Home > Cache Valley Bank > Performance and Condition Ratios
Cache Valley 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 | 5.9834% | 650 |
| Cost of funding earning assets | 1.4229% | 2,167 |
| Net interest margin | 4.5604% | 556 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.7489% | 4,067 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.9725% | 487 |
| Return on assets (ROA) | 1.9408% | 485 |
| Pretax return on assets | 2.5790% | 311 |
| Return on Equity (ROE) | 18.9900% | 710 |
| Retained earnings to average equity (ytd only) | 14.3110% | 378 |
| Net charge-offs to loans | 0.0560% | 1,297 |
| Credit loss provision to net charge-offs | 505.0505% | 663 |
| Earnings coverage of net charge-offs (x) | 68.4823% | 1,105 |
| Efficiency ratio | 38.1862% | 4,396 |
| Assets per employee ($millions) | 9.0563% | 963 |
| Cash dividends to net income (ytd only)* | 24.6512% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 1,944 |
| Loan loss allowance to noncurrent loans | 536.5059% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 1,923 |
| Noncurrent loans to loans | 0.2359% | 2,365 |
| Net loans and leases to total assets | 80.4600% | 586 |
| Net loans and leases to deposits | 91.5504% | 1,136 |
| Net loans and leases to core deposits | 99.9645% | 1,439 |
| Total domestic deposits to total assets | 87.8900% | 1,393 |
| Equity capital to assets | 11.2367% | 1,393 |
| Core capital (leverage) ratio | 11.0956% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4629% | 2,079 |
| Memoranda: | ||
| Average total assets | $2,877,119,200 | 409 |
| Average earning assets | $2,751,064,000 | 390 |
| Average equity | $293,998,600 | 403 |
| Average total loans | $2,119,884,600 | 388 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8209% | 662 |
| Cost of funding earning assets | 1.2587% | 2,261 |
| Net interest margin | 4.5622% | 562 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.7186% | 4,097 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 2.0299% | 482 |
| Return on assets (ROA) | 1.9878% | 499 |
| Pretax return on assets | 2.6486% | 332 |
| Return on Equity (ROE) | 19.9400% | 728 |
| Retained earnings to average equity (ytd only) | 17.0252% | 390 |
| Net charge-offs to loans | 0.0498% | 1,178 |
| Credit loss provision to net charge-offs | 581.3953% | 570 |
| Earnings coverage of net charge-offs (x) | 81.4819% | 1,039 |
| Efficiency ratio | 37.1016% | 4,429 |
| Assets per employee ($millions) | 9.3592% | 818 |
| Cash dividends to net income (ytd only)* | 14.6103% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 1,974 |
| Loan loss allowance to noncurrent loans | 418.7612% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 1,826 |
| Noncurrent loans to loans | 0.3050% | 2,143 |
| Net loans and leases to total assets | 74.9900% | 1,237 |
| Net loans and leases to deposits | 84.8514% | 1,662 |
| Net loans and leases to core deposits | 92.3319% | 1,771 |
| Total domestic deposits to total assets | 88.3800% | 1,453 |
| Equity capital to assets | 10.7199% | 1,469 |
| Core capital (leverage) ratio | 11.1605% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6235% | 2,037 |
| Memoranda: | ||
| Average total assets | $2,890,009,000 | 410 |
| Average earning assets | $2,764,520,500 | 389 |
| Average equity | $288,123,250 | 411 |
| Average total loans | $2,074,202,000 | 395 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6965% | 639 |
| Cost of funding earning assets | 1.1036% | 2,269 |
| Net interest margin | 4.5928% | 536 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.6822% | 4,170 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 2.0627% | 425 |
| Return on assets (ROA) | 1.9995% | 464 |
| Pretax return on assets | 2.6744% | 291 |
| Return on Equity (ROE) | 20.5700% | 653 |
| Retained earnings to average equity (ytd only) | 16.3454% | 436 |
| Net charge-offs to loans | 0.0640% | 916 |
| Credit loss provision to net charge-offs | 558.3717% | 602 |
| Earnings coverage of net charge-offs (x) | 66.7081% | 1,133 |
| Efficiency ratio | 35.8488% | 4,479 |
| Assets per employee ($millions) | 9.1068% | 878 |
| Cash dividends to net income (ytd only)* | 20.5463% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 1,974 |
| Loan loss allowance to noncurrent loans | 364.2486% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 1,617 |
| Noncurrent loans to loans | 0.3540% | 1,868 |
| Net loans and leases to total assets | 72.9000% | 1,421 |
| Net loans and leases to deposits | 83.4016% | 1,730 |
| Net loans and leases to core deposits | 90.4442% | 1,768 |
| Total domestic deposits to total assets | 87.4100% | 1,800 |
| Equity capital to assets | 10.2550% | 1,710 |
| Core capital (leverage) ratio | 10.7245% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8069% | 1,979 |
| Memoranda: | ||
| Average total assets | $2,889,347,333 | 398 |
| Average earning assets | $2,767,580,000 | 379 |
| Average equity | $280,825,000 | 410 |
| Average total loans | $2,033,351,000 | 385 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 508 |
| Cost of funding earning assets | 0.9209% | 2,306 |
| Net interest margin | 4.6964% | 444 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.6542% | 4,247 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 2.1952% | 371 |
| Return on assets (ROA) | 2.0692% | 441 |
| Pretax return on assets | 2.7520% | 266 |
| Return on Equity (ROE) | 21.8900% | 589 |
| Retained earnings to average equity (ytd only) | 15.2838% | 763 |
| Net charge-offs to loans | 0.0458% | 897 |
| Credit loss provision to net charge-offs | 936.4035% | 379 |
| Earnings coverage of net charge-offs (x) | 101.9342% | 782 |
| Efficiency ratio | 34.0051% | 4,570 |
| Assets per employee ($millions) | 9.4328% | 816 |
| Cash dividends to net income (ytd only)* | 30.1667% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,096 |
| Loan loss allowance to noncurrent loans | 983.0648% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,396 |
| Noncurrent loans to loans | 0.1310% | 2,856 |
| Net loans and leases to total assets | 70.1600% | 1,611 |
| Net loans and leases to deposits | 78.8523% | 1,902 |
| Net loans and leases to core deposits | 84.5098% | 1,954 |
| Total domestic deposits to total assets | 88.9700% | 1,554 |
| Equity capital to assets | 9.8118% | 1,925 |
| Core capital (leverage) ratio | 10.2488% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8677% | 2,023 |
| Memoranda: | ||
| Average total assets | $2,899,697,000 | 410 |
| Average earning assets | $2,778,034,500 | 389 |
| Average equity | $274,147,000 | 425 |
| Average total loans | $1,990,734,000 | 401 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 767 |
| Cost of funding earning assets | 0.3993% | 2,114 |
| Net interest margin | 4.0695% | 703 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.5125% | 4,413 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.9272% | 341 |
| Return on assets (ROA) | 1.9371% | 319 |
| Pretax return on assets | 2.5846% | 190 |
| Return on Equity (ROE) | 23.3500% | 263 |
| Retained earnings to average equity (ytd only) | 19.7762% | 96 |
| Net charge-offs to loans | -0.0095% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 35.9008% | 4,603 |
| Assets per employee ($millions) | 9.3930% | 815 |
| Cash dividends to net income (ytd only)* | 15.2905% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,133 |
| Loan loss allowance to noncurrent loans | 655.2922% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 2,225 |
| Noncurrent loans to loans | 0.1911% | 2,524 |
| Net loans and leases to total assets | 65.4900% | 2,090 |
| Net loans and leases to deposits | 76.3044% | 2,075 |
| Net loans and leases to core deposits | 82.3162% | 1,986 |
| Total domestic deposits to total assets | 85.8200% | 2,774 |
| Equity capital to assets | 9.1149% | 2,285 |
| Core capital (leverage) ratio | 9.4811% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3249% | 1,840 |
| Memoranda: | ||
| Average total assets | $2,996,037,000 | 394 |
| Average earning assets | $2,898,689,800 | 372 |
| Average equity | $248,591,400 | 442 |
| Average total loans | $1,821,981,800 | 405 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 833 |
| Cost of funding earning assets | 0.3305% | 1,859 |
| Net interest margin | 3.9017% | 806 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.5096% | 4,413 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.8243% | 407 |
| Return on assets (ROA) | 1.8374% | 388 |
| Pretax return on assets | 2.4445% | 228 |
| Return on Equity (ROE) | 22.6900% | 263 |
| Retained earnings to average equity (ytd only) | 18.5273% | 142 |
| Net charge-offs to loans | -0.0222% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.1281% | 4,630 |
| Assets per employee ($millions) | 10.0256% | 655 |
| Cash dividends to net income (ytd only)* | 18.3408% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,017 |
| Loan loss allowance to noncurrent loans | 547.6866% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,223 |
| Noncurrent loans to loans | 0.2377% | 2,437 |
| Net loans and leases to total assets | 59.9800% | 2,503 |
| Net loans and leases to deposits | 66.9927% | 2,632 |
| Net loans and leases to core deposits | 73.8130% | 2,364 |
| Total domestic deposits to total assets | 89.5300% | 1,857 |
| Equity capital to assets | 8.8052% | 2,346 |
| Core capital (leverage) ratio | 9.1767% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4160% | 1,896 |
| Memoranda: | ||
| Average total assets | $3,012,393,000 | 391 |
| Average earning assets | $2,920,364,750 | 370 |
| Average equity | $243,958,500 | 455 |
| Average total loans | $1,791,611,500 | 406 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 856 |
| Cost of funding earning assets | 0.2961% | 1,753 |
| Net interest margin | 3.7554% | 832 |
| Noninterest income to average assets | 0.3081% | 3,316 |
| Noninterest expense to average assets | 1.5393% | 4,372 |
| Loan and lease loss provision to assets | 0.1190% | 839 |
| Net operating income to assets | 1.7202% | 407 |
| Return on assets (ROA) | 1.7398% | 383 |
| Pretax return on assets | 2.3185% | 214 |
| Return on Equity (ROE) | 22.1168% | 191 |
| Retained earnings to average equity (ytd only) | 17.3850% | 133 |
| Net charge-offs to loans | 0.0018% | 2,045 |
| Credit loss provision to net charge-offs | 11,250.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 2,280.0625% | 40 |
| Efficiency ratio | 38.8419% | 4,640 |
| Assets per employee ($millions) | 9.5088% | 750 |
| Cash dividends to net income (ytd only)* | 21.3944% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,496 |
| Loan loss allowance to noncurrent loans | 499.7092% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 2,637 |
| Noncurrent loans to loans | 0.2472% | 2,495 |
| Net loans and leases to total assets | 61.3833% | 2,184 |
| Net loans and leases to deposits | 69.3578% | 2,271 |
| Net loans and leases to core deposits | 77.4125% | 1,897 |
| Total domestic deposits to total assets | 88.5025% | 2,384 |
| Equity capital to assets | 8.5597% | 2,717 |
| Core capital (leverage) ratio | 8.7257% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5780% | 2,263 |
| Memoranda: | ||
| Average total assets | $3,023,991,000 | 385 |
| Average earning assets | $2,934,240,667 | 364 |
| Average equity | $237,883,000 | 466 |
| Average total loans | $1,785,675,667 | 401 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 1,263 |
| Cost of funding earning assets | 0.2762% | 1,858 |
| Net interest margin | 3.4273% | 1,240 |
| Noninterest income to average assets | 0.3181% | 3,191 |
| Noninterest expense to average assets | 1.4882% | 4,442 |
| Loan and lease loss provision to assets | 0.1168% | 715 |
| Net operating income to assets | 1.5323% | 589 |
| Return on assets (ROA) | 1.5707% | 545 |
| Pretax return on assets | 2.0959% | 303 |
| Return on Equity (ROE) | 20.8340% | 205 |
| Retained earnings to average equity (ytd only) | 13.0576% | 460 |
| Net charge-offs to loans | 0.0074% | 1,476 |
| Credit loss provision to net charge-offs | 2,727.2727% | 157 |
| Earnings coverage of net charge-offs (x) | 505.1212% | 208 |
| Efficiency ratio | 40.6192% | 4,633 |
| Assets per employee ($millions) | 9.9960% | 679 |
| Cash dividends to net income (ytd only)* | 37.3254% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,833 |
| Loan loss allowance to noncurrent loans | 448.1280% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,712 |
| Noncurrent loans to loans | 0.2689% | 2,512 |
| Net loans and leases to total assets | 57.0620% | 2,410 |
| Net loans and leases to deposits | 66.0787% | 2,333 |
| Net loans and leases to core deposits | 74.9491% | 1,855 |
| Total domestic deposits to total assets | 86.3545% | 3,149 |
| Equity capital to assets | 7.6671% | 3,817 |
| Core capital (leverage) ratio | 8.3161% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4016% | 2,038 |
| Memoranda: | ||
| Average total assets | $3,081,132,500 | 382 |
| Average earning assets | $2,997,321,000 | 360 |
| Average equity | $232,293,000 | 482 |
| Average total loans | $1,774,304,500 | 402 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 702 |
