Home > Bank of Utica > Performance and Condition Ratios
Bank of Utica, 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 | 3.0458% | 4,514 |
| Cost of funding earning assets | 1.2478% | 2,662 |
| Net interest margin | 1.7980% | 4,459 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 0.6625% | 4,524 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8780% | 2,612 |
| Return on assets (ROA) | 1.3969% | 1,195 |
| Pretax return on assets | 1.7384% | 990 |
| Return on Equity (ROE) | 6.1400% | 3,492 |
| Retained earnings to average equity (ytd only) | 4.6549% | 2,734 |
| Net charge-offs to loans | 0.1857% | 577 |
| Credit loss provision to net charge-offs | 85.9375% | 1,975 |
| Earnings coverage of net charge-offs (x) | 77.5208% | 1,043 |
| Efficiency ratio | 37.5435% | 4,410 |
| Assets per employee ($millions) | 30.1159% | 49 |
| Cash dividends to net income (ytd only)* | 24.1876% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,539 |
| Loan loss allowance to noncurrent loans | 497.5610% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,645 |
| Noncurrent loans to loans | 0.1910% | 2,558 |
| Net loans and leases to total assets | 8.2100% | 4,453 |
| Net loans and leases to deposits | 11.1684% | 4,452 |
| Net loans and leases to core deposits | 12.1561% | 4,472 |
| Total domestic deposits to total assets | 73.5100% | 4,132 |
| Equity capital to assets | 24.4065% | 204 |
| Core capital (leverage) ratio | 24.5401% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,350,480,800 | 769 |
| Average earning assets | $1,312,471,400 | 736 |
| Average equity | $307,248,800 | 391 |
| Average total loans | $103,384,200 | 3,138 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9998% | 4,528 |
| Cost of funding earning assets | 1.1867% | 2,469 |
| Net interest margin | 1.8131% | 4,479 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 0.6599% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9448% | 2,532 |
| Return on assets (ROA) | 0.9194% | 2,606 |
| Pretax return on assets | 1.1058% | 2,552 |
| Return on Equity (ROE) | 4.1100% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.1286% | 3,482 |
| Net charge-offs to loans | -0.0299% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 36.7370% | 4,433 |
| Assets per employee ($millions) | 29.5638% | 50 |
| Cash dividends to net income (ytd only)* | 23.9158% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,207 |
| Loan loss allowance to noncurrent loans | 115.8009% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,131 |
| Noncurrent loans to loans | 0.8900% | 926 |
| Net loans and leases to total assets | 7.9000% | 4,481 |
| Net loans and leases to deposits | 10.5932% | 4,481 |
| Net loans and leases to core deposits | 11.3515% | 4,464 |
| Total domestic deposits to total assets | 74.5700% | 4,117 |
| Equity capital to assets | 23.7480% | 212 |
| Core capital (leverage) ratio | 23.3271% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,364,355,000 | 768 |
| Average earning assets | $1,326,216,500 | 732 |
| Average equity | $305,046,000 | 393 |
| Average total loans | $102,394,250 | 3,149 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9527% | 4,558 |
| Cost of funding earning assets | 1.1264% | 2,203 |
| Net interest margin | 1.8262% | 4,534 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 0.6447% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9646% | 2,530 |
| Return on assets (ROA) | 0.9624% | 2,530 |
| Pretax return on assets | 1.1613% | 2,470 |
| Return on Equity (ROE) | 4.3900% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.9083% | 3,500 |
| Net charge-offs to loans | -0.0137% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 35.6425% | 4,482 |
| Assets per employee ($millions) | 30.8112% | 45 |
| Cash dividends to net income (ytd only)* | 33.7483% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,199 |
| Loan loss allowance to noncurrent loans | 123.1308% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,133 |
| Noncurrent loans to loans | 0.8521% | 895 |
| Net loans and leases to total assets | 7.3300% | 4,513 |
| Net loans and leases to deposits | 9.6904% | 4,513 |
| Net loans and leases to core deposits | 10.3305% | 4,498 |
| Total domestic deposits to total assets | 75.6700% | 4,072 |
| Equity capital to assets | 22.5844% | 219 |
| Core capital (leverage) ratio | 22.5002% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,385,537,333 | 747 |
| Average earning assets | $1,347,252,000 | 718 |
| Average equity | $303,756,000 | 379 |
| Average total loans | $101,919,000 | 3,157 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9240% | 4,576 |
| Cost of funding earning assets | 1.0521% | 1,877 |
| Net interest margin | 1.8718% | 4,594 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 0.6549% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2424% | 1,814 |
| Return on assets (ROA) | 0.0823% | 4,419 |
| Pretax return on assets | 0.0377% | 4,434 |
| Return on Equity (ROE) | 0.3800% | 4,426 |
| Retained earnings to average equity (ytd only) | 0.3808% | 3,967 |
| Net charge-offs to loans | -0.0117% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.3476% | 4,551 |
| Assets per employee ($millions) | 31.3522% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,424 |
| Loan loss allowance to noncurrent loans | 146.5084% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,261 |
| Noncurrent loans to loans | 0.6974% | 1,092 |
| Net loans and leases to total assets | 7.3700% | 4,583 |
| Net loans and leases to deposits | 9.6145% | 4,584 |
| Net loans and leases to core deposits | 10.3614% | 4,568 |
| Total domestic deposits to total assets | 76.6200% | 4,111 |
| Equity capital to assets | 21.8954% | 197 |
| Core capital (leverage) ratio | 21.6152% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,400,459,500 | 761 |
| Average earning assets | $1,361,443,500 | 720 |
| Average equity | $302,546,500 | 390 |
| Average total loans | $102,648,000 | 3,179 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7941% | 4,328 |
| Cost of funding earning assets | 0.8659% | 293 |
| Net interest margin | 1.9282% | 4,571 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 0.6500% | 4,681 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1128% | 2,117 |
| Return on assets (ROA) | 0.7742% | 3,352 |
| Pretax return on assets | 0.8992% | 3,359 |
| Return on Equity (ROE) | 3.9200% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.4225% | 3,880 |
| Net charge-offs to loans | 0.2617% | 303 |
| Credit loss provision to net charge-offs | 45.3571% | 1,840 |
| Earnings coverage of net charge-offs (x) | 69.7750% | 1,162 |
| Efficiency ratio | 33.3072% | 4,629 |
| Assets per employee ($millions) | 31.5872% | 41 |
| Cash dividends to net income (ytd only)* | 38.1776% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,262 |
| Loan loss allowance to noncurrent loans | 201.5414% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,435 |
| Noncurrent loans to loans | 0.5057% | 1,438 |
| Net loans and leases to total assets | 7.1500% | 4,615 |
| Net loans and leases to deposits | 9.2906% | 4,618 |
| Net loans and leases to core deposits | 10.0441% | 4,600 |
| Total domestic deposits to total assets | 76.9200% | 4,181 |
| Equity capital to assets | 21.3200% | 202 |
| Core capital (leverage) ratio | 20.8615% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,501,166,400 | 698 |
| Average earning assets | $1,461,264,800 | 671 |
| Average equity | $296,592,200 | 392 |
| Average total loans | $107,011,200 | 3,057 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7469% | 4,249 |
| Cost of funding earning assets | 0.8294% | 139 |
| Net interest margin | 1.9175% | 4,577 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.6028% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1003% | 2,095 |
| Return on assets (ROA) | -0.3445% | 4,648 |
| Pretax return on assets | -0.5079% | 4,659 |
| Return on Equity (ROE) | -1.7800% | 4,611 |
| Retained earnings to average equity (ytd only) | -2.7649% | 4,524 |
| Net charge-offs to loans | -0.0173% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 31.3346% | 4,680 |
| Assets per employee ($millions) | 31.2425% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 2,758 |
| Loan loss allowance to noncurrent loans | 165.3951% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,387 |
| Noncurrent loans to loans | 0.7002% | 1,167 |
| Net loans and leases to total assets | 7.0600% | 4,657 |
| Net loans and leases to deposits | 8.9347% | 4,659 |
| Net loans and leases to core deposits | 9.6992% | 4,643 |
| Total domestic deposits to total assets | 78.9800% | 4,180 |
| Equity capital to assets | 19.7320% | 224 |
| Core capital (leverage) ratio | 19.3053% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,521,102,000 | 699 |
| Average earning assets | $1,481,102,000 | 668 |
| Average equity | $294,978,500 | 392 |
| Average total loans | $108,106,500 | 3,061 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6990% | 4,144 |
| Cost of funding earning assets | 0.8113% | 96 |
| Net interest margin | 1.8877% | 4,604 |
| Noninterest income to average assets | 0.0705% | 4,583 |
| Noninterest expense to average assets | 0.6081% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0847% | 1,834 |
| Return on assets (ROA) | -0.4118% | 4,651 |
| Pretax return on assets | -0.5934% | 4,665 |
| Return on Equity (ROE) | -2.1353% | 4,621 |
| Retained earnings to average equity (ytd only) | -3.6094% | 4,487 |
| Net charge-offs to loans | -0.0201% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8535% | 4,704 |
| Assets per employee ($millions) | 34.0588% | 37 |
| Cash dividends to net income (ytd only)* | -69.0341% | 4,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,047 |
| Loan loss allowance to noncurrent loans | 154.6616% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,476 |
| Noncurrent loans to loans | 0.7295% | 1,182 |
| Net loans and leases to total assets | 6.9240% | 4,720 |
| Net loans and leases to deposits | 8.6995% | 4,724 |
| Net loans and leases to core deposits | 9.4446% | 4,713 |
| Total domestic deposits to total assets | 79.5902% | 4,258 |
| Equity capital to assets | 18.9546% | 196 |
| Core capital (leverage) ratio | 18.6723% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,538,669,667 | 686 |
| Average earning assets | $1,498,574,667 | 663 |
| Average equity | $296,723,000 | 392 |
| Average total loans | $109,198,333 | 3,073 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6469% | 4,041 |
| Cost of funding earning assets | 0.8205% | 79 |
| Net interest margin | 1.8264% | 4,608 |
| Noninterest income to average assets | 0.1144% | 4,434 |
| Noninterest expense to average assets | 0.6082% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0313% | 1,757 |
| Return on assets (ROA) | 2.0596% | 199 |
| Pretax return on assets | 2.5704% | 166 |
| Return on Equity (ROE) | 10.5900% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.5900% | 874 |
| Net charge-offs to loans | -0.0254% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1228% | 4,727 |
| Assets per employee ($millions) | 35.4088% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,868 |
| Loan loss allowance to noncurrent loans | 113.8679% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,381 |
| Noncurrent loans to loans | 1.0534% | 855 |
| Net loans and leases to total assets | 6.3816% | 4,749 |
| Net loans and leases to deposits | 8.0866% | 4,753 |
| Net loans and leases to core deposits | 8.8228% | 4,742 |
| Total domestic deposits to total assets | 78.9151% | 4,352 |
| Equity capital to assets | 19.4995% | 175 |
| Core capital (leverage) ratio | 19.8220% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,541,680,500 | 686 |
| Average earning assets | $1,501,526,500 | 663 |
| Average equity | $299,831,000 | 400 |
| Average total loans | $110,132,000 | 3,063 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8506% | 4,133 |
| Cost of funding earning assets | 0.9305% | 96 |
| Net interest margin | 1.9201% | 4,633 |
| Noninterest income to average assets | 0.0155% | 4,777 |
| Noninterest expense to average assets | 0.6362% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0084% | 2,635 |
