Home > Armstrong Bank > Performance and Condition Ratios
Armstrong Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 2,840 |
| Cost of funding earning assets | 2.0325% | 875 |
| Net interest margin | 2.5930% | 3,975 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.5136% | 2,257 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5975% | 3,449 |
| Return on assets (ROA) | 0.5987% | 3,435 |
| Pretax return on assets | 0.7020% | 3,432 |
| Return on Equity (ROE) | 9.4600% | 2,644 |
| Retained earnings to average equity (ytd only) | 5.2214% | 2,524 |
| Net charge-offs to loans | 0.0823% | 1,040 |
| Credit loss provision to net charge-offs | 148.4401% | 1,482 |
| Earnings coverage of net charge-offs (x) | 15.8793% | 2,030 |
| Efficiency ratio | 75.8610% | 1,255 |
| Assets per employee ($millions) | 5.9835% | 2,838 |
| Cash dividends to net income (ytd only)* | 44.7981% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 2,692 |
| Loan loss allowance to noncurrent loans | 210.0294% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 1,411 |
| Noncurrent loans to loans | 0.5358% | 1,451 |
| Net loans and leases to total assets | 59.3200% | 2,904 |
| Net loans and leases to deposits | 63.9260% | 3,293 |
| Net loans and leases to core deposits | 73.9996% | 3,076 |
| Total domestic deposits to total assets | 92.8000% | 195 |
| Equity capital to assets | 6.6762% | 4,059 |
| Core capital (leverage) ratio | 9.1870% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7062% | 1,343 |
| Memoranda: | ||
| Average total assets | $2,461,366,600 | 475 |
| Average earning assets | $2,293,302,800 | 464 |
| Average equity | $155,781,200 | 655 |
| Average total loans | $1,479,114,600 | 519 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 2,801 |
| Cost of funding earning assets | 1.9218% | 829 |
| Net interest margin | 2.6272% | 3,990 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.4409% | 2,405 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.6682% | 3,390 |
| Return on assets (ROA) | 0.6689% | 3,378 |
| Pretax return on assets | 0.8188% | 3,292 |
| Return on Equity (ROE) | 10.7200% | 2,441 |
| Retained earnings to average equity (ytd only) | 7.5265% | 2,138 |
| Net charge-offs to loans | 0.0860% | 874 |
| Credit loss provision to net charge-offs | 214.2555% | 1,077 |
| Earnings coverage of net charge-offs (x) | 17.9662% | 1,883 |
| Efficiency ratio | 72.1180% | 1,553 |
| Assets per employee ($millions) | 5.9247% | 2,819 |
| Cash dividends to net income (ytd only)* | 29.7968% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,500 |
| Loan loss allowance to noncurrent loans | 277.2498% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 1,584 |
| Noncurrent loans to loans | 0.4234% | 1,770 |
| Net loans and leases to total assets | 60.6400% | 2,781 |
| Net loans and leases to deposits | 64.6354% | 3,217 |
| Net loans and leases to core deposits | 74.7684% | 2,944 |
| Total domestic deposits to total assets | 93.8100% | 204 |
| Equity capital to assets | 5.5942% | 4,110 |
| Core capital (leverage) ratio | 9.2707% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6643% | 1,391 |
| Memoranda: | ||
| Average total assets | $2,442,458,750 | 485 |
| Average earning assets | $2,273,659,250 | 471 |
| Average equity | $152,382,750 | 666 |
| Average total loans | $1,468,362,500 | 522 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 2,795 |
| Cost of funding earning assets | 1.7703% | 784 |
| Net interest margin | 2.6678% | 4,012 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.4008% | 2,480 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.6980% | 3,349 |
| Return on assets (ROA) | 0.6985% | 3,353 |
| Pretax return on assets | 0.8551% | 3,275 |
| Return on Equity (ROE) | 10.8200% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.8864% | 1,433 |
| Net charge-offs to loans | 0.0723% | 846 |
| Credit loss provision to net charge-offs | 283.6812% | 889 |
| Earnings coverage of net charge-offs (x) | 22.6243% | 1,694 |
| Efficiency ratio | 70.7598% | 1,689 |
| Assets per employee ($millions) | 5.7778% | 2,908 |
| Cash dividends to net income (ytd only)* | 8.6452% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 2,517 |
| Loan loss allowance to noncurrent loans | 276.6593% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 1,510 |
| Noncurrent loans to loans | 0.4281% | 1,653 |
| Net loans and leases to total assets | 59.7600% | 2,795 |
| Net loans and leases to deposits | 64.4135% | 3,170 |
| Net loans and leases to core deposits | 72.8492% | 2,970 |
| Total domestic deposits to total assets | 92.7800% | 285 |
| Equity capital to assets | 6.6757% | 3,918 |
| Core capital (leverage) ratio | 9.2427% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7912% | 1,364 |
| Memoranda: | ||
| Average total assets | $2,440,979,000 | 469 |
| Average earning assets | $2,271,586,667 | 460 |
| Average equity | $157,549,000 | 642 |
| Average total loans | $1,457,373,667 | 514 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 2,646 |
| Cost of funding earning assets | 1.6059% | 689 |
| Net interest margin | 2.7568% | 4,005 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.5361% | 2,142 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6525% | 3,578 |
| Return on assets (ROA) | 0.6528% | 3,534 |
| Pretax return on assets | 0.7828% | 3,500 |
| Return on Equity (ROE) | 10.2900% | 2,702 |
| Retained earnings to average equity (ytd only) | 9.3599% | 1,851 |
| Net charge-offs to loans | 0.0459% | 896 |
| Credit loss provision to net charge-offs | 445.7831% | 585 |
| Earnings coverage of net charge-offs (x) | 33.2048% | 1,269 |
| Efficiency ratio | 73.4115% | 1,397 |
| Assets per employee ($millions) | 5.7215% | 3,008 |
| Cash dividends to net income (ytd only)* | 9.0430% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,721 |
| Loan loss allowance to noncurrent loans | 234.5484% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 1,529 |
| Noncurrent loans to loans | 0.4983% | 1,471 |
| Net loans and leases to total assets | 58.2900% | 2,846 |
| Net loans and leases to deposits | 62.5937% | 3,191 |
| Net loans and leases to core deposits | 70.5862% | 2,913 |
| Total domestic deposits to total assets | 93.1200% | 290 |
| Equity capital to assets | 6.3223% | 4,096 |
| Core capital (leverage) ratio | 9.0911% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4949% | 1,490 |
| Memoranda: | ||
| Average total assets | $2,439,456,500 | 477 |
| Average earning assets | $2,268,161,500 | 468 |
| Average equity | $154,745,500 | 664 |
| Average total loans | $1,447,017,000 | 526 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6207% | 2,735 |
| Cost of funding earning assets | 0.4082% | 2,020 |
| Net interest margin | 3.2125% | 2,835 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 2.5619% | 1,933 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1726% | 1,883 |
| Return on assets (ROA) | 1.1753% | 1,812 |
| Pretax return on assets | 1.3693% | 1,868 |
| Return on Equity (ROE) | 16.3100% | 994 |
| Retained earnings to average equity (ytd only) | 13.0405% | 507 |
| Net charge-offs to loans | 0.1568% | 527 |
| Credit loss provision to net charge-offs | 12.8476% | 1,951 |
| Earnings coverage of net charge-offs (x) | 16.1529% | 1,986 |
| Efficiency ratio | 64.7562% | 2,394 |
| Assets per employee ($millions) | 5.4949% | 3,221 |
| Cash dividends to net income (ytd only)* | 20.0438% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,290 |
| Loan loss allowance to noncurrent loans | 172.7164% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 1,324 |
| Noncurrent loans to loans | 0.5866% | 1,272 |
| Net loans and leases to total assets | 59.0700% | 2,726 |
| Net loans and leases to deposits | 63.4401% | 3,086 |
| Net loans and leases to core deposits | 68.5178% | 2,979 |
| Total domestic deposits to total assets | 93.1000% | 381 |
| Equity capital to assets | 6.3654% | 3,954 |
| Core capital (leverage) ratio | 9.3706% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5210% | 1,471 |
| Memoranda: | ||
| Average total assets | $2,446,811,000 | 458 |
| Average earning assets | $2,298,001,000 | 445 |
| Average equity | $176,320,400 | 587 |
| Average total loans | $1,330,213,400 | 529 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 2,625 |
| Cost of funding earning assets | 0.3015% | 2,147 |
| Net interest margin | 3.1963% | 2,640 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.4063% | 2,300 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1984% | 1,695 |
| Return on assets (ROA) | 1.2028% | 1,660 |
| Pretax return on assets | 1.4658% | 1,511 |
| Return on Equity (ROE) | 16.2300% | 933 |
| Retained earnings to average equity (ytd only) | 14.0326% | 459 |
| Net charge-offs to loans | 0.0938% | 657 |
| Credit loss provision to net charge-offs | 241.1765% | 911 |
| Earnings coverage of net charge-offs (x) | 31.7603% | 1,500 |
| Efficiency ratio | 60.0740% | 3,100 |
| Assets per employee ($millions) | 5.3991% | 3,330 |
| Cash dividends to net income (ytd only)* | 13.5388% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,210 |
| Loan loss allowance to noncurrent loans | 215.5825% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 1,476 |
| Noncurrent loans to loans | 0.5855% | 1,374 |
| Net loans and leases to total assets | 58.0800% | 2,690 |
| Net loans and leases to deposits | 61.8769% | 3,031 |
| Net loans and leases to core deposits | 64.9586% | 3,031 |
| Total domestic deposits to total assets | 93.8700% | 380 |
| Equity capital to assets | 5.7090% | 4,071 |
| Core capital (leverage) ratio | 9.0580% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6557% | 1,517 |
| Memoranda: | ||
| Average total assets | $2,459,569,500 | 458 |
| Average earning assets | $2,319,483,500 | 442 |
| Average equity | $182,275,500 | 578 |
| Average total loans | $1,305,377,750 | 529 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 2,666 |
| Cost of funding earning assets | 0.2715% | 2,007 |
| Net interest margin | 3.0512% | 2,717 |
| Noninterest income to average assets | 0.9460% | 758 |
| Noninterest expense to average assets | 2.3807% | 2,294 |
| Loan and lease loss provision to assets | 0.1311% | 736 |
| Net operating income to assets | 1.0925% | 1,800 |
| Return on assets (ROA) | 1.0994% | 1,746 |
| Pretax return on assets | 1.3305% | 1,643 |
| Return on Equity (ROE) | 13.8272% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.4998% | 412 |
| Net charge-offs to loans | 0.1380% | 470 |
| Credit loss provision to net charge-offs | 185.4545% | 1,004 |
| Earnings coverage of net charge-offs (x) | 20.5545% | 1,545 |
| Efficiency ratio | 61.6848% | 3,079 |
| Assets per employee ($millions) | 5.6716% | 3,061 |
| Cash dividends to net income (ytd only)* | 2.3677% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,255 |
| Loan loss allowance to noncurrent loans | 248.3472% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 1,817 |
| Noncurrent loans to loans | 0.5176% | 1,589 |
| Net loans and leases to total assets | 52.8429% | 3,075 |
| Net loans and leases to deposits | 56.4188% | 3,348 |
| Net loans and leases to core deposits | 59.7281% | 3,291 |
| Total domestic deposits to total assets | 93.6620% | 352 |
| Equity capital to assets | 5.9928% | 4,200 |
| Core capital (leverage) ratio | 8.6999% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9526% | 1,444 |
| Memoranda: | ||
| Average total assets | $2,489,361,333 | 450 |
| Average earning assets | $2,356,116,333 | 439 |
| Average equity | $197,929,000 | 536 |
| Average total loans | $1,275,741,000 | 537 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2098% | 2,656 |
| Cost of funding earning assets | 0.2808% | 1,811 |
| Net interest margin | 2.9289% | 2,735 |
| Noninterest income to average assets | 0.9541% | 749 |
| Noninterest expense to average assets | 2.3479% | 2,346 |
| Loan and lease loss provision to assets | 0.1321% | 616 |
| Net operating income to assets | 1.0345% | 1,744 |
| Return on assets (ROA) | 1.0516% | 1,676 |
| Pretax return on assets | 1.2791% | 1,567 |
| Return on Equity (ROE) | 11.7847% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.4415% | 700 |
| Net charge-offs to loans | 0.2688% | 242 |
| Credit loss provision to net charge-offs | 98.0952% | 1,052 |
| Earnings coverage of net charge-offs (x) | 10.3238% | 1,465 |
| Efficiency ratio | 62.4035% | 3,214 |
| Assets per employee ($millions) | 5.6926% | 3,128 |
| Cash dividends to net income (ytd only)* | 2.9120% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,417 |
| Loan loss allowance to noncurrent loans | 246.9447% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 1,936 |
| Noncurrent loans to loans | 0.5221% | 1,721 |
| Net loans and leases to total assets | 49.8909% | 3,189 |
| Net loans and leases to deposits | 54.5136% | 3,375 |
| Net loans and leases to core deposits | 58.1973% | 3,291 |
| Total domestic deposits to total assets | 91.5201% | 791 |
| Equity capital to assets | 8.1207% | 3,474 |
| Core capital (leverage) ratio | 8.6542% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1685% | 1,467 |
| Memoranda: | ||
| Average total assets | $2,494,799,500 | 453 |
| Average earning assets | $2,371,511,000 | 441 |
| Average equity | $222,628,500 | 500 |
| Average total loans | $1,250,232,500 | 541 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 1,997 |
