Home > American Bank of Commerce > Performance and Condition Ratios
American Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 2,038 |
| Cost of funding earning assets | 2.2652% | 578 |
| Net interest margin | 2.7530% | 3,745 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1435% | 3,280 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.5321% | 3,603 |
| Return on assets (ROA) | 0.5266% | 3,597 |
| Pretax return on assets | 0.6436% | 3,551 |
| Return on Equity (ROE) | 11.1200% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.9869% | 1,019 |
| Net charge-offs to loans | 0.0124% | 2,188 |
| Credit loss provision to net charge-offs | 1,281.4159% | 331 |
| Earnings coverage of net charge-offs (x) | 98.5310% | 911 |
| Efficiency ratio | 74.1509% | 1,442 |
| Assets per employee ($millions) | 9.4069% | 858 |
| Cash dividends to net income (ytd only)* | 10.1950% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,505 |
| Loan loss allowance to noncurrent loans | 349.9294% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 1,992 |
| Noncurrent loans to loans | 0.3919% | 1,811 |
| Net loans and leases to total assets | 61.5500% | 2,712 |
| Net loans and leases to deposits | 68.8815% | 2,962 |
| Net loans and leases to core deposits | 75.0033% | 3,029 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 5.8198% | 4,270 |
| Core capital (leverage) ratio | 8.7386% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3824% | 2,107 |
| Memoranda: | ||
| Average total assets | $1,490,064,800 | 720 |
| Average earning assets | $1,394,754,400 | 704 |
| Average equity | $70,562,400 | 1,242 |
| Average total loans | $913,478,200 | 784 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 2,036 |
| Cost of funding earning assets | 2.1678% | 529 |
| Net interest margin | 2.7433% | 3,818 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1859% | 3,116 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4946% | 3,777 |
| Return on assets (ROA) | 0.4876% | 3,790 |
| Pretax return on assets | 0.6021% | 3,730 |
| Return on Equity (ROE) | 10.9000% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.3097% | 1,600 |
| Net charge-offs to loans | 0.0163% | 1,815 |
| Credit loss provision to net charge-offs | 890.1786% | 431 |
| Earnings coverage of net charge-offs (x) | 70.2321% | 1,110 |
| Efficiency ratio | 75.7708% | 1,197 |
| Assets per employee ($millions) | 9.6191% | 763 |
| Cash dividends to net income (ytd only)* | 14.5799% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,824 |
| Loan loss allowance to noncurrent loans | 718.8929% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 2,816 |
| Noncurrent loans to loans | 0.1822% | 2,632 |
| Net loans and leases to total assets | 61.1700% | 2,735 |
| Net loans and leases to deposits | 69.0079% | 2,915 |
| Net loans and leases to core deposits | 74.7727% | 2,942 |
| Total domestic deposits to total assets | 88.6400% | 1,364 |
| Equity capital to assets | 4.0855% | 4,396 |
| Core capital (leverage) ratio | 8.4884% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8820% | 2,308 |
| Memoranda: | ||
| Average total assets | $1,500,413,500 | 722 |
| Average earning assets | $1,403,992,000 | 704 |
| Average equity | $67,125,500 | 1,278 |
| Average total loans | $915,817,750 | 787 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,989 |
| Cost of funding earning assets | 2.0402% | 452 |
| Net interest margin | 2.7620% | 3,886 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2530% | 2,942 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4679% | 3,878 |
| Return on assets (ROA) | 0.4584% | 3,899 |
| Pretax return on assets | 0.5673% | 3,855 |
| Return on Equity (ROE) | 9.9700% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.6621% | 2,083 |
| Net charge-offs to loans | 0.0209% | 1,472 |
| Credit loss provision to net charge-offs | 723.9583% | 506 |
| Earnings coverage of net charge-offs (x) | 52.7500% | 1,261 |
| Efficiency ratio | 77.0590% | 1,087 |
| Assets per employee ($millions) | 9.4671% | 789 |
| Cash dividends to net income (ytd only)* | 23.1147% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 1,874 |
| Loan loss allowance to noncurrent loans | 666.0194% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 2,716 |
| Noncurrent loans to loans | 0.1973% | 2,478 |
| Net loans and leases to total assets | 58.5600% | 2,915 |
| Net loans and leases to deposits | 66.8633% | 3,005 |
| Net loans and leases to core deposits | 72.0490% | 3,012 |
| Total domestic deposits to total assets | 87.5800% | 1,756 |
| Equity capital to assets | 4.7180% | 4,415 |
| Core capital (leverage) ratio | 8.3508% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8743% | 2,346 |
| Memoranda: | ||
| Average total assets | $1,509,976,000 | 705 |
| Average earning assets | $1,413,986,000 | 689 |
| Average equity | $69,458,333 | 1,245 |
| Average total loans | $917,015,000 | 771 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 1,789 |
| Cost of funding earning assets | 1.8772% | 387 |
| Net interest margin | 2.8464% | 3,874 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.2997% | 2,815 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4777% | 3,950 |
| Return on assets (ROA) | 0.4683% | 3,920 |
| Pretax return on assets | 0.5811% | 3,874 |
| Return on Equity (ROE) | 10.3100% | 2,696 |
| Retained earnings to average equity (ytd only) | 7.9882% | 2,220 |
| Net charge-offs to loans | -0.0017% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.4257% | 1,055 |
| Assets per employee ($millions) | 8.9517% | 953 |
| Cash dividends to net income (ytd only)* | 22.5225% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,522 |
| Loan loss allowance to noncurrent loans | 1,122.8261% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,132 |
| Noncurrent loans to loans | 0.1074% | 2,990 |
| Net loans and leases to total assets | 61.5300% | 2,509 |
| Net loans and leases to deposits | 73.1186% | 2,373 |
| Net loans and leases to core deposits | 77.8743% | 2,396 |
| Total domestic deposits to total assets | 84.1500% | 3,062 |
| Equity capital to assets | 4.9135% | 4,431 |
| Core capital (leverage) ratio | 8.1662% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1319% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,517,067,000 | 714 |
| Average earning assets | $1,422,122,500 | 699 |
| Average equity | $68,902,000 | 1,262 |
| Average total loans | $931,706,500 | 769 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 2,283 |
| Cost of funding earning assets | 0.5494% | 1,110 |
| Net interest margin | 3.2486% | 2,707 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2879% | 2,776 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9505% | 2,769 |
| Return on assets (ROA) | 0.9511% | 2,714 |
| Pretax return on assets | 1.1596% | 2,569 |
| Return on Equity (ROE) | 18.6500% | 613 |
| Retained earnings to average equity (ytd only) | 17.0082% | 174 |
| Net charge-offs to loans | 0.1069% | 699 |
| Credit loss provision to net charge-offs | 68.3696% | 1,732 |
| Earnings coverage of net charge-offs (x) | 19.5315% | 1,909 |
| Efficiency ratio | 65.5773% | 2,284 |
| Assets per employee ($millions) | 8.7431% | 996 |
| Cash dividends to net income (ytd only)* | 8.7836% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,377 |
| Loan loss allowance to noncurrent loans | 707.3529% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,582 |
| Noncurrent loans to loans | 0.1698% | 2,637 |
| Net loans and leases to total assets | 59.8300% | 2,645 |
| Net loans and leases to deposits | 71.7398% | 2,427 |
| Net loans and leases to core deposits | 75.0749% | 2,494 |
| Total domestic deposits to total assets | 83.4000% | 3,336 |
| Equity capital to assets | 4.1722% | 4,500 |
| Core capital (leverage) ratio | 8.0301% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1126% | 2,699 |
| Memoranda: | ||
| Average total assets | $1,496,191,800 | 700 |
| Average earning assets | $1,412,916,200 | 686 |
| Average equity | $76,322,000 | 1,172 |
| Average total loans | $860,446,600 | 777 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 2,400 |
| Cost of funding earning assets | 0.3453% | 1,744 |
| Net interest margin | 3.2349% | 2,515 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.2889% | 2,656 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9062% | 2,843 |
| Return on assets (ROA) | 0.9066% | 2,818 |
| Pretax return on assets | 1.1108% | 2,685 |
| Return on Equity (ROE) | 16.9800% | 793 |
| Retained earnings to average equity (ytd only) | 15.4327% | 330 |
| Net charge-offs to loans | 0.1432% | 460 |
| Credit loss provision to net charge-offs | 69.2731% | 1,454 |
| Earnings coverage of net charge-offs (x) | 14.3579% | 1,865 |
| Efficiency ratio | 66.2385% | 2,247 |
| Assets per employee ($millions) | 8.2559% | 1,193 |
| Cash dividends to net income (ytd only)* | 9.1304% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,350 |
| Loan loss allowance to noncurrent loans | 392.7660% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 2,338 |
| Noncurrent loans to loans | 0.3146% | 2,118 |
| Net loans and leases to total assets | 59.5800% | 2,555 |
| Net loans and leases to deposits | 67.1178% | 2,623 |
| Net loans and leases to core deposits | 70.1926% | 2,626 |
| Total domestic deposits to total assets | 88.7700% | 2,178 |
| Equity capital to assets | 3.3697% | 4,559 |
| Core capital (leverage) ratio | 7.8697% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8846% | 2,852 |
| Memoranda: | ||
| Average total assets | $1,489,914,500 | 712 |
| Average earning assets | $1,409,693,000 | 691 |
| Average equity | $79,534,750 | 1,150 |
| Average total loans | $845,251,500 | 786 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 2,559 |
| Cost of funding earning assets | 0.2739% | 1,973 |
| Net interest margin | 3.0796% | 2,604 |
| Noninterest income to average assets | 0.4376% | 2,524 |
| Noninterest expense to average assets | 2.3047% | 2,538 |
| Loan and lease loss provision to assets | 0.0420% | 1,819 |
| Net operating income to assets | 0.8208% | 2,885 |
| Return on assets (ROA) | 0.8235% | 2,843 |
| Pretax return on assets | 1.0188% | 2,659 |
| Return on Equity (ROE) | 13.7430% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.4001% | 546 |
| Net charge-offs to loans | -0.0319% | 4,060 |
| Credit loss provision to net charge-offs | -237.1212% | 3,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5359% | 2,167 |
| Assets per employee ($millions) | 8.3935% | 1,114 |
| Cash dividends to net income (ytd only)* | 9.7720% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,888 |
| Loan loss allowance to noncurrent loans | 300.4838% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 2,009 |
| Noncurrent loans to loans | 0.4555% | 1,752 |
| Net loans and leases to total assets | 56.2802% | 2,726 |
| Net loans and leases to deposits | 63.8372% | 2,737 |
| Net loans and leases to core deposits | 66.8682% | 2,751 |
| Total domestic deposits to total assets | 88.1622% | 2,511 |
| Equity capital to assets | 4.5622% | 4,554 |
| Core capital (leverage) ratio | 7.7583% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3828% | 2,706 |
| Memoranda: | ||
| Average total assets | $1,491,196,000 | 701 |
| Average earning assets | $1,416,437,000 | 687 |
| Average equity | $89,354,333 | 1,058 |
| Average total loans | $828,169,000 | 786 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 2,653 |
| Cost of funding earning assets | 0.2499% | 2,165 |
| Net interest margin | 2.9612% | 2,635 |
| Noninterest income to average assets | 0.4218% | 2,544 |
| Noninterest expense to average assets | 2.3232% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7542% | 2,836 |
| Return on assets (ROA) | 0.7542% | 2,828 |
| Pretax return on assets | 0.9302% | 2,660 |
| Return on Equity (ROE) | 11.2205% | 1,538 |
| Retained earnings to average equity (ytd only) | 10.0153% | 1,015 |
| Net charge-offs to loans | -0.0271% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4084% | 2,056 |
| Assets per employee ($millions) | 7.6286% | 1,606 |
| Cash dividends to net income (ytd only)* | 10.7411% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,878 |
| Loan loss allowance to noncurrent loans | 282.0766% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 2,038 |
| Noncurrent loans to loans | 0.4989% | 1,777 |
| Net loans and leases to total assets | 54.0187% | 2,757 |
| Net loans and leases to deposits | 59.0233% | 2,985 |
| Net loans and leases to core deposits | 61.8696% | 2,981 |
| Total domestic deposits to total assets | 91.5209% | 789 |
| Equity capital to assets | 5.7757% | 4,621 |
| Core capital (leverage) ratio | 7.9324% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7605% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,481,378,000 | 704 |
| Average earning assets | $1,416,593,000 | 689 |
| Average equity | $99,568,000 | 993 |
| Average total loans | $811,203,500 | 792 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 3,259 |
| Cost of funding earning assets | 0.3341% | 2,077 |
