Home > Benchmark Community Bank > Performance and Condition Ratios
Benchmark Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 2,009 |
| Cost of funding earning assets | 0.7665% | 3,818 |
| Net interest margin | 4.2674% | 850 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 3.0738% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3758% | 1,260 |
| Return on assets (ROA) | 1.3771% | 1,230 |
| Pretax return on assets | 1.7273% | 1,010 |
| Return on Equity (ROE) | 16.4900% | 1,019 |
| Retained earnings to average equity (ytd only) | 11.0961% | 774 |
| Net charge-offs to loans | 0.0130% | 2,164 |
| Credit loss provision to net charge-offs | 315.3153% | 921 |
| Earnings coverage of net charge-offs (x) | 175.4234% | 638 |
| Efficiency ratio | 63.3858% | 2,684 |
| Assets per employee ($millions) | 5.3317% | 3,367 |
| Cash dividends to net income (ytd only)* | 32.7199% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 4,001 |
| Loan loss allowance to noncurrent loans | 330.4389% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 2,314 |
| Noncurrent loans to loans | 0.2375% | 2,358 |
| Net loans and leases to total assets | 76.1600% | 1,094 |
| Net loans and leases to deposits | 83.8720% | 1,788 |
| Net loans and leases to core deposits | 85.3880% | 2,349 |
| Total domestic deposits to total assets | 90.8100% | 553 |
| Equity capital to assets | 8.6205% | 2,955 |
| Core capital (leverage) ratio | 9.2685% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7182% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,128,564,400 | 894 |
| Average earning assets | $1,052,319,400 | 880 |
| Average equity | $94,231,000 | 989 |
| Average total loans | $850,753,400 | 827 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,950 |
| Cost of funding earning assets | 0.6246% | 3,932 |
| Net interest margin | 4.3246% | 782 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.0422% | 1,002 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4434% | 1,231 |
| Return on assets (ROA) | 1.4302% | 1,238 |
| Pretax return on assets | 1.7900% | 1,026 |
| Return on Equity (ROE) | 17.2700% | 1,034 |
| Retained earnings to average equity (ytd only) | 13.0010% | 814 |
| Net charge-offs to loans | 0.0143% | 1,881 |
| Credit loss provision to net charge-offs | 318.8889% | 848 |
| Earnings coverage of net charge-offs (x) | 169.6333% | 670 |
| Efficiency ratio | 61.9351% | 2,725 |
| Assets per employee ($millions) | 5.1084% | 3,513 |
| Cash dividends to net income (ytd only)* | 24.7357% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 3,971 |
| Loan loss allowance to noncurrent loans | 397.9417% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,526 |
| Noncurrent loans to loans | 0.2021% | 2,546 |
| Net loans and leases to total assets | 77.8000% | 908 |
| Net loans and leases to deposits | 85.8082% | 1,592 |
| Net loans and leases to core deposits | 87.0726% | 2,120 |
| Total domestic deposits to total assets | 90.6700% | 753 |
| Equity capital to assets | 8.6770% | 2,609 |
| Core capital (leverage) ratio | 9.3354% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7703% | 1,983 |
| Memoranda: | ||
| Average total assets | $1,120,128,000 | 904 |
| Average earning assets | $1,045,830,750 | 888 |
| Average equity | $92,739,500 | 1,000 |
| Average total loans | $840,385,000 | 835 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 1,952 |
| Cost of funding earning assets | 0.4756% | 4,027 |
| Net interest margin | 4.3448% | 754 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.9640% | 1,095 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.5222% | 1,061 |
| Return on assets (ROA) | 1.5070% | 1,090 |
| Pretax return on assets | 1.8925% | 884 |
| Return on Equity (ROE) | 18.4900% | 898 |
| Retained earnings to average equity (ytd only) | 13.1745% | 784 |
| Net charge-offs to loans | 0.0163% | 1,594 |
| Credit loss provision to net charge-offs | 422.0588% | 711 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 711 |
| Efficiency ratio | 59.5617% | 3,012 |
| Assets per employee ($millions) | 5.4497% | 3,193 |
| Cash dividends to net income (ytd only)* | 28.7550% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 3,956 |
| Loan loss allowance to noncurrent loans | 375.4707% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,402 |
| Noncurrent loans to loans | 0.2202% | 2,384 |
| Net loans and leases to total assets | 74.5900% | 1,218 |
| Net loans and leases to deposits | 81.9392% | 1,829 |
| Net loans and leases to core deposits | 83.2123% | 2,258 |
| Total domestic deposits to total assets | 91.0300% | 640 |
| Equity capital to assets | 8.4140% | 2,931 |
| Core capital (leverage) ratio | 8.9424% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7272% | 2,011 |
| Memoranda: | ||
| Average total assets | $1,125,697,000 | 889 |
| Average earning assets | $1,053,068,333 | 870 |
| Average equity | $91,738,000 | 1,003 |
| Average total loans | $832,027,667 | 824 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 1,818 |
| Cost of funding earning assets | 0.3171% | 4,147 |
| Net interest margin | 4.3940% | 689 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.9020% | 1,232 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.6142% | 954 |
| Return on assets (ROA) | 1.6284% | 933 |
| Pretax return on assets | 2.0432% | 719 |
| Return on Equity (ROE) | 20.3100% | 727 |
| Retained earnings to average equity (ytd only) | 18.9117% | 444 |
| Net charge-offs to loans | 0.0155% | 1,388 |
| Credit loss provision to net charge-offs | 896.8750% | 387 |
| Earnings coverage of net charge-offs (x) | 186.3750% | 527 |
| Efficiency ratio | 57.1701% | 3,283 |
| Assets per employee ($millions) | 5.6490% | 3,069 |
| Cash dividends to net income (ytd only)* | 6.8860% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,011 |
| Loan loss allowance to noncurrent loans | 894.0127% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,105 |
| Noncurrent loans to loans | 0.0939% | 3,079 |
| Net loans and leases to total assets | 73.3400% | 1,284 |
| Net loans and leases to deposits | 80.5268% | 1,779 |
| Net loans and leases to core deposits | 82.2724% | 2,102 |
| Total domestic deposits to total assets | 91.0800% | 773 |
| Equity capital to assets | 8.2255% | 3,097 |
| Core capital (leverage) ratio | 8.7695% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8670% | 2,024 |
| Memoranda: | ||
| Average total assets | $1,127,228,000 | 906 |
| Average earning assets | $1,055,714,000 | 891 |
| Average equity | $90,378,000 | 1,029 |
| Average total loans | $825,864,500 | 843 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 1,587 |
| Cost of funding earning assets | 0.1846% | 3,872 |
| Net interest margin | 3.8665% | 1,036 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.7823% | 1,350 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2630% | 1,556 |
| Return on assets (ROA) | 1.2373% | 1,591 |
| Pretax return on assets | 1.5419% | 1,318 |
| Return on Equity (ROE) | 15.7200% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.3949% | 1,041 |
| Net charge-offs to loans | 0.0119% | 1,942 |
| Credit loss provision to net charge-offs | 1,170.1149% | 390 |
| Earnings coverage of net charge-offs (x) | 208.4828% | 631 |
| Efficiency ratio | 62.3272% | 2,719 |
| Assets per employee ($millions) | 5.6801% | 3,050 |
| Cash dividends to net income (ytd only)* | 33.8758% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 3,949 |
| Loan loss allowance to noncurrent loans | 559.5414% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,765 |
| Noncurrent loans to loans | 0.1496% | 2,754 |
| Net loans and leases to total assets | 71.9600% | 1,420 |
| Net loans and leases to deposits | 78.4578% | 1,900 |
| Net loans and leases to core deposits | 79.8646% | 2,146 |
| Total domestic deposits to total assets | 91.7100% | 712 |
| Equity capital to assets | 7.8090% | 3,180 |
| Core capital (leverage) ratio | 8.4042% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3111% | 2,232 |
| Memoranda: | ||
| Average total assets | $1,087,686,200 | 911 |
| Average earning assets | $1,022,015,600 | 890 |
| Average equity | $85,609,000 | 1,074 |
| Average total loans | $729,284,800 | 873 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,666 |
| Cost of funding earning assets | 0.1809% | 3,508 |
| Net interest margin | 3.6473% | 1,279 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.6709% | 1,529 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2025% | 1,685 |
| Return on assets (ROA) | 1.1715% | 1,776 |
| Pretax return on assets | 1.4526% | 1,545 |
| Return on Equity (ROE) | 14.8500% | 1,210 |
| Retained earnings to average equity (ytd only) | 10.8931% | 1,080 |
| Net charge-offs to loans | 0.0117% | 1,681 |
| Credit loss provision to net charge-offs | 901.6129% | 432 |
| Earnings coverage of net charge-offs (x) | 203.5000% | 616 |
| Efficiency ratio | 63.1308% | 2,668 |
| Assets per employee ($millions) | 5.7915% | 2,940 |
| Cash dividends to net income (ytd only)* | 26.6674% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 4,053 |
| Loan loss allowance to noncurrent loans | 842.8195% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,217 |
| Noncurrent loans to loans | 0.0971% | 3,184 |
| Net loans and leases to total assets | 68.6500% | 1,598 |
| Net loans and leases to deposits | 74.7488% | 1,979 |
| Net loans and leases to core deposits | 76.1311% | 2,185 |
| Total domestic deposits to total assets | 91.8400% | 928 |
| Equity capital to assets | 7.4857% | 3,228 |
| Core capital (leverage) ratio | 8.6107% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7513% | 2,150 |
| Memoranda: | ||
| Average total assets | $1,078,443,250 | 924 |
| Average earning assets | $1,014,690,750 | 905 |
| Average equity | $85,055,000 | 1,090 |
| Average total loans | $707,586,000 | 892 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 1,708 |
| Cost of funding earning assets | 0.1864% | 3,097 |
| Net interest margin | 3.4568% | 1,429 |
| Noninterest income to average assets | 0.7218% | 1,256 |
| Noninterest expense to average assets | 2.6655% | 1,472 |
| Loan and lease loss provision to assets | 0.0416% | 1,827 |
| Net operating income to assets | 1.0288% | 2,050 |
| Return on assets (ROA) | 1.0016% | 2,123 |
| Pretax return on assets | 1.2383% | 1,938 |
| Return on Equity (ROE) | 12.4749% | 1,534 |
| Retained earnings to average equity (ytd only) | 7.2841% | 1,884 |
| Net charge-offs to loans | 0.0129% | 1,532 |
| Credit loss provision to net charge-offs | 502.2727% | 625 |
| Earnings coverage of net charge-offs (x) | 158.4318% | 616 |
| Efficiency ratio | 66.9902% | 2,387 |
| Assets per employee ($millions) | 5.6728% | 3,059 |
| Cash dividends to net income (ytd only)* | 41.6102% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,103 |
| Loan loss allowance to noncurrent loans | 552.9572% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 2,985 |
| Noncurrent loans to loans | 0.1519% | 2,934 |
| Net loans and leases to total assets | 67.6284% | 1,511 |
| Net loans and leases to deposits | 73.8061% | 1,886 |
| Net loans and leases to core deposits | 75.3091% | 2,064 |
| Total domestic deposits to total assets | 91.6298% | 987 |
| Equity capital to assets | 7.7988% | 3,268 |
| Core capital (leverage) ratio | 8.3898% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3258% | 1,931 |
| Memoranda: | ||
| Average total assets | $1,061,479,000 | 929 |
| Average earning assets | $1,000,183,000 | 915 |
| Average equity | $85,227,000 | 1,107 |
| Average total loans | $682,893,667 | 911 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 2,009 |
| Cost of funding earning assets | 0.1873% | 2,984 |
| Net interest margin | 3.2409% | 1,750 |
| Noninterest income to average assets | 0.6898% | 1,346 |
| Noninterest expense to average assets | 2.7331% | 1,285 |
| Loan and lease loss provision to assets | 0.0332% | 1,773 |
| Net operating income to assets | 0.8083% | 2,637 |
| Return on assets (ROA) | 0.7904% | 2,693 |
| Pretax return on assets | 0.9655% | 2,554 |
| Return on Equity (ROE) | 9.7045% | 2,080 |
| Retained earnings to average equity (ytd only) | 8.2428% | 1,506 |
| Net charge-offs to loans | 0.0103% | 1,386 |
| Credit loss provision to net charge-offs | 517.6471% | 502 |
| Earnings coverage of net charge-offs (x) | 159.3529% | 514 |
| Efficiency ratio | 72.8121% | 1,876 |
| Assets per employee ($millions) | 5.8862% | 2,915 |
| Cash dividends to net income (ytd only)* | 15.0620% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 4,093 |
| Loan loss allowance to noncurrent loans | 654.8246% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 3,231 |
| Noncurrent loans to loans | 0.1343% | 3,138 |
| Net loans and leases to total assets | 62.1455% | 1,841 |
| Net loans and leases to deposits | 67.8675% | 2,168 |
| Net loans and leases to core deposits | 69.4067% | 2,341 |
| Total domestic deposits to total assets | 91.5689% | 768 |
| Equity capital to assets | 7.8699% | 3,669 |
| Core capital (leverage) ratio | 8.4620% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1311% | 1,757 |
| Memoranda: | ||
| Average total assets | $1,061,807,500 | 931 |
