Home > Bank of Cleveland > Performance and Condition Ratios
Bank of Cleveland, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3262% | 1,445 |
| Cost of funding earning assets | 0.8875% | 3,545 |
| Net interest margin | 4.4388% | 669 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.4589% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9933% | 475 |
| Return on assets (ROA) | 1.9933% | 458 |
| Pretax return on assets | 2.4942% | 343 |
| Return on Equity (ROE) | 12.9400% | 1,742 |
| Retained earnings to average equity (ytd only) | 7.0745% | 1,874 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.6436% | 4,004 |
| Assets per employee ($millions) | 6.0865% | 2,746 |
| Cash dividends to net income (ytd only)* | 45.3214% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 2,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,472 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.9900% | 1,705 |
| Net loans and leases to deposits | 87.2196% | 1,516 |
| Net loans and leases to core deposits | 90.5275% | 2,013 |
| Total domestic deposits to total assets | 81.3900% | 3,240 |
| Equity capital to assets | 15.8904% | 471 |
| Core capital (leverage) ratio | 17.3106% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4222% | 359 |
| Memoranda: | ||
| Average total assets | $359,758,200 | 2,161 |
| Average earning assets | $339,621,800 | 2,126 |
| Average equity | $55,424,400 | 1,479 |
| Average total loans | $254,988,200 | 1,977 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 1,413 |
| Cost of funding earning assets | 0.8025% | 3,507 |
| Net interest margin | 4.4206% | 684 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.4754% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0386% | 477 |
| Return on assets (ROA) | 2.0386% | 469 |
| Pretax return on assets | 2.5516% | 360 |
| Return on Equity (ROE) | 13.3400% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.2540% | 2,212 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.2415% | 3,968 |
| Assets per employee ($millions) | 5.8016% | 2,925 |
| Cash dividends to net income (ytd only)* | 45.6204% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,623 |
| Loan loss allowance to noncurrent loans | 4,609.3750% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,377 |
| Noncurrent loans to loans | 0.0249% | 3,591 |
| Net loans and leases to total assets | 71.6700% | 1,619 |
| Net loans and leases to deposits | 87.9207% | 1,394 |
| Net loans and leases to core deposits | 90.9988% | 1,855 |
| Total domestic deposits to total assets | 81.5200% | 3,304 |
| Equity capital to assets | 15.6412% | 477 |
| Core capital (leverage) ratio | 17.3014% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8754% | 440 |
| Memoranda: | ||
| Average total assets | $358,400,750 | 2,171 |
| Average earning assets | $338,253,000 | 2,141 |
| Average equity | $54,773,000 | 1,482 |
| Average total loans | $253,185,500 | 1,986 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 1,425 |
| Cost of funding earning assets | 0.7065% | 3,469 |
| Net interest margin | 4.3596% | 741 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.4362% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8288% | 625 |
| Return on assets (ROA) | 1.8288% | 623 |
| Pretax return on assets | 2.2867% | 475 |
| Return on Equity (ROE) | 12.0600% | 2,139 |
| Retained earnings to average equity (ytd only) | 6.1965% | 2,549 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.5825% | 3,809 |
| Assets per employee ($millions) | 5.7878% | 2,895 |
| Cash dividends to net income (ytd only)* | 48.6174% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,583 |
| Loan loss allowance to noncurrent loans | 4,838.7097% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,287 |
| Noncurrent loans to loans | 0.0242% | 3,587 |
| Net loans and leases to total assets | 71.6700% | 1,569 |
| Net loans and leases to deposits | 87.8255% | 1,357 |
| Net loans and leases to core deposits | 90.6010% | 1,756 |
| Total domestic deposits to total assets | 81.6100% | 3,311 |
| Equity capital to assets | 15.6277% | 473 |
| Core capital (leverage) ratio | 16.8486% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5961% | 329 |
| Memoranda: | ||
| Average total assets | $359,901,333 | 2,167 |
| Average earning assets | $339,712,000 | 2,143 |
| Average equity | $54,579,333 | 1,491 |
| Average total loans | $252,046,667 | 1,994 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 1,433 |
| Cost of funding earning assets | 0.6030% | 3,376 |
| Net interest margin | 4.2860% | 823 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.3769% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7967% | 678 |
| Return on assets (ROA) | 1.7967% | 669 |
| Pretax return on assets | 2.2481% | 529 |
| Return on Equity (ROE) | 12.0300% | 2,210 |
| Retained earnings to average equity (ytd only) | 3.9203% | 3,292 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.3925% | 3,825 |
| Assets per employee ($millions) | 5.8607% | 2,886 |
| Cash dividends to net income (ytd only)* | 67.4020% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,529 |
| Loan loss allowance to noncurrent loans | 4,761.9048% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,233 |
| Noncurrent loans to loans | 0.0253% | 3,587 |
| Net loans and leases to total assets | 68.8700% | 1,741 |
| Net loans and leases to deposits | 84.0877% | 1,492 |
| Net loans and leases to core deposits | 89.1066% | 1,671 |
| Total domestic deposits to total assets | 81.9000% | 3,499 |
| Equity capital to assets | 15.2600% | 457 |
| Core capital (leverage) ratio | 16.6433% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6555% | 323 |
| Memoranda: | ||
| Average total assets | $363,325,500 | 2,185 |
| Average earning assets | $342,974,000 | 2,162 |
| Average equity | $54,282,000 | 1,507 |
| Average total loans | $250,052,500 | 2,028 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 964 |
| Cost of funding earning assets | 0.2672% | 3,183 |
| Net interest margin | 4.0854% | 679 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4558% | 2,253 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 1.7861% | 457 |
| Return on assets (ROA) | 1.7861% | 437 |
| Pretax return on assets | 2.2390% | 294 |
| Return on Equity (ROE) | 11.9500% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.6009% | 1,281 |
| Net charge-offs to loans | -0.3136% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.4768% | 3,748 |
| Assets per employee ($millions) | 6.0516% | 2,718 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 1,661 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 67.2900% | 1,904 |
| Net loans and leases to deposits | 81.2974% | 1,671 |
| Net loans and leases to core deposits | 85.3059% | 1,795 |
| Total domestic deposits to total assets | 82.7700% | 3,467 |
| Equity capital to assets | 14.6307% | 514 |
| Core capital (leverage) ratio | 16.1816% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8161% | 339 |
| Memoranda: | ||
| Average total assets | $355,522,400 | 2,201 |
| Average earning assets | $337,245,800 | 2,167 |
| Average equity | $53,119,800 | 1,539 |
| Average total loans | $226,089,200 | 2,077 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 976 |
| Cost of funding earning assets | 0.2101% | 3,145 |
| Net interest margin | 3.9405% | 719 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.4616% | 2,120 |
| Loan and lease loss provision to assets | -0.2500% | 4,693 |
| Net operating income to assets | 1.6540% | 591 |
| Return on assets (ROA) | 1.6540% | 574 |
| Pretax return on assets | 2.2235% | 309 |
| Return on Equity (ROE) | 11.0100% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.7494% | 1,417 |
| Net charge-offs to loans | -0.4299% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.5214% | 3,673 |
| Assets per employee ($millions) | 5.9199% | 2,830 |
| Cash dividends to net income (ytd only)* | 11.4469% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,067 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 1,911 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.8200% | 2,312 |
| Net loans and leases to deposits | 73.9739% | 2,050 |
| Net loans and leases to core deposits | 75.3893% | 2,246 |
| Total domestic deposits to total assets | 83.5700% | 3,591 |
| Equity capital to assets | 14.2147% | 542 |
| Core capital (leverage) ratio | 15.8814% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7312% | 295 |
| Memoranda: | ||
| Average total assets | $352,116,000 | 2,231 |
| Average earning assets | $334,396,500 | 2,193 |
| Average equity | $52,897,500 | 1,566 |
| Average total loans | $219,888,500 | 2,110 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 982 |
| Cost of funding earning assets | 0.1802% | 3,179 |
| Net interest margin | 3.7896% | 770 |
| Noninterest income to average assets | 0.7035% | 1,323 |
| Noninterest expense to average assets | 2.4791% | 2,000 |
| Loan and lease loss provision to assets | -0.2898% | 4,720 |
| Net operating income to assets | 1.5717% | 586 |
| Return on assets (ROA) | 1.5717% | 574 |
| Pretax return on assets | 2.1127% | 285 |
| Return on Equity (ROE) | 10.2674% | 2,238 |
| Retained earnings to average equity (ytd only) | 10.2674% | 954 |
| Net charge-offs to loans | -0.4134% | 4,678 |
| Credit loss provision to net charge-offs | 112.2768% | 1,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6269% | 3,611 |
| Assets per employee ($millions) | 5.8440% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,172 |
| Loan loss allowance to noncurrent loans | 779.2208% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,571 |
| Noncurrent loans to loans | 0.1409% | 3,000 |
| Net loans and leases to total assets | 60.6575% | 2,253 |
| Net loans and leases to deposits | 72.9769% | 1,958 |
| Net loans and leases to core deposits | 74.3070% | 2,146 |
| Total domestic deposits to total assets | 83.1188% | 3,859 |
| Equity capital to assets | 14.7170% | 436 |
| Core capital (leverage) ratio | 16.0867% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1448% | 268 |
| Memoranda: | ||
| Average total assets | $347,142,667 | 2,256 |
| Average earning assets | $329,641,000 | 2,230 |
| Average equity | $53,139,000 | 1,606 |
| Average total loans | $216,714,000 | 2,134 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 1,517 |
| Cost of funding earning assets | 0.1635% | 3,318 |
| Net interest margin | 3.4318% | 1,231 |
| Noninterest income to average assets | 0.6938% | 1,334 |
| Noninterest expense to average assets | 2.5053% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0804% | 1,578 |
| Return on assets (ROA) | 1.0804% | 1,578 |
| Pretax return on assets | 1.4483% | 1,132 |
| Return on Equity (ROE) | 6.9189% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.9189% | 1,913 |
| Net charge-offs to loans | -0.0148% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3678% | 3,096 |
| Assets per employee ($millions) | 5.6315% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,197 |
| Loan loss allowance to noncurrent loans | 810.1974% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 1,640 |
| Noncurrent loans to loans | 0.1395% | 3,110 |
| Net loans and leases to total assets | 62.7224% | 1,777 |
| Net loans and leases to deposits | 76.2883% | 1,419 |
| Net loans and leases to core deposits | 77.2965% | 1,671 |
| Total domestic deposits to total assets | 82.2176% | 4,050 |
| Equity capital to assets | 15.4337% | 355 |
| Core capital (leverage) ratio | 16.0558% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4250% | 281 |
| Memoranda: | ||
| Average total assets | $342,471,500 | 2,292 |
| Average earning assets | $325,310,000 | 2,261 |
| Average equity | $53,476,500 | 1,638 |
| Average total loans | $215,753,500 | 2,129 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 866 |
| Cost of funding earning assets | 0.1826% | 3,630 |
| Net interest margin | 4.1029% | 593 |
| Noninterest income to average assets | 1.2285% | 705 |
| Noninterest expense to average assets | 2.6974% | 1,638 |
| Loan and lease loss provision to assets | -0.2963% | 4,774 |
| Net operating income to assets | 2.0110% | 333 |
| Return on assets (ROA) | 2.0110% | 351 |
| Pretax return on assets | 2.7143% | 197 |
| Return on Equity (ROE) | 13.2011% | 1,396 |
| Retained earnings to average equity (ytd only) | 12.5099% | 469 |
| Net charge-offs to loans | -0.3339% | 4,755 |
| Credit loss provision to net charge-offs | 127.0968% | 1,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7315% | 4,060 |
| Assets per employee ($millions) | 5.5068% | 3,251 |
| Cash dividends to net income (ytd only)* | 5.2356% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,128 |
| Loan loss allowance to noncurrent loans | 802.2876% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 1,737 |
| Noncurrent loans to loans | 0.1433% | 3,221 |
| Net loans and leases to total assets | 61.8368% | 1,961 |