| Cost of funding earning assets | 0.3640% | 1,816 |
| Net interest margin | 4.0473% | 643 |
| Noninterest income to average assets | 0.3594% | 3,284 |
| Noninterest expense to average assets | 1.5103% | 4,535 |
| Loan and lease loss provision to assets | 0.0952% | 1,311 |
| Net operating income to assets | 2.0113% | 332 |
| Return on assets (ROA) | 2.0127% | 349 |
| Pretax return on assets | 2.6787% | 208 |
| Return on Equity (ROE) | 27.1470% | 94 |
| Retained earnings to average equity (ytd only) | 14.1877% | 289 |
| Net charge-offs to loans | -0.0442% | 4,270 |
| Credit loss provision to net charge-offs | -324.5192% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1476% | 4,761 |
| Assets per employee ($millions) | 10.5239% | 576 |
| Cash dividends to net income (ytd only)* | 47.7374% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,075 |
| Loan loss allowance to noncurrent loans | 461.1485% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,930 |
| Noncurrent loans to loans | 0.2518% | 2,718 |
| Net loans and leases to total assets | 56.7479% | 2,509 |
| Net loans and leases to deposits | 68.0088% | 2,311 |
| Net loans and leases to core deposits | 78.0763% | 1,755 |
| Total domestic deposits to total assets | 83.4420% | 3,711 |
| Equity capital to assets | 7.4115% | 4,620 |
| Core capital (leverage) ratio | 8.7968% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8195% | 1,919 |
| Memoranda: | ||
| Average total assets | $2,834,956,200 | 391 |
| Average earning assets | $2,748,025,800 | 374 |
| Average equity | $210,181,800 | 516 |
| Average total loans | $1,883,673,800 | 380 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 557 |
| Cost of funding earning assets | 0.3706% | 1,932 |
| Net interest margin | 4.2373% | 508 |
| Noninterest income to average assets | 0.3933% | 3,132 |
| Noninterest expense to average assets | 1.5009% | 4,593 |
| Loan and lease loss provision to assets | 0.0974% | 1,228 |
| Net operating income to assets | 2.1727% | 343 |
| Return on assets (ROA) | 2.1745% | 358 |
| Pretax return on assets | 2.8970% | 199 |
| Return on Equity (ROE) | 29.3276% | 104 |
| Retained earnings to average equity (ytd only) | 16.6570% | 259 |
| Net charge-offs to loans | -0.0453% | 4,305 |
| Credit loss provision to net charge-offs | -312.0185% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2944% | 4,842 |
| Assets per employee ($millions) | 9.9446% | 650 |
| Cash dividends to net income (ytd only)* | 43.2037% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,526 |
| Loan loss allowance to noncurrent loans | 456.1241% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,114 |
| Noncurrent loans to loans | 0.2371% | 2,987 |
| Net loans and leases to total assets | 62.4895% | 1,951 |
| Net loans and leases to deposits | 79.9141% | 1,298 |
| Net loans and leases to core deposits | 85.0182% | 1,351 |
| Total domestic deposits to total assets | 78.1958% | 4,402 |
| Equity capital to assets | 7.7818% | 4,622 |
| Core capital (leverage) ratio | 9.4068% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2117% | 1,894 |
| Memoranda: | ||
| Average total assets | $2,772,822,500 | 402 |
| Average earning assets | $2,682,728,750 | 383 |
| Average equity | $205,594,000 | 529 |
| Average total loans | $1,911,998,500 | 380 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 742 |
| Cost of funding earning assets | 0.3622% | 2,205 |
| Net interest margin | 4.1245% | 664 |
| Noninterest income to average assets | 0.3887% | 3,164 |
| Noninterest expense to average assets | 1.5517% | 4,572 |
| Loan and lease loss provision to assets | 0.0987% | 1,283 |
| Net operating income to assets | 2.0537% | 447 |
| Return on assets (ROA) | 2.0564% | 466 |
| Pretax return on assets | 2.7268% | 254 |
| Return on Equity (ROE) | 28.2263% | 122 |
| Retained earnings to average equity (ytd only) | 16.5484% | 303 |
| Net charge-offs to loans | -0.0477% | 4,353 |
| Credit loss provision to net charge-offs | -291.5767% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3614% | 4,851 |
| Assets per employee ($millions) | 10.4140% | 539 |
| Cash dividends to net income (ytd only)* | 41.3722% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,889 |
| Loan loss allowance to noncurrent loans | 490.9825% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 2,559 |
| Noncurrent loans to loans | 0.1994% | 3,238 |
| Net loans and leases to total assets | 64.6382% | 1,874 |
| Net loans and leases to deposits | 89.7495% | 667 |
| Net loans and leases to core deposits | 95.6253% | 825 |
| Total domestic deposits to total assets | 72.0207% | 4,707 |
| Equity capital to assets | 7.0999% | 4,822 |
| Core capital (leverage) ratio | 9.3124% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,735,788,333 | 404 |
| Average earning assets | $2,643,275,667 | 385 |
| Average equity | $199,318,000 | 542 |
| Average total loans | $1,942,047,667 | 374 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 826 |
| Cost of funding earning assets | 0.3839% | 2,226 |
| Net interest margin | 4.0778% | 750 |
| Noninterest income to average assets | 0.4360% | 2,891 |
| Noninterest expense to average assets | 1.6481% | 4,468 |
| Loan and lease loss provision to assets | 0.1027% | 1,323 |
| Net operating income to assets | 1.9848% | 581 |
| Return on assets (ROA) | 1.9905% | 620 |
| Pretax return on assets | 2.6277% | 366 |
| Return on Equity (ROE) | 26.9363% | 206 |
| Retained earnings to average equity (ytd only) | 6.4974% | 2,729 |
| Net charge-offs to loans | -0.0931% | 4,611 |
| Credit loss provision to net charge-offs | -148.6784% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5848% | 4,816 |
| Assets per employee ($millions) | 9.0777% | 807 |
| Cash dividends to net income (ytd only)* | 75.8787% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 4,208 |
| Loan loss allowance to noncurrent loans | 170.4055% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 1,678 |
| Noncurrent loans to loans | 0.5168% | 2,303 |
| Net loans and leases to total assets | 77.3505% | 513 |
| Net loans and leases to deposits | 102.2080% | 238 |
| Net loans and leases to core deposits | 109.0490% | 439 |
| Total domestic deposits to total assets | 75.6795% | 4,599 |
| Equity capital to assets | 7.4165% | 4,740 |
| Core capital (leverage) ratio | 9.2952% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,630,106,500 | 413 |
| Average earning assets | $2,538,228,500 | 397 |
| Average equity | $194,355,000 | 548 |
| Average total loans | $1,951,158,500 | 371 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 1,718 |
| Cost of funding earning assets | 0.5100% | 2,885 |
| Net interest margin | 3.8412% | 1,390 |
| Noninterest income to average assets | 0.3859% | 3,173 |
| Noninterest expense to average assets | 1.7801% | 4,503 |
| Loan and lease loss provision to assets | 0.0438% | 3,853 |
| Net operating income to assets | 1.7028% | 495 |
| Return on assets (ROA) | 1.7028% | 536 |
| Pretax return on assets | 2.2593% | 272 |
| Return on Equity (ROE) | 21.4890% | 174 |
| Retained earnings to average equity (ytd only) | 18.8268% | 77 |
| Net charge-offs to loans | 0.0238% | 2,567 |
| Credit loss provision to net charge-offs | 251.9685% | 1,929 |
| Earnings coverage of net charge-offs (x) | 132.3885% | 641 |
| Efficiency ratio | 43.4118% | 4,804 |
| Assets per employee ($millions) | 9.1880% | 694 |
| Cash dividends to net income (ytd only)* | 12.3887% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,110 |
| Loan loss allowance to noncurrent loans | 385.5525% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 2,667 |
| Noncurrent loans to loans | 0.2399% | 3,338 |
| Net loans and leases to total assets | 69.6492% | 1,603 |
| Net loans and leases to deposits | 98.7142% | 429 |
| Net loans and leases to core deposits | 105.5114% | 668 |
| Total domestic deposits to total assets | 70.5564% | 4,761 |
| Equity capital to assets | 7.3625% | 4,863 |
| Core capital (leverage) ratio | 9.5947% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,190,046,600 | 441 |
| Average earning assets | $2,108,051,600 | 423 |
| Average equity | $173,540,000 | 582 |
| Average total loans | $1,597,858,000 | 421 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,694 |
| Cost of funding earning assets | 0.5345% | 3,028 |
| Net interest margin | 3.5588% | 2,396 |
| Noninterest income to average assets | 0.3572% | 3,321 |
| Noninterest expense to average assets | 1.8084% | 4,480 |
| Loan and lease loss provision to assets | 0.0615% | 3,572 |
| Net operating income to assets | 1.4296% | 1,035 |
| Return on assets (ROA) | 1.4296% | 1,124 |
| Pretax return on assets | 1.9049% | 625 |
| Return on Equity (ROE) | 17.6479% | 387 |
| Retained earnings to average equity (ytd only) | 14.7106% | 213 |
| Net charge-offs to loans | 0.0397% | 2,062 |
| Credit loss provision to net charge-offs | 209.6070% | 2,072 |
| Earnings coverage of net charge-offs (x) | 67.0699% | 1,026 |
| Efficiency ratio | 47.7200% | 4,626 |
| Assets per employee ($millions) | 10.4958% | 435 |
| Cash dividends to net income (ytd only)* | 16.6435% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,249 |
| Loan loss allowance to noncurrent loans | 173.7112% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 2,722 |
| Noncurrent loans to loans | 0.4849% | 2,612 |
| Net loans and leases to total assets | 72.0042% | 1,664 |
| Net loans and leases to deposits | 111.3507% | 206 |
| Net loans and leases to core deposits | 126.7789% | 292 |
| Total domestic deposits to total assets | 64.6644% | 4,876 |
| Equity capital to assets | 6.4509% | 4,989 |
| Core capital (leverage) ratio | 9.4226% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,082,910,000 | 452 |
| Average earning assets | $2,000,198,000 | 435 |
| Average equity | $168,726,250 | 596 |
| Average total loans | $1,537,108,750 | 437 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 2,062 |
| Cost of funding earning assets | 0.5812% | 3,078 |
| Net interest margin | 3.8732% | 1,640 |
| Noninterest income to average assets | 0.3962% | 3,103 |
| Noninterest expense to average assets | 2.0120% | 4,211 |
| Loan and lease loss provision to assets | 0.1036% | 2,973 |
| Net operating income to assets | 1.4853% | 949 |
| Return on assets (ROA) | 1.4853% | 1,031 |
| Pretax return on assets | 1.9817% | 569 |
| Return on Equity (ROE) | 16.6472% | 479 |
| Retained earnings to average equity (ytd only) | 13.2442% | 334 |
| Net charge-offs to loans | 0.0455% | 1,838 |
| Credit loss provision to net charge-offs | 305.7325% | 1,603 |
| Earnings coverage of net charge-offs (x) | 61.5478% | 946 |
| Efficiency ratio | 48.9111% | 4,565 |
| Assets per employee ($millions) | 10.3519% | 456 |
| Cash dividends to net income (ytd only)* | 20.4417% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,019 |
| Loan loss allowance to noncurrent loans | 135.4759% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 2,306 |
| Noncurrent loans to loans | 0.6608% | 2,212 |
| Net loans and leases to total assets | 70.0375% | 2,020 |
| Net loans and leases to deposits | 113.3248% | 168 |
| Net loans and leases to core deposits | 129.6569% | 262 |
| Total domestic deposits to total assets | 61.8025% | 4,945 |
| Equity capital to assets | 6.3328% | 5,023 |
| Core capital (leverage) ratio | 9.6065% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,853,579,333 | 493 |
| Average earning assets | $1,771,199,000 | 479 |
| Average equity | $165,385,333 | 609 |
| Average total loans | $1,378,773,000 | 467 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5780% | 317 |
| Cost of funding earning assets | 0.7311% | 2,776 |
| Net interest margin | 4.8469% | 251 |
| Noninterest income to average assets | 0.4777% | 2,663 |
| Noninterest expense to average assets | 2.3953% | 3,547 |
| Loan and lease loss provision to assets | 0.1343% | 2,051 |
| Net operating income to assets | 1.9165% | 325 |
| Return on assets (ROA) | 1.9165% | 355 |
| Pretax return on assets | 2.5559% | 150 |
| Return on Equity (ROE) | 16.8563% | 348 |
| Retained earnings to average equity (ytd only) | 12.3844% | 385 |
| Net charge-offs to loans | -0.0381% | 4,550 |
| Credit loss provision to net charge-offs | -452.8302% | 3,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8967% | 4,800 |
| Assets per employee ($millions) | 5.7807% | 1,861 |
| Cash dividends to net income (ytd only)* | 26.5294% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 1,332 |
| Loan loss allowance to noncurrent loans | 115.9812% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1246% | 1,142 |
| Noncurrent loans to loans | 1.2958% | 1,264 |
| Net loans and leases to total assets | 76.9366% | 1,144 |
| Net loans and leases to deposits | 87.0427% | 1,868 |
| Net loans and leases to core deposits | 95.4744% | 1,845 |
| Total domestic deposits to total assets | 88.3896% | 934 |
| Equity capital to assets | 11.3725% | 2,541 |
| Core capital (leverage) ratio | 11.6650% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,429,451,500 | 596 |
| Average earning assets | $1,358,981,000 | 566 |
| Average equity | $162,526,500 | 614 |
| Average total loans | $1,113,464,000 | 543 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 299 |