| Return on assets (ROA) | 2.6426% | 143 |
| Pretax return on assets | 3.2912% | 111 |
| Return on Equity (ROE) | 13.7682% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.2485% | 510 |
| Net charge-offs to loans | 0.3715% | 227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 40.0617% | 1,440 |
| Efficiency ratio | 33.7582% | 4,770 |
| Assets per employee ($millions) | 35.4738% | 43 |
| Cash dividends to net income (ytd only)* | 11.0378% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,739 |
| Loan loss allowance to noncurrent loans | 129.3103% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,560 |
| Noncurrent loans to loans | 0.7757% | 1,314 |
| Net loans and leases to total assets | 7.7642% | 4,789 |
| Net loans and leases to deposits | 9.8407% | 4,789 |
| Net loans and leases to core deposits | 10.8256% | 4,777 |
| Total domestic deposits to total assets | 78.8989% | 4,328 |
| Equity capital to assets | 19.3961% | 198 |
| Core capital (leverage) ratio | 19.5073% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,457,026,800 | 697 |
| Average earning assets | $1,418,205,200 | 673 |
| Average equity | $279,659,400 | 413 |
| Average total loans | $122,210,600 | 2,933 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9087% | 4,159 |
| Cost of funding earning assets | 0.9507% | 106 |
| Net interest margin | 1.9580% | 4,696 |
| Noninterest income to average assets | 0.0305% | 4,831 |
| Noninterest expense to average assets | 0.5861% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0789% | 2,632 |
| Return on assets (ROA) | 2.3035% | 285 |
| Pretax return on assets | 2.8801% | 204 |
| Return on Equity (ROE) | 12.0346% | 2,034 |
| Retained earnings to average equity (ytd only) | 11.0371% | 1,060 |
| Net charge-offs to loans | -0.0640% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2813% | 4,859 |
| Assets per employee ($millions) | 35.6498% | 43 |
| Cash dividends to net income (ytd only)* | 8.2888% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,038 |
| Loan loss allowance to noncurrent loans | 103.1928% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 3,372 |
| Noncurrent loans to loans | 1.3531% | 793 |
| Net loans and leases to total assets | 8.0789% | 4,860 |
| Net loans and leases to deposits | 10.1613% | 4,859 |
| Net loans and leases to core deposits | 11.1208% | 4,850 |
| Total domestic deposits to total assets | 79.5070% | 4,297 |
| Equity capital to assets | 18.9958% | 228 |
| Core capital (leverage) ratio | 19.1918% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,439,940,500 | 714 |
| Average earning assets | $1,401,036,000 | 685 |
| Average equity | $275,608,750 | 420 |
| Average total loans | $122,855,000 | 2,966 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 4,097 |
| Cost of funding earning assets | 0.9747% | 120 |
| Net interest margin | 1.9956% | 4,710 |
| Noninterest income to average assets | 0.0307% | 4,868 |
| Noninterest expense to average assets | 0.5863% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0998% | 2,550 |
| Return on assets (ROA) | 2.6754% | 185 |
| Pretax return on assets | 3.3555% | 131 |
| Return on Equity (ROE) | 13.9406% | 1,428 |
| Retained earnings to average equity (ytd only) | 12.4282% | 826 |
| Net charge-offs to loans | -0.0700% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7245% | 4,895 |
| Assets per employee ($millions) | 34.3156% | 42 |
| Cash dividends to net income (ytd only)* | 10.8492% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,057 |
| Loan loss allowance to noncurrent loans | 115.4422% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,550 |
| Noncurrent loans to loans | 1.1954% | 1,005 |
| Net loans and leases to total assets | 8.2187% | 4,898 |
| Net loans and leases to deposits | 10.3276% | 4,901 |
| Net loans and leases to core deposits | 11.3124% | 4,889 |
| Total domestic deposits to total assets | 79.5800% | 4,284 |
| Equity capital to assets | 18.8776% | 230 |
| Core capital (leverage) ratio | 19.1063% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,420,823,000 | 720 |
| Average earning assets | $1,382,407,000 | 689 |
| Average equity | $272,670,667 | 422 |
| Average total loans | $122,914,000 | 2,983 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0155% | 4,042 |
| Cost of funding earning assets | 1.0078% | 132 |
| Net interest margin | 2.0077% | 4,726 |
| Noninterest income to average assets | 0.0324% | 4,886 |
| Noninterest expense to average assets | 0.5931% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0981% | 2,482 |
| Return on assets (ROA) | 4.6630% | 65 |
| Pretax return on assets | 5.9042% | 60 |
| Return on Equity (ROE) | 24.0893% | 292 |
| Retained earnings to average equity (ytd only) | 24.0893% | 156 |
| Net charge-offs to loans | -0.0065% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8814% | 4,910 |
| Assets per employee ($millions) | 33.5229% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 2,271 |
| Loan loss allowance to noncurrent loans | 140.4580% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,798 |
| Noncurrent loans to loans | 0.9504% | 1,426 |
| Net loans and leases to total assets | 8.4910% | 4,925 |
| Net loans and leases to deposits | 10.7221% | 4,926 |
| Net loans and leases to core deposits | 11.8289% | 4,916 |
| Total domestic deposits to total assets | 79.1920% | 4,314 |
| Equity capital to assets | 19.2754% | 210 |
| Core capital (leverage) ratio | 20.1480% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,393,450,000 | 727 |
| Average earning assets | $1,354,996,500 | 695 |
| Average equity | $269,730,000 | 417 |
| Average total loans | $122,886,000 | 2,987 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 4,502 |
| Cost of funding earning assets | 1.2208% | 259 |
| Net interest margin | 1.9333% | 4,849 |
| Noninterest income to average assets | 0.0208% | 4,918 |
| Noninterest expense to average assets | 0.7520% | 4,958 |
| Loan and lease loss provision to assets | 0.0388% | 3,924 |
| Net operating income to assets | 0.8985% | 2,706 |
| Return on assets (ROA) | 1.9452% | 316 |
| Pretax return on assets | 2.3983% | 219 |
| Return on Equity (ROE) | 9.9013% | 2,040 |
| Retained earnings to average equity (ytd only) | 8.2636% | 980 |
| Net charge-offs to loans | 0.1046% | 1,421 |
| Credit loss provision to net charge-offs | 408.4746% | 1,412 |
| Earnings coverage of net charge-offs (x) | 120.6271% | 705 |
| Efficiency ratio | 39.6430% | 4,880 |
| Assets per employee ($millions) | 30.5776% | 43 |
| Cash dividends to net income (ytd only)* | 16.5399% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,158 |
| Loan loss allowance to noncurrent loans | 142.9559% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 3,900 |
| Noncurrent loans to loans | 0.9506% | 1,488 |
| Net loans and leases to total assets | 8.9240% | 4,948 |
| Net loans and leases to deposits | 11.2909% | 4,949 |
| Net loans and leases to core deposits | 12.5366% | 4,938 |
| Total domestic deposits to total assets | 79.0372% | 4,198 |
| Equity capital to assets | 19.4444% | 219 |
| Core capital (leverage) ratio | 19.4323% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,243,272,000 | 730 |
| Average earning assets | $1,206,408,000 | 695 |
| Average equity | $244,250,600 | 428 |
| Average total loans | $112,814,800 | 3,056 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 4,614 |
| Cost of funding earning assets | 1.2608% | 292 |
| Net interest margin | 1.9099% | 4,912 |
| Noninterest income to average assets | 0.0359% | 4,922 |
| Noninterest expense to average assets | 0.6831% | 5,007 |
| Loan and lease loss provision to assets | 0.0528% | 3,690 |
| Net operating income to assets | 0.9633% | 2,474 |
| Return on assets (ROA) | 0.9381% | 2,698 |
| Pretax return on assets | 1.1230% | 2,670 |
| Return on Equity (ROE) | 4.7616% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.6852% | 3,200 |
| Net charge-offs to loans | 0.1471% | 998 |
| Credit loss provision to net charge-offs | 395.0820% | 1,475 |
| Earnings coverage of net charge-offs (x) | 90.2705% | 849 |
| Efficiency ratio | 36.1639% | 4,948 |
| Assets per employee ($millions) | 30.1749% | 43 |
| Cash dividends to net income (ytd only)* | 22.6074% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 2,079 |
| Loan loss allowance to noncurrent loans | 121.9512% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,909 |
| Noncurrent loans to loans | 1.0821% | 1,388 |
| Net loans and leases to total assets | 9.5093% | 4,982 |
| Net loans and leases to deposits | 11.9297% | 4,982 |
| Net loans and leases to core deposits | 13.2478% | 4,973 |
| Total domestic deposits to total assets | 79.7112% | 3,925 |
| Equity capital to assets | 19.1176% | 235 |
| Core capital (leverage) ratio | 19.2883% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,217,736,500 | 735 |
| Average earning assets | $1,181,441,000 | 697 |
| Average equity | $239,911,250 | 429 |
| Average total loans | $110,588,750 | 3,102 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 4,717 |
| Cost of funding earning assets | 1.3095% | 348 |
| Net interest margin | 1.8922% | 4,970 |
| Noninterest income to average assets | 0.0364% | 4,941 |
| Noninterest expense to average assets | 0.6763% | 5,040 |
| Loan and lease loss provision to assets | 0.0809% | 3,271 |
| Net operating income to assets | 0.9442% | 2,521 |
| Return on assets (ROA) | 0.0373% | 4,769 |
| Pretax return on assets | -0.0339% | 4,804 |
| Return on Equity (ROE) | 0.1872% | 4,783 |
| Retained earnings to average equity (ytd only) | -1.4461% | 4,532 |
| Net charge-offs to loans | 0.2382% | 659 |
| Credit loss provision to net charge-offs | 382.5397% | 1,441 |
| Earnings coverage of net charge-offs (x) | 56.4841% | 1,010 |
| Efficiency ratio | 36.1418% | 4,978 |
| Assets per employee ($millions) | 30.3063% | 40 |
| Cash dividends to net income (ytd only)* | 872.5225% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 1,991 |
| Loan loss allowance to noncurrent loans | 118.5025% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 3,982 |
| Noncurrent loans to loans | 1.0994% | 1,427 |
| Net loans and leases to total assets | 9.7962% | 5,016 |
| Net loans and leases to deposits | 12.2477% | 5,017 |
| Net loans and leases to core deposits | 13.5559% | 5,005 |
| Total domestic deposits to total assets | 79.9843% | 3,835 |
| Equity capital to assets | 18.8322% | 241 |
| Core capital (leverage) ratio | 19.0274% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,191,142,000 | 732 |
| Average earning assets | $1,155,060,333 | 698 |
| Average equity | $237,196,667 | 427 |
| Average total loans | $105,773,333 | 3,152 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0436% | 4,937 |
| Cost of funding earning assets | 1.4082% | 382 |
| Net interest margin | 1.6354% | 5,066 |
| Noninterest income to average assets | 0.0320% | 4,999 |
| Noninterest expense to average assets | 0.6910% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8471% | 2,724 |
| Return on assets (ROA) | -3.8137% | 5,076 |
| Pretax return on assets | -4.9744% | 5,083 |
| Return on Equity (ROE) | -18.5928% | 5,051 |
| Retained earnings to average equity (ytd only) | -18.5928% | 4,944 |
| Net charge-offs to loans | 0.4859% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.9397% | 1,341 |
| Efficiency ratio | 42.7496% | 4,923 |
| Assets per employee ($millions) | 27.5280% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,897 |
| Loan loss allowance to noncurrent loans | 98.6555% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 4,100 |
| Noncurrent loans to loans | 1.1733% | 1,407 |
| Net loans and leases to total assets | 8.6705% | 5,064 |
| Net loans and leases to deposits | 10.9577% | 5,065 |
| Net loans and leases to core deposits | 12.0415% | 5,057 |
| Total domestic deposits to total assets | 79.1271% | 4,025 |
| Equity capital to assets | 19.9327% | 251 |
| Core capital (leverage) ratio | 19.9679% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,150,280,500 | 732 |
| Average earning assets | $1,114,350,000 | 689 |
| Average equity | $235,940,500 | 430 |
| Average total loans | $95,490,500 | 3,290 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0560% | 5,041 |
