Home > Central National Bank > Performance and Condition Ratios
Central National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 1,902 |
| Cost of funding earning assets | 1.5786% | 1,748 |
| Net interest margin | 3.4985% | 2,182 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.7510% | 4,064 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7934% | 619 |
| Return on assets (ROA) | 1.7916% | 598 |
| Pretax return on assets | 1.7916% | 898 |
| Return on Equity (ROE) | 21.7900% | 472 |
| Retained earnings to average equity (ytd only) | 7.2970% | 1,793 |
| Net charge-offs to loans | 0.0092% | 2,312 |
| Credit loss provision to net charge-offs | 810.2273% | 481 |
| Earnings coverage of net charge-offs (x) | 252.9318% | 493 |
| Efficiency ratio | 48.5875% | 4,059 |
| Assets per employee ($millions) | 12.2334% | 391 |
| Cash dividends to net income (ytd only)* | 66.5102% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,296 |
| Loan loss allowance to noncurrent loans | 3,213.9344% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,456 |
| Noncurrent loans to loans | 0.0373% | 3,464 |
| Net loans and leases to total assets | 81.6100% | 470 |
| Net loans and leases to deposits | 92.2008% | 1,075 |
| Net loans and leases to core deposits | 103.9726% | 1,217 |
| Total domestic deposits to total assets | 88.5200% | 1,200 |
| Equity capital to assets | 8.8053% | 2,820 |
| Core capital (leverage) ratio | 9.9792% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0246% | 1,862 |
| Memoranda: | ||
| Average total assets | $1,201,317,000 | 853 |
| Average earning assets | $1,173,201,000 | 810 |
| Average equity | $98,780,800 | 954 |
| Average total loans | $954,246,400 | 757 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 2,011 |
| Cost of funding earning assets | 1.4128% | 1,833 |
| Net interest margin | 3.5101% | 2,187 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.7277% | 4,082 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8203% | 639 |
| Return on assets (ROA) | 1.8186% | 634 |
| Pretax return on assets | 1.8186% | 985 |
| Return on Equity (ROE) | 22.5100% | 524 |
| Retained earnings to average equity (ytd only) | 7.4242% | 2,168 |
| Net charge-offs to loans | 0.0110% | 1,994 |
| Credit loss provision to net charge-offs | 780.7692% | 477 |
| Earnings coverage of net charge-offs (x) | 218.7179% | 557 |
| Efficiency ratio | 47.7872% | 4,060 |
| Assets per employee ($millions) | 12.3898% | 341 |
| Cash dividends to net income (ytd only)* | 67.0175% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,353 |
| Loan loss allowance to noncurrent loans | 4,370.4120% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,602 |
| Noncurrent loans to loans | 0.0275% | 3,574 |
| Net loans and leases to total assets | 79.0400% | 752 |
| Net loans and leases to deposits | 89.2751% | 1,287 |
| Net loans and leases to core deposits | 99.2318% | 1,362 |
| Total domestic deposits to total assets | 88.5400% | 1,396 |
| Equity capital to assets | 7.9921% | 3,064 |
| Core capital (leverage) ratio | 9.9962% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6997% | 2,005 |
| Memoranda: | ||
| Average total assets | $1,204,986,250 | 856 |
| Average earning assets | $1,177,177,750 | 810 |
| Average equity | $97,354,250 | 962 |
| Average total loans | $947,757,000 | 766 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 1,974 |
| Cost of funding earning assets | 1.2024% | 1,984 |
| Net interest margin | 3.6062% | 2,025 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.7396% | 4,099 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.9504% | 501 |
| Return on assets (ROA) | 1.9507% | 501 |
| Pretax return on assets | 1.9507% | 803 |
| Return on Equity (ROE) | 24.0600% | 424 |
| Retained earnings to average equity (ytd only) | 8.2250% | 1,899 |
| Net charge-offs to loans | 0.0155% | 1,619 |
| Credit loss provision to net charge-offs | 150.6849% | 1,194 |
| Earnings coverage of net charge-offs (x) | 162.0685% | 710 |
| Efficiency ratio | 46.9105% | 4,122 |
| Assets per employee ($millions) | 12.3509% | 344 |
| Cash dividends to net income (ytd only)* | 65.8108% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,500 |
