Home > Wisconsin Bank & Trust > Performance and Condition Ratios
Wisconsin Bank & Trust, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 1,576 |
| Cost of funding earning assets | 0.3089% | 2,800 |
| Net interest margin | 3.7445% | 1,276 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5797% | 1,884 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2039% | 1,755 |
| Return on assets (ROA) | 1.1769% | 1,805 |
| Pretax return on assets | 1.5123% | 1,416 |
| Return on Equity (ROE) | 11.6300% | 2,264 |
| Retained earnings to average equity (ytd only) | 3.0549% | 3,702 |
| Net charge-offs to loans | 0.0220% | 1,626 |
| Credit loss provision to net charge-offs | 24.2604% | 1,920 |
| Earnings coverage of net charge-offs (x) | 117.4556% | 894 |
| Efficiency ratio | 61.4354% | 2,849 |
| Assets per employee ($millions) | 18.7626% | 111 |
| Cash dividends to net income (ytd only)* | 73.7216% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,195 |
| Loan loss allowance to noncurrent loans | 86.3432% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 701 |
| Noncurrent loans to loans | 1.1941% | 589 |
| Net loans and leases to total assets | 57.0900% | 2,911 |
| Net loans and leases to deposits | 63.3954% | 3,092 |
| Net loans and leases to core deposits | 66.3706% | 3,107 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 8.7343% | 2,540 |
| Core capital (leverage) ratio | 9.2154% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1220% | 2,319 |
| Memoranda: | ||
| Average total assets | $1,267,832,200 | 808 |
| Average earning assets | $1,155,092,200 | 821 |
| Average equity | $128,351,000 | 765 |
| Average total loans | $767,855,000 | 841 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 1,523 |
| Cost of funding earning assets | 0.1943% | 3,342 |
| Net interest margin | 3.6890% | 1,167 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.6275% | 1,649 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0704% | 2,205 |
| Return on assets (ROA) | 1.0347% | 2,310 |
| Pretax return on assets | 1.3242% | 1,968 |
| Return on Equity (ROE) | 9.8400% | 2,779 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,101 |
| Net charge-offs to loans | 0.0198% | 1,439 |
| Credit loss provision to net charge-offs | 224.7788% | 931 |
| Earnings coverage of net charge-offs (x) | 116.1504% | 865 |
| Efficiency ratio | 64.1753% | 2,522 |
| Assets per employee ($millions) | 15.4348% | 187 |
| Cash dividends to net income (ytd only)* | 83.2900% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,075 |
| Loan loss allowance to noncurrent loans | 79.0030% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 576 |
| Noncurrent loans to loans | 1.3775% | 525 |
| Net loans and leases to total assets | 61.2300% | 2,382 |
| Net loans and leases to deposits | 68.5078% | 2,494 |
| Net loans and leases to core deposits | 76.9744% | 2,113 |
| Total domestic deposits to total assets | 89.3700% | 1,929 |
| Equity capital to assets | 9.3354% | 1,991 |
| Core capital (leverage) ratio | 9.2784% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4886% | 2,268 |
| Memoranda: | ||
| Average total assets | $1,237,682,750 | 836 |
| Average earning assets | $1,127,435,500 | 844 |
| Average equity | $130,121,250 | 762 |
| Average total loans | $759,604,000 | 848 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 1,642 |
| Cost of funding earning assets | 0.1140% | 4,033 |
| Net interest margin | 3.5497% | 1,181 |
| Noninterest income to average assets | 0.6609% | 1,496 |
| Noninterest expense to average assets | 2.6763% | 1,445 |
| Loan and lease loss provision to assets | -0.0134% | 4,411 |
| Net operating income to assets | 0.9703% | 2,259 |
| Return on assets (ROA) | 0.9224% | 2,447 |
| Pretax return on assets | 1.1726% | 2,160 |
| Return on Equity (ROE) | 8.4483% | 2,883 |
| Retained earnings to average equity (ytd only) | 1.7374% | 3,816 |
| Net charge-offs to loans | 0.0261% | 1,194 |
| Credit loss provision to net charge-offs | -206.1224% | 3,216 |
| Earnings coverage of net charge-offs (x) | 76.4592% | 955 |
| Efficiency ratio | 67.8061% | 2,270 |
| Assets per employee ($millions) | 15.2363% | 190 |
| Cash dividends to net income (ytd only)* | 79.4351% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,306 |
| Loan loss allowance to noncurrent loans | 71.6057% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 553 |
| Noncurrent loans to loans | 1.4858% | 498 |
| Net loans and leases to total assets | 60.1782% | 2,305 |
| Net loans and leases to deposits | 67.6175% | 2,420 |
| Net loans and leases to core deposits | 73.9227% | 2,180 |
| Total domestic deposits to total assets | 88.9979% | 2,188 |
| Equity capital to assets | 10.0254% | 1,705 |
| Core capital (leverage) ratio | 9.3435% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9185% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,228,359,000 | 836 |
| Average earning assets | $1,119,597,667 | 854 |
| Average equity | $134,110,333 | 749 |
| Average total loans | $751,650,667 | 840 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 1,768 |
| Cost of funding earning assets | 0.0691% | 4,459 |
| Net interest margin | 3.4444% | 1,196 |
| Noninterest income to average assets | 0.5810% | 1,778 |
| Noninterest expense to average assets | 2.7245% | 1,305 |
| Loan and lease loss provision to assets | -0.1212% | 4,620 |
| Net operating income to assets | 0.8886% | 2,328 |
| Return on assets (ROA) | 0.9387% | 2,106 |
| Pretax return on assets | 1.1867% | 1,849 |
| Return on Equity (ROE) | 8.2519% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.2519% | 1,502 |
| Net charge-offs to loans | 0.0423% | 860 |
| Credit loss provision to net charge-offs | -560.7595% | 3,163 |
| Earnings coverage of net charge-offs (x) | 38.6203% | 1,022 |
| Efficiency ratio | 72.1576% | 1,955 |
| Assets per employee ($millions) | 14.5905% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,557 |
| Loan loss allowance to noncurrent loans | 90.8073% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 653 |
| Noncurrent loans to loans | 1.1493% | 773 |
| Net loans and leases to total assets | 61.5659% | 1,908 |
| Net loans and leases to deposits | 70.1061% | 1,957 |
| Net loans and leases to core deposits | 73.9460% | 1,942 |
| Total domestic deposits to total assets | 87.8183% | 2,615 |
| Equity capital to assets | 11.0786% | 1,297 |
| Core capital (leverage) ratio | 9.8255% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6313% | 1,939 |
| Memoranda: | ||
| Average total assets | $1,217,850,500 | 848 |
| Average earning assets | $1,112,194,000 | 859 |
| Average equity | $138,538,000 | 750 |
| Average total loans | $747,507,500 | 835 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 1,919 |
| Cost of funding earning assets | 0.0802% | 4,528 |
| Net interest margin | 3.7005% | 1,210 |
| Noninterest income to average assets | 0.8943% | 1,218 |
| Noninterest expense to average assets | 2.5006% | 2,180 |
| Loan and lease loss provision to assets | -0.0066% | 4,151 |
| Net operating income to assets | 1.3676% | 1,386 |
| Return on assets (ROA) | 1.3998% | 1,331 |
| Pretax return on assets | 1.8065% | 903 |
| Return on Equity (ROE) | 11.9728% | 1,828 |
| Retained earnings to average equity (ytd only) | 1.5204% | 4,115 |
| Net charge-offs to loans | 0.0834% | 971 |
| Credit loss provision to net charge-offs | -16.6667% | 3,181 |
| Earnings coverage of net charge-offs (x) | 33.7670% | 1,532 |
| Efficiency ratio | 57.8080% | 3,476 |
| Assets per employee ($millions) | 14.2406% | 230 |
| Cash dividends to net income (ytd only)* | 87.3011% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,226 |
| Loan loss allowance to noncurrent loans | 93.5721% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 693 |
| Noncurrent loans to loans | 1.2084% | 794 |
| Net loans and leases to total assets | 59.8679% | 2,173 |
| Net loans and leases to deposits | 68.5127% | 2,258 |
| Net loans and leases to core deposits | 68.8545% | 2,568 |
| Total domestic deposits to total assets | 87.3823% | 2,347 |
| Equity capital to assets | 11.6693% | 1,411 |
| Core capital (leverage) ratio | 9.6590% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2746% | 2,136 |
| Memoranda: | ||
| Average total assets | $1,243,818,200 | 802 |
| Average earning assets | $1,131,199,400 | 815 |
| Average equity | $145,421,800 | 740 |
| Average total loans | $776,713,400 | 813 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 1,908 |
| Cost of funding earning assets | 0.0844% | 4,613 |
| Net interest margin | 3.7676% | 1,191 |
| Noninterest income to average assets | 0.9344% | 1,185 |
| Noninterest expense to average assets | 2.4562% | 2,254 |
| Loan and lease loss provision to assets | -0.0270% | 4,380 |
| Net operating income to assets | 1.4905% | 1,296 |
| Return on assets (ROA) | 1.5211% | 1,268 |
| Pretax return on assets | 1.9664% | 846 |
| Return on Equity (ROE) | 13.0044% | 1,688 |
| Retained earnings to average equity (ytd only) | 2.7798% | 3,975 |
| Net charge-offs to loans | 0.1119% | 684 |
| Credit loss provision to net charge-offs | -42.3369% | 3,123 |
| Earnings coverage of net charge-offs (x) | 27.0091% | 1,586 |
| Efficiency ratio | 55.5011% | 3,591 |
| Assets per employee ($millions) | 14.0692% | 239 |
| Cash dividends to net income (ytd only)* | 78.6241% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,392 |
| Loan loss allowance to noncurrent loans | 99.1898% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 1,090 |
| Noncurrent loans to loans | 1.1194% | 999 |
| Net loans and leases to total assets | 60.3800% | 2,205 |
| Net loans and leases to deposits | 69.6864% | 2,273 |
| Net loans and leases to core deposits | 70.0759% | 2,592 |
| Total domestic deposits to total assets | 86.6453% | 2,488 |
| Equity capital to assets | 12.1143% | 1,352 |
| Core capital (leverage) ratio | 9.7947% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6029% | 2,126 |
| Memoranda: | ||
| Average total assets | $1,248,600,500 | 805 |
| Average earning assets | $1,134,241,500 | 825 |
| Average equity | $146,049,000 | 743 |
| Average total loans | $785,496,500 | 826 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 2,171 |
| Cost of funding earning assets | 0.0907% | 4,633 |
| Net interest margin | 3.6701% | 1,423 |
| Noninterest income to average assets | 0.7058% | 1,788 |
| Noninterest expense to average assets | 2.4202% | 2,398 |
| Loan and lease loss provision to assets | 0.0330% | 2,320 |
| Net operating income to assets | 1.2309% | 2,080 |
| Return on assets (ROA) | 1.2374% | 2,123 |
| Pretax return on assets | 1.5913% | 1,758 |
| Return on Equity (ROE) | 10.7011% | 2,528 |
| Retained earnings to average equity (ytd only) | 0.8295% | 4,376 |
| Net charge-offs to loans | 0.1278% | 614 |
| Credit loss provision to net charge-offs | 77.9297% | 1,492 |
| Earnings coverage of net charge-offs (x) | 19.9082% | 1,534 |
| Efficiency ratio | 59.0188% | 3,149 |
| Assets per employee ($millions) | 15.0958% | 196 |
| Cash dividends to net income (ytd only)* | 92.2486% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 3,104 |
| Loan loss allowance to noncurrent loans | 82.9703% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 763 |
| Noncurrent loans to loans | 1.4077% | 829 |
| Net loans and leases to total assets | 60.9693% | 2,312 |
| Net loans and leases to deposits | 69.8840% | 2,421 |
| Net loans and leases to core deposits | 70.3183% | 2,751 |
| Total domestic deposits to total assets | 87.2436% | 2,198 |
| Equity capital to assets | 11.6098% | 1,566 |
| Core capital (leverage) ratio | 9.4260% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3904% | 2,209 |
| Memoranda: | ||
| Average total assets | $1,261,482,667 | 791 |
| Average earning assets | $1,144,709,667 | 810 |
| Average equity | $145,873,000 | 738 |
| Average total loans | $801,071,000 | 818 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 2,228 |
| Cost of funding earning assets | 0.1024% | 4,632 |
| Net interest margin | 3.6526% | 1,443 |
| Noninterest income to average assets | 0.6643% | 1,980 |
| Noninterest expense to average assets | 2.3148% | 2,741 |
| Loan and lease loss provision to assets | -0.2278% | 4,827 |
| Net operating income to assets | 1.4628% | 1,410 |
| Return on assets (ROA) | 1.4568% | 1,495 |
| Pretax return on assets | 1.8825% | 1,143 |
| Return on Equity (ROE) | 12.6235% | 1,778 |
| Retained earnings to average equity (ytd only) | 12.6235% | 993 |
| Net charge-offs to loans | 0.2017% | 404 |