| Cost of funding earning assets | 0.3756% | 1,712 |
| Net interest margin | 3.3676% | 2,120 |
| Noninterest income to average assets | 1.0513% | 917 |
| Noninterest expense to average assets | 2.5598% | 1,993 |
| Loan and lease loss provision to assets | 0.0893% | 1,388 |
| Net operating income to assets | 1.3124% | 1,569 |
| Return on assets (ROA) | 1.3287% | 1,558 |
| Pretax return on assets | 1.6163% | 1,382 |
| Return on Equity (ROE) | 13.5593% | 1,291 |
| Retained earnings to average equity (ytd only) | 11.0820% | 688 |
| Net charge-offs to loans | 0.1583% | 607 |
| Credit loss provision to net charge-offs | 109.2126% | 1,710 |
| Earnings coverage of net charge-offs (x) | 20.6089% | 1,850 |
| Efficiency ratio | 59.9726% | 3,155 |
| Assets per employee ($millions) | 5.6475% | 3,121 |
| Cash dividends to net income (ytd only)* | 18.2700% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 2,283 |
| Loan loss allowance to noncurrent loans | 192.8664% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,666 |
| Noncurrent loans to loans | 0.6831% | 1,470 |
| Net loans and leases to total assets | 49.0284% | 3,405 |
| Net loans and leases to deposits | 54.6349% | 3,547 |
| Net loans and leases to core deposits | 58.7977% | 3,407 |
| Total domestic deposits to total assets | 89.7384% | 1,090 |
| Equity capital to assets | 9.7294% | 2,912 |
| Core capital (leverage) ratio | 8.6421% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1634% | 1,462 |
| Memoranda: | ||
| Average total assets | $2,375,295,800 | 454 |
| Average earning assets | $2,253,106,600 | 446 |
| Average equity | $232,756,200 | 476 |
| Average total loans | $1,227,446,200 | 554 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 1,900 |
| Cost of funding earning assets | 0.3965% | 1,721 |
| Net interest margin | 3.4587% | 1,982 |
| Noninterest income to average assets | 1.0704% | 962 |
| Noninterest expense to average assets | 2.5229% | 2,057 |
| Loan and lease loss provision to assets | 0.1178% | 1,011 |
| Net operating income to assets | 1.4134% | 1,501 |
| Return on assets (ROA) | 1.4352% | 1,495 |
| Pretax return on assets | 1.7331% | 1,323 |
| Return on Equity (ROE) | 14.6186% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.8389% | 663 |
| Net charge-offs to loans | 0.1704% | 503 |
| Credit loss provision to net charge-offs | 132.3755% | 1,410 |
| Earnings coverage of net charge-offs (x) | 20.5057% | 1,730 |
| Efficiency ratio | 57.7144% | 3,316 |
| Assets per employee ($millions) | 5.5432% | 3,148 |
| Cash dividends to net income (ytd only)* | 12.1744% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 2,201 |
| Loan loss allowance to noncurrent loans | 116.4217% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 847 |
| Noncurrent loans to loans | 1.1641% | 959 |
| Net loans and leases to total assets | 50.0882% | 3,402 |
| Net loans and leases to deposits | 56.1393% | 3,568 |
| Net loans and leases to core deposits | 60.2753% | 3,454 |
| Total domestic deposits to total assets | 89.2212% | 1,160 |
| Equity capital to assets | 9.9630% | 2,937 |
| Core capital (leverage) ratio | 8.5496% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0842% | 1,592 |
| Memoranda: | ||
| Average total assets | $2,346,488,000 | 462 |
| Average earning assets | $2,223,338,750 | 454 |
| Average equity | $230,366,750 | 480 |
| Average total loans | $1,224,965,500 | 563 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 2,364 |
| Cost of funding earning assets | 0.4238% | 1,712 |
| Net interest margin | 3.2663% | 2,559 |
| Noninterest income to average assets | 1.0569% | 982 |
| Noninterest expense to average assets | 2.5190% | 2,084 |
| Loan and lease loss provision to assets | 0.1287% | 972 |
| Net operating income to assets | 1.2572% | 2,001 |
| Return on assets (ROA) | 1.2862% | 1,980 |
| Pretax return on assets | 1.5366% | 1,910 |
| Return on Equity (ROE) | 13.1692% | 1,657 |
| Retained earnings to average equity (ytd only) | 12.8308% | 754 |
| Net charge-offs to loans | -0.0190% | 3,975 |
| Credit loss provision to net charge-offs | -1,288.7931% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3680% | 2,964 |
| Assets per employee ($millions) | 5.5434% | 3,075 |
| Cash dividends to net income (ytd only)* | 2.5703% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,894 |
| Loan loss allowance to noncurrent loans | 84.2966% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 840 |
| Noncurrent loans to loans | 1.6827% | 633 |
| Net loans and leases to total assets | 51.4725% | 3,398 |
| Net loans and leases to deposits | 58.0063% | 3,546 |
| Net loans and leases to core deposits | 62.5050% | 3,416 |
| Total domestic deposits to total assets | 88.7361% | 1,422 |
| Equity capital to assets | 9.8725% | 2,978 |
| Core capital (leverage) ratio | 8.4097% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9712% | 1,641 |
| Memoranda: | ||
| Average total assets | $2,323,038,667 | 463 |
| Average earning assets | $2,199,713,000 | 454 |
| Average equity | $226,892,333 | 481 |
| Average total loans | $1,224,227,000 | 560 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 2,886 |
| Cost of funding earning assets | 0.4580% | 1,662 |
| Net interest margin | 3.0530% | 3,123 |
| Noninterest income to average assets | 1.0652% | 1,029 |
| Noninterest expense to average assets | 2.4804% | 2,234 |
| Loan and lease loss provision to assets | 0.1231% | 1,120 |
| Net operating income to assets | 1.1456% | 2,346 |
| Return on assets (ROA) | 1.1548% | 2,384 |
| Pretax return on assets | 1.3612% | 2,393 |
| Return on Equity (ROE) | 11.8905% | 2,056 |
| Retained earnings to average equity (ytd only) | 11.5411% | 1,262 |
| Net charge-offs to loans | -0.0271% | 4,127 |
| Credit loss provision to net charge-offs | -858.5366% | 3,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3806% | 2,686 |
| Assets per employee ($millions) | 5.4415% | 3,174 |
| Cash dividends to net income (ytd only)* | 2.9381% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,057 |
| Loan loss allowance to noncurrent loans | 71.0636% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 792 |
| Noncurrent loans to loans | 1.9404% | 569 |
| Net loans and leases to total assets | 51.6918% | 3,473 |
| Net loans and leases to deposits | 58.1879% | 3,635 |
| Net loans and leases to core deposits | 63.0381% | 3,494 |
| Total domestic deposits to total assets | 88.8360% | 1,425 |
| Equity capital to assets | 9.3934% | 3,293 |
| Core capital (leverage) ratio | 8.5491% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7526% | 1,656 |
| Memoranda: | ||
| Average total assets | $2,287,176,000 | 464 |
| Average earning assets | $2,164,037,500 | 453 |
| Average equity | $222,127,500 | 483 |
| Average total loans | $1,211,150,500 | 570 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 1,926 |
| Cost of funding earning assets | 0.6313% | 2,111 |
| Net interest margin | 3.6495% | 1,980 |
| Noninterest income to average assets | 1.2203% | 749 |
| Noninterest expense to average assets | 2.9462% | 1,554 |
| Loan and lease loss provision to assets | 0.1989% | 1,966 |
| Net operating income to assets | 1.2991% | 1,254 |
| Return on assets (ROA) | 1.3148% | 1,304 |
| Pretax return on assets | 1.5221% | 1,259 |
| Return on Equity (ROE) | 12.4699% | 1,185 |
| Retained earnings to average equity (ytd only) | 9.3522% | 705 |
| Net charge-offs to loans | 0.3555% | 487 |
| Credit loss provision to net charge-offs | 90.8535% | 2,927 |
| Earnings coverage of net charge-offs (x) | 7.7776% | 2,666 |
| Efficiency ratio | 63.0702% | 2,966 |
| Assets per employee ($millions) | 5.1368% | 3,243 |
| Cash dividends to net income (ytd only)* | 25.0021% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,199 |
| Loan loss allowance to noncurrent loans | 68.9338% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 869 |
| Noncurrent loans to loans | 1.9560% | 601 |
| Net loans and leases to total assets | 52.7972% | 3,599 |
| Net loans and leases to deposits | 60.7522% | 3,703 |
| Net loans and leases to core deposits | 65.9994% | 3,540 |
| Total domestic deposits to total assets | 86.9058% | 1,983 |
| Equity capital to assets | 10.0453% | 3,090 |
| Core capital (leverage) ratio | 8.8914% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7251% | 1,959 |
| Memoranda: | ||
| Average total assets | $1,792,909,200 | 530 |
| Average earning assets | $1,684,378,600 | 519 |
| Average equity | $189,047,000 | 531 |
| Average total loans | $1,103,964,600 | 577 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 1,909 |
| Cost of funding earning assets | 0.6723% | 2,190 |
| Net interest margin | 3.7034% | 1,931 |
| Noninterest income to average assets | 1.2675% | 679 |
| Noninterest expense to average assets | 2.9737% | 1,501 |
| Loan and lease loss provision to assets | 0.2062% | 1,946 |
| Net operating income to assets | 1.2920% | 1,375 |
| Return on assets (ROA) | 1.3102% | 1,425 |
| Pretax return on assets | 1.5838% | 1,226 |
| Return on Equity (ROE) | 12.2333% | 1,313 |
| Retained earnings to average equity (ytd only) | 9.8662% | 794 |
| Net charge-offs to loans | 0.1238% | 1,138 |
| Credit loss provision to net charge-offs | 259.1633% | 1,901 |
| Earnings coverage of net charge-offs (x) | 22.2231% | 1,835 |
| Efficiency ratio | 62.3918% | 3,010 |
| Assets per employee ($millions) | 5.0811% | 3,140 |
| Cash dividends to net income (ytd only)* | 19.3492% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,477 |
| Loan loss allowance to noncurrent loans | 65.5311% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 689 |
| Noncurrent loans to loans | 2.2402% | 513 |
| Net loans and leases to total assets | 57.6953% | 3,447 |
| Net loans and leases to deposits | 67.6914% | 3,491 |
| Net loans and leases to core deposits | 73.7751% | 3,332 |
| Total domestic deposits to total assets | 85.2329% | 2,348 |
| Equity capital to assets | 10.2484% | 3,011 |
| Core capital (leverage) ratio | 9.1599% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6852% | 1,931 |
| Memoranda: | ||
| Average total assets | $1,682,507,000 | 551 |
| Average earning assets | $1,578,434,000 | 538 |
| Average equity | $180,192,500 | 548 |
| Average total loans | $1,080,983,750 | 584 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 2,045 |
| Cost of funding earning assets | 0.7136% | 2,312 |
| Net interest margin | 3.7436% | 2,014 |
| Noninterest income to average assets | 1.2476% | 649 |
| Noninterest expense to average assets | 3.1220% | 1,305 |
| Loan and lease loss provision to assets | 0.2110% | 1,959 |
| Net operating income to assets | 1.1855% | 1,684 |
| Return on assets (ROA) | 1.1992% | 1,769 |
| Pretax return on assets | 1.4288% | 1,646 |
| Return on Equity (ROE) | 10.9824% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.4444% | 1,483 |
| Net charge-offs to loans | 0.3141% | 513 |
| Credit loss provision to net charge-offs | 100.4941% | 2,391 |
| Earnings coverage of net charge-offs (x) | 7.7319% | 2,345 |
| Efficiency ratio | 65.4724% | 2,590 |
| Assets per employee ($millions) | 4.9832% | 3,187 |
| Cash dividends to net income (ytd only)* | 32.2159% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 1,805 |
| Loan loss allowance to noncurrent loans | 55.3999% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 583 |
| Noncurrent loans to loans | 2.4256% | 498 |
| Net loans and leases to total assets | 61.6695% | 3,157 |
| Net loans and leases to deposits | 72.2397% | 3,237 |
| Net loans and leases to core deposits | 78.3880% | 3,078 |
| Total domestic deposits to total assets | 85.3679% | 2,247 |
| Equity capital to assets | 10.5484% | 2,709 |
| Core capital (leverage) ratio | 9.5614% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3728% | 2,039 |
| Memoranda: | ||
| Average total assets | $1,542,153,000 | 577 |
| Average earning assets | $1,440,916,333 | 564 |
| Average equity | $168,396,000 | 591 |
| Average total loans | $1,030,730,667 | 597 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,881 |
| Cost of funding earning assets | 0.7428% | 2,707 |
| Net interest margin | 3.5716% | 2,762 |
| Noninterest income to average assets | 1.3813% | 465 |
| Noninterest expense to average assets | 3.0155% | 1,851 |
| Loan and lease loss provision to assets | 0.2196% | 1,408 |
| Net operating income to assets | 1.2187% | 1,455 |
| Return on assets (ROA) | 1.2281% | 1,541 |
| Pretax return on assets | 1.4696% | 1,385 |
| Return on Equity (ROE) | 10.9715% | 1,418 |
| Retained earnings to average equity (ytd only) | 10.3193% | 686 |
| Net charge-offs to loans | 0.1055% | 1,051 |
| Credit loss provision to net charge-offs | 297.1545% | 1,194 |
| Earnings coverage of net charge-offs (x) | 22.7073% | 1,346 |
| Efficiency ratio | 63.8761% | 3,251 |
| Assets per employee ($millions) | 4.1312% | 3,747 |
| Cash dividends to net income (ytd only)* | 5.9442% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,302 |
| Loan loss allowance to noncurrent loans | 57.3238% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.8482% | 479 |
| Noncurrent loans to loans | 2.6357% | 440 |
| Net loans and leases to total assets | 66.1106% | 2,804 |
| Net loans and leases to deposits | 74.5903% | 3,210 |
| Net loans and leases to core deposits | 81.1803% | 3,096 |
| Total domestic deposits to total assets | 88.6316% | 828 |
