Home > Wayne Bank > Performance and Condition Ratios
Wayne Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 2,335 |
| Cost of funding earning assets | 1.7076% | 1,436 |
| Net interest margin | 3.1662% | 2,951 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.0192% | 3,589 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.8201% | 2,803 |
| Return on assets (ROA) | 0.8122% | 2,814 |
| Pretax return on assets | 0.9989% | 2,694 |
| Return on Equity (ROE) | 10.1300% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.5942% | 2,754 |
| Net charge-offs to loans | 0.3895% | 267 |
| Credit loss provision to net charge-offs | 91.8230% | 1,938 |
| Earnings coverage of net charge-offs (x) | 4.4577% | 2,586 |
| Efficiency ratio | 61.2962% | 2,940 |
| Assets per employee ($millions) | 8.3734% | 1,239 |
| Cash dividends to net income (ytd only)* | 54.6634% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,393 |
| Loan loss allowance to noncurrent loans | 248.8912% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 1,559 |
| Noncurrent loans to loans | 0.4752% | 1,597 |
| Net loans and leases to total assets | 71.9600% | 1,587 |
| Net loans and leases to deposits | 88.1956% | 1,413 |
| Net loans and leases to core deposits | 103.7575% | 1,230 |
| Total domestic deposits to total assets | 81.5900% | 3,204 |
| Equity capital to assets | 8.1967% | 3,281 |
| Core capital (leverage) ratio | 8.9755% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0183% | 2,238 |
| Memoranda: | ||
| Average total assets | $2,135,936,800 | 539 |
| Average earning assets | $1,960,221,800 | 535 |
| Average equity | $171,193,800 | 612 |
| Average total loans | $1,560,515,600 | 500 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 2,341 |
| Cost of funding earning assets | 1.5563% | 1,469 |
| Net interest margin | 3.2095% | 2,895 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.0350% | 3,506 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.0703% | 2,147 |
| Return on assets (ROA) | 1.0597% | 2,174 |
| Pretax return on assets | 1.3097% | 2,007 |
| Return on Equity (ROE) | 13.3000% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.7330% | 2,065 |
| Net charge-offs to loans | 0.2492% | 356 |
| Credit loss provision to net charge-offs | -16.6379% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.0625% | 2,251 |
| Efficiency ratio | 61.1302% | 2,831 |
| Assets per employee ($millions) | 8.0770% | 1,307 |
| Cash dividends to net income (ytd only)* | 41.8547% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,380 |
| Loan loss allowance to noncurrent loans | 152.6765% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 1,168 |
| Noncurrent loans to loans | 0.6539% | 1,256 |
| Net loans and leases to total assets | 73.1400% | 1,457 |
| Net loans and leases to deposits | 91.2715% | 1,118 |
| Net loans and leases to core deposits | 104.7694% | 1,074 |
| Total domestic deposits to total assets | 80.1400% | 3,508 |
| Equity capital to assets | 7.5518% | 3,326 |
| Core capital (leverage) ratio | 9.1738% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7819% | 2,352 |
| Memoranda: | ||
| Average total assets | $2,119,370,250 | 545 |
| Average earning assets | $1,943,128,000 | 538 |
| Average equity | $168,865,250 | 614 |
| Average total loans | $1,549,714,750 | 506 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 2,281 |
| Cost of funding earning assets | 1.3706% | 1,529 |
| Net interest margin | 3.2920% | 2,767 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0207% | 3,544 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.2066% | 1,819 |
| Return on assets (ROA) | 1.1904% | 1,847 |
| Pretax return on assets | 1.4767% | 1,641 |
| Return on Equity (ROE) | 14.6800% | 1,531 |
| Retained earnings to average equity (ytd only) | 9.1426% | 1,650 |
| Net charge-offs to loans | 0.0717% | 850 |
| Credit loss provision to net charge-offs | -261.6788% | 4,575 |
| Earnings coverage of net charge-offs (x) | 26.0146% | 1,614 |
| Efficiency ratio | 59.6695% | 2,995 |
| Assets per employee ($millions) | 8.0255% | 1,305 |
| Cash dividends to net income (ytd only)* | 37.7011% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 2,925 |
| Loan loss allowance to noncurrent loans | 542.4449% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,377 |
| Noncurrent loans to loans | 0.2043% | 2,443 |
| Net loans and leases to total assets | 72.8200% | 1,432 |
| Net loans and leases to deposits | 90.0367% | 1,183 |
| Net loans and leases to core deposits | 103.2512% | 1,082 |
| Total domestic deposits to total assets | 80.8800% | 3,445 |
| Equity capital to assets | 8.0882% | 3,156 |
| Core capital (leverage) ratio | 9.1977% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0253% | 2,284 |
| Memoranda: | ||
| Average total assets | $2,098,900,000 | 537 |
| Average earning assets | $1,927,972,333 | 531 |
| Average equity | $170,257,667 | 605 |
| Average total loans | $1,529,227,333 | 498 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 2,189 |
| Cost of funding earning assets | 1.1773% | 1,511 |
| Net interest margin | 3.3732% | 2,702 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.0114% | 3,605 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1287% | 2,132 |
| Return on assets (ROA) | 1.1290% | 2,099 |
| Pretax return on assets | 1.3980% | 1,885 |
| Return on Equity (ROE) | 13.9000% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.2689% | 2,147 |
| Net charge-offs to loans | 0.0851% | 656 |
| Credit loss provision to net charge-offs | 93.7500% | 1,162 |
| Earnings coverage of net charge-offs (x) | 23.6156% | 1,402 |
| Efficiency ratio | 57.8912% | 3,204 |
| Assets per employee ($millions) | 7.7695% | 1,481 |
| Cash dividends to net income (ytd only)* | 40.4981% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,209 |
| Loan loss allowance to noncurrent loans | 716.4702% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,496 |
| Noncurrent loans to loans | 0.1767% | 2,594 |
| Net loans and leases to total assets | 72.0200% | 1,427 |
| Net loans and leases to deposits | 86.1428% | 1,340 |
| Net loans and leases to core deposits | 99.6125% | 1,105 |
| Total domestic deposits to total assets | 83.6000% | 3,173 |
| Equity capital to assets | 8.2265% | 3,096 |
| Core capital (leverage) ratio | 9.1793% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1756% | 2,320 |
| Memoranda: | ||
| Average total assets | $2,076,943,500 | 554 |
| Average earning assets | $1,908,460,500 | 546 |
| Average equity | $168,729,000 | 617 |
| Average total loans | $1,504,930,000 | 518 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 1,767 |
| Cost of funding earning assets | 0.3821% | 2,241 |
| Net interest margin | 3.5951% | 1,659 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.9971% | 3,582 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4468% | 1,015 |
| Return on assets (ROA) | 1.4468% | 973 |
| Pretax return on assets | 1.7650% | 791 |
| Return on Equity (ROE) | 16.8800% | 879 |
| Retained earnings to average equity (ytd only) | 9.3750% | 1,367 |
| Net charge-offs to loans | 0.0244% | 1,573 |
| Credit loss provision to net charge-offs | 262.3907% | 976 |
| Earnings coverage of net charge-offs (x) | 108.4490% | 935 |
| Efficiency ratio | 52.3476% | 3,951 |
| Assets per employee ($millions) | 7.4486% | 1,654 |
| Cash dividends to net income (ytd only)* | 44.4500% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,630 |
| Loan loss allowance to noncurrent loans | 662.9875% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,543 |
| Noncurrent loans to loans | 0.1739% | 2,612 |
| Net loans and leases to total assets | 71.1300% | 1,513 |
| Net loans and leases to deposits | 84.1436% | 1,461 |
| Net loans and leases to core deposits | 95.9846% | 1,209 |
| Total domestic deposits to total assets | 84.5400% | 3,094 |
| Equity capital to assets | 8.0185% | 3,049 |
| Core capital (leverage) ratio | 9.2223% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3933% | 2,200 |
| Memoranda: | ||
| Average total assets | $2,056,684,600 | 534 |
| Average earning assets | $1,902,497,200 | 526 |
| Average equity | $176,320,200 | 588 |
| Average total loans | $1,407,591,800 | 508 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 1,579 |
| Cost of funding earning assets | 0.2869% | 2,311 |
| Net interest margin | 3.5746% | 1,456 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.9896% | 3,508 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4592% | 935 |
| Return on assets (ROA) | 1.4592% | 915 |
| Pretax return on assets | 1.7999% | 732 |
| Return on Equity (ROE) | 16.7500% | 845 |
| Retained earnings to average equity (ytd only) | 8.6739% | 1,765 |
| Net charge-offs to loans | 0.0106% | 1,718 |
| Credit loss provision to net charge-offs | 540.5405% | 586 |
| Earnings coverage of net charge-offs (x) | 255.7838% | 529 |
| Efficiency ratio | 51.8380% | 4,025 |
| Assets per employee ($millions) | 7.7088% | 1,476 |
| Cash dividends to net income (ytd only)* | 48.2180% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,626 |
| Loan loss allowance to noncurrent loans | 687.9724% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,631 |
| Noncurrent loans to loans | 0.1718% | 2,735 |
| Net loans and leases to total assets | 70.0800% | 1,469 |
| Net loans and leases to deposits | 79.8716% | 1,581 |
| Net loans and leases to core deposits | 89.5456% | 1,324 |
| Total domestic deposits to total assets | 87.7500% | 2,500 |
| Equity capital to assets | 7.7291% | 3,071 |
| Core capital (leverage) ratio | 8.9961% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3945% | 2,315 |
| Memoranda: | ||
| Average total assets | $2,058,764,500 | 532 |
| Average earning assets | $1,908,363,500 | 526 |
| Average equity | $179,338,250 | 584 |
| Average total loans | $1,390,968,500 | 505 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 1,579 |
| Cost of funding earning assets | 0.2541% | 2,209 |
| Net interest margin | 3.4292% | 1,518 |
| Noninterest income to average assets | 0.5564% | 1,917 |
| Noninterest expense to average assets | 1.9747% | 3,500 |
| Loan and lease loss provision to assets | 0.0579% | 1,547 |
| Net operating income to assets | 1.3871% | 932 |
| Return on assets (ROA) | 1.3871% | 909 |
| Pretax return on assets | 1.7089% | 737 |
| Return on Equity (ROE) | 15.3612% | 822 |
| Retained earnings to average equity (ytd only) | 6.1845% | 2,277 |
| Net charge-offs to loans | 0.0036% | 1,909 |
| Credit loss provision to net charge-offs | 2,400.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 732.0800% | 192 |
| Efficiency ratio | 52.6395% | 4,079 |
| Assets per employee ($millions) | 7.5450% | 1,582 |
| Cash dividends to net income (ytd only)* | 59.7397% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,629 |
| Loan loss allowance to noncurrent loans | 334.4536% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 1,992 |
| Noncurrent loans to loans | 0.3623% | 2,058 |
| Net loans and leases to total assets | 67.1135% | 1,566 |
| Net loans and leases to deposits | 76.9113% | 1,619 |
| Net loans and leases to core deposits | 87.0861% | 1,264 |
| Total domestic deposits to total assets | 87.2610% | 2,847 |
| Equity capital to assets | 8.2470% | 2,946 |
| Core capital (leverage) ratio | 8.7660% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2528% | 2,394 |
| Memoranda: | ||
| Average total assets | $2,071,780,000 | 527 |
| Average earning assets | $1,924,291,333 | 525 |
| Average equity | $187,082,000 | 571 |
| Average total loans | $1,377,145,000 | 500 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 1,529 |
| Cost of funding earning assets | 0.2577% | 2,070 |
| Net interest margin | 3.3329% | 1,490 |
| Noninterest income to average assets | 0.6430% | 1,518 |
| Noninterest expense to average assets | 1.9338% | 3,595 |
| Loan and lease loss provision to assets | 0.0579% | 1,357 |
| Net operating income to assets | 1.4189% | 761 |
| Return on assets (ROA) | 1.4189% | 757 |
| Pretax return on assets | 1.7566% | 612 |
| Return on Equity (ROE) | 15.0622% | 640 |
| Retained earnings to average equity (ytd only) | 10.3595% | 939 |
| Net charge-offs to loans | 0.0241% | 1,078 |
| Credit loss provision to net charge-offs | 365.8537% | 611 |
| Earnings coverage of net charge-offs (x) | 114.7317% | 625 |
| Efficiency ratio | 51.4536% | 4,228 |
| Assets per employee ($millions) | 7.7269% | 1,534 |
| Cash dividends to net income (ytd only)* | 31.2220% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,783 |
| Loan loss allowance to noncurrent loans | 298.5128% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 1,932 |
| Noncurrent loans to loans | 0.4068% | 2,038 |
| Net loans and leases to total assets | 65.1979% | 1,496 |
| Net loans and leases to deposits | 75.9937% | 1,447 |
| Net loans and leases to core deposits | 86.6349% | 1,096 |
| Total domestic deposits to total assets | 85.7938% | 3,321 |
| Equity capital to assets | 8.9585% | 2,745 |
| Core capital (leverage) ratio | 8.7444% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5900% | 2,384 |
| Memoranda: | ||
| Average total assets | $2,073,999,000 | 530 |
| Average earning assets | $1,932,398,000 | 529 |
| Average equity | $195,376,500 | 562 |
| Average total loans | $1,363,476,000 | 503 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 1,823 |
| Cost of funding earning assets | 0.3093% | 2,307 |