| Credit loss provision to net charge-offs | -156.2044% | 2,910 |
| Earnings coverage of net charge-offs (x) | 12.7981% | 1,418 |
| Efficiency ratio | 57.2348% | 3,401 |
| Assets per employee ($millions) | 15.6050% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,868 |
| Loan loss allowance to noncurrent loans | 83.4675% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 982 |
| Noncurrent loans to loans | 1.1894% | 1,109 |
| Net loans and leases to total assets | 63.8154% | 2,069 |
| Net loans and leases to deposits | 75.5462% | 1,962 |
| Net loans and leases to core deposits | 75.9551% | 2,360 |
| Total domestic deposits to total assets | 84.4721% | 3,289 |
| Equity capital to assets | 11.6781% | 1,455 |
| Core capital (leverage) ratio | 10.0024% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2795% | 1,821 |
| Memoranda: | ||
| Average total assets | $1,265,748,500 | 785 |
| Average earning assets | $1,147,993,000 | 800 |
| Average equity | $146,077,000 | 727 |
| Average total loans | $815,135,000 | 802 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 2,304 |
| Cost of funding earning assets | 0.2563% | 4,355 |
| Net interest margin | 3.8867% | 1,252 |
| Noninterest income to average assets | 0.7487% | 1,696 |
| Noninterest expense to average assets | 2.5531% | 2,689 |
| Loan and lease loss provision to assets | 0.5451% | 406 |
| Net operating income to assets | 0.8995% | 2,699 |
| Return on assets (ROA) | 0.9332% | 2,696 |
| Pretax return on assets | 1.1960% | 2,337 |
| Return on Equity (ROE) | 7.9253% | 2,849 |
| Retained earnings to average equity (ytd only) | 1.8106% | 3,904 |
| Net charge-offs to loans | 0.6840% | 221 |
| Credit loss provision to net charge-offs | 118.0268% | 2,653 |
| Earnings coverage of net charge-offs (x) | 3.6771% | 3,061 |
| Efficiency ratio | 58.8540% | 3,604 |
| Assets per employee ($millions) | 14.7382% | 188 |
| Cash dividends to net income (ytd only)* | 77.1535% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,359 |
| Loan loss allowance to noncurrent loans | 77.7627% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 1,051 |
| Noncurrent loans to loans | 1.4414% | 935 |
| Net loans and leases to total assets | 63.6225% | 2,413 |
| Net loans and leases to deposits | 76.2655% | 2,258 |
| Net loans and leases to core deposits | 76.7336% | 2,656 |
| Total domestic deposits to total assets | 83.4224% | 3,289 |
| Equity capital to assets | 11.4038% | 1,957 |
| Core capital (leverage) ratio | 9.6670% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3504% | 2,106 |
| Memoranda: | ||
| Average total assets | $1,180,585,200 | 761 |
| Average earning assets | $1,063,970,200 | 775 |
| Average equity | $139,011,000 | 725 |
| Average total loans | $797,165,000 | 787 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,424 |
| Cost of funding earning assets | 0.2960% | 4,332 |
| Net interest margin | 3.8936% | 1,366 |
| Noninterest income to average assets | 0.7551% | 1,634 |
| Noninterest expense to average assets | 2.6277% | 2,456 |
| Loan and lease loss provision to assets | 0.6859% | 317 |
| Net operating income to assets | 0.7419% | 3,310 |
| Return on assets (ROA) | 0.7612% | 3,356 |
| Pretax return on assets | 0.9712% | 3,157 |
| Return on Equity (ROE) | 6.4094% | 3,405 |
| Retained earnings to average equity (ytd only) | 1.0811% | 4,230 |
| Net charge-offs to loans | 0.9214% | 146 |
| Credit loss provision to net charge-offs | 108.8735% | 2,561 |
| Earnings coverage of net charge-offs (x) | 2.5910% | 2,979 |
| Efficiency ratio | 60.4429% | 3,321 |
| Assets per employee ($millions) | 13.7181% | 217 |
| Cash dividends to net income (ytd only)* | 83.1318% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,582 |
| Loan loss allowance to noncurrent loans | 68.6250% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 1,079 |
| Noncurrent loans to loans | 1.4952% | 958 |
| Net loans and leases to total assets | 66.0637% | 2,512 |
| Net loans and leases to deposits | 82.4011% | 2,061 |
| Net loans and leases to core deposits | 82.9520% | 2,588 |
| Total domestic deposits to total assets | 80.1734% | 3,826 |
| Equity capital to assets | 11.2516% | 2,189 |
| Core capital (leverage) ratio | 9.5724% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1171% | 2,146 |
| Memoranda: | ||
| Average total assets | $1,158,859,500 | 763 |
| Average earning assets | $1,043,285,750 | 772 |
| Average equity | $137,628,250 | 721 |
| Average total loans | $792,569,000 | 787 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,472 |
| Cost of funding earning assets | 0.3714% | 4,166 |
| Net interest margin | 3.9280% | 1,507 |
| Noninterest income to average assets | 0.7977% | 1,442 |
| Noninterest expense to average assets | 2.7798% | 2,136 |
| Loan and lease loss provision to assets | 1.0016% | 206 |
| Net operating income to assets | 0.4355% | 4,155 |
| Return on assets (ROA) | 0.4623% | 4,170 |
| Pretax return on assets | 0.5711% | 4,118 |
| Return on Equity (ROE) | 3.8173% | 4,158 |
| Retained earnings to average equity (ytd only) | -4.2609% | 4,741 |
| Net charge-offs to loans | 0.1000% | 1,273 |
| Credit loss provision to net charge-offs | 1,451.2887% | 612 |
| Earnings coverage of net charge-offs (x) | 22.3093% | 1,633 |
| Efficiency ratio | 63.0924% | 2,942 |
| Assets per employee ($millions) | 12.4032% | 291 |
| Cash dividends to net income (ytd only)* | 211.6199% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,005 |
| Loan loss allowance to noncurrent loans | 76.9907% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 649 |
| Noncurrent loans to loans | 2.0806% | 625 |
| Net loans and leases to total assets | 68.4200% | 2,279 |
| Net loans and leases to deposits | 78.3396% | 2,617 |
| Net loans and leases to core deposits | 78.9824% | 3,027 |
| Total domestic deposits to total assets | 87.3376% | 1,482 |
| Equity capital to assets | 11.3198% | 2,112 |
| Core capital (leverage) ratio | 9.2996% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7579% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,124,456,333 | 773 |
| Average earning assets | $1,008,134,667 | 779 |
| Average equity | $136,170,000 | 724 |
| Average total loans | $775,954,000 | 790 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 2,437 |
| Cost of funding earning assets | 0.5328% | 3,777 |
| Net interest margin | 3.9203% | 1,605 |
| Noninterest income to average assets | 0.9171% | 1,037 |
| Noninterest expense to average assets | 2.9943% | 1,899 |
| Loan and lease loss provision to assets | 0.1865% | 1,604 |
| Net operating income to assets | 0.9563% | 2,329 |
| Return on assets (ROA) | 0.9732% | 2,376 |
| Pretax return on assets | 1.2563% | 2,013 |
| Return on Equity (ROE) | 7.7556% | 2,614 |
| Retained earnings to average equity (ytd only) | -8.4018% | 4,712 |
| Net charge-offs to loans | 0.2264% | 624 |
| Credit loss provision to net charge-offs | 119.9052% | 1,709 |
| Earnings coverage of net charge-offs (x) | 9.1374% | 1,833 |
| Efficiency ratio | 66.5081% | 2,885 |
| Assets per employee ($millions) | 11.0161% | 306 |
| Cash dividends to net income (ytd only)* | 208.3333% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,113 |
| Loan loss allowance to noncurrent loans | 49.9576% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5838% | 653 |
| Noncurrent loans to loans | 2.2328% | 589 |
| Net loans and leases to total assets | 67.6792% | 2,588 |
| Net loans and leases to deposits | 79.4042% | 2,741 |
| Net loans and leases to core deposits | 80.1502% | 3,181 |
| Total domestic deposits to total assets | 85.2337% | 2,316 |
| Equity capital to assets | 12.3181% | 1,851 |
| Core capital (leverage) ratio | 10.2268% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9512% | 2,309 |
| Memoranda: | ||
| Average total assets | $1,085,130,500 | 769 |
| Average earning assets | $968,398,500 | 780 |
| Average equity | $136,160,500 | 717 |
| Average total loans | $745,647,500 | 798 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 1,816 |
| Cost of funding earning assets | 0.8069% | 2,649 |
| Net interest margin | 4.0707% | 1,619 |
| Noninterest income to average assets | 1.2166% | 636 |
| Noninterest expense to average assets | 3.0879% | 1,788 |
| Loan and lease loss provision to assets | 0.1037% | 1,989 |
| Net operating income to assets | 1.2641% | 1,825 |
| Return on assets (ROA) | 1.2730% | 1,870 |
| Pretax return on assets | 1.6505% | 1,338 |
| Return on Equity (ROE) | 9.7378% | 2,422 |
| Retained earnings to average equity (ytd only) | 0.7353% | 4,480 |
| Net charge-offs to loans | 0.1096% | 1,636 |
| Credit loss provision to net charge-offs | 133.6165% | 1,912 |
| Earnings coverage of net charge-offs (x) | 22.4672% | 1,851 |
| Efficiency ratio | 61.9485% | 3,392 |
| Assets per employee ($millions) | 10.3874% | 330 |
| Cash dividends to net income (ytd only)* | 92.4488% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,601 |
| Loan loss allowance to noncurrent loans | 38.3688% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.8162% | 477 |
| Noncurrent loans to loans | 2.5585% | 414 |
| Net loans and leases to total assets | 68.3074% | 2,640 |
| Net loans and leases to deposits | 79.1635% | 2,889 |
| Net loans and leases to core deposits | 80.3634% | 3,267 |
| Total domestic deposits to total assets | 86.2865% | 1,940 |
| Equity capital to assets | 12.7753% | 1,660 |
| Core capital (leverage) ratio | 10.7619% | 2,708 |
| Tier 1 risk-based capital ratio | 13.2395% | 3,657 |
| Total risk-based capital ratio | 14.1326% | 3,733 |
| Memoranda: | ||
| Average total assets | $1,062,176,400 | 742 |
| Average earning assets | $943,091,800 | 756 |
| Average equity | $138,850,000 | 670 |
| Average total loans | $751,571,400 | 761 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 1,660 |
| Cost of funding earning assets | 0.8519% | 2,458 |
| Net interest margin | 4.1051% | 1,597 |
| Noninterest income to average assets | 1.3503% | 512 |
| Noninterest expense to average assets | 3.1131% | 1,687 |
| Loan and lease loss provision to assets | 0.1791% | 1,024 |
| Net operating income to assets | 1.3047% | 1,839 |
| Return on assets (ROA) | 1.3166% | 1,862 |
| Pretax return on assets | 1.7158% | 1,296 |
| Return on Equity (ROE) | 10.0126% | 2,421 |
| Retained earnings to average equity (ytd only) | 0.4017% | 4,688 |
| Net charge-offs to loans | 0.1008% | 1,465 |
| Credit loss provision to net charge-offs | 249.4718% | 1,101 |
| Earnings coverage of net charge-offs (x) | 26.1885% | 1,751 |
| Efficiency ratio | 60.2167% | 3,601 |
| Assets per employee ($millions) | 8.6724% | 536 |
| Cash dividends to net income (ytd only)* | 95.9877% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,266 |
| Loan loss allowance to noncurrent loans | 65.2563% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 987 |
| Noncurrent loans to loans | 1.6147% | 914 |
| Net loans and leases to total assets | 72.4094% | 2,108 |
| Net loans and leases to deposits | 84.8969% | 2,331 |
| Net loans and leases to core deposits | 87.8678% | 2,748 |
| Total domestic deposits to total assets | 85.2910% | 2,304 |
| Equity capital to assets | 13.4968% | 1,364 |
| Core capital (leverage) ratio | 10.8493% | 2,788 |
| Tier 1 risk-based capital ratio | 13.4380% | 3,604 |
| Total risk-based capital ratio | 14.4237% | 3,661 |
| Memoranda: | ||
| Average total assets | $1,055,050,750 | 749 |
| Average earning assets | $936,187,000 | 767 |
| Average equity | $138,728,250 | 666 |
| Average total loans | $751,364,000 | 760 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 1,612 |
| Cost of funding earning assets | 0.8244% | 2,527 |
| Net interest margin | 4.1265% | 1,533 |
| Noninterest income to average assets | 1.5724% | 372 |
| Noninterest expense to average assets | 3.1611% | 1,588 |
| Loan and lease loss provision to assets | 0.3086% | 441 |
| Net operating income to assets | 1.3530% | 1,564 |
| Return on assets (ROA) | 1.3591% | 1,608 |
| Pretax return on assets | 1.7730% | 1,103 |
| Return on Equity (ROE) | 10.4258% | 2,208 |
| Retained earnings to average equity (ytd only) | 1.7641% | 4,186 |
| Net charge-offs to loans | 0.0901% | 1,465 |
| Credit loss provision to net charge-offs | 485.2071% | 617 |
| Earnings coverage of net charge-offs (x) | 32.6036% | 1,402 |
| Efficiency ratio | 57.9610% | 4,021 |
| Assets per employee ($millions) | 8.4070% | 581 |
| Cash dividends to net income (ytd only)* | 83.0795% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,039 |