| Equity capital to assets | 10.9260% | 2,918 |
| Core capital (leverage) ratio | 10.5317% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4502% | 1,769 |
| Memoranda: | ||
| Average total assets | $1,331,534,500 | 628 |
| Average earning assets | $1,234,860,000 | 618 |
| Average equity | $149,040,500 | 661 |
| Average total loans | $932,443,500 | 641 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5516% | 512 |
| Cost of funding earning assets | 1.0121% | 1,674 |
| Net interest margin | 4.5394% | 669 |
| Noninterest income to average assets | 1.4454% | 448 |
| Noninterest expense to average assets | 3.6317% | 827 |
| Loan and lease loss provision to assets | 0.3079% | 531 |
| Net operating income to assets | 1.3485% | 1,512 |
| Return on assets (ROA) | 1.3841% | 1,477 |
| Pretax return on assets | 1.7198% | 1,138 |
| Return on Equity (ROE) | 12.0373% | 1,497 |
| Retained earnings to average equity (ytd only) | 0.6339% | 4,507 |
| Net charge-offs to loans | 0.2945% | 709 |
| Credit loss provision to net charge-offs | 145.2292% | 1,766 |
| Earnings coverage of net charge-offs (x) | 9.3531% | 2,674 |
| Efficiency ratio | 64.2681% | 3,039 |
| Assets per employee ($millions) | 3.7497% | 4,214 |
| Cash dividends to net income (ytd only)* | 94.7334% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,455 |
| Loan loss allowance to noncurrent loans | 66.0757% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 678 |
| Noncurrent loans to loans | 1.8097% | 742 |
| Net loans and leases to total assets | 74.0382% | 1,746 |
| Net loans and leases to deposits | 84.6568% | 2,253 |
| Net loans and leases to core deposits | 91.8629% | 2,245 |
| Total domestic deposits to total assets | 87.4569% | 1,384 |
| Equity capital to assets | 11.6446% | 2,389 |
| Core capital (leverage) ratio | 9.4540% | 4,107 |
| Tier 1 risk-based capital ratio | 12.7148% | 3,938 |
| Total risk-based capital ratio | 13.8953% | 3,867 |
| Memoranda: | ||
| Average total assets | $1,008,313,400 | 777 |
| Average earning assets | $926,154,400 | 776 |
| Average equity | $115,939,800 | 785 |
| Average total loans | $725,922,200 | 785 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 587 |
| Cost of funding earning assets | 1.0065% | 1,734 |
| Net interest margin | 4.4921% | 784 |
| Noninterest income to average assets | 1.4225% | 452 |
| Noninterest expense to average assets | 3.5825% | 867 |
| Loan and lease loss provision to assets | 0.2769% | 552 |
| Net operating income to assets | 1.3940% | 1,491 |
| Return on assets (ROA) | 1.4262% | 1,450 |
| Pretax return on assets | 1.7330% | 1,241 |
| Return on Equity (ROE) | 12.4423% | 1,468 |
| Retained earnings to average equity (ytd only) | 9.7195% | 823 |
| Net charge-offs to loans | 0.2724% | 647 |
| Credit loss provision to net charge-offs | 142.6441% | 1,703 |
| Earnings coverage of net charge-offs (x) | 10.1505% | 2,519 |
| Efficiency ratio | 64.0988% | 2,992 |
| Assets per employee ($millions) | 3.8843% | 4,050 |
| Cash dividends to net income (ytd only)* | 21.8828% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,588 |
| Loan loss allowance to noncurrent loans | 61.3813% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 757 |
| Noncurrent loans to loans | 1.9303% | 719 |
| Net loans and leases to total assets | 69.3901% | 2,570 |
| Net loans and leases to deposits | 79.7691% | 2,926 |
| Net loans and leases to core deposits | 86.5564% | 2,863 |
| Total domestic deposits to total assets | 86.9887% | 1,526 |
| Equity capital to assets | 12.0260% | 2,240 |
| Core capital (leverage) ratio | 10.3499% | 3,254 |
| Tier 1 risk-based capital ratio | 14.1389% | 3,263 |
| Total risk-based capital ratio | 15.3080% | 3,205 |
| Memoranda: | ||
| Average total assets | $1,012,912,500 | 778 |
| Average earning assets | $931,428,000 | 771 |
| Average equity | $116,106,750 | 784 |
| Average total loans | $721,956,000 | 785 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4705% | 597 |
| Cost of funding earning assets | 0.9937% | 1,725 |
| Net interest margin | 4.4768% | 809 |
| Noninterest income to average assets | 1.3857% | 455 |
| Noninterest expense to average assets | 3.6295% | 821 |
| Loan and lease loss provision to assets | 0.2750% | 540 |
| Net operating income to assets | 1.3177% | 1,707 |
| Return on assets (ROA) | 1.3657% | 1,585 |
| Pretax return on assets | 1.6559% | 1,378 |
| Return on Equity (ROE) | 12.1158% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.2135% | 521 |
| Net charge-offs to loans | 0.3092% | 556 |
| Credit loss provision to net charge-offs | 124.1719% | 1,704 |
| Earnings coverage of net charge-offs (x) | 8.4548% | 2,413 |
| Efficiency ratio | 65.5495% | 2,881 |
| Assets per employee ($millions) | 3.8528% | 4,060 |
| Cash dividends to net income (ytd only)* | 7.4477% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,864 |
| Loan loss allowance to noncurrent loans | 61.4742% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 801 |
| Noncurrent loans to loans | 1.8480% | 811 |
| Net loans and leases to total assets | 69.6623% | 2,576 |
| Net loans and leases to deposits | 79.6441% | 2,995 |
| Net loans and leases to core deposits | 85.8778% | 2,971 |
| Total domestic deposits to total assets | 87.4669% | 1,354 |
| Equity capital to assets | 11.7122% | 2,428 |
| Core capital (leverage) ratio | 10.1168% | 3,489 |
| Tier 1 risk-based capital ratio | 13.8034% | 3,423 |
| Total risk-based capital ratio | 14.9200% | 3,397 |
| Memoranda: | ||
| Average total assets | $1,008,735,670 | 776 |
| Average earning assets | $927,484,000 | 772 |
| Average equity | $113,702,330 | 791 |
| Average total loans | $722,578,670 | 784 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 570 |
| Cost of funding earning assets | 0.9440% | 1,815 |
| Net interest margin | 4.5038% | 737 |
| Noninterest income to average assets | 1.3828% | 446 |
| Noninterest expense to average assets | 3.6102% | 837 |
| Loan and lease loss provision to assets | 0.2749% | 494 |
| Net operating income to assets | 1.3329% | 1,586 |
| Return on assets (ROA) | 1.4035% | 1,396 |
| Pretax return on assets | 1.7163% | 1,170 |
| Return on Equity (ROE) | 12.7047% | 1,323 |
| Retained earnings to average equity (ytd only) | 11.8018% | 650 |
| Net charge-offs to loans | 0.4076% | 378 |
| Credit loss provision to net charge-offs | 93.3604% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.4702% | 2,196 |
| Efficiency ratio | 65.0463% | 3,076 |
| Assets per employee ($millions) | 3.7839% | 4,217 |
| Cash dividends to net income (ytd only)* | 7.1063% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,193 |
| Loan loss allowance to noncurrent loans | 72.3071% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 1,132 |
| Noncurrent loans to loans | 1.5037% | 1,070 |
| Net loans and leases to total assets | 69.9368% | 2,495 |
| Net loans and leases to deposits | 79.3205% | 2,915 |
| Net loans and leases to core deposits | 85.4196% | 2,917 |
| Total domestic deposits to total assets | 88.1699% | 1,247 |
| Equity capital to assets | 11.0634% | 2,786 |
| Core capital (leverage) ratio | 9.9840% | 3,619 |
| Tier 1 risk-based capital ratio | 13.6372% | 3,529 |
| Total risk-based capital ratio | 14.7315% | 3,520 |
| Memoranda: | ||
| Average total assets | $1,002,602,500 | 786 |
| Average earning assets | $919,930,000 | 783 |
| Average equity | $110,762,500 | 807 |
| Average total loans | $724,155,000 | 784 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 381 |
| Cost of funding earning assets | 0.5600% | 2,988 |
| Net interest margin | 4.9588% | 290 |
| Noninterest income to average assets | 1.4755% | 420 |
| Noninterest expense to average assets | 3.8748% | 621 |
| Loan and lease loss provision to assets | 0.3385% | 458 |
| Net operating income to assets | 1.2181% | 2,093 |
| Return on assets (ROA) | 1.2458% | 1,987 |
| Pretax return on assets | 1.8299% | 852 |
| Return on Equity (ROE) | 10.1145% | 2,470 |
| Retained earnings to average equity (ytd only) | -7.8648% | 5,291 |
| Net charge-offs to loans | 0.2458% | 788 |
| Credit loss provision to net charge-offs | 184.3643% | 1,537 |
| Earnings coverage of net charge-offs (x) | 11.6197% | 2,612 |
| Efficiency ratio | 64.0839% | 3,180 |
| Assets per employee ($millions) | 3.6028% | 4,446 |
| Cash dividends to net income (ytd only)* | 177.7581% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,180 |
| Loan loss allowance to noncurrent loans | 65.9903% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.3420% | 943 |
| Noncurrent loans to loans | 1.6497% | 886 |
| Net loans and leases to total assets | 73.0049% | 2,098 |
| Net loans and leases to deposits | 82.7319% | 2,648 |
| Net loans and leases to core deposits | 88.2970% | 2,729 |
| Total domestic deposits to total assets | 88.2427% | 1,185 |
| Equity capital to assets | 11.0310% | 2,654 |
| Core capital (leverage) ratio | 10.1787% | 3,372 |
| Tier 1 risk-based capital ratio | 13.1636% | 3,750 |
| Total risk-based capital ratio | 14.2632% | 3,724 |
| Memoranda: | ||
| Average total assets | $950,969,200 | 803 |
| Average earning assets | $869,244,000 | 812 |
| Average equity | $117,129,400 | 737 |
| Average total loans | $710,298,400 | 782 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 352 |
| Cost of funding earning assets | 0.5005% | 3,196 |
| Net interest margin | 5.0116% | 264 |
| Noninterest income to average assets | 1.5117% | 421 |
| Noninterest expense to average assets | 3.8632% | 618 |
| Loan and lease loss provision to assets | 0.3398% | 407 |
| Net operating income to assets | 1.1358% | 2,509 |
| Return on assets (ROA) | 1.1736% | 2,352 |
| Pretax return on assets | 1.9398% | 752 |
| Return on Equity (ROE) | 9.2759% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.7242% | 3,910 |
| Net charge-offs to loans | 0.1708% | 970 |
| Credit loss provision to net charge-offs | 265.5249% | 1,125 |
| Earnings coverage of net charge-offs (x) | 17.4386% | 2,110 |
| Efficiency ratio | 62.9791% | 3,339 |
| Assets per employee ($millions) | 3.4423% | 4,633 |
| Cash dividends to net income (ytd only)* | 59.8506% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,295 |
| Loan loss allowance to noncurrent loans | 73.6119% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 1,054 |
| Noncurrent loans to loans | 1.4690% | 1,107 |
| Net loans and leases to total assets | 78.3186% | 1,291 |
| Net loans and leases to deposits | 91.3251% | 1,718 |
| Net loans and leases to core deposits | 96.5828% | 2,060 |
| Total domestic deposits to total assets | 85.7580% | 2,298 |
| Equity capital to assets | 12.9925% | 1,346 |
| Core capital (leverage) ratio | 11.7393% | 1,981 |
| Tier 1 risk-based capital ratio | 14.7340% | 3,002 |
| Total risk-based capital ratio | 15.8258% | 3,002 |
| Memoranda: | ||
| Average total assets | $942,823,250 | 807 |
| Average earning assets | $862,248,750 | 817 |
| Average equity | $119,287,750 | 715 |
| Average total loans | $706,386,750 | 777 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 391 |
| Cost of funding earning assets | 0.4747% | 3,195 |
| Net interest margin | 4.9257% | 282 |
| Noninterest income to average assets | 1.4658% | 444 |
| Noninterest expense to average assets | 3.8533% | 638 |
| Loan and lease loss provision to assets | 0.3359% | 400 |
| Net operating income to assets | 0.8851% | 3,526 |
| Return on assets (ROA) | 0.9205% | 3,370 |
| Pretax return on assets | 1.8289% | 904 |
| Return on Equity (ROE) | 7.3394% | 3,783 |
| Retained earnings to average equity (ytd only) | 1.0257% | 4,747 |
| Net charge-offs to loans | 0.1792% | 879 |
| Credit loss provision to net charge-offs | 254.8800% | 1,122 |
| Earnings coverage of net charge-offs (x) | 16.0864% | 2,009 |
| Efficiency ratio | 64.0979% | 3,304 |
| Assets per employee ($millions) | 3.4429% | 4,668 |
| Cash dividends to net income (ytd only)* | 86.0252% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,563 |
| Loan loss allowance to noncurrent loans | 70.2164% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 1,167 |
| Noncurrent loans to loans | 1.4870% | 1,130 |
| Net loans and leases to total assets | 74.8718% | 1,812 |
| Net loans and leases to deposits | 86.6121% | 2,256 |
| Net loans and leases to core deposits | 91.3374% | 2,451 |
| Total domestic deposits to total assets | 86.4450% | 2,077 |
| Equity capital to assets | 12.7470% | 1,422 |
| Core capital (leverage) ratio | 11.2231% | 2,323 |
| Tier 1 risk-based capital ratio | 14.7549% | 2,991 |
| Total risk-based capital ratio | 15.8028% | 3,011 |
| Memoranda: | ||
| Average total assets | $948,434,000 | 802 |
| Average earning assets | $867,934,330 | 816 |
| Average equity | $118,947,330 | 714 |
| Average total loans | $697,465,330 | 788 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 454 |
| Cost of funding earning assets | 0.4419% | 3,271 |
| Net interest margin | 4.7983% | 346 |
| Noninterest income to average assets | 1.4912% | 431 |
| Noninterest expense to average assets | 3.8834% | 602 |
| Loan and lease loss provision to assets | 0.3294% | 376 |
| Net operating income to assets | 0.2701% | 5,136 |
| Return on assets (ROA) | 0.3403% | 5,032 |
| Pretax return on assets | 1.7590% | 987 |
| Return on Equity (ROE) | 2.7355% | 5,069 |
| Retained earnings to average equity (ytd only) | -9.1295% | 5,344 |
| Net charge-offs to loans | 0.1520% | 922 |