| Net loans and leases to deposits | 75.4503% | 1,608 |
| Net loans and leases to core deposits | 76.4569% | 1,880 |
| Total domestic deposits to total assets | 81.9570% | 3,973 |
| Equity capital to assets | 15.7971% | 402 |
| Core capital (leverage) ratio | 15.6610% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1855% | 275 |
| Memoranda: | ||
| Average total assets | $332,429,000 | 2,283 |
| Average earning assets | $314,922,600 | 2,261 |
| Average equity | $50,639,800 | 1,743 |
| Average total loans | $232,110,200 | 2,037 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 1,084 |
| Cost of funding earning assets | 0.1856% | 3,756 |
| Net interest margin | 4.0297% | 747 |
| Noninterest income to average assets | 1.3625% | 638 |
| Noninterest expense to average assets | 2.6284% | 1,757 |
| Loan and lease loss provision to assets | 0.0012% | 2,944 |
| Net operating income to assets | 1.8866% | 574 |
| Return on assets (ROA) | 1.8866% | 595 |
| Pretax return on assets | 2.5476% | 318 |
| Return on Equity (ROE) | 12.5044% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.5676% | 924 |
| Net charge-offs to loans | -0.0141% | 3,821 |
| Credit loss provision to net charge-offs | -12.0000% | 3,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7683% | 4,144 |
| Assets per employee ($millions) | 5.5718% | 3,121 |
| Cash dividends to net income (ytd only)* | 7.4914% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 3,005 |
| Loan loss allowance to noncurrent loans | 871.5210% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 1,952 |
| Noncurrent loans to loans | 0.1373% | 3,425 |
| Net loans and leases to total assets | 65.4348% | 1,604 |
| Net loans and leases to deposits | 79.3455% | 1,346 |
| Net loans and leases to core deposits | 80.6863% | 1,679 |
| Total domestic deposits to total assets | 82.4682% | 3,831 |
| Equity capital to assets | 15.2922% | 496 |
| Core capital (leverage) ratio | 15.7212% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0932% | 370 |
| Memoranda: | ||
| Average total assets | $330,180,500 | 2,318 |
| Average earning assets | $312,568,000 | 2,288 |
| Average equity | $49,816,000 | 1,787 |
| Average total loans | $236,742,750 | 2,046 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 1,054 |
| Cost of funding earning assets | 0.1901% | 3,852 |
| Net interest margin | 4.0812% | 721 |
| Noninterest income to average assets | 1.3696% | 632 |
| Noninterest expense to average assets | 2.6353% | 1,762 |
| Loan and lease loss provision to assets | 0.0018% | 2,836 |
| Net operating income to assets | 1.9190% | 564 |
| Return on assets (ROA) | 1.9190% | 593 |
| Pretax return on assets | 2.5931% | 308 |
| Return on Equity (ROE) | 12.7790% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.3532% | 1,047 |
| Net charge-offs to loans | -0.0141% | 3,824 |
| Credit loss provision to net charge-offs | -17.6471% | 2,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3860% | 4,205 |
| Assets per employee ($millions) | 5.3574% | 3,279 |
| Cash dividends to net income (ytd only)* | 11.1572% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,267 |
| Loan loss allowance to noncurrent loans | 860.5769% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 2,017 |
| Noncurrent loans to loans | 0.1318% | 3,530 |
| Net loans and leases to total assets | 72.7903% | 873 |
| Net loans and leases to deposits | 88.8125% | 728 |
| Net loans and leases to core deposits | 90.2185% | 1,128 |
| Total domestic deposits to total assets | 81.9595% | 3,929 |
| Equity capital to assets | 15.6936% | 446 |
| Core capital (leverage) ratio | 15.8942% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1723% | 422 |
| Memoranda: | ||
| Average total assets | $326,947,667 | 2,326 |
| Average earning assets | $309,271,000 | 2,290 |
| Average equity | $49,096,333 | 1,799 |
| Average total loans | $240,626,333 | 2,026 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 999 |
| Cost of funding earning assets | 0.1937% | 3,967 |
| Net interest margin | 4.1364% | 680 |
| Noninterest income to average assets | 1.1853% | 869 |
| Noninterest expense to average assets | 2.6327% | 1,791 |
| Loan and lease loss provision to assets | 0.0024% | 2,716 |
| Net operating income to assets | 1.8223% | 754 |
| Return on assets (ROA) | 1.8223% | 806 |
| Pretax return on assets | 2.4616% | 463 |
| Return on Equity (ROE) | 12.4077% | 1,868 |
| Retained earnings to average equity (ytd only) | 12.4077% | 1,049 |
| Net charge-offs to loans | -0.0132% | 3,794 |
| Credit loss provision to net charge-offs | -25.0000% | 2,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6544% | 4,030 |
| Assets per employee ($millions) | 5.0800% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,403 |
| Loan loss allowance to noncurrent loans | 851.9108% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 1,358 |
| Noncurrent loans to loans | 0.1298% | 3,662 |
| Net loans and leases to total assets | 75.9615% | 635 |
| Net loans and leases to deposits | 92.7548% | 556 |
| Net loans and leases to core deposits | 94.6385% | 941 |
| Total domestic deposits to total assets | 81.8950% | 3,913 |
| Equity capital to assets | 15.6101% | 429 |
| Core capital (leverage) ratio | 16.0611% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1360% | 502 |
| Memoranda: | ||
| Average total assets | $329,699,500 | 2,290 |
| Average earning assets | $311,770,000 | 2,261 |
| Average equity | $48,421,500 | 1,804 |
| Average total loans | $242,607,000 | 2,008 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,351 |
| Cost of funding earning assets | 0.3912% | 3,637 |
| Net interest margin | 4.0935% | 793 |
| Noninterest income to average assets | 1.0385% | 979 |
| Noninterest expense to average assets | 2.6807% | 2,297 |
| Loan and lease loss provision to assets | 0.0527% | 3,718 |
| Net operating income to assets | 1.5989% | 640 |
| Return on assets (ROA) | 1.5989% | 694 |
| Pretax return on assets | 2.1596% | 319 |
| Return on Equity (ROE) | 11.3227% | 1,517 |
| Retained earnings to average equity (ytd only) | 10.2117% | 548 |
| Net charge-offs to loans | 0.1274% | 1,236 |
| Credit loss provision to net charge-offs | 54.3974% | 3,119 |
| Earnings coverage of net charge-offs (x) | 22.9674% | 1,824 |
| Efficiency ratio | 54.7868% | 4,114 |
| Assets per employee ($millions) | 5.5554% | 2,784 |
| Cash dividends to net income (ytd only)* | 9.8116% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 1,933 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.8601% | 1,582 |
| Net loans and leases to deposits | 83.1610% | 1,528 |
| Net loans and leases to core deposits | 84.3652% | 2,006 |
| Total domestic deposits to total assets | 84.0058% | 3,106 |
| Equity capital to assets | 13.8420% | 837 |
| Core capital (leverage) ratio | 14.0262% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5990% | 619 |
| Memoranda: | ||
| Average total assets | $318,721,200 | 2,199 |
| Average earning assets | $300,109,600 | 2,180 |
| Average equity | $45,007,000 | 1,849 |
| Average total loans | $241,059,200 | 1,965 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 1,487 |
| Cost of funding earning assets | 0.4515% | 3,524 |
| Net interest margin | 4.0879% | 917 |
| Noninterest income to average assets | 1.0089% | 1,008 |
| Noninterest expense to average assets | 2.7247% | 2,187 |
| Loan and lease loss provision to assets | 0.0692% | 3,463 |
| Net operating income to assets | 1.5242% | 858 |
| Return on assets (ROA) | 1.5242% | 937 |
| Pretax return on assets | 2.0574% | 463 |
| Return on Equity (ROE) | 10.7351% | 1,769 |
| Retained earnings to average equity (ytd only) | 9.2316% | 928 |
| Net charge-offs to loans | 0.2256% | 676 |
| Credit loss provision to net charge-offs | 39.8034% | 2,927 |
| Earnings coverage of net charge-offs (x) | 12.2383% | 2,255 |
| Efficiency ratio | 56.1647% | 3,903 |
| Assets per employee ($millions) | 5.2429% | 2,959 |
| Cash dividends to net income (ytd only)* | 14.0056% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 1,965 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.7760% | 1,127 |
| Net loans and leases to deposits | 90.4560% | 1,225 |
| Net loans and leases to core deposits | 92.1817% | 1,779 |
| Total domestic deposits to total assets | 83.7712% | 2,901 |
| Equity capital to assets | 13.9739% | 861 |
| Core capital (leverage) ratio | 14.1610% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9970% | 784 |
| Memoranda: | ||
| Average total assets | $312,292,250 | 2,208 |
| Average earning assets | $293,543,500 | 2,195 |
| Average equity | $44,339,500 | 1,857 |
| Average total loans | $240,501,750 | 1,968 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,527 |
| Cost of funding earning assets | 0.5390% | 3,299 |
| Net interest margin | 4.1142% | 1,084 |
| Noninterest income to average assets | 0.8887% | 1,193 |
| Noninterest expense to average assets | 2.7497% | 2,218 |
| Loan and lease loss provision to assets | 0.0921% | 3,116 |
| Net operating income to assets | 1.4157% | 1,081 |
| Return on assets (ROA) | 1.4157% | 1,173 |
| Pretax return on assets | 1.9100% | 662 |
| Return on Equity (ROE) | 9.9145% | 2,012 |
| Retained earnings to average equity (ytd only) | 7.6279% | 1,425 |
| Net charge-offs to loans | 0.3520% | 454 |
| Credit loss provision to net charge-offs | 33.8942% | 2,691 |
| Earnings coverage of net charge-offs (x) | 7.3702% | 2,368 |
| Efficiency ratio | 57.8673% | 3,706 |
| Assets per employee ($millions) | 5.3719% | 2,763 |
| Cash dividends to net income (ytd only)* | 23.0627% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 2,036 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 75.0898% | 1,266 |
| Net loans and leases to deposits | 89.5219% | 1,397 |
| Net loans and leases to core deposits | 92.0311% | 1,899 |
| Total domestic deposits to total assets | 83.8787% | 2,787 |
| Equity capital to assets | 13.6592% | 940 |
| Core capital (leverage) ratio | 13.9257% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6817% | 813 |
| Memoranda: | ||
| Average total assets | $306,289,333 | 2,213 |
| Average earning assets | $287,591,667 | 2,206 |
| Average equity | $43,734,000 | 1,864 |
| Average total loans | $236,386,000 | 1,977 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 1,571 |
| Cost of funding earning assets | 0.7206% | 2,833 |
| Net interest margin | 4.0245% | 1,326 |
| Noninterest income to average assets | 0.7104% | 1,617 |
| Noninterest expense to average assets | 2.7037% | 2,698 |
| Loan and lease loss provision to assets | 0.1245% | 2,144 |
| Net operating income to assets | 1.2260% | 1,440 |
| Return on assets (ROA) | 1.2260% | 1,547 |
| Pretax return on assets | 1.6536% | 940 |
| Return on Equity (ROE) | 8.3847% | 2,351 |
| Retained earnings to average equity (ytd only) | 3.7574% | 2,781 |
| Net charge-offs to loans | 0.3109% | 469 |
| Credit loss provision to net charge-offs | 51.3966% | 2,052 |
| Earnings coverage of net charge-offs (x) | 7.3408% | 1,932 |
| Efficiency ratio | 60.3261% | 3,701 |
| Assets per employee ($millions) | 4.8297% | 2,839 |
| Cash dividends to net income (ytd only)* | 55.1876% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 1,948 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.5189% | 1,530 |
| Net loans and leases to deposits | 89.5385% | 1,563 |
| Net loans and leases to core deposits | 92.7404% | 2,093 |
| Total domestic deposits to total assets | 83.2256% | 3,036 |
| Equity capital to assets | 14.2701% | 976 |
| Core capital (leverage) ratio | 14.7117% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7114% | 780 |
| Memoranda: | ||
| Average total assets | $295,591,500 | 2,237 |
| Average earning assets | $277,005,500 | 2,214 |
| Average equity | $43,221,500 | 1,873 |
| Average total loans | $230,285,000 | 1,987 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 855 |
| Cost of funding earning assets | 0.8122% | 2,622 |
| Net interest margin | 4.4655% | 775 |
| Noninterest income to average assets | 0.7270% | 1,716 |
| Noninterest expense to average assets | 2.8352% | 2,492 |
| Loan and lease loss provision to assets | -0.0948% | 5,070 |
| Net operating income to assets | 1.5913% | 854 |
| Return on assets (ROA) | 1.5913% | 905 |
| Pretax return on assets | 2.1487% | 429 |
| Return on Equity (ROE) | 10.6637% | 2,018 |
| Retained earnings to average equity (ytd only) | 5.6171% | 2,092 |
| Net charge-offs to loans | -0.1132% | 4,971 |
| Credit loss provision to net charge-offs | 104.3307% | 2,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9906% | 3,963 |
| Assets per employee ($millions) | 4.5541% | 3,153 |
| Cash dividends to net income (ytd only)* | 47.3246% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 1,723 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.5741% | 843 |
| Net loans and leases to deposits | 96.5255% | 887 |
| Net loans and leases to core deposits | 100.7862% | 1,499 |