| Cost of funding earning assets | 1.3827% | 599 |
| Net interest margin | 1.6733% | 5,125 |
| Noninterest income to average assets | 0.0479% | 5,041 |
| Noninterest expense to average assets | 0.7785% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7271% | 3,776 |
| Return on assets (ROA) | 1.8977% | 450 |
| Pretax return on assets | 2.3306% | 286 |
| Return on Equity (ROE) | 9.1182% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.4835% | 1,177 |
| Net charge-offs to loans | 0.6583% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.2641% | 2,009 |
| Efficiency ratio | 46.7872% | 4,882 |
| Assets per employee ($millions) | 27.2472% | 40 |
| Cash dividends to net income (ytd only)* | 17.9279% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,392 |
| Loan loss allowance to noncurrent loans | 96.0536% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 4,050 |
| Noncurrent loans to loans | 1.4995% | 964 |
| Net loans and leases to total assets | 7.7134% | 5,127 |
| Net loans and leases to deposits | 9.9637% | 5,130 |
| Net loans and leases to core deposits | 10.8836% | 5,123 |
| Total domestic deposits to total assets | 77.4147% | 4,445 |
| Equity capital to assets | 21.0964% | 210 |
| Core capital (leverage) ratio | 21.1238% | 194 |
| Tier 1 risk-based capital ratio | 20.0019% | 1,326 |
| Total risk-based capital ratio | 20.1088% | 1,521 |
| Memoranda: | ||
| Average total assets | $1,120,490,600 | 710 |
| Average earning assets | $1,082,132,000 | 673 |
| Average equity | $233,193,200 | 415 |
| Average total loans | $78,227,000 | 3,631 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 5,142 |
| Cost of funding earning assets | 1.3673% | 644 |
| Net interest margin | 1.6651% | 5,215 |
| Noninterest income to average assets | 0.0562% | 5,102 |
| Noninterest expense to average assets | 0.8329% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6895% | 4,046 |
| Return on assets (ROA) | 1.6211% | 924 |
| Pretax return on assets | 1.9661% | 740 |
| Return on Equity (ROE) | 7.8169% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.7353% | 1,992 |
| Net charge-offs to loans | 0.8807% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.9318% | 2,265 |
| Efficiency ratio | 50.0863% | 4,737 |
| Assets per employee ($millions) | 27.0267% | 40 |
| Cash dividends to net income (ytd only)* | 13.8366% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 843 |
| Loan loss allowance to noncurrent loans | 158.4242% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,817 |
| Noncurrent loans to loans | 1.0648% | 1,499 |
| Net loans and leases to total assets | 6.7107% | 5,212 |
| Net loans and leases to deposits | 8.5994% | 5,216 |
| Net loans and leases to core deposits | 9.3692% | 5,205 |
| Total domestic deposits to total assets | 78.0370% | 4,335 |
| Equity capital to assets | 20.7598% | 229 |
| Core capital (leverage) ratio | 20.7057% | 217 |
| Tier 1 risk-based capital ratio | 19.8889% | 1,378 |
| Total risk-based capital ratio | 19.9992% | 1,589 |
| Memoranda: | ||
| Average total assets | $1,114,517,250 | 713 |
| Average earning assets | $1,075,381,500 | 678 |
| Average equity | $231,135,500 | 423 |
| Average total loans | $75,393,500 | 3,717 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9673% | 5,218 |
| Cost of funding earning assets | 1.3191% | 696 |
| Net interest margin | 1.6483% | 5,270 |
| Noninterest income to average assets | 0.0612% | 5,135 |
| Noninterest expense to average assets | 0.9006% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6172% | 4,261 |
| Return on assets (ROA) | 1.9983% | 409 |
| Pretax return on assets | 2.4342% | 271 |
| Return on Equity (ROE) | 9.6389% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.0059% | 1,392 |
| Net charge-offs to loans | 1.3227% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.4069% | 2,421 |
| Efficiency ratio | 54.5673% | 4,406 |
| Assets per employee ($millions) | 26.5100% | 38 |
| Cash dividends to net income (ytd only)* | 16.9423% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 750 |
| Loan loss allowance to noncurrent loans | 10,084.6154% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,176 |
| Noncurrent loans to loans | 0.0174% | 4,637 |
| Net loans and leases to total assets | 6.4553% | 5,261 |
| Net loans and leases to deposits | 8.2539% | 5,265 |
| Net loans and leases to core deposits | 8.9258% | 5,256 |
| Total domestic deposits to total assets | 78.2092% | 4,353 |
| Equity capital to assets | 20.4543% | 232 |
| Core capital (leverage) ratio | 20.7072% | 211 |
| Tier 1 risk-based capital ratio | 19.7591% | 1,394 |
| Total risk-based capital ratio | 19.8702% | 1,601 |
| Memoranda: | ||
| Average total assets | $1,107,649,670 | 717 |
| Average earning assets | $1,068,038,330 | 679 |
| Average equity | $229,631,000 | 424 |
| Average total loans | $74,697,330 | 3,751 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9320% | 5,292 |
| Cost of funding earning assets | 1.2425% | 788 |
| Net interest margin | 1.6895% | 5,339 |
| Noninterest income to average assets | 0.0707% | 5,161 |
| Noninterest expense to average assets | 1.1199% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4757% | 4,583 |
| Return on assets (ROA) | 2.8515% | 103 |
| Pretax return on assets | 3.4770% | 89 |
| Return on Equity (ROE) | 13.6590% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.6590% | 381 |
| Net charge-offs to loans | -0.0054% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8905% | 2,953 |
| Assets per employee ($millions) | 27.0815% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 260 |
| Loan loss allowance to noncurrent loans | 241.4439% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,481 |
| Noncurrent loans to loans | 1.0172% | 1,636 |
| Net loans and leases to total assets | 6.4603% | 5,321 |
| Net loans and leases to deposits | 8.2829% | 5,323 |
| Net loans and leases to core deposits | 8.9865% | 5,311 |
| Total domestic deposits to total assets | 77.9953% | 4,518 |
| Equity capital to assets | 20.8724% | 207 |
| Core capital (leverage) ratio | 21.0958% | 194 |
| Tier 1 risk-based capital ratio | 21.1110% | 1,150 |
| Total risk-based capital ratio | 21.2755% | 1,310 |
| Memoranda: | ||
| Average total assets | $1,091,508,500 | 729 |
| Average earning assets | $1,052,394,000 | 692 |
| Average equity | $227,864,000 | 423 |
| Average total loans | $74,597,500 | 3,789 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7431% | 5,305 |
| Cost of funding earning assets | 0.9142% | 1,041 |
| Net interest margin | 1.8289% | 5,351 |
| Noninterest income to average assets | 0.0503% | 5,273 |
| Noninterest expense to average assets | 0.7975% | 5,370 |
| Loan and lease loss provision to assets | 0.0197% | 3,770 |
| Net operating income to assets | 0.9261% | 3,341 |
| Return on assets (ROA) | 0.5842% | 4,469 |
| Pretax return on assets | 0.6292% | 4,576 |
| Return on Equity (ROE) | 2.7884% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.1454% | 4,666 |
| Net charge-offs to loans | 0.2634% | 732 |
| Credit loss provision to net charge-offs | 116.6667% | 2,220 |
| Earnings coverage of net charge-offs (x) | 60.2833% | 1,017 |
| Efficiency ratio | 43.9659% | 5,180 |
| Assets per employee ($millions) | 26.1629% | 37 |
| Cash dividends to net income (ytd only)* | 58.9226% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3857% | 259 |
| Loan loss allowance to noncurrent loans | 456.9620% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,658 |
| Noncurrent loans to loans | 0.5221% | 2,706 |
| Net loans and leases to total assets | 6.8849% | 5,363 |
| Net loans and leases to deposits | 8.8398% | 5,365 |
| Net loans and leases to core deposits | 9.4967% | 5,357 |
| Total domestic deposits to total assets | 77.8853% | 4,512 |
| Equity capital to assets | 20.8798% | 193 |
| Core capital (leverage) ratio | 20.9456% | 199 |
| Tier 1 risk-based capital ratio | 24.1676% | 813 |
| Total risk-based capital ratio | 24.3624% | 879 |
| Memoranda: | ||
| Average total assets | $1,067,549,400 | 719 |
| Average earning assets | $1,029,480,400 | 684 |
| Average equity | $223,676,800 | 414 |
| Average total loans | $68,337,200 | 3,908 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6904% | 5,382 |
| Cost of funding earning assets | 0.8642% | 1,055 |
| Net interest margin | 1.8262% | 5,423 |
| Noninterest income to average assets | 0.0630% | 5,311 |
| Noninterest expense to average assets | 0.7966% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8653% | 3,678 |
| Return on assets (ROA) | 1.2681% | 1,979 |
| Pretax return on assets | 1.5006% | 1,893 |
| Return on Equity (ROE) | 6.0151% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.9483% | 3,266 |
| Net charge-offs to loans | 0.3689% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 44.6625% | 1,263 |
| Efficiency ratio | 43.6892% | 5,226 |
| Assets per employee ($millions) | 25.9542% | 38 |
| Cash dividends to net income (ytd only)* | 17.7340% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3426% | 289 |
| Loan loss allowance to noncurrent loans | 280.1056% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,700 |
| Noncurrent loans to loans | 0.8363% | 2,036 |
| Net loans and leases to total assets | 6.2329% | 5,441 |
| Net loans and leases to deposits | 8.0805% | 5,442 |
| Net loans and leases to core deposits | 8.5879% | 5,434 |
| Total domestic deposits to total assets | 77.1357% | 4,622 |
| Equity capital to assets | 21.7215% | 172 |
| Core capital (leverage) ratio | 21.6553% | 172 |
| Tier 1 risk-based capital ratio | 24.8958% | 765 |
| Total risk-based capital ratio | 25.0672% | 842 |
| Memoranda: | ||
| Average total assets | $1,067,184,000 | 717 |
| Average earning assets | $1,028,732,500 | 684 |
| Average equity | $224,985,500 | 412 |
| Average total loans | $66,507,000 | 3,984 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6434% | 5,448 |
| Cost of funding earning assets | 0.8343% | 989 |
| Net interest margin | 1.8091% | 5,491 |
| Noninterest income to average assets | 0.0599% | 5,377 |
| Noninterest expense to average assets | 0.8658% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9206% | 3,367 |
| Return on assets (ROA) | 0.5441% | 4,643 |
| Pretax return on assets | 0.5542% | 4,809 |
| Return on Equity (ROE) | 2.6071% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.9922% | 4,760 |
| Net charge-offs to loans | -0.4452% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9867% | 5,120 |
| Assets per employee ($millions) | 24.9870% | 37 |
| Cash dividends to net income (ytd only)* | 61.9408% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9459% | 153 |
| Loan loss allowance to noncurrent loans | 73.5835% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 3,793 |
| Noncurrent loans to loans | 4.0034% | 218 |
| Net loans and leases to total assets | 5.8935% | 5,503 |
| Net loans and leases to deposits | 7.5545% | 5,505 |
| Net loans and leases to core deposits | 8.0461% | 5,498 |
| Total domestic deposits to total assets | 78.0130% | 4,587 |
| Equity capital to assets | 20.8387% | 192 |
| Core capital (leverage) ratio | 20.9812% | 188 |
| Tier 1 risk-based capital ratio | 24.3056% | 808 |
| Total risk-based capital ratio | 24.5142% | 891 |
| Memoranda: | ||
| Average total assets | $1,068,204,000 | 718 |
| Average earning assets | $1,029,887,670 | 685 |
| Average equity | $222,932,670 | 414 |
| Average total loans | $66,037,000 | 4,016 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5928% | 5,515 |
| Cost of funding earning assets | 0.8208% | 870 |
| Net interest margin | 1.7720% | 5,558 |
| Noninterest income to average assets | 0.0661% | 5,437 |
| Noninterest expense to average assets | 0.6557% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9641% | 3,013 |
| Return on assets (ROA) | -0.2591% | 5,458 |
| Pretax return on assets | -0.4296% | 5,486 |
| Return on Equity (ROE) | -1.2407% | 5,427 |
| Retained earnings to average equity (ytd only) | -1.2407% | 4,934 |
| Net charge-offs to loans | -0.7526% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9524% | 5,504 |
| Assets per employee ($millions) | 26.0400% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9076% | 172 |