| Net interest margin | 3.5092% | 1,704 |
| Noninterest income to average assets | 0.4055% | 3,019 |
| Noninterest expense to average assets | 1.9205% | 3,876 |
| Loan and lease loss provision to assets | 0.2097% | 499 |
| Net operating income to assets | 1.2630% | 1,711 |
| Return on assets (ROA) | 1.2667% | 1,753 |
| Pretax return on assets | 1.5409% | 1,599 |
| Return on Equity (ROE) | 12.7032% | 1,566 |
| Retained earnings to average equity (ytd only) | 7.3473% | 1,783 |
| Net charge-offs to loans | 0.0654% | 1,140 |
| Credit loss provision to net charge-offs | 462.5551% | 835 |
| Earnings coverage of net charge-offs (x) | 38.5132% | 1,462 |
| Efficiency ratio | 52.2122% | 4,097 |
| Assets per employee ($millions) | 7.8093% | 1,435 |
| Cash dividends to net income (ytd only)* | 42.1623% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,819 |
| Loan loss allowance to noncurrent loans | 245.6596% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 1,606 |
| Noncurrent loans to loans | 0.4939% | 1,894 |
| Net loans and leases to total assets | 64.6878% | 1,623 |
| Net loans and leases to deposits | 76.1349% | 1,555 |
| Net loans and leases to core deposits | 89.1822% | 1,004 |
| Total domestic deposits to total assets | 84.9647% | 3,280 |
| Equity capital to assets | 9.8841% | 2,768 |
| Core capital (leverage) ratio | 8.4747% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6018% | 2,409 |
| Memoranda: | ||
| Average total assets | $2,002,847,400 | 528 |
| Average earning assets | $1,861,213,200 | 531 |
| Average equity | $199,720,600 | 548 |
| Average total loans | $1,389,216,200 | 493 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 1,918 |
| Cost of funding earning assets | 0.3183% | 2,417 |
| Net interest margin | 3.5301% | 1,786 |
| Noninterest income to average assets | 0.4228% | 2,964 |
| Noninterest expense to average assets | 1.9238% | 3,884 |
| Loan and lease loss provision to assets | 0.2517% | 363 |
| Net operating income to assets | 1.2436% | 2,012 |
| Return on assets (ROA) | 1.2467% | 2,065 |
| Pretax return on assets | 1.5280% | 1,910 |
| Return on Equity (ROE) | 12.4737% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.4995% | 2,221 |
| Net charge-offs to loans | 0.0760% | 903 |
| Credit loss provision to net charge-offs | 470.5144% | 788 |
| Earnings coverage of net charge-offs (x) | 33.1957% | 1,472 |
| Efficiency ratio | 51.8226% | 4,038 |
| Assets per employee ($millions) | 7.6947% | 1,451 |
| Cash dividends to net income (ytd only)* | 39.8772% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 3,103 |
| Loan loss allowance to noncurrent loans | 184.6039% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 1,480 |
| Noncurrent loans to loans | 0.6362% | 1,718 |
| Net loans and leases to total assets | 65.9584% | 1,556 |
| Net loans and leases to deposits | 78.6413% | 1,420 |
| Net loans and leases to core deposits | 89.0753% | 1,092 |
| Total domestic deposits to total assets | 83.8725% | 3,492 |
| Equity capital to assets | 9.8652% | 3,029 |
| Core capital (leverage) ratio | 8.5367% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3182% | 2,612 |
| Memoranda: | ||
| Average total assets | $1,986,196,000 | 535 |
| Average earning assets | $1,843,748,250 | 539 |
| Average equity | $198,514,000 | 551 |
| Average total loans | $1,397,739,000 | 498 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 2,012 |
| Cost of funding earning assets | 0.3281% | 2,515 |
| Net interest margin | 3.4938% | 1,872 |
| Noninterest income to average assets | 0.4254% | 2,976 |
| Noninterest expense to average assets | 1.9315% | 3,887 |
| Loan and lease loss provision to assets | 0.3056% | 278 |
| Net operating income to assets | 1.1722% | 2,290 |
| Return on assets (ROA) | 1.1740% | 2,349 |
| Pretax return on assets | 1.4325% | 2,234 |
| Return on Equity (ROE) | 11.6931% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.3557% | 2,304 |
| Net charge-offs to loans | 0.1152% | 671 |
| Credit loss provision to net charge-offs | 370.3704% | 800 |
| Earnings coverage of net charge-offs (x) | 21.0395% | 1,514 |
| Efficiency ratio | 52.4775% | 3,992 |
| Assets per employee ($millions) | 7.5897% | 1,425 |
| Cash dividends to net income (ytd only)* | 37.0933% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,386 |
| Loan loss allowance to noncurrent loans | 130.4311% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 1,333 |
| Noncurrent loans to loans | 0.8480% | 1,452 |
| Net loans and leases to total assets | 67.6823% | 1,489 |
| Net loans and leases to deposits | 81.1863% | 1,305 |
| Net loans and leases to core deposits | 93.3309% | 937 |
| Total domestic deposits to total assets | 83.3666% | 3,617 |
| Equity capital to assets | 9.9106% | 2,934 |
| Core capital (leverage) ratio | 8.4195% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1826% | 2,651 |
| Memoranda: | ||
| Average total assets | $1,963,431,333 | 536 |
| Average earning assets | $1,821,988,667 | 540 |
| Average equity | $197,125,333 | 550 |
| Average total loans | $1,406,581,333 | 494 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 1,945 |
| Cost of funding earning assets | 0.3398% | 2,624 |
| Net interest margin | 3.5157% | 1,784 |
| Noninterest income to average assets | 0.4075% | 3,049 |
| Noninterest expense to average assets | 1.9431% | 3,875 |
| Loan and lease loss provision to assets | 0.3106% | 292 |
| Net operating income to assets | 1.1673% | 2,272 |
| Return on assets (ROA) | 1.1709% | 2,332 |
| Pretax return on assets | 1.4247% | 2,213 |
| Return on Equity (ROE) | 11.5839% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.2064% | 2,506 |
| Net charge-offs to loans | 0.0398% | 1,071 |
| Credit loss provision to net charge-offs | 1,063.8298% | 399 |
| Earnings coverage of net charge-offs (x) | 59.2908% | 825 |
| Efficiency ratio | 52.6909% | 3,939 |
| Assets per employee ($millions) | 7.6748% | 1,359 |
| Cash dividends to net income (ytd only)* | 37.7896% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,767 |
| Loan loss allowance to noncurrent loans | 123.3025% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 1,513 |
| Noncurrent loans to loans | 0.8276% | 1,617 |
| Net loans and leases to total assets | 69.9886% | 1,290 |
| Net loans and leases to deposits | 83.4809% | 1,197 |
| Net loans and leases to core deposits | 97.6737% | 816 |
| Total domestic deposits to total assets | 83.8378% | 3,485 |
| Equity capital to assets | 9.7229% | 2,976 |
| Core capital (leverage) ratio | 8.7091% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9928% | 2,669 |
| Memoranda: | ||
| Average total assets | $1,931,921,000 | 541 |
| Average earning assets | $1,795,044,500 | 544 |
| Average equity | $195,271,000 | 542 |
| Average total loans | $1,416,427,500 | 494 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,084 |
| Cost of funding earning assets | 0.5757% | 2,477 |
| Net interest margin | 3.6421% | 2,004 |
| Noninterest income to average assets | 0.5045% | 2,613 |
| Noninterest expense to average assets | 2.1795% | 3,722 |
| Loan and lease loss provision to assets | 0.3625% | 925 |
| Net operating income to assets | 1.1005% | 1,923 |
| Return on assets (ROA) | 1.1045% | 2,029 |
| Pretax return on assets | 1.3245% | 1,905 |
| Return on Equity (ROE) | 10.4328% | 1,835 |
| Retained earnings to average equity (ytd only) | 5.5202% | 2,031 |
| Net charge-offs to loans | 0.0714% | 1,772 |
| Credit loss provision to net charge-offs | 673.6712% | 1,019 |
| Earnings coverage of net charge-offs (x) | 31.2633% | 1,571 |
| Efficiency ratio | 56.2418% | 3,958 |
| Assets per employee ($millions) | 7.0998% | 1,513 |
| Cash dividends to net income (ytd only)* | 47.0882% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,093 |
| Loan loss allowance to noncurrent loans | 109.0653% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 1,483 |
| Noncurrent loans to loans | 0.8545% | 1,654 |
| Net loans and leases to total assets | 75.4362% | 852 |
| Net loans and leases to deposits | 90.9929% | 852 |
| Net loans and leases to core deposits | 105.0347% | 688 |
| Total domestic deposits to total assets | 82.9035% | 3,439 |
| Equity capital to assets | 10.5250% | 2,652 |
| Core capital (leverage) ratio | 8.7199% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6244% | 2,760 |
| Memoranda: | ||
| Average total assets | $1,503,439,800 | 614 |
| Average earning assets | $1,385,879,800 | 608 |
| Average equity | $159,162,200 | 640 |
| Average total loans | $1,133,791,600 | 567 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 2,407 |
| Cost of funding earning assets | 0.6308% | 2,426 |
| Net interest margin | 3.5670% | 2,371 |
| Noninterest income to average assets | 0.4779% | 2,704 |
| Noninterest expense to average assets | 2.1757% | 3,741 |
| Loan and lease loss provision to assets | 0.3625% | 1,028 |
| Net operating income to assets | 1.0295% | 2,221 |
| Return on assets (ROA) | 1.0351% | 2,332 |
| Pretax return on assets | 1.2289% | 2,291 |
| Return on Equity (ROE) | 9.7587% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.7164% | 2,687 |
| Net charge-offs to loans | 0.0858% | 1,452 |
| Credit loss provision to net charge-offs | 562.0438% | 1,204 |
| Earnings coverage of net charge-offs (x) | 24.5708% | 1,756 |
| Efficiency ratio | 57.6594% | 3,716 |
| Assets per employee ($millions) | 7.1990% | 1,378 |
| Cash dividends to net income (ytd only)* | 51.6692% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,299 |
| Loan loss allowance to noncurrent loans | 92.4307% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 1,581 |
| Noncurrent loans to loans | 0.8926% | 1,676 |
| Net loans and leases to total assets | 76.1443% | 1,071 |
| Net loans and leases to deposits | 92.5527% | 1,028 |
| Net loans and leases to core deposits | 105.8613% | 852 |
| Total domestic deposits to total assets | 82.2713% | 3,352 |
| Equity capital to assets | 10.3670% | 2,905 |
| Core capital (leverage) ratio | 8.8499% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4279% | 2,811 |
| Memoranda: | ||
| Average total assets | $1,416,038,000 | 635 |
| Average earning assets | $1,303,086,500 | 629 |
| Average equity | $150,194,250 | 662 |
| Average total loans | $1,064,484,750 | 592 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,186 |
| Cost of funding earning assets | 0.7152% | 2,305 |
| Net interest margin | 3.3376% | 3,282 |
| Noninterest income to average assets | 0.4762% | 2,673 |
| Noninterest expense to average assets | 2.2017% | 3,782 |
| Loan and lease loss provision to assets | 0.3140% | 1,368 |
| Net operating income to assets | 0.8859% | 2,748 |
| Return on assets (ROA) | 0.8911% | 2,843 |
| Pretax return on assets | 1.0332% | 2,917 |
| Return on Equity (ROE) | 8.3106% | 2,629 |
| Retained earnings to average equity (ytd only) | 3.6757% | 3,077 |
| Net charge-offs to loans | 0.0416% | 1,910 |
| Credit loss provision to net charge-offs | 1,015.2284% | 785 |
| Earnings coverage of net charge-offs (x) | 43.3604% | 1,189 |
| Efficiency ratio | 61.9527% | 3,136 |
| Assets per employee ($millions) | 6.1489% | 2,064 |
| Cash dividends to net income (ytd only)* | 55.7709% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,354 |
| Loan loss allowance to noncurrent loans | 346.9717% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,147 |
| Noncurrent loans to loans | 0.3005% | 3,313 |
| Net loans and leases to total assets | 72.6800% | 1,594 |
| Net loans and leases to deposits | 90.0345% | 1,355 |
| Net loans and leases to core deposits | 103.4908% | 1,036 |
| Total domestic deposits to total assets | 80.7246% | 3,678 |
| Equity capital to assets | 9.9612% | 3,245 |
| Core capital (leverage) ratio | 8.9491% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5027% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,273,735,333 | 681 |
| Average earning assets | $1,170,355,667 | 685 |
| Average equity | $136,573,000 | 719 |
| Average total loans | $947,655,333 | 657 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 3,260 |
| Cost of funding earning assets | 0.7776% | 2,509 |
| Net interest margin | 3.4090% | 3,270 |
| Noninterest income to average assets | 0.5250% | 2,412 |
| Noninterest expense to average assets | 2.2588% | 3,862 |
| Loan and lease loss provision to assets | 0.2263% | 1,369 |
| Net operating income to assets | 1.0102% | 2,145 |
| Return on assets (ROA) | 1.0209% | 2,210 |
| Pretax return on assets | 1.1761% | 2,284 |
| Return on Equity (ROE) | 9.1676% | 2,040 |
| Retained earnings to average equity (ytd only) | 4.5751% | 2,469 |
| Net charge-offs to loans | 0.0522% | 1,490 |
| Credit loss provision to net charge-offs | 578.5124% | 813 |
| Earnings coverage of net charge-offs (x) | 35.5372% | 1,082 |
| Efficiency ratio | 61.7082% | 3,529 |
| Assets per employee ($millions) | 5.7542% | 1,891 |
| Cash dividends to net income (ytd only)* | 50.0950% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,816 |
| Loan loss allowance to noncurrent loans | 331.3161% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,218 |
| Noncurrent loans to loans | 0.2953% | 3,445 |
| Net loans and leases to total assets | 74.0092% | 1,600 |
| Net loans and leases to deposits | 92.6551% | 1,214 |
| Net loans and leases to core deposits | 109.2096% | 890 |
| Total domestic deposits to total assets | 79.8760% | 3,884 |
