Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 2,892 |
| Cost of funding earning assets | 1.8668% | 1,129 |
| Net interest margin | 2.7338% | 3,770 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.4956% | 4,330 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.0454% | 2,079 |
| Return on assets (ROA) | 1.0433% | 2,058 |
| Pretax return on assets | 1.3055% | 1,857 |
| Return on Equity (ROE) | 10.5700% | 2,343 |
| Retained earnings to average equity (ytd only) | 4.7407% | 2,696 |
| Net charge-offs to loans | 0.0006% | 2,881 |
| Credit loss provision to net charge-offs | -3,675.0000% | 4,588 |
| Earnings coverage of net charge-offs (x) | 2,944.2500% | 45 |
| Efficiency ratio | 53.6758% | 3,698 |
| Assets per employee ($millions) | 13.7111% | 273 |
| Cash dividends to net income (ytd only)* | 55.1529% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,298 |
| Loan loss allowance to noncurrent loans | 230.5945% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 1,565 |
| Noncurrent loans to loans | 0.4340% | 1,697 |
| Net loans and leases to total assets | 79.7900% | 663 |
| Net loans and leases to deposits | 104.3388% | 345 |
| Net loans and leases to core deposits | 113.4296% | 832 |
| Total domestic deposits to total assets | 76.4700% | 3,897 |
| Equity capital to assets | 11.1248% | 1,423 |
| Core capital (leverage) ratio | 11.5119% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6739% | 1,993 |
| Memoranda: | ||
| Average total assets | $912,382,400 | 1,068 |
| Average earning assets | $858,415,400 | 1,046 |
| Average equity | $90,049,400 | 1,031 |
| Average total loans | $702,582,400 | 956 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 2,858 |
| Cost of funding earning assets | 1.7374% | 1,113 |
| Net interest margin | 2.7861% | 3,746 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.5110% | 4,309 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.0921% | 2,083 |
| Return on assets (ROA) | 1.0893% | 2,074 |
| Pretax return on assets | 1.3640% | 1,862 |
| Return on Equity (ROE) | 11.4000% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.8130% | 2,995 |
| Net charge-offs to loans | 0.0008% | 2,623 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | 2,248.5000% | 62 |
| Efficiency ratio | 53.4376% | 3,632 |
| Assets per employee ($millions) | 12.8062% | 315 |
| Cash dividends to net income (ytd only)* | 57.7879% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,448 |
| Loan loss allowance to noncurrent loans | 219.6078% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 1,579 |
| Noncurrent loans to loans | 0.4480% | 1,702 |
| Net loans and leases to total assets | 80.3700% | 600 |
| Net loans and leases to deposits | 106.9404% | 275 |
| Net loans and leases to core deposits | 115.8325% | 665 |
| Total domestic deposits to total assets | 75.1600% | 4,084 |
| Equity capital to assets | 10.2093% | 1,699 |
| Core capital (leverage) ratio | 10.3692% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4558% | 2,463 |
| Memoranda: | ||
| Average total assets | $910,817,250 | 1,076 |
| Average earning assets | $856,289,500 | 1,050 |
| Average equity | $87,012,500 | 1,060 |
| Average total loans | $693,132,250 | 967 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,890 |
| Cost of funding earning assets | 1.4002% | 1,020 |
| Net interest margin | 2.8647% | 3,842 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.4591% | 4,422 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0969% | 2,242 |
| Return on assets (ROA) | 1.0969% | 2,205 |
| Pretax return on assets | 1.3750% | 1,948 |
| Return on Equity (ROE) | 11.8100% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.7087% | 2,847 |
| Net charge-offs to loans | 0.0024% | 1,941 |
| Credit loss provision to net charge-offs | 3,275.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 834.5000% | 131 |
| Efficiency ratio | 50.0748% | 3,927 |
| Assets per employee ($millions) | 13.5699% | 274 |
| Cash dividends to net income (ytd only)* | 51.6488% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 2,928 |
| Loan loss allowance to noncurrent loans | 2,147.2067% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,395 |
| Noncurrent loans to loans | 0.0524% | 3,365 |
| Net loans and leases to total assets | 74.2400% | 1,174 |
| Net loans and leases to deposits | 97.0439% | 594 |
| Net loans and leases to core deposits | 103.1279% | 961 |
| Total domestic deposits to total assets | 76.5000% | 4,127 |
| Equity capital to assets | 9.5269% | 2,120 |
| Core capital (leverage) ratio | 9.9039% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4406% | 2,586 |
| Memoranda: | ||
| Average total assets | $917,829,000 | 1,073 |
| Average earning assets | $863,616,500 | 1,049 |
| Average equity | $85,273,500 | 1,079 |
| Average total loans | $672,690,000 | 996 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 2,859 |
| Cost of funding earning assets | 0.7631% | 446 |
| Net interest margin | 2.8155% | 3,863 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.3608% | 4,532 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1538% | 1,955 |
| Return on assets (ROA) | 1.1538% | 1,894 |
| Pretax return on assets | 1.4460% | 1,628 |
| Return on Equity (ROE) | 12.6400% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.4346% | 2,056 |
| Net charge-offs to loans | -0.0012% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.7436% | 4,254 |
| Assets per employee ($millions) | 13.8280% | 257 |
| Cash dividends to net income (ytd only)* | 41.1622% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 1,708 |
| Loan loss allowance to noncurrent loans | 2,454.8209% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,410 |
| Noncurrent loans to loans | 0.0548% | 3,363 |
| Net loans and leases to total assets | 70.5700% | 1,575 |
| Net loans and leases to deposits | 97.8753% | 532 |
| Net loans and leases to core deposits | 101.8861% | 904 |
| Total domestic deposits to total assets | 72.1000% | 4,423 |
| Equity capital to assets | 9.0591% | 2,323 |
| Core capital (leverage) ratio | 9.4182% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6598% | 2,502 |
| Memoranda: | ||
| Average total assets | $894,853,000 | 1,084 |
| Average earning assets | $846,277,000 | 1,061 |
| Average equity | $81,712,200 | 1,110 |
| Average total loans | $640,077,200 | 983 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 2,926 |
| Cost of funding earning assets | 0.6573% | 317 |
| Net interest margin | 2.7418% | 3,850 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.3298% | 4,561 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1396% | 1,932 |
| Return on assets (ROA) | 1.1396% | 1,904 |
| Pretax return on assets | 1.4285% | 1,634 |
| Return on Equity (ROE) | 12.4500% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.9920% | 2,359 |
| Net charge-offs to loans | -0.0017% | 3,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.5796% | 4,300 |
| Assets per employee ($millions) | 13.9531% | 239 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,777 |
| Loan loss allowance to noncurrent loans | 2,448.6034% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,530 |
| Noncurrent loans to loans | 0.0554% | 3,483 |
| Net loans and leases to total assets | 68.2000% | 1,655 |
| Net loans and leases to deposits | 91.4122% | 800 |
| Net loans and leases to core deposits | 94.5666% | 1,061 |
| Total domestic deposits to total assets | 74.6000% | 4,434 |
| Equity capital to assets | 8.7327% | 2,388 |
| Core capital (leverage) ratio | 9.1977% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6134% | 2,614 |
| Memoranda: | ||
| Average total assets | $886,948,000 | 1,095 |
| Average earning assets | $839,140,500 | 1,072 |
| Average equity | $81,157,750 | 1,130 |
| Average total loans | $634,416,500 | 982 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 2,915 |
| Cost of funding earning assets | 0.6207% | 240 |
| Net interest margin | 2.6219% | 3,870 |
| Noninterest income to average assets | 0.2041% | 3,976 |
| Noninterest expense to average assets | 1.3449% | 4,569 |
| Loan and lease loss provision to assets | 0.0558% | 1,583 |
| Net operating income to assets | 1.0257% | 2,066 |
| Return on assets (ROA) | 1.0257% | 2,034 |
| Pretax return on assets | 1.2848% | 1,796 |
| Return on Equity (ROE) | 11.0299% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.1039% | 2,667 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0812% | 4,242 |
| Assets per employee ($millions) | 13.6441% | 254 |
| Cash dividends to net income (ytd only)* | 53.7273% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 1,894 |
| Loan loss allowance to noncurrent loans | 2,151.8428% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,527 |
| Noncurrent loans to loans | 0.0635% | 3,480 |
| Net loans and leases to total assets | 71.2548% | 1,178 |
| Net loans and leases to deposits | 92.6289% | 574 |
| Net loans and leases to core deposits | 96.2088% | 820 |
| Total domestic deposits to total assets | 76.9250% | 4,417 |
| Equity capital to assets | 9.1520% | 2,280 |
| Core capital (leverage) ratio | 9.5019% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8310% | 2,557 |
| Memoranda: | ||
| Average total assets | $870,978,333 | 1,109 |
| Average earning assets | $824,287,333 | 1,086 |
| Average equity | $80,997,667 | 1,148 |
| Average total loans | $630,453,667 | 982 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1416% | 2,850 |
| Cost of funding earning assets | 0.6190% | 231 |
| Net interest margin | 2.5226% | 3,855 |
| Noninterest income to average assets | 0.2127% | 3,888 |
| Noninterest expense to average assets | 1.3510% | 4,579 |
| Loan and lease loss provision to assets | 0.1029% | 808 |
| Net operating income to assets | 0.9200% | 2,201 |
| Return on assets (ROA) | 0.9200% | 2,196 |
| Pretax return on assets | 1.1499% | 1,980 |
| Return on Equity (ROE) | 9.8129% | 2,041 |
| Retained earnings to average equity (ytd only) | 2.3976% | 3,434 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8868% | 4,206 |
| Assets per employee ($millions) | 13.5061% | 277 |
| Cash dividends to net income (ytd only)* | 75.5668% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,001 |
| Loan loss allowance to noncurrent loans | 2,146.6830% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,578 |
| Noncurrent loans to loans | 0.0641% | 3,529 |
| Net loans and leases to total assets | 71.2900% | 900 |
| Net loans and leases to deposits | 91.8360% | 437 |
| Net loans and leases to core deposits | 95.2208% | 685 |
| Total domestic deposits to total assets | 77.6276% | 4,430 |
| Equity capital to assets | 9.1559% | 2,565 |
| Core capital (leverage) ratio | 9.6239% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9879% | 2,611 |
| Memoranda: | ||
| Average total assets | $863,035,000 | 1,123 |
| Average earning assets | $818,057,500 | 1,100 |
| Average equity | $80,913,500 | 1,186 |
| Average total loans | $625,334,500 | 984 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 2,228 |
| Cost of funding earning assets | 0.6952% | 332 |
| Net interest margin | 2.9624% | 3,288 |
| Noninterest income to average assets | 0.3059% | 3,579 |
| Noninterest expense to average assets | 1.3721% | 4,639 |
| Loan and lease loss provision to assets | 0.0659% | 1,745 |
| Net operating income to assets | 1.3302% | 1,517 |
| Return on assets (ROA) | 1.3302% | 1,552 |
| Pretax return on assets | 1.6707% | 1,217 |
| Return on Equity (ROE) | 13.4243% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.6776% | 1,665 |
| Net charge-offs to loans | -0.0008% | 3,265 |
| Credit loss provision to net charge-offs | -10,420.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1364% | 4,568 |
| Assets per employee ($millions) | 12.8511% | 326 |
| Cash dividends to net income (ytd only)* | 42.8082% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,990 |
| Loan loss allowance to noncurrent loans | 2,092.1376% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,656 |
| Noncurrent loans to loans | 0.0661% | 3,611 |
| Net loans and leases to total assets | 71.6321% | 865 |
| Net loans and leases to deposits | 91.8857% | 484 |
| Net loans and leases to core deposits | 95.6626% | 710 |
| Total domestic deposits to total assets | 77.9578% | 4,397 |