| Total domestic deposits to total assets | 82.4384% | 3,386 |
| Equity capital to assets | 14.9953% | 795 |
| Core capital (leverage) ratio | 15.2901% | 629 |
| Tier 1 risk-based capital ratio | 19.4320% | 1,429 |
| Total risk-based capital ratio | 20.6823% | 1,390 |
| Memoranda: | ||
| Average total assets | $279,518,800 | 2,274 |
| Average earning assets | $260,533,000 | 2,272 |
| Average equity | $41,711,600 | 1,858 |
| Average total loans | $224,454,400 | 1,994 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 880 |
| Cost of funding earning assets | 0.8371% | 2,522 |
| Net interest margin | 4.4560% | 847 |
| Noninterest income to average assets | 0.8336% | 1,320 |
| Noninterest expense to average assets | 2.8541% | 2,398 |
| Loan and lease loss provision to assets | 0.0005% | 3,834 |
| Net operating income to assets | 1.5783% | 979 |
| Return on assets (ROA) | 1.5783% | 1,033 |
| Pretax return on assets | 2.1300% | 513 |
| Return on Equity (ROE) | 10.5901% | 2,176 |
| Retained earnings to average equity (ytd only) | 5.4191% | 2,664 |
| Net charge-offs to loans | -0.1460% | 5,063 |
| Credit loss provision to net charge-offs | -0.4098% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2585% | 4,032 |
| Assets per employee ($millions) | 4.3544% | 3,408 |
| Cash dividends to net income (ytd only)* | 48.8288% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 1,568 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.1727% | 687 |
| Net loans and leases to deposits | 98.7722% | 743 |
| Net loans and leases to core deposits | 103.1006% | 1,403 |
| Total domestic deposits to total assets | 82.1818% | 3,419 |
| Equity capital to assets | 15.1959% | 797 |
| Core capital (leverage) ratio | 15.2509% | 680 |
| Tier 1 risk-based capital ratio | 19.1013% | 1,541 |
| Total risk-based capital ratio | 20.3531% | 1,514 |
| Memoranda: | ||
| Average total assets | $277,671,000 | 2,301 |
| Average earning assets | $258,671,250 | 2,297 |
| Average equity | $41,383,750 | 1,880 |
| Average total loans | $222,790,250 | 2,019 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 868 |
| Cost of funding earning assets | 0.8233% | 2,534 |
| Net interest margin | 4.4463% | 859 |
| Noninterest income to average assets | 0.7760% | 1,426 |
| Noninterest expense to average assets | 2.8529% | 2,406 |
| Loan and lease loss provision to assets | 0.0007% | 3,681 |
| Net operating income to assets | 1.5281% | 1,067 |
| Return on assets (ROA) | 1.5281% | 1,116 |
| Pretax return on assets | 2.0625% | 603 |
| Return on Equity (ROE) | 10.3209% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.9388% | 2,797 |
| Net charge-offs to loans | -0.2021% | 5,132 |
| Credit loss provision to net charge-offs | -0.4484% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0314% | 4,006 |
| Assets per employee ($millions) | 4.3793% | 3,318 |
| Cash dividends to net income (ytd only)* | 52.1472% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0950% | 1,249 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.7000% | 1,277 |
| Net loans and leases to deposits | 92.1159% | 1,479 |
| Net loans and leases to core deposits | 95.2967% | 2,130 |
| Total domestic deposits to total assets | 84.3503% | 2,739 |
| Equity capital to assets | 14.8701% | 849 |
| Core capital (leverage) ratio | 15.0664% | 691 |
| Tier 1 risk-based capital ratio | 19.2931% | 1,484 |
| Total risk-based capital ratio | 20.5449% | 1,453 |
| Memoranda: | ||
| Average total assets | $277,334,330 | 2,311 |
| Average earning assets | $258,240,000 | 2,307 |
| Average equity | $41,062,330 | 1,893 |
| Average total loans | $220,629,000 | 2,044 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 1,042 |
| Cost of funding earning assets | 0.7888% | 2,598 |
| Net interest margin | 4.3415% | 1,021 |
| Noninterest income to average assets | 0.6583% | 1,790 |
| Noninterest expense to average assets | 2.8507% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3673% | 1,464 |
| Return on assets (ROA) | 1.3673% | 1,507 |
| Pretax return on assets | 1.8458% | 880 |
| Return on Equity (ROE) | 9.2553% | 2,690 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,590 |
| Net charge-offs to loans | -0.0163% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6977% | 3,720 |
| Assets per employee ($millions) | 4.4102% | 3,312 |
| Cash dividends to net income (ytd only)* | 64.1569% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,163 |
| Loan loss allowance to noncurrent loans | 3,104.3956% | 223 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 1,172 |
| Noncurrent loans to loans | 0.0414% | 4,581 |
| Net loans and leases to total assets | 78.1549% | 1,122 |
| Net loans and leases to deposits | 92.4817% | 1,341 |
| Net loans and leases to core deposits | 94.9413% | 2,034 |
| Total domestic deposits to total assets | 84.5085% | 2,845 |
| Equity capital to assets | 14.7375% | 812 |
| Core capital (leverage) ratio | 15.1423% | 667 |
| Tier 1 risk-based capital ratio | 18.9710% | 1,547 |
| Total risk-based capital ratio | 20.2218% | 1,517 |
| Memoranda: | ||
| Average total assets | $275,864,500 | 2,334 |
| Average earning assets | $256,590,500 | 2,339 |
| Average equity | $40,755,000 | 1,899 |
| Average total loans | $220,537,000 | 2,062 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1972% | 705 |
| Cost of funding earning assets | 0.5732% | 2,898 |
| Net interest margin | 4.6240% | 573 |
| Noninterest income to average assets | 0.8316% | 1,362 |
| Noninterest expense to average assets | 3.0510% | 1,931 |
| Loan and lease loss provision to assets | 0.0041% | 4,027 |
| Net operating income to assets | 1.5236% | 1,061 |
| Return on assets (ROA) | 1.5236% | 1,042 |
| Pretax return on assets | 2.0573% | 488 |
| Return on Equity (ROE) | 9.8619% | 2,573 |
| Retained earnings to average equity (ytd only) | 0.1720% | 4,936 |
| Net charge-offs to loans | 0.0022% | 3,664 |
| Credit loss provision to net charge-offs | 220.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 1,101.6000% | 97 |
| Efficiency ratio | 59.6779% | 3,915 |
| Assets per employee ($millions) | 4.2795% | 3,494 |
| Cash dividends to net income (ytd only)* | 98.2560% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,178 |
| Loan loss allowance to noncurrent loans | 66.6509% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.7625% | 254 |
| Noncurrent loans to loans | 1.9109% | 719 |
| Net loans and leases to total assets | 79.6993% | 983 |
| Net loans and leases to deposits | 94.3230% | 1,240 |
| Net loans and leases to core deposits | 96.5192% | 2,014 |
| Total domestic deposits to total assets | 84.4962% | 2,837 |
| Equity capital to assets | 14.8101% | 758 |
| Core capital (leverage) ratio | 15.1186% | 670 |
| Tier 1 risk-based capital ratio | 18.4955% | 1,620 |
| Total risk-based capital ratio | 19.7460% | 1,572 |
| Memoranda: | ||
| Average total assets | $267,193,000 | 2,359 |
| Average earning assets | $247,362,200 | 2,357 |
| Average equity | $41,280,200 | 1,806 |
| Average total loans | $222,598,200 | 2,004 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 618 |
| Cost of funding earning assets | 0.5314% | 2,985 |
| Net interest margin | 4.6769% | 495 |
| Noninterest income to average assets | 0.9671% | 1,020 |
| Noninterest expense to average assets | 3.0616% | 1,855 |
| Loan and lease loss provision to assets | 0.0045% | 3,880 |
| Net operating income to assets | 1.6496% | 845 |
| Return on assets (ROA) | 1.6496% | 854 |
| Pretax return on assets | 2.2275% | 386 |
| Return on Equity (ROE) | 10.5643% | 2,366 |
| Retained earnings to average equity (ytd only) | 6.5444% | 2,364 |
| Net charge-offs to loans | 0.0084% | 3,115 |
| Credit loss provision to net charge-offs | 64.2857% | 2,691 |
| Earnings coverage of net charge-offs (x) | 317.4355% | 295 |
| Efficiency ratio | 57.8353% | 4,150 |
| Assets per employee ($millions) | 4.2340% | 3,524 |
| Cash dividends to net income (ytd only)* | 38.0519% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,302 |
| Loan loss allowance to noncurrent loans | 65.9070% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 3.0093% | 240 |
| Noncurrent loans to loans | 1.9142% | 787 |
| Net loans and leases to total assets | 82.3019% | 661 |
| Net loans and leases to deposits | 98.7113% | 887 |
| Net loans and leases to core deposits | 100.4011% | 1,749 |
| Total domestic deposits to total assets | 83.3763% | 3,175 |
| Equity capital to assets | 15.9286% | 556 |
| Core capital (leverage) ratio | 15.7652% | 558 |
| Tier 1 risk-based capital ratio | 19.2505% | 1,483 |
| Total risk-based capital ratio | 20.5007% | 1,450 |
| Memoranda: | ||
| Average total assets | $265,519,500 | 2,378 |
| Average earning assets | $245,626,000 | 2,378 |
| Average equity | $41,459,500 | 1,808 |
| Average total loans | $222,972,250 | 2,007 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 662 |
| Cost of funding earning assets | 0.4847% | 3,133 |
| Net interest margin | 4.6165% | 533 |
| Noninterest income to average assets | 0.9860% | 984 |
| Noninterest expense to average assets | 3.0651% | 1,873 |
| Loan and lease loss provision to assets | 0.0038% | 3,741 |
| Net operating income to assets | 1.6182% | 884 |
| Return on assets (ROA) | 1.6182% | 887 |
| Pretax return on assets | 2.1855% | 400 |
| Return on Equity (ROE) | 10.4337% | 2,366 |
| Retained earnings to average equity (ytd only) | 6.0559% | 2,527 |
| Net charge-offs to loans | -0.0134% | 4,419 |
| Credit loss provision to net charge-offs | -33.3333% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3345% | 4,181 |
| Assets per employee ($millions) | 4.2514% | 3,494 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,360 |
| Loan loss allowance to noncurrent loans | 65.5700% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 3.0658% | 233 |
| Noncurrent loans to loans | 1.9265% | 796 |
| Net loans and leases to total assets | 83.9207% | 467 |
| Net loans and leases to deposits | 100.4879% | 775 |
| Net loans and leases to core deposits | 102.2691% | 1,543 |
| Total domestic deposits to total assets | 83.5133% | 3,246 |
| Equity capital to assets | 15.8274% | 527 |
| Core capital (leverage) ratio | 15.5964% | 555 |
| Tier 1 risk-based capital ratio | 18.6494% | 1,637 |
| Total risk-based capital ratio | 19.8994% | 1,601 |
| Memoranda: | ||
| Average total assets | $265,112,670 | 2,383 |
| Average earning assets | $245,118,670 | 2,393 |
| Average equity | $41,116,670 | 1,820 |
| Average total loans | $223,184,000 | 2,004 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 784 |
| Cost of funding earning assets | 0.4330% | 3,348 |
| Net interest margin | 4.5142% | 598 |
| Noninterest income to average assets | 0.9794% | 955 |
| Noninterest expense to average assets | 3.0420% | 1,965 |
| Loan and lease loss provision to assets | 0.0045% | 3,447 |
| Net operating income to assets | 1.5571% | 941 |
| Return on assets (ROA) | 1.5571% | 949 |
| Pretax return on assets | 2.1047% | 457 |
| Return on Equity (ROE) | 10.1432% | 2,361 |
| Retained earnings to average equity (ytd only) | 5.7331% | 2,837 |
| Net charge-offs to loans | -0.0126% | 4,345 |
| Credit loss provision to net charge-offs | -42.8571% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0537% | 4,208 |
| Assets per employee ($millions) | 4.3727% | 3,361 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,417 |
| Loan loss allowance to noncurrent loans | 65.9649% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 3.0113% | 268 |
| Noncurrent loans to loans | 1.9205% | 847 |
| Net loans and leases to total assets | 81.0674% | 780 |
| Net loans and leases to deposits | 96.2883% | 1,006 |
| Net loans and leases to core deposits | 97.8091% | 1,845 |
| Total domestic deposits to total assets | 84.1923% | 3,241 |
| Equity capital to assets | 15.1504% | 635 |
| Core capital (leverage) ratio | 15.6556% | 540 |
| Tier 1 risk-based capital ratio | 18.6555% | 1,649 |
| Total risk-based capital ratio | 19.9060% | 1,605 |
| Memoranda: | ||
| Average total assets | $265,875,000 | 2,393 |
| Average earning assets | $245,713,500 | 2,414 |
| Average equity | $40,815,500 | 1,838 |
| Average total loans | $222,758,500 | 2,015 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 612 |
| Cost of funding earning assets | 0.2821% | 4,295 |
| Net interest margin | 4.7453% | 391 |
| Noninterest income to average assets | 0.8549% | 1,397 |
| Noninterest expense to average assets | 2.9416% | 2,312 |
| Loan and lease loss provision to assets | 0.0004% | 4,224 |
| Net operating income to assets | 1.3436% | 1,129 |
| Return on assets (ROA) | 1.3436% | 1,157 |
| Pretax return on assets | 2.3248% | 253 |
| Return on Equity (ROE) | 8.5844% | 2,501 |
| Retained earnings to average equity (ytd only) | 3.0896% | 3,449 |
| Net charge-offs to loans | 0.0211% | 3,403 |
| Credit loss provision to net charge-offs | 2.1739% | 3,702 |
| Earnings coverage of net charge-offs (x) | 129.3043% | 528 |
| Efficiency ratio | 55.8524% | 4,780 |