| Net interest margin | 2.9499% | 3,322 |
| Noninterest income to average assets | 0.6112% | 2,111 |
| Noninterest expense to average assets | 2.4228% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8573% | 3,164 |
| Return on assets (ROA) | 0.8608% | 3,218 |
| Pretax return on assets | 1.0127% | 3,230 |
| Return on Equity (ROE) | 10.4002% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.2949% | 1,102 |
| Net charge-offs to loans | 0.0101% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 179.0779% | 580 |
| Efficiency ratio | 70.5960% | 1,668 |
| Assets per employee ($millions) | 7.5654% | 1,577 |
| Cash dividends to net income (ytd only)* | 10.6274% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 1,921 |
| Loan loss allowance to noncurrent loans | 279.1984% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 2,094 |
| Noncurrent loans to loans | 0.5011% | 1,873 |
| Net loans and leases to total assets | 53.9647% | 2,860 |
| Net loans and leases to deposits | 60.9705% | 2,994 |
| Net loans and leases to core deposits | 64.2276% | 2,962 |
| Total domestic deposits to total assets | 88.5095% | 1,787 |
| Equity capital to assets | 7.6651% | 4,522 |
| Core capital (leverage) ratio | 7.7621% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4022% | 2,797 |
| Memoranda: | ||
| Average total assets | $1,366,410,400 | 730 |
| Average earning assets | $1,306,603,600 | 714 |
| Average equity | $113,094,000 | 917 |
| Average total loans | $763,043,800 | 825 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 3,262 |
| Cost of funding earning assets | 0.3535% | 2,082 |
| Net interest margin | 2.9927% | 3,326 |
| Noninterest income to average assets | 0.5911% | 2,248 |
| Noninterest expense to average assets | 2.4517% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8182% | 3,478 |
| Return on assets (ROA) | 0.8221% | 3,539 |
| Pretax return on assets | 1.0029% | 3,446 |
| Return on Equity (ROE) | 9.7336% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.6122% | 1,831 |
| Net charge-offs to loans | 0.0199% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 89.4643% | 925 |
| Efficiency ratio | 71.0497% | 1,489 |
| Assets per employee ($millions) | 7.2996% | 1,678 |
| Cash dividends to net income (ytd only)* | 11.5207% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,563 |
| Loan loss allowance to noncurrent loans | 286.4372% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 2,148 |
| Noncurrent loans to loans | 0.5296% | 1,984 |
| Net loans and leases to total assets | 51.6257% | 3,234 |
| Net loans and leases to deposits | 58.6350% | 3,348 |
| Net loans and leases to core deposits | 62.2697% | 3,292 |
| Total domestic deposits to total assets | 88.0459% | 1,818 |
| Equity capital to assets | 7.9839% | 4,530 |
| Core capital (leverage) ratio | 7.6763% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9273% | 2,733 |
| Memoranda: | ||
| Average total assets | $1,337,309,250 | 755 |
| Average earning assets | $1,277,830,500 | 737 |
| Average equity | $112,952,750 | 929 |
| Average total loans | $750,916,750 | 848 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 3,087 |
| Cost of funding earning assets | 0.3714% | 2,122 |
| Net interest margin | 3.0574% | 3,158 |
| Noninterest income to average assets | 0.6936% | 1,834 |
| Noninterest expense to average assets | 2.4638% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9370% | 3,106 |
| Return on assets (ROA) | 0.9424% | 3,166 |
| Pretax return on assets | 1.1541% | 3,047 |
| Return on Equity (ROE) | 10.9402% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.8756% | 1,435 |
| Net charge-offs to loans | 0.0335% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 59.6508% | 974 |
| Efficiency ratio | 68.2024% | 1,860 |
| Assets per employee ($millions) | 6.9935% | 1,813 |
| Cash dividends to net income (ytd only)* | 9.7308% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,779 |
| Loan loss allowance to noncurrent loans | 274.0184% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 2,210 |
| Noncurrent loans to loans | 0.5283% | 2,087 |
| Net loans and leases to total assets | 55.0319% | 3,014 |
| Net loans and leases to deposits | 62.4637% | 3,155 |
| Net loans and leases to core deposits | 66.0091% | 3,111 |
| Total domestic deposits to total assets | 88.1022% | 1,768 |
| Equity capital to assets | 8.1669% | 4,446 |
| Core capital (leverage) ratio | 7.9149% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2244% | 2,638 |
| Memoranda: | ||
| Average total assets | $1,308,606,333 | 768 |
| Average earning assets | $1,249,346,667 | 744 |
| Average equity | $112,722,333 | 922 |
| Average total loans | $752,499,000 | 849 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 2,891 |
| Cost of funding earning assets | 0.3841% | 2,223 |
| Net interest margin | 3.1252% | 2,915 |
| Noninterest income to average assets | 0.7664% | 1,671 |
| Noninterest expense to average assets | 2.4740% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0450% | 2,654 |
| Return on assets (ROA) | 1.0488% | 2,722 |
| Pretax return on assets | 1.2761% | 2,636 |
| Return on Equity (ROE) | 11.8355% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.7638% | 1,455 |
| Net charge-offs to loans | -0.0098% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0385% | 2,230 |
| Assets per employee ($millions) | 6.6643% | 2,037 |
| Cash dividends to net income (ytd only)* | 9.0552% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,468 |
| Loan loss allowance to noncurrent loans | 237.8974% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 2,264 |
| Noncurrent loans to loans | 0.6468% | 1,951 |
| Net loans and leases to total assets | 56.0880% | 3,028 |
| Net loans and leases to deposits | 63.6358% | 3,161 |
| Net loans and leases to core deposits | 67.4892% | 3,107 |
| Total domestic deposits to total assets | 88.1390% | 1,770 |
| Equity capital to assets | 8.4248% | 4,178 |
| Core capital (leverage) ratio | 8.4146% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8486% | 2,346 |
| Memoranda: | ||
| Average total assets | $1,263,559,500 | 786 |
| Average earning assets | $1,204,795,500 | 766 |
| Average equity | $111,968,000 | 917 |
| Average total loans | $738,230,000 | 860 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 3,950 |
| Cost of funding earning assets | 0.5912% | 2,379 |
| Net interest margin | 2.9452% | 4,020 |
| Noninterest income to average assets | 1.4184% | 589 |
| Noninterest expense to average assets | 2.9522% | 1,539 |
| Loan and lease loss provision to assets | 0.2699% | 1,428 |
| Net operating income to assets | 0.8116% | 3,047 |
| Return on assets (ROA) | 0.9072% | 2,798 |
| Pretax return on assets | 1.1016% | 2,687 |
| Return on Equity (ROE) | 9.4928% | 2,197 |
| Retained earnings to average equity (ytd only) | 8.3926% | 938 |
| Net charge-offs to loans | -0.0273% | 4,505 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1688% | 1,928 |
| Assets per employee ($millions) | 6.1663% | 2,199 |
| Cash dividends to net income (ytd only)* | 11.5897% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,397 |
| Loan loss allowance to noncurrent loans | 207.4773% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 2,234 |
| Noncurrent loans to loans | 0.7523% | 1,817 |
| Net loans and leases to total assets | 59.0504% | 2,975 |
| Net loans and leases to deposits | 67.2327% | 3,159 |
| Net loans and leases to core deposits | 71.2526% | 3,155 |
| Total domestic deposits to total assets | 87.8299% | 1,561 |
| Equity capital to assets | 9.3283% | 3,765 |
| Core capital (leverage) ratio | 8.3231% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1675% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,126,153,000 | 795 |
| Average earning assets | $1,066,374,000 | 773 |
| Average equity | $107,618,800 | 905 |
| Average total loans | $695,724,600 | 870 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 3,839 |
| Cost of funding earning assets | 0.6458% | 2,346 |
| Net interest margin | 3.0352% | 3,893 |
| Noninterest income to average assets | 1.6326% | 448 |
| Noninterest expense to average assets | 3.0460% | 1,344 |
| Loan and lease loss provision to assets | 0.3265% | 1,196 |
| Net operating income to assets | 0.9060% | 2,675 |
| Return on assets (ROA) | 1.0302% | 2,352 |
| Pretax return on assets | 1.2842% | 2,115 |
| Return on Equity (ROE) | 10.7091% | 1,781 |
| Retained earnings to average equity (ytd only) | 9.3463% | 893 |
| Net charge-offs to loans | -0.0204% | 4,432 |
| Credit loss provision to net charge-offs | -2,571.4286% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6643% | 2,231 |
| Assets per employee ($millions) | 5.8666% | 2,384 |
| Cash dividends to net income (ytd only)* | 12.7260% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,555 |
| Loan loss allowance to noncurrent loans | 594.5975% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,633 |
| Noncurrent loans to loans | 0.2430% | 3,430 |
| Net loans and leases to total assets | 63.3547% | 2,840 |
| Net loans and leases to deposits | 72.4071% | 3,097 |
| Net loans and leases to core deposits | 76.4461% | 3,134 |
| Total domestic deposits to total assets | 87.4979% | 1,452 |
| Equity capital to assets | 9.4384% | 3,733 |
| Core capital (leverage) ratio | 8.6052% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9937% | 1,833 |
| Memoranda: | ||
| Average total assets | $1,102,460,250 | 794 |
| Average earning assets | $1,042,115,750 | 774 |
| Average equity | $106,050,500 | 915 |
| Average total loans | $686,557,750 | 875 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,660 |
| Cost of funding earning assets | 0.6954% | 2,413 |
| Net interest margin | 3.1895% | 3,697 |
| Noninterest income to average assets | 1.9551% | 303 |
| Noninterest expense to average assets | 3.1518% | 1,240 |
| Loan and lease loss provision to assets | 0.3150% | 1,360 |
| Net operating income to assets | 1.1894% | 1,671 |
| Return on assets (ROA) | 1.3780% | 1,252 |
| Pretax return on assets | 1.7350% | 922 |
| Return on Equity (ROE) | 14.2263% | 849 |
| Retained earnings to average equity (ytd only) | 12.8163% | 378 |
| Net charge-offs to loans | -0.0432% | 4,647 |
| Credit loss provision to net charge-offs | -1,183.9161% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5052% | 2,883 |
| Assets per employee ($millions) | 5.5809% | 2,565 |
| Cash dividends to net income (ytd only)* | 9.9109% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 1,735 |
| Loan loss allowance to noncurrent loans | 422.0774% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,530 |
| Noncurrent loans to loans | 0.3214% | 3,232 |
| Net loans and leases to total assets | 61.9699% | 3,131 |
| Net loans and leases to deposits | 71.0190% | 3,348 |
| Net loans and leases to core deposits | 74.8704% | 3,382 |
| Total domestic deposits to total assets | 87.2582% | 1,520 |
| Equity capital to assets | 9.3947% | 3,747 |
| Core capital (leverage) ratio | 8.8281% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,074,929,000 | 800 |
| Average earning assets | $1,013,776,000 | 775 |
| Average equity | $104,117,333 | 923 |
| Average total loans | $661,479,333 | 893 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 3,315 |
| Cost of funding earning assets | 0.8049% | 2,362 |
| Net interest margin | 3.3669% | 3,407 |
| Noninterest income to average assets | 0.5443% | 2,309 |
| Noninterest expense to average assets | 2.9672% | 1,961 |
| Loan and lease loss provision to assets | 0.0590% | 3,025 |
| Net operating income to assets | 0.5529% | 3,727 |
| Return on assets (ROA) | 0.5529% | 3,791 |
| Pretax return on assets | 0.6862% | 3,727 |
| Return on Equity (ROE) | 5.6117% | 3,449 |
| Retained earnings to average equity (ytd only) | 4.0888% | 2,647 |
| Net charge-offs to loans | -0.1208% | 4,854 |
| Credit loss provision to net charge-offs | -80.3191% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9263% | 1,145 |
| Assets per employee ($millions) | 4.4607% | 3,323 |
| Cash dividends to net income (ytd only)* | 27.1378% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,922 |
| Loan loss allowance to noncurrent loans | 285.1753% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,322 |
| Noncurrent loans to loans | 0.4727% | 2,833 |
| Net loans and leases to total assets | 58.6312% | 3,624 |
| Net loans and leases to deposits | 68.2115% | 3,718 |
| Net loans and leases to core deposits | 72.3132% | 3,741 |
| Total domestic deposits to total assets | 85.9550% | 2,016 |
| Equity capital to assets | 9.7274% | 4,016 |
| Core capital (leverage) ratio | 9.1408% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6670% | 2,410 |
| Memoranda: | ||
| Average total assets | $1,023,608,000 | 803 |
| Average earning assets | $963,153,000 | 782 |
| Average equity | $100,861,500 | 936 |
| Average total loans | $622,331,000 | 914 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 2,626 |
| Cost of funding earning assets | 0.8578% | 2,391 |
| Net interest margin | 3.7390% | 2,698 |
| Noninterest income to average assets | 0.7420% | 1,657 |