| Loan loss allowance to noncurrent loans | 2,424.0781% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,281 |
| Noncurrent loans to loans | 0.0490% | 3,363 |
| Net loans and leases to total assets | 79.2500% | 707 |
| Net loans and leases to deposits | 90.0336% | 1,184 |
| Net loans and leases to core deposits | 103.4736% | 1,070 |
| Total domestic deposits to total assets | 88.0200% | 1,593 |
| Equity capital to assets | 8.4299% | 2,923 |
| Core capital (leverage) ratio | 9.8006% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0531% | 1,873 |
| Memoranda: | ||
| Average total assets | $1,201,915,000 | 848 |
| Average earning assets | $1,175,526,667 | 800 |
| Average equity | $97,459,000 | 955 |
| Average total loans | $939,875,000 | 753 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 2,037 |
| Cost of funding earning assets | 0.9486% | 2,221 |
| Net interest margin | 3.6710% | 1,968 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.7234% | 4,167 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.0099% | 485 |
| Return on assets (ROA) | 2.0085% | 483 |
| Pretax return on assets | 2.0085% | 767 |
| Return on Equity (ROE) | 25.2500% | 391 |
| Retained earnings to average equity (ytd only) | 9.5397% | 1,808 |
| Net charge-offs to loans | 0.0004% | 2,053 |
| Credit loss provision to net charge-offs | 11,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 6,221.0000% | 8 |
| Efficiency ratio | 45.7203% | 4,233 |
| Assets per employee ($millions) | 12.2776% | 366 |
| Cash dividends to net income (ytd only)* | 62.2237% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,247 |
| Loan loss allowance to noncurrent loans | 6,228.7958% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,671 |
| Noncurrent loans to loans | 0.0202% | 3,633 |
| Net loans and leases to total assets | 78.3400% | 732 |
| Net loans and leases to deposits | 93.7735% | 801 |
| Net loans and leases to core deposits | 106.7932% | 802 |
| Total domestic deposits to total assets | 83.5400% | 3,189 |
| Equity capital to assets | 8.3357% | 3,017 |
| Core capital (leverage) ratio | 9.6723% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5300% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,216,203,000 | 858 |
| Average earning assets | $1,191,616,500 | 811 |
| Average equity | $96,733,000 | 973 |
| Average total loans | $939,304,000 | 764 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 2,268 |
| Cost of funding earning assets | 0.3459% | 2,513 |
| Net interest margin | 3.4585% | 2,070 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.5118% | 4,415 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.8490% | 392 |
| Return on assets (ROA) | 1.8395% | 381 |
| Pretax return on assets | 1.8395% | 662 |
| Return on Equity (ROE) | 24.6900% | 223 |
| Retained earnings to average equity (ytd only) | 10.8925% | 910 |
| Net charge-offs to loans | -0.0008% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.1690% | 4,456 |
| Assets per employee ($millions) | 12.9321% | 310 |
| Cash dividends to net income (ytd only)* | 55.8832% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,081 |
| Loan loss allowance to noncurrent loans | 6,171.7277% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 3,703 |
| Noncurrent loans to loans | 0.0205% | 3,666 |
| Net loans and leases to total assets | 74.2600% | 1,193 |
| Net loans and leases to deposits | 88.0648% | 1,171 |
| Net loans and leases to core deposits | 91.5917% | 1,417 |
| Total domestic deposits to total assets | 84.3300% | 3,140 |
| Equity capital to assets | 7.5873% | 3,335 |
| Core capital (leverage) ratio | 9.2060% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2666% | 2,253 |
| Memoranda: | ||
| Average total assets | $1,266,359,800 | 810 |
| Average earning assets | $1,201,542,400 | 790 |
| Average equity | $94,349,400 | 979 |
| Average total loans | $863,695,800 | 775 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 2,330 |
| Cost of funding earning assets | 0.3008% | 2,157 |
| Net interest margin | 3.3046% | 2,281 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.4541% | 4,469 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.7427% | 482 |