| Loan loss allowance to noncurrent loans | 70.6747% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 1,082 |
| Noncurrent loans to loans | 1.5650% | 977 |
| Net loans and leases to total assets | 72.1385% | 2,200 |
| Net loans and leases to deposits | 84.3049% | 2,458 |
| Net loans and leases to core deposits | 88.5763% | 2,741 |
| Total domestic deposits to total assets | 85.5685% | 2,234 |
| Equity capital to assets | 13.3706% | 1,393 |
| Core capital (leverage) ratio | 10.9896% | 2,608 |
| Tier 1 risk-based capital ratio | 13.5465% | 3,554 |
| Total risk-based capital ratio | 14.5910% | 3,562 |
| Memoranda: | ||
| Average total assets | $1,062,729,000 | 744 |
| Average earning assets | $943,277,330 | 761 |
| Average equity | $138,541,330 | 663 |
| Average total loans | $750,073,670 | 761 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 1,363 |
| Cost of funding earning assets | 0.7599% | 2,736 |
| Net interest margin | 4.2268% | 1,245 |
| Noninterest income to average assets | 2.2855% | 204 |
| Noninterest expense to average assets | 3.3838% | 1,139 |
| Loan and lease loss provision to assets | 0.3706% | 313 |
| Net operating income to assets | 1.7343% | 687 |
| Return on assets (ROA) | 1.7549% | 666 |
| Pretax return on assets | 2.3067% | 357 |
| Return on Equity (ROE) | 13.6316% | 1,044 |
| Retained earnings to average equity (ytd only) | 13.6316% | 384 |
| Net charge-offs to loans | 0.1176% | 1,036 |
| Credit loss provision to net charge-offs | 453.8813% | 645 |
| Earnings coverage of net charge-offs (x) | 32.4703% | 1,282 |
| Efficiency ratio | 52.9499% | 4,622 |
| Assets per employee ($millions) | 7.8129% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,381 |
| Loan loss allowance to noncurrent loans | 60.2430% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 1,014 |
| Noncurrent loans to loans | 1.7522% | 882 |
| Net loans and leases to total assets | 71.6579% | 2,217 |
| Net loans and leases to deposits | 84.7402% | 2,294 |
| Net loans and leases to core deposits | 91.0219% | 2,397 |
| Total domestic deposits to total assets | 84.5618% | 2,831 |
| Equity capital to assets | 13.6909% | 1,133 |
| Core capital (leverage) ratio | 11.0463% | 2,533 |
| Tier 1 risk-based capital ratio | 13.9863% | 3,339 |
| Total risk-based capital ratio | 14.9660% | 3,403 |
| Memoranda: | ||
| Average total assets | $1,072,862,000 | 744 |
| Average earning assets | $951,726,500 | 761 |
| Average equity | $138,120,000 | 664 |
| Average total loans | $744,896,500 | 769 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 2,049 |
| Cost of funding earning assets | 0.4663% | 3,574 |
| Net interest margin | 4.1649% | 1,490 |
| Noninterest income to average assets | 1.1853% | 657 |
| Noninterest expense to average assets | 3.3539% | 1,220 |
| Loan and lease loss provision to assets | 0.0678% | 2,785 |
| Net operating income to assets | 1.1298% | 2,476 |
| Return on assets (ROA) | 1.1378% | 2,443 |
| Pretax return on assets | 1.4637% | 1,897 |
| Return on Equity (ROE) | 9.0131% | 2,988 |
| Retained earnings to average equity (ytd only) | 1.1600% | 4,662 |
| Net charge-offs to loans | 0.0523% | 2,404 |
| Credit loss provision to net charge-offs | 193.0108% | 1,485 |
| Earnings coverage of net charge-offs (x) | 43.3172% | 1,241 |
| Efficiency ratio | 67.2993% | 2,657 |
| Assets per employee ($millions) | 7.9601% | 665 |
| Cash dividends to net income (ytd only)* | 87.1297% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,930 |
| Loan loss allowance to noncurrent loans | 74.0289% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 1,585 |
| Noncurrent loans to loans | 1.2926% | 1,225 |
| Net loans and leases to total assets | 66.0244% | 3,131 |
| Net loans and leases to deposits | 79.3029% | 3,028 |
| Net loans and leases to core deposits | 81.2792% | 3,328 |
| Total domestic deposits to total assets | 83.2560% | 3,242 |
| Equity capital to assets | 12.1180% | 1,806 |
| Core capital (leverage) ratio | 10.4744% | 3,059 |
| Tier 1 risk-based capital ratio | 13.0449% | 3,824 |
| Total risk-based capital ratio | 13.9039% | 3,929 |
| Memoranda: | ||
| Average total assets | $1,059,185,800 | 726 |
| Average earning assets | $938,408,400 | 749 |
| Average equity | $133,705,200 | 650 |
| Average total loans | $710,936,400 | 781 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,938 |
| Cost of funding earning assets | 0.4250% | 3,693 |
| Net interest margin | 4.1890% | 1,385 |
| Noninterest income to average assets | 1.2296% | 638 |
| Noninterest expense to average assets | 3.4082% | 1,106 |
| Loan and lease loss provision to assets | 0.1085% | 1,848 |
| Net operating income to assets | 1.1165% | 2,593 |
| Return on assets (ROA) | 1.1252% | 2,565 |
| Pretax return on assets | 1.4387% | 2,093 |
| Return on Equity (ROE) | 8.8193% | 3,177 |
| Retained earnings to average equity (ytd only) | 2.3213% | 4,463 |
| Net charge-offs to loans | 0.0525% | 2,074 |
| Credit loss provision to net charge-offs | 307.2202% | 1,007 |
| Earnings coverage of net charge-offs (x) | 43.4842% | 1,279 |
| Efficiency ratio | 67.4311% | 2,640 |
| Assets per employee ($millions) | 6.9613% | 949 |
| Cash dividends to net income (ytd only)* | 73.6795% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,730 |
| Loan loss allowance to noncurrent loans | 67.9289% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 1,389 |
| Noncurrent loans to loans | 1.4779% | 1,101 |
| Net loans and leases to total assets | 68.8264% | 2,817 |
| Net loans and leases to deposits | 81.1830% | 2,904 |
| Net loans and leases to core deposits | 84.9999% | 3,083 |
| Total domestic deposits to total assets | 84.7794% | 2,694 |
| Equity capital to assets | 12.7111% | 1,461 |
| Core capital (leverage) ratio | 10.6968% | 2,883 |
| Tier 1 risk-based capital ratio | 13.4445% | 3,658 |
| Total risk-based capital ratio | 14.3533% | 3,756 |
| Memoranda: | ||
| Average total assets | $1,045,377,500 | 733 |
| Average earning assets | $927,037,250 | 754 |
| Average equity | $133,370,250 | 646 |
| Average total loans | $702,946,000 | 781 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 1,879 |
| Cost of funding earning assets | 0.3838% | 3,841 |
| Net interest margin | 4.1854% | 1,320 |
| Noninterest income to average assets | 1.1483% | 733 |
| Noninterest expense to average assets | 3.4374% | 1,090 |
| Loan and lease loss provision to assets | 0.1921% | 902 |
| Net operating income to assets | 0.9628% | 3,179 |
| Return on assets (ROA) | 0.9750% | 3,125 |
| Pretax return on assets | 1.2382% | 2,777 |
| Return on Equity (ROE) | 7.6330% | 3,657 |
| Retained earnings to average equity (ytd only) | 1.6310% | 4,598 |
| Net charge-offs to loans | 0.0435% | 1,995 |
| Credit loss provision to net charge-offs | 663.5762% | 586 |
| Earnings coverage of net charge-offs (x) | 48.8808% | 1,142 |
| Efficiency ratio | 69.3028% | 2,427 |
| Assets per employee ($millions) | 6.3440% | 1,246 |
| Cash dividends to net income (ytd only)* | 78.6318% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,384 |
| Loan loss allowance to noncurrent loans | 58.6053% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 1,120 |
| Noncurrent loans to loans | 1.8433% | 844 |
| Net loans and leases to total assets | 67.4246% | 2,958 |
| Net loans and leases to deposits | 79.7704% | 2,976 |
| Net loans and leases to core deposits | 83.3451% | 3,137 |
| Total domestic deposits to total assets | 84.5234% | 2,859 |
| Equity capital to assets | 12.8305% | 1,377 |
| Core capital (leverage) ratio | 10.8614% | 2,647 |
| Tier 1 risk-based capital ratio | 13.7099% | 3,504 |
| Total risk-based capital ratio | 14.6851% | 3,572 |
| Memoranda: | ||
| Average total assets | $1,043,450,000 | 735 |
| Average earning assets | $923,399,000 | 759 |
| Average equity | $133,289,000 | 641 |
| Average total loans | $693,657,000 | 793 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 1,919 |
| Cost of funding earning assets | 0.3347% | 4,106 |
| Net interest margin | 4.1474% | 1,306 |
| Noninterest income to average assets | 1.1621% | 678 |
| Noninterest expense to average assets | 3.5373% | 936 |
| Loan and lease loss provision to assets | 0.0378% | 2,993 |
| Net operating income to assets | 0.9870% | 2,904 |
| Return on assets (ROA) | 0.9987% | 2,882 |
| Pretax return on assets | 1.2712% | 2,471 |
| Return on Equity (ROE) | 7.8356% | 3,453 |
| Retained earnings to average equity (ytd only) | 1.8474% | 4,399 |
| Net charge-offs to loans | 0.0372% | 1,778 |
| Credit loss provision to net charge-offs | 154.6875% | 1,214 |
| Earnings coverage of net charge-offs (x) | 52.9844% | 921 |
| Efficiency ratio | 71.6430% | 2,242 |
| Assets per employee ($millions) | 6.1268% | 1,417 |
| Cash dividends to net income (ytd only)* | 76.4234% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,022 |
| Loan loss allowance to noncurrent loans | 82.0420% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 1,867 |
| Noncurrent loans to loans | 1.2068% | 1,504 |
| Net loans and leases to total assets | 66.8413% | 2,917 |
| Net loans and leases to deposits | 81.3250% | 2,652 |
| Net loans and leases to core deposits | 82.5258% | 3,100 |
| Total domestic deposits to total assets | 82.1903% | 3,903 |
| Equity capital to assets | 13.0654% | 1,207 |
| Core capital (leverage) ratio | 10.6344% | 2,813 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,443 |
| Total risk-based capital ratio | 14.7702% | 3,553 |
| Memoranda: | ||
| Average total assets | $1,048,137,500 | 732 |
| Average earning assets | $927,321,000 | 756 |
| Average equity | $133,595,000 | 639 |
| Average total loans | $688,068,000 | 799 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,734 |
| Cost of funding earning assets | 0.2960% | 4,175 |
| Net interest margin | 4.1947% | 1,196 |
| Noninterest income to average assets | 1.2734% | 656 |
| Noninterest expense to average assets | 3.3258% | 1,322 |
| Loan and lease loss provision to assets | 0.0542% | 3,151 |
| Net operating income to assets | 0.9998% | 2,244 |
| Return on assets (ROA) | 1.0482% | 2,089 |
| Pretax return on assets | 1.6582% | 1,125 |
| Return on Equity (ROE) | 8.3905% | 2,609 |
| Retained earnings to average equity (ytd only) | 2.6666% | 3,721 |
| Net charge-offs to loans | 0.0489% | 2,809 |
| Credit loss provision to net charge-offs | 173.7003% | 1,560 |
| Earnings coverage of net charge-offs (x) | 52.5015% | 1,056 |
| Efficiency ratio | 65.3404% | 3,375 |
| Assets per employee ($millions) | 6.5806% | 1,160 |
| Cash dividends to net income (ytd only)* | 68.2190% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,048 |
| Loan loss allowance to noncurrent loans | 107.5370% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,555 |
| Noncurrent loans to loans | 0.9121% | 1,962 |
| Net loans and leases to total assets | 63.2645% | 3,457 |
| Net loans and leases to deposits | 76.6431% | 3,266 |
| Net loans and leases to core deposits | 77.9806% | 3,584 |
| Total domestic deposits to total assets | 82.5442% | 3,713 |
| Equity capital to assets | 12.4449% | 1,550 |
| Core capital (leverage) ratio | 10.5254% | 2,821 |
| Tier 1 risk-based capital ratio | 13.6952% | 3,526 |
| Total risk-based capital ratio | 14.5730% | 3,640 |
| Memoranda: | ||
| Average total assets | $1,048,878,000 | 706 |
| Average earning assets | $922,490,400 | 740 |
| Average equity | $131,028,400 | 630 |
| Average total loans | $669,393,400 | 780 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 1,741 |
| Cost of funding earning assets | 0.2938% | 4,188 |
| Net interest margin | 4.1722% | 1,221 |
| Noninterest income to average assets | 1.3477% | 577 |
| Noninterest expense to average assets | 3.4080% | 1,145 |
| Loan and lease loss provision to assets | 0.0305% | 3,511 |
| Net operating income to assets | 1.0865% | 2,144 |
| Return on assets (ROA) | 1.1247% | 2,037 |
| Pretax return on assets | 1.6338% | 1,302 |
| Return on Equity (ROE) | 8.9946% | 2,602 |
| Retained earnings to average equity (ytd only) | 1.3148% | 4,879 |
| Net charge-offs to loans | 0.0610% | 2,246 |
| Credit loss provision to net charge-offs | 78.2895% | 2,612 |
| Earnings coverage of net charge-offs (x) | 41.3326% | 1,267 |
| Efficiency ratio | 66.2515% | 3,167 |
| Assets per employee ($millions) | 6.2436% | 1,345 |
| Cash dividends to net income (ytd only)* | 85.3825% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,377 |
| Loan loss allowance to noncurrent loans | 137.5080% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 3,011 |
| Noncurrent loans to loans | 0.6836% | 2,658 |