| Cost of funding earning assets | 0.7750% | 2,801 |
| Net interest margin | 5.0686% | 231 |
| Noninterest income to average assets | 0.4398% | 3,055 |
| Noninterest expense to average assets | 2.4473% | 3,579 |
| Loan and lease loss provision to assets | 0.2151% | 924 |
| Net operating income to assets | 1.9381% | 402 |
| Return on assets (ROA) | 1.9393% | 417 |
| Pretax return on assets | 2.5883% | 177 |
| Return on Equity (ROE) | 17.2805% | 385 |
| Retained earnings to average equity (ytd only) | 12.3140% | 221 |
| Net charge-offs to loans | 0.2085% | 990 |
| Credit loss provision to net charge-offs | 135.8314% | 1,890 |
| Earnings coverage of net charge-offs (x) | 17.6965% | 2,095 |
| Efficiency ratio | 46.3466% | 4,898 |
| Assets per employee ($millions) | 5.6544% | 1,923 |
| Cash dividends to net income (ytd only)* | 28.7408% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,223 |
| Loan loss allowance to noncurrent loans | 136.7052% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 1,306 |
| Noncurrent loans to loans | 1.1001% | 1,370 |
| Net loans and leases to total assets | 76.5037% | 1,325 |
| Net loans and leases to deposits | 86.5951% | 2,020 |
| Net loans and leases to core deposits | 95.0965% | 1,980 |
| Total domestic deposits to total assets | 88.3464% | 964 |
| Equity capital to assets | 11.3671% | 2,648 |
| Core capital (leverage) ratio | 11.0782% | 2,425 |
| Tier 1 risk-based capital ratio | 13.1873% | 3,691 |
| Total risk-based capital ratio | 14.4390% | 3,577 |
| Memoranda: | ||
| Average total assets | $1,348,484,400 | 603 |
| Average earning assets | $1,279,508,400 | 582 |
| Average equity | $151,332,200 | 617 |
| Average total loans | $1,023,925,200 | 560 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8651% | 312 |
| Cost of funding earning assets | 0.7629% | 2,907 |
| Net interest margin | 5.1021% | 232 |
| Noninterest income to average assets | 0.4291% | 3,151 |
| Noninterest expense to average assets | 2.4101% | 3,655 |
| Loan and lease loss provision to assets | 0.0900% | 2,103 |
| Net operating income to assets | 2.0738% | 343 |
| Return on assets (ROA) | 2.0755% | 356 |
| Pretax return on assets | 2.7703% | 156 |
| Return on Equity (ROE) | 18.5575% | 347 |
| Retained earnings to average equity (ytd only) | 14.3052% | 194 |
| Net charge-offs to loans | 0.3108% | 560 |
| Credit loss provision to net charge-offs | 38.3632% | 2,865 |
| Earnings coverage of net charge-offs (x) | 12.1863% | 2,377 |
| Efficiency ratio | 45.5196% | 4,955 |
| Assets per employee ($millions) | 6.1559% | 1,491 |
| Cash dividends to net income (ytd only)* | 22.9143% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 1,776 |
| Loan loss allowance to noncurrent loans | 142.0192% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,674 |
| Noncurrent loans to loans | 0.9484% | 1,699 |
| Net loans and leases to total assets | 72.3834% | 2,119 |
| Net loans and leases to deposits | 81.7732% | 2,713 |
| Net loans and leases to core deposits | 89.3593% | 2,600 |
| Total domestic deposits to total assets | 88.5172% | 817 |
| Equity capital to assets | 10.9285% | 3,162 |
| Core capital (leverage) ratio | 11.4780% | 2,238 |
| Tier 1 risk-based capital ratio | 13.3942% | 3,638 |
| Total risk-based capital ratio | 14.6322% | 3,540 |
| Memoranda: | ||
| Average total assets | $1,333,616,500 | 607 |
| Average earning assets | $1,264,901,500 | 590 |
| Average equity | $149,154,250 | 625 |
| Average total loans | $1,006,510,250 | 569 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9458% | 263 |
| Cost of funding earning assets | 0.7509% | 2,885 |
| Net interest margin | 5.1948% | 199 |
| Noninterest income to average assets | 0.4091% | 3,220 |
| Noninterest expense to average assets | 2.4316% | 3,649 |
| Loan and lease loss provision to assets | 0.0924% | 1,999 |
| Net operating income to assets | 2.1090% | 319 |
| Return on assets (ROA) | 2.1116% | 327 |
| Pretax return on assets | 2.8160% | 155 |
| Return on Equity (ROE) | 18.7215% | 338 |
| Retained earnings to average equity (ytd only) | 13.4332% | 262 |
| Net charge-offs to loans | -0.0145% | 4,442 |
| Credit loss provision to net charge-offs | -833.3333% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3314% | 5,014 |
| Assets per employee ($millions) | 5.6981% | 1,791 |
| Cash dividends to net income (ytd only)* | 28.2472% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 984 |
| Loan loss allowance to noncurrent loans | 200.8721% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 1,854 |
| Noncurrent loans to loans | 0.8071% | 1,982 |
| Net loans and leases to total assets | 74.7443% | 1,761 |
| Net loans and leases to deposits | 84.8661% | 2,385 |
| Net loans and leases to core deposits | 92.2549% | 2,394 |
| Total domestic deposits to total assets | 88.0732% | 1,071 |
| Equity capital to assets | 11.3917% | 2,706 |
| Core capital (leverage) ratio | 11.6155% | 2,084 |
| Tier 1 risk-based capital ratio | 13.7967% | 3,426 |
| Total risk-based capital ratio | 15.0501% | 3,319 |
| Memoranda: | ||
| Average total assets | $1,297,999,000 | 620 |
| Average earning assets | $1,231,258,670 | 599 |
| Average equity | $146,398,670 | 632 |
| Average total loans | $989,715,000 | 582 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 348 |
| Cost of funding earning assets | 0.7287% | 2,894 |
| Net interest margin | 5.0011% | 280 |
| Noninterest income to average assets | 0.3734% | 3,361 |
| Noninterest expense to average assets | 2.3853% | 3,808 |
| Loan and lease loss provision to assets | 0.0935% | 1,861 |
| Net operating income to assets | 1.9795% | 401 |
| Return on assets (ROA) | 1.9795% | 417 |
| Pretax return on assets | 2.6378% | 199 |
| Return on Equity (ROE) | 17.6417% | 435 |
| Retained earnings to average equity (ytd only) | 14.8579% | 284 |
| Net charge-offs to loans | 0.1334% | 940 |
| Credit loss provision to net charge-offs | 91.7431% | 1,701 |
| Earnings coverage of net charge-offs (x) | 26.7951% | 1,393 |
| Efficiency ratio | 46.3750% | 5,009 |
| Assets per employee ($millions) | 5.7772% | 1,721 |
| Cash dividends to net income (ytd only)* | 15.7795% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,094 |
| Loan loss allowance to noncurrent loans | 137.8721% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 1,554 |
| Noncurrent loans to loans | 1.1499% | 1,454 |
| Net loans and leases to total assets | 74.4281% | 1,725 |
| Net loans and leases to deposits | 84.4719% | 2,330 |
| Net loans and leases to core deposits | 91.4260% | 2,353 |
| Total domestic deposits to total assets | 88.1099% | 1,277 |
| Equity capital to assets | 11.2361% | 2,616 |
| Core capital (leverage) ratio | 11.7117% | 1,971 |
| Tier 1 risk-based capital ratio | 14.0625% | 3,310 |
| Total risk-based capital ratio | 15.3160% | 3,226 |
| Memoranda: | ||
| Average total assets | $1,283,171,000 | 624 |
| Average earning assets | $1,217,011,000 | 606 |
| Average equity | $143,977,000 | 641 |
| Average total loans | $980,223,000 | 587 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0205% | 159 |
| Cost of funding earning assets | 0.5694% | 2,927 |
| Net interest margin | 5.4511% | 120 |
| Noninterest income to average assets | 0.5684% | 2,458 |
| Noninterest expense to average assets | 2.5120% | 3,581 |
| Loan and lease loss provision to assets | 0.2424% | 719 |
| Net operating income to assets | 2.2541% | 232 |
| Return on assets (ROA) | 2.2541% | 223 |
| Pretax return on assets | 2.9867% | 97 |
| Return on Equity (ROE) | 20.4658% | 227 |
| Retained earnings to average equity (ytd only) | 16.7053% | 74 |
| Net charge-offs to loans | -0.0202% | 4,704 |
| Credit loss provision to net charge-offs | -1,514.2105% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4431% | 5,196 |
| Assets per employee ($millions) | 5.4813% | 1,975 |
| Cash dividends to net income (ytd only)* | 18.3748% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,006 |
| Loan loss allowance to noncurrent loans | 176.2220% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 1,955 |
| Noncurrent loans to loans | 0.9146% | 1,755 |
| Net loans and leases to total assets | 75.9376% | 1,626 |
| Net loans and leases to deposits | 86.1102% | 2,257 |
| Net loans and leases to core deposits | 92.3488% | 2,381 |
| Total domestic deposits to total assets | 88.1865% | 1,217 |
| Equity capital to assets | 11.2041% | 2,510 |
| Core capital (leverage) ratio | 11.0679% | 2,463 |
| Tier 1 risk-based capital ratio | 13.3457% | 3,633 |
| Total risk-based capital ratio | 14.5990% | 3,526 |
| Memoranda: | ||
| Average total assets | $1,186,924,600 | 644 |
| Average earning assets | $1,126,282,200 | 627 |
| Average equity | $130,725,200 | 666 |
| Average total loans | $942,500,200 | 590 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1172% | 133 |
| Cost of funding earning assets | 0.5270% | 3,015 |
| Net interest margin | 5.5902% | 99 |
| Noninterest income to average assets | 0.6244% | 2,191 |
| Noninterest expense to average assets | 2.5644% | 3,400 |
| Loan and lease loss provision to assets | 0.2462% | 642 |
| Net operating income to assets | 2.3370% | 207 |
| Return on assets (ROA) | 2.3370% | 205 |
| Pretax return on assets | 3.1175% | 102 |
| Return on Equity (ROE) | 21.3182% | 193 |
| Retained earnings to average equity (ytd only) | 19.0730% | 70 |
| Net charge-offs to loans | -0.0201% | 4,624 |
| Credit loss provision to net charge-offs | -1,530.4965% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0120% | 5,248 |
| Assets per employee ($millions) | 5.6294% | 1,797 |
| Cash dividends to net income (ytd only)* | 10.5317% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,246 |
| Loan loss allowance to noncurrent loans | 97.9572% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 1,128 |
| Noncurrent loans to loans | 1.5648% | 1,019 |
| Net loans and leases to total assets | 77.3513% | 1,437 |
| Net loans and leases to deposits | 87.5727% | 2,206 |
| Net loans and leases to core deposits | 94.0968% | 2,278 |
| Total domestic deposits to total assets | 88.3281% | 1,105 |
| Equity capital to assets | 11.1163% | 2,552 |
| Core capital (leverage) ratio | 11.5144% | 2,157 |
| Tier 1 risk-based capital ratio | 13.0627% | 3,869 |
| Total risk-based capital ratio | 14.3151% | 3,780 |
| Memoranda: | ||
| Average total assets | $1,168,482,250 | 650 |
| Average earning assets | $1,108,603,750 | 636 |
| Average equity | $128,094,000 | 670 |
| Average total loans | $934,869,500 | 590 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9799% | 145 |
| Cost of funding earning assets | 0.5013% | 3,001 |
| Net interest margin | 5.4786% | 111 |
| Noninterest income to average assets | 0.5552% | 2,552 |
| Noninterest expense to average assets | 2.5499% | 3,479 |
| Loan and lease loss provision to assets | 0.2513% | 612 |
| Net operating income to assets | 2.2142% | 248 |
| Return on assets (ROA) | 2.2142% | 239 |
| Pretax return on assets | 2.9495% | 120 |
| Return on Equity (ROE) | 20.3008% | 246 |
| Retained earnings to average equity (ytd only) | 17.8429% | 98 |
| Net charge-offs to loans | 0.0280% | 2,295 |
| Credit loss provision to net charge-offs | 1,115.5039% | 375 |
| Earnings coverage of net charge-offs (x) | 142.0698% | 537 |
| Efficiency ratio | 44.0793% | 5,283 |
| Assets per employee ($millions) | 5.1765% | 2,216 |
| Cash dividends to net income (ytd only)* | 12.1076% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,547 |
| Loan loss allowance to noncurrent loans | 92.8886% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 1,104 |
| Noncurrent loans to loans | 1.5635% | 1,050 |
| Net loans and leases to total assets | 80.7618% | 892 |
| Net loans and leases to deposits | 91.4643% | 1,648 |
| Net loans and leases to core deposits | 98.1601% | 1,879 |
| Total domestic deposits to total assets | 88.2987% | 1,219 |
| Equity capital to assets | 11.1552% | 2,500 |
| Core capital (leverage) ratio | 11.2111% | 2,337 |
| Tier 1 risk-based capital ratio | 12.6140% | 4,119 |
| Total risk-based capital ratio | 13.8656% | 4,018 |
| Memoranda: | ||
| Average total assets | $1,145,154,670 | 668 |
| Average earning assets | $1,085,968,330 | 651 |
| Average equity | $124,901,330 | 688 |
| Average total loans | $922,198,670 | 596 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 158 |
| Cost of funding earning assets | 0.4838% | 2,921 |
| Net interest margin | 5.4327% | 119 |
| Noninterest income to average assets | 0.5233% | 2,665 |
| Noninterest expense to average assets | 2.5141% | 3,599 |
| Loan and lease loss provision to assets | 0.2539% | 579 |
| Net operating income to assets | 2.1805% | 256 |
| Return on assets (ROA) | 2.1805% | 255 |
| Pretax return on assets | 2.9096% | 123 |
| Return on Equity (ROE) | 20.2292% | 234 |
| Retained earnings to average equity (ytd only) | 17.6183% | 169 |
| Net charge-offs to loans | 0.4748% | 320 |
| Credit loss provision to net charge-offs | 67.0084% | 1,851 |
| Earnings coverage of net charge-offs (x) | 8.3495% | 2,038 |
| Efficiency ratio | 44.0139% | 5,345 |
| Assets per employee ($millions) | 5.4623% | 1,976 |
