,393 |
| Retained earnings to average equity (ytd only) | 1.6489% | 4,816 |
| Net charge-offs to loans | 0.1451% | 1,372 |
| Credit loss provision to net charge-offs | 298.8048% | 821 |
| Earnings coverage of net charge-offs (x) | 12.5896% | 1,787 |
| Efficiency ratio | 76.4688% | 2,432 |
| Assets per employee ($millions) | 2.9768% | 5,700 |
| Cash dividends to net income (ytd only)* | 68.7014% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 1,471 |
| Loan loss allowance to noncurrent loans | 59.8272% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0738% | 1,123 |
| Noncurrent loans to loans | 3.0311% | 706 |
| Net loans and leases to total assets | 54.3159% | 4,409 |
| Net loans and leases to deposits | 61.6274% | 4,610 |
| Net loans and leases to core deposits | 62.8146% | 4,791 |
| Total domestic deposits to total assets | 88.1359% | 1,738 |
| Equity capital to assets | 10.1561% | 3,935 |
| Core capital (leverage) ratio | 10.2323% | 3,302 |
| Tier 1 risk-based capital ratio | 16.3722% | 2,743 |
| Total risk-based capital ratio | 17.6270% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,253,383,500 | 560 |
| Average earning assets | $1,154,424,000 | 558 |
| Average equity | $126,871,000 | 603 |
| Average total loans | $692,143,500 | 671 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,662 |
| Cost of funding earning assets | 0.1169% | 6,263 |
| Net interest margin | 3.6272% | 3,303 |
| Noninterest income to average assets | 1.2258% | 800 |
| Noninterest expense to average assets | 3.2534% | 2,066 |
| Loan and lease loss provision to assets | 0.2505% | 908 |
| Net operating income to assets | 0.7349% | 3,710 |
| Return on assets (ROA) | 0.7349% | 3,819 |
| Pretax return on assets | 1.0531% | 3,287 |
| Return on Equity (ROE) | 7.2604% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.2604% | 1,291 |
| Net charge-offs to loans | 0.4791% | 872 |
| Credit loss provision to net charge-offs | 91.7993% | 2,609 |
| Earnings coverage of net charge-offs (x) | 4.7772% | 3,567 |
| Efficiency ratio | 71.3940% | 3,312 |
| Assets per employee ($millions) | 2.9775% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 1,643 |
| Loan loss allowance to noncurrent loans | 56.0584% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.1080% | 1,174 |
| Noncurrent loans to loans | 3.1319% | 707 |
| Net loans and leases to total assets | 54.1567% | 4,560 |
| Net loans and leases to deposits | 60.4246% | 4,869 |
| Net loans and leases to core deposits | 61.6871% | 5,023 |
| Total domestic deposits to total assets | 89.6270% | 913 |
| Equity capital to assets | 10.0883% | 4,000 |
| Core capital (leverage) ratio | 10.2706% | 3,213 |
| Tier 1 risk-based capital ratio | 16.4978% | 2,713 |
| Total risk-based capital ratio | 17.7521% | 2,662 |
| Memoranda: | ||
| Average total assets | $1,197,633,600 | 562 |
| Average earning assets | $1,099,912,000 | 559 |
| Average equity | $121,218,600 | 602 |
| Average total loans | $682,145,400 | 633 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,597 |
| Cost of funding earning assets | 0.1192% | 6,340 |
| Net interest margin | 3.6653% | 3,169 |
| Noninterest income to average assets | 1.2422% | 786 |
| Noninterest expense to average assets | 3.3055% | 1,887 |
| Loan and lease loss provision to assets | 0.2533% | 845 |
| Net operating income to assets | 0.7462% | 3,689 |
| Return on assets (ROA) | 0.7462% | 3,786 |
| Pretax return on assets | 1.0542% | 3,364 |
| Return on Equity (ROE) | 7.3664% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.3664% | 1,641 |
| Net charge-offs to loans | 0.3763% | 1,062 |
| Credit loss provision to net charge-offs | 117.1875% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.0495% | 3,149 |
| Efficiency ratio | 71.6562% | 3,245 |
| Assets per employee ($millions) | 2.8713% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 1,581 |
| Loan loss allowance to noncurrent loans | 61.7903% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.1335% | 1,310 |
| Noncurrent loans to loans | 2.9892% | 896 |
| Net loans and leases to total assets | 57.0540% | 4,195 |
| Net loans and leases to deposits | 63.9200% | 4,545 |
| Net loans and leases to core deposits | 65.3581% | 4,764 |
| Total domestic deposits to total assets | 89.2585% | 1,096 |
| Equity capital to assets | 10.4216% | 3,656 |
| Core capital (leverage) ratio | 10.3246% | 3,260 |
| Tier 1 risk-based capital ratio | 16.2855% | 2,912 |
| Total risk-based capital ratio | 17.5409% | 2,858 |
| Memoranda: | ||
| Average total assets | $1,184,406,750 | 565 |
| Average earning assets | $1,089,239,000 | 560 |
| Average equity | $119,983,750 | 606 |
| Average total loans | $680,343,000 | 634 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,694 |
| Cost of funding earning assets | 0.1220% | 6,405 |
| Net interest margin | 3.6278% | 3,245 |
| Noninterest income to average assets | 1.2898% | 709 |
| Noninterest expense to average assets | 3.3293% | 1,842 |
| Loan and lease loss provision to assets | 0.2532% | 858 |
| Net operating income to assets | 0.7521% | 3,556 |
| Return on assets (ROA) | 0.7521% | 3,654 |
| Pretax return on assets | 1.0357% | 3,340 |
| Return on Equity (ROE) | 7.4964% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.4964% | 1,522 |
| Net charge-offs to loans | 0.4363% | 939 |
| Credit loss provision to net charge-offs | 101.4199% | 1,961 |
| Earnings coverage of net charge-offs (x) | 5.1629% | 2,974 |
| Efficiency ratio | 72.0906% | 3,316 |
| Assets per employee ($millions) | 2.8495% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 1,794 |