| Average earning assets | $1,003,810,000 | 917 |
| Average equity | $86,475,000 | 1,124 |
| Average total loans | $662,593,500 | 925 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 1,456 |
| Cost of funding earning assets | 0.2671% | 2,730 |
| Net interest margin | 3.6922% | 1,233 |
| Noninterest income to average assets | 0.9006% | 1,193 |
| Noninterest expense to average assets | 2.8217% | 1,308 |
| Loan and lease loss provision to assets | 0.0341% | 2,373 |
| Net operating income to assets | 1.2260% | 1,834 |
| Return on assets (ROA) | 1.2229% | 1,896 |
| Pretax return on assets | 1.5144% | 1,672 |
| Return on Equity (ROE) | 14.0215% | 1,179 |
| Retained earnings to average equity (ytd only) | 9.2358% | 1,122 |
| Net charge-offs to loans | 0.0041% | 2,458 |
| Credit loss provision to net charge-offs | 1,269.2308% | 440 |
| Earnings coverage of net charge-offs (x) | 577.1923% | 247 |
| Efficiency ratio | 64.5099% | 2,479 |
| Assets per employee ($millions) | 5.7174% | 3,036 |
| Cash dividends to net income (ytd only)* | 34.1313% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,025 |
| Loan loss allowance to noncurrent loans | 516.2730% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 3,160 |
| Noncurrent loans to loans | 0.1769% | 3,059 |
| Net loans and leases to total assets | 61.5288% | 1,995 |
| Net loans and leases to deposits | 67.5768% | 2,345 |
| Net loans and leases to core deposits | 69.6835% | 2,482 |
| Total domestic deposits to total assets | 91.0501% | 478 |
| Equity capital to assets | 8.4296% | 4,095 |
| Core capital (leverage) ratio | 8.5467% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6288% | 1,642 |
| Memoranda: | ||
| Average total assets | $966,727,600 | 983 |
| Average earning assets | $909,469,000 | 976 |
| Average equity | $84,313,200 | 1,157 |
| Average total loans | $640,227,200 | 950 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 1,567 |
| Cost of funding earning assets | 0.2794% | 2,807 |
| Net interest margin | 3.7074% | 1,314 |
| Noninterest income to average assets | 0.8972% | 1,263 |
| Noninterest expense to average assets | 2.7473% | 1,466 |
| Loan and lease loss provision to assets | 0.0464% | 2,072 |
| Net operating income to assets | 1.2795% | 1,888 |
| Return on assets (ROA) | 1.2767% | 1,956 |
| Pretax return on assets | 1.5818% | 1,762 |
| Return on Equity (ROE) | 14.5051% | 1,255 |
| Retained earnings to average equity (ytd only) | 11.0929% | 1,044 |
| Net charge-offs to loans | 0.0040% | 2,202 |
| Credit loss provision to net charge-offs | 1,736.8421% | 362 |
| Earnings coverage of net charge-offs (x) | 610.7895% | 251 |
| Efficiency ratio | 62.7376% | 2,574 |
| Assets per employee ($millions) | 5.5087% | 3,195 |
| Cash dividends to net income (ytd only)* | 23.5242% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 4,146 |
| Loan loss allowance to noncurrent loans | 536.6031% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,371 |
| Noncurrent loans to loans | 0.1680% | 3,280 |
| Net loans and leases to total assets | 65.4807% | 1,599 |
| Net loans and leases to deposits | 72.2931% | 2,024 |
| Net loans and leases to core deposits | 74.7658% | 2,165 |
| Total domestic deposits to total assets | 90.5767% | 519 |
| Equity capital to assets | 8.7793% | 4,018 |
| Core capital (leverage) ratio | 8.6565% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5281% | 1,787 |
| Memoranda: | ||
| Average total assets | $948,268,750 | 1,013 |
| Average earning assets | $890,564,000 | 1,002 |
| Average equity | $83,462,750 | 1,183 |
| Average total loans | $638,747,250 | 963 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 1,739 |
| Cost of funding earning assets | 0.2852% | 2,918 |
| Net interest margin | 3.6466% | 1,478 |
| Noninterest income to average assets | 0.9014% | 1,272 |
| Noninterest expense to average assets | 2.7791% | 1,401 |
| Loan and lease loss provision to assets | 0.0319% | 2,345 |
| Net operating income to assets | 1.2159% | 2,128 |
| Return on assets (ROA) | 1.2124% | 2,220 |
| Pretax return on assets | 1.5039% | 1,998 |
| Return on Equity (ROE) | 13.7626% | 1,488 |
| Retained earnings to average equity (ytd only) | 9.3428% | 1,602 |
| Net charge-offs to loans | -0.0073% | 3,555 |
| Credit loss provision to net charge-offs | -647.8261% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3427% | 2,381 |
| Assets per employee ($millions) | 5.2603% | 3,397 |
| Cash dividends to net income (ytd only)* | 32.1145% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,201 |
| Loan loss allowance to noncurrent loans | 472.4816% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 3,257 |
| Noncurrent loans to loans | 0.1872% | 3,297 |
| Net loans and leases to total assets | 66.0831% | 1,687 |
| Net loans and leases to deposits | 72.6931% | 2,146 |
| Net loans and leases to core deposits | 74.8286% | 2,346 |
| Total domestic deposits to total assets | 90.9071% | 403 |
| Equity capital to assets | 8.5949% | 4,135 |
| Core capital (leverage) ratio | 8.5659% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2973% | 1,870 |
| Memoranda: | ||
| Average total assets | $933,837,000 | 1,018 |
| Average earning assets | $875,218,667 | 1,011 |
| Average equity | $82,266,333 | 1,194 |
| Average total loans | $633,266,000 | 975 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 1,632 |
| Cost of funding earning assets | 0.2995% | 3,000 |
| Net interest margin | 3.6901% | 1,356 |
| Noninterest income to average assets | 0.8860% | 1,367 |
| Noninterest expense to average assets | 2.7448% | 1,500 |
| Loan and lease loss provision to assets | 0.0307% | 2,375 |
| Net operating income to assets | 1.2641% | 1,936 |
| Return on assets (ROA) | 1.2563% | 2,035 |
| Pretax return on assets | 1.5552% | 1,844 |
| Return on Equity (ROE) | 14.0769% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.5134% | 1,024 |
| Net charge-offs to loans | 0.0141% | 1,465 |
| Credit loss provision to net charge-offs | 318.1818% | 732 |
| Earnings coverage of net charge-offs (x) | 165.2727% | 458 |
| Efficiency ratio | 63.2393% | 2,571 |
| Assets per employee ($millions) | 5.0654% | 3,576 |
| Cash dividends to net income (ytd only)* | 11.1072% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,167 |
| Loan loss allowance to noncurrent loans | 618.2913% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 3,377 |
| Noncurrent loans to loans | 0.1447% | 3,597 |
| Net loans and leases to total assets | 65.6587% | 1,838 |
| Net loans and leases to deposits | 72.3390% | 2,278 |
| Net loans and leases to core deposits | 74.6784% | 2,454 |
| Total domestic deposits to total assets | 90.7653% | 487 |
| Equity capital to assets | 8.6502% | 3,998 |
| Core capital (leverage) ratio | 8.7618% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0371% | 1,561 |
| Memoranda: | ||
| Average total assets | $911,550,500 | 1,024 |
| Average earning assets | $853,308,000 | 1,019 |
| Average equity | $81,353,000 | 1,192 |
| Average total loans | $623,732,500 | 983 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 827 |
| Cost of funding earning assets | 0.4457% | 3,307 |
| Net interest margin | 4.2955% | 513 |
| Noninterest income to average assets | 0.9490% | 1,154 |
| Noninterest expense to average assets | 3.2033% | 1,053 |
| Loan and lease loss provision to assets | 0.0721% | 3,481 |
| Net operating income to assets | 1.3491% | 1,128 |
| Return on assets (ROA) | 1.3553% | 1,207 |
| Pretax return on assets | 1.6697% | 905 |
| Return on Equity (ROE) | 13.6095% | 901 |
| Retained earnings to average equity (ytd only) | 6.7751% | 1,473 |
| Net charge-offs to loans | 0.0387% | 2,278 |
| Credit loss provision to net charge-offs | 238.1356% | 1,979 |
| Earnings coverage of net charge-offs (x) | 57.2627% | 1,093 |
| Efficiency ratio | 64.8786% | 2,693 |
| Assets per employee ($millions) | 4.6567% | 3,756 |
| Cash dividends to net income (ytd only)* | 50.2178% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,167 |
| Loan loss allowance to noncurrent loans | 476.7462% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 2,962 |
| Noncurrent loans to loans | 0.1904% | 3,530 |
| Net loans and leases to total assets | 70.1601% | 1,541 |
| Net loans and leases to deposits | 77.7047% | 2,102 |
| Net loans and leases to core deposits | 81.3675% | 2,245 |
| Total domestic deposits to total assets | 90.2907% | 452 |
| Equity capital to assets | 9.2248% | 3,865 |
| Core capital (leverage) ratio | 9.4059% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9507% | 1,548 |
| Memoranda: | ||
| Average total assets | $779,317,800 | 1,081 |
| Average earning assets | $723,598,800 | 1,074 |
| Average equity | $77,607,800 | 1,182 |
| Average total loans | $610,014,400 | 960 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 839 |
| Cost of funding earning assets | 0.4779% | 3,370 |
| Net interest margin | 4.3518% | 521 |
| Noninterest income to average assets | 0.9663% | 1,090 |
| Noninterest expense to average assets | 3.2403% | 998 |
| Loan and lease loss provision to assets | 0.0832% | 3,274 |
| Net operating income to assets | 1.3537% | 1,221 |
| Return on assets (ROA) | 1.3584% | 1,309 |
| Pretax return on assets | 1.6805% | 1,004 |
| Return on Equity (ROE) | 13.3578% | 1,016 |
| Retained earnings to average equity (ytd only) | 7.3488% | 1,562 |
| Net charge-offs to loans | 0.0348% | 2,138 |
| Credit loss provision to net charge-offs | 296.8553% | 1,770 |
| Earnings coverage of net charge-offs (x) | 62.7233% | 1,067 |
| Efficiency ratio | 64.8306% | 2,623 |
| Assets per employee ($millions) | 4.4100% | 3,945 |
| Cash dividends to net income (ytd only)* | 44.9851% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,177 |
| Loan loss allowance to noncurrent loans | 359.0997% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 2,623 |
| Noncurrent loans to loans | 0.2410% | 3,441 |
| Net loans and leases to total assets | 79.2644% | 682 |
| Net loans and leases to deposits | 88.4873% | 1,430 |
| Net loans and leases to core deposits | 92.9472% | 1,714 |
| Total domestic deposits to total assets | 89.5771% | 561 |
| Equity capital to assets | 9.8098% | 3,417 |
| Core capital (leverage) ratio | 9.6530% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6993% | 1,591 |
| Memoranda: | ||
| Average total assets | $756,444,500 | 1,092 |
| Average earning assets | $700,838,000 | 1,087 |
| Average equity | $76,927,000 | 1,186 |
| Average total loans | $608,378,250 | 963 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 953 |
| Cost of funding earning assets | 0.5119% | 3,465 |
| Net interest margin | 4.4010% | 615 |
| Noninterest income to average assets | 0.9957% | 995 |
| Noninterest expense to average assets | 3.3203% | 959 |
| Loan and lease loss provision to assets | 0.1276% | 2,746 |
| Net operating income to assets | 1.3078% | 1,337 |
| Return on assets (ROA) | 1.3151% | 1,430 |
| Pretax return on assets | 1.6279% | 1,163 |
| Return on Equity (ROE) | 12.7671% | 1,157 |
| Retained earnings to average equity (ytd only) | 8.6296% | 1,124 |
| Net charge-offs to loans | 0.0419% | 1,902 |
| Credit loss provision to net charge-offs | 377.6000% | 1,451 |
| Earnings coverage of net charge-offs (x) | 51.6720% | 1,079 |
| Efficiency ratio | 65.5281% | 2,584 |
| Assets per employee ($millions) | 4.2779% | 4,027 |
| Cash dividends to net income (ytd only)* | 32.4080% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 4,005 |
| Loan loss allowance to noncurrent loans | 323.9908% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 2,683 |
| Noncurrent loans to loans | 0.2778% | 3,387 |
| Net loans and leases to total assets | 78.1498% | 827 |
| Net loans and leases to deposits | 87.4148% | 1,617 |
| Net loans and leases to core deposits | 92.1709% | 1,890 |
| Total domestic deposits to total assets | 89.4011% | 610 |
| Equity capital to assets | 9.8725% | 3,310 |
| Core capital (leverage) ratio | 10.0643% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7881% | 1,548 |
| Memoranda: | ||
| Average total assets | $739,582,333 | 1,092 |
| Average earning assets | $684,155,333 | 1,097 |
| Average equity | $76,180,000 | 1,187 |
| Average total loans | $596,080,333 | 966 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 858 |
| Cost of funding earning assets | 0.5545% | 3,672 |
| Net interest margin | 4.5084% | 494 |
| Noninterest income to average assets | 1.0986% | 710 |
| Noninterest expense to average assets | 3.6039% | 810 |
| Loan and lease loss provision to assets | 0.1261% | 2,128 |
| Net operating income to assets | 1.2476% | 1,383 |
| Return on assets (ROA) | 1.2476% | 1,484 |
| Pretax return on assets | 1.5335% | 1,224 |
| Return on Equity (ROE) | 11.8398% | 1,147 |
| Retained earnings to average equity (ytd only) | 8.5421% | 1,089 |
| Net charge-offs to loans | 0.0165% | 2,042 |
| Credit loss provision to net charge-offs | 933.3333% | 612 |
| Earnings coverage of net charge-offs (x) | 123.3750% | 503 |
| Efficiency ratio | 68.4698% | 2,590 |
| Assets per employee ($millions) | 3.8885% | 4,067 |
| Cash dividends to net income (ytd only)* | 27.8527% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,018 |