| Loan loss allowance to noncurrent loans | 111.5023% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 4,284 |
| Noncurrent loans to loans | 2.6076% | 504 |
| Net loans and leases to total assets | 5.9427% | 5,566 |
| Net loans and leases to deposits | 7.6242% | 5,567 |
| Net loans and leases to core deposits | 8.1576% | 5,558 |
| Total domestic deposits to total assets | 77.9455% | 4,736 |
| Equity capital to assets | 20.8032% | 189 |
| Core capital (leverage) ratio | 20.7625% | 187 |
| Tier 1 risk-based capital ratio | 24.2085% | 823 |
| Total risk-based capital ratio | 24.4156% | 898 |
| Memoranda: | ||
| Average total assets | $1,065,084,500 | 720 |
| Average earning assets | $1,026,858,500 | 689 |
| Average equity | $222,449,000 | 418 |
| Average total loans | $66,433,500 | 4,045 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6526% | 5,512 |
| Cost of funding earning assets | 0.7644% | 767 |
| Net interest margin | 1.8882% | 5,590 |
| Noninterest income to average assets | 0.0523% | 5,527 |
| Noninterest expense to average assets | 0.6947% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4741% | 860 |
| Return on assets (ROA) | 1.9147% | 336 |
| Pretax return on assets | 1.6246% | 1,228 |
| Return on Equity (ROE) | 9.8261% | 1,964 |
| Retained earnings to average equity (ytd only) | 8.1439% | 715 |
| Net charge-offs to loans | 0.7704% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 23.9434% | 1,782 |
| Efficiency ratio | 36.9754% | 5,570 |
| Assets per employee ($millions) | 24.7100% | 38 |
| Cash dividends to net income (ytd only)* | 17.1190% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6289% | 212 |
| Loan loss allowance to noncurrent loans | 104.8435% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,346 |
| Noncurrent loans to loans | 2.5074% | 532 |
| Net loans and leases to total assets | 6.1876% | 5,630 |
| Net loans and leases to deposits | 7.9878% | 5,634 |
| Net loans and leases to core deposits | 8.4633% | 5,626 |
| Total domestic deposits to total assets | 77.4631% | 4,795 |
| Equity capital to assets | 20.9683% | 179 |
| Core capital (leverage) ratio | 17.8750% | 303 |
| Tier 1 risk-based capital ratio | 18.3667% | 1,689 |
| Total risk-based capital ratio | 21.3752% | 1,251 |
| Memoranda: | ||
| Average total assets | $1,071,748,800 | 691 |
| Average earning assets | $1,036,648,800 | 653 |
| Average equity | $208,842,400 | 423 |
| Average total loans | $68,792,600 | 3,995 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6303% | 5,587 |
| Cost of funding earning assets | 0.7516% | 753 |
| Net interest margin | 1.8787% | 5,662 |
| Noninterest income to average assets | 0.0539% | 5,599 |
| Noninterest expense to average assets | 0.6212% | 5,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8612% | 3,223 |
| Return on assets (ROA) | 1.2098% | 1,685 |
| Pretax return on assets | 1.7572% | 983 |
| Return on Equity (ROE) | 6.3278% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.2156% | 2,730 |
| Net charge-offs to loans | 1.0013% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.4317% | 2,003 |
| Efficiency ratio | 33.1632% | 5,674 |
| Assets per employee ($millions) | 24.9340% | 38 |
| Cash dividends to net income (ytd only)* | 17.5764% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 280 |
| Loan loss allowance to noncurrent loans | 96.5405% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,412 |
| Noncurrent loans to loans | 2.5423% | 588 |
| Net loans and leases to total assets | 6.6205% | 5,697 |
| Net loans and leases to deposits | 8.4374% | 5,700 |
| Net loans and leases to core deposits | 8.9246% | 5,690 |
| Total domestic deposits to total assets | 78.4668% | 4,633 |
| Equity capital to assets | 19.6132% | 243 |
| Core capital (leverage) ratio | 16.9365% | 388 |
| Tier 1 risk-based capital ratio | 17.2417% | 2,077 |
| Total risk-based capital ratio | 19.9714% | 1,619 |
| Memoranda: | ||
| Average total assets | $1,074,054,000 | 694 |
| Average earning assets | $1,040,076,500 | 654 |
| Average equity | $205,354,500 | 432 |
| Average total loans | $69,110,750 | 4,015 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6067% | 5,631 |
| Cost of funding earning assets | 0.7337% | 751 |
| Net interest margin | 1.8730% | 5,715 |
| Noninterest income to average assets | 0.0571% | 5,635 |
| Noninterest expense to average assets | 0.6190% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8758% | 3,042 |
| Return on assets (ROA) | 0.9608% | 2,663 |
| Pretax return on assets | 1.3745% | 2,122 |
| Return on Equity (ROE) | 5.0690% | 4,451 |
| Retained earnings to average equity (ytd only) | 3.3872% | 3,697 |
| Net charge-offs to loans | 1.6085% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.3315% | 2,202 |
| Efficiency ratio | 33.0649% | 5,725 |
| Assets per employee ($millions) | 26.6889% | 36 |
| Cash dividends to net income (ytd only)* | 33.1784% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4791% | 289 |
| Loan loss allowance to noncurrent loans | 80.7251% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,371 |
| Noncurrent loans to loans | 3.0711% | 417 |
| Net loans and leases to total assets | 6.3234% | 5,748 |
| Net loans and leases to deposits | 7.9939% | 5,749 |
| Net loans and leases to core deposits | 8.5742% | 5,739 |
| Total domestic deposits to total assets | 79.1022% | 4,602 |
| Equity capital to assets | 18.8544% | 271 |
| Core capital (leverage) ratio | 16.5165% | 417 |
| Tier 1 risk-based capital ratio | 16.7432% | 2,221 |
| Total risk-based capital ratio | 19.5038% | 1,749 |
| Memoranda: | ||
| Average total assets | $1,074,684,000 | 697 |
| Average earning assets | $1,041,300,000 | 655 |
| Average equity | $203,710,670 | 432 |
| Average total loans | $67,891,330 | 4,062 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5866% | 5,689 |
| Cost of funding earning assets | 0.7299% | 721 |
| Net interest margin | 1.8567% | 5,781 |
| Noninterest income to average assets | 0.0616% | 5,700 |
| Noninterest expense to average assets | 0.6093% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8747% | 2,883 |
| Return on assets (ROA) | 0.9263% | 2,690 |
| Pretax return on assets | 1.3252% | 2,153 |
| Return on Equity (ROE) | 4.8733% | 4,444 |
| Retained earnings to average equity (ytd only) | 4.8733% | 2,970 |
| Net charge-offs to loans | 3.3755% | 44 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,247 |
| Efficiency ratio | 32.7412% | 5,783 |
| Assets per employee ($millions) | 25.9455% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6153% | 276 |
| Loan loss allowance to noncurrent loans | 96.3556% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 4,566 |
| Noncurrent loans to loans | 2.7142% | 554 |
| Net loans and leases to total assets | 6.1082% | 5,817 |
| Net loans and leases to deposits | 7.7447% | 5,816 |
| Net loans and leases to core deposits | 8.1729% | 5,805 |
| Total domestic deposits to total assets | 78.8695% | 4,845 |
| Equity capital to assets | 19.2440% | 235 |
| Core capital (leverage) ratio | 16.5320% | 402 |
| Tier 1 risk-based capital ratio | 16.7418% | 2,266 |
| Total risk-based capital ratio | 19.4740% | 1,768 |
| Memoranda: | ||
| Average total assets | $1,064,903,500 | 703 |
| Average earning assets | $1,031,919,000 | 666 |
| Average equity | $202,409,500 | 437 |
| Average total loans | $66,361,000 | 4,122 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6433% | 5,714 |
| Cost of funding earning assets | 0.7489% | 639 |
| Net interest margin | 1.8944% | 5,823 |
| Noninterest income to average assets | 0.0439% | 5,786 |
| Noninterest expense to average assets | 0.6456% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9251% | 2,701 |
| Return on assets (ROA) | 1.0625% | 2,180 |
| Pretax return on assets | 1.4260% | 1,832 |
| Return on Equity (ROE) | 5.6494% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.9294% | 3,129 |
| Net charge-offs to loans | 1.0930% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.0840% | 1,928 |
| Efficiency ratio | 34.1864% | 5,847 |
| Assets per employee ($millions) | 25.3820% | 35 |
| Cash dividends to net income (ytd only)* | 30.4448% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4924% | 113 |
| Loan loss allowance to noncurrent loans | 1,158.2915% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,319 |
| Noncurrent loans to loans | 0.3015% | 4,061 |
| Net loans and leases to total assets | 5.9749% | 5,875 |
| Net loans and leases to deposits | 7.5381% | 5,876 |
| Net loans and leases to core deposits | 7.9738% | 5,866 |
| Total domestic deposits to total assets | 79.2627% | 4,731 |
| Equity capital to assets | 18.7711% | 256 |
| Core capital (leverage) ratio | 16.3111% | 425 |
| Tier 1 risk-based capital ratio | 16.6832% | 2,273 |
| Total risk-based capital ratio | 19.3735% | 1,783 |
| Memoranda: | ||
| Average total assets | $1,024,178,400 | 704 |
| Average earning assets | $997,189,400 | 665 |
| Average equity | $192,622,400 | 441 |
| Average total loans | $61,023,200 | 4,262 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6284% | 5,790 |
| Cost of funding earning assets | 0.7514% | 632 |
| Net interest margin | 1.8770% | 5,887 |
| Noninterest income to average assets | 0.0413% | 5,854 |
| Noninterest expense to average assets | 0.5981% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9218% | 2,802 |
| Return on assets (ROA) | 1.0197% | 2,466 |
| Pretax return on assets | 1.4093% | 2,010 |
| Return on Equity (ROE) | 5.4191% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.3008% | 3,261 |
| Net charge-offs to loans | 1.4899% | 91 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.4926% | 2,242 |
| Efficiency ratio | 31.9581% | 5,925 |
| Assets per employee ($millions) | 25.2651% | 35 |
| Cash dividends to net income (ytd only)* | 20.6372% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5141% | 113 |
| Loan loss allowance to noncurrent loans | 817.0213% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,389 |
| Noncurrent loans to loans | 0.4301% | 3,743 |
| Net loans and leases to total assets | 6.1069% | 5,942 |
| Net loans and leases to deposits | 7.6780% | 5,944 |
| Net loans and leases to core deposits | 8.1416% | 5,932 |
| Total domestic deposits to total assets | 79.5377% | 4,608 |
| Equity capital to assets | 18.8175% | 280 |
| Core capital (leverage) ratio | 16.5334% | 409 |
| Tier 1 risk-based capital ratio | 16.0574% | 2,598 |
| Total risk-based capital ratio | 18.4151% | 2,136 |
| Memoranda: | ||
| Average total assets | $1,013,712,500 | 711 |
| Average earning assets | $988,350,000 | 669 |
| Average equity | $190,751,000 | 447 |
| Average total loans | $59,779,000 | 4,333 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6196% | 5,864 |
| Cost of funding earning assets | 0.7526% | 617 |
| Net interest margin | 1.8669% | 5,970 |
| Noninterest income to average assets | 0.0419% | 5,931 |
| Noninterest expense to average assets | 0.5992% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8917% | 2,903 |
| Return on assets (ROA) | 1.0005% | 2,533 |
| Pretax return on assets | 1.4180% | 1,956 |
| Return on Equity (ROE) | 5.3169% | 4,374 |
| Retained earnings to average equity (ytd only) | 3.6270% | 3,585 |
| Net charge-offs to loans | 0.0173% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,272.8000% | 33 |
| Efficiency ratio | 32.1463% | 5,999 |
| Assets per employee ($millions) | 25.1670% | 35 |
| Cash dividends to net income (ytd only)* | 31.7839% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0936% | 42 |
| Loan loss allowance to noncurrent loans | 131.6327% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 4,601 |
| Noncurrent loans to loans | 3.8695% | 320 |
| Net loans and leases to total assets | 5.4916% | 6,019 |
| Net loans and leases to deposits | 6.9442% | 6,022 |
| Net loans and leases to core deposits | 7.3760% | 6,012 |
| Total domestic deposits to total assets | 79.0817% | 4,766 |
| Equity capital to assets | 19.0677% | 259 |
| Core capital (leverage) ratio | 16.3473% | 424 |
| Tier 1 risk-based capital ratio | 16.6752% | 2,363 |
| Total risk-based capital ratio | 19.2186% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,006,326,330 | 716 |