| Equity capital to assets | 11.2759% | 2,612 |
| Core capital (leverage) ratio | 10.1444% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9755% | 2,292 |
| Memoranda: | ||
| Average total assets | $1,237,296,000 | 671 |
| Average earning assets | $1,133,812,000 | 672 |
| Average equity | $137,790,000 | 701 |
| Average total loans | $926,967,500 | 646 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,642 |
| Cost of funding earning assets | 0.7820% | 2,763 |
| Net interest margin | 3.4791% | 3,510 |
| Noninterest income to average assets | 0.5472% | 2,501 |
| Noninterest expense to average assets | 2.2206% | 4,119 |
| Loan and lease loss provision to assets | 0.1031% | 2,007 |
| Net operating income to assets | 1.1884% | 2,100 |
| Return on assets (ROA) | 1.2060% | 2,125 |
| Pretax return on assets | 1.4288% | 2,052 |
| Return on Equity (ROE) | 11.3444% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.6010% | 1,563 |
| Net charge-offs to loans | 0.1345% | 1,436 |
| Credit loss provision to net charge-offs | 104.7779% | 2,364 |
| Earnings coverage of net charge-offs (x) | 15.3546% | 2,236 |
| Efficiency ratio | 59.2851% | 3,798 |
| Assets per employee ($millions) | 5.6760% | 1,899 |
| Cash dividends to net income (ytd only)* | 41.8126% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 3,877 |
| Loan loss allowance to noncurrent loans | 1,070.3145% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,696 |
| Noncurrent loans to loans | 0.0859% | 4,177 |
| Net loans and leases to total assets | 74.4080% | 1,679 |
| Net loans and leases to deposits | 95.4292% | 1,000 |
| Net loans and leases to core deposits | 110.8851% | 806 |
| Total domestic deposits to total assets | 77.9720% | 4,362 |
| Equity capital to assets | 10.9956% | 3,004 |
| Core capital (leverage) ratio | 10.1552% | 3,350 |
| Tier 1 risk-based capital ratio | 12.8521% | 3,872 |
| Total risk-based capital ratio | 13.7506% | 3,952 |
| Memoranda: | ||
| Average total assets | $1,212,304,800 | 653 |
| Average earning assets | $1,109,633,200 | 656 |
| Average equity | $128,874,400 | 713 |
| Average total loans | $886,926,800 | 650 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 3,791 |
| Cost of funding earning assets | 0.7872% | 2,776 |
| Net interest margin | 3.4707% | 3,661 |
| Noninterest income to average assets | 0.5440% | 2,496 |
| Noninterest expense to average assets | 2.2074% | 4,166 |
| Loan and lease loss provision to assets | 0.1159% | 1,683 |
| Net operating income to assets | 1.1811% | 2,263 |
| Return on assets (ROA) | 1.2028% | 2,266 |
| Pretax return on assets | 1.4232% | 2,211 |
| Return on Equity (ROE) | 11.4148% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.6668% | 2,028 |
| Net charge-offs to loans | 0.1667% | 1,010 |
| Credit loss provision to net charge-offs | 95.7156% | 2,335 |
| Earnings coverage of net charge-offs (x) | 12.4950% | 2,352 |
| Efficiency ratio | 59.0925% | 3,793 |
| Assets per employee ($millions) | 5.7657% | 1,792 |
| Cash dividends to net income (ytd only)* | 41.5955% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 3,934 |
| Loan loss allowance to noncurrent loans | 604.2416% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 3,593 |
| Noncurrent loans to loans | 0.1535% | 3,990 |
| Net loans and leases to total assets | 73.7828% | 1,855 |
| Net loans and leases to deposits | 91.9032% | 1,447 |
| Net loans and leases to core deposits | 103.9726% | 1,328 |
| Total domestic deposits to total assets | 80.2831% | 3,930 |
| Equity capital to assets | 10.9482% | 3,145 |
| Core capital (leverage) ratio | 9.9224% | 3,716 |
| Tier 1 risk-based capital ratio | 12.8167% | 3,946 |
| Total risk-based capital ratio | 13.7188% | 4,043 |
| Memoranda: | ||
| Average total assets | $1,207,457,250 | 659 |
| Average earning assets | $1,105,276,000 | 660 |
| Average equity | $127,235,000 | 714 |
| Average total loans | $877,411,250 | 658 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 3,900 |
| Cost of funding earning assets | 0.7896% | 2,694 |
| Net interest margin | 3.4212% | 3,828 |
| Noninterest income to average assets | 0.5329% | 2,482 |
| Noninterest expense to average assets | 2.2094% | 4,203 |
| Loan and lease loss provision to assets | 0.1245% | 1,493 |
| Net operating income to assets | 1.1369% | 2,383 |
| Return on assets (ROA) | 1.1459% | 2,416 |
| Pretax return on assets | 1.3450% | 2,397 |
| Return on Equity (ROE) | 11.0196% | 1,961 |
| Retained earnings to average equity (ytd only) | 6.1988% | 2,191 |
| Net charge-offs to loans | 0.2245% | 750 |
| Credit loss provision to net charge-offs | 77.0021% | 2,255 |
| Earnings coverage of net charge-offs (x) | 9.0205% | 2,365 |
| Efficiency ratio | 59.9747% | 3,730 |
| Assets per employee ($millions) | 5.9096% | 1,609 |
| Cash dividends to net income (ytd only)* | 43.7473% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 3,976 |
| Loan loss allowance to noncurrent loans | 607.2325% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 3,583 |
| Noncurrent loans to loans | 0.1526% | 4,001 |
| Net loans and leases to total assets | 71.9312% | 2,222 |
| Net loans and leases to deposits | 89.4751% | 1,806 |
| Net loans and leases to core deposits | 102.4418% | 1,519 |
| Total domestic deposits to total assets | 80.3924% | 3,960 |
| Equity capital to assets | 10.6235% | 3,413 |
| Core capital (leverage) ratio | 9.6632% | 3,967 |
| Tier 1 risk-based capital ratio | 12.6919% | 4,017 |
| Total risk-based capital ratio | 13.5855% | 4,091 |
| Memoranda: | ||
| Average total assets | $1,204,420,330 | 660 |
| Average earning assets | $1,103,813,000 | 656 |
| Average equity | $125,249,330 | 722 |
| Average total loans | $867,874,000 | 671 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 3,942 |
| Cost of funding earning assets | 0.7872% | 2,613 |
| Net interest margin | 3.3883% | 3,919 |
| Noninterest income to average assets | 0.5255% | 2,406 |
| Noninterest expense to average assets | 2.1938% | 4,271 |
| Loan and lease loss provision to assets | 0.1506% | 1,114 |
| Net operating income to assets | 1.0989% | 2,474 |
| Return on assets (ROA) | 1.0989% | 2,521 |
| Pretax return on assets | 1.2847% | 2,513 |
| Return on Equity (ROE) | 10.6855% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.7740% | 2,557 |
| Net charge-offs to loans | 0.2579% | 565 |
| Credit loss provision to net charge-offs | 81.3743% | 1,774 |
| Earnings coverage of net charge-offs (x) | 7.7541% | 2,114 |
| Efficiency ratio | 60.1826% | 3,781 |
| Assets per employee ($millions) | 5.8469% | 1,665 |
| Cash dividends to net income (ytd only)* | 45.9641% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,900 |
| Loan loss allowance to noncurrent loans | 761.0757% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,664 |
| Noncurrent loans to loans | 0.1269% | 4,169 |
| Net loans and leases to total assets | 71.1008% | 2,310 |
| Net loans and leases to deposits | 87.6787% | 1,912 |
| Net loans and leases to core deposits | 102.2553% | 1,439 |
| Total domestic deposits to total assets | 81.0925% | 3,954 |
| Equity capital to assets | 10.4014% | 3,417 |
| Core capital (leverage) ratio | 9.6724% | 3,948 |
| Tier 1 risk-based capital ratio | 12.7416% | 4,015 |
| Total risk-based capital ratio | 13.6692% | 4,084 |
| Memoranda: | ||
| Average total assets | $1,194,982,500 | 667 |
| Average earning assets | $1,094,580,000 | 668 |
| Average equity | $122,895,500 | 735 |
| Average total loans | $857,731,500 | 681 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 3,952 |
| Cost of funding earning assets | 0.5361% | 3,137 |
| Net interest margin | 3.4911% | 3,735 |
| Noninterest income to average assets | 0.5941% | 2,327 |
| Noninterest expense to average assets | 2.2185% | 4,294 |
| Loan and lease loss provision to assets | 0.1499% | 1,417 |
| Net operating income to assets | 1.2053% | 2,146 |
| Return on assets (ROA) | 1.2209% | 2,077 |
| Pretax return on assets | 1.4450% | 1,970 |
| Return on Equity (ROE) | 12.2728% | 1,620 |
| Retained earnings to average equity (ytd only) | 7.3439% | 1,519 |
| Net charge-offs to loans | 0.1129% | 1,617 |
| Credit loss provision to net charge-offs | 190.1874% | 1,503 |
| Earnings coverage of net charge-offs (x) | 20.0033% | 2,022 |
| Efficiency ratio | 58.1715% | 4,136 |
| Assets per employee ($millions) | 5.7549% | 1,713 |
| Cash dividends to net income (ytd only)* | 40.1608% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,738 |
| Loan loss allowance to noncurrent loans | 741.4035% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,865 |
| Noncurrent loans to loans | 0.1340% | 4,140 |
| Net loans and leases to total assets | 71.0483% | 2,413 |
| Net loans and leases to deposits | 88.7280% | 1,961 |
| Net loans and leases to core deposits | 101.8650% | 1,587 |
| Total domestic deposits to total assets | 80.0743% | 4,089 |
| Equity capital to assets | 10.1653% | 3,514 |
| Core capital (leverage) ratio | 9.6646% | 3,933 |
| Tier 1 risk-based capital ratio | 12.8195% | 3,957 |
| Total risk-based capital ratio | 13.7810% | 3,989 |
| Memoranda: | ||
| Average total assets | $1,150,908,600 | 668 |
| Average earning assets | $1,055,208,600 | 666 |
| Average equity | $114,489,400 | 745 |
| Average total loans | $803,114,600 | 697 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 3,994 |
| Cost of funding earning assets | 0.4889% | 3,266 |
| Net interest margin | 3.4887% | 3,731 |
| Noninterest income to average assets | 0.6191% | 2,217 |
| Noninterest expense to average assets | 2.2055% | 4,312 |
| Loan and lease loss provision to assets | 0.1576% | 1,234 |
| Net operating income to assets | 1.2288% | 2,127 |
| Return on assets (ROA) | 1.2497% | 2,058 |
| Pretax return on assets | 1.4803% | 1,967 |
| Return on Equity (ROE) | 12.6339% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.7578% | 1,766 |
| Net charge-offs to loans | 0.1186% | 1,323 |
| Credit loss provision to net charge-offs | 191.7614% | 1,432 |
| Earnings coverage of net charge-offs (x) | 19.6293% | 1,993 |
| Efficiency ratio | 57.4616% | 4,188 |
| Assets per employee ($millions) | 5.5373% | 1,878 |
| Cash dividends to net income (ytd only)* | 38.5952% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,692 |
| Loan loss allowance to noncurrent loans | 742.6009% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,938 |
| Noncurrent loans to loans | 0.1360% | 4,273 |
| Net loans and leases to total assets | 70.1193% | 2,625 |
| Net loans and leases to deposits | 86.1795% | 2,346 |
| Net loans and leases to core deposits | 95.9713% | 2,119 |
| Total domestic deposits to total assets | 81.3642% | 3,773 |
| Equity capital to assets | 9.9493% | 3,699 |
| Core capital (leverage) ratio | 9.6228% | 4,026 |
| Tier 1 risk-based capital ratio | 13.0007% | 3,904 |
| Total risk-based capital ratio | 13.9732% | 3,965 |
| Memoranda: | ||
| Average total assets | $1,142,257,750 | 668 |
| Average earning assets | $1,047,542,750 | 672 |
| Average equity | $112,984,000 | 754 |
| Average total loans | $791,208,750 | 707 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,012 |
| Cost of funding earning assets | 0.4684% | 3,235 |
| Net interest margin | 3.4536% | 3,788 |
| Noninterest income to average assets | 0.5747% | 2,452 |
| Noninterest expense to average assets | 2.1807% | 4,412 |
| Loan and lease loss provision to assets | 0.1715% | 1,070 |
| Net operating income to assets | 1.1788% | 2,286 |
| Return on assets (ROA) | 1.2087% | 2,157 |
| Pretax return on assets | 1.4270% | 2,062 |
| Return on Equity (ROE) | 12.2444% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.3398% | 1,905 |
| Net charge-offs to loans | 0.0724% | 1,610 |
| Credit loss provision to net charge-offs | 344.5230% | 915 |
| Earnings coverage of net charge-offs (x) | 31.4099% | 1,458 |
| Efficiency ratio | 57.9266% | 4,243 |
| Assets per employee ($millions) | 5.4559% | 1,933 |
| Cash dividends to net income (ytd only)* | 40.0553% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,621 |
| Loan loss allowance to noncurrent loans | 655.0747% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,849 |
| Noncurrent loans to loans | 0.1580% | 4,197 |
| Net loans and leases to total assets | 69.1459% | 2,698 |
| Net loans and leases to deposits | 83.5406% | 2,587 |
| Net loans and leases to core deposits | 91.9288% | 2,409 |
| Total domestic deposits to total assets | 82.7691% | 3,477 |
| Equity capital to assets | 9.9105% | 3,713 |
| Core capital (leverage) ratio | 9.4773% | 4,138 |
| Tier 1 risk-based capital ratio | 12.8830% | 3,958 |
| Total risk-based capital ratio | 13.8748% | 4,011 |
| Memoranda: | ||
| Average total assets | $1,137,241,670 | 673 |
| Average earning assets | $1,043,621,330 | 675 |
| Average equity | $112,264,000 | 756 |
| Average total loans | $781,686,670 | 712 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,024 |
| Cost of funding earning assets | 0.4712% | 3,027 |
| Net interest margin | 3.3963% | 3,897 |
| Noninterest income to average assets | 0.5344% | 2,614 |
| Noninterest expense to average assets | 2.1584% | 4,511 |
| Loan and lease loss provision to assets | 0.1946% | 859 |
| Net operating income to assets | 1.1053% | 2,395 |
| Return on assets (ROA) | 1.1480% | 2,239 |
| Pretax return on assets | 1.3484% | 2,188 |
| Return on Equity (ROE) | 11.6531% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.7103% | 2,408 |