| Noninterest expense to average assets | 2.9006% | 2,289 |
| Loan and lease loss provision to assets | 0.0946% | 2,143 |
| Net operating income to assets | 1.0081% | 2,819 |
| Return on assets (ROA) | 1.0084% | 2,906 |
| Pretax return on assets | 1.2454% | 2,681 |
| Return on Equity (ROE) | 10.4658% | 2,101 |
| Retained earnings to average equity (ytd only) | 9.2652% | 651 |
| Net charge-offs to loans | 0.1112% | 1,617 |
| Credit loss provision to net charge-offs | 135.9281% | 1,889 |
| Earnings coverage of net charge-offs (x) | 19.2425% | 2,013 |
| Efficiency ratio | 68.4068% | 2,404 |
| Assets per employee ($millions) | 5.9120% | 1,699 |
| Cash dividends to net income (ytd only)* | 11.4717% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 1,738 |
| Loan loss allowance to noncurrent loans | 198.7882% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 2,714 |
| Noncurrent loans to loans | 0.6752% | 2,196 |
| Net loans and leases to total assets | 61.4280% | 3,458 |
| Net loans and leases to deposits | 70.4163% | 3,637 |
| Net loans and leases to core deposits | 74.9373% | 3,648 |
| Total domestic deposits to total assets | 87.2355% | 1,495 |
| Equity capital to assets | 10.0104% | 3,905 |
| Core capital (leverage) ratio | 9.5656% | 3,995 |
| Tier 1 risk-based capital ratio | 13.0945% | 3,747 |
| Total risk-based capital ratio | 14.2321% | 3,675 |
| Memoranda: | ||
| Average total assets | $959,523,800 | 818 |
| Average earning assets | $897,737,400 | 803 |
| Average equity | $92,453,600 | 952 |
| Average total loans | $600,871,800 | 907 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 2,601 |
| Cost of funding earning assets | 0.8300% | 2,566 |
| Net interest margin | 3.8089% | 2,566 |
| Noninterest income to average assets | 0.7713% | 1,515 |
| Noninterest expense to average assets | 2.8797% | 2,318 |
| Loan and lease loss provision to assets | 0.1262% | 1,541 |
| Net operating income to assets | 1.0726% | 2,673 |
| Return on assets (ROA) | 1.0730% | 2,765 |
| Pretax return on assets | 1.3248% | 2,585 |
| Return on Equity (ROE) | 11.2487% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.6225% | 859 |
| Net charge-offs to loans | 0.0940% | 1,533 |
| Credit loss provision to net charge-offs | 213.9810% | 1,246 |
| Earnings coverage of net charge-offs (x) | 24.5949% | 1,791 |
| Efficiency ratio | 66.5031% | 2,662 |
| Assets per employee ($millions) | 5.7458% | 1,805 |
| Cash dividends to net income (ytd only)* | 14.4569% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,579 |
| Loan loss allowance to noncurrent loans | 253.7260% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 3,147 |
| Noncurrent loans to loans | 0.5513% | 2,643 |
| Net loans and leases to total assets | 61.2989% | 3,562 |
| Net loans and leases to deposits | 72.3273% | 3,597 |
| Net loans and leases to core deposits | 76.4487% | 3,667 |
| Total domestic deposits to total assets | 84.7521% | 2,522 |
| Equity capital to assets | 9.9472% | 4,072 |
| Core capital (leverage) ratio | 9.4764% | 4,190 |
| Tier 1 risk-based capital ratio | 12.8196% | 3,944 |
| Total risk-based capital ratio | 13.9931% | 3,883 |
| Memoranda: | ||
| Average total assets | $954,054,750 | 820 |
| Average earning assets | $891,429,000 | 809 |
| Average equity | $91,006,500 | 965 |
| Average total loans | $598,325,750 | 915 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 2,491 |
| Cost of funding earning assets | 0.7660% | 2,822 |
| Net interest margin | 3.8915% | 2,264 |
| Noninterest income to average assets | 0.6909% | 1,751 |
| Noninterest expense to average assets | 2.8338% | 2,473 |
| Loan and lease loss provision to assets | 0.1276% | 1,461 |
| Net operating income to assets | 1.0932% | 2,552 |
| Return on assets (ROA) | 1.0938% | 2,619 |
| Pretax return on assets | 1.3653% | 2,317 |
| Return on Equity (ROE) | 11.6372% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.7062% | 601 |
| Net charge-offs to loans | 0.0459% | 1,996 |
| Credit loss provision to net charge-offs | 441.6058% | 659 |
| Earnings coverage of net charge-offs (x) | 51.6423% | 1,070 |
| Efficiency ratio | 65.5097% | 2,887 |
| Assets per employee ($millions) | 5.8793% | 1,634 |
| Cash dividends to net income (ytd only)* | 8.0008% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 1,700 |
| Loan loss allowance to noncurrent loans | 215.6010% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,119 |
| Noncurrent loans to loans | 0.6395% | 2,341 |
| Net loans and leases to total assets | 64.4990% | 3,288 |
| Net loans and leases to deposits | 77.1530% | 3,233 |
| Net loans and leases to core deposits | 81.6929% | 3,286 |
| Total domestic deposits to total assets | 83.5989% | 3,011 |
| Equity capital to assets | 10.0499% | 3,935 |
| Core capital (leverage) ratio | 9.4726% | 4,173 |
| Tier 1 risk-based capital ratio | 12.5372% | 4,104 |
| Total risk-based capital ratio | 13.7057% | 4,035 |
| Memoranda: | ||
| Average total assets | $948,394,670 | 819 |
| Average earning assets | $885,885,330 | 809 |
| Average equity | $89,145,000 | 977 |
| Average total loans | $596,541,670 | 920 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 2,578 |
| Cost of funding earning assets | 0.7540% | 2,774 |
| Net interest margin | 3.8335% | 2,407 |
| Noninterest income to average assets | 0.4866% | 2,631 |
| Noninterest expense to average assets | 2.6642% | 3,017 |
| Loan and lease loss provision to assets | 0.1269% | 1,383 |
| Net operating income to assets | 1.0323% | 2,736 |
| Return on assets (ROA) | 1.0377% | 2,747 |
| Pretax return on assets | 1.2789% | 2,536 |
| Return on Equity (ROE) | 11.4267% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.7350% | 868 |
| Net charge-offs to loans | -0.0346% | 4,698 |
| Credit loss provision to net charge-offs | -594.1176% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5674% | 2,998 |
| Assets per employee ($millions) | 5.7717% | 1,729 |
| Cash dividends to net income (ytd only)* | 6.0533% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,598 |
| Loan loss allowance to noncurrent loans | 296.5763% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,545 |
| Noncurrent loans to loans | 0.4789% | 2,877 |
| Net loans and leases to total assets | 61.3582% | 3,564 |
| Net loans and leases to deposits | 69.6587% | 3,788 |
| Net loans and leases to core deposits | 73.5369% | 3,823 |
| Total domestic deposits to total assets | 88.0841% | 1,293 |
| Equity capital to assets | 9.4700% | 4,286 |
| Core capital (leverage) ratio | 9.2031% | 4,468 |
| Tier 1 risk-based capital ratio | 12.4316% | 4,216 |
| Total risk-based capital ratio | 13.6037% | 4,132 |
| Memoranda: | ||
| Average total assets | $955,188,000 | 820 |
| Average earning assets | $891,205,500 | 807 |
| Average equity | $86,744,000 | 995 |
| Average total loans | $589,126,500 | 934 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 2,693 |
| Cost of funding earning assets | 0.5570% | 3,003 |
| Net interest margin | 3.8650% | 2,444 |
| Noninterest income to average assets | 0.3831% | 3,539 |
| Noninterest expense to average assets | 2.5460% | 3,483 |
| Loan and lease loss provision to assets | 0.1190% | 1,855 |
| Net operating income to assets | 1.0919% | 2,637 |
| Return on assets (ROA) | 1.0832% | 2,663 |
| Pretax return on assets | 1.3293% | 2,403 |
| Return on Equity (ROE) | 12.6576% | 1,483 |
| Retained earnings to average equity (ytd only) | 10.4690% | 531 |
| Net charge-offs to loans | -0.0178% | 4,669 |
| Credit loss provision to net charge-offs | -1,070.8738% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5705% | 3,251 |
| Assets per employee ($millions) | 5.9851% | 1,528 |
| Cash dividends to net income (ytd only)* | 17.2908% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,859 |
| Loan loss allowance to noncurrent loans | 742.0317% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 3,248 |
| Noncurrent loans to loans | 0.1810% | 3,940 |
| Net loans and leases to total assets | 60.3065% | 3,738 |
| Net loans and leases to deposits | 69.1048% | 3,893 |
| Net loans and leases to core deposits | 73.8111% | 3,867 |
| Total domestic deposits to total assets | 87.2681% | 1,656 |
| Equity capital to assets | 8.7043% | 4,797 |
| Core capital (leverage) ratio | 8.9514% | 4,692 |
| Tier 1 risk-based capital ratio | 12.0700% | 4,384 |
| Total risk-based capital ratio | 13.1705% | 4,368 |
| Memoranda: | ||
| Average total assets | $926,871,400 | 825 |
| Average earning assets | $868,560,400 | 814 |
| Average equity | $79,320,200 | 1,035 |
| Average total loans | $578,421,200 | 929 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,736 |
| Cost of funding earning assets | 0.5057% | 3,163 |
| Net interest margin | 3.8616% | 2,427 |
| Noninterest income to average assets | 0.3891% | 3,544 |
| Noninterest expense to average assets | 2.5701% | 3,381 |
| Loan and lease loss provision to assets | 0.1311% | 1,536 |
| Net operating income to assets | 1.0561% | 2,845 |
| Return on assets (ROA) | 1.0444% | 2,907 |
| Pretax return on assets | 1.2931% | 2,653 |
| Return on Equity (ROE) | 12.2600% | 1,696 |
| Retained earnings to average equity (ytd only) | 10.3673% | 804 |
| Net charge-offs to loans | -0.0656% | 5,032 |
| Credit loss provision to net charge-offs | -318.3746% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1122% | 3,164 |
| Assets per employee ($millions) | 5.7314% | 1,708 |
| Cash dividends to net income (ytd only)* | 15.4382% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,852 |
| Loan loss allowance to noncurrent loans | 802.8311% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,381 |
| Noncurrent loans to loans | 0.1691% | 4,132 |
| Net loans and leases to total assets | 60.9884% | 3,746 |
| Net loans and leases to deposits | 70.4096% | 3,887 |
| Net loans and leases to core deposits | 74.3112% | 3,928 |
| Total domestic deposits to total assets | 86.6194% | 1,910 |
| Equity capital to assets | 8.3793% | 4,993 |
| Core capital (leverage) ratio | 8.9976% | 4,707 |
| Tier 1 risk-based capital ratio | 12.1057% | 4,444 |
| Total risk-based capital ratio | 13.2353% | 4,396 |
| Memoranda: | ||
| Average total assets | $916,191,250 | 829 |
| Average earning assets | $858,799,000 | 820 |
| Average equity | $78,051,250 | 1,046 |
| Average total loans | $574,854,250 | 935 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,699 |
| Cost of funding earning assets | 0.4668% | 3,243 |
| Net interest margin | 3.8516% | 2,377 |
| Noninterest income to average assets | 0.3983% | 3,503 |
| Noninterest expense to average assets | 2.5758% | 3,396 |
| Loan and lease loss provision to assets | 0.1322% | 1,497 |
| Net operating income to assets | 1.0464% | 2,827 |
| Return on assets (ROA) | 1.0289% | 2,901 |
| Pretax return on assets | 1.2790% | 2,594 |
| Return on Equity (ROE) | 12.0096% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.7914% | 712 |
| Net charge-offs to loans | -0.1249% | 5,221 |
| Credit loss provision to net charge-offs | -167.7871% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2539% | 3,284 |
| Assets per employee ($millions) | 5.6146% | 1,792 |
| Cash dividends to net income (ytd only)* | 10.1437% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,018 |
| Loan loss allowance to noncurrent loans | 739.4056% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,387 |
| Noncurrent loans to loans | 0.1804% | 4,098 |
| Net loans and leases to total assets | 61.9601% | 3,606 |
| Net loans and leases to deposits | 68.8873% | 3,955 |
| Net loans and leases to core deposits | 72.7867% | 3,958 |
| Total domestic deposits to total assets | 89.9442% | 590 |
| Equity capital to assets | 8.5590% | 4,903 |
| Core capital (leverage) ratio | 9.1086% | 4,574 |
| Tier 1 risk-based capital ratio | 12.1339% | 4,416 |
| Total risk-based capital ratio | 13.2586% | 4,366 |
| Memoranda: | ||
| Average total assets | $906,362,330 | 843 |
| Average earning assets | $849,612,000 | 830 |
| Average equity | $77,654,670 | 1,046 |
| Average total loans | $571,574,330 | 939 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,613 |
| Cost of funding earning assets | 0.3988% | 3,598 |
| Net interest margin | 3.8779% | 2,130 |
| Noninterest income to average assets | 0.3848% | 3,569 |
| Noninterest expense to average assets | 2.6243% | 3,262 |
| Loan and lease loss provision to assets | 0.1326% | 1,427 |
| Net operating income to assets | 1.0197% | 2,781 |
| Return on assets (ROA) | 0.9840% | 2,951 |
| Pretax return on assets | 1.2172% | 2,685 |
| Return on Equity (ROE) | 11.4795% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.4795% | 792 |
| Net charge-offs to loans | -0.1112% | 5,240 |
| Credit loss provision to net charge-offs | -188.6076% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3122% | 3,277 |
| Assets per employee ($millions) | 5.4690% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,649 |
| Noncurrent loans to loans | 0.1028% | 4,510 |
| Net loans and leases to total assets | 64.4037% | 3,258 |
| Net loans and leases to deposits | 71.9074% | 3,612 |