| Assets per employee ($millions) | 4.0725% | 3,851 |
| Cash dividends to net income (ytd only)* | 64.0093% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,424 |
| Loan loss allowance to noncurrent loans | 64.0237% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 3.2075% | 236 |
| Noncurrent loans to loans | 1.9689% | 778 |
| Net loans and leases to total assets | 84.4480% | 403 |
| Net loans and leases to deposits | 106.6534% | 375 |
| Net loans and leases to core deposits | 107.5235% | 1,175 |
| Total domestic deposits to total assets | 79.1798% | 4,503 |
| Equity capital to assets | 15.5605% | 578 |
| Core capital (leverage) ratio | 16.0315% | 474 |
| Tier 1 risk-based capital ratio | 18.5456% | 1,635 |
| Total risk-based capital ratio | 19.7962% | 1,588 |
| Memoranda: | ||
| Average total assets | $255,812,000 | 2,448 |
| Average earning assets | $237,835,000 | 2,446 |
| Average equity | $40,037,600 | 1,860 |
| Average total loans | $217,829,800 | 2,015 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 563 |
| Cost of funding earning assets | 0.2702% | 4,405 |
| Net interest margin | 4.7684% | 365 |
| Noninterest income to average assets | 0.9751% | 1,081 |
| Noninterest expense to average assets | 2.9593% | 2,219 |
| Loan and lease loss provision to assets | 0.0005% | 4,079 |
| Net operating income to assets | 1.5249% | 852 |
| Return on assets (ROA) | 1.5249% | 874 |
| Pretax return on assets | 2.4597% | 223 |
| Return on Equity (ROE) | 9.7289% | 2,242 |
| Retained earnings to average equity (ytd only) | 3.8822% | 3,611 |
| Net charge-offs to loans | 0.0049% | 3,557 |
| Credit loss provision to net charge-offs | 12.5000% | 3,208 |
| Earnings coverage of net charge-offs (x) | 587.0515% | 176 |
| Efficiency ratio | 54.6043% | 4,891 |
| Assets per employee ($millions) | 4.0221% | 3,955 |
| Cash dividends to net income (ytd only)* | 60.0963% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,266 |
| Loan loss allowance to noncurrent loans | 1,924.3243% | 350 |
| Noncurrent assets plus other real estate owned to assets | 1.8111% | 760 |
| Noncurrent loans to loans | 0.0686% | 4,802 |
| Net loans and leases to total assets | 82.7470% | 573 |
| Net loans and leases to deposits | 101.3393% | 655 |
| Net loans and leases to core deposits | 102.1631% | 1,533 |
| Total domestic deposits to total assets | 81.6534% | 3,879 |
| Equity capital to assets | 15.7407% | 593 |
| Core capital (leverage) ratio | 15.9659% | 494 |
| Tier 1 risk-based capital ratio | 19.2876% | 1,523 |
| Total risk-based capital ratio | 20.5387% | 1,477 |
| Memoranda: | ||
| Average total assets | $254,604,750 | 2,475 |
| Average earning assets | $237,306,500 | 2,464 |
| Average equity | $39,907,750 | 1,877 |
| Average total loans | $216,558,250 | 2,034 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 584 |
| Cost of funding earning assets | 0.2452% | 4,585 |
| Net interest margin | 4.7318% | 368 |
| Noninterest income to average assets | 0.9485% | 1,135 |
| Noninterest expense to average assets | 2.9109% | 2,389 |
| Loan and lease loss provision to assets | 0.0008% | 3,864 |
| Net operating income to assets | 1.5272% | 820 |
| Return on assets (ROA) | 1.5272% | 842 |
| Pretax return on assets | 2.4639% | 228 |
| Return on Equity (ROE) | 9.7572% | 2,145 |
| Retained earnings to average equity (ytd only) | 3.2087% | 3,807 |
| Net charge-offs to loans | 0.0138% | 2,978 |
| Credit loss provision to net charge-offs | 6.6667% | 2,872 |
| Earnings coverage of net charge-offs (x) | 208.4000% | 401 |
| Efficiency ratio | 54.1508% | 5,005 |
| Assets per employee ($millions) | 4.0165% | 3,929 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,518 |
| Loan loss allowance to noncurrent loans | 75.3381% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.7646% | 792 |
| Noncurrent loans to loans | 1.6968% | 1,071 |
| Net loans and leases to total assets | 85.3537% | 317 |
| Net loans and leases to deposits | 101.8173% | 619 |
| Net loans and leases to core deposits | 102.6245% | 1,461 |
| Total domestic deposits to total assets | 83.8302% | 3,270 |
| Equity capital to assets | 15.5609% | 601 |
| Core capital (leverage) ratio | 15.6146% | 527 |
| Tier 1 risk-based capital ratio | 18.5136% | 1,713 |
| Total risk-based capital ratio | 19.7645% | 1,673 |
| Memoranda: | ||
| Average total assets | $253,667,670 | 2,492 |
| Average earning assets | $237,329,000 | 2,475 |
| Average equity | $39,704,000 | 1,883 |
| Average total loans | $216,793,670 | 2,033 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 679 |
| Cost of funding earning assets | 0.2189% | 4,812 |
| Net interest margin | 4.6349% | 421 |
| Noninterest income to average assets | 0.9715% | 1,057 |
| Noninterest expense to average assets | 2.8971% | 2,461 |
| Loan and lease loss provision to assets | 0.0016% | 3,526 |
| Net operating income to assets | 1.4938% | 819 |
| Return on assets (ROA) | 1.4938% | 845 |
| Pretax return on assets | 2.4098% | 250 |
| Return on Equity (ROE) | 9.5156% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.2179% | 2,777 |
| Net charge-offs to loans | 0.0392% | 2,028 |
| Credit loss provision to net charge-offs | 4.7619% | 2,256 |
| Earnings coverage of net charge-offs (x) | 72.3333% | 705 |
| Efficiency ratio | 54.5754% | 5,083 |
| Assets per employee ($millions) | 4.1448% | 3,769 |
| Cash dividends to net income (ytd only)* | 45.1647% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,516 |
| Loan loss allowance to noncurrent loans | 75.1989% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7367% | 845 |
| Noncurrent loans to loans | 1.7353% | 1,101 |
| Net loans and leases to total assets | 82.1126% | 554 |
| Net loans and leases to deposits | 97.7444% | 787 |
| Net loans and leases to core deposits | 98.6188% | 1,611 |
| Total domestic deposits to total assets | 84.0075% | 3,477 |
| Equity capital to assets | 15.2549% | 606 |
| Core capital (leverage) ratio | 15.9649% | 466 |
| Tier 1 risk-based capital ratio | 18.8197% | 1,652 |
| Total risk-based capital ratio | 20.0707% | 1,613 |
| Memoranda: | ||
| Average total assets | $251,974,500 | 2,525 |
| Average earning assets | $235,774,500 | 2,506 |
| Average equity | $39,556,000 | 1,889 |
| Average total loans | $214,067,500 | 2,070 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 711 |
| Cost of funding earning assets | 0.1870% | 5,139 |
| Net interest margin | 4.7323% | 402 |
| Noninterest income to average assets | 1.0682% | 990 |
| Noninterest expense to average assets | 3.0413% | 2,212 |
| Loan and lease loss provision to assets | 0.0029% | 4,294 |
| Net operating income to assets | 1.5211% | 797 |
| Return on assets (ROA) | 1.5211% | 824 |
| Pretax return on assets | 2.4343% | 220 |
| Return on Equity (ROE) | 9.4723% | 2,201 |
| Retained earnings to average equity (ytd only) | 4.9722% | 2,359 |
| Net charge-offs to loans | 0.1814% | 1,525 |
| Credit loss provision to net charge-offs | 1.9718% | 3,776 |
| Earnings coverage of net charge-offs (x) | 16.3887% | 2,115 |
| Efficiency ratio | 55.5131% | 5,105 |
| Assets per employee ($millions) | 3.9808% | 4,001 |
| Cash dividends to net income (ytd only)* | 47.5076% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,285 |
| Loan loss allowance to noncurrent loans | 80.4906% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.7840% | 830 |
| Noncurrent loans to loans | 1.6820% | 1,146 |
| Net loans and leases to total assets | 85.6705% | 252 |
| Net loans and leases to deposits | 102.9199% | 472 |
| Net loans and leases to core deposits | 104.0467% | 1,276 |
| Total domestic deposits to total assets | 83.2399% | 3,679 |
| Equity capital to assets | 16.1753% | 475 |
| Core capital (leverage) ratio | 16.2264% | 436 |
| Tier 1 risk-based capital ratio | 19.1149% | 1,565 |
| Total risk-based capital ratio | 20.3667% | 1,532 |
| Memoranda: | ||
| Average total assets | $238,709,800 | 2,589 |
| Average earning assets | $222,472,600 | 2,572 |
| Average equity | $38,333,000 | 1,919 |
| Average total loans | $195,652,000 | 2,149 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 759 |
| Cost of funding earning assets | 0.1860% | 5,214 |
| Net interest margin | 4.6922% | 436 |
| Noninterest income to average assets | 1.0670% | 994 |
| Noninterest expense to average assets | 3.0634% | 2,115 |
| Loan and lease loss provision to assets | 0.0034% | 4,153 |
| Net operating income to assets | 1.4832% | 909 |
| Return on assets (ROA) | 1.4832% | 953 |
| Pretax return on assets | 2.3729% | 268 |
| Return on Equity (ROE) | 9.2534% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.7037% | 3,013 |
| Net charge-offs to loans | 0.2078% | 1,124 |
| Credit loss provision to net charge-offs | 2.0067% | 3,404 |
| Earnings coverage of net charge-offs (x) | 14.1671% | 2,258 |
| Efficiency ratio | 56.3164% | 5,027 |
| Assets per employee ($millions) | 3.9100% | 4,110 |
| Cash dividends to net income (ytd only)* | 49.1679% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 2,268 |
| Loan loss allowance to noncurrent loans | 82.6939% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 934 |
| Noncurrent loans to loans | 1.6743% | 1,261 |
| Net loans and leases to total assets | 85.4978% | 288 |
| Net loans and leases to deposits | 102.5197% | 537 |
| Net loans and leases to core deposits | 103.6554% | 1,368 |
| Total domestic deposits to total assets | 83.3964% | 3,452 |
| Equity capital to assets | 16.0326% | 550 |
| Core capital (leverage) ratio | 16.5027% | 416 |
| Tier 1 risk-based capital ratio | 19.1394% | 1,641 |
| Total risk-based capital ratio | 20.3917% | 1,598 |
| Memoranda: | ||
| Average total assets | $237,680,500 | 2,608 |
| Average earning assets | $221,496,750 | 2,592 |
| Average equity | $38,096,750 | 1,931 |
| Average total loans | $191,843,500 | 2,188 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8203% | 853 |
| Cost of funding earning assets | 0.1864% | 5,270 |
| Net interest margin | 4.6339% | 481 |
| Noninterest income to average assets | 0.9996% | 1,116 |
| Noninterest expense to average assets | 3.0411% | 2,230 |
| Loan and lease loss provision to assets | 0.0025% | 3,984 |
| Net operating income to assets | 1.4223% | 1,025 |
| Return on assets (ROA) | 1.4223% | 1,066 |
| Pretax return on assets | 2.2736% | 326 |
| Return on Equity (ROE) | 8.8741% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.2494% | 3,206 |
| Net charge-offs to loans | 0.3295% | 714 |
| Credit loss provision to net charge-offs | 0.9804% | 3,046 |
| Earnings coverage of net charge-offs (x) | 8.7810% | 2,486 |
| Efficiency ratio | 57.1929% | 5,001 |
| Assets per employee ($millions) | 3.9746% | 3,964 |
| Cash dividends to net income (ytd only)* | 52.1144% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 2,056 |
| Loan loss allowance to noncurrent loans | 82.4332% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.8216% | 938 |
| Noncurrent loans to loans | 1.7636% | 1,188 |
| Net loans and leases to total assets | 82.4301% | 581 |
| Net loans and leases to deposits | 98.8500% | 800 |
| Net loans and leases to core deposits | 100.0906% | 1,627 |
| Total domestic deposits to total assets | 83.3891% | 3,507 |
| Equity capital to assets | 16.0641% | 533 |
| Core capital (leverage) ratio | 15.9493% | 468 |
| Tier 1 risk-based capital ratio | 19.7363% | 1,512 |
| Total risk-based capital ratio | 20.9892% | 1,473 |
| Memoranda: | ||
| Average total assets | $236,101,330 | 2,631 |
| Average earning assets | $219,987,000 | 2,614 |
| Average equity | $37,840,330 | 1,947 |
| Average total loans | $185,734,000 | 2,254 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 759 |
| Cost of funding earning assets | 0.1847% | 5,329 |
| Net interest margin | 4.6698% | 443 |
| Noninterest income to average assets | 0.7186% | 1,948 |
| Noninterest expense to average assets | 3.0173% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2839% | 1,295 |
| Return on assets (ROA) | 1.2839% | 1,380 |
| Pretax return on assets | 2.0501% | 512 |
| Return on Equity (ROE) | 8.0200% | 2,899 |
| Retained earnings to average equity (ytd only) | 3.2335% | 3,882 |
| Net charge-offs to loans | 0.4696% | 475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.7333% | 2,300 |
| Efficiency ratio | 59.5430% | 4,806 |
| Assets per employee ($millions) | 3.9364% | 4,061 |
| Cash dividends to net income (ytd only)* | 59.6817% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,614 |
| Loan loss allowance to noncurrent loans | 99.2703% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6414% | 1,200 |
| Noncurrent loans to loans | 1.6089% | 1,435 |
| Net loans and leases to total assets | 75.5549% | 1,462 |
| Net loans and leases to deposits | 90.0948% | 1,569 |
| Net loans and leases to core deposits | 91.1814% | 2,259 |
| Total domestic deposits to total assets | 83.8616% | 3,574 |
| Equity capital to assets | 15.4779% | 603 |