| Equity capital to assets | 9.6028% | 3,044 |
| Core capital (leverage) ratio | 9.8280% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3591% | 2,508 |
| Memoranda: | ||
| Average total assets | $790,244,000 | 1,176 |
| Average earning assets | $747,713,800 | 1,155 |
| Average equity | $78,305,800 | 1,228 |
| Average total loans | $615,370,600 | 982 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 2,418 |
| Cost of funding earning assets | 0.7095% | 362 |
| Net interest margin | 2.9404% | 3,460 |
| Noninterest income to average assets | 0.3216% | 3,507 |
| Noninterest expense to average assets | 1.3810% | 4,703 |
| Loan and lease loss provision to assets | 0.0749% | 1,552 |
| Net operating income to assets | 1.3105% | 1,796 |
| Return on assets (ROA) | 1.3105% | 1,848 |
| Pretax return on assets | 1.6463% | 1,564 |
| Return on Equity (ROE) | 13.1145% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.8368% | 2,481 |
| Net charge-offs to loans | -0.0011% | 3,127 |
| Credit loss provision to net charge-offs | -8,720.0000% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5152% | 4,564 |
| Assets per employee ($millions) | 12.1002% | 362 |
| Cash dividends to net income (ytd only)* | 47.8689% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,318 |
| Loan loss allowance to noncurrent loans | 2,071.0074% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,799 |
| Noncurrent loans to loans | 0.0643% | 3,774 |
| Net loans and leases to total assets | 78.1436% | 395 |
| Net loans and leases to deposits | 101.7662% | 193 |
| Net loans and leases to core deposits | 106.1201% | 405 |
| Total domestic deposits to total assets | 76.7874% | 4,504 |
| Equity capital to assets | 9.9675% | 2,933 |
| Core capital (leverage) ratio | 10.0092% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2531% | 2,628 |
| Memoranda: | ||
| Average total assets | $775,761,750 | 1,202 |
| Average earning assets | $733,611,750 | 1,186 |
| Average equity | $77,520,250 | 1,255 |
| Average total loans | $615,193,500 | 999 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 2,494 |
| Cost of funding earning assets | 0.7172% | 426 |
| Net interest margin | 2.9254% | 3,513 |
| Noninterest income to average assets | 0.2981% | 3,647 |
| Noninterest expense to average assets | 1.4036% | 4,714 |
| Loan and lease loss provision to assets | 0.0713% | 1,632 |
| Net operating income to assets | 1.2628% | 1,986 |
| Return on assets (ROA) | 1.2628% | 2,058 |
| Pretax return on assets | 1.5864% | 1,775 |
| Return on Equity (ROE) | 12.6259% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.3367% | 3,057 |
| Net charge-offs to loans | -0.0016% | 3,153 |
| Credit loss provision to net charge-offs | -5,480.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8496% | 4,524 |
| Assets per employee ($millions) | 12.4412% | 319 |
| Cash dividends to net income (ytd only)* | 57.7320% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,265 |
| Loan loss allowance to noncurrent loans | 2,031.4496% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,908 |
| Noncurrent loans to loans | 0.0657% | 3,863 |
| Net loans and leases to total assets | 76.7449% | 525 |
| Net loans and leases to deposits | 99.4030% | 272 |
| Net loans and leases to core deposits | 103.5513% | 546 |
| Total domestic deposits to total assets | 77.2058% | 4,501 |
| Equity capital to assets | 9.7618% | 3,079 |
| Core capital (leverage) ratio | 9.8326% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4222% | 2,570 |
| Memoranda: | ||
| Average total assets | $768,144,667 | 1,203 |
| Average earning assets | $725,586,000 | 1,187 |
| Average equity | $76,826,333 | 1,257 |
| Average total loans | $609,426,667 | 1,016 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 2,053 |
| Cost of funding earning assets | 0.7449% | 461 |
| Net interest margin | 3.0738% | 3,073 |
| Noninterest income to average assets | 0.3267% | 3,467 |
| Noninterest expense to average assets | 1.4168% | 4,729 |
| Loan and lease loss provision to assets | 0.0377% | 2,272 |
| Net operating income to assets | 1.4110% | 1,539 |
| Return on assets (ROA) | 1.4110% | 1,610 |
| Pretax return on assets | 1.7748% | 1,342 |
| Return on Equity (ROE) | 13.9311% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.1227% | 2,538 |
| Net charge-offs to loans | 0.0007% | 1,918 |
| Credit loss provision to net charge-offs | 7,100.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 3,417.0000% | 13 |
| Efficiency ratio | 43.8732% | 4,585 |
| Assets per employee ($millions) | 12.1075% | 338 |
| Cash dividends to net income (ytd only)* | 48.8722% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,366 |
| Loan loss allowance to noncurrent loans | 1,980.0983% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,003 |
| Noncurrent loans to loans | 0.0665% | 3,957 |
| Net loans and leases to total assets | 77.9793% | 469 |
| Net loans and leases to deposits | 100.9803% | 260 |
| Net loans and leases to core deposits | 105.3347% | 533 |
| Total domestic deposits to total assets | 77.2223% | 4,501 |
| Equity capital to assets | 9.9635% | 2,733 |
| Core capital (leverage) ratio | 10.1083% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7756% | 2,386 |
| Memoranda: | ||
| Average total assets | $754,098,000 | 1,208 |
| Average earning assets | $712,077,000 | 1,192 |
| Average equity | $76,376,000 | 1,258 |
| Average total loans | $604,470,000 | 1,020 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 2,439 |
| Cost of funding earning assets | 0.9790% | 644 |
| Net interest margin | 3.1146% | 3,596 |
| Noninterest income to average assets | 0.3533% | 3,353 |
| Noninterest expense to average assets | 1.4527% | 4,812 |
| Loan and lease loss provision to assets | 0.1393% | 2,616 |
| Net operating income to assets | 1.3549% | 1,114 |
| Return on assets (ROA) | 1.3549% | 1,210 |
| Pretax return on assets | 1.6858% | 876 |
| Return on Equity (ROE) | 13.0928% | 1,019 |
| Retained earnings to average equity (ytd only) | 9.2718% | 715 |
| Net charge-offs to loans | -0.0383% | 4,612 |
| Credit loss provision to net charge-offs | -440.4545% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3192% | 4,777 |
| Assets per employee ($millions) | 11.2818% | 378 |
| Cash dividends to net income (ytd only)* | 29.1839% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 2,236 |
| Loan loss allowance to noncurrent loans | 1,530.2682% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,984 |
| Noncurrent loans to loans | 0.0875% | 3,937 |
| Net loans and leases to total assets | 80.2719% | 404 |
| Net loans and leases to deposits | 106.8019% | 215 |
| Net loans and leases to core deposits | 111.1361% | 478 |
| Total domestic deposits to total assets | 75.1597% | 4,567 |
| Equity capital to assets | 10.3021% | 2,835 |
| Core capital (leverage) ratio | 10.2722% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5265% | 2,435 |
| Memoranda: | ||
| Average total assets | $695,463,400 | 1,189 |
| Average earning assets | $653,011,000 | 1,178 |
| Average equity | $71,970,600 | 1,271 |
| Average total loans | $573,792,600 | 1,020 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0046% | 2,960 |
| Cost of funding earning assets | 1.0235% | 704 |
| Net interest margin | 2.9811% | 4,019 |
| Noninterest income to average assets | 0.3714% | 3,230 |
| Noninterest expense to average assets | 1.4569% | 4,837 |
| Loan and lease loss provision to assets | 0.1223% | 2,802 |
| Net operating income to assets | 1.2828% | 1,392 |
| Return on assets (ROA) | 1.2828% | 1,500 |
| Pretax return on assets | 1.5895% | 1,214 |
| Return on Equity (ROE) | 12.3807% | 1,279 |
| Retained earnings to average equity (ytd only) | 8.8166% | 1,035 |
| Net charge-offs to loans | -0.0681% | 4,750 |
| Credit loss provision to net charge-offs | -216.8966% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9793% | 4,709 |
| Assets per employee ($millions) | 11.8090% | 334 |
| Cash dividends to net income (ytd only)* | 28.7879% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,422 |
| Loan loss allowance to noncurrent loans | 1,478.7356% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,068 |
| Noncurrent loans to loans | 0.0841% | 4,030 |
| Net loans and leases to total assets | 85.0452% | 207 |
| Net loans and leases to deposits | 113.2569% | 176 |
| Net loans and leases to core deposits | 118.4938% | 447 |
| Total domestic deposits to total assets | 75.0906% | 4,496 |
| Equity capital to assets | 10.1961% | 3,072 |
| Core capital (leverage) ratio | 10.2270% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4988% | 2,418 |
| Memoranda: | ||
| Average total assets | $686,000,250 | 1,177 |
| Average earning assets | $643,682,500 | 1,169 |
| Average equity | $71,076,500 | 1,266 |
| Average total loans | $568,082,000 | 1,025 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,485 |
| Cost of funding earning assets | 1.0785% | 767 |
| Net interest margin | 2.8658% | 4,362 |
| Noninterest income to average assets | 0.2751% | 3,827 |
| Noninterest expense to average assets | 1.5109% | 4,839 |
| Loan and lease loss provision to assets | 0.0163% | 4,029 |
| Net operating income to assets | 1.1474% | 1,810 |
| Return on assets (ROA) | 1.1474% | 1,937 |
| Pretax return on assets | 1.4368% | 1,621 |
| Return on Equity (ROE) | 11.0121% | 1,626 |
| Retained earnings to average equity (ytd only) | 8.0243% | 1,297 |
| Net charge-offs to loans | -0.1053% | 4,860 |
| Credit loss provision to net charge-offs | -18.9655% | 3,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9753% | 4,442 |
| Assets per employee ($millions) | 11.8704% | 326 |
| Cash dividends to net income (ytd only)* | 27.1318% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,542 |
| Loan loss allowance to noncurrent loans | 1,368.7739% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 4,161 |
| Noncurrent loans to loans | 0.0873% | 4,109 |
| Net loans and leases to total assets | 82.9241% | 332 |
| Net loans and leases to deposits | 109.3673% | 244 |
| Net loans and leases to core deposits | 114.1527% | 589 |
| Total domestic deposits to total assets | 75.8217% | 4,443 |
| Equity capital to assets | 10.0407% | 3,164 |
| Core capital (leverage) ratio | 10.1013% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7714% | 2,285 |
| Memoranda: | ||
| Average total assets | $674,551,667 | 1,181 |
| Average earning assets | $632,908,333 | 1,166 |
| Average equity | $70,286,333 | 1,261 |
| Average total loans | $550,663,000 | 1,037 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 3,335 |
| Cost of funding earning assets | 1.1863% | 809 |
| Net interest margin | 2.9793% | 4,317 |
| Noninterest income to average assets | 0.3233% | 3,585 |
| Noninterest expense to average assets | 1.5122% | 4,913 |
| Loan and lease loss provision to assets | 0.0128% | 3,619 |
| Net operating income to assets | 1.2713% | 1,324 |
| Return on assets (ROA) | 1.2713% | 1,422 |
| Pretax return on assets | 1.5928% | 1,071 |
| Return on Equity (ROE) | 11.9644% | 1,115 |
| Retained earnings to average equity (ytd only) | 10.8162% | 594 |
| Net charge-offs to loans | -0.2201% | 4,952 |
| Credit loss provision to net charge-offs | -7.2414% | 3,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5032% | 4,733 |
| Assets per employee ($millions) | 10.8227% | 316 |
| Cash dividends to net income (ytd only)* | 9.5969% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,937 |
| Loan loss allowance to noncurrent loans | 1,362.2605% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,219 |
| Noncurrent loans to loans | 0.0986% | 4,114 |
| Net loans and leases to total assets | 77.8192% | 1,006 |
| Net loans and leases to deposits | 105.0823% | 329 |
| Net loans and leases to core deposits | 110.3825% | 835 |
| Total domestic deposits to total assets | 74.0554% | 4,658 |
| Equity capital to assets | 10.4869% | 3,336 |
| Core capital (leverage) ratio | 10.6939% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5061% | 2,478 |
| Memoranda: | ||
| Average total assets | $655,717,000 | 1,181 |
| Average earning assets | $615,043,000 | 1,160 |
| Average equity | $69,673,500 | 1,265 |
| Average total loans | $527,120,500 | 1,050 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 3,425 |