| Net loans and leases to total assets | 66.0452% | 3,098 |
| Net loans and leases to deposits | 79.8124% | 2,989 |
| Net loans and leases to core deposits | 81.1921% | 3,359 |
| Total domestic deposits to total assets | 82.7505% | 3,539 |
| Equity capital to assets | 12.8352% | 1,475 |
| Core capital (leverage) ratio | 10.3732% | 3,110 |
| Tier 1 risk-based capital ratio | 13.4327% | 3,743 |
| Total risk-based capital ratio | 14.2746% | 3,902 |
| Memoranda: | ||
| Average total assets | $1,041,292,000 | 715 |
| Average earning assets | $915,743,750 | 746 |
| Average equity | $130,208,500 | 637 |
| Average total loans | $664,360,000 | 789 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,072 |
| Cost of funding earning assets | 0.2900% | 4,184 |
| Net interest margin | 4.0265% | 1,526 |
| Noninterest income to average assets | 1.3336% | 597 |
| Noninterest expense to average assets | 3.4127% | 1,140 |
| Loan and lease loss provision to assets | -0.0151% | 5,554 |
| Net operating income to assets | 1.0208% | 2,329 |
| Return on assets (ROA) | 1.0366% | 2,310 |
| Pretax return on assets | 1.4928% | 1,674 |
| Return on Equity (ROE) | 8.3622% | 2,846 |
| Retained earnings to average equity (ytd only) | 2.1863% | 4,367 |
| Net charge-offs to loans | 0.0241% | 2,735 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | 96.2278% | 673 |
| Efficiency ratio | 68.3757% | 2,942 |
| Assets per employee ($millions) | 6.1280% | 1,371 |
| Cash dividends to net income (ytd only)* | 73.8552% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,395 |
| Loan loss allowance to noncurrent loans | 140.0220% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 2,735 |
| Noncurrent loans to loans | 0.6813% | 2,710 |
| Net loans and leases to total assets | 63.8004% | 3,414 |
| Net loans and leases to deposits | 75.5260% | 3,398 |
| Net loans and leases to core deposits | 76.7452% | 3,704 |
| Total domestic deposits to total assets | 84.4748% | 3,021 |
| Equity capital to assets | 12.6937% | 1,527 |
| Core capital (leverage) ratio | 10.3461% | 3,078 |
| Tier 1 risk-based capital ratio | 13.4284% | 3,731 |
| Total risk-based capital ratio | 14.2592% | 3,908 |
| Memoranda: | ||
| Average total assets | $1,044,992,000 | 714 |
| Average earning assets | $917,169,000 | 749 |
| Average equity | $129,535,670 | 639 |
| Average total loans | $656,864,000 | 800 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 1,970 |
| Cost of funding earning assets | 0.2862% | 4,180 |
| Net interest margin | 4.0067% | 1,457 |
| Noninterest income to average assets | 1.2255% | 686 |
| Noninterest expense to average assets | 3.4571% | 1,103 |
| Loan and lease loss provision to assets | 0.1627% | 1,104 |
| Net operating income to assets | 0.8223% | 3,113 |
| Return on assets (ROA) | 0.7499% | 3,528 |
| Pretax return on assets | 1.0220% | 3,279 |
| Return on Equity (ROE) | 6.1226% | 3,850 |
| Retained earnings to average equity (ytd only) | -0.0996% | 4,933 |
| Net charge-offs to loans | 0.1240% | 1,177 |
| Credit loss provision to net charge-offs | 211.3861% | 981 |
| Earnings coverage of net charge-offs (x) | 16.6782% | 1,631 |
| Efficiency ratio | 71.1116% | 2,717 |
| Assets per employee ($millions) | 5.9404% | 1,551 |
| Cash dividends to net income (ytd only)* | 101.6260% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,050 |
| Loan loss allowance to noncurrent loans | 111.3550% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 2,369 |
| Noncurrent loans to loans | 0.9311% | 2,177 |
| Net loans and leases to total assets | 62.3061% | 3,490 |
| Net loans and leases to deposits | 74.1926% | 3,382 |
| Net loans and leases to core deposits | 76.0191% | 3,648 |
| Total domestic deposits to total assets | 83.9788% | 3,488 |
| Equity capital to assets | 12.4785% | 1,555 |
| Core capital (leverage) ratio | 9.9785% | 3,525 |
| Tier 1 risk-based capital ratio | 13.4633% | 3,796 |
| Total risk-based capital ratio | 14.3559% | 3,921 |
| Memoranda: | ||
| Average total assets | $1,049,674,000 | 714 |
| Average earning assets | $920,961,000 | 748 |
| Average equity | $128,573,500 | 641 |
| Average total loans | $651,746,500 | 805 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 898 |
| Cost of funding earning assets | 0.2938% | 4,137 |
| Net interest margin | 4.5021% | 618 |
| Noninterest income to average assets | 1.4817% | 535 |
| Noninterest expense to average assets | 3.4983% | 1,162 |
| Loan and lease loss provision to assets | 0.2096% | 1,082 |
| Net operating income to assets | 1.1497% | 1,695 |
| Return on assets (ROA) | 1.2036% | 1,583 |
| Pretax return on assets | 1.8315% | 739 |
| Return on Equity (ROE) | 9.9306% | 1,987 |
| Retained earnings to average equity (ytd only) | 1.2235% | 4,799 |
| Net charge-offs to loans | 0.2482% | 1,117 |
| Credit loss provision to net charge-offs | 125.4256% | 2,132 |
| Earnings coverage of net charge-offs (x) | 11.7254% | 2,513 |
| Efficiency ratio | 62.4367% | 4,182 |
| Assets per employee ($millions) | 6.0898% | 1,413 |
| Cash dividends to net income (ytd only)* | 87.6792% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,340 |
| Loan loss allowance to noncurrent loans | 98.1490% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 2,563 |
| Noncurrent loans to loans | 1.0180% | 2,054 |
| Net loans and leases to total assets | 60.6361% | 3,783 |
| Net loans and leases to deposits | 71.8267% | 3,729 |
| Net loans and leases to core deposits | 73.1738% | 3,994 |
| Total domestic deposits to total assets | 84.4199% | 3,262 |
| Equity capital to assets | 12.0262% | 1,779 |
| Core capital (leverage) ratio | 9.9647% | 3,528 |
| Tier 1 risk-based capital ratio | 13.4856% | 3,775 |
| Total risk-based capital ratio | 14.3466% | 3,921 |
| Memoranda: | ||
| Average total assets | $1,089,687,200 | 659 |
| Average earning assets | $962,375,200 | 684 |
| Average equity | $132,076,000 | 606 |
| Average total loans | $733,568,600 | 683 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 807 |
| Cost of funding earning assets | 0.2982% | 4,119 |
| Net interest margin | 4.5532% | 554 |
| Noninterest income to average assets | 1.4820% | 545 |
| Noninterest expense to average assets | 3.4145% | 1,317 |
| Loan and lease loss provision to assets | 0.3007% | 562 |
| Net operating income to assets | 1.1797% | 1,706 |
| Return on assets (ROA) | 1.2346% | 1,604 |
| Pretax return on assets | 1.8815% | 741 |
| Return on Equity (ROE) | 10.1671% | 1,987 |
| Retained earnings to average equity (ytd only) | 0.6473% | 5,193 |
| Net charge-offs to loans | 0.1695% | 1,356 |
| Credit loss provision to net charge-offs | 257.9332% | 1,172 |
| Earnings coverage of net charge-offs (x) | 18.0052% | 2,022 |
| Efficiency ratio | 60.2882% | 4,501 |
| Assets per employee ($millions) | 5.7745% | 1,596 |
| Cash dividends to net income (ytd only)* | 93.6330% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,083 |
| Loan loss allowance to noncurrent loans | 101.8289% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 2,565 |
| Noncurrent loans to loans | 1.0390% | 2,163 |
| Net loans and leases to total assets | 66.2839% | 3,077 |
| Net loans and leases to deposits | 79.5660% | 3,015 |
| Net loans and leases to core deposits | 82.1526% | 3,268 |
| Total domestic deposits to total assets | 83.3068% | 3,478 |
| Equity capital to assets | 12.3729% | 1,855 |
| Core capital (leverage) ratio | 9.7419% | 3,884 |
| Tier 1 risk-based capital ratio | 13.1224% | 4,087 |
| Total risk-based capital ratio | 14.1096% | 4,156 |
| Memoranda: | ||
| Average total assets | $1,095,680,250 | 656 |
| Average earning assets | $970,135,500 | 684 |
| Average equity | $133,053,750 | 602 |
| Average total loans | $753,778,250 | 665 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 770 |
| Cost of funding earning assets | 0.2995% | 4,135 |
| Net interest margin | 4.5717% | 531 |
| Noninterest income to average assets | 1.4851% | 537 |
| Noninterest expense to average assets | 3.4152% | 1,342 |
| Loan and lease loss provision to assets | 0.2810% | 655 |
| Net operating income to assets | 1.1839% | 1,658 |
| Return on assets (ROA) | 1.2268% | 1,607 |
| Pretax return on assets | 1.9064% | 687 |
| Return on Equity (ROE) | 10.1646% | 1,975 |
| Retained earnings to average equity (ytd only) | 1.9153% | 4,600 |
| Net charge-offs to loans | 0.1263% | 1,580 |
| Credit loss provision to net charge-offs | 320.6612% | 918 |
| Earnings coverage of net charge-offs (x) | 24.2004% | 1,560 |
| Efficiency ratio | 60.0641% | 4,631 |
| Assets per employee ($millions) | 5.9029% | 1,475 |
| Cash dividends to net income (ytd only)* | 81.1569% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,703 |
| Loan loss allowance to noncurrent loans | 73.8473% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 2,147 |
| Noncurrent loans to loans | 1.3057% | 1,733 |
| Net loans and leases to total assets | 67.7630% | 2,812 |
| Net loans and leases to deposits | 80.2698% | 2,896 |
| Net loans and leases to core deposits | 85.0218% | 2,983 |
| Total domestic deposits to total assets | 84.4191% | 3,117 |
| Equity capital to assets | 12.4153% | 1,834 |
| Core capital (leverage) ratio | 9.6668% | 3,977 |
| Tier 1 risk-based capital ratio | 12.8973% | 4,262 |
| Total risk-based capital ratio | 13.8004% | 4,397 |
| Memoranda: | ||
| Average total assets | $1,104,811,000 | 652 |
| Average earning assets | $978,845,670 | 680 |
| Average equity | $133,345,670 | 602 |
| Average total loans | $766,479,330 | 650 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 717 |
| Cost of funding earning assets | 0.2989% | 4,175 |
| Net interest margin | 4.5839% | 516 |
| Noninterest income to average assets | 1.3821% | 582 |
| Noninterest expense to average assets | 3.2531% | 1,714 |
| Loan and lease loss provision to assets | 0.2929% | 543 |
| Net operating income to assets | 1.2200% | 1,488 |
| Return on assets (ROA) | 1.2099% | 1,623 |
| Pretax return on assets | 1.8838% | 719 |
| Return on Equity (ROE) | 10.1653% | 1,918 |
| Retained earnings to average equity (ytd only) | 5.6527% | 2,557 |
| Net charge-offs to loans | 0.0446% | 2,122 |
| Credit loss provision to net charge-offs | 940.2299% | 386 |
| Earnings coverage of net charge-offs (x) | 70.3793% | 693 |
| Efficiency ratio | 58.0681% | 4,989 |
| Assets per employee ($millions) | 5.7930% | 1,588 |
| Cash dividends to net income (ytd only)* | 44.3918% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 5,100 |
| Loan loss allowance to noncurrent loans | 59.8343% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 1,929 |
| Noncurrent loans to loans | 1.4839% | 1,589 |
| Net loans and leases to total assets | 69.2268% | 2,467 |
| Net loans and leases to deposits | 82.2895% | 2,511 |
| Net loans and leases to core deposits | 87.1374% | 2,645 |
| Total domestic deposits to total assets | 84.1259% | 3,471 |
| Equity capital to assets | 12.2870% | 1,837 |
| Core capital (leverage) ratio | 9.5593% | 4,093 |
| Tier 1 risk-based capital ratio | 12.4269% | 4,633 |
| Total risk-based capital ratio | 13.2579% | 4,831 |
| Memoranda: | ||
| Average total assets | $1,117,104,500 | 648 |
| Average earning assets | $990,253,500 | 665 |
| Average equity | $132,962,000 | 594 |
| Average total loans | $780,159,500 | 640 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 406 |
| Cost of funding earning assets | 0.3359% | 3,837 |
| Net interest margin | 4.8990% | 301 |
| Noninterest income to average assets | 1.3937% | 622 |
| Noninterest expense to average assets | 3.8014% | 859 |
| Loan and lease loss provision to assets | 0.2344% | 835 |
| Net operating income to assets | 1.1118% | 1,868 |
| Return on assets (ROA) | 1.1089% | 1,949 |
| Pretax return on assets | 1.6991% | 994 |
| Return on Equity (ROE) | 9.8575% | 2,063 |
| Retained earnings to average equity (ytd only) | 5.3416% | 2,175 |
| Net charge-offs to loans | 0.2019% | 1,446 |
| Credit loss provision to net charge-offs | 153.3882% | 1,742 |
| Earnings coverage of net charge-offs (x) | 12.6840% | 2,441 |
| Efficiency ratio | 64.5098% | 4,165 |
| Assets per employee ($millions) | 5.7834% | 1,551 |
| Cash dividends to net income (ytd only)* | 45.8115% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 5,504 |
| Loan loss allowance to noncurrent loans | 73.3180% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 2,485 |
| Noncurrent loans to loans | 1.0387% | 2,258 |
| Net loans and leases to total assets | 69.2969% | 2,488 |
| Net loans and leases to deposits | 81.0600% | 2,702 |
| Net loans and leases to core deposits | 87.4452% | 2,656 |