| Net loans and leases to core deposits | 76.0508% | 3,663 |
| Total domestic deposits to total assets | 89.5647% | 851 |
| Equity capital to assets | 8.6388% | 4,869 |
| Core capital (leverage) ratio | 8.9938% | 4,684 |
| Tier 1 risk-based capital ratio | 11.8133% | 4,673 |
| Total risk-based capital ratio | 12.8622% | 4,691 |
| Memoranda: | ||
| Average total assets | $899,144,500 | 856 |
| Average earning assets | $842,425,000 | 843 |
| Average equity | $77,076,500 | 1,064 |
| Average total loans | $568,242,000 | 941 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,312 |
| Cost of funding earning assets | 0.3456% | 3,752 |
| Net interest margin | 3.6835% | 2,866 |
| Noninterest income to average assets | 0.3777% | 3,773 |
| Noninterest expense to average assets | 2.5358% | 3,655 |
| Loan and lease loss provision to assets | 0.2724% | 657 |
| Net operating income to assets | 0.4752% | 4,442 |
| Return on assets (ROA) | 0.4665% | 4,503 |
| Pretax return on assets | 0.9998% | 3,572 |
| Return on Equity (ROE) | 5.4305% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.4189% | 3,238 |
| Net charge-offs to loans | 0.4484% | 535 |
| Credit loss provision to net charge-offs | 98.8278% | 2,631 |
| Earnings coverage of net charge-offs (x) | 4.6645% | 3,435 |
| Efficiency ratio | 66.3537% | 3,199 |
| Assets per employee ($millions) | 5.4300% | 2,014 |
| Cash dividends to net income (ytd only)* | 37.0432% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,636 |
| Loan loss allowance to noncurrent loans | 433.0769% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,237 |
| Noncurrent loans to loans | 0.2828% | 3,771 |
| Net loans and leases to total assets | 60.4488% | 3,788 |
| Net loans and leases to deposits | 67.6767% | 4,048 |
| Net loans and leases to core deposits | 71.4409% | 4,087 |
| Total domestic deposits to total assets | 89.3199% | 858 |
| Equity capital to assets | 8.5060% | 5,117 |
| Core capital (leverage) ratio | 8.3389% | 5,262 |
| Tier 1 risk-based capital ratio | 11.8272% | 4,640 |
| Total risk-based capital ratio | 12.8433% | 4,681 |
| Memoranda: | ||
| Average total assets | $897,464,200 | 834 |
| Average earning assets | $839,104,200 | 816 |
| Average equity | $77,101,000 | 1,047 |
| Average total loans | $551,749,400 | 935 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,503 |
| Cost of funding earning assets | 0.3412% | 3,759 |
| Net interest margin | 3.6137% | 3,096 |
| Noninterest income to average assets | 0.3736% | 3,857 |
| Noninterest expense to average assets | 2.5428% | 3,589 |
| Loan and lease loss provision to assets | 0.1359% | 1,586 |
| Net operating income to assets | 0.7490% | 3,744 |
| Return on assets (ROA) | 0.7490% | 3,804 |
| Pretax return on assets | 1.0710% | 3,419 |
| Return on Equity (ROE) | 8.6966% | 2,765 |
| Retained earnings to average equity (ytd only) | 6.9714% | 1,704 |
| Net charge-offs to loans | 0.2658% | 814 |
| Credit loss provision to net charge-offs | 83.0909% | 2,538 |
| Earnings coverage of net charge-offs (x) | 7.3773% | 2,879 |
| Efficiency ratio | 67.8129% | 2,908 |
| Assets per employee ($millions) | 5.7219% | 1,700 |
| Cash dividends to net income (ytd only)* | 19.8372% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,183 |
| Loan loss allowance to noncurrent loans | 337.8904% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 3,318 |
| Noncurrent loans to loans | 0.3411% | 3,726 |
| Net loans and leases to total assets | 59.5821% | 3,913 |
| Net loans and leases to deposits | 66.7227% | 4,197 |
| Net loans and leases to core deposits | 70.2930% | 4,225 |
| Total domestic deposits to total assets | 89.2981% | 748 |
| Equity capital to assets | 8.4540% | 5,313 |
| Core capital (leverage) ratio | 8.5161% | 5,235 |
| Tier 1 risk-based capital ratio | 11.6806% | 4,839 |
| Total risk-based capital ratio | 12.6436% | 4,907 |
| Memoranda: | ||
| Average total assets | $896,485,750 | 842 |
| Average earning assets | $837,532,750 | 826 |
| Average equity | $77,208,500 | 1,050 |
| Average total loans | $551,779,750 | 935 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,413 |
| Cost of funding earning assets | 0.3447% | 3,635 |
| Net interest margin | 3.5937% | 3,066 |
| Noninterest income to average assets | 0.3767% | 3,862 |
| Noninterest expense to average assets | 2.5758% | 3,504 |
| Loan and lease loss provision to assets | 0.1020% | 1,987 |
| Net operating income to assets | 0.7277% | 3,721 |
| Return on assets (ROA) | 0.7277% | 3,785 |
| Pretax return on assets | 1.0490% | 3,377 |
| Return on Equity (ROE) | 8.3935% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.0755% | 1,562 |
| Net charge-offs to loans | 0.0169% | 2,911 |
| Credit loss provision to net charge-offs | 973.9130% | 394 |
| Earnings coverage of net charge-offs (x) | 109.9348% | 611 |
| Efficiency ratio | 69.1157% | 2,827 |
| Assets per employee ($millions) | 5.6103% | 1,779 |
| Cash dividends to net income (ytd only)* | 15.7022% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,614 |
| Loan loss allowance to noncurrent loans | 827.9954% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,813 |
| Noncurrent loans to loans | 0.1524% | 4,502 |
| Net loans and leases to total assets | 62.2656% | 3,600 |
| Net loans and leases to deposits | 70.3494% | 3,885 |
| Net loans and leases to core deposits | 74.5739% | 3,893 |
| Total domestic deposits to total assets | 88.5091% | 1,199 |
| Equity capital to assets | 8.6902% | 5,153 |
| Core capital (leverage) ratio | 8.6405% | 5,097 |
| Tier 1 risk-based capital ratio | 11.3731% | 5,039 |
| Total risk-based capital ratio | 12.4117% | 5,055 |
| Memoranda: | ||
| Average total assets | $878,701,670 | 862 |
| Average earning assets | $819,156,000 | 853 |
| Average equity | $76,178,330 | 1,068 |
| Average total loans | $544,862,330 | 943 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 3,457 |
| Cost of funding earning assets | 0.3452% | 3,586 |
| Net interest margin | 3.5359% | 3,144 |
| Noninterest income to average assets | 0.3772% | 3,829 |
| Noninterest expense to average assets | 2.5853% | 3,550 |
| Loan and lease loss provision to assets | 0.0559% | 2,688 |
| Net operating income to assets | 0.7110% | 3,657 |
| Return on assets (ROA) | 0.7110% | 3,698 |
| Pretax return on assets | 1.0272% | 3,253 |
| Return on Equity (ROE) | 8.2111% | 2,803 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,578 |
| Net charge-offs to loans | 0.0315% | 2,137 |
| Credit loss provision to net charge-offs | 288.0952% | 810 |
| Earnings coverage of net charge-offs (x) | 55.8571% | 843 |
| Efficiency ratio | 70.4757% | 2,824 |
| Assets per employee ($millions) | 5.3630% | 2,015 |
| Cash dividends to net income (ytd only)* | 32.5974% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,685 |
| Loan loss allowance to noncurrent loans | 910.3448% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,900 |
| Noncurrent loans to loans | 0.1395% | 4,637 |
| Net loans and leases to total assets | 60.6559% | 3,709 |
| Net loans and leases to deposits | 68.3122% | 3,966 |
| Net loans and leases to core deposits | 72.4762% | 3,949 |
| Total domestic deposits to total assets | 88.7922% | 1,257 |
| Equity capital to assets | 8.6150% | 5,141 |
| Core capital (leverage) ratio | 8.8121% | 4,944 |
| Tier 1 risk-based capital ratio | 11.7504% | 4,885 |
| Total risk-based capital ratio | 12.7973% | 4,904 |
| Memoranda: | ||
| Average total assets | $866,426,500 | 875 |
| Average earning assets | $806,471,500 | 868 |
| Average equity | $75,020,500 | 1,075 |
| Average total loans | $532,492,500 | 964 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 3,317 |
| Cost of funding earning assets | 0.3546% | 3,465 |
| Net interest margin | 3.6138% | 3,026 |
| Noninterest income to average assets | 0.2939% | 4,638 |
| Noninterest expense to average assets | 2.6445% | 3,543 |
| Loan and lease loss provision to assets | 0.0573% | 3,241 |
| Net operating income to assets | 0.6781% | 3,879 |
| Return on assets (ROA) | 0.6808% | 3,983 |
| Pretax return on assets | 0.9552% | 3,635 |
| Return on Equity (ROE) | 7.2864% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.0308% | 2,325 |
| Net charge-offs to loans | 0.0369% | 3,286 |
| Credit loss provision to net charge-offs | 244.1489% | 1,188 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,121 |
| Efficiency ratio | 72.3888% | 2,529 |
| Assets per employee ($millions) | 5.2351% | 2,129 |
| Cash dividends to net income (ytd only)* | 30.9567% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,585 |
| Loan loss allowance to noncurrent loans | 1,446.6951% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 4,076 |
| Noncurrent loans to loans | 0.0894% | 4,880 |
| Net loans and leases to total assets | 60.6862% | 3,777 |
| Net loans and leases to deposits | 68.3260% | 4,061 |
| Net loans and leases to core deposits | 73.0519% | 4,006 |
| Total domestic deposits to total assets | 88.8187% | 1,198 |
| Equity capital to assets | 8.7036% | 5,102 |
| Core capital (leverage) ratio | 8.8515% | 4,908 |
| Tier 1 risk-based capital ratio | 11.8396% | 4,829 |
| Total risk-based capital ratio | 12.8957% | 4,865 |
| Memoranda: | ||
| Average total assets | $801,426,200 | 904 |
| Average earning assets | $745,006,800 | 896 |
| Average equity | $74,879,400 | 1,062 |
| Average total loans | $509,731,600 | 961 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,385 |
| Cost of funding earning assets | 0.3549% | 3,491 |
| Net interest margin | 3.6021% | 3,068 |
| Noninterest income to average assets | 0.2626% | 4,892 |
| Noninterest expense to average assets | 2.6666% | 3,440 |
| Loan and lease loss provision to assets | 0.0507% | 3,231 |
| Net operating income to assets | 0.6359% | 4,143 |
| Return on assets (ROA) | 0.6395% | 4,249 |
| Pretax return on assets | 0.9010% | 3,977 |
| Return on Equity (ROE) | 6.7205% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,091 |
| Net charge-offs to loans | 0.0082% | 3,640 |
| Credit loss provision to net charge-offs | 967.7419% | 423 |
| Earnings coverage of net charge-offs (x) | 180.5906% | 403 |
| Efficiency ratio | 73.8007% | 2,323 |
| Assets per employee ($millions) | 5.0160% | 2,355 |
| Cash dividends to net income (ytd only)* | 31.8086% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,741 |
| Loan loss allowance to noncurrent loans | 717.0190% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,915 |
| Noncurrent loans to loans | 0.1799% | 4,632 |
| Net loans and leases to total assets | 64.2583% | 3,362 |
| Net loans and leases to deposits | 73.1322% | 3,682 |
| Net loans and leases to core deposits | 78.7961% | 3,575 |
| Total domestic deposits to total assets | 87.8659% | 1,470 |
| Equity capital to assets | 9.4748% | 4,686 |
| Core capital (leverage) ratio | 9.3576% | 4,384 |
| Tier 1 risk-based capital ratio | 12.0352% | 4,771 |
| Total risk-based capital ratio | 13.1255% | 4,766 |
| Memoranda: | ||
| Average total assets | $788,451,750 | 915 |
| Average earning assets | $733,406,500 | 906 |
| Average equity | $75,031,750 | 1,061 |
| Average total loans | $506,005,750 | 972 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 3,581 |
| Cost of funding earning assets | 0.3521% | 3,541 |
| Net interest margin | 3.5559% | 3,275 |
| Noninterest income to average assets | 0.1846% | 5,390 |
| Noninterest expense to average assets | 2.6898% | 3,431 |
| Loan and lease loss provision to assets | 0.0220% | 3,688 |
| Net operating income to assets | 0.5534% | 4,469 |
| Return on assets (ROA) | 0.5534% | 4,583 |
| Pretax return on assets | 0.7759% | 4,368 |
| Return on Equity (ROE) | 5.8065% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.2870% | 3,805 |
| Net charge-offs to loans | 0.0248% | 2,988 |
| Credit loss provision to net charge-offs | 138.7097% | 1,693 |
| Earnings coverage of net charge-offs (x) | 50.3226% | 993 |
| Efficiency ratio | 77.1227% | 1,911 |
| Assets per employee ($millions) | 4.8268% | 2,522 |
| Cash dividends to net income (ytd only)* | 43.3919% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,998 |
| Loan loss allowance to noncurrent loans | 632.9138% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 3,799 |
| Noncurrent loans to loans | 0.1994% | 4,644 |
| Net loans and leases to total assets | 64.6036% | 3,279 |
| Net loans and leases to deposits | 74.0560% | 3,585 |
| Net loans and leases to core deposits | 79.5528% | 3,507 |
| Total domestic deposits to total assets | 87.2361% | 1,791 |
| Equity capital to assets | 9.5921% | 4,680 |
| Core capital (leverage) ratio | 9.3468% | 4,399 |
| Tier 1 risk-based capital ratio | 12.2180% | 4,691 |
| Total risk-based capital ratio | 13.3046% | 4,709 |
| Memoranda: | ||
| Average total assets | $782,077,670 | 923 |
| Average earning assets | $726,446,000 | 911 |
| Average equity | $74,537,000 | 1,068 |
| Average total loans | $499,435,670 | 979 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 3,781 |
| Cost of funding earning assets | 0.3461% | 3,644 |
| Net interest margin | 3.5002% | 3,476 |