| Cost of funding earning assets | 1.1832% | 1,064 |
| Net interest margin | 3.1562% | 4,277 |
| Noninterest income to average assets | 0.2152% | 4,377 |
| Noninterest expense to average assets | 1.4734% | 5,012 |
| Loan and lease loss provision to assets | 0.0322% | 3,370 |
| Net operating income to assets | 1.3276% | 1,590 |
| Return on assets (ROA) | 1.3276% | 1,668 |
| Pretax return on assets | 1.6671% | 1,277 |
| Return on Equity (ROE) | 12.6784% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.5440% | 1,588 |
| Net charge-offs to loans | 0.0019% | 3,636 |
| Credit loss provision to net charge-offs | 2,050.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 1,081.9000% | 90 |
| Efficiency ratio | 46.4406% | 4,895 |
| Assets per employee ($millions) | 11.0418% | 291 |
| Cash dividends to net income (ytd only)* | 48.3852% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 1,942 |
| Loan loss allowance to noncurrent loans | 1,670.7617% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 4,307 |
| Noncurrent loans to loans | 0.0775% | 4,218 |
| Net loans and leases to total assets | 80.9082% | 678 |
| Net loans and leases to deposits | 108.2934% | 221 |
| Net loans and leases to core deposits | 113.9934% | 670 |
| Total domestic deposits to total assets | 74.7120% | 4,722 |
| Equity capital to assets | 10.7708% | 3,208 |
| Core capital (leverage) ratio | 10.7489% | 2,721 |
| Tier 1 risk-based capital ratio | 12.0277% | 4,351 |
| Total risk-based capital ratio | 13.2353% | 4,247 |
| Memoranda: | ||
| Average total assets | $636,691,400 | 1,171 |
| Average earning assets | $596,596,200 | 1,157 |
| Average equity | $66,672,200 | 1,272 |
| Average total loans | $514,085,600 | 1,051 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 3,548 |
| Cost of funding earning assets | 1.1628% | 1,130 |
| Net interest margin | 3.1778% | 4,348 |
| Noninterest income to average assets | 0.2087% | 4,474 |
| Noninterest expense to average assets | 1.4691% | 5,085 |
| Loan and lease loss provision to assets | 0.0338% | 3,230 |
| Net operating income to assets | 1.3393% | 1,682 |
| Return on assets (ROA) | 1.3393% | 1,756 |
| Pretax return on assets | 1.6828% | 1,389 |
| Return on Equity (ROE) | 12.8820% | 1,322 |
| Retained earnings to average equity (ytd only) | 6.1445% | 2,300 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1159% | 4,933 |
| Assets per employee ($millions) | 11.3998% | 248 |
| Cash dividends to net income (ytd only)* | 52.3019% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 1,899 |
| Loan loss allowance to noncurrent loans | 1,662.4079% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,397 |
| Noncurrent loans to loans | 0.0791% | 4,287 |
| Net loans and leases to total assets | 78.1017% | 1,124 |
| Net loans and leases to deposits | 103.1295% | 447 |
| Net loans and leases to core deposits | 109.1131% | 987 |
| Total domestic deposits to total assets | 75.7317% | 4,673 |
| Equity capital to assets | 10.4144% | 3,622 |
| Core capital (leverage) ratio | 10.3399% | 3,274 |
| Tier 1 risk-based capital ratio | 11.8125% | 4,507 |
| Total risk-based capital ratio | 13.0171% | 4,432 |
| Memoranda: | ||
| Average total assets | $635,757,500 | 1,174 |
| Average earning assets | $595,571,000 | 1,157 |
| Average equity | $66,095,500 | 1,279 |
| Average total loans | $511,367,500 | 1,055 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 3,614 |
| Cost of funding earning assets | 1.1161% | 1,236 |
| Net interest margin | 3.1922% | 4,386 |
| Noninterest income to average assets | 0.2079% | 4,497 |
| Noninterest expense to average assets | 1.4768% | 5,130 |
| Loan and lease loss provision to assets | 0.0510% | 2,791 |
| Net operating income to assets | 1.3292% | 1,659 |
| Return on assets (ROA) | 1.3292% | 1,720 |
| Pretax return on assets | 1.6711% | 1,331 |
| Return on Equity (ROE) | 12.7924% | 1,305 |
| Retained earnings to average equity (ytd only) | 7.1801% | 1,732 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1660% | 4,983 |
| Assets per employee ($millions) | 10.7895% | 275 |
| Cash dividends to net income (ytd only)* | 43.8722% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 1,986 |
| Loan loss allowance to noncurrent loans | 1,889.9441% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,481 |
| Noncurrent loans to loans | 0.0691% | 4,370 |
| Net loans and leases to total assets | 80.2876% | 840 |
| Net loans and leases to deposits | 107.0161% | 303 |
| Net loans and leases to core deposits | 112.7153% | 836 |
| Total domestic deposits to total assets | 75.0239% | 4,765 |
| Equity capital to assets | 10.5151% | 3,503 |
| Core capital (leverage) ratio | 10.5570% | 3,027 |
| Tier 1 risk-based capital ratio | 11.7596% | 4,540 |
| Total risk-based capital ratio | 12.9691% | 4,468 |
| Memoranda: | ||
| Average total assets | $631,080,000 | 1,176 |
| Average earning assets | $591,324,330 | 1,162 |
| Average equity | $65,570,000 | 1,281 |
| Average total loans | $510,402,330 | 1,059 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 3,752 |
| Cost of funding earning assets | 1.0679% | 1,299 |
| Net interest margin | 3.1704% | 4,455 |
| Noninterest income to average assets | 0.1897% | 4,617 |
| Noninterest expense to average assets | 1.4184% | 5,214 |
| Loan and lease loss provision to assets | 0.0949% | 1,840 |
| Net operating income to assets | 1.3082% | 1,673 |
| Return on assets (ROA) | 1.3082% | 1,712 |
| Pretax return on assets | 1.6475% | 1,352 |
| Return on Equity (ROE) | 12.6683% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.5653% | 2,216 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8741% | 5,072 |
| Assets per employee ($millions) | 10.7769% | 270 |
| Cash dividends to net income (ytd only)* | 48.1752% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,008 |
| Loan loss allowance to noncurrent loans | 1,392.5773% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,431 |
| Noncurrent loans to loans | 0.0946% | 4,323 |
| Net loans and leases to total assets | 79.5764% | 893 |
| Net loans and leases to deposits | 105.4070% | 338 |
| Net loans and leases to core deposits | 111.1358% | 873 |
| Total domestic deposits to total assets | 75.4944% | 4,817 |
| Equity capital to assets | 10.3000% | 3,522 |
| Core capital (leverage) ratio | 10.5046% | 3,044 |
| Tier 1 risk-based capital ratio | 11.6625% | 4,647 |
| Total risk-based capital ratio | 12.8834% | 4,547 |
| Memoranda: | ||
| Average total assets | $628,330,000 | 1,183 |
| Average earning assets | $588,827,000 | 1,171 |
| Average equity | $64,886,500 | 1,284 |
| Average total loans | $506,673,000 | 1,062 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 3,687 |
| Cost of funding earning assets | 0.9908% | 791 |
| Net interest margin | 3.1270% | 4,616 |
| Noninterest income to average assets | 0.1940% | 4,746 |
| Noninterest expense to average assets | 1.5768% | 5,182 |
| Loan and lease loss provision to assets | 0.0798% | 2,529 |
| Net operating income to assets | 1.1809% | 2,266 |
| Return on assets (ROA) | 1.1809% | 2,260 |
| Pretax return on assets | 1.4868% | 1,823 |
| Return on Equity (ROE) | 11.6931% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.9833% | 2,203 |
| Net charge-offs to loans | 0.0207% | 3,013 |
| Credit loss provision to net charge-offs | 491.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 96.4400% | 755 |
| Efficiency ratio | 50.1628% | 4,933 |
| Assets per employee ($millions) | 10.3470% | 311 |
| Cash dividends to net income (ytd only)* | 48.8308% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,952 |
| Loan loss allowance to noncurrent loans | 1,361.8557% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,428 |
| Noncurrent loans to loans | 0.0969% | 4,306 |
| Net loans and leases to total assets | 79.5735% | 1,004 |
| Net loans and leases to deposits | 105.2550% | 405 |
| Net loans and leases to core deposits | 110.6386% | 963 |
| Total domestic deposits to total assets | 75.6007% | 4,797 |
| Equity capital to assets | 10.3543% | 3,323 |
| Core capital (leverage) ratio | 10.3759% | 3,166 |
| Tier 1 risk-based capital ratio | 11.7224% | 4,615 |
| Total risk-based capital ratio | 12.9420% | 4,508 |
| Memoranda: | ||
| Average total assets | $615,618,600 | 1,174 |
| Average earning assets | $580,654,200 | 1,157 |
| Average equity | $62,173,400 | 1,281 |
| Average total loans | $483,780,000 | 1,079 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,791 |
| Cost of funding earning assets | 0.9762% | 654 |
| Net interest margin | 3.0716% | 4,751 |
| Noninterest income to average assets | 0.1432% | 5,057 |
| Noninterest expense to average assets | 1.5503% | 5,247 |
| Loan and lease loss provision to assets | 0.0831% | 2,297 |
| Net operating income to assets | 1.1190% | 2,583 |
| Return on assets (ROA) | 1.1190% | 2,596 |
| Pretax return on assets | 1.4114% | 2,189 |
| Return on Equity (ROE) | 11.1515% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.2578% | 3,084 |
| Net charge-offs to loans | 0.0278% | 2,550 |
| Credit loss provision to net charge-offs | 383.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 68.8600% | 969 |
| Efficiency ratio | 50.9160% | 4,889 |
| Assets per employee ($millions) | 10.6055% | 277 |
| Cash dividends to net income (ytd only)* | 52.8510% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,045 |
| Loan loss allowance to noncurrent loans | 1,317.8499% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 4,586 |
| Noncurrent loans to loans | 0.0996% | 4,442 |
| Net loans and leases to total assets | 76.7792% | 1,541 |
| Net loans and leases to deposits | 103.6430% | 569 |
| Net loans and leases to core deposits | 108.5950% | 1,124 |
| Total domestic deposits to total assets | 74.0805% | 4,973 |
| Equity capital to assets | 9.8782% | 3,761 |
| Core capital (leverage) ratio | 9.8488% | 3,798 |
| Tier 1 risk-based capital ratio | 11.3577% | 4,869 |
| Total risk-based capital ratio | 12.5437% | 4,797 |
| Memoranda: | ||
| Average total assets | $614,317,750 | 1,183 |
| Average earning assets | $580,310,500 | 1,160 |
| Average equity | $61,646,250 | 1,291 |
| Average total loans | $479,571,250 | 1,088 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,842 |
| Cost of funding earning assets | 0.9349% | 626 |
| Net interest margin | 3.0449% | 4,817 |
| Noninterest income to average assets | 0.1358% | 5,134 |
| Noninterest expense to average assets | 1.5846% | 5,281 |
| Loan and lease loss provision to assets | 0.1077% | 1,823 |
| Net operating income to assets | 1.0472% | 2,822 |
| Return on assets (ROA) | 1.0472% | 2,816 |
| Pretax return on assets | 1.3259% | 2,413 |
| Return on Equity (ROE) | 10.3784% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.7451% | 3,211 |
| Net charge-offs to loans | 0.0422% | 2,020 |
| Credit loss provision to net charge-offs | 327.0000% | 947 |
| Earnings coverage of net charge-offs (x) | 43.5100% | 1,231 |
| Efficiency ratio | 52.5000% | 4,837 |
| Assets per employee ($millions) | 10.7082% | 261 |
| Cash dividends to net income (ytd only)* | 54.2794% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,022 |
| Loan loss allowance to noncurrent loans | 598.6059% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,151 |
| Noncurrent loans to loans | 0.2226% | 3,925 |
| Net loans and leases to total assets | 74.2417% | 1,908 |
| Net loans and leases to deposits | 99.3471% | 851 |
| Net loans and leases to core deposits | 104.5029% | 1,354 |
| Total domestic deposits to total assets | 74.7296% | 4,974 |
| Equity capital to assets | 9.6378% | 3,974 |
| Core capital (leverage) ratio | 9.7843% | 3,805 |
| Tier 1 risk-based capital ratio | 11.3695% | 4,855 |
| Total risk-based capital ratio | 12.5503% | 4,796 |
| Memoranda: | ||
| Average total assets | $606,980,000 | 1,197 |
| Average earning assets | $574,594,000 | 1,172 |
| Average equity | $61,242,330 | 1,301 |
| Average total loans | $474,406,000 | 1,103 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 3,717 |
| Cost of funding earning assets | 0.8666% | 704 |
| Net interest margin | 3.1049% | 4,701 |
| Noninterest income to average assets | 0.1398% | 5,168 |
| Noninterest expense to average assets | 1.6836% | 5,259 |