| Average earning assets | $982,146,330 | 676 |
| Average equity | $189,359,670 | 451 |
| Average total loans | $57,850,670 | 4,408 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5990% | 5,933 |
| Cost of funding earning assets | 0.7523% | 625 |
| Net interest margin | 1.8467% | 6,036 |
| Noninterest income to average assets | 0.0457% | 5,982 |
| Noninterest expense to average assets | 0.5928% | 6,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8750% | 2,876 |
| Return on assets (ROA) | 1.0698% | 2,130 |
| Pretax return on assets | 1.5346% | 1,490 |
| Return on Equity (ROE) | 5.7236% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.7236% | 2,512 |
| Net charge-offs to loans | -0.2567% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0576% | 6,059 |
| Assets per employee ($millions) | 25.8539% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2505% | 45 |
| Loan loss allowance to noncurrent loans | 72.6110% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,945 |
| Noncurrent loans to loans | 7.2310% | 90 |
| Net loans and leases to total assets | 5.3853% | 6,082 |
| Net loans and leases to deposits | 6.7779% | 6,085 |
| Net loans and leases to core deposits | 7.1737% | 6,074 |
| Total domestic deposits to total assets | 79.4531% | 4,868 |
| Equity capital to assets | 18.8879% | 262 |
| Core capital (leverage) ratio | 16.3689% | 431 |
| Tier 1 risk-based capital ratio | 16.9288% | 2,312 |
| Total risk-based capital ratio | 19.4769% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,006,150,000 | 715 |
| Average earning assets | $982,531,500 | 672 |
| Average equity | $188,064,000 | 450 |
| Average total loans | $57,651,000 | 4,456 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6014% | 5,963 |
| Cost of funding earning assets | 0.7206% | 733 |
| Net interest margin | 1.8808% | 6,067 |
| Noninterest income to average assets | 0.0387% | 6,032 |
| Noninterest expense to average assets | 0.6371% | 6,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9261% | 2,722 |
| Return on assets (ROA) | 1.0050% | 2,431 |
| Pretax return on assets | 1.3524% | 2,094 |
| Return on Equity (ROE) | 5.5059% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.7906% | 3,333 |
| Net charge-offs to loans | -0.0031% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8371% | 6,124 |
| Assets per employee ($millions) | 25.7435% | 38 |
| Cash dividends to net income (ytd only)* | 31.1534% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1248% | 47 |
| Loan loss allowance to noncurrent loans | 71.8048% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,952 |
| Noncurrent loans to loans | 7.1371% | 99 |
| Net loans and leases to total assets | 5.4802% | 6,142 |
| Net loans and leases to deposits | 6.8654% | 6,145 |
| Net loans and leases to core deposits | 7.2549% | 6,133 |
| Total domestic deposits to total assets | 79.8231% | 4,785 |
| Equity capital to assets | 18.4942% | 278 |
| Core capital (leverage) ratio | 16.1917% | 445 |
| Tier 1 risk-based capital ratio | 17.0124% | 2,275 |
| Total risk-based capital ratio | 19.4506% | 1,875 |
| Memoranda: | ||
| Average total assets | $998,113,400 | 689 |
| Average earning assets | $978,668,200 | 649 |
| Average equity | $182,187,200 | 447 |
| Average total loans | $63,979,800 | 4,265 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5858% | 6,052 |
| Cost of funding earning assets | 0.7115% | 788 |
| Net interest margin | 1.8742% | 6,159 |
| Noninterest income to average assets | 0.0368% | 6,131 |
| Noninterest expense to average assets | 0.6170% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9008% | 2,958 |
| Return on assets (ROA) | 0.9481% | 2,820 |
| Pretax return on assets | 1.3249% | 2,300 |
| Return on Equity (ROE) | 5.2115% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.0900% | 3,548 |
| Net charge-offs to loans | -0.0142% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8841% | 6,212 |
| Assets per employee ($millions) | 26.8097% | 37 |
| Cash dividends to net income (ytd only)* | 21.5182% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0392% | 56 |
| Loan loss allowance to noncurrent loans | 71.3396% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 4,134 |
| Noncurrent loans to loans | 7.0637% | 99 |
| Net loans and leases to total assets | 5.5067% | 6,227 |
| Net loans and leases to deposits | 6.8017% | 6,230 |
| Net loans and leases to core deposits | 7.3609% | 6,218 |
| Total domestic deposits to total assets | 80.9603% | 4,486 |
| Equity capital to assets | 17.7155% | 367 |
| Core capital (leverage) ratio | 16.0536% | 481 |
| Tier 1 risk-based capital ratio | 16.4086% | 2,623 |
| Total risk-based capital ratio | 18.5005% | 2,230 |
| Memoranda: | ||
| Average total assets | $996,642,500 | 697 |
| Average earning assets | $978,152,250 | 656 |
| Average equity | $181,313,750 | 452 |
| Average total loans | $65,476,500 | 4,258 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5843% | 6,122 |
| Cost of funding earning assets | 0.7042% | 825 |
| Net interest margin | 1.8801% | 6,231 |
| Noninterest income to average assets | 0.0398% | 6,201 |
| Noninterest expense to average assets | 0.6253% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9050% | 2,849 |
| Return on assets (ROA) | 0.9350% | 2,828 |
| Pretax return on assets | 1.3022% | 2,355 |
| Return on Equity (ROE) | 5.0938% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.4143% | 3,869 |
| Net charge-offs to loans | -0.0118% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1582% | 6,279 |
| Assets per employee ($millions) | 26.2418% | 38 |
| Cash dividends to net income (ytd only)* | 32.9730% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2578% | 86 |
| Loan loss allowance to noncurrent loans | 71.3361% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 4,237 |
| Noncurrent loans to loans | 5.9686% | 160 |
| Net loans and leases to total assets | 6.7064% | 6,301 |
| Net loans and leases to deposits | 8.3802% | 6,304 |
| Net loans and leases to core deposits | 8.8518% | 6,292 |
| Total domestic deposits to total assets | 80.0263% | 4,864 |
| Equity capital to assets | 18.2765% | 312 |
| Core capital (leverage) ratio | 15.9622% | 471 |
| Tier 1 risk-based capital ratio | 16.3987% | 2,662 |
| Total risk-based capital ratio | 18.8366% | 2,144 |
| Memoranda: | ||
| Average total assets | $989,267,670 | 703 |
| Average earning assets | $971,329,330 | 664 |
| Average equity | $181,591,670 | 456 |
| Average total loans | $67,609,670 | 4,225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5829% | 6,189 |
| Cost of funding earning assets | 0.6941% | 874 |
| Net interest margin | 1.8888% | 6,302 |
| Noninterest income to average assets | 0.0426% | 6,247 |
| Noninterest expense to average assets | 0.6089% | 6,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9248% | 2,632 |
| Return on assets (ROA) | 0.9487% | 2,652 |
| Pretax return on assets | 1.3230% | 2,187 |
| Return on Equity (ROE) | 5.1572% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1572% | 2,970 |
| Net charge-offs to loans | -0.0963% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0718% | 6,356 |
| Assets per employee ($millions) | 26.0391% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4300% | 92 |
| Loan loss allowance to noncurrent loans | 58.3659% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 3,953 |
| Noncurrent loans to loans | 7.5901% | 111 |
| Net loans and leases to total assets | 6.5103% | 6,374 |
| Net loans and leases to deposits | 8.1449% | 6,374 |
| Net loans and leases to core deposits | 8.5863% | 6,364 |
| Total domestic deposits to total assets | 79.9301% | 5,063 |
| Equity capital to assets | 18.4242% | 300 |
| Core capital (leverage) ratio | 16.1976% | 443 |
| Tier 1 risk-based capital ratio | 16.2772% | 2,785 |
| Total risk-based capital ratio | 18.7723% | 2,248 |
| Memoranda: | ||
| Average total assets | $985,308,000 | 707 |
| Average earning assets | $968,226,000 | 658 |
| Average equity | $181,262,000 | 457 |
| Average total loans | $66,490,000 | 4,289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7568% | 6,230 |
| Cost of funding earning assets | 0.7481% | 855 |
| Net interest margin | 2.0086% | 6,370 |
| Noninterest income to average assets | 0.0392% | 6,318 |
| Noninterest expense to average assets | 0.7078% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0858% | 2,030 |
| Return on assets (ROA) | 1.2400% | 1,521 |
| Pretax return on assets | 1.4900% | 1,580 |
| Return on Equity (ROE) | 7.0118% | 3,626 |
| Retained earnings to average equity (ytd only) | 5.2908% | 2,409 |
| Net charge-offs to loans | -0.0349% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1825% | 6,446 |
| Assets per employee ($millions) | 25.8192% | 39 |
| Cash dividends to net income (ytd only)* | 24.5442% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5291% | 93 |
| Loan loss allowance to noncurrent loans | 58.3726% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 4,066 |
| Noncurrent loans to loans | 7.7589% | 122 |
| Net loans and leases to total assets | 6.3810% | 6,463 |
| Net loans and leases to deposits | 8.0336% | 6,463 |
| Net loans and leases to core deposits | 8.4605% | 6,452 |
| Total domestic deposits to total assets | 79.4287% | 5,155 |
| Equity capital to assets | 18.3685% | 296 |
| Core capital (leverage) ratio | 15.8222% | 487 |
| Tier 1 risk-based capital ratio | 18.0248% | 2,125 |
| Total risk-based capital ratio | 20.8220% | 1,665 |
| Memoranda: | ||
| Average total assets | $977,467,000 | 690 |
| Average earning assets | $960,002,600 | 641 |
| Average equity | $172,866,800 | 457 |
| Average total loans | $57,296,000 | 4,576 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7797% | 6,293 |
| Cost of funding earning assets | 0.7579% | 862 |
| Net interest margin | 2.0218% | 6,444 |
| Noninterest income to average assets | 0.0403% | 6,406 |
| Noninterest expense to average assets | 0.6584% | 6,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9689% | 2,603 |
| Return on assets (ROA) | 0.9799% | 2,614 |
| Pretax return on assets | 1.3831% | 2,072 |
| Return on Equity (ROE) | 5.5950% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.4646% | 3,472 |
| Net charge-offs to loans | -0.0507% | 5,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4955% | 6,526 |
| Assets per employee ($millions) | 25.7007% | 37 |
| Cash dividends to net income (ytd only)* | 20.2035% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0272% | 78 |
| Loan loss allowance to noncurrent loans | 58.3923% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 4,357 |
| Noncurrent loans to loans | 8.6094% | 107 |
| Net loans and leases to total assets | 5.5997% | 6,546 |
| Net loans and leases to deposits | 7.1091% | 6,547 |
| Net loans and leases to core deposits | 7.4706% | 6,535 |
| Total domestic deposits to total assets | 78.7674% | 5,380 |
| Equity capital to assets | 17.4733% | 374 |
| Core capital (leverage) ratio | 15.4066% | 558 |
| Tier 1 risk-based capital ratio | 17.1274% | 2,560 |
| Total risk-based capital ratio | 19.7270% | 2,021 |
| Memoranda: | ||
| Average total assets | $976,551,000 | 688 |
| Average earning assets | $959,111,500 | 633 |
| Average equity | $171,028,750 | 456 |
| Average total loans | $55,226,000 | 4,681 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8095% | 6,334 |
| Cost of funding earning assets | 0.7754% | 805 |
| Net interest margin | 2.0341% | 6,512 |
| Noninterest income to average assets | 0.0391% | 6,469 |
| Noninterest expense to average assets | 0.6845% | 6,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9624% | 2,493 |
| Return on assets (ROA) | 0.9604% | 2,596 |
| Pretax return on assets | 1.3490% | 2,086 |
| Return on Equity (ROE) | 5.4792% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.7699% | 3,789 |
| Net charge-offs to loans | 0.0037% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6,543.0000% | 3 |
| Efficiency ratio | 33.6140% | 6,590 |
| Assets per employee ($millions) | 26.6190% | 37 |
| Cash dividends to net income (ytd only)* | 31.1962% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1893% | 79 |
| Loan loss allowance to noncurrent loans | 55.3076% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 4,367 |