| Cash dividends to net income (ytd only)* | 12.9069% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,051 |
| Loan loss allowance to noncurrent loans | 78.7513% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 1,101 |
| Noncurrent loans to loans | 1.7029% | 1,004 |
| Net loans and leases to total assets | 77.5210% | 1,310 |
| Net loans and leases to deposits | 87.5673% | 1,989 |
| Net loans and leases to core deposits | 94.3111% | 2,111 |
| Total domestic deposits to total assets | 88.5274% | 1,341 |
| Equity capital to assets | 10.7213% | 2,850 |
| Core capital (leverage) ratio | 11.2341% | 2,220 |
| Tier 1 risk-based capital ratio | 12.5705% | 4,197 |
| Total risk-based capital ratio | 13.8207% | 4,100 |
| Memoranda: | ||
| Average total assets | $1,132,790,000 | 679 |
| Average earning assets | $1,074,759,500 | 658 |
| Average equity | $122,100,500 | 705 |
| Average total loans | $903,926,500 | 608 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 277 |
| Cost of funding earning assets | 0.4514% | 2,763 |
| Net interest margin | 5.0128% | 232 |
| Noninterest income to average assets | 1.4359% | 517 |
| Noninterest expense to average assets | 2.8500% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.0228% | 271 |
| Return on assets (ROA) | 2.0221% | 275 |
| Pretax return on assets | 3.2942% | 83 |
| Return on Equity (ROE) | 18.7588% | 256 |
| Retained earnings to average equity (ytd only) | 14.8261% | 86 |
| Net charge-offs to loans | 0.0127% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 328.9143% | 264 |
| Efficiency ratio | 45.3101% | 5,413 |
| Assets per employee ($millions) | 5.1742% | 2,282 |
| Cash dividends to net income (ytd only)* | 20.9645% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,720 |
| Loan loss allowance to noncurrent loans | 82.5200% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3901% | 1,015 |
| Noncurrent loans to loans | 1.7105% | 952 |
| Net loans and leases to total assets | 79.9417% | 963 |
| Net loans and leases to deposits | 90.2293% | 1,750 |
| Net loans and leases to core deposits | 97.7267% | 1,881 |
| Total domestic deposits to total assets | 88.5984% | 1,196 |
| Equity capital to assets | 10.8403% | 2,788 |
| Core capital (leverage) ratio | 10.9013% | 2,427 |
| Tier 1 risk-based capital ratio | 12.2032% | 4,392 |
| Total risk-based capital ratio | 13.4541% | 4,288 |
| Memoranda: | ||
| Average total assets | $1,048,050,200 | 708 |
| Average earning assets | $984,593,400 | 688 |
| Average equity | $112,976,200 | 731 |
| Average total loans | $827,797,600 | 633 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4385% | 275 |
| Cost of funding earning assets | 0.4430% | 2,778 |
| Net interest margin | 4.9955% | 235 |
| Noninterest income to average assets | 1.8664% | 345 |
| Noninterest expense to average assets | 2.6120% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.4325% | 150 |
| Return on assets (ROA) | 2.4316% | 151 |
| Pretax return on assets | 3.9382% | 74 |
| Return on Equity (ROE) | 22.5908% | 116 |
| Retained earnings to average equity (ytd only) | 19.3172% | 57 |
| Net charge-offs to loans | -0.0350% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4748% | 5,593 |
| Assets per employee ($millions) | 5.1980% | 2,227 |
| Cash dividends to net income (ytd only)* | 14.4909% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,545 |
| Loan loss allowance to noncurrent loans | 94.2634% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 1,113 |
| Noncurrent loans to loans | 1.5881% | 1,161 |
| Net loans and leases to total assets | 81.0406% | 833 |
| Net loans and leases to deposits | 92.5026% | 1,496 |
| Net loans and leases to core deposits | 100.2462% | 1,683 |
| Total domestic deposits to total assets | 87.6090% | 1,575 |
| Equity capital to assets | 11.3280% | 2,550 |
| Core capital (leverage) ratio | 11.3316% | 2,159 |
| Tier 1 risk-based capital ratio | 12.3156% | 4,428 |
| Total risk-based capital ratio | 13.5671% | 4,332 |
| Memoranda: | ||
| Average total assets | $1,034,536,500 | 720 |
| Average earning assets | $970,263,000 | 704 |
| Average equity | $111,352,250 | 743 |
| Average total loans | $811,333,250 | 649 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 690 |
| Cost of funding earning assets | 0.4380% | 2,717 |
| Net interest margin | 4.4641% | 618 |
| Noninterest income to average assets | 2.3031% | 256 |
| Noninterest expense to average assets | 2.5870% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.4156% | 145 |
| Return on assets (ROA) | 2.4143% | 145 |
| Pretax return on assets | 3.8883% | 78 |
| Return on Equity (ROE) | 22.8373% | 109 |
| Retained earnings to average equity (ytd only) | 19.1138% | 66 |
| Net charge-offs to loans | -0.1046% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5393% | 5,641 |
| Assets per employee ($millions) | 5.1686% | 2,190 |
| Cash dividends to net income (ytd only)* | 16.3045% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,289 |
| Loan loss allowance to noncurrent loans | 176.5694% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 2,178 |
| Noncurrent loans to loans | 0.8990% | 2,179 |
| Net loans and leases to total assets | 78.0000% | 1,249 |
| Net loans and leases to deposits | 88.4501% | 1,931 |
| Net loans and leases to core deposits | 96.0983% | 1,972 |
| Total domestic deposits to total assets | 88.1853% | 1,359 |
| Equity capital to assets | 10.8469% | 2,968 |
| Core capital (leverage) ratio | 10.9053% | 2,498 |
| Tier 1 risk-based capital ratio | 12.3237% | 4,405 |
| Total risk-based capital ratio | 13.5764% | 4,303 |
| Memoranda: | ||
| Average total assets | $1,029,383,670 | 730 |
| Average earning assets | $962,563,670 | 712 |
| Average equity | $108,822,000 | 754 |
| Average total loans | $793,826,330 | 662 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 858 |
| Cost of funding earning assets | 0.4504% | 2,520 |
| Net interest margin | 4.2932% | 800 |
| Noninterest income to average assets | 3.4509% | 173 |
| Noninterest expense to average assets | 2.6187% | 3,422 |
| Loan and lease loss provision to assets | 0.8572% | 109 |
| Net operating income to assets | 2.4697% | 142 |
| Return on assets (ROA) | 2.4604% | 147 |
| Pretax return on assets | 3.9673% | 81 |
| Return on Equity (ROE) | 23.7130% | 109 |
| Retained earnings to average equity (ytd only) | 23.7130% | 61 |
| Net charge-offs to loans | -0.1076% | 5,472 |
| Credit loss provision to net charge-offs | -1,046.8900% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7675% | 5,771 |
| Assets per employee ($millions) | 5.0551% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 807 |
| Loan loss allowance to noncurrent loans | 204.4637% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 2,247 |
| Noncurrent loans to loans | 0.9215% | 2,197 |
| Net loans and leases to total assets | 75.5940% | 1,480 |
| Net loans and leases to deposits | 85.5065% | 2,092 |
| Net loans and leases to core deposits | 92.6964% | 2,099 |
| Total domestic deposits to total assets | 88.4073% | 1,482 |
| Equity capital to assets | 10.4751% | 3,207 |
| Core capital (leverage) ratio | 10.7464% | 2,643 |
| Tier 1 risk-based capital ratio | 12.1073% | 4,647 |
| Total risk-based capital ratio | 13.3631% | 4,541 |
| Memoranda: | ||
| Average total assets | $1,020,953,000 | 737 |
| Average earning assets | $952,864,000 | 722 |
| Average equity | $105,933,500 | 773 |
| Average total loans | $776,989,500 | 678 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 743 |
| Cost of funding earning assets | 0.4531% | 2,509 |
| Net interest margin | 4.4432% | 705 |
| Noninterest income to average assets | 1.0176% | 1,093 |
| Noninterest expense to average assets | 2.7638% | 3,144 |
| Loan and lease loss provision to assets | 0.0787% | 2,789 |
| Net operating income to assets | 1.4334% | 950 |
| Return on assets (ROA) | 1.4334% | 971 |
| Pretax return on assets | 2.3190% | 265 |
| Return on Equity (ROE) | 14.1094% | 756 |
| Retained earnings to average equity (ytd only) | 10.1892% | 385 |
| Net charge-offs to loans | 0.0076% | 4,007 |
| Credit loss provision to net charge-offs | 1,363.6364% | 296 |
| Earnings coverage of net charge-offs (x) | 415.6182% | 194 |
| Efficiency ratio | 52.6286% | 5,337 |
| Assets per employee ($millions) | 4.5480% | 3,043 |
| Cash dividends to net income (ytd only)* | 27.7843% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 1,157 |
| Loan loss allowance to noncurrent loans | 327.7248% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,226 |
| Noncurrent loans to loans | 0.5163% | 3,300 |
| Net loans and leases to total assets | 73.8536% | 1,872 |
| Net loans and leases to deposits | 83.0937% | 2,533 |
| Net loans and leases to core deposits | 90.2712% | 2,478 |
| Total domestic deposits to total assets | 88.8798% | 1,168 |
| Equity capital to assets | 10.2727% | 3,421 |
| Core capital (leverage) ratio | 10.1638% | 3,279 |
| Tier 1 risk-based capital ratio | 12.0643% | 4,686 |
| Total risk-based capital ratio | 13.3178% | 4,567 |
| Memoranda: | ||
| Average total assets | $953,401,000 | 758 |
| Average earning assets | $889,151,000 | 740 |
| Average equity | $96,857,400 | 816 |
| Average total loans | $724,084,800 | 698 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 711 |
| Cost of funding earning assets | 0.4512% | 2,550 |
| Net interest margin | 4.4590% | 691 |
| Noninterest income to average assets | 0.9530% | 1,250 |
| Noninterest expense to average assets | 2.6997% | 3,348 |
| Loan and lease loss provision to assets | 0.0797% | 2,620 |
| Net operating income to assets | 1.5040% | 873 |
| Return on assets (ROA) | 1.5040% | 926 |
| Pretax return on assets | 2.3323% | 296 |
| Return on Equity (ROE) | 14.8490% | 685 |
| Retained earnings to average equity (ytd only) | 11.7986% | 331 |
| Net charge-offs to loans | -0.0007% | 4,428 |
| Credit loss provision to net charge-offs | -14,075.0000% | 5,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2022% | 5,372 |
| Assets per employee ($millions) | 4.8410% | 2,573 |
| Cash dividends to net income (ytd only)* | 20.5423% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 1,263 |
| Loan loss allowance to noncurrent loans | 428.1197% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 3,745 |
| Noncurrent loans to loans | 0.3929% | 3,856 |
| Net loans and leases to total assets | 75.6385% | 1,584 |
| Net loans and leases to deposits | 85.1918% | 2,343 |
| Net loans and leases to core deposits | 92.5736% | 2,326 |
| Total domestic deposits to total assets | 88.7862% | 1,011 |
| Equity capital to assets | 10.4281% | 3,635 |
| Core capital (leverage) ratio | 10.6143% | 2,857 |
| Tier 1 risk-based capital ratio | 12.2533% | 4,641 |
| Total risk-based capital ratio | 13.5071% | 4,534 |
| Memoranda: | ||
| Average total assets | $941,613,000 | 765 |
| Average earning assets | $878,192,500 | 749 |
| Average equity | $95,375,750 | 837 |
| Average total loans | $717,190,250 | 701 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 728 |
| Cost of funding earning assets | 0.4597% | 2,478 |
| Net interest margin | 4.4379% | 704 |
| Noninterest income to average assets | 1.0207% | 1,069 |
| Noninterest expense to average assets | 2.7094% | 3,363 |
| Loan and lease loss provision to assets | 0.0805% | 2,525 |
| Net operating income to assets | 1.5525% | 802 |
| Return on assets (ROA) | 1.5525% | 844 |
| Pretax return on assets | 2.3651% | 271 |
| Return on Equity (ROE) | 15.4867% | 613 |
| Retained earnings to average equity (ytd only) | 12.8492% | 244 |
| Net charge-offs to loans | -0.0224% | 4,993 |
| Credit loss provision to net charge-offs | -474.6835% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9458% | 5,448 |
| Assets per employee ($millions) | 4.7395% | 2,647 |
| Cash dividends to net income (ytd only)* | 17.0310% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,215 |
| Loan loss allowance to noncurrent loans | 454.0757% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 3,647 |
| Noncurrent loans to loans | 0.3807% | 4,002 |
| Net loans and leases to total assets | 75.2013% | 1,616 |
| Net loans and leases to deposits | 84.4799% | 2,409 |
| Net loans and leases to core deposits | 92.1106% | 2,341 |
| Total domestic deposits to total assets | 89.0168% | 913 |
| Equity capital to assets | 10.2264% | 3,941 |
| Core capital (leverage) ratio | 10.3310% | 3,157 |
| Tier 1 risk-based capital ratio | 12.0018% | 4,829 |
| Total risk-based capital ratio | 13.2561% | 4,736 |
| Memoranda: | ||
| Average total assets | $931,140,000 | 774 |
| Average earning assets | $867,438,000 | 760 |
| Average equity | $93,344,670 | 857 |
| Average total loans | $706,727,670 | 709 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 884 |
| Cost of funding earning assets | 0.4627% | 2,440 |
| Net interest margin | 4.3220% | 892 |
| Noninterest income to average assets | 0.9106% | 1,286 |
| Noninterest expense to average assets | 2.7014% | 3,409 |
| Loan and lease loss provision to assets | 0.0813% | 2,331 |
| Net operating income to assets | 1.3205% | 1,207 |
| Return on assets (ROA) | 1.3205% | 1,289 |
| Pretax return on assets | 2.1588% | 414 |