| Loan loss allowance to noncurrent loans | 403.1688% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 2,863 |
| Noncurrent loans to loans | 0.2299% | 3,663 |
| Net loans and leases to total assets | 81.7444% | 464 |
| Net loans and leases to deposits | 92.1246% | 1,268 |
| Net loans and leases to core deposits | 97.8348% | 1,645 |
| Total domestic deposits to total assets | 88.7324% | 793 |
| Equity capital to assets | 10.6370% | 3,201 |
| Core capital (leverage) ratio | 10.6096% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4702% | 1,764 |
| Memoranda: | ||
| Average total assets | $713,667,500 | 1,094 |
| Average earning assets | $659,307,000 | 1,092 |
| Average equity | $75,204,000 | 1,198 |
| Average total loans | $582,068,000 | 964 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 1,158 |
| Cost of funding earning assets | 0.5919% | 3,674 |
| Net interest margin | 4.5346% | 673 |
| Noninterest income to average assets | 0.9764% | 1,024 |
| Noninterest expense to average assets | 3.3247% | 1,251 |
| Loan and lease loss provision to assets | 0.1089% | 1,911 |
| Net operating income to assets | 1.4119% | 1,305 |
| Return on assets (ROA) | 1.4123% | 1,382 |
| Pretax return on assets | 1.7397% | 1,087 |
| Return on Equity (ROE) | 13.4325% | 1,042 |
| Retained earnings to average equity (ytd only) | 3.3025% | 3,354 |
| Net charge-offs to loans | 0.1265% | 1,506 |
| Credit loss provision to net charge-offs | 109.2754% | 2,277 |
| Earnings coverage of net charge-offs (x) | 18.5522% | 2,053 |
| Efficiency ratio | 64.2720% | 3,037 |
| Assets per employee ($millions) | 3.7864% | 4,162 |
| Cash dividends to net income (ytd only)* | 75.4140% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 3,887 |
| Loan loss allowance to noncurrent loans | 324.3692% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 2,441 |
| Noncurrent loans to loans | 0.2832% | 3,428 |
| Net loans and leases to total assets | 79.8659% | 807 |
| Net loans and leases to deposits | 89.6303% | 1,639 |
| Net loans and leases to core deposits | 94.8202% | 1,996 |
| Total domestic deposits to total assets | 89.1059% | 628 |
| Equity capital to assets | 10.4378% | 3,506 |
| Core capital (leverage) ratio | 10.3813% | 3,092 |
| Tier 1 risk-based capital ratio | 14.4836% | 3,025 |
| Total risk-based capital ratio | 15.5210% | 3,049 |
| Memoranda: | ||
| Average total assets | $692,639,200 | 1,078 |
| Average earning assets | $640,983,600 | 1,078 |
| Average equity | $72,823,200 | 1,185 |
| Average total loans | $545,312,400 | 989 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 1,259 |
| Cost of funding earning assets | 0.5889% | 3,744 |
| Net interest margin | 4.5262% | 726 |
| Noninterest income to average assets | 0.9692% | 1,002 |
| Noninterest expense to average assets | 3.3513% | 1,176 |
| Loan and lease loss provision to assets | 0.1056% | 1,829 |
| Net operating income to assets | 1.3773% | 1,541 |
| Return on assets (ROA) | 1.3778% | 1,611 |
| Pretax return on assets | 1.7019% | 1,333 |
| Return on Equity (ROE) | 13.0803% | 1,255 |
| Retained earnings to average equity (ytd only) | 4.9631% | 2,905 |
| Net charge-offs to loans | 0.0679% | 1,856 |
| Credit loss provision to net charge-offs | 198.9051% | 1,320 |
| Earnings coverage of net charge-offs (x) | 34.0223% | 1,509 |
| Efficiency ratio | 64.9694% | 2,869 |
| Assets per employee ($millions) | 3.7658% | 4,196 |
| Cash dividends to net income (ytd only)* | 62.0569% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,599 |
| Loan loss allowance to noncurrent loans | 221.6512% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 1,959 |
| Noncurrent loans to loans | 0.4484% | 2,960 |
| Net loans and leases to total assets | 77.8988% | 1,157 |
| Net loans and leases to deposits | 87.7748% | 1,962 |
| Net loans and leases to core deposits | 93.1437% | 2,251 |
| Total domestic deposits to total assets | 88.7485% | 712 |
| Equity capital to assets | 10.6527% | 3,417 |
| Core capital (leverage) ratio | 10.5923% | 3,015 |
| Tier 1 risk-based capital ratio | 15.1677% | 2,770 |
| Total risk-based capital ratio | 16.2918% | 2,757 |
| Memoranda: | ||
| Average total assets | $687,836,000 | 1,085 |
| Average earning assets | $636,607,250 | 1,084 |
| Average equity | $72,453,500 | 1,184 |
| Average total loans | $538,191,000 | 1,003 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 1,259 |
| Cost of funding earning assets | 0.5659% | 3,808 |
| Net interest margin | 4.5180% | 742 |
| Noninterest income to average assets | 0.9376% | 988 |
| Noninterest expense to average assets | 3.3176% | 1,250 |
| Loan and lease loss provision to assets | 0.1463% | 1,261 |
| Net operating income to assets | 1.3405% | 1,615 |
| Return on assets (ROA) | 1.3405% | 1,680 |
| Pretax return on assets | 1.6594% | 1,370 |
| Return on Equity (ROE) | 12.7752% | 1,308 |
| Retained earnings to average equity (ytd only) | 0.4768% | 4,575 |
| Net charge-offs to loans | 0.0468% | 1,980 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 49.3760% | 1,103 |
| Efficiency ratio | 64.7556% | 3,010 |
| Assets per employee ($millions) | 3.8801% | 4,024 |
| Cash dividends to net income (ytd only)* | 96.2680% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,404 |
| Loan loss allowance to noncurrent loans | 139.6897% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 1,701 |
| Noncurrent loans to loans | 0.7423% | 2,133 |
| Net loans and leases to total assets | 75.8553% | 1,572 |
| Net loans and leases to deposits | 85.0138% | 2,365 |
| Net loans and leases to core deposits | 90.2121% | 2,580 |
| Total domestic deposits to total assets | 89.2270% | 580 |
| Equity capital to assets | 10.2395% | 3,760 |
| Core capital (leverage) ratio | 10.1993% | 3,382 |
| Tier 1 risk-based capital ratio | 15.1369% | 2,775 |
| Total risk-based capital ratio | 16.3210% | 2,724 |
| Memoranda: | ||
| Average total assets | $683,637,000 | 1,089 |
| Average earning assets | $633,331,330 | 1,091 |
| Average equity | $71,733,000 | 1,187 |
| Average total loans | $533,886,000 | 1,008 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 1,224 |
| Cost of funding earning assets | 0.5200% | 3,975 |
| Net interest margin | 4.5246% | 705 |
| Noninterest income to average assets | 0.8827% | 1,076 |
| Noninterest expense to average assets | 3.5165% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2647% | 1,833 |
| Return on assets (ROA) | 1.2647% | 1,881 |
| Pretax return on assets | 1.5572% | 1,586 |
| Return on Equity (ROE) | 11.9034% | 1,571 |
| Retained earnings to average equity (ytd only) | 6.3202% | 2,312 |
| Net charge-offs to loans | 0.0384% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 51.4706% | 1,007 |
| Efficiency ratio | 69.3090% | 2,458 |
| Assets per employee ($millions) | 3.9815% | 3,953 |
| Cash dividends to net income (ytd only)* | 46.9043% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,852 |
| Loan loss allowance to noncurrent loans | 186.1372% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 2,181 |
| Noncurrent loans to loans | 0.5230% | 2,749 |
| Net loans and leases to total assets | 74.4175% | 1,726 |
| Net loans and leases to deposits | 83.4741% | 2,444 |
| Net loans and leases to core deposits | 88.5217% | 2,640 |
| Total domestic deposits to total assets | 89.1505% | 791 |
| Equity capital to assets | 10.2794% | 3,544 |
| Core capital (leverage) ratio | 10.8686% | 2,688 |
| Tier 1 risk-based capital ratio | 15.7654% | 2,541 |
| Total risk-based capital ratio | 16.8897% | 2,511 |
| Memoranda: | ||
| Average total assets | $674,304,000 | 1,106 |
| Average earning assets | $624,580,000 | 1,110 |
| Average equity | $71,643,500 | 1,186 |
| Average total loans | $531,671,000 | 1,020 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 801 |
| Cost of funding earning assets | 0.4288% | 3,809 |
| Net interest margin | 4.7001% | 488 |
| Noninterest income to average assets | 1.0203% | 907 |
| Noninterest expense to average assets | 3.3714% | 1,196 |
| Loan and lease loss provision to assets | 0.1511% | 1,404 |
| Net operating income to assets | 1.4979% | 1,125 |
| Return on assets (ROA) | 1.4995% | 1,105 |
| Pretax return on assets | 1.8254% | 860 |
| Return on Equity (ROE) | 13.3916% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.7177% | 2,346 |
| Net charge-offs to loans | 0.0838% | 1,941 |
| Credit loss provision to net charge-offs | 217.2494% | 1,334 |
| Earnings coverage of net charge-offs (x) | 28.3893% | 1,652 |
| Efficiency ratio | 63.0648% | 3,332 |
| Assets per employee ($millions) | 3.6173% | 4,431 |
| Cash dividends to net income (ytd only)* | 57.3035% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,835 |
| Loan loss allowance to noncurrent loans | 297.7130% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,280 |
| Noncurrent loans to loans | 0.3277% | 3,379 |
| Net loans and leases to total assets | 82.0863% | 634 |
| Net loans and leases to deposits | 92.6241% | 1,455 |
| Net loans and leases to core deposits | 96.5159% | 2,015 |
| Total domestic deposits to total assets | 88.6230% | 1,015 |
| Equity capital to assets | 11.0029% | 2,685 |
| Core capital (leverage) ratio | 11.1840% | 2,370 |
| Tier 1 risk-based capital ratio | 15.3915% | 2,666 |
| Total risk-based capital ratio | 16.5184% | 2,644 |
| Memoranda: | ||
| Average total assets | $616,801,800 | 1,172 |
| Average earning assets | $567,672,800 | 1,189 |
| Average equity | $69,065,800 | 1,173 |
| Average total loans | $511,742,600 | 1,023 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 796 |
| Cost of funding earning assets | 0.4074% | 3,807 |
| Net interest margin | 4.6725% | 499 |
| Noninterest income to average assets | 1.0050% | 953 |
| Noninterest expense to average assets | 3.3740% | 1,160 |
| Loan and lease loss provision to assets | 0.1543% | 1,266 |
| Net operating income to assets | 1.4415% | 1,355 |
| Return on assets (ROA) | 1.4415% | 1,356 |
| Pretax return on assets | 1.7737% | 1,077 |
| Return on Equity (ROE) | 12.8167% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.4035% | 2,433 |
| Net charge-offs to loans | 0.0556% | 2,025 |
| Credit loss provision to net charge-offs | 334.5972% | 938 |
| Earnings coverage of net charge-offs (x) | 41.8051% | 1,318 |
| Efficiency ratio | 63.6367% | 3,247 |
| Assets per employee ($millions) | 3.6155% | 4,414 |
| Cash dividends to net income (ytd only)* | 50.0379% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 3,889 |
| Loan loss allowance to noncurrent loans | 207.8369% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 1,737 |
| Noncurrent loans to loans | 0.4718% | 2,974 |
| Net loans and leases to total assets | 84.8927% | 367 |
| Net loans and leases to deposits | 96.2309% | 1,130 |
| Net loans and leases to core deposits | 104.6465% | 1,406 |
| Total domestic deposits to total assets | 88.2177% | 1,148 |
| Equity capital to assets | 11.3215% | 2,384 |
| Core capital (leverage) ratio | 11.4071% | 2,240 |
| Tier 1 risk-based capital ratio | 15.4184% | 2,680 |
| Total risk-based capital ratio | 16.5550% | 2,665 |
| Memoranda: | ||
| Average total assets | $610,016,500 | 1,189 |
| Average earning assets | $560,994,500 | 1,199 |
| Average equity | $68,606,750 | 1,177 |
| Average total loans | $506,240,750 | 1,033 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 826 |
| Cost of funding earning assets | 0.3833% | 3,845 |
| Net interest margin | 4.6149% | 536 |
| Noninterest income to average assets | 0.9650% | 1,020 |
| Noninterest expense to average assets | 3.2832% | 1,362 |
| Loan and lease loss provision to assets | 0.1709% | 1,074 |
| Net operating income to assets | 1.4244% | 1,355 |
| Return on assets (ROA) | 1.4244% | 1,358 |
| Pretax return on assets | 1.7541% | 1,087 |
| Return on Equity (ROE) | 12.6937% | 1,478 |
| Retained earnings to average equity (ytd only) | 3.0083% | 4,046 |
| Net charge-offs to loans | 0.0578% | 1,777 |
| Credit loss provision to net charge-offs | 360.4167% | 883 |
| Earnings coverage of net charge-offs (x) | 40.5903% | 1,279 |
| Efficiency ratio | 63.0391% | 3,466 |
| Assets per employee ($millions) | 3.7445% | 4,290 |
| Cash dividends to net income (ytd only)* | 76.3006% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,932 |
| Loan loss allowance to noncurrent loans | 216.6382% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 1,648 |
| Noncurrent loans to loans | 0.4547% | 3,073 |
| Net loans and leases to total assets | 82.6153% | 639 |
| Net loans and leases to deposits | 93.2348% | 1,443 |
| Net loans and leases to core deposits | 97.0242% | 1,964 |
| Total domestic deposits to total assets | 88.6099% | 1,091 |
| Equity capital to assets | 11.0065% | 2,634 |
| Core capital (leverage) ratio | 11.2435% | 2,306 |
| Tier 1 risk-based capital ratio | 15.2598% | 2,753 |
| Total risk-based capital ratio | 16.3953% | 2,727 |
| Memoranda: | ||
| Average total assets | $607,272,330 | 1,195 |
| Average earning assets | $558,361,330 | 1,204 |
| Average equity | $68,144,000 | 1,183 |
| Average total loans | $498,305,670 | 1,051 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 753 |