| Net charge-offs to loans | 0.0441% | 1,678 |
| Credit loss provision to net charge-offs | 647.0588% | 492 |
| Earnings coverage of net charge-offs (x) | 49.6235% | 947 |
| Efficiency ratio | 58.7768% | 4,254 |
| Assets per employee ($millions) | 5.3700% | 2,073 |
| Cash dividends to net income (ytd only)* | 42.4168% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,705 |
| Loan loss allowance to noncurrent loans | 482.0833% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,759 |
| Noncurrent loans to loans | 0.2165% | 4,002 |
| Net loans and leases to total assets | 68.1079% | 2,759 |
| Net loans and leases to deposits | 81.5239% | 2,631 |
| Net loans and leases to core deposits | 90.6067% | 2,406 |
| Total domestic deposits to total assets | 83.5435% | 3,484 |
| Equity capital to assets | 9.9748% | 3,622 |
| Core capital (leverage) ratio | 9.4505% | 4,125 |
| Tier 1 risk-based capital ratio | 12.9924% | 3,950 |
| Total risk-based capital ratio | 13.9869% | 3,985 |
| Memoranda: | ||
| Average total assets | $1,130,270,000 | 680 |
| Average earning assets | $1,037,255,500 | 680 |
| Average equity | $111,352,000 | 767 |
| Average total loans | $770,368,500 | 716 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,051 |
| Cost of funding earning assets | 0.3976% | 3,279 |
| Net interest margin | 3.4012% | 3,854 |
| Noninterest income to average assets | 0.5169% | 2,894 |
| Noninterest expense to average assets | 2.1084% | 4,745 |
| Loan and lease loss provision to assets | 0.1960% | 1,064 |
| Net operating income to assets | 0.7400% | 3,423 |
| Return on assets (ROA) | 0.7525% | 3,420 |
| Pretax return on assets | 1.3419% | 2,205 |
| Return on Equity (ROE) | 7.7450% | 2,924 |
| Retained earnings to average equity (ytd only) | 2.7801% | 3,643 |
| Net charge-offs to loans | 0.1394% | 1,672 |
| Credit loss provision to net charge-offs | 213.7998% | 1,279 |
| Earnings coverage of net charge-offs (x) | 16.5607% | 2,169 |
| Efficiency ratio | 57.7627% | 4,553 |
| Assets per employee ($millions) | 5.3945% | 2,055 |
| Cash dividends to net income (ytd only)* | 64.1047% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,967 |
| Loan loss allowance to noncurrent loans | 307.9468% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 3,401 |
| Noncurrent loans to loans | 0.3242% | 3,605 |
| Net loans and leases to total assets | 66.8189% | 2,993 |
| Net loans and leases to deposits | 81.0295% | 2,813 |
| Net loans and leases to core deposits | 89.4857% | 2,613 |
| Total domestic deposits to total assets | 82.4624% | 3,742 |
| Equity capital to assets | 9.7294% | 3,994 |
| Core capital (leverage) ratio | 8.8745% | 4,783 |
| Tier 1 risk-based capital ratio | 12.4684% | 4,223 |
| Total risk-based capital ratio | 13.4209% | 4,312 |
| Memoranda: | ||
| Average total assets | $1,122,177,200 | 658 |
| Average earning assets | $1,026,094,200 | 662 |
| Average equity | $109,024,800 | 752 |
| Average total loans | $738,207,200 | 713 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 4,117 |
| Cost of funding earning assets | 0.3765% | 3,411 |
| Net interest margin | 3.3907% | 3,878 |
| Noninterest income to average assets | 0.4915% | 3,080 |
| Noninterest expense to average assets | 2.1123% | 4,706 |
| Loan and lease loss provision to assets | 0.2144% | 878 |
| Net operating income to assets | 0.9733% | 2,673 |
| Return on assets (ROA) | 0.9816% | 2,692 |
| Pretax return on assets | 1.2739% | 2,609 |
| Return on Equity (ROE) | 10.1071% | 2,084 |
| Retained earnings to average equity (ytd only) | 5.1578% | 2,772 |
| Net charge-offs to loans | 0.0917% | 1,873 |
| Credit loss provision to net charge-offs | 357.8529% | 848 |
| Earnings coverage of net charge-offs (x) | 24.6640% | 1,759 |
| Efficiency ratio | 58.4600% | 4,439 |
| Assets per employee ($millions) | 5.2851% | 2,136 |
| Cash dividends to net income (ytd only)* | 48.9687% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,928 |
| Loan loss allowance to noncurrent loans | 386.4542% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,865 |
| Noncurrent loans to loans | 0.2654% | 4,011 |
| Net loans and leases to total assets | 66.2033% | 3,076 |
| Net loans and leases to deposits | 80.8432% | 2,892 |
| Net loans and leases to core deposits | 84.9960% | 3,045 |
| Total domestic deposits to total assets | 81.8910% | 3,815 |
| Equity capital to assets | 9.9289% | 3,996 |
| Core capital (leverage) ratio | 8.9165% | 4,841 |
| Tier 1 risk-based capital ratio | 12.4909% | 4,321 |
| Total risk-based capital ratio | 13.4633% | 4,383 |
| Memoranda: | ||
| Average total assets | $1,119,511,750 | 664 |
| Average earning assets | $1,022,978,750 | 667 |
| Average equity | $108,726,500 | 758 |
| Average total loans | $731,613,000 | 721 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,131 |
| Cost of funding earning assets | 0.3658% | 3,423 |
| Net interest margin | 3.3651% | 3,894 |
| Noninterest income to average assets | 0.4912% | 3,077 |
| Noninterest expense to average assets | 2.1388% | 4,695 |
| Loan and lease loss provision to assets | 0.2151% | 828 |
| Net operating income to assets | 0.9433% | 2,700 |
| Return on assets (ROA) | 0.9485% | 2,727 |
| Pretax return on assets | 1.2177% | 2,709 |
| Return on Equity (ROE) | 9.8404% | 2,108 |
| Retained earnings to average equity (ytd only) | 4.8839% | 2,789 |
| Net charge-offs to loans | 0.0675% | 1,963 |
| Credit loss provision to net charge-offs | 491.8033% | 674 |
| Earnings coverage of net charge-offs (x) | 32.6066% | 1,410 |
| Efficiency ratio | 59.5917% | 4,378 |
| Assets per employee ($millions) | 5.3887% | 1,979 |
| Cash dividends to net income (ytd only)* | 50.3686% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,091 |
| Loan loss allowance to noncurrent loans | 273.3604% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 2,629 |
| Noncurrent loans to loans | 0.3690% | 3,708 |
| Net loans and leases to total assets | 64.6514% | 3,296 |
| Net loans and leases to deposits | 77.8809% | 3,126 |
| Net loans and leases to core deposits | 82.3046% | 3,226 |
| Total domestic deposits to total assets | 83.0132% | 3,565 |
| Equity capital to assets | 9.8006% | 4,122 |
| Core capital (leverage) ratio | 8.8334% | 4,910 |
| Tier 1 risk-based capital ratio | 12.5122% | 4,297 |
| Total risk-based capital ratio | 13.4590% | 4,368 |
| Memoranda: | ||
| Average total assets | $1,115,677,000 | 669 |
| Average earning assets | $1,019,102,000 | 671 |
| Average equity | $107,536,000 | 764 |
| Average total loans | $723,307,330 | 732 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,055 |
| Cost of funding earning assets | 0.3695% | 3,317 |
| Net interest margin | 3.3497% | 3,847 |
| Noninterest income to average assets | 0.4269% | 3,464 |
| Noninterest expense to average assets | 2.1700% | 4,721 |
| Loan and lease loss provision to assets | 0.2161% | 742 |
| Net operating income to assets | 0.8862% | 2,831 |
| Return on assets (ROA) | 0.8880% | 2,871 |
| Pretax return on assets | 1.1027% | 2,969 |
| Return on Equity (ROE) | 9.2918% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.2709% | 3,304 |
| Net charge-offs to loans | 0.0904% | 1,444 |
| Credit loss provision to net charge-offs | 370.3704% | 688 |
| Earnings coverage of net charge-offs (x) | 22.5617% | 1,412 |
| Efficiency ratio | 61.8142% | 4,179 |
| Assets per employee ($millions) | 5.3138% | 2,057 |
| Cash dividends to net income (ytd only)* | 54.0365% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 4,504 |
| Loan loss allowance to noncurrent loans | 326.9067% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 2,799 |
| Noncurrent loans to loans | 0.2932% | 4,064 |
| Net loans and leases to total assets | 64.2052% | 3,243 |
| Net loans and leases to deposits | 76.3290% | 3,161 |
| Net loans and leases to core deposits | 82.0303% | 3,093 |
| Total domestic deposits to total assets | 84.1165% | 3,436 |
| Equity capital to assets | 9.6428% | 4,137 |
| Core capital (leverage) ratio | 8.7320% | 5,020 |
| Tier 1 risk-based capital ratio | 12.5995% | 4,320 |
| Total risk-based capital ratio | 13.5006% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,110,394,000 | 674 |
| Average earning assets | $1,014,292,500 | 678 |
| Average equity | $106,114,500 | 771 |
| Average total loans | $717,185,500 | 736 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 3,594 |
| Cost of funding earning assets | 0.4360% | 2,649 |
| Net interest margin | 3.4565% | 3,601 |
| Noninterest income to average assets | 0.5497% | 2,919 |
| Noninterest expense to average assets | 2.4269% | 4,216 |
| Loan and lease loss provision to assets | 0.2274% | 956 |
| Net operating income to assets | 0.8425% | 3,099 |
| Return on assets (ROA) | 0.8674% | 3,103 |
| Pretax return on assets | 1.1013% | 3,104 |
| Return on Equity (ROE) | 7.6751% | 3,129 |
| Retained earnings to average equity (ytd only) | 2.8685% | 3,855 |
| Net charge-offs to loans | 0.4610% | 551 |
| Credit loss provision to net charge-offs | 71.0572% | 3,117 |
| Earnings coverage of net charge-offs (x) | 4.0541% | 3,566 |
| Efficiency ratio | 64.8043% | 3,798 |
| Assets per employee ($millions) | 5.2368% | 2,126 |
| Cash dividends to net income (ytd only)* | 62.6263% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,772 |
| Loan loss allowance to noncurrent loans | 335.3918% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 2,778 |
| Noncurrent loans to loans | 0.2697% | 4,185 |
| Net loans and leases to total assets | 63.7679% | 3,386 |
| Net loans and leases to deposits | 76.2564% | 3,293 |
| Net loans and leases to core deposits | 81.4355% | 3,263 |
| Total domestic deposits to total assets | 83.6230% | 3,561 |
| Equity capital to assets | 9.4701% | 4,304 |
| Core capital (leverage) ratio | 8.6068% | 5,166 |
| Tier 1 risk-based capital ratio | 12.4782% | 4,385 |
| Total risk-based capital ratio | 13.3264% | 4,560 |
| Memoranda: | ||
| Average total assets | $901,661,400 | 802 |
| Average earning assets | $828,061,800 | 801 |
| Average equity | $101,901,600 | 778 |
| Average total loans | $625,878,000 | 796 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,641 |
| Cost of funding earning assets | 0.4445% | 2,605 |
| Net interest margin | 3.4394% | 3,708 |
| Noninterest income to average assets | 0.5421% | 2,961 |
| Noninterest expense to average assets | 2.4222% | 4,218 |
| Loan and lease loss provision to assets | 0.2511% | 750 |
| Net operating income to assets | 0.8158% | 3,296 |
| Return on assets (ROA) | 0.8492% | 3,277 |
| Pretax return on assets | 1.0771% | 3,325 |
| Return on Equity (ROE) | 7.1365% | 3,484 |
| Retained earnings to average equity (ytd only) | 2.4320% | 4,463 |
| Net charge-offs to loans | 0.6038% | 342 |
| Credit loss provision to net charge-offs | 58.5223% | 2,922 |
| Earnings coverage of net charge-offs (x) | 2.9967% | 3,482 |
| Efficiency ratio | 64.9793% | 3,766 |
| Assets per employee ($millions) | 5.5350% | 1,821 |
| Cash dividends to net income (ytd only)* | 65.9212% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 4,964 |
| Loan loss allowance to noncurrent loans | 273.8339% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 2,875 |
| Noncurrent loans to loans | 0.3185% | 4,111 |
| Net loans and leases to total assets | 62.3513% | 3,606 |
| Net loans and leases to deposits | 75.1417% | 3,483 |
| Net loans and leases to core deposits | 78.2603% | 3,642 |
| Total domestic deposits to total assets | 82.9783% | 3,608 |
| Equity capital to assets | 9.8428% | 4,309 |
| Core capital (leverage) ratio | 9.6043% | 4,050 |
| Tier 1 risk-based capital ratio | 12.4797% | 4,495 |
| Total risk-based capital ratio | 13.2984% | 4,663 |
| Memoranda: | ||
| Average total assets | $849,524,500 | 854 |
| Average earning assets | $781,984,500 | 857 |
| Average equity | $101,092,500 | 788 |
| Average total loans | $603,742,500 | 823 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 3,007 |
| Cost of funding earning assets | 0.4823% | 2,249 |
| Net interest margin | 3.5828% | 3,166 |
| Noninterest income to average assets | 0.5513% | 2,893 |
| Noninterest expense to average assets | 2.3151% | 4,567 |
| Loan and lease loss provision to assets | 0.3034% | 587 |
| Net operating income to assets | 0.9639% | 2,553 |
| Return on assets (ROA) | 1.0188% | 2,439 |
| Pretax return on assets | 1.3182% | 2,335 |
| Return on Equity (ROE) | 7.8876% | 3,041 |
| Retained earnings to average equity (ytd only) | 3.2147% | 3,849 |
| Net charge-offs to loans | 0.9308% | 202 |
| Credit loss provision to net charge-offs | 43.3962% | 2,740 |
| Earnings coverage of net charge-offs (x) | 2.2177% | 3,308 |
| Efficiency ratio | 59.5714% | 4,698 |
| Assets per employee ($millions) | 5.3959% | 1,887 |
| Cash dividends to net income (ytd only)* | 59.2439% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,554 |
| Loan loss allowance to noncurrent loans | 485.5946% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 2,439 |
| Noncurrent loans to loans | 0.2053% | 4,621 |
| Net loans and leases to total assets | 75.1637% | 1,619 |
| Net loans and leases to deposits | 98.3646% | 849 |
| Net loans and leases to core deposits | 101.6309% | 1,499 |
| Total domestic deposits to total assets | 76.4133% | 5,233 |
| Equity capital to assets | 13.0347% | 1,482 |
| Core capital (leverage) ratio | 11.6287% | 1,887 |
| Tier 1 risk-based capital ratio | 14.8787% | 3,130 |