| Return on assets (ROA) | 1.7330% | 478 |
| Pretax return on assets | 1.7330% | 843 |
| Return on Equity (ROE) | 23.3700% | 239 |
| Retained earnings to average equity (ytd only) | 9.9290% | 1,362 |
| Net charge-offs to loans | -0.0011% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.4847% | 4,477 |
| Assets per employee ($millions) | 13.5492% | 267 |
| Cash dividends to net income (ytd only)* | 57.5056% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,183 |
| Loan loss allowance to noncurrent loans | 6,033.8624% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,819 |
| Noncurrent loans to loans | 0.0210% | 3,760 |
| Net loans and leases to total assets | 70.4900% | 1,442 |
| Net loans and leases to deposits | 83.6677% | 1,326 |
| Net loans and leases to core deposits | 86.7912% | 1,480 |
| Total domestic deposits to total assets | 84.2500% | 3,444 |
| Equity capital to assets | 7.2580% | 3,369 |
| Core capital (leverage) ratio | 8.5708% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3387% | 2,343 |
| Memoranda: | ||
| Average total assets | $1,272,580,500 | 811 |
| Average earning assets | $1,197,973,250 | 798 |
| Average equity | $94,388,250 | 998 |
| Average total loans | $846,189,000 | 785 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 2,379 |
| Cost of funding earning assets | 0.2949% | 1,763 |
| Net interest margin | 3.1220% | 2,468 |
| Noninterest income to average assets | 0.2426% | 3,716 |
| Noninterest expense to average assets | 1.4379% | 4,493 |
| Loan and lease loss provision to assets | 0.1715% | 523 |
| Net operating income to assets | 1.5301% | 653 |
| Return on assets (ROA) | 1.5190% | 654 |
| Pretax return on assets | 1.5190% | 1,125 |
| Return on Equity (ROE) | 20.3365% | 286 |
| Retained earnings to average equity (ytd only) | 7.1116% | 1,953 |
| Net charge-offs to loans | -0.0014% | 3,075 |
| Credit loss provision to net charge-offs | -18,250.0000% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7988% | 4,460 |
| Assets per employee ($millions) | 13.3213% | 272 |
| Cash dividends to net income (ytd only)* | 65.0304% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,375 |
| Loan loss allowance to noncurrent loans | 4,565.0206% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,812 |
| Noncurrent loans to loans | 0.0276% | 3,752 |
| Net loans and leases to total assets | 69.4045% | 1,359 |
| Net loans and leases to deposits | 81.6568% | 1,270 |
| Net loans and leases to core deposits | 85.5629% | 1,369 |
| Total domestic deposits to total assets | 84.9954% | 3,484 |
| Equity capital to assets | 7.2059% | 3,659 |
| Core capital (leverage) ratio | 8.5373% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0788% | 2,459 |
| Memoranda: | ||
| Average total assets | $1,276,747,333 | 807 |
| Average earning assets | $1,184,687,333 | 807 |
| Average equity | $95,365,667 | 994 |
| Average total loans | $828,370,000 | 785 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2478% | 2,541 |
| Cost of funding earning assets | 0.3106% | 1,547 |
| Net interest margin | 2.9371% | 2,716 |
| Noninterest income to average assets | 0.2371% | 3,723 |
| Noninterest expense to average assets | 1.4188% | 4,517 |
| Loan and lease loss provision to assets | 0.1080% | 774 |
| Net operating income to assets | 1.3862% | 826 |
| Return on assets (ROA) | 1.3787% | 832 |
| Pretax return on assets | 1.3787% | 1,300 |
| Return on Equity (ROE) | 18.1472% | 326 |
| Retained earnings to average equity (ytd only) | 5.4854% | 2,418 |
| Net charge-offs to loans | -0.0015% | 3,065 |
| Credit loss provision to net charge-offs | -11,600.0000% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7057% | 4,367 |
| Assets per employee ($millions) | 14.0270% | 243 |
| Cash dividends to net income (ytd only)* | 69.7727% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,529 |
| Loan loss allowance to noncurrent loans | 2,089.4949% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,653 |
| Noncurrent loans to loans | 0.0605% | 3,554 |
| Net loans and leases to total assets | 62.6166% | 1,785 |
| Net loans and leases to deposits | 73.8607% | 1,619 |