| Credit loss provision to net charge-offs | 298.8593% | 827 |
| Earnings coverage of net charge-offs (x) | 18.1407% | 1,544 |
| Efficiency ratio | 65.6052% | 3,235 |
| Assets per employee ($millions) | 3.5176% | 4,649 |
| Cash dividends to net income (ytd only)* | 433.7438% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,962 |
| Loan loss allowance to noncurrent loans | 82.4303% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 1,561 |
| Noncurrent loans to loans | 1.2126% | 1,498 |
| Net loans and leases to total assets | 71.4534% | 2,258 |
| Net loans and leases to deposits | 81.9324% | 2,606 |
| Net loans and leases to core deposits | 94.4686% | 2,099 |
| Total domestic deposits to total assets | 87.2102% | 2,038 |
| Equity capital to assets | 12.0128% | 1,776 |
| Core capital (leverage) ratio | 10.8977% | 2,542 |
| Tier 1 risk-based capital ratio | 14.5551% | 3,093 |
| Total risk-based capital ratio | 15.5595% | 3,138 |
| Memoranda: | ||
| Average total assets | $954,422,000 | 807 |
| Average earning assets | $873,568,000 | 812 |
| Average equity | $118,736,000 | 721 |
| Average total loans | $691,927,500 | 795 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5842% | 235 |
| Cost of funding earning assets | 0.3775% | 3,441 |
| Net interest margin | 5.2067% | 168 |
| Noninterest income to average assets | 1.5003% | 467 |
| Noninterest expense to average assets | 3.7713% | 721 |
| Loan and lease loss provision to assets | 0.4085% | 358 |
| Net operating income to assets | 2.0635% | 247 |
| Return on assets (ROA) | 2.2568% | 178 |
| Pretax return on assets | 2.2568% | 289 |
| Return on Equity (ROE) | 17.9965% | 303 |
| Retained earnings to average equity (ytd only) | 10.4293% | 294 |
| Net charge-offs to loans | 0.5526% | 422 |
| Credit loss provision to net charge-offs | 99.4701% | 2,614 |
| Earnings coverage of net charge-offs (x) | 6.0188% | 3,238 |
| Efficiency ratio | 59.9993% | 4,266 |
| Assets per employee ($millions) | 3.4240% | 4,798 |
| Cash dividends to net income (ytd only)* | 42.0484% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,295 |
| Loan loss allowance to noncurrent loans | 77.6383% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 1,459 |
| Noncurrent loans to loans | 1.2034% | 1,472 |
| Net loans and leases to total assets | 72.1453% | 2,214 |
| Net loans and leases to deposits | 83.1999% | 2,579 |
| Net loans and leases to core deposits | 95.7233% | 2,053 |
| Total domestic deposits to total assets | 86.7132% | 2,140 |
| Equity capital to assets | 12.8769% | 1,325 |
| Core capital (leverage) ratio | 11.3830% | 2,031 |
| Tier 1 risk-based capital ratio | 15.1398% | 2,778 |
| Total risk-based capital ratio | 16.0798% | 2,855 |
| Memoranda: | ||
| Average total assets | $918,893,200 | 807 |
| Average earning assets | $837,058,800 | 821 |
| Average equity | $115,233,400 | 709 |
| Average total loans | $682,966,000 | 767 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5015% | 253 |
| Cost of funding earning assets | 0.3644% | 3,510 |
| Net interest margin | 5.1370% | 182 |
| Noninterest income to average assets | 1.5203% | 471 |
| Noninterest expense to average assets | 3.7332% | 737 |
| Loan and lease loss provision to assets | 0.3170% | 484 |
| Net operating income to assets | 2.1481% | 240 |
| Return on assets (ROA) | 2.3926% | 160 |
| Pretax return on assets | 2.3926% | 259 |
| Return on Equity (ROE) | 19.2122% | 265 |
| Retained earnings to average equity (ytd only) | 10.0016% | 585 |
| Net charge-offs to loans | 0.4597% | 453 |
| Credit loss provision to net charge-offs | 92.2979% | 2,429 |
| Earnings coverage of net charge-offs (x) | 7.1779% | 2,906 |
| Efficiency ratio | 59.8199% | 4,252 |
| Assets per employee ($millions) | 3.3648% | 4,894 |
| Cash dividends to net income (ytd only)* | 47.9416% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,483 |
| Loan loss allowance to noncurrent loans | 68.3121% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,424 |
| Noncurrent loans to loans | 1.3415% | 1,415 |
| Net loans and leases to total assets | 73.5179% | 1,995 |
| Net loans and leases to deposits | 84.8306% | 2,455 |
| Net loans and leases to core deposits | 95.5249% | 2,128 |
| Total domestic deposits to total assets | 86.6644% | 2,013 |
| Equity capital to assets | 12.7776% | 1,502 |
| Core capital (leverage) ratio | 11.1992% | 2,279 |
| Tier 1 risk-based capital ratio | 14.6679% | 3,088 |
| Total risk-based capital ratio | 15.5868% | 3,180 |
| Memoranda: | ||
| Average total assets | $912,360,250 | 818 |
| Average earning assets | $830,836,750 | 836 |
| Average equity | $113,619,250 | 723 |
| Average total loans | $681,652,250 | 770 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4631% | 258 |
| Cost of funding earning assets | 0.3534% | 3,549 |
| Net interest margin | 5.1097% | 188 |
| Noninterest income to average assets | 1.5108% | 475 |
| Noninterest expense to average assets | 3.7305% | 745 |
| Loan and lease loss provision to assets | 0.3135% | 475 |
| Net operating income to assets | 2.1169% | 252 |
| Return on assets (ROA) | 2.2583% | 191 |
| Pretax return on assets | 2.2583% | 319 |
| Return on Equity (ROE) | 18.2954% | 307 |
| Retained earnings to average equity (ytd only) | 7.1250% | 1,527 |
| Net charge-offs to loans | 0.5246% | 370 |
| Credit loss provision to net charge-offs | 79.7872% | 2,266 |
| Earnings coverage of net charge-offs (x) | 6.1859% | 2,734 |
| Efficiency ratio | 60.1371% | 4,297 |
| Assets per employee ($millions) | 3.4034% | 4,856 |
| Cash dividends to net income (ytd only)* | 61.0559% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,647 |
| Loan loss allowance to noncurrent loans | 60.9388% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 1,389 |
| Noncurrent loans to loans | 1.4746% | 1,280 |
| Net loans and leases to total assets | 72.0109% | 2,202 |
| Net loans and leases to deposits | 82.5831% | 2,643 |
| Net loans and leases to core deposits | 92.4178% | 2,301 |
| Total domestic deposits to total assets | 87.1981% | 1,854 |
| Equity capital to assets | 12.3317% | 1,712 |
| Core capital (leverage) ratio | 10.5901% | 2,825 |
| Tier 1 risk-based capital ratio | 13.9627% | 3,445 |
| Total risk-based capital ratio | 14.8529% | 3,557 |
| Memoranda: | ||
| Average total assets | $909,164,000 | 830 |
| Average earning assets | $827,369,670 | 846 |
| Average equity | $112,224,670 | 735 |
| Average total loans | $680,847,330 | 772 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 281 |
| Cost of funding earning assets | 0.3252% | 3,801 |
| Net interest margin | 5.0538% | 205 |
| Noninterest income to average assets | 1.5474% | 464 |
| Noninterest expense to average assets | 3.7567% | 714 |
| Loan and lease loss provision to assets | 0.3218% | 390 |
| Net operating income to assets | 2.0613% | 276 |
| Return on assets (ROA) | 2.3069% | 194 |
| Pretax return on assets | 2.3069% | 296 |
| Return on Equity (ROE) | 18.6793% | 298 |
| Retained earnings to average equity (ytd only) | 12.9881% | 377 |
| Net charge-offs to loans | 0.2462% | 727 |
| Credit loss provision to net charge-offs | 171.9048% | 1,119 |
| Earnings coverage of net charge-offs (x) | 12.7310% | 1,829 |
| Efficiency ratio | 60.7724% | 4,349 |
| Assets per employee ($millions) | 3.3029% | 5,041 |
| Cash dividends to net income (ytd only)* | 30.4675% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 4,359 |
| Loan loss allowance to noncurrent loans | 60.4801% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 1,206 |
| Noncurrent loans to loans | 1.6330% | 1,191 |
| Net loans and leases to total assets | 74.5246% | 1,657 |
| Net loans and leases to deposits | 85.4718% | 2,095 |
| Net loans and leases to core deposits | 93.3758% | 2,030 |
| Total domestic deposits to total assets | 87.1921% | 2,115 |
| Equity capital to assets | 12.3721% | 1,621 |
| Core capital (leverage) ratio | 10.7717% | 2,624 |
| Tier 1 risk-based capital ratio | 14.0059% | 3,474 |
| Total risk-based capital ratio | 14.9999% | 3,537 |
| Memoranda: | ||
| Average total assets | $897,486,500 | 844 |
| Average earning assets | $815,540,500 | 857 |
| Average equity | $110,839,500 | 744 |
| Average total loans | $682,469,000 | 766 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6579% | 203 |
| Cost of funding earning assets | 0.3187% | 3,857 |
| Net interest margin | 5.3392% | 142 |
| Noninterest income to average assets | 1.6030% | 474 |
| Noninterest expense to average assets | 3.8791% | 710 |
| Loan and lease loss provision to assets | 0.4018% | 387 |
| Net operating income to assets | 2.1710% | 235 |
| Return on assets (ROA) | 2.2369% | 224 |
| Pretax return on assets | 2.2369% | 305 |
| Return on Equity (ROE) | 18.3983% | 300 |
| Retained earnings to average equity (ytd only) | 10.0162% | 406 |
| Net charge-offs to loans | 0.4674% | 537 |
| Credit loss provision to net charge-offs | 113.0084% | 2,328 |
| Earnings coverage of net charge-offs (x) | 7.2356% | 3,047 |
| Efficiency ratio | 59.7086% | 4,628 |
| Assets per employee ($millions) | 3.2360% | 5,115 |
| Cash dividends to net income (ytd only)* | 45.5590% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 4,594 |
| Loan loss allowance to noncurrent loans | 60.2804% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 1,275 |
| Noncurrent loans to loans | 1.5706% | 1,257 |
| Net loans and leases to total assets | 76.1080% | 1,500 |
| Net loans and leases to deposits | 87.4008% | 2,002 |
| Net loans and leases to core deposits | 96.6048% | 1,870 |
| Total domestic deposits to total assets | 87.0793% | 2,099 |
| Equity capital to assets | 12.3274% | 1,619 |
| Core capital (leverage) ratio | 10.5793% | 2,798 |
| Tier 1 risk-based capital ratio | 13.5159% | 3,761 |
| Total risk-based capital ratio | 14.4662% | 3,861 |
| Memoranda: | ||
| Average total assets | $871,263,000 | 832 |
| Average earning assets | $791,261,200 | 846 |
| Average equity | $105,928,200 | 754 |
| Average total loans | $662,864,000 | 753 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6743% | 196 |
| Cost of funding earning assets | 0.3174% | 3,899 |
| Net interest margin | 5.3569% | 137 |
| Noninterest income to average assets | 1.6296% | 465 |
| Noninterest expense to average assets | 3.8649% | 701 |
| Loan and lease loss provision to assets | 0.3874% | 387 |
| Net operating income to assets | 2.2439% | 227 |
| Return on assets (ROA) | 2.2784% | 229 |
| Pretax return on assets | 2.2784% | 332 |
| Return on Equity (ROE) | 18.8073% | 308 |
| Retained earnings to average equity (ytd only) | 7.8043% | 1,253 |
| Net charge-offs to loans | 0.2933% | 783 |
| Credit loss provision to net charge-offs | 174.0331% | 1,601 |
| Earnings coverage of net charge-offs (x) | 11.8218% | 2,442 |
| Efficiency ratio | 59.0838% | 4,681 |
| Assets per employee ($millions) | 3.3111% | 5,031 |
| Cash dividends to net income (ytd only)* | 58.5037% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,105 |
| Loan loss allowance to noncurrent loans | 58.9712% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.5312% | 1,161 |
| Noncurrent loans to loans | 1.7857% | 1,160 |
| Net loans and leases to total assets | 75.3821% | 1,639 |
| Net loans and leases to deposits | 86.4106% | 2,219 |
| Net loans and leases to core deposits | 95.9120% | 2,001 |
| Total domestic deposits to total assets | 87.2371% | 1,784 |
| Equity capital to assets | 12.1772% | 1,991 |
| Core capital (leverage) ratio | 10.0548% | 3,497 |
| Tier 1 risk-based capital ratio | 13.1025% | 4,097 |
| Total risk-based capital ratio | 14.1702% | 4,122 |
| Memoranda: | ||
| Average total assets | $867,411,500 | 835 |
| Average earning assets | $787,999,250 | 851 |
| Average equity | $105,084,500 | 759 |
| Average total loans | $658,261,000 | 753 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7447% | 178 |
| Cost of funding earning assets | 0.3181% | 3,919 |
| Net interest margin | 5.4266% | 129 |
| Noninterest income to average assets | 1.6009% | 476 |
| Noninterest expense to average assets | 3.8838% | 689 |
| Loan and lease loss provision to assets | 0.4152% | 358 |
| Net operating income to assets | 2.2285% | 217 |
| Return on assets (ROA) | 2.2801% | 211 |
| Pretax return on assets | 2.2801% | 321 |
| Return on Equity (ROE) | 18.8542% | 306 |
| Retained earnings to average equity (ytd only) | 6.9284% | 1,640 |
| Net charge-offs to loans | 0.2686% | 890 |
| Credit loss provision to net charge-offs | 203.9954% | 1,284 |
| Earnings coverage of net charge-offs (x) | 12.9886% | 2,156 |
| Efficiency ratio | 59.0859% | 4,758 |
| Assets per employee ($millions) | 3.2641% | 5,121 |
| Cash dividends to net income (ytd only)* | 63.2528% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,213 |
| Loan loss allowance to noncurrent loans | 58.9661% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 1,214 |
| Noncurrent loans to loans | 1.7857% | 1,162 |
| Net loans and leases to total assets | 75.3042% | 1,592 |
| Net loans and leases to deposits | 86.4179% | 2,204 |
| Net loans and leases to core deposits | 96.2298% | 1,957 |
| Total domestic deposits to total assets | 87.1397% | 1,840 |
| Equity capital to assets | 12.2442% | 1,946 |
| Core capital (leverage) ratio | 9.8370% | 3,765 |
| Tier 1 risk-based capital ratio | 12.9211% | 4,247 |
| Total risk-based capital ratio | 13.9797% | 4,269 |