| Total risk-based capital ratio | 15.8677% | 3,186 |
| Memoranda: | ||
| Average total assets | $758,164,330 | 949 |
| Average earning assets | $701,295,000 | 950 |
| Average equity | $97,925,330 | 806 |
| Average total loans | $569,408,000 | 869 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,109 |
| Cost of funding earning assets | 0.4883% | 2,193 |
| Net interest margin | 3.5416% | 3,316 |
| Noninterest income to average assets | 0.5421% | 2,856 |
| Noninterest expense to average assets | 2.2760% | 4,722 |
| Loan and lease loss provision to assets | 0.2387% | 759 |
| Net operating income to assets | 0.9947% | 2,305 |
| Return on assets (ROA) | 1.0205% | 2,312 |
| Pretax return on assets | 1.3350% | 2,161 |
| Return on Equity (ROE) | 7.9380% | 2,950 |
| Retained earnings to average equity (ytd only) | 3.2140% | 3,894 |
| Net charge-offs to loans | 0.0753% | 1,737 |
| Credit loss provision to net charge-offs | 424.5283% | 680 |
| Earnings coverage of net charge-offs (x) | 27.3868% | 1,244 |
| Efficiency ratio | 59.3133% | 4,834 |
| Assets per employee ($millions) | 5.4995% | 1,831 |
| Cash dividends to net income (ytd only)* | 59.5114% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,661 |
| Loan loss allowance to noncurrent loans | 111.2859% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 1,686 |
| Noncurrent loans to loans | 1.2128% | 1,999 |
| Net loans and leases to total assets | 73.5984% | 1,798 |
| Net loans and leases to deposits | 99.3863% | 664 |
| Net loans and leases to core deposits | 103.1254% | 1,253 |
| Total domestic deposits to total assets | 74.0529% | 5,605 |
| Equity capital to assets | 12.9139% | 1,451 |
| Core capital (leverage) ratio | 11.6558% | 1,856 |
| Tier 1 risk-based capital ratio | 14.9677% | 3,174 |
| Total risk-based capital ratio | 16.2186% | 3,106 |
| Memoranda: | ||
| Average total assets | $754,138,000 | 952 |
| Average earning assets | $697,078,000 | 951 |
| Average equity | $96,951,000 | 814 |
| Average total loans | $563,254,500 | 876 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,052 |
| Cost of funding earning assets | 0.4769% | 2,378 |
| Net interest margin | 3.5880% | 3,183 |
| Noninterest income to average assets | 0.5002% | 3,330 |
| Noninterest expense to average assets | 2.2230% | 4,999 |
| Loan and lease loss provision to assets | 0.6204% | 166 |
| Net operating income to assets | 0.7611% | 3,520 |
| Return on assets (ROA) | 0.8272% | 3,285 |
| Pretax return on assets | 1.0617% | 3,221 |
| Return on Equity (ROE) | 6.3866% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.6032% | 4,805 |
| Net charge-offs to loans | 0.5925% | 408 |
| Credit loss provision to net charge-offs | 145.0744% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.7352% | 3,670 |
| Efficiency ratio | 57.8216% | 5,161 |
| Assets per employee ($millions) | 5.3525% | 1,951 |
| Cash dividends to net income (ytd only)* | 74.8977% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,882 |
| Loan loss allowance to noncurrent loans | 102.3275% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 1,592 |
| Noncurrent loans to loans | 1.2729% | 1,853 |
| Net loans and leases to total assets | 73.7988% | 1,764 |
| Net loans and leases to deposits | 99.9910% | 674 |
| Net loans and leases to core deposits | 103.6533% | 1,246 |
| Total domestic deposits to total assets | 73.8055% | 5,667 |
| Equity capital to assets | 12.7971% | 1,467 |
| Core capital (leverage) ratio | 11.7301% | 1,798 |
| Tier 1 risk-based capital ratio | 15.0007% | 3,179 |
| Total risk-based capital ratio | 16.2510% | 3,109 |
| Memoranda: | ||
| Average total assets | $738,282,800 | 936 |
| Average earning assets | $683,135,200 | 935 |
| Average equity | $95,622,600 | 796 |
| Average total loans | $532,782,200 | 881 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 3,030 |
| Cost of funding earning assets | 0.4766% | 2,440 |
| Net interest margin | 3.6029% | 3,148 |
| Noninterest income to average assets | 0.4965% | 3,392 |
| Noninterest expense to average assets | 2.1675% | 5,133 |
| Loan and lease loss provision to assets | 0.3190% | 438 |
| Net operating income to assets | 1.0057% | 2,443 |
| Return on assets (ROA) | 1.0748% | 2,202 |
| Pretax return on assets | 1.4379% | 1,871 |
| Return on Equity (ROE) | 8.2729% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.4897% | 3,984 |
| Net charge-offs to loans | 0.4787% | 513 |
| Credit loss provision to net charge-offs | 93.2203% | 2,421 |
| Earnings coverage of net charge-offs (x) | 4.8644% | 3,288 |
| Efficiency ratio | 56.1799% | 5,332 |
| Assets per employee ($millions) | 5.4202% | 1,854 |
| Cash dividends to net income (ytd only)* | 57.8174% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 4,434 |
| Loan loss allowance to noncurrent loans | 62.9394% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 1,644 |
| Noncurrent loans to loans | 1.6788% | 1,452 |
| Net loans and leases to total assets | 71.9480% | 2,063 |
| Net loans and leases to deposits | 93.9065% | 1,216 |
| Net loans and leases to core deposits | 97.3073% | 1,762 |
| Total domestic deposits to total assets | 76.6167% | 5,403 |
| Equity capital to assets | 12.9803% | 1,455 |
| Core capital (leverage) ratio | 11.8066% | 1,814 |
| Tier 1 risk-based capital ratio | 15.6530% | 2,972 |
| Total risk-based capital ratio | 16.6920% | 3,004 |
| Memoranda: | ||
| Average total assets | $735,516,500 | 947 |
| Average earning assets | $680,983,000 | 946 |
| Average equity | $95,554,500 | 805 |
| Average total loans | $525,900,750 | 895 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,815 |
| Cost of funding earning assets | 0.4765% | 2,463 |
| Net interest margin | 3.6464% | 2,920 |
| Noninterest income to average assets | 0.4690% | 3,569 |
| Noninterest expense to average assets | 2.1664% | 5,191 |
| Loan and lease loss provision to assets | 0.2844% | 569 |
| Net operating income to assets | 1.0366% | 2,196 |
| Return on assets (ROA) | 1.1267% | 1,936 |
| Pretax return on assets | 1.5174% | 1,596 |
| Return on Equity (ROE) | 8.6698% | 2,713 |
| Retained earnings to average equity (ytd only) | 3.8614% | 3,546 |
| Net charge-offs to loans | 0.3724% | 699 |
| Credit loss provision to net charge-offs | 107.4380% | 1,957 |
| Earnings coverage of net charge-offs (x) | 6.3471% | 2,796 |
| Efficiency ratio | 55.9221% | 5,433 |
| Assets per employee ($millions) | 5.2835% | 1,942 |
| Cash dividends to net income (ytd only)* | 55.4612% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 4,305 |
| Loan loss allowance to noncurrent loans | 55.2798% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.6181% | 1,487 |
| Noncurrent loans to loans | 1.9953% | 1,227 |
| Net loans and leases to total assets | 71.0726% | 2,150 |
| Net loans and leases to deposits | 92.3573% | 1,334 |
| Net loans and leases to core deposits | 96.5012% | 1,758 |
| Total domestic deposits to total assets | 76.9540% | 5,461 |
| Equity capital to assets | 12.6838% | 1,561 |
| Core capital (leverage) ratio | 11.7649% | 1,797 |
| Tier 1 risk-based capital ratio | 15.6414% | 3,034 |
| Total risk-based capital ratio | 16.7244% | 3,063 |
| Memoranda: | ||
| Average total assets | $731,360,000 | 950 |
| Average earning assets | $677,427,330 | 956 |
| Average equity | $95,042,330 | 815 |
| Average total loans | $519,898,330 | 910 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,304 |
| Cost of funding earning assets | 0.4682% | 2,578 |
| Net interest margin | 3.7743% | 2,330 |
| Noninterest income to average assets | 0.5064% | 3,248 |
| Noninterest expense to average assets | 2.2424% | 5,034 |
| Loan and lease loss provision to assets | 0.3435% | 380 |
| Net operating income to assets | 1.0356% | 2,095 |
| Return on assets (ROA) | 1.1614% | 1,765 |
| Pretax return on assets | 1.5858% | 1,304 |
| Return on Equity (ROE) | 8.8268% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.0091% | 3,598 |
| Net charge-offs to loans | 0.3825% | 641 |
| Credit loss provision to net charge-offs | 127.0492% | 1,393 |
| Earnings coverage of net charge-offs (x) | 6.4980% | 2,284 |
| Efficiency ratio | 55.6802% | 5,540 |
| Assets per employee ($millions) | 5.2363% | 2,067 |
| Cash dividends to net income (ytd only)* | 54.5802% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,223 |
| Loan loss allowance to noncurrent loans | 104.7063% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,593 |
| Noncurrent loans to loans | 1.1050% | 2,561 |
| Net loans and leases to total assets | 70.0024% | 2,142 |
| Net loans and leases to deposits | 89.7195% | 1,419 |
| Net loans and leases to core deposits | 96.4381% | 1,586 |
| Total domestic deposits to total assets | 78.0236% | 5,445 |
| Equity capital to assets | 13.0543% | 1,369 |
| Core capital (leverage) ratio | 12.0251% | 1,621 |
| Tier 1 risk-based capital ratio | 16.1543% | 2,846 |
| Total risk-based capital ratio | 17.2962% | 2,831 |
| Memoranda: | ||
| Average total assets | $721,914,500 | 963 |
| Average earning assets | $668,101,500 | 963 |
| Average equity | $94,983,500 | 815 |
| Average total loans | $510,262,500 | 923 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,786 |
| Cost of funding earning assets | 0.4910% | 2,763 |
| Net interest margin | 3.7576% | 2,780 |
| Noninterest income to average assets | 0.4317% | 3,960 |
| Noninterest expense to average assets | 2.3250% | 5,045 |
| Loan and lease loss provision to assets | 0.2363% | 1,011 |
| Net operating income to assets | 0.9865% | 2,448 |
| Return on assets (ROA) | 1.1083% | 1,995 |
| Pretax return on assets | 1.4882% | 1,588 |
| Return on Equity (ROE) | 8.6116% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.8276% | 3,493 |
| Net charge-offs to loans | 0.3021% | 1,460 |
| Credit loss provision to net charge-offs | 111.0377% | 2,148 |
| Earnings coverage of net charge-offs (x) | 7.3298% | 3,052 |
| Efficiency ratio | 59.4084% | 5,296 |
| Assets per employee ($millions) | 5.1503% | 2,122 |
| Cash dividends to net income (ytd only)* | 55.5527% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,156 |
| Loan loss allowance to noncurrent loans | 104.9295% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 2,144 |
| Noncurrent loans to loans | 1.1168% | 2,602 |
| Net loans and leases to total assets | 69.7109% | 2,275 |
| Net loans and leases to deposits | 88.1947% | 1,714 |
| Net loans and leases to core deposits | 94.8664% | 1,829 |
| Total domestic deposits to total assets | 79.0421% | 5,243 |
| Equity capital to assets | 13.2632% | 1,242 |
| Core capital (leverage) ratio | 11.9331% | 1,671 |
| Tier 1 risk-based capital ratio | 16.4325% | 2,744 |
| Total risk-based capital ratio | 17.5854% | 2,741 |
| Memoranda: | ||
| Average total assets | $710,919,800 | 942 |
| Average earning assets | $653,337,600 | 943 |
| Average equity | $91,493,400 | 805 |
| Average total loans | $500,853,000 | 891 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,771 |
| Cost of funding earning assets | 0.4933% | 2,831 |
| Net interest margin | 3.7681% | 2,744 |
| Noninterest income to average assets | 0.5129% | 3,458 |
| Noninterest expense to average assets | 2.3117% | 5,077 |
| Loan and lease loss provision to assets | 0.2363% | 931 |
| Net operating income to assets | 1.0545% | 2,218 |
| Return on assets (ROA) | 1.1800% | 1,823 |
| Pretax return on assets | 1.5939% | 1,339 |
| Return on Equity (ROE) | 9.2391% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.4272% | 3,503 |
| Net charge-offs to loans | 0.3507% | 1,151 |
| Credit loss provision to net charge-offs | 95.6720% | 2,330 |
| Earnings coverage of net charge-offs (x) | 6.7236% | 3,038 |
| Efficiency ratio | 57.7613% | 5,477 |
| Assets per employee ($millions) | 5.0475% | 2,185 |
| Cash dividends to net income (ytd only)* | 52.0820% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 4,625 |
| Loan loss allowance to noncurrent loans | 95.3594% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 2,028 |
| Noncurrent loans to loans | 1.1827% | 2,696 |
| Net loans and leases to total assets | 69.1177% | 2,342 |
| Net loans and leases to deposits | 90.1736% | 1,410 |
| Net loans and leases to core deposits | 92.4171% | 2,000 |
| Total domestic deposits to total assets | 76.6496% | 5,737 |
| Equity capital to assets | 13.0082% | 1,421 |
| Core capital (leverage) ratio | 11.9113% | 1,752 |
| Tier 1 risk-based capital ratio | 16.2284% | 2,940 |
| Total risk-based capital ratio | 17.3308% | 2,971 |
| Memoranda: | ||
| Average total assets | $710,963,000 | 951 |
| Average earning assets | $652,732,000 | 954 |
| Average equity | $90,799,750 | 815 |
| Average total loans | $500,730,500 | 896 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,705 |
| Cost of funding earning assets | 0.4991% | 2,842 |
| Net interest margin | 3.7698% | 2,665 |
| Noninterest income to average assets | 0.5029% | 3,464 |
| Noninterest expense to average assets | 2.3347% | 5,070 |
| Loan and lease loss provision to assets | 0.2369% | 957 |
| Net operating income to assets | 1.0394% | 2,166 |
| Return on assets (ROA) | 1.1652% | 1,773 |
| Pretax return on assets | 1.5697% | 1,331 |
| Return on Equity (ROE) | 9.1813% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.3295% | 3,417 |
| Net charge-offs to loans | 0.3743% | 1,084 |
| Credit loss provision to net charge-offs | 89.6478% | 2,187 |
| Earnings coverage of net charge-offs (x) | 6.1921% | 2,810 |