| Loan and lease loss provision to assets | 0.0862% | 2,074 |
| Net operating income to assets | 1.0292% | 2,735 |
| Return on assets (ROA) | 1.0292% | 2,752 |
| Pretax return on assets | 1.3204% | 2,287 |
| Return on Equity (ROE) | 9.9569% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.0310% | 3,158 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4815% | 4,753 |
| Assets per employee ($millions) | 10.3256% | 290 |
| Cash dividends to net income (ytd only)* | 49.4723% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,078 |
| Loan loss allowance to noncurrent loans | 281.3221% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 3,320 |
| Noncurrent loans to loans | 0.4748% | 3,099 |
| Net loans and leases to total assets | 78.2087% | 1,211 |
| Net loans and leases to deposits | 105.8972% | 386 |
| Net loans and leases to core deposits | 110.1664% | 999 |
| Total domestic deposits to total assets | 73.8534% | 5,171 |
| Equity capital to assets | 10.2253% | 3,364 |
| Core capital (leverage) ratio | 10.4813% | 2,965 |
| Tier 1 risk-based capital ratio | 11.7349% | 4,723 |
| Total risk-based capital ratio | 12.9481% | 4,629 |
| Memoranda: | ||
| Average total assets | $589,224,000 | 1,232 |
| Average earning assets | $559,892,000 | 1,209 |
| Average equity | $60,902,500 | 1,315 |
| Average total loans | $469,890,000 | 1,123 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 3,087 |
| Cost of funding earning assets | 0.8723% | 433 |
| Net interest margin | 3.2188% | 4,401 |
| Noninterest income to average assets | 0.1599% | 5,162 |
| Noninterest expense to average assets | 1.5926% | 5,420 |
| Loan and lease loss provision to assets | 0.0467% | 3,295 |
| Net operating income to assets | 0.9313% | 2,544 |
| Return on assets (ROA) | 1.0787% | 1,960 |
| Pretax return on assets | 1.8037% | 791 |
| Return on Equity (ROE) | 10.2153% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.1715% | 1,453 |
| Net charge-offs to loans | 0.0321% | 3,153 |
| Credit loss provision to net charge-offs | 185.3147% | 1,464 |
| Earnings coverage of net charge-offs (x) | 64.3357% | 907 |
| Efficiency ratio | 49.5725% | 5,240 |
| Assets per employee ($millions) | 9.9925% | 319 |
| Cash dividends to net income (ytd only)* | 39.5854% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 2,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.1709% | 1,084 |
| Net loans and leases to deposits | 107.6007% | 335 |
| Net loans and leases to core deposits | 110.9707% | 954 |
| Total domestic deposits to total assets | 73.5784% | 5,221 |
| Equity capital to assets | 10.4505% | 3,212 |
| Core capital (leverage) ratio | 10.5870% | 2,750 |
| Tier 1 risk-based capital ratio | 11.7287% | 4,698 |
| Total risk-based capital ratio | 12.9321% | 4,618 |
| Memoranda: | ||
| Average total assets | $567,893,400 | 1,253 |
| Average earning assets | $538,583,000 | 1,227 |
| Average equity | $59,968,800 | 1,310 |
| Average total loans | $445,866,200 | 1,137 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,492 |
| Cost of funding earning assets | 0.8755% | 401 |
| Net interest margin | 3.0835% | 4,749 |
| Noninterest income to average assets | 0.1576% | 5,228 |
| Noninterest expense to average assets | 1.5538% | 5,487 |
| Loan and lease loss provision to assets | 0.0031% | 4,047 |
| Net operating income to assets | 1.0301% | 2,411 |
| Return on assets (ROA) | 1.0301% | 2,450 |
| Pretax return on assets | 1.5240% | 1,693 |
| Return on Equity (ROE) | 9.7291% | 2,241 |
| Retained earnings to average equity (ytd only) | 4.8813% | 2,961 |
| Net charge-offs to loans | 0.0076% | 3,462 |
| Credit loss provision to net charge-offs | 52.0000% | 2,891 |
| Earnings coverage of net charge-offs (x) | 258.8593% | 342 |
| Efficiency ratio | 50.4328% | 5,217 |
| Assets per employee ($millions) | 9.8122% | 335 |
| Cash dividends to net income (ytd only)* | 49.8283% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,930 |
| Loan loss allowance to noncurrent loans | 9,500.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,201 |
| Noncurrent loans to loans | 0.0146% | 5,079 |
| Net loans and leases to total assets | 75.7583% | 1,626 |
| Net loans and leases to deposits | 104.1227% | 491 |
| Net loans and leases to core deposits | 107.5765% | 1,162 |
| Total domestic deposits to total assets | 72.7587% | 5,337 |
| Equity capital to assets | 10.6678% | 3,197 |
| Core capital (leverage) ratio | 10.1962% | 3,319 |
| Tier 1 risk-based capital ratio | 11.6201% | 4,870 |
| Total risk-based capital ratio | 12.8355% | 4,781 |
| Memoranda: | ||
| Average total assets | $564,976,000 | 1,266 |
| Average earning assets | $535,606,750 | 1,241 |
| Average equity | $59,819,250 | 1,322 |
| Average total loans | $441,068,000 | 1,155 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,567 |
| Cost of funding earning assets | 0.8545% | 397 |
| Net interest margin | 3.0393% | 4,819 |
| Noninterest income to average assets | 0.1551% | 5,283 |
| Noninterest expense to average assets | 1.5763% | 5,513 |
| Loan and lease loss provision to assets | 0.0046% | 3,813 |
| Net operating income to assets | 0.9837% | 2,511 |
| Return on assets (ROA) | 0.9837% | 2,557 |
| Pretax return on assets | 1.4556% | 1,808 |
| Return on Equity (ROE) | 9.3142% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.8621% | 2,804 |
| Net charge-offs to loans | 0.0095% | 3,125 |
| Credit loss provision to net charge-offs | 61.9048% | 2,449 |
| Earnings coverage of net charge-offs (x) | 195.9524% | 417 |
| Efficiency ratio | 51.9107% | 5,182 |
| Assets per employee ($millions) | 9.8983% | 311 |
| Cash dividends to net income (ytd only)* | 47.7994% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 2,002 |
| Loan loss allowance to noncurrent loans | 5,432.1429% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,205 |
| Noncurrent loans to loans | 0.0255% | 5,062 |
| Net loans and leases to total assets | 75.3533% | 1,637 |
| Net loans and leases to deposits | 102.2530% | 599 |
| Net loans and leases to core deposits | 105.7768% | 1,249 |
| Total domestic deposits to total assets | 73.6930% | 5,322 |
| Equity capital to assets | 10.5145% | 3,322 |
| Core capital (leverage) ratio | 10.0777% | 3,432 |
| Tier 1 risk-based capital ratio | 11.3397% | 5,060 |
| Total risk-based capital ratio | 12.5436% | 4,976 |
| Memoranda: | ||
| Average total assets | $563,599,000 | 1,278 |
| Average earning assets | $534,326,000 | 1,247 |
| Average equity | $59,522,000 | 1,327 |
| Average total loans | $442,348,670 | 1,158 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 3,405 |
| Cost of funding earning assets | 0.8278% | 422 |
| Net interest margin | 3.0710% | 4,731 |
| Noninterest income to average assets | 0.1555% | 5,342 |
| Noninterest expense to average assets | 1.5768% | 5,577 |
| Loan and lease loss provision to assets | 0.0093% | 3,439 |
| Net operating income to assets | 1.0001% | 2,302 |
| Return on assets (ROA) | 1.0001% | 2,352 |
| Pretax return on assets | 1.4822% | 1,597 |
| Return on Equity (ROE) | 9.4482% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.8798% | 2,962 |
| Net charge-offs to loans | 0.0162% | 2,470 |
| Credit loss provision to net charge-offs | 72.2222% | 1,818 |
| Earnings coverage of net charge-offs (x) | 115.6667% | 473 |
| Efficiency ratio | 51.3892% | 5,295 |
| Assets per employee ($millions) | 9.8367% | 324 |
| Cash dividends to net income (ytd only)* | 48.3524% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,177 |
| Loan loss allowance to noncurrent loans | 6,211.2245% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,278 |
| Noncurrent loans to loans | 0.0222% | 5,132 |
| Net loans and leases to total assets | 77.7231% | 1,169 |
| Net loans and leases to deposits | 104.2535% | 389 |
| Net loans and leases to core deposits | 107.4905% | 997 |
| Total domestic deposits to total assets | 74.5521% | 5,372 |
| Equity capital to assets | 10.6120% | 3,053 |
| Core capital (leverage) ratio | 10.1836% | 3,257 |
| Tier 1 risk-based capital ratio | 11.2390% | 5,182 |
| Total risk-based capital ratio | 12.4580% | 5,096 |
| Memoranda: | ||
| Average total assets | $558,347,500 | 1,288 |
| Average earning assets | $529,602,000 | 1,254 |
| Average equity | $59,101,000 | 1,333 |
| Average total loans | $444,178,500 | 1,147 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 3,899 |
| Cost of funding earning assets | 0.8576% | 372 |
| Net interest margin | 2.9471% | 5,053 |
| Noninterest income to average assets | 0.1442% | 5,472 |
| Noninterest expense to average assets | 1.4858% | 5,727 |
| Loan and lease loss provision to assets | 0.1695% | 1,441 |
| Net operating income to assets | 0.8794% | 2,932 |
| Return on assets (ROA) | 0.8797% | 3,045 |
| Pretax return on assets | 1.2832% | 2,339 |
| Return on Equity (ROE) | 8.5619% | 2,636 |
| Retained earnings to average equity (ytd only) | 4.0000% | 3,072 |
| Net charge-offs to loans | 0.0982% | 2,313 |
| Credit loss provision to net charge-offs | 227.7108% | 1,260 |
| Earnings coverage of net charge-offs (x) | 19.5133% | 1,907 |
| Efficiency ratio | 50.5737% | 5,461 |
| Assets per employee ($millions) | 9.7544% | 332 |
| Cash dividends to net income (ytd only)* | 53.2817% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,245 |
| Loan loss allowance to noncurrent loans | 33,844.4444% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,428 |
| Noncurrent loans to loans | 0.0040% | 5,300 |
| Net loans and leases to total assets | 79.2065% | 1,002 |
| Net loans and leases to deposits | 107.7533% | 281 |
| Net loans and leases to core deposits | 111.1518% | 820 |
| Total domestic deposits to total assets | 73.5072% | 5,472 |
| Equity capital to assets | 10.5577% | 3,092 |
| Core capital (leverage) ratio | 10.0623% | 3,413 |
| Tier 1 risk-based capital ratio | 11.1363% | 5,265 |
| Total risk-based capital ratio | 12.3537% | 5,172 |
| Memoranda: | ||
| Average total assets | $557,674,600 | 1,247 |
| Average earning assets | $528,655,800 | 1,210 |
| Average equity | $57,300,600 | 1,338 |
| Average total loans | $422,794,600 | 1,157 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,061 |
| Cost of funding earning assets | 0.8635% | 357 |
| Net interest margin | 2.8925% | 5,198 |
| Noninterest income to average assets | 0.1269% | 5,617 |
| Noninterest expense to average assets | 1.4676% | 5,781 |
| Loan and lease loss provision to assets | 0.0905% | 2,418 |
| Net operating income to assets | 0.8997% | 2,909 |
| Return on assets (ROA) | 0.9002% | 3,045 |
| Pretax return on assets | 1.3111% | 2,384 |
| Return on Equity (ROE) | 8.8215% | 2,597 |
| Retained earnings to average equity (ytd only) | 4.2820% | 3,276 |
| Net charge-offs to loans | 0.0016% | 3,882 |
| Credit loss provision to net charge-offs | 7,580.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,172.1844% | 58 |
| Efficiency ratio | 51.1618% | 5,435 |
| Assets per employee ($millions) | 10.2920% | 275 |
| Cash dividends to net income (ytd only)* | 51.4597% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.6374% | 1,256 |
| Net loans and leases to deposits | 104.9653% | 412 |
| Net loans and leases to core deposits | 109.0077% | 983 |
| Total domestic deposits to total assets | 73.9648% | 5,434 |
| Equity capital to assets | 10.4866% | 3,580 |
| Core capital (leverage) ratio | 9.9633% | 3,618 |
| Tier 1 risk-based capital ratio | 11.1065% | 5,313 |
| Total risk-based capital ratio | 12.3004% | 5,253 |
| Memoranda: | ||
| Average total assets | $558,093,000 | 1,250 |
| Average earning assets | $528,981,750 | 1,209 |
| Average equity | $56,950,500 | 1,355 |
| Average total loans | $416,873,000 | 1,170 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 4,258 |
| Cost of funding earning assets | 0.8665% | 343 |
| Net interest margin | 2.8452% | 5,355 |
| Noninterest income to average assets | 0.0981% | 5,788 |
| Noninterest expense to average assets | 1.4476% | 5,877 |
| Loan and lease loss provision to assets | 0.1356% | 1,678 |
| Net operating income to assets | 0.8348% | 3,154 |
| Return on assets (ROA) | 0.8353% | 3,286 |
| Pretax return on assets | 1.2125% | 2,736 |
| Return on Equity (ROE) | 8.2609% | 2,857 |
| Retained earnings to average equity (ytd only) | 3.7871% | 3,481 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7926% | 5,454 |