| Core capital (leverage) ratio | 16.2779% | 437 |
| Tier 1 risk-based capital ratio | 20.6578% | 1,374 |
| Total risk-based capital ratio | 21.9123% | 1,350 |
| Memoranda: | ||
| Average total assets | $234,914,000 | 2,654 |
| Average earning assets | $218,767,500 | 2,639 |
| Average equity | $37,606,000 | 1,960 |
| Average total loans | $178,863,000 | 2,321 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 742 |
| Cost of funding earning assets | 0.1604% | 5,611 |
| Net interest margin | 4.7528% | 413 |
| Noninterest income to average assets | 1.0325% | 1,109 |
| Noninterest expense to average assets | 3.1344% | 2,133 |
| Loan and lease loss provision to assets | 0.0116% | 4,178 |
| Net operating income to assets | 1.4272% | 992 |
| Return on assets (ROA) | 1.4272% | 1,025 |
| Pretax return on assets | 2.2846% | 301 |
| Return on Equity (ROE) | 8.7548% | 2,592 |
| Retained earnings to average equity (ytd only) | 4.2561% | 2,956 |
| Net charge-offs to loans | -0.1014% | 5,777 |
| Credit loss provision to net charge-offs | -14.6893% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7181% | 5,170 |
| Assets per employee ($millions) | 3.7012% | 4,478 |
| Cash dividends to net income (ytd only)* | 51.3859% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 992 |
| Loan loss allowance to noncurrent loans | 104.4343% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.8532% | 1,009 |
| Noncurrent loans to loans | 1.8006% | 1,216 |
| Net loans and leases to total assets | 74.0277% | 1,724 |
| Net loans and leases to deposits | 89.3239% | 1,708 |
| Net loans and leases to core deposits | 90.6568% | 2,350 |
| Total domestic deposits to total assets | 82.8756% | 3,877 |
| Equity capital to assets | 16.5818% | 455 |
| Core capital (leverage) ratio | 16.5617% | 410 |
| Tier 1 risk-based capital ratio | 22.6823% | 1,054 |
| Total risk-based capital ratio | 23.9405% | 1,041 |
| Memoranda: | ||
| Average total assets | $224,987,000 | 2,702 |
| Average earning assets | $208,191,000 | 2,689 |
| Average equity | $36,677,000 | 1,948 |
| Average total loans | $174,478,800 | 2,303 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 696 |
| Cost of funding earning assets | 0.1604% | 5,702 |
| Net interest margin | 4.7825% | 392 |
| Noninterest income to average assets | 1.0712% | 1,049 |
| Noninterest expense to average assets | 3.1228% | 2,161 |
| Loan and lease loss provision to assets | 0.0142% | 3,989 |
| Net operating income to assets | 1.4721% | 964 |
| Return on assets (ROA) | 1.4721% | 1,002 |
| Pretax return on assets | 2.3565% | 312 |
| Return on Equity (ROE) | 9.0697% | 2,538 |
| Retained earnings to average equity (ytd only) | 4.5020% | 3,265 |
| Net charge-offs to loans | 0.1208% | 1,915 |
| Credit loss provision to net charge-offs | 15.0943% | 3,404 |
| Earnings coverage of net charge-offs (x) | 25.1389% | 1,674 |
| Efficiency ratio | 56.8452% | 5,243 |
| Assets per employee ($millions) | 3.5112% | 4,773 |
| Cash dividends to net income (ytd only)* | 50.3628% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6870% | 1,506 |
| Loan loss allowance to noncurrent loans | 92.9591% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.9131% | 1,089 |
| Noncurrent loans to loans | 1.8147% | 1,304 |
| Net loans and leases to total assets | 75.4808% | 1,463 |
| Net loans and leases to deposits | 91.2932% | 1,489 |
| Net loans and leases to core deposits | 92.4411% | 2,220 |
| Total domestic deposits to total assets | 82.6795% | 3,925 |
| Equity capital to assets | 16.7866% | 461 |
| Core capital (leverage) ratio | 16.6041% | 417 |
| Tier 1 risk-based capital ratio | 22.4351% | 1,138 |
| Total risk-based capital ratio | 23.6912% | 1,113 |
| Memoranda: | ||
| Average total assets | $224,791,000 | 2,725 |
| Average earning assets | $207,864,750 | 2,722 |
| Average equity | $36,487,000 | 1,969 |
| Average total loans | $175,514,500 | 2,296 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 863 |
| Cost of funding earning assets | 0.1590% | 5,784 |
| Net interest margin | 4.6578% | 474 |
| Noninterest income to average assets | 1.0673% | 1,053 |
| Noninterest expense to average assets | 3.0887% | 2,276 |
| Loan and lease loss provision to assets | 0.0168% | 3,791 |
| Net operating income to assets | 1.4151% | 1,057 |
| Return on assets (ROA) | 1.4151% | 1,092 |
| Pretax return on assets | 2.2656% | 365 |
| Return on Equity (ROE) | 8.8168% | 2,643 |
| Retained earnings to average equity (ytd only) | 4.1299% | 3,393 |
| Net charge-offs to loans | 0.1172% | 1,831 |
| Credit loss provision to net charge-offs | 18.2692% | 3,031 |
| Earnings coverage of net charge-offs (x) | 24.7981% | 1,550 |
| Efficiency ratio | 57.5054% | 5,278 |
| Assets per employee ($millions) | 3.6171% | 4,593 |
| Cash dividends to net income (ytd only)* | 53.1582% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,779 |
| Loan loss allowance to noncurrent loans | 94.7659% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.9192% | 1,172 |
| Noncurrent loans to loans | 1.7333% | 1,484 |
| Net loans and leases to total assets | 77.8331% | 1,092 |
| Net loans and leases to deposits | 93.5955% | 1,189 |
| Net loans and leases to core deposits | 94.4795% | 1,911 |
| Total domestic deposits to total assets | 83.1590% | 3,883 |
| Equity capital to assets | 16.3420% | 484 |
| Core capital (leverage) ratio | 15.9418% | 475 |
| Tier 1 risk-based capital ratio | 20.8752% | 1,389 |
| Total risk-based capital ratio | 22.1301% | 1,357 |
| Memoranda: | ||
| Average total assets | $225,986,000 | 2,736 |
| Average earning assets | $208,812,670 | 2,723 |
| Average equity | $36,271,670 | 1,982 |
| Average total loans | $177,408,330 | 2,281 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 1,095 |
| Cost of funding earning assets | 0.1583% | 5,860 |
| Net interest margin | 4.5095% | 596 |
| Noninterest income to average assets | 1.2114% | 775 |
| Noninterest expense to average assets | 3.0505% | 2,425 |
| Loan and lease loss provision to assets | 0.0247% | 3,380 |
| Net operating income to assets | 1.4353% | 972 |
| Return on assets (ROA) | 1.4353% | 1,027 |
| Pretax return on assets | 2.3046% | 323 |
| Return on Equity (ROE) | 9.0236% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.0351% | 3,583 |
| Net charge-offs to loans | 0.3360% | 726 |
| Credit loss provision to net charge-offs | 9.3960% | 2,435 |
| Earnings coverage of net charge-offs (x) | 8.8658% | 2,051 |
| Efficiency ratio | 56.7027% | 5,467 |
| Assets per employee ($millions) | 3.8213% | 4,302 |
| Cash dividends to net income (ytd only)* | 55.2826% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 2,077 |
| Loan loss allowance to noncurrent loans | 93.2314% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.8154% | 1,348 |
| Noncurrent loans to loans | 1.7085% | 1,605 |
| Net loans and leases to total assets | 74.7091% | 1,400 |
| Net loans and leases to deposits | 88.8699% | 1,525 |
| Net loans and leases to core deposits | 89.7690% | 2,152 |
| Total domestic deposits to total assets | 84.0657% | 3,799 |
| Equity capital to assets | 15.3067% | 656 |
| Core capital (leverage) ratio | 16.0233% | 461 |
| Tier 1 risk-based capital ratio | 20.3964% | 1,544 |
| Total risk-based capital ratio | 21.7518% | 1,492 |
| Memoranda: | ||
| Average total assets | $226,848,000 | 2,749 |
| Average earning assets | $209,689,000 | 2,732 |
| Average equity | $36,083,000 | 2,007 |
| Average total loans | $177,380,000 | 2,289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4142% | 369 |
| Cost of funding earning assets | 0.1751% | 5,941 |
| Net interest margin | 5.2391% | 195 |
| Noninterest income to average assets | 0.8687% | 1,611 |
| Noninterest expense to average assets | 3.0830% | 2,582 |
| Loan and lease loss provision to assets | 0.0769% | 2,942 |
| Net operating income to assets | 1.5921% | 714 |
| Return on assets (ROA) | 1.5921% | 750 |
| Pretax return on assets | 2.5507% | 174 |
| Return on Equity (ROE) | 9.5341% | 2,324 |
| Retained earnings to average equity (ytd only) | -2.9779% | 6,089 |
| Net charge-offs to loans | 0.1312% | 2,702 |
| Credit loss provision to net charge-offs | 72.4576% | 3,012 |
| Earnings coverage of net charge-offs (x) | 24.7627% | 1,518 |
| Efficiency ratio | 53.9879% | 5,844 |
| Assets per employee ($millions) | 3.4408% | 4,987 |
| Cash dividends to net income (ytd only)* | 131.2341% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 1,734 |
| Loan loss allowance to noncurrent loans | 93.1388% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.4869% | 929 |
| Noncurrent loans to loans | 1.8417% | 1,550 |
| Net loans and leases to total assets | 79.2959% | 841 |
| Net loans and leases to deposits | 95.6417% | 931 |
| Net loans and leases to core deposits | 96.7201% | 1,661 |
| Total domestic deposits to total assets | 82.9093% | 4,113 |
| Equity capital to assets | 16.5616% | 474 |
| Core capital (leverage) ratio | 16.2785% | 444 |
| Tier 1 risk-based capital ratio | 20.5887% | 1,494 |
| Total risk-based capital ratio | 21.8447% | 1,463 |
| Memoranda: | ||
| Average total assets | $222,412,600 | 2,756 |
| Average earning assets | $205,550,400 | 2,746 |
| Average equity | $37,140,200 | 1,895 |
| Average total loans | $179,859,600 | 2,227 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 383 |
| Cost of funding earning assets | 0.1725% | 6,047 |
| Net interest margin | 5.2209% | 199 |
| Noninterest income to average assets | 0.8489% | 1,702 |
| Noninterest expense to average assets | 3.0666% | 2,574 |
| Loan and lease loss provision to assets | 0.0935% | 2,489 |
| Net operating income to assets | 1.5744% | 803 |
| Return on assets (ROA) | 1.5744% | 829 |
| Pretax return on assets | 2.5210% | 200 |
| Return on Equity (ROE) | 9.4096% | 2,493 |
| Retained earnings to average equity (ytd only) | 2.8233% | 4,595 |
| Net charge-offs to loans | 0.3917% | 1,015 |
| Credit loss provision to net charge-offs | 29.5113% | 3,459 |
| Earnings coverage of net charge-offs (x) | 8.2499% | 2,831 |
| Efficiency ratio | 53.9792% | 5,827 |
| Assets per employee ($millions) | 3.5757% | 4,725 |
| Cash dividends to net income (ytd only)* | 69.9964% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 2,527 |
| Loan loss allowance to noncurrent loans | 121.4995% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9748% | 1,462 |
| Noncurrent loans to loans | 1.2702% | 2,521 |
| Net loans and leases to total assets | 77.4072% | 1,041 |
| Net loans and leases to deposits | 93.9160% | 1,050 |
| Net loans and leases to core deposits | 94.9674% | 1,762 |
| Total domestic deposits to total assets | 82.4218% | 4,328 |
| Equity capital to assets | 17.0505% | 421 |
| Core capital (leverage) ratio | 17.0059% | 372 |
| Tier 1 risk-based capital ratio | 21.8057% | 1,290 |
| Total risk-based capital ratio | 23.0593% | 1,272 |
| Memoranda: | ||
| Average total assets | $223,822,500 | 2,768 |
| Average earning assets | $207,162,500 | 2,755 |
| Average equity | $37,450,000 | 1,886 |
| Average total loans | $181,101,500 | 2,232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 394 |
| Cost of funding earning assets | 0.1682% | 6,145 |
| Net interest margin | 5.1956% | 203 |
| Noninterest income to average assets | 0.7785% | 1,922 |
| Noninterest expense to average assets | 3.0383% | 2,702 |
| Loan and lease loss provision to assets | 0.0989% | 2,376 |
| Net operating income to assets | 1.5339% | 822 |
| Return on assets (ROA) | 1.5339% | 860 |
| Pretax return on assets | 2.4567% | 226 |
| Return on Equity (ROE) | 9.2250% | 2,490 |
| Retained earnings to average equity (ytd only) | 3.6000% | 3,900 |
| Net charge-offs to loans | 0.5464% | 748 |
| Credit loss provision to net charge-offs | 22.1557% | 3,175 |
| Earnings coverage of net charge-offs (x) | 5.7265% | 2,879 |
| Efficiency ratio | 54.3153% | 5,888 |
| Assets per employee ($millions) | 3.6696% | 4,505 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 3,012 |
| Loan loss allowance to noncurrent loans | 119.9552% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.9770% | 1,625 |
| Noncurrent loans to loans | 1.2293% | 2,775 |
| Net loans and leases to total assets | 78.5560% | 843 |
| Net loans and leases to deposits | 94.6682% | 910 |
| Net loans and leases to core deposits | 96.0577% | 1,595 |
| Total domestic deposits to total assets | 82.9804% | 4,313 |
| Equity capital to assets | 16.5612% | 472 |
| Core capital (leverage) ratio | 16.9031% | 369 |
| Tier 1 risk-based capital ratio | 21.0897% | 1,433 |
| Total risk-based capital ratio | 22.3429% | 1,404 |
| Memoranda: | ||
| Average total assets | $224,531,670 | 2,775 |
| Average earning assets | $208,099,000 | 2,756 |
| Average equity | $37,333,330 | 1,884 |
| Average total loans | $183,369,330 | 2,192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 374 |
| Cost of funding earning assets | 0.1645% | 6,268 |
| Net interest margin | 5.1972% | 186 |
| Noninterest income to average assets | 0.7371% | 2,004 |