| Net loans and leases to core deposits | 77.7754% | 1,631 |
| Total domestic deposits to total assets | 84.7766% | 3,591 |
| Equity capital to assets | 7.3680% | 4,005 |
| Core capital (leverage) ratio | 8.0605% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7128% | 2,338 |
| Memoranda: | ||
| Average total assets | $1,289,019,000 | 810 |
| Average earning assets | $1,174,336,500 | 818 |
| Average equity | $97,932,500 | 1,002 |
| Average total loans | $802,465,500 | 799 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 2,866 |
| Cost of funding earning assets | 0.3777% | 1,697 |
| Net interest margin | 3.0473% | 3,057 |
| Noninterest income to average assets | 0.2637% | 3,800 |
| Noninterest expense to average assets | 1.4733% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5919% | 834 |
| Return on assets (ROA) | 1.5899% | 869 |
| Pretax return on assets | 1.5899% | 1,454 |
| Return on Equity (ROE) | 19.4641% | 343 |
| Retained earnings to average equity (ytd only) | 8.1010% | 1,498 |
| Net charge-offs to loans | -0.0007% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0661% | 4,400 |
| Assets per employee ($millions) | 14.4669% | 223 |
| Cash dividends to net income (ytd only)* | 58.3797% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,497 |
| Loan loss allowance to noncurrent loans | 4,971.1443% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,980 |
| Noncurrent loans to loans | 0.0256% | 3,885 |
| Net loans and leases to total assets | 60.3112% | 2,129 |
| Net loans and leases to deposits | 71.4466% | 1,966 |
| Net loans and leases to core deposits | 76.3576% | 1,889 |
| Total domestic deposits to total assets | 84.4144% | 3,442 |
| Equity capital to assets | 7.8274% | 4,456 |
| Core capital (leverage) ratio | 8.1709% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8689% | 2,289 |
| Memoranda: | ||
| Average total assets | $1,199,483,000 | 826 |
| Average earning assets | $1,102,704,200 | 831 |
| Average equity | $97,975,200 | 1,028 |
| Average total loans | $744,215,000 | 840 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4274% | 3,022 |
| Cost of funding earning assets | 0.3942% | 1,742 |
| Net interest margin | 3.0332% | 3,222 |
| Noninterest income to average assets | 0.2637% | 3,822 |
| Noninterest expense to average assets | 1.4897% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5779% | 1,082 |
| Return on assets (ROA) | 1.5766% | 1,134 |
| Pretax return on assets | 1.5766% | 1,772 |
| Return on Equity (ROE) | 19.0839% | 508 |
| Retained earnings to average equity (ytd only) | 7.5373% | 2,208 |
| Net charge-offs to loans | -0.0013% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5623% | 4,329 |
| Assets per employee ($millions) | 13.2374% | 286 |
| Cash dividends to net income (ytd only)* | 60.5042% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,257 |
| Loan loss allowance to noncurrent loans | 41,641.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,273 |
| Noncurrent loans to loans | 0.0032% | 4,195 |
| Net loans and leases to total assets | 58.9634% | 2,374 |
| Net loans and leases to deposits | 70.2581% | 2,213 |
| Net loans and leases to core deposits | 75.7092% | 2,078 |
| Total domestic deposits to total assets | 83.9240% | 3,478 |
| Equity capital to assets | 8.0438% | 4,499 |
| Core capital (leverage) ratio | 8.4298% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2647% | 2,272 |
| Memoranda: | ||
| Average total assets | $1,177,465,000 | 852 |
| Average earning assets | $1,088,444,750 | 853 |
| Average equity | $97,273,500 | 1,051 |
| Average total loans | $733,635,750 | 864 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 2,923 |
| Cost of funding earning assets | 0.4215% | 1,726 |
| Net interest margin | 3.0656% | 3,129 |
| Noninterest income to average assets | 0.2713% | 3,778 |
| Noninterest expense to average assets | 1.5217% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5928% | 1,060 |
| Return on assets (ROA) | 1.5911% | 1,122 |
| Pretax return on assets | 1.5911% | 1,759 |
| Return on Equity (ROE) | 19.0794% | 536 |
| Retained earnings to average equity (ytd only) | 7.2145% | 2,354 |
