Home > Cedar Rapids Bank and Trust Company > Performance and Condition Ratios
Cedar Rapids Bank and Trust Company, 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 | 5.4449% | 1,240 |
| Cost of funding earning assets | 2.0498% | 848 |
| Net interest margin | 3.3950% | 2,413 |
| Noninterest income to average assets | 3.9500% | 150 |
| Noninterest expense to average assets | 3.0530% | 1,035 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 3.0770% | 148 |
| Return on assets (ROA) | 3.0683% | 147 |
| Pretax return on assets | 3.6558% | 136 |
| Return on Equity (ROE) | 23.1200% | 396 |
| Retained earnings to average equity (ytd only) | 23.1212% | 91 |
| Net charge-offs to loans | 0.0371% | 1,565 |
| Credit loss provision to net charge-offs | 132.0574% | 1,579 |
| Earnings coverage of net charge-offs (x) | 141.3349% | 743 |
| Efficiency ratio | 44.6201% | 4,237 |
| Assets per employee ($millions) | 13.6134% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,419 |
| Loan loss allowance to noncurrent loans | 216.5091% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 1,274 |
| Noncurrent loans to loans | 0.6416% | 1,226 |
| Net loans and leases to total assets | 66.8600% | 2,163 |
| Net loans and leases to deposits | 95.7872% | 804 |
| Net loans and leases to core deposits | 122.1072% | 569 |
| Total domestic deposits to total assets | 69.8000% | 4,295 |
| Equity capital to assets | 14.1045% | 664 |
| Core capital (leverage) ratio | 14.7749% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5969% | 1,372 |
| Memoranda: | ||
| Average total assets | $2,358,871,000 | 494 |
| Average earning assets | $1,985,598,200 | 524 |
| Average equity | $313,037,800 | 385 |
| Average total loans | $1,691,990,800 | 469 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 1,182 |
| Cost of funding earning assets | 1.9569% | 767 |
| Net interest margin | 3.4133% | 2,422 |
| Noninterest income to average assets | 3.3900% | 178 |
| Noninterest expense to average assets | 2.8114% | 1,409 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 2.8195% | 202 |
| Return on assets (ROA) | 2.8089% | 201 |
| Pretax return on assets | 3.3033% | 186 |
| Return on Equity (ROE) | 21.5300% | 596 |
| Retained earnings to average equity (ytd only) | 21.5310% | 212 |
| Net charge-offs to loans | 0.0489% | 1,191 |
| Credit loss provision to net charge-offs | 303.2258% | 885 |
| Earnings coverage of net charge-offs (x) | 97.1823% | 929 |
| Efficiency ratio | 44.5826% | 4,204 |
| Assets per employee ($millions) | 13.5195% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,429 |
| Loan loss allowance to noncurrent loans | 204.8587% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 1,182 |
| Noncurrent loans to loans | 0.6853% | 1,205 |
| Net loans and leases to total assets | 70.5500% | 1,764 |
| Net loans and leases to deposits | 100.2031% | 503 |
| Net loans and leases to core deposits | 107.2608% | 965 |
| Total domestic deposits to total assets | 70.4100% | 4,314 |
| Equity capital to assets | 13.1706% | 781 |
| Core capital (leverage) ratio | 14.6003% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0318% | 1,094 |
| Memoranda: | ||
| Average total assets | $2,322,371,750 | 504 |
| Average earning assets | $1,962,996,500 | 532 |
| Average equity | $302,972,500 | 396 |
| Average total loans | $1,690,376,750 | 466 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 1,206 |
| Cost of funding earning assets | 1.7858% | 758 |
| Net interest margin | 3.4208% | 2,472 |
| Noninterest income to average assets | 3.8500% | 150 |
| Noninterest expense to average assets | 2.8615% | 1,303 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 3.1510% | 137 |
| Return on assets (ROA) | 3.1350% | 137 |
| Pretax return on assets | 3.7194% | 127 |
| Return on Equity (ROE) | 24.1100% | 421 |
| Retained earnings to average equity (ytd only) | 24.1132% | 136 |
| Net charge-offs to loans | 0.0768% | 812 |
| Credit loss provision to net charge-offs | 270.6708% | 912 |
| Earnings coverage of net charge-offs (x) | 69.6240% | 1,118 |
| Efficiency ratio | 41.9352% | 4,341 |
| Assets per employee ($millions) | 12.9974% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,515 |
| Loan loss allowance to noncurrent loans | 205.8574% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,118 |
| Noncurrent loans to loans | 0.6826% | 1,099 |
| Net loans and leases to total assets | 70.1100% | 1,730 |
| Net loans and leases to deposits | 95.0964% | 780 |
| Net loans and leases to core deposits | 109.4181% | 852 |
| Total domestic deposits to total assets | 73.7200% | 4,213 |
| Equity capital to assets | 12.9349% | 825 |
| Core capital (leverage) ratio | 14.5781% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6768% | 1,175 |
| Memoranda: | ||
| Average total assets | $2,280,821,000 | 496 |
| Average earning assets | $1,952,805,333 | 524 |
| Average equity | $296,534,333 | 389 |
| Average total loans | $1,670,173,667 | 456 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 1,001 |
| Cost of funding earning assets | 1.5377% | 783 |
| Net interest margin | 3.6264% | 2,067 |
| Noninterest income to average assets | 3.4300% | 161 |
| Noninterest expense to average assets | 2.8258% | 1,384 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 3.0034% | 155 |
| Return on assets (ROA) | 2.9739% | 155 |
| Pretax return on assets | 3.4077% | 153 |
| Return on Equity (ROE) | 22.8100% | 519 |
| Retained earnings to average equity (ytd only) | 22.8101% | 251 |
| Net charge-offs to loans | 0.1557% | 445 |
| Credit loss provision to net charge-offs | 211.2676% | 805 |
| Earnings coverage of net charge-offs (x) | 32.0751% | 1,273 |
| Efficiency ratio | 42.8686% | 4,347 |
| Assets per employee ($millions) | 12.4507% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,254 |
| Loan loss allowance to noncurrent loans | 208.3814% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 984 |
| Noncurrent loans to loans | 0.7200% | 1,050 |
| Net loans and leases to total assets | 71.9600% | 1,431 |
| Net loans and leases to deposits | 96.9666% | 604 |
| Net loans and leases to core deposits | 119.2417% | 456 |
| Total domestic deposits to total assets | 74.2100% | 4,277 |
| Equity capital to assets | 13.2704% | 699 |
| Core capital (leverage) ratio | 13.9511% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2389% | 1,321 |
| Memoranda: | ||
| Average total assets | $2,205,972,500 | 514 |
| Average earning assets | $1,894,788,000 | 548 |
| Average equity | $287,609,000 | 407 |
| Average total loans | $1,641,120,500 | 474 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 1,082 |
| Cost of funding earning assets | 0.5691% | 1,024 |
| Net interest margin | 3.7143% | 1,346 |
| Noninterest income to average assets | 2.5600% | 198 |
| Noninterest expense to average assets | 2.6346% | 1,713 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 2.6212% | 134 |
| Return on assets (ROA) | 2.6214% | 131 |
| Pretax return on assets | 3.1686% | 118 |
| Return on Equity (ROE) | 20.3300% | 447 |
| Retained earnings to average equity (ytd only) | 10.4630% | 1,016 |
| Net charge-offs to loans | -0.0042% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.3665% | 4,378 |
| Assets per employee ($millions) | 12.3342% | 356 |
| Cash dividends to net income (ytd only)* | 48.5292% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,239 |
| Loan loss allowance to noncurrent loans | 24,701.0101% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,780 |
| Noncurrent loans to loans | 0.0060% | 3,827 |
| Net loans and leases to total assets | 74.6500% | 1,163 |
| Net loans and leases to deposits | 96.0624% | 633 |
| Net loans and leases to core deposits | 103.4892% | 839 |
| Total domestic deposits to total assets | 77.7100% | 4,119 |
| Equity capital to assets | 12.7975% | 743 |
| Core capital (leverage) ratio | 13.1731% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8357% | 1,679 |
| Memoranda: | ||
| Average total assets | $2,043,804,200 | 538 |
| Average earning assets | $1,760,539,000 | 574 |
| Average equity | $263,557,000 | 426 |
| Average total loans | $1,535,393,800 | 466 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 1,251 |
| Cost of funding earning assets | 0.4278% | 1,111 |
| Net interest margin | 3.5812% | 1,435 |
| Noninterest income to average assets | 2.5600% | 206 |
| Noninterest expense to average assets | 2.6007% | 1,710 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 2.5797% | 143 |
| Return on assets (ROA) | 2.5752% | 141 |
| Pretax return on assets | 3.1039% | 124 |
| Return on Equity (ROE) | 19.9300% | 440 |
| Retained earnings to average equity (ytd only) | 6.5954% | 2,519 |
| Net charge-offs to loans | -0.0103% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.6448% | 4,398 |
| Assets per employee ($millions) | 11.9697% | 386 |
| Cash dividends to net income (ytd only)* | 66.9051% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,194 |
| Loan loss allowance to noncurrent loans | 1,272.6035% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,015 |
| Noncurrent loans to loans | 0.1209% | 3,040 |
| Net loans and leases to total assets | 74.2400% | 1,073 |
| Net loans and leases to deposits | 95.5717% | 573 |
| Net loans and leases to core deposits | 105.2835% | 606 |
| Total domestic deposits to total assets | 77.6800% | 4,281 |
| Equity capital to assets | 12.4178% | 794 |
| Core capital (leverage) ratio | 13.1989% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8047% | 1,765 |
| Memoranda: | ||
| Average total assets | $2,012,051,750 | 546 |
| Average earning assets | $1,734,110,250 | 578 |
| Average equity | $259,993,500 | 435 |
| Average total loans | $1,507,995,000 | 470 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 1,487 |
| Cost of funding earning assets | 0.2908% | 1,799 |
| Net interest margin | 3.4318% | 1,509 |
| Noninterest income to average assets | 2.5282% | 184 |
| Noninterest expense to average assets | 2.6177% | 1,587 |
| Loan and lease loss provision to assets | -0.0943% | 4,586 |
| Net operating income to assets | 2.4632% | 117 |
| Return on assets (ROA) | 2.4575% | 118 |
| Pretax return on assets | 2.9626% | 101 |
| Return on Equity (ROE) | 18.7611% | 401 |
| Retained earnings to average equity (ytd only) | -1.2425% | 4,315 |
| Net charge-offs to loans | -0.0177% | 3,815 |
| Credit loss provision to net charge-offs | 561.8321% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2185% | 4,388 |
| Assets per employee ($millions) | 11.2722% | 459 |
| Cash dividends to net income (ytd only)* | 106.6229% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,191 |
| Loan loss allowance to noncurrent loans | 535.3006% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 2,174 |
| Noncurrent loans to loans | 0.2956% | 2,281 |
| Net loans and leases to total assets | 76.2093% | 708 |
| Net loans and leases to deposits | 101.5345% | 226 |
| Net loans and leases to core deposits | 112.5843% | 307 |
| Total domestic deposits to total assets | 75.0576% | 4,504 |
| Equity capital to assets | 12.7848% | 703 |
| Core capital (leverage) ratio | 12.9918% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3933% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,984,504,667 | 549 |
| Average earning assets | $1,714,314,333 | 584 |
| Average equity | $259,953,000 | 433 |
| Average total loans | $1,484,180,667 | 474 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 1,515 |
| Cost of funding earning assets | 0.2169% | 2,567 |
| Net interest margin | 3.3796% | 1,354 |
| Noninterest income to average assets | 2.0312% | 235 |
| Noninterest expense to average assets | 2.3672% | 2,277 |
| Loan and lease loss provision to assets | -0.1552% | 4,652 |
| Net operating income to assets | 2.2596% | 153 |
| Return on assets (ROA) | 2.2428% | 154 |
| Pretax return on assets | 2.6856% | 138 |
| Return on Equity (ROE) | 16.9191% | 433 |
| Retained earnings to average equity (ytd only) | -13.4863% | 4,624 |
| Net charge-offs to loans | -0.0343% | 4,136 |
| Credit loss provision to net charge-offs | 1,016.8000% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6497% | 4,420 |
| Assets per employee ($millions) | 11.5174% | 447 |
| Cash dividends to net income (ytd only)* | 179.7107% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,252 |
| Loan loss allowance to noncurrent loans | 9,106.1303% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,930 |
| Noncurrent loans to loans | 0.0177% | 3,872 |
| Net loans and leases to total assets | 74.7388% | 596 |
| Net loans and leases to deposits | 104.0607% | 115 |
| Net loans and leases to core deposits | 109.7570% | 266 |
| Total domestic deposits to total assets | 71.8223% | 4,631 |
| Equity capital to assets | 13.0296% | 684 |
| Core capital (leverage) ratio | 12.3639% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1770% | 2,126 |
| Memoranda: | ||
| Average total assets | $1,984,807,500 | 553 |
| Average earning assets | $1,695,105,500 | 589 |
| Average equity | $263,111,000 | 435 |
| Average total loans | $1,458,159,000 | 479 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 2,083 |