| Memoranda: | ||
| Average total assets | $860,758,330 | 847 |
| Average earning assets | $781,453,330 | 856 |
| Average equity | $104,093,670 | 763 |
| Average total loans | $652,335,330 | 760 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 252 |
| Cost of funding earning assets | 0.3165% | 3,990 |
| Net interest margin | 5.1957% | 179 |
| Noninterest income to average assets | 1.5995% | 461 |
| Noninterest expense to average assets | 3.8357% | 738 |
| Loan and lease loss provision to assets | 0.3253% | 471 |
| Net operating income to assets | 2.1512% | 247 |
| Return on assets (ROA) | 2.1605% | 259 |
| Pretax return on assets | 2.1605% | 412 |
| Return on Equity (ROE) | 17.9793% | 354 |
| Retained earnings to average equity (ytd only) | 8.1255% | 1,404 |
| Net charge-offs to loans | 0.1975% | 1,007 |
| Credit loss provision to net charge-offs | 217.8125% | 1,026 |
| Earnings coverage of net charge-offs (x) | 16.5813% | 1,611 |
| Efficiency ratio | 60.3446% | 4,701 |
| Assets per employee ($millions) | 3.3096% | 5,112 |
| Cash dividends to net income (ytd only)* | 54.8067% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,671 |
| Loan loss allowance to noncurrent loans | 48.4282% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.7255% | 1,106 |
| Noncurrent loans to loans | 2.0412% | 1,040 |
| Net loans and leases to total assets | 73.6416% | 1,789 |
| Net loans and leases to deposits | 84.0085% | 2,304 |
| Net loans and leases to core deposits | 94.0451% | 1,983 |
| Total domestic deposits to total assets | 87.6597% | 1,821 |
| Equity capital to assets | 11.9062% | 2,086 |
| Core capital (leverage) ratio | 9.9771% | 3,557 |
| Tier 1 risk-based capital ratio | 13.0254% | 4,253 |
| Total risk-based capital ratio | 14.0290% | 4,320 |
| Memoranda: | ||
| Average total assets | $857,008,500 | 853 |
| Average earning assets | $777,330,500 | 859 |
| Average equity | $102,985,000 | 776 |
| Average total loans | $648,106,500 | 764 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 268 |
| Cost of funding earning assets | 0.3270% | 3,941 |
| Net interest margin | 5.1595% | 197 |
| Noninterest income to average assets | 1.6414% | 480 |
| Noninterest expense to average assets | 3.8155% | 848 |
| Loan and lease loss provision to assets | 0.2987% | 578 |
| Net operating income to assets | 2.1936% | 255 |
| Return on assets (ROA) | 2.2196% | 248 |
| Pretax return on assets | 2.2196% | 329 |
| Return on Equity (ROE) | 17.5464% | 410 |
| Retained earnings to average equity (ytd only) | 7.6595% | 1,038 |
| Net charge-offs to loans | 0.1348% | 2,012 |
| Credit loss provision to net charge-offs | 299.2228% | 991 |
| Earnings coverage of net charge-offs (x) | 24.9663% | 1,646 |
| Efficiency ratio | 60.1599% | 4,886 |
| Assets per employee ($millions) | 3.1471% | 5,364 |
| Cash dividends to net income (ytd only)* | 56.3472% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 4,935 |
| Loan loss allowance to noncurrent loans | 38.3085% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 851 |
| Noncurrent loans to loans | 2.4422% | 767 |
| Net loans and leases to total assets | 76.2017% | 1,378 |
| Net loans and leases to deposits | 87.1754% | 1,981 |
| Net loans and leases to core deposits | 95.7528% | 1,873 |
| Total domestic deposits to total assets | 87.4120% | 1,920 |
| Equity capital to assets | 12.1318% | 1,862 |
| Core capital (leverage) ratio | 9.9426% | 3,591 |
| Tier 1 risk-based capital ratio | 12.9019% | 4,386 |
| Total risk-based capital ratio | 13.8598% | 4,460 |
| Memoranda: | ||
| Average total assets | $773,325,400 | 895 |
| Average earning assets | $699,426,200 | 918 |
| Average equity | $97,826,400 | 786 |
| Average total loans | $572,608,200 | 819 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 305 |
| Cost of funding earning assets | 0.3248% | 4,048 |
| Net interest margin | 5.1007% | 206 |
| Noninterest income to average assets | 1.6116% | 486 |
| Noninterest expense to average assets | 3.7101% | 960 |
| Loan and lease loss provision to assets | 0.2954% | 505 |
| Net operating income to assets | 2.2194% | 251 |
| Return on assets (ROA) | 2.2545% | 243 |
| Pretax return on assets | 2.2545% | 365 |
| Return on Equity (ROE) | 17.6212% | 427 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,354 |
| Net charge-offs to loans | 0.0669% | 2,614 |
| Credit loss provision to net charge-offs | 602.8777% | 562 |
| Earnings coverage of net charge-offs (x) | 51.3306% | 1,022 |
| Efficiency ratio | 59.3126% | 4,968 |
| Assets per employee ($millions) | 3.2054% | 5,278 |
| Cash dividends to net income (ytd only)* | 66.9585% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 5,151 |
| Loan loss allowance to noncurrent loans | 43.7005% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.8220% | 1,167 |
| Noncurrent loans to loans | 2.0905% | 1,084 |
| Net loans and leases to total assets | 76.8759% | 1,261 |
| Net loans and leases to deposits | 87.7068% | 1,944 |
| Net loans and leases to core deposits | 97.0694% | 1,781 |
| Total domestic deposits to total assets | 87.6510% | 1,727 |
| Equity capital to assets | 11.7449% | 2,310 |
| Core capital (leverage) ratio | 9.5935% | 4,175 |
| Tier 1 risk-based capital ratio | 12.6577% | 4,640 |
| Total risk-based capital ratio | 13.6144% | 4,753 |
| Memoranda: | ||
| Average total assets | $756,587,750 | 920 |
| Average earning assets | $684,284,000 | 940 |
| Average equity | $96,797,750 | 795 |
| Average total loans | $554,172,250 | 852 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 378 |
| Cost of funding earning assets | 0.3175% | 4,191 |
| Net interest margin | 4.9557% | 273 |
| Noninterest income to average assets | 1.5705% | 522 |
| Noninterest expense to average assets | 3.5998% | 1,130 |
| Loan and lease loss provision to assets | 0.2960% | 529 |
| Net operating income to assets | 2.1538% | 278 |
| Return on assets (ROA) | 2.1825% | 284 |
| Pretax return on assets | 2.1825% | 430 |
| Return on Equity (ROE) | 16.5436% | 545 |
| Retained earnings to average equity (ytd only) | 5.7551% | 2,378 |
| Net charge-offs to loans | -0.0115% | 4,969 |
| Credit loss provision to net charge-offs | -3,606.6667% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3098% | 5,074 |
| Assets per employee ($millions) | 3.3626% | 5,054 |
| Cash dividends to net income (ytd only)* | 65.2125% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 5,379 |
| Loan loss allowance to noncurrent loans | 44.3331% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.7749% | 1,308 |
| Noncurrent loans to loans | 1.9802% | 1,241 |
| Net loans and leases to total assets | 75.4989% | 1,434 |
| Net loans and leases to deposits | 85.7522% | 2,077 |
| Net loans and leases to core deposits | 94.5442% | 1,906 |
| Total domestic deposits to total assets | 88.0432% | 1,633 |
| Equity capital to assets | 11.4519% | 2,458 |
| Core capital (leverage) ratio | 9.1222% | 4,787 |
| Tier 1 risk-based capital ratio | 12.3889% | 4,887 |
| Total risk-based capital ratio | 13.2972% | 5,016 |
| Memoranda: | ||
| Average total assets | $730,982,000 | 951 |
| Average earning assets | $660,698,000 | 974 |
| Average equity | $96,436,000 | 805 |
| Average total loans | $523,364,670 | 906 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 397 |
| Cost of funding earning assets | 0.3223% | 4,195 |
| Net interest margin | 4.8923% | 306 |
| Noninterest income to average assets | 1.5464% | 516 |
| Noninterest expense to average assets | 3.5182% | 1,270 |
| Loan and lease loss provision to assets | 0.3088% | 454 |
| Net operating income to assets | 2.1463% | 256 |
| Return on assets (ROA) | 2.1847% | 253 |
| Pretax return on assets | 2.1847% | 395 |
| Return on Equity (ROE) | 15.3048% | 667 |
| Retained earnings to average equity (ytd only) | 5.6445% | 2,683 |
| Net charge-offs to loans | -0.0293% | 5,235 |
| Credit loss provision to net charge-offs | -1,535.2941% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8987% | 5,236 |
| Assets per employee ($millions) | 3.3797% | 5,113 |
| Cash dividends to net income (ytd only)* | 63.1194% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,553 |
| Loan loss allowance to noncurrent loans | 99.7830% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 2,321 |
| Noncurrent loans to loans | 1.0952% | 2,574 |
| Net loans and leases to total assets | 66.3874% | 2,711 |
| Net loans and leases to deposits | 77.7453% | 2,837 |
| Net loans and leases to core deposits | 87.1079% | 2,418 |
| Total domestic deposits to total assets | 85.3909% | 3,225 |
| Equity capital to assets | 14.1225% | 944 |
| Core capital (leverage) ratio | 13.0733% | 1,129 |
| Tier 1 risk-based capital ratio | 18.1925% | 2,083 |
| Total risk-based capital ratio | 19.2487% | 2,089 |
| Memoranda: | ||
| Average total assets | $676,149,000 | 1,033 |
| Average earning assets | $611,816,500 | 1,043 |
| Average equity | $96,519,000 | 804 |
| Average total loans | $464,896,500 | 997 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 324 |
| Cost of funding earning assets | 0.3557% | 4,192 |
| Net interest margin | 5.1314% | 238 |
| Noninterest income to average assets | 1.6544% | 466 |
| Noninterest expense to average assets | 3.6995% | 1,151 |
| Loan and lease loss provision to assets | 0.2926% | 706 |
| Net operating income to assets | 2.3093% | 189 |
| Return on assets (ROA) | 2.5160% | 143 |
| Pretax return on assets | 2.5160% | 182 |
| Return on Equity (ROE) | 18.2609% | 372 |
| Retained earnings to average equity (ytd only) | 9.4748% | 608 |
| Net charge-offs to loans | 0.3533% | 1,238 |
| Credit loss provision to net charge-offs | 120.8784% | 1,984 |
| Earnings coverage of net charge-offs (x) | 10.7505% | 2,586 |
| Efficiency ratio | 58.7096% | 5,375 |
| Assets per employee ($millions) | 3.2977% | 5,261 |
| Cash dividends to net income (ytd only)* | 48.1141% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 5,224 |
| Loan loss allowance to noncurrent loans | 91.9886% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 2,483 |
| Noncurrent loans to loans | 1.0477% | 2,730 |
| Net loans and leases to total assets | 69.7788% | 2,268 |
| Net loans and leases to deposits | 82.1001% | 2,455 |
| Net loans and leases to core deposits | 91.2037% | 2,167 |
| Total domestic deposits to total assets | 84.9923% | 3,282 |
| Equity capital to assets | 14.4332% | 831 |
| Core capital (leverage) ratio | 13.1608% | 1,077 |
| Tier 1 risk-based capital ratio | 17.8958% | 2,175 |
| Total risk-based capital ratio | 18.8356% | 2,251 |
| Memoranda: | ||
| Average total assets | $649,117,800 | 1,033 |
| Average earning assets | $587,830,200 | 1,042 |
| Average equity | $89,436,800 | 824 |
| Average total loans | $444,682,200 | 990 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 371 |
| Cost of funding earning assets | 0.3595% | 4,237 |
| Net interest margin | 5.0502% | 268 |
| Noninterest income to average assets | 1.6416% | 482 |
| Noninterest expense to average assets | 3.6756% | 1,159 |
| Loan and lease loss provision to assets | 0.2899% | 690 |
| Net operating income to assets | 2.2592% | 206 |
| Return on assets (ROA) | 2.5366% | 139 |
| Pretax return on assets | 2.5366% | 199 |
| Return on Equity (ROE) | 18.6374% | 384 |
| Retained earnings to average equity (ytd only) | 8.1171% | 1,304 |
| Net charge-offs to loans | 0.1931% | 1,923 |
| Credit loss provision to net charge-offs | 220.7547% | 1,172 |
| Earnings coverage of net charge-offs (x) | 19.4104% | 1,786 |
| Efficiency ratio | 59.0479% | 5,306 |
| Assets per employee ($millions) | 3.2316% | 5,366 |
| Cash dividends to net income (ytd only)* | 56.4474% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 4,802 |
| Loan loss allowance to noncurrent loans | 73.1892% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 2,272 |
| Noncurrent loans to loans | 1.4879% | 2,183 |
| Net loans and leases to total assets | 68.7518% | 2,425 |
| Net loans and leases to deposits | 80.6308% | 2,600 |
| Net loans and leases to core deposits | 89.4583% | 2,275 |
| Total domestic deposits to total assets | 85.2674% | 3,237 |
| Equity capital to assets | 14.1165% | 965 |
| Core capital (leverage) ratio | 12.8598% | 1,243 |
| Tier 1 risk-based capital ratio | 17.6378% | 2,341 |
| Total risk-based capital ratio | 18.6927% | 2,377 |
| Memoranda: | ||
| Average total assets | $645,686,000 | 1,049 |
| Average earning assets | $585,965,000 | 1,052 |
| Average equity | $87,878,500 | 837 |
| Average total loans | $439,096,250 | 1,009 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 383 |
| Cost of funding earning assets | 0.3635% | 4,275 |
| Net interest margin | 5.0232% | 272 |
| Noninterest income to average assets | 1.5824% | 500 |
| Noninterest expense to average assets | 3.6753% | 1,180 |
| Loan and lease loss provision to assets | 0.2860% | 702 |
| Net operating income to assets | 2.1787% | 237 |
| Return on assets (ROA) | 2.5943% | 127 |
| Pretax return on assets | 2.5943% | 181 |
| Return on Equity (ROE) | 19.3048% | 334 |
| Retained earnings to average equity (ytd only) | 6.5190% | 2,023 |
| Net charge-offs to loans | 0.2671% | 1,481 |
| Credit loss provision to net charge-offs | 158.6207% | 1,406 |
| Earnings coverage of net charge-offs (x) | 13.6690% | 1,962 |
| Efficiency ratio | 59.8582% | 5,313 |
| Assets per employee ($millions) | 3.1704% | 5,471 |
| Cash dividends to net income (ytd only)* | 66.2313% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,299 |
| Loan loss allowance to noncurrent loans | 70.7589% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 2,506 |
| Noncurrent loans to loans | 1.4295% | 2,417 |
| Net loans and leases to total assets | 67.6238% | 2,479 |
| Net loans and leases to deposits | 78.8082% | 2,689 |
| Net loans and leases to core deposits | 87.4561% | 2,367 |
| Total domestic deposits to total assets | 85.8081% | 3,145 |
| Equity capital to assets | 13.6223% | 1,120 |
| Core capital (leverage) ratio | 12.4226% | 1,435 |
| Tier 1 risk-based capital ratio | 17.2958% | 2,503 |
| Total risk-based capital ratio | 18.2711% | 2,567 |
| Memoranda: | ||
| Average total assets | $643,322,330 | 1,050 |
| Average earning assets | $583,689,000 | 1,054 |
| Average equity | $86,455,000 | 850 |
| Average total loans | $434,216,000 | 1,018 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 334 |
| Cost of funding earning assets | 0.3691% | 4,326 |
| Net interest margin | 5.0498% | 245 |
| Noninterest income to average assets | 1.5150% | 513 |
| Noninterest expense to average assets | 3.7135% | 1,112 |
| Loan and lease loss provision to assets | 0.2819% | 721 |
| Net operating income to assets | 2.0970% | 286 |
| Return on assets (ROA) | 2.7636% | 121 |
| Pretax return on assets | 2.7636% | 169 |
| Return on Equity (ROE) | 20.7092% | 256 |
| Retained earnings to average equity (ytd only) | 9.4180% | 1,137 |
| Net charge-offs to loans | 0.1261% | 1,960 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 28.1259% | 1,090 |
| Efficiency ratio | 60.9523% | 5,271 |
| Assets per employee ($millions) | 3.1965% | 5,527 |
| Cash dividends to net income (ytd only)* | 54.5228% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 5,348 |
| Loan loss allowance to noncurrent loans | 80.4878% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 2,916 |
| Noncurrent loans to loans | 1.2928% | 2,871 |
| Net loans and leases to total assets | 65.7790% | 2,605 |
| Net loans and leases to deposits | 76.3749% | 2,772 |
| Net loans and leases to core deposits | 83.5314% | 2,570 |
| Total domestic deposits to total assets | 86.1265% | 3,297 |
| Equity capital to assets | 13.3886% | 1,142 |
| Core capital (leverage) ratio | 12.6218% | 1,329 |
| Tier 1 risk-based capital ratio | 17.5645% | 2,461 |
| Total risk-based capital ratio | 18.5594% | 2,515 |
| Memoranda: | ||
| Average total assets | $638,435,000 | 1,067 |
| Average earning assets | $578,717,500 | 1,070 |
| Average equity | $85,199,000 | 862 |
| Average total loans | $428,243,000 | 1,032 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 373 |
| Cost of funding earning assets | 0.4267% | 4,358 |
| Net interest margin | 5.0554% | 285 |
| Noninterest income to average assets | 1.7056% | 502 |
| Noninterest expense to average assets | 3.7970% | 1,143 |
| Loan and lease loss provision to assets | 0.2364% | 1,528 |
| Net operating income to assets | 2.2415% | 230 |
| Return on assets (ROA) | 2.2439% | 234 |
| Pretax return on assets | 2.2439% | 292 |
| Return on Equity (ROE) | 17.3723% | 463 |
| Retained earnings to average equity (ytd only) | 12.1668% | 302 |
| Net charge-offs to loans | 0.4607% | 1,443 |
| Credit loss provision to net charge-offs | 77.7309% | 3,101 |
| Earnings coverage of net charge-offs (x) | 8.1467% | 2,722 |
| Efficiency ratio | 60.1218% | 5,452 |
| Assets per employee ($millions) | 3.0191% | 5,800 |
| Cash dividends to net income (ytd only)* | 29.9642% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 5,652 |
| Loan loss allowance to noncurrent loans | 62.9507% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.5622% | 2,381 |
| Noncurrent loans to loans | 1.5592% | 2,559 |
| Net loans and leases to total assets | 67.0390% | 2,512 |
| Net loans and leases to deposits | 78.7149% | 2,631 |
| Net loans and leases to core deposits | 86.9434% | 2,356 |
| Total domestic deposits to total assets | 85.1669% | 3,658 |
| Equity capital to assets | 13.2999% | 1,141 |
| Core capital (leverage) ratio | 12.3860% | 1,410 |
| Tier 1 risk-based capital ratio | 16.9755% | 2,619 |
| Total risk-based capital ratio | 17.8933% | 2,741 |
| Memoranda: | ||
| Average total assets | $623,012,200 | 1,070 |
| Average earning assets | $563,121,200 | 1,078 |
| Average equity | $80,473,000 | 888 |
| Average total loans | $411,301,200 | 1,033 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 447 |
| Cost of funding earning assets | 0.4395% | 4,385 |
| Net interest margin | 4.9603% | 341 |
| Noninterest income to average assets | 1.7877% | 487 |
| Noninterest expense to average assets | 3.7683% | 1,126 |
| Loan and lease loss provision to assets | 0.1469% | 2,441 |
| Net operating income to assets | 2.3543% | 203 |
| Return on assets (ROA) | 2.3556% | 213 |
| Pretax return on assets | 2.3556% | 295 |
| Return on Equity (ROE) | 18.3742% | 412 |
| Retained earnings to average equity (ytd only) | 11.6969% | 470 |
| Net charge-offs to loans | 0.1174% | 3,372 |
| Credit loss provision to net charge-offs | 190.8078% | 1,266 |
| Earnings coverage of net charge-offs (x) | 32.4906% | 1,170 |
| Efficiency ratio | 59.7154% | 5,472 |
| Assets per employee ($millions) | 3.0537% | 5,759 |
| Cash dividends to net income (ytd only)* | 36.3404% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,051 |
| Loan loss allowance to noncurrent loans | 63.8510% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.7444% | 2,352 |
| Noncurrent loans to loans | 1.8230% | 2,465 |
| Net loans and leases to total assets | 66.7452% | 2,509 |
| Net loans and leases to deposits | 77.2114% | 2,796 |
| Net loans and leases to core deposits | 85.1906% | 2,512 |
| Total domestic deposits to total assets | 86.4447% | 2,994 |
| Equity capital to assets | 12.9200% | 1,365 |
| Core capital (leverage) ratio | 12.0497% | 1,645 |
| Tier 1 risk-based capital ratio | 16.4417% | 2,967 |
| Total risk-based capital ratio | 17.5284% | 3,012 |
| Memoranda: | ||
| Average total assets | $621,772,000 | 1,081 |
| Average earning assets | $561,783,750 | 1,088 |
| Average equity | $79,711,250 | 906 |
| Average total loans | $407,836,500 | 1,047 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 513 |
| Cost of funding earning assets | 0.4529% | 4,405 |
| Net interest margin | 4.8600% | 394 |
| Noninterest income to average assets | 1.7422% | 550 |
| Noninterest expense to average assets | 3.7488% | 1,166 |
| Loan and lease loss provision to assets | 0.1712% | 2,196 |
| Net operating income to assets | 2.2123% | 251 |
| Return on assets (ROA) | 2.2123% | 266 |
| Pretax return on assets | 2.2123% | 404 |
| Return on Equity (ROE) | 17.3018% | 530 |
| Retained earnings to average equity (ytd only) | 7.2868% | 1,753 |
| Net charge-offs to loans | 0.0467% | 4,025 |
| Credit loss provision to net charge-offs | 564.8936% | 506 |
| Earnings coverage of net charge-offs (x) | 78.6489% | 576 |
| Efficiency ratio | 60.7329% | 5,375 |
| Assets per employee ($millions) | 3.0102% | 5,837 |
| Cash dividends to net income (ytd only)* | 57.8840% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 4,793 |
| Loan loss allowance to noncurrent loans | 62.5326% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 2,456 |
| Noncurrent loans to loans | 1.9791% | 2,429 |
| Net loans and leases to total assets | 64.7582% | 2,801 |
| Net loans and leases to deposits | 74.7013% | 3,052 |
| Net loans and leases to core deposits | 83.2817% | 2,657 |
| Total domestic deposits to total assets | 86.6895% | 3,005 |
| Equity capital to assets | 12.7297% | 1,450 |
| Core capital (leverage) ratio | 11.4737% | 1,951 |
| Tier 1 risk-based capital ratio | 16.0637% | 3,157 |
| Total risk-based capital ratio | 17.2120% | 3,155 |
| Memoranda: | ||
| Average total assets | $620,357,670 | 1,080 |
| Average earning assets | $560,368,670 | 1,092 |
| Average equity | $79,321,330 | 917 |
| Average total loans | $402,863,330 | 1,052 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 580 |
| Cost of funding earning assets | 0.4686% | 4,386 |
| Net interest margin | 4.7572% | 435 |
| Noninterest income to average assets | 1.6561% | 567 |
| Noninterest expense to average assets | 3.7622% | 1,161 |
| Loan and lease loss provision to assets | 0.2495% | 1,446 |
| Net operating income to assets | 1.9372% | 381 |
| Return on assets (ROA) | 1.9372% | 416 |
| Pretax return on assets | 1.9372% | 679 |
| Return on Equity (ROE) | 15.1170% | 741 |
| Retained earnings to average equity (ytd only) | 4.7539% | 3,386 |
| Net charge-offs to loans | 0.0628% | 3,190 |
| Credit loss provision to net charge-offs | 614.2857% | 444 |
| Earnings coverage of net charge-offs (x) | 53.8413% | 635 |
| Efficiency ratio | 62.8305% | 5,175 |
| Assets per employee ($millions) | 3.0650% | 5,884 |
| Cash dividends to net income (ytd only)* | 68.5524% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 5,005 |
| Loan loss allowance to noncurrent loans | 63.9412% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8552% | 2,537 |
| Noncurrent loans to loans | 1.9373% | 2,694 |
| Net loans and leases to total assets | 62.7247% | 2,936 |
| Net loans and leases to deposits | 72.2936% | 3,142 |
| Net loans and leases to core deposits | 80.0451% | 2,799 |
| Total domestic deposits to total assets | 86.7638% | 3,095 |
| Equity capital to assets | 12.7553% | 1,559 |
| Core capital (leverage) ratio | 11.2701% | 2,042 |
| Tier 1 risk-based capital ratio | 15.8888% | 3,327 |
| Total risk-based capital ratio | 17.0309% | 3,340 |
| Memoranda: | ||
| Average total assets | $620,481,500 | 1,094 |
| Average earning assets | $559,909,500 | 1,102 |
| Average equity | $79,513,000 | 924 |
| Average total loans | $400,993,000 | 1,058 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 783 |
| Cost of funding earning assets | 0.6078% | 4,269 |
| Net interest margin | 4.7765% | 564 |
| Noninterest income to average assets | 1.6938% | 565 |
| Noninterest expense to average assets | 3.8150% | 1,229 |
| Loan and lease loss provision to assets | 0.2343% | 2,795 |
| Net operating income to assets | 1.9524% | 392 |
| Return on assets (ROA) | 1.9524% | 431 |
| Pretax return on assets | 1.9524% | 671 |
| Return on Equity (ROE) | 16.2328% | 628 |
| Retained earnings to average equity (ytd only) | 10.3536% | 533 |
| Net charge-offs to loans | 0.3388% | 2,941 |
| Credit loss provision to net charge-offs | 109.4109% | 2,682 |
| Earnings coverage of net charge-offs (x) | 10.2096% | 2,161 |
| Efficiency ratio | 63.3137% | 5,012 |
| Assets per employee ($millions) | 2.9460% | 6,088 |
| Cash dividends to net income (ytd only)* | 36.2179% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,413 |
| Loan loss allowance to noncurrent loans | 65.2236% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.7937% | 2,720 |
| Noncurrent loans to loans | 1.7400% | 3,003 |
| Net loans and leases to total assets | 65.0118% | 2,716 |
| Net loans and leases to deposits | 76.4952% | 2,719 |
| Net loans and leases to core deposits | 84.2525% | 2,522 |
| Total domestic deposits to total assets | 84.9880% | 3,869 |
| Equity capital to assets | 12.8751% | 1,503 |
| Core capital (leverage) ratio | 11.3329% | 1,991 |
| Tier 1 risk-based capital ratio | 15.3649% | 3,503 |
| Total risk-based capital ratio | 16.4113% | 3,578 |
| Memoranda: | ||
| Average total assets | $610,222,600 | 1,087 |
| Average earning assets | $550,364,200 | 1,099 |
| Average equity | $73,394,800 | 963 |
| Average total loans | $385,759,800 | 1,083 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3179% | 971 |
| Cost of funding earning assets | 0.6342% | 4,324 |
| Net interest margin | 4.6837% | 692 |
| Noninterest income to average assets | 1.7536% | 510 |
| Noninterest expense to average assets | 3.8171% | 1,176 |
| Loan and lease loss provision to assets | 0.2302% | 2,750 |
| Net operating income to assets | 1.9341% | 422 |
| Return on assets (ROA) | 1.9341% | 485 |
| Pretax return on assets | 1.9341% | 807 |
| Return on Equity (ROE) | 16.3722% | 684 |
| Retained earnings to average equity (ytd only) | 8.7459% | 1,331 |
| Net charge-offs to loans | 0.3587% | 2,666 |
| Credit loss provision to net charge-offs | 102.5366% | 2,873 |
| Earnings coverage of net charge-offs (x) | 9.6420% | 2,293 |
| Efficiency ratio | 63.5791% | 4,877 |
| Assets per employee ($millions) | 2.9578% | 6,118 |
| Cash dividends to net income (ytd only)* | 46.5806% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,567 |
| Loan loss allowance to noncurrent loans | 56.8791% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 2,475 |
| Noncurrent loans to loans | 2.0000% | 2,841 |
| Net loans and leases to total assets | 63.8444% | 3,050 |
| Net loans and leases to deposits | 74.8470% | 3,166 |
| Net loans and leases to core deposits | 83.3805% | 2,765 |
| Total domestic deposits to total assets | 85.2998% | 3,618 |
| Equity capital to assets | 12.4562% | 1,921 |
| Core capital (leverage) ratio | 10.6637% | 2,744 |
| Tier 1 risk-based capital ratio | 14.8498% | 3,948 |
| Total risk-based capital ratio | 15.8841% | 4,059 |
| Memoranda: | ||
| Average total assets | $608,851,500 | 1,095 |
| Average earning assets | $549,577,000 | 1,115 |
| Average equity | $71,925,250 | 987 |
| Average total loans | $380,980,500 | 1,108 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 1,052 |
| Cost of funding earning assets | 0.6580% | 4,373 |
| Net interest margin | 4.6446% | 753 |
| Noninterest income to average assets | 1.7923% | 483 |
| Noninterest expense to average assets | 3.7985% | 1,218 |
| Loan and lease loss provision to assets | 0.2228% | 2,854 |
| Net operating income to assets | 1.9591% | 420 |
| Return on assets (ROA) | 1.9591% | 483 |
| Pretax return on assets | 1.9591% | 743 |
| Return on Equity (ROE) | 16.8930% | 653 |
| Retained earnings to average equity (ytd only) | 7.4462% | 1,900 |
| Net charge-offs to loans | 0.3615% | 2,564 |
| Credit loss provision to net charge-offs | 99.5588% | 2,791 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,132 |
| Efficiency ratio | 63.2842% | 5,031 |
| Assets per employee ($millions) | 2.9226% | 6,200 |
| Cash dividends to net income (ytd only)* | 55.9214% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 5,439 |
| Loan loss allowance to noncurrent loans | 61.1438% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.2289% | 2,513 |
| Noncurrent loans to loans | 1.9316% | 3,024 |
| Net loans and leases to total assets | 60.3487% | 3,758 |
| Net loans and leases to deposits | 70.1298% | 3,869 |
| Net loans and leases to core deposits | 79.3665% | 3,311 |
| Total domestic deposits to total assets | 86.0528% | 3,331 |
| Equity capital to assets | 11.7828% | 2,333 |
| Core capital (leverage) ratio | 10.1642% | 3,185 |
| Tier 1 risk-based capital ratio | 14.8806% | 3,849 |
| Total risk-based capital ratio | 15.9450% | 3,930 |
| Memoranda: | ||
| Average total assets | $607,715,670 | 1,098 |
| Average earning assets | $547,996,670 | 1,114 |
| Average equity | $70,479,000 | 997 |
| Average total loans | $376,177,000 | 1,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 1,303 |
| Cost of funding earning assets | 0.6888% | 4,380 |
| Net interest margin | 4.5177% | 979 |
| Noninterest income to average assets | 1.7462% | 500 |
| Noninterest expense to average assets | 3.8173% | 1,190 |
| Loan and lease loss provision to assets | 0.2174% | 2,762 |
| Net operating income to assets | 1.7787% | 624 |
| Return on assets (ROA) | 1.7787% | 702 |
| Pretax return on assets | 1.7787% | 1,127 |
| Return on Equity (ROE) | 15.4646% | 896 |
| Retained earnings to average equity (ytd only) | 10.3964% | 1,179 |
| Net charge-offs to loans | 0.5514% | 1,708 |
| Credit loss provision to net charge-offs | 63.2495% | 3,055 |
| Earnings coverage of net charge-offs (x) | 5.8085% | 2,299 |
| Efficiency ratio | 65.4356% | 4,664 |
| Assets per employee ($millions) | 2.9848% | 6,183 |
| Cash dividends to net income (ytd only)* | 32.7728% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,736 |
| Loan loss allowance to noncurrent loans | 47.0808% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.5352% | 2,335 |
| Noncurrent loans to loans | 2.4286% | 2,678 |
| Net loans and leases to total assets | 59.3456% | 3,800 |
| Net loans and leases to deposits | 68.5377% | 3,963 |
| Net loans and leases to core deposits | 77.5895% | 3,386 |
| Total domestic deposits to total assets | 86.5883% | 3,181 |
| Equity capital to assets | 11.3396% | 2,590 |
| Core capital (leverage) ratio | 10.2615% | 3,044 |
| Tier 1 risk-based capital ratio | 14.8096% | 3,884 |
| Total risk-based capital ratio | 15.8388% | 3,991 |
| Memoranda: | ||
| Average total assets | $601,779,500 | 1,107 |
| Average earning assets | $541,781,000 | 1,125 |
| Average equity | $69,216,000 | 1,010 |
| Average total loans | $375,074,500 | 1,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 989 |
| Cost of funding earning assets | 0.8688% | 4,330 |
| Net interest margin | 4.7139% | 729 |
| Noninterest income to average assets | 1.8449% | 430 |
| Noninterest expense to average assets | 3.9654% | 1,092 |
| Loan and lease loss provision to assets | 0.2773% | 3,449 |
| Net operating income to assets | 1.8504% | 424 |
| Return on assets (ROA) | 1.9615% | 353 |
| Pretax return on assets | 1.9615% | 574 |
| Return on Equity (ROE) | 18.7089% | 335 |
| Retained earnings to average equity (ytd only) | 8.7064% | 877 |
| Net charge-offs to loans | 0.3101% | 3,848 |
| Credit loss provision to net charge-offs | 137.0497% | 2,174 |
| Earnings coverage of net charge-offs (x) | 10.5154% | 1,828 |
| Efficiency ratio | 64.8144% | 4,980 |
| Assets per employee ($millions) | 2.7607% | 6,517 |
| Cash dividends to net income (ytd only)* | 53.4637% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 5,440 |
| Loan loss allowance to noncurrent loans | 59.6903% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.5815% | 2,354 |
| Noncurrent loans to loans | 1.9944% | 3,213 |
| Net loans and leases to total assets | 64.0262% | 3,189 |
| Net loans and leases to deposits | 74.4974% | 3,415 |
| Net loans and leases to core deposits | 84.6954% | 2,784 |
| Total domestic deposits to total assets | 85.9442% | 3,353 |
| Equity capital to assets | 11.6765% | 2,356 |
| Core capital (leverage) ratio | 10.3049% | 2,965 |
| Tier 1 risk-based capital ratio | 14.3161% | 4,096 |
| Total risk-based capital ratio | 15.3859% | 4,181 |
| Memoranda: | ||
| Average total assets | $576,241,600 | 1,142 |
| Average earning assets | $519,318,000 | 1,151 |
| Average equity | $60,415,000 | 1,116 |
| Average total loans | $376,029,800 | 1,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 1,057 |
| Cost of funding earning assets | 0.9022% | 4,379 |
| Net interest margin | 4.6873% | 782 |
| Noninterest income to average assets | 1.8585% | 428 |
| Noninterest expense to average assets | 3.9067% | 1,140 |
| Loan and lease loss provision to assets | 0.2797% | 3,282 |
| Net operating income to assets | 1.8993% | 423 |
| Return on assets (ROA) | 2.0450% | 340 |
| Pretax return on assets | 2.0450% | 577 |
| Return on Equity (ROE) | 20.0807% | 310 |
| Retained earnings to average equity (ytd only) | 6.8240% | 2,062 |
| Net charge-offs to loans | 0.2570% | 3,826 |
| Credit loss provision to net charge-offs | 166.4828% | 1,830 |
| Earnings coverage of net charge-offs (x) | 12.9697% | 1,655 |
| Efficiency ratio | 63.9365% | 5,082 |
| Assets per employee ($millions) | 2.7658% | 6,549 |
| Cash dividends to net income (ytd only)* | 66.0170% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 5,385 |
| Loan loss allowance to noncurrent loans | 64.3976% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 2,587 |
| Noncurrent loans to loans | 1.8985% | 3,505 |
| Net loans and leases to total assets | 62.6039% | 3,586 |
| Net loans and leases to deposits | 72.3466% | 3,932 |
| Net loans and leases to core deposits | 82.3886% | 3,267 |
| Total domestic deposits to total assets | 86.5333% | 2,916 |
| Equity capital to assets | 11.1304% | 3,021 |
| Core capital (leverage) ratio | 10.0403% | 3,379 |
| Tier 1 risk-based capital ratio | 14.0507% | 4,321 |
| Total risk-based capital ratio | 15.1544% | 4,379 |
| Memoranda: | ||
| Average total assets | $575,367,250 | 1,156 |
| Average earning assets | $518,891,250 | 1,164 |
| Average equity | $58,595,500 | 1,157 |
| Average total loans | $376,123,000 | 1,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 1,043 |
| Cost of funding earning assets | 0.9424% | 4,377 |
| Net interest margin | 4.6759% | 771 |
| Noninterest income to average assets | 1.8029% | 418 |
| Noninterest expense to average assets | 3.9268% | 1,148 |
| Loan and lease loss provision to assets | 0.2881% | 3,082 |
| Net operating income to assets | 1.8095% | 492 |
| Return on assets (ROA) | 1.9168% | 421 |
| Pretax return on assets | 1.9168% | 680 |
| Return on Equity (ROE) | 19.4348% | 350 |
| Retained earnings to average equity (ytd only) | 2.7304% | 4,549 |
| Net charge-offs to loans | 0.1539% | 4,258 |
| Credit loss provision to net charge-offs | 283.5052% | 1,079 |
| Earnings coverage of net charge-offs (x) | 20.6392% | 1,183 |
| Efficiency ratio | 64.9371% | 5,073 |
| Assets per employee ($millions) | 2.7072% | 6,631 |
| Cash dividends to net income (ytd only)* | 85.9512% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,459 |
| Loan loss allowance to noncurrent loans | 44.9843% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.7134% | 2,463 |
| Noncurrent loans to loans | 2.7140% | 2,678 |
| Net loans and leases to total assets | 64.4815% | 3,361 |
| Net loans and leases to deposits | 73.9632% | 3,812 |
| Net loans and leases to core deposits | 84.1952% | 3,182 |
| Total domestic deposits to total assets | 87.1805% | 2,636 |
| Equity capital to assets | 10.4946% | 3,512 |
| Core capital (leverage) ratio | 9.5111% | 3,941 |
| Tier 1 risk-based capital ratio | 13.5665% | 4,480 |
| Total risk-based capital ratio | 14.6887% | 4,565 |
| Memoranda: | ||
| Average total assets | $572,631,670 | 1,166 |
| Average earning assets | $516,989,670 | 1,179 |
| Average equity | $56,476,000 | 1,182 |
| Average total loans | $378,210,000 | 1,155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 1,210 |
| Cost of funding earning assets | 0.9805% | 4,349 |
| Net interest margin | 4.5560% | 945 |
| Noninterest income to average assets | 1.8448% | 414 |
| Noninterest expense to average assets | 3.7763% | 1,380 |
| Loan and lease loss provision to assets | 0.3084% | 2,697 |
| Net operating income to assets | 1.8805% | 421 |
| Return on assets (ROA) | 2.0952% | 314 |
| Pretax return on assets | 2.0952% | 476 |
| Return on Equity (ROE) | 21.9495% | 246 |
| Retained earnings to average equity (ytd only) | -5.0991% | 6,524 |
| Net charge-offs to loans | 0.1547% | 3,561 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 21.2925% | 1,087 |
| Efficiency ratio | 63.0598% | 5,514 |
| Assets per employee ($millions) | 2.8433% | 6,457 |
| Cash dividends to net income (ytd only)* | 123.2310% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,880 |
| Loan loss allowance to noncurrent loans | 52.0163% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.3561% | 2,890 |
| Noncurrent loans to loans | 2.1957% | 3,325 |
| Net loans and leases to total assets | 63.7377% | 3,491 |
| Net loans and leases to deposits | 73.5348% | 3,841 |
| Net loans and leases to core deposits | 84.5857% | 3,087 |
| Total domestic deposits to total assets | 86.6770% | 3,131 |
| Equity capital to assets | 9.3938% | 4,584 |
| Core capital (leverage) ratio | 9.4443% | 3,894 |
| Tier 1 risk-based capital ratio | 13.2760% | 4,598 |
| Total risk-based capital ratio | 14.3453% | 4,732 |
| Memoranda: | ||
| Average total assets | $571,981,500 | 1,175 |
| Average earning assets | $517,298,500 | 1,186 |
| Average equity | $54,598,000 | 1,223 |
| Average total loans | $379,988,000 | 1,161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 1,145 |
| Cost of funding earning assets | 1.1257% | 4,994 |
| Net interest margin | 4.7269% | 772 |
| Noninterest income to average assets | 2.1025% | 365 |
| Noninterest expense to average assets | 4.0492% | 1,095 |
| Loan and lease loss provision to assets | 0.4069% | 3,671 |
| Net operating income to assets | 1.8953% | 343 |
| Return on assets (ROA) | 1.9429% | 327 |
| Pretax return on assets | 1.9429% | 551 |
| Return on Equity (ROE) | 19.2105% | 303 |
| Retained earnings to average equity (ytd only) | 7.8769% | 1,019 |
| Net charge-offs to loans | 0.4521% | 3,806 |
| Credit loss provision to net charge-offs | 127.8547% | 3,145 |
| Earnings coverage of net charge-offs (x) | 7.2347% | 2,171 |
| Efficiency ratio | 63.4585% | 5,435 |
| Assets per employee ($millions) | 2.7770% | 6,553 |
| Cash dividends to net income (ytd only)* | 58.9969% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 6,102 |
| Loan loss allowance to noncurrent loans | 42.7378% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 2,465 |
| Noncurrent loans to loans | 2.4843% | 3,041 |
| Net loans and leases to total assets | 67.7827% | 3,035 |
| Net loans and leases to deposits | 78.7031% | 3,389 |
| Net loans and leases to core deposits | 90.8019% | 2,646 |
| Total domestic deposits to total assets | 86.1247% | 3,290 |
| Equity capital to assets | 9.7061% | 4,120 |
| Core capital (leverage) ratio | 9.7861% | 3,334 |
| Tier 1 risk-based capital ratio | 13.1271% | 4,504 |
| Total risk-based capital ratio | 14.1003% | 4,696 |
| Memoranda: | ||
| Average total assets | $544,916,000 | 1,230 |
| Average earning assets | $489,811,200 | 1,257 |
| Average equity | $55,110,600 | 1,210 |
| Average total loans | $383,507,000 | 1,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8297% | 1,312 |
| Cost of funding earning assets | 1.1519% | 5,135 |
| Net interest margin | 4.6778% | 885 |
| Noninterest income to average assets | 2.1026% | 351 |
| Noninterest expense to average assets | 4.0875% | 946 |
| Loan and lease loss provision to assets | 0.3789% | 3,615 |
| Net operating income to assets | 1.8368% | 461 |
| Return on assets (ROA) | 1.8894% | 463 |
| Pretax return on assets | 1.8894% | 785 |
| Return on Equity (ROE) | 18.4915% | 435 |
| Retained earnings to average equity (ytd only) | 4.5982% | 3,264 |
| Net charge-offs to loans | 0.3477% | 3,916 |
| Credit loss provision to net charge-offs | 153.7924% | 2,504 |
| Earnings coverage of net charge-offs (x) | 8.9940% | 2,082 |
| Efficiency ratio | 64.5434% | 5,139 |
| Assets per employee ($millions) | 2.7730% | 6,641 |
| Cash dividends to net income (ytd only)* | 75.1333% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 6,050 |
| Loan loss allowance to noncurrent loans | 41.0709% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.7169% | 2,665 |
| Noncurrent loans to loans | 2.6146% | 3,007 |
| Net loans and leases to total assets | 68.0368% | 3,206 |
| Net loans and leases to deposits | 79.9626% | 3,458 |
| Net loans and leases to core deposits | 92.6400% | 2,705 |
| Total domestic deposits to total assets | 85.0859% | 3,580 |
| Equity capital to assets | 10.5411% | 3,475 |
| Core capital (leverage) ratio | 9.4683% | 3,949 |
| Tier 1 risk-based capital ratio | 12.8094% | 4,728 |
| Total risk-based capital ratio | 13.8173% | 4,900 |
| Memoranda: | ||
| Average total assets | $542,296,250 | 1,252 |
| Average earning assets | $486,964,750 | 1,278 |
| Average equity | $55,411,500 | 1,202 |
| Average total loans | $384,258,250 | 1,189 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8253% | 1,360 |
| Cost of funding earning assets | 1.1778% | 5,248 |
| Net interest margin | 4.6475% | 899 |
| Noninterest income to average assets | 2.0561% | 342 |
| Noninterest expense to average assets | 4.1286% | 881 |
| Loan and lease loss provision to assets | 0.3776% | 3,448 |
| Net operating income to assets | 1.7232% | 564 |
| Return on assets (ROA) | 1.7901% | 544 |
| Pretax return on assets | 1.7901% | 905 |
| Return on Equity (ROE) | 17.7112% | 493 |
| Retained earnings to average equity (ytd only) | 11.0929% | 637 |
| Net charge-offs to loans | 0.3993% | 3,381 |
| Credit loss provision to net charge-offs | 132.1196% | 3,048 |
| Earnings coverage of net charge-offs (x) | 7.3511% | 2,312 |
| Efficiency ratio | 65.9786% | 4,984 |
| Assets per employee ($millions) | 2.7213% | 6,745 |
| Cash dividends to net income (ytd only)* | 37.3677% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 6,442 |
| Loan loss allowance to noncurrent loans | 38.5762% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.7839% | 2,599 |
| Noncurrent loans to loans | 2.5707% | 3,073 |
| Net loans and leases to total assets | 69.7792% | 2,958 |
| Net loans and leases to deposits | 82.5479% | 3,174 |
| Net loans and leases to core deposits | 94.0027% | 2,710 |
| Total domestic deposits to total assets | 84.5318% | 3,850 |
| Equity capital to assets | 10.2913% | 3,661 |
| Core capital (leverage) ratio | 9.8420% | 3,350 |
| Tier 1 risk-based capital ratio | 13.1394% | 4,328 |
| Total risk-based capital ratio | 14.0801% | 4,540 |
| Memoranda: | ||
| Average total assets | $538,194,670 | 1,265 |
| Average earning assets | $483,269,000 | 1,288 |
| Average equity | $54,395,000 | 1,220 |
| Average total loans | $385,201,330 | 1,194 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7656% | 1,574 |
| Cost of funding earning assets | 1.2199% | 5,283 |
| Net interest margin | 4.5456% | 1,054 |
| Noninterest income to average assets | 1.9359% | 356 |
| Noninterest expense to average assets | 4.1647% | 842 |
| Loan and lease loss provision to assets | 0.3745% | 3,125 |
| Net operating income to assets | 1.4740% | 937 |
| Return on assets (ROA) | 1.6025% | 801 |
| Pretax return on assets | 1.6025% | 1,257 |
| Return on Equity (ROE) | 16.0040% | 720 |
| Retained earnings to average equity (ytd only) | 11.5253% | 827 |
| Net charge-offs to loans | 0.3109% | 3,175 |
| Credit loss provision to net charge-offs | 167.0000% | 2,174 |
| Earnings coverage of net charge-offs (x) | 8.2433% | 1,977 |
| Efficiency ratio | 68.9248% | 4,519 |
| Assets per employee ($millions) | 2.7074% | 6,854 |
| Cash dividends to net income (ytd only)* | 27.9851% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,540 |
| Loan loss allowance to noncurrent loans | 44.2170% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.8994% | 2,472 |
| Noncurrent loans to loans | 2.2291% | 3,486 |
| Net loans and leases to total assets | 70.0716% | 2,920 |
| Net loans and leases to deposits | 82.7294% | 3,156 |
| Net loans and leases to core deposits | 94.6553% | 2,753 |
| Total domestic deposits to total assets | 84.6998% | 3,810 |
| Equity capital to assets | 10.0984% | 3,750 |
| Core capital (leverage) ratio | 9.7069% | 3,514 |
| Tier 1 risk-based capital ratio | 12.9281% | 4,389 |
| Total risk-based capital ratio | 13.8692% | 4,589 |
| Memoranda: | ||
| Average total assets | $535,160,000 | 1,305 |
| Average earning assets | $480,020,500 | 1,332 |
| Average equity | $53,586,500 | 1,247 |
| Average total loans | $386,008,500 | 1,227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3609% | 907 |
| Cost of funding earning assets | 1.5512% | 5,274 |
| Net interest margin | 4.8097% | 679 |
| Noninterest income to average assets | 2.0125% | 370 |
| Noninterest expense to average assets | 4.1223% | 1,192 |
| Loan and lease loss provision to assets | 0.5611% | 3,568 |
| Net operating income to assets | 1.6896% | 456 |
| Return on assets (ROA) | 1.7126% | 458 |
| Pretax return on assets | 1.7126% | 756 |
| Return on Equity (ROE) | 18.1592% | 354 |
| Retained earnings to average equity (ytd only) | 8.5698% | 575 |
| Net charge-offs to loans | 0.7484% | 2,955 |
| Credit loss provision to net charge-offs | 96.5280% | 5,755 |
| Earnings coverage of net charge-offs (x) | 3.8719% | 3,159 |
| Efficiency ratio | 64.1432% | 5,751 |
| Assets per employee ($millions) | 2.6314% | 6,979 |
| Cash dividends to net income (ytd only)* | 52.8071% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 6,770 |
| Loan loss allowance to noncurrent loans | 33.6805% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 2,442 |
| Noncurrent loans to loans | 2.7029% | 2,850 |
| Net loans and leases to total assets | 72.8393% | 2,547 |
| Net loans and leases to deposits | 86.2298% | 2,873 |
| Net loans and leases to core deposits | 123.7572% | 1,654 |
| Total domestic deposits to total assets | 84.4711% | 3,809 |
| Equity capital to assets | 9.9268% | 3,867 |
| Core capital (leverage) ratio | 9.4999% | 3,721 |
| Tier 1 risk-based capital ratio | 12.0423% | 4,915 |
| Total risk-based capital ratio | 12.8975% | 5,204 |
| Memoranda: | ||
| Average total assets | $525,219,200 | 1,309 |
| Average earning assets | $476,159,800 | 1,325 |
| Average equity | $49,534,200 | 1,358 |
| Average total loans | $407,945,800 | 1,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4119% | 907 |
| Cost of funding earning assets | 1.6262% | 5,281 |
| Net interest margin | 4.7857% | 706 |
| Noninterest income to average assets | 2.0515% | 349 |
| Noninterest expense to average assets | 4.2260% | 1,007 |
| Loan and lease loss provision to assets | 0.4886% | 3,459 |
| Net operating income to assets | 1.6874% | 576 |
| Return on assets (ROA) | 1.7182% | 572 |
| Pretax return on assets | 1.7182% | 938 |
| Return on Equity (ROE) | 18.4646% | 410 |
| Retained earnings to average equity (ytd only) | 11.6238% | 389 |
| Net charge-offs to loans | 0.6219% | 2,811 |
| Credit loss provision to net charge-offs | 99.7920% | 5,129 |
| Earnings coverage of net charge-offs (x) | 4.4441% | 3,134 |
| Efficiency ratio | 65.4337% | 5,467 |
| Assets per employee ($millions) | 2.6756% | 6,900 |
| Cash dividends to net income (ytd only)* | 37.0480% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 6,687 |
| Loan loss allowance to noncurrent loans | 34.0752% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.8431% | 2,446 |
| Noncurrent loans to loans | 2.6890% | 2,820 |
| Net loans and leases to total assets | 74.6886% | 2,316 |
| Net loans and leases to deposits | 88.2896% | 2,907 |
| Net loans and leases to core deposits | 127.8835% | 1,590 |
| Total domestic deposits to total assets | 84.5950% | 3,432 |
| Equity capital to assets | 10.1333% | 3,926 |
| Core capital (leverage) ratio | 9.6249% | 3,750 |
| Tier 1 risk-based capital ratio | 12.2512% | 4,746 |
| Total risk-based capital ratio | 13.1466% | 5,003 |
| Memoranda: | ||
| Average total assets | $523,636,250 | 1,329 |
| Average earning assets | $476,018,750 | 1,345 |
| Average equity | $48,726,250 | 1,401 |
| Average total loans | $412,248,500 | 1,187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4584% | 902 |
| Cost of funding earning assets | 1.7052% | 5,244 |
| Net interest margin | 4.7533% | 724 |
| Noninterest income to average assets | 1.9694% | 386 |
| Noninterest expense to average assets | 4.2225% | 1,045 |
| Loan and lease loss provision to assets | 0.4444% | 3,318 |
| Net operating income to assets | 1.6292% | 646 |
| Return on assets (ROA) | 1.6756% | 646 |
| Pretax return on assets | 1.6756% | 1,066 |
| Return on Equity (ROE) | 18.5665% | 441 |
| Retained earnings to average equity (ytd only) | 10.9190% | 578 |
| Net charge-offs to loans | 0.7082% | 2,284 |
| Credit loss provision to net charge-offs | 78.5763% | 5,237 |
| Earnings coverage of net charge-offs (x) | 3.6664% | 3,350 |
| Efficiency ratio | 66.5043% | 5,456 |
| Assets per employee ($millions) | 2.5481% | 7,150 |
| Cash dividends to net income (ytd only)* | 41.1899% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 7,108 |
| Loan loss allowance to noncurrent loans | 26.5403% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 2.8427% | 2,252 |
| Noncurrent loans to loans | 3.0615% | 2,342 |
| Net loans and leases to total assets | 78.2170% | 1,695 |
| Net loans and leases to deposits | 91.4688% | 2,574 |
| Net loans and leases to core deposits | 130.7628% | 1,498 |
| Total domestic deposits to total assets | 85.5122% | 3,012 |
| Equity capital to assets | 9.2464% | 4,942 |
| Core capital (leverage) ratio | 9.2172% | 4,282 |
| Tier 1 risk-based capital ratio | 11.5708% | 5,308 |
| Total risk-based capital ratio | 12.3708% | 5,666 |
| Memoranda: | ||
| Average total assets | $521,591,670 | 1,356 |
| Average earning assets | $474,789,330 | 1,365 |
| Average equity | $47,074,000 | 1,466 |
| Average total loans | $416,552,330 | 1,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5425% | 799 |
| Cost of funding earning assets | 1.7776% | 5,224 |
| Net interest margin | 4.7649% | 661 |
| Noninterest income to average assets | 1.9140% | 391 |
| Noninterest expense to average assets | 4.1787% | 965 |
| Loan and lease loss provision to assets | 0.3361% | 3,304 |
| Net operating income to assets | 1.7398% | 596 |
| Return on assets (ROA) | 1.8327% | 555 |
| Pretax return on assets | 1.8327% | 920 |
| Return on Equity (ROE) | 20.5590% | 384 |
| Retained earnings to average equity (ytd only) | 13.6715% | 544 |
| Net charge-offs to loans | 0.6570% | 1,871 |
| Credit loss provision to net charge-offs | 63.6628% | 4,463 |
| Earnings coverage of net charge-offs (x) | 3.9317% | 3,025 |
| Efficiency ratio | 66.4294% | 5,249 |
| Assets per employee ($millions) | 2.5439% | 7,197 |
| Cash dividends to net income (ytd only)* | 33.5008% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 7,071 |
| Loan loss allowance to noncurrent loans | 32.6603% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2143% | 2,581 |
| Noncurrent loans to loans | 2.5215% | 2,615 |
| Net loans and leases to total assets | 78.8142% | 1,621 |
| Net loans and leases to deposits | 92.0260% | 2,600 |
| Net loans and leases to core deposits | 133.6043% | 1,436 |
| Total domestic deposits to total assets | 85.6434% | 2,903 |
| Equity capital to assets | 8.9972% | 5,350 |
| Core capital (leverage) ratio | 9.0759% | 4,589 |
| Tier 1 risk-based capital ratio | 11.0580% | 5,850 |
| Total risk-based capital ratio | 11.8542% | 6,207 |
| Memoranda: | ||
| Average total assets | $521,209,500 | 1,358 |
| Average earning assets | $474,806,500 | 1,371 |
| Average equity | $46,461,500 | 1,491 |
| Average total loans | $418,869,500 | 1,209 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6964% | 280 |
| Cost of funding earning assets | 2.2992% | 5,152 |
| Net interest margin | 5.3972% | 239 |
| Noninterest income to average assets | 2.0729% | 328 |
| Noninterest expense to average assets | 4.2215% | 1,128 |
| Loan and lease loss provision to assets | 0.3397% | 3,675 |
| Net operating income to assets | 2.4174% | 151 |
| Return on assets (ROA) | 2.4796% | 134 |
| Pretax return on assets | 2.4796% | 207 |
| Return on Equity (ROE) | 26.7975% | 103 |
| Retained earnings to average equity (ytd only) | 13.8331% | 124 |
| Net charge-offs to loans | 0.3424% | 3,118 |
| Credit loss provision to net charge-offs | 125.8015% | 4,243 |
| Earnings coverage of net charge-offs (x) | 10.2107% | 2,556 |
| Efficiency ratio | 60.4927% | 6,259 |
| Assets per employee ($millions) | 2.4805% | 7,238 |
| Cash dividends to net income (ytd only)* | 48.3791% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,827 |
| Loan loss allowance to noncurrent loans | 46.4966% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 2,865 |
| Noncurrent loans to loans | 1.8611% | 2,970 |
| Net loans and leases to total assets | 80.5590% | 1,535 |
| Net loans and leases to deposits | 95.4591% | 2,537 |
| Net loans and leases to core deposits | 139.5776% | 1,290 |
| Total domestic deposits to total assets | 84.3912% | 3,134 |
| Equity capital to assets | 8.8311% | 5,601 |
| Core capital (leverage) ratio | 9.1093% | 4,583 |
| Tier 1 risk-based capital ratio | 10.5994% | 6,102 |
| Total risk-based capital ratio | 11.4472% | 6,386 |
| Memoranda: | ||
| Average total assets | $485,154,600 | 1,411 |
| Average earning assets | $440,971,600 | 1,413 |
| Average equity | $44,892,200 | 1,505 |
| Average total loans | $382,541,400 | 1,266 |