| Assets per employee ($millions) | 10.3301% | 250 |
| Cash dividends to net income (ytd only)* | 54.1560% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 2,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 73.1794% | 1,989 |
| Net loans and leases to deposits | 96.6333% | 1,011 |
| Net loans and leases to core deposits | 101.1142% | 1,549 |
| Total domestic deposits to total assets | 75.7289% | 5,318 |
| Equity capital to assets | 10.2730% | 3,893 |
| Core capital (leverage) ratio | 9.6887% | 3,946 |
| Tier 1 risk-based capital ratio | 11.3573% | 5,242 |
| Total risk-based capital ratio | 12.5992% | 5,145 |
| Memoranda: | ||
| Average total assets | $558,868,330 | 1,251 |
| Average earning assets | $529,737,330 | 1,218 |
| Average equity | $56,507,000 | 1,370 |
| Average total loans | $410,024,330 | 1,186 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,251 |
| Cost of funding earning assets | 0.8695% | 343 |
| Net interest margin | 2.8498% | 5,393 |
| Noninterest income to average assets | 0.0343% | 6,011 |
| Noninterest expense to average assets | 1.4287% | 5,949 |
| Loan and lease loss provision to assets | 0.2210% | 862 |
| Net operating income to assets | 0.7530% | 3,469 |
| Return on assets (ROA) | 0.7530% | 3,579 |
| Pretax return on assets | 1.0869% | 3,142 |
| Return on Equity (ROE) | 7.5070% | 3,184 |
| Retained earnings to average equity (ytd only) | 2.7732% | 4,131 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2080% | 5,504 |
| Assets per employee ($millions) | 10.5603% | 236 |
| Cash dividends to net income (ytd only)* | 63.0579% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 2,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.9734% | 2,044 |
| Net loans and leases to deposits | 96.2940% | 919 |
| Net loans and leases to core deposits | 100.7613% | 1,421 |
| Total domestic deposits to total assets | 74.7434% | 5,543 |
| Equity capital to assets | 9.8594% | 4,264 |
| Core capital (leverage) ratio | 9.4975% | 4,200 |
| Tier 1 risk-based capital ratio | 11.5897% | 5,178 |
| Total risk-based capital ratio | 12.8435% | 5,080 |
| Memoranda: | ||
| Average total assets | $559,390,500 | 1,256 |
| Average earning assets | $530,430,500 | 1,221 |
| Average equity | $56,108,000 | 1,376 |
| Average total loans | $407,960,000 | 1,186 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,360 |
| Cost of funding earning assets | 0.9119% | 271 |
| Net interest margin | 2.7910% | 5,532 |
| Noninterest income to average assets | 0.1559% | 5,640 |
| Noninterest expense to average assets | 1.5233% | 5,966 |
| Loan and lease loss provision to assets | 0.0853% | 2,585 |
| Net operating income to assets | 0.8241% | 3,226 |
| Return on assets (ROA) | 0.8409% | 3,223 |
| Pretax return on assets | 1.2195% | 2,592 |
| Return on Equity (ROE) | 8.2038% | 2,841 |
| Retained earnings to average equity (ytd only) | 4.5690% | 2,728 |
| Net charge-offs to loans | 0.0471% | 3,275 |
| Credit loss provision to net charge-offs | 250.2732% | 1,151 |
| Earnings coverage of net charge-offs (x) | 37.5574% | 1,230 |
| Efficiency ratio | 54.3322% | 5,500 |
| Assets per employee ($millions) | 10.1578% | 260 |
| Cash dividends to net income (ytd only)* | 44.3066% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 2,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 4,358 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.8389% | 2,084 |
| Net loans and leases to deposits | 97.6077% | 850 |
| Net loans and leases to core deposits | 101.6612% | 1,387 |
| Total domestic deposits to total assets | 73.5996% | 5,681 |
| Equity capital to assets | 10.2078% | 3,737 |
| Core capital (leverage) ratio | 9.7692% | 3,814 |
| Tier 1 risk-based capital ratio | 11.9287% | 5,002 |
| Total risk-based capital ratio | 13.1656% | 4,911 |
| Memoranda: | ||
| Average total assets | $536,783,200 | 1,262 |
| Average earning assets | $509,245,000 | 1,226 |
| Average equity | $55,023,200 | 1,358 |
| Average total loans | $388,400,000 | 1,193 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 4,378 |
| Cost of funding earning assets | 0.9008% | 291 |
| Net interest margin | 2.8128% | 5,556 |
| Noninterest income to average assets | 0.1506% | 5,735 |
| Noninterest expense to average assets | 1.5210% | 6,029 |
| Loan and lease loss provision to assets | 0.1514% | 1,442 |
| Net operating income to assets | 0.7936% | 3,461 |
| Return on assets (ROA) | 0.8162% | 3,438 |
| Pretax return on assets | 1.1821% | 2,881 |
| Return on Equity (ROE) | 7.9539% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.4248% | 3,316 |
| Net charge-offs to loans | 0.1024% | 2,112 |
| Credit loss provision to net charge-offs | 204.7297% | 1,313 |
| Earnings coverage of net charge-offs (x) | 17.5945% | 2,048 |
| Efficiency ratio | 53.9033% | 5,525 |
| Assets per employee ($millions) | 10.4391% | 232 |
| Cash dividends to net income (ytd only)* | 44.3698% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,550 |
| Loan loss allowance to noncurrent loans | 328.4624% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 4,535 |
| Noncurrent loans to loans | 0.4290% | 4,065 |
| Net loans and leases to total assets | 70.7793% | 2,270 |
| Net loans and leases to deposits | 98.9429% | 734 |
| Net loans and leases to core deposits | 102.4948% | 1,339 |
| Total domestic deposits to total assets | 71.5355% | 5,895 |
| Equity capital to assets | 10.0968% | 4,051 |
| Core capital (leverage) ratio | 9.7671% | 3,938 |
| Tier 1 risk-based capital ratio | 11.9487% | 5,109 |
| Total risk-based capital ratio | 13.2030% | 5,029 |
| Memoranda: | ||
| Average total assets | $533,848,250 | 1,276 |
| Average earning assets | $506,952,000 | 1,243 |
| Average equity | $54,781,000 | 1,370 |
| Average total loans | $385,596,250 | 1,198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,414 |
| Cost of funding earning assets | 0.8849% | 311 |
| Net interest margin | 2.8138% | 5,584 |
| Noninterest income to average assets | 0.1464% | 5,830 |
| Noninterest expense to average assets | 1.5492% | 6,083 |
| Loan and lease loss provision to assets | 0.2298% | 808 |
| Net operating income to assets | 0.7228% | 3,774 |
| Return on assets (ROA) | 0.7228% | 3,896 |
| Pretax return on assets | 1.0384% | 3,423 |
| Return on Equity (ROE) | 7.0047% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.9621% | 4,151 |
| Net charge-offs to loans | 0.1551% | 1,552 |
| Credit loss provision to net charge-offs | 204.7297% | 1,208 |
| Earnings coverage of net charge-offs (x) | 11.2973% | 2,304 |
| Efficiency ratio | 54.9872% | 5,510 |
| Assets per employee ($millions) | 9.6878% | 290 |
| Cash dividends to net income (ytd only)* | 57.7125% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 2,668 |
| Loan loss allowance to noncurrent loans | 328.6553% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 4,599 |
| Noncurrent loans to loans | 0.4317% | 4,185 |
| Net loans and leases to total assets | 72.9940% | 1,824 |
| Net loans and leases to deposits | 99.8501% | 674 |
| Net loans and leases to core deposits | 103.4218% | 1,231 |
| Total domestic deposits to total assets | 73.1037% | 5,859 |
| Equity capital to assets | 10.2733% | 3,718 |
| Core capital (leverage) ratio | 9.7712% | 3,911 |
| Tier 1 risk-based capital ratio | 12.0239% | 5,131 |
| Total risk-based capital ratio | 13.2794% | 5,030 |
| Memoranda: | ||
| Average total assets | $527,373,670 | 1,296 |
| Average earning assets | $500,598,670 | 1,261 |
| Average equity | $54,420,330 | 1,386 |
| Average total loans | $381,728,670 | 1,210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,175 |
| Cost of funding earning assets | 0.8788% | 317 |
| Net interest margin | 2.8776% | 5,495 |
| Noninterest income to average assets | 0.1464% | 5,860 |
| Noninterest expense to average assets | 1.5142% | 6,168 |
| Loan and lease loss provision to assets | 0.1517% | 1,343 |
| Net operating income to assets | 0.8333% | 3,096 |
| Return on assets (ROA) | 0.8333% | 3,222 |
| Pretax return on assets | 1.2092% | 2,625 |
| Return on Equity (ROE) | 8.0574% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.0574% | 1,551 |
| Net charge-offs to loans | 0.1865% | 1,181 |
| Credit loss provision to net charge-offs | 113.7143% | 1,482 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 1,950 |
| Efficiency ratio | 52.6651% | 5,770 |
| Assets per employee ($millions) | 10.3056% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 2,877 |
| Loan loss allowance to noncurrent loans | 311.8614% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,690 |
| Noncurrent loans to loans | 0.4517% | 4,230 |
| Net loans and leases to total assets | 70.7214% | 2,036 |
| Net loans and leases to deposits | 97.7700% | 697 |
| Net loans and leases to core deposits | 100.3876% | 1,294 |
| Total domestic deposits to total assets | 72.3344% | 6,023 |
| Equity capital to assets | 10.3943% | 3,655 |
| Core capital (leverage) ratio | 9.9054% | 3,737 |
| Tier 1 risk-based capital ratio | 12.5692% | 4,860 |
| Total risk-based capital ratio | 13.8250% | 4,773 |
| Memoranda: | ||
| Average total assets | $524,647,000 | 1,304 |
| Average earning assets | $497,496,500 | 1,272 |
| Average equity | $54,261,000 | 1,404 |
| Average total loans | $375,328,500 | 1,225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,898 |
| Cost of funding earning assets | 0.8841% | 426 |
| Net interest margin | 2.7791% | 5,840 |
| Noninterest income to average assets | 0.1501% | 5,945 |
| Noninterest expense to average assets | 1.4327% | 6,335 |
| Loan and lease loss provision to assets | 0.1030% | 2,434 |
| Net operating income to assets | 0.8623% | 3,051 |
| Return on assets (ROA) | 0.8813% | 3,053 |
| Pretax return on assets | 1.2740% | 2,333 |
| Return on Equity (ROE) | 8.7259% | 2,719 |
| Retained earnings to average equity (ytd only) | 3.7689% | 3,537 |
| Net charge-offs to loans | 0.0017% | 4,943 |
| Credit loss provision to net charge-offs | 8,900.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,165.6667% | 37 |
| Efficiency ratio | 51.4979% | 6,018 |
| Assets per employee ($millions) | 10.2688% | 226 |
| Cash dividends to net income (ytd only)* | 56.8082% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 2,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.3364% | 2,186 |
| Net loans and leases to deposits | 98.0983% | 753 |
| Net loans and leases to core deposits | 100.4886% | 1,364 |
| Total domestic deposits to total assets | 71.6999% | 6,102 |
| Equity capital to assets | 10.2903% | 3,738 |
| Core capital (leverage) ratio | 10.0912% | 3,446 |
| Tier 1 risk-based capital ratio | 12.2939% | 5,161 |
| Total risk-based capital ratio | 13.5431% | 5,077 |
| Memoranda: | ||
| Average total assets | $518,307,000 | 1,297 |
| Average earning assets | $490,871,400 | 1,250 |
| Average equity | $52,350,000 | 1,396 |
| Average total loans | $353,141,600 | 1,249 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 5,026 |
| Cost of funding earning assets | 0.8834% | 462 |
| Net interest margin | 2.7602% | 5,918 |
| Noninterest income to average assets | 0.1437% | 6,058 |
| Noninterest expense to average assets | 1.4144% | 6,395 |
| Loan and lease loss provision to assets | 0.0400% | 3,611 |
| Net operating income to assets | 0.8974% | 2,919 |
| Return on assets (ROA) | 0.9228% | 2,903 |
| Pretax return on assets | 1.3388% | 2,240 |
| Return on Equity (ROE) | 9.1804% | 2,591 |
| Retained earnings to average equity (ytd only) | 2.5222% | 4,786 |
| Net charge-offs to loans | -0.0004% | 5,146 |
| Credit loss provision to net charge-offs | -15,500.0000% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3147% | 6,036 |
| Assets per employee ($millions) | 9.8992% | 248 |
| Cash dividends to net income (ytd only)* | 72.5264% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.1967% | 2,326 |
| Net loans and leases to deposits | 97.4035% | 769 |
| Net loans and leases to core deposits | 99.4133% | 1,423 |
| Total domestic deposits to total assets | 71.0412% | 6,228 |
| Equity capital to assets | 10.3155% | 3,773 |
| Core capital (leverage) ratio | 9.9216% | 3,775 |
| Tier 1 risk-based capital ratio | 12.2992% | 5,299 |
| Total risk-based capital ratio | 13.4835% | 5,262 |