| Noncurrent loans to loans | 9.3825% | 91 |
| Net loans and leases to total assets | 5.4706% | 6,613 |
| Net loans and leases to deposits | 6.7864% | 6,616 |
| Net loans and leases to core deposits | 7.1207% | 6,603 |
| Total domestic deposits to total assets | 80.6106% | 5,095 |
| Equity capital to assets | 17.5236% | 361 |
| Core capital (leverage) ratio | 15.3529% | 550 |
| Tier 1 risk-based capital ratio | 17.1904% | 2,541 |
| Total risk-based capital ratio | 19.8405% | 1,994 |
| Memoranda: | ||
| Average total assets | $967,958,330 | 692 |
| Average earning assets | $950,499,000 | 636 |
| Average equity | $169,658,330 | 456 |
| Average total loans | $53,935,330 | 4,750 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8391% | 6,368 |
| Cost of funding earning assets | 0.7670% | 896 |
| Net interest margin | 2.0721% | 6,571 |
| Noninterest income to average assets | 0.0463% | 6,492 |
| Noninterest expense to average assets | 0.7329% | 6,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9502% | 2,405 |
| Return on assets (ROA) | 0.9363% | 2,548 |
| Pretax return on assets | 1.3278% | 1,999 |
| Return on Equity (ROE) | 5.3415% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.3415% | 2,892 |
| Net charge-offs to loans | -0.0305% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2305% | 6,645 |
| Assets per employee ($millions) | 25.4590% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6635% | 66 |
| Loan loss allowance to noncurrent loans | 55.1017% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 4,491 |
| Noncurrent loans to loans | 10.2782% | 94 |
| Net loans and leases to total assets | 5.0861% | 6,683 |
| Net loans and leases to deposits | 6.3518% | 6,687 |
| Net loans and leases to core deposits | 6.6610% | 6,675 |
| Total domestic deposits to total assets | 80.0738% | 5,469 |
| Equity capital to assets | 17.5176% | 349 |
| Core capital (leverage) ratio | 15.5942% | 528 |
| Tier 1 risk-based capital ratio | 17.5716% | 2,458 |
| Total risk-based capital ratio | 20.1062% | 1,969 |
| Memoranda: | ||
| Average total assets | $959,486,500 | 706 |
| Average earning assets | $941,846,500 | 646 |
| Average equity | $168,192,500 | 459 |
| Average total loans | $52,488,500 | 4,844 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 6,231 |
| Cost of funding earning assets | 0.7637% | 1,418 |
| Net interest margin | 2.3459% | 6,488 |
| Noninterest income to average assets | 0.2835% | 5,328 |
| Noninterest expense to average assets | 0.7308% | 6,776 |
| Loan and lease loss provision to assets | 0.2292% | 1,581 |
| Net operating income to assets | 1.2309% | 1,447 |
| Return on assets (ROA) | 1.6337% | 661 |
| Pretax return on assets | 2.1560% | 334 |
| Return on Equity (ROE) | 9.6757% | 2,250 |
| Retained earnings to average equity (ytd only) | 7.8878% | 1,096 |
| Net charge-offs to loans | 1.9791% | 193 |
| Credit loss provision to net charge-offs | 215.6983% | 1,073 |
| Earnings coverage of net charge-offs (x) | 17.4597% | 1,712 |
| Efficiency ratio | 28.2597% | 6,772 |
| Assets per employee ($millions) | 25.0403% | 39 |
| Cash dividends to net income (ytd only)* | 18.4778% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5852% | 61 |
| Loan loss allowance to noncurrent loans | 53.7536% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 4,504 |
| Noncurrent loans to loans | 10.3904% | 104 |
| Net loans and leases to total assets | 5.2408% | 6,764 |
| Net loans and leases to deposits | 6.5844% | 6,767 |
| Net loans and leases to core deposits | 6.8740% | 6,756 |
| Total domestic deposits to total assets | 79.5940% | 5,534 |
| Equity capital to assets | 17.5414% | 354 |
| Core capital (leverage) ratio | 15.5660% | 532 |
| Tier 1 risk-based capital ratio | 17.7162% | 2,336 |
| Total risk-based capital ratio | 20.2826% | 1,869 |
| Memoranda: | ||
| Average total assets | $923,231,000 | 715 |
| Average earning assets | $906,162,600 | 658 |
| Average equity | $155,885,800 | 480 |
| Average total loans | $49,567,400 | 4,977 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 6,268 |
| Cost of funding earning assets | 0.7608% | 1,540 |
| Net interest margin | 2.3787% | 6,532 |
| Noninterest income to average assets | 0.0589% | 6,607 |
| Noninterest expense to average assets | 0.7150% | 6,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0603% | 2,144 |
| Return on assets (ROA) | 1.3188% | 1,359 |
| Pretax return on assets | 2.0826% | 490 |
| Return on Equity (ROE) | 7.8903% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.7262% | 2,016 |
| Net charge-offs to loans | 2.0592% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.3188% | 1,875 |
| Efficiency ratio | 29.8699% | 6,835 |
| Assets per employee ($millions) | 24.4284% | 45 |
| Cash dividends to net income (ytd only)* | 14.7539% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1602% | 1,400 |
| Loan loss allowance to noncurrent loans | 28.0063% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 5,194 |
| Noncurrent loans to loans | 7.7133% | 243 |
| Net loans and leases to total assets | 5.1816% | 6,845 |
| Net loans and leases to deposits | 6.4086% | 6,847 |
| Net loans and leases to core deposits | 6.6954% | 6,837 |
| Total domestic deposits to total assets | 80.8545% | 5,253 |
| Equity capital to assets | 17.1132% | 406 |
| Core capital (leverage) ratio | 15.2583% | 600 |
| Tier 1 risk-based capital ratio | 17.5433% | 2,492 |
| Total risk-based capital ratio | 19.6051% | 2,157 |
| Memoranda: | ||
| Average total assets | $916,156,250 | 724 |
| Average earning assets | $899,251,750 | 663 |
| Average equity | $153,129,250 | 488 |
| Average total loans | $48,754,750 | 5,057 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 6,273 |
| Cost of funding earning assets | 0.7616% | 1,639 |
| Net interest margin | 2.4040% | 6,551 |
| Noninterest income to average assets | 0.0441% | 6,688 |
| Noninterest expense to average assets | 0.6705% | 6,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1591% | 1,702 |
| Return on assets (ROA) | 1.4375% | 1,091 |
| Pretax return on assets | 2.1486% | 457 |
| Return on Equity (ROE) | 8.6708% | 2,770 |
| Retained earnings to average equity (ytd only) | 6.9012% | 1,930 |
| Net charge-offs to loans | 1.8840% | 242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.2576% | 1,616 |
| Efficiency ratio | 27.8964% | 6,892 |
| Assets per employee ($millions) | 24.0032% | 45 |
| Cash dividends to net income (ytd only)* | 20.4088% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8189% | 696 |
| Loan loss allowance to noncurrent loans | 33.0090% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 5,146 |
| Noncurrent loans to loans | 8.5397% | 221 |
| Net loans and leases to total assets | 5.1290% | 6,893 |
| Net loans and leases to deposits | 6.4363% | 6,897 |
| Net loans and leases to core deposits | 6.6519% | 6,887 |
| Total domestic deposits to total assets | 79.6895% | 5,671 |
| Equity capital to assets | 17.0416% | 409 |
| Core capital (leverage) ratio | 15.2077% | 582 |
| Tier 1 risk-based capital ratio | 17.6000% | 2,476 |
| Total risk-based capital ratio | 19.6584% | 2,137 |
| Memoranda: | ||
| Average total assets | $912,114,670 | 727 |
| Average earning assets | $895,253,000 | 666 |
| Average equity | $151,219,330 | 492 |
| Average total loans | $48,619,000 | 5,080 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1777% | 6,319 |
| Cost of funding earning assets | 0.7742% | 1,684 |
| Net interest margin | 2.4035% | 6,596 |
| Noninterest income to average assets | 0.0487% | 6,738 |
| Noninterest expense to average assets | 0.6863% | 6,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1440% | 1,704 |
| Return on assets (ROA) | 1.4919% | 947 |
| Pretax return on assets | 2.2396% | 383 |
| Return on Equity (ROE) | 9.1262% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.1262% | 1,344 |
| Net charge-offs to loans | 4.3391% | 58 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.4019% | 2,074 |
| Efficiency ratio | 28.5168% | 6,969 |
| Assets per employee ($millions) | 24.8308% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7034% | 911 |
| Loan loss allowance to noncurrent loans | 31.3185% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 5,265 |
| Noncurrent loans to loans | 8.6319% | 288 |
| Net loans and leases to total assets | 5.0338% | 6,970 |
| Net loans and leases to deposits | 6.3768% | 6,974 |
| Net loans and leases to core deposits | 6.5598% | 6,964 |
| Total domestic deposits to total assets | 78.9394% | 5,971 |
| Equity capital to assets | 16.6811% | 467 |
| Core capital (leverage) ratio | 15.1030% | 579 |
| Tier 1 risk-based capital ratio | 17.2273% | 2,667 |
| Total risk-based capital ratio | 19.2255% | 2,341 |
| Memoranda: | ||
| Average total assets | $912,112,000 | 731 |
| Average earning assets | $894,861,000 | 673 |
| Average equity | $149,109,000 | 502 |
| Average total loans | $48,858,500 | 5,101 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 6,259 |
| Cost of funding earning assets | 0.9306% | 1,759 |
| Net interest margin | 2.6453% | 6,591 |
| Noninterest income to average assets | 0.1866% | 6,064 |
| Noninterest expense to average assets | 0.6960% | 7,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4468% | 1,013 |
| Return on assets (ROA) | 1.7548% | 617 |
| Pretax return on assets | 2.5293% | 246 |
| Return on Equity (ROE) | 11.2743% | 1,723 |
| Retained earnings to average equity (ytd only) | 9.4226% | 716 |
| Net charge-offs to loans | -1.8760% | 7,035 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0447% | 7,035 |
| Assets per employee ($millions) | 25.8709% | 48 |
| Cash dividends to net income (ytd only)* | 16.4241% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6167% | 388 |
| Loan loss allowance to noncurrent loans | 103.3011% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 6,044 |
| Noncurrent loans to loans | 3.5011% | 1,426 |
| Net loans and leases to total assets | 5.3418% | 7,028 |
| Net loans and leases to deposits | 6.6682% | 7,032 |
| Net loans and leases to core deposits | 6.8384% | 7,024 |
| Total domestic deposits to total assets | 80.1081% | 5,636 |
| Equity capital to assets | 16.0094% | 553 |
| Core capital (leverage) ratio | 14.6828% | 630 |
| Tier 1 risk-based capital ratio | 17.0170% | 2,644 |
| Total risk-based capital ratio | 18.6451% | 2,466 |
| Memoranda: | ||
| Average total assets | $884,778,200 | 741 |
| Average earning assets | $867,089,000 | 690 |
| Average equity | $137,711,000 | 526 |
| Average total loans | $52,024,600 | 5,016 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 6,375 |
| Cost of funding earning assets | 0.9519% | 1,844 |
| Net interest margin | 2.6623% | 6,694 |
| Noninterest income to average assets | 0.0573% | 6,777 |
| Noninterest expense to average assets | 0.6824% | 7,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3466% | 1,337 |
| Return on assets (ROA) | 1.4556% | 1,235 |
| Pretax return on assets | 2.1436% | 531 |
| Return on Equity (ROE) | 9.4215% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.2324% | 1,526 |
| Net charge-offs to loans | -2.4235% | 7,134 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.5999% | 7,135 |
| Assets per employee ($millions) | 25.3649% | 53 |
| Cash dividends to net income (ytd only)* | 12.6211% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5217% | 461 |
| Loan loss allowance to noncurrent loans | 241.3190% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 6,289 |
| Noncurrent loans to loans | 1.4594% | 3,609 |
| Net loans and leases to total assets | 5.5330% | 7,132 |
| Net loans and leases to deposits | 6.6938% | 7,137 |
| Net loans and leases to core deposits | 6.8671% | 7,127 |
| Total domestic deposits to total assets | 82.6585% | 4,775 |
| Equity capital to assets | 15.9844% | 609 |
| Core capital (leverage) ratio | 14.1909% | 777 |
| Tier 1 risk-based capital ratio | 16.6342% | 2,927 |
| Total risk-based capital ratio | 18.4270% | 2,612 |
| Memoranda: | ||
| Average total assets | $879,602,000 | 754 |
| Average earning assets | $861,793,250 | 695 |
| Average equity | $135,898,250 | 535 |
| Average total loans | $52,484,750 | 5,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 6,418 |