| Cost of funding earning assets | 0.2270% | 3,176 |
| Net interest margin | 3.4838% | 1,788 |
| Noninterest income to average assets | 3.5294% | 157 |
| Noninterest expense to average assets | 2.8812% | 1,193 |
| Loan and lease loss provision to assets | -0.0358% | 4,298 |
| Net operating income to assets | 2.8509% | 112 |
| Return on assets (ROA) | 2.8470% | 114 |
| Pretax return on assets | 3.6258% | 95 |
| Return on Equity (ROE) | 22.7707% | 187 |
| Retained earnings to average equity (ytd only) | 22.7707% | 35 |
| Net charge-offs to loans | 0.1091% | 808 |
| Credit loss provision to net charge-offs | 30.7844% | 2,231 |
| Earnings coverage of net charge-offs (x) | 46.1226% | 1,349 |
| Efficiency ratio | 44.1029% | 4,572 |
| Assets per employee ($millions) | 12.0427% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 977 |
| Loan loss allowance to noncurrent loans | 8,531.8493% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,992 |
| Noncurrent loans to loans | 0.0203% | 3,925 |
| Net loans and leases to total assets | 69.8354% | 1,061 |
| Net loans and leases to deposits | 93.8805% | 387 |
| Net loans and leases to core deposits | 100.2366% | 526 |
| Total domestic deposits to total assets | 74.3876% | 4,573 |
| Equity capital to assets | 13.4743% | 771 |
| Core capital (leverage) ratio | 12.5917% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8494% | 1,909 |
| Memoranda: | ||
| Average total assets | $1,946,281,200 | 547 |
| Average earning assets | $1,646,271,200 | 586 |
| Average equity | $243,343,200 | 457 |
| Average total loans | $1,390,512,200 | 492 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 2,328 |
| Cost of funding earning assets | 0.2260% | 3,364 |
| Net interest margin | 3.4562% | 1,991 |
| Noninterest income to average assets | 3.7369% | 153 |
| Noninterest expense to average assets | 2.9076% | 1,118 |
| Loan and lease loss provision to assets | 0.0526% | 1,938 |
| Net operating income to assets | 2.9298% | 135 |
| Return on assets (ROA) | 2.9246% | 133 |
| Pretax return on assets | 3.7034% | 105 |
| Return on Equity (ROE) | 23.8781% | 210 |
| Retained earnings to average equity (ytd only) | 23.8781% | 60 |
| Net charge-offs to loans | 0.1454% | 563 |
| Credit loss provision to net charge-offs | 109.9734% | 1,518 |
| Earnings coverage of net charge-offs (x) | 36.1582% | 1,430 |
| Efficiency ratio | 43.2120% | 4,616 |
| Assets per employee ($millions) | 12.0779% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 842 |
| Loan loss allowance to noncurrent loans | 631.3588% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,753 |
| Noncurrent loans to loans | 0.2933% | 2,742 |
| Net loans and leases to total assets | 69.0323% | 1,187 |
| Net loans and leases to deposits | 90.6891% | 567 |
| Net loans and leases to core deposits | 96.6260% | 717 |
| Total domestic deposits to total assets | 76.1197% | 4,530 |
| Equity capital to assets | 12.9397% | 997 |
| Core capital (leverage) ratio | 12.2038% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3897% | 2,210 |
| Memoranda: | ||
| Average total assets | $1,927,057,250 | 557 |
| Average earning assets | $1,635,478,750 | 590 |
| Average equity | $236,026,750 | 471 |
| Average total loans | $1,378,688,500 | 504 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 2,482 |
| Cost of funding earning assets | 0.2267% | 3,500 |
| Net interest margin | 3.4191% | 2,083 |
| Noninterest income to average assets | 2.8932% | 201 |
| Noninterest expense to average assets | 2.6728% | 1,657 |
| Loan and lease loss provision to assets | 0.1571% | 745 |
| Net operating income to assets | 2.3788% | 257 |
| Return on assets (ROA) | 2.3714% | 278 |
| Pretax return on assets | 2.9589% | 195 |
| Return on Equity (ROE) | 19.7533% | 474 |
| Retained earnings to average equity (ytd only) | 19.7533% | 165 |
| Net charge-offs to loans | 0.2272% | 384 |
| Credit loss provision to net charge-offs | 106.4350% | 1,329 |
| Earnings coverage of net charge-offs (x) | 19.1165% | 1,550 |
| Efficiency ratio | 45.6571% | 4,533 |
| Assets per employee ($millions) | 11.2357% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 711 |
| Loan loss allowance to noncurrent loans | 619.0736% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 2,329 |
| Noncurrent loans to loans | 0.3095% | 2,817 |
| Net loans and leases to total assets | 70.2607% | 1,164 |
| Net loans and leases to deposits | 95.5873% | 394 |
| Net loans and leases to core deposits | 102.3680% | 583 |
| Total domestic deposits to total assets | 73.5043% | 4,672 |
| Equity capital to assets | 12.6745% | 1,058 |
| Core capital (leverage) ratio | 11.9453% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8551% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,901,100,667 | 556 |
| Average earning assets | $1,615,170,667 | 590 |
| Average equity | $228,225,000 | 479 |
| Average total loans | $1,368,198,000 | 513 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 2,657 |
| Cost of funding earning assets | 0.2371% | 3,588 |
| Net interest margin | 3.3568% | 2,229 |
| Noninterest income to average assets | 3.3205% | 177 |
| Noninterest expense to average assets | 2.7408% | 1,517 |
| Loan and lease loss provision to assets | 0.4593% | 154 |
| Net operating income to assets | 2.3963% | 314 |
| Return on assets (ROA) | 2.3963% | 341 |
| Pretax return on assets | 2.9816% | 236 |
| Return on Equity (ROE) | 20.5330% | 500 |
| Retained earnings to average equity (ytd only) | 20.5330% | 252 |
| Net charge-offs to loans | -0.0329% | 4,214 |
| Credit loss provision to net charge-offs | -1,980.5310% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9228% | 4,582 |
| Assets per employee ($millions) | 11.3936% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 544 |
| Loan loss allowance to noncurrent loans | 356.2854% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 2,108 |
| Noncurrent loans to loans | 0.5749% | 2,131 |
| Net loans and leases to total assets | 73.3582% | 867 |
| Net loans and leases to deposits | 99.3465% | 309 |
| Net loans and leases to core deposits | 105.1100% | 539 |
| Total domestic deposits to total assets | 73.8407% | 4,680 |
| Equity capital to assets | 12.3552% | 1,129 |
| Core capital (leverage) ratio | 11.2673% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5883% | 2,451 |
| Memoranda: | ||
| Average total assets | $1,902,230,500 | 553 |
| Average earning assets | $1,621,324,000 | 588 |
| Average equity | $222,003,500 | 484 |
| Average total loans | $1,372,196,000 | 515 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 2,963 |
| Cost of funding earning assets | 0.5549% | 2,581 |
| Net interest margin | 3.3685% | 2,869 |
| Noninterest income to average assets | 3.3703% | 165 |
| Noninterest expense to average assets | 2.9742% | 1,495 |
| Loan and lease loss provision to assets | 1.0452% | 86 |
| Net operating income to assets | 1.7710% | 415 |
| Return on assets (ROA) | 1.8223% | 398 |
| Pretax return on assets | 2.2564% | 274 |
| Return on Equity (ROE) | 17.0420% | 411 |
| Retained earnings to average equity (ytd only) | 17.0420% | 105 |
| Net charge-offs to loans | 0.0622% | 1,889 |
| Credit loss provision to net charge-offs | 2,417.6617% | 383 |
| Earnings coverage of net charge-offs (x) | 74.9055% | 934 |
| Efficiency ratio | 47.4458% | 4,654 |
| Assets per employee ($millions) | 11.7993% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3498% | 316 |
| Loan loss allowance to noncurrent loans | 398.3694% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 2,358 |
| Noncurrent loans to loans | 0.5898% | 2,225 |
| Net loans and leases to total assets | 67.9051% | 1,839 |
| Net loans and leases to deposits | 96.5125% | 523 |
| Net loans and leases to core deposits | 101.9982% | 815 |
| Total domestic deposits to total assets | 70.3588% | 4,768 |
| Equity capital to assets | 11.0257% | 2,229 |
| Core capital (leverage) ratio | 10.0051% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1385% | 2,573 |
| Memoranda: | ||
| Average total assets | $1,859,748,800 | 510 |
| Average earning assets | $1,569,160,400 | 553 |
| Average equity | $198,861,800 | 508 |
| Average total loans | $1,292,903,200 | 515 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,109 |
| Cost of funding earning assets | 0.5933% | 2,658 |
| Net interest margin | 3.3568% | 3,028 |
| Noninterest income to average assets | 4.0235% | 132 |
| Noninterest expense to average assets | 2.7326% | 2,168 |
| Loan and lease loss provision to assets | 1.3288% | 75 |
| Net operating income to assets | 2.2160% | 201 |
| Return on assets (ROA) | 2.2481% | 203 |
| Pretax return on assets | 2.8423% | 136 |
| Return on Equity (ROE) | 21.2006% | 198 |
| Retained earnings to average equity (ytd only) | 21.2006% | 70 |
| Net charge-offs to loans | 0.0860% | 1,448 |
| Credit loss provision to net charge-offs | 2,222.1142% | 433 |
| Earnings coverage of net charge-offs (x) | 69.0717% | 1,003 |
| Efficiency ratio | 39.4234% | 4,904 |
| Assets per employee ($millions) | 12.9332% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 340 |
| Loan loss allowance to noncurrent loans | 281.9071% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 2,080 |
| Noncurrent loans to loans | 0.7884% | 1,849 |
| Net loans and leases to total assets | 67.2360% | 2,356 |
| Net loans and leases to deposits | 96.9462% | 692 |
| Net loans and leases to core deposits | 107.2492% | 799 |
| Total domestic deposits to total assets | 69.3539% | 4,778 |
| Equity capital to assets | 10.4991% | 2,791 |
| Core capital (leverage) ratio | 9.7228% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9187% | 2,645 |
| Memoranda: | ||
| Average total assets | $1,835,013,000 | 507 |
| Average earning assets | $1,552,215,000 | 551 |
| Average equity | $194,587,500 | 508 |
| Average total loans | $1,275,615,000 | 511 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,388 |
| Cost of funding earning assets | 0.7348% | 2,205 |
| Net interest margin | 3.2419% | 3,549 |
| Noninterest income to average assets | 3.1783% | 154 |
| Noninterest expense to average assets | 2.4025% | 3,259 |
| Loan and lease loss provision to assets | 1.0608% | 186 |
| Net operating income to assets | 1.9732% | 350 |
| Return on assets (ROA) | 1.9732% | 387 |
| Pretax return on assets | 2.4689% | 231 |
| Return on Equity (ROE) | 18.5384% | 331 |
| Retained earnings to average equity (ytd only) | 18.5384% | 113 |
| Net charge-offs to loans | 0.0725% | 1,523 |
| Credit loss provision to net charge-offs | 2,095.7684% | 465 |
| Earnings coverage of net charge-offs (x) | 69.7350% | 881 |
| Efficiency ratio | 40.0281% | 4,916 |
| Assets per employee ($millions) | 12.3422% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 965 |
| Loan loss allowance to noncurrent loans | 474.9256% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 3,397 |
| Noncurrent loans to loans | 0.3406% | 3,175 |
| Net loans and leases to total assets | 67.1075% | 2,487 |
| Net loans and leases to deposits | 100.4850% | 523 |
| Net loans and leases to core deposits | 115.6739% | 542 |
| Total domestic deposits to total assets | 66.7836% | 4,869 |
| Equity capital to assets | 9.8268% | 3,344 |
| Core capital (leverage) ratio | 9.6591% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1471% | 2,927 |
| Memoranda: | ||
| Average total assets | $1,774,158,667 | 519 |
| Average earning assets | $1,507,067,667 | 551 |
| Average equity | $188,840,667 | 523 |
| Average total loans | $1,238,362,667 | 515 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2459% | 3,079 |
| Cost of funding earning assets | 1.0200% | 1,337 |
| Net interest margin | 3.2259% | 3,794 |
| Noninterest income to average assets | 1.9156% | 287 |
| Noninterest expense to average assets | 2.2132% | 3,974 |
| Loan and lease loss provision to assets | 0.5457% | 528 |
| Net operating income to assets | 1.5671% | 668 |
| Return on assets (ROA) | 1.5671% | 736 |
| Pretax return on assets | 1.9173% | 552 |
| Return on Equity (ROE) | 14.0603% | 689 |
| Retained earnings to average equity (ytd only) | 14.0603% | 248 |
| Net charge-offs to loans | -0.0021% | 3,656 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6857% | 4,807 |
| Assets per employee ($millions) | 10.9057% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,923 |
| Loan loss allowance to noncurrent loans | 277.5982% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,140 |
| Noncurrent loans to loans | 0.4855% | 2,808 |
| Net loans and leases to total assets | 66.3820% | 2,771 |
| Net loans and leases to deposits | 91.6536% | 1,322 |
| Net loans and leases to core deposits | 113.1591% | 703 |
| Total domestic deposits to total assets | 72.4270% | 4,754 |
| Equity capital to assets | 10.8368% | 3,006 |
| Core capital (leverage) ratio | 10.5295% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2080% | 3,038 |
| Memoranda: | ||
| Average total assets | $1,649,174,500 | 534 |
| Average earning assets | $1,411,326,000 | 557 |
| Average equity | $183,808,000 | 539 |