| Noninterest income to average assets | 0.3726% | 4,056 |
| Noninterest expense to average assets | 2.6795% | 3,500 |
| Loan and lease loss provision to assets | 0.0226% | 3,386 |
| Net operating income to assets | 0.6597% | 3,935 |
| Return on assets (ROA) | 0.6597% | 4,055 |
| Pretax return on assets | 0.9129% | 3,790 |
| Return on Equity (ROE) | 6.9447% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.9436% | 3,518 |
| Net charge-offs to loans | 0.0286% | 2,370 |
| Credit loss provision to net charge-offs | 125.7143% | 1,389 |
| Earnings coverage of net charge-offs (x) | 51.9429% | 864 |
| Efficiency ratio | 74.1210% | 2,456 |
| Assets per employee ($millions) | 4.8092% | 2,575 |
| Cash dividends to net income (ytd only)* | 43.2137% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,764 |
| Loan loss allowance to noncurrent loans | 396.7762% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 4,586 |
| Noncurrent loans to loans | 0.3351% | 4,234 |
| Net loans and leases to total assets | 62.1335% | 3,506 |
| Net loans and leases to deposits | 70.6486% | 3,793 |
| Net loans and leases to core deposits | 75.8181% | 3,698 |
| Total domestic deposits to total assets | 87.9472% | 1,668 |
| Equity capital to assets | 9.5691% | 4,598 |
| Core capital (leverage) ratio | 9.4431% | 4,291 |
| Tier 1 risk-based capital ratio | 12.4504% | 4,618 |
| Total risk-based capital ratio | 13.5626% | 4,614 |
| Memoranda: | ||
| Average total assets | $777,320,500 | 928 |
| Average earning assets | $720,065,500 | 920 |
| Average equity | $73,840,500 | 1,077 |
| Average total loans | $490,186,000 | 996 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,051 |
| Cost of funding earning assets | 0.3448% | 3,746 |
| Net interest margin | 3.7201% | 2,677 |
| Noninterest income to average assets | 0.4401% | 3,745 |
| Noninterest expense to average assets | 2.6910% | 3,610 |
| Loan and lease loss provision to assets | 0.1281% | 1,882 |
| Net operating income to assets | 0.7471% | 3,590 |
| Return on assets (ROA) | 0.7471% | 3,683 |
| Pretax return on assets | 1.0451% | 3,286 |
| Return on Equity (ROE) | 7.7661% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.5886% | 2,024 |
| Net charge-offs to loans | 0.1320% | 2,050 |
| Credit loss provision to net charge-offs | 151.1924% | 1,760 |
| Earnings coverage of net charge-offs (x) | 13.8458% | 2,343 |
| Efficiency ratio | 69.6381% | 3,283 |
| Assets per employee ($millions) | 4.9398% | 2,435 |
| Cash dividends to net income (ytd only)* | 28.0382% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,758 |
| Loan loss allowance to noncurrent loans | 262.8733% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 4,056 |
| Noncurrent loans to loans | 0.5060% | 3,667 |
| Net loans and leases to total assets | 62.3118% | 3,511 |
| Net loans and leases to deposits | 70.9332% | 3,819 |
| Net loans and leases to core deposits | 75.3685% | 3,812 |
| Total domestic deposits to total assets | 87.8457% | 1,725 |
| Equity capital to assets | 9.4293% | 4,638 |
| Core capital (leverage) ratio | 9.3995% | 4,321 |
| Tier 1 risk-based capital ratio | 12.5718% | 4,582 |
| Total risk-based capital ratio | 13.7036% | 4,552 |
| Memoranda: | ||
| Average total assets | $742,298,200 | 930 |
| Average earning assets | $683,232,800 | 934 |
| Average equity | $71,413,200 | 1,062 |
| Average total loans | $476,401,400 | 979 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,095 |
| Cost of funding earning assets | 0.3445% | 3,818 |
| Net interest margin | 3.7171% | 2,684 |
| Noninterest income to average assets | 0.4609% | 3,628 |
| Noninterest expense to average assets | 2.7449% | 3,404 |
| Loan and lease loss provision to assets | 0.1728% | 1,227 |
| Net operating income to assets | 0.6719% | 4,026 |
| Return on assets (ROA) | 0.6719% | 4,133 |
| Pretax return on assets | 0.9633% | 3,767 |
| Return on Equity (ROE) | 6.9479% | 3,652 |
| Retained earnings to average equity (ytd only) | 4.7690% | 3,074 |
| Net charge-offs to loans | 0.3647% | 716 |
| Credit loss provision to net charge-offs | 73.4930% | 2,709 |
| Earnings coverage of net charge-offs (x) | 4.8331% | 3,291 |
| Efficiency ratio | 70.7278% | 3,092 |
| Assets per employee ($millions) | 4.7448% | 2,631 |
| Cash dividends to net income (ytd only)* | 31.3598% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,583 |
| Loan loss allowance to noncurrent loans | 409.3072% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 4,365 |
| Noncurrent loans to loans | 0.2960% | 4,531 |
| Net loans and leases to total assets | 63.6091% | 3,365 |
| Net loans and leases to deposits | 72.6552% | 3,688 |
| Net loans and leases to core deposits | 77.5645% | 3,644 |
| Total domestic deposits to total assets | 87.5492% | 1,779 |
| Equity capital to assets | 9.6580% | 4,564 |
| Core capital (leverage) ratio | 9.5849% | 4,190 |
| Tier 1 risk-based capital ratio | 12.6414% | 4,656 |
| Total risk-based capital ratio | 13.6842% | 4,713 |
| Memoranda: | ||
| Average total assets | $733,986,000 | 948 |
| Average earning assets | $675,354,250 | 956 |
| Average equity | $70,984,250 | 1,080 |
| Average total loans | $473,059,000 | 980 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 3,178 |
| Cost of funding earning assets | 0.3457% | 3,864 |
| Net interest margin | 3.6813% | 2,794 |
| Noninterest income to average assets | 0.4751% | 3,524 |
| Noninterest expense to average assets | 2.7919% | 3,263 |
| Loan and lease loss provision to assets | 0.1504% | 1,417 |
| Net operating income to assets | 0.6480% | 4,129 |
| Return on assets (ROA) | 0.6480% | 4,239 |
| Pretax return on assets | 0.9144% | 3,901 |
| Return on Equity (ROE) | 6.6968% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.4192% | 3,200 |
| Net charge-offs to loans | 0.4244% | 605 |
| Credit loss provision to net charge-offs | 54.9649% | 2,650 |
| Earnings coverage of net charge-offs (x) | 3.8917% | 3,121 |
| Efficiency ratio | 72.3902% | 2,953 |
| Assets per employee ($millions) | 4.5390% | 2,923 |
| Cash dividends to net income (ytd only)* | 34.0110% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,877 |
| Loan loss allowance to noncurrent loans | 363.7112% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 4,310 |
| Noncurrent loans to loans | 0.3259% | 4,530 |
| Net loans and leases to total assets | 65.5196% | 3,040 |
| Net loans and leases to deposits | 76.0364% | 3,265 |
| Net loans and leases to core deposits | 80.7625% | 3,297 |
| Total domestic deposits to total assets | 86.1687% | 2,596 |
| Equity capital to assets | 9.7517% | 4,346 |
| Core capital (leverage) ratio | 9.5843% | 4,154 |
| Tier 1 risk-based capital ratio | 12.4049% | 4,871 |
| Total risk-based capital ratio | 13.4237% | 4,921 |
| Memoranda: | ||
| Average total assets | $728,754,330 | 955 |
| Average earning assets | $669,439,000 | 964 |
| Average equity | $70,511,000 | 1,092 |
| Average total loans | $469,840,670 | 989 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,323 |
| Cost of funding earning assets | 0.3488% | 3,868 |
| Net interest margin | 3.6248% | 2,909 |
| Noninterest income to average assets | 0.5117% | 3,214 |
| Noninterest expense to average assets | 2.7532% | 3,407 |
| Loan and lease loss provision to assets | 0.1907% | 983 |
| Net operating income to assets | 0.6546% | 4,025 |
| Return on assets (ROA) | 0.6546% | 4,146 |
| Pretax return on assets | 0.8981% | 3,906 |
| Return on Equity (ROE) | 6.7926% | 3,615 |
| Retained earnings to average equity (ytd only) | 4.2547% | 3,464 |
| Net charge-offs to loans | 0.5155% | 486 |
| Credit loss provision to net charge-offs | 58.2215% | 2,023 |
| Earnings coverage of net charge-offs (x) | 3.3238% | 2,620 |
| Efficiency ratio | 71.6595% | 3,224 |
| Assets per employee ($millions) | 4.5534% | 2,968 |
| Cash dividends to net income (ytd only)* | 37.3636% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 3,617 |
| Loan loss allowance to noncurrent loans | 474.3017% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 4,554 |
| Noncurrent loans to loans | 0.2662% | 4,826 |
| Net loans and leases to total assets | 63.7909% | 3,118 |
| Net loans and leases to deposits | 74.2413% | 3,279 |
| Net loans and leases to core deposits | 79.0499% | 3,278 |
| Total domestic deposits to total assets | 85.9238% | 2,980 |
| Equity capital to assets | 9.6998% | 4,512 |
| Core capital (leverage) ratio | 9.5260% | 4,232 |
| Tier 1 risk-based capital ratio | 12.6693% | 4,802 |
| Total risk-based capital ratio | 13.7586% | 4,804 |
| Memoranda: | ||
| Average total assets | $727,743,000 | 952 |
| Average earning assets | $668,620,000 | 960 |
| Average equity | $70,135,000 | 1,103 |
| Average total loans | $462,488,500 | 1,004 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,703 |
| Cost of funding earning assets | 0.3685% | 4,054 |
| Net interest margin | 3.6392% | 3,258 |
| Noninterest income to average assets | 0.4429% | 3,879 |
| Noninterest expense to average assets | 2.7889% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7083% | 3,846 |
| Return on assets (ROA) | 0.7083% | 3,965 |
| Pretax return on assets | 0.9784% | 3,580 |
| Return on Equity (ROE) | 7.3472% | 3,440 |
| Retained earnings to average equity (ytd only) | 4.1447% | 3,250 |
| Net charge-offs to loans | 0.0147% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 111.5323% | 474 |
| Efficiency ratio | 74.0282% | 2,832 |
| Assets per employee ($millions) | 4.4326% | 3,146 |
| Cash dividends to net income (ytd only)* | 43.5877% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 3,123 |
| Loan loss allowance to noncurrent loans | 337.8069% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 3,984 |
| Noncurrent loans to loans | 0.4035% | 4,429 |
| Net loans and leases to total assets | 61.6414% | 3,549 |
| Net loans and leases to deposits | 70.6695% | 3,818 |
| Net loans and leases to core deposits | 75.1134% | 3,810 |
| Total domestic deposits to total assets | 87.2249% | 2,159 |
| Equity capital to assets | 9.5747% | 4,626 |
| Core capital (leverage) ratio | 9.3493% | 4,465 |
| Tier 1 risk-based capital ratio | 12.7842% | 4,866 |
| Total risk-based capital ratio | 13.9451% | 4,835 |
| Memoranda: | ||
| Average total assets | $706,736,200 | 948 |
| Average earning assets | $645,613,400 | 951 |
| Average equity | $68,135,000 | 1,082 |
| Average total loans | $421,846,400 | 1,042 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 3,717 |
| Cost of funding earning assets | 0.3742% | 4,086 |
| Net interest margin | 3.6364% | 3,284 |
| Noninterest income to average assets | 0.4503% | 3,894 |
| Noninterest expense to average assets | 2.8088% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6687% | 4,110 |
| Return on assets (ROA) | 0.6687% | 4,204 |
| Pretax return on assets | 0.9600% | 3,757 |
| Return on Equity (ROE) | 6.9234% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.3191% | 4,256 |
| Net charge-offs to loans | -0.0216% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5286% | 2,734 |
| Assets per employee ($millions) | 4.2935% | 3,306 |
| Cash dividends to net income (ytd only)* | 52.0604% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 3,020 |
| Loan loss allowance to noncurrent loans | 242.7419% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 3,229 |
| Noncurrent loans to loans | 0.5906% | 4,155 |
| Net loans and leases to total assets | 60.9765% | 3,632 |
| Net loans and leases to deposits | 71.4004% | 3,749 |
| Net loans and leases to core deposits | 75.9556% | 3,745 |
| Total domestic deposits to total assets | 85.4008% | 3,159 |
| Equity capital to assets | 9.6720% | 4,581 |
| Core capital (leverage) ratio | 9.5188% | 4,346 |
| Tier 1 risk-based capital ratio | 12.8067% | 4,972 |
| Total risk-based capital ratio | 14.0140% | 4,907 |
| Memoranda: | ||
| Average total assets | $701,684,000 | 964 |
| Average earning assets | $640,323,500 | 967 |
| Average equity | $67,768,000 | 1,090 |
| Average total loans | $413,735,250 | 1,064 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,755 |
| Cost of funding earning assets | 0.3832% | 4,065 |
| Net interest margin | 3.6087% | 3,329 |
| Noninterest income to average assets | 0.4673% | 3,737 |
| Noninterest expense to average assets | 2.7762% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6745% | 3,966 |
| Return on assets (ROA) | 0.6745% | 4,067 |
| Pretax return on assets | 0.9805% | 3,553 |
| Return on Equity (ROE) | 6.9873% | 3,628 |
| Retained earnings to average equity (ytd only) | 2.5972% | 4,545 |
| Net charge-offs to loans | -0.0257% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8998% | 2,992 |
| Assets per employee ($millions) | 4.1163% | 3,615 |
| Cash dividends to net income (ytd only)* | 62.8292% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,626 |
| Loan loss allowance to noncurrent loans | 478.4522% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 3,856 |
| Noncurrent loans to loans | 0.3261% | 5,035 |
| Net loans and leases to total assets | 57.5310% | 4,049 |
| Net loans and leases to deposits | 66.2169% | 4,249 |