| Cost of funding earning assets | 0.9682% | 1,944 |
| Net interest margin | 2.6798% | 6,730 |
| Noninterest income to average assets | 0.0643% | 6,809 |
| Noninterest expense to average assets | 0.6870% | 7,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3652% | 1,271 |
| Return on assets (ROA) | 1.4305% | 1,261 |
| Pretax return on assets | 2.0990% | 579 |
| Return on Equity (ROE) | 9.3685% | 2,632 |
| Retained earnings to average equity (ytd only) | 7.5566% | 1,837 |
| Net charge-offs to loans | -3.6183% | 7,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.5384% | 7,194 |
| Assets per employee ($millions) | 25.1030% | 50 |
| Cash dividends to net income (ytd only)* | 19.3399% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4702% | 503 |
| Loan loss allowance to noncurrent loans | 355.3360% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 6,437 |
| Noncurrent loans to loans | 0.9766% | 4,563 |
| Net loans and leases to total assets | 5.6924% | 7,196 |
| Net loans and leases to deposits | 6.8422% | 7,202 |
| Net loans and leases to core deposits | 7.0164% | 7,193 |
| Total domestic deposits to total assets | 83.1960% | 4,679 |
| Equity capital to assets | 15.5119% | 675 |
| Core capital (leverage) ratio | 13.9120% | 828 |
| Tier 1 risk-based capital ratio | 16.7489% | 2,788 |
| Total risk-based capital ratio | 18.3757% | 2,575 |
| Memoranda: | ||
| Average total assets | $876,879,330 | 758 |
| Average earning assets | $859,153,000 | 700 |
| Average equity | $133,896,000 | 538 |
| Average total loans | $53,008,670 | 5,062 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 6,459 |
| Cost of funding earning assets | 0.9901% | 2,035 |
| Net interest margin | 2.6957% | 6,775 |
| Noninterest income to average assets | 0.0772% | 6,837 |
| Noninterest expense to average assets | 0.6913% | 7,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3884% | 1,247 |
| Return on assets (ROA) | 1.3758% | 1,414 |
| Pretax return on assets | 2.0082% | 726 |
| Return on Equity (ROE) | 9.0821% | 2,791 |
| Retained earnings to average equity (ytd only) | 9.0821% | 1,561 |
| Net charge-offs to loans | -6.1261% | 7,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4368% | 7,251 |
| Assets per employee ($millions) | 24.9707% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0858% | 772 |
| Loan loss allowance to noncurrent loans | 453.5519% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 6,397 |
| Noncurrent loans to loans | 0.6804% | 5,299 |
| Net loans and leases to total assets | 5.9652% | 7,256 |
| Net loans and leases to deposits | 7.1696% | 7,262 |
| Net loans and leases to core deposits | 7.3531% | 7,253 |
| Total domestic deposits to total assets | 83.2009% | 4,846 |
| Equity capital to assets | 15.4832% | 663 |
| Core capital (leverage) ratio | 13.8179% | 853 |
| Tier 1 risk-based capital ratio | 16.4401% | 2,941 |
| Total risk-based capital ratio | 18.1506% | 2,672 |
| Memoranda: | ||
| Average total assets | $876,016,500 | 758 |
| Average earning assets | $858,116,500 | 698 |
| Average equity | $132,700,000 | 541 |
| Average total loans | $53,607,000 | 5,084 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 6,591 |
| Cost of funding earning assets | 1.1502% | 2,353 |
| Net interest margin | 2.7641% | 6,867 |
| Noninterest income to average assets | 0.0525% | 6,822 |
| Noninterest expense to average assets | 0.6224% | 7,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4701% | 884 |
| Return on assets (ROA) | 1.5571% | 790 |
| Pretax return on assets | 2.2602% | 326 |
| Return on Equity (ROE) | 11.0323% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.1490% | 761 |
| Net charge-offs to loans | 2.4147% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 14.5156% | 1,453 |
| Efficiency ratio | 22.5789% | 7,324 |
| Assets per employee ($millions) | 25.0874% | 50 |
| Cash dividends to net income (ytd only)* | 17.0705% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,706 |
| Loan loss allowance to noncurrent loans | 441.5789% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 6,514 |
| Noncurrent loans to loans | 0.3557% | 6,006 |
| Net loans and leases to total assets | 5.9883% | 7,304 |
| Net loans and leases to deposits | 7.2157% | 7,310 |
| Net loans and leases to core deposits | 7.4551% | 7,298 |
| Total domestic deposits to total assets | 82.9901% | 4,750 |
| Equity capital to assets | 14.8146% | 822 |
| Core capital (leverage) ratio | 12.9584% | 1,161 |
| Tier 1 risk-based capital ratio | 15.3365% | 3,430 |
| Total risk-based capital ratio | 16.6527% | 3,340 |
| Memoranda: | ||
| Average total assets | $874,702,600 | 747 |
| Average earning assets | $855,685,000 | 684 |
| Average equity | $123,455,600 | 558 |
| Average total loans | $53,257,000 | 5,139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 6,688 |
| Cost of funding earning assets | 1.1772% | 2,469 |
| Net interest margin | 2.7552% | 6,939 |
| Noninterest income to average assets | 0.0517% | 6,949 |
| Noninterest expense to average assets | 0.6921% | 7,398 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3929% | 1,170 |
| Return on assets (ROA) | 1.4807% | 1,061 |
| Pretax return on assets | 2.1835% | 442 |
| Return on Equity (ROE) | 10.6238% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.4054% | 1,009 |
| Net charge-offs to loans | 3.2145% | 275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.4942% | 1,909 |
| Efficiency ratio | 25.2000% | 7,383 |
| Assets per employee ($millions) | 25.7397% | 50 |
| Cash dividends to net income (ytd only)* | 11.4683% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,749 |
| Loan loss allowance to noncurrent loans | 1,559.2593% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,657 |
| Noncurrent loans to loans | 0.1014% | 6,678 |
| Net loans and leases to total assets | 5.8162% | 7,380 |
| Net loans and leases to deposits | 6.8958% | 7,385 |
| Net loans and leases to core deposits | 7.1617% | 7,374 |
| Total domestic deposits to total assets | 84.3439% | 4,082 |
| Equity capital to assets | 13.6721% | 1,296 |
| Core capital (leverage) ratio | 12.6120% | 1,384 |
| Tier 1 risk-based capital ratio | 14.9047% | 3,718 |
| Total risk-based capital ratio | 15.8134% | 3,906 |
| Memoranda: | ||
| Average total assets | $873,863,750 | 756 |
| Average earning assets | $854,667,750 | 696 |
| Average equity | $121,799,250 | 575 |
| Average total loans | $53,216,250 | 5,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 6,696 |
| Cost of funding earning assets | 1.2032% | 2,561 |
| Net interest margin | 2.7763% | 6,954 |
| Noninterest income to average assets | 0.0520% | 7,039 |
| Noninterest expense to average assets | 0.6984% | 7,477 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3953% | 1,092 |
| Return on assets (ROA) | 1.5651% | 833 |
| Pretax return on assets | 2.3211% | 334 |
| Return on Equity (ROE) | 11.1552% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.3224% | 1,006 |
| Net charge-offs to loans | 3.3679% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.9788% | 1,863 |
| Efficiency ratio | 25.2487% | 7,457 |
| Assets per employee ($millions) | 24.9995% | 55 |
| Cash dividends to net income (ytd only)* | 16.4303% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3292% | 1,702 |
| Loan loss allowance to noncurrent loans | 682.7778% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 6,664 |
| Noncurrent loans to loans | 0.3411% | 6,235 |
| Net loans and leases to total assets | 5.8901% | 7,456 |
| Net loans and leases to deposits | 7.0244% | 7,463 |
| Net loans and leases to core deposits | 7.1378% | 7,453 |
| Total domestic deposits to total assets | 83.8519% | 4,412 |
| Equity capital to assets | 14.2051% | 1,027 |
| Core capital (leverage) ratio | 12.4560% | 1,384 |
| Tier 1 risk-based capital ratio | 15.1812% | 3,405 |
| Total risk-based capital ratio | 16.5880% | 3,278 |
| Memoranda: | ||
| Average total assets | $864,855,670 | 766 |
| Average earning assets | $845,441,670 | 711 |
| Average equity | $121,342,330 | 579 |
| Average total loans | $53,208,670 | 5,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 6,650 |
| Cost of funding earning assets | 1.2345% | 2,599 |
| Net interest margin | 2.7892% | 6,921 |
| Noninterest income to average assets | 0.0591% | 7,101 |
| Noninterest expense to average assets | 0.7048% | 7,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4075% | 1,049 |
| Return on assets (ROA) | 1.4473% | 1,028 |
| Pretax return on assets | 2.1363% | 445 |
| Return on Equity (ROE) | 10.3815% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.3815% | 1,028 |
| Net charge-offs to loans | -0.0150% | 6,481 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3302% | 7,512 |
| Assets per employee ($millions) | 24.8769% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8990% | 448 |
| Loan loss allowance to noncurrent loans | 928.8210% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 6,709 |
| Noncurrent loans to loans | 0.4198% | 6,158 |
| Net loans and leases to total assets | 6.0211% | 7,517 |
| Net loans and leases to deposits | 7.3068% | 7,524 |
| Net loans and leases to core deposits | 7.3894% | 7,511 |
| Total domestic deposits to total assets | 82.4034% | 5,144 |
| Equity capital to assets | 14.0717% | 990 |
| Core capital (leverage) ratio | 12.4456% | 1,349 |
| Tier 1 risk-based capital ratio | 14.7741% | 3,562 |
| Total risk-based capital ratio | 16.3730% | 3,319 |
| Memoranda: | ||
| Average total assets | $859,793,000 | 777 |
| Average earning assets | $839,520,000 | 721 |
| Average equity | $119,867,500 | 580 |
| Average total loans | $53,430,000 | 5,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 6,633 |
| Cost of funding earning assets | 1.4069% | 3,214 |
| Net interest margin | 2.9823% | 6,762 |
| Noninterest income to average assets | 0.0668% | 7,034 |
| Noninterest expense to average assets | 0.7489% | 7,600 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4671% | 826 |
| Return on assets (ROA) | 1.6605% | 605 |
| Pretax return on assets | 2.5179% | 181 |
| Return on Equity (ROE) | 12.6319% | 1,186 |
| Retained earnings to average equity (ytd only) | 10.7025% | 417 |
| Net charge-offs to loans | 0.2395% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 147.3760% | 169 |
| Efficiency ratio | 25.1838% | 7,605 |
| Assets per employee ($millions) | 24.2541% | 56 |
| Cash dividends to net income (ytd only)* | 15.2738% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0625% | 376 |
| Loan loss allowance to noncurrent loans | 1,021.6346% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,774 |
| Noncurrent loans to loans | 0.3976% | 6,253 |
| Net loans and leases to total assets | 5.9116% | 7,599 |
| Net loans and leases to deposits | 7.1405% | 7,605 |
| Net loans and leases to core deposits | 7.2032% | 7,590 |
| Total domestic deposits to total assets | 82.7891% | 4,887 |
| Equity capital to assets | 13.8078% | 1,098 |
| Core capital (leverage) ratio | 12.3010% | 1,389 |
| Tier 1 risk-based capital ratio | 14.5786% | 3,493 |
| Total risk-based capital ratio | 15.9811% | 3,370 |
| Memoranda: | ||
| Average total assets | $827,993,000 | 815 |
| Average earning assets | $807,091,400 | 752 |
| Average equity | $108,843,600 | 618 |
| Average total loans | $52,183,800 | 5,398 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 6,734 |
| Cost of funding earning assets | 1.4268% | 3,414 |
| Net interest margin | 3.0201% | 6,790 |
| Noninterest income to average assets | 0.0651% | 7,203 |
| Noninterest expense to average assets | 0.7500% | 7,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5217% | 879 |
| Return on assets (ROA) | 1.6456% | 745 |
| Pretax return on assets | 2.4431% | 256 |
| Return on Equity (ROE) | 12.6834% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.4494% | 534 |
| Net charge-offs to loans | -0.3221% | 7,651 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9313% | 7,708 |
| Assets per employee ($millions) | 23.7783% | 56 |
| Cash dividends to net income (ytd only)* | 9.7292% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5753% | 237 |
| Loan loss allowance to noncurrent loans | 1,159.0244% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 6,883 |