| Memoranda: | ||
| Average total assets | $516,956,500 | 1,314 |
| Average earning assets | $489,328,250 | 1,268 |
| Average equity | $51,964,750 | 1,412 |
| Average total loans | $348,015,750 | 1,270 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 5,115 |
| Cost of funding earning assets | 0.8821% | 471 |
| Net interest margin | 2.7303% | 6,016 |
| Noninterest income to average assets | 0.1484% | 6,074 |
| Noninterest expense to average assets | 1.4062% | 6,470 |
| Loan and lease loss provision to assets | 0.0232% | 3,810 |
| Net operating income to assets | 0.9002% | 2,804 |
| Return on assets (ROA) | 0.9002% | 2,898 |
| Pretax return on assets | 1.3054% | 2,234 |
| Return on Equity (ROE) | 9.0334% | 2,578 |
| Retained earnings to average equity (ytd only) | 1.8803% | 4,947 |
| Net charge-offs to loans | -0.0006% | 5,021 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4197% | 6,103 |
| Assets per employee ($millions) | 9.9590% | 236 |
| Cash dividends to net income (ytd only)* | 79.1845% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 3,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 65.7232% | 2,799 |
| Net loans and leases to deposits | 91.6118% | 1,199 |
| Net loans and leases to core deposits | 93.4664% | 1,822 |
| Total domestic deposits to total assets | 71.7410% | 6,268 |
| Equity capital to assets | 10.1424% | 3,912 |
| Core capital (leverage) ratio | 9.8272% | 3,848 |
| Tier 1 risk-based capital ratio | 12.5298% | 5,211 |
| Total risk-based capital ratio | 13.7246% | 5,167 |
| Memoranda: | ||
| Average total assets | $517,689,000 | 1,302 |
| Average earning assets | $490,419,670 | 1,260 |
| Average equity | $51,586,330 | 1,412 |
| Average total loans | $343,650,670 | 1,278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 5,134 |
| Cost of funding earning assets | 0.8861% | 487 |
| Net interest margin | 2.7267% | 6,069 |
| Noninterest income to average assets | 0.1422% | 6,121 |
| Noninterest expense to average assets | 1.4459% | 6,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8818% | 2,732 |
| Return on assets (ROA) | 0.8818% | 2,801 |
| Pretax return on assets | 1.2790% | 2,180 |
| Return on Equity (ROE) | 8.9284% | 2,494 |
| Retained earnings to average equity (ytd only) | -3.2005% | 5,981 |
| Net charge-offs to loans | -0.0035% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0630% | 6,080 |
| Assets per employee ($millions) | 9.7780% | 252 |
| Cash dividends to net income (ytd only)* | 135.8457% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 3,641 |
| Loan loss allowance to noncurrent loans | 238,100.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,357 |
| Noncurrent loans to loans | 0.0006% | 6,207 |
| Net loans and leases to total assets | 66.2725% | 2,521 |
| Net loans and leases to deposits | 90.6340% | 1,076 |
| Net loans and leases to core deposits | 92.5673% | 1,677 |
| Total domestic deposits to total assets | 73.1211% | 6,296 |
| Equity capital to assets | 10.1066% | 3,715 |
| Core capital (leverage) ratio | 9.6618% | 4,045 |
| Tier 1 risk-based capital ratio | 12.4489% | 5,349 |
| Total risk-based capital ratio | 13.6428% | 5,312 |
| Memoranda: | ||
| Average total assets | $517,600,500 | 1,301 |
| Average earning assets | $490,258,500 | 1,269 |
| Average equity | $51,117,500 | 1,416 |
| Average total loans | $342,887,000 | 1,279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 5,100 |
| Cost of funding earning assets | 0.9494% | 577 |
| Net interest margin | 2.7606% | 6,044 |
| Noninterest income to average assets | 0.1676% | 6,079 |
| Noninterest expense to average assets | 1.3234% | 6,675 |
| Loan and lease loss provision to assets | 0.0446% | 4,232 |
| Net operating income to assets | 0.9689% | 2,473 |
| Return on assets (ROA) | 0.9499% | 2,638 |
| Pretax return on assets | 1.3851% | 1,844 |
| Return on Equity (ROE) | 9.8101% | 2,187 |
| Retained earnings to average equity (ytd only) | -1.3062% | 6,104 |
| Net charge-offs to loans | -0.0197% | 6,140 |
| Credit loss provision to net charge-offs | -356.9231% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5944% | 6,501 |
| Assets per employee ($millions) | 10.3283% | 210 |
| Cash dividends to net income (ytd only)* | 113.3144% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 3,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.4119% | 2,970 |
| Net loans and leases to deposits | 89.3441% | 1,304 |
| Net loans and leases to core deposits | 91.2213% | 1,884 |
| Total domestic deposits to total assets | 72.0942% | 6,416 |
| Equity capital to assets | 9.6531% | 4,217 |
| Core capital (leverage) ratio | 9.6272% | 4,079 |
| Tier 1 risk-based capital ratio | 12.4303% | 5,331 |
| Total risk-based capital ratio | 13.6120% | 5,312 |
| Memoranda: | ||
| Average total assets | $520,242,600 | 1,274 |
| Average earning assets | $492,428,200 | 1,239 |
| Average equity | $50,376,800 | 1,408 |
| Average total loans | $329,523,800 | 1,292 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 4,920 |
| Cost of funding earning assets | 0.9638% | 594 |
| Net interest margin | 2.8188% | 5,986 |
| Noninterest income to average assets | 0.1771% | 6,132 |
| Noninterest expense to average assets | 1.3222% | 6,730 |
| Loan and lease loss provision to assets | 0.0247% | 4,515 |
| Net operating income to assets | 1.0253% | 2,278 |
| Return on assets (ROA) | 1.0253% | 2,360 |
| Pretax return on assets | 1.4973% | 1,616 |
| Return on Equity (ROE) | 10.5795% | 1,972 |
| Retained earnings to average equity (ytd only) | -2.8173% | 6,338 |
| Net charge-offs to loans | -0.0266% | 6,136 |
| Credit loss provision to net charge-offs | -147.6923% | 5,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4883% | 6,568 |
| Assets per employee ($millions) | 10.2401% | 219 |
| Cash dividends to net income (ytd only)* | 126.6300% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 64.0589% | 2,996 |
| Net loans and leases to deposits | 87.8249% | 1,386 |
| Net loans and leases to core deposits | 89.6906% | 2,004 |
| Total domestic deposits to total assets | 72.9393% | 6,438 |
| Equity capital to assets | 9.7171% | 4,285 |
| Core capital (leverage) ratio | 9.6091% | 4,230 |
| Tier 1 risk-based capital ratio | 12.6888% | 5,334 |
| Total risk-based capital ratio | 13.8702% | 5,321 |
| Memoranda: | ||
| Average total assets | $518,617,500 | 1,287 |
| Average earning assets | $490,687,750 | 1,252 |
| Average equity | $50,259,250 | 1,423 |
| Average total loans | $325,893,750 | 1,308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 5,089 |
| Cost of funding earning assets | 0.9746% | 620 |
| Net interest margin | 2.7435% | 6,109 |
| Noninterest income to average assets | 0.1778% | 6,144 |
| Noninterest expense to average assets | 1.3440% | 6,763 |
| Loan and lease loss provision to assets | 0.0326% | 4,282 |
| Net operating income to assets | 0.9596% | 2,512 |
| Return on assets (ROA) | 0.9596% | 2,662 |
| Pretax return on assets | 1.3966% | 1,945 |
| Return on Equity (ROE) | 9.9111% | 2,230 |
| Retained earnings to average equity (ytd only) | -0.0040% | 5,857 |
| Net charge-offs to loans | -0.0389% | 6,174 |
| Credit loss provision to net charge-offs | -134.9206% | 5,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4630% | 6,510 |
| Assets per employee ($millions) | 10.2333% | 206 |
| Cash dividends to net income (ytd only)* | 100.0400% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 4,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 63.9149% | 2,922 |
| Net loans and leases to deposits | 85.5017% | 1,627 |
| Net loans and leases to core deposits | 87.2574% | 2,199 |
| Total domestic deposits to total assets | 74.7529% | 6,378 |
| Equity capital to assets | 9.8256% | 4,153 |
| Core capital (leverage) ratio | 9.8582% | 3,703 |
| Tier 1 risk-based capital ratio | 13.0543% | 5,098 |
| Total risk-based capital ratio | 14.2409% | 5,089 |
| Memoranda: | ||
| Average total assets | $520,822,000 | 1,285 |
| Average earning assets | $492,730,670 | 1,246 |
| Average equity | $50,428,330 | 1,417 |
| Average total loans | $323,656,000 | 1,309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 5,223 |
| Cost of funding earning assets | 0.9928% | 636 |
| Net interest margin | 2.6894% | 6,230 |
| Noninterest income to average assets | 0.1781% | 6,198 |
| Noninterest expense to average assets | 1.3643% | 6,839 |
| Loan and lease loss provision to assets | 0.0411% | 3,913 |
| Net operating income to assets | 0.9052% | 2,628 |
| Return on assets (ROA) | 0.9052% | 2,777 |
| Pretax return on assets | 1.3156% | 2,174 |
| Return on Equity (ROE) | 9.4168% | 2,310 |
| Retained earnings to average equity (ytd only) | -6.4231% | 6,439 |
| Net charge-offs to loans | -0.0025% | 5,172 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1399% | 6,491 |
| Assets per employee ($millions) | 10.0447% | 227 |
| Cash dividends to net income (ytd only)* | 168.2086% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 61.2028% | 3,223 |
| Net loans and leases to deposits | 81.7475% | 1,862 |
| Net loans and leases to core deposits | 83.4927% | 2,389 |
| Total domestic deposits to total assets | 74.8681% | 6,466 |
| Equity capital to assets | 9.6051% | 4,703 |
| Core capital (leverage) ratio | 9.6374% | 3,862 |
| Tier 1 risk-based capital ratio | 12.9291% | 5,279 |
| Total risk-based capital ratio | 14.0996% | 5,286 |
| Memoranda: | ||
| Average total assets | $525,400,000 | 1,288 |
| Average earning assets | $496,770,500 | 1,246 |
| Average equity | $50,505,500 | 1,440 |
| Average total loans | $319,663,500 | 1,328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 5,618 |
| Cost of funding earning assets | 1.1165% | 847 |
| Net interest margin | 2.7687% | 6,425 |
| Noninterest income to average assets | 0.2066% | 5,937 |
| Noninterest expense to average assets | 1.3166% | 6,946 |
| Loan and lease loss provision to assets | 0.0199% | 5,655 |
| Net operating income to assets | 1.0182% | 2,262 |
| Return on assets (ROA) | 1.1218% | 2,033 |
| Pretax return on assets | 1.6372% | 1,290 |
| Return on Equity (ROE) | 11.5902% | 1,625 |
| Retained earnings to average equity (ytd only) | 2.8037% | 4,267 |
| Net charge-offs to loans | 0.0065% | 5,871 |
| Credit loss provision to net charge-offs | 515.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 389.8500% | 104 |
| Efficiency ratio | 46.6288% | 6,765 |
| Assets per employee ($millions) | 10.7852% | 186 |
| Cash dividends to net income (ytd only)* | 75.8098% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 4,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.7860% | 3,842 |
| Net loans and leases to deposits | 77.6590% | 2,579 |
| Net loans and leases to core deposits | 79.3465% | 3,105 |
| Total domestic deposits to total assets | 75.6977% | 6,390 |
| Equity capital to assets | 9.6203% | 4,706 |
| Core capital (leverage) ratio | 9.7658% | 3,702 |
| Tier 1 risk-based capital ratio | 13.3670% | 4,842 |
| Total risk-based capital ratio | 14.5429% | 4,850 |
| Memoranda: | ||
| Average total assets | $517,394,200 | 1,291 |
| Average earning assets | $489,042,600 | 1,245 |
| Average equity | $50,077,000 | 1,418 |
| Average total loans | $309,746,400 | 1,356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 5,668 |
| Cost of funding earning assets | 1.1381% | 912 |
| Net interest margin | 2.8075% | 6,490 |
| Noninterest income to average assets | 0.1987% | 6,106 |
| Noninterest expense to average assets | 1.3089% | 7,037 |
| Loan and lease loss provision to assets | 0.0267% | 5,450 |
| Net operating income to assets | 1.0381% | 2,322 |
| Return on assets (ROA) | 1.1669% | 2,036 |
| Pretax return on assets | 1.7074% | 1,251 |
| Return on Equity (ROE) | 12.0378% | 1,628 |
| Retained earnings to average equity (ytd only) | 1.8843% | 5,396 |
| Net charge-offs to loans | -0.0169% | 6,464 |
| Credit loss provision to net charge-offs | -264.1026% | 6,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8689% | 6,820 |
| Assets per employee ($millions) | 9.9130% | 245 |
| Cash dividends to net income (ytd only)* | 84.3473% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.2233% | 3,733 |
| Net loans and leases to deposits | 80.1807% | 2,361 |
| Net loans and leases to core deposits | 81.9476% | 2,969 |