| Net loans and leases to core deposits | 70.6727% | 4,195 |
| Total domestic deposits to total assets | 86.8826% | 2,526 |
| Equity capital to assets | 9.8331% | 4,308 |
| Core capital (leverage) ratio | 9.4907% | 4,346 |
| Tier 1 risk-based capital ratio | 13.9286% | 4,295 |
| Total risk-based capital ratio | 15.1796% | 4,246 |
| Memoranda: | ||
| Average total assets | $698,006,330 | 968 |
| Average earning assets | $636,248,330 | 968 |
| Average equity | $67,379,330 | 1,085 |
| Average total loans | $404,676,670 | 1,080 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,902 |
| Cost of funding earning assets | 0.3887% | 4,102 |
| Net interest margin | 3.5598% | 3,438 |
| Noninterest income to average assets | 0.4752% | 3,601 |
| Noninterest expense to average assets | 2.7403% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6719% | 3,836 |
| Return on assets (ROA) | 0.6719% | 3,918 |
| Pretax return on assets | 0.9845% | 3,391 |
| Return on Equity (ROE) | 7.0255% | 3,469 |
| Retained earnings to average equity (ytd only) | 0.3161% | 5,443 |
| Net charge-offs to loans | -0.1600% | 6,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5681% | 3,219 |
| Assets per employee ($millions) | 4.3696% | 3,205 |
| Cash dividends to net income (ytd only)* | 95.5008% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 2,936 |
| Loan loss allowance to noncurrent loans | 319.8405% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 3,963 |
| Noncurrent loans to loans | 0.4841% | 4,707 |
| Net loans and leases to total assets | 58.3480% | 3,790 |
| Net loans and leases to deposits | 66.8785% | 3,988 |
| Net loans and leases to core deposits | 71.3456% | 3,942 |
| Total domestic deposits to total assets | 87.2447% | 2,669 |
| Equity capital to assets | 9.6104% | 4,339 |
| Core capital (leverage) ratio | 9.3518% | 4,499 |
| Tier 1 risk-based capital ratio | 13.4857% | 4,692 |
| Total risk-based capital ratio | 14.7338% | 4,635 |
| Memoranda: | ||
| Average total assets | $701,244,500 | 969 |
| Average earning assets | $640,141,000 | 973 |
| Average equity | $67,069,500 | 1,092 |
| Average total loans | $404,940,000 | 1,081 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,493 |
| Cost of funding earning assets | 0.4445% | 4,168 |
| Net interest margin | 3.7167% | 2,989 |
| Noninterest income to average assets | 0.4058% | 4,403 |
| Noninterest expense to average assets | 2.7990% | 3,727 |
| Loan and lease loss provision to assets | 0.0892% | 3,330 |
| Net operating income to assets | 0.6243% | 4,142 |
| Return on assets (ROA) | 0.6243% | 4,259 |
| Pretax return on assets | 0.9067% | 3,740 |
| Return on Equity (ROE) | 6.4624% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.7118% | 2,807 |
| Net charge-offs to loans | 0.1507% | 3,297 |
| Credit loss provision to net charge-offs | 102.1631% | 2,367 |
| Earnings coverage of net charge-offs (x) | 11.4060% | 2,245 |
| Efficiency ratio | 73.7578% | 3,168 |
| Assets per employee ($millions) | 4.3417% | 3,191 |
| Cash dividends to net income (ytd only)* | 27.0887% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 2,834 |
| Loan loss allowance to noncurrent loans | 243.7256% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 3,669 |
| Noncurrent loans to loans | 0.6487% | 4,351 |
| Net loans and leases to total assets | 55.3461% | 4,411 |
| Net loans and leases to deposits | 63.2843% | 4,584 |
| Net loans and leases to core deposits | 67.8439% | 4,533 |
| Total domestic deposits to total assets | 87.4562% | 2,492 |
| Equity capital to assets | 9.5186% | 4,403 |
| Core capital (leverage) ratio | 9.2965% | 4,557 |
| Tier 1 risk-based capital ratio | 13.8483% | 4,403 |
| Total risk-based capital ratio | 15.0992% | 4,347 |
| Memoranda: | ||
| Average total assets | $688,342,200 | 962 |
| Average earning assets | $627,678,200 | 967 |
| Average equity | $66,492,000 | 1,080 |
| Average total loans | $398,931,600 | 1,075 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 3,391 |
| Cost of funding earning assets | 0.4527% | 4,248 |
| Net interest margin | 3.7476% | 2,858 |
| Noninterest income to average assets | 0.4037% | 4,510 |
| Noninterest expense to average assets | 2.8299% | 3,560 |
| Loan and lease loss provision to assets | 0.1196% | 2,804 |
| Net operating income to assets | 0.5934% | 4,384 |
| Return on assets (ROA) | 0.5934% | 4,507 |
| Pretax return on assets | 0.8739% | 3,996 |
| Return on Equity (ROE) | 6.1204% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.4391% | 3,515 |
| Net charge-offs to loans | -0.0760% | 6,431 |
| Credit loss provision to net charge-offs | -269.2982% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0156% | 3,068 |
| Assets per employee ($millions) | 4.1763% | 3,473 |
| Cash dividends to net income (ytd only)* | 27.4696% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 2,459 |
| Loan loss allowance to noncurrent loans | 202.0251% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 3,553 |
| Noncurrent loans to loans | 0.8654% | 4,088 |
| Net loans and leases to total assets | 58.1195% | 3,991 |
| Net loans and leases to deposits | 66.5412% | 4,234 |
| Net loans and leases to core deposits | 71.4431% | 4,160 |
| Total domestic deposits to total assets | 87.3436% | 2,484 |
| Equity capital to assets | 9.6682% | 4,337 |
| Core capital (leverage) ratio | 9.2757% | 4,719 |
| Tier 1 risk-based capital ratio | 13.5825% | 4,703 |
| Total risk-based capital ratio | 14.8353% | 4,660 |
| Memoranda: | ||
| Average total assets | $684,588,250 | 980 |
| Average earning assets | $624,672,000 | 982 |
| Average equity | $66,377,500 | 1,094 |
| Average total loans | $399,780,750 | 1,072 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,402 |
| Cost of funding earning assets | 0.4616% | 4,292 |
| Net interest margin | 3.7308% | 2,844 |
| Noninterest income to average assets | 0.3910% | 4,590 |
| Noninterest expense to average assets | 2.7960% | 3,688 |
| Loan and lease loss provision to assets | 0.1484% | 2,479 |
| Net operating income to assets | 0.5721% | 4,438 |
| Return on assets (ROA) | 0.5721% | 4,610 |
| Pretax return on assets | 0.8517% | 4,112 |
| Return on Equity (ROE) | 5.8949% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.2631% | 3,584 |
| Net charge-offs to loans | 0.0603% | 3,843 |
| Credit loss provision to net charge-offs | 423.3333% | 635 |
| Earnings coverage of net charge-offs (x) | 28.5250% | 1,183 |
| Efficiency ratio | 73.6530% | 3,191 |
| Assets per employee ($millions) | 4.1727% | 3,425 |
| Cash dividends to net income (ytd only)* | 27.6813% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 3,045 |
| Loan loss allowance to noncurrent loans | 211.5188% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 3,678 |
| Noncurrent loans to loans | 0.7707% | 4,377 |
| Net loans and leases to total assets | 58.8101% | 3,855 |
| Net loans and leases to deposits | 67.3244% | 4,098 |
| Net loans and leases to core deposits | 72.1482% | 4,017 |
| Total domestic deposits to total assets | 87.3532% | 2,617 |
| Equity capital to assets | 9.6574% | 4,373 |
| Core capital (leverage) ratio | 9.2936% | 4,551 |
| Tier 1 risk-based capital ratio | 13.3562% | 4,872 |
| Total risk-based capital ratio | 14.6081% | 4,821 |
| Memoranda: | ||
| Average total assets | $684,481,670 | 973 |
| Average earning assets | $624,743,000 | 981 |
| Average equity | $66,430,670 | 1,090 |
| Average total loans | $397,991,670 | 1,073 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 3,309 |
| Cost of funding earning assets | 0.4749% | 4,326 |
| Net interest margin | 3.7234% | 2,763 |
| Noninterest income to average assets | 0.3746% | 4,669 |
| Noninterest expense to average assets | 2.8323% | 3,593 |
| Loan and lease loss provision to assets | 0.0728% | 3,416 |
| Net operating income to assets | 0.5680% | 4,370 |
| Return on assets (ROA) | 0.5680% | 4,520 |
| Pretax return on assets | 0.8674% | 3,883 |
| Return on Equity (ROE) | 5.8380% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.3411% | 3,631 |
| Net charge-offs to loans | 0.1636% | 2,421 |
| Credit loss provision to net charge-offs | 77.6398% | 2,188 |
| Earnings coverage of net charge-offs (x) | 10.0248% | 1,779 |
| Efficiency ratio | 75.0772% | 3,085 |
| Assets per employee ($millions) | 4.3788% | 3,188 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,461 |
| Loan loss allowance to noncurrent loans | 360.1277% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 4,171 |
| Noncurrent loans to loans | 0.4401% | 5,320 |
| Net loans and leases to total assets | 56.7677% | 3,968 |
| Net loans and leases to deposits | 65.1519% | 4,168 |
| Net loans and leases to core deposits | 69.9045% | 4,096 |
| Total domestic deposits to total assets | 87.1313% | 2,884 |
| Equity capital to assets | 9.8637% | 4,325 |
| Core capital (leverage) ratio | 9.1651% | 4,621 |
| Tier 1 risk-based capital ratio | 13.5644% | 4,823 |
| Total risk-based capital ratio | 14.8154% | 4,779 |
| Memoranda: | ||
| Average total assets | $686,648,000 | 981 |
| Average earning assets | $626,635,000 | 988 |
| Average equity | $66,803,500 | 1,097 |
| Average total loans | $393,675,000 | 1,081 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 2,953 |
| Cost of funding earning assets | 0.5645% | 4,692 |
| Net interest margin | 4.0472% | 2,212 |
| Noninterest income to average assets | 0.3798% | 4,753 |
| Noninterest expense to average assets | 2.9583% | 3,437 |
| Loan and lease loss provision to assets | 0.0788% | 4,722 |
| Net operating income to assets | 0.6750% | 3,858 |
| Return on assets (ROA) | 0.6754% | 4,129 |
| Pretax return on assets | 1.0219% | 3,464 |
| Return on Equity (ROE) | 6.8355% | 3,740 |
| Retained earnings to average equity (ytd only) | 4.8575% | 2,802 |
| Net charge-offs to loans | 0.0167% | 5,678 |
| Credit loss provision to net charge-offs | 798.4615% | 314 |
| Earnings coverage of net charge-offs (x) | 111.5231% | 344 |
| Efficiency ratio | 72.8949% | 3,258 |
| Assets per employee ($millions) | 4.3685% | 3,212 |
| Cash dividends to net income (ytd only)* | 28.9373% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,411 |
| Loan loss allowance to noncurrent loans | 758.3232% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 4,724 |
| Noncurrent loans to loans | 0.2079% | 5,953 |
| Net loans and leases to total assets | 56.0933% | 4,275 |
| Net loans and leases to deposits | 64.0491% | 4,525 |
| Net loans and leases to core deposits | 68.4952% | 4,483 |
| Total domestic deposits to total assets | 87.5785% | 2,492 |
| Equity capital to assets | 9.5972% | 4,758 |
| Core capital (leverage) ratio | 8.9382% | 4,988 |
| Tier 1 risk-based capital ratio | 13.2896% | 4,907 |
| Total risk-based capital ratio | 14.5407% | 4,851 |
| Memoranda: | ||
| Average total assets | $658,995,200 | 999 |
| Average earning assets | $598,961,800 | 1,005 |
| Average equity | $65,115,600 | 1,087 |
| Average total loans | $388,225,200 | 1,077 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 2,751 |
| Cost of funding earning assets | 0.5830% | 4,807 |
| Net interest margin | 4.1307% | 1,973 |
| Noninterest income to average assets | 0.4463% | 4,321 |
| Noninterest expense to average assets | 2.9480% | 3,414 |
| Loan and lease loss provision to assets | 0.1064% | 4,238 |
| Net operating income to assets | 0.7419% | 3,728 |
| Return on assets (ROA) | 0.7424% | 3,975 |
| Pretax return on assets | 1.1491% | 3,164 |
| Return on Equity (ROE) | 7.4565% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.6336% | 2,936 |
| Net charge-offs to loans | -0.1187% | 6,891 |
| Credit loss provision to net charge-offs | -150.8721% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1444% | 3,664 |
| Assets per employee ($millions) | 4.2251% | 3,414 |
| Cash dividends to net income (ytd only)* | 24.4475% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 3,028 |
| Loan loss allowance to noncurrent loans | 350.5535% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 3,937 |
| Noncurrent loans to loans | 0.4946% | 5,456 |
| Net loans and leases to total assets | 56.1064% | 4,435 |
| Net loans and leases to deposits | 64.4008% | 4,669 |
| Net loans and leases to core deposits | 68.5430% | 4,666 |
| Total domestic deposits to total assets | 87.1206% | 2,599 |
| Equity capital to assets | 9.9253% | 4,613 |
| Core capital (leverage) ratio | 9.2211% | 4,721 |
| Tier 1 risk-based capital ratio | 13.7010% | 4,754 |
| Total risk-based capital ratio | 14.9525% | 4,704 |
| Memoranda: | ||
| Average total assets | $650,097,500 | 1,021 |
| Average earning assets | $591,196,250 | 1,023 |
| Average equity | $64,729,250 | 1,101 |
| Average total loans | $386,317,250 | 1,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,841 |
| Cost of funding earning assets | 0.6021% | 4,885 |
| Net interest margin | 4.1178% | 2,022 |
| Noninterest income to average assets | 0.4732% | 4,109 |
| Noninterest expense to average assets | 2.9633% | 3,398 |
| Loan and lease loss provision to assets | 0.1384% | 3,791 |
| Net operating income to assets | 0.7076% | 3,834 |