| Average total loans | $1,167,208,000 | 523 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 2,489 |
| Cost of funding earning assets | 1.3292% | 706 |
| Net interest margin | 3.3150% | 3,959 |
| Noninterest income to average assets | 2.2953% | 219 |
| Noninterest expense to average assets | 2.8328% | 2,495 |
| Loan and lease loss provision to assets | 0.0717% | 2,565 |
| Net operating income to assets | 1.8427% | 487 |
| Return on assets (ROA) | 1.8405% | 512 |
| Pretax return on assets | 2.3297% | 287 |
| Return on Equity (ROE) | 16.7015% | 456 |
| Retained earnings to average equity (ytd only) | 16.7015% | 59 |
| Net charge-offs to loans | 0.0018% | 3,646 |
| Credit loss provision to net charge-offs | 5,400.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 1,810.3500% | 40 |
| Efficiency ratio | 53.4551% | 4,479 |
| Assets per employee ($millions) | 10.0334% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,756 |
| Loan loss allowance to noncurrent loans | 1,244.9721% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,068 |
| Noncurrent loans to loans | 0.0914% | 4,162 |
| Net loans and leases to total assets | 73.7402% | 1,795 |
| Net loans and leases to deposits | 93.0310% | 1,253 |
| Net loans and leases to core deposits | 113.2836% | 699 |
| Total domestic deposits to total assets | 79.2641% | 4,129 |
| Equity capital to assets | 11.4831% | 2,542 |
| Core capital (leverage) ratio | 10.4118% | 3,057 |
| Tier 1 risk-based capital ratio | 10.9960% | 4,862 |
| Total risk-based capital ratio | 11.9029% | 4,895 |
| Memoranda: | ||
| Average total assets | $1,505,966,000 | 548 |
| Average earning assets | $1,336,397,400 | 563 |
| Average equity | $165,955,400 | 557 |
| Average total loans | $1,107,675,000 | 526 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 2,503 |
| Cost of funding earning assets | 1.3815% | 609 |
| Net interest margin | 3.2877% | 4,108 |
| Noninterest income to average assets | 2.2144% | 227 |
| Noninterest expense to average assets | 2.7404% | 2,748 |
| Loan and lease loss provision to assets | 0.0784% | 2,339 |
| Net operating income to assets | 1.8360% | 572 |
| Return on assets (ROA) | 1.8329% | 600 |
| Pretax return on assets | 2.3179% | 357 |
| Return on Equity (ROE) | 16.8201% | 499 |
| Retained earnings to average equity (ytd only) | 16.8201% | 91 |
| Net charge-offs to loans | -0.0248% | 4,643 |
| Credit loss provision to net charge-offs | -431.0345% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6544% | 4,545 |
| Assets per employee ($millions) | 10.2249% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,671.5356% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,313 |
| Noncurrent loans to loans | 0.0697% | 4,324 |
| Net loans and leases to total assets | 71.1916% | 2,290 |
| Net loans and leases to deposits | 89.2856% | 1,778 |
| Net loans and leases to core deposits | 115.8860% | 662 |
| Total domestic deposits to total assets | 79.7347% | 4,039 |
| Equity capital to assets | 10.9253% | 3,166 |
| Core capital (leverage) ratio | 9.9862% | 3,654 |
| Tier 1 risk-based capital ratio | 10.7177% | 5,013 |
| Total risk-based capital ratio | 11.6449% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,488,645,000 | 556 |
| Average earning assets | $1,324,937,750 | 567 |
| Average equity | $162,222,250 | 570 |
| Average total loans | $1,090,853,000 | 534 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 2,628 |
| Cost of funding earning assets | 1.3681% | 601 |
| Net interest margin | 3.2476% | 4,245 |
| Noninterest income to average assets | 1.9830% | 270 |
| Noninterest expense to average assets | 2.6517% | 3,055 |
| Loan and lease loss provision to assets | 0.0998% | 1,874 |
| Net operating income to assets | 1.7063% | 719 |
| Return on assets (ROA) | 1.7063% | 749 |
| Pretax return on assets | 2.1483% | 499 |
| Return on Equity (ROE) | 15.6731% | 650 |
| Retained earnings to average equity (ytd only) | 15.6731% | 145 |
| Net charge-offs to loans | -0.0218% | 4,565 |
| Credit loss provision to net charge-offs | -619.6581% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4142% | 4,524 |
| Assets per employee ($millions) | 9.1060% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,554 |
| Loan loss allowance to noncurrent loans | 1,719.3464% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,351 |
| Noncurrent loans to loans | 0.0695% | 4,368 |
| Net loans and leases to total assets | 71.0982% | 2,364 |
| Net loans and leases to deposits | 84.7666% | 2,400 |
| Net loans and leases to core deposits | 110.0794% | 971 |
| Total domestic deposits to total assets | 83.8752% | 2,919 |
| Equity capital to assets | 10.8311% | 3,237 |
| Core capital (leverage) ratio | 10.1597% | 3,432 |
| Tier 1 risk-based capital ratio | 10.6090% | 5,069 |
| Total risk-based capital ratio | 11.5609% | 5,088 |
| Memoranda: | ||
| Average total assets | $1,453,166,670 | 567 |
| Average earning assets | $1,305,163,000 | 574 |
| Average equity | $158,207,000 | 585 |
| Average total loans | $1,071,486,670 | 540 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 2,523 |
| Cost of funding earning assets | 1.3439% | 566 |
| Net interest margin | 3.2585% | 4,257 |
| Noninterest income to average assets | 1.5363% | 364 |
| Noninterest expense to average assets | 2.4907% | 3,537 |
| Loan and lease loss provision to assets | 0.1202% | 1,458 |
| Net operating income to assets | 1.5032% | 1,108 |
| Return on assets (ROA) | 1.5032% | 1,139 |
| Pretax return on assets | 1.8676% | 850 |
| Return on Equity (ROE) | 13.7690% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.7690% | 373 |
| Net charge-offs to loans | -0.0333% | 4,686 |
| Credit loss provision to net charge-offs | -482.9545% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8261% | 4,453 |
| Assets per employee ($millions) | 8.8911% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,625 |
| Loan loss allowance to noncurrent loans | 1,639.8977% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,352 |
| Noncurrent loans to loans | 0.0727% | 4,434 |
| Net loans and leases to total assets | 73.3717% | 1,918 |
| Net loans and leases to deposits | 86.6611% | 2,049 |
| Net loans and leases to core deposits | 114.7549% | 697 |
| Total domestic deposits to total assets | 84.6651% | 2,792 |
| Equity capital to assets | 10.8756% | 2,977 |
| Core capital (leverage) ratio | 10.0262% | 3,576 |
| Tier 1 risk-based capital ratio | 10.6110% | 5,149 |
| Total risk-based capital ratio | 11.5871% | 5,144 |
| Memoranda: | ||
| Average total assets | $1,414,842,000 | 578 |
| Average earning assets | $1,277,514,000 | 588 |
| Average equity | $154,462,500 | 595 |
| Average total loans | $1,056,818,000 | 548 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 2,330 |
| Cost of funding earning assets | 1.0195% | 705 |
| Net interest margin | 3.5208% | 3,634 |
| Noninterest income to average assets | 1.3033% | 547 |
| Noninterest expense to average assets | 2.4557% | 3,737 |
| Loan and lease loss provision to assets | 0.1363% | 1,582 |
| Net operating income to assets | 1.5376% | 1,028 |
| Return on assets (ROA) | 1.5376% | 1,020 |
| Pretax return on assets | 1.9113% | 699 |
| Return on Equity (ROE) | 13.9702% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.5126% | 3,046 |
| Net charge-offs to loans | 0.1385% | 1,372 |
| Credit loss provision to net charge-offs | 129.6322% | 2,037 |
| Earnings coverage of net charge-offs (x) | 19.4760% | 2,060 |
| Efficiency ratio | 53.6935% | 4,643 |
| Assets per employee ($millions) | 8.7369% | 506 |
| Cash dividends to net income (ytd only)* | 67.6983% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,642 |
| Loan loss allowance to noncurrent loans | 1,418.2028% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,323 |
| Noncurrent loans to loans | 0.0837% | 4,374 |
| Net loans and leases to total assets | 74.2638% | 1,895 |
| Net loans and leases to deposits | 88.1844% | 2,020 |
| Net loans and leases to core deposits | 111.8655% | 891 |
| Total domestic deposits to total assets | 84.2143% | 2,930 |
| Equity capital to assets | 10.9611% | 2,724 |
| Core capital (leverage) ratio | 9.9833% | 3,598 |
| Tier 1 risk-based capital ratio | 10.5800% | 5,154 |
| Total risk-based capital ratio | 11.5521% | 5,159 |
| Memoranda: | ||
| Average total assets | $1,344,923,200 | 588 |
| Average earning assets | $1,222,403,200 | 588 |
| Average equity | $148,029,200 | 581 |
| Average total loans | $1,020,704,400 | 549 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 2,329 |
| Cost of funding earning assets | 0.9727% | 671 |
| Net interest margin | 3.5215% | 3,627 |
| Noninterest income to average assets | 1.0653% | 837 |
| Noninterest expense to average assets | 2.2995% | 4,103 |
| Loan and lease loss provision to assets | 0.1679% | 1,118 |
| Net operating income to assets | 1.4614% | 1,297 |
| Return on assets (ROA) | 1.4614% | 1,299 |
| Pretax return on assets | 1.8064% | 997 |
| Return on Equity (ROE) | 13.2634% | 1,343 |
| Retained earnings to average equity (ytd only) | 4.2062% | 3,670 |
| Net charge-offs to loans | 0.0454% | 2,189 |
| Credit loss provision to net charge-offs | 486.1272% | 727 |
| Earnings coverage of net charge-offs (x) | 57.1765% | 1,085 |
| Efficiency ratio | 52.9154% | 4,717 |
| Assets per employee ($millions) | 8.8038% | 476 |
| Cash dividends to net income (ytd only)* | 68.2873% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,285 |
| Loan loss allowance to noncurrent loans | 223.5801% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,756 |
| Noncurrent loans to loans | 0.5656% | 2,682 |
| Net loans and leases to total assets | 76.1796% | 1,638 |
| Net loans and leases to deposits | 95.1039% | 1,254 |
| Net loans and leases to core deposits | 119.6440% | 582 |
| Total domestic deposits to total assets | 80.1015% | 4,096 |
| Equity capital to assets | 10.9519% | 2,704 |
| Core capital (leverage) ratio | 9.8279% | 3,821 |
| Tier 1 risk-based capital ratio | 10.7118% | 5,166 |
| Total risk-based capital ratio | 11.7865% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,336,046,500 | 592 |
| Average earning assets | $1,217,245,750 | 587 |
| Average equity | $147,209,000 | 580 |
| Average total loans | $1,016,513,000 | 551 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 2,324 |
| Cost of funding earning assets | 0.9088% | 711 |
| Net interest margin | 3.5203% | 3,568 |
| Noninterest income to average assets | 1.0953% | 806 |
| Noninterest expense to average assets | 2.3278% | 4,084 |
| Loan and lease loss provision to assets | 0.1850% | 968 |
| Net operating income to assets | 1.4466% | 1,291 |
| Return on assets (ROA) | 1.4466% | 1,292 |
| Pretax return on assets | 1.7893% | 988 |
| Return on Equity (ROE) | 13.1022% | 1,338 |
| Retained earnings to average equity (ytd only) | 4.2457% | 3,481 |
| Net charge-offs to loans | -0.0179% | 4,518 |
| Credit loss provision to net charge-offs | -1,366.6667% | 4,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2205% | 4,764 |
| Assets per employee ($millions) | 8.7464% | 481 |
| Cash dividends to net income (ytd only)* | 67.5957% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,284 |
| Loan loss allowance to noncurrent loans | 297.5450% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,218 |
| Noncurrent loans to loans | 0.4294% | 3,163 |
| Net loans and leases to total assets | 75.7899% | 1,671 |
| Net loans and leases to deposits | 94.4625% | 1,303 |
| Net loans and leases to core deposits | 118.9542% | 590 |
| Total domestic deposits to total assets | 80.2328% | 4,187 |
| Equity capital to assets | 10.9412% | 2,690 |
| Core capital (leverage) ratio | 9.8339% | 3,749 |
| Tier 1 risk-based capital ratio | 10.6722% | 5,201 |
| Total risk-based capital ratio | 11.7550% | 5,165 |
| Memoranda: | ||
| Average total assets | $1,329,469,330 | 592 |
| Average earning assets | $1,211,087,670 | 591 |
| Average equity | $146,784,000 | 576 |
| Average total loans | $1,006,666,330 | 554 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 2,023 |
| Cost of funding earning assets | 0.8418% | 793 |
| Net interest margin | 3.6070% | 3,152 |
| Noninterest income to average assets | 1.0237% | 873 |
| Noninterest expense to average assets | 2.3493% | 4,067 |
| Loan and lease loss provision to assets | 0.1823% | 939 |
| Net operating income to assets | 1.4368% | 1,237 |
| Return on assets (ROA) | 1.4368% | 1,243 |
| Pretax return on assets | 1.7739% | 959 |
| Return on Equity (ROE) | 12.9537% | 1,272 |
| Retained earnings to average equity (ytd only) | 7.4926% | 2,047 |
| Net charge-offs to loans | -0.0137% | 4,378 |
| Credit loss provision to net charge-offs | -1,770.5882% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6719% | 4,829 |
| Assets per employee ($millions) | 8.8852% | 462 |
| Cash dividends to net income (ytd only)* | 42.1585% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,591 |
| Loan loss allowance to noncurrent loans | 300.4077% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 3,380 |
| Noncurrent loans to loans | 0.4121% | 3,302 |
| Net loans and leases to total assets | 74.9891% | 1,706 |