| Efficiency ratio | 58.3351% | 5,515 |
| Assets per employee ($millions) | 5.0735% | 2,123 |
| Cash dividends to net income (ytd only)* | 52.8443% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 4,831 |
| Loan loss allowance to noncurrent loans | 74.7735% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 1,975 |
| Noncurrent loans to loans | 1.4934% | 2,330 |
| Net loans and leases to total assets | 69.4585% | 2,167 |
| Net loans and leases to deposits | 89.4367% | 1,425 |
| Net loans and leases to core deposits | 91.6433% | 1,959 |
| Total domestic deposits to total assets | 77.6622% | 5,696 |
| Equity capital to assets | 12.8900% | 1,427 |
| Core capital (leverage) ratio | 11.7412% | 1,828 |
| Tier 1 risk-based capital ratio | 15.9727% | 3,103 |
| Total risk-based capital ratio | 17.0650% | 3,120 |
| Memoranda: | ||
| Average total assets | $709,034,000 | 951 |
| Average earning assets | $652,342,670 | 951 |
| Average equity | $89,987,670 | 815 |
| Average total loans | $500,623,330 | 890 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,595 |
| Cost of funding earning assets | 0.5055% | 2,845 |
| Net interest margin | 3.7740% | 2,577 |
| Noninterest income to average assets | 0.5389% | 3,117 |
| Noninterest expense to average assets | 2.2792% | 5,250 |
| Loan and lease loss provision to assets | 0.2380% | 928 |
| Net operating income to assets | 1.1128% | 1,764 |
| Return on assets (ROA) | 1.1526% | 1,690 |
| Pretax return on assets | 1.5572% | 1,267 |
| Return on Equity (ROE) | 9.1543% | 2,391 |
| Retained earnings to average equity (ytd only) | 4.2441% | 3,585 |
| Net charge-offs to loans | 0.3210% | 1,107 |
| Credit loss provision to net charge-offs | 104.7382% | 1,596 |
| Earnings coverage of net charge-offs (x) | 7.6633% | 2,100 |
| Efficiency ratio | 56.2227% | 5,818 |
| Assets per employee ($millions) | 4.9069% | 2,370 |
| Cash dividends to net income (ytd only)* | 53.6382% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 4,846 |
| Loan loss allowance to noncurrent loans | 60.0818% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.5528% | 2,273 |
| Noncurrent loans to loans | 1.9212% | 1,964 |
| Net loans and leases to total assets | 69.8924% | 1,903 |
| Net loans and leases to deposits | 90.6535% | 1,074 |
| Net loans and leases to core deposits | 94.2478% | 1,528 |
| Total domestic deposits to total assets | 77.0984% | 5,954 |
| Equity capital to assets | 12.8497% | 1,383 |
| Core capital (leverage) ratio | 11.6440% | 1,868 |
| Tier 1 risk-based capital ratio | 16.1117% | 3,114 |
| Total risk-based capital ratio | 17.2512% | 3,124 |
| Memoranda: | ||
| Average total assets | $705,872,000 | 961 |
| Average earning assets | $651,198,500 | 956 |
| Average equity | $88,876,500 | 825 |
| Average total loans | $499,691,000 | 889 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 2,489 |
| Cost of funding earning assets | 0.5636% | 2,988 |
| Net interest margin | 3.8614% | 2,427 |
| Noninterest income to average assets | 0.6412% | 2,857 |
| Noninterest expense to average assets | 2.3363% | 5,265 |
| Loan and lease loss provision to assets | 0.3470% | 916 |
| Net operating income to assets | 1.1516% | 1,754 |
| Return on assets (ROA) | 1.2484% | 1,454 |
| Pretax return on assets | 1.6493% | 1,054 |
| Return on Equity (ROE) | 9.8290% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.0300% | 2,573 |
| Net charge-offs to loans | 0.4520% | 1,465 |
| Credit loss provision to net charge-offs | 109.3892% | 2,202 |
| Earnings coverage of net charge-offs (x) | 5.8920% | 3,181 |
| Efficiency ratio | 55.0865% | 6,040 |
| Assets per employee ($millions) | 5.0005% | 2,180 |
| Cash dividends to net income (ytd only)* | 48.8246% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 4,975 |
| Loan loss allowance to noncurrent loans | 59.7884% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4866% | 2,503 |
| Noncurrent loans to loans | 1.8971% | 2,120 |
| Net loans and leases to total assets | 70.0678% | 1,999 |
| Net loans and leases to deposits | 91.7288% | 1,085 |
| Net loans and leases to core deposits | 96.1990% | 1,441 |
| Total domestic deposits to total assets | 76.3858% | 6,059 |
| Equity capital to assets | 12.3354% | 1,602 |
| Core capital (leverage) ratio | 11.5084% | 1,957 |
| Tier 1 risk-based capital ratio | 15.7322% | 3,231 |
| Total risk-based capital ratio | 16.8553% | 3,261 |
| Memoranda: | ||
| Average total assets | $691,687,000 | 957 |
| Average earning assets | $638,420,800 | 951 |
| Average equity | $87,852,400 | 799 |
| Average total loans | $485,349,200 | 876 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 2,353 |
| Cost of funding earning assets | 0.5770% | 3,024 |
| Net interest margin | 3.8918% | 2,306 |
| Noninterest income to average assets | 0.6714% | 2,770 |
| Noninterest expense to average assets | 2.3591% | 5,155 |
| Loan and lease loss provision to assets | 0.3881% | 792 |
| Net operating income to assets | 1.1586% | 1,779 |
| Return on assets (ROA) | 1.2456% | 1,569 |
| Pretax return on assets | 1.6302% | 1,266 |
| Return on Equity (ROE) | 9.7346% | 2,288 |
| Retained earnings to average equity (ytd only) | 4.9985% | 3,087 |
| Net charge-offs to loans | 0.5387% | 1,182 |
| Credit loss provision to net charge-offs | 102.9336% | 2,279 |
| Earnings coverage of net charge-offs (x) | 5.0494% | 3,295 |
| Efficiency ratio | 54.8662% | 6,028 |
| Assets per employee ($millions) | 4.8096% | 2,426 |
| Cash dividends to net income (ytd only)* | 48.6525% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,155 |
| Loan loss allowance to noncurrent loans | 54.0548% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 2,542 |
| Noncurrent loans to loans | 2.1112% | 2,116 |
| Net loans and leases to total assets | 68.5764% | 2,218 |
| Net loans and leases to deposits | 87.6289% | 1,412 |
| Net loans and leases to core deposits | 89.7433% | 1,998 |
| Total domestic deposits to total assets | 78.2577% | 5,867 |
| Equity capital to assets | 12.4527% | 1,609 |
| Core capital (leverage) ratio | 11.5292% | 2,017 |
| Tier 1 risk-based capital ratio | 16.1033% | 3,132 |
| Total risk-based capital ratio | 17.2398% | 3,154 |
| Memoranda: | ||
| Average total assets | $687,092,750 | 976 |
| Average earning assets | $634,066,250 | 963 |
| Average equity | $87,918,250 | 807 |
| Average total loans | $480,878,000 | 887 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 2,292 |
| Cost of funding earning assets | 0.5925% | 3,008 |
| Net interest margin | 3.8824% | 2,264 |
| Noninterest income to average assets | 0.7677% | 2,339 |
| Noninterest expense to average assets | 2.4083% | 5,031 |
| Loan and lease loss provision to assets | 0.4692% | 604 |
| Net operating income to assets | 1.1563% | 1,712 |
| Return on assets (ROA) | 1.2459% | 1,563 |
| Pretax return on assets | 1.5946% | 1,386 |
| Return on Equity (ROE) | 9.6484% | 2,345 |
| Retained earnings to average equity (ytd only) | 4.9480% | 3,087 |
| Net charge-offs to loans | 0.5652% | 1,164 |
| Credit loss provision to net charge-offs | 118.2557% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.9120% | 3,004 |
| Efficiency ratio | 54.7883% | 6,074 |
| Assets per employee ($millions) | 4.8339% | 2,318 |
| Cash dividends to net income (ytd only)* | 48.7173% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,021 |
| Loan loss allowance to noncurrent loans | 49.6417% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 2,343 |
| Noncurrent loans to loans | 2.4085% | 1,950 |
| Net loans and leases to total assets | 68.2516% | 2,189 |
| Net loans and leases to deposits | 86.2347% | 1,554 |
| Net loans and leases to core deposits | 88.8499% | 2,019 |
| Total domestic deposits to total assets | 79.1464% | 5,784 |
| Equity capital to assets | 12.4528% | 1,607 |
| Core capital (leverage) ratio | 11.4616% | 1,967 |
| Tier 1 risk-based capital ratio | 15.9282% | 3,236 |
| Total risk-based capital ratio | 17.1086% | 3,230 |
| Memoranda: | ||
| Average total assets | $682,054,330 | 977 |
| Average earning assets | $630,586,670 | 972 |
| Average equity | $88,076,330 | 809 |
| Average total loans | $478,801,330 | 882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 2,099 |
| Cost of funding earning assets | 0.6119% | 2,994 |
| Net interest margin | 3.9076% | 2,095 |
| Noninterest income to average assets | 0.9830% | 1,512 |
| Noninterest expense to average assets | 2.4526% | 4,941 |
| Loan and lease loss provision to assets | 0.4740% | 579 |
| Net operating income to assets | 1.3348% | 1,196 |
| Return on assets (ROA) | 1.4002% | 1,112 |
| Pretax return on assets | 1.7522% | 967 |
| Return on Equity (ROE) | 10.6473% | 1,818 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,654 |
| Net charge-offs to loans | 0.4822% | 1,241 |
| Credit loss provision to net charge-offs | 138.8889% | 1,441 |
| Earnings coverage of net charge-offs (x) | 6.2830% | 2,243 |
| Efficiency ratio | 52.8745% | 6,322 |
| Assets per employee ($millions) | 4.6846% | 2,677 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 5,201 |
| Loan loss allowance to noncurrent loans | 45.5131% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0139% | 2,327 |
| Noncurrent loans to loans | 2.6278% | 1,958 |
| Net loans and leases to total assets | 69.6395% | 1,729 |
| Net loans and leases to deposits | 88.1747% | 1,129 |
| Net loans and leases to core deposits | 91.4263% | 1,566 |
| Total domestic deposits to total assets | 78.9790% | 5,965 |
| Equity capital to assets | 13.1224% | 1,375 |
| Core capital (leverage) ratio | 11.6331% | 1,795 |
| Tier 1 risk-based capital ratio | 15.8165% | 3,362 |
| Total risk-based capital ratio | 16.9978% | 3,358 |
| Memoranda: | ||
| Average total assets | $675,043,000 | 1,000 |
| Average earning assets | $624,327,500 | 995 |
| Average equity | $88,774,000 | 808 |
| Average total loans | $477,785,500 | 887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 2,675 |
| Cost of funding earning assets | 0.7400% | 3,158 |
| Net interest margin | 3.9408% | 2,649 |
| Noninterest income to average assets | 0.5640% | 3,488 |
| Noninterest expense to average assets | 2.3320% | 5,606 |
| Loan and lease loss provision to assets | 0.3600% | 1,844 |
| Net operating income to assets | 1.1092% | 1,913 |
| Return on assets (ROA) | 1.2556% | 1,593 |
| Pretax return on assets | 1.7072% | 1,122 |
| Return on Equity (ROE) | 9.8674% | 2,225 |
| Retained earnings to average equity (ytd only) | 5.2824% | 2,515 |
| Net charge-offs to loans | 0.5069% | 2,215 |
| Credit loss provision to net charge-offs | 101.8288% | 2,965 |
| Earnings coverage of net charge-offs (x) | 5.2884% | 3,080 |
| Efficiency ratio | 54.9708% | 6,173 |
| Assets per employee ($millions) | 4.5634% | 2,855 |
| Cash dividends to net income (ytd only)* | 46.4662% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,328 |
| Loan loss allowance to noncurrent loans | 41.6850% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 2.0946% | 2,340 |
| Noncurrent loans to loans | 2.7682% | 1,907 |
| Net loans and leases to total assets | 70.2581% | 1,793 |
| Net loans and leases to deposits | 89.6797% | 1,098 |
| Net loans and leases to core deposits | 92.5758% | 1,588 |
| Total domestic deposits to total assets | 78.3434% | 6,024 |
| Equity capital to assets | 13.1797% | 1,366 |
| Core capital (leverage) ratio | 11.2049% | 2,089 |
| Tier 1 risk-based capital ratio | 15.5965% | 3,376 |
| Total risk-based capital ratio | 16.7370% | 3,392 |
| Memoranda: | ||
| Average total assets | $680,646,800 | 961 |
| Average earning assets | $628,254,600 | 954 |
| Average equity | $86,608,000 | 798 |
| Average total loans | $474,623,000 | 862 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 2,797 |
| Cost of funding earning assets | 0.7548% | 3,312 |
| Net interest margin | 3.9486% | 2,708 |
| Noninterest income to average assets | 0.5520% | 3,600 |
| Noninterest expense to average assets | 2.3199% | 5,637 |
| Loan and lease loss provision to assets | 0.3221% | 2,050 |
| Net operating income to assets | 1.1396% | 1,955 |
| Return on assets (ROA) | 1.3171% | 1,539 |
| Pretax return on assets | 1.7996% | 1,047 |
| Return on Equity (ROE) | 10.4427% | 2,156 |
| Retained earnings to average equity (ytd only) | 5.8806% | 2,776 |
| Net charge-offs to loans | 0.4970% | 2,125 |
| Credit loss provision to net charge-offs | 93.3786% | 3,198 |
| Earnings coverage of net charge-offs (x) | 5.4465% | 3,023 |
| Efficiency ratio | 54.7141% | 6,175 |
| Assets per employee ($millions) | 4.5273% | 2,866 |
| Cash dividends to net income (ytd only)* | 43.6870% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,667 |
| Loan loss allowance to noncurrent loans | 38.7591% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 2.0710% | 2,563 |
| Noncurrent loans to loans | 2.8732% | 1,954 |
| Net loans and leases to total assets | 68.0243% | 2,292 |
| Net loans and leases to deposits | 87.4636% | 1,420 |
| Net loans and leases to core deposits | 89.2754% | 2,074 |
| Total domestic deposits to total assets | 77.7745% | 6,122 |
| Equity capital to assets | 12.6832% | 1,777 |
| Core capital (leverage) ratio | 11.1054% | 2,294 |
| Tier 1 risk-based capital ratio | 15.3172% | 3,637 |
| Total risk-based capital ratio | 16.4168% | 3,679 |
| Memoranda: | ||
| Average total assets | $683,103,000 | 967 |
| Average earning assets | $630,823,500 | 963 |