| Return on Equity (ROE) | 13.3083% | 967 |
| Retained earnings to average equity (ytd only) | 11.9313% | 515 |
| Net charge-offs to loans | -0.1390% | 5,751 |
| Credit loss provision to net charge-offs | -77.3663% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0205% | 5,383 |
| Assets per employee ($millions) | 4.6169% | 2,865 |
| Cash dividends to net income (ytd only)* | 10.3471% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 1,221 |
| Loan loss allowance to noncurrent loans | 446.5758% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 3,388 |
| Noncurrent loans to loans | 0.3951% | 4,020 |
| Net loans and leases to total assets | 73.9944% | 1,731 |
| Net loans and leases to deposits | 83.0835% | 2,419 |
| Net loans and leases to core deposits | 90.6987% | 2,308 |
| Total domestic deposits to total assets | 89.0602% | 1,069 |
| Equity capital to assets | 9.9424% | 4,157 |
| Core capital (leverage) ratio | 10.1632% | 3,353 |
| Tier 1 risk-based capital ratio | 11.7277% | 5,097 |
| Total risk-based capital ratio | 12.9822% | 4,997 |
| Memoranda: | ||
| Average total assets | $925,134,500 | 782 |
| Average earning assets | $862,850,000 | 766 |
| Average equity | $91,792,000 | 867 |
| Average total loans | $699,221,500 | 715 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 624 |
| Cost of funding earning assets | 0.4700% | 2,441 |
| Net interest margin | 4.5345% | 615 |
| Noninterest income to average assets | 1.5753% | 509 |
| Noninterest expense to average assets | 2.8970% | 2,872 |
| Loan and lease loss provision to assets | 0.1379% | 1,717 |
| Net operating income to assets | 1.5528% | 781 |
| Return on assets (ROA) | 1.5528% | 802 |
| Pretax return on assets | 2.5841% | 180 |
| Return on Equity (ROE) | 15.2018% | 656 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,808 |
| Net charge-offs to loans | 0.1400% | 1,948 |
| Credit loss provision to net charge-offs | 131.2707% | 1,995 |
| Earnings coverage of net charge-offs (x) | 25.9193% | 1,609 |
| Efficiency ratio | 50.8601% | 5,714 |
| Assets per employee ($millions) | 4.4108% | 3,194 |
| Cash dividends to net income (ytd only)* | 79.2557% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 1,274 |
| Loan loss allowance to noncurrent loans | 295.0675% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 2,518 |
| Noncurrent loans to loans | 0.5885% | 3,404 |
| Net loans and leases to total assets | 74.5277% | 1,641 |
| Net loans and leases to deposits | 83.4691% | 2,427 |
| Net loans and leases to core deposits | 90.7413% | 2,342 |
| Total domestic deposits to total assets | 89.2877% | 976 |
| Equity capital to assets | 9.9010% | 4,071 |
| Core capital (leverage) ratio | 9.9277% | 3,608 |
| Tier 1 risk-based capital ratio | 11.7141% | 5,124 |
| Total risk-based capital ratio | 12.9684% | 5,038 |
| Memoranda: | ||
| Average total assets | $861,782,800 | 800 |
| Average earning assets | $768,489,400 | 821 |
| Average equity | $88,029,000 | 865 |
| Average total loans | $646,622,000 | 723 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 542 |
| Cost of funding earning assets | 0.4748% | 2,457 |
| Net interest margin | 4.5975% | 547 |
| Noninterest income to average assets | 1.4436% | 594 |
| Noninterest expense to average assets | 2.7975% | 3,199 |
| Loan and lease loss provision to assets | 0.1866% | 1,101 |
| Net operating income to assets | 1.5860% | 793 |
| Return on assets (ROA) | 1.5860% | 834 |
| Pretax return on assets | 2.5111% | 237 |
| Return on Equity (ROE) | 15.3998% | 676 |
| Retained earnings to average equity (ytd only) | -0.2059% | 5,640 |
| Net charge-offs to loans | 0.1497% | 1,640 |
| Credit loss provision to net charge-offs | 166.6199% | 1,551 |
| Earnings coverage of net charge-offs (x) | 24.0912% | 1,706 |
| Efficiency ratio | 50.9088% | 5,730 |
| Assets per employee ($millions) | 4.2455% | 3,435 |
| Cash dividends to net income (ytd only)* | 101.3367% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 1,203 |
| Loan loss allowance to noncurrent loans | 218.1429% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 2,190 |
| Noncurrent loans to loans | 0.8389% | 2,870 |
| Net loans and leases to total assets | 75.6624% | 1,437 |
| Net loans and leases to deposits | 84.9666% | 2,286 |
| Net loans and leases to core deposits | 91.9655% | 2,270 |
| Total domestic deposits to total assets | 89.0497% | 1,009 |
| Equity capital to assets | 10.1087% | 4,042 |
| Core capital (leverage) ratio | 10.0106% | 3,613 |
| Tier 1 risk-based capital ratio | 11.4491% | 5,405 |
| Total risk-based capital ratio | 12.7039% | 5,319 |
| Memoranda: | ||
| Average total assets | $848,967,250 | 818 |
| Average earning assets | $748,158,500 | 855 |
| Average equity | $87,436,000 | 879 |
| Average total loans | $635,153,750 | 742 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 523 |
| Cost of funding earning assets | 0.4765% | 2,464 |
| Net interest margin | 4.6092% | 527 |
| Noninterest income to average assets | 1.7382% | 450 |
| Noninterest expense to average assets | 2.7650% | 3,364 |
| Loan and lease loss provision to assets | 0.2818% | 575 |
| Net operating income to assets | 1.7394% | 581 |
| Return on assets (ROA) | 1.7394% | 609 |
| Pretax return on assets | 2.7569% | 170 |
| Return on Equity (ROE) | 16.7829% | 513 |
| Retained earnings to average equity (ytd only) | 14.9431% | 192 |
| Net charge-offs to loans | 0.1028% | 1,980 |
| Credit loss provision to net charge-offs | 370.0935% | 797 |
| Earnings coverage of net charge-offs (x) | 39.9128% | 1,134 |
| Efficiency ratio | 47.6420% | 5,980 |
| Assets per employee ($millions) | 4.0711% | 3,743 |
| Cash dividends to net income (ytd only)* | 10.9626% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9483% | 1,074 |
| Loan loss allowance to noncurrent loans | 317.4220% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 2,672 |
| Noncurrent loans to loans | 0.6138% | 3,625 |
| Net loans and leases to total assets | 74.2181% | 1,627 |
| Net loans and leases to deposits | 83.3908% | 2,392 |
| Net loans and leases to core deposits | 89.7404% | 2,376 |
| Total domestic deposits to total assets | 89.0003% | 1,145 |
| Equity capital to assets | 10.1988% | 3,807 |
| Core capital (leverage) ratio | 10.1668% | 3,380 |
| Tier 1 risk-based capital ratio | 11.9162% | 5,206 |
| Total risk-based capital ratio | 13.1726% | 5,104 |
| Memoranda: | ||
| Average total assets | $843,265,330 | 830 |
| Average earning assets | $743,767,670 | 861 |
| Average equity | $87,398,330 | 883 |
| Average total loans | $624,369,000 | 754 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 610 |
| Cost of funding earning assets | 0.4842% | 2,424 |
| Net interest margin | 4.4780% | 628 |
| Noninterest income to average assets | 0.9701% | 1,189 |
| Noninterest expense to average assets | 2.7116% | 3,546 |
| Loan and lease loss provision to assets | 0.0898% | 2,195 |
| Net operating income to assets | 1.3374% | 1,166 |
| Return on assets (ROA) | 1.3374% | 1,237 |
| Pretax return on assets | 2.1088% | 474 |
| Return on Equity (ROE) | 12.7999% | 1,140 |
| Retained earnings to average equity (ytd only) | 11.0216% | 715 |
| Net charge-offs to loans | 0.0163% | 2,844 |
| Credit loss provision to net charge-offs | 752.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 184.1200% | 304 |
| Efficiency ratio | 55.2237% | 5,577 |
| Assets per employee ($millions) | 4.2657% | 3,436 |
| Cash dividends to net income (ytd only)* | 13.8929% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 1,229 |
| Loan loss allowance to noncurrent loans | 385.8671% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 2,825 |
| Noncurrent loans to loans | 0.4997% | 4,078 |
| Net loans and leases to total assets | 72.0481% | 1,795 |
| Net loans and leases to deposits | 81.1507% | 2,427 |
| Net loans and leases to core deposits | 87.0321% | 2,429 |
| Total domestic deposits to total assets | 88.7832% | 1,401 |
| Equity capital to assets | 10.3910% | 3,662 |
| Core capital (leverage) ratio | 10.3493% | 3,166 |
| Tier 1 risk-based capital ratio | 12.7577% | 4,754 |
| Total risk-based capital ratio | 14.0141% | 4,662 |
| Memoranda: | ||
| Average total assets | $837,432,000 | 842 |
| Average earning assets | $736,855,000 | 872 |
| Average equity | $87,501,000 | 883 |
| Average total loans | $612,992,500 | 765 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 532 |
| Cost of funding earning assets | 0.5594% | 2,142 |
| Net interest margin | 4.6268% | 592 |
| Noninterest income to average assets | 0.8881% | 1,546 |
| Noninterest expense to average assets | 3.0456% | 2,705 |
| Loan and lease loss provision to assets | 0.1122% | 2,298 |
| Net operating income to assets | 1.0962% | 1,987 |
| Return on assets (ROA) | 1.0866% | 2,080 |
| Pretax return on assets | 1.7306% | 921 |
| Return on Equity (ROE) | 10.2196% | 2,021 |
| Retained earnings to average equity (ytd only) | 7.8297% | 1,083 |
| Net charge-offs to loans | -0.0304% | 5,790 |
| Credit loss provision to net charge-offs | -509.3023% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1099% | 4,898 |
| Assets per employee ($millions) | 4.1507% | 3,633 |
| Cash dividends to net income (ytd only)* | 23.3852% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 1,244 |
| Loan loss allowance to noncurrent loans | 252.9843% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 2,367 |
| Noncurrent loans to loans | 0.7625% | 3,415 |
| Net loans and leases to total assets | 71.5444% | 1,985 |
| Net loans and leases to deposits | 80.6962% | 2,641 |
| Net loans and leases to core deposits | 86.6575% | 2,634 |
| Total domestic deposits to total assets | 88.6590% | 1,439 |
| Equity capital to assets | 10.4822% | 3,509 |
| Core capital (leverage) ratio | 10.2041% | 3,303 |
| Tier 1 risk-based capital ratio | 12.2455% | 5,195 |
| Total risk-based capital ratio | 13.5013% | 5,105 |
| Memoranda: | ||
| Average total assets | $780,805,000 | 869 |
| Average earning assets | $677,631,800 | 907 |
| Average equity | $83,017,200 | 885 |
| Average total loans | $565,816,600 | 785 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 516 |
| Cost of funding earning assets | 0.5765% | 2,050 |
| Net interest margin | 4.6291% | 580 |
| Noninterest income to average assets | 1.0289% | 1,164 |
| Noninterest expense to average assets | 3.1530% | 2,313 |
| Loan and lease loss provision to assets | 0.1195% | 2,077 |
| Net operating income to assets | 1.1083% | 1,994 |
| Return on assets (ROA) | 1.0952% | 2,122 |
| Pretax return on assets | 1.7172% | 1,032 |
| Return on Equity (ROE) | 10.2616% | 2,086 |
| Retained earnings to average equity (ytd only) | 8.9903% | 1,009 |
| Net charge-offs to loans | 0.1283% | 2,510 |
| Credit loss provision to net charge-offs | 128.8390% | 1,790 |
| Earnings coverage of net charge-offs (x) | 20.0188% | 1,758 |
| Efficiency ratio | 62.9309% | 4,740 |
| Assets per employee ($millions) | 4.0113% | 3,854 |
| Cash dividends to net income (ytd only)* | 12.3890% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 1,763 |
| Loan loss allowance to noncurrent loans | 225.5562% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 1,924 |
| Noncurrent loans to loans | 0.7848% | 3,618 |
| Net loans and leases to total assets | 74.2806% | 1,475 |
| Net loans and leases to deposits | 84.0650% | 2,141 |
| Net loans and leases to core deposits | 90.4157% | 2,181 |
| Total domestic deposits to total assets | 88.3609% | 1,571 |
| Equity capital to assets | 10.6732% | 3,338 |
| Core capital (leverage) ratio | 10.5441% | 2,991 |
| Tier 1 risk-based capital ratio | 11.8692% | 5,578 |
| Total risk-based capital ratio | 13.1231% | 5,493 |
| Memoranda: | ||
| Average total assets | $767,431,250 | 887 |
| Average earning assets | $660,037,250 | 941 |
| Average equity | $81,908,250 | 898 |
| Average total loans | $555,111,750 | 796 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 577 |
| Cost of funding earning assets | 0.5894% | 1,984 |
| Net interest margin | 4.5430% | 645 |
| Noninterest income to average assets | 1.4064% | 612 |
| Noninterest expense to average assets | 3.2347% | 2,085 |
| Loan and lease loss provision to assets | 0.1147% | 2,120 |
| Net operating income to assets | 1.2509% | 1,443 |
| Return on assets (ROA) | 1.2308% | 1,562 |
| Pretax return on assets | 1.9369% | 633 |
| Return on Equity (ROE) | 11.5322% | 1,569 |
| Retained earnings to average equity (ytd only) | 10.5644% | 603 |
| Net charge-offs to loans | 0.1661% | 2,061 |
| Credit loss provision to net charge-offs | 97.0787% | 2,060 |
| Earnings coverage of net charge-offs (x) | 17.6270% | 1,724 |
| Efficiency ratio | 60.8290% | 5,171 |
| Assets per employee ($millions) | 3.8216% | 4,212 |
| Cash dividends to net income (ytd only)* | 8.3927% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,826 |
| Loan loss allowance to noncurrent loans | 194.3585% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 2.0505% | 1,546 |
| Noncurrent loans to loans | 0.9304% | 3,389 |
| Net loans and leases to total assets | 72.9602% | 1,580 |
| Net loans and leases to deposits | 82.5695% | 2,187 |
| Net loans and leases to core deposits | 98.7129% | 1,393 |