| Cost of funding earning assets | 0.3715% | 3,815 |
| Net interest margin | 4.5940% | 507 |
| Noninterest income to average assets | 0.9668% | 986 |
| Noninterest expense to average assets | 3.3215% | 1,309 |
| Loan and lease loss provision to assets | 0.1037% | 1,789 |
| Net operating income to assets | 1.4392% | 1,227 |
| Return on assets (ROA) | 1.4392% | 1,232 |
| Pretax return on assets | 1.7727% | 960 |
| Return on Equity (ROE) | 12.6968% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.6968% | 569 |
| Net charge-offs to loans | 0.0261% | 1,977 |
| Credit loss provision to net charge-offs | 487.5000% | 611 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 661 |
| Efficiency ratio | 63.9013% | 3,495 |
| Assets per employee ($millions) | 3.7350% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,066 |
| Loan loss allowance to noncurrent loans | 150.5145% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 1,492 |
| Noncurrent loans to loans | 0.6509% | 2,598 |
| Net loans and leases to total assets | 80.1340% | 916 |
| Net loans and leases to deposits | 90.9490% | 1,568 |
| Net loans and leases to core deposits | 94.4456% | 2,101 |
| Total domestic deposits to total assets | 88.1087% | 1,555 |
| Equity capital to assets | 11.3597% | 2,250 |
| Core capital (leverage) ratio | 11.6667% | 1,883 |
| Tier 1 risk-based capital ratio | 16.3023% | 2,354 |
| Total risk-based capital ratio | 17.4365% | 2,351 |
| Memoranda: | ||
| Average total assets | $602,013,000 | 1,213 |
| Average earning assets | $554,459,500 | 1,221 |
| Average equity | $68,237,500 | 1,193 |
| Average total loans | $489,706,000 | 1,076 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 799 |
| Cost of funding earning assets | 0.3580% | 3,634 |
| Net interest margin | 4.5415% | 562 |
| Noninterest income to average assets | 1.0566% | 906 |
| Noninterest expense to average assets | 3.3693% | 1,254 |
| Loan and lease loss provision to assets | 0.0871% | 2,449 |
| Net operating income to assets | 1.0658% | 1,988 |
| Return on assets (ROA) | 1.0776% | 1,968 |
| Pretax return on assets | 1.7824% | 826 |
| Return on Equity (ROE) | 9.3845% | 2,147 |
| Retained earnings to average equity (ytd only) | 5.3272% | 1,911 |
| Net charge-offs to loans | 0.1030% | 2,039 |
| Credit loss provision to net charge-offs | 105.2411% | 2,445 |
| Earnings coverage of net charge-offs (x) | 22.3564% | 1,853 |
| Efficiency ratio | 64.5408% | 3,525 |
| Assets per employee ($millions) | 3.5642% | 4,616 |
| Cash dividends to net income (ytd only)* | 43.2345% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 4,123 |
| Loan loss allowance to noncurrent loans | 148.3596% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 1,367 |
| Noncurrent loans to loans | 0.6513% | 2,591 |
| Net loans and leases to total assets | 80.9820% | 837 |
| Net loans and leases to deposits | 91.7104% | 1,568 |
| Net loans and leases to core deposits | 94.8265% | 2,125 |
| Total domestic deposits to total assets | 88.3019% | 1,345 |
| Equity capital to assets | 11.3095% | 2,355 |
| Core capital (leverage) ratio | 11.6094% | 1,863 |
| Tier 1 risk-based capital ratio | 15.9204% | 2,461 |
| Total risk-based capital ratio | 17.0340% | 2,460 |
| Memoranda: | ||
| Average total assets | $576,089,200 | 1,240 |
| Average earning assets | $528,175,600 | 1,241 |
| Average equity | $66,151,600 | 1,209 |
| Average total loans | $463,296,400 | 1,099 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 802 |
| Cost of funding earning assets | 0.3619% | 3,539 |
| Net interest margin | 4.5123% | 587 |
| Noninterest income to average assets | 1.0798% | 873 |
| Noninterest expense to average assets | 3.2668% | 1,417 |
| Loan and lease loss provision to assets | 0.1172% | 1,852 |
| Net operating income to assets | 1.2733% | 1,423 |
| Return on assets (ROA) | 1.2819% | 1,426 |
| Pretax return on assets | 1.8437% | 796 |
| Return on Equity (ROE) | 11.1202% | 1,653 |
| Retained earnings to average equity (ytd only) | 8.5209% | 1,007 |
| Net charge-offs to loans | 0.1055% | 1,737 |
| Credit loss provision to net charge-offs | 138.6740% | 1,788 |
| Earnings coverage of net charge-offs (x) | 23.0638% | 1,833 |
| Efficiency ratio | 62.6393% | 3,785 |
| Assets per employee ($millions) | 3.4334% | 4,821 |
| Cash dividends to net income (ytd only)* | 23.3752% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,892 |
| Loan loss allowance to noncurrent loans | 144.1089% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 1,299 |
| Noncurrent loans to loans | 0.7167% | 2,567 |
| Net loans and leases to total assets | 82.0094% | 682 |
| Net loans and leases to deposits | 93.8002% | 1,322 |
| Net loans and leases to core deposits | 97.0144% | 1,979 |
| Total domestic deposits to total assets | 87.4298% | 1,655 |
| Equity capital to assets | 12.1180% | 1,891 |
| Core capital (leverage) ratio | 12.0514% | 1,652 |
| Tier 1 risk-based capital ratio | 16.7987% | 2,219 |
| Total risk-based capital ratio | 17.9909% | 2,190 |
| Memoranda: | ||
| Average total assets | $571,305,000 | 1,258 |
| Average earning assets | $523,591,000 | 1,261 |
| Average equity | $65,860,250 | 1,216 |
| Average total loans | $457,438,250 | 1,115 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 869 |
| Cost of funding earning assets | 0.3662% | 3,418 |
| Net interest margin | 4.4286% | 667 |
| Noninterest income to average assets | 1.0574% | 905 |
| Noninterest expense to average assets | 3.2562% | 1,457 |
| Loan and lease loss provision to assets | 0.1345% | 1,550 |
| Net operating income to assets | 1.2051% | 1,579 |
| Return on assets (ROA) | 1.2180% | 1,579 |
| Pretax return on assets | 1.7469% | 957 |
| Return on Equity (ROE) | 10.7455% | 1,738 |
| Retained earnings to average equity (ytd only) | 6.7989% | 1,687 |
| Net charge-offs to loans | 0.1078% | 1,554 |
| Credit loss provision to net charge-offs | 157.5510% | 1,482 |
| Earnings coverage of net charge-offs (x) | 21.8245% | 1,734 |
| Efficiency ratio | 63.6085% | 3,741 |
| Assets per employee ($millions) | 3.6548% | 4,503 |
| Cash dividends to net income (ytd only)* | 36.7277% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,887 |
| Loan loss allowance to noncurrent loans | 155.5520% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 1,428 |
| Noncurrent loans to loans | 0.6706% | 2,742 |
| Net loans and leases to total assets | 79.1679% | 1,072 |
| Net loans and leases to deposits | 89.8541% | 1,748 |
| Net loans and leases to core deposits | 92.0861% | 2,329 |
| Total domestic deposits to total assets | 88.1072% | 1,407 |
| Equity capital to assets | 11.4782% | 2,335 |
| Core capital (leverage) ratio | 11.5381% | 1,944 |
| Tier 1 risk-based capital ratio | 16.5733% | 2,289 |
| Total risk-based capital ratio | 17.7852% | 2,258 |
| Memoranda: | ||
| Average total assets | $574,049,670 | 1,260 |
| Average earning assets | $526,490,670 | 1,258 |
| Average equity | $65,069,330 | 1,228 |
| Average total loans | $454,387,670 | 1,124 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 907 |
| Cost of funding earning assets | 0.3696% | 3,316 |
| Net interest margin | 4.3490% | 708 |
| Noninterest income to average assets | 1.0141% | 978 |
| Noninterest expense to average assets | 3.2267% | 1,532 |
| Loan and lease loss provision to assets | 0.1265% | 1,526 |
| Net operating income to assets | 1.1573% | 1,637 |
| Return on assets (ROA) | 1.1832% | 1,585 |
| Pretax return on assets | 1.6948% | 1,019 |
| Return on Equity (ROE) | 10.5053% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.5053% | 702 |
| Net charge-offs to loans | 0.1225% | 1,184 |
| Credit loss provision to net charge-offs | 131.1594% | 1,307 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,562 |
| Efficiency ratio | 64.3933% | 3,772 |
| Assets per employee ($millions) | 3.6239% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 4,018 |
| Loan loss allowance to noncurrent loans | 178.6904% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.1293% | 1,571 |
| Noncurrent loans to loans | 0.5835% | 3,057 |
| Net loans and leases to total assets | 77.7690% | 1,167 |
| Net loans and leases to deposits | 88.3313% | 1,754 |
| Net loans and leases to core deposits | 91.8650% | 2,178 |
| Total domestic deposits to total assets | 88.0424% | 1,693 |
| Equity capital to assets | 11.3446% | 2,311 |
| Core capital (leverage) ratio | 11.5866% | 1,887 |
| Tier 1 risk-based capital ratio | 16.8250% | 2,238 |
| Total risk-based capital ratio | 18.0397% | 2,221 |
| Memoranda: | ||
| Average total assets | $572,344,000 | 1,257 |
| Average earning assets | $526,012,000 | 1,260 |
| Average equity | $64,463,000 | 1,240 |
| Average total loans | $450,590,000 | 1,127 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 754 |
| Cost of funding earning assets | 0.4272% | 2,734 |
| Net interest margin | 4.4627% | 668 |
| Noninterest income to average assets | 1.0147% | 1,100 |
| Noninterest expense to average assets | 3.3704% | 1,424 |
| Loan and lease loss provision to assets | 0.0239% | 3,886 |
| Net operating income to assets | 1.1857% | 1,552 |
| Return on assets (ROA) | 1.2126% | 1,548 |
| Pretax return on assets | 1.7495% | 890 |
| Return on Equity (ROE) | 10.5897% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.1604% | 1,164 |
| Net charge-offs to loans | 0.0401% | 3,224 |
| Credit loss provision to net charge-offs | 74.7126% | 3,062 |
| Earnings coverage of net charge-offs (x) | 54.1954% | 961 |
| Efficiency ratio | 66.0241% | 3,584 |
| Assets per employee ($millions) | 3.5531% | 4,674 |
| Cash dividends to net income (ytd only)* | 32.3828% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 4,049 |
| Loan loss allowance to noncurrent loans | 130.4796% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 1,353 |
| Noncurrent loans to loans | 0.7998% | 2,512 |
| Net loans and leases to total assets | 78.0447% | 1,190 |
| Net loans and leases to deposits | 88.3659% | 1,878 |
| Net loans and leases to core deposits | 91.8744% | 2,314 |
| Total domestic deposits to total assets | 88.3200% | 1,477 |
| Equity capital to assets | 11.1803% | 2,440 |
| Core capital (leverage) ratio | 11.3789% | 2,024 |
| Tier 1 risk-based capital ratio | 16.5871% | 2,309 |
| Total risk-based capital ratio | 17.8056% | 2,268 |
| Memoranda: | ||
| Average total assets | $543,708,600 | 1,275 |
| Average earning assets | $498,310,400 | 1,277 |
| Average equity | $62,258,800 | 1,259 |
| Average total loans | $433,941,000 | 1,124 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 708 |
| Cost of funding earning assets | 0.4400% | 2,637 |
| Net interest margin | 4.4736% | 669 |
| Noninterest income to average assets | 1.0287% | 1,084 |
| Noninterest expense to average assets | 3.3730% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2194% | 1,568 |
| Return on assets (ROA) | 1.2517% | 1,554 |
| Pretax return on assets | 1.8003% | 900 |
| Return on Equity (ROE) | 10.8629% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.6348% | 930 |
| Net charge-offs to loans | 0.0356% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 61.4955% | 937 |
| Efficiency ratio | 65.7862% | 3,624 |
| Assets per employee ($millions) | 3.5705% | 4,688 |
| Cash dividends to net income (ytd only)* | 20.5114% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,119 |
| Loan loss allowance to noncurrent loans | 164.6533% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 1,655 |
| Noncurrent loans to loans | 0.6381% | 3,103 |
| Net loans and leases to total assets | 79.9422% | 903 |
| Net loans and leases to deposits | 91.3049% | 1,597 |
| Net loans and leases to core deposits | 95.1382% | 2,085 |
| Total domestic deposits to total assets | 87.5553% | 1,636 |
| Equity capital to assets | 11.7818% | 2,277 |
| Core capital (leverage) ratio | 11.7465% | 1,848 |
| Tier 1 risk-based capital ratio | 17.0071% | 2,223 |
| Total risk-based capital ratio | 18.2459% | 2,187 |
| Memoranda: | ||
| Average total assets | $537,512,750 | 1,294 |
| Average earning assets | $492,451,250 | 1,291 |
| Average equity | $61,933,750 | 1,272 |
| Average total loans | $430,337,000 | 1,134 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 708 |
| Cost of funding earning assets | 0.4465% | 2,602 |
| Net interest margin | 4.4619% | 666 |
| Noninterest income to average assets | 0.9810% | 1,169 |
| Noninterest expense to average assets | 3.3727% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1814% | 1,665 |
| Return on assets (ROA) | 1.2300% | 1,596 |
| Pretax return on assets | 1.7660% | 944 |
| Return on Equity (ROE) | 10.7566% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.3778% | 1,441 |
| Net charge-offs to loans | 0.0187% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 113.6250% | 513 |
| Efficiency ratio | 66.5317% | 3,601 |
| Assets per employee ($millions) | 3.4398% | 4,852 |
| Cash dividends to net income (ytd only)* | 31.4112% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 4,023 |
| Loan loss allowance to noncurrent loans | 192.2003% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 1,755 |
| Noncurrent loans to loans | 0.5653% | 3,368 |