| Total domestic deposits to total assets | 85.4884% | 2,867 |
| Equity capital to assets | 11.5328% | 2,330 |
| Core capital (leverage) ratio | 9.4858% | 4,193 |
| Tier 1 risk-based capital ratio | 12.0352% | 4,923 |
| Total risk-based capital ratio | 12.7500% | 5,156 |
| Memoranda: | ||
| Average total assets | $1,033,474,200 | 665 |
| Average earning assets | $916,747,400 | 688 |
| Average equity | $116,256,400 | 662 |
| Average total loans | $782,020,200 | 595 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 322 |
| Cost of funding earning assets | 0.3561% | 3,681 |
| Net interest margin | 5.0376% | 231 |
| Noninterest income to average assets | 1.5179% | 542 |
| Noninterest expense to average assets | 3.8647% | 775 |
| Loan and lease loss provision to assets | 0.3203% | 436 |
| Net operating income to assets | 1.1932% | 1,676 |
| Return on assets (ROA) | 1.1939% | 1,738 |
| Pretax return on assets | 1.8050% | 890 |
| Return on Equity (ROE) | 10.6893% | 1,829 |
| Retained earnings to average equity (ytd only) | 9.2075% | 828 |
| Net charge-offs to loans | 0.2211% | 1,181 |
| Credit loss provision to net charge-offs | 187.3741% | 1,414 |
| Earnings coverage of net charge-offs (x) | 12.4276% | 2,406 |
| Efficiency ratio | 62.8789% | 4,428 |
| Assets per employee ($millions) | 5.7209% | 1,576 |
| Cash dividends to net income (ytd only)* | 13.8627% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 5,631 |
| Loan loss allowance to noncurrent loans | 84.3169% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 2,486 |
| Noncurrent loans to loans | 0.8854% | 2,767 |
| Net loans and leases to total assets | 76.7841% | 1,276 |
| Net loans and leases to deposits | 93.2137% | 1,281 |
| Net loans and leases to core deposits | 100.9213% | 1,445 |
| Total domestic deposits to total assets | 82.3743% | 4,034 |
| Equity capital to assets | 12.1101% | 2,022 |
| Core capital (leverage) ratio | 9.1908% | 4,740 |
| Tier 1 risk-based capital ratio | 11.1410% | 5,584 |
| Total risk-based capital ratio | 11.8467% | 5,766 |
| Memoranda: | ||
| Average total assets | $1,007,008,500 | 689 |
| Average earning assets | $893,771,750 | 710 |
| Average equity | $112,471,250 | 687 |
| Average total loans | $778,629,250 | 602 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 315 |
| Cost of funding earning assets | 0.3803% | 3,485 |
| Net interest margin | 5.0138% | 241 |
| Noninterest income to average assets | 1.5282% | 544 |
| Noninterest expense to average assets | 4.0826% | 612 |
| Loan and lease loss provision to assets | 0.3181% | 451 |
| Net operating income to assets | 1.0521% | 2,133 |
| Return on assets (ROA) | 1.0508% | 2,248 |
| Pretax return on assets | 1.5835% | 1,380 |
| Return on Equity (ROE) | 9.7157% | 2,202 |
| Retained earnings to average equity (ytd only) | 7.3488% | 1,548 |
| Net charge-offs to loans | 0.0986% | 2,029 |
| Credit loss provision to net charge-offs | 417.4731% | 720 |
| Earnings coverage of net charge-offs (x) | 24.9839% | 1,542 |
| Efficiency ratio | 66.5937% | 3,900 |
| Assets per employee ($millions) | 4.8356% | 2,496 |
| Cash dividends to net income (ytd only)* | 24.3617% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 5,767 |
| Loan loss allowance to noncurrent loans | 67.1249% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 2,485 |
| Noncurrent loans to loans | 1.0726% | 2,500 |
| Net loans and leases to total assets | 76.6493% | 1,281 |
| Net loans and leases to deposits | 89.4834% | 1,663 |
| Net loans and leases to core deposits | 98.4758% | 1,613 |
| Total domestic deposits to total assets | 85.6575% | 2,851 |
| Equity capital to assets | 11.2011% | 2,672 |
| Core capital (leverage) ratio | 9.0577% | 4,884 |
| Tier 1 risk-based capital ratio | 10.6148% | 5,876 |
| Total risk-based capital ratio | 11.2907% | 6,025 |
| Memoranda: | ||
| Average total assets | $976,543,000 | 718 |
| Average earning assets | $868,235,000 | 739 |
| Average equity | $105,622,330 | 736 |
| Average total loans | $754,924,330 | 618 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5806% | 228 |
| Cost of funding earning assets | 0.4637% | 2,638 |
| Net interest margin | 5.1169% | 203 |
| Noninterest income to average assets | 1.7320% | 437 |
| Noninterest expense to average assets | 4.7975% | 347 |
| Loan and lease loss provision to assets | 0.0405% | 3,102 |
| Net operating income to assets | 0.9827% | 2,334 |
| Return on assets (ROA) | 0.9809% | 2,471 |
| Pretax return on assets | 1.4567% | 1,706 |
| Return on Equity (ROE) | 9.2830% | 2,320 |
| Retained earnings to average equity (ytd only) | 3.9626% | 3,620 |
| Net charge-offs to loans | 0.0918% | 1,801 |
| Credit loss provision to net charge-offs | 56.9620% | 2,038 |
| Earnings coverage of net charge-offs (x) | 21.1076% | 1,389 |
| Efficiency ratio | 74.8036% | 2,688 |
| Assets per employee ($millions) | 4.3895% | 3,214 |
| Cash dividends to net income (ytd only)* | 57.3132% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 6,075 |
| Loan loss allowance to noncurrent loans | 58.1170% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 2,808 |
| Noncurrent loans to loans | 1.0183% | 2,725 |
| Net loans and leases to total assets | 76.6513% | 1,116 |
| Net loans and leases to deposits | 92.0726% | 1,177 |
| Net loans and leases to core deposits | 97.7301% | 1,499 |
| Total domestic deposits to total assets | 83.2509% | 4,096 |
| Equity capital to assets | 10.8992% | 3,090 |
| Core capital (leverage) ratio | 9.1796% | 4,747 |
| Tier 1 risk-based capital ratio | 9.8170% | 6,209 |
| Total risk-based capital ratio | 10.3482% | 6,300 |
| Memoranda: | ||
| Average total assets | $889,381,000 | 788 |
| Average earning assets | $793,533,500 | 801 |
| Average equity | $93,978,500 | 820 |
| Average total loans | $688,122,500 | 677 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 1,674 |
| Cost of funding earning assets | 0.4272% | 3,415 |
| Net interest margin | 4.1301% | 1,491 |
| Noninterest income to average assets | 1.1885% | 852 |
| Noninterest expense to average assets | 3.4151% | 1,665 |
| Loan and lease loss provision to assets | 0.3373% | 576 |
| Net operating income to assets | 0.8047% | 3,347 |
| Return on assets (ROA) | 0.7973% | 3,484 |
| Pretax return on assets | 1.1568% | 2,844 |
| Return on Equity (ROE) | 8.2218% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.8578% | 3,476 |
| Net charge-offs to loans | 0.3721% | 1,162 |
| Credit loss provision to net charge-offs | 120.0438% | 1,998 |
| Earnings coverage of net charge-offs (x) | 5.3549% | 3,442 |
| Efficiency ratio | 69.0575% | 3,699 |
| Assets per employee ($millions) | 5.0833% | 2,226 |
| Cash dividends to net income (ytd only)* | 53.0786% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 4,905 |
| Loan loss allowance to noncurrent loans | 175.8597% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 3,450 |
| Noncurrent loans to loans | 0.5857% | 3,912 |
| Net loans and leases to total assets | 77.0259% | 1,126 |
| Net loans and leases to deposits | 90.3471% | 1,483 |
| Net loans and leases to core deposits | 94.6696% | 1,852 |
| Total domestic deposits to total assets | 85.2555% | 3,183 |
| Equity capital to assets | 9.9903% | 4,125 |
| Core capital (leverage) ratio | 8.8479% | 5,190 |
| Tier 1 risk-based capital ratio | 11.6493% | 5,578 |
| Total risk-based capital ratio | 12.7077% | 5,605 |
| Memoranda: | ||
| Average total assets | $649,798,400 | 1,031 |
| Average earning assets | $587,056,600 | 1,043 |
| Average equity | $63,015,400 | 1,161 |
| Average total loans | $490,744,800 | 909 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,606 |
| Cost of funding earning assets | 0.4351% | 3,416 |
| Net interest margin | 4.1477% | 1,441 |
| Noninterest income to average assets | 1.1032% | 997 |
| Noninterest expense to average assets | 3.3927% | 1,692 |
| Loan and lease loss provision to assets | 0.4290% | 374 |
| Net operating income to assets | 0.7166% | 3,856 |
| Return on assets (ROA) | 0.7067% | 4,010 |
| Pretax return on assets | 1.0103% | 3,552 |
| Return on Equity (ROE) | 7.3427% | 3,532 |
| Retained earnings to average equity (ytd only) | 3.6106% | 4,080 |
| Net charge-offs to loans | 0.4418% | 891 |
| Credit loss provision to net charge-offs | 129.5722% | 1,778 |
| Earnings coverage of net charge-offs (x) | 4.3900% | 3,473 |
| Efficiency ratio | 69.6442% | 3,572 |
| Assets per employee ($millions) | 5.2333% | 1,979 |
| Cash dividends to net income (ytd only)* | 50.8279% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,090 |
| Loan loss allowance to noncurrent loans | 159.7301% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 3,408 |
| Noncurrent loans to loans | 0.6435% | 4,006 |
| Net loans and leases to total assets | 77.1711% | 1,069 |
| Net loans and leases to deposits | 90.8315% | 1,348 |
| Net loans and leases to core deposits | 96.1438% | 1,666 |
| Total domestic deposits to total assets | 84.9607% | 3,351 |
| Equity capital to assets | 9.6315% | 4,633 |
| Core capital (leverage) ratio | 8.7985% | 5,340 |
| Tier 1 risk-based capital ratio | 11.3236% | 5,871 |
| Total risk-based capital ratio | 12.3882% | 5,892 |
| Memoranda: | ||
| Average total assets | $649,583,500 | 1,042 |
| Average earning assets | $586,167,500 | 1,050 |
| Average equity | $62,518,500 | 1,177 |
| Average total loans | $486,833,250 | 922 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 1,593 |
| Cost of funding earning assets | 0.4231% | 3,620 |
| Net interest margin | 4.1531% | 1,373 |
| Noninterest income to average assets | 1.1186% | 949 |
| Noninterest expense to average assets | 3.4622% | 1,549 |
| Loan and lease loss provision to assets | 0.3426% | 525 |
| Net operating income to assets | 0.7331% | 3,658 |
| Return on assets (ROA) | 0.7344% | 3,745 |
| Pretax return on assets | 1.0562% | 3,253 |
| Return on Equity (ROE) | 7.6330% | 3,303 |
| Retained earnings to average equity (ytd only) | 3.6021% | 3,898 |
| Net charge-offs to loans | 0.5836% | 692 |
| Credit loss provision to net charge-offs | 79.4245% | 2,342 |
| Earnings coverage of net charge-offs (x) | 3.2388% | 3,360 |
| Efficiency ratio | 70.8812% | 3,515 |
| Assets per employee ($millions) | 4.8086% | 2,463 |
| Cash dividends to net income (ytd only)* | 52.8095% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 5,681 |
| Loan loss allowance to noncurrent loans | 126.1470% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 3,124 |
| Noncurrent loans to loans | 0.7249% | 3,883 |
| Net loans and leases to total assets | 75.0738% | 1,296 |
| Net loans and leases to deposits | 88.5281% | 1,531 |
| Net loans and leases to core deposits | 94.5206% | 1,735 |
| Total domestic deposits to total assets | 84.8022% | 3,603 |
| Equity capital to assets | 9.6297% | 4,587 |
| Core capital (leverage) ratio | 8.9349% | 5,108 |
| Tier 1 risk-based capital ratio | 11.2058% | 5,951 |
| Total risk-based capital ratio | 12.1182% | 6,052 |
| Memoranda: | ||
| Average total assets | $644,567,670 | 1,048 |
| Average earning assets | $580,536,670 | 1,061 |
| Average equity | $62,020,000 | 1,173 |
| Average total loans | $476,367,670 | 932 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 1,362 |
| Cost of funding earning assets | 0.4349% | 3,598 |
| Net interest margin | 4.2195% | 1,162 |
| Noninterest income to average assets | 1.1420% | 856 |
| Noninterest expense to average assets | 3.5208% | 1,450 |
| Loan and lease loss provision to assets | 0.4631% | 336 |
| Net operating income to assets | 0.6755% | 3,815 |
| Return on assets (ROA) | 0.6702% | 3,926 |
| Pretax return on assets | 0.9494% | 3,523 |
| Return on Equity (ROE) | 6.9678% | 3,493 |
| Retained earnings to average equity (ytd only) | -1.1874% | 5,759 |
| Net charge-offs to loans | 1.1243% | 302 |
| Credit loss provision to net charge-offs | 56.4652% | 2,142 |
| Earnings coverage of net charge-offs (x) | 1.7314% | 3,029 |
| Efficiency ratio | 70.8915% | 3,670 |
| Assets per employee ($millions) | 4.5432% | 2,906 |
| Cash dividends to net income (ytd only)* | 117.0412% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 5,835 |
| Loan loss allowance to noncurrent loans | 87.2783% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 2,934 |
| Noncurrent loans to loans | 1.0449% | 3,336 |
| Net loans and leases to total assets | 73.6601% | 1,320 |
| Net loans and leases to deposits | 85.4573% | 1,668 |
| Net loans and leases to core deposits | 88.6898% | 2,028 |
| Total domestic deposits to total assets | 86.1951% | 3,257 |