| Loan loss allowance to noncurrent loans | 64.2006% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.0594% | 1,539 |
| Noncurrent loans to loans | 2.8342% | 1,060 |
| Net loans and leases to total assets | 56.0044% | 4,287 |
| Net loans and leases to deposits | 62.7818% | 4,613 |
| Net loans and leases to core deposits | 64.2269% | 4,801 |
| Total domestic deposits to total assets | 89.2049% | 1,246 |
| Equity capital to assets | 10.1651% | 3,882 |
| Core capital (leverage) ratio | 10.1903% | 3,361 |
| Tier 1 risk-based capital ratio | 16.1655% | 2,995 |
| Total risk-based capital ratio | 17.4206% | 2,946 |
| Memoranda: | ||
| Average total assets | $1,184,879,000 | 565 |
| Average earning assets | $1,087,117,670 | 557 |
| Average equity | $118,883,000 | 606 |
| Average total loans | $677,909,330 | 631 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,904 |
| Cost of funding earning assets | 0.1275% | 6,457 |
| Net interest margin | 3.5561% | 3,451 |
| Noninterest income to average assets | 1.3687% | 622 |
| Noninterest expense to average assets | 3.3431% | 1,848 |
| Loan and lease loss provision to assets | 0.2542% | 843 |
| Net operating income to assets | 0.8133% | 3,094 |
| Return on assets (ROA) | 0.8133% | 3,161 |
| Pretax return on assets | 1.0227% | 3,238 |
| Return on Equity (ROE) | 8.1603% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.1603% | 1,547 |
| Net charge-offs to loans | 0.4583% | 792 |
| Credit loss provision to net charge-offs | 96.7742% | 1,730 |
| Earnings coverage of net charge-offs (x) | 4.8619% | 2,458 |
| Efficiency ratio | 72.3612% | 3,420 |
| Assets per employee ($millions) | 2.8524% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 1,915 |
| Loan loss allowance to noncurrent loans | 65.1779% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.1170% | 1,581 |
| Noncurrent loans to loans | 2.8292% | 1,167 |
| Net loans and leases to total assets | 55.6504% | 4,188 |
| Net loans and leases to deposits | 62.0158% | 4,545 |
| Net loans and leases to core deposits | 63.4163% | 4,739 |
| Total domestic deposits to total assets | 89.7358% | 1,219 |
| Equity capital to assets | 10.0631% | 3,770 |
| Core capital (leverage) ratio | 10.0611% | 3,483 |
| Tier 1 risk-based capital ratio | 16.2659% | 3,032 |
| Total risk-based capital ratio | 17.5213% | 2,986 |
| Memoranda: | ||
| Average total assets | $1,180,355,000 | 576 |
| Average earning assets | $1,079,150,000 | 569 |
| Average equity | $117,642,500 | 614 |
| Average total loans | $676,342,000 | 636 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 5,130 |
| Cost of funding earning assets | 0.1755% | 6,415 |
| Net interest margin | 3.5278% | 3,772 |
| Noninterest income to average assets | 1.7603% | 483 |
| Noninterest expense to average assets | 3.3259% | 2,062 |
| Loan and lease loss provision to assets | 0.5436% | 491 |
| Net operating income to assets | 0.7482% | 3,559 |
| Return on assets (ROA) | 0.7482% | 3,656 |
| Pretax return on assets | 1.1202% | 2,886 |
| Return on Equity (ROE) | 8.0094% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.0094% | 1,055 |
| Net charge-offs to loans | 0.9131% | 666 |
| Credit loss provision to net charge-offs | 102.7584% | 2,356 |
| Earnings coverage of net charge-offs (x) | 3.1451% | 3,947 |
| Efficiency ratio | 66.6549% | 4,442 |
| Assets per employee ($millions) | 2.8361% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 2,034 |
| Loan loss allowance to noncurrent loans | 64.8851% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.0999% | 1,706 |
| Noncurrent loans to loans | 2.7909% | 1,271 |
| Net loans and leases to total assets | 56.8559% | 4,206 |
| Net loans and leases to deposits | 63.3285% | 4,581 |
| Net loans and leases to core deposits | 64.8710% | 4,790 |
| Total domestic deposits to total assets | 89.7793% | 1,195 |
| Equity capital to assets | 9.8702% | 3,936 |
| Core capital (leverage) ratio | 9.8410% | 3,789 |
| Tier 1 risk-based capital ratio | 15.7051% | 3,247 |
| Total risk-based capital ratio | 16.9602% | 3,202 |
| Memoranda: | ||
| Average total assets | $1,192,377,000 | 549 |
| Average earning assets | $1,091,536,600 | 544 |
| Average equity | $111,381,400 | 632 |
| Average total loans | $690,864,000 | 605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 5,310 |
| Cost of funding earning assets | 0.1844% | 6,478 |
| Net interest margin | 3.4619% | 4,048 |
| Noninterest income to average assets | 1.5867% | 581 |
| Noninterest expense to average assets | 3.3864% | 1,860 |
| Loan and lease loss provision to assets | 0.5459% | 481 |
| Net operating income to assets | 0.5678% | 4,487 |
| Return on assets (ROA) | 0.5678% | 4,637 |
| Pretax return on assets | 0.8302% | 4,182 |
| Return on Equity (ROE) | 6.1643% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.1643% | 2,304 |
| Net charge-offs to loans | 0.9752% | 591 |
| Credit loss provision to net charge-offs | 96.6055% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.4352% | 4,017 |
| Efficiency ratio | 71.1058% | 3,588 |
| Assets per employee ($millions) | 2.7120% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 2,446 |
| Loan loss allowance to noncurrent loans | 58.4902% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 2.2707% | 1,741 |
| Noncurrent loans to loans | 2.9935% | 1,346 |
| Net loans and leases to total assets | 57.4600% | 4,094 |
| Net loans and leases to deposits | 63.7952% | 4,542 |
| Net loans and leases to core deposits | 65.4780% | 4,757 |
| Total domestic deposits to total assets | 90.0696% | 954 |
| Equity capital to assets | 9.5971% | 4,425 |
| Core capital (leverage) ratio | 9.5563% | 4,324 |
| Tier 1 risk-based capital ratio | 15.2165% | 3,612 |