| Average equity | $86,157,000 | 808 |
| Average total loans | $474,076,500 | 873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 2,733 |
| Cost of funding earning assets | 0.7717% | 3,434 |
| Net interest margin | 3.9744% | 2,614 |
| Noninterest income to average assets | 0.4797% | 4,060 |
| Noninterest expense to average assets | 2.2883% | 5,775 |
| Loan and lease loss provision to assets | 0.2211% | 2,866 |
| Net operating income to assets | 1.2004% | 1,719 |
| Return on assets (ROA) | 1.3325% | 1,507 |
| Pretax return on assets | 1.8163% | 1,006 |
| Return on Equity (ROE) | 10.5854% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.9836% | 2,724 |
| Net charge-offs to loans | 0.1834% | 3,490 |
| Credit loss provision to net charge-offs | 173.2102% | 1,620 |
| Earnings coverage of net charge-offs (x) | 14.5427% | 1,709 |
| Efficiency ratio | 54.6412% | 6,260 |
| Assets per employee ($millions) | 4.5572% | 2,796 |
| Cash dividends to net income (ytd only)* | 43.4735% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 5,330 |
| Loan loss allowance to noncurrent loans | 65.0338% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4845% | 3,475 |
| Noncurrent loans to loans | 1.8518% | 3,145 |
| Net loans and leases to total assets | 69.3049% | 2,054 |
| Net loans and leases to deposits | 88.5422% | 1,315 |
| Net loans and leases to core deposits | 90.8307% | 1,892 |
| Total domestic deposits to total assets | 78.2733% | 6,104 |
| Equity capital to assets | 12.6820% | 1,696 |
| Core capital (leverage) ratio | 10.9863% | 2,304 |
| Tier 1 risk-based capital ratio | 15.0722% | 3,725 |
| Total risk-based capital ratio | 16.2632% | 3,717 |
| Memoranda: | ||
| Average total assets | $678,404,330 | 969 |
| Average earning assets | $625,598,000 | 965 |
| Average equity | $85,400,330 | 805 |
| Average total loans | $472,233,330 | 876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 2,787 |
| Cost of funding earning assets | 0.7826% | 3,608 |
| Net interest margin | 3.9823% | 2,583 |
| Noninterest income to average assets | 0.4599% | 4,228 |
| Noninterest expense to average assets | 2.3326% | 5,684 |
| Loan and lease loss provision to assets | 0.2072% | 2,882 |
| Net operating income to assets | 1.1617% | 1,852 |
| Return on assets (ROA) | 1.3039% | 1,618 |
| Pretax return on assets | 1.7774% | 1,131 |
| Return on Equity (ROE) | 10.3970% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.7625% | 3,104 |
| Net charge-offs to loans | 0.1622% | 3,116 |
| Credit loss provision to net charge-offs | 184.2105% | 1,422 |
| Earnings coverage of net charge-offs (x) | 15.9158% | 1,395 |
| Efficiency ratio | 55.9943% | 6,122 |
| Assets per employee ($millions) | 4.5014% | 2,996 |
| Cash dividends to net income (ytd only)* | 44.5756% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,627 |
| Loan loss allowance to noncurrent loans | 62.0088% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 3,628 |
| Noncurrent loans to loans | 1.8908% | 3,296 |
| Net loans and leases to total assets | 69.2121% | 1,910 |
| Net loans and leases to deposits | 86.5589% | 1,348 |
| Net loans and leases to core deposits | 91.0420% | 1,746 |
| Total domestic deposits to total assets | 79.9595% | 5,861 |
| Equity capital to assets | 12.4703% | 1,741 |
| Core capital (leverage) ratio | 10.9627% | 2,289 |
| Tier 1 risk-based capital ratio | 14.7082% | 3,950 |
| Total risk-based capital ratio | 15.8611% | 3,974 |
| Memoranda: | ||
| Average total assets | $675,819,000 | 974 |
| Average earning assets | $621,551,500 | 967 |
| Average equity | $84,755,000 | 811 |
| Average total loans | $468,587,000 | 879 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 3,818 |
| Cost of funding earning assets | 0.8957% | 4,150 |
| Net interest margin | 3.9029% | 3,324 |
| Noninterest income to average assets | 0.5192% | 3,722 |
| Noninterest expense to average assets | 2.2977% | 6,043 |
| Loan and lease loss provision to assets | 0.2529% | 3,675 |
| Net operating income to assets | 1.1751% | 1,585 |
| Return on assets (ROA) | 1.2907% | 1,373 |
| Pretax return on assets | 1.7510% | 893 |
| Return on Equity (ROE) | 10.5557% | 1,861 |
| Retained earnings to average equity (ytd only) | 5.7014% | 2,172 |
| Net charge-offs to loans | 0.4156% | 3,345 |
| Credit loss provision to net charge-offs | 90.8829% | 3,975 |
| Earnings coverage of net charge-offs (x) | 6.6388% | 2,474 |
| Efficiency ratio | 55.0093% | 6,422 |
| Assets per employee ($millions) | 4.5714% | 2,797 |
| Cash dividends to net income (ytd only)* | 45.9873% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,436 |
| Loan loss allowance to noncurrent loans | 69.8401% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6069% | 3,543 |
| Noncurrent loans to loans | 1.7063% | 3,602 |
| Net loans and leases to total assets | 67.8039% | 2,441 |
| Net loans and leases to deposits | 85.8718% | 1,683 |
| Net loans and leases to core deposits | 90.5368% | 2,046 |
| Total domestic deposits to total assets | 78.9594% | 6,003 |
| Equity capital to assets | 12.6136% | 1,736 |
| Core capital (leverage) ratio | 10.7391% | 2,487 |
| Tier 1 risk-based capital ratio | 14.9628% | 3,661 |
| Total risk-based capital ratio | 16.1247% | 3,688 |
| Memoranda: | ||
| Average total assets | $622,679,200 | 1,045 |
| Average earning assets | $578,525,400 | 1,021 |
| Average equity | $76,138,800 | 880 |
| Average total loans | $416,967,800 | 1,009 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 4,217 |
| Cost of funding earning assets | 0.9221% | 4,258 |
| Net interest margin | 3.8296% | 3,721 |
| Noninterest income to average assets | 0.5599% | 3,451 |
| Noninterest expense to average assets | 2.3077% | 6,010 |
| Loan and lease loss provision to assets | 0.2344% | 3,668 |
| Net operating income to assets | 1.1654% | 1,762 |
| Return on assets (ROA) | 1.2893% | 1,502 |
| Pretax return on assets | 1.7511% | 1,040 |
| Return on Equity (ROE) | 10.6356% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.7594% | 2,699 |
| Net charge-offs to loans | 0.4413% | 2,960 |
| Credit loss provision to net charge-offs | 79.8663% | 4,146 |
| Earnings coverage of net charge-offs (x) | 6.1947% | 2,600 |
| Efficiency ratio | 55.5808% | 6,331 |
| Assets per employee ($millions) | 4.9057% | 2,312 |
| Cash dividends to net income (ytd only)* | 45.8482% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,564 |
| Loan loss allowance to noncurrent loans | 83.4244% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 3,958 |
| Noncurrent loans to loans | 1.4084% | 4,181 |
| Net loans and leases to total assets | 66.4088% | 2,799 |
| Net loans and leases to deposits | 85.1396% | 1,812 |
| Net loans and leases to core deposits | 87.2369% | 2,596 |
| Total domestic deposits to total assets | 77.9999% | 6,196 |
| Equity capital to assets | 12.2205% | 2,077 |
| Core capital (leverage) ratio | 10.3311% | 3,060 |
| Tier 1 risk-based capital ratio | 14.8420% | 3,758 |
| Total risk-based capital ratio | 15.9861% | 3,789 |
| Memoranda: | ||
| Average total assets | $611,492,000 | 1,071 |
| Average earning assets | $569,380,500 | 1,048 |
| Average equity | $74,126,750 | 919 |
| Average total loans | $406,709,750 | 1,046 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 5,061 |
| Cost of funding earning assets | 0.9220% | 4,506 |
| Net interest margin | 3.6556% | 4,493 |
| Noninterest income to average assets | 0.6668% | 2,732 |
| Noninterest expense to average assets | 2.2413% | 6,270 |
| Loan and lease loss provision to assets | 0.2205% | 3,712 |
| Net operating income to assets | 1.1991% | 1,573 |
| Return on assets (ROA) | 1.2553% | 1,498 |
| Pretax return on assets | 1.7047% | 1,051 |
| Return on Equity (ROE) | 10.3876% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,710 |
| Net charge-offs to loans | 0.5115% | 2,566 |
| Credit loss provision to net charge-offs | 65.0651% | 4,201 |
| Earnings coverage of net charge-offs (x) | 5.4575% | 2,611 |
| Efficiency ratio | 54.5688% | 6,565 |
| Assets per employee ($millions) | 4.9398% | 2,217 |
| Cash dividends to net income (ytd only)* | 47.4466% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,816 |
| Loan loss allowance to noncurrent loans | 59.6287% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 3,935 |
| Noncurrent loans to loans | 1.9006% | 3,608 |
| Net loans and leases to total assets | 65.5032% | 3,134 |
| Net loans and leases to deposits | 85.1072% | 1,929 |
| Net loans and leases to core deposits | 88.1055% | 2,633 |
| Total domestic deposits to total assets | 76.9655% | 6,454 |
| Equity capital to assets | 11.4698% | 2,530 |
| Core capital (leverage) ratio | 11.7355% | 1,758 |
| Tier 1 risk-based capital ratio | 14.2732% | 3,960 |
| Total risk-based capital ratio | 15.3972% | 4,035 |
| Memoranda: | ||
| Average total assets | $589,658,330 | 1,128 |
| Average earning assets | $552,255,670 | 1,095 |
| Average equity | $71,258,330 | 955 |
| Average total loans | $390,637,000 | 1,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 4,173 |
| Cost of funding earning assets | 0.9869% | 4,290 |
| Net interest margin | 3.7891% | 3,666 |
| Noninterest income to average assets | 0.7367% | 2,339 |
| Noninterest expense to average assets | 2.3793% | 5,954 |
| Loan and lease loss provision to assets | 0.1649% | 3,983 |
| Net operating income to assets | 1.3004% | 1,264 |
| Return on assets (ROA) | 1.4164% | 1,072 |
| Pretax return on assets | 1.9334% | 630 |
| Return on Equity (ROE) | 11.3411% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.5347% | 2,356 |
| Net charge-offs to loans | 0.0634% | 4,296 |
| Credit loss provision to net charge-offs | 392.8571% | 850 |
| Earnings coverage of net charge-offs (x) | 46.2143% | 610 |
| Efficiency ratio | 54.8673% | 6,615 |
| Assets per employee ($millions) | 4.6553% | 2,650 |
| Cash dividends to net income (ytd only)* | 42.3810% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,527 |
| Loan loss allowance to noncurrent loans | 78.2456% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 3,893 |
| Noncurrent loans to loans | 2.1093% | 3,433 |
| Net loans and leases to total assets | 64.9023% | 3,261 |
| Net loans and leases to deposits | 86.7194% | 1,616 |
| Net loans and leases to core deposits | 92.9304% | 2,016 |
| Total domestic deposits to total assets | 74.8418% | 6,815 |
| Equity capital to assets | 12.6544% | 1,548 |
| Core capital (leverage) ratio | 12.4570% | 1,342 |
| Tier 1 risk-based capital ratio | 18.4662% | 1,970 |
| Total risk-based capital ratio | 19.7474% | 1,913 |
| Memoranda: | ||
| Average total assets | $533,763,500 | 1,261 |
| Average earning assets | $504,610,500 | 1,215 |
| Average equity | $66,660,000 | 1,007 |
| Average total loans | $353,586,500 | 1,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 4,165 |
| Cost of funding earning assets | 1.1932% | 4,604 |
| Net interest margin | 3.8920% | 3,530 |
| Noninterest income to average assets | 0.6796% | 2,965 |
| Noninterest expense to average assets | 2.3305% | 6,270 |
| Loan and lease loss provision to assets | 0.1871% | 5,362 |
| Net operating income to assets | 1.3456% | 1,064 |
| Return on assets (ROA) | 1.3977% | 1,027 |
| Pretax return on assets | 1.9086% | 597 |
| Return on Equity (ROE) | 11.5010% | 1,452 |
| Retained earnings to average equity (ytd only) | 6.6971% | 1,451 |
| Net charge-offs to loans | 0.2337% | 4,883 |
| Credit loss provision to net charge-offs | 119.4743% | 3,543 |
| Earnings coverage of net charge-offs (x) | 12.9283% | 1,457 |
| Efficiency ratio | 53.2927% | 6,864 |
| Assets per employee ($millions) | 4.6680% | 2,596 |
| Cash dividends to net income (ytd only)* | 41.7693% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,685 |
| Loan loss allowance to noncurrent loans | 137.6808% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 5,222 |
| Noncurrent loans to loans | 1.1427% | 4,824 |
| Net loans and leases to total assets | 65.4476% | 3,568 |
| Net loans and leases to deposits | 89.1246% | 1,629 |
| Net loans and leases to core deposits | 95.4191% | 2,076 |
| Total domestic deposits to total assets | 73.4338% | 6,956 |
| Equity capital to assets | 12.3249% | 1,728 |
| Core capital (leverage) ratio | 12.1363% | 1,463 |
| Tier 1 risk-based capital ratio | 17.9417% | 2,015 |
| Total risk-based capital ratio | 19.2346% | 1,965 |
| Memoranda: | ||
| Average total assets | $534,574,800 | 1,256 |
| Average earning assets | $504,782,000 | 1,218 |
| Average equity | $64,968,000 | 1,031 |
| Average total loans | $358,150,000 | 1,254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 4,160 |
| Cost of funding earning assets | 1.2346% | 4,657 |
| Net interest margin | 3.8981% | 3,535 |
| Noninterest income to average assets | 0.6684% | 3,021 |
| Noninterest expense to average assets | 2.3252% | 6,248 |
| Loan and lease loss provision to assets | 0.1823% | 5,221 |
| Net operating income to assets | 1.3286% | 1,289 |
| Return on assets (ROA) | 1.3969% | 1,182 |
| Pretax return on assets | 1.9347% | 721 |
| Return on Equity (ROE) | 11.5353% | 1,638 |
| Retained earnings to average equity (ytd only) | 6.7563% | 1,966 |
| Net charge-offs to loans | 0.2492% | 4,441 |
| Credit loss provision to net charge-offs | 108.9552% | 3,907 |
| Earnings coverage of net charge-offs (x) | 12.0881% | 1,724 |
| Efficiency ratio | 53.2621% | 6,861 |
| Assets per employee ($millions) | 4.5667% | 2,799 |