| Noninterest expense to average assets | 3.0075% | 2,838 |
| Loan and lease loss provision to assets | 0.0807% | 2,537 |
| Net operating income to assets | 1.5369% | 752 |
| Return on assets (ROA) | 1.5369% | 786 |
| Pretax return on assets | 2.4641% | 237 |
| Return on Equity (ROE) | 9.2248% | 2,362 |
| Retained earnings to average equity (ytd only) | 3.3046% | 4,141 |
| Net charge-offs to loans | 0.5316% | 695 |
| Credit loss provision to net charge-offs | 18.3673% | 2,524 |
| Earnings coverage of net charge-offs (x) | 5.7918% | 2,330 |
| Efficiency ratio | 54.1667% | 5,997 |
| Assets per employee ($millions) | 3.6435% | 4,636 |
| Cash dividends to net income (ytd only)* | 64.1774% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 2,969 |
| Loan loss allowance to noncurrent loans | 70.6709% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.7995% | 1,065 |
| Noncurrent loans to loans | 2.1796% | 1,673 |
| Net loans and leases to total assets | 81.0677% | 455 |
| Net loans and leases to deposits | 97.7684% | 559 |
| Net loans and leases to core deposits | 99.4186% | 1,141 |
| Total domestic deposits to total assets | 82.9181% | 4,634 |
| Equity capital to assets | 16.5179% | 457 |
| Core capital (leverage) ratio | 17.2088% | 349 |
| Tier 1 risk-based capital ratio | 20.5113% | 1,582 |
| Total risk-based capital ratio | 21.7652% | 1,551 |
| Memoranda: | ||
| Average total assets | $223,040,500 | 2,794 |
| Average earning assets | $206,651,500 | 2,783 |
| Average equity | $37,160,500 | 1,889 |
| Average total loans | $184,353,500 | 2,188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 319 |
| Cost of funding earning assets | 0.1868% | 6,355 |
| Net interest margin | 5.3952% | 156 |
| Noninterest income to average assets | 0.8757% | 1,768 |
| Noninterest expense to average assets | 3.0812% | 2,796 |
| Loan and lease loss provision to assets | 0.2172% | 1,682 |
| Net operating income to assets | 1.6255% | 654 |
| Return on assets (ROA) | 1.6255% | 676 |
| Pretax return on assets | 2.6509% | 168 |
| Return on Equity (ROE) | 9.7336% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.6288% | 4,381 |
| Net charge-offs to loans | 0.2275% | 2,641 |
| Credit loss provision to net charge-offs | 115.8151% | 2,085 |
| Earnings coverage of net charge-offs (x) | 15.2920% | 1,878 |
| Efficiency ratio | 51.7911% | 6,310 |
| Assets per employee ($millions) | 3.5513% | 4,800 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,473 |
| Loan loss allowance to noncurrent loans | 149.7313% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.9607% | 1,840 |
| Noncurrent loans to loans | 1.1204% | 3,296 |
| Net loans and leases to total assets | 81.5897% | 448 |
| Net loans and leases to deposits | 98.5955% | 560 |
| Net loans and leases to core deposits | 100.4131% | 1,122 |
| Total domestic deposits to total assets | 82.7519% | 4,628 |
| Equity capital to assets | 16.8075% | 421 |
| Core capital (leverage) ratio | 17.0564% | 368 |
| Tier 1 risk-based capital ratio | 20.7479% | 1,478 |
| Total risk-based capital ratio | 22.0038% | 1,453 |
| Memoranda: | ||
| Average total assets | $219,135,400 | 2,816 |
| Average earning assets | $206,072,600 | 2,766 |
| Average equity | $36,595,000 | 1,893 |
| Average total loans | $180,660,400 | 2,189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 335 |
| Cost of funding earning assets | 0.1884% | 6,457 |
| Net interest margin | 5.3834% | 169 |
| Noninterest income to average assets | 0.9375% | 1,643 |
| Noninterest expense to average assets | 3.0653% | 2,771 |
| Loan and lease loss provision to assets | 0.2607% | 1,356 |
| Net operating income to assets | 1.6484% | 685 |
| Return on assets (ROA) | 1.6484% | 722 |
| Pretax return on assets | 2.6949% | 183 |
| Return on Equity (ROE) | 9.8869% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.1275% | 4,446 |
| Net charge-offs to loans | 0.0947% | 3,617 |
| Credit loss provision to net charge-offs | 334.3750% | 768 |
| Earnings coverage of net charge-offs (x) | 37.9068% | 1,043 |
| Efficiency ratio | 50.9106% | 6,340 |
| Assets per employee ($millions) | 3.4742% | 4,894 |
| Cash dividends to net income (ytd only)* | 68.3667% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 2,307 |
| Loan loss allowance to noncurrent loans | 174.1425% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 2.1057% | 1,900 |
| Noncurrent loans to loans | 1.0331% | 3,736 |
| Net loans and leases to total assets | 81.0124% | 451 |
| Net loans and leases to deposits | 97.6584% | 590 |
| Net loans and leases to core deposits | 99.6829% | 1,144 |
| Total domestic deposits to total assets | 82.9548% | 4,590 |
| Equity capital to assets | 16.5959% | 462 |
| Core capital (leverage) ratio | 16.7539% | 407 |
| Tier 1 risk-based capital ratio | 21.0069% | 1,491 |
| Total risk-based capital ratio | 22.2645% | 1,464 |
| Memoranda: | ||
| Average total assets | $218,874,000 | 2,844 |
| Average earning assets | $206,678,000 | 2,779 |
| Average equity | $36,492,000 | 1,911 |
| Average total loans | $180,148,000 | 2,197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 353 |
| Cost of funding earning assets | 0.1880% | 6,535 |
| Net interest margin | 5.3571% | 168 |
| Noninterest income to average assets | 0.9361% | 1,700 |
| Noninterest expense to average assets | 3.0737% | 2,748 |
| Loan and lease loss provision to assets | 0.2949% | 1,226 |
| Net operating income to assets | 1.6021% | 745 |
| Return on assets (ROA) | 1.6021% | 818 |
| Pretax return on assets | 2.6209% | 242 |
| Return on Equity (ROE) | 9.5941% | 2,375 |
| Retained earnings to average equity (ytd only) | 3.5428% | 4,065 |
| Net charge-offs to loans | -0.0436% | 6,218 |
| Credit loss provision to net charge-offs | -823.0769% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3190% | 6,325 |
| Assets per employee ($millions) | 3.4098% | 5,037 |
| Cash dividends to net income (ytd only)* | 63.0734% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,232 |
| Loan loss allowance to noncurrent loans | 190.8007% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 1,957 |
| Noncurrent loans to loans | 0.9742% | 3,989 |
| Net loans and leases to total assets | 83.9135% | 243 |
| Net loans and leases to deposits | 102.0913% | 328 |
| Net loans and leases to core deposits | 104.4703% | 817 |
| Total domestic deposits to total assets | 82.1945% | 4,985 |
| Equity capital to assets | 17.3542% | 385 |
| Core capital (leverage) ratio | 17.4601% | 326 |
| Tier 1 risk-based capital ratio | 21.0161% | 1,489 |
| Total risk-based capital ratio | 22.2745% | 1,465 |
| Memoranda: | ||
| Average total assets | $217,715,330 | 2,873 |
| Average earning assets | $205,372,330 | 2,807 |
| Average equity | $36,355,670 | 1,925 |
| Average total loans | $179,053,670 | 2,212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 387 |
| Cost of funding earning assets | 0.1941% | 6,602 |
| Net interest margin | 5.2706% | 175 |
| Noninterest income to average assets | 0.9870% | 1,498 |
| Noninterest expense to average assets | 3.0987% | 2,675 |
| Loan and lease loss provision to assets | 0.3568% | 911 |
| Net operating income to assets | 1.5249% | 813 |
| Return on assets (ROA) | 1.5249% | 888 |
| Pretax return on assets | 2.4974% | 269 |
| Return on Equity (ROE) | 9.3066% | 2,349 |
| Retained earnings to average equity (ytd only) | 3.2275% | 4,312 |
| Net charge-offs to loans | -0.0067% | 5,333 |
| Credit loss provision to net charge-offs | -6,566.6667% | 5,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0535% | 6,376 |
| Assets per employee ($millions) | 3.3450% | 5,341 |
| Cash dividends to net income (ytd only)* | 65.3207% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,644 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 1.9266% | 2,436 |
| Noncurrent loans to loans | 0.7838% | 4,552 |
| Net loans and leases to total assets | 83.2365% | 220 |
| Net loans and leases to deposits | 101.2818% | 304 |
| Net loans and leases to core deposits | 103.7714% | 732 |
| Total domestic deposits to total assets | 82.1831% | 5,133 |
| Equity capital to assets | 17.2427% | 402 |
| Core capital (leverage) ratio | 16.5261% | 399 |
| Tier 1 risk-based capital ratio | 21.1770% | 1,495 |
| Total risk-based capital ratio | 22.4347% | 1,469 |
| Memoranda: | ||
| Average total assets | $220,869,500 | 2,861 |
| Average earning assets | $208,096,500 | 2,801 |
| Average equity | $36,189,500 | 1,951 |
| Average total loans | $178,201,000 | 2,231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6859% | 439 |
| Cost of funding earning assets | 0.2710% | 6,585 |
| Net interest margin | 5.4149% | 193 |
| Noninterest income to average assets | 0.9988% | 1,537 |
| Noninterest expense to average assets | 2.9171% | 3,572 |
| Loan and lease loss provision to assets | 0.3765% | 1,738 |
| Net operating income to assets | 1.7233% | 590 |
| Return on assets (ROA) | 1.7233% | 664 |
| Pretax return on assets | 2.8192% | 170 |
| Return on Equity (ROE) | 11.5012% | 1,655 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,452 |
| Net charge-offs to loans | 0.9282% | 1,211 |
| Credit loss provision to net charge-offs | 49.5516% | 4,714 |
| Earnings coverage of net charge-offs (x) | 4.2057% | 3,444 |
| Efficiency ratio | 47.7216% | 6,724 |
| Assets per employee ($millions) | 3.7258% | 4,518 |
| Cash dividends to net income (ytd only)* | 53.1389% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 2,976 |
| Loan loss allowance to noncurrent loans | 123.6603% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5848% | 1,882 |
| Noncurrent loans to loans | 1.3645% | 3,550 |
| Net loans and leases to total assets | 75.6668% | 968 |
| Net loans and leases to deposits | 90.1115% | 1,066 |
| Net loans and leases to core deposits | 92.0238% | 1,633 |
| Total domestic deposits to total assets | 83.9702% | 4,328 |
| Equity capital to assets | 15.6025% | 620 |
| Core capital (leverage) ratio | 15.7317% | 484 |
| Tier 1 risk-based capital ratio | 21.2347% | 1,410 |
| Total risk-based capital ratio | 22.4913% | 1,383 |
| Memoranda: | ||
| Average total assets | $234,785,800 | 2,678 |
| Average earning assets | $221,740,200 | 2,596 |
| Average equity | $35,179,000 | 1,961 |
| Average total loans | $192,190,600 | 2,077 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 395 |
| Cost of funding earning assets | 0.2854% | 6,672 |
| Net interest margin | 5.5253% | 168 |
| Noninterest income to average assets | 1.0277% | 1,433 |
| Noninterest expense to average assets | 2.9349% | 3,460 |
| Loan and lease loss provision to assets | 0.3552% | 1,837 |
| Net operating income to assets | 1.8111% | 556 |
| Return on assets (ROA) | 1.8111% | 624 |
| Pretax return on assets | 2.9609% | 161 |
| Return on Equity (ROE) | 12.2106% | 1,562 |
| Retained earnings to average equity (ytd only) | 6.2998% | 2,486 |
| Net charge-offs to loans | 0.7341% | 1,509 |
| Credit loss provision to net charge-offs | 58.2560% | 4,200 |
| Earnings coverage of net charge-offs (x) | 5.4388% | 3,029 |
| Efficiency ratio | 46.9508% | 6,772 |
| Assets per employee ($millions) | 3.8147% | 4,267 |
| Cash dividends to net income (ytd only)* | 48.4073% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 2,489 |
| Loan loss allowance to noncurrent loans | 115.6942% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 2.7373% | 1,930 |
| Noncurrent loans to loans | 1.6392% | 3,338 |
| Net loans and leases to total assets | 75.4589% | 1,051 |
| Net loans and leases to deposits | 94.1456% | 784 |
| Net loans and leases to core deposits | 98.6611% | 1,215 |
| Total domestic deposits to total assets | 80.1512% | 5,611 |
| Equity capital to assets | 15.1370% | 792 |
| Core capital (leverage) ratio | 15.5850% | 526 |
| Tier 1 risk-based capital ratio | 20.3732% | 1,663 |
| Total risk-based capital ratio | 21.6320% | 1,634 |
| Memoranda: | ||
| Average total assets | $235,732,000 | 2,698 |
| Average earning assets | $222,847,250 | 2,608 |
| Average equity | $34,963,250 | 1,998 |
| Average total loans | $195,790,500 | 2,066 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9683% | 308 |
| Cost of funding earning assets | 0.3011% | 6,737 |
| Net interest margin | 5.6672% | 139 |
| Noninterest income to average assets | 0.9555% | 1,594 |
| Noninterest expense to average assets | 2.9396% | 3,477 |
| Loan and lease loss provision to assets | 0.4570% | 1,396 |
| Net operating income to assets | 1.7964% | 570 |
| Return on assets (ROA) | 1.7964% | 636 |
| Pretax return on assets | 2.9142% | 169 |
| Return on Equity (ROE) | 12.1958% | 1,606 |
| Retained earnings to average equity (ytd only) | 6.1412% | 2,618 |
| Net charge-offs to loans | 0.8363% | 1,323 |
| Credit loss provision to net charge-offs | 64.2005% | 3,704 |
| Earnings coverage of net charge-offs (x) | 4.7363% | 3,000 |
| Efficiency ratio | 46.5814% | 6,855 |
| Assets per employee ($millions) | 3.8493% | 4,199 |