| Return on assets (ROA) | 0.7084% | 4,090 |
| Pretax return on assets | 1.1091% | 3,275 |
| Return on Equity (ROE) | 7.1068% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.4682% | 3,006 |
| Net charge-offs to loans | -0.1539% | 6,950 |
| Credit loss provision to net charge-offs | -149.3289% | 6,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3939% | 3,699 |
| Assets per employee ($millions) | 4.0503% | 3,768 |
| Cash dividends to net income (ytd only)* | 23.0567% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,190 |
| Loan loss allowance to noncurrent loans | 154.5928% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 3,069 |
| Noncurrent loans to loans | 1.1056% | 4,316 |
| Net loans and leases to total assets | 58.3103% | 4,108 |
| Net loans and leases to deposits | 67.0087% | 4,362 |
| Net loans and leases to core deposits | 71.4208% | 4,365 |
| Total domestic deposits to total assets | 87.0190% | 2,754 |
| Equity capital to assets | 10.1475% | 4,125 |
| Core capital (leverage) ratio | 9.4072% | 4,290 |
| Tier 1 risk-based capital ratio | 13.5231% | 4,804 |
| Total risk-based capital ratio | 14.7756% | 4,764 |
| Memoranda: | ||
| Average total assets | $642,865,000 | 1,032 |
| Average earning assets | $583,322,000 | 1,031 |
| Average equity | $64,079,670 | 1,104 |
| Average total loans | $387,233,000 | 1,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 2,509 |
| Cost of funding earning assets | 0.6266% | 4,925 |
| Net interest margin | 4.2077% | 1,739 |
| Noninterest income to average assets | 0.3867% | 4,770 |
| Noninterest expense to average assets | 2.8959% | 3,640 |
| Loan and lease loss provision to assets | 0.2298% | 2,649 |
| Net operating income to assets | 0.6729% | 4,017 |
| Return on assets (ROA) | 0.6745% | 4,225 |
| Pretax return on assets | 1.0774% | 3,408 |
| Return on Equity (ROE) | 6.8280% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.5671% | 3,224 |
| Net charge-offs to loans | -0.2658% | 7,037 |
| Credit loss provision to net charge-offs | -142.4710% | 5,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9400% | 3,988 |
| Assets per employee ($millions) | 4.0209% | 3,963 |
| Cash dividends to net income (ytd only)* | 18.4672% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 3,463 |
| Loan loss allowance to noncurrent loans | 146.6621% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9984% | 2,900 |
| Noncurrent loans to loans | 1.1389% | 4,434 |
| Net loans and leases to total assets | 59.0696% | 3,842 |
| Net loans and leases to deposits | 67.7875% | 4,102 |
| Net loans and leases to core deposits | 72.6423% | 4,064 |
| Total domestic deposits to total assets | 87.1395% | 2,869 |
| Equity capital to assets | 9.9906% | 4,132 |
| Core capital (leverage) ratio | 9.3970% | 4,199 |
| Tier 1 risk-based capital ratio | 13.3756% | 4,918 |
| Total risk-based capital ratio | 14.6277% | 4,906 |
| Memoranda: | ||
| Average total assets | $642,296,000 | 1,030 |
| Average earning assets | $582,168,500 | 1,036 |
| Average equity | $63,444,500 | 1,111 |
| Average total loans | $389,824,500 | 1,085 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 3,397 |
| Cost of funding earning assets | 0.7531% | 5,187 |
| Net interest margin | 4.1394% | 2,270 |
| Noninterest income to average assets | 0.1722% | 6,252 |
| Noninterest expense to average assets | 3.0616% | 3,348 |
| Loan and lease loss provision to assets | 0.3088% | 3,201 |
| Net operating income to assets | 0.3770% | 4,959 |
| Return on assets (ROA) | 0.3770% | 5,137 |
| Pretax return on assets | 0.5568% | 4,813 |
| Return on Equity (ROE) | 4.0972% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.8820% | 3,450 |
| Net charge-offs to loans | 0.8012% | 2,158 |
| Credit loss provision to net charge-offs | 61.6601% | 5,130 |
| Earnings coverage of net charge-offs (x) | 1.7285% | 4,478 |
| Efficiency ratio | 77.9600% | 2,591 |
| Assets per employee ($millions) | 4.1364% | 3,578 |
| Cash dividends to net income (ytd only)* | 5.2504% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 4,182 |
| Loan loss allowance to noncurrent loans | 74.8545% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.4528% | 2,482 |
| Noncurrent loans to loans | 1.9543% | 3,268 |
| Net loans and leases to total assets | 60.4091% | 3,918 |
| Net loans and leases to deposits | 69.0387% | 4,267 |
| Net loans and leases to core deposits | 74.1296% | 4,224 |
| Total domestic deposits to total assets | 87.5003% | 2,471 |
| Equity capital to assets | 9.7660% | 4,486 |
| Core capital (leverage) ratio | 9.0019% | 4,788 |
| Tier 1 risk-based capital ratio | 12.8471% | 5,198 |
| Total risk-based capital ratio | 14.0971% | 5,174 |
| Memoranda: | ||
| Average total assets | $656,818,200 | 985 |
| Average earning assets | $595,818,000 | 988 |
| Average equity | $60,432,000 | 1,115 |
| Average total loans | $410,488,200 | 1,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 3,549 |
| Cost of funding earning assets | 0.7798% | 5,280 |
| Net interest margin | 4.1212% | 2,387 |
| Noninterest income to average assets | 0.2621% | 5,746 |
| Noninterest expense to average assets | 3.0619% | 3,312 |
| Loan and lease loss provision to assets | 0.3927% | 2,500 |
| Net operating income to assets | 0.3612% | 5,157 |
| Return on assets (ROA) | 0.3612% | 5,344 |
| Pretax return on assets | 0.5427% | 5,003 |
| Return on Equity (ROE) | 3.9852% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,881 |
| Net charge-offs to loans | 0.7448% | 2,075 |
| Credit loss provision to net charge-offs | 83.9672% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,147 |
| Efficiency ratio | 76.6003% | 2,749 |
| Assets per employee ($millions) | 4.2156% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 3,252 |
| Loan loss allowance to noncurrent loans | 112.8634% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 2.5509% | 2,521 |
| Noncurrent loans to loans | 1.5101% | 4,025 |
| Net loans and leases to total assets | 58.5555% | 4,407 |
| Net loans and leases to deposits | 66.6642% | 4,804 |
| Net loans and leases to core deposits | 71.4790% | 4,775 |
| Total domestic deposits to total assets | 87.8365% | 2,143 |
| Equity capital to assets | 9.5510% | 5,009 |
| Core capital (leverage) ratio | 8.9314% | 5,048 |
| Tier 1 risk-based capital ratio | 12.8232% | 5,229 |
| Total risk-based capital ratio | 14.0758% | 5,206 |
| Memoranda: | ||
| Average total assets | $659,704,750 | 989 |
| Average earning assets | $597,908,750 | 988 |
| Average equity | $59,785,750 | 1,132 |
| Average total loans | $414,212,750 | 1,021 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 3,505 |
| Cost of funding earning assets | 0.8149% | 5,274 |
| Net interest margin | 4.1117% | 2,366 |
| Noninterest income to average assets | 0.4170% | 4,535 |
| Noninterest expense to average assets | 3.1133% | 3,203 |
| Loan and lease loss provision to assets | 0.4506% | 2,167 |
| Net operating income to assets | 0.3831% | 5,028 |
| Return on assets (ROA) | 0.3831% | 5,167 |
| Pretax return on assets | 0.5769% | 4,820 |
| Return on Equity (ROE) | 4.3044% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.3044% | 3,455 |
| Net charge-offs to loans | 0.7176% | 2,078 |
| Credit loss provision to net charge-offs | 98.3477% | 3,208 |
| Earnings coverage of net charge-offs (x) | 2.2426% | 3,710 |
| Efficiency ratio | 75.1847% | 3,151 |
| Assets per employee ($millions) | 4.1456% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 3,305 |
| Loan loss allowance to noncurrent loans | 88.1401% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 2.8285% | 2,372 |
| Noncurrent loans to loans | 1.9352% | 3,561 |
| Net loans and leases to total assets | 62.9831% | 3,679 |
| Net loans and leases to deposits | 71.6142% | 4,182 |
| Net loans and leases to core deposits | 76.9999% | 4,192 |
| Total domestic deposits to total assets | 87.9478% | 2,169 |
| Equity capital to assets | 9.4411% | 4,906 |
| Core capital (leverage) ratio | 8.8577% | 4,948 |
| Tier 1 risk-based capital ratio | 12.3144% | 5,507 |
| Total risk-based capital ratio | 13.5674% | 5,479 |
| Memoranda: | ||
| Average total assets | $660,392,670 | 997 |
| Average earning assets | $598,093,000 | 999 |
| Average equity | $58,777,330 | 1,139 |
| Average total loans | $421,696,330 | 1,018 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 3,795 |
| Cost of funding earning assets | 0.8552% | 5,240 |
| Net interest margin | 3.9995% | 2,676 |
| Noninterest income to average assets | 0.4482% | 4,304 |
| Noninterest expense to average assets | 3.1113% | 3,201 |
| Loan and lease loss provision to assets | 0.4423% | 1,994 |
| Net operating income to assets | 0.3478% | 5,181 |
| Return on assets (ROA) | 0.3478% | 5,265 |
| Pretax return on assets | 0.5170% | 4,971 |
| Return on Equity (ROE) | 4.0254% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.0254% | 3,754 |
| Net charge-offs to loans | 0.1078% | 3,882 |
| Credit loss provision to net charge-offs | 643.4783% | 583 |
| Earnings coverage of net charge-offs (x) | 13.9565% | 1,398 |
| Efficiency ratio | 76.4352% | 3,082 |
| Assets per employee ($millions) | 4.1206% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 2,820 |
| Loan loss allowance to noncurrent loans | 70.2334% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2182% | 2,135 |
| Noncurrent loans to loans | 2.6499% | 2,847 |
| Net loans and leases to total assets | 60.9883% | 4,081 |
| Net loans and leases to deposits | 68.7522% | 4,558 |
| Net loans and leases to core deposits | 73.2974% | 4,616 |
| Total domestic deposits to total assets | 88.7073% | 1,953 |
| Equity capital to assets | 8.7766% | 5,533 |
| Core capital (leverage) ratio | 8.5398% | 5,372 |
| Tier 1 risk-based capital ratio | 12.1475% | 5,555 |
| Total risk-based capital ratio | 13.4020% | 5,545 |
| Memoranda: | ||
| Average total assets | $669,303,000 | 999 |
| Average earning assets | $606,175,500 | 994 |
| Average equity | $57,833,000 | 1,143 |
| Average total loans | $426,677,000 | 1,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 3,239 |
| Cost of funding earning assets | 1.2058% | 4,530 |
| Net interest margin | 4.0686% | 2,713 |
| Noninterest income to average assets | 0.5886% | 3,548 |
| Noninterest expense to average assets | 3.1073% | 3,423 |
| Loan and lease loss provision to assets | 0.5537% | 2,920 |
| Net operating income to assets | 0.4010% | 4,533 |
| Return on assets (ROA) | 0.7857% | 2,989 |
| Pretax return on assets | 1.1828% | 2,281 |
| Return on Equity (ROE) | 9.7328% | 2,029 |
| Retained earnings to average equity (ytd only) | 6.2657% | 1,684 |
| Net charge-offs to loans | 0.7534% | 2,759 |
| Credit loss provision to net charge-offs | 108.9098% | 4,055 |
| Earnings coverage of net charge-offs (x) | 2.2693% | 4,023 |
| Efficiency ratio | 72.9249% | 3,610 |
| Assets per employee ($millions) | 4.2199% | 3,348 |
| Cash dividends to net income (ytd only)* | 35.6235% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,575 |
| Loan loss allowance to noncurrent loans | 57.1058% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 3.0547% | 2,311 |
| Noncurrent loans to loans | 2.7982% | 2,726 |
| Net loans and leases to total assets | 64.2822% | 3,811 |
| Net loans and leases to deposits | 72.2796% | 4,469 |
| Net loans and leases to core deposits | 77.1965% | 4,565 |
| Total domestic deposits to total assets | 88.9355% | 1,697 |
| Equity capital to assets | 8.5073% | 5,845 |
| Core capital (leverage) ratio | 7.9995% | 6,204 |
| Tier 1 risk-based capital ratio | 11.6954% | 5,731 |
| Total risk-based capital ratio | 12.9478% | 5,733 |
| Memoranda: | ||
| Average total assets | $691,014,400 | 964 |
| Average earning assets | $623,726,400 | 966 |
| Average equity | $55,780,200 | 1,192 |
| Average total loans | $466,276,200 | 969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 3,333 |
| Cost of funding earning assets | 1.2515% | 4,565 |
| Net interest margin | 4.0531% | 2,840 |
| Noninterest income to average assets | 0.5901% | 3,505 |
| Noninterest expense to average assets | 3.1615% | 3,061 |
| Loan and lease loss provision to assets | 0.5581% | 2,718 |
| Net operating income to assets | 0.3472% | 4,984 |
| Return on assets (ROA) | 0.5880% | 4,089 |
| Pretax return on assets | 0.8896% | 3,594 |
| Return on Equity (ROE) | 7.3811% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.0825% | 4,278 |
| Net charge-offs to loans | 0.5741% | 3,027 |
| Credit loss provision to net charge-offs | 142.9484% | 2,748 |
| Earnings coverage of net charge-offs (x) | 2.7735% | 3,757 |
| Efficiency ratio | 74.4881% | 3,231 |
| Assets per employee ($millions) | 4.3046% | 3,249 |
| Cash dividends to net income (ytd only)* | 58.2382% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 3,293 |
| Loan loss allowance to noncurrent loans | 55.4067% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 3.2235% | 2,218 |
| Noncurrent loans to loans | 2.9974% | 2,660 |
| Net loans and leases to total assets | 63.8219% | 4,158 |
| Net loans and leases to deposits | 74.4217% | 4,437 |