| Total domestic deposits to total assets | 88.3621% | 1,705 |
| Equity capital to assets | 10.7210% | 3,176 |
| Core capital (leverage) ratio | 10.4384% | 3,027 |
| Tier 1 risk-based capital ratio | 12.1946% | 5,425 |
| Total risk-based capital ratio | 13.4490% | 5,338 |
| Memoranda: | ||
| Average total assets | $753,147,330 | 906 |
| Average earning assets | $648,430,670 | 960 |
| Average equity | $80,383,330 | 907 |
| Average total loans | $535,905,670 | 815 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 814 |
| Cost of funding earning assets | 0.5957% | 2,006 |
| Net interest margin | 4.3394% | 925 |
| Noninterest income to average assets | 2.0102% | 336 |
| Noninterest expense to average assets | 3.2261% | 2,136 |
| Loan and lease loss provision to assets | 0.1087% | 2,125 |
| Net operating income to assets | 1.5142% | 790 |
| Return on assets (ROA) | 1.5142% | 829 |
| Pretax return on assets | 2.4237% | 257 |
| Return on Equity (ROE) | 14.2218% | 904 |
| Retained earnings to average equity (ytd only) | 14.2218% | 375 |
| Net charge-offs to loans | 0.1550% | 1,786 |
| Credit loss provision to net charge-offs | 101.0152% | 1,642 |
| Earnings coverage of net charge-offs (x) | 23.5330% | 1,215 |
| Efficiency ratio | 56.0235% | 5,838 |
| Assets per employee ($millions) | 3.7547% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 1,688 |
| Loan loss allowance to noncurrent loans | 193.4696% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4577% | 1,307 |
| Noncurrent loans to loans | 0.9938% | 3,433 |
| Net loans and leases to total assets | 70.1944% | 1,855 |
| Net loans and leases to deposits | 79.5265% | 2,366 |
| Net loans and leases to core deposits | 86.4401% | 2,273 |
| Total domestic deposits to total assets | 88.2655% | 2,073 |
| Equity capital to assets | 10.7633% | 2,972 |
| Core capital (leverage) ratio | 11.3931% | 2,056 |
| Tier 1 risk-based capital ratio | 12.8420% | 5,099 |
| Total risk-based capital ratio | 14.0979% | 5,041 |
| Memoranda: | ||
| Average total assets | $732,277,000 | 928 |
| Average earning assets | $632,537,000 | 984 |
| Average equity | $77,965,000 | 941 |
| Average total loans | $508,542,500 | 866 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 424 |
| Cost of funding earning assets | 0.7759% | 1,343 |
| Net interest margin | 4.6360% | 565 |
| Noninterest income to average assets | 1.8749% | 431 |
| Noninterest expense to average assets | 3.2752% | 2,206 |
| Loan and lease loss provision to assets | 0.3096% | 1,079 |
| Net operating income to assets | 1.4351% | 952 |
| Return on assets (ROA) | 1.4351% | 988 |
| Pretax return on assets | 2.2314% | 300 |
| Return on Equity (ROE) | 12.7319% | 1,227 |
| Retained earnings to average equity (ytd only) | 11.0918% | 405 |
| Net charge-offs to loans | 0.1907% | 2,938 |
| Credit loss provision to net charge-offs | 240.0527% | 954 |
| Earnings coverage of net charge-offs (x) | 19.7022% | 1,593 |
| Efficiency ratio | 56.3119% | 5,915 |
| Assets per employee ($millions) | 3.7153% | 4,445 |
| Cash dividends to net income (ytd only)* | 12.8818% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 1,955 |
| Loan loss allowance to noncurrent loans | 132.8883% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 2,740 |
| Noncurrent loans to loans | 1.3817% | 2,828 |
| Net loans and leases to total assets | 65.8142% | 2,716 |
| Net loans and leases to deposits | 74.9527% | 3,108 |
| Net loans and leases to core deposits | 82.5993% | 2,820 |
| Total domestic deposits to total assets | 87.8077% | 2,299 |
| Equity capital to assets | 10.5154% | 3,134 |
| Core capital (leverage) ratio | 10.0442% | 3,505 |
| Tier 1 risk-based capital ratio | 14.5620% | 3,926 |
| Total risk-based capital ratio | 15.8189% | 3,855 |
| Memoranda: | ||
| Average total assets | $588,511,600 | 1,129 |
| Average earning assets | $500,319,600 | 1,218 |
| Average equity | $66,337,400 | 1,084 |
| Average total loans | $398,095,800 | 1,079 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5203% | 360 |
| Cost of funding earning assets | 0.8134% | 1,252 |
| Net interest margin | 4.7069% | 508 |
| Noninterest income to average assets | 2.2492% | 348 |
| Noninterest expense to average assets | 3.1738% | 2,439 |
| Loan and lease loss provision to assets | 0.3405% | 955 |
| Net operating income to assets | 1.7589% | 572 |
| Return on assets (ROA) | 1.7589% | 598 |
| Pretax return on assets | 2.7115% | 181 |
| Return on Equity (ROE) | 15.2916% | 751 |
| Retained earnings to average equity (ytd only) | 15.1107% | 195 |
| Net charge-offs to loans | 0.1858% | 2,737 |
| Credit loss provision to net charge-offs | 270.1689% | 934 |
| Earnings coverage of net charge-offs (x) | 24.2138% | 1,431 |
| Efficiency ratio | 50.9781% | 6,333 |
| Assets per employee ($millions) | 3.9007% | 4,036 |
| Cash dividends to net income (ytd only)* | 1.1831% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 1,876 |
| Loan loss allowance to noncurrent loans | 131.9091% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.5205% | 2,653 |
| Noncurrent loans to loans | 1.4730% | 2,958 |
| Net loans and leases to total assets | 61.3993% | 3,465 |
| Net loans and leases to deposits | 70.0928% | 3,774 |
| Net loans and leases to core deposits | 77.4204% | 3,436 |
| Total domestic deposits to total assets | 87.5973% | 2,361 |
| Equity capital to assets | 10.5868% | 3,179 |
| Core capital (leverage) ratio | 11.2256% | 2,276 |
| Tier 1 risk-based capital ratio | 13.8800% | 4,517 |
| Total risk-based capital ratio | 15.1355% | 4,468 |
| Memoranda: | ||
| Average total assets | $563,807,750 | 1,185 |
| Average earning assets | $476,337,000 | 1,289 |
| Average equity | $64,853,000 | 1,117 |
| Average total loans | $382,414,750 | 1,119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7610% | 253 |
| Cost of funding earning assets | 0.8835% | 971 |
| Net interest margin | 4.8775% | 384 |
| Noninterest income to average assets | 2.4796% | 323 |
| Noninterest expense to average assets | 3.1564% | 2,492 |
| Loan and lease loss provision to assets | 0.3564% | 928 |
| Net operating income to assets | 2.0416% | 335 |
| Return on assets (ROA) | 2.0416% | 351 |
| Pretax return on assets | 3.0427% | 141 |
| Return on Equity (ROE) | 17.1558% | 541 |
| Retained earnings to average equity (ytd only) | 16.9698% | 158 |
| Net charge-offs to loans | 0.1388% | 2,990 |
| Credit loss provision to net charge-offs | 366.2745% | 708 |
| Earnings coverage of net charge-offs (x) | 34.9373% | 1,029 |
| Efficiency ratio | 48.1492% | 6,526 |
| Assets per employee ($millions) | 3.9038% | 4,009 |
| Cash dividends to net income (ytd only)* | 1.0839% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1349% | 1,554 |
| Loan loss allowance to noncurrent loans | 94.4568% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.6371% | 1,587 |
| Noncurrent loans to loans | 2.2602% | 2,103 |
| Net loans and leases to total assets | 70.2550% | 1,838 |
| Net loans and leases to deposits | 82.2698% | 2,029 |
| Net loans and leases to core deposits | 93.3502% | 1,584 |
| Total domestic deposits to total assets | 85.3959% | 3,700 |
| Equity capital to assets | 12.3664% | 1,663 |
| Core capital (leverage) ratio | 11.9250% | 1,655 |
| Tier 1 risk-based capital ratio | 15.4727% | 3,495 |
| Total risk-based capital ratio | 16.7325% | 3,446 |
| Memoranda: | ||
| Average total assets | $524,202,670 | 1,277 |
| Average earning assets | $438,049,000 | 1,393 |
| Average equity | $62,381,330 | 1,167 |
| Average total loans | $367,409,330 | 1,155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7862% | 237 |
| Cost of funding earning assets | 0.8950% | 1,006 |
| Net interest margin | 4.8912% | 343 |
| Noninterest income to average assets | 1.6503% | 571 |
| Noninterest expense to average assets | 3.0184% | 2,929 |
| Loan and lease loss provision to assets | 0.3397% | 983 |
| Net operating income to assets | 1.5302% | 802 |
| Return on assets (ROA) | 1.5302% | 876 |
| Pretax return on assets | 2.3565% | 325 |
| Return on Equity (ROE) | 13.1178% | 1,141 |
| Retained earnings to average equity (ytd only) | 12.9276% | 571 |
| Net charge-offs to loans | 0.3227% | 1,669 |
| Credit loss provision to net charge-offs | 152.0548% | 1,347 |
| Earnings coverage of net charge-offs (x) | 12.0685% | 1,627 |
| Efficiency ratio | 52.8183% | 6,327 |
| Assets per employee ($millions) | 4.0760% | 3,785 |
| Cash dividends to net income (ytd only)* | 1.4500% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 1,840 |
| Loan loss allowance to noncurrent loans | 73.1447% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 3.2161% | 1,356 |
| Noncurrent loans to loans | 2.8451% | 1,780 |
| Net loans and leases to total assets | 68.0919% | 1,990 |
| Net loans and leases to deposits | 79.2667% | 2,174 |
| Net loans and leases to core deposits | 91.4836% | 1,559 |
| Total domestic deposits to total assets | 85.9023% | 3,579 |
| Equity capital to assets | 11.8756% | 2,124 |
| Core capital (leverage) ratio | 11.3955% | 1,949 |
| Tier 1 risk-based capital ratio | 14.8060% | 3,969 |
| Total risk-based capital ratio | 16.0644% | 3,924 |
| Memoranda: | ||
| Average total assets | $522,799,000 | 1,294 |
| Average earning assets | $434,411,000 | 1,414 |
| Average equity | $60,986,000 | 1,206 |
| Average total loans | $361,950,000 | 1,183 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0576% | 244 |
| Cost of funding earning assets | 1.0275% | 1,216 |
| Net interest margin | 5.0301% | 370 |
| Noninterest income to average assets | 2.3781% | 337 |
| Noninterest expense to average assets | 2.9643% | 3,407 |
| Loan and lease loss provision to assets | 0.4092% | 1,579 |
| Net operating income to assets | 1.8966% | 437 |
| Return on assets (ROA) | 1.9252% | 453 |
| Pretax return on assets | 3.1699% | 123 |
| Return on Equity (ROE) | 17.3807% | 504 |
| Retained earnings to average equity (ytd only) | 14.4214% | 182 |
| Net charge-offs to loans | 0.2130% | 3,684 |
| Credit loss provision to net charge-offs | 287.0879% | 849 |
| Earnings coverage of net charge-offs (x) | 24.7953% | 1,162 |
| Efficiency ratio | 45.6131% | 6,793 |
| Assets per employee ($millions) | 3.9095% | 4,132 |
| Cash dividends to net income (ytd only)* | 17.0260% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 1,895 |
| Loan loss allowance to noncurrent loans | 58.3991% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.9956% | 1,071 |
| Noncurrent loans to loans | 3.5082% | 1,422 |
| Net loans and leases to total assets | 67.5162% | 2,277 |
| Net loans and leases to deposits | 78.2129% | 2,495 |
| Net loans and leases to core deposits | 89.9968% | 1,834 |
| Total domestic deposits to total assets | 86.3236% | 3,189 |
| Equity capital to assets | 11.4558% | 2,489 |
| Core capital (leverage) ratio | 10.5532% | 2,704 |
| Tier 1 risk-based capital ratio | 14.8515% | 3,802 |
| Total risk-based capital ratio | 16.1105% | 3,750 |
| Memoranda: | ||
| Average total assets | $510,711,400 | 1,308 |
| Average earning assets | $418,385,000 | 1,439 |
| Average equity | $56,568,600 | 1,257 |
| Average total loans | $341,837,400 | 1,238 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 315 |
| Cost of funding earning assets | 1.0461% | 1,299 |
| Net interest margin | 4.8865% | 489 |
| Noninterest income to average assets | 2.4019% | 322 |
| Noninterest expense to average assets | 2.7984% | 3,987 |
| Loan and lease loss provision to assets | 0.4401% | 1,433 |
| Net operating income to assets | 1.9718% | 397 |
| Return on assets (ROA) | 2.0101% | 430 |
| Pretax return on assets | 3.2122% | 128 |
| Return on Equity (ROE) | 18.3096% | 467 |
| Retained earnings to average equity (ytd only) | 16.6461% | 165 |
| Net charge-offs to loans | 0.2109% | 3,469 |
| Credit loss provision to net charge-offs | 314.2589% | 853 |
| Earnings coverage of net charge-offs (x) | 25.6510% | 1,239 |
| Efficiency ratio | 43.7875% | 6,905 |
| Assets per employee ($millions) | 4.2735% | 3,327 |
| Cash dividends to net income (ytd only)* | 9.0849% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0147% | 2,125 |
| Loan loss allowance to noncurrent loans | 48.5558% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 5.1972% | 840 |
| Noncurrent loans to loans | 4.1492% | 1,206 |
| Net loans and leases to total assets | 66.9593% | 2,471 |
| Net loans and leases to deposits | 76.6417% | 2,890 |
| Net loans and leases to core deposits | 88.3089% | 2,180 |
| Total domestic deposits to total assets | 87.3666% | 2,454 |
| Equity capital to assets | 11.2875% | 2,952 |
| Core capital (leverage) ratio | 10.5448% | 2,862 |
| Tier 1 risk-based capital ratio | 14.3876% | 4,271 |
| Total risk-based capital ratio | 15.6457% | 4,236 |
| Memoranda: | ||
| Average total assets | $507,420,750 | 1,331 |
| Average earning assets | $414,217,250 | 1,472 |
| Average equity | $55,707,250 | 1,286 |
| Average total loans | $337,022,250 | 1,262 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 392 |
| Cost of funding earning assets | 1.0540% | 1,446 |
| Net interest margin | 4.7720% | 592 |
| Noninterest income to average assets | 2.5407% | 292 |