| Net loans and leases to deposits | 94.4427% | 1,193 |
| Net loans and leases to core deposits | 151.9443% | 114 |
| Total domestic deposits to total assets | 79.4017% | 4,507 |
| Equity capital to assets | 11.0526% | 2,534 |
| Core capital (leverage) ratio | 9.8705% | 3,687 |
| Tier 1 risk-based capital ratio | 10.9060% | 5,182 |
| Total risk-based capital ratio | 11.9610% | 5,173 |
| Memoranda: | ||
| Average total assets | $1,320,733,000 | 598 |
| Average earning assets | $1,201,663,500 | 601 |
| Average equity | $146,490,500 | 579 |
| Average total loans | $992,971,000 | 563 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,462 |
| Cost of funding earning assets | 0.6842% | 1,115 |
| Net interest margin | 3.2986% | 4,169 |
| Noninterest income to average assets | 0.9991% | 1,020 |
| Noninterest expense to average assets | 2.2328% | 4,469 |
| Loan and lease loss provision to assets | 0.1017% | 2,193 |
| Net operating income to assets | 1.0771% | 1,953 |
| Return on assets (ROA) | 1.0795% | 1,956 |
| Pretax return on assets | 1.6753% | 1,080 |
| Return on Equity (ROE) | 10.1615% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.4257% | 946 |
| Net charge-offs to loans | 0.0074% | 3,814 |
| Credit loss provision to net charge-offs | 1,875.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 326.8929% | 265 |
| Efficiency ratio | 55.0647% | 4,856 |
| Assets per employee ($millions) | 8.6097% | 509 |
| Cash dividends to net income (ytd only)* | 26.9227% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,658 |
| Loan loss allowance to noncurrent loans | 322.7742% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 3,488 |
| Noncurrent loans to loans | 0.3782% | 3,402 |
| Net loans and leases to total assets | 73.5152% | 1,999 |
| Net loans and leases to deposits | 90.7501% | 1,685 |
| Net loans and leases to core deposits | 129.8136% | 345 |
| Total domestic deposits to total assets | 81.0084% | 4,118 |
| Equity capital to assets | 11.1313% | 2,506 |
| Core capital (leverage) ratio | 11.6822% | 1,807 |
| Tier 1 risk-based capital ratio | 10.8587% | 5,225 |
| Total risk-based capital ratio | 11.8786% | 5,221 |
| Memoranda: | ||
| Average total assets | $1,032,278,200 | 717 |
| Average earning assets | $941,073,200 | 719 |
| Average equity | $109,659,000 | 748 |
| Average total loans | $756,798,600 | 692 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,237 |
| Cost of funding earning assets | 0.6820% | 1,064 |
| Net interest margin | 3.3498% | 4,014 |
| Noninterest income to average assets | 0.9074% | 1,250 |
| Noninterest expense to average assets | 2.2259% | 4,473 |
| Loan and lease loss provision to assets | 0.1038% | 2,032 |
| Net operating income to assets | 1.2637% | 1,458 |
| Return on assets (ROA) | 1.2677% | 1,472 |
| Pretax return on assets | 1.6434% | 1,264 |
| Return on Equity (ROE) | 12.1308% | 1,303 |
| Retained earnings to average equity (ytd only) | 8.1570% | 1,161 |
| Net charge-offs to loans | -0.0076% | 4,560 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5749% | 4,785 |
| Assets per employee ($millions) | 7.8858% | 657 |
| Cash dividends to net income (ytd only)* | 32.7582% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,373 |
| Loan loss allowance to noncurrent loans | 350.8103% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 3,532 |
| Noncurrent loans to loans | 0.4408% | 3,384 |
| Net loans and leases to total assets | 73.7207% | 1,961 |
| Net loans and leases to deposits | 88.0025% | 2,063 |
| Net loans and leases to core deposits | 135.0620% | 267 |
| Total domestic deposits to total assets | 83.7712% | 3,202 |
| Equity capital to assets | 10.3373% | 3,549 |
| Core capital (leverage) ratio | 10.2673% | 3,237 |
| Tier 1 risk-based capital ratio | 10.9162% | 5,289 |
| Total risk-based capital ratio | 12.1606% | 5,183 |
| Memoranda: | ||
| Average total assets | $963,177,500 | 776 |
| Average earning assets | $879,998,000 | 775 |
| Average equity | $100,655,500 | 818 |
| Average total loans | $702,505,500 | 743 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 3,476 |
| Cost of funding earning assets | 0.6332% | 1,241 |
| Net interest margin | 3.2892% | 4,144 |
| Noninterest income to average assets | 0.9859% | 1,052 |
| Noninterest expense to average assets | 2.2809% | 4,400 |
| Loan and lease loss provision to assets | 0.1161% | 1,771 |
| Net operating income to assets | 1.2371% | 1,483 |
| Return on assets (ROA) | 1.2433% | 1,489 |
| Pretax return on assets | 1.5947% | 1,365 |
| Return on Equity (ROE) | 11.8520% | 1,345 |
| Retained earnings to average equity (ytd only) | 5.8174% | 2,219 |
| Net charge-offs to loans | -0.0091% | 4,501 |
| Credit loss provision to net charge-offs | -1,774.1935% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7274% | 4,743 |
| Assets per employee ($millions) | 7.4891% | 744 |
| Cash dividends to net income (ytd only)* | 50.9165% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 1,321 |
| Loan loss allowance to noncurrent loans | 352.3634% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,640 |
| Noncurrent loans to loans | 0.4472% | 3,411 |
| Net loans and leases to total assets | 71.9929% | 2,205 |
| Net loans and leases to deposits | 90.7986% | 1,631 |
| Net loans and leases to core deposits | 136.9091% | 221 |
| Total domestic deposits to total assets | 79.2885% | 4,564 |
| Equity capital to assets | 10.1467% | 3,745 |
| Core capital (leverage) ratio | 10.4318% | 2,992 |
| Tier 1 risk-based capital ratio | 10.9362% | 5,283 |
| Total risk-based capital ratio | 12.1868% | 5,186 |
| Memoranda: | ||
| Average total assets | $947,774,000 | 790 |
| Average earning assets | $863,800,670 | 794 |
| Average equity | $99,426,330 | 834 |
| Average total loans | $684,735,000 | 766 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 3,366 |
| Cost of funding earning assets | 0.6061% | 1,336 |
| Net interest margin | 3.3039% | 3,993 |
| Noninterest income to average assets | 1.1788% | 734 |
| Noninterest expense to average assets | 2.4061% | 4,095 |
| Loan and lease loss provision to assets | 0.1083% | 1,760 |
| Net operating income to assets | 1.2845% | 1,276 |
| Return on assets (ROA) | 1.2845% | 1,311 |
| Pretax return on assets | 1.6838% | 1,041 |
| Return on Equity (ROE) | 12.0317% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.9186% | 3,488 |
| Net charge-offs to loans | -0.0157% | 4,613 |
| Credit loss provision to net charge-offs | -961.5385% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7980% | 4,856 |
| Assets per employee ($millions) | 7.3912% | 793 |
| Cash dividends to net income (ytd only)* | 67.4309% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 1,227 |
| Loan loss allowance to noncurrent loans | 333.3831% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 3,590 |
| Noncurrent loans to loans | 0.4977% | 3,312 |
| Net loans and leases to total assets | 71.1119% | 2,200 |
| Net loans and leases to deposits | 90.3206% | 1,499 |
| Net loans and leases to core deposits | 134.7964% | 214 |
| Total domestic deposits to total assets | 78.7328% | 4,874 |
| Equity capital to assets | 10.6422% | 3,023 |
| Core capital (leverage) ratio | 10.7420% | 2,648 |
| Tier 1 risk-based capital ratio | 11.5370% | 5,007 |
| Total risk-based capital ratio | 12.7883% | 4,910 |
| Memoranda: | ||
| Average total assets | $923,638,000 | 812 |
| Average earning assets | $844,094,500 | 831 |
| Average equity | $98,606,500 | 837 |
| Average total loans | $662,821,500 | 792 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 2,775 |
| Cost of funding earning assets | 0.5490% | 1,701 |
| Net interest margin | 3.5695% | 3,190 |
| Noninterest income to average assets | 1.1236% | 910 |
| Noninterest expense to average assets | 2.4200% | 4,245 |
| Loan and lease loss provision to assets | 0.1062% | 2,279 |
| Net operating income to assets | 1.4098% | 996 |
| Return on assets (ROA) | 1.4230% | 990 |
| Pretax return on assets | 1.8795% | 649 |
| Return on Equity (ROE) | 12.8223% | 1,037 |
| Retained earnings to average equity (ytd only) | 0.2307% | 5,223 |
| Net charge-offs to loans | -0.0058% | 4,832 |
| Credit loss provision to net charge-offs | -2,567.5676% | 5,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6362% | 5,187 |
| Assets per employee ($millions) | 6.8871% | 965 |
| Cash dividends to net income (ytd only)* | 98.2010% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,197 |
| Loan loss allowance to noncurrent loans | 324.1820% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 3,640 |
| Noncurrent loans to loans | 0.5155% | 3,303 |
| Net loans and leases to total assets | 70.0132% | 2,468 |
| Net loans and leases to deposits | 85.7612% | 2,211 |
| Net loans and leases to core deposits | 132.1622% | 258 |
| Total domestic deposits to total assets | 81.6373% | 4,165 |
| Equity capital to assets | 10.7102% | 2,914 |
| Core capital (leverage) ratio | 10.6896% | 2,670 |
| Tier 1 risk-based capital ratio | 11.5718% | 5,006 |
| Total risk-based capital ratio | 12.8232% | 4,913 |
| Memoranda: | ||
| Average total assets | $894,528,200 | 810 |
| Average earning assets | $818,180,600 | 817 |
| Average equity | $99,272,000 | 794 |
| Average total loans | $636,212,600 | 784 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 2,857 |
| Cost of funding earning assets | 0.5408% | 1,783 |
| Net interest margin | 3.5640% | 3,215 |
| Noninterest income to average assets | 1.1611% | 848 |
| Noninterest expense to average assets | 2.4164% | 4,234 |
| Loan and lease loss provision to assets | 0.1050% | 2,175 |
| Net operating income to assets | 1.4335% | 999 |
| Return on assets (ROA) | 1.4509% | 1,021 |
| Pretax return on assets | 1.9251% | 664 |
| Return on Equity (ROE) | 12.9575% | 1,071 |
| Retained earnings to average equity (ytd only) | -2.4426% | 5,626 |
| Net charge-offs to loans | -0.0217% | 5,036 |
| Credit loss provision to net charge-offs | -679.6117% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1223% | 5,234 |
| Assets per employee ($millions) | 6.6446% | 1,026 |
| Cash dividends to net income (ytd only)* | 118.8508% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 1,247 |
| Loan loss allowance to noncurrent loans | 630.6651% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 4,474 |
| Noncurrent loans to loans | 0.2676% | 4,304 |
| Net loans and leases to total assets | 70.1066% | 2,471 |
| Net loans and leases to deposits | 85.8086% | 2,282 |
| Net loans and leases to core deposits | 129.9975% | 301 |
| Total domestic deposits to total assets | 81.7011% | 4,039 |
| Equity capital to assets | 10.8984% | 3,136 |
| Core capital (leverage) ratio | 10.3569% | 3,147 |
| Tier 1 risk-based capital ratio | 11.8738% | 4,870 |
| Total risk-based capital ratio | 13.1258% | 4,765 |
| Memoranda: | ||
| Average total assets | $889,163,000 | 814 |
| Average earning assets | $813,855,500 | 820 |
| Average equity | $99,564,000 | 795 |
| Average total loans | $632,212,750 | 786 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,206 |
| Cost of funding earning assets | 0.5351% | 1,824 |
| Net interest margin | 3.4744% | 3,593 |
| Noninterest income to average assets | 1.3209% | 653 |
| Noninterest expense to average assets | 2.5003% | 4,028 |
| Loan and lease loss provision to assets | 0.1575% | 1,445 |
| Net operating income to assets | 1.3911% | 1,073 |
| Return on assets (ROA) | 1.4173% | 1,078 |
| Pretax return on assets | 1.8847% | 721 |
| Return on Equity (ROE) | 12.5450% | 1,154 |
| Retained earnings to average equity (ytd only) | 8.5612% | 991 |
| Net charge-offs to loans | -0.0238% | 5,023 |
| Credit loss provision to net charge-offs | -933.3333% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9698% | 5,242 |
| Assets per employee ($millions) | 6.6224% | 1,035 |
| Cash dividends to net income (ytd only)* | 31.7561% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,408 |
| Loan loss allowance to noncurrent loans | 650.8526% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 4,538 |
| Noncurrent loans to loans | 0.2531% | 4,446 |
| Net loans and leases to total assets | 70.3249% | 2,429 |
| Net loans and leases to deposits | 92.4191% | 1,461 |
| Net loans and leases to core deposits | 141.7700% | 172 |
| Total domestic deposits to total assets | 76.0935% | 5,273 |
| Equity capital to assets | 11.3883% | 2,657 |
| Core capital (leverage) ratio | 11.2007% | 2,234 |
| Tier 1 risk-based capital ratio | 12.5687% | 4,465 |
| Total risk-based capital ratio | 13.8206% | 4,379 |
| Memoranda: | ||
| Average total assets | $888,758,000 | 812 |
| Average earning assets | $815,161,330 | 815 |
| Average equity | $100,406,330 | 791 |
| Average total loans | $631,307,330 | 788 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,135 |
| Cost of funding earning assets | 0.5358% | 1,821 |
| Net interest margin | 3.4883% | 3,513 |
| Noninterest income to average assets | 1.4313% | 549 |
| Noninterest expense to average assets | 2.6015% | 3,746 |
| Loan and lease loss provision to assets | 0.2501% | 704 |
| Net operating income to assets | 1.3407% | 1,148 |