| Total risk-based capital ratio | 16.4712% | 3,568 |
| Memoranda: | ||
| Average total assets | $1,195,522,000 | 550 |
| Average earning assets | $1,096,763,750 | 543 |
| Average equity | $110,114,750 | 647 |
| Average total loans | $692,791,250 | 607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 5,391 |
| Cost of funding earning assets | 0.1976% | 6,486 |
| Net interest margin | 3.4165% | 4,129 |
| Noninterest income to average assets | 1.6867% | 575 |
| Noninterest expense to average assets | 3.3456% | 1,952 |
| Loan and lease loss provision to assets | 0.6145% | 409 |
| Net operating income to assets | 0.5827% | 4,387 |
| Return on assets (ROA) | 0.5827% | 4,565 |
| Pretax return on assets | 0.8550% | 4,093 |
| Return on Equity (ROE) | 6.4144% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.4144% | 2,193 |
| Net charge-offs to loans | 1.2890% | 444 |
| Credit loss provision to net charge-offs | 82.5145% | 2,577 |
| Earnings coverage of net charge-offs (x) | 1.9732% | 3,861 |
| Efficiency ratio | 69.4816% | 3,929 |
| Assets per employee ($millions) | 2.7182% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 2,956 |
| Loan loss allowance to noncurrent loans | 57.2963% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2352% | 1,931 |
| Noncurrent loans to loans | 2.8900% | 1,558 |
| Net loans and leases to total assets | 57.3294% | 4,089 |
| Net loans and leases to deposits | 63.6379% | 4,548 |
| Net loans and leases to core deposits | 65.4288% | 4,749 |
| Total domestic deposits to total assets | 90.0869% | 979 |
| Equity capital to assets | 9.3968% | 4,725 |
| Core capital (leverage) ratio | 9.3436% | 4,480 |
| Tier 1 risk-based capital ratio | 14.8296% | 3,891 |
| Total risk-based capital ratio | 16.0832% | 3,853 |
| Memoranda: | ||
| Average total assets | $1,202,596,670 | 548 |
| Average earning assets | $1,101,190,670 | 538 |
| Average equity | $109,253,330 | 654 |
| Average total loans | $694,796,000 | 600 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 5,743 |
| Cost of funding earning assets | 0.2148% | 6,509 |
| Net interest margin | 3.2706% | 4,628 |
| Noninterest income to average assets | 1.3563% | 836 |
| Noninterest expense to average assets | 3.2705% | 2,162 |
| Loan and lease loss provision to assets | 0.3958% | 785 |
| Net operating income to assets | 0.4727% | 4,808 |
| Return on assets (ROA) | 0.4727% | 4,974 |
| Pretax return on assets | 0.6736% | 4,689 |
| Return on Equity (ROE) | 5.2915% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2915% | 3,058 |
| Net charge-offs to loans | 1.1572% | 509 |
| Credit loss provision to net charge-offs | 59.4648% | 2,464 |
| Earnings coverage of net charge-offs (x) | 1.6065% | 3,298 |
| Efficiency ratio | 75.3591% | 3,032 |
| Assets per employee ($millions) | 2.7339% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 3,201 |
| Loan loss allowance to noncurrent loans | 45.8886% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.5986% | 1,756 |
| Noncurrent loans to loans | 3.5924% | 1,327 |
| Net loans and leases to total assets | 56.8248% | 3,955 |
| Net loans and leases to deposits | 62.7382% | 4,451 |
| Net loans and leases to core deposits | 64.5756% | 4,692 |
| Total domestic deposits to total assets | 90.5745% | 731 |
| Equity capital to assets | 9.1270% | 5,341 |
| Core capital (leverage) ratio | 9.0988% | 4,718 |
| Tier 1 risk-based capital ratio | 14.6151% | 4,097 |
| Total risk-based capital ratio | 15.8687% | 4,054 |
| Memoranda: | ||
| Average total assets | $1,212,676,500 | 546 |
| Average earning assets | $1,106,230,500 | 540 |
| Average equity | $108,324,500 | 670 |
| Average total loans | $697,545,000 | 601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 4,761 |
| Cost of funding earning assets | 0.2935% | 6,487 |
| Net interest margin | 3.8584% | 2,991 |
| Noninterest income to average assets | 1.5099% | 692 |
| Noninterest expense to average assets | 3.4290% | 1,991 |
| Loan and lease loss provision to assets | 0.6012% | 919 |
| Net operating income to assets | 0.6841% | 3,812 |
| Return on assets (ROA) | 0.6841% | 4,080 |
| Pretax return on assets | 1.0215% | 3,465 |
| Return on Equity (ROE) | 6.9827% | 3,647 |
| Retained earnings to average equity (ytd only) | -8.5050% | 6,592 |
| Net charge-offs to loans | 0.8572% | 1,335 |
| Credit loss provision to net charge-offs | 119.7007% | 2,395 |
| Earnings coverage of net charge-offs (x) | 3.2308% | 3,816 |
| Efficiency ratio | 67.8783% | 4,171 |
| Assets per employee ($millions) | 2.8620% | 6,226 |
| Cash dividends to net income (ytd only)* | 221.8018% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 2,817 |
| Loan loss allowance to noncurrent loans | 43.3486% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 2.9807% | 1,587 |
| Noncurrent loans to loans | 3.9921% | 1,179 |
| Net loans and leases to total assets | 56.2814% | 4,239 |
| Net loans and leases to deposits | 61.8563% | 4,801 |
| Net loans and leases to core deposits | 63.8246% | 4,977 |
| Total domestic deposits to total assets | 90.9873% | 497 |
| Equity capital to assets | 8.7440% | 5,806 |
| Core capital (leverage) ratio | 8.9439% | 4,978 |
| Tier 1 risk-based capital ratio | 13.9341% | 4,420 |
| Total risk-based capital ratio | 15.1883% | 4,393 |
| Memoranda: | ||
| Average total assets | $1,197,566,200 | 547 |
| Average earning assets | $1,099,303,000 | 536 |
| Average equity | $117,318,800 | 611 |
| Average total loans | $701,731,800 | 588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 4,626 |
| Cost of funding earning assets | 0.3106% | 6,559 |
| Net interest margin | 3.9440% | 2,732 |