| Total domestic deposits to total assets | 75.1095% | 6,505 |
| Equity capital to assets | 9.6902% | 4,936 |
| Core capital (leverage) ratio | 9.7236% | 3,912 |
| Tier 1 risk-based capital ratio | 13.0937% | 5,172 |
| Total risk-based capital ratio | 14.2784% | 5,182 |
| Memoranda: | ||
| Average total assets | $514,623,750 | 1,313 |
| Average earning assets | $486,633,500 | 1,266 |
| Average equity | $49,886,000 | 1,433 |
| Average total loans | $308,400,000 | 1,369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 5,781 |
| Cost of funding earning assets | 1.1517% | 1,019 |
| Net interest margin | 2.7986% | 6,579 |
| Noninterest income to average assets | 0.1983% | 6,136 |
| Noninterest expense to average assets | 1.3030% | 7,104 |
| Loan and lease loss provision to assets | 0.0086% | 5,549 |
| Net operating income to assets | 1.0480% | 2,256 |
| Return on assets (ROA) | 1.2365% | 1,780 |
| Pretax return on assets | 1.8097% | 1,024 |
| Return on Equity (ROE) | 12.7546% | 1,425 |
| Retained earnings to average equity (ytd only) | 10.1435% | 939 |
| Net charge-offs to loans | -0.0105% | 6,290 |
| Credit loss provision to net charge-offs | -137.5000% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8162% | 6,890 |
| Assets per employee ($millions) | 9.9810% | 227 |
| Cash dividends to net income (ytd only)* | 20.4717% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.2632% | 3,948 |
| Net loans and leases to deposits | 79.4008% | 2,461 |
| Net loans and leases to core deposits | 80.8634% | 3,105 |
| Total domestic deposits to total assets | 74.6380% | 6,618 |
| Equity capital to assets | 10.1565% | 4,111 |
| Core capital (leverage) ratio | 10.0616% | 3,339 |
| Tier 1 risk-based capital ratio | 13.8874% | 4,535 |
| Total risk-based capital ratio | 15.0809% | 4,550 |
| Memoranda: | ||
| Average total assets | $514,339,000 | 1,314 |
| Average earning assets | $486,236,670 | 1,269 |
| Average equity | $49,864,330 | 1,426 |
| Average total loans | $306,213,670 | 1,376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 5,655 |
| Cost of funding earning assets | 1.1740% | 1,089 |
| Net interest margin | 2.8606% | 6,538 |
| Noninterest income to average assets | 0.2081% | 6,135 |
| Noninterest expense to average assets | 1.2952% | 7,175 |
| Loan and lease loss provision to assets | 0.0162% | 5,119 |
| Net operating income to assets | 1.1025% | 2,073 |
| Return on assets (ROA) | 1.1025% | 2,258 |
| Pretax return on assets | 1.6000% | 1,579 |
| Return on Equity (ROE) | 11.6454% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.3253% | 2,783 |
| Net charge-offs to loans | -0.0052% | 5,799 |
| Credit loss provision to net charge-offs | -525.0000% | 5,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4858% | 6,967 |
| Assets per employee ($millions) | 11.1500% | 175 |
| Cash dividends to net income (ytd only)* | 45.6842% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 4,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.7188% | 4,251 |
| Net loans and leases to deposits | 74.3897% | 3,065 |
| Net loans and leases to core deposits | 75.7636% | 3,642 |
| Total domestic deposits to total assets | 76.2455% | 6,515 |
| Equity capital to assets | 9.2392% | 5,177 |
| Core capital (leverage) ratio | 9.8146% | 3,620 |
| Tier 1 risk-based capital ratio | 13.3617% | 4,926 |
| Total risk-based capital ratio | 14.5418% | 4,979 |
| Memoranda: | ||
| Average total assets | $516,992,000 | 1,315 |
| Average earning assets | $488,575,500 | 1,265 |
| Average equity | $48,946,500 | 1,443 |
| Average total loans | $306,277,500 | 1,382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 5,801 |
| Cost of funding earning assets | 1.3578% | 1,207 |
| Net interest margin | 2.9284% | 6,645 |
| Noninterest income to average assets | 0.1848% | 6,173 |
| Noninterest expense to average assets | 1.3131% | 7,238 |
| Loan and lease loss provision to assets | 0.0755% | 5,666 |
| Net operating income to assets | 1.0691% | 1,927 |
| Return on assets (ROA) | 1.1001% | 1,947 |
| Pretax return on assets | 1.6012% | 1,195 |
| Return on Equity (ROE) | 11.1149% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.1320% | 2,549 |
| Net charge-offs to loans | 0.0811% | 5,509 |
| Credit loss provision to net charge-offs | 151.6260% | 1,854 |
| Earnings coverage of net charge-offs (x) | 32.7642% | 785 |
| Efficiency ratio | 44.5896% | 7,104 |
| Assets per employee ($millions) | 10.6124% | 196 |
| Cash dividends to net income (ytd only)* | 53.8278% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.1890% | 3,957 |
| Net loans and leases to deposits | 80.5982% | 2,417 |
| Net loans and leases to core deposits | 82.0581% | 3,167 |
| Total domestic deposits to total assets | 74.6778% | 6,654 |
| Equity capital to assets | 9.7126% | 4,577 |
| Core capital (leverage) ratio | 10.0346% | 3,294 |
| Tier 1 risk-based capital ratio | 13.2503% | 4,874 |
| Total risk-based capital ratio | 14.4323% | 4,906 |
| Memoranda: | ||
| Average total assets | $493,938,800 | 1,351 |
| Average earning assets | $465,541,600 | 1,320 |
| Average equity | $48,889,200 | 1,394 |
| Average total loans | $303,467,400 | 1,404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 5,893 |
| Cost of funding earning assets | 1.3795% | 1,320 |
| Net interest margin | 2.9371% | 6,693 |
| Noninterest income to average assets | 0.1824% | 6,291 |
| Noninterest expense to average assets | 1.3370% | 7,300 |
| Loan and lease loss provision to assets | 0.0717% | 5,560 |
| Net operating income to assets | 1.0529% | 2,129 |
| Return on assets (ROA) | 1.0937% | 2,140 |
| Pretax return on assets | 1.6014% | 1,382 |
| Return on Equity (ROE) | 10.9983% | 1,863 |
| Retained earnings to average equity (ytd only) | 3.0394% | 4,516 |
| Net charge-offs to loans | 0.1082% | 4,919 |
| Credit loss provision to net charge-offs | 107.7236% | 3,070 |
| Earnings coverage of net charge-offs (x) | 24.2318% | 1,084 |
| Efficiency ratio | 45.3220% | 7,089 |
| Assets per employee ($millions) | 10.0709% | 247 |
| Cash dividends to net income (ytd only)* | 72.3651% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.5705% | 3,593 |
| Net loans and leases to deposits | 84.0159% | 1,994 |
| Net loans and leases to core deposits | 85.6736% | 2,820 |
| Total domestic deposits to total assets | 74.4746% | 6,707 |
| Equity capital to assets | 9.6505% | 4,856 |
| Core capital (leverage) ratio | 9.7448% | 3,782 |
| Tier 1 risk-based capital ratio | 12.8685% | 5,191 |
| Total risk-based capital ratio | 14.0252% | 5,256 |
| Memoranda: | ||
| Average total assets | $492,727,500 | 1,361 |
| Average earning assets | $464,309,000 | 1,322 |
| Average equity | $49,000,250 | 1,397 |
| Average total loans | $303,186,250 | 1,414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 6,136 |
| Cost of funding earning assets | 1.3978% | 1,429 |
| Net interest margin | 2.8606% | 6,849 |
| Noninterest income to average assets | 0.1767% | 6,392 |
| Noninterest expense to average assets | 1.3605% | 7,374 |
| Loan and lease loss provision to assets | 0.0871% | 5,223 |
| Net operating income to assets | 0.9737% | 2,343 |
| Return on assets (ROA) | 1.0346% | 2,186 |
| Pretax return on assets | 1.5170% | 1,484 |
| Return on Equity (ROE) | 10.3047% | 2,014 |
| Retained earnings to average equity (ytd only) | 3.0733% | 4,316 |
| Net charge-offs to loans | 0.1629% | 4,196 |
| Credit loss provision to net charge-offs | 87.8049% | 3,523 |
| Earnings coverage of net charge-offs (x) | 15.2642% | 1,416 |
| Efficiency ratio | 47.3204% | 7,091 |
| Assets per employee ($millions) | 9.9571% | 246 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.7556% | 4,320 |
| Net loans and leases to deposits | 80.3168% | 2,734 |
| Net loans and leases to core deposits | 81.8090% | 3,534 |
| Total domestic deposits to total assets | 74.3999% | 6,797 |
| Equity capital to assets | 10.1018% | 4,014 |
| Core capital (leverage) ratio | 9.9513% | 3,322 |
| Tier 1 risk-based capital ratio | 13.3797% | 4,627 |
| Total risk-based capital ratio | 14.5256% | 4,684 |
| Memoranda: | ||
| Average total assets | $495,835,000 | 1,356 |
| Average earning assets | $467,739,670 | 1,319 |
| Average equity | $49,783,330 | 1,355 |
| Average total loans | $302,001,670 | 1,429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 6,242 |
| Cost of funding earning assets | 1.4561% | 1,353 |
| Net interest margin | 2.7614% | 6,960 |
| Noninterest income to average assets | 0.1778% | 6,451 |
| Noninterest expense to average assets | 1.3783% | 7,420 |
| Loan and lease loss provision to assets | 0.1536% | 4,104 |
| Net operating income to assets | 0.8537% | 2,761 |
| Return on assets (ROA) | 0.9757% | 2,322 |
| Pretax return on assets | 1.4300% | 1,648 |
| Return on Equity (ROE) | 9.7478% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.4984% | 3,472 |
| Net charge-offs to loans | 0.3270% | 2,745 |
| Credit loss provision to net charge-offs | 76.9231% | 3,216 |
| Earnings coverage of net charge-offs (x) | 7.0324% | 2,015 |
| Efficiency ratio | 49.5352% | 7,023 |
| Assets per employee ($millions) | 10.1272% | 231 |
| Cash dividends to net income (ytd only)* | 53.8525% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 4,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 57.9026% | 4,661 |
| Net loans and leases to deposits | 77.0553% | 3,241 |
| Net loans and leases to core deposits | 78.2560% | 3,984 |
| Total domestic deposits to total assets | 75.1443% | 6,769 |
| Equity capital to assets | 9.8977% | 3,902 |
| Core capital (leverage) ratio | 10.0805% | 3,060 |
| Tier 1 risk-based capital ratio | 13.3759% | 4,524 |
| Total risk-based capital ratio | 14.5103% | 4,590 |
| Memoranda: | ||
| Average total assets | $494,826,000 | 1,363 |
| Average earning assets | $466,720,000 | 1,325 |
| Average equity | $49,529,000 | 1,348 |
| Average total loans | $302,144,000 | 1,451 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 5,978 |
| Cost of funding earning assets | 1.8519% | 992 |
| Net interest margin | 2.7909% | 7,041 |
| Noninterest income to average assets | 0.2037% | 6,329 |
| Noninterest expense to average assets | 1.3335% | 7,511 |
| Loan and lease loss provision to assets | 0.0231% | 6,894 |
| Net operating income to assets | 1.0026% | 2,035 |
| Return on assets (ROA) | 0.9983% | 2,148 |
| Pretax return on assets | 1.4588% | 1,486 |
| Return on Equity (ROE) | 11.0892% | 1,557 |
| Retained earnings to average equity (ytd only) | 10.9983% | 378 |
| Net charge-offs to loans | 0.0566% | 6,225 |
| Credit loss provision to net charge-offs | 64.2045% | 6,002 |
| Earnings coverage of net charge-offs (x) | 41.3011% | 563 |
| Efficiency ratio | 47.2573% | 7,297 |
| Assets per employee ($millions) | 9.8631% | 261 |
| Cash dividends to net income (ytd only)* | 0.8203% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 62.6216% | 4,143 |
| Net loans and leases to deposits | 87.8321% | 1,815 |
| Net loans and leases to core deposits | 89.3040% | 2,855 |
| Total domestic deposits to total assets | 71.2969% | 7,147 |
| Equity capital to assets | 10.1264% | 3,585 |
| Core capital (leverage) ratio | 10.0382% | 3,046 |
| Tier 1 risk-based capital ratio | 13.0466% | 4,565 |
| Total risk-based capital ratio | 14.1718% | 4,640 |
| Memoranda: | ||
| Average total assets | $488,418,200 | 1,369 |
| Average earning assets | $458,172,200 | 1,337 |
| Average equity | $43,970,600 | 1,517 |
| Average total loans | $311,030,800 | 1,444 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 6,160 |
| Cost of funding earning assets | 1.9051% | 1,015 |
| Net interest margin | 2.7526% | 7,176 |
| Noninterest income to average assets | 0.1944% | 6,493 |
| Noninterest expense to average assets | 1.3088% | 7,632 |
| Loan and lease loss provision to assets | 0.0109% | 6,916 |
| Net operating income to assets | 0.9943% | 2,251 |
| Return on assets (ROA) | 0.9943% | 2,370 |
| Pretax return on assets | 1.4542% | 1,738 |
| Return on Equity (ROE) | 11.3958% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.2710% | 564 |
| Net charge-offs to loans | 0.0047% | 6,603 |
| Credit loss provision to net charge-offs | 363.6364% | 853 |
| Earnings coverage of net charge-offs (x) | 489.0586% | 66 |
| Efficiency ratio | 47.1830% | 7,318 |