| Net loans and leases to total assets | 79.9502% | 916 |
| Net loans and leases to deposits | 91.1777% | 1,608 |
| Net loans and leases to core deposits | 96.1380% | 1,966 |
| Total domestic deposits to total assets | 87.6862% | 1,582 |
| Equity capital to assets | 11.6827% | 2,376 |
| Core capital (leverage) ratio | 11.5501% | 1,952 |
| Tier 1 risk-based capital ratio | 16.8788% | 2,270 |
| Total risk-based capital ratio | 18.1291% | 2,220 |
| Memoranda: | ||
| Average total assets | $535,779,670 | 1,296 |
| Average earning assets | $490,906,670 | 1,302 |
| Average equity | $61,264,670 | 1,280 |
| Average total loans | $427,628,330 | 1,142 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 703 |
| Cost of funding earning assets | 0.4501% | 2,587 |
| Net interest margin | 4.4413% | 681 |
| Noninterest income to average assets | 0.9079% | 1,295 |
| Noninterest expense to average assets | 3.3827% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1125% | 1,858 |
| Return on assets (ROA) | 1.2095% | 1,626 |
| Pretax return on assets | 1.7353% | 977 |
| Return on Equity (ROE) | 10.6926% | 1,717 |
| Retained earnings to average equity (ytd only) | 10.6926% | 709 |
| Net charge-offs to loans | 0.0216% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 93.2174% | 564 |
| Efficiency ratio | 67.9330% | 3,472 |
| Assets per employee ($millions) | 3.6178% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 4,057 |
| Loan loss allowance to noncurrent loans | 307.9292% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 2,248 |
| Noncurrent loans to loans | 0.3568% | 4,153 |
| Net loans and leases to total assets | 78.9986% | 952 |
| Net loans and leases to deposits | 90.0347% | 1,577 |
| Net loans and leases to core deposits | 94.7807% | 1,906 |
| Total domestic deposits to total assets | 87.7424% | 1,783 |
| Equity capital to assets | 11.4846% | 2,453 |
| Core capital (leverage) ratio | 11.4603% | 2,005 |
| Tier 1 risk-based capital ratio | 16.8129% | 2,360 |
| Total risk-based capital ratio | 18.0636% | 2,304 |
| Memoranda: | ||
| Average total assets | $537,083,000 | 1,295 |
| Average earning assets | $492,377,000 | 1,298 |
| Average equity | $60,752,500 | 1,285 |
| Average total loans | $425,965,000 | 1,144 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 531 |
| Cost of funding earning assets | 0.5118% | 2,055 |
| Net interest margin | 4.5737% | 579 |
| Noninterest income to average assets | 1.0765% | 1,017 |
| Noninterest expense to average assets | 3.3836% | 1,519 |
| Loan and lease loss provision to assets | 0.0885% | 2,528 |
| Net operating income to assets | 1.2346% | 1,435 |
| Return on assets (ROA) | 1.2599% | 1,417 |
| Pretax return on assets | 1.8093% | 794 |
| Return on Equity (ROE) | 10.9839% | 1,622 |
| Retained earnings to average equity (ytd only) | 7.6612% | 1,036 |
| Net charge-offs to loans | 0.0655% | 2,922 |
| Credit loss provision to net charge-offs | 167.1642% | 1,613 |
| Earnings coverage of net charge-offs (x) | 35.1754% | 1,294 |
| Efficiency ratio | 64.5081% | 4,166 |
| Assets per employee ($millions) | 3.6400% | 4,581 |
| Cash dividends to net income (ytd only)* | 30.2508% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,975 |
| Loan loss allowance to noncurrent loans | 248.7882% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 2,051 |
| Noncurrent loans to loans | 0.4474% | 3,867 |
| Net loans and leases to total assets | 77.8724% | 1,137 |
| Net loans and leases to deposits | 88.1665% | 1,860 |
| Net loans and leases to core deposits | 93.6458% | 2,079 |
| Total domestic deposits to total assets | 88.3243% | 1,461 |
| Equity capital to assets | 11.1396% | 2,688 |
| Core capital (leverage) ratio | 11.2102% | 2,207 |
| Tier 1 risk-based capital ratio | 16.4441% | 2,515 |
| Total risk-based capital ratio | 17.6953% | 2,467 |
| Memoranda: | ||
| Average total assets | $506,382,200 | 1,325 |
| Average earning assets | $461,548,800 | 1,341 |
| Average equity | $58,085,200 | 1,293 |
| Average total loans | $408,995,000 | 1,129 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 495 |
| Cost of funding earning assets | 0.5256% | 1,994 |
| Net interest margin | 4.5975% | 546 |
| Noninterest income to average assets | 1.0850% | 1,022 |
| Noninterest expense to average assets | 3.3283% | 1,627 |
| Loan and lease loss provision to assets | 0.0945% | 2,279 |
| Net operating income to assets | 1.2920% | 1,364 |
| Return on assets (ROA) | 1.2924% | 1,412 |
| Pretax return on assets | 1.8454% | 814 |
| Return on Equity (ROE) | 11.1796% | 1,634 |
| Retained earnings to average equity (ytd only) | 9.0270% | 893 |
| Net charge-offs to loans | 0.0806% | 2,402 |
| Credit loss provision to net charge-offs | 144.0816% | 1,732 |
| Earnings coverage of net charge-offs (x) | 29.5835% | 1,510 |
| Efficiency ratio | 63.1838% | 4,381 |
| Assets per employee ($millions) | 3.5280% | 4,749 |
| Cash dividends to net income (ytd only)* | 19.2547% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 4,156 |
| Loan loss allowance to noncurrent loans | 160.3793% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3598% | 1,707 |
| Noncurrent loans to loans | 0.6935% | 3,243 |
| Net loans and leases to total assets | 81.3931% | 657 |
| Net loans and leases to deposits | 92.9217% | 1,316 |
| Net loans and leases to core deposits | 98.8740% | 1,618 |
| Total domestic deposits to total assets | 87.5932% | 1,749 |
| Equity capital to assets | 11.7181% | 2,333 |
| Core capital (leverage) ratio | 11.5962% | 1,961 |
| Tier 1 risk-based capital ratio | 16.4665% | 2,593 |
| Total risk-based capital ratio | 17.7171% | 2,552 |
| Memoranda: | ||
| Average total assets | $498,296,250 | 1,354 |
| Average earning assets | $453,331,750 | 1,373 |
| Average equity | $57,603,500 | 1,313 |
| Average total loans | $405,183,500 | 1,136 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 526 |
| Cost of funding earning assets | 0.5344% | 1,945 |
| Net interest margin | 4.5500% | 573 |
| Noninterest income to average assets | 1.1126% | 977 |
| Noninterest expense to average assets | 3.3148% | 1,657 |
| Loan and lease loss provision to assets | 0.0933% | 2,258 |
| Net operating income to assets | 1.2898% | 1,352 |
| Return on assets (ROA) | 1.2904% | 1,413 |
| Pretax return on assets | 1.8402% | 829 |
| Return on Equity (ROE) | 11.2147% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.9493% | 1,288 |
| Net charge-offs to loans | 0.0504% | 2,705 |
| Credit loss provision to net charge-offs | 228.7129% | 1,111 |
| Earnings coverage of net charge-offs (x) | 47.3663% | 996 |
| Efficiency ratio | 63.1688% | 4,488 |
| Assets per employee ($millions) | 3.6407% | 4,554 |
| Cash dividends to net income (ytd only)* | 29.1171% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 4,124 |
| Loan loss allowance to noncurrent loans | 219.3427% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 1,960 |
| Noncurrent loans to loans | 0.5208% | 3,895 |
| Net loans and leases to total assets | 80.4753% | 741 |
| Net loans and leases to deposits | 91.5938% | 1,412 |
| Net loans and leases to core deposits | 97.5760% | 1,681 |
| Total domestic deposits to total assets | 87.8611% | 1,720 |
| Equity capital to assets | 11.5026% | 2,411 |
| Core capital (leverage) ratio | 11.4863% | 2,001 |
| Tier 1 risk-based capital ratio | 16.2355% | 2,739 |
| Total risk-based capital ratio | 17.4863% | 2,693 |
| Memoranda: | ||
| Average total assets | $495,053,000 | 1,369 |
| Average earning assets | $449,891,670 | 1,395 |
| Average equity | $56,961,000 | 1,332 |
| Average total loans | $400,861,670 | 1,151 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 505 |
| Cost of funding earning assets | 0.5542% | 1,803 |
| Net interest margin | 4.5200% | 586 |
| Noninterest income to average assets | 1.0599% | 1,005 |
| Noninterest expense to average assets | 3.2993% | 1,721 |
| Loan and lease loss provision to assets | 0.0676% | 2,590 |
| Net operating income to assets | 1.2642% | 1,369 |
| Return on assets (ROA) | 1.2642% | 1,454 |
| Pretax return on assets | 1.7958% | 871 |
| Return on Equity (ROE) | 10.9856% | 1,643 |
| Retained earnings to average equity (ytd only) | 10.9856% | 724 |
| Net charge-offs to loans | 0.0393% | 2,433 |
| Credit loss provision to net charge-offs | 212.8205% | 1,014 |
| Earnings coverage of net charge-offs (x) | 58.6923% | 752 |
| Efficiency ratio | 63.9073% | 4,500 |
| Assets per employee ($millions) | 3.4951% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,256 |
| Loan loss allowance to noncurrent loans | 215.8588% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4032% | 1,889 |
| Noncurrent loans to loans | 0.5333% | 3,976 |
| Net loans and leases to total assets | 79.9299% | 694 |
| Net loans and leases to deposits | 91.2681% | 1,260 |
| Net loans and leases to core deposits | 96.1393% | 1,603 |
| Total domestic deposits to total assets | 87.5770% | 2,059 |
| Equity capital to assets | 11.6399% | 2,346 |
| Core capital (leverage) ratio | 11.5292% | 1,980 |
| Tier 1 risk-based capital ratio | 17.0345% | 2,468 |
| Total risk-based capital ratio | 18.2860% | 2,425 |
| Memoranda: | ||
| Average total assets | $491,374,500 | 1,384 |
| Average earning assets | $446,016,000 | 1,413 |
| Average equity | $56,546,500 | 1,347 |
| Average total loans | $396,798,500 | 1,160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 600 |
| Cost of funding earning assets | 0.6428% | 1,450 |
| Net interest margin | 4.4847% | 772 |
| Noninterest income to average assets | 1.0580% | 1,084 |
| Noninterest expense to average assets | 3.2500% | 2,078 |
| Loan and lease loss provision to assets | 0.0298% | 4,014 |
| Net operating income to assets | 1.3031% | 1,301 |
| Return on assets (ROA) | 1.3029% | 1,350 |
| Pretax return on assets | 1.8117% | 775 |
| Return on Equity (ROE) | 11.6167% | 1,517 |
| Retained earnings to average equity (ytd only) | 7.9072% | 1,050 |
| Net charge-offs to loans | 0.0731% | 3,441 |
| Credit loss provision to net charge-offs | 52.5926% | 3,429 |
| Earnings coverage of net charge-offs (x) | 32.5259% | 1,257 |
| Efficiency ratio | 63.8303% | 4,613 |
| Assets per employee ($millions) | 3.6292% | 4,662 |
| Cash dividends to net income (ytd only)* | 31.9330% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 4,287 |
| Loan loss allowance to noncurrent loans | 232.8037% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 2,231 |
| Noncurrent loans to loans | 0.4938% | 4,178 |
| Net loans and leases to total assets | 79.7171% | 773 |
| Net loans and leases to deposits | 90.5666% | 1,457 |
| Net loans and leases to core deposits | 95.8446% | 1,735 |
| Total domestic deposits to total assets | 88.0205% | 1,760 |
| Equity capital to assets | 11.3750% | 2,534 |
| Core capital (leverage) ratio | 11.2206% | 2,202 |
| Tier 1 risk-based capital ratio | 15.8941% | 3,013 |
| Total risk-based capital ratio | 17.1450% | 2,960 |
| Memoranda: | ||
| Average total assets | $476,857,600 | 1,401 |
| Average earning assets | $428,904,600 | 1,426 |
| Average equity | $53,483,200 | 1,366 |
| Average total loans | $369,587,200 | 1,195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 638 |
| Cost of funding earning assets | 0.6555% | 1,421 |
| Net interest margin | 4.4472% | 821 |
| Noninterest income to average assets | 1.0588% | 1,094 |
| Noninterest expense to average assets | 3.1802% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3259% | 1,299 |
| Return on assets (ROA) | 1.3257% | 1,360 |
| Pretax return on assets | 1.8702% | 764 |
| Return on Equity (ROE) | 11.8638% | 1,513 |
| Retained earnings to average equity (ytd only) | 9.3847% | 876 |
| Net charge-offs to loans | 0.0507% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 48.1438% | 1,003 |
| Efficiency ratio | 62.9654% | 4,733 |
| Assets per employee ($millions) | 3.6433% | 4,587 |
| Cash dividends to net income (ytd only)* | 20.8962% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 4,283 |
| Loan loss allowance to noncurrent loans | 302.1333% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 2,479 |
| Noncurrent loans to loans | 0.3940% | 4,728 |
| Net loans and leases to total assets | 78.8199% | 858 |
| Net loans and leases to deposits | 89.7600% | 1,448 |
| Net loans and leases to core deposits | 95.2109% | 1,739 |
| Total domestic deposits to total assets | 87.8118% | 1,859 |
| Equity capital to assets | 11.5569% | 2,423 |
| Core capital (leverage) ratio | 11.3410% | 2,182 |
| Tier 1 risk-based capital ratio | 16.3280% | 2,888 |
| Total risk-based capital ratio | 17.5793% | 2,838 |
| Memoranda: | ||
| Average total assets | $473,588,000 | 1,422 |
| Average earning assets | $425,094,750 | 1,454 |
| Average equity | $52,921,500 | 1,389 |
| Average total loans | $363,207,750 | 1,217 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 675 |
| Cost of funding earning assets | 0.6636% | 1,415 |
| Net interest margin | 4.3920% | 862 |
| Noninterest income to average assets | 1.0149% | 1,161 |
| Noninterest expense to average assets | 3.1586% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2748% | 1,378 |
| Return on assets (ROA) | 1.2745% | 1,435 |
| Pretax return on assets | 1.7931% | 856 |
| Return on Equity (ROE) | 11.5379% | 1,567 |
| Retained earnings to average equity (ytd only) | 7.7660% | 1,403 |
| Net charge-offs to loans | 0.0414% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 57.2432% | 833 |
| Efficiency ratio | 63.7825% | 4,726 |
| Assets per employee ($millions) | 3.6163% | 4,624 |
| Cash dividends to net income (ytd only)* | 32.6910% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,167 |
| Loan loss allowance to noncurrent loans | 240.6283% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 2,418 |
| Noncurrent loans to loans | 0.5191% | 4,450 |
| Net loans and leases to total assets | 75.5472% | 1,226 |
| Net loans and leases to deposits | 85.7574% | 1,842 |
| Net loans and leases to core deposits | 90.8991% | 2,041 |
| Total domestic deposits to total assets | 88.0941% | 1,853 |
| Equity capital to assets | 11.0884% | 2,799 |
| Core capital (leverage) ratio | 11.0429% | 2,381 |
| Tier 1 risk-based capital ratio | 16.2426% | 2,961 |
| Total risk-based capital ratio | 17.4945% | 2,908 |
| Memoranda: | ||
| Average total assets | $472,359,330 | 1,419 |
| Average earning assets | $423,456,000 | 1,462 |
| Average equity | $52,176,000 | 1,394 |
| Average total loans | $357,370,670 | 1,232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 645 |
| Cost of funding earning assets | 0.6730% | 1,420 |
| Net interest margin | 4.3838% | 833 |
| Noninterest income to average assets | 0.9734% | 1,189 |
| Noninterest expense to average assets | 3.2107% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2076% | 1,466 |
| Return on assets (ROA) | 1.2076% | 1,531 |
| Pretax return on assets | 1.6930% | 990 |
| Return on Equity (ROE) | 10.9539% | 1,697 |
| Retained earnings to average equity (ytd only) | 10.9539% | 750 |
| Net charge-offs to loans | 0.0807% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 27.9014% | 1,095 |
| Efficiency ratio | 65.4758% | 4,613 |
| Assets per employee ($millions) | 3.4726% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,096 |
| Loan loss allowance to noncurrent loans | 343.4653% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 2,787 |
| Noncurrent loans to loans | 0.3799% | 4,985 |
| Net loans and leases to total assets | 73.6493% | 1,321 |
| Net loans and leases to deposits | 83.7371% | 1,849 |
| Net loans and leases to core deposits | 88.9582% | 2,002 |
| Total domestic deposits to total assets | 87.9530% | 2,257 |
| Equity capital to assets | 11.1015% | 2,627 |
| Core capital (leverage) ratio | 11.1292% | 2,275 |
| Tier 1 risk-based capital ratio | 16.6385% | 2,837 |
| Total risk-based capital ratio | 17.8913% | 2,805 |
| Memoranda: | ||
| Average total assets | $468,053,500 | 1,437 |
| Average earning assets | $419,637,500 | 1,475 |
| Average equity | $51,598,000 | 1,403 |
| Average total loans | $352,078,000 | 1,248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 417 |
| Cost of funding earning assets | 0.7933% | 1,247 |
| Net interest margin | 4.6271% | 577 |
| Noninterest income to average assets | 1.0692% | 1,235 |
| Noninterest expense to average assets | 3.2529% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3814% | 1,066 |
| Return on assets (ROA) | 1.3851% | 1,095 |
| Pretax return on assets | 1.9418% | 552 |
| Return on Equity (ROE) | 12.6281% | 1,248 |
| Retained earnings to average equity (ytd only) | 8.3251% | 947 |
| Net charge-offs to loans | 0.0492% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 51.7101% | 776 |
| Efficiency ratio | 62.6841% | 5,102 |
| Assets per employee ($millions) | 3.3857% | 5,125 |
| Cash dividends to net income (ytd only)* | 34.0745% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,993 |
| Loan loss allowance to noncurrent loans | 352.7190% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 2,897 |
| Noncurrent loans to loans | 0.3764% | 5,063 |
| Net loans and leases to total assets | 74.8245% | 1,242 |
| Net loans and leases to deposits | 84.6067% | 1,850 |
| Net loans and leases to core deposits | 89.9444% | 2,035 |
| Total domestic deposits to total assets | 88.4380% | 1,930 |
| Equity capital to assets | 10.9450% | 2,665 |
| Core capital (leverage) ratio | 10.8664% | 2,514 |
| Tier 1 risk-based capital ratio | 16.1356% | 3,040 |
| Total risk-based capital ratio | 17.3883% | 2,990 |
| Memoranda: | ||
| Average total assets | $451,288,200 | 1,471 |
| Average earning assets | $401,845,800 | 1,507 |
| Average equity | $49,500,800 | 1,426 |
| Average total loans | $343,311,800 | 1,247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 399 |
| Cost of funding earning assets | 0.8184% | 1,217 |
| Net interest margin | 4.6348% | 581 |
| Noninterest income to average assets | 1.0883% | 1,237 |
| Noninterest expense to average assets | 3.1263% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4623% | 962 |
| Return on assets (ROA) | 1.4673% | 1,003 |
| Pretax return on assets | 2.0888% | 482 |
| Return on Equity (ROE) | 13.3698% | 1,148 |
| Retained earnings to average equity (ytd only) | 10.5749% | 671 |
| Net charge-offs to loans | 0.0567% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 48.2548% | 888 |
| Efficiency ratio | 60.0286% | 5,432 |
| Assets per employee ($millions) | 3.5019% | 4,847 |
| Cash dividends to net income (ytd only)* | 20.9042% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 4,130 |
| Loan loss allowance to noncurrent loans | 342.3778% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6106% | 2,535 |
| Noncurrent loans to loans | 0.3945% | 5,211 |
| Net loans and leases to total assets | 75.3154% | 1,099 |
| Net loans and leases to deposits | 85.5239% | 1,670 |
| Net loans and leases to core deposits | 91.1796% | 1,855 |
| Total domestic deposits to total assets | 88.0635% | 2,093 |
| Equity capital to assets | 11.1211% | 2,643 |
| Core capital (leverage) ratio | 11.1132% | 2,372 |
| Tier 1 risk-based capital ratio | 16.1827% | 3,089 |
| Total risk-based capital ratio | 17.4358% | 3,050 |
| Memoranda: | ||
| Average total assets | $448,150,500 | 1,488 |
| Average earning assets | $398,342,750 | 1,527 |
| Average equity | $49,184,250 | 1,447 |
| Average total loans | $341,206,000 | 1,254 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 412 |
| Cost of funding earning assets | 0.8440% | 1,176 |
| Net interest margin | 4.5985% | 600 |
| Noninterest income to average assets | 1.0759% | 1,324 |
| Noninterest expense to average assets | 3.0939% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4546% | 973 |
| Return on assets (ROA) | 1.4621% | 1,034 |
| Pretax return on assets | 2.0799% | 516 |
| Return on Equity (ROE) | 13.3832% | 1,148 |
| Retained earnings to average equity (ytd only) | 9.1493% | 1,073 |
| Net charge-offs to loans | 0.0383% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 70.9538% | 632 |
| Efficiency ratio | 59.9235% | 5,496 |
| Assets per employee ($millions) | 3.4035% | 5,051 |
| Cash dividends to net income (ytd only)* | 31.6355% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 4,126 |
| Loan loss allowance to noncurrent loans | 331.9889% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 2,620 |
| Noncurrent loans to loans | 0.4158% | 5,219 |
| Net loans and leases to total assets | 76.5003% | 923 |
| Net loans and leases to deposits | 86.6233% | 1,495 |
| Net loans and leases to core deposits | 92.4529% | 1,661 |
| Total domestic deposits to total assets | 88.3137% | 2,033 |
| Equity capital to assets | 11.0336% | 2,718 |
| Core capital (leverage) ratio | 10.7960% | 2,569 |
| Tier 1 risk-based capital ratio | 15.7172% | 3,355 |
| Total risk-based capital ratio | 16.9707% | 3,303 |
| Memoranda: | ||
| Average total assets | $445,786,330 | 1,488 |
| Average earning assets | $396,215,000 | 1,535 |
| Average equity | $48,703,000 | 1,467 |
| Average total loans | $339,087,330 | 1,252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 409 |
| Cost of funding earning assets | 0.8831% | 1,068 |
| Net interest margin | 4.5511% | 620 |
| Noninterest income to average assets | 1.0813% | 1,267 |
| Noninterest expense to average assets | 3.1668% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3900% | 1,052 |
| Return on assets (ROA) | 1.3900% | 1,135 |
| Pretax return on assets | 1.9562% | 644 |
| Return on Equity (ROE) | 12.7865% | 1,218 |
| Retained earnings to average equity (ytd only) | 12.7865% | 583 |
| Net charge-offs to loans | 0.0500% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 51.9048% | 657 |
| Efficiency ratio | 61.8147% | 5,332 |
| Assets per employee ($millions) | 3.4584% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,116 |
| Loan loss allowance to noncurrent loans | 269.7975% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 1.6583% | 2,787 |
| Noncurrent loans to loans | 0.5274% | 5,120 |
| Net loans and leases to total assets | 73.3508% | 1,160 |
| Net loans and leases to deposits | 82.9779% | 1,713 |
| Net loans and leases to core deposits | 88.4509% | 1,858 |
| Total domestic deposits to total assets | 88.3980% | 2,069 |
| Equity capital to assets | 10.8460% | 3,150 |
| Core capital (leverage) ratio | 10.7755% | 2,477 |
| Tier 1 risk-based capital ratio | 15.8435% | 3,352 |
| Total risk-based capital ratio | 17.0976% | 3,312 |
| Memoranda: | ||
| Average total assets | $445,751,000 | 1,504 |
| Average earning assets | $395,864,000 | 1,547 |
| Average equity | $48,457,500 | 1,492 |
| Average total loans | $335,703,000 | 1,268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 315 |
| Cost of funding earning assets | 1.0376% | 1,177 |
| Net interest margin | 4.8547% | 494 |
| Noninterest income to average assets | 1.0630% | 1,371 |
| Noninterest expense to average assets | 3.1858% | 2,662 |
| Loan and lease loss provision to assets | 0.2258% | 2,869 |
| Net operating income to assets | 1.4159% | 1,071 |
| Return on assets (ROA) | 1.4442% | 1,137 |
| Pretax return on assets | 2.0060% | 589 |
| Return on Equity (ROE) | 13.4026% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.9542% | 603 |
| Net charge-offs to loans | 0.3464% | 2,903 |
| Credit loss provision to net charge-offs | 82.7437% | 3,736 |
| Earnings coverage of net charge-offs (x) | 8.0336% | 2,487 |
| Efficiency ratio | 59.2338% | 5,663 |
| Assets per employee ($millions) | 3.3216% | 5,378 |
| Cash dividends to net income (ytd only)* | 25.7297% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 3,955 |
| Loan loss allowance to noncurrent loans | 234.4477% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 1.8173% | 2,692 |
| Noncurrent loans to loans | 0.6174% | 4,971 |
| Net loans and leases to total assets | 75.1403% | 1,026 |
| Net loans and leases to deposits | 85.0726% | 1,627 |
| Net loans and leases to core deposits | 91.3804% | 1,687 |
| Total domestic deposits to total assets | 88.3250% | 2,012 |
| Equity capital to assets | 10.8968% | 3,070 |
| Core capital (leverage) ratio | 10.6546% | 2,589 |
| Tier 1 risk-based capital ratio | 15.4383% | 3,470 |
| Total risk-based capital ratio | 16.6927% | 3,425 |
| Memoranda: | ||
| Average total assets | $424,665,800 | 1,546 |
| Average earning assets | $377,488,600 | 1,580 |
| Average equity | $45,759,800 | 1,521 |
| Average total loans | $334,632,000 | 1,259 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 311 |
| Cost of funding earning assets | 1.0693% | 1,197 |
| Net interest margin | 4.8663% | 504 |
| Noninterest income to average assets | 1.0759% | 1,304 |
| Noninterest expense to average assets | 3.0156% | 3,183 |
| Loan and lease loss provision to assets | 0.3036% | 2,177 |
| Net operating income to assets | 1.5042% | 1,012 |
| Return on assets (ROA) | 1.5190% | 1,098 |
| Pretax return on assets | 2.1087% | 561 |
| Return on Equity (ROE) | 14.1386% | 1,078 |
| Retained earnings to average equity (ytd only) | 11.8465% | 557 |
| Net charge-offs to loans | 0.2418% | 3,270 |
| Credit loss provision to net charge-offs | 157.9901% | 1,775 |
| Earnings coverage of net charge-offs (x) | 12.4481% | 2,001 |
| Efficiency ratio | 55.7689% | 6,079 |
| Assets per employee ($millions) | 3.2919% | 5,454 |
| Cash dividends to net income (ytd only)* | 16.2117% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,505 |
| Loan loss allowance to noncurrent loans | 114.8243% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 2.2242% | 2,405 |
| Noncurrent loans to loans | 1.3960% | 3,708 |
| Net loans and leases to total assets | 77.9291% | 740 |
| Net loans and leases to deposits | 88.5872% | 1,287 |
| Net loans and leases to core deposits | 94.3194% | 1,559 |
| Total domestic deposits to total assets | 87.9688% | 2,058 |
| Equity capital to assets | 11.1554% | 3,088 |
| Core capital (leverage) ratio | 10.8708% | 2,520 |
| Tier 1 risk-based capital ratio | 15.2639% | 3,665 |
| Total risk-based capital ratio | 16.5143% | 3,619 |
| Memoranda: | ||
| Average total assets | $421,220,000 | 1,576 |
| Average earning assets | $374,923,500 | 1,609 |
| Average equity | $45,255,500 | 1,549 |
| Average total loans | $334,717,250 | 1,270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9843% | 298 |
| Cost of funding earning assets | 1.0926% | 1,244 |
| Net interest margin | 4.8917% | 481 |
| Noninterest income to average assets | 1.0108% | 1,440 |
| Noninterest expense to average assets | 2.9985% | 3,258 |
| Loan and lease loss provision to assets | 0.4566% | 1,398 |
| Net operating income to assets | 1.3798% | 1,234 |
| Return on assets (ROA) | 1.4021% | 1,329 |
| Pretax return on assets | 1.9477% | 764 |
| Return on Equity (ROE) | 13.2211% | 1,305 |
| Retained earnings to average equity (ytd only) | 13.2211% | 416 |
| Net charge-offs to loans | 0.2717% | 2,956 |
| Credit loss provision to net charge-offs | 211.2335% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.9802% | 2,006 |
| Efficiency ratio | 55.8185% | 6,137 |
| Assets per employee ($millions) | 3.2706% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 3,410 |
| Loan loss allowance to noncurrent loans | 137.1598% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 2,718 |
| Noncurrent loans to loans | 1.2062% | 4,142 |
| Net loans and leases to total assets | 78.1091% | 706 |
| Net loans and leases to deposits | 88.4317% | 1,330 |
| Net loans and leases to core deposits | 94.1251% | 1,589 |
| Total domestic deposits to total assets | 88.3270% | 1,941 |
| Equity capital to assets | 10.9261% | 3,202 |
| Core capital (leverage) ratio | 10.6454% | 2,664 |
| Tier 1 risk-based capital ratio | 14.8997% | 3,829 |
| Total risk-based capital ratio | 16.1572% | 3,777 |
| Memoranda: | ||
| Average total assets | $420,075,000 | 1,580 |
| Average earning assets | $374,515,670 | 1,615 |
| Average equity | $44,550,000 | 1,567 |
| Average total loans | $334,182,670 | 1,271 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2567% | 217 |
| Cost of funding earning assets | 1.1060% | 1,378 |
| Net interest margin | 5.1507% | 318 |
| Noninterest income to average assets | 0.8321% | 2,025 |
| Noninterest expense to average assets | 3.0537% | 3,070 |
| Loan and lease loss provision to assets | 0.4409% | 1,416 |
| Net operating income to assets | 1.4100% | 1,206 |
| Return on assets (ROA) | 1.4553% | 1,241 |
| Pretax return on assets | 1.9992% | 737 |
| Return on Equity (ROE) | 13.9346% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.9346% | 572 |
| Net charge-offs to loans | 0.1031% | 3,516 |
| Credit loss provision to net charge-offs | 537.2093% | 625 |
| Earnings coverage of net charge-offs (x) | 28.9767% | 951 |
| Efficiency ratio | 56.2193% | 6,100 |
| Assets per employee ($millions) | 3.4048% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,633 |
| Loan loss allowance to noncurrent loans | 130.0120% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.9951% | 2,904 |
| Noncurrent loans to loans | 1.2486% | 4,248 |
| Net loans and leases to total assets | 77.7294% | 617 |
| Net loans and leases to deposits | 87.8042% | 1,191 |
| Net loans and leases to core deposits | 93.3696% | 1,514 |
| Total domestic deposits to total assets | 88.5259% | 1,997 |
| Equity capital to assets | 10.5437% | 3,437 |
| Core capital (leverage) ratio | 10.3771% | 2,903 |
| Tier 1 risk-based capital ratio | 14.5535% | 4,059 |
| Total risk-based capital ratio | 15.8105% | 4,015 |
| Memoranda: | ||
| Average total assets | $419,159,500 | 1,590 |
| Average earning assets | $374,318,000 | 1,618 |
| Average equity | $43,776,000 | 1,590 |
| Average total loans | $333,728,500 | 1,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3646% | 227 |
| Cost of funding earning assets | 1.3307% | 1,340 |
| Net interest margin | 5.0339% | 388 |
| Noninterest income to average assets | 0.7808% | 2,162 |
| Noninterest expense to average assets | 2.9588% | 3,747 |
| Loan and lease loss provision to assets | 0.6342% | 1,610 |
| Net operating income to assets | 1.2723% | 1,313 |
| Return on assets (ROA) | 1.2754% | 1,406 |
| Pretax return on assets | 1.7599% | 880 |
| Return on Equity (ROE) | 13.0177% | 1,165 |
| Retained earnings to average equity (ytd only) | 9.3205% | 720 |
| Net charge-offs to loans | 0.6381% | 2,544 |
| Credit loss provision to net charge-offs | 124.6452% | 2,517 |
| Earnings coverage of net charge-offs (x) | 4.6968% | 3,016 |
| Efficiency ratio | 55.3191% | 6,388 |
| Assets per employee ($millions) | 3.3831% | 5,290 |
| Cash dividends to net income (ytd only)* | 28.4016% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,976 |
| Loan loss allowance to noncurrent loans | 212.7956% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 3,639 |
| Noncurrent loans to loans | 0.7093% | 5,277 |
| Net loans and leases to total assets | 79.0229% | 608 |
| Net loans and leases to deposits | 88.8515% | 1,285 |
| Net loans and leases to core deposits | 95.2190% | 1,568 |
| Total domestic deposits to total assets | 88.9382% | 1,582 |
| Equity capital to assets | 10.3423% | 3,724 |
| Core capital (leverage) ratio | 10.0264% | 3,305 |
| Tier 1 risk-based capital ratio | 13.9562% | 4,352 |
| Total risk-based capital ratio | 15.2115% | 4,306 |
| Memoranda: | ||
| Average total assets | $415,475,800 | 1,564 |
| Average earning assets | $377,005,800 | 1,574 |
| Average equity | $40,706,000 | 1,653 |
| Average total loans | $331,314,600 | 1,282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 263 |
| Cost of funding earning assets | 1.3808% | 1,316 |
| Net interest margin | 4.9264% | 481 |
| Noninterest income to average assets | 0.7663% | 2,218 |
| Noninterest expense to average assets | 2.9002% | 3,930 |
| Loan and lease loss provision to assets | 0.6045% | 1,628 |
| Net operating income to assets | 1.2630% | 1,474 |
| Return on assets (ROA) | 1.2671% | 1,569 |
| Pretax return on assets | 1.7548% | 1,031 |
| Return on Equity (ROE) | 13.1159% | 1,249 |
| Retained earnings to average equity (ytd only) | 10.7067% | 681 |
| Net charge-offs to loans | 0.7189% | 2,115 |
| Credit loss provision to net charge-offs | 105.6085% | 3,143 |
| Earnings coverage of net charge-offs (x) | 4.1116% | 3,177 |
| Efficiency ratio | 55.2032% | 6,371 |
| Assets per employee ($millions) | 3.4899% | 5,030 |
| Cash dividends to net income (ytd only)* | 18.3683% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 4,661 |
| Loan loss allowance to noncurrent loans | 116.4650% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 3,940 |
| Noncurrent loans to loans | 1.1809% | 4,572 |
| Net loans and leases to total assets | 79.0926% | 598 |
| Net loans and leases to deposits | 88.6994% | 1,354 |
| Net loans and leases to core deposits | 96.7900% | 1,526 |
| Total domestic deposits to total assets | 89.1693% | 1,322 |
| Equity capital to assets | 10.1387% | 4,170 |
| Core capital (leverage) ratio | 9.9943% | 3,452 |
| Tier 1 risk-based capital ratio | 14.1042% | 4,278 |
| Total risk-based capital ratio | 15.3204% | 4,276 |
| Memoranda: | ||
| Average total assets | $415,313,500 | 1,574 |
| Average earning assets | $378,308,500 | 1,575 |
| Average equity | $40,123,250 | 1,677 |
| Average total loans | $330,675,000 | 1,288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2218% | 322 |
| Cost of funding earning assets | 1.4520% | 1,190 |
| Net interest margin | 4.7698% | 633 |
| Noninterest income to average assets | 0.7326% | 2,362 |
| Noninterest expense to average assets | 2.8584% | 4,196 |
| Loan and lease loss provision to assets | 0.5814% | 1,664 |
| Net operating income to assets | 1.1860% | 1,616 |
| Return on assets (ROA) | 1.1909% | 1,692 |
| Pretax return on assets | 1.6429% | 1,170 |
| Return on Equity (ROE) | 12.5355% | 1,329 |
| Retained earnings to average equity (ytd only) | 12.5355% | 450 |
| Net charge-offs to loans | 0.6427% | 2,235 |
| Credit loss provision to net charge-offs | 113.9073% | 2,690 |
| Earnings coverage of net charge-offs (x) | 4.3444% | 2,884 |
| Efficiency ratio | 56.3124% | 6,388 |
| Assets per employee ($millions) | 3.3427% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 4,555 |
| Loan loss allowance to noncurrent loans | 103.3680% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6290% | 3,744 |
| Noncurrent loans to loans | 1.3571% | 4,385 |
| Net loans and leases to total assets | 80.4000% | 497 |
| Net loans and leases to deposits | 90.0293% | 1,267 |
| Net loans and leases to core deposits | 96.3010% | 1,645 |
| Total domestic deposits to total assets | 89.3042% | 1,355 |
| Equity capital to assets | 10.0754% | 4,053 |
| Core capital (leverage) ratio | 9.7841% | 3,541 |
| Tier 1 risk-based capital ratio | 13.8300% | 4,285 |
| Total risk-based capital ratio | 15.0844% | 4,253 |
| Memoranda: | ||
| Average total assets | $414,154,670 | 1,592 |
| Average earning assets | $377,122,670 | 1,594 |
| Average equity | $39,344,330 | 1,706 |
| Average total loans | $328,949,670 | 1,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1233% | 384 |
| Cost of funding earning assets | 1.4964% | 1,173 |
| Net interest margin | 4.6269% | 820 |
| Noninterest income to average assets | 0.6374% | 2,916 |
| Noninterest expense to average assets | 2.8524% | 4,258 |
| Loan and lease loss provision to assets | 0.5147% | 1,687 |
| Net operating income to assets | 1.0975% | 1,850 |
| Return on assets (ROA) | 1.0975% | 1,896 |
| Pretax return on assets | 1.4876% | 1,483 |
| Return on Equity (ROE) | 11.9046% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.9046% | 751 |
| Net charge-offs to loans | 1.0686% | 1,284 |
| Credit loss provision to net charge-offs | 61.4416% | 3,523 |
| Earnings coverage of net charge-offs (x) | 2.3902% | 3,125 |
| Efficiency ratio | 58.7562% | 6,165 |
| Assets per employee ($millions) | 3.5024% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,269 |
| Loan loss allowance to noncurrent loans | 84.8762% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 3,784 |
| Noncurrent loans to loans | 1.5019% | 4,219 |
| Net loans and leases to total assets | 77.6882% | 772 |
| Net loans and leases to deposits | 86.4888% | 1,652 |
| Net loans and leases to core deposits | 92.3221% | 2,091 |
| Total domestic deposits to total assets | 89.8246% | 1,260 |
| Equity capital to assets | 9.4161% | 4,545 |
| Core capital (leverage) ratio | 9.4212% | 3,923 |
| Tier 1 risk-based capital ratio | 13.1960% | 4,671 |
| Total risk-based capital ratio | 14.4479% | 4,644 |
| Memoranda: | ||
| Average total assets | $417,329,000 | 1,595 |
| Average earning assets | $380,384,500 | 1,593 |
| Average equity | $38,472,500 | 1,732 |
| Average total loans | $327,154,000 | 1,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4192% | 367 |
| Cost of funding earning assets | 1.8164% | 1,108 |
| Net interest margin | 4.6028% | 1,006 |
| Noninterest income to average assets | 0.7041% | 2,820 |
| Noninterest expense to average assets | 2.7737% | 4,692 |
| Loan and lease loss provision to assets | 0.5829% | 2,806 |
| Net operating income to assets | 1.1244% | 1,626 |
| Return on assets (ROA) | 1.1360% | 1,671 |
| Pretax return on assets | 1.5642% | 1,213 |
| Return on Equity (ROE) | 12.3945% | 1,237 |
| Retained earnings to average equity (ytd only) | 7.6524% | 1,100 |
| Net charge-offs to loans | 0.3465% | 4,281 |
| Credit loss provision to net charge-offs | 208.6222% | 1,472 |
| Earnings coverage of net charge-offs (x) | 7.6276% | 2,098 |
| Efficiency ratio | 56.5497% | 6,517 |
| Assets per employee ($millions) | 3.6337% | 4,622 |
| Cash dividends to net income (ytd only)* | 38.2597% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 4,592 |
| Loan loss allowance to noncurrent loans | 61.5196% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0286% | 3,318 |
| Noncurrent loans to loans | 2.2505% | 3,273 |
| Net loans and leases to total assets | 77.0129% | 1,091 |
| Net loans and leases to deposits | 85.2842% | 2,226 |
| Net loans and leases to core deposits | 92.2817% | 2,470 |
| Total domestic deposits to total assets | 90.3015% | 931 |
| Equity capital to assets | 9.0219% | 5,109 |
| Core capital (leverage) ratio | 8.9470% | 4,623 |
| Tier 1 risk-based capital ratio | 12.9605% | 4,623 |
| Total risk-based capital ratio | 14.2142% | 4,599 |
| Memoranda: | ||
| Average total assets | $402,644,800 | 1,641 |
| Average earning assets | $367,475,400 | 1,637 |
| Average equity | $36,903,600 | 1,797 |
| Average total loans | $324,644,400 | 1,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4370% | 384 |
| Cost of funding earning assets | 1.8765% | 1,106 |
| Net interest margin | 4.5605% | 1,130 |
| Noninterest income to average assets | 0.7137% | 2,748 |
| Noninterest expense to average assets | 2.7499% | 4,684 |
| Loan and lease loss provision to assets | 0.6054% | 2,517 |
| Net operating income to assets | 1.0885% | 1,926 |
| Return on assets (ROA) | 1.0885% | 2,041 |
| Pretax return on assets | 1.5174% | 1,567 |
| Return on Equity (ROE) | 11.8275% | 1,550 |
| Retained earnings to average equity (ytd only) | 8.1950% | 1,355 |
| Net charge-offs to loans | 0.1439% | 5,150 |
| Credit loss provision to net charge-offs | 517.4286% | 564 |
| Earnings coverage of net charge-offs (x) | 18.1427% | 1,283 |
| Efficiency ratio | 56.4352% | 6,496 |
| Assets per employee ($millions) | 3.5976% | 4,742 |
| Cash dividends to net income (ytd only)* | 30.7126% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 4,118 |