| Net charge-offs to loans | -0.0016% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8576% | 4,334 |
| Assets per employee ($millions) | 12.0090% | 350 |
| Cash dividends to net income (ytd only)* | 62.1872% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 2,009 |
| Loan loss allowance to noncurrent loans | 3,244.4805% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,085 |
| Noncurrent loans to loans | 0.0429% | 3,972 |
| Net loans and leases to total assets | 60.7366% | 2,332 |
| Net loans and leases to deposits | 72.8842% | 2,126 |
| Net loans and leases to core deposits | 78.8370% | 1,974 |
| Total domestic deposits to total assets | 83.3330% | 3,629 |
| Equity capital to assets | 8.4066% | 4,275 |
| Core capital (leverage) ratio | 8.4165% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0027% | 1,972 |
| Memoranda: | ||
| Average total assets | $1,155,180,000 | 858 |
| Average earning assets | $1,071,373,667 | 856 |
| Average equity | $96,334,333 | 1,052 |
| Average total loans | $730,285,333 | 865 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 2,582 |
| Cost of funding earning assets | 0.4576% | 1,664 |
| Net interest margin | 3.1614% | 2,806 |
| Noninterest income to average assets | 0.2650% | 3,808 |
| Noninterest expense to average assets | 1.5161% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6340% | 1,053 |
| Return on assets (ROA) | 1.6312% | 1,112 |
| Pretax return on assets | 1.6312% | 1,649 |
| Return on Equity (ROE) | 19.6402% | 560 |
| Retained earnings to average equity (ytd only) | 6.6361% | 2,686 |
| Net charge-offs to loans | 0.0027% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 939.8000% | 102 |
| Efficiency ratio | 48.1289% | 4,332 |
| Assets per employee ($millions) | 11.9461% | 354 |
| Cash dividends to net income (ytd only)* | 66.2119% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,176 |
| Loan loss allowance to noncurrent loans | 1,492.0777% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,971 |
| Noncurrent loans to loans | 0.0909% | 3,847 |
| Net loans and leases to total assets | 62.0254% | 2,285 |
| Net loans and leases to deposits | 73.3987% | 2,169 |
| Net loans and leases to core deposits | 80.6015% | 1,949 |
| Total domestic deposits to total assets | 84.5048% | 3,277 |
| Equity capital to assets | 8.2099% | 4,359 |
| Core capital (leverage) ratio | 8.4576% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5220% | 2,076 |
| Memoranda: | ||
| Average total assets | $1,150,334,000 | 850 |
| Average earning assets | $1,049,799,500 | 864 |
| Average equity | $95,538,500 | 1,046 |
| Average total loans | $736,679,500 | 861 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 2,219 |
| Cost of funding earning assets | 0.6634% | 1,909 |
| Net interest margin | 3.5114% | 2,437 |
| Noninterest income to average assets | 0.3013% | 3,670 |
| Noninterest expense to average assets | 1.6424% | 4,674 |
| Loan and lease loss provision to assets | 0.0499% | 3,762 |
| Net operating income to assets | 1.8650% | 340 |
| Return on assets (ROA) | 1.8684% | 364 |
| Pretax return on assets | 1.8684% | 588 |
| Return on Equity (ROE) | 21.5552% | 171 |
| Retained earnings to average equity (ytd only) | 8.3500% | 959 |
| Net charge-offs to loans | 0.0183% | 2,714 |
| Credit loss provision to net charge-offs | 375.5396% | 1,504 |
| Earnings coverage of net charge-offs (x) | 144.1583% | 603 |
| Efficiency ratio | 46.1706% | 4,713 |
| Assets per employee ($millions) | 11.6490% | 345 |
| Cash dividends to net income (ytd only)* | 61.2623% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,171 |
| Loan loss allowance to noncurrent loans | 1,534.1014% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,049 |
| Noncurrent loans to loans | 0.0883% | 3,933 |
| Net loans and leases to total assets | 64.3610% | 2,317 |
| Net loans and leases to deposits | 77.1824% | 2,155 |
| Net loans and leases to core deposits | 87.9270% | 1,701 |
| Total domestic deposits to total assets | 83.3882% | 3,297 |
| Equity capital to assets | 8.4041% | 4,514 |
| Core capital (leverage) ratio | 8.4377% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4545% | 2,067 |
| Memoranda: | ||