| Assets per employee ($millions) | 10.4439% | 235 |
| Cash dividends to net income (ytd only)* | 1.0952% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.6843% | 4,782 |
| Net loans and leases to deposits | 87.6468% | 2,056 |
| Net loans and leases to core deposits | 89.4368% | 3,177 |
| Total domestic deposits to total assets | 69.2374% | 7,316 |
| Equity capital to assets | 9.5652% | 4,744 |
| Core capital (leverage) ratio | 9.6405% | 3,691 |
| Tier 1 risk-based capital ratio | 12.7484% | 4,776 |
| Total risk-based capital ratio | 13.9008% | 4,839 |
| Memoranda: | ||
| Average total assets | $489,700,250 | 1,387 |
| Average earning assets | $458,903,250 | 1,347 |
| Average equity | $42,728,250 | 1,559 |
| Average total loans | $312,064,500 | 1,455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 6,037 |
| Cost of funding earning assets | 1.9495% | 1,045 |
| Net interest margin | 2.7820% | 7,166 |
| Noninterest income to average assets | 0.2021% | 6,461 |
| Noninterest expense to average assets | 1.3169% | 7,702 |
| Loan and lease loss provision to assets | 0.0165% | 6,755 |
| Net operating income to assets | 1.0061% | 2,169 |
| Return on assets (ROA) | 1.0061% | 2,247 |
| Pretax return on assets | 1.4729% | 1,633 |
| Return on Equity (ROE) | 11.9256% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.9256% | 505 |
| Net charge-offs to loans | 0.0070% | 6,263 |
| Credit loss provision to net charge-offs | 363.6364% | 1,002 |
| Earnings coverage of net charge-offs (x) | 328.9091% | 96 |
| Efficiency ratio | 46.9268% | 7,396 |
| Assets per employee ($millions) | 9.8829% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 4,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 7,297 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.3632% | 4,805 |
| Net loans and leases to deposits | 87.7950% | 2,208 |
| Net loans and leases to core deposits | 89.5327% | 3,338 |
| Total domestic deposits to total assets | 69.8937% | 7,336 |
| Equity capital to assets | 9.2924% | 5,016 |
| Core capital (leverage) ratio | 9.6375% | 3,627 |
| Tier 1 risk-based capital ratio | 12.3794% | 4,964 |
| Total risk-based capital ratio | 13.5262% | 5,029 |
| Memoranda: | ||
| Average total assets | $485,831,670 | 1,409 |
| Average earning assets | $454,779,670 | 1,365 |
| Average equity | $40,987,330 | 1,613 |
| Average total loans | $313,233,330 | 1,466 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 5,638 |
| Cost of funding earning assets | 2.0134% | 1,039 |
| Net interest margin | 2.8478% | 7,105 |
| Noninterest income to average assets | 0.2018% | 6,522 |
| Noninterest expense to average assets | 1.3395% | 7,788 |
| Loan and lease loss provision to assets | 0.0332% | 6,343 |
| Net operating income to assets | 1.0181% | 2,119 |
| Return on assets (ROA) | 1.0181% | 2,180 |
| Pretax return on assets | 1.4906% | 1,540 |
| Return on Equity (ROE) | 12.7304% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.7304% | 659 |
| Net charge-offs to loans | 0.0165% | 5,353 |
| Credit loss provision to net charge-offs | 307.6923% | 1,279 |
| Earnings coverage of net charge-offs (x) | 141.1538% | 235 |
| Efficiency ratio | 46.7807% | 7,509 |
| Assets per employee ($millions) | 9.8678% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 7,390 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.0710% | 4,309 |
| Net loans and leases to deposits | 91.4398% | 1,690 |
| Net loans and leases to core deposits | 93.3312% | 2,929 |
| Total domestic deposits to total assets | 70.0691% | 7,404 |
| Equity capital to assets | 8.3043% | 6,296 |
| Core capital (leverage) ratio | 8.5028% | 5,368 |
| Tier 1 risk-based capital ratio | 10.5514% | 6,585 |
| Total risk-based capital ratio | 11.6890% | 6,694 |
| Memoranda: | ||
| Average total assets | $481,675,000 | 1,454 |
| Average earning assets | $450,177,500 | 1,407 |
| Average equity | $38,522,000 | 1,746 |
| Average total loans | $316,066,500 | 1,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 6,278 |
| Cost of funding earning assets | 2.3677% | 1,399 |
| Net interest margin | 2.6804% | 7,238 |
| Noninterest income to average assets | 0.2043% | 6,648 |
| Noninterest expense to average assets | 1.3157% | 7,864 |
| Loan and lease loss provision to assets | 0.0786% | 6,815 |
| Net operating income to assets | 0.8556% | 2,330 |
| Return on assets (ROA) | -0.5240% | 6,202 |
| Pretax return on assets | -0.8365% | 6,297 |
| Return on Equity (ROE) | -7.1914% | 6,400 |
| Retained earnings to average equity (ytd only) | -7.1914% | 6,258 |
| Net charge-offs to loans | 0.1504% | 5,749 |
| Credit loss provision to net charge-offs | 80.6383% | 6,266 |
| Earnings coverage of net charge-offs (x) | 14.3362% | 1,378 |
| Efficiency ratio | 48.4862% | 7,608 |
| Assets per employee ($millions) | 9.7924% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 4,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 7,409 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.3731% | 4,305 |
| Net loans and leases to deposits | 92.9774% | 1,735 |
| Net loans and leases to core deposits | 104.4831% | 3,515 |
| Total domestic deposits to total assets | 70.3108% | 7,399 |
| Equity capital to assets | 7.6884% | 6,868 |
| Core capital (leverage) ratio | 8.2873% | 5,645 |
| Tier 1 risk-based capital ratio | 10.2719% | 6,615 |
| Total risk-based capital ratio | 11.4048% | 6,703 |
| Memoranda: | ||
| Average total assets | $482,022,000 | 1,432 |
| Average earning assets | $451,245,000 | 1,401 |
| Average equity | $35,125,400 | 1,916 |
| Average total loans | $312,573,800 | 1,530 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0975% | 6,274 |
| Cost of funding earning assets | 2.4486% | 1,452 |
| Net interest margin | 2.6489% | 7,294 |
| Noninterest income to average assets | 0.1719% | 6,983 |
| Noninterest expense to average assets | 1.3245% | 7,952 |
| Loan and lease loss provision to assets | 0.0240% | 7,116 |
| Net operating income to assets | 0.9785% | 2,136 |
| Return on assets (ROA) | 0.2487% | 5,078 |
| Pretax return on assets | 0.3315% | 4,978 |
| Return on Equity (ROE) | 3.4597% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.4597% | 3,363 |
| Net charge-offs to loans | 0.0206% | 6,612 |
| Credit loss provision to net charge-offs | 181.2500% | 2,521 |
| Earnings coverage of net charge-offs (x) | 100.1850% | 361 |
| Efficiency ratio | 49.9219% | 7,563 |
| Assets per employee ($millions) | 9.9403% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 3,835 |
| Loan loss allowance to noncurrent loans | 17,096.1538% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 7,595 |
| Noncurrent loans to loans | 0.0083% | 7,509 |
| Net loans and leases to total assets | 64.6412% | 4,726 |
| Net loans and leases to deposits | 92.8496% | 2,086 |
| Net loans and leases to core deposits | 104.8344% | 3,841 |
| Total domestic deposits to total assets | 69.6192% | 7,445 |
| Equity capital to assets | 8.0675% | 6,780 |
| Core capital (leverage) ratio | 8.9363% | 4,755 |
| Tier 1 risk-based capital ratio | 10.8248% | 6,129 |
| Total risk-based capital ratio | 11.9818% | 6,186 |
| Memoranda: | ||
| Average total assets | $482,570,750 | 1,451 |
| Average earning assets | $452,050,000 | 1,414 |
| Average equity | $34,684,000 | 1,957 |
| Average total loans | $311,219,000 | 1,561 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 6,329 |
| Cost of funding earning assets | 2.5528% | 1,441 |
| Net interest margin | 2.5735% | 7,388 |
| Noninterest income to average assets | 0.1709% | 7,072 |
| Noninterest expense to average assets | 1.3382% | 8,045 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8556% | 2,632 |
| Return on assets (ROA) | 0.6933% | 3,398 |
| Pretax return on assets | 1.0058% | 2,989 |
| Return on Equity (ROE) | 10.0496% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.0496% | 723 |
| Net charge-offs to loans | 0.0489% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 39.5526% | 820 |
| Efficiency ratio | 51.8809% | 7,523 |
| Assets per employee ($millions) | 10.0554% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 3,654 |
| Loan loss allowance to noncurrent loans | 16,037.0370% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,639 |
| Noncurrent loans to loans | 0.0088% | 7,540 |
| Net loans and leases to total assets | 62.5208% | 5,266 |
| Net loans and leases to deposits | 90.2379% | 2,798 |
| Net loans and leases to core deposits | 104.6952% | 3,991 |
| Total domestic deposits to total assets | 69.2844% | 7,530 |
| Equity capital to assets | 7.8033% | 6,976 |
| Core capital (leverage) ratio | 9.1265% | 4,421 |
| Tier 1 risk-based capital ratio | 10.3801% | 6,500 |
| Total risk-based capital ratio | 11.4297% | 6,668 |
| Memoranda: | ||
| Average total assets | $484,383,000 | 1,463 |
| Average earning assets | $453,304,670 | 1,423 |
| Average equity | $33,414,330 | 2,037 |
| Average total loans | $310,668,670 | 1,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 6,445 |
| Cost of funding earning assets | 2.7123% | 1,232 |
| Net interest margin | 2.4478% | 7,562 |
| Noninterest income to average assets | 0.1599% | 7,164 |
| Noninterest expense to average assets | 1.2744% | 8,090 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8078% | 3,098 |
| Return on assets (ROA) | 0.7345% | 3,601 |
| Pretax return on assets | 1.0675% | 3,115 |
| Return on Equity (ROE) | 11.3902% | 1,851 |
| Retained earnings to average equity (ytd only) | 11.3902% | 906 |
| Net charge-offs to loans | 0.0971% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.7368% | 1,451 |
| Efficiency ratio | 52.0539% | 7,410 |
| Assets per employee ($millions) | 10.0538% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,573 |
| Loan loss allowance to noncurrent loans | 15,464.2857% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 7,506 |
| Noncurrent loans to loans | 0.0090% | 7,543 |
| Net loans and leases to total assets | 63.8432% | 5,018 |
| Net loans and leases to deposits | 90.4428% | 2,861 |
| Net loans and leases to core deposits | 105.7612% | 3,944 |
| Total domestic deposits to total assets | 70.5897% | 7,375 |
| Equity capital to assets | 6.4573% | 7,887 |
| Core capital (leverage) ratio | 8.0897% | 6,311 |
| Tier 1 risk-based capital ratio | 9.9362% | 6,998 |
| Total risk-based capital ratio | 11.0304% | 7,073 |
| Memoranda: | ||
| Average total assets | $485,246,000 | 1,463 |
| Average earning assets | $453,634,500 | 1,423 |
| Average equity | $31,290,000 | 2,166 |
| Average total loans | $312,957,500 | 1,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7510% | 6,596 |
| Cost of funding earning assets | 3.4031% | 706 |
| Net interest margin | 2.3479% | 7,887 |
| Noninterest income to average assets | 0.1707% | 7,200 |
| Noninterest expense to average assets | 1.2590% | 8,139 |
| Loan and lease loss provision to assets | 0.0361% | 6,955 |
| Net operating income to assets | 0.7265% | 3,771 |
| Return on assets (ROA) | -0.0720% | 6,318 |
| Pretax return on assets | -0.1616% | 6,337 |
| Return on Equity (ROE) | -1.0007% | 6,363 |
| Retained earnings to average equity (ytd only) | -7.5878% | 6,848 |
| Net charge-offs to loans | -0.0294% | 7,968 |
| Credit loss provision to net charge-offs | -192.4731% | 7,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8719% | 7,397 |
| Assets per employee ($millions) | 9.9573% | 264 |
| Cash dividends to net income (ytd only)* | -658.2633% | 8,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 3,165 |
| Loan loss allowance to noncurrent loans | 15,735.7143% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,626 |
| Noncurrent loans to loans | 0.0089% | 7,519 |
| Net loans and leases to total assets | 63.3484% | 5,395 |
| Net loans and leases to deposits | 88.7909% | 3,669 |
| Net loans and leases to core deposits | 105.2115% | 4,276 |
| Total domestic deposits to total assets | 71.3455% | 7,116 |
| Equity capital to assets | 6.4393% | 7,955 |
| Core capital (leverage) ratio | 7.8248% | 6,766 |
| Tier 1 risk-based capital ratio | 10.0018% | 6,734 |
| Total risk-based capital ratio | 11.1461% | 6,734 |
| Memoranda: | ||
| Average total assets | $495,693,400 | 1,368 |
| Average earning assets | $466,716,200 | 1,334 |
| Average equity | $35,675,600 | 1,888 |
| Average total loans | $316,380,400 | 1,529 |