| Loan loss allowance to noncurrent loans | 44.5871% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.6179% | 2,762 |
| Noncurrent loans to loans | 3.2905% | 2,406 |
| Net loans and leases to total assets | 76.5531% | 1,301 |
| Net loans and leases to deposits | 84.9652% | 2,525 |
| Net loans and leases to core deposits | 91.4186% | 2,888 |
| Total domestic deposits to total assets | 90.0993% | 826 |
| Equity capital to assets | 9.1533% | 5,382 |
| Core capital (leverage) ratio | 9.0601% | 4,588 |
| Tier 1 risk-based capital ratio | 12.9540% | 4,610 |
| Total risk-based capital ratio | 14.2121% | 4,589 |
| Memoranda: | ||
| Average total assets | $398,838,500 | 1,680 |
| Average earning assets | $363,719,500 | 1,678 |
| Average equity | $36,704,500 | 1,822 |
| Average total loans | $324,222,500 | 1,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4527% | 370 |
| Cost of funding earning assets | 1.9512% | 1,037 |
| Net interest margin | 4.5015% | 1,206 |
| Noninterest income to average assets | 0.7171% | 2,601 |
| Noninterest expense to average assets | 2.7799% | 4,578 |
| Loan and lease loss provision to assets | 0.6326% | 2,264 |
| Net operating income to assets | 1.0090% | 2,158 |
| Return on assets (ROA) | 1.0090% | 2,234 |
| Pretax return on assets | 1.4068% | 1,820 |
| Return on Equity (ROE) | 10.9428% | 1,777 |
| Retained earnings to average equity (ytd only) | 5.4189% | 2,664 |
| Net charge-offs to loans | 0.0580% | 5,582 |
| Credit loss provision to net charge-offs | 1,321.2766% | 299 |
| Earnings coverage of net charge-offs (x) | 42.5957% | 691 |
| Efficiency ratio | 57.6834% | 6,423 |
| Assets per employee ($millions) | 3.2849% | 5,466 |
| Cash dividends to net income (ytd only)* | 50.4796% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,626 |
| Loan loss allowance to noncurrent loans | 40.0216% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 2.7745% | 2,606 |
| Noncurrent loans to loans | 3.3981% | 2,344 |
| Net loans and leases to total assets | 79.7754% | 830 |
| Net loans and leases to deposits | 88.4781% | 2,096 |
| Net loans and leases to core deposits | 96.3645% | 2,407 |
| Total domestic deposits to total assets | 90.1640% | 836 |
| Equity capital to assets | 9.0449% | 5,376 |
| Core capital (leverage) ratio | 8.5666% | 5,302 |
| Tier 1 risk-based capital ratio | 11.8165% | 5,475 |
| Total risk-based capital ratio | 13.0731% | 5,438 |
| Memoranda: | ||
| Average total assets | $392,676,000 | 1,717 |
| Average earning assets | $357,832,670 | 1,710 |
| Average equity | $36,206,330 | 1,845 |
| Average total loans | $324,219,000 | 1,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6452% | 287 |
| Cost of funding earning assets | 2.0171% | 1,025 |
| Net interest margin | 4.6281% | 903 |
| Noninterest income to average assets | 0.6956% | 2,628 |
| Noninterest expense to average assets | 2.7845% | 4,546 |
| Loan and lease loss provision to assets | 0.7163% | 1,779 |
| Net operating income to assets | 1.0016% | 2,179 |
| Return on assets (ROA) | 1.0016% | 2,245 |
| Pretax return on assets | 1.4067% | 1,758 |
| Return on Equity (ROE) | 10.7556% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.7556% | 976 |
| Net charge-offs to loans | 0.0446% | 4,968 |
| Credit loss provision to net charge-offs | 1,925.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 57.0556% | 520 |
| Efficiency ratio | 56.7397% | 6,662 |
| Assets per employee ($millions) | 3.3070% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 5,392 |
| Loan loss allowance to noncurrent loans | 110.5425% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 5,059 |
| Noncurrent loans to loans | 1.1041% | 5,148 |
| Net loans and leases to total assets | 81.9881% | 593 |
| Net loans and leases to deposits | 91.3911% | 1,697 |
| Net loans and leases to core deposits | 99.6009% | 2,170 |
| Total domestic deposits to total assets | 89.7112% | 1,133 |
| Equity capital to assets | 9.3629% | 4,735 |
| Core capital (leverage) ratio | 8.9083% | 4,718 |
| Tier 1 risk-based capital ratio | 11.9491% | 5,251 |
| Total risk-based capital ratio | 13.2006% | 5,209 |
| Memoranda: | ||
| Average total assets | $386,995,000 | 1,782 |
| Average earning assets | $352,193,000 | 1,770 |
| Average equity | $36,037,000 | 1,868 |
| Average total loans | $322,945,000 | 1,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5846% | 568 |
| Cost of funding earning assets | 2.3903% | 1,335 |
| Net interest margin | 4.1943% | 2,084 |
| Noninterest income to average assets | 0.7895% | 2,458 |
| Noninterest expense to average assets | 2.8904% | 4,568 |
| Loan and lease loss provision to assets | 0.2617% | 5,312 |
| Net operating income to assets | 1.0625% | 1,616 |
| Return on assets (ROA) | 1.0625% | 1,666 |
| Pretax return on assets | 1.4626% | 1,282 |
| Return on Equity (ROE) | 11.3342% | 1,343 |
| Retained earnings to average equity (ytd only) | 1.1441% | 4,248 |
| Net charge-offs to loans | 0.0891% | 6,234 |
| Credit loss provision to net charge-offs | 352.1277% | 920 |
| Earnings coverage of net charge-offs (x) | 23.2021% | 939 |
| Efficiency ratio | 62.6349% | 6,032 |
| Assets per employee ($millions) | 3.2249% | 5,665 |
| Cash dividends to net income (ytd only)* | 89.9058% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 6,248 |
| Loan loss allowance to noncurrent loans | 90.1532% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 4,609 |
| Noncurrent loans to loans | 1.1354% | 5,059 |
| Net loans and leases to total assets | 83.0464% | 536 |
| Net loans and leases to deposits | 92.6876% | 1,786 |
| Net loans and leases to core deposits | 113.9749% | 2,498 |
| Total domestic deposits to total assets | 89.5982% | 1,161 |
| Equity capital to assets | 9.2602% | 4,756 |
| Core capital (leverage) ratio | 8.7160% | 4,899 |
| Tier 1 risk-based capital ratio | 11.6673% | 5,232 |
| Total risk-based capital ratio | 12.8051% | 5,301 |
| Memoranda: | ||
| Average total assets | $379,466,200 | 1,800 |
| Average earning assets | $346,067,600 | 1,806 |
| Average equity | $35,573,800 | 1,893 |
| Average total loans | $316,612,000 | 1,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5313% | 702 |
| Cost of funding earning assets | 2.4404% | 1,491 |
| Net interest margin | 4.0908% | 2,439 |
| Noninterest income to average assets | 0.7579% | 2,659 |
| Noninterest expense to average assets | 2.7752% | 4,999 |
| Loan and lease loss provision to assets | 0.2075% | 5,320 |
| Net operating income to assets | 1.0736% | 1,818 |
| Return on assets (ROA) | 1.0736% | 1,871 |
| Pretax return on assets | 1.5081% | 1,394 |
| Return on Equity (ROE) | 11.4172% | 1,507 |
| Retained earnings to average equity (ytd only) | 6.9282% | 1,535 |
| Net charge-offs to loans | 0.0753% | 5,937 |
| Credit loss provision to net charge-offs | 330.8989% | 1,245 |
| Earnings coverage of net charge-offs (x) | 27.3536% | 994 |
| Efficiency ratio | 61.7968% | 6,153 |
| Assets per employee ($millions) | 3.1142% | 5,872 |
| Cash dividends to net income (ytd only)* | 39.3172% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,602 |
| Loan loss allowance to noncurrent loans | 182.0170% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 5,820 |
| Noncurrent loans to loans | 0.5157% | 6,271 |
| Net loans and leases to total assets | 83.2183% | 642 |
| Net loans and leases to deposits | 93.1301% | 2,039 |
| Net loans and leases to core deposits | 115.0816% | 2,715 |
| Total domestic deposits to total assets | 89.3570% | 1,035 |
| Equity capital to assets | 9.8218% | 4,322 |
| Core capital (leverage) ratio | 9.4124% | 4,031 |
| Tier 1 risk-based capital ratio | 12.3752% | 4,651 |
| Total risk-based capital ratio | 13.4192% | 4,772 |
| Memoranda: | ||
| Average total assets | $378,392,750 | 1,818 |
| Average earning assets | $345,283,250 | 1,823 |
| Average equity | $35,583,000 | 1,915 |
| Average total loans | $315,266,250 | 1,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4745% | 867 |
| Cost of funding earning assets | 2.4849% | 1,670 |
| Net interest margin | 3.9896% | 2,740 |
| Noninterest income to average assets | 0.7219% | 2,854 |
| Noninterest expense to average assets | 2.7633% | 5,120 |
| Loan and lease loss provision to assets | 0.1741% | 5,311 |
| Net operating income to assets | 1.0151% | 2,056 |
| Return on assets (ROA) | 1.0151% | 2,145 |
| Pretax return on assets | 1.4232% | 1,658 |
| Return on Equity (ROE) | 10.9583% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.9591% | 2,041 |
| Net charge-offs to loans | 0.0892% | 5,298 |
| Credit loss provision to net charge-offs | 235.0000% | 1,971 |
| Earnings coverage of net charge-offs (x) | 21.5571% | 1,257 |
| Efficiency ratio | 63.3693% | 6,030 |
| Assets per employee ($millions) | 3.1619% | 5,685 |
| Cash dividends to net income (ytd only)* | 45.6204% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,851 |
| Loan loss allowance to noncurrent loans | 150.1082% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 5,791 |
| Noncurrent loans to loans | 0.5863% | 6,083 |
| Net loans and leases to total assets | 83.0330% | 782 |
| Net loans and leases to deposits | 92.7246% | 2,328 |
| Net loans and leases to core deposits | 115.9760% | 2,713 |
| Total domestic deposits to total assets | 89.5480% | 1,023 |
| Equity capital to assets | 9.5609% | 4,538 |
| Core capital (leverage) ratio | 9.0004% | 4,630 |
| Tier 1 risk-based capital ratio | 12.1111% | 4,833 |
| Total risk-based capital ratio | 13.0823% | 4,987 |
| Memoranda: | ||
| Average total assets | $377,879,670 | 1,838 |
| Average earning assets | $344,643,330 | 1,840 |
| Average equity | $35,005,330 | 1,940 |
| Average total loans | $313,965,330 | 1,581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3948% | 1,075 |
| Cost of funding earning assets | 2.4886% | 1,963 |
| Net interest margin | 3.9063% | 3,025 |
| Noninterest income to average assets | 0.7141% | 2,799 |
| Noninterest expense to average assets | 2.6735% | 5,132 |
| Loan and lease loss provision to assets | 0.2049% | 4,401 |
| Net operating income to assets | 0.9982% | 2,320 |
| Return on assets (ROA) | 0.9982% | 2,455 |
| Pretax return on assets | 1.4038% | 1,953 |
| Return on Equity (ROE) | 10.9500% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.9500% | 981 |
| Net charge-offs to loans | 0.0843% | 4,325 |
| Credit loss provision to net charge-offs | 293.9394% | 1,654 |
| Earnings coverage of net charge-offs (x) | 23.0758% | 1,290 |
| Efficiency ratio | 62.4322% | 5,975 |
| Assets per employee ($millions) | 3.2536% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 6,899 |
| Loan loss allowance to noncurrent loans | 236.3240% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 6,212 |
| Noncurrent loans to loans | 0.3656% | 6,516 |
| Net loans and leases to total assets | 81.0893% | 1,185 |
| Net loans and leases to deposits | 90.2154% | 2,895 |
| Net loans and leases to core deposits | 115.0392% | 2,908 |
| Total domestic deposits to total assets | 89.8841% | 852 |
| Equity capital to assets | 9.3509% | 4,863 |
| Core capital (leverage) ratio | 9.2718% | 4,284 |
| Tier 1 risk-based capital ratio | 11.9034% | 5,040 |
| Total risk-based capital ratio | 12.8393% | 5,227 |
| Memoranda: | ||
| Average total assets | $378,684,000 | 1,845 |
| Average earning assets | $345,904,000 | 1,851 |
| Average equity | $34,520,500 | 1,971 |
| Average total loans | $313,346,500 | 1,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9276% | 1,320 |
| Cost of funding earning assets | 2.9122% | 2,215 |
| Net interest margin | 4.0154% | 3,048 |
| Noninterest income to average assets | 0.7351% | 2,871 |
| Noninterest expense to average assets | 2.7196% | 5,174 |
| Loan and lease loss provision to assets | 0.1220% | 5,797 |
| Net operating income to assets | 1.0936% | 2,171 |
| Return on assets (ROA) | 1.0940% | 2,084 |
| Pretax return on assets | 1.5622% | 1,510 |
| Return on Equity (ROE) | 12.2719% | 1,528 |
| Retained earnings to average equity (ytd only) | 5.4473% | 1,784 |
| Net charge-offs to loans | 0.0345% | 6,328 |
| Credit loss provision to net charge-offs | 424.0385% | 1,029 |
| Earnings coverage of net charge-offs (x) | 58.5385% | 682 |
| Efficiency ratio | 61.7636% | 5,998 |
| Assets per employee ($millions) | 3.0863% | 5,817 |
| Cash dividends to net income (ytd only)* | 55.6117% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 6,999 |
| Loan loss allowance to noncurrent loans | 184.5111% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 5,718 |
| Noncurrent loans to loans | 0.4481% | 6,012 |
| Net loans and leases to total assets | 83.0308% | 1,042 |
| Net loans and leases to deposits | 91.8058% | 3,174 |
| Net loans and leases to core deposits | 119.8992% | 2,698 |
| Total domestic deposits to total assets | 90.4417% | 514 |
| Equity capital to assets | 8.8744% | 5,534 |
| Core capital (leverage) ratio | 8.4531% | 5,649 |
| Tier 1 risk-based capital ratio | 11.0643% | 5,670 |
| Total risk-based capital ratio | 11.9666% | 5,893 |
| Memoranda: | ||
| Average total assets | $361,596,800 | 1,854 |
| Average earning assets | $330,330,600 | 1,850 |
| Average equity | $32,236,200 | 2,098 |
| Average total loans | $301,728,600 | 1,600 |