| Noninterest income to average assets | 1.5662% | 603 |
| Noninterest expense to average assets | 3.5285% | 1,694 |
| Loan and lease loss provision to assets | 0.5605% | 1,023 |
| Net operating income to assets | 0.7418% | 3,729 |
| Return on assets (ROA) | 0.7418% | 3,981 |
| Pretax return on assets | 1.1163% | 3,292 |
| Return on Equity (ROE) | 7.3676% | 3,599 |
| Retained earnings to average equity (ytd only) | 3.1588% | 4,653 |
| Net charge-offs to loans | 0.8179% | 1,340 |
| Credit loss provision to net charge-offs | 116.2791% | 2,501 |
| Earnings coverage of net charge-offs (x) | 3.4784% | 3,627 |
| Efficiency ratio | 67.7866% | 4,105 |
| Assets per employee ($millions) | 2.7007% | 6,486 |
| Cash dividends to net income (ytd only)* | 57.1255% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 3,248 |
| Loan loss allowance to noncurrent loans | 34.7867% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 3.4982% | 1,434 |
| Noncurrent loans to loans | 4.8079% | 958 |
| Net loans and leases to total assets | 58.0755% | 4,126 |
| Net loans and leases to deposits | 65.4629% | 4,539 |
| Net loans and leases to core deposits | 67.5535% | 4,770 |
| Total domestic deposits to total assets | 88.7151% | 1,591 |
| Equity capital to assets | 10.1570% | 4,266 |
| Core capital (leverage) ratio | 10.0751% | 3,438 |
| Tier 1 risk-based capital ratio | 15.7457% | 3,400 |
| Total risk-based capital ratio | 16.9993% | 3,363 |
| Memoranda: | ||
| Average total assets | $1,189,295,000 | 555 |
| Average earning assets | $1,097,373,000 | 544 |
| Average equity | $119,746,500 | 600 |
| Average total loans | $700,958,750 | 589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 4,040 |
| Cost of funding earning assets | 0.3239% | 6,627 |
| Net interest margin | 4.1120% | 2,039 |
| Noninterest income to average assets | 1.5659% | 603 |
| Noninterest expense to average assets | 3.5220% | 1,738 |
| Loan and lease loss provision to assets | 0.5040% | 1,256 |
| Net operating income to assets | 0.8605% | 3,085 |
| Return on assets (ROA) | 0.8605% | 3,353 |
| Pretax return on assets | 1.3384% | 2,434 |
| Return on Equity (ROE) | 8.5709% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.4083% | 3,040 |
| Net charge-offs to loans | 0.6977% | 1,590 |
| Credit loss provision to net charge-offs | 122.6492% | 2,238 |
| Earnings coverage of net charge-offs (x) | 4.4836% | 3,067 |
| Efficiency ratio | 65.6551% | 4,590 |
| Assets per employee ($millions) | 2.6682% | 6,574 |
| Cash dividends to net income (ytd only)* | 36.8996% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 3,396 |
| Loan loss allowance to noncurrent loans | 38.7743% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 3.2428% | 1,680 |
| Noncurrent loans to loans | 4.2782% | 1,262 |
| Net loans and leases to total assets | 59.4852% | 3,916 |
| Net loans and leases to deposits | 66.7405% | 4,407 |
| Net loans and leases to core deposits | 69.0659% | 4,657 |
| Total domestic deposits to total assets | 89.1290% | 1,435 |
| Equity capital to assets | 10.4817% | 3,711 |
| Core capital (leverage) ratio | 10.2772% | 3,071 |
| Tier 1 risk-based capital ratio | 16.0198% | 3,159 |
| Total risk-based capital ratio | 17.2735% | 3,129 |
| Memoranda: | ||
| Average total assets | $1,190,522,330 | 559 |
| Average earning assets | $1,099,760,670 | 546 |
| Average equity | $119,521,000 | 598 |
| Average total loans | $701,190,670 | 589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 3,978 |
| Cost of funding earning assets | 0.3265% | 6,744 |
| Net interest margin | 4.1601% | 1,893 |
| Noninterest income to average assets | 1.3920% | 748 |
| Noninterest expense to average assets | 3.3982% | 2,013 |
| Loan and lease loss provision to assets | 0.4961% | 1,225 |
| Net operating income to assets | 0.8516% | 3,150 |
| Return on assets (ROA) | 0.8516% | 3,387 |
| Pretax return on assets | 1.3497% | 2,362 |
| Return on Equity (ROE) | 8.6647% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.6647% | 1,714 |
| Net charge-offs to loans | 0.3771% | 2,175 |
| Credit loss provision to net charge-offs | 226.2443% | 1,230 |
| Earnings coverage of net charge-offs (x) | 8.4178% | 1,958 |
| Efficiency ratio | 64.8020% | 4,777 |
| Assets per employee ($millions) | 2.7249% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 3,366 |
| Loan loss allowance to noncurrent loans | 35.6222% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 3.3345% | 1,729 |
| Noncurrent loans to loans | 4.7628% | 1,197 |
| Net loans and leases to total assets | 57.0023% | 4,221 |
| Net loans and leases to deposits | 66.1825% | 4,347 |
| Net loans and leases to core deposits | 68.6781% | 4,601 |
| Total domestic deposits to total assets | 86.1289% | 3,457 |
| Equity capital to assets | 9.9767% | 4,147 |
| Core capital (leverage) ratio | 10.2753% | 3,026 |
| Tier 1 risk-based capital ratio | 15.8568% | 3,244 |
| Total risk-based capital ratio | 17.1109% | 3,218 |
| Memoranda: | ||
| Average total assets | $1,209,452,500 | 547 |
| Average earning assets | $1,119,865,000 | 538 |
| Average equity | $118,872,500 | 603 |
| Average total loans | $703,171,500 | 586 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 2,688 |
| Cost of funding earning assets | 0.4355% | 6,782 |
| Net interest margin | 4.6073% | 908 |
| Noninterest income to average assets | 1.4449% | 624 |
| Noninterest expense to average assets | 3.7251% | 1,491 |
| Loan and lease loss provision to assets | 0.7343% | 1,383 |
| Net operating income to assets | 0.8398% | 2,877 |
| Return on assets (ROA) | 0.8398% | 3,032 |
| Pretax return on assets | 1.2573% | 2,281 |
| Return on Equity (ROE) | 8.3701% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.7299% | 1,626 |
| Net charge-offs to loans | 0.9479% | 1,835 |
| Credit loss provision to net charge-offs | 121.5686% | 2,604 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 3,566 |
| Efficiency ratio | 65.1623% | 4,922 |
| Assets per employee ($millions) | 2.7354% | 6,556 |
| Cash dividends to net income (ytd only)* | 19.5968% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,775 |
| Loan loss allowance to noncurrent loans | 37.5682% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.0188% | 1,991 |
| Noncurrent loans to loans | 4.1404% | 1,492 |
| Net loans and leases to total assets | 57.3852% | 4,481 |
| Net loans and leases to deposits | 64.9127% | 4,890 |
| Net loans and leases to core deposits | 66.6830% | 5,188 |
| Total domestic deposits to total assets | 88.4037% | 1,906 |
| Equity capital to assets | 9.6817% | 4,626 |
| Core capital (leverage) ratio | 10.2383% | 3,046 |
| Tier 1 risk-based capital ratio | 15.3226% | 3,439 |
| Total risk-based capital ratio | 16.5750% | 3,391 |
| Memoranda: | ||
| Average total assets | $1,139,919,200 | 572 |
| Average earning assets | $1,056,878,600 | 553 |
| Average equity | $114,370,800 | 605 |
| Average total loans | $726,362,600 | 568 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 2,870 |
| Cost of funding earning assets | 0.4615% | 6,849 |
| Net interest margin | 4.5825% | 984 |
| Noninterest income to average assets | 1.4555% | 614 |
| Noninterest expense to average assets | 3.7559% | 1,387 |
| Loan and lease loss provision to assets | 0.6385% | 1,539 |
| Net operating income to assets | 0.8847% | 2,801 |
| Return on assets (ROA) | 0.8847% | 2,955 |
| Pretax return on assets | 1.3236% | 2,206 |
| Return on Equity (ROE) | 8.7347% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.7347% | 1,239 |
| Net charge-offs to loans | 0.9115% | 1,759 |
| Credit loss provision to net charge-offs | 107.4645% | 3,077 |
| Earnings coverage of net charge-offs (x) | 3.3022% | 3,493 |
| Efficiency ratio | 65.6851% | 4,777 |
| Assets per employee ($millions) | 2.5304% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 4,633 |
| Loan loss allowance to noncurrent loans | 35.1051% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 3.3015% | 1,924 |
| Noncurrent loans to loans | 3.9375% | 1,680 |
| Net loans and leases to total assets | 63.2960% | 3,456 |
| Net loans and leases to deposits | 71.2775% | 4,098 |
| Net loans and leases to core deposits | 73.3013% | 4,550 |
| Total domestic deposits to total assets | 88.8021% | 1,543 |
| Equity capital to assets | 10.5144% | 3,692 |
| Core capital (leverage) ratio | 10.4628% | 2,909 |
| Tier 1 risk-based capital ratio | 15.4994% | 3,388 |
| Total risk-based capital ratio | 16.7503% | 3,358 |
| Memoranda: | ||
| Average total assets | $1,121,273,000 | 593 |
| Average earning assets | $1,042,980,250 | 570 |
| Average equity | $113,567,250 | 613 |
| Average total loans | $730,963,750 | 571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 2,824 |
| Cost of funding earning assets | 0.4823% | 6,902 |
| Net interest margin | 4.5886% | 925 |
| Noninterest income to average assets | 1.4079% | 645 |
| Noninterest expense to average assets | 3.7741% | 1,386 |
| Loan and lease loss provision to assets | 0.5912% | 1,637 |
| Net operating income to assets | 0.8872% | 2,699 |
| Return on assets (ROA) | 0.8872% | 2,802 |
| Pretax return on assets | 1.3103% | 2,107 |
| Return on Equity (ROE) | 8.8716% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.8716% | 1,151 |
| Net charge-offs to loans | 0.8080% | 1,887 |
| Credit loss provision to net charge-offs | 111.6717% | 2,744 |
| Earnings coverage of net charge-offs (x) | 3.5917% | 3,116 |
| Efficiency ratio | 66.4962% | 4,775 |
| Assets per employee ($millions) | 2.4991% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,752 |
| Loan loss allowance to noncurrent loans | 34.7163% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 3.3427% | 1,975 |
| Noncurrent loans to loans | 3.9303% | 1,765 |
| Net loans and leases to total assets | 64.4720% | 3,363 |
| Net loans and leases to deposits | 72.3804% | 4,057 |
| Net loans and leases to core deposits | 74.7962% | 4,468 |
| Total domestic deposits to total assets | 89.0739% | 1,493 |
| Equity capital to assets | 10.3757% | 3,659 |
| Core capital (leverage) ratio | 10.1743% | 3,064 |
| Tier 1 risk-based capital ratio | 15.1764% | 3,409 |
| Total risk-based capital ratio | 16.4267% | 3,369 |
| Memoranda: | ||
| Average total assets | $1,123,067,000 | 599 |
| Average earning assets | $1,044,534,000 | 577 |
| Average equity | $112,313,330 | 622 |
| Average total loans | $735,880,330 | 575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 3,606 |
| Cost of funding earning assets | 0.5076% | 6,946 |
| Net interest margin | 4.3899% | 1,308 |
| Noninterest income to average assets | 1.3202% | 736 |
| Noninterest expense to average assets | 3.7778% | 1,377 |
| Loan and lease loss provision to assets | 0.4951% | 1,768 |
| Net operating income to assets | 0.8102% | 2,978 |
| Return on assets (ROA) | 0.8102% | 3,043 |
| Pretax return on assets | 1.1275% | 2,657 |
| Return on Equity (ROE) | 8.2533% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.2533% | 1,634 |
| Net charge-offs to loans | 0.5698% | 2,061 |
| Credit loss provision to net charge-offs | 132.4503% | 2,097 |
| Earnings coverage of net charge-offs (x) | 4.3406% | 2,504 |
| Efficiency ratio | 69.9542% | 4,283 |
| Assets per employee ($millions) | 2.5390% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,939 |
| Loan loss allowance to noncurrent loans | 27.2938% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.7184% | 1,818 |
| Noncurrent loans to loans | 4.9120% | 1,379 |
| Net loans and leases to total assets | 64.7197% | 3,302 |
| Net loans and leases to deposits | 72.2486% | 4,037 |
| Net loans and leases to core deposits | 74.7851% | 4,451 |
| Total domestic deposits to total assets | 89.5792% | 1,442 |
| Equity capital to assets | 9.9959% | 3,778 |
| Core capital (leverage) ratio | 9.9950% | 3,146 |
| Tier 1 risk-based capital ratio | 14.5350% | 3,711 |
| Total risk-based capital ratio | 15.7856% | 3,679 |
| Memoranda: | ||
| Average total assets | $1,131,043,000 | 598 |
| Average earning assets | $1,051,239,000 | 576 |
| Average equity | $111,034,500 | 621 |
| Average total loans | $741,994,000 | 577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 732 |
| Cost of funding earning assets | 0.5633% | 7,198 |
| Net interest margin | 5.5131% | 169 |
| Noninterest income to average assets | 1.5898% | 579 |
| Noninterest expense to average assets | 3.9788% | 1,191 |
| Loan and lease loss provision to assets | 0.6282% | 2,616 |
| Net operating income to assets | 1.3132% | 1,135 |
| Return on assets (ROA) | 1.3132% | 1,208 |
| Pretax return on assets | 2.0864% | 399 |
| Return on Equity (ROE) | 12.4413% | 1,232 |
| Retained earnings to average equity (ytd only) | -5.9707% | 6,380 |
| Net charge-offs to loans | 0.4448% | 3,834 |
| Credit loss provision to net charge-offs | 201.6880% | 1,544 |
| Earnings coverage of net charge-offs (x) | 8.7151% | 1,932 |
| Efficiency ratio | 59.4434% | 6,127 |
| Assets per employee ($millions) | 2.5273% | 6,969 |
| Cash dividends to net income (ytd only)* | 147.9912% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,141 |
| Loan loss allowance to noncurrent loans | 24.7519% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 3.8512% | 1,780 |
| Noncurrent loans to loans | 5.1471% | 1,292 |
| Net loans and leases to total assets | 64.7702% | 3,717 |
| Net loans and leases to deposits | 72.2560% | 4,473 |
| Net loans and leases to core deposits | 74.9396% | 4,857 |
| Total domestic deposits to total assets | 89.6399% | 1,296 |
| Equity capital to assets | 9.6408% | 4,222 |
| Core capital (leverage) ratio | 10.0195% | 3,072 |
| Tier 1 risk-based capital ratio | 13.9711% | 3,889 |
| Total risk-based capital ratio | 15.2001% | 3,869 |
| Memoranda: | ||
| Average total assets | $1,103,100,400 | 602 |
| Average earning assets | $1,021,160,200 | 590 |
| Average equity | $116,434,600 | 582 |
| Average total loans | $772,566,800 | 561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3336% | 474 |
| Cost of funding earning assets | 0.5600% | 7,365 |
| Net interest margin | 5.7736% | 119 |
| Noninterest income to average assets | 1.5589% | 572 |
| Noninterest expense to average assets | 3.9185% | 1,177 |
| Loan and lease loss provision to assets | 0.5034% | 2,943 |
| Net operating income to assets | 1.5534% | 821 |
| Return on assets (ROA) | 1.5534% | 899 |
| Pretax return on assets | 2.4841% | 231 |
| Return on Equity (ROE) | 14.3921% | 956 |
| Retained earnings to average equity (ytd only) | 2.2506% | 4,815 |
| Net charge-offs to loans | 0.2822% | 4,253 |
| Credit loss provision to net charge-offs | 250.6068% | 1,326 |
| Earnings coverage of net charge-offs (x) | 14.8732% | 1,475 |
| Efficiency ratio | 56.7410% | 6,454 |
| Assets per employee ($millions) | 2.4414% | 7,146 |
| Cash dividends to net income (ytd only)* | 84.3625% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,909 |
| Loan loss allowance to noncurrent loans | 24.0959% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 3.7015% | 1,922 |
| Noncurrent loans to loans | 4.5992% | 1,553 |
| Net loans and leases to total assets | 70.5748% | 2,599 |
| Net loans and leases to deposits | 80.0898% | 3,434 |
| Net loans and leases to core deposits | 83.1615% | 4,071 |
| Total domestic deposits to total assets | 88.1195% | 1,890 |
| Equity capital to assets | 11.0374% | 2,926 |
| Core capital (leverage) ratio | 10.8130% | 2,404 |
| Tier 1 risk-based capital ratio | 15.0101% | 3,250 |
| Total risk-based capital ratio | 16.1016% | 3,302 |
| Memoranda: | ||
| Average total assets | $1,093,918,000 | 606 |
| Average earning assets | $1,013,118,250 | 588 |
| Average equity | $118,071,000 | 567 |
| Average total loans | $778,759,250 | 556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4344% | 383 |
| Cost of funding earning assets | 0.5801% | 7,439 |
| Net interest margin | 5.8543% | 116 |
| Noninterest income to average assets | 1.6134% | 502 |
| Noninterest expense to average assets | 3.9150% | 1,162 |
| Loan and lease loss provision to assets | 0.4965% | 2,816 |
| Net operating income to assets | 1.6288% | 681 |
| Return on assets (ROA) | 1.6288% | 733 |
| Pretax return on assets | 2.6110% | 198 |
| Return on Equity (ROE) | 15.2033% | 819 |
| Retained earnings to average equity (ytd only) | 1.5142% | 5,114 |
| Net charge-offs to loans | 0.1245% | 4,946 |
| Credit loss provision to net charge-offs | 560.5749% | 661 |
| Earnings coverage of net charge-offs (x) | 35.0842% | 812 |
| Efficiency ratio | 55.7495% | 6,667 |
| Assets per employee ($millions) | 2.4309% | 7,187 |
| Cash dividends to net income (ytd only)* | 90.0402% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 6,100 |
| Loan loss allowance to noncurrent loans | 24.5404% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 3.5020% | 2,001 |
| Noncurrent loans to loans | 4.3435% | 1,707 |
| Net loans and leases to total assets | 71.4924% | 2,536 |
| Net loans and leases to deposits | 81.0240% | 3,425 |
| Net loans and leases to core deposits | 84.1471% | 4,121 |
| Total domestic deposits to total assets | 88.2361% | 1,860 |
| Equity capital to assets | 10.9574% | 2,908 |
| Core capital (leverage) ratio | 10.6943% | 2,468 |
| Tier 1 risk-based capital ratio | 14.7434% | 3,304 |
| Total risk-based capital ratio | 15.7966% | 3,378 |
| Memoranda: | ||
| Average total assets | $1,099,673,670 | 597 |
| Average earning assets | $1,016,038,670 | 582 |
| Average equity | $117,816,670 | 565 |
| Average total loans | $782,226,000 | 559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4774% | 376 |
| Cost of funding earning assets | 0.6112% | 7,520 |
| Net interest margin | 5.8662% | 121 |
| Noninterest income to average assets | 1.7111% | 436 |
| Noninterest expense to average assets | 3.7379% | 1,438 |
| Loan and lease loss provision to assets | 0.6401% | 1,979 |
| Net operating income to assets | 1.6985% | 618 |
| Return on assets (ROA) | 1.6985% | 671 |
| Pretax return on assets | 2.7310% | 175 |
| Return on Equity (ROE) | 16.0294% | 713 |
| Retained earnings to average equity (ytd only) | 6.9066% | 2,174 |
| Net charge-offs to loans | 0.1253% | 4,218 |
| Credit loss provision to net charge-offs | 723.5772% | 624 |
| Earnings coverage of net charge-offs (x) | 38.1057% | 721 |
| Efficiency ratio | 52.5799% | 7,095 |
| Assets per employee ($millions) | 2.4199% | 7,310 |
| Cash dividends to net income (ytd only)* | 56.9130% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,615 |
| Loan loss allowance to noncurrent loans | 22.4880% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 3.4812% | 2,024 |
| Noncurrent loans to loans | 4.3009% | 1,767 |
| Net loans and leases to total assets | 70.3674% | 2,837 |
| Net loans and leases to deposits | 80.1320% | 3,635 |
| Net loans and leases to core deposits | 82.8810% | 4,362 |
| Total domestic deposits to total assets | 87.8143% | 2,167 |
| Equity capital to assets | 10.7963% | 2,957 |
| Core capital (leverage) ratio | 10.7579% | 2,409 |
| Tier 1 risk-based capital ratio | 14.4967% | 3,375 |
| Total risk-based capital ratio | 15.4355% | 3,517 |
| Memoranda: | ||
| Average total assets | $1,112,281,500 | 607 |
| Average earning assets | $1,023,490,000 | 598 |
| Average equity | $117,858,500 | 568 |
| Average total loans | $785,123,000 | 578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 3,885 |
| Cost of funding earning assets | 0.9501% | 7,306 |
| Net interest margin | 4.5983% | 991 |
| Noninterest income to average assets | 1.6341% | 540 |
| Noninterest expense to average assets | 3.7133% | 1,883 |
| Loan and lease loss provision to assets | 0.4367% | 4,210 |
| Net operating income to assets | 1.0961% | 1,521 |
| Return on assets (ROA) | 2.6086% | 85 |
| Pretax return on assets | 3.1906% | 83 |
| Return on Equity (ROE) | 20.6950% | 210 |
| Retained earnings to average equity (ytd only) | 11.6381% | 239 |
| Net charge-offs to loans | 0.5679% | 3,519 |
| Credit loss provision to net charge-offs | 102.4323% | 5,394 |
| Earnings coverage of net charge-offs (x) | 4.9635% | 2,736 |
| Efficiency ratio | 63.6985% | 5,831 |
| Assets per employee ($millions) | 2.4692% | 7,249 |
| Cash dividends to net income (ytd only)* | 43.7638% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 7,218 |
| Loan loss allowance to noncurrent loans | 17.8238% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 3.4295% | 1,960 |
| Noncurrent loans to loans | 4.2961% | 1,682 |
| Net loans and leases to total assets | 69.5912% | 3,341 |
| Net loans and leases to deposits | 78.9637% | 4,180 |
| Net loans and leases to core deposits | 87.8395% | 5,345 |
| Total domestic deposits to total assets | 88.1306% | 1,909 |
| Equity capital to assets | 10.3999% | 3,286 |
| Core capital (leverage) ratio | 10.9343% | 2,263 |
| Tier 1 risk-based capital ratio | 14.5307% | 3,194 |
| Total risk-based capital ratio | 15.2953% | 3,427 |
| Memoranda: | ||
| Average total assets | $848,609,200 | 795 |
| Average earning assets | $774,240,600 | 798 |
| Average equity | $106,968,000 | 610 |
| Average total loans | $637,087,000 | 734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6656% | 3,494 |
| Cost of funding earning assets | 0.9790% | 7,432 |
| Net interest margin | 4.6866% | 851 |
| Noninterest income to average assets | 1.8270% | 442 |
| Noninterest expense to average assets | 3.9546% | 1,340 |
| Loan and lease loss provision to assets | 0.2171% | 5,243 |
| Net operating income to assets | 1.2578% | 1,322 |
| Return on assets (ROA) | 1.2578% | 1,386 |
| Pretax return on assets | 1.9317% | 618 |
| Return on Equity (ROE) | 9.3867% | 2,132 |
| Retained earnings to average equity (ytd only) | 0.1161% | 5,153 |
| Net charge-offs to loans | 0.2709% | 4,347 |
| Credit loss provision to net charge-offs | 104.2693% | 4,875 |
| Earnings coverage of net charge-offs (x) | 10.3194% | 1,975 |
| Efficiency ratio | 64.7937% | 5,591 |
| Assets per employee ($millions) | 2.1707% | 7,638 |
| Cash dividends to net income (ytd only)* | 98.7631% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,310 |
| Loan loss allowance to noncurrent loans | 52.3527% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.8160% | 3,627 |
| Noncurrent loans to loans | 1.9055% | 3,770 |
| Net loans and leases to total assets | 75.3247% | 2,149 |
| Net loans and leases to deposits | 87.2942% | 3,088 |
| Net loans and leases to core deposits | 95.3235% | 4,893 |
| Total domestic deposits to total assets | 86.2883% | 2,550 |
| Equity capital to assets | 13.2235% | 1,611 |
| Core capital (leverage) ratio | 13.2491% | 1,306 |
| Tier 1 risk-based capital ratio | 17.3813% | 2,153 |
| Total risk-based capital ratio | 18.3798% | 2,184 |
| Memoranda: | ||
| Average total assets | $779,890,000 | 886 |
| Average earning assets | $711,623,750 | 890 |
| Average equity | $104,499,750 | 634 |
| Average total loans | $599,388,750 | 804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7052% | 3,510 |
| Cost of funding earning assets | 0.9973% | 7,555 |
| Net interest margin | 4.7080% | 789 |
| Noninterest income to average assets | 1.8751% | 420 |
| Noninterest expense to average assets | 3.9563% | 1,389 |
| Loan and lease loss provision to assets | 0.1849% | 5,177 |
| Net operating income to assets | 1.3141% | 1,197 |
| Return on assets (ROA) | 1.3141% | 1,269 |
| Pretax return on assets | 2.0250% | 528 |
| Return on Equity (ROE) | 9.7641% | 2,106 |
| Retained earnings to average equity (ytd only) | 0.4938% | 5,010 |
| Net charge-offs to loans | 0.2231% | 4,105 |
| Credit loss provision to net charge-offs | 107.4850% | 4,295 |
| Earnings coverage of net charge-offs (x) | 12.8443% | 1,780 |
| Efficiency ratio | 64.1604% | 5,885 |
| Assets per employee ($millions) | 2.0884% | 7,785 |
| Cash dividends to net income (ytd only)* | 94.9432% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,171 |
| Loan loss allowance to noncurrent loans | 60.7273% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 3,755 |
| Noncurrent loans to loans | 1.6614% | 4,002 |
| Net loans and leases to total assets | 75.9194% | 2,199 |
| Net loans and leases to deposits | 88.3051% | 3,125 |
| Net loans and leases to core deposits | 96.6094% | 4,833 |
| Total domestic deposits to total assets | 85.9739% | 2,806 |
| Equity capital to assets | 13.5068% | 1,494 |
| Core capital (leverage) ratio | 13.5952% | 1,243 |
| Tier 1 risk-based capital ratio | 17.3596% | 2,190 |
| Total risk-based capital ratio | 18.3549% | 2,219 |
| Memoranda: | ||
| Average total assets | $776,476,670 | 904 |
| Average earning assets | $707,737,000 | 909 |
| Average equity | $104,505,330 | 638 |
| Average total loans | $598,798,330 | 823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6941% | 3,835 |
| Cost of funding earning assets | 1.0303% | 7,625 |
| Net interest margin | 4.6639% | 837 |
| Noninterest income to average assets | 1.7007% | 469 |
| Noninterest expense to average assets | 3.8641% | 1,360 |
| Loan and lease loss provision to assets | 0.0967% | 5,724 |
| Net operating income to assets | 1.2885% | 1,409 |
| Return on assets (ROA) | 1.2885% | 1,505 |
| Pretax return on assets | 1.9796% | 690 |
| Return on Equity (ROE) | 9.5908% | 2,498 |
| Retained earnings to average equity (ytd only) | 0.3141% | 5,534 |
| Net charge-offs to loans | 0.0992% | 4,186 |
| Credit loss provision to net charge-offs | 126.1745% | 3,153 |
| Earnings coverage of net charge-offs (x) | 27.0805% | 1,150 |
| Efficiency ratio | 65.0468% | 5,498 |
| Assets per employee ($millions) | 2.0372% | 7,868 |
| Cash dividends to net income (ytd only)* | 96.7252% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,241 |
| Loan loss allowance to noncurrent loans | 58.9789% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 3,999 |
| Noncurrent loans to loans | 1.6839% | 3,731 |
| Net loans and leases to total assets | 78.2976% | 1,749 |
| Net loans and leases to deposits | 91.7690% | 2,640 |
| Net loans and leases to core deposits | 100.4596% | 4,496 |
| Total domestic deposits to total assets | 85.3203% | 3,048 |
| Equity capital to assets | 13.7122% | 1,462 |
| Core capital (leverage) ratio | 13.6919% | 1,265 |
| Tier 1 risk-based capital ratio | 17.4009% | 2,214 |
| Total risk-based capital ratio | 18.3982% | 2,236 |
| Memoranda: | ||
| Average total assets | $777,318,500 | 900 |
| Average earning assets | $706,622,000 | 907 |
| Average equity | $104,433,000 | 639 |
| Average total loans | $601,091,000 | 821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2268% | 4,377 |
| Cost of funding earning assets | 1.3748% | 7,769 |
| Net interest margin | 4.8520% | 703 |
| Noninterest income to average assets | 1.6656% | 497 |
| Noninterest expense to average assets | 3.7529% | 1,845 |
| Loan and lease loss provision to assets | 0.1674% | 5,239 |
| Net operating income to assets | 1.4297% | 1,168 |
| Return on assets (ROA) | 1.4297% | 1,121 |
| Pretax return on assets | 2.1165% | 471 |
| Return on Equity (ROE) | 10.7230% | 1,995 |
| Retained earnings to average equity (ytd only) | 2.1373% | 3,901 |
| Net charge-offs to loans | 0.1892% | 4,291 |
| Credit loss provision to net charge-offs | 116.8014% | 4,620 |
| Earnings coverage of net charge-offs (x) | 15.9362% | 1,890 |
| Efficiency ratio | 62.1667% | 5,923 |
| Assets per employee ($millions) | 2.0972% | 7,826 |
| Cash dividends to net income (ytd only)* | 80.0684% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,134 |
| Loan loss allowance to noncurrent loans | 69.0236% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 4,079 |
| Noncurrent loans to loans | 1.4363% | 3,649 |
| Net loans and leases to total assets | 74.8928% | 2,900 |
| Net loans and leases to deposits | 87.1384% | 3,918 |
| Net loans and leases to core deposits | 94.8371% | 5,374 |
| Total domestic deposits to total assets | 85.9470% | 2,424 |
| Equity capital to assets | 13.1686% | 1,722 |
| Core capital (leverage) ratio | 13.6202% | 1,352 |
| Tier 1 risk-based capital ratio | 17.2872% | 2,235 |
| Total risk-based capital ratio | 18.2722% | 2,258 |
| Memoranda: | ||
| Average total assets | $776,608,200 | 877 |
| Average earning assets | $699,650,600 | 871 |
| Average equity | $103,544,200 | 650 |
| Average total loans | $588,170,600 | 813 |