| Average total assets | $1,046,432,400 | 846 |
| Average earning assets | $970,316,200 | 841 |
| Average equity | $90,706,600 | 1,050 |
| Average total loans | $758,277,200 | 816 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 2,207 |
| Cost of funding earning assets | 0.7047% | 2,000 |
| Net interest margin | 3.5600% | 2,391 |
| Noninterest income to average assets | 0.3106% | 3,630 |
| Noninterest expense to average assets | 1.6628% | 4,665 |
| Loan and lease loss provision to assets | 0.0679% | 3,481 |
| Net operating income to assets | 1.8901% | 379 |
| Return on assets (ROA) | 1.8954% | 410 |
| Pretax return on assets | 1.8954% | 639 |
| Return on Equity (ROE) | 21.6841% | 183 |
| Retained earnings to average equity (ytd only) | 8.5032% | 1,140 |
| Net charge-offs to loans | 0.0182% | 2,495 |
| Credit loss provision to net charge-offs | 501.9231% | 1,273 |
| Earnings coverage of net charge-offs (x) | 144.8077% | 620 |
| Efficiency ratio | 45.9246% | 4,716 |
| Assets per employee ($millions) | 11.2824% | 366 |
| Cash dividends to net income (ytd only)* | 60.7861% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,039 |
| Loan loss allowance to noncurrent loans | 6,637.0861% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,426 |
| Noncurrent loans to loans | 0.0200% | 4,334 |
| Net loans and leases to total assets | 67.2671% | 2,353 |
| Net loans and leases to deposits | 79.4200% | 2,382 |
| Net loans and leases to core deposits | 91.5572% | 1,835 |
| Total domestic deposits to total assets | 84.6980% | 2,555 |
| Equity capital to assets | 8.4331% | 4,499 |
| Core capital (leverage) ratio | 8.3904% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4249% | 2,026 |
| Memoranda: | ||
| Average total assets | $1,025,553,000 | 845 |
| Average earning assets | $953,567,500 | 840 |
| Average equity | $89,642,750 | 1,050 |
| Average total loans | $763,538,000 | 807 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 2,296 |
| Cost of funding earning assets | 0.7512% | 2,112 |
| Net interest margin | 3.6146% | 2,435 |
| Noninterest income to average assets | 0.2531% | 3,958 |
| Noninterest expense to average assets | 1.7246% | 4,659 |
| Loan and lease loss provision to assets | 0.0953% | 3,080 |
| Net operating income to assets | 1.8401% | 462 |
| Return on assets (ROA) | 1.8485% | 499 |
| Pretax return on assets | 1.8485% | 742 |
| Return on Equity (ROE) | 20.8768% | 208 |
| Retained earnings to average equity (ytd only) | 6.7524% | 1,759 |
| Net charge-offs to loans | 0.0274% | 2,171 |
| Credit loss provision to net charge-offs | 453.3333% | 1,295 |
| Earnings coverage of net charge-offs (x) | 92.0571% | 734 |
| Efficiency ratio | 47.1196% | 4,673 |
| Assets per employee ($millions) | 11.4101% | 356 |
| Cash dividends to net income (ytd only)* | 67.6560% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,103 |
| Loan loss allowance to noncurrent loans | 1,725.7785% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 4,006 |
| Noncurrent loans to loans | 0.0741% | 4,166 |
| Net loans and leases to total assets | 70.2682% | 1,991 |
| Net loans and leases to deposits | 82.8591% | 2,103 |
| Net loans and leases to core deposits | 97.5931% | 1,446 |
| Total domestic deposits to total assets | 84.8044% | 2,472 |
| Equity capital to assets | 8.2641% | 4,604 |
| Core capital (leverage) ratio | 8.4825% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8666% | 2,236 |
| Memoranda: | ||
| Average total assets | $998,845,667 | 854 |
| Average earning assets | $941,450,667 | 838 |
| Average equity | $88,442,667 | 1,050 |
| Average total loans | $766,791,333 | 797 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 2,126 |
| Cost of funding earning assets | 0.8236% | 2,253 |
| Net interest margin | 3.7371% | 2,190 |
| Noninterest income to average assets | 0.2403% | 4,119 |
| Noninterest expense to average assets | 1.8452% | 4,615 |
| Loan and lease loss provision to assets | 0.1161% | 2,236 |
| Net operating income to assets | 1.8645% | 360 |
| Return on assets (ROA) | 1.8801% | 385 |
| Pretax return on assets | 1.8801% | 590 |
| Return on Equity (ROE) | 20.4478% | 148 |