| Noncurrent loans to loans | 0.3948% | 6,409 |
| Net loans and leases to total assets | 5.9544% | 7,701 |
| Net loans and leases to deposits | 7.1319% | 7,708 |
| Net loans and leases to core deposits | 7.1891% | 7,691 |
| Total domestic deposits to total assets | 83.4899% | 4,382 |
| Equity capital to assets | 13.5490% | 1,331 |
| Core capital (leverage) ratio | 12.2384% | 1,541 |
| Tier 1 risk-based capital ratio | 14.4964% | 3,511 |
| Total risk-based capital ratio | 15.7571% | 3,480 |
| Memoranda: | ||
| Average total assets | $822,767,750 | 822 |
| Average earning assets | $801,760,250 | 760 |
| Average equity | $106,751,000 | 622 |
| Average total loans | $52,152,750 | 5,474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 6,753 |
| Cost of funding earning assets | 1.4422% | 3,604 |
| Net interest margin | 3.0382% | 6,749 |
| Noninterest income to average assets | 0.0678% | 7,243 |
| Noninterest expense to average assets | 0.7584% | 7,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5357% | 835 |
| Return on assets (ROA) | 1.5981% | 783 |
| Pretax return on assets | 2.3606% | 299 |
| Return on Equity (ROE) | 12.5043% | 1,349 |
| Retained earnings to average equity (ytd only) | 10.6179% | 726 |
| Net charge-offs to loans | -0.4787% | 7,727 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0524% | 7,775 |
| Assets per employee ($millions) | 23.1014% | 56 |
| Cash dividends to net income (ytd only)* | 15.0863% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4469% | 267 |
| Loan loss allowance to noncurrent loans | 26,388.8889% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 6,979 |
| Noncurrent loans to loans | 0.0169% | 7,289 |
| Net loans and leases to total assets | 6.1364% | 7,766 |
| Net loans and leases to deposits | 7.3234% | 7,776 |
| Net loans and leases to core deposits | 7.4515% | 7,761 |
| Total domestic deposits to total assets | 83.7914% | 4,205 |
| Equity capital to assets | 12.7810% | 1,656 |
| Core capital (leverage) ratio | 11.9237% | 1,685 |
| Tier 1 risk-based capital ratio | 14.4886% | 3,449 |
| Total risk-based capital ratio | 15.4898% | 3,549 |
| Memoranda: | ||
| Average total assets | $819,610,000 | 830 |
| Average earning assets | $798,374,000 | 763 |
| Average equity | $104,748,000 | 627 |
| Average total loans | $52,226,670 | 5,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 6,737 |
| Cost of funding earning assets | 1.4792% | 3,694 |
| Net interest margin | 3.0478% | 6,716 |
| Noninterest income to average assets | 0.0629% | 7,405 |
| Noninterest expense to average assets | 0.7950% | 7,892 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5239% | 862 |
| Return on assets (ROA) | 1.5674% | 854 |
| Pretax return on assets | 2.3019% | 347 |
| Return on Equity (ROE) | 12.2644% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.2644% | 709 |
| Net charge-offs to loans | -0.1239% | 7,560 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2117% | 7,875 |
| Assets per employee ($millions) | 22.5460% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4742% | 259 |
| Loan loss allowance to noncurrent loans | 25,177.7778% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 7,057 |
| Noncurrent loans to loans | 0.0178% | 7,374 |
| Net loans and leases to total assets | 5.9606% | 7,871 |
| Net loans and leases to deposits | 7.0727% | 7,876 |
| Net loans and leases to core deposits | 7.2339% | 7,861 |
| Total domestic deposits to total assets | 84.2772% | 4,005 |
| Equity capital to assets | 13.1378% | 1,469 |
| Core capital (leverage) ratio | 11.7692% | 1,767 |
| Tier 1 risk-based capital ratio | 14.8637% | 3,175 |
| Total risk-based capital ratio | 16.2024% | 3,091 |
| Memoranda: | ||
| Average total assets | $813,590,500 | 852 |
| Average earning assets | $792,834,500 | 782 |
| Average equity | $103,975,500 | 638 |
| Average total loans | $51,636,000 | 5,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 7,012 |
| Cost of funding earning assets | 1.8665% | 3,639 |
| Net interest margin | 2.9007% | 6,871 |
| Noninterest income to average assets | 0.0683% | 7,408 |
| Noninterest expense to average assets | 0.8354% | 7,962 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5688% | 584 |
| Return on assets (ROA) | 0.8591% | 2,386 |
| Pretax return on assets | 1.1152% | 2,201 |
| Return on Equity (ROE) | 7.5048% | 2,578 |
| Retained earnings to average equity (ytd only) | 4.4632% | 2,127 |
| Net charge-offs to loans | 0.3556% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 92.5359% | 302 |
| Efficiency ratio | 29.0837% | 7,939 |
| Assets per employee ($millions) | 22.6534% | 66 |
| Cash dividends to net income (ytd only)* | 40.5294% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2755% | 298 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 5,918 |
| Noncurrent loans to loans | 0.0475% | 7,316 |
| Net loans and leases to total assets | 6.1771% | 7,947 |
| Net loans and leases to deposits | 7.2832% | 7,953 |
| Net loans and leases to core deposits | 8.4240% | 7,948 |
| Total domestic deposits to total assets | 84.8134% | 3,644 |
| Equity capital to assets | 12.4235% | 1,785 |
| Core capital (leverage) ratio | 11.1888% | 2,114 |
| Tier 1 risk-based capital ratio | 14.4788% | 3,223 |
| Total risk-based capital ratio | 15.5978% | 3,241 |
| Memoranda: | ||
| Average total assets | $822,262,800 | 831 |
| Average earning assets | $794,843,800 | 770 |
| Average equity | $94,126,200 | 692 |
| Average total loans | $50,902,600 | 5,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 7,102 |
| Cost of funding earning assets | 1.9290% | 3,730 |
| Net interest margin | 2.8818% | 6,897 |
| Noninterest income to average assets | 0.0681% | 7,570 |
| Noninterest expense to average assets | 0.9602% | 8,037 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0062% | 292 |
| Return on assets (ROA) | 0.2427% | 5,098 |
| Pretax return on assets | 0.1262% | 5,466 |
| Return on Equity (ROE) | 2.1661% | 5,105 |
| Retained earnings to average equity (ytd only) | -0.5415% | 5,360 |
| Net charge-offs to loans | 0.2325% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 132.7050% | 288 |
| Efficiency ratio | 33.6929% | 7,990 |
| Assets per employee ($millions) | 22.6626% | 68 |
| Cash dividends to net income (ytd only)* | 125.0001% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5786% | 197 |
| Loan loss allowance to noncurrent loans | 775.8278% | 452 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 4,588 |
| Noncurrent loans to loans | 0.5902% | 6,131 |
| Net loans and leases to total assets | 5.9851% | 8,032 |
| Net loans and leases to deposits | 7.0329% | 8,037 |
| Net loans and leases to core deposits | 8.1789% | 8,028 |
| Total domestic deposits to total assets | 85.1026% | 3,175 |
| Equity capital to assets | 11.6007% | 2,505 |
| Core capital (leverage) ratio | 10.7279% | 2,617 |
| Tier 1 risk-based capital ratio | 13.5275% | 3,830 |
| Total risk-based capital ratio | 14.4068% | 4,018 |
| Memoranda: | ||
| Average total assets | $823,947,500 | 833 |
| Average earning assets | $795,354,250 | 776 |
| Average equity | $92,328,500 | 704 |
| Average total loans | $50,471,750 | 5,692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 7,044 |
| Cost of funding earning assets | 1.9905% | 3,821 |
| Net interest margin | 2.9036% | 6,799 |
| Noninterest income to average assets | 0.0682% | 7,646 |
| Noninterest expense to average assets | 1.0684% | 8,115 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9215% | 356 |
| Return on assets (ROA) | 0.2410% | 5,214 |
| Pretax return on assets | 0.1161% | 5,640 |
| Return on Equity (ROE) | 2.1757% | 5,229 |
| Retained earnings to average equity (ytd only) | 0.1267% | 5,154 |
| Net charge-offs to loans | 0.3384% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 87.3647% | 441 |
| Efficiency ratio | 37.2910% | 8,053 |
| Assets per employee ($millions) | 22.4459% | 71 |
| Cash dividends to net income (ytd only)* | 94.1767% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5507% | 168 |
| Loan loss allowance to noncurrent loans | 1,006.8670% | 354 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 4,457 |
| Noncurrent loans to loans | 0.4520% | 6,394 |
| Net loans and leases to total assets | 6.0896% | 8,123 |
| Net loans and leases to deposits | 6.9793% | 8,131 |
| Net loans and leases to core deposits | 8.2539% | 8,122 |
| Total domestic deposits to total assets | 87.2517% | 2,126 |
| Equity capital to assets | 11.4415% | 2,577 |
| Core capital (leverage) ratio | 10.7922% | 2,573 |
| Tier 1 risk-based capital ratio | 14.0475% | 3,491 |
| Total risk-based capital ratio | 14.6536% | 3,809 |
| Memoranda: | ||
| Average total assets | $826,645,330 | 849 |
| Average earning assets | $796,263,330 | 800 |
| Average equity | $91,556,330 | 721 |
| Average total loans | $50,238,000 | 5,757 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 7,316 |
| Cost of funding earning assets | 2.0987% | 3,655 |
| Net interest margin | 2.7360% | 7,130 |
| Noninterest income to average assets | 0.0732% | 7,686 |
| Noninterest expense to average assets | 0.7316% | 8,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5359% | 876 |
| Return on assets (ROA) | 0.7637% | 3,460 |
| Pretax return on assets | 0.9828% | 3,410 |
| Return on Equity (ROE) | 7.0071% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.8889% | 4,267 |
| Net charge-offs to loans | -0.1129% | 7,909 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0524% | 8,165 |
| Assets per employee ($millions) | 23.2183% | 73 |
| Cash dividends to net income (ytd only)* | 58.7719% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9232% | 115 |
| Loan loss allowance to noncurrent loans | 708.6957% | 521 |
| Noncurrent assets plus other real estate owned to assets | 1.3621% | 3,934 |
| Noncurrent loans to loans | 0.6947% | 5,669 |
| Net loans and leases to total assets | 5.6491% | 8,174 |
| Net loans and leases to deposits | 6.3591% | 8,183 |
| Net loans and leases to core deposits | 7.7433% | 8,173 |
| Total domestic deposits to total assets | 88.8348% | 1,314 |
| Equity capital to assets | 10.8351% | 3,136 |
| Core capital (leverage) ratio | 10.6885% | 2,751 |
| Tier 1 risk-based capital ratio | 14.1773% | 3,487 |
| Total risk-based capital ratio | 14.5659% | 3,904 |
| Memoranda: | ||
| Average total assets | $835,942,500 | 844 |
| Average earning assets | $803,942,500 | 794 |
| Average equity | $91,108,000 | 726 |
| Average total loans | $49,580,500 | 5,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 7,774 |
| Cost of funding earning assets | 2.8527% | 2,470 |
| Net interest margin | 2.2443% | 7,944 |
| Noninterest income to average assets | 0.0787% | 7,748 |
| Noninterest expense to average assets | 0.6771% | 8,246 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1761% | 1,853 |
| Return on assets (ROA) | -0.6879% | 6,963 |
| Pretax return on assets | -1.3250% | 7,176 |
| Return on Equity (ROE) | -5.8195% | 6,948 |
| Retained earnings to average equity (ytd only) | -7.6666% | 6,855 |
| Net charge-offs to loans | 0.3551% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 75.8229% | 540 |
| Efficiency ratio | 29.8975% | 8,236 |
| Assets per employee ($millions) | 23.2230% | 66 |
| Cash dividends to net income (ytd only)* | -31.7391% | 8,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9113% | 101 |
| Loan loss allowance to noncurrent loans | 2,250.9259% | 268 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 3,887 |
| Noncurrent loans to loans | 0.2182% | 6,738 |
| Net loans and leases to total assets | 5.6298% | 8,226 |
| Net loans and leases to deposits | 6.3504% | 8,237 |
| Net loans and leases to core deposits | 7.7882% | 8,230 |
| Total domestic deposits to total assets | 88.6533% | 1,181 |
| Equity capital to assets | 10.9626% | 3,074 |
| Core capital (leverage) ratio | 10.5185% | 2,963 |
| Tier 1 risk-based capital ratio | 14.0979% | 3,499 |
| Total risk-based capital ratio | 14.6337% | 3,786 |
| Memoranda: | ||
| Average total assets | $835,820,600 | 810 |
| Average earning assets | $814,074,000 | 744 |
| Average equity | $98,805,400 | 676 |
| Average total loans | $49,286,400 | 5,732 |