| Cash dividends to net income (ytd only)* | 41.4299% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,785 |
| Loan loss allowance to noncurrent loans | 150.9997% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 5,450 |
| Noncurrent loans to loans | 1.0185% | 5,198 |
| Net loans and leases to total assets | 66.0581% | 3,678 |
| Net loans and leases to deposits | 88.5066% | 1,940 |
| Net loans and leases to core deposits | 92.4643% | 2,734 |
| Total domestic deposits to total assets | 74.6363% | 6,836 |
| Equity capital to assets | 12.5423% | 1,833 |
| Core capital (leverage) ratio | 11.9316% | 1,707 |
| Tier 1 risk-based capital ratio | 17.6980% | 2,114 |
| Total risk-based capital ratio | 18.9892% | 2,062 |
| Memoranda: | ||
| Average total assets | $534,012,250 | 1,271 |
| Average earning assets | $504,000,000 | 1,230 |
| Average equity | $64,669,250 | 1,034 |
| Average total loans | $358,448,750 | 1,262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 4,151 |
| Cost of funding earning assets | 1.2644% | 4,749 |
| Net interest margin | 3.8939% | 3,476 |
| Noninterest income to average assets | 0.6724% | 2,872 |
| Noninterest expense to average assets | 2.3303% | 6,275 |
| Loan and lease loss provision to assets | 0.1798% | 5,072 |
| Net operating income to assets | 1.3224% | 1,253 |
| Return on assets (ROA) | 1.3815% | 1,192 |
| Pretax return on assets | 1.9232% | 707 |
| Return on Equity (ROE) | 11.5453% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.7086% | 1,970 |
| Net charge-offs to loans | 0.2857% | 3,908 |
| Credit loss provision to net charge-offs | 93.7500% | 4,302 |
| Earnings coverage of net charge-offs (x) | 10.5371% | 1,877 |
| Efficiency ratio | 53.3316% | 6,953 |
| Assets per employee ($millions) | 4.7513% | 2,503 |
| Cash dividends to net income (ytd only)* | 41.8926% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,763 |
| Loan loss allowance to noncurrent loans | 144.4444% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7568% | 5,611 |
| Noncurrent loans to loans | 1.0600% | 5,196 |
| Net loans and leases to total assets | 63.8027% | 4,301 |
| Net loans and leases to deposits | 85.4692% | 2,608 |
| Net loans and leases to core deposits | 91.7844% | 3,017 |
| Total domestic deposits to total assets | 74.6499% | 6,891 |
| Equity capital to assets | 11.9585% | 2,120 |
| Core capital (leverage) ratio | 11.8006% | 1,756 |
| Tier 1 risk-based capital ratio | 17.4543% | 2,114 |
| Total risk-based capital ratio | 18.7544% | 2,064 |
| Memoranda: | ||
| Average total assets | $533,915,000 | 1,278 |
| Average earning assets | $504,429,000 | 1,239 |
| Average equity | $63,887,670 | 1,046 |
| Average total loans | $358,443,670 | 1,277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 3,369 |
| Cost of funding earning assets | 1.3214% | 4,679 |
| Net interest margin | 4.0133% | 2,817 |
| Noninterest income to average assets | 0.6398% | 2,996 |
| Noninterest expense to average assets | 2.3477% | 6,258 |
| Loan and lease loss provision to assets | 0.2502% | 4,042 |
| Net operating income to assets | 1.3072% | 1,283 |
| Return on assets (ROA) | 1.3918% | 1,169 |
| Pretax return on assets | 1.9444% | 673 |
| Return on Equity (ROE) | 11.6275% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.7447% | 2,242 |
| Net charge-offs to loans | 0.4669% | 2,646 |
| Credit loss provision to net charge-offs | 78.3848% | 3,921 |
| Earnings coverage of net charge-offs (x) | 6.5083% | 2,211 |
| Efficiency ratio | 52.8354% | 7,067 |
| Assets per employee ($millions) | 4.4597% | 3,020 |
| Cash dividends to net income (ytd only)* | 41.9935% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 3,915 |
| Loan loss allowance to noncurrent loans | 134.2178% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 5,488 |
| Noncurrent loans to loans | 1.1169% | 5,128 |
| Net loans and leases to total assets | 66.9528% | 3,644 |
| Net loans and leases to deposits | 89.9389% | 1,912 |
| Net loans and leases to core deposits | 96.1710% | 2,564 |
| Total domestic deposits to total assets | 74.4426% | 6,985 |
| Equity capital to assets | 12.1142% | 1,977 |
| Core capital (leverage) ratio | 11.7797% | 1,763 |
| Tier 1 risk-based capital ratio | 17.0957% | 2,236 |
| Total risk-based capital ratio | 18.4002% | 2,171 |
| Memoranda: | ||
| Average total assets | $527,670,000 | 1,322 |
| Average earning assets | $497,645,500 | 1,289 |
| Average equity | $63,160,500 | 1,059 |
| Average total loans | $360,644,500 | 1,310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5284% | 3,997 |
| Cost of funding earning assets | 1.5926% | 5,053 |
| Net interest margin | 3.9357% | 3,140 |
| Noninterest income to average assets | 0.8726% | 2,066 |
| Noninterest expense to average assets | 2.5030% | 6,118 |
| Loan and lease loss provision to assets | 0.3282% | 4,847 |
| Net operating income to assets | 1.3260% | 983 |
| Return on assets (ROA) | 1.4131% | 883 |
| Pretax return on assets | 1.8757% | 544 |
| Return on Equity (ROE) | 12.0585% | 1,147 |
| Retained earnings to average equity (ytd only) | 7.0639% | 944 |
| Net charge-offs to loans | 0.1302% | 5,895 |
| Credit loss provision to net charge-offs | 362.3656% | 882 |
| Earnings coverage of net charge-offs (x) | 23.0516% | 944 |
| Efficiency ratio | 54.3021% | 7,197 |
| Assets per employee ($millions) | 4.4839% | 2,957 |
| Cash dividends to net income (ytd only)* | 41.4197% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,731 |
| Loan loss allowance to noncurrent loans | 108.7338% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 5,067 |
| Noncurrent loans to loans | 1.3793% | 4,617 |
| Net loans and leases to total assets | 67.6888% | 3,775 |
| Net loans and leases to deposits | 91.3226% | 1,995 |
| Net loans and leases to core deposits | 110.0145% | 2,894 |
| Total domestic deposits to total assets | 74.1205% | 6,999 |
| Equity capital to assets | 11.8260% | 2,121 |
| Core capital (leverage) ratio | 11.5322% | 1,901 |
| Tier 1 risk-based capital ratio | 16.5513% | 2,295 |
| Total risk-based capital ratio | 17.8457% | 2,227 |
| Memoranda: | ||
| Average total assets | $513,414,000 | 1,342 |
| Average earning assets | $485,041,600 | 1,299 |
| Average equity | $60,165,000 | 1,102 |
| Average total loans | $357,018,200 | 1,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 4,055 |
| Cost of funding earning assets | 1.6152% | 5,333 |
| Net interest margin | 3.9523% | 3,025 |
| Noninterest income to average assets | 0.7513% | 2,702 |
| Noninterest expense to average assets | 2.4774% | 6,153 |
| Loan and lease loss provision to assets | 0.1531% | 5,825 |
| Net operating income to assets | 1.3172% | 1,183 |
| Return on assets (ROA) | 1.4150% | 1,058 |
| Pretax return on assets | 1.9923% | 549 |
| Return on Equity (ROE) | 12.1033% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.1160% | 1,458 |
| Net charge-offs to loans | 0.0582% | 6,122 |
| Credit loss provision to net charge-offs | 377.4194% | 1,067 |
| Earnings coverage of net charge-offs (x) | 49.4971% | 646 |
| Efficiency ratio | 55.0090% | 7,115 |
| Assets per employee ($millions) | 4.2859% | 3,228 |
| Cash dividends to net income (ytd only)* | 41.2058% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,528 |
| Loan loss allowance to noncurrent loans | 146.7737% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 5,678 |
| Noncurrent loans to loans | 0.8835% | 5,523 |
| Net loans and leases to total assets | 69.0142% | 3,707 |
| Net loans and leases to deposits | 92.5880% | 2,136 |
| Net loans and leases to core deposits | 106.3317% | 3,665 |
| Total domestic deposits to total assets | 74.5390% | 6,857 |
| Equity capital to assets | 12.0660% | 2,208 |
| Core capital (leverage) ratio | 11.7329% | 1,946 |
| Tier 1 risk-based capital ratio | 16.4829% | 2,437 |
| Total risk-based capital ratio | 17.7809% | 2,369 |
| Memoranda: | ||
| Average total assets | $509,493,000 | 1,371 |
| Average earning assets | $481,332,500 | 1,330 |
| Average equity | $59,563,500 | 1,131 |
| Average total loans | $355,374,500 | 1,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 4,095 |
| Cost of funding earning assets | 1.6329% | 5,593 |
| Net interest margin | 3.9643% | 2,847 |
| Noninterest income to average assets | 0.8116% | 2,356 |
| Noninterest expense to average assets | 2.5380% | 5,991 |
| Loan and lease loss provision to assets | 0.1752% | 5,293 |
| Net operating income to assets | 1.3009% | 1,227 |
| Return on assets (ROA) | 1.4228% | 1,039 |
| Pretax return on assets | 2.0138% | 544 |
| Return on Equity (ROE) | 12.3033% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.2567% | 1,486 |
| Net charge-offs to loans | 0.0588% | 5,675 |
| Credit loss provision to net charge-offs | 427.8846% | 1,085 |
| Earnings coverage of net charge-offs (x) | 49.2596% | 690 |
| Efficiency ratio | 55.4893% | 7,167 |
| Assets per employee ($millions) | 4.1980% | 3,302 |
| Cash dividends to net income (ytd only)* | 41.0185% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,480 |
| Loan loss allowance to noncurrent loans | 254.1111% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 6,153 |
| Noncurrent loans to loans | 0.4990% | 6,275 |
| Net loans and leases to total assets | 70.1153% | 3,679 |
| Net loans and leases to deposits | 95.1193% | 1,932 |
| Net loans and leases to core deposits | 108.5189% | 3,552 |
| Total domestic deposits to total assets | 73.7130% | 6,996 |
| Equity capital to assets | 11.7588% | 2,348 |
| Core capital (leverage) ratio | 11.6234% | 2,028 |
| Tier 1 risk-based capital ratio | 16.2082% | 2,546 |
| Total risk-based capital ratio | 17.5089% | 2,474 |
| Memoranda: | ||
| Average total assets | $507,886,330 | 1,393 |
| Average earning assets | $479,631,000 | 1,348 |
| Average equity | $58,732,330 | 1,152 |
| Average total loans | $353,962,000 | 1,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 4,523 |
| Cost of funding earning assets | 1.6745% | 5,722 |
| Net interest margin | 3.8958% | 3,056 |
| Noninterest income to average assets | 0.8349% | 2,154 |
| Noninterest expense to average assets | 2.4992% | 5,844 |
| Loan and lease loss provision to assets | 0.1772% | 4,688 |
| Net operating income to assets | 1.2958% | 1,393 |
| Return on assets (ROA) | 1.4414% | 1,137 |
| Pretax return on assets | 2.0479% | 606 |
| Return on Equity (ROE) | 12.5701% | 1,492 |
| Retained earnings to average equity (ytd only) | 7.4802% | 2,033 |
| Net charge-offs to loans | 0.0513% | 4,754 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 56.9111% | 673 |
| Efficiency ratio | 55.1099% | 7,092 |
| Assets per employee ($millions) | 4.2271% | 3,213 |
| Cash dividends to net income (ytd only)* | 40.4918% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 4,379 |
| Loan loss allowance to noncurrent loans | 260.8156% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 6,044 |
| Noncurrent loans to loans | 0.4813% | 6,222 |
| Net loans and leases to total assets | 67.8751% | 4,167 |
| Net loans and leases to deposits | 93.7001% | 2,318 |
| Net loans and leases to core deposits | 106.8334% | 3,815 |
| Total domestic deposits to total assets | 72.4387% | 7,145 |
| Equity capital to assets | 11.5403% | 2,564 |
| Core capital (leverage) ratio | 11.3059% | 2,274 |
| Tier 1 risk-based capital ratio | 16.2523% | 2,594 |
| Total risk-based capital ratio | 17.5509% | 2,526 |
| Memoranda: | ||
| Average total assets | $507,848,500 | 1,398 |
| Average earning assets | $479,897,000 | 1,351 |
| Average equity | $58,233,500 | 1,165 |
| Average total loans | $350,576,500 | 1,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0780% | 5,151 |
| Cost of funding earning assets | 2.0990% | 6,058 |
| Net interest margin | 3.9790% | 3,220 |
| Noninterest income to average assets | 0.7273% | 2,929 |
| Noninterest expense to average assets | 2.3501% | 6,568 |
| Loan and lease loss provision to assets | 0.1494% | 5,445 |
| Net operating income to assets | 1.3780% | 1,283 |
| Return on assets (ROA) | 1.3842% | 1,219 |
| Pretax return on assets | 1.9718% | 656 |
| Return on Equity (ROE) | 12.2881% | 1,522 |
| Retained earnings to average equity (ytd only) | 7.2538% | 1,069 |
| Net charge-offs to loans | 0.1730% | 4,470 |
| Credit loss provision to net charge-offs | 126.0720% | 4,236 |
| Earnings coverage of net charge-offs (x) | 17.8250% | 1,744 |
| Efficiency ratio | 52.4278% | 7,443 |
| Assets per employee ($millions) | 4.1670% | 3,174 |
| Cash dividends to net income (ytd only)* | 40.9692% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 4,450 |
| Loan loss allowance to noncurrent loans | 202.8270% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,543 |
| Noncurrent loans to loans | 0.5970% | 5,583 |
| Net loans and leases to total assets | 68.4902% | 4,372 |
| Net loans and leases to deposits | 95.9664% | 2,457 |
| Net loans and leases to core deposits | 109.7155% | 3,802 |
| Total domestic deposits to total assets | 71.3690% | 7,108 |
| Equity capital to assets | 11.3920% | 2,708 |
| Core capital (leverage) ratio | 11.1963% | 2,433 |
| Tier 1 risk-based capital ratio | 15.9543% | 2,683 |
| Total risk-based capital ratio | 17.2425% | 2,613 |
| Memoranda: | ||
| Average total assets | $491,977,000 | 1,383 |
| Average earning assets | $461,829,000 | 1,349 |
| Average equity | $55,419,600 | 1,216 |
| Average total loans | $336,999,400 | 1,440 |