| Equity capital to assets | 9.7629% | 4,149 |
| Core capital (leverage) ratio | 8.8168% | 5,248 |
| Tier 1 risk-based capital ratio | 11.8992% | 5,712 |
| Total risk-based capital ratio | 12.8303% | 5,820 |
| Memoranda: | ||
| Average total assets | $637,465,500 | 1,070 |
| Average earning assets | $573,909,000 | 1,077 |
| Average equity | $61,311,000 | 1,184 |
| Average total loans | $464,987,000 | 955 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 1,642 |
| Cost of funding earning assets | 0.5032% | 3,574 |
| Net interest margin | 4.1703% | 1,445 |
| Noninterest income to average assets | 1.3611% | 753 |
| Noninterest expense to average assets | 3.3051% | 2,132 |
| Loan and lease loss provision to assets | 0.1376% | 2,585 |
| Net operating income to assets | 1.1806% | 1,644 |
| Return on assets (ROA) | 1.2123% | 1,590 |
| Pretax return on assets | 1.7126% | 924 |
| Return on Equity (ROE) | 11.8900% | 1,453 |
| Retained earnings to average equity (ytd only) | -8.7575% | 6,511 |
| Net charge-offs to loans | 0.0472% | 4,562 |
| Credit loss provision to net charge-offs | 422.0657% | 542 |
| Earnings coverage of net charge-offs (x) | 55.3709% | 733 |
| Efficiency ratio | 64.2941% | 4,848 |
| Assets per employee ($millions) | 4.5959% | 2,723 |
| Cash dividends to net income (ytd only)* | 173.6550% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,330 |
| Loan loss allowance to noncurrent loans | 78.6572% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 2,785 |
| Noncurrent loans to loans | 1.3389% | 2,900 |
| Net loans and leases to total assets | 70.8203% | 1,876 |
| Net loans and leases to deposits | 85.7553% | 1,717 |
| Net loans and leases to core deposits | 89.4286% | 2,089 |
| Total domestic deposits to total assets | 82.5841% | 4,685 |
| Equity capital to assets | 9.4756% | 4,458 |
| Core capital (leverage) ratio | 8.7572% | 5,354 |
| Tier 1 risk-based capital ratio | 12.0113% | 5,606 |
| Total risk-based capital ratio | 13.0753% | 5,659 |
| Memoranda: | ||
| Average total assets | $653,151,000 | 1,023 |
| Average earning assets | $587,265,200 | 1,041 |
| Average equity | $66,594,000 | 1,079 |
| Average total loans | $451,460,400 | 945 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,739 |
| Cost of funding earning assets | 0.5104% | 3,671 |
| Net interest margin | 4.1458% | 1,495 |
| Noninterest income to average assets | 1.4310% | 721 |
| Noninterest expense to average assets | 3.2544% | 2,194 |
| Loan and lease loss provision to assets | 0.1237% | 2,744 |
| Net operating income to assets | 1.1953% | 1,653 |
| Return on assets (ROA) | 1.2341% | 1,598 |
| Pretax return on assets | 1.8375% | 829 |
| Return on Equity (ROE) | 11.8977% | 1,503 |
| Retained earnings to average equity (ytd only) | -3.2979% | 6,384 |
| Net charge-offs to loans | 0.0647% | 3,990 |
| Credit loss provision to net charge-offs | 278.8991% | 918 |
| Earnings coverage of net charge-offs (x) | 42.9265% | 960 |
| Efficiency ratio | 62.7248% | 5,026 |
| Assets per employee ($millions) | 4.4761% | 2,920 |
| Cash dividends to net income (ytd only)* | 127.7193% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 5,633 |
| Loan loss allowance to noncurrent loans | 66.7155% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.4805% | 2,712 |
| Noncurrent loans to loans | 1.5286% | 2,872 |
| Net loans and leases to total assets | 69.5418% | 2,041 |
| Net loans and leases to deposits | 81.0789% | 2,255 |
| Net loans and leases to core deposits | 84.5606% | 2,588 |
| Total domestic deposits to total assets | 85.7706% | 3,368 |
| Equity capital to assets | 10.2636% | 3,560 |
| Core capital (leverage) ratio | 9.3753% | 4,569 |
| Tier 1 risk-based capital ratio | 13.3330% | 4,884 |
| Total risk-based capital ratio | 14.3692% | 4,987 |
| Memoranda: | ||
| Average total assets | $655,581,250 | 1,023 |
| Average earning assets | $589,301,000 | 1,046 |
| Average equity | $68,000,250 | 1,058 |
| Average total loans | $449,193,250 | 956 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,979 |
| Cost of funding earning assets | 0.5045% | 3,857 |
| Net interest margin | 4.0588% | 1,666 |
| Noninterest income to average assets | 1.4596% | 741 |
| Noninterest expense to average assets | 3.2481% | 2,219 |
| Loan and lease loss provision to assets | 0.1268% | 2,734 |
| Net operating income to assets | 1.1670% | 1,681 |
| Return on assets (ROA) | 1.2316% | 1,613 |
| Pretax return on assets | 1.8332% | 857 |
| Return on Equity (ROE) | 11.8337% | 1,543 |
| Retained earnings to average equity (ytd only) | -2.6755% | 6,270 |
| Net charge-offs to loans | 0.0733% | 3,662 |
| Credit loss provision to net charge-offs | 254.5455% | 980 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 969 |
| Efficiency ratio | 63.1691% | 4,994 |
| Assets per employee ($millions) | 4.4703% | 2,862 |
| Cash dividends to net income (ytd only)* | 122.6091% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 5,882 |
| Loan loss allowance to noncurrent loans | 55.7884% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7459% | 2,495 |
| Noncurrent loans to loans | 1.7673% | 2,678 |
| Net loans and leases to total assets | 68.9395% | 2,071 |
| Net loans and leases to deposits | 84.0874% | 1,795 |
| Net loans and leases to core deposits | 88.0197% | 2,107 |
| Total domestic deposits to total assets | 81.9855% | 5,065 |
| Equity capital to assets | 10.2832% | 3,563 |
| Core capital (leverage) ratio | 9.4052% | 4,385 |
| Tier 1 risk-based capital ratio | 13.2161% | 4,981 |
| Total risk-based capital ratio | 14.2011% | 5,115 |
| Memoranda: | ||
| Average total assets | $662,239,670 | 1,008 |
| Average earning assets | $595,895,670 | 1,036 |
| Average equity | $68,921,670 | 1,048 |
| Average total loans | $450,069,000 | 950 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,049 |
| Cost of funding earning assets | 0.4859% | 4,224 |
| Net interest margin | 4.0472% | 1,624 |
| Noninterest income to average assets | 1.6566% | 566 |
| Noninterest expense to average assets | 3.2417% | 2,221 |
| Loan and lease loss provision to assets | 0.0483% | 3,815 |
| Net operating income to assets | 1.3342% | 1,199 |
| Return on assets (ROA) | 1.5154% | 910 |
| Pretax return on assets | 2.2833% | 362 |
| Return on Equity (ROE) | 14.4783% | 866 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,424 |
| Net charge-offs to loans | -0.0027% | 5,181 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8319% | 5,472 |
| Assets per employee ($millions) | 4.6190% | 2,774 |
| Cash dividends to net income (ytd only)* | 78.6164% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 6,157 |
| Loan loss allowance to noncurrent loans | 109.6541% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 3,759 |
| Noncurrent loans to loans | 0.8592% | 4,402 |
| Net loans and leases to total assets | 68.5822% | 1,908 |
| Net loans and leases to deposits | 83.6512% | 1,636 |
| Net loans and leases to core deposits | 86.3253% | 2,076 |
| Total domestic deposits to total assets | 81.9859% | 5,194 |
| Equity capital to assets | 10.7767% | 3,223 |
| Core capital (leverage) ratio | 9.5137% | 4,058 |
| Tier 1 risk-based capital ratio | 13.4801% | 4,885 |
| Total risk-based capital ratio | 14.4249% | 5,040 |
| Memoranda: | ||
| Average total assets | $671,496,000 | 1,004 |
| Average earning assets | $604,276,500 | 1,032 |
| Average equity | $70,284,500 | 1,036 |
| Average total loans | $451,003,000 | 948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 2,804 |
| Cost of funding earning assets | 0.6044% | 4,306 |
| Net interest margin | 4.0439% | 2,222 |
| Noninterest income to average assets | 1.3844% | 820 |
| Noninterest expense to average assets | 3.1556% | 2,750 |
| Loan and lease loss provision to assets | 0.2556% | 2,612 |
| Net operating income to assets | 1.0946% | 1,954 |
| Return on assets (ROA) | 1.1557% | 1,910 |
| Pretax return on assets | 1.7234% | 1,082 |
| Return on Equity (ROE) | 10.5613% | 1,950 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,924 |
| Net charge-offs to loans | 0.1857% | 3,893 |
| Credit loss provision to net charge-offs | 202.7737% | 1,271 |
| Earnings coverage of net charge-offs (x) | 14.9766% | 1,686 |
| Efficiency ratio | 62.5306% | 5,165 |
| Assets per employee ($millions) | 4.7704% | 2,545 |
| Cash dividends to net income (ytd only)* | 55.7236% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,213 |
| Loan loss allowance to noncurrent loans | 76.6427% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 3,622 |
| Noncurrent loans to loans | 1.2044% | 3,845 |
| Net loans and leases to total assets | 64.6124% | 2,795 |
| Net loans and leases to deposits | 81.2943% | 2,108 |
| Net loans and leases to core deposits | 84.2747% | 2,519 |
| Total domestic deposits to total assets | 79.4797% | 5,789 |
| Equity capital to assets | 10.1751% | 3,921 |
| Core capital (leverage) ratio | 9.4846% | 4,129 |
| Tier 1 risk-based capital ratio | 12.9381% | 5,154 |
| Total risk-based capital ratio | 13.8400% | 5,353 |
| Memoranda: | ||
| Average total assets | $543,473,200 | 1,232 |
| Average earning assets | $491,725,400 | 1,237 |
| Average equity | $59,471,600 | 1,195 |
| Average total loans | $368,787,400 | 1,131 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 2,187 |
| Cost of funding earning assets | 0.6429% | 4,253 |
| Net interest margin | 4.2095% | 1,708 |
| Noninterest income to average assets | 1.3967% | 766 |
| Noninterest expense to average assets | 3.0056% | 3,211 |
| Loan and lease loss provision to assets | 0.1127% | 4,156 |
| Net operating income to assets | 1.3903% | 1,248 |
| Return on assets (ROA) | 1.4857% | 1,160 |
| Pretax return on assets | 2.2450% | 448 |
| Return on Equity (ROE) | 13.2593% | 1,278 |
| Retained earnings to average equity (ytd only) | 6.2102% | 2,559 |
| Net charge-offs to loans | 0.0647% | 4,774 |
| Credit loss provision to net charge-offs | 253.2544% | 1,084 |
| Earnings coverage of net charge-offs (x) | 49.7391% | 756 |
| Efficiency ratio | 57.5926% | 5,845 |
| Assets per employee ($millions) | 5.1675% | 1,971 |
| Cash dividends to net income (ytd only)* | 53.1632% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 5,949 |
| Loan loss allowance to noncurrent loans | 55.7321% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7974% | 2,916 |
| Noncurrent loans to loans | 1.8592% | 3,001 |
| Net loans and leases to total assets | 69.4310% | 2,032 |
| Net loans and leases to deposits | 83.7436% | 1,895 |
| Net loans and leases to core deposits | 87.1445% | 2,324 |
| Total domestic deposits to total assets | 82.9090% | 4,675 |
| Equity capital to assets | 11.4819% | 2,760 |
| Core capital (leverage) ratio | 10.0151% | 3,512 |
| Tier 1 risk-based capital ratio | 14.1183% | 4,439 |
| Total risk-based capital ratio | 15.1840% | 4,534 |
| Memoranda: | ||
| Average total assets | $506,412,750 | 1,338 |
| Average earning assets | $459,802,500 | 1,343 |
| Average equity | $56,743,750 | 1,257 |
| Average total loans | $348,209,750 | 1,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 2,153 |
| Cost of funding earning assets | 0.6560% | 4,389 |
| Net interest margin | 4.2334% | 1,658 |
| Noninterest income to average assets | 1.2657% | 891 |
| Noninterest expense to average assets | 2.9412% | 3,469 |
| Loan and lease loss provision to assets | 0.1014% | 4,258 |
| Net operating income to assets | 1.3692% | 1,258 |
| Return on assets (ROA) | 1.4662% | 1,185 |
| Pretax return on assets | 2.2085% | 477 |
| Return on Equity (ROE) | 13.1957% | 1,310 |
| Retained earnings to average equity (ytd only) | 6.0629% | 2,673 |
| Net charge-offs to loans | 0.0122% | 5,285 |
| Credit loss provision to net charge-offs | 1,219.0476% | 267 |
| Earnings coverage of net charge-offs (x) | 259.9048% | 167 |
| Efficiency ratio | 57.6242% | 5,914 |
| Assets per employee ($millions) | 5.4062% | 1,699 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 6,010 |
| Loan loss allowance to noncurrent loans | 49.5109% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.0604% | 2,708 |
| Noncurrent loans to loans | 2.0976% | 2,825 |
| Net loans and leases to total assets | 70.7895% | 1,774 |
| Net loans and leases to deposits | 84.7837% | 1,750 |
| Net loans and leases to core deposits | 89.6941% | 2,014 |
| Total domestic deposits to total assets | 83.4942% | 4,531 |
| Equity capital to assets | 11.4868% | 2,608 |
| Core capital (leverage) ratio | 9.7487% | 3,779 |
| Tier 1 risk-based capital ratio | 13.3942% | 4,905 |
| Total risk-based capital ratio | 14.4571% | 5,009 |