| Return on assets (ROA) | 1.3881% | 1,120 |
| Pretax return on assets | 1.8370% | 791 |
| Return on Equity (ROE) | 12.3378% | 1,206 |
| Retained earnings to average equity (ytd only) | 4.2527% | 3,353 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7413% | 5,215 |
| Assets per employee ($millions) | 6.8358% | 954 |
| Cash dividends to net income (ytd only)* | 65.5308% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 1,443 |
| Loan loss allowance to noncurrent loans | 449.3986% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 4,240 |
| Noncurrent loans to loans | 0.3704% | 4,108 |
| Net loans and leases to total assets | 69.5567% | 2,414 |
| Net loans and leases to deposits | 90.0326% | 1,578 |
| Net loans and leases to core deposits | 130.8219% | 259 |
| Total domestic deposits to total assets | 77.2572% | 5,256 |
| Equity capital to assets | 11.2233% | 2,708 |
| Core capital (leverage) ratio | 11.0273% | 2,388 |
| Tier 1 risk-based capital ratio | 12.7326% | 4,440 |
| Total risk-based capital ratio | 13.9850% | 4,348 |
| Memoranda: | ||
| Average total assets | $879,499,500 | 828 |
| Average earning assets | $805,541,500 | 828 |
| Average equity | $98,948,000 | 800 |
| Average total loans | $622,597,500 | 797 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,268 |
| Cost of funding earning assets | 0.6277% | 1,194 |
| Net interest margin | 3.3840% | 3,970 |
| Noninterest income to average assets | 1.0135% | 1,147 |
| Noninterest expense to average assets | 2.8112% | 3,182 |
| Loan and lease loss provision to assets | 0.2034% | 1,051 |
| Net operating income to assets | 0.9366% | 2,675 |
| Return on assets (ROA) | 0.9422% | 2,725 |
| Pretax return on assets | 1.1007% | 3,059 |
| Return on Equity (ROE) | 9.3237% | 2,313 |
| Retained earnings to average equity (ytd only) | 3.7465% | 3,381 |
| Net charge-offs to loans | -0.0452% | 5,522 |
| Credit loss provision to net charge-offs | -645.7565% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8545% | 3,592 |
| Assets per employee ($millions) | 6.5935% | 1,050 |
| Cash dividends to net income (ytd only)* | 59.8175% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,587 |
| Loan loss allowance to noncurrent loans | 473.5786% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 4,343 |
| Noncurrent loans to loans | 0.3394% | 4,248 |
| Net loans and leases to total assets | 69.7083% | 2,414 |
| Net loans and leases to deposits | 89.1322% | 1,729 |
| Net loans and leases to core deposits | 122.4730% | 418 |
| Total domestic deposits to total assets | 78.2078% | 5,121 |
| Equity capital to assets | 11.2783% | 2,562 |
| Core capital (leverage) ratio | 10.9603% | 2,447 |
| Tier 1 risk-based capital ratio | 13.1360% | 4,210 |
| Total risk-based capital ratio | 14.3888% | 4,137 |
| Memoranda: | ||
| Average total assets | $860,546,000 | 802 |
| Average earning assets | $787,126,000 | 800 |
| Average equity | $86,961,600 | 875 |
| Average total loans | $599,499,800 | 776 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,280 |
| Cost of funding earning assets | 0.6438% | 1,129 |
| Net interest margin | 3.3724% | 4,073 |
| Noninterest income to average assets | 1.0328% | 1,118 |
| Noninterest expense to average assets | 3.0352% | 2,415 |
| Loan and lease loss provision to assets | 0.2564% | 661 |
| Net operating income to assets | 0.7645% | 3,615 |
| Return on assets (ROA) | 0.7725% | 3,660 |
| Pretax return on assets | 0.8324% | 4,235 |
| Return on Equity (ROE) | 7.8767% | 3,148 |
| Retained earnings to average equity (ytd only) | 1.5399% | 5,096 |
| Net charge-offs to loans | -0.0694% | 5,659 |
| Credit loss provision to net charge-offs | -532.2581% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1886% | 2,686 |
| Assets per employee ($millions) | 6.6502% | 1,000 |
| Cash dividends to net income (ytd only)* | 80.4505% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 1,805 |
| Loan loss allowance to noncurrent loans | 579.1299% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,709 |
| Noncurrent loans to loans | 0.2756% | 4,594 |
| Net loans and leases to total assets | 69.7176% | 2,433 |
| Net loans and leases to deposits | 88.5968% | 1,822 |
| Net loans and leases to core deposits | 123.4116% | 392 |
| Total domestic deposits to total assets | 78.6909% | 5,052 |
| Equity capital to assets | 11.0548% | 2,958 |
| Core capital (leverage) ratio | 10.6813% | 2,848 |
| Tier 1 risk-based capital ratio | 12.5557% | 4,718 |
| Total risk-based capital ratio | 13.8080% | 4,618 |
| Memoranda: | ||
| Average total assets | $858,096,250 | 808 |
| Average earning assets | $784,319,500 | 809 |
| Average equity | $84,162,000 | 914 |
| Average total loans | $595,221,000 | 790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 3,303 |
| Cost of funding earning assets | 0.6919% | 878 |
| Net interest margin | 3.3053% | 4,283 |
| Noninterest income to average assets | 0.8813% | 1,503 |
| Noninterest expense to average assets | 3.3514% | 1,572 |
| Loan and lease loss provision to assets | 0.2577% | 660 |
| Net operating income to assets | 0.4449% | 4,984 |
| Return on assets (ROA) | 0.4580% | 5,045 |
| Pretax return on assets | 0.3027% | 5,656 |
| Return on Equity (ROE) | 4.8806% | 4,673 |
| Retained earnings to average equity (ytd only) | -1.3606% | 5,752 |
| Net charge-offs to loans | -0.1174% | 5,844 |
| Credit loss provision to net charge-offs | -318.8406% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3623% | 1,111 |
| Assets per employee ($millions) | 6.3637% | 1,116 |
| Cash dividends to net income (ytd only)* | 127.8772% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 2,046 |
| Loan loss allowance to noncurrent loans | 472.4696% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 3,889 |
| Noncurrent loans to loans | 0.3304% | 4,509 |
| Net loans and leases to total assets | 68.0178% | 2,642 |
| Net loans and leases to deposits | 90.6214% | 1,523 |
| Net loans and leases to core deposits | 133.4695% | 223 |
| Total domestic deposits to total assets | 75.0571% | 5,700 |
| Equity capital to assets | 10.9050% | 2,989 |
| Core capital (leverage) ratio | 10.7277% | 2,702 |
| Tier 1 risk-based capital ratio | 12.4812% | 4,822 |
| Total risk-based capital ratio | 13.7330% | 4,733 |
| Memoranda: | ||
| Average total assets | $853,736,000 | 815 |
| Average earning assets | $779,354,670 | 823 |
| Average equity | $80,113,670 | 962 |
| Average total loans | $587,889,670 | 799 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,113 |
| Cost of funding earning assets | 0.7426% | 682 |
| Net interest margin | 3.2901% | 4,261 |
| Noninterest income to average assets | 1.0398% | 1,035 |
| Noninterest expense to average assets | 2.5551% | 4,083 |
| Loan and lease loss provision to assets | 0.2831% | 531 |
| Net operating income to assets | 1.0009% | 2,270 |
| Return on assets (ROA) | 1.0228% | 2,301 |
| Pretax return on assets | 1.2275% | 2,559 |
| Return on Equity (ROE) | 11.8825% | 1,382 |
| Retained earnings to average equity (ytd only) | 6.4016% | 2,289 |
| Net charge-offs to loans | 0.0178% | 2,806 |
| Credit loss provision to net charge-offs | 2,307.6923% | 178 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 422 |
| Efficiency ratio | 62.6723% | 4,677 |
| Assets per employee ($millions) | 6.8433% | 917 |
| Cash dividends to net income (ytd only)* | 46.1255% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,762 |
| Loan loss allowance to noncurrent loans | 391.3546% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 3,839 |
| Noncurrent loans to loans | 0.3670% | 4,492 |
| Net loans and leases to total assets | 67.9061% | 2,456 |
| Net loans and leases to deposits | 89.5849% | 1,431 |
| Net loans and leases to core deposits | 126.6472% | 289 |
| Total domestic deposits to total assets | 75.8008% | 5,757 |
| Equity capital to assets | 8.6221% | 5,637 |
| Core capital (leverage) ratio | 8.3615% | 5,674 |
| Tier 1 risk-based capital ratio | 10.0191% | 6,164 |
| Total risk-based capital ratio | 11.2121% | 6,138 |
| Memoranda: | ||
| Average total assets | $847,874,500 | 827 |
| Average earning assets | $772,983,500 | 835 |
| Average equity | $72,981,500 | 1,055 |
| Average total loans | $582,833,500 | 802 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,626 |
| Cost of funding earning assets | 0.7795% | 722 |
| Net interest margin | 3.2447% | 4,775 |
| Noninterest income to average assets | 0.9745% | 1,269 |
| Noninterest expense to average assets | 2.5573% | 4,372 |
| Loan and lease loss provision to assets | 0.2255% | 1,086 |
| Net operating income to assets | 0.9661% | 2,551 |
| Return on assets (ROA) | 0.9727% | 2,596 |
| Pretax return on assets | 1.1418% | 2,913 |
| Return on Equity (ROE) | 11.3242% | 1,614 |
| Retained earnings to average equity (ytd only) | 1.4230% | 5,126 |
| Net charge-offs to loans | 0.4091% | 1,044 |
| Credit loss provision to net charge-offs | 82.8571% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.9955% | 3,523 |
| Efficiency ratio | 64.6721% | 4,465 |
| Assets per employee ($millions) | 6.5651% | 1,023 |
| Cash dividends to net income (ytd only)* | 87.4344% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 3,091 |
| Loan loss allowance to noncurrent loans | 207.4395% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 3,293 |
| Noncurrent loans to loans | 0.6600% | 3,703 |
| Net loans and leases to total assets | 67.6436% | 2,618 |
| Net loans and leases to deposits | 89.2746% | 1,588 |
| Net loans and leases to core deposits | 127.3538% | 279 |
| Total domestic deposits to total assets | 75.7703% | 5,770 |
| Equity capital to assets | 8.5928% | 5,649 |
| Core capital (leverage) ratio | 8.2055% | 5,852 |
| Tier 1 risk-based capital ratio | 10.3561% | 6,162 |
| Total risk-based capital ratio | 11.5442% | 6,126 |
| Memoranda: | ||
| Average total assets | $823,069,400 | 820 |
| Average earning assets | $746,361,200 | 823 |
| Average equity | $70,698,000 | 1,040 |
| Average total loans | $547,537,600 | 805 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,817 |
| Cost of funding earning assets | 0.7815% | 758 |
| Net interest margin | 3.2032% | 4,959 |
| Noninterest income to average assets | 0.8860% | 1,567 |
| Noninterest expense to average assets | 2.5264% | 4,445 |
| Loan and lease loss provision to assets | 0.1436% | 1,745 |
| Net operating income to assets | 0.9598% | 2,642 |
| Return on assets (ROA) | 0.9614% | 2,711 |
| Pretax return on assets | 1.1200% | 3,106 |
| Return on Equity (ROE) | 11.1942% | 1,717 |
| Retained earnings to average equity (ytd only) | -0.1820% | 5,833 |
| Net charge-offs to loans | 0.1683% | 2,115 |
| Credit loss provision to net charge-offs | 129.3255% | 1,783 |
| Earnings coverage of net charge-offs (x) | 11.3607% | 2,429 |
| Efficiency ratio | 66.0476% | 4,208 |
| Assets per employee ($millions) | 6.4246% | 1,058 |
| Cash dividends to net income (ytd only)* | 101.6261% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,565 |
| Loan loss allowance to noncurrent loans | 124.6874% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 3,159 |
| Noncurrent loans to loans | 1.2299% | 2,588 |
| Net loans and leases to total assets | 66.1726% | 2,831 |
| Net loans and leases to deposits | 89.0336% | 1,548 |
| Net loans and leases to core deposits | 132.3065% | 212 |
| Total domestic deposits to total assets | 74.3232% | 5,989 |
| Equity capital to assets | 8.6001% | 5,725 |
| Core capital (leverage) ratio | 8.0152% | 6,058 |
| Tier 1 risk-based capital ratio | 10.6180% | 6,169 |
| Total risk-based capital ratio | 11.8690% | 6,118 |
| Memoranda: | ||
| Average total assets | $818,753,750 | 830 |
| Average earning assets | $741,777,250 | 834 |
| Average equity | $70,320,500 | 1,047 |
| Average total loans | $540,341,500 | 816 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 4,045 |
| Cost of funding earning assets | 0.7724% | 820 |
| Net interest margin | 3.1503% | 5,089 |
| Noninterest income to average assets | 0.9083% | 1,472 |
| Noninterest expense to average assets | 2.5341% | 4,473 |
| Loan and lease loss provision to assets | 0.1345% | 1,837 |
| Net operating income to assets | 0.9612% | 2,502 |
| Return on assets (ROA) | 0.9612% | 2,592 |
| Pretax return on assets | 1.0874% | 3,147 |
| Return on Equity (ROE) | 11.1959% | 1,667 |
| Retained earnings to average equity (ytd only) | -1.6271% | 5,937 |
| Net charge-offs to loans | -0.0004% | 5,019 |
| Credit loss provision to net charge-offs | -55,000.0000% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8165% | 4,228 |
| Assets per employee ($millions) | 6.2165% | 1,164 |
| Cash dividends to net income (ytd only)* | 114.5330% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 2,433 |
| Loan loss allowance to noncurrent loans | 180.3433% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 3,865 |
| Noncurrent loans to loans | 0.8911% | 3,470 |
| Net loans and leases to total assets | 65.3595% | 2,855 |
| Net loans and leases to deposits | 91.2973% | 1,238 |
| Net loans and leases to core deposits | 126.6800% | 260 |