| Net loans and leases to core deposits | 80.0559% | 4,510 |
| Total domestic deposits to total assets | 85.7571% | 3,212 |
| Equity capital to assets | 8.1442% | 6,674 |
| Core capital (leverage) ratio | 7.7167% | 6,655 |
| Tier 1 risk-based capital ratio | 10.7371% | 6,608 |
| Total risk-based capital ratio | 11.9903% | 6,580 |
| Memoranda: | ||
| Average total assets | $694,971,750 | 962 |
| Average earning assets | $626,560,000 | 968 |
| Average equity | $55,365,250 | 1,204 |
| Average total loans | $472,577,250 | 960 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 3,235 |
| Cost of funding earning assets | 1.2771% | 4,670 |
| Net interest margin | 4.0681% | 2,707 |
| Noninterest income to average assets | 0.6538% | 2,994 |
| Noninterest expense to average assets | 3.1589% | 3,054 |
| Loan and lease loss provision to assets | 0.6151% | 2,328 |
| Net operating income to assets | 0.3615% | 4,926 |
| Return on assets (ROA) | 0.6961% | 3,575 |
| Pretax return on assets | 1.0377% | 2,987 |
| Return on Equity (ROE) | 8.8043% | 2,550 |
| Retained earnings to average equity (ytd only) | 4.4497% | 3,235 |
| Net charge-offs to loans | 0.7876% | 2,275 |
| Credit loss provision to net charge-offs | 113.0851% | 3,600 |
| Earnings coverage of net charge-offs (x) | 2.1207% | 3,964 |
| Efficiency ratio | 73.2524% | 3,608 |
| Assets per employee ($millions) | 4.1461% | 3,497 |
| Cash dividends to net income (ytd only)* | 49.4597% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,883 |
| Loan loss allowance to noncurrent loans | 72.4245% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.8646% | 2,520 |
| Noncurrent loans to loans | 2.0813% | 3,619 |
| Net loans and leases to total assets | 66.6766% | 3,692 |
| Net loans and leases to deposits | 77.8409% | 4,003 |
| Net loans and leases to core deposits | 83.9355% | 4,148 |
| Total domestic deposits to total assets | 85.6575% | 3,282 |
| Equity capital to assets | 8.1624% | 6,583 |
| Core capital (leverage) ratio | 7.9342% | 6,345 |
| Tier 1 risk-based capital ratio | 10.5530% | 6,647 |
| Total risk-based capital ratio | 11.8043% | 6,639 |
| Memoranda: | ||
| Average total assets | $691,308,670 | 973 |
| Average earning assets | $621,714,670 | 987 |
| Average equity | $54,655,330 | 1,214 |
| Average total loans | $477,380,670 | 962 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 3,236 |
| Cost of funding earning assets | 1.2924% | 4,860 |
| Net interest margin | 4.0690% | 2,570 |
| Noninterest income to average assets | 0.5745% | 3,463 |
| Noninterest expense to average assets | 3.1025% | 3,257 |
| Loan and lease loss provision to assets | 0.9193% | 1,384 |
| Net operating income to assets | 0.1321% | 5,919 |
| Return on assets (ROA) | 0.7345% | 3,390 |
| Pretax return on assets | 1.1017% | 2,724 |
| Return on Equity (ROE) | 9.4408% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.0385% | 3,135 |
| Net charge-offs to loans | 0.8239% | 1,882 |
| Credit loss provision to net charge-offs | 160.0200% | 2,249 |
| Earnings coverage of net charge-offs (x) | 1.9529% | 3,562 |
| Efficiency ratio | 73.4432% | 3,679 |
| Assets per employee ($millions) | 4.0058% | 3,858 |
| Cash dividends to net income (ytd only)* | 46.6301% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,743 |
| Loan loss allowance to noncurrent loans | 52.0548% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 3.1116% | 2,298 |
| Noncurrent loans to loans | 2.9416% | 2,735 |
| Net loans and leases to total assets | 69.6662% | 3,015 |
| Net loans and leases to deposits | 81.3022% | 3,406 |
| Net loans and leases to core deposits | 81.3022% | 4,581 |
| Total domestic deposits to total assets | 85.6879% | 3,324 |
| Equity capital to assets | 7.9954% | 6,655 |
| Core capital (leverage) ratio | 7.9050% | 6,374 |
| Tier 1 risk-based capital ratio | 10.2937% | 6,811 |
| Total risk-based capital ratio | 11.5458% | 6,803 |
| Memoranda: | ||
| Average total assets | $694,912,500 | 989 |
| Average earning assets | $623,352,500 | 1,001 |
| Average equity | $54,063,500 | 1,236 |
| Average total loans | $484,513,000 | 971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 3,033 |
| Cost of funding earning assets | 1.8354% | 3,809 |
| Net interest margin | 3.8794% | 3,352 |
| Noninterest income to average assets | 0.5954% | 3,669 |
| Noninterest expense to average assets | 2.9229% | 4,449 |
| Loan and lease loss provision to assets | 1.0700% | 2,143 |
| Net operating income to assets | 0.0748% | 5,279 |
| Return on assets (ROA) | 0.5588% | 3,573 |
| Pretax return on assets | 0.8001% | 3,241 |
| Return on Equity (ROE) | 7.3233% | 2,656 |
| Retained earnings to average equity (ytd only) | 2.8944% | 3,151 |
| Net charge-offs to loans | 1.2881% | 1,930 |
| Credit loss provision to net charge-offs | 118.5937% | 4,541 |
| Earnings coverage of net charge-offs (x) | 1.3064% | 4,820 |
| Efficiency ratio | 71.2620% | 4,397 |
| Assets per employee ($millions) | 4.2431% | 3,355 |
| Cash dividends to net income (ytd only)* | 60.4775% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 4,372 |
| Loan loss allowance to noncurrent loans | 46.0733% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.7888% | 2,507 |
| Noncurrent loans to loans | 2.9829% | 2,576 |
| Net loans and leases to total assets | 67.8031% | 3,746 |
| Net loans and leases to deposits | 83.2910% | 3,402 |
| Net loans and leases to core deposits | 116.5344% | 2,264 |
| Total domestic deposits to total assets | 81.4051% | 5,195 |
| Equity capital to assets | 7.5753% | 6,965 |
| Core capital (leverage) ratio | 7.5668% | 6,721 |
| Tier 1 risk-based capital ratio | 9.7149% | 7,088 |
| Total risk-based capital ratio | 10.9547% | 7,072 |
| Memoranda: | ||
| Average total assets | $704,572,200 | 973 |
| Average earning assets | $636,792,800 | 983 |
| Average equity | $53,759,800 | 1,228 |
| Average total loans | $493,508,200 | 978 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6999% | 3,338 |
| Cost of funding earning assets | 1.9571% | 3,584 |
| Net interest margin | 3.7428% | 3,897 |
| Noninterest income to average assets | 0.5489% | 4,087 |
| Noninterest expense to average assets | 2.9401% | 4,276 |
| Loan and lease loss provision to assets | 1.0431% | 1,843 |
| Net operating income to assets | -0.0274% | 5,758 |
| Return on assets (ROA) | 0.5923% | 3,691 |
| Pretax return on assets | 0.8484% | 3,385 |
| Return on Equity (ROE) | 7.7491% | 2,749 |
| Retained earnings to average equity (ytd only) | 3.3147% | 3,454 |
| Net charge-offs to loans | 1.5033% | 1,361 |
| Credit loss provision to net charge-offs | 98.6006% | 5,191 |
| Earnings coverage of net charge-offs (x) | 0.9510% | 5,105 |
| Efficiency ratio | 74.5046% | 3,784 |
| Assets per employee ($millions) | 3.9747% | 3,781 |
| Cash dividends to net income (ytd only)* | 57.2251% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,640 |
| Loan loss allowance to noncurrent loans | 41.9991% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.6553% | 2,621 |
| Noncurrent loans to loans | 2.6522% | 2,855 |
| Net loans and leases to total assets | 70.6841% | 3,341 |
| Net loans and leases to deposits | 82.4181% | 3,933 |
| Net loans and leases to core deposits | 116.8654% | 2,537 |
| Total domestic deposits to total assets | 85.7628% | 2,823 |
| Equity capital to assets | 7.8682% | 6,972 |
| Core capital (leverage) ratio | 7.4553% | 7,029 |
| Tier 1 risk-based capital ratio | 9.7651% | 7,171 |
| Total risk-based capital ratio | 10.7825% | 7,312 |
| Memoranda: | ||
| Average total assets | $702,504,000 | 986 |
| Average earning assets | $637,658,750 | 992 |
| Average equity | $53,699,750 | 1,246 |
| Average total loans | $494,368,750 | 993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 3,805 |
| Cost of funding earning assets | 2.0907% | 3,317 |
| Net interest margin | 3.5614% | 4,531 |
| Noninterest income to average assets | 0.4783% | 4,641 |
| Noninterest expense to average assets | 2.8558% | 4,704 |
| Loan and lease loss provision to assets | 1.0779% | 1,588 |
| Net operating income to assets | -0.1554% | 6,113 |
| Return on assets (ROA) | 0.7361% | 3,210 |
| Pretax return on assets | 1.0788% | 2,705 |
| Return on Equity (ROE) | 9.7227% | 2,123 |
| Retained earnings to average equity (ytd only) | 5.2758% | 2,358 |
| Net charge-offs to loans | 1.3082% | 1,408 |
| Credit loss provision to net charge-offs | 117.6852% | 3,946 |
| Earnings coverage of net charge-offs (x) | 0.9231% | 4,843 |
| Efficiency ratio | 77.1557% | 3,486 |
| Assets per employee ($millions) | 4.0358% | 3,610 |
| Cash dividends to net income (ytd only)* | 45.7373% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 4,647 |
| Loan loss allowance to noncurrent loans | 45.0706% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.4674% | 2,616 |
| Noncurrent loans to loans | 2.7612% | 2,612 |
| Net loans and leases to total assets | 68.0539% | 4,144 |
| Net loans and leases to deposits | 78.9809% | 4,707 |
| Net loans and leases to core deposits | 113.8150% | 2,928 |
| Total domestic deposits to total assets | 86.1651% | 2,697 |
| Equity capital to assets | 7.3274% | 7,398 |
| Core capital (leverage) ratio | 7.3533% | 7,188 |
| Tier 1 risk-based capital ratio | 9.6141% | 7,306 |
| Total risk-based capital ratio | 10.7331% | 7,359 |
| Memoranda: | ||
| Average total assets | $707,466,670 | 990 |
| Average earning assets | $640,250,670 | 1,003 |
| Average equity | $53,565,330 | 1,261 |
| Average total loans | $495,321,670 | 1,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8557% | 3,012 |
| Cost of funding earning assets | 2.2560% | 2,899 |
| Net interest margin | 3.5997% | 4,318 |
| Noninterest income to average assets | 0.2102% | 6,787 |
| Noninterest expense to average assets | 2.8203% | 4,480 |
| Loan and lease loss provision to assets | 1.3033% | 987 |
| Net operating income to assets | -0.4580% | 6,833 |
| Return on assets (ROA) | 1.2380% | 1,645 |
| Pretax return on assets | 1.8891% | 819 |
| Return on Equity (ROE) | 16.0880% | 808 |
| Retained earnings to average equity (ytd only) | 11.6950% | 849 |
| Net charge-offs to loans | 0.2327% | 3,245 |
| Credit loss provision to net charge-offs | 793.7716% | 754 |
| Earnings coverage of net charge-offs (x) | 3.7924% | 3,063 |
| Efficiency ratio | 81.9142% | 2,545 |
| Assets per employee ($millions) | 3.9960% | 3,668 |
| Cash dividends to net income (ytd only)* | 27.3061% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 2,945 |
| Loan loss allowance to noncurrent loans | 72.4016% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.8505% | 3,143 |
| Noncurrent loans to loans | 2.0816% | 3,146 |
| Net loans and leases to total assets | 69.0552% | 3,902 |
| Net loans and leases to deposits | 80.0706% | 4,598 |
| Net loans and leases to core deposits | 118.6934% | 2,535 |
| Total domestic deposits to total assets | 86.2429% | 2,590 |
| Equity capital to assets | 7.4792% | 7,367 |
| Core capital (leverage) ratio | 7.4628% | 7,198 |
| Tier 1 risk-based capital ratio | 9.5274% | 7,403 |
| Total risk-based capital ratio | 10.7789% | 7,342 |
| Memoranda: | ||
| Average total assets | $704,035,500 | 996 |
| Average earning assets | $632,278,000 | 1,014 |
| Average equity | $54,177,000 | 1,249 |
| Average total loans | $496,855,000 | 1,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7489% | 1,867 |
| Cost of funding earning assets | 2.6086% | 3,644 |
| Net interest margin | 4.1403% | 2,539 |
| Noninterest income to average assets | 0.6191% | 3,722 |
| Noninterest expense to average assets | 3.3502% | 2,818 |
| Loan and lease loss provision to assets | 0.8896% | 1,678 |
| Net operating income to assets | 0.1005% | 6,111 |
| Return on assets (ROA) | 0.1843% | 5,729 |
| Pretax return on assets | 0.2497% | 5,625 |
| Return on Equity (ROE) | 2.5131% | 5,414 |
| Retained earnings to average equity (ytd only) | -1.8677% | 5,832 |
| Net charge-offs to loans | 1.1077% | 1,095 |
| Credit loss provision to net charge-offs | 106.7410% | 5,028 |
| Earnings coverage of net charge-offs (x) | 1.2311% | 5,515 |
| Efficiency ratio | 76.5542% | 3,145 |
| Assets per employee ($millions) | 3.6656% | 4,252 |
| Cash dividends to net income (ytd only)* | 174.3200% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,076 |
| Loan loss allowance to noncurrent loans | 85.3782% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 3,484 |
| Noncurrent loans to loans | 1.3214% | 3,871 |
| Net loans and leases to total assets | 70.2464% | 3,962 |
| Net loans and leases to deposits | 82.2611% | 4,685 |
| Net loans and leases to core deposits | 119.3308% | 2,756 |
| Total domestic deposits to total assets | 85.3944% | 2,670 |
| Equity capital to assets | 7.9183% | 6,942 |
| Core capital (leverage) ratio | 7.5552% | 7,137 |
| Tier 1 risk-based capital ratio | 9.4090% | 7,405 |
| Total risk-based capital ratio | 10.4291% | 7,597 |
| Memoranda: | ||
| Average total assets | $678,133,000 | 980 |
| Average earning assets | $615,386,800 | 983 |
| Average equity | $49,739,600 | 1,365 |
| Average total loans | $510,258,800 | 939 |