| Memoranda: | ||
| Average total assets | $504,690,330 | 1,341 |
| Average earning assets | $457,600,330 | 1,350 |
| Average equity | $56,078,670 | 1,268 |
| Average total loans | $344,641,670 | 1,224 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 2,024 |
| Cost of funding earning assets | 0.6648% | 4,583 |
| Net interest margin | 4.2989% | 1,468 |
| Noninterest income to average assets | 1.3023% | 839 |
| Noninterest expense to average assets | 2.8626% | 3,776 |
| Loan and lease loss provision to assets | 0.0748% | 4,461 |
| Net operating income to assets | 1.4996% | 1,021 |
| Return on assets (ROA) | 1.6933% | 811 |
| Pretax return on assets | 2.5612% | 307 |
| Return on Equity (ROE) | 15.4954% | 890 |
| Retained earnings to average equity (ytd only) | 8.2949% | 1,861 |
| Net charge-offs to loans | -0.0897% | 6,749 |
| Credit loss provision to net charge-offs | -125.0000% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9962% | 6,229 |
| Assets per employee ($millions) | 5.4037% | 1,782 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,039 |
| Loan loss allowance to noncurrent loans | 48.5233% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0423% | 2,836 |
| Noncurrent loans to loans | 2.1874% | 2,927 |
| Net loans and leases to total assets | 68.8314% | 1,965 |
| Net loans and leases to deposits | 82.5554% | 1,855 |
| Net loans and leases to core deposits | 86.4538% | 2,236 |
| Total domestic deposits to total assets | 83.3760% | 4,775 |
| Equity capital to assets | 11.3903% | 2,532 |
| Core capital (leverage) ratio | 9.5915% | 3,930 |
| Tier 1 risk-based capital ratio | 14.0158% | 4,466 |
| Total risk-based capital ratio | 15.0802% | 4,563 |
| Memoranda: | ||
| Average total assets | $508,349,500 | 1,340 |
| Average earning assets | $461,516,500 | 1,346 |
| Average equity | $55,552,000 | 1,278 |
| Average total loans | $339,071,500 | 1,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 2,197 |
| Cost of funding earning assets | 0.8536% | 4,443 |
| Net interest margin | 4.3124% | 1,658 |
| Noninterest income to average assets | 1.2224% | 881 |
| Noninterest expense to average assets | 2.7456% | 4,577 |
| Loan and lease loss provision to assets | 0.0940% | 5,418 |
| Net operating income to assets | 1.5054% | 813 |
| Return on assets (ROA) | 1.6825% | 606 |
| Pretax return on assets | 2.5609% | 187 |
| Return on Equity (ROE) | 14.8634% | 769 |
| Retained earnings to average equity (ytd only) | 2.9419% | 4,143 |
| Net charge-offs to loans | 0.2599% | 4,150 |
| Credit loss provision to net charge-offs | 53.8644% | 5,323 |
| Earnings coverage of net charge-offs (x) | 13.6694% | 1,522 |
| Efficiency ratio | 53.4970% | 6,563 |
| Assets per employee ($millions) | 6.0340% | 1,209 |
| Cash dividends to net income (ytd only)* | 80.2073% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 6,074 |
| Loan loss allowance to noncurrent loans | 42.8589% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 3,079 |
| Noncurrent loans to loans | 2.4024% | 2,721 |
| Net loans and leases to total assets | 63.3536% | 3,320 |
| Net loans and leases to deposits | 77.5133% | 2,916 |
| Net loans and leases to core deposits | 81.0597% | 3,311 |
| Total domestic deposits to total assets | 81.7326% | 5,218 |
| Equity capital to assets | 10.4947% | 3,541 |
| Core capital (leverage) ratio | 9.5732% | 3,913 |
| Tier 1 risk-based capital ratio | 13.7456% | 4,522 |
| Total risk-based capital ratio | 14.7653% | 4,650 |
| Memoranda: | ||
| Average total assets | $481,675,000 | 1,384 |
| Average earning assets | $436,719,600 | 1,392 |
| Average equity | $54,523,200 | 1,245 |
| Average total loans | $323,597,800 | 1,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 1,826 |
| Cost of funding earning assets | 0.9044% | 4,367 |
| Net interest margin | 4.4029% | 1,400 |
| Noninterest income to average assets | 1.0868% | 1,137 |
| Noninterest expense to average assets | 2.7057% | 4,701 |
| Loan and lease loss provision to assets | 0.0263% | 6,118 |
| Net operating income to assets | 1.5417% | 866 |
| Return on assets (ROA) | 1.6398% | 786 |
| Pretax return on assets | 2.4958% | 253 |
| Return on Equity (ROE) | 14.1983% | 1,000 |
| Retained earnings to average equity (ytd only) | 4.3911% | 3,601 |
| Net charge-offs to loans | 0.2717% | 3,741 |
| Credit loss provision to net charge-offs | 14.2420% | 5,629 |
| Earnings coverage of net charge-offs (x) | 12.8362% | 1,665 |
| Efficiency ratio | 53.2698% | 6,567 |
| Assets per employee ($millions) | 5.4643% | 1,639 |
| Cash dividends to net income (ytd only)* | 69.0727% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,178 |
| Loan loss allowance to noncurrent loans | 27.6978% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 2.8288% | 2,293 |
| Noncurrent loans to loans | 3.6734% | 1,863 |
| Net loans and leases to total assets | 65.7745% | 2,951 |
| Net loans and leases to deposits | 79.3817% | 2,749 |
| Net loans and leases to core deposits | 82.5488% | 3,247 |
| Total domestic deposits to total assets | 82.8586% | 4,738 |
| Equity capital to assets | 11.4762% | 2,701 |
| Core capital (leverage) ratio | 10.1179% | 3,289 |
| Tier 1 risk-based capital ratio | 12.8564% | 5,201 |
| Total risk-based capital ratio | 13.7641% | 5,467 |
| Memoranda: | ||
| Average total assets | $470,854,250 | 1,416 |
| Average earning assets | $426,946,250 | 1,427 |
| Average equity | $54,380,750 | 1,251 |
| Average total loans | $320,487,250 | 1,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 1,403 |
| Cost of funding earning assets | 0.9403% | 4,392 |
| Net interest margin | 4.5131% | 1,103 |
| Noninterest income to average assets | 1.0509% | 1,192 |
| Noninterest expense to average assets | 2.7954% | 4,435 |
| Loan and lease loss provision to assets | 0.3032% | 2,983 |
| Net operating income to assets | 1.3503% | 1,193 |
| Return on assets (ROA) | 1.4378% | 1,063 |
| Pretax return on assets | 2.1744% | 428 |
| Return on Equity (ROE) | 12.4221% | 1,368 |
| Retained earnings to average equity (ytd only) | 5.0015% | 3,006 |
| Net charge-offs to loans | 0.5739% | 2,386 |
| Credit loss provision to net charge-offs | 76.9902% | 3,855 |
| Earnings coverage of net charge-offs (x) | 5.9542% | 2,502 |
| Efficiency ratio | 54.3822% | 6,584 |
| Assets per employee ($millions) | 5.3344% | 1,719 |
| Cash dividends to net income (ytd only)* | 59.7372% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 5,751 |
| Loan loss allowance to noncurrent loans | 35.1096% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 2.7288% | 2,452 |
| Noncurrent loans to loans | 3.2838% | 2,174 |
| Net loans and leases to total assets | 68.7705% | 2,462 |
| Net loans and leases to deposits | 84.0410% | 2,103 |
| Net loans and leases to core deposits | 86.8949% | 2,775 |
| Total domestic deposits to total assets | 81.8297% | 5,221 |
| Equity capital to assets | 12.1071% | 2,025 |
| Core capital (leverage) ratio | 10.2468% | 2,980 |
| Tier 1 risk-based capital ratio | 15.2631% | 3,367 |
| Total risk-based capital ratio | 16.4641% | 3,354 |
| Memoranda: | ||
| Average total assets | $465,699,330 | 1,440 |
| Average earning assets | $421,975,330 | 1,446 |
| Average equity | $53,904,000 | 1,248 |
| Average total loans | $319,595,670 | 1,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4023% | 1,547 |
| Cost of funding earning assets | 0.9461% | 4,604 |
| Net interest margin | 4.4561% | 1,161 |
| Noninterest income to average assets | 1.0690% | 1,146 |
| Noninterest expense to average assets | 2.9315% | 3,937 |
| Loan and lease loss provision to assets | 0.2433% | 3,234 |
| Net operating income to assets | 1.2911% | 1,294 |
| Return on assets (ROA) | 1.2428% | 1,460 |
| Pretax return on assets | 1.8668% | 718 |
| Return on Equity (ROE) | 10.9797% | 1,748 |
| Retained earnings to average equity (ytd only) | 3.4901% | 4,089 |
| Net charge-offs to loans | 0.9513% | 1,404 |
| Credit loss provision to net charge-offs | 37.5163% | 3,992 |
| Earnings coverage of net charge-offs (x) | 3.3647% | 2,766 |
| Efficiency ratio | 57.3276% | 6,344 |
| Assets per employee ($millions) | 5.3943% | 1,668 |
| Cash dividends to net income (ytd only)* | 68.2128% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 6,230 |
| Loan loss allowance to noncurrent loans | 28.6090% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 2.9657% | 2,326 |
| Noncurrent loans to loans | 3.6620% | 2,024 |
| Net loans and leases to total assets | 67.8035% | 2,593 |
| Net loans and leases to deposits | 84.9097% | 1,898 |
| Net loans and leases to core deposits | 87.7889% | 2,630 |
| Total domestic deposits to total assets | 79.8536% | 5,978 |
| Equity capital to assets | 11.4275% | 2,327 |
| Core capital (leverage) ratio | 9.7527% | 3,444 |
| Tier 1 risk-based capital ratio | 12.5121% | 5,252 |
| Total risk-based capital ratio | 13.4500% | 5,507 |
| Memoranda: | ||
| Average total assets | $471,835,500 | 1,431 |
| Average earning assets | $428,263,500 | 1,438 |
| Average equity | $53,407,500 | 1,253 |
| Average total loans | $321,663,000 | 1,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5078% | 2,249 |
| Cost of funding earning assets | 1.2633% | 4,119 |
| Net interest margin | 4.2444% | 2,019 |
| Noninterest income to average assets | 1.4278% | 705 |
| Noninterest expense to average assets | 2.7178% | 4,912 |
| Loan and lease loss provision to assets | 0.2325% | 4,954 |
| Net operating income to assets | 1.5214% | 729 |
| Return on assets (ROA) | 1.6042% | 665 |
| Pretax return on assets | 2.4453% | 198 |
| Return on Equity (ROE) | 14.6591% | 767 |
| Retained earnings to average equity (ytd only) | 9.6912% | 572 |
| Net charge-offs to loans | 0.8326% | 2,552 |
| Credit loss provision to net charge-offs | 40.9422% | 6,374 |
| Earnings coverage of net charge-offs (x) | 4.4952% | 2,903 |
| Efficiency ratio | 51.5700% | 7,019 |
| Assets per employee ($millions) | 5.6472% | 1,461 |
| Cash dividends to net income (ytd only)* | 33.8891% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,539 |
| Loan loss allowance to noncurrent loans | 30.2866% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 3.0061% | 2,339 |
| Noncurrent loans to loans | 3.9478% | 1,849 |
| Net loans and leases to total assets | 67.0168% | 3,222 |
| Net loans and leases to deposits | 81.0091% | 2,987 |
| Net loans and leases to core deposits | 83.4151% | 3,684 |
| Total domestic deposits to total assets | 82.7275% | 4,917 |
| Equity capital to assets | 11.2118% | 2,491 |
| Core capital (leverage) ratio | 9.5593% | 3,631 |
| Tier 1 risk-based capital ratio | 12.4344% | 5,078 |
| Total risk-based capital ratio | 13.5103% | 5,213 |
| Memoranda: | ||
| Average total assets | $459,854,400 | 1,443 |
| Average earning assets | $416,285,000 | 1,457 |
| Average equity | $50,323,800 | 1,326 |
| Average total loans | $313,594,200 | 1,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 2,184 |
| Cost of funding earning assets | 1.3307% | 4,034 |
| Net interest margin | 4.2368% | 2,081 |
| Noninterest income to average assets | 1.3508% | 738 |
| Noninterest expense to average assets | 2.6489% | 5,115 |
| Loan and lease loss provision to assets | -0.0172% | 7,678 |
| Net operating income to assets | 1.6216% | 719 |
| Return on assets (ROA) | 1.6933% | 683 |
| Pretax return on assets | 2.6618% | 180 |
| Return on Equity (ROE) | 15.5722% | 768 |
| Retained earnings to average equity (ytd only) | 10.1969% | 754 |
| Net charge-offs to loans | 0.3484% | 3,914 |
| Credit loss provision to net charge-offs | -7.2482% | 6,856 |
| Earnings coverage of net charge-offs (x) | 10.6462% | 1,869 |
| Efficiency ratio | 51.1224% | 7,062 |
| Assets per employee ($millions) | 5.4979% | 1,625 |
| Cash dividends to net income (ytd only)* | 34.5185% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 4,585 |
| Loan loss allowance to noncurrent loans | 37.4316% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 2.9957% | 2,426 |
| Noncurrent loans to loans | 3.6806% | 2,122 |
| Net loans and leases to total assets | 70.0300% | 2,724 |
| Net loans and leases to deposits | 88.8822% | 1,875 |
| Net loans and leases to core deposits | 90.5300% | 3,020 |
| Total domestic deposits to total assets | 78.7897% | 6,068 |
| Equity capital to assets | 11.4860% | 2,543 |
| Core capital (leverage) ratio | 9.7314% | 3,577 |
| Tier 1 risk-based capital ratio | 12.2357% | 5,234 |
| Total risk-based capital ratio | 13.4902% | 5,196 |
| Memoranda: | ||
| Average total assets | $456,226,500 | 1,475 |