| Total domestic deposits to total assets | 71.5897% | 6,280 |
| Equity capital to assets | 8.5201% | 5,781 |
| Core capital (leverage) ratio | 8.2716% | 5,870 |
| Tier 1 risk-based capital ratio | 10.7248% | 6,161 |
| Total risk-based capital ratio | 11.9768% | 6,114 |
| Memoranda: | ||
| Average total assets | $817,555,330 | 833 |
| Average earning assets | $739,029,000 | 831 |
| Average equity | $70,186,330 | 1,039 |
| Average total loans | $536,240,330 | 814 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,758 |
| Cost of funding earning assets | 0.7690% | 887 |
| Net interest margin | 3.2142% | 4,882 |
| Noninterest income to average assets | 0.7823% | 1,832 |
| Noninterest expense to average assets | 2.5306% | 4,518 |
| Loan and lease loss provision to assets | 0.1476% | 1,647 |
| Net operating income to assets | 1.0121% | 2,162 |
| Return on assets (ROA) | 1.0121% | 2,230 |
| Pretax return on assets | 1.0082% | 3,289 |
| Return on Equity (ROE) | 11.7446% | 1,480 |
| Retained earnings to average equity (ytd only) | 6.0350% | 2,522 |
| Net charge-offs to loans | -0.0906% | 6,086 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9792% | 4,187 |
| Assets per employee ($millions) | 6.3055% | 1,113 |
| Cash dividends to net income (ytd only)* | 48.6145% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,592 |
| Loan loss allowance to noncurrent loans | 176.7636% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 3,995 |
| Noncurrent loans to loans | 0.9203% | 3,578 |
| Net loans and leases to total assets | 64.1445% | 2,865 |
| Net loans and leases to deposits | 93.3313% | 850 |
| Net loans and leases to core deposits | 129.0024% | 197 |
| Total domestic deposits to total assets | 68.7278% | 6,495 |
| Equity capital to assets | 8.6650% | 5,480 |
| Core capital (leverage) ratio | 8.6153% | 5,510 |
| Tier 1 risk-based capital ratio | 11.2307% | 6,053 |
| Total risk-based capital ratio | 12.4828% | 6,001 |
| Memoranda: | ||
| Average total assets | $812,935,500 | 843 |
| Average earning assets | $734,487,000 | 842 |
| Average equity | $70,057,500 | 1,042 |
| Average total loans | $529,753,000 | 827 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 6,447 |
| Cost of funding earning assets | 0.7017% | 1,802 |
| Net interest margin | 2.1718% | 6,591 |
| Noninterest income to average assets | 0.7272% | 2,395 |
| Noninterest expense to average assets | 1.6170% | 6,506 |
| Loan and lease loss provision to assets | 0.0946% | 3,232 |
| Net operating income to assets | 0.7619% | 3,488 |
| Return on assets (ROA) | 0.7619% | 3,584 |
| Pretax return on assets | 0.9907% | 3,387 |
| Return on Equity (ROE) | 8.5923% | 2,740 |
| Retained earnings to average equity (ytd only) | 3.4900% | 3,742 |
| Net charge-offs to loans | 0.1402% | 3,406 |
| Credit loss provision to net charge-offs | 103.5936% | 2,340 |
| Earnings coverage of net charge-offs (x) | 11.8910% | 2,188 |
| Efficiency ratio | 59.6995% | 5,509 |
| Assets per employee ($millions) | 6.2980% | 1,087 |
| Cash dividends to net income (ytd only)* | 59.3824% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 2,853 |
| Loan loss allowance to noncurrent loans | 152.6471% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 3,915 |
| Noncurrent loans to loans | 1.0326% | 3,449 |
| Net loans and leases to total assets | 64.0985% | 3,030 |
| Net loans and leases to deposits | 89.5783% | 1,271 |
| Net loans and leases to core deposits | 119.4489% | 342 |
| Total domestic deposits to total assets | 71.5558% | 6,450 |
| Equity capital to assets | 8.5699% | 5,505 |
| Core capital (leverage) ratio | 8.7757% | 5,320 |
| Tier 1 risk-based capital ratio | 11.2839% | 6,033 |
| Total risk-based capital ratio | 12.5356% | 5,973 |
| Memoranda: | ||
| Average total assets | $884,160,800 | 745 |
| Average earning assets | $804,065,800 | 745 |
| Average equity | $78,396,000 | 910 |
| Average total loans | $575,428,000 | 731 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 4,965 |
| Cost of funding earning assets | 0.9860% | 529 |
| Net interest margin | 2.7831% | 6,044 |
| Noninterest income to average assets | 1.0184% | 1,401 |
| Noninterest expense to average assets | 2.0382% | 5,950 |
| Loan and lease loss provision to assets | 0.0855% | 3,351 |
| Net operating income to assets | 1.0886% | 2,047 |
| Return on assets (ROA) | 1.0884% | 2,128 |
| Pretax return on assets | 1.4360% | 1,813 |
| Return on Equity (ROE) | 13.2295% | 1,186 |
| Retained earnings to average equity (ytd only) | 5.4398% | 2,767 |
| Net charge-offs to loans | 0.0317% | 4,497 |
| Credit loss provision to net charge-offs | 430.1075% | 610 |
| Earnings coverage of net charge-offs (x) | 76.5895% | 616 |
| Efficiency ratio | 57.2552% | 5,771 |
| Assets per employee ($millions) | 7.3255% | 632 |
| Cash dividends to net income (ytd only)* | 58.8813% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 1,998 |
| Loan loss allowance to noncurrent loans | 193.6080% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 4,562 |
| Noncurrent loans to loans | 0.9827% | 3,845 |
| Net loans and leases to total assets | 61.3199% | 3,472 |
| Net loans and leases to deposits | 86.7042% | 1,524 |
| Net loans and leases to core deposits | 131.5669% | 172 |
| Total domestic deposits to total assets | 70.7231% | 6,564 |
| Equity capital to assets | 7.9243% | 6,194 |
| Core capital (leverage) ratio | 8.3885% | 5,870 |
| Tier 1 risk-based capital ratio | 11.1588% | 6,213 |
| Total risk-based capital ratio | 12.4138% | 6,178 |
| Memoranda: | ||
| Average total assets | $624,128,250 | 1,076 |
| Average earning assets | $569,951,250 | 1,076 |
| Average equity | $51,348,750 | 1,393 |
| Average total loans | $390,771,000 | 1,099 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,875 |
| Cost of funding earning assets | 1.0082% | 525 |
| Net interest margin | 2.7768% | 6,049 |
| Noninterest income to average assets | 1.0864% | 1,298 |
| Noninterest expense to average assets | 2.0063% | 6,034 |
| Loan and lease loss provision to assets | 0.1301% | 2,692 |
| Net operating income to assets | 1.1173% | 1,874 |
| Return on assets (ROA) | 1.1173% | 1,991 |
| Pretax return on assets | 1.4862% | 1,660 |
| Return on Equity (ROE) | 13.4065% | 1,140 |
| Retained earnings to average equity (ytd only) | 1.6978% | 5,164 |
| Net charge-offs to loans | 0.1558% | 2,854 |
| Credit loss provision to net charge-offs | 133.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | 16.5633% | 1,656 |
| Efficiency ratio | 55.3830% | 6,033 |
| Assets per employee ($millions) | 7.2043% | 660 |
| Cash dividends to net income (ytd only)* | 87.3362% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 2,163 |
| Loan loss allowance to noncurrent loans | 197.6172% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 4,694 |
| Noncurrent loans to loans | 0.9527% | 4,026 |
| Net loans and leases to total assets | 63.4793% | 3,010 |
| Net loans and leases to deposits | 94.0889% | 803 |
| Net loans and leases to core deposits | 145.2904% | 109 |
| Total domestic deposits to total assets | 67.4673% | 6,730 |
| Equity capital to assets | 8.0723% | 6,151 |
| Core capital (leverage) ratio | 8.3091% | 5,880 |
| Tier 1 risk-based capital ratio | 11.0109% | 6,327 |
| Total risk-based capital ratio | 12.2656% | 6,304 |
| Memoranda: | ||
| Average total assets | $614,848,000 | 1,089 |
| Average earning assets | $561,584,670 | 1,090 |
| Average equity | $51,243,670 | 1,395 |
| Average total loans | $385,181,000 | 1,108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,911 |
| Cost of funding earning assets | 1.0207% | 549 |
| Net interest margin | 2.7522% | 6,121 |
| Noninterest income to average assets | 1.2637% | 958 |
| Noninterest expense to average assets | 2.0363% | 6,031 |
| Loan and lease loss provision to assets | 0.1959% | 1,889 |
| Net operating income to assets | 1.1514% | 1,667 |
| Return on assets (ROA) | 1.1514% | 1,773 |
| Pretax return on assets | 1.5426% | 1,446 |
| Return on Equity (ROE) | 13.5985% | 1,035 |
| Retained earnings to average equity (ytd only) | 5.8852% | 2,743 |
| Net charge-offs to loans | -0.0604% | 6,218 |
| Credit loss provision to net charge-offs | -526.3158% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9446% | 6,235 |
| Assets per employee ($millions) | 7.0474% | 748 |
| Cash dividends to net income (ytd only)* | 56.7215% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 1,904 |
| Loan loss allowance to noncurrent loans | 208.7747% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 4,823 |
| Noncurrent loans to loans | 0.9845% | 4,162 |
| Net loans and leases to total assets | 62.0817% | 3,043 |
| Net loans and leases to deposits | 95.2043% | 587 |
| Net loans and leases to core deposits | 135.3967% | 142 |
| Total domestic deposits to total assets | 65.2089% | 6,862 |
| Equity capital to assets | 8.6980% | 5,811 |
| Core capital (leverage) ratio | 8.6014% | 5,446 |
| Tier 1 risk-based capital ratio | 11.9213% | 5,963 |
| Total risk-based capital ratio | 13.1783% | 5,927 |
| Memoranda: | ||
| Average total assets | $612,485,000 | 1,109 |
| Average earning assets | $558,831,000 | 1,105 |
| Average equity | $51,858,500 | 1,405 |
| Average total loans | $377,347,500 | 1,131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 4,705 |
| Cost of funding earning assets | 1.2045% | 564 |
| Net interest margin | 2.9617% | 6,120 |
| Noninterest income to average assets | 0.9485% | 1,709 |
| Noninterest expense to average assets | 2.0867% | 6,155 |
| Loan and lease loss provision to assets | 0.2183% | 2,951 |
| Net operating income to assets | 1.0069% | 2,307 |
| Return on assets (ROA) | 1.0069% | 2,523 |
| Pretax return on assets | 1.3344% | 2,276 |
| Return on Equity (ROE) | 11.3761% | 1,691 |
| Retained earnings to average equity (ytd only) | -2.1646% | 6,182 |
| Net charge-offs to loans | 0.1461% | 4,234 |
| Credit loss provision to net charge-offs | 245.6647% | 1,004 |
| Earnings coverage of net charge-offs (x) | 17.4740% | 1,504 |
| Efficiency ratio | 57.3364% | 5,915 |
| Assets per employee ($millions) | 7.1947% | 713 |
| Cash dividends to net income (ytd only)* | 119.0274% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9859% | 2,050 |
| Loan loss allowance to noncurrent loans | 193.5794% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 4,932 |
| Noncurrent loans to loans | 1.0259% | 4,152 |
| Net loans and leases to total assets | 58.7206% | 3,851 |
| Net loans and leases to deposits | 85.4181% | 1,591 |
| Net loans and leases to core deposits | 120.9596% | 270 |
| Total domestic deposits to total assets | 68.7449% | 6,832 |
| Equity capital to assets | 8.2457% | 6,245 |
| Core capital (leverage) ratio | 8.4943% | 5,620 |
| Tier 1 risk-based capital ratio | 11.6119% | 6,025 |
| Total risk-based capital ratio | 12.8676% | 5,983 |
| Memoranda: | ||
| Average total assets | $584,075,400 | 1,133 |
| Average earning assets | $530,679,400 | 1,135 |
| Average equity | $51,696,200 | 1,375 |
| Average total loans | $355,115,400 | 1,175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 4,703 |
| Cost of funding earning assets | 1.2438% | 570 |
| Net interest margin | 2.9880% | 6,194 |
| Noninterest income to average assets | 0.9228% | 1,756 |
| Noninterest expense to average assets | 2.1152% | 6,135 |
| Loan and lease loss provision to assets | 0.2034% | 3,046 |
| Net operating income to assets | 0.9958% | 2,533 |
| Return on assets (ROA) | 0.9958% | 2,755 |
| Pretax return on assets | 1.3219% | 2,517 |
| Return on Equity (ROE) | 11.0445% | 1,938 |
| Retained earnings to average equity (ytd only) | -7.0020% | 6,715 |
| Net charge-offs to loans | 0.2258% | 3,369 |
| Credit loss provision to net charge-offs | 147.5548% | 1,923 |
| Earnings coverage of net charge-offs (x) | 11.0657% | 2,116 |
| Efficiency ratio | 58.1024% | 5,778 |
| Assets per employee ($millions) | 6.7478% | 838 |
| Cash dividends to net income (ytd only)* | 163.3986% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 2,391 |
| Loan loss allowance to noncurrent loans | 203.2352% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,056 |
| Noncurrent loans to loans | 0.9489% | 4,541 |
| Net loans and leases to total assets | 60.4035% | 3,695 |
| Net loans and leases to deposits | 89.2633% | 1,233 |
| Net loans and leases to core deposits | 130.3255% | 191 |
| Total domestic deposits to total assets | 67.6688% | 6,937 |
| Equity capital to assets | 8.6080% | 6,167 |
| Core capital (leverage) ratio | 8.4318% | 5,854 |
| Tier 1 risk-based capital ratio | 11.9164% | 5,983 |
| Total risk-based capital ratio | 13.1722% | 5,965 |
| Memoranda: | ||
| Average total assets | $573,610,000 | 1,170 |
| Average earning assets | $521,714,250 | 1,174 |
| Average equity | $51,717,000 | 1,380 |
| Average total loans | $350,144,000 | 1,199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 4,745 |
| Cost of funding earning assets | 1.2868% | 556 |
| Net interest margin | 2.9670% | 6,303 |
| Noninterest income to average assets | 0.9147% | 1,729 |
| Noninterest expense to average assets | 2.1233% | 6,189 |