| Cash dividends to net income (ytd only)* | 49.6454% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,574 |
| Loan loss allowance to noncurrent loans | 125.2174% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 2.6158% | 2,118 |
| Noncurrent loans to loans | 1.5139% | 3,633 |
| Net loans and leases to total assets | 79.3426% | 581 |
| Net loans and leases to deposits | 98.7836% | 481 |
| Net loans and leases to core deposits | 104.3849% | 832 |
| Total domestic deposits to total assets | 80.3196% | 5,659 |
| Equity capital to assets | 14.9978% | 790 |
| Core capital (leverage) ratio | 15.1389% | 579 |
| Tier 1 risk-based capital ratio | 18.8296% | 2,016 |
| Total risk-based capital ratio | 20.0878% | 1,996 |
| Memoranda: | ||
| Average total assets | $235,471,670 | 2,705 |
| Average earning assets | $222,507,330 | 2,615 |
| Average equity | $34,684,000 | 1,995 |
| Average total loans | $200,414,000 | 2,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0238% | 297 |
| Cost of funding earning assets | 0.3195% | 6,780 |
| Net interest margin | 5.7043% | 139 |
| Noninterest income to average assets | 0.8533% | 1,934 |
| Noninterest expense to average assets | 2.8854% | 3,684 |
| Loan and lease loss provision to assets | 0.5140% | 1,173 |
| Net operating income to assets | 1.7353% | 679 |
| Return on assets (ROA) | 1.7353% | 756 |
| Pretax return on assets | 2.8447% | 215 |
| Return on Equity (ROE) | 11.8891% | 1,704 |
| Retained earnings to average equity (ytd only) | 6.0782% | 2,910 |
| Net charge-offs to loans | 0.2489% | 2,678 |
| Credit loss provision to net charge-offs | 236.7188% | 1,195 |
| Earnings coverage of net charge-offs (x) | 15.4688% | 1,416 |
| Efficiency ratio | 46.2103% | 6,888 |
| Assets per employee ($millions) | 3.8010% | 4,418 |
| Cash dividends to net income (ytd only)* | 48.8759% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 2,396 |
| Loan loss allowance to noncurrent loans | 69.9571% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 3.6081% | 1,575 |
| Noncurrent loans to loans | 2.8401% | 2,274 |
| Net loans and leases to total assets | 85.3026% | 141 |
| Net loans and leases to deposits | 100.5733% | 352 |
| Net loans and leases to core deposits | 107.3439% | 629 |
| Total domestic deposits to total assets | 84.8163% | 4,117 |
| Equity capital to assets | 14.7152% | 799 |
| Core capital (leverage) ratio | 14.6967% | 652 |
| Tier 1 risk-based capital ratio | 17.8237% | 2,350 |
| Total risk-based capital ratio | 19.0842% | 2,327 |
| Memoranda: | ||
| Average total assets | $235,804,000 | 2,715 |
| Average earning assets | $222,850,500 | 2,623 |
| Average equity | $34,418,000 | 2,010 |
| Average total loans | $205,670,000 | 1,975 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 498 |
| Cost of funding earning assets | 0.6826% | 5,646 |
| Net interest margin | 5.2390% | 265 |
| Noninterest income to average assets | 0.7067% | 2,561 |
| Noninterest expense to average assets | 2.6174% | 5,026 |
| Loan and lease loss provision to assets | 0.3345% | 3,018 |
| Net operating income to assets | 1.6548% | 600 |
| Return on assets (ROA) | 1.6548% | 642 |
| Pretax return on assets | 2.7065% | 160 |
| Return on Equity (ROE) | 12.3409% | 1,320 |
| Retained earnings to average equity (ytd only) | 6.3003% | 1,851 |
| Net charge-offs to loans | 0.6998% | 2,405 |
| Credit loss provision to net charge-offs | 55.9621% | 5,274 |
| Earnings coverage of net charge-offs (x) | 5.0874% | 2,901 |
| Efficiency ratio | 46.2568% | 7,032 |
| Assets per employee ($millions) | 3.8680% | 4,162 |
| Cash dividends to net income (ytd only)* | 48.9476% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 2,596 |
| Loan loss allowance to noncurrent loans | 69.4074% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5906% | 1,641 |
| Noncurrent loans to loans | 2.7245% | 2,388 |
| Net loans and leases to total assets | 85.7565% | 136 |
| Net loans and leases to deposits | 103.3053% | 329 |
| Net loans and leases to core deposits | 112.5743% | 550 |
| Total domestic deposits to total assets | 83.0127% | 4,745 |
| Equity capital to assets | 14.4770% | 905 |
| Core capital (leverage) ratio | 13.9654% | 831 |
| Tier 1 risk-based capital ratio | 17.4447% | 2,402 |
| Total risk-based capital ratio | 18.7039% | 2,365 |
| Memoranda: | ||
| Average total assets | $246,922,400 | 2,559 |
| Average earning assets | $233,385,400 | 2,467 |
| Average equity | $33,109,400 | 2,013 |
| Average total loans | $210,911,400 | 1,945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 580 |
| Cost of funding earning assets | 0.7078% | 5,707 |
| Net interest margin | 5.1763% | 301 |
| Noninterest income to average assets | 0.6531% | 2,858 |
| Noninterest expense to average assets | 2.6915% | 4,761 |
| Loan and lease loss provision to assets | 0.1340% | 4,757 |
| Net operating income to assets | 1.6640% | 688 |
| Return on assets (ROA) | 1.6640% | 749 |
| Pretax return on assets | 2.7209% | 176 |
| Return on Equity (ROE) | 12.6481% | 1,374 |
| Retained earnings to average equity (ytd only) | 6.5595% | 2,214 |
| Net charge-offs to loans | 0.0383% | 5,611 |
| Credit loss provision to net charge-offs | 411.4754% | 696 |
| Earnings coverage of net charge-offs (x) | 87.6407% | 408 |
| Efficiency ratio | 48.5269% | 6,921 |
| Assets per employee ($millions) | 4.0459% | 3,742 |
| Cash dividends to net income (ytd only)* | 48.1387% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2878% | 1,712 |
| Loan loss allowance to noncurrent loans | 133.1461% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 2.7058% | 2,397 |
| Noncurrent loans to loans | 1.7183% | 3,737 |
| Net loans and leases to total assets | 82.0284% | 354 |
| Net loans and leases to deposits | 97.7372% | 590 |
| Net loans and leases to core deposits | 113.8917% | 555 |
| Total domestic deposits to total assets | 83.9275% | 4,265 |
| Equity capital to assets | 13.6503% | 1,308 |
| Core capital (leverage) ratio | 13.3617% | 1,093 |
| Tier 1 risk-based capital ratio | 17.2493% | 2,549 |
| Total risk-based capital ratio | 18.5139% | 2,505 |
| Memoranda: | ||
| Average total assets | $249,666,250 | 2,535 |
| Average earning assets | $236,019,000 | 2,449 |
| Average equity | $32,847,250 | 2,024 |
| Average total loans | $212,079,250 | 1,957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 567 |
| Cost of funding earning assets | 0.7340% | 5,758 |
| Net interest margin | 5.1754% | 290 |
| Noninterest income to average assets | 0.5594% | 3,406 |
| Noninterest expense to average assets | 2.6558% | 4,983 |
| Loan and lease loss provision to assets | 0.1748% | 4,175 |
| Net operating income to assets | 1.6000% | 734 |
| Return on assets (ROA) | 1.6000% | 776 |
| Pretax return on assets | 2.6183% | 209 |
| Return on Equity (ROE) | 12.3132% | 1,406 |
| Retained earnings to average equity (ytd only) | 5.8649% | 2,508 |
| Net charge-offs to loans | 0.0178% | 5,591 |
| Credit loss provision to net charge-offs | 1,152.6316% | 295 |
| Earnings coverage of net charge-offs (x) | 184.2105% | 202 |
| Efficiency ratio | 48.7405% | 7,019 |
| Assets per employee ($millions) | 3.9433% | 3,884 |
| Cash dividends to net income (ytd only)* | 52.3691% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2893% | 1,765 |
| Loan loss allowance to noncurrent loans | 131.9444% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 2.7586% | 2,427 |
| Noncurrent loans to loans | 1.7350% | 3,838 |
| Net loans and leases to total assets | 81.6086% | 402 |
| Net loans and leases to deposits | 96.7654% | 664 |
| Net loans and leases to core deposits | 117.3233% | 495 |
| Total domestic deposits to total assets | 84.3366% | 4,201 |
| Equity capital to assets | 13.2957% | 1,384 |
| Core capital (leverage) ratio | 13.0673% | 1,130 |
| Tier 1 risk-based capital ratio | 16.7907% | 2,610 |
| Total risk-based capital ratio | 18.0550% | 2,569 |
| Memoranda: | ||
| Average total assets | $250,621,330 | 2,542 |
| Average earning assets | $236,773,670 | 2,459 |
| Average equity | $32,566,670 | 2,025 |
| Average total loans | $213,710,000 | 1,961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8735% | 635 |
| Cost of funding earning assets | 0.7439% | 5,900 |
| Net interest margin | 5.1297% | 288 |
| Noninterest income to average assets | 0.5864% | 3,261 |
| Noninterest expense to average assets | 2.6299% | 5,115 |
| Loan and lease loss provision to assets | 0.1891% | 3,734 |
| Net operating income to assets | 1.5923% | 706 |
| Return on assets (ROA) | 1.5923% | 751 |
| Pretax return on assets | 2.6108% | 219 |
| Return on Equity (ROE) | 12.3952% | 1,355 |
| Retained earnings to average equity (ytd only) | 6.8285% | 2,225 |
| Net charge-offs to loans | -0.0018% | 6,176 |
| Credit loss provision to net charge-offs | -11,900.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4343% | 7,099 |
| Assets per employee ($millions) | 4.0425% | 3,753 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 1,997 |
| Loan loss allowance to noncurrent loans | 117.9293% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 2.8779% | 2,397 |
| Noncurrent loans to loans | 1.8527% | 3,753 |
| Net loans and leases to total assets | 83.4168% | 254 |
| Net loans and leases to deposits | 98.7740% | 534 |
| Net loans and leases to core deposits | 120.2893% | 408 |
| Total domestic deposits to total assets | 84.4522% | 4,295 |
| Equity capital to assets | 13.0123% | 1,378 |
| Core capital (leverage) ratio | 12.9432% | 1,135 |
| Tier 1 risk-based capital ratio | 16.0985% | 2,857 |
| Total risk-based capital ratio | 17.3616% | 2,827 |
| Memoranda: | ||
| Average total assets | $251,719,000 | 2,555 |
| Average earning assets | $237,676,000 | 2,467 |
| Average equity | $32,335,000 | 2,022 |
| Average total loans | $216,821,500 | 1,952 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2261% | 538 |
| Cost of funding earning assets | 0.8735% | 6,281 |
| Net interest margin | 5.3527% | 219 |
| Noninterest income to average assets | 0.6422% | 3,197 |
| Noninterest expense to average assets | 2.7822% | 4,667 |
| Loan and lease loss provision to assets | 0.5944% | 2,760 |
| Net operating income to assets | 1.3991% | 956 |
| Return on assets (ROA) | 1.3991% | 1,025 |
| Pretax return on assets | 2.2775% | 264 |
| Return on Equity (ROE) | 11.2249% | 1,519 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,133 |
| Net charge-offs to loans | 0.4170% | 3,953 |
| Credit loss provision to net charge-offs | 158.3864% | 2,218 |
| Earnings coverage of net charge-offs (x) | 7.6529% | 2,092 |
| Efficiency ratio | 49.2074% | 7,190 |
| Assets per employee ($millions) | 4.0775% | 3,625 |
| Cash dividends to net income (ytd only)* | 51.2528% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 2,133 |
| Loan loss allowance to noncurrent loans | 108.2045% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 3.1617% | 2,235 |
| Noncurrent loans to loans | 1.9122% | 3,670 |
| Net loans and leases to total assets | 85.1854% | 228 |
| Net loans and leases to deposits | 100.2420% | 561 |
| Net loans and leases to core deposits | 122.8265% | 454 |
| Total domestic deposits to total assets | 84.9797% | 3,858 |
| Equity capital to assets | 12.6805% | 1,540 |
| Core capital (leverage) ratio | 12.8227% | 1,187 |
| Tier 1 risk-based capital ratio | 15.4997% | 2,996 |
| Total risk-based capital ratio | 16.7614% | 2,956 |
| Memoranda: | ||
| Average total assets | $251,020,000 | 2,540 |
| Average earning assets | $235,042,000 | 2,478 |
| Average equity | $31,287,600 | 2,096 |
| Average total loans | $225,916,200 | 1,932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3085% | 498 |
| Cost of funding earning assets | 0.8978% | 6,401 |
| Net interest margin | 5.4107% | 201 |
| Noninterest income to average assets | 0.8386% | 2,037 |
| Noninterest expense to average assets | 2.7696% | 4,599 |
| Loan and lease loss provision to assets | 0.5848% | 2,597 |
| Net operating income to assets | 1.5622% | 801 |
| Return on assets (ROA) | 1.5622% | 877 |
| Pretax return on assets | 2.5413% | 210 |
| Return on Equity (ROE) | 12.5890% | 1,366 |
| Retained earnings to average equity (ytd only) | 6.5861% | 2,050 |
| Net charge-offs to loans | 0.2632% | 4,374 |
| Credit loss provision to net charge-offs | 244.7661% | 1,371 |
| Earnings coverage of net charge-offs (x) | 13.0847% | 1,621 |
| Efficiency ratio | 46.9765% | 7,333 |
| Assets per employee ($millions) | 3.8634% | 4,111 |
| Cash dividends to net income (ytd only)* | 47.6839% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 2,030 |
| Loan loss allowance to noncurrent loans | 124.2319% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 3.7885% | 1,877 |
| Noncurrent loans to loans | 1.6808% | 4,120 |
| Net loans and leases to total assets | 89.5868% | 67 |
| Net loans and leases to deposits | 106.0829% | 363 |
| Net loans and leases to core deposits | 128.3413% | 405 |
| Total domestic deposits to total assets | 84.4498% | 3,897 |