| Retained earnings to average equity (ytd only) | 3.8351% | 2,740 |
| Net charge-offs to loans | 0.0068% | 2,328 |
| Credit loss provision to net charge-offs | 2,123.0769% | 328 |
| Earnings coverage of net charge-offs (x) | 362.0769% | 189 |
| Efficiency ratio | 48.2292% | 4,746 |
| Assets per employee ($millions) | 10.0257% | 380 |
| Cash dividends to net income (ytd only)* | 81.2444% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,172 |
| Loan loss allowance to noncurrent loans | 10,496.8085% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,256 |
| Noncurrent loans to loans | 0.0123% | 4,519 |
| Net loans and leases to total assets | 78.1238% | 961 |
| Net loans and leases to deposits | 92.8362% | 1,199 |
| Net loans and leases to core deposits | 112.7604% | 724 |
| Total domestic deposits to total assets | 84.1524% | 2,735 |
| Equity capital to assets | 9.1229% | 4,521 |
| Core capital (leverage) ratio | 9.4001% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3609% | 2,543 |
| Memoranda: | ||
| Average total assets | $950,584,500 | 865 |
| Average earning assets | $912,042,500 | 830 |
| Average equity | $87,403,000 | 1,055 |
| Average total loans | $760,352,000 | 782 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 2,126 |
| Cost of funding earning assets | 0.8770% | 2,300 |
| Net interest margin | 3.8968% | 2,182 |
| Noninterest income to average assets | 0.2262% | 4,310 |
| Noninterest expense to average assets | 1.7936% | 4,778 |
| Loan and lease loss provision to assets | 0.0733% | 2,530 |
| Net operating income to assets | 2.0744% | 288 |
| Return on assets (ROA) | 2.0698% | 305 |
| Pretax return on assets | 2.0698% | 512 |
| Return on Equity (ROE) | 22.9224% | 114 |
| Retained earnings to average equity (ytd only) | 8.6829% | 790 |
| Net charge-offs to loans | 0.0024% | 3,609 |
| Credit loss provision to net charge-offs | 3,727.7778% | 115 |
| Earnings coverage of net charge-offs (x) | 1,091.7778% | 88 |
| Efficiency ratio | 45.5080% | 4,930 |
| Assets per employee ($millions) | 9.7781% | 380 |
| Cash dividends to net income (ytd only)* | 62.1205% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,084 |
| Loan loss allowance to noncurrent loans | 20,008.3333% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,290 |
| Noncurrent loans to loans | 0.0063% | 4,572 |
| Net loans and leases to total assets | 79.8248% | 814 |
| Net loans and leases to deposits | 95.5190% | 994 |
| Net loans and leases to core deposits | 115.7490% | 608 |
| Total domestic deposits to total assets | 83.5696% | 3,002 |
| Equity capital to assets | 9.2683% | 4,516 |
| Core capital (leverage) ratio | 9.3308% | 4,248 |
| Tier 1 risk-based capital ratio | 12.1068% | 4,301 |
| Total risk-based capital ratio | 13.3580% | 4,184 |
| Memoranda: | ||
| Average total assets | $915,010,600 | 862 |
| Average earning assets | $872,356,600 | 828 |
| Average equity | $82,622,400 | 1,056 |
| Average total loans | $749,558,000 | 763 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 2,210 |
| Cost of funding earning assets | 0.8632% | 2,392 |
| Net interest margin | 3.9080% | 2,223 |
| Noninterest income to average assets | 0.2163% | 4,434 |
| Noninterest expense to average assets | 1.7906% | 4,827 |
| Loan and lease loss provision to assets | 0.0917% | 2,074 |
| Net operating income to assets | 2.0592% | 355 |
| Return on assets (ROA) | 2.0592% | 368 |
| Pretax return on assets | 2.0592% | 603 |
| Return on Equity (ROE) | 22.9609% | 133 |
| Retained earnings to average equity (ytd only) | 8.8197% | 1,096 |
| Net charge-offs to loans | 0.0007% | 3,440 |
| Credit loss provision to net charge-offs | 15,625.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 3,668.4503% | 13 |
| Efficiency ratio | 45.4305% | 4,959 |
| Assets per employee ($millions) | 9.6764% | 383 |
| Cash dividends to net income (ytd only)* | 61.5884% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,215 |
| Loan loss allowance to noncurrent loans | 2,369.3069% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 4,228 |
| Noncurrent loans to loans | 0.0529% | 4,407 |
| Net loans and leases to total assets | 81.1664% | 689 |
| Net loans and leases to deposits | 95.9387% