Home > Volunteer State Bank > Performance and Condition Ratios
Volunteer State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 1,066 |
| Cost of funding earning assets | 1.3494% | 2,363 |
| Net interest margin | 4.2244% | 898 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 3.1406% | 895 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9149% | 2,500 |
| Return on assets (ROA) | 0.9142% | 2,468 |
| Pretax return on assets | 0.9752% | 2,738 |
| Return on Equity (ROE) | 7.1400% | 3,244 |
| Retained earnings to average equity (ytd only) | -1.5302% | 4,232 |
| Net charge-offs to loans | 0.0580% | 1,276 |
| Credit loss provision to net charge-offs | 19.1067% | 2,315 |
| Earnings coverage of net charge-offs (x) | 25.9305% | 1,719 |
| Efficiency ratio | 73.7350% | 1,487 |
| Assets per employee ($millions) | 7.4054% | 1,802 |
| Cash dividends to net income (ytd only)* | 121.4242% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,191 |
| Loan loss allowance to noncurrent loans | 197.5774% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 1,472 |
| Noncurrent loans to loans | 0.5184% | 1,495 |
| Net loans and leases to total assets | 64.2800% | 2,436 |
| Net loans and leases to deposits | 78.0977% | 2,251 |
| Net loans and leases to core deposits | 86.5745% | 2,269 |
| Total domestic deposits to total assets | 82.3000% | 3,070 |
| Equity capital to assets | 12.2476% | 1,046 |
| Core capital (leverage) ratio | 8.1916% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6526% | 2,671 |
| Memoranda: | ||
| Average total assets | $1,062,969,200 | 932 |
| Average earning assets | $902,928,600 | 996 |
| Average equity | $136,060,400 | 728 |
| Average total loans | $695,098,000 | 967 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 978 |
| Cost of funding earning assets | 1.1702% | 2,526 |
| Net interest margin | 4.3560% | 744 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 3.1247% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0583% | 2,190 |
| Return on assets (ROA) | 1.0568% | 2,188 |
| Pretax return on assets | 1.1262% | 2,488 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | -2.2549% | 4,335 |
| Net charge-offs to loans | 0.0116% | 1,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 148.4167% | 731 |
| Efficiency ratio | 71.1078% | 1,667 |
| Assets per employee ($millions) | 7.0977% | 1,881 |
| Cash dividends to net income (ytd only)* | 127.6213% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 2,978 |
| Loan loss allowance to noncurrent loans | 436.3741% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,475 |
| Noncurrent loans to loans | 0.2471% | 2,352 |
| Net loans and leases to total assets | 66.4200% | 2,208 |
| Net loans and leases to deposits | 77.2801% | 2,308 |
| Net loans and leases to core deposits | 84.7665% | 2,277 |
| Total domestic deposits to total assets | 85.9500% | 2,211 |
| Equity capital to assets | 12.3562% | 957 |
| Core capital (leverage) ratio | 8.4525% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7901% | 2,672 |
| Memoranda: | ||
| Average total assets | $1,052,862,000 | 938 |
| Average earning assets | $894,036,250 | 1,011 |
| Average equity | $136,290,500 | 725 |
| Average total loans | $689,727,750 | 973 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 941 |
| Cost of funding earning assets | 1.0127% | 2,563 |
| Net interest margin | 4.3986% | 710 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 3.0163% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1907% | 1,850 |
| Return on assets (ROA) | 1.1890% | 1,850 |
| Pretax return on assets | 1.2674% | 2,172 |
| Return on Equity (ROE) | 9.0500% | 2,977 |
| Retained earnings to average equity (ytd only) | 4.4982% | 3,082 |
| Net charge-offs to loans | 0.0207% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 94.1690% | 972 |
| Efficiency ratio | 68.0338% | 1,985 |
| Assets per employee ($millions) | 6.9090% | 2,001 |
| Cash dividends to net income (ytd only)* | 50.2874% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 2,922 |
| Loan loss allowance to noncurrent loans | 472.3259% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,457 |
| Noncurrent loans to loans | 0.2347% | 2,322 |
| Net loans and leases to total assets | 65.8100% | 2,176 |
| Net loans and leases to deposits | 77.1992% | 2,201 |
| Net loans and leases to core deposits | 84.7980% | 2,156 |
| Total domestic deposits to total assets | 85.2400% | 2,479 |
| Equity capital to assets | 13.4400% | 728 |
| Core capital (leverage) ratio | 9.0590% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6685% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,053,661,333 | 925 |
| Average earning assets | $893,656,000 | 1,003 |
| Average equity | $138,455,000 | 709 |
| Average total loans | $684,527,333 | 967 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 866 |
| Cost of funding earning assets | 0.8523% | 2,527 |
| Net interest margin | 4.4132% | 666 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.8787% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3207% | 1,620 |
| Return on assets (ROA) | 1.3189% | 1,594 |
| Pretax return on assets | 1.4056% | 1,868 |
| Return on Equity (ROE) | 10.1500% | 2,744 |
| Retained earnings to average equity (ytd only) | 10.1484% | 1,665 |
| Net charge-offs to loans | -0.0222% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.8336% | 2,352 |
| Assets per employee ($millions) | 7.5867% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 2,876 |
| Loan loss allowance to noncurrent loans | 2,207.4499% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,446 |
| Noncurrent loans to loans | 0.0514% | 3,372 |
| Net loans and leases to total assets | 64.0600% | 2,247 |
| Net loans and leases to deposits | 75.0947% | 2,196 |
| Net loans and leases to core deposits | 83.1334% | 2,049 |
| Total domestic deposits to total assets | 85.3100% | 2,773 |
| Equity capital to assets | 13.4990% | 671 |
| Core capital (leverage) ratio | 8.8042% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6573% | 2,516 |
| Memoranda: | ||
| Average total assets | $1,065,773,000 | 939 |
| Average earning assets | $905,745,000 | 1,004 |
| Average equity | $138,504,500 | 717 |
| Average total loans | $684,268,500 | 978 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 857 |
| Cost of funding earning assets | 0.2586% | 3,254 |
| Net interest margin | 4.1553% | 602 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7574% | 1,422 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2905% | 1,467 |
| Return on assets (ROA) | 1.2920% | 1,419 |
| Pretax return on assets | 1.3833% | 1,812 |
| Return on Equity (ROE) | 10.1700% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.3095% | 1,385 |
| Net charge-offs to loans | 0.0305% | 1,458 |
| Credit loss provision to net charge-offs | 37.0558% | 1,870 |
| Earnings coverage of net charge-offs (x) | 74.0609% | 1,128 |
| Efficiency ratio | 63.8860% | 2,513 |
| Assets per employee ($millions) | 8.0339% | 1,302 |
| Cash dividends to net income (ytd only)* | 8.4715% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,511 |
| Loan loss allowance to noncurrent loans | 1,522.7273% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,396 |
| Noncurrent loans to loans | 0.0638% | 3,287 |
| Net loans and leases to total assets | 63.0100% | 2,329 |
| Net loans and leases to deposits | 73.0285% | 2,325 |
| Net loans and leases to core deposits | 79.1915% | 2,186 |
| Total domestic deposits to total assets | 86.2900% | 2,643 |
| Equity capital to assets | 12.5098% | 804 |
| Core capital (leverage) ratio | 8.2287% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7755% | 2,795 |
| Memoranda: | ||
| Average total assets | $1,050,684,000 | 941 |
| Average earning assets | $899,724,800 | 998 |
| Average equity | $133,465,600 | 737 |
| Average total loans | $645,490,400 | 975 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 1,270 |
| Cost of funding earning assets | 0.1814% | 3,503 |
| Net interest margin | 3.8162% | 928 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.7368% | 1,381 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0433% | 2,309 |
| Return on assets (ROA) | 1.0454% | 2,265 |
| Pretax return on assets | 1.1189% | 2,661 |
| Return on Equity (ROE) | 8.2000% | 3,269 |
| Retained earnings to average equity (ytd only) | 8.1977% | 1,926 |
| Net charge-offs to loans | 0.0124% | 1,655 |
| Credit loss provision to net charge-offs | 123.7288% | 1,206 |
| Earnings coverage of net charge-offs (x) | 149.1695% | 750 |
| Efficiency ratio | 68.0930% | 2,008 |
| Assets per employee ($millions) | 8.2112% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,237 |
| Loan loss allowance to noncurrent loans | 8,547.5000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,490 |
| Noncurrent loans to loans | 0.0123% | 3,850 |
| Net loans and leases to total assets | 58.8600% | 2,614 |
| Net loans and leases to deposits | 67.8060% | 2,548 |
| Net loans and leases to core deposits | 71.1458% | 2,556 |
| Total domestic deposits to total assets | 86.8100% | 2,827 |
| Equity capital to assets | 11.9548% | 894 |
| Core capital (leverage) ratio | 7.8774% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8366% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,042,210,500 | 951 |
| Average earning assets | $893,822,000 | 1,010 |
| Average equity | $132,912,250 | 748 |
| Average total loans | $634,329,500 | 983 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 1,444 |
| Cost of funding earning assets | 0.1611% | 3,432 |
| Net interest margin | 3.5779% | 1,108 |
| Noninterest income to average assets | 0.6248% | 1,634 |
| Noninterest expense to average assets | 2.7157% | 1,351 |
| Loan and lease loss provision to assets | 0.0142% | 2,338 |
| Net operating income to assets | 0.9035% | 2,564 |
| Return on assets (ROA) | 0.9033% | 2,539 |
| Pretax return on assets | 0.9688% | 2,836 |
| Return on Equity (ROE) | 6.9291% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.9291% | 2,013 |
| Net charge-offs to loans | 0.0035% | 1,923 |
| Credit loss provision to net charge-offs | 663.6364% | 532 |
| Earnings coverage of net charge-offs (x) | 458.3636% | 275 |
| Efficiency ratio | 70.6137% | 1,870 |
| Assets per employee ($millions) | 8.3990% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.6920% | 2,564 |
| Net loans and leases to deposits | 66.5512% | 2,505 |
| Net loans and leases to core deposits | 70.3636% | 2,466 |
| Total domestic deposits to total assets | 86.6882% | 3,042 |
| Equity capital to assets | 12.1328% | 831 |
| Core capital (leverage) ratio | 7.6718% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4861% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,025,584,667 | 954 |
| Average earning assets | $881,177,667 | 1,035 |
| Average equity | $133,697,333 | 752 |
| Average total loans | $629,224,333 | 985 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5968% | 1,514 |
| Cost of funding earning assets | 0.1551% | 3,433 |
| Net interest margin | 3.4416% | 1,202 |
| Noninterest income to average assets | 0.6429% | 1,520 |
| Noninterest expense to average assets | 2.7959% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7541% | 2,838 |
| Return on assets (ROA) | 0.7541% | 2,830 |
| Pretax return on assets | 0.8069% | 3,095 |
| Return on Equity (ROE) | 5.5722% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.5722% | 2,389 |
| Net charge-offs to loans | 0.0090% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 555 |
| Efficiency ratio | 74.6280% | 1,666 |
| Assets per employee ($millions) | 7.7743% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.2796% | 1,829 |
| Net loans and leases to deposits | 72.2480% | 1,758 |
| Net loans and leases to core deposits | 75.4319% | 1,812 |
| Total domestic deposits to total assets | 86.2026% | 3,194 |
| Equity capital to assets | 13.3056% | 636 |
| Core capital (leverage) ratio | 8.0537% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4795% | 2,984 |
| Memoranda: | ||
| Average total assets | $992,442,000 | 988 |
| Average earning assets | $853,548,000 | 1,068 |
| Average equity | $134,309,000 | 762 |
| Average total loans | $625,432,500 | 982 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 941 |
| Cost of funding earning assets | 0.2916% | 2,481 |
| Net interest margin | 3.9412% | 797 |
| Noninterest income to average assets | 0.6543% | 1,927 |
| Noninterest expense to average assets | 2.8504% | 1,247 |
| Loan and lease loss provision to assets | 0.1527% | 783 |
| Net operating income to assets | 0.9539% | 2,854 |
| Return on assets (ROA) | 0.9539% | 2,928 |
| Pretax return on assets | 1.0212% | 3,196 |
| Return on Equity (ROE) | 6.6851% | 3,605 |
| Retained earnings to average equity (ytd only) | -0.2607% | 4,526 |
| Net charge-offs to loans | -0.0047% | 3,537 |
| Credit loss provision to net charge-offs | -5,307.4074% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0155% | 1,974 |
| Assets per employee ($millions) | 7.6124% | 1,550 |
| Cash dividends to net income (ytd only)* | 103.8990% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.3868% | 1,894 |
| Net loans and leases to deposits | 72.7024% | 1,840 |
| Net loans and leases to core deposits | 76.1418% | 1,912 |
| Total domestic deposits to total assets | 85.8112% | 2,971 |
| Equity capital to assets | 13.7656% | 711 |
| Core capital (leverage) ratio | 8.0034% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5479% | 2,976 |
| Memoranda: | ||
| Average total assets | $938,346,400 | 1,006 |
| Average earning assets | $802,348,200 | 1,088 |
| Average equity | $133,894,200 | 778 |
| Average total loans | $579,894,600 | 1,045 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 866 |
| Cost of funding earning assets | 0.3332% | 2,266 |
| Net interest margin | 4.0263% | 752 |
| Noninterest income to average assets | 0.6616% | 1,968 |
| Noninterest expense to average assets | 2.7965% | 1,347 |
| Loan and lease loss provision to assets | 0.2061% | 491 |
| Net operating income to assets | 1.0253% | 2,817 |
| Return on assets (ROA) | 1.0253% | 2,881 |
| Pretax return on assets | 1.0973% | 3,198 |
| Return on Equity (ROE) | 7.1190% | 3,639 |
| Retained earnings to average equity (ytd only) | -1.0161% | 4,662 |
| Net charge-offs to loans | -0.0061% | 3,497 |
| Credit loss provision to net charge-offs | -5,511.5385% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4148% | 2,185 |
| Assets per employee ($millions) | 7.4730% | 1,587 |
| Cash dividends to net income (ytd only)* | 114.2737% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.7712% | 1,914 |
| Net loans and leases to deposits | 73.4959% | 1,902 |
| Net loans and leases to core deposits | 77.1912% | 1,946 |
| Total domestic deposits to total assets | 85.4078% | 2,979 |
| Equity capital to assets | 14.0864% | 719 |
| Core capital (leverage) ratio | 8.2303% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7377% | 3,013 |
| Memoranda: | ||
| Average total assets | $927,432,750 | 1,028 |
| Average earning assets | $791,978,750 | 1,107 |
| Average equity | $133,573,250 | 795 |
| Average total loans | $570,002,500 | 1,081 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 880 |
| Cost of funding earning assets | 0.3986% | 1,895 |
| Net interest margin | 3.9769% | 856 |
| Noninterest income to average assets | 0.4670% | 2,772 |
| Noninterest expense to average assets | 2.6986% | 1,594 |
| Loan and lease loss provision to assets | 0.0157% | 2,636 |
| Net operating income to assets | 1.0740% | 2,633 |
| Return on assets (ROA) | 1.0740% | 2,706 |
| Pretax return on assets | 1.1491% | 3,063 |
| Return on Equity (ROE) | 7.4003% | 3,553 |
| Retained earnings to average equity (ytd only) | 5.6734% | 2,930 |
| Net charge-offs to loans | -0.0126% | 3,768 |
| Credit loss provision to net charge-offs | -205.7143% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8500% | 1,659 |
| Assets per employee ($millions) | 7.4855% | 1,486 |
| Cash dividends to net income (ytd only)* | 23.3360% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.8176% | 2,198 |
| Net loans and leases to deposits | 72.6744% | 2,148 |
| Net loans and leases to core deposits | 76.7733% | 2,163 |
| Total domestic deposits to total assets | 85.0610% | 3,067 |
| Equity capital to assets | 14.1670% | 684 |
| Core capital (leverage) ratio | 7.9636% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7734% | 3,088 |
| Memoranda: | ||
| Average total assets | $917,730,333 | 1,032 |
| Average earning assets | $783,771,667 | 1,109 |
| Average equity | $133,183,667 | 792 |
| Average total loans | $557,585,000 | 1,099 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 1,255 |
| Cost of funding earning assets | 0.4887% | 1,464 |
| Net interest margin | 3.6794% | 1,381 |
| Noninterest income to average assets | 0.4573% | 2,797 |
| Noninterest expense to average assets | 2.6181% | 1,838 |
| Loan and lease loss provision to assets | 0.0158% | 2,569 |
| Net operating income to assets | 0.9019% | 3,120 |
| Return on assets (ROA) | 0.9019% | 3,201 |
| Pretax return on assets | 0.9653% | 3,468 |
| Return on Equity (ROE) | 6.1395% | 3,820 |
| Retained earnings to average equity (ytd only) | -14.8348% | 4,880 |
| Net charge-offs to loans | -0.0022% | 3,156 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7406% | 1,427 |
| Assets per employee ($millions) | 7.6989% | 1,341 |
| Cash dividends to net income (ytd only)* | 341.6301% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,825 |
| Loan loss allowance to noncurrent loans | 31,782.3529% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,398 |
| Noncurrent loans to loans | 0.0032% | 4,315 |
| Net loans and leases to total assets | 58.2306% | 2,778 |
| Net loans and leases to deposits | 68.4915% | 2,650 |
| Net loans and leases to core deposits | 73.2460% | 2,586 |
| Total domestic deposits to total assets | 85.0187% | 3,082 |
| Equity capital to assets | 14.2602% | 618 |
| Core capital (leverage) ratio | 8.0162% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8927% | 2,947 |
| Memoranda: | ||
| Average total assets | $908,753,500 | 1,025 |
| Average earning assets | $775,995,500 | 1,107 |
| Average equity | $133,496,500 | 786 |
| Average total loans | $544,434,000 | 1,120 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 712 |
| Cost of funding earning assets | 0.7454% | 1,479 |
| Net interest margin | 4.0741% | 834 |
| Noninterest income to average assets | 0.4828% | 2,710 |
| Noninterest expense to average assets | 2.7943% | 1,949 |
| Loan and lease loss provision to assets | 0.2765% | 1,383 |
| Net operating income to assets | 0.8026% | 3,081 |
| Return on assets (ROA) | 0.8026% | 3,200 |
| Pretax return on assets | 0.8592% | 3,482 |
| Return on Equity (ROE) | 4.9441% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.1977% | 3,228 |
| Net charge-offs to loans | 0.0164% | 2,768 |
| Credit loss provision to net charge-offs | 2,575.2809% | 368 |
| Earnings coverage of net charge-offs (x) | 105.7753% | 759 |
| Efficiency ratio | 71.1032% | 1,794 |
| Assets per employee ($millions) | 7.8377% | 1,103 |
| Cash dividends to net income (ytd only)* | 35.3224% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,963 |
| Loan loss allowance to noncurrent loans | 59,588.8889% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,484 |
| Noncurrent loans to loans | 0.0016% | 4,411 |
| Net loans and leases to total assets | 60.4225% | 2,804 |
| Net loans and leases to deposits | 71.7454% | 2,711 |
| Net loans and leases to core deposits | 77.3999% | 2,603 |
| Total domestic deposits to total assets | 84.2180% | 3,048 |
| Equity capital to assets | 15.1270% | 556 |
| Core capital (leverage) ratio | 8.8251% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9074% | 2,279 |
| Memoranda: | ||
| Average total assets | $828,958,800 | 1,027 |
| Average earning assets | $701,412,600 | 1,101 |
| Average equity | $134,563,800 | 746 |
| Average total loans | $541,807,800 | 1,072 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 558 |
| Cost of funding earning assets | 0.8129% | 1,428 |
| Net interest margin | 4.2384% | 679 |
| Noninterest income to average assets | 0.4846% | 2,676 |
| Noninterest expense to average assets | 2.7172% | 2,210 |
| Loan and lease loss provision to assets | 0.3710% | 998 |
| Net operating income to assets | 0.9068% | 2,670 |
| Return on assets (ROA) | 0.9068% | 2,804 |
| Pretax return on assets | 0.9706% | 3,159 |
| Return on Equity (ROE) | 5.4826% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.2896% | 2,901 |
| Net charge-offs to loans | 0.0057% | 2,937 |
| Credit loss provision to net charge-offs | 9,808.6957% | 123 |
| Earnings coverage of net charge-offs (x) | 354.7391% | 318 |
| Efficiency ratio | 66.9462% | 2,319 |
| Assets per employee ($millions) | 7.5170% | 1,201 |
| Cash dividends to net income (ytd only)* | 21.7588% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,859 |
| Loan loss allowance to noncurrent loans | 2,593.2692% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,347 |
| Noncurrent loans to loans | 0.0369% | 4,241 |
| Net loans and leases to total assets | 64.5871% | 2,690 |
| Net loans and leases to deposits | 77.4367% | 2,597 |
| Net loans and leases to core deposits | 84.4102% | 2,437 |
| Total domestic deposits to total assets | 83.4063% | 3,022 |
| Equity capital to assets | 15.7745% | 497 |
| Core capital (leverage) ratio | 9.1731% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5536% | 2,387 |
| Memoranda: | ||
| Average total assets | $810,863,750 | 1,030 |
| Average earning assets | $683,791,750 | 1,108 |
| Average equity | $134,118,250 | 742 |
| Average total loans | $539,766,000 | 1,066 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 566 |
| Cost of funding earning assets | 0.8814% | 1,457 |
| Net interest margin | 4.3244% | 711 |
| Noninterest income to average assets | 0.4777% | 2,668 |
| Noninterest expense to average assets | 2.7571% | 2,196 |
| Loan and lease loss provision to assets | 0.4280% | 918 |
| Net operating income to assets | 0.8704% | 2,802 |
| Return on assets (ROA) | 0.8704% | 2,924 |
| Pretax return on assets | 0.9317% | 3,223 |
| Return on Equity (ROE) | 5.1751% | 3,778 |
| Retained earnings to average equity (ytd only) | 3.3756% | 3,233 |
| Net charge-offs to loans | -0.0154% | 4,331 |
| Credit loss provision to net charge-offs | -4,139.0244% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9730% | 2,381 |
| Assets per employee ($millions) | 7.9325% | 996 |
| Cash dividends to net income (ytd only)* | 34.7725% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,191 |
| Loan loss allowance to noncurrent loans | 2,196.8610% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,423 |
| Noncurrent loans to loans | 0.0387% | 4,325 |
| Net loans and leases to total assets | 68.0211% | 2,349 |
| Net loans and leases to deposits | 81.7033% | 2,233 |
| Net loans and leases to core deposits | 89.1189% | 2,150 |
| Total domestic deposits to total assets | 83.2538% | 3,011 |
| Equity capital to assets | 15.9720% | 476 |
| Core capital (leverage) ratio | 9.2773% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9358% | 2,641 |
| Memoranda: | ||
| Average total assets | $792,999,333 | 1,035 |
| Average earning assets | $667,325,000 | 1,115 |
| Average equity | $133,369,667 | 736 |
| Average total loans | $531,780,667 | 1,065 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 483 |
| Cost of funding earning assets | 0.9391% | 1,692 |
| Net interest margin | 4.4232% | 593 |
| Noninterest income to average assets | 0.5310% | 2,386 |
| Noninterest expense to average assets | 2.8236% | 2,362 |
| Loan and lease loss provision to assets | 0.0811% | 2,692 |
| Net operating income to assets | 1.2446% | 1,392 |
| Return on assets (ROA) | 1.2446% | 1,494 |
| Pretax return on assets | 1.3325% | 1,774 |
| Return on Equity (ROE) | 7.2022% | 2,867 |
| Retained earnings to average equity (ytd only) | 7.2022% | 1,470 |
| Net charge-offs to loans | -0.0196% | 4,332 |
| Credit loss provision to net charge-offs | -624.0000% | 3,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6380% | 2,869 |
| Assets per employee ($millions) | 7.1490% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 4,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.0443% | 2,936 |
| Net loans and leases to deposits | 79.2070% | 2,757 |
| Net loans and leases to core deposits | 88.2533% | 2,503 |
| Total domestic deposits to total assets | 82.1193% | 3,384 |
| Equity capital to assets | 17.3531% | 402 |
| Core capital (leverage) ratio | 10.2107% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0062% | 2,695 |
| Memoranda: | ||
| Average total assets | $769,076,500 | 1,032 |
| Average earning assets | $644,418,000 | 1,119 |
| Average equity | $132,904,500 | 736 |
| Average total loans | $509,245,500 | 1,088 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 203 |
| Cost of funding earning assets | 1.0490% | 1,517 |
| Net interest margin | 5.0257% | 255 |
| Noninterest income to average assets | 1.8789% | 288 |
| Noninterest expense to average assets | 4.6857% | 262 |
| Loan and lease loss provision to assets | 0.4408% | 313 |
| Net operating income to assets | 0.8460% | 3,399 |
| Return on assets (ROA) | 0.8460% | 3,491 |
| Pretax return on assets | 0.9438% | 3,622 |
| Return on Equity (ROE) | 5.5486% | 4,053 |
| Retained earnings to average equity (ytd only) | -1.3612% | 4,832 |
| Net charge-offs to loans | 0.0120% | 3,260 |
| Credit loss provision to net charge-offs | 4,922.0588% | 91 |
| Earnings coverage of net charge-offs (x) | 154.6176% | 485 |
| Efficiency ratio | 77.1906% | 1,241 |
| Assets per employee ($millions) | 7.2270% | 965 |
| Cash dividends to net income (ytd only)* | 124.5330% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 4,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.5463% | 2,889 |
| Net loans and leases to deposits | 80.8614% | 2,675 |
| Net loans and leases to core deposits | 91.1281% | 2,310 |
| Total domestic deposits to total assets | 82.2967% | 3,422 |
| Equity capital to assets | 17.2084% | 443 |
| Core capital (leverage) ratio | 9.7021% | 3,840 |
| Tier 1 risk-based capital ratio | 11.7812% | 4,480 |
| Total risk-based capital ratio | 12.3414% | 4,717 |
| Memoranda: | ||
| Average total assets | $759,360,400 | 1,018 |
| Average earning assets | $633,284,400 | 1,092 |
| Average equity | $115,776,000 | 786 |
| Average total loans | $567,176,400 | 956 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1687% | 182 |
| Cost of funding earning assets | 1.0751% | 1,448 |
| Net interest margin | 5.0936% | 238 |
| Noninterest income to average assets | 2.3258% | 216 |
| Noninterest expense to average assets | 4.9879% | 214 |
| Loan and lease loss provision to assets | 0.4947% | 243 |
| Net operating income to assets | 0.9689% | 3,088 |
| Return on assets (ROA) | 0.9689% | 3,168 |
| Pretax return on assets | 1.0878% | 3,329 |
| Return on Equity (ROE) | 6.5685% | 3,851 |
| Retained earnings to average equity (ytd only) | -2.9753% | 4,990 |
| Net charge-offs to loans | 0.0110% | 2,973 |
| Credit loss provision to net charge-offs | 5,856.2500% | 71 |
| Earnings coverage of net charge-offs (x) | 187.3495% | 463 |
| Efficiency ratio | 75.9146% | 1,346 |
| Assets per employee ($millions) | 6.8823% | 1,077 |
| Cash dividends to net income (ytd only)* | 145.2960% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4982% | 4,971 |
| Loan loss allowance to noncurrent loans | 156.7872% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,654 |
| Noncurrent loans to loans | 0.3177% | 3,389 |
| Net loans and leases to total assets | 72.4150% | 2,105 |
| Net loans and leases to deposits | 88.2515% | 1,900 |
| Net loans and leases to core deposits | 101.9812% | 1,505 |
| Total domestic deposits to total assets | 82.0553% | 3,463 |
| Equity capital to assets | 17.2600% | 463 |
| Core capital (leverage) ratio | 9.5305% | 4,139 |
| Tier 1 risk-based capital ratio | 10.8301% | 4,981 |
| Total risk-based capital ratio | 11.2775% | 5,132 |
| Memoranda: | ||
| Average total assets | $757,685,000 | 1,019 |
| Average earning assets | $631,386,750 | 1,092 |
| Average equity | $111,763,250 | 811 |
| Average total loans | $580,733,750 | 932 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1521% | 186 |
| Cost of funding earning assets | 1.0119% | 1,635 |
| Net interest margin | 5.1402% | 219 |
| Noninterest income to average assets | 2.5541% | 194 |
| Noninterest expense to average assets | 5.7176% | 149 |
| Loan and lease loss provision to assets | 0.5121% | 225 |
| Net operating income to assets | 0.5793% | 4,360 |
| Return on assets (ROA) | 0.5793% | 4,400 |
| Pretax return on assets | 0.6211% | 4,503 |
| Return on Equity (ROE) | 4.1515% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.1515% | 3,169 |
| Net charge-offs to loans | 0.0090% | 2,812 |
| Credit loss provision to net charge-offs | 7,274.0741% | 43 |
| Earnings coverage of net charge-offs (x) | 160.9630% | 465 |
| Efficiency ratio | 83.4596% | 697 |
| Assets per employee ($millions) | 3.2320% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3163% | 5,161 |
| Loan loss allowance to noncurrent loans | 24.0865% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 1,405 |
| Noncurrent loans to loans | 1.3131% | 1,197 |
| Net loans and leases to total assets | 73.8256% | 1,921 |
| Net loans and leases to deposits | 101.0104% | 608 |
| Net loans and leases to core deposits | 118.7860% | 582 |
| Total domestic deposits to total assets | 73.0872% | 4,900 |
| Equity capital to assets | 15.4853% | 711 |
| Core capital (leverage) ratio | 8.4359% | 4,989 |
| Tier 1 risk-based capital ratio | 10.1025% | 5,210 |
| Total risk-based capital ratio | 10.3993% | 5,283 |
| Memoranda: | ||
| Average total assets | $767,072,330 | 1,009 |
| Average earning assets | $641,179,330 | 1,073 |
| Average equity | $107,045,670 | 841 |
| Average total loans | $597,335,330 | 919 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2392% | 150 |
| Cost of funding earning assets | 0.7749% | 2,669 |
| Net interest margin | 5.4643% | 132 |
| Noninterest income to average assets | 2.2901% | 203 |
| Noninterest expense to average assets | 6.0230% | 139 |
| Loan and lease loss provision to assets | 0.4174% | 274 |
| Net operating income to assets | 0.4413% | 4,651 |
| Return on assets (ROA) | 0.4413% | 4,670 |
| Pretax return on assets | 0.4543% | 4,767 |
| Return on Equity (ROE) | 3.3697% | 4,704 |
| Retained earnings to average equity (ytd only) | -33.9418% | 5,317 |
| Net charge-offs to loans | 0.0041% | 2,573 |
| Credit loss provision to net charge-offs | 12,816.6667% | 14 |
| Earnings coverage of net charge-offs (x) | 267.6667% | 298 |
| Efficiency ratio | 87.3563% | 514 |
| Assets per employee ($millions) | 2.9121% | 5,018 |
| Cash dividends to net income (ytd only)* | 1,107.2571% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1298% | 5,293 |
| Loan loss allowance to noncurrent loans | 9.0333% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 1,225 |
| Noncurrent loans to loans | 1.4374% | 1,127 |
| Net loans and leases to total assets | 74.6882% | 1,691 |
| Net loans and leases to deposits | 91.8564% | 1,418 |
| Net loans and leases to core deposits | 110.1488% | 923 |
| Total domestic deposits to total assets | 81.3097% | 3,902 |
| Equity capital to assets | 16.2911% | 534 |
| Core capital (leverage) ratio | 9.3824% | 4,280 |
| Tier 1 risk-based capital ratio | 9.5798% | 5,326 |
| Total risk-based capital ratio | 9.6984% | 5,343 |
| Memoranda: | ||
| Average total assets | $736,913,500 | 1,042 |
| Average earning assets | $620,978,000 | 1,115 |
| Average equity | $96,506,500 | 915 |
| Average total loans | $589,621,000 | 932 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2334% | 662 |
| Cost of funding earning assets | 0.8617% | 1,257 |
| Net interest margin | 4.3717% | 998 |
| Noninterest income to average assets | 3.0768% | 150 |
| Noninterest expense to average assets | 5.0952% | 196 |
| Loan and lease loss provision to assets | 0.1752% | 1,130 |
| Net operating income to assets | 1.6346% | 803 |
| Return on assets (ROA) | 1.5507% | 987 |
| Pretax return on assets | 1.6396% | 1,346 |
| Return on Equity (ROE) | 16.8220% | 513 |
| Retained earnings to average equity (ytd only) | 4.8767% | 2,845 |
| Net charge-offs to loans | 0.0185% | 3,079 |
| Credit loss provision to net charge-offs | 1,105.6604% | 353 |
| Earnings coverage of net charge-offs (x) | 120.1321% | 650 |
| Efficiency ratio | 72.8069% | 1,795 |
| Assets per employee ($millions) | 2.8076% | 5,089 |
| Cash dividends to net income (ytd only)* | 71.0100% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,135 |
| Loan loss allowance to noncurrent loans | 72.8457% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 860 |
| Noncurrent loans to loans | 1.5026% | 1,013 |
| Net loans and leases to total assets | 84.9095% | 324 |
| Net loans and leases to deposits | 108.3911% | 290 |
| Net loans and leases to core deposits | 131.8456% | 291 |
| Total domestic deposits to total assets | 78.3362% | 4,436 |
| Equity capital to assets | 9.5281% | 4,105 |
| Core capital (leverage) ratio | 9.5402% | 4,074 |
| Tier 1 risk-based capital ratio | 10.4088% | 5,216 |
| Total risk-based capital ratio | 11.4353% | 5,194 |
| Memoranda: | ||
| Average total assets | $669,137,800 | 1,090 |
| Average earning assets | $600,224,600 | 1,112 |
| Average equity | $61,681,000 | 1,289 |
| Average total loans | $571,586,200 | 935 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 826 |
| Cost of funding earning assets | 0.7830% | 1,418 |
| Net interest margin | 4.2746% | 1,172 |
| Noninterest income to average assets | 3.1062% | 155 |
| Noninterest expense to average assets | 5.0661% | 194 |
| Loan and lease loss provision to assets | 0.1848% | 982 |
| Net operating income to assets | 1.6380% | 870 |
| Return on assets (ROA) | 1.6380% | 874 |
| Pretax return on assets | 1.7259% | 1,216 |
| Return on Equity (ROE) | 17.9277% | 434 |
| Retained earnings to average equity (ytd only) | 2.4103% | 4,433 |
| Net charge-offs to loans | 0.0234% | 2,666 |
| Credit loss provision to net charge-offs | 927.2727% | 434 |
| Earnings coverage of net charge-offs (x) | 95.8764% | 781 |
| Efficiency ratio | 72.6132% | 1,794 |
| Assets per employee ($millions) | 2.9399% | 5,078 |
| Cash dividends to net income (ytd only)* | 86.5552% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,345 |
| Loan loss allowance to noncurrent loans | 71.1380% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3908% | 961 |
| Noncurrent loans to loans | 1.5064% | 1,081 |
| Net loans and leases to total assets | 84.1144% | 447 |
| Net loans and leases to deposits | 111.6479% | 244 |
| Net loans and leases to core deposits | 135.0138% | 256 |
| Total domestic deposits to total assets | 75.3390% | 4,853 |
| Equity capital to assets | 8.9702% | 4,576 |
| Core capital (leverage) ratio | 9.2915% | 4,411 |
| Tier 1 risk-based capital ratio | 10.0730% | 5,368 |
| Total risk-based capital ratio | 11.0888% | 5,366 |
| Memoranda: | ||
| Average total assets | $662,350,750 | 1,100 |
| Average earning assets | $599,740,000 | 1,115 |
| Average equity | $60,515,500 | 1,310 |
| Average total loans | $565,043,750 | 945 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 828 |
| Cost of funding earning assets | 0.7443% | 1,403 |
| Net interest margin | 4.2530% | 1,154 |
| Noninterest income to average assets | 3.0936% | 155 |
| Noninterest expense to average assets | 5.0696% | 207 |
| Loan and lease loss provision to assets | 0.1262% | 1,571 |
| Net operating income to assets | 1.6727% | 764 |
| Return on assets (ROA) | 1.6727% | 769 |
| Pretax return on assets | 1.7490% | 1,098 |
| Return on Equity (ROE) | 18.1911% | 400 |
| Retained earnings to average equity (ytd only) | -2.7253% | 5,199 |
| Net charge-offs to loans | 0.0298% | 2,267 |
| Credit loss provision to net charge-offs | 496.3855% | 719 |
| Earnings coverage of net charge-offs (x) | 73.7470% | 874 |
| Efficiency ratio | 72.9984% | 1,848 |
| Assets per employee ($millions) | 2.8312% | 5,203 |
| Cash dividends to net income (ytd only)* | 114.9817% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,701 |
| Loan loss allowance to noncurrent loans | 81.9593% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 1,264 |
| Noncurrent loans to loans | 1.2479% | 1,379 |
| Net loans and leases to total assets | 84.4458% | 412 |
| Net loans and leases to deposits | 106.2687% | 425 |
| Net loans and leases to core deposits | 127.3351% | 384 |
| Total domestic deposits to total assets | 79.4645% | 4,355 |
| Equity capital to assets | 9.0471% | 4,523 |
| Core capital (leverage) ratio | 8.9229% | 4,752 |
| Tier 1 risk-based capital ratio | 10.2104% | 5,368 |
| Total risk-based capital ratio | 11.1973% | 5,389 |
| Memoranda: | ||
| Average total assets | $652,838,330 | 1,120 |
| Average earning assets | $591,155,000 | 1,137 |
| Average equity | $60,029,330 | 1,322 |
| Average total loans | $557,581,330 | 951 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,451 |
| Cost of funding earning assets | 0.6459% | 1,741 |
| Net interest margin | 3.9981% | 1,734 |
| Noninterest income to average assets | 2.8667% | 165 |
| Noninterest expense to average assets | 4.9070% | 230 |
| Loan and lease loss provision to assets | 0.1213% | 1,555 |
| Net operating income to assets | 1.4358% | 1,241 |
| Return on assets (ROA) | 1.4358% | 1,247 |
| Pretax return on assets | 1.4532% | 1,826 |
| Return on Equity (ROE) | 15.4870% | 709 |
| Retained earnings to average equity (ytd only) | -9.5818% | 5,356 |
| Net charge-offs to loans | 0.0297% | 1,906 |
| Credit loss provision to net charge-offs | 478.0488% | 621 |
| Earnings coverage of net charge-offs (x) | 62.0732% | 827 |
| Efficiency ratio | 75.7087% | 1,635 |
| Assets per employee ($millions) | 2.8333% | 5,266 |
| Cash dividends to net income (ytd only)* | 161.8699% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,072 |
| Loan loss allowance to noncurrent loans | 81.9200% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 1,406 |
| Noncurrent loans to loans | 1.1951% | 1,526 |
| Net loans and leases to total assets | 84.8335% | 353 |
| Net loans and leases to deposits | 114.2787% | 174 |
| Net loans and leases to core deposits | 136.7755% | 246 |
| Total domestic deposits to total assets | 74.2338% | 5,129 |
| Equity capital to assets | 8.8044% | 4,738 |
| Core capital (leverage) ratio | 9.4102% | 4,174 |
| Tier 1 risk-based capital ratio | 10.1245% | 5,464 |
| Total risk-based capital ratio | 11.0953% | 5,482 |
| Memoranda: | ||
| Average total assets | $646,587,500 | 1,141 |
| Average earning assets | $584,573,000 | 1,158 |
| Average equity | $59,947,000 | 1,331 |
| Average total loans | $552,543,000 | 962 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 1,307 |
| Cost of funding earning assets | 0.4831% | 2,475 |
| Net interest margin | 4.1666% | 1,261 |
| Noninterest income to average assets | 3.5213% | 146 |
| Noninterest expense to average assets | 5.5684% | 165 |
| Loan and lease loss provision to assets | 0.1630% | 1,366 |
| Net operating income to assets | 1.4384% | 926 |
| Return on assets (ROA) | 1.4384% | 946 |
| Pretax return on assets | 1.5169% | 1,571 |
| Return on Equity (ROE) | 14.4671% | 695 |
| Retained earnings to average equity (ytd only) | -0.2828% | 5,079 |
| Net charge-offs to loans | -0.0066% | 4,696 |
| Credit loss provision to net charge-offs | -2,951.5152% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8234% | 1,508 |
| Assets per employee ($millions) | 2.6232% | 5,412 |
| Cash dividends to net income (ytd only)* | 101.9546% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,716 |
| Loan loss allowance to noncurrent loans | 86.8538% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,356 |
| Noncurrent loans to loans | 1.1902% | 1,493 |
| Net loans and leases to total assets | 84.3399% | 412 |
| Net loans and leases to deposits | 110.5069% | 257 |
| Net loans and leases to core deposits | 130.4574% | 330 |
| Total domestic deposits to total assets | 76.3210% | 4,946 |
| Equity capital to assets | 9.7756% | 3,943 |
| Core capital (leverage) ratio | 10.1844% | 3,217 |
| Tier 1 risk-based capital ratio | 10.8522% | 5,230 |
| Total risk-based capital ratio | 11.8474% | 5,237 |
| Memoranda: | ||
| Average total assets | $597,529,400 | 1,199 |
| Average earning assets | $534,482,600 | 1,232 |
| Average equity | $59,410,800 | 1,320 |
| Average total loans | $498,015,000 | 1,030 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,445 |
| Cost of funding earning assets | 0.4584% | 2,632 |
| Net interest margin | 4.1132% | 1,359 |
| Noninterest income to average assets | 3.6641% | 150 |
| Noninterest expense to average assets | 5.6245% | 173 |
| Loan and lease loss provision to assets | 0.1325% | 1,640 |
| Net operating income to assets | 1.4778% | 939 |
| Return on assets (ROA) | 1.4778% | 955 |
| Pretax return on assets | 1.5820% | 1,483 |
| Return on Equity (ROE) | 14.7979% | 679 |
| Retained earnings to average equity (ytd only) | -4.0787% | 5,522 |
| Net charge-offs to loans | 0.0011% | 3,750 |
| Credit loss provision to net charge-offs | 14,700.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,902.6417% | 39 |
| Efficiency ratio | 76.6386% | 1,506 |
| Assets per employee ($millions) | 2.4789% | 5,532 |
| Cash dividends to net income (ytd only)* | 127.5626% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,024 |
| Loan loss allowance to noncurrent loans | 153.5237% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,487 |
| Noncurrent loans to loans | 0.6543% | 2,747 |
| Net loans and leases to total assets | 82.3522% | 626 |
| Net loans and leases to deposits | 107.9432% | 343 |
| Net loans and leases to core deposits | 124.5683% | 444 |
| Total domestic deposits to total assets | 76.2922% | 4,988 |
| Equity capital to assets | 9.8283% | 4,108 |
| Core capital (leverage) ratio | 9.9750% | 3,598 |
| Tier 1 risk-based capital ratio | 11.0004% | 5,248 |
| Total risk-based capital ratio | 11.9659% | 5,292 |
| Memoranda: | ||
| Average total assets | $591,489,250 | 1,219 |
| Average earning assets | $528,458,500 | 1,255 |
| Average equity | $59,070,000 | 1,338 |
| Average total loans | $490,066,250 | 1,051 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 1,475 |
| Cost of funding earning assets | 0.4238% | 2,861 |
| Net interest margin | 4.0936% | 1,340 |
| Noninterest income to average assets | 3.6795% | 158 |
| Noninterest expense to average assets | 5.6361% | 174 |
| Loan and lease loss provision to assets | 0.1301% | 1,598 |
| Net operating income to assets | 1.4626% | 930 |
| Return on assets (ROA) | 1.4626% | 954 |
| Pretax return on assets | 1.5658% | 1,443 |
| Return on Equity (ROE) | 14.5662% | 726 |
| Retained earnings to average equity (ytd only) | -7.9905% | 5,612 |
| Net charge-offs to loans | -0.0041% | 4,290 |
| Credit loss provision to net charge-offs | -3,820.0000% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8691% | 1,598 |
| Assets per employee ($millions) | 2.4491% | 5,573 |
| Cash dividends to net income (ytd only)* | 154.8567% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 4,309 |
| Loan loss allowance to noncurrent loans | 137.9291% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 2,596 |
| Noncurrent loans to loans | 0.7048% | 2,641 |
| Net loans and leases to total assets | 83.2225% | 523 |
| Net loans and leases to deposits | 108.4494% | 307 |
| Net loans and leases to core deposits | 126.0928% | 395 |
| Total domestic deposits to total assets | 76.7385% | 4,995 |
| Equity capital to assets | 9.9054% | 4,027 |
| Core capital (leverage) ratio | 9.9468% | 3,601 |
| Tier 1 risk-based capital ratio | 11.3817% | 5,029 |
| Total risk-based capital ratio | 12.3636% | 5,088 |
| Memoranda: | ||
| Average total assets | $587,036,670 | 1,229 |
| Average earning assets | $523,788,000 | 1,269 |
| Average equity | $58,944,670 | 1,336 |
| Average total loans | $485,702,000 | 1,059 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 1,470 |
| Cost of funding earning assets | 0.4118% | 2,885 |
| Net interest margin | 4.0484% | 1,351 |
| Noninterest income to average assets | 3.4999% | 172 |
| Noninterest expense to average assets | 5.5383% | 189 |
| Loan and lease loss provision to assets | 0.1482% | 1,257 |
| Net operating income to assets | 1.3221% | 1,187 |
| Return on assets (ROA) | 1.3221% | 1,221 |
| Pretax return on assets | 1.4155% | 1,835 |
| Return on Equity (ROE) | 13.0773% | 981 |
| Retained earnings to average equity (ytd only) | -15.9615% | 5,681 |
| Net charge-offs to loans | -0.0309% | 4,946 |
| Credit loss provision to net charge-offs | -583.7838% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9828% | 1,630 |
| Assets per employee ($millions) | 2.2503% | 5,700 |
| Cash dividends to net income (ytd only)* | 222.0550% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,168 |
| Loan loss allowance to noncurrent loans | 184.7809% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 3,218 |
| Noncurrent loans to loans | 0.5514% | 3,159 |
| Net loans and leases to total assets | 80.9082% | 709 |
| Net loans and leases to deposits | 98.6294% | 716 |
| Net loans and leases to core deposits | 116.8175% | 568 |
| Total domestic deposits to total assets | 82.0325% | 4,157 |
| Equity capital to assets | 10.3745% | 3,327 |
| Core capital (leverage) ratio | 9.9271% | 3,593 |
| Tier 1 risk-based capital ratio | 11.2481% | 5,173 |
| Total risk-based capital ratio | 12.2019% | 5,252 |
| Memoranda: | ||
| Average total assets | $582,990,500 | 1,235 |
| Average earning assets | $518,725,000 | 1,272 |
| Average equity | $58,942,000 | 1,337 |
| Average total loans | $478,481,500 | 1,067 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 1,553 |
| Cost of funding earning assets | 0.3956% | 3,042 |
| Net interest margin | 4.0977% | 1,383 |
| Noninterest income to average assets | 4.8233% | 123 |
| Noninterest expense to average assets | 5.8216% | 175 |
| Loan and lease loss provision to assets | 0.1456% | 1,713 |
| Net operating income to assets | 2.3423% | 185 |
| Return on assets (ROA) | 2.3423% | 191 |
| Pretax return on assets | 2.5064% | 198 |
| Return on Equity (ROE) | 23.5889% | 105 |
| Retained earnings to average equity (ytd only) | 7.9726% | 865 |
| Net charge-offs to loans | 0.0459% | 3,122 |
| Credit loss provision to net charge-offs | 384.4037% | 822 |
| Earnings coverage of net charge-offs (x) | 70.0092% | 791 |
| Efficiency ratio | 68.7030% | 3,128 |
| Assets per employee ($millions) | 2.4149% | 5,702 |
| Cash dividends to net income (ytd only)* | 66.2018% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,766 |
| Loan loss allowance to noncurrent loans | 142.1756% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 2,688 |
| Noncurrent loans to loans | 0.6372% | 2,942 |
| Net loans and leases to total assets | 81.6422% | 648 |
| Net loans and leases to deposits | 104.8274% | 394 |
| Net loans and leases to core deposits | 122.6367% | 411 |
| Total domestic deposits to total assets | 77.8825% | 4,991 |
| Equity capital to assets | 9.8601% | 3,867 |
| Core capital (leverage) ratio | 10.1199% | 3,341 |
| Tier 1 risk-based capital ratio | 11.0418% | 5,326 |
| Total risk-based capital ratio | 11.9172% | 5,417 |
| Memoranda: | ||
| Average total assets | $575,493,000 | 1,214 |
| Average earning assets | $512,652,600 | 1,251 |
| Average equity | $57,145,600 | 1,341 |
| Average total loans | $474,968,600 | 1,019 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 1,614 |
| Cost of funding earning assets | 0.3855% | 3,168 |
| Net interest margin | 4.0924% | 1,406 |
| Noninterest income to average assets | 4.9916% | 123 |
| Noninterest expense to average assets | 5.8176% | 181 |
| Loan and lease loss provision to assets | 0.0981% | 2,264 |
| Net operating income to assets | 2.5459% | 151 |
| Return on assets (ROA) | 2.5459% | 154 |
| Pretax return on assets | 2.7181% | 158 |
| Return on Equity (ROE) | 25.5914% | 77 |
| Retained earnings to average equity (ytd only) | 5.4185% | 2,537 |
| Net charge-offs to loans | 0.0028% | 3,839 |
| Credit loss provision to net charge-offs | 4,190.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 1,203.4711% | 54 |
| Efficiency ratio | 67.3815% | 3,341 |
| Assets per employee ($millions) | 2.4638% | 5,741 |
| Cash dividends to net income (ytd only)* | 78.8269% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 5,108 |
| Loan loss allowance to noncurrent loans | 133.0003% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 3,139 |
| Noncurrent loans to loans | 0.6222% | 3,150 |
| Net loans and leases to total assets | 83.2158% | 489 |
| Net loans and leases to deposits | 111.4086% | 233 |
| Net loans and leases to core deposits | 130.4916% | 296 |
| Total domestic deposits to total assets | 74.6942% | 5,371 |
| Equity capital to assets | 9.3436% | 4,828 |
| Core capital (leverage) ratio | 9.6121% | 4,040 |
| Tier 1 risk-based capital ratio | 10.3574% | 5,674 |
| Total risk-based capital ratio | 11.1835% | 5,769 |
| Memoranda: | ||
| Average total assets | $569,639,750 | 1,227 |
| Average earning assets | $506,981,500 | 1,267 |
| Average equity | $56,668,750 | 1,365 |
| Average total loans | $470,353,250 | 1,027 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,754 |
| Cost of funding earning assets | 0.3657% | 3,402 |
| Net interest margin | 4.0609% | 1,475 |
| Noninterest income to average assets | 4.9309% | 124 |
| Noninterest expense to average assets | 5.7194% | 191 |
| Loan and lease loss provision to assets | 0.0814% | 2,508 |
| Net operating income to assets | 2.5545% | 142 |
| Return on assets (ROA) | 2.5545% | 142 |
| Pretax return on assets | 2.7278% | 159 |
| Return on Equity (ROE) | 25.1154% | 89 |
| Retained earnings to average equity (ytd only) | 5.8989% | 2,183 |
| Net charge-offs to loans | -0.0066% | 4,589 |
| Credit loss provision to net charge-offs | -1,506.6667% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0610% | 3,525 |
| Assets per employee ($millions) | 2.4952% | 5,787 |
| Cash dividends to net income (ytd only)* | 76.5129% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 5,240 |
| Loan loss allowance to noncurrent loans | 117.0195% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 3,288 |
| Noncurrent loans to loans | 0.6958% | 2,992 |
| Net loans and leases to total assets | 82.5289% | 569 |
| Net loans and leases to deposits | 117.5620% | 127 |
| Net loans and leases to core deposits | 134.8765% | 240 |
| Total domestic deposits to total assets | 70.2004% | 5,773 |
| Equity capital to assets | 9.3965% | 4,870 |
| Core capital (leverage) ratio | 9.9197% | 3,663 |
| Tier 1 risk-based capital ratio | 10.5907% | 5,632 |
| Total risk-based capital ratio | 11.4203% | 5,737 |
| Memoranda: | ||
| Average total assets | $555,026,330 | 1,260 |
| Average earning assets | $491,708,000 | 1,300 |
| Average equity | $56,451,330 | 1,372 |
| Average total loans | $455,547,000 | 1,067 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 1,477 |
| Cost of funding earning assets | 0.3618% | 3,486 |
| Net interest margin | 4.1491% | 1,218 |
| Noninterest income to average assets | 5.6448% | 102 |
| Noninterest expense to average assets | 5.8438% | 186 |
| Loan and lease loss provision to assets | 0.0814% | 2,326 |
| Net operating income to assets | 3.1518% | 84 |
| Return on assets (ROA) | 3.1518% | 84 |
| Pretax return on assets | 3.3674% | 101 |
| Return on Equity (ROE) | 29.7017% | 50 |
| Retained earnings to average equity (ytd only) | 18.5414% | 118 |
| Net charge-offs to loans | -0.0639% | 5,453 |
| Credit loss provision to net charge-offs | -156.5217% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8863% | 4,313 |
| Assets per employee ($millions) | 2.3694% | 5,905 |
| Cash dividends to net income (ytd only)* | 37.5747% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,995 |
| Loan loss allowance to noncurrent loans | 142.1461% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 3,287 |
| Noncurrent loans to loans | 0.6466% | 3,233 |
| Net loans and leases to total assets | 81.7883% | 587 |
| Net loans and leases to deposits | 102.2796% | 494 |
| Net loans and leases to core deposits | 118.5841% | 507 |
| Total domestic deposits to total assets | 79.9653% | 4,753 |
| Equity capital to assets | 10.8628% | 3,093 |
| Core capital (leverage) ratio | 10.8202% | 2,602 |
| Tier 1 risk-based capital ratio | 11.8914% | 4,983 |
| Total risk-based capital ratio | 12.7994% | 5,108 |
| Memoranda: | ||
| Average total assets | $530,614,500 | 1,313 |
| Average earning assets | $466,510,000 | 1,359 |
| Average equity | $56,306,500 | 1,370 |
| Average total loans | $432,099,500 | 1,126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 1,480 |
| Cost of funding earning assets | 0.3768% | 3,407 |
| Net interest margin | 4.1645% | 1,254 |
| Noninterest income to average assets | 4.9712% | 124 |
| Noninterest expense to average assets | 5.9703% | 179 |
| Loan and lease loss provision to assets | 0.0740% | 2,793 |
| Net operating income to assets | 2.4086% | 170 |
| Return on assets (ROA) | 2.4086% | 173 |
| Pretax return on assets | 2.5776% | 181 |
| Return on Equity (ROE) | 24.3097% | 114 |
| Retained earnings to average equity (ytd only) | 15.9675% | 114 |
| Net charge-offs to loans | 0.0154% | 3,978 |
| Credit loss provision to net charge-offs | 589.0625% | 573 |
| Earnings coverage of net charge-offs (x) | 211.1250% | 324 |
| Efficiency ratio | 69.2462% | 3,353 |
| Assets per employee ($millions) | 2.3065% | 5,967 |
| Cash dividends to net income (ytd only)* | 34.3164% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 5,071 |
| Loan loss allowance to noncurrent loans | 605.3459% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 5,113 |
| Noncurrent loans to loans | 0.1493% | 4,901 |
| Net loans and leases to total assets | 79.5943% | 904 |
| Net loans and leases to deposits | 104.8249% | 402 |
| Net loans and leases to core deposits | 121.5013% | 439 |
| Total domestic deposits to total assets | 75.9307% | 5,451 |
| Equity capital to assets | 10.3603% | 3,558 |
| Core capital (leverage) ratio | 9.5507% | 4,100 |
| Tier 1 risk-based capital ratio | 10.7451% | 5,646 |
| Total risk-based capital ratio | 11.6327% | 5,750 |
| Memoranda: | ||
| Average total assets | $509,591,800 | 1,318 |
| Average earning assets | $446,701,000 | 1,388 |
| Average equity | $50,490,200 | 1,474 |
| Average total loans | $415,685,400 | 1,101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,520 |
| Cost of funding earning assets | 0.3807% | 3,429 |
| Net interest margin | 4.1460% | 1,286 |
| Noninterest income to average assets | 5.2693% | 123 |
| Noninterest expense to average assets | 6.0830% | 175 |
| Loan and lease loss provision to assets | 0.0420% | 3,372 |
| Net operating income to assets | 2.6012% | 144 |
| Return on assets (ROA) | 2.6012% | 148 |
| Pretax return on assets | 2.7836% | 148 |
| Return on Equity (ROE) | 26.5727% | 88 |
| Retained earnings to average equity (ytd only) | 15.1983% | 157 |
| Net charge-offs to loans | -0.0010% | 4,662 |
| Credit loss provision to net charge-offs | -5,300.0000% | 5,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2819% | 3,489 |
| Assets per employee ($millions) | 2.3693% | 6,026 |
| Cash dividends to net income (ytd only)* | 42.8049% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 5,312 |
| Loan loss allowance to noncurrent loans | 473.6236% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,009 |
| Noncurrent loans to loans | 0.1825% | 4,915 |
| Net loans and leases to total assets | 80.6632% | 729 |
| Net loans and leases to deposits | 105.5489% | 382 |
| Net loans and leases to core deposits | 122.5758% | 407 |
| Total domestic deposits to total assets | 76.4226% | 5,425 |
| Equity capital to assets | 9.9998% | 4,148 |
| Core capital (leverage) ratio | 9.0708% | 4,914 |
| Tier 1 risk-based capital ratio | 10.3651% | 5,934 |
| Total risk-based capital ratio | 11.2236% | 6,008 |
| Memoranda: | ||
| Average total assets | $504,367,500 | 1,336 |
| Average earning assets | $442,732,750 | 1,404 |
| Average equity | $49,372,750 | 1,512 |
| Average total loans | $413,084,500 | 1,107 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,676 |
| Cost of funding earning assets | 0.3844% | 3,432 |
| Net interest margin | 4.0712% | 1,443 |
| Noninterest income to average assets | 5.3850% | 121 |
| Noninterest expense to average assets | 6.1702% | 175 |
| Loan and lease loss provision to assets | 0.0507% | 3,107 |
| Net operating income to assets | 2.5674% | 155 |
| Return on assets (ROA) | 2.5674% | 160 |
| Pretax return on assets | 2.7472% | 174 |
| Return on Equity (ROE) | 26.4276% | 93 |
| Retained earnings to average equity (ytd only) | 10.9238% | 513 |
| Net charge-offs to loans | -0.0069% | 4,820 |
| Credit loss provision to net charge-offs | -900.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8019% | 3,536 |
| Assets per employee ($millions) | 2.3464% | 6,108 |
| Cash dividends to net income (ytd only)* | 58.6650% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 5,439 |
| Loan loss allowance to noncurrent loans | 273.5863% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 4,530 |
| Noncurrent loans to loans | 0.3139% | 4,568 |
| Net loans and leases to total assets | 81.4912% | 606 |
| Net loans and leases to deposits | 109.9557% | 263 |
| Net loans and leases to core deposits | 127.9617% | 311 |
| Total domestic deposits to total assets | 74.1128% | 5,779 |
| Equity capital to assets | 9.5166% | 4,631 |
| Core capital (leverage) ratio | 8.7885% | 5,236 |
| Tier 1 risk-based capital ratio | 10.1219% | 6,051 |
| Total risk-based capital ratio | 10.9962% | 6,119 |
| Memoranda: | ||
| Average total assets | $497,162,670 | 1,362 |
| Average earning assets | $437,561,670 | 1,434 |
| Average equity | $48,298,000 | 1,551 |
| Average total loans | $408,121,670 | 1,124 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 1,719 |
| Cost of funding earning assets | 0.3939% | 3,373 |
| Net interest margin | 4.0206% | 1,494 |
| Noninterest income to average assets | 4.9438% | 127 |
| Noninterest expense to average assets | 6.0326% | 188 |
| Loan and lease loss provision to assets | 0.0767% | 2,419 |
| Net operating income to assets | 2.2287% | 218 |
| Return on assets (ROA) | 2.2287% | 231 |
| Pretax return on assets | 2.3845% | 285 |
| Return on Equity (ROE) | 22.6936% | 159 |
| Retained earnings to average equity (ytd only) | 9.0556% | 1,177 |
| Net charge-offs to loans | -0.0332% | 5,312 |
| Credit loss provision to net charge-offs | -281.8182% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0238% | 3,316 |
| Assets per employee ($millions) | 2.2814% | 6,201 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 5,516 |
| Loan loss allowance to noncurrent loans | 201.8182% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 4,269 |
| Noncurrent loans to loans | 0.4326% | 4,300 |
| Net loans and leases to total assets | 82.1065% | 451 |
| Net loans and leases to deposits | 106.4101% | 304 |
| Net loans and leases to core deposits | 122.2658% | 366 |
| Total domestic deposits to total assets | 77.1604% | 5,589 |
| Equity capital to assets | 9.5265% | 4,717 |
| Core capital (leverage) ratio | 8.8168% | 5,183 |
| Tier 1 risk-based capital ratio | 10.4999% | 6,012 |
| Total risk-based capital ratio | 11.4162% | 6,062 |
| Memoranda: | ||
| Average total assets | $485,295,000 | 1,404 |
| Average earning assets | $428,489,500 | 1,470 |
| Average equity | $47,661,000 | 1,580 |
| Average total loans | $398,101,000 | 1,155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 1,074 |
| Cost of funding earning assets | 0.4573% | 3,100 |
| Net interest margin | 4.3629% | 943 |
| Noninterest income to average assets | 4.2046% | 143 |
| Noninterest expense to average assets | 6.0513% | 177 |
| Loan and lease loss provision to assets | 0.1868% | 1,377 |
| Net operating income to assets | 1.6615% | 623 |
| Return on assets (ROA) | 1.6615% | 652 |
| Pretax return on assets | 1.7785% | 832 |
| Return on Equity (ROE) | 16.6717% | 532 |
| Retained earnings to average equity (ytd only) | 10.0882% | 505 |
| Net charge-offs to loans | 0.0429% | 3,963 |
| Credit loss provision to net charge-offs | 536.7742% | 494 |
| Earnings coverage of net charge-offs (x) | 56.4839% | 837 |
| Efficiency ratio | 75.4851% | 2,599 |
| Assets per employee ($millions) | 2.0906% | 6,347 |
| Cash dividends to net income (ytd only)* | 39.4893% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 5,339 |
| Loan loss allowance to noncurrent loans | 245.1143% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 4,161 |
| Noncurrent loans to loans | 0.3831% | 4,492 |
| Net loans and leases to total assets | 80.4009% | 689 |
| Net loans and leases to deposits | 99.5122% | 655 |
| Net loans and leases to core deposits | 115.3539% | 544 |
| Total domestic deposits to total assets | 80.7950% | 4,796 |
| Equity capital to assets | 10.1424% | 3,930 |
| Core capital (leverage) ratio | 9.5920% | 4,116 |
| Tier 1 risk-based capital ratio | 12.2495% | 5,193 |
| Total risk-based capital ratio | 13.2186% | 5,285 |
| Memoranda: | ||
| Average total assets | $445,487,800 | 1,486 |
| Average earning assets | $389,233,600 | 1,564 |
| Average equity | $44,398,600 | 1,626 |
| Average total loans | $361,063,000 | 1,231 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 1,149 |
| Cost of funding earning assets | 0.4629% | 3,125 |
| Net interest margin | 4.3126% | 1,025 |
| Noninterest income to average assets | 3.9352% | 150 |
| Noninterest expense to average assets | 5.7048% | 208 |
| Loan and lease loss provision to assets | 0.1328% | 1,890 |
| Net operating income to assets | 1.7352% | 576 |
| Return on assets (ROA) | 1.7352% | 590 |
| Pretax return on assets | 1.8567% | 788 |
| Return on Equity (ROE) | 17.4916% | 493 |
| Retained earnings to average equity (ytd only) | 10.3328% | 625 |
| Net charge-offs to loans | 0.0325% | 3,837 |
| Credit loss provision to net charge-offs | 504.5977% | 564 |
| Earnings coverage of net charge-offs (x) | 75.6073% | 733 |
| Efficiency ratio | 74.1431% | 2,799 |
| Assets per employee ($millions) | 2.1316% | 6,407 |
| Cash dividends to net income (ytd only)* | 40.9273% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8475% | 5,751 |
| Loan loss allowance to noncurrent loans | 183.9633% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 4,210 |
| Noncurrent loans to loans | 0.4607% | 4,522 |
| Net loans and leases to total assets | 80.8699% | 627 |
| Net loans and leases to deposits | 100.4735% | 589 |
| Net loans and leases to core deposits | 112.5329% | 637 |
| Total domestic deposits to total assets | 80.4887% | 4,968 |
| Equity capital to assets | 9.8875% | 4,311 |
| Core capital (leverage) ratio | 9.7150% | 4,054 |
| Tier 1 risk-based capital ratio | 12.2817% | 5,313 |
| Total risk-based capital ratio | 13.1816% | 5,452 |
| Memoranda: | ||
| Average total assets | $440,832,500 | 1,521 |
| Average earning assets | $384,264,000 | 1,594 |
| Average equity | $43,730,250 | 1,653 |
| Average total loans | $357,157,500 | 1,244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 1,165 |
| Cost of funding earning assets | 0.4690% | 3,116 |
| Net interest margin | 4.2849% | 1,059 |
| Noninterest income to average assets | 3.8408% | 151 |
| Noninterest expense to average assets | 5.5249% | 229 |
| Loan and lease loss provision to assets | 0.0906% | 2,516 |
| Net operating income to assets | 1.8208% | 474 |
| Return on assets (ROA) | 1.8208% | 488 |
| Pretax return on assets | 1.9484% | 619 |
| Return on Equity (ROE) | 18.3339% | 433 |
| Retained earnings to average equity (ytd only) | 7.4108% | 1,562 |
| Net charge-offs to loans | 0.0503% | 3,256 |
| Credit loss provision to net charge-offs | 222.7273% | 1,071 |
| Earnings coverage of net charge-offs (x) | 50.1477% | 907 |
| Efficiency ratio | 73.0438% | 3,152 |
| Assets per employee ($millions) | 2.1615% | 6,453 |
| Cash dividends to net income (ytd only)* | 59.5788% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 6,012 |
| Loan loss allowance to noncurrent loans | 202.4557% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 4,070 |
| Noncurrent loans to loans | 0.3880% | 4,830 |
| Net loans and leases to total assets | 80.6663% | 606 |
| Net loans and leases to deposits | 96.1209% | 793 |
| Net loans and leases to core deposits | 111.4728% | 631 |
| Total domestic deposits to total assets | 83.9217% | 3,949 |
| Equity capital to assets | 9.4943% | 4,756 |
| Core capital (leverage) ratio | 9.5815% | 4,205 |
| Tier 1 risk-based capital ratio | 12.0264% | 5,524 |
| Total risk-based capital ratio | 12.8696% | 5,685 |
| Memoranda: | ||
| Average total assets | $432,878,000 | 1,547 |
| Average earning assets | $376,107,330 | 1,620 |
| Average equity | $42,991,330 | 1,662 |
| Average total loans | $349,873,000 | 1,258 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 1,405 |
| Cost of funding earning assets | 0.4711% | 3,221 |
| Net interest margin | 4.1669% | 1,304 |
| Noninterest income to average assets | 3.0392% | 180 |
| Noninterest expense to average assets | 4.9579% | 326 |
| Loan and lease loss provision to assets | 0.0508% | 3,082 |
| Net operating income to assets | 1.5378% | 751 |
| Return on assets (ROA) | 1.5378% | 784 |
| Pretax return on assets | 1.6453% | 1,080 |
| Return on Equity (ROE) | 15.1136% | 761 |
| Retained earnings to average equity (ytd only) | 2.6682% | 4,476 |
| Net charge-offs to loans | 0.0119% | 3,371 |
| Credit loss provision to net charge-offs | 530.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 176.8000% | 283 |
| Efficiency ratio | 74.5098% | 3,044 |
| Assets per employee ($millions) | 2.0937% | 6,549 |
| Cash dividends to net income (ytd only)* | 82.3456% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 6,069 |
| Loan loss allowance to noncurrent loans | 185.7326% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 3,960 |
| Noncurrent loans to loans | 0.4384% | 4,835 |
| Net loans and leases to total assets | 81.2082% | 433 |
| Net loans and leases to deposits | 104.4216% | 279 |
| Net loans and leases to core deposits | 111.1354% | 542 |
| Total domestic deposits to total assets | 77.7695% | 5,861 |
| Equity capital to assets | 9.7839% | 4,127 |
| Core capital (leverage) ratio | 10.3197% | 3,152 |
| Tier 1 risk-based capital ratio | 11.6225% | 5,845 |
| Total risk-based capital ratio | 12.4419% | 6,025 |
| Memoranda: | ||
| Average total assets | $416,951,000 | 1,608 |
| Average earning assets | $361,705,000 | 1,682 |
| Average equity | $42,425,500 | 1,684 |
| Average total loans | $335,884,500 | 1,306 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7528% | 1,435 |
| Cost of funding earning assets | 0.6100% | 2,570 |
| Net interest margin | 4.1427% | 1,533 |
| Noninterest income to average assets | 5.3851% | 123 |
| Noninterest expense to average assets | 6.9167% | 150 |
| Loan and lease loss provision to assets | 0.0352% | 4,416 |
| Net operating income to assets | 1.8748% | 419 |
| Return on assets (ROA) | 1.8748% | 427 |
| Pretax return on assets | 2.0064% | 474 |
| Return on Equity (ROE) | 18.8549% | 353 |
| Retained earnings to average equity (ytd only) | 3.9785% | 3,364 |
| Net charge-offs to loans | 0.2987% | 2,197 |
| Credit loss provision to net charge-offs | 15.2866% | 4,522 |
| Earnings coverage of net charge-offs (x) | 8.8641% | 2,592 |
| Efficiency ratio | 77.2101% | 2,590 |
| Assets per employee ($millions) | 1.8793% | 6,663 |
| Cash dividends to net income (ytd only)* | 78.8993% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 5,900 |
| Loan loss allowance to noncurrent loans | 171.7718% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 3,162 |
| Noncurrent loans to loans | 0.5282% | 4,670 |
| Net loans and leases to total assets | 78.3994% | 773 |
| Net loans and leases to deposits | 95.5514% | 762 |
| Net loans and leases to core deposits | 102.2292% | 1,010 |
| Total domestic deposits to total assets | 82.0494% | 4,858 |
| Equity capital to assets | 10.6029% | 3,043 |
| Core capital (leverage) ratio | 10.4037% | 3,019 |
| Tier 1 risk-based capital ratio | 12.7202% | 5,160 |
| Total risk-based capital ratio | 13.6084% | 5,314 |
| Memoranda: | ||
| Average total assets | $408,997,800 | 1,614 |
| Average earning assets | $352,764,000 | 1,701 |
| Average equity | $40,668,400 | 1,720 |
| Average total loans | $315,386,000 | 1,343 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 1,692 |
| Cost of funding earning assets | 0.6264% | 2,589 |
| Net interest margin | 4.0404% | 1,820 |
| Noninterest income to average assets | 5.5862% | 126 |
| Noninterest expense to average assets | 6.6535% | 158 |
| Loan and lease loss provision to assets | 0.0998% | 3,095 |
| Net operating income to assets | 2.1724% | 275 |
| Return on assets (ROA) | 2.1724% | 281 |
| Pretax return on assets | 2.3240% | 307 |
| Return on Equity (ROE) | 22.2036% | 197 |
| Retained earnings to average equity (ytd only) | 3.4165% | 4,254 |
| Net charge-offs to loans | 0.2447% | 2,347 |
| Credit loss provision to net charge-offs | 53.1952% | 3,432 |
| Earnings coverage of net charge-offs (x) | 12.9240% | 2,082 |
| Efficiency ratio | 73.2988% | 3,175 |
| Assets per employee ($millions) | 1.9228% | 6,725 |
| Cash dividends to net income (ytd only)* | 84.6131% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 5,123 |
| Loan loss allowance to noncurrent loans | 85.7034% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 2,529 |
| Noncurrent loans to loans | 1.3405% | 3,180 |
| Net loans and leases to total assets | 71.1569% | 1,753 |
| Net loans and leases to deposits | 84.4200% | 1,828 |
| Net loans and leases to core deposits | 90.3367% | 1,936 |
| Total domestic deposits to total assets | 84.2891% | 4,068 |
| Equity capital to assets | 10.1766% | 3,670 |
| Core capital (leverage) ratio | 9.7858% | 3,981 |
| Tier 1 risk-based capital ratio | 13.0048% | 5,119 |
| Total risk-based capital ratio | 14.0943% | 5,169 |
| Memoranda: | ||
| Average total assets | $411,644,750 | 1,614 |
| Average earning assets | $355,664,500 | 1,702 |
| Average equity | $40,274,750 | 1,743 |
| Average total loans | $315,429,750 | 1,347 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,969 |
| Cost of funding earning assets | 0.6332% | 2,650 |
| Net interest margin | 3.9338% | 2,094 |
| Noninterest income to average assets | 5.6269% | 132 |
| Noninterest expense to average assets | 6.5203% | 171 |
| Loan and lease loss provision to assets | 0.1319% | 2,668 |
| Net operating income to assets | 2.2380% | 243 |
| Return on assets (ROA) | 2.2380% | 259 |
| Pretax return on assets | 2.3946% | 308 |
| Return on Equity (ROE) | 23.1820% | 173 |
| Retained earnings to average equity (ytd only) | -5.3308% | 6,477 |
| Net charge-offs to loans | 0.2321% | 2,335 |
| Credit loss provision to net charge-offs | 72.7273% | 2,767 |
| Earnings coverage of net charge-offs (x) | 13.9278% | 1,863 |
| Efficiency ratio | 72.0727% | 3,453 |
| Assets per employee ($millions) | 1.8681% | 6,785 |
| Cash dividends to net income (ytd only)* | 122.9952% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,299 |
| Loan loss allowance to noncurrent loans | 98.8602% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5307% | 2,812 |
| Noncurrent loans to loans | 1.1477% | 3,633 |
| Net loans and leases to total assets | 75.7425% | 1,012 |
| Net loans and leases to deposits | 90.9776% | 1,054 |
| Net loans and leases to core deposits | 97.6996% | 1,236 |
| Total domestic deposits to total assets | 83.2541% | 4,611 |
| Equity capital to assets | 9.6809% | 4,338 |
| Core capital (leverage) ratio | 9.5792% | 4,107 |
| Tier 1 risk-based capital ratio | 12.1805% | 5,689 |
| Total risk-based capital ratio | 13.3066% | 5,712 |
| Memoranda: | ||
| Average total assets | $412,340,670 | 1,609 |
| Average earning assets | $358,487,330 | 1,694 |
| Average equity | $39,806,670 | 1,770 |
| Average total loans | $322,301,330 | 1,316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 2,317 |
| Cost of funding earning assets | 0.6485% | 2,673 |
| Net interest margin | 3.8115% | 2,404 |
| Noninterest income to average assets | 4.7927% | 152 |
| Noninterest expense to average assets | 5.6421% | 246 |
| Loan and lease loss provision to assets | 0.2087% | 1,782 |
| Net operating income to assets | 2.1268% | 278 |
| Return on assets (ROA) | 2.1268% | 302 |
| Pretax return on assets | 2.2756% | 367 |
| Return on Equity (ROE) | 22.0610% | 195 |
| Retained earnings to average equity (ytd only) | -25.3987% | 6,877 |
| Net charge-offs to loans | 0.0453% | 3,392 |
| Credit loss provision to net charge-offs | 583.7838% | 467 |
| Earnings coverage of net charge-offs (x) | 69.4865% | 517 |
| Efficiency ratio | 69.4293% | 4,073 |
| Assets per employee ($millions) | 1.9376% | 6,859 |
| Cash dividends to net income (ytd only)* | 215.1295% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,921 |
| Loan loss allowance to noncurrent loans | 94.2289% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 2,375 |
| Noncurrent loans to loans | 1.3313% | 3,567 |
| Net loans and leases to total assets | 74.5840% | 998 |
| Net loans and leases to deposits | 89.3493% | 1,019 |
| Net loans and leases to core deposits | 96.0237% | 1,200 |
| Total domestic deposits to total assets | 83.4747% | 4,682 |
| Equity capital to assets | 9.5297% | 4,807 |
| Core capital (leverage) ratio | 9.2608% | 4,461 |
| Tier 1 risk-based capital ratio | 12.0203% | 5,903 |
| Total risk-based capital ratio | 13.2299% | 5,892 |
| Memoranda: | ||
| Average total assets | $413,959,500 | 1,620 |
| Average earning assets | $362,064,000 | 1,688 |
| Average equity | $39,907,500 | 1,781 |
| Average total loans | $326,741,500 | 1,301 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 1,949 |
| Cost of funding earning assets | 0.7281% | 3,271 |
| Net interest margin | 4.1420% | 1,851 |
| Noninterest income to average assets | 8.3903% | 86 |
| Noninterest expense to average assets | 7.6566% | 121 |
| Loan and lease loss provision to assets | 0.1929% | 3,223 |
| Net operating income to assets | 3.9626% | 61 |
| Return on assets (ROA) | 3.9626% | 63 |
| Pretax return on assets | 4.2393% | 73 |
| Return on Equity (ROE) | 43.4620% | 20 |
| Retained earnings to average equity (ytd only) | 21.4250% | 51 |
| Net charge-offs to loans | 0.2129% | 3,686 |
| Credit loss provision to net charge-offs | 110.8853% | 2,633 |
| Earnings coverage of net charge-offs (x) | 25.4790% | 1,135 |
| Efficiency ratio | 63.3362% | 5,007 |
| Assets per employee ($millions) | 2.0046% | 6,901 |
| Cash dividends to net income (ytd only)* | 50.7040% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,753 |
| Loan loss allowance to noncurrent loans | 89.2195% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 2,993 |
| Noncurrent loans to loans | 1.1795% | 3,882 |
| Net loans and leases to total assets | 81.3204% | 375 |
| Net loans and leases to deposits | 103.3016% | 289 |
| Net loans and leases to core deposits | 111.0355% | 504 |
| Total domestic deposits to total assets | 78.7214% | 5,951 |
| Equity capital to assets | 9.7464% | 4,535 |
| Core capital (leverage) ratio | 10.0588% | 3,332 |
| Tier 1 risk-based capital ratio | 12.2150% | 5,646 |
| Total risk-based capital ratio | 13.3380% | 5,690 |
| Memoranda: | ||
| Average total assets | $396,077,000 | 1,655 |
| Average earning assets | $353,671,200 | 1,688 |
| Average equity | $36,112,000 | 1,915 |
| Average total loans | $323,641,000 | 1,302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 2,211 |
| Cost of funding earning assets | 0.7470% | 3,375 |
| Net interest margin | 4.0994% | 2,087 |
| Noninterest income to average assets | 6.9734% | 99 |
| Noninterest expense to average assets | 6.9700% | 146 |
| Loan and lease loss provision to assets | 0.1877% | 3,244 |
| Net operating income to assets | 3.2634% | 85 |
| Return on assets (ROA) | 3.2634% | 90 |
| Pretax return on assets | 3.4915% | 102 |
| Return on Equity (ROE) | 36.4769% | 38 |
| Retained earnings to average equity (ytd only) | 13.6721% | 328 |
| Net charge-offs to loans | 0.1599% | 3,833 |
| Credit loss provision to net charge-offs | 143.8320% | 1,991 |
| Earnings coverage of net charge-offs (x) | 28.1993% | 1,157 |
| Efficiency ratio | 65.4512% | 4,547 |
| Assets per employee ($millions) | 2.0195% | 6,995 |
| Cash dividends to net income (ytd only)* | 62.5183% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,652 |
| Loan loss allowance to noncurrent loans | 75.4527% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9773% | 2,680 |
| Noncurrent loans to loans | 1.4795% | 3,575 |
| Net loans and leases to total assets | 81.8314% | 353 |
| Net loans and leases to deposits | 101.1178% | 392 |
| Net loans and leases to core deposits | 108.4610% | 635 |
| Total domestic deposits to total assets | 80.9268% | 5,386 |
| Equity capital to assets | 9.1615% | 5,640 |
| Core capital (leverage) ratio | 8.9245% | 5,160 |
| Tier 1 risk-based capital ratio | 11.6171% | 6,163 |
| Total risk-based capital ratio | 12.8284% | 6,161 |
| Memoranda: | ||
| Average total assets | $389,355,000 | 1,702 |
| Average earning assets | $349,114,500 | 1,725 |
| Average equity | $34,834,000 | 2,006 |
| Average total loans | $317,647,500 | 1,337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 2,567 |
| Cost of funding earning assets | 0.7667% | 3,468 |
| Net interest margin | 4.0191% | 2,422 |
| Noninterest income to average assets | 5.8171% | 121 |
| Noninterest expense to average assets | 6.4001% | 183 |
| Loan and lease loss provision to assets | 0.1730% | 3,374 |
| Net operating income to assets | 2.6683% | 138 |
| Return on assets (ROA) | 2.6683% | 150 |
| Pretax return on assets | 2.8549% | 182 |
| Return on Equity (ROE) | 30.0799% | 78 |
| Retained earnings to average equity (ytd only) | 7.4186% | 1,909 |
| Net charge-offs to loans | 0.0969% | 4,191 |
| Credit loss provision to net charge-offs | 219.8675% | 1,295 |
| Earnings coverage of net charge-offs (x) | 38.4834% | 903 |
| Efficiency ratio | 67.8844% | 4,145 |
| Assets per employee ($millions) | 2.0623% | 7,036 |
| Cash dividends to net income (ytd only)* | 75.3368% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 5,588 |
| Loan loss allowance to noncurrent loans | 79.1921% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 2,748 |
| Noncurrent loans to loans | 1.4459% | 3,743 |
| Net loans and leases to total assets | 82.4977% | 307 |
| Net loans and leases to deposits | 101.7720% | 350 |
| Net loans and leases to core deposits | 108.8846% | 624 |
| Total domestic deposits to total assets | 81.0613% | 5,447 |
| Equity capital to assets | 8.8336% | 5,870 |
| Core capital (leverage) ratio | 9.2059% | 4,603 |
| Tier 1 risk-based capital ratio | 10.7263% | 6,604 |
| Total risk-based capital ratio | 11.9249% | 6,612 |
| Memoranda: | ||
| Average total assets | $383,835,000 | 1,720 |
| Average earning assets | $344,851,000 | 1,751 |
| Average equity | $34,049,330 | 2,033 |
| Average total loans | $311,558,000 | 1,361 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 2,804 |
| Cost of funding earning assets | 0.8033% | 3,449 |
| Net interest margin | 3.9577% | 2,677 |
| Noninterest income to average assets | 4.4012% | 151 |
| Noninterest expense to average assets | 5.5395% | 260 |
| Loan and lease loss provision to assets | 0.2281% | 2,665 |
| Net operating income to assets | 2.0422% | 388 |
| Return on assets (ROA) | 2.0422% | 448 |
| Pretax return on assets | 2.1869% | 552 |
| Return on Equity (ROE) | 22.9715% | 246 |
| Retained earnings to average equity (ytd only) | 3.6821% | 4,378 |
| Net charge-offs to loans | 0.2192% | 2,829 |
| Credit loss provision to net charge-offs | 130.1205% | 1,868 |
| Earnings coverage of net charge-offs (x) | 13.7771% | 1,514 |
| Efficiency ratio | 69.6402% | 3,876 |
| Assets per employee ($millions) | 1.9476% | 7,134 |
| Cash dividends to net income (ytd only)* | 83.9710% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 5,086 |
| Loan loss allowance to noncurrent loans | 63.5140% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.4763% | 2,387 |
| Noncurrent loans to loans | 2.0243% | 3,117 |
| Net loans and leases to total assets | 74.5921% | 975 |
| Net loans and leases to deposits | 87.0087% | 1,289 |
| Net loans and leases to core deposits | 93.1410% | 1,535 |
| Total domestic deposits to total assets | 85.7295% | 3,670 |
| Equity capital to assets | 9.0449% | 5,429 |
| Core capital (leverage) ratio | 9.1939% | 4,528 |
| Tier 1 risk-based capital ratio | 12.4024% | 5,685 |
| Total risk-based capital ratio | 13.6129% | 5,672 |
| Memoranda: | ||
| Average total assets | $378,806,500 | 1,748 |
| Average earning assets | $340,095,500 | 1,777 |
| Average equity | $33,676,500 | 2,055 |
| Average total loans | $302,979,000 | 1,400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 2,360 |
| Cost of funding earning assets | 0.9497% | 3,726 |
| Net interest margin | 4.1743% | 2,139 |
| Noninterest income to average assets | 4.4147% | 140 |
| Noninterest expense to average assets | 6.3718% | 178 |
| Loan and lease loss provision to assets | 0.4173% | 2,502 |
| Net operating income to assets | 1.2338% | 1,423 |
| Return on assets (ROA) | 1.2338% | 1,523 |
| Pretax return on assets | 1.3210% | 2,051 |
| Return on Equity (ROE) | 14.6148% | 809 |
| Retained earnings to average equity (ytd only) | 4.7370% | 2,827 |
| Net charge-offs to loans | 0.4147% | 3,348 |
| Credit loss provision to net charge-offs | 126.2190% | 2,468 |
| Earnings coverage of net charge-offs (x) | 5.2574% | 2,849 |
| Efficiency ratio | 78.5661% | 2,515 |
| Assets per employee ($millions) | 2.0739% | 7,135 |
| Cash dividends to net income (ytd only)* | 67.5878% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,785 |
| Loan loss allowance to noncurrent loans | 44.6814% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 2.6335% | 2,310 |
| Noncurrent loans to loans | 2.4797% | 2,653 |
| Net loans and leases to total assets | 83.3556% | 243 |
| Net loans and leases to deposits | 102.5581% | 349 |
| Net loans and leases to core deposits | 110.1894% | 616 |
| Total domestic deposits to total assets | 81.2764% | 5,369 |
| Equity capital to assets | 8.7394% | 5,860 |
| Core capital (leverage) ratio | 8.8070% | 5,088 |
| Tier 1 risk-based capital ratio | 11.2389% | 6,323 |
| Total risk-based capital ratio | 12.4473% | 6,328 |
| Memoranda: | ||
| Average total assets | $378,351,800 | 1,714 |
| Average earning assets | $334,956,800 | 1,771 |
| Average equity | $31,940,200 | 2,080 |
| Average total loans | $301,634,200 | 1,410 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 2,881 |
| Cost of funding earning assets | 0.9908% | 3,741 |
| Net interest margin | 4.0512% | 2,686 |
| Noninterest income to average assets | 3.7783% | 164 |
| Noninterest expense to average assets | 5.9284% | 207 |
| Loan and lease loss provision to assets | 0.2292% | 3,722 |
| Net operating income to assets | 1.1083% | 1,936 |
| Return on assets (ROA) | 1.1083% | 2,078 |
| Pretax return on assets | 1.1865% | 2,677 |
| Return on Equity (ROE) | 13.2473% | 1,219 |
| Retained earnings to average equity (ytd only) | -0.0888% | 5,981 |
| Net charge-offs to loans | 0.2044% | 4,169 |
| Credit loss provision to net charge-offs | 142.7313% | 2,234 |
| Earnings coverage of net charge-offs (x) | 8.8172% | 2,121 |
| Efficiency ratio | 80.7242% | 2,155 |
| Assets per employee ($millions) | 1.9751% | 7,246 |
| Cash dividends to net income (ytd only)* | 100.6701% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,752 |
| Loan loss allowance to noncurrent loans | 78.7263% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 3,107 |
| Noncurrent loans to loans | 1.4407% | 4,130 |
| Net loans and leases to total assets | 81.4015% | 400 |
| Net loans and leases to deposits | 95.3868% | 735 |
| Net loans and leases to core deposits | 103.0817% | 1,034 |
| Total domestic deposits to total assets | 85.3383% | 3,591 |
| Equity capital to assets | 8.6631% | 6,125 |
| Core capital (leverage) ratio | 8.7285% | 5,365 |
| Tier 1 risk-based capital ratio | 10.3201% | 6,852 |
| Total risk-based capital ratio | 11.4677% | 6,874 |
| Memoranda: | ||
| Average total assets | $377,023,250 | 1,728 |
| Average earning assets | $331,840,500 | 1,797 |
| Average equity | $31,542,750 | 2,104 |
| Average total loans | $296,195,250 | 1,451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 3,081 |
| Cost of funding earning assets | 1.0341% | 3,714 |
| Net interest margin | 3.9820% | 2,930 |
| Noninterest income to average assets | 3.2846% | 200 |
| Noninterest expense to average assets | 5.6388% | 248 |
| Loan and lease loss provision to assets | 0.2276% | 3,639 |
| Net operating income to assets | 0.8478% | 2,868 |
| Return on assets (ROA) | 0.8478% | 2,965 |
| Pretax return on assets | 0.9078% | 3,584 |
| Return on Equity (ROE) | 10.2511% | 2,032 |
| Retained earnings to average equity (ytd only) | -3.2875% | 6,404 |
| Net charge-offs to loans | 0.2085% | 3,898 |
| Credit loss provision to net charge-offs | 141.1765% | 2,159 |
| Earnings coverage of net charge-offs (x) | 7.0425% | 2,286 |
| Efficiency ratio | 83.2387% | 1,915 |
| Assets per employee ($millions) | 2.0205% | 7,290 |
| Cash dividends to net income (ytd only)* | 132.0696% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 5,527 |
| Loan loss allowance to noncurrent loans | 86.9822% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.9558% | 3,297 |
| Noncurrent loans to loans | 1.3835% | 4,335 |
| Net loans and leases to total assets | 74.6620% | 1,290 |
| Net loans and leases to deposits | 84.8412% | 1,971 |
| Net loans and leases to core deposits | 93.8244% | 1,916 |
| Total domestic deposits to total assets | 88.0021% | 2,138 |
| Equity capital to assets | 8.3709% | 6,339 |
| Core capital (leverage) ratio | 8.1062% | 6,158 |
| Tier 1 risk-based capital ratio | 11.0760% | 6,462 |
| Total risk-based capital ratio | 12.2801% | 6,489 |
| Memoranda: | ||
| Average total assets | $379,585,670 | 1,726 |
| Average earning assets | $332,643,000 | 1,794 |
| Average equity | $31,391,670 | 2,100 |
| Average total loans | $293,562,330 | 1,479 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 3,913 |
| Cost of funding earning assets | 1.0810% | 3,651 |
| Net interest margin | 3.7483% | 3,845 |
| Noninterest income to average assets | 2.6452% | 250 |
| Noninterest expense to average assets | 5.0004% | 364 |
| Loan and lease loss provision to assets | 0.2253% | 3,408 |
| Net operating income to assets | 0.6394% | 3,806 |
| Return on assets (ROA) | 0.6394% | 3,879 |
| Pretax return on assets | 0.6853% | 4,358 |
| Return on Equity (ROE) | 7.7775% | 3,016 |
| Retained earnings to average equity (ytd only) | -3.0069% | 6,297 |
| Net charge-offs to loans | 0.1614% | 3,517 |
| Credit loss provision to net charge-offs | 178.5124% | 1,641 |
| Earnings coverage of net charge-offs (x) | 7.2149% | 1,981 |
| Efficiency ratio | 84.5950% | 1,887 |
| Assets per employee ($millions) | 1.8810% | 7,401 |
| Cash dividends to net income (ytd only)* | 138.6623% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,638 |
| Loan loss allowance to noncurrent loans | 92.1849% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.8980% | 3,439 |
| Noncurrent loans to loans | 1.3003% | 4,528 |
| Net loans and leases to total assets | 71.9570% | 1,730 |
| Net loans and leases to deposits | 80.9600% | 2,536 |
| Net loans and leases to core deposits | 89.4025% | 2,426 |
| Total domestic deposits to total assets | 88.8797% | 1,854 |
| Equity capital to assets | 8.2140% | 6,267 |
| Core capital (leverage) ratio | 8.0020% | 6,258 |
| Tier 1 risk-based capital ratio | 11.2011% | 6,348 |
| Total risk-based capital ratio | 12.4059% | 6,359 |
| Memoranda: | ||
| Average total assets | $383,491,500 | 1,716 |
| Average earning assets | $334,124,000 | 1,792 |
| Average equity | $31,527,000 | 2,077 |
| Average total loans | $299,866,000 | 1,460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 2,058 |
| Cost of funding earning assets | 1.2475% | 4,234 |
| Net interest margin | 4.3096% | 1,789 |
| Noninterest income to average assets | 5.8593% | 114 |
| Noninterest expense to average assets | 6.8757% | 165 |
| Loan and lease loss provision to assets | 0.6967% | 2,351 |
| Net operating income to assets | 1.9558% | 304 |
| Return on assets (ROA) | 1.9558% | 321 |
| Pretax return on assets | 2.0927% | 394 |
| Return on Equity (ROE) | 22.8292% | 148 |
| Retained earnings to average equity (ytd only) | 10.9822% | 381 |
| Net charge-offs to loans | 0.9468% | 2,288 |
| Credit loss provision to net charge-offs | 90.3176% | 5,117 |
| Earnings coverage of net charge-offs (x) | 3.6162% | 3,275 |
| Efficiency ratio | 71.1393% | 3,962 |
| Assets per employee ($millions) | 1.9357% | 7,445 |
| Cash dividends to net income (ytd only)* | 51.8943% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,307 |
| Loan loss allowance to noncurrent loans | 91.1765% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 2.0913% | 3,235 |
| Noncurrent loans to loans | 1.1147% | 4,874 |
| Net loans and leases to total assets | 82.7144% | 401 |
| Net loans and leases to deposits | 93.6564% | 1,092 |
| Net loans and leases to core deposits | 103.6309% | 1,335 |
| Total domestic deposits to total assets | 88.3168% | 2,051 |
| Equity capital to assets | 8.2281% | 6,230 |
| Core capital (leverage) ratio | 7.9074% | 6,308 |
| Tier 1 risk-based capital ratio | 10.5463% | 6,670 |
| Total risk-based capital ratio | 11.6523% | 6,745 |
| Memoranda: | ||
| Average total assets | $338,743,200 | 1,928 |
| Average earning assets | $299,146,600 | 1,986 |
| Average equity | $29,019,800 | 2,236 |
| Average total loans | $275,990,000 | 1,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5241% | 2,340 |
| Cost of funding earning assets | 1.2928% | 4,265 |
| Net interest margin | 4.2312% | 2,104 |
| Noninterest income to average assets | 4.4018% | 157 |
| Noninterest expense to average assets | 6.0570% | 217 |
| Loan and lease loss provision to assets | 0.3455% | 3,849 |
| Net operating income to assets | 1.6063% | 738 |
| Return on assets (ROA) | 1.6063% | 806 |
| Pretax return on assets | 1.7195% | 1,077 |
| Return on Equity (ROE) | 18.5359% | 428 |
| Retained earnings to average equity (ytd only) | 2.8318% | 4,441 |
| Net charge-offs to loans | 0.4248% | 3,595 |
| Credit loss provision to net charge-offs | 100.5924% | 4,289 |
| Earnings coverage of net charge-offs (x) | 6.0118% | 2,617 |
| Efficiency ratio | 74.5753% | 3,218 |
| Assets per employee ($millions) | 2.0123% | 7,515 |
| Cash dividends to net income (ytd only)* | 84.7226% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 5,249 |
| Loan loss allowance to noncurrent loans | 50.3584% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.7550% | 2,628 |
| Noncurrent loans to loans | 2.4772% | 3,142 |
| Net loans and leases to total assets | 78.5241% | 950 |
| Net loans and leases to deposits | 90.4273% | 1,665 |
| Net loans and leases to core deposits | 100.7058% | 1,780 |
| Total domestic deposits to total assets | 86.8367% | 2,624 |
| Equity capital to assets | 8.3302% | 6,469 |
| Core capital (leverage) ratio | 8.2003% | 6,037 |
| Tier 1 risk-based capital ratio | 10.2155% | 6,951 |
| Total risk-based capital ratio | 11.4401% | 6,941 |
| Memoranda: | ||
| Average total assets | $327,613,750 | 2,013 |
| Average earning assets | $288,042,000 | 2,091 |
| Average equity | $28,391,000 | 2,321 |
| Average total loans | $264,920,750 | 1,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 2,319 |
| Cost of funding earning assets | 1.3365% | 4,286 |
| Net interest margin | 4.2172% | 2,100 |
| Noninterest income to average assets | 4.0236% | 166 |
| Noninterest expense to average assets | 5.8494% | 233 |
| Loan and lease loss provision to assets | 0.2710% | 4,227 |
| Net operating income to assets | 1.5284% | 855 |
| Return on assets (ROA) | 1.5284% | 916 |
| Pretax return on assets | 1.6369% | 1,195 |
| Return on Equity (ROE) | 17.3872% | 530 |
| Retained earnings to average equity (ytd only) | -3.6259% | 6,394 |
| Net charge-offs to loans | 0.4272% | 3,284 |
| Credit loss provision to net charge-offs | 77.9783% | 4,765 |
| Earnings coverage of net charge-offs (x) | 5.4892% | 2,654 |
| Efficiency ratio | 75.4044% | 3,181 |
| Assets per employee ($millions) | 2.0799% | 7,532 |
| Cash dividends to net income (ytd only)* | 120.8539% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 5,164 |
| Loan loss allowance to noncurrent loans | 54.6923% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4615% | 2,922 |
| Noncurrent loans to loans | 2.2908% | 3,383 |
| Net loans and leases to total assets | 81.2092% | 643 |
| Net loans and leases to deposits | 94.4369% | 1,216 |
| Net loans and leases to core deposits | 104.0384% | 1,637 |
| Total domestic deposits to total assets | 85.9931% | 3,096 |
| Equity capital to assets | 8.5596% | 6,086 |
| Core capital (leverage) ratio | 8.3487% | 5,671 |
| Tier 1 risk-based capital ratio | 10.4905% | 6,695 |
| Total risk-based capital ratio | 11.7408% | 6,677 |
| Memoranda: | ||
| Average total assets | $318,765,330 | 2,080 |
| Average earning assets | $282,226,000 | 2,142 |
| Average equity | $28,020,670 | 2,334 |
| Average total loans | $259,356,670 | 1,757 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4967% | 2,587 |
| Cost of funding earning assets | 1.4090% | 4,122 |
| Net interest margin | 4.0877% | 2,490 |
| Noninterest income to average assets | 2.8384% | 221 |
| Noninterest expense to average assets | 4.9758% | 369 |
| Loan and lease loss provision to assets | 0.2371% | 4,150 |
| Net operating income to assets | 1.1394% | 1,709 |
| Return on assets (ROA) | 1.1394% | 1,785 |
| Pretax return on assets | 1.2197% | 2,297 |
| Return on Equity (ROE) | 12.7867% | 1,301 |
| Retained earnings to average equity (ytd only) | -10.9274% | 7,008 |
| Net charge-offs to loans | 0.5608% | 2,399 |
| Credit loss provision to net charge-offs | 52.2472% | 4,448 |
| Earnings coverage of net charge-offs (x) | 3.2107% | 2,983 |
| Efficiency ratio | 77.3529% | 3,004 |
| Assets per employee ($millions) | 2.0951% | 7,616 |
| Cash dividends to net income (ytd only)* | 185.4586% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,778 |
| Loan loss allowance to noncurrent loans | 55.6241% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.6116% | 2,789 |
| Noncurrent loans to loans | 2.3902% | 3,286 |
| Net loans and leases to total assets | 78.3081% | 1,092 |
| Net loans and leases to deposits | 89.7218% | 1,939 |
| Net loans and leases to core deposits | 103.2152% | 1,804 |
| Total domestic deposits to total assets | 87.2788% | 2,477 |
| Equity capital to assets | 8.7557% | 5,638 |
| Core capital (leverage) ratio | 8.5771% | 5,243 |
| Tier 1 risk-based capital ratio | 10.8393% | 6,304 |
| Total risk-based capital ratio | 12.0899% | 6,286 |
| Memoranda: | ||
| Average total assets | $313,836,000 | 2,169 |
| Average earning assets | $275,948,000 | 2,236 |
| Average equity | $27,966,500 | 2,374 |
| Average total loans | $253,905,500 | 1,840 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9126% | 2,180 |
| Cost of funding earning assets | 1.7011% | 4,501 |
| Net interest margin | 4.2115% | 2,025 |
| Noninterest income to average assets | 5.5250% | 128 |
| Noninterest expense to average assets | 6.7011% | 231 |
| Loan and lease loss provision to assets | 0.6634% | 3,158 |
| Net operating income to assets | 1.8390% | 330 |
| Return on assets (ROA) | 1.3710% | 950 |
| Pretax return on assets | 1.4679% | 1,267 |
| Return on Equity (ROE) | 16.5462% | 501 |
| Retained earnings to average equity (ytd only) | 5.6961% | 1,475 |
| Net charge-offs to loans | 0.6568% | 3,217 |
| Credit loss provision to net charge-offs | 121.8841% | 4,348 |
| Earnings coverage of net charge-offs (x) | 4.8403% | 2,791 |
| Efficiency ratio | 71.5723% | 4,338 |
| Assets per employee ($millions) | 1.9829% | 7,739 |
| Cash dividends to net income (ytd only)* | 65.5749% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 4,404 |
| Loan loss allowance to noncurrent loans | 59.5384% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.5398% | 2,757 |
| Noncurrent loans to loans | 2.2949% | 3,295 |
| Net loans and leases to total assets | 81.3426% | 787 |
| Net loans and leases to deposits | 95.3248% | 1,412 |
| Net loans and leases to core deposits | 131.8328% | 1,183 |
| Total domestic deposits to total assets | 85.3321% | 3,394 |
| Equity capital to assets | 9.0692% | 5,032 |
| Core capital (leverage) ratio | 8.8298% | 4,721 |
| Tier 1 risk-based capital ratio | 11.3838% | 5,530 |
| Total risk-based capital ratio | 12.6362% | 5,482 |
| Memoranda: | ||
| Average total assets | $313,993,200 | 2,140 |
| Average earning assets | $284,104,200 | 2,166 |
| Average equity | $26,018,000 | 2,527 |
| Average total loans | $260,212,600 | 1,832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8437% | 2,689 |
| Cost of funding earning assets | 1.7620% | 4,577 |
| Net interest margin | 4.0817% | 2,473 |
| Noninterest income to average assets | 5.1495% | 134 |
| Noninterest expense to average assets | 6.4597% | 252 |
| Loan and lease loss provision to assets | 0.2364% | 5,079 |
| Net operating income to assets | 2.0137% | 283 |
| Return on assets (ROA) | 1.3911% | 1,116 |
| Pretax return on assets | 1.4894% | 1,443 |
| Return on Equity (ROE) | 17.1898% | 532 |
| Retained earnings to average equity (ytd only) | 2.6704% | 3,834 |
| Net charge-offs to loans | 0.3462% | 3,907 |
| Credit loss provision to net charge-offs | 82.3009% | 5,699 |
| Earnings coverage of net charge-offs (x) | 8.3377% | 2,265 |
| Efficiency ratio | 72.6577% | 4,114 |
| Assets per employee ($millions) | 2.0056% | 7,801 |
| Cash dividends to net income (ytd only)* | 84.4655% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,353 |
| Loan loss allowance to noncurrent loans | 36.3351% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 3.2540% | 2,083 |
| Noncurrent loans to loans | 3.1958% | 2,368 |
| Net loans and leases to total assets | 81.4752% | 900 |
| Net loans and leases to deposits | 100.2434% | 1,082 |
| Net loans and leases to core deposits | 131.3043% | 1,357 |
| Total domestic deposits to total assets | 81.2773% | 4,967 |
| Equity capital to assets | 8.6800% | 5,989 |
| Core capital (leverage) ratio | 8.6171% | 5,282 |
| Tier 1 risk-based capital ratio | 10.2623% | 6,722 |
| Total risk-based capital ratio | 11.4213% | 6,747 |
| Memoranda: | ||
| Average total assets | $314,661,750 | 2,148 |
| Average earning assets | $285,656,500 | 2,165 |
| Average equity | $25,464,000 | 2,589 |
| Average total loans | $261,080,000 | 1,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 3,034 |
| Cost of funding earning assets | 1.8144% | 4,689 |
| Net interest margin | 3.9875% | 2,756 |
| Noninterest income to average assets | 4.7350% | 139 |
| Noninterest expense to average assets | 6.2043% | 304 |
| Loan and lease loss provision to assets | 0.2365% | 4,699 |
| Net operating income to assets | 1.7946% | 474 |
| Return on assets (ROA) | 0.7705% | 3,074 |
| Pretax return on assets | 0.8258% | 3,583 |
| Return on Equity (ROE) | 9.7578% | 2,107 |
| Retained earnings to average equity (ytd only) | -7.2539% | 6,590 |
| Net charge-offs to loans | 0.3425% | 3,466 |
| Credit loss provision to net charge-offs | 83.0357% | 5,121 |
| Earnings coverage of net charge-offs (x) | 7.5960% | 2,422 |
| Efficiency ratio | 74.1453% | 4,013 |
| Assets per employee ($millions) | 2.0602% | 7,810 |
| Cash dividends to net income (ytd only)* | 174.3399% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,413 |
| Loan loss allowance to noncurrent loans | 37.1026% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 3.2240% | 1,946 |
| Noncurrent loans to loans | 3.0340% | 2,378 |
| Net loans and leases to total assets | 84.6573% | 541 |
| Net loans and leases to deposits | 100.7574% | 1,207 |
| Net loans and leases to core deposits | 128.9593% | 1,657 |
| Total domestic deposits to total assets | 84.0210% | 3,757 |
| Equity capital to assets | 7.9716% | 6,784 |
| Core capital (leverage) ratio | 7.4414% | 7,090 |
| Tier 1 risk-based capital ratio | 9.5235% | 7,369 |
| Total risk-based capital ratio | 10.6785% | 7,414 |
| Memoranda: | ||
| Average total assets | $314,590,670 | 2,173 |
| Average earning assets | $286,599,000 | 2,184 |
| Average equity | $24,841,670 | 2,654 |
| Average total loans | $261,587,000 | 1,877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 3,255 |
| Cost of funding earning assets | 1.8784% | 4,746 |
| Net interest margin | 3.9294% | 2,929 |
| Noninterest income to average assets | 3.3890% | 189 |
| Noninterest expense to average assets | 5.1040% | 450 |
| Loan and lease loss provision to assets | 0.2375% | 4,082 |
| Net operating income to assets | 1.4903% | 957 |
| Return on assets (ROA) | 1.5936% | 869 |
| Pretax return on assets | 1.7060% | 1,167 |
| Return on Equity (ROE) | 20.2791% | 404 |
| Retained earnings to average equity (ytd only) | 4.5010% | 3,427 |
| Net charge-offs to loans | 0.2417% | 3,193 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 9.2581% | 2,077 |
| Efficiency ratio | 73.5825% | 3,903 |
| Assets per employee ($millions) | 2.1766% | 7,748 |
| Cash dividends to net income (ytd only)* | 77.8045% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 4,874 |
| Loan loss allowance to noncurrent loans | 50.8842% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.8100% | 2,024 |
| Noncurrent loans to loans | 2.3373% | 2,814 |
| Net loans and leases to total assets | 81.6276% | 1,075 |
| Net loans and leases to deposits | 99.1486% | 1,516 |
| Net loans and leases to core deposits | 117.3244% | 2,657 |
| Total domestic deposits to total assets | 82.3285% | 4,429 |
| Equity capital to assets | 8.1516% | 6,596 |
| Core capital (leverage) ratio | 8.2074% | 6,085 |
| Tier 1 risk-based capital ratio | 10.3602% | 6,533 |
| Total risk-based capital ratio | 11.6027% | 6,454 |
| Memoranda: | ||
| Average total assets | $313,247,000 | 2,197 |
| Average earning assets | $282,789,500 | 2,227 |
| Average equity | $24,616,500 | 2,694 |
| Average total loans | $256,552,000 | 1,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8135% | 1,635 |
| Cost of funding earning assets | 2.5052% | 4,179 |
| Net interest margin | 4.3083% | 1,947 |
| Noninterest income to average assets | 3.3619% | 172 |
| Noninterest expense to average assets | 5.5781% | 485 |
| Loan and lease loss provision to assets | 0.3727% | 3,447 |
| Net operating income to assets | 1.1757% | 1,856 |
| Return on assets (ROA) | 1.2271% | 1,635 |
| Pretax return on assets | 1.3140% | 2,266 |
| Return on Equity (ROE) | 15.2517% | 890 |
| Retained earnings to average equity (ytd only) | 1.0110% | 4,619 |
| Net charge-offs to loans | 0.2834% | 3,512 |
| Credit loss provision to net charge-offs | 164.4172% | 3,132 |
| Earnings coverage of net charge-offs (x) | 7.1979% | 3,163 |
| Efficiency ratio | 77.1734% | 3,054 |
| Assets per employee ($millions) | 2.2379% | 7,651 |
| Cash dividends to net income (ytd only)* | 93.3711% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 3,998 |
| Loan loss allowance to noncurrent loans | 114.5887% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 2.2358% | 2,179 |
| Noncurrent loans to loans | 1.1073% | 4,340 |
| Net loans and leases to total assets | 80.1205% | 1,640 |
| Net loans and leases to deposits | 105.1072% | 1,215 |
| Net loans and leases to core deposits | 128.1796% | 1,988 |
| Total domestic deposits to total assets | 76.2274% | 6,183 |
| Equity capital to assets | 7.5483% | 7,344 |
| Core capital (leverage) ratio | 7.6590% | 6,987 |
| Tier 1 risk-based capital ratio | 9.2593% | 7,560 |
| Total risk-based capital ratio | 10.5091% | 7,500 |
| Memoranda: | ||
| Average total assets | $287,662,800 | 2,270 |
| Average earning assets | $256,901,400 | 2,311 |
| Average equity | $23,145,000 | 2,833 |
| Average total loans | $230,063,400 | 2,047 |