| Loan and lease loss provision to assets | 0.2021% | 3,058 |
| Net operating income to assets | 0.9583% | 2,622 |
| Return on assets (ROA) | 0.9583% | 2,871 |
| Pretax return on assets | 1.2827% | 2,621 |
| Return on Equity (ROE) | 10.4661% | 2,188 |
| Retained earnings to average equity (ytd only) | -12.5616% | 6,904 |
| Net charge-offs to loans | 0.4874% | 2,128 |
| Credit loss provision to net charge-offs | 68.1280% | 3,613 |
| Earnings coverage of net charge-offs (x) | 5.0059% | 2,933 |
| Efficiency ratio | 58.8487% | 5,752 |
| Assets per employee ($millions) | 6.6788% | 869 |
| Cash dividends to net income (ytd only)* | 220.0220% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 2,702 |
| Loan loss allowance to noncurrent loans | 368.4452% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 5,767 |
| Noncurrent loans to loans | 0.5021% | 5,534 |
| Net loans and leases to total assets | 58.6383% | 4,057 |
| Net loans and leases to deposits | 89.2239% | 1,227 |
| Net loans and leases to core deposits | 123.4374% | 262 |
| Total domestic deposits to total assets | 65.7203% | 7,052 |
| Equity capital to assets | 8.5105% | 6,202 |
| Core capital (leverage) ratio | 8.4501% | 5,710 |
| Tier 1 risk-based capital ratio | 12.0191% | 5,918 |
| Total risk-based capital ratio | 13.2734% | 5,894 |
| Memoranda: | ||
| Average total assets | $569,127,000 | 1,180 |
| Average earning assets | $516,611,000 | 1,184 |
| Average equity | $52,111,330 | 1,368 |
| Average total loans | $346,333,000 | 1,212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 4,802 |
| Cost of funding earning assets | 1.3289% | 560 |
| Net interest margin | 2.9540% | 6,383 |
| Noninterest income to average assets | 0.9695% | 1,510 |
| Noninterest expense to average assets | 2.1841% | 6,083 |
| Loan and lease loss provision to assets | 0.2486% | 2,474 |
| Net operating income to assets | 0.9099% | 2,868 |
| Return on assets (ROA) | 0.9099% | 3,094 |
| Pretax return on assets | 1.2132% | 2,869 |
| Return on Equity (ROE) | 9.5881% | 2,565 |
| Retained earnings to average equity (ytd only) | 9.5881% | 1,386 |
| Net charge-offs to loans | 0.3272% | 2,341 |
| Credit loss provision to net charge-offs | 123.6749% | 1,931 |
| Earnings coverage of net charge-offs (x) | 7.2721% | 2,095 |
| Efficiency ratio | 59.9065% | 5,628 |
| Assets per employee ($millions) | 6.5843% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,442 |
| Loan loss allowance to noncurrent loans | 196.8259% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 5,034 |
| Noncurrent loans to loans | 1.0018% | 4,673 |
| Net loans and leases to total assets | 59.3445% | 3,801 |
| Net loans and leases to deposits | 90.3483% | 938 |
| Net loans and leases to core deposits | 124.9841% | 241 |
| Total domestic deposits to total assets | 65.6842% | 7,114 |
| Equity capital to assets | 9.5045% | 4,801 |
| Core capital (leverage) ratio | 9.1296% | 4,639 |
| Tier 1 risk-based capital ratio | 13.3655% | 4,924 |
| Total risk-based capital ratio | 14.6212% | 4,912 |
| Memoranda: | ||
| Average total assets | $563,161,000 | 1,201 |
| Average earning assets | $510,215,000 | 1,210 |
| Average equity | $53,441,500 | 1,327 |
| Average total loans | $345,927,000 | 1,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 4,723 |
| Cost of funding earning assets | 1.4758% | 789 |
| Net interest margin | 3.1115% | 6,321 |
| Noninterest income to average assets | 1.0223% | 1,301 |
| Noninterest expense to average assets | 2.2528% | 6,160 |
| Loan and lease loss provision to assets | 0.2950% | 3,303 |
| Net operating income to assets | 0.9268% | 2,497 |
| Return on assets (ROA) | 0.9268% | 2,619 |
| Pretax return on assets | 1.3007% | 2,130 |
| Return on Equity (ROE) | 9.9483% | 2,077 |
| Retained earnings to average equity (ytd only) | 1.8175% | 4,919 |
| Net charge-offs to loans | 0.8622% | 2,011 |
| Credit loss provision to net charge-offs | 53.6641% | 5,327 |
| Earnings coverage of net charge-offs (x) | 2.9030% | 3,755 |
| Efficiency ratio | 58.5375% | 5,975 |
| Assets per employee ($millions) | 6.4377% | 988 |
| Cash dividends to net income (ytd only)* | 81.7308% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 2,517 |
| Loan loss allowance to noncurrent loans | 162.0882% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 4,890 |
| Noncurrent loans to loans | 1.1826% | 4,392 |
| Net loans and leases to total assets | 61.1288% | 3,750 |
| Net loans and leases to deposits | 95.7089% | 689 |
| Net loans and leases to core deposits | 137.6470% | 181 |
| Total domestic deposits to total assets | 63.8695% | 7,177 |
| Equity capital to assets | 9.4744% | 4,923 |
| Core capital (leverage) ratio | 9.0174% | 4,751 |
| Tier 1 risk-based capital ratio | 13.1841% | 4,926 |
| Total risk-based capital ratio | 14.4399% | 4,899 |
| Memoranda: | ||
| Average total assets | $561,077,800 | 1,176 |
| Average earning assets | $509,631,800 | 1,184 |
| Average equity | $52,270,400 | 1,303 |
| Average total loans | $357,686,800 | 1,187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 4,923 |
| Cost of funding earning assets | 1.4907% | 899 |
| Net interest margin | 3.0943% | 6,394 |
| Noninterest income to average assets | 1.0506% | 1,217 |
| Noninterest expense to average assets | 2.2745% | 6,104 |
| Loan and lease loss provision to assets | 0.2458% | 3,546 |
| Net operating income to assets | 0.9546% | 2,510 |
| Return on assets (ROA) | 0.9546% | 2,675 |
| Pretax return on assets | 1.3470% | 2,124 |
| Return on Equity (ROE) | 10.2906% | 2,103 |
| Retained earnings to average equity (ytd only) | 3.2493% | 4,404 |
| Net charge-offs to loans | 0.7499% | 2,064 |
| Credit loss provision to net charge-offs | 51.1364% | 5,015 |
| Earnings coverage of net charge-offs (x) | 3.3132% | 3,482 |
| Efficiency ratio | 58.8134% | 5,894 |
| Assets per employee ($millions) | 6.2188% | 1,075 |
| Cash dividends to net income (ytd only)* | 68.4251% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 2,361 |
| Loan loss allowance to noncurrent loans | 114.4990% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 4,417 |
| Noncurrent loans to loans | 1.7381% | 3,714 |
| Net loans and leases to total assets | 62.0566% | 3,709 |
| Net loans and leases to deposits | 98.6569% | 537 |
| Net loans and leases to core deposits | 143.8012% | 163 |
| Total domestic deposits to total assets | 62.9014% | 7,262 |
| Equity capital to assets | 9.4187% | 5,211 |
| Core capital (leverage) ratio | 9.0402% | 4,867 |
| Tier 1 risk-based capital ratio | 13.1742% | 4,967 |
| Total risk-based capital ratio | 14.4312% | 4,940 |
| Memoranda: | ||
| Average total assets | $561,328,250 | 1,189 |
| Average earning assets | $510,990,000 | 1,182 |
| Average equity | $52,072,000 | 1,305 |
| Average total loans | $359,843,750 | 1,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 4,875 |
| Cost of funding earning assets | 1.4912% | 1,033 |
| Net interest margin | 3.1321% | 6,331 |
| Noninterest income to average assets | 1.0672% | 1,156 |
| Noninterest expense to average assets | 2.2465% | 6,254 |
| Loan and lease loss provision to assets | 0.2805% | 3,137 |
| Net operating income to assets | 0.9428% | 2,468 |
| Return on assets (ROA) | 0.9428% | 2,561 |
| Pretax return on assets | 1.3934% | 1,811 |
| Return on Equity (ROE) | 10.2164% | 2,044 |
| Retained earnings to average equity (ytd only) | 3.4416% | 4,066 |
| Net charge-offs to loans | 0.9230% | 1,684 |
| Credit loss provision to net charge-offs | 47.2038% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.8172% | 3,439 |
| Efficiency ratio | 57.3043% | 6,255 |
| Assets per employee ($millions) | 6.3026% | 1,018 |
| Cash dividends to net income (ytd only)* | 66.3130% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,361 |
| Loan loss allowance to noncurrent loans | 229.8318% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 4,836 |
| Noncurrent loans to loans | 0.8727% | 5,211 |
| Net loans and leases to total assets | 61.6885% | 3,949 |
| Net loans and leases to deposits | 96.6532% | 673 |
| Net loans and leases to core deposits | 150.3365% | 145 |
| Total domestic deposits to total assets | 63.8245% | 7,322 |
| Equity capital to assets | 9.1137% | 5,411 |
| Core capital (leverage) ratio | 9.1058% | 4,556 |
| Tier 1 risk-based capital ratio | 12.9214% | 4,982 |
| Total risk-based capital ratio | 14.1784% | 4,955 |
| Memoranda: | ||
| Average total assets | $559,799,670 | 1,198 |
| Average earning assets | $509,941,000 | 1,194 |
| Average equity | $51,662,000 | 1,302 |
| Average total loans | $360,352,330 | 1,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 5,387 |
| Cost of funding earning assets | 1.4992% | 1,163 |
| Net interest margin | 2.9857% | 6,601 |
| Noninterest income to average assets | 1.1061% | 1,069 |
| Noninterest expense to average assets | 2.1948% | 6,436 |
| Loan and lease loss provision to assets | 0.2713% | 2,979 |
| Net operating income to assets | 0.9180% | 2,483 |
| Return on assets (ROA) | 0.9180% | 2,539 |
| Pretax return on assets | 1.3615% | 1,839 |
| Return on Equity (ROE) | 9.8836% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.8836% | 1,144 |
| Net charge-offs to loans | -0.0311% | 6,720 |
| Credit loss provision to net charge-offs | -1,339.2857% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3427% | 6,343 |
| Assets per employee ($millions) | 7.9714% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4197% | 1,582 |
| Loan loss allowance to noncurrent loans | 71.1495% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.1764% | 3,094 |
| Noncurrent loans to loans | 3.4009% | 2,202 |
| Net loans and leases to total assets | 61.5966% | 3,950 |
| Net loans and leases to deposits | 100.5320% | 442 |
| Net loans and leases to core deposits | 146.5231% | 168 |
| Total domestic deposits to total assets | 61.2706% | 7,415 |
| Equity capital to assets | 9.3034% | 4,721 |
| Core capital (leverage) ratio | 9.2544% | 4,203 |
| Tier 1 risk-based capital ratio | 13.5284% | 4,407 |
| Total risk-based capital ratio | 14.7904% | 4,366 |
| Memoranda: | ||
| Average total assets | $552,932,000 | 1,221 |
| Average earning assets | $504,006,500 | 1,219 |
| Average equity | $51,358,000 | 1,299 |
| Average total loans | $360,005,000 | 1,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 5,449 |
| Cost of funding earning assets | 1.6876% | 1,657 |
| Net interest margin | 3.1028% | 6,514 |
| Noninterest income to average assets | 1.0887% | 1,265 |
| Noninterest expense to average assets | 2.2195% | 6,570 |
| Loan and lease loss provision to assets | 0.7630% | 2,149 |
| Net operating income to assets | 0.6491% | 3,443 |
| Return on assets (ROA) | 0.6491% | 3,590 |
| Pretax return on assets | 0.9345% | 3,152 |
| Return on Equity (ROE) | 7.1947% | 3,027 |
| Retained earnings to average equity (ytd only) | 4.7783% | 2,560 |
| Net charge-offs to loans | 0.8816% | 2,427 |
| Credit loss provision to net charge-offs | 126.8116% | 3,191 |
| Earnings coverage of net charge-offs (x) | 2.8213% | 3,669 |
| Efficiency ratio | 56.6645% | 6,504 |
| Assets per employee ($millions) | 7.7164% | 543 |
| Cash dividends to net income (ytd only)* | 33.5852% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,852 |
| Loan loss allowance to noncurrent loans | 72.2163% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.2730% | 3,001 |
| Noncurrent loans to loans | 3.0573% | 2,498 |
| Net loans and leases to total assets | 65.6473% | 3,536 |
| Net loans and leases to deposits | 113.1986% | 185 |
| Net loans and leases to core deposits | 156.5818% | 156 |
| Total domestic deposits to total assets | 57.9930% | 7,524 |
| Equity capital to assets | 9.2729% | 4,717 |
| Core capital (leverage) ratio | 9.0303% | 4,489 |
| Tier 1 risk-based capital ratio | 12.8840% | 4,699 |
| Total risk-based capital ratio | 14.1442% | 4,660 |
| Memoranda: | ||
| Average total assets | $550,479,600 | 1,218 |
| Average earning assets | $501,771,000 | 1,226 |
| Average equity | $49,661,800 | 1,349 |
| Average total loans | $375,665,200 | 1,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 5,560 |
| Cost of funding earning assets | 1.7038% | 1,860 |
| Net interest margin | 3.1213% | 6,559 |
| Noninterest income to average assets | 0.9689% | 1,557 |
| Noninterest expense to average assets | 2.2523% | 6,459 |
| Loan and lease loss provision to assets | 0.7016% | 2,187 |
| Net operating income to assets | 0.6079% | 3,851 |
| Return on assets (ROA) | 0.6079% | 4,013 |
| Pretax return on assets | 0.8666% | 3,679 |
| Return on Equity (ROE) | 6.7858% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.5455% | 3,957 |
| Net charge-offs to loans | 0.9667% | 2,064 |
| Credit loss provision to net charge-offs | 105.9167% | 4,035 |
| Earnings coverage of net charge-offs (x) | 2.3674% | 3,991 |
| Efficiency ratio | 58.9539% | 6,109 |
| Assets per employee ($millions) | 7.7248% | 559 |
| Cash dividends to net income (ytd only)* | 47.7517% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 2,314 |
| Loan loss allowance to noncurrent loans | 55.1791% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 3.0416% | 2,383 |