| Noninterest expense to average assets | 2.7193% | 4,330 |
| Loan and lease loss provision to assets | 0.4280% | 1,524 |
| Net operating income to assets | 2.0566% | 361 |
| Return on assets (ROA) | 2.1147% | 372 |
| Pretax return on assets | 3.3761% | 122 |
| Return on Equity (ROE) | 19.4513% | 388 |
| Retained earnings to average equity (ytd only) | 18.3243% | 135 |
| Net charge-offs to loans | 0.1216% | 3,955 |
| Credit loss provision to net charge-offs | 535.3234% | 571 |
| Earnings coverage of net charge-offs (x) | 46.4428% | 777 |
| Efficiency ratio | 42.2732% | 7,012 |
| Assets per employee ($millions) | 4.4523% | 2,995 |
| Cash dividends to net income (ytd only)* | 5.7938% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,364 |
| Loan loss allowance to noncurrent loans | 37.3669% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 5.4501% | 825 |
| Noncurrent loans to loans | 5.2233% | 921 |
| Net loans and leases to total assets | 64.4439% | 2,946 |
| Net loans and leases to deposits | 73.1104% | 3,441 |
| Net loans and leases to core deposits | 83.4902% | 2,756 |
| Total domestic deposits to total assets | 88.1461% | 2,042 |
| Equity capital to assets | 10.5713% | 3,599 |
| Core capital (leverage) ratio | 10.7330% | 2,557 |
| Tier 1 risk-based capital ratio | 14.1516% | 4,340 |
| Total risk-based capital ratio | 15.4093% | 4,301 |
| Memoranda: | ||
| Average total assets | $502,770,330 | 1,344 |
| Average earning assets | $410,056,330 | 1,485 |
| Average equity | $54,659,670 | 1,301 |
| Average total loans | $330,601,330 | 1,286 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 351 |
| Cost of funding earning assets | 1.1657% | 1,126 |
| Net interest margin | 4.7515% | 626 |
| Noninterest income to average assets | 3.0751% | 232 |
| Noninterest expense to average assets | 2.8474% | 3,832 |
| Loan and lease loss provision to assets | 0.1733% | 3,233 |
| Net operating income to assets | 2.3722% | 213 |
| Return on assets (ROA) | 2.4926% | 220 |
| Pretax return on assets | 4.0900% | 85 |
| Return on Equity (ROE) | 22.5808% | 255 |
| Retained earnings to average equity (ytd only) | 22.3640% | 127 |
| Net charge-offs to loans | 0.0477% | 4,036 |
| Credit loss provision to net charge-offs | 552.6316% | 609 |
| Earnings coverage of net charge-offs (x) | 129.9737% | 274 |
| Efficiency ratio | 41.1323% | 7,080 |
| Assets per employee ($millions) | 4.8157% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.9599% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 2,598 |
| Loan loss allowance to noncurrent loans | 29.4959% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 6.1121% | 758 |
| Noncurrent loans to loans | 6.5291% | 731 |
| Net loans and leases to total assets | 65.6498% | 2,533 |
| Net loans and leases to deposits | 76.2501% | 2,757 |
| Net loans and leases to core deposits | 88.5683% | 1,993 |
| Total domestic deposits to total assets | 86.0979% | 3,469 |
| Equity capital to assets | 11.4054% | 2,522 |
| Core capital (leverage) ratio | 11.3204% | 2,018 |
| Tier 1 risk-based capital ratio | 16.6429% | 2,844 |
| Total risk-based capital ratio | 17.9007% | 2,797 |
| Memoranda: | ||
| Average total assets | $484,793,500 | 1,393 |
| Average earning assets | $392,553,500 | 1,552 |
| Average equity | $53,514,500 | 1,323 |
| Average total loans | $318,859,000 | 1,330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0325% | 410 |
| Cost of funding earning assets | 1.2273% | 1,855 |
| Net interest margin | 4.8052% | 616 |
| Noninterest income to average assets | 8.0369% | 78 |
| Noninterest expense to average assets | 3.2774% | 2,597 |
| Loan and lease loss provision to assets | 0.8200% | 1,190 |
| Net operating income to assets | 4.8261% | 42 |
| Return on assets (ROA) | 4.8261% | 43 |
| Pretax return on assets | 7.9110% | 37 |
| Return on Equity (ROE) | 39.0829% | 19 |
| Retained earnings to average equity (ytd only) | 33.3099% | 9 |
| Net charge-offs to loans | 0.6981% | 2,409 |
| Credit loss provision to net charge-offs | 164.9701% | 1,647 |
| Earnings coverage of net charge-offs (x) | 17.5647% | 1,264 |
| Efficiency ratio | 27.2928% | 7,305 |
| Assets per employee ($millions) | 4.6039% | 2,748 |
| Cash dividends to net income (ytd only)* | 14.7712% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 2,523 |
| Loan loss allowance to noncurrent loans | 44.6417% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 5.1101% | 1,033 |
| Noncurrent loans to loans | 4.2875% | 1,422 |
| Net loans and leases to total assets | 63.3839% | 3,314 |
| Net loans and leases to deposits | 72.5068% | 3,731 |
| Net loans and leases to core deposits | 83.2748% | 2,986 |
| Total domestic deposits to total assets | 87.4179% | 2,518 |
| Equity capital to assets | 10.6767% | 3,330 |
| Core capital (leverage) ratio | 11.3529% | 2,002 |
| Tier 1 risk-based capital ratio | 15.3082% | 3,449 |
| Total risk-based capital ratio | 16.5656% | 3,400 |
| Memoranda: | ||
| Average total assets | $335,964,400 | 1,925 |
| Average earning assets | $277,680,000 | 2,115 |
| Average equity | $41,486,200 | 1,618 |
| Average total loans | $239,232,400 | 1,749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1798% | 339 |
| Cost of funding earning assets | 1.2704% | 1,859 |
| Net interest margin | 4.9094% | 500 |
| Noninterest income to average assets | 3.7504% | 165 |
| Noninterest expense to average assets | 3.1020% | 3,154 |
| Loan and lease loss provision to assets | 0.5012% | 1,976 |
| Net operating income to assets | 2.6952% | 114 |
| Return on assets (ROA) | 2.6952% | 118 |
| Pretax return on assets | 4.2458% | 76 |
| Return on Equity (ROE) | 20.6802% | 270 |
| Retained earnings to average equity (ytd only) | 16.8346% | 150 |
| Net charge-offs to loans | 0.1598% | 4,500 |
| Credit loss provision to net charge-offs | 424.2424% | 665 |
| Earnings coverage of net charge-offs (x) | 40.1820% | 767 |
| Efficiency ratio | 39.5211% | 7,270 |
| Assets per employee ($millions) | 4.2139% | 3,418 |
| Cash dividends to net income (ytd only)* | 18.5954% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4713% | 1,435 |
| Loan loss allowance to noncurrent loans | 180.0620% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 3,937 |
| Noncurrent loans to loans | 1.3725% | 4,235 |
| Net loans and leases to total assets | 72.5109% | 1,610 |
| Net loans and leases to deposits | 84.4199% | 1,932 |
| Net loans and leases to core deposits | 105.0107% | 921 |
| Total domestic deposits to total assets | 85.8931% | 3,270 |
| Equity capital to assets | 13.6224% | 1,316 |
| Core capital (leverage) ratio | 14.0296% | 895 |
| Tier 1 risk-based capital ratio | 15.6712% | 3,296 |
| Total risk-based capital ratio | 16.9329% | 3,248 |
| Memoranda: | ||
| Average total assets | $297,951,000 | 2,152 |
| Average earning assets | $248,739,000 | 2,329 |
| Average equity | $38,831,750 | 1,739 |
| Average total loans | $220,200,250 | 1,884 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1069% | 376 |
| Cost of funding earning assets | 1.3057% | 1,910 |
| Net interest margin | 4.8011% | 602 |
| Noninterest income to average assets | 3.7654% | 182 |
| Noninterest expense to average assets | 3.0776% | 3,341 |
| Loan and lease loss provision to assets | 0.5378% | 1,815 |
| Net operating income to assets | 2.6542% | 135 |
| Return on assets (ROA) | 2.6542% | 142 |
| Pretax return on assets | 4.1580% | 91 |
| Return on Equity (ROE) | 20.7029% | 275 |
| Retained earnings to average equity (ytd only) | 17.8706% | 142 |
| Net charge-offs to loans | 0.2165% | 3,835 |
| Credit loss provision to net charge-offs | 336.9099% | 904 |
| Earnings coverage of net charge-offs (x) | 29.4163% | 935 |
| Efficiency ratio | 39.5910% | 7,343 |
| Assets per employee ($millions) | 3.9934% | 3,768 |
| Cash dividends to net income (ytd only)* | 13.6809% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4904% | 1,460 |
| Loan loss allowance to noncurrent loans | 166.9600% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 2.0784% | 3,144 |
| Noncurrent loans to loans | 1.4916% | 4,185 |
| Net loans and leases to total assets | 72.9145% | 1,610 |
| Net loans and leases to deposits | 84.4811% | 2,036 |
| Net loans and leases to core deposits | 107.0260% | 864 |
| Total domestic deposits to total assets | 86.3087% | 3,150 |
| Equity capital to assets | 13.2527% | 1,407 |
| Core capital (leverage) ratio | 12.7622% | 1,266 |
| Tier 1 risk-based capital ratio | 14.8863% | 3,561 |
| Total risk-based capital ratio | 16.1478% | 3,524 |
| Memoranda: | ||
| Average total assets | $291,919,670 | 2,203 |
| Average earning assets | $243,692,000 | 2,381 |
| Average equity | $37,424,670 | 1,792 |
| Average total loans | $215,275,670 | 1,944 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8802% | 623 |
| Cost of funding earning assets | 1.3053% | 2,147 |
| Net interest margin | 4.5750% | 908 |
| Noninterest income to average assets | 3.6812% | 179 |
| Noninterest expense to average assets | 2.9477% | 3,866 |
| Loan and lease loss provision to assets | 0.5515% | 1,566 |
| Net operating income to assets | 2.4927% | 177 |
| Return on assets (ROA) | 2.4927% | 183 |
| Pretax return on assets | 4.0093% | 103 |
| Return on Equity (ROE) | 19.7836% | 341 |
| Retained earnings to average equity (ytd only) | 16.8730% | 287 |
| Net charge-offs to loans | 0.6666% | 1,874 |
| Credit loss provision to net charge-offs | 112.9944% | 2,377 |
| Earnings coverage of net charge-offs (x) | 9.3446% | 1,731 |
| Efficiency ratio | 39.2582% | 7,406 |
| Assets per employee ($millions) | 4.3737% | 3,085 |
| Cash dividends to net income (ytd only)* | 14.7124% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3464% | 1,689 |
| Loan loss allowance to noncurrent loans | 131.5692% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7907% | 3,587 |
| Noncurrent loans to loans | 1.7834% | 3,845 |
| Net loans and leases to total assets | 68.9129% | 2,346 |
| Net loans and leases to deposits | 79.8256% | 2,748 |
| Net loans and leases to core deposits | 98.0935% | 1,516 |
| Total domestic deposits to total assets | 86.3293% | 3,324 |
| Equity capital to assets | 12.3678% | 1,704 |
| Core capital (leverage) ratio | 12.7304% | 1,226 |
| Tier 1 risk-based capital ratio | 14.7440% | 3,583 |
| Total risk-based capital ratio | 16.0038% | 3,537 |
| Memoranda: | ||
| Average total assets | $290,125,000 | 2,226 |
| Average earning assets | $242,711,000 | 2,422 |
| Average equity | $36,555,500 | 1,815 |
| Average total loans | $212,427,500 | 1,992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1442% | 121 |
| Cost of funding earning assets | 1.4846% | 2,736 |
| Net interest margin | 5.6596% | 135 |
| Noninterest income to average assets | 1.4195% | 720 |
| Noninterest expense to average assets | 3.2435% | 2,943 |
| Loan and lease loss provision to assets | 0.7505% | 2,186 |
| Net operating income to assets | 1.5204% | 730 |
| Return on assets (ROA) | 1.5209% | 794 |
| Pretax return on assets | 2.3868% | 218 |
| Return on Equity (ROE) | 12.1438% | 1,288 |
| Retained earnings to average equity (ytd only) | 9.0990% | 677 |
| Net charge-offs to loans | 0.0471% | 6,329 |
| Credit loss provision to net charge-offs | 2,196.7742% | 103 |
| Earnings coverage of net charge-offs (x) | 91.8065% | 260 |
| Efficiency ratio | 50.8378% | 7,070 |
| Assets per employee ($millions) | 4.2192% | 3,351 |
| Cash dividends to net income (ytd only)* | 25.0725% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3366% | 1,635 |
| Loan loss allowance to noncurrent loans | 457.5786% | 698 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 4,961 |
| Noncurrent loans to loans | 0.5106% | 6,015 |
| Net loans and leases to total assets | 74.3139% | 1,596 |
| Net loans and leases to deposits | 86.4053% | 2,023 |
| Net loans and leases to core deposits | 106.3686% | 1,165 |
| Total domestic deposits to total assets | 86.0062% | 3,355 |
| Equity capital to assets | 12.8515% | 1,464 |
| Core capital (leverage) ratio | 12.5115% | 1,312 |
| Tier 1 risk-based capital ratio | 14.5276% | 3,525 |
| Total risk-based capital ratio | 15.7882% | 3,481 |
| Memoranda: | ||
| Average total assets | $272,205,400 | 2,345 |
| Average earning assets | $238,585,000 | 2,442 |
| Average equity | $34,091,600 | 1,941 |
| Average total loans | $197,660,200 | 2,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7129% | 236 |
| Cost of funding earning assets | 1.4937% | 3,020 |
| Net interest margin | 5.2192% | 280 |
| Noninterest income to average assets | 0.5050% | 4,141 |
| Noninterest expense to average assets | 2.9367% | 3,957 |
| Loan and lease loss provision to assets | 0.3375% | 3,906 |
| Net operating income to assets | 1.2443% | 1,478 |
| Return on assets (ROA) | 1.2449% | 1,560 |
| Pretax return on assets | 1.8657% | 818 |
| Return on Equity (ROE) | 10.0074% | 2,119 |
| Retained earnings to average equity (ytd only) | 6.9461% | 1,886 |
| Net charge-offs to loans | -0.0117% | 7,287 |
| Credit loss provision to net charge-offs | -4,029.4118% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1470% | 6,397 |
| Assets per employee ($millions) | 4.6036% | 2,741 |