| Equity capital to assets | 13.1010% | 1,524 |
| Core capital (leverage) ratio | 12.7935% | 1,302 |
| Tier 1 risk-based capital ratio | 15.1940% | 3,161 |
| Total risk-based capital ratio | 16.4557% | 3,123 |
| Memoranda: | ||
| Average total assets | $250,573,750 | 2,573 |
| Average earning assets | $234,198,250 | 2,524 |
| Average equity | $31,095,250 | 2,125 |
| Average total loans | $227,419,500 | 1,940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2590% | 553 |
| Cost of funding earning assets | 0.9101% | 6,536 |
| Net interest margin | 5.3489% | 225 |
| Noninterest income to average assets | 0.7416% | 2,447 |
| Noninterest expense to average assets | 2.7031% | 4,891 |
| Loan and lease loss provision to assets | 0.5013% | 2,795 |
| Net operating income to assets | 1.5599% | 796 |
| Return on assets (ROA) | 1.5599% | 850 |
| Pretax return on assets | 2.5371% | 220 |
| Return on Equity (ROE) | 12.7987% | 1,287 |
| Retained earnings to average equity (ytd only) | 6.3118% | 2,161 |
| Net charge-offs to loans | 0.2044% | 4,390 |
| Credit loss provision to net charge-offs | 270.9402% | 1,391 |
| Earnings coverage of net charge-offs (x) | 16.4231% | 1,405 |
| Efficiency ratio | 47.0807% | 7,392 |
| Assets per employee ($millions) | 3.9076% | 3,958 |
| Cash dividends to net income (ytd only)* | 50.6842% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 2,286 |
| Loan loss allowance to noncurrent loans | 105.2128% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 4.2001% | 1,606 |
| Noncurrent loans to loans | 1.8593% | 3,920 |
| Net loans and leases to total assets | 88.1758% | 121 |
| Net loans and leases to deposits | 103.5777% | 505 |
| Net loans and leases to core deposits | 127.1767% | 481 |
| Total domestic deposits to total assets | 85.1301% | 3,559 |
| Equity capital to assets | 12.5247% | 1,783 |
| Core capital (leverage) ratio | 12.5441% | 1,393 |
| Tier 1 risk-based capital ratio | 14.6941% | 3,330 |
| Total risk-based capital ratio | 15.9542% | 3,297 |
| Memoranda: | ||
| Average total assets | $252,967,330 | 2,576 |
| Average earning assets | $236,460,000 | 2,527 |
| Average equity | $30,831,330 | 2,140 |
| Average total loans | $228,993,330 | 1,948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2664% | 562 |
| Cost of funding earning assets | 0.9526% | 6,565 |
| Net interest margin | 5.3139% | 239 |
| Noninterest income to average assets | 0.6525% | 2,920 |
| Noninterest expense to average assets | 2.6729% | 5,043 |
| Loan and lease loss provision to assets | 0.4811% | 2,578 |
| Net operating income to assets | 1.5188% | 869 |
| Return on assets (ROA) | 1.5188% | 931 |
| Pretax return on assets | 2.4716% | 263 |
| Return on Equity (ROE) | 12.6334% | 1,341 |
| Retained earnings to average equity (ytd only) | 6.0944% | 2,579 |
| Net charge-offs to loans | 0.0970% | 4,449 |
| Credit loss provision to net charge-offs | 546.4286% | 782 |
| Earnings coverage of net charge-offs (x) | 33.5357% | 802 |
| Efficiency ratio | 47.5126% | 7,474 |
| Assets per employee ($millions) | 3.9236% | 4,047 |
| Cash dividends to net income (ytd only)* | 51.7598% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 2,550 |
| Loan loss allowance to noncurrent loans | 362.0102% | 864 |
| Noncurrent assets plus other real estate owned to assets | 2.7145% | 2,680 |
| Noncurrent loans to loans | 0.5137% | 6,263 |
| Net loans and leases to total assets | 87.9484% | 125 |
| Net loans and leases to deposits | 103.1136% | 582 |
| Net loans and leases to core deposits | 133.4579% | 415 |
| Total domestic deposits to total assets | 85.2927% | 3,513 |
| Equity capital to assets | 12.0834% | 1,996 |
| Core capital (leverage) ratio | 12.0959% | 1,600 |
| Tier 1 risk-based capital ratio | 14.1421% | 3,572 |
| Total risk-based capital ratio | 15.4009% | 3,533 |
| Memoranda: | ||
| Average total assets | $254,406,500 | 2,609 |
| Average earning assets | $238,094,500 | 2,553 |
| Average equity | $30,585,500 | 2,180 |
| Average total loans | $231,031,000 | 1,991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 1,527 |
| Cost of funding earning assets | 1.3469% | 6,154 |
| Net interest margin | 4.7489% | 765 |
| Noninterest income to average assets | 0.5812% | 3,776 |
| Noninterest expense to average assets | 2.6590% | 5,561 |
| Loan and lease loss provision to assets | 0.4169% | 4,318 |
| Net operating income to assets | 1.2131% | 1,217 |
| Return on assets (ROA) | 1.2131% | 1,264 |
| Pretax return on assets | 1.9757% | 425 |
| Return on Equity (ROE) | 10.7486% | 1,489 |
| Retained earnings to average equity (ytd only) | 5.2612% | 1,696 |
| Net charge-offs to loans | 0.1203% | 5,972 |
| Credit loss provision to net charge-offs | 378.5467% | 842 |
| Earnings coverage of net charge-offs (x) | 21.7232% | 986 |
| Efficiency ratio | 52.6367% | 7,340 |
| Assets per employee ($millions) | 3.9043% | 4,014 |
| Cash dividends to net income (ytd only)* | 51.0525% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 2,859 |
| Loan loss allowance to noncurrent loans | 3,883.4951% | 111 |
| Noncurrent assets plus other real estate owned to assets | 2.1042% | 3,265 |
| Noncurrent loans to loans | 0.0441% | 7,323 |
| Net loans and leases to total assets | 90.4385% | 75 |
| Net loans and leases to deposits | 105.7206% | 568 |
| Net loans and leases to core deposits | 125.7262% | 1,539 |
| Total domestic deposits to total assets | 85.5448% | 3,266 |
| Equity capital to assets | 11.9609% | 2,053 |
| Core capital (leverage) ratio | 11.6008% | 1,865 |
| Tier 1 risk-based capital ratio | 13.7055% | 3,680 |
| Total risk-based capital ratio | 14.9622% | 3,616 |
| Memoranda: | ||
| Average total assets | $262,394,200 | 2,494 |
| Average earning assets | $247,005,000 | 2,432 |
| Average equity | $29,613,200 | 2,256 |
| Average total loans | $240,155,800 | 1,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0267% | 1,926 |
| Cost of funding earning assets | 1.4093% | 6,193 |
| Net interest margin | 4.6175% | 964 |
| Noninterest income to average assets | 0.5977% | 3,730 |
| Noninterest expense to average assets | 2.5366% | 5,949 |
| Loan and lease loss provision to assets | 0.3931% | 3,956 |
| Net operating income to assets | 1.2418% | 1,366 |
| Return on assets (ROA) | 1.2418% | 1,432 |
| Pretax return on assets | 2.0210% | 521 |
| Return on Equity (ROE) | 11.1637% | 1,576 |
| Retained earnings to average equity (ytd only) | 5.6136% | 2,150 |
| Net charge-offs to loans | 0.1516% | 5,197 |
| Credit loss provision to net charge-offs | 283.6364% | 1,478 |
| Earnings coverage of net charge-offs (x) | 17.4181% | 1,408 |
| Efficiency ratio | 51.2369% | 7,470 |
| Assets per employee ($millions) | 3.9558% | 3,814 |
| Cash dividends to net income (ytd only)* | 49.7159% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 3,120 |
| Loan loss allowance to noncurrent loans | 956.0724% | 372 |
| Noncurrent assets plus other real estate owned to assets | 2.3820% | 2,891 |
| Noncurrent loans to loans | 0.1642% | 7,073 |
| Net loans and leases to total assets | 88.8427% | 159 |
| Net loans and leases to deposits | 103.1493% | 832 |
| Net loans and leases to core deposits | 125.0062% | 1,814 |
| Total domestic deposits to total assets | 86.1301% | 2,628 |
| Equity capital to assets | 11.5047% | 2,578 |
| Core capital (leverage) ratio | 11.3970% | 2,127 |
| Tier 1 risk-based capital ratio | 13.3248% | 3,971 |
| Total risk-based capital ratio | 14.5796% | 3,916 |
| Memoranda: | ||
| Average total assets | $264,548,500 | 2,483 |
| Average earning assets | $249,393,000 | 2,431 |
| Average equity | $29,428,000 | 2,294 |
| Average total loans | $241,816,750 | 1,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 2,452 |
| Cost of funding earning assets | 1.4634% | 6,282 |
| Net interest margin | 4.4683% | 1,251 |
| Noninterest income to average assets | 0.5472% | 4,054 |
| Noninterest expense to average assets | 2.5201% | 6,051 |
| Loan and lease loss provision to assets | 0.2258% | 4,768 |
| Net operating income to assets | 1.1983% | 1,481 |
| Return on assets (ROA) | 1.1983% | 1,565 |
| Pretax return on assets | 2.0188% | 535 |
| Return on Equity (ROE) | 10.8948% | 1,731 |
| Retained earnings to average equity (ytd only) | 5.2489% | 2,369 |
| Net charge-offs to loans | -0.0041% | 7,513 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8910% | 7,449 |
| Assets per employee ($millions) | 3.9724% | 3,731 |
| Cash dividends to net income (ytd only)* | 51.8216% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 3,421 |
| Loan loss allowance to noncurrent loans | 119.3724% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 2.3709% | 2,735 |
| Noncurrent loans to loans | 1.2213% | 4,765 |
| Net loans and leases to total assets | 90.2334% | 120 |
| Net loans and leases to deposits | 104.4219% | 881 |
| Net loans and leases to core deposits | 123.3990% | 2,078 |
| Total domestic deposits to total assets | 86.4123% | 2,560 |
| Equity capital to assets | 11.2763% | 2,696 |
| Core capital (leverage) ratio | 10.9903% | 2,403 |
| Tier 1 risk-based capital ratio | 12.9855% | 4,160 |
| Total risk-based capital ratio | 14.2392% | 4,075 |
| Memoranda: | ||
| Average total assets | $265,703,330 | 2,480 |
| Average earning assets | $250,789,670 | 2,436 |
| Average equity | $29,225,000 | 2,325 |
| Average total loans | $243,871,000 | 1,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 2,789 |
| Cost of funding earning assets | 1.5140% | 6,364 |
| Net interest margin | 4.3873% | 1,381 |
| Noninterest income to average assets | 0.7313% | 2,697 |
| Noninterest expense to average assets | 2.3928% | 6,217 |
| Loan and lease loss provision to assets | 0.2423% | 4,039 |
| Net operating income to assets | 1.3848% | 1,171 |
| Return on assets (ROA) | 1.3848% | 1,263 |
| Pretax return on assets | 2.2522% | 395 |
| Return on Equity (ROE) | 12.7480% | 1,454 |
| Retained earnings to average equity (ytd only) | 7.2413% | 2,114 |
| Net charge-offs to loans | 0.0033% | 5,683 |
| Credit loss provision to net charge-offs | 8,100.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 18 |
| Efficiency ratio | 48.9596% | 7,668 |
| Assets per employee ($millions) | 4.1332% | 3,390 |
| Cash dividends to net income (ytd only)* | 43.1965% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 3,671 |
| Loan loss allowance to noncurrent loans | 60.3309% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 2,661 |
| Noncurrent loans to loans | 2.2720% | 2,897 |
| Net loans and leases to total assets | 88.4949% | 230 |
| Net loans and leases to deposits | 101.7427% | 1,205 |
| Net loans and leases to core deposits | 128.9270% | 1,721 |
| Total domestic deposits to total assets | 86.9791% | 2,229 |
| Equity capital to assets | 10.7473% | 3,237 |
| Core capital (leverage) ratio | 11.1047% | 2,424 |
| Tier 1 risk-based capital ratio | 12.7373% | 4,357 |
| Total risk-based capital ratio | 13.9898% | 4,277 |
| Memoranda: | ||
| Average total assets | $267,466,000 | 2,486 |
| Average earning assets | $253,366,500 | 2,422 |
| Average equity | $29,055,500 | 2,341 |
| Average total loans | $245,770,500 | 1,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1036% | 910 |
| Cost of funding earning assets | 2.2976% | 5,159 |
| Net interest margin | 4.8061% | 776 |
| Noninterest income to average assets | 0.7402% | 2,840 |
| Noninterest expense to average assets | 2.5239% | 5,916 |
| Loan and lease loss provision to assets | 0.3040% | 3,941 |
| Net operating income to assets | 1.5082% | 1,003 |
| Return on assets (ROA) | 1.5082% | 970 |
| Pretax return on assets | 2.4547% | 215 |
| Return on Equity (ROE) | 13.9658% | 1,115 |
| Retained earnings to average equity (ytd only) | 6.8112% | 1,217 |
| Net charge-offs to loans | 0.1121% | 5,151 |
| Credit loss provision to net charge-offs | 289.3382% | 1,569 |
| Earnings coverage of net charge-offs (x) | 26.2537% | 1,296 |
| Efficiency ratio | 47.7768% | 7,823 |
| Assets per employee ($millions) | 3.8550% | 3,846 |
| Cash dividends to net income (ytd only)* | 51.2295% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 3,820 |
| Loan loss allowance to noncurrent loans | 72.1056% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.8853% | 2,610 |
| Noncurrent loans to loans | 1.7955% | 3,067 |
| Net loans and leases to total assets | 92.9213% | 55 |
| Net loans and leases to deposits | 113.7207% | 622 |
| Net loans and leases to core deposits | 143.0905% | 1,130 |
| Total domestic deposits to total assets | 81.7101% | 4,315 |
| Equity capital to assets | 10.9839% | 3,050 |
| Core capital (leverage) ratio | 11.0690% | 2,538 |
| Tier 1 risk-based capital ratio | 12.3139% | 4,578 |
| Total risk-based capital ratio | 13.5652% | 4,458 |
| Memoranda: | ||
| Average total assets | $258,847,400 | 2,472 |
| Average earning assets | $244,649,600 | 2,412 |
| Average equity | $27,954,000 | 2,415 |
| Average total loans | $242,695,400 | 1,949 |