| Noncurrent loans to loans | 3.5571% | 2,205 |
| Net loans and leases to total assets | 67.3374% | 3,369 |
| Net loans and leases to deposits | 112.2212% | 215 |
| Net loans and leases to core deposits | 173.3710% | 116 |
| Total domestic deposits to total assets | 60.0042% | 7,593 |
| Equity capital to assets | 9.2424% | 5,239 |
| Core capital (leverage) ratio | 9.1167% | 4,506 |
| Tier 1 risk-based capital ratio | 12.6927% | 4,822 |
| Total risk-based capital ratio | 13.9492% | 4,797 |
| Memoranda: | ||
| Average total assets | $551,133,000 | 1,222 |
| Average earning assets | $503,500,250 | 1,232 |
| Average equity | $49,376,500 | 1,365 |
| Average total loans | $377,636,750 | 1,208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 5,490 |
| Cost of funding earning assets | 1.6999% | 2,118 |
| Net interest margin | 3.1788% | 6,383 |
| Noninterest income to average assets | 0.8195% | 2,020 |
| Noninterest expense to average assets | 2.1474% | 6,773 |
| Loan and lease loss provision to assets | 0.7065% | 2,062 |
| Net operating income to assets | 0.6119% | 3,829 |
| Return on assets (ROA) | 0.6119% | 3,962 |
| Pretax return on assets | 0.8728% | 3,610 |
| Return on Equity (ROE) | 6.9026% | 3,351 |
| Retained earnings to average equity (ytd only) | 1.9984% | 4,861 |
| Net charge-offs to loans | 0.7721% | 2,317 |
| Credit loss provision to net charge-offs | 133.6532% | 3,007 |
| Earnings coverage of net charge-offs (x) | 2.9877% | 3,505 |
| Efficiency ratio | 57.6220% | 6,436 |
| Assets per employee ($millions) | 7.4727% | 627 |
| Cash dividends to net income (ytd only)* | 71.0480% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 2,053 |
| Loan loss allowance to noncurrent loans | 65.8229% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.3822% | 3,024 |
| Noncurrent loans to loans | 3.1273% | 2,572 |
| Net loans and leases to total assets | 66.4492% | 3,743 |
| Net loans and leases to deposits | 109.1486% | 297 |
| Net loans and leases to core deposits | 182.7497% | 114 |
| Total domestic deposits to total assets | 60.8796% | 7,645 |
| Equity capital to assets | 8.9921% | 5,461 |
| Core capital (leverage) ratio | 8.5708% | 5,293 |
| Tier 1 risk-based capital ratio | 12.3140% | 5,027 |
| Total risk-based capital ratio | 13.5718% | 4,998 |
| Memoranda: | ||
| Average total assets | $552,023,330 | 1,230 |
| Average earning assets | $504,850,670 | 1,234 |
| Average equity | $48,938,330 | 1,370 |
| Average total loans | $377,944,330 | 1,216 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 5,653 |
| Cost of funding earning assets | 1.7091% | 2,345 |
| Net interest margin | 3.1483% | 6,459 |
| Noninterest income to average assets | 0.6853% | 2,694 |
| Noninterest expense to average assets | 2.0967% | 6,952 |
| Loan and lease loss provision to assets | 0.6527% | 1,943 |
| Net operating income to assets | 0.5744% | 4,012 |
| Return on assets (ROA) | 0.5744% | 4,154 |
| Pretax return on assets | 0.8137% | 3,808 |
| Return on Equity (ROE) | 6.5259% | 3,604 |
| Retained earnings to average equity (ytd only) | 2.4060% | 4,697 |
| Net charge-offs to loans | 0.6148% | 2,279 |
| Credit loss provision to net charge-offs | 154.3739% | 2,318 |
| Earnings coverage of net charge-offs (x) | 3.4683% | 2,900 |
| Efficiency ratio | 58.8439% | 6,360 |
| Assets per employee ($millions) | 7.3573% | 696 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 2,165 |
| Loan loss allowance to noncurrent loans | 75.8593% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 2.0370% | 3,454 |
| Noncurrent loans to loans | 2.6473% | 3,027 |
| Net loans and leases to total assets | 65.8693% | 3,889 |
| Net loans and leases to deposits | 107.2980% | 368 |
| Net loans and leases to core deposits | 186.7409% | 116 |
| Total domestic deposits to total assets | 61.3891% | 7,731 |
| Equity capital to assets | 8.7458% | 5,661 |
| Core capital (leverage) ratio | 8.9032% | 4,726 |
| Tier 1 risk-based capital ratio | 12.1364% | 5,049 |
| Total risk-based capital ratio | 13.3944% | 5,012 |
| Memoranda: | ||
| Average total assets | $551,543,500 | 1,263 |
| Average earning assets | $504,139,500 | 1,262 |
| Average equity | $48,545,000 | 1,384 |
| Average total loans | $379,328,500 | 1,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4143% | 4,627 |
| Cost of funding earning assets | 2.1176% | 2,381 |
| Net interest margin | 3.2967% | 5,760 |
| Noninterest income to average assets | 0.7610% | 2,613 |
| Noninterest expense to average assets | 2.3061% | 6,732 |
| Loan and lease loss provision to assets | 0.9370% | 2,407 |
| Net operating income to assets | 0.4044% | 4,112 |
| Return on assets (ROA) | 0.4614% | 4,003 |
| Pretax return on assets | 0.6326% | 3,803 |
| Return on Equity (ROE) | 5.3585% | 3,495 |
| Retained earnings to average equity (ytd only) | 0.7766% | 4,467 |
| Net charge-offs to loans | 0.6700% | 3,177 |
| Credit loss provision to net charge-offs | 187.9699% | 2,150 |
| Earnings coverage of net charge-offs (x) | 2.9921% | 3,582 |
| Efficiency ratio | 60.7262% | 6,370 |
| Assets per employee ($millions) | 7.1571% | 751 |
| Cash dividends to net income (ytd only)* | 85.5066% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,292 |
| Loan loss allowance to noncurrent loans | 95.1955% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6713% | 3,863 |
| Noncurrent loans to loans | 1.9846% | 3,667 |
| Net loans and leases to total assets | 69.0464% | 3,478 |
| Net loans and leases to deposits | 116.0048% | 229 |
| Net loans and leases to core deposits | 166.0681% | 273 |
| Total domestic deposits to total assets | 59.5202% | 7,810 |
| Equity capital to assets | 8.8591% | 5,341 |
| Core capital (leverage) ratio | 8.9257% | 4,547 |
| Tier 1 risk-based capital ratio | 11.8797% | 5,049 |
| Total risk-based capital ratio | 13.1363% | 5,009 |
| Memoranda: | ||
| Average total assets | $506,959,800 | 1,358 |
| Average earning assets | $466,946,400 | 1,347 |
| Average equity | $43,650,600 | 1,534 |
| Average total loans | $377,144,400 | 1,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4739% | 4,555 |
| Cost of funding earning assets | 2.1845% | 2,480 |
| Net interest margin | 3.2894% | 5,687 |
| Noninterest income to average assets | 0.7889% | 2,497 |
| Noninterest expense to average assets | 2.3933% | 6,434 |
| Loan and lease loss provision to assets | 0.9912% | 1,935 |
| Net operating income to assets | 0.3407% | 4,636 |
| Return on assets (ROA) | 0.3871% | 4,553 |
| Pretax return on assets | 0.5066% | 4,504 |
| Return on Equity (ROE) | 4.5315% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.9635% | 3,672 |
| Net charge-offs to loans | 0.6746% | 2,669 |
| Credit loss provision to net charge-offs | 194.6344% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.8212% | 3,809 |
| Efficiency ratio | 62.4886% | 6,021 |
| Assets per employee ($millions) | 7.1017% | 752 |
| Cash dividends to net income (ytd only)* | 34.6020% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 2,459 |
| Loan loss allowance to noncurrent loans | 141.1655% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 5,199 |
| Noncurrent loans to loans | 1.2352% | 4,883 |
| Net loans and leases to total assets | 72.9879% | 2,796 |
| Net loans and leases to deposits | 120.2829% | 200 |
| Net loans and leases to core deposits | 174.3638% | 229 |
| Total domestic deposits to total assets | 60.6802% | 7,860 |
| Equity capital to assets | 9.4390% | 4,825 |
| Core capital (leverage) ratio | 9.3506% | 4,112 |
| Tier 1 risk-based capital ratio | 12.0254% | 4,953 |
| Total risk-based capital ratio | 13.2809% | 4,881 |
| Memoranda: | ||
| Average total assets | $497,715,750 | 1,401 |
| Average earning assets | $460,139,500 | 1,389 |
| Average equity | $42,516,250 | 1,591 |
| Average total loans | $375,730,500 | 1,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 4,387 |
| Cost of funding earning assets | 2.2347% | 2,646 |
| Net interest margin | 3.3050% | 5,535 |
| Noninterest income to average assets | 0.8316% | 2,258 |
| Noninterest expense to average assets | 2.3945% | 6,479 |
| Loan and lease loss provision to assets | 1.0237% | 1,653 |
| Net operating income to assets | 0.3609% | 4,655 |
| Return on assets (ROA) | 0.3616% | 4,756 |
| Pretax return on assets | 0.4664% | 4,730 |
| Return on Equity (ROE) | 4.3981% | 4,341 |
| Retained earnings to average equity (ytd only) | 1.9077% | 4,283 |
| Net charge-offs to loans | 0.4730% | 2,941 |
| Credit loss provision to net charge-offs | 285.0627% | 1,642 |
| Earnings coverage of net charge-offs (x) | 4.1471% | 3,202 |
| Efficiency ratio | 61.6552% | 6,289 |
| Assets per employee ($millions) | 6.8988% | 806 |
| Cash dividends to net income (ytd only)* | 56.6251% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,297 |
| Loan loss allowance to noncurrent loans | 99.7428% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 4,288 |
| Noncurrent loans to loans | 1.7160% | 3,933 |
| Net loans and leases to total assets | 75.1676% | 2,398 |
| Net loans and leases to deposits | 123.8461% | 181 |
| Net loans and leases to core deposits | 173.3754% | 281 |
| Total domestic deposits to total assets | 60.6943% | 7,918 |
| Equity capital to assets | 8.6956% | 5,756 |
| Core capital (leverage) ratio | 8.5945% | 5,270 |
| Tier 1 risk-based capital ratio | 10.3403% | 6,548 |
| Total risk-based capital ratio | 11.5945% | 6,477 |
| Memoranda: | ||
| Average total assets | $488,446,330 | 1,449 |
| Average earning assets | $451,068,670 | 1,432 |
| Average equity | $40,153,670 | 1,690 |
| Average total loans | $370,848,670 | 1,336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 4,696 |
| Cost of funding earning assets | 2.2856% | 2,765 |
| Net interest margin | 3.2541% | 5,678 |
| Noninterest income to average assets | 0.7112% | 2,817 |
| Noninterest expense to average assets | 2.2634% | 6,650 |
| Loan and lease loss provision to assets | 0.9566% | 1,359 |
| Net operating income to assets | 0.3668% | 4,987 |
| Return on assets (ROA) | 0.3668% | 5,167 |
| Pretax return on assets | 0.4816% | 5,134 |
| Return on Equity (ROE) | 4.6016% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.6016% | 3,365 |
| Net charge-offs to loans | 0.2035% | 3,413 |
| Credit loss provision to net charge-offs | 621.6216% | 917 |
| Earnings coverage of net charge-offs (x) | 9.3459% | 2,069 |
| Efficiency ratio | 61.1461% | 6,230 |
| Assets per employee ($millions) | 6.8415% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 2,556 |
| Loan loss allowance to noncurrent loans | 131.9617% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 4,591 |
| Noncurrent loans to loans | 1.2059% | 4,560 |
| Net loans and leases to total assets | 74.4821% | 2,621 |
| Net loans and leases to deposits | 115.6626% | 396 |
| Net loans and leases to core deposits | 165.6845% | 413 |
| Total domestic deposits to total assets | 64.3960% | 7,828 |
| Equity capital to assets | 8.1307% | 6,623 |
| Core capital (leverage) ratio | 8.1866% | 6,132 |
| Tier 1 risk-based capital ratio | 9.6628% | 7,282 |
| Total risk-based capital ratio | 10.9155% | 7,205 |
| Memoranda: | ||
| Average total assets | $480,863,500 | 1,480 |
| Average earning assets | $441,899,500 | 1,464 |
| Average equity | $38,334,500 | 1,776 |
| Average total loans | $363,700,500 | 1,387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 4,295 |
| Cost of funding earning assets | 2.8743% | 2,371 |
| Net interest margin | 3.3666% | 5,797 |
| Noninterest income to average assets | 0.8549% | 2,200 |
| Noninterest expense to average assets | 2.3855% | 6,444 |
| Loan and lease loss provision to assets | 0.4409% | 3,089 |
| Net operating income to assets | 0.7335% | 3,744 |
| Return on assets (ROA) | 0.7339% | 3,576 |
| Pretax return on assets | 1.0895% | 3,060 |
| Return on Equity (ROE) | 9.7896% | 2,332 |
| Retained earnings to average equity (ytd only) | 5.0725% | 1,984 |
| Net charge-offs to loans | 0.2194% | 4,034 |
| Credit loss provision to net charge-offs | 266.3818% | 1,739 |
| Earnings coverage of net charge-offs (x) | 9.2422% | 2,724 |
| Efficiency ratio | 60.9298% | 6,177 |
| Assets per employee ($millions) | 6.5158% | 881 |
| Cash dividends to net income (ytd only)* | 48.1850% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 3,191 |
| Loan loss allowance to noncurrent loans | 130.0445% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 4,471 |
| Noncurrent loans to loans | 1.0776% | 4,413 |
| Net loans and leases to total assets | 74.5214% | 2,986 |
| Net loans and leases to deposits | 112.7345% | 672 |
| Net loans and leases to core deposits | 144.2829% | 1,082 |
| Total domestic deposits to total assets | 66.1034% | 7,654 |
| Equity capital to assets | 7.8054% | 7,087 |
| Core capital (leverage) ratio | 7.8524% | 6,720 |
| Tier 1 risk-based capital ratio | 9.2700% | 7,552 |
| Total risk-based capital ratio | 10.5205% | 7,483 |
| Memoranda: | ||
| Average total assets | $424,154,600 | 1,606 |
| Average earning assets | $385,556,400 | 1,610 |
| Average equity | $31,799,000 | 2,124 |
| Average total loans | $319,930,000 | 1,518 |