| Cash dividends to net income (ytd only)* | 30.5896% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 3,062 |
| Loan loss allowance to noncurrent loans | 333.6036% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 5,098 |
| Noncurrent loans to loans | 0.5187% | 6,159 |
| Net loans and leases to total assets | 76.1303% | 1,386 |
| Net loans and leases to deposits | 88.9955% | 1,859 |
| Net loans and leases to core deposits | 109.5383% | 1,061 |
| Total domestic deposits to total assets | 85.5439% | 3,325 |
| Equity capital to assets | 12.5253% | 1,841 |
| Core capital (leverage) ratio | 12.3626% | 1,474 |
| Tier 1 risk-based capital ratio | 14.6112% | 3,456 |
| Total risk-based capital ratio | 15.8660% | 3,422 |
| Memoranda: | ||
| Average total assets | $270,640,250 | 2,385 |
| Average earning assets | $240,286,000 | 2,456 |
| Average equity | $33,667,750 | 1,985 |
| Average total loans | $194,102,750 | 2,248 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5649% | 307 |
| Cost of funding earning assets | 1.5107% | 3,198 |
| Net interest margin | 5.0542% | 374 |
| Noninterest income to average assets | 0.4829% | 4,254 |
| Noninterest expense to average assets | 2.7584% | 4,667 |
| Loan and lease loss provision to assets | 0.4316% | 3,158 |
| Net operating income to assets | 1.1762% | 1,621 |
| Return on assets (ROA) | 1.1772% | 1,684 |
| Pretax return on assets | 1.7829% | 919 |
| Return on Equity (ROE) | 9.4850% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.4392% | 2,106 |
| Net charge-offs to loans | -0.1643% | 7,618 |
| Credit loss provision to net charge-offs | -376.6234% | 6,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4857% | 6,705 |
| Assets per employee ($millions) | 4.5150% | 2,853 |
| Cash dividends to net income (ytd only)* | 32.1113% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 2,465 |
| Loan loss allowance to noncurrent loans | 645.0777% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 5,749 |
| Noncurrent loans to loans | 0.2917% | 6,647 |
| Net loans and leases to total assets | 71.8808% | 2,433 |
| Net loans and leases to deposits | 84.1537% | 2,848 |
| Net loans and leases to core deposits | 104.5212% | 1,583 |
| Total domestic deposits to total assets | 85.4160% | 3,409 |
| Equity capital to assets | 12.4987% | 1,804 |
| Core capital (leverage) ratio | 12.4070% | 1,443 |
| Tier 1 risk-based capital ratio | 15.3539% | 2,976 |
| Total risk-based capital ratio | 16.6105% | 2,939 |
| Memoranda: | ||
| Average total assets | $268,781,670 | 2,431 |
| Average earning assets | $238,693,670 | 2,493 |
| Average equity | $33,358,000 | 1,998 |
| Average total loans | $187,474,670 | 2,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8641% | 206 |
| Cost of funding earning assets | 1.4945% | 3,597 |
| Net interest margin | 5.3696% | 221 |
| Noninterest income to average assets | 0.4318% | 4,650 |
| Noninterest expense to average assets | 2.5952% | 5,378 |
| Loan and lease loss provision to assets | 0.7321% | 1,736 |
| Net operating income to assets | 1.2471% | 1,409 |
| Return on assets (ROA) | 1.2491% | 1,479 |
| Pretax return on assets | 1.8691% | 777 |
| Return on Equity (ROE) | 10.1004% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.1525% | 2,068 |
| Net charge-offs to loans | -0.4374% | 7,786 |
| Credit loss provision to net charge-offs | -246.2312% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9712% | 7,318 |
| Assets per employee ($millions) | 4.7638% | 2,553 |
| Cash dividends to net income (ytd only)* | 29.1866% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 2,254 |
| Loan loss allowance to noncurrent loans | 394.2308% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 5,578 |
| Noncurrent loans to loans | 0.5008% | 6,294 |
| Net loans and leases to total assets | 66.3075% | 3,785 |
| Net loans and leases to deposits | 78.4720% | 3,949 |
| Net loans and leases to core deposits | 97.5559% | 2,392 |
| Total domestic deposits to total assets | 84.4983% | 3,896 |
| Equity capital to assets | 12.0902% | 1,994 |
| Core capital (leverage) ratio | 12.5783% | 1,379 |
| Tier 1 risk-based capital ratio | 15.7358% | 2,760 |
| Total risk-based capital ratio | 16.9926% | 2,704 |
| Memoranda: | ||
| Average total assets | $267,722,500 | 2,497 |
| Average earning assets | $237,409,000 | 2,560 |
| Average equity | $33,107,500 | 2,027 |
| Average total loans | $181,982,000 | 2,466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1292% | 1,439 |
| Cost of funding earning assets | 1.9729% | 3,089 |
| Net interest margin | 4.1563% | 2,220 |
| Noninterest income to average assets | 0.7632% | 2,599 |
| Noninterest expense to average assets | 3.0542% | 3,929 |
| Loan and lease loss provision to assets | 0.2672% | 5,275 |
| Net operating income to assets | 0.8274% | 2,424 |
| Return on assets (ROA) | 0.8257% | 2,520 |
| Pretax return on assets | 1.2851% | 1,737 |
| Return on Equity (ROE) | 6.6821% | 2,916 |
| Retained earnings to average equity (ytd only) | 3.9339% | 2,455 |
| Net charge-offs to loans | 0.3577% | 4,438 |
| Credit loss provision to net charge-offs | 109.7345% | 5,016 |
| Earnings coverage of net charge-offs (x) | 6.3858% | 2,377 |
| Efficiency ratio | 66.2646% | 5,344 |
| Assets per employee ($millions) | 4.5464% | 2,841 |
| Cash dividends to net income (ytd only)* | 41.1273% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,905 |
| Loan loss allowance to noncurrent loans | 386.2291% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 6,030 |
| Noncurrent loans to loans | 0.4388% | 6,391 |
| Net loans and leases to total assets | 67.1691% | 3,883 |
| Net loans and leases to deposits | 80.2932% | 3,935 |
| Net loans and leases to core deposits | 122.8273% | 1,725 |
| Total domestic deposits to total assets | 83.6548% | 4,203 |
| Equity capital to assets | 12.6608% | 1,666 |
| Core capital (leverage) ratio | 12.6554% | 1,371 |
| Tier 1 risk-based capital ratio | 16.1865% | 2,440 |
| Total risk-based capital ratio | 17.4403% | 2,374 |
| Memoranda: | ||
| Average total assets | $232,043,600 | 2,799 |
| Average earning assets | $214,710,800 | 2,770 |
| Average equity | $28,673,800 | 2,321 |
| Average total loans | $157,970,200 | 2,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1858% | 1,410 |
| Cost of funding earning assets | 2.0824% | 2,972 |
| Net interest margin | 4.1035% | 2,380 |
| Noninterest income to average assets | 0.8369% | 2,253 |
| Noninterest expense to average assets | 3.0505% | 3,840 |
| Loan and lease loss provision to assets | 0.2012% | 5,377 |
| Net operating income to assets | 0.9894% | 2,098 |
| Return on assets (ROA) | 0.9890% | 2,159 |
| Pretax return on assets | 1.4300% | 1,623 |
| Return on Equity (ROE) | 8.0606% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.3159% | 2,305 |
| Net charge-offs to loans | 0.0035% | 6,937 |
| Credit loss provision to net charge-offs | 8,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 689.6642% | 36 |
| Efficiency ratio | 65.1498% | 5,523 |
| Assets per employee ($millions) | 4.3872% | 3,059 |
| Cash dividends to net income (ytd only)* | 34.0516% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 1,802 |
| Loan loss allowance to noncurrent loans | 425.6809% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 6,178 |
| Noncurrent loans to loans | 0.4699% | 6,381 |
| Net loans and leases to total assets | 64.3004% | 4,796 |
| Net loans and leases to deposits | 76.1420% | 5,012 |
| Net loans and leases to core deposits | 120.0884% | 2,235 |
| Total domestic deposits to total assets | 84.4480% | 3,506 |
| Equity capital to assets | 11.3172% | 2,732 |
| Core capital (leverage) ratio | 11.5813% | 2,023 |
| Tier 1 risk-based capital ratio | 14.7233% | 3,174 |
| Total risk-based capital ratio | 15.9802% | 3,115 |
| Memoranda: | ||
| Average total assets | $225,268,000 | 2,892 |
| Average earning assets | $211,101,000 | 2,839 |
| Average equity | $27,639,750 | 2,420 |
| Average total loans | $153,196,000 | 2,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4707% | 872 |
| Cost of funding earning assets | 2.2408% | 2,619 |
| Net interest margin | 4.2299% | 1,878 |
| Noninterest income to average assets | 1.0350% | 1,484 |
| Noninterest expense to average assets | 3.2452% | 3,169 |
| Loan and lease loss provision to assets | 0.2857% | 4,293 |
| Net operating income to assets | 1.0037% | 2,092 |
| Return on assets (ROA) | 1.0037% | 2,189 |
| Pretax return on assets | 1.4535% | 1,582 |
| Return on Equity (ROE) | 7.9433% | 2,799 |
| Retained earnings to average equity (ytd only) | 5.2153% | 2,390 |
| Net charge-offs to loans | 0.0174% | 6,280 |
| Credit loss provision to net charge-offs | 2,384.6154% | 225 |
| Earnings coverage of net charge-offs (x) | 145.1538% | 278 |
| Efficiency ratio | 65.1072% | 5,696 |
| Assets per employee ($millions) | 4.7858% | 2,346 |
| Cash dividends to net income (ytd only)* | 34.3434% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 1,410 |
| Loan loss allowance to noncurrent loans | 5,791.0714% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 7,164 |
| Noncurrent loans to loans | 0.0361% | 7,449 |
| Net loans and leases to total assets | 61.0000% | 5,521 |
| Net loans and leases to deposits | 72.1773% | 5,714 |
| Net loans and leases to core deposits | 113.2618% | 2,992 |
| Total domestic deposits to total assets | 84.5140% | 3,497 |
| Equity capital to assets | 11.1390% | 2,802 |
| Core capital (leverage) ratio | 12.0646% | 1,807 |
| Tier 1 risk-based capital ratio | 15.2427% | 2,913 |
| Total risk-based capital ratio | 16.5006% | 2,838 |
| Memoranda: | ||
| Average total assets | $217,000,670 | 3,018 |
| Average earning assets | $202,605,000 | 2,971 |
| Average equity | $27,419,330 | 2,440 |
| Average total loans | $149,568,670 | 2,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9603% | 372 |
| Cost of funding earning assets | 2.3109% | 2,651 |
| Net interest margin | 4.6493% | 869 |
| Noninterest income to average assets | 0.6903% | 2,946 |
| Noninterest expense to average assets | 3.4257% | 2,290 |
| Loan and lease loss provision to assets | 0.0597% | 6,210 |
| Net operating income to assets | 1.1061% | 1,944 |
| Return on assets (ROA) | 1.1061% | 2,069 |
| Pretax return on assets | 1.5835% | 1,448 |
| Return on Equity (ROE) | 8.1559% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.7062% | 2,777 |
| Net charge-offs to loans | 0.4059% | 2,480 |
| Credit loss provision to net charge-offs | 20.1342% | 5,072 |
| Earnings coverage of net charge-offs (x) | 5.5436% | 2,653 |
| Efficiency ratio | 67.5824% | 5,041 |
| Assets per employee ($millions) | 4.0912% | 3,473 |
| Cash dividends to net income (ytd only)* | 30.0360% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 1,484 |
| Loan loss allowance to noncurrent loans | 2,125.5639% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 6,810 |
| Noncurrent loans to loans | 0.0926% | 7,259 |
| Net loans and leases to total assets | 70.2696% | 3,615 |
| Net loans and leases to deposits | 85.1176% | 3,792 |
| Net loans and leases to core deposits | 129.3970% | 1,700 |
| Total domestic deposits to total assets | 82.5558% | 4,351 |
| Equity capital to assets | 13.6984% | 1,467 |
| Core capital (leverage) ratio | 13.5777% | 1,307 |
| Tier 1 risk-based capital ratio | 16.8139% | 2,397 |
| Total risk-based capital ratio | 18.0712% | 2,329 |
| Memoranda: | ||
| Average total assets | $201,069,000 | 3,226 |
| Average earning assets | $189,360,000 | 3,162 |
| Average equity | $27,268,500 | 2,470 |
| Average total loans | $146,828,000 | 3,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2191% | 707 |
| Cost of funding earning assets | 2.6781% | 3,273 |
| Net interest margin | 4.5411% | 1,332 |
| Noninterest income to average assets | 0.6336% | 3,607 |
| Noninterest expense to average assets | 2.9128% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3971% | 1,240 |
| Return on assets (ROA) | 1.3938% | 1,193 |
| Pretax return on assets | 1.9834% | 631 |
| Return on Equity (ROE) | 12.2057% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.3977% | 538 |
| Net charge-offs to loans | -0.4442% | 8,210 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4344% | 6,451 |
| Assets per employee ($millions) | 4.2015% | 3,114 |
| Cash dividends to net income (ytd only)* | 23.0056% | 4,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 1,296 |
| Loan loss allowance to noncurrent loans | 5,168.4211% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 6,783 |
| Noncurrent loans to loans | 0.0380% | 7,354 |
| Net loans and leases to total assets | 72.8988% | 3,384 |
| Net loans and leases to deposits | 88.2989% | 3,757 |
| Net loans and leases to core deposits | 131.5936% | 1,754 |
| Total domestic deposits to total assets | 82.5591% | 3,973 |
| Equity capital to assets | 13.4259% | 1,620 |
| Core capital (leverage) ratio | 13.4629% | 1,400 |
| Tier 1 risk-based capital ratio | 16.1169% | 2,619 |
| Total risk-based capital ratio | 17.3740% | 2,552 |
| Memoranda: | ||
| Average total assets | $193,353,000 | 3,220 |
| Average earning assets | $181,698,000 | 3,164 |
| Average equity | $22,079,800 | 2,962 |
| Average total loans | $137,988,600 | 3,130 |