| Average earning assets | $412,503,000 | 1,497 |
| Average equity | $49,608,500 | 1,357 |
| Average total loans | $311,554,750 | 1,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 2,797 |
| Cost of funding earning assets | 1.3984% | 3,882 |
| Net interest margin | 4.0425% | 2,828 |
| Noninterest income to average assets | 1.0916% | 1,120 |
| Noninterest expense to average assets | 2.7441% | 4,724 |
| Loan and lease loss provision to assets | -0.3367% | 7,796 |
| Net operating income to assets | 1.4946% | 922 |
| Return on assets (ROA) | 1.6014% | 778 |
| Pretax return on assets | 2.5095% | 228 |
| Return on Equity (ROE) | 15.0135% | 859 |
| Retained earnings to average equity (ytd only) | 6.7598% | 1,943 |
| Net charge-offs to loans | 0.2084% | 4,365 |
| Credit loss provision to net charge-offs | -239.8119% | 6,743 |
| Earnings coverage of net charge-offs (x) | 14.2853% | 1,533 |
| Efficiency ratio | 57.7704% | 6,406 |
| Assets per employee ($millions) | 5.5237% | 1,598 |
| Cash dividends to net income (ytd only)* | 54.9753% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,811 |
| Loan loss allowance to noncurrent loans | 42.3902% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.5891% | 2,805 |
| Noncurrent loans to loans | 3.1121% | 2,581 |
| Net loans and leases to total assets | 70.2551% | 2,845 |
| Net loans and leases to deposits | 89.9629% | 1,865 |
| Net loans and leases to core deposits | 92.9106% | 2,859 |
| Total domestic deposits to total assets | 78.0933% | 6,248 |
| Equity capital to assets | 10.9595% | 2,904 |
| Core capital (leverage) ratio | 9.2516% | 4,207 |
| Tier 1 risk-based capital ratio | 11.6191% | 5,657 |
| Total risk-based capital ratio | 12.8345% | 5,650 |
| Memoranda: | ||
| Average total assets | $454,361,330 | 1,505 |
| Average earning assets | $411,180,670 | 1,508 |
| Average equity | $48,463,000 | 1,383 |
| Average total loans | $306,095,670 | 1,498 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 4,175 |
| Cost of funding earning assets | 1.4526% | 3,855 |
| Net interest margin | 3.7206% | 4,146 |
| Noninterest income to average assets | 1.0480% | 1,161 |
| Noninterest expense to average assets | 2.6336% | 5,214 |
| Loan and lease loss provision to assets | -0.0150% | 7,841 |
| Net operating income to assets | 1.1560% | 1,660 |
| Return on assets (ROA) | 1.2089% | 1,592 |
| Pretax return on assets | 1.8722% | 770 |
| Return on Equity (ROE) | 11.4943% | 1,645 |
| Retained earnings to average equity (ytd only) | -5.3225% | 6,609 |
| Net charge-offs to loans | 0.0608% | 4,806 |
| Credit loss provision to net charge-offs | -37.7778% | 5,993 |
| Earnings coverage of net charge-offs (x) | 44.6222% | 620 |
| Efficiency ratio | 59.7272% | 6,222 |
| Assets per employee ($millions) | 5.5001% | 1,669 |
| Cash dividends to net income (ytd only)* | 146.3058% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 3,098 |
| Loan loss allowance to noncurrent loans | 33.7792% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 3.6952% | 1,892 |
| Noncurrent loans to loans | 5.0066% | 1,448 |
| Net loans and leases to total assets | 67.8436% | 3,427 |
| Net loans and leases to deposits | 87.0274% | 2,401 |
| Net loans and leases to core deposits | 90.9944% | 3,228 |
| Total domestic deposits to total assets | 77.9567% | 6,325 |
| Equity capital to assets | 10.3428% | 3,419 |
| Core capital (leverage) ratio | 8.9175% | 4,703 |
| Tier 1 risk-based capital ratio | 11.1954% | 5,967 |
| Total risk-based capital ratio | 12.4549% | 5,910 |
| Memoranda: | ||
| Average total assets | $452,308,000 | 1,550 |
| Average earning assets | $408,640,500 | 1,554 |
| Average equity | $47,571,500 | 1,411 |
| Average total loans | $295,942,000 | 1,591 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6843% | 3,187 |
| Cost of funding earning assets | 1.9055% | 3,437 |
| Net interest margin | 3.7789% | 3,802 |
| Noninterest income to average assets | 1.2640% | 944 |
| Noninterest expense to average assets | 2.8328% | 4,824 |
| Loan and lease loss provision to assets | 0.5885% | 3,441 |
| Net operating income to assets | 0.8191% | 2,458 |
| Return on assets (ROA) | 1.0222% | 1,811 |
| Pretax return on assets | 1.5739% | 1,020 |
| Return on Equity (ROE) | 9.7156% | 1,777 |
| Retained earnings to average equity (ytd only) | 5.3422% | 1,653 |
| Net charge-offs to loans | 0.5015% | 3,770 |
| Credit loss provision to net charge-offs | 174.7268% | 2,406 |
| Earnings coverage of net charge-offs (x) | 5.4925% | 2,582 |
| Efficiency ratio | 59.9735% | 6,498 |
| Assets per employee ($millions) | 5.3989% | 1,742 |
| Cash dividends to net income (ytd only)* | 45.0146% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 2,154 |
| Loan loss allowance to noncurrent loans | 37.4410% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.4465% | 1,953 |
| Noncurrent loans to loans | 5.2001% | 1,275 |
| Net loans and leases to total assets | 60.5779% | 5,250 |
| Net loans and leases to deposits | 75.6149% | 4,806 |
| Net loans and leases to core deposits | 83.8061% | 5,734 |
| Total domestic deposits to total assets | 80.1136% | 5,641 |
| Equity capital to assets | 10.6955% | 2,970 |
| Core capital (leverage) ratio | 9.2270% | 4,081 |
| Tier 1 risk-based capital ratio | 12.2234% | 4,748 |
| Total risk-based capital ratio | 13.4861% | 4,704 |
| Memoranda: | ||
| Average total assets | $434,654,600 | 1,593 |
| Average earning assets | $393,238,800 | 1,616 |
| Average equity | $45,730,400 | 1,470 |
| Average total loans | $291,915,000 | 1,640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 3,107 |
| Cost of funding earning assets | 1.9956% | 3,380 |
| Net interest margin | 3.7527% | 3,853 |
| Noninterest income to average assets | 1.2845% | 933 |
| Noninterest expense to average assets | 2.9282% | 4,321 |
| Loan and lease loss provision to assets | 0.4152% | 3,831 |
| Net operating income to assets | 0.8668% | 2,547 |
| Return on assets (ROA) | 1.1355% | 1,692 |
| Pretax return on assets | 1.7612% | 869 |
| Return on Equity (ROE) | 10.8390% | 1,668 |
| Retained earnings to average equity (ytd only) | 10.8390% | 491 |
| Net charge-offs to loans | 0.2282% | 4,630 |
| Credit loss provision to net charge-offs | 265.4150% | 1,598 |
| Earnings coverage of net charge-offs (x) | 11.2292% | 1,873 |
| Efficiency ratio | 61.8055% | 6,151 |
| Assets per employee ($millions) | 5.2915% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 2,440 |
| Loan loss allowance to noncurrent loans | 38.6638% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 3.0597% | 2,251 |
| Noncurrent loans to loans | 4.5292% | 1,534 |
| Net loans and leases to total assets | 66.3713% | 4,337 |
| Net loans and leases to deposits | 85.1201% | 3,477 |
| Net loans and leases to core deposits | 97.5635% | 4,658 |
| Total domestic deposits to total assets | 77.9737% | 6,098 |
| Equity capital to assets | 11.3489% | 2,714 |
| Core capital (leverage) ratio | 9.6266% | 3,746 |
| Tier 1 risk-based capital ratio | 12.6851% | 4,400 |
| Total risk-based capital ratio | 13.9444% | 4,351 |
| Memoranda: | ||
| Average total assets | $431,291,750 | 1,618 |
| Average earning assets | $390,788,250 | 1,634 |
| Average equity | $45,181,250 | 1,508 |
| Average total loans | $295,683,000 | 1,640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8432% | 2,838 |
| Cost of funding earning assets | 2.0735% | 3,401 |
| Net interest margin | 3.7697% | 3,677 |
| Noninterest income to average assets | 1.2653% | 951 |
| Noninterest expense to average assets | 3.0589% | 3,851 |
| Loan and lease loss provision to assets | 0.2834% | 4,306 |
| Net operating income to assets | 0.8565% | 2,628 |
| Return on assets (ROA) | 1.1500% | 1,699 |
| Pretax return on assets | 1.7824% | 874 |
| Return on Equity (ROE) | 11.2943% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.2943% | 521 |
| Net charge-offs to loans | 0.3507% | 3,434 |
| Credit loss provision to net charge-offs | 117.3077% | 3,964 |
| Earnings coverage of net charge-offs (x) | 6.6808% | 2,567 |
| Efficiency ratio | 64.5123% | 5,803 |
| Assets per employee ($millions) | 4.9927% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 3,401 |
| Loan loss allowance to noncurrent loans | 36.0306% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 2.8115% | 2,284 |
| Noncurrent loans to loans | 4.0599% | 1,655 |
| Net loans and leases to total assets | 68.0184% | 4,149 |
| Net loans and leases to deposits | 89.4402% | 2,907 |
| Net loans and leases to core deposits | 107.9886% | 3,611 |
| Total domestic deposits to total assets | 76.0490% | 6,538 |
| Equity capital to assets | 10.9096% | 3,009 |
| Core capital (leverage) ratio | 9.1016% | 4,462 |
| Tier 1 risk-based capital ratio | 11.7344% | 5,161 |
| Total risk-based capital ratio | 12.9816% | 5,089 |
| Memoranda: | ||
| Average total assets | $430,422,330 | 1,642 |
| Average earning assets | $389,103,670 | 1,669 |
| Average equity | $43,827,330 | 1,552 |
| Average total loans | $296,538,000 | 1,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6893% | 3,859 |
| Cost of funding earning assets | 2.1577% | 3,378 |
| Net interest margin | 3.5316% | 4,607 |
| Noninterest income to average assets | 1.3929% | 726 |
| Noninterest expense to average assets | 3.1490% | 3,193 |
| Loan and lease loss provision to assets | 0.2810% | 3,713 |
| Net operating income to assets | 0.7394% | 3,395 |
| Return on assets (ROA) | 0.9439% | 2,663 |
| Pretax return on assets | 1.4573% | 1,796 |
| Return on Equity (ROE) | 9.6177% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.6177% | 1,309 |
| Net charge-offs to loans | 0.3418% | 2,719 |
| Credit loss provision to net charge-offs | 119.4444% | 3,289 |
| Earnings coverage of net charge-offs (x) | 6.0516% | 2,555 |
| Efficiency ratio | 67.8849% | 4,987 |
| Assets per employee ($millions) | 4.8582% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 3,171 |
| Loan loss allowance to noncurrent loans | 33.2466% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 4.1167% | 1,228 |
| Noncurrent loans to loans | 4.4027% | 1,324 |
| Net loans and leases to total assets | 68.4171% | 4,040 |
| Net loans and leases to deposits | 86.8797% | 3,499 |
| Net loans and leases to core deposits | 107.4748% | 3,744 |
| Total domestic deposits to total assets | 78.7492% | 5,809 |
| Equity capital to assets | 9.9328% | 4,072 |
| Core capital (leverage) ratio | 7.8539% | 6,685 |
| Tier 1 risk-based capital ratio | 10.2369% | 6,666 |
| Total risk-based capital ratio | 11.4900% | 6,584 |
| Memoranda: | ||
| Average total assets | $428,452,500 | 1,661 |
| Average earning assets | $385,775,500 | 1,693 |
| Average equity | $42,047,500 | 1,616 |
| Average total loans | $294,891,000 | 1,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1818% | 4,608 |
| Cost of funding earning assets | 2.6996% | 3,158 |
| Net interest margin | 3.4822% | 5,355 |
| Noninterest income to average assets | 0.9978% | 1,588 |
| Noninterest expense to average assets | 2.9258% | 4,354 |
| Loan and lease loss provision to assets | 0.8167% | 1,819 |
| Net operating income to assets | 0.2688% | 5,649 |
| Return on assets (ROA) | 0.2640% | 5,489 |
| Pretax return on assets | 0.3666% | 5,337 |
| Return on Equity (ROE) | 2.5876% | 5,386 |
| Retained earnings to average equity (ytd only) | -9.4700% | 7,027 |
| Net charge-offs to loans | 1.2302% | 980 |
| Credit loss provision to net charge-offs | 93.7041% | 5,579 |
| Earnings coverage of net charge-offs (x) | 1.3653% | 5,445 |
| Efficiency ratio | 69.9528% | 4,363 |
| Assets per employee ($millions) | 4.8794% | 2,075 |
| Cash dividends to net income (ytd only)* | 465.9832% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,851 |
| Loan loss allowance to noncurrent loans | 39.9777% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 2.7975% | 1,680 |
| Noncurrent loans to loans | 3.6683% | 1,373 |
| Net loans and leases to total assets | 67.2227% | 4,596 |
| Net loans and leases to deposits | 85.3913% | 4,196 |
| Net loans and leases to core deposits | 102.9529% | 4,508 |
| Total domestic deposits to total assets | 78.7232% | 5,476 |
| Equity capital to assets | 9.6953% | 4,428 |
| Core capital (leverage) ratio | 7.8224% | 6,769 |
| Tier 1 risk-based capital ratio | 9.8388% | 6,908 |
| Total risk-based capital ratio | 11.0897% | 6,799 |
| Memoranda: | ||
| Average total assets | $406,413,000 | 1,673 |
| Average earning assets | $363,906,800 | 1,709 |
| Average equity | $41,467,600 | 1,614 |
| Average total loans | $287,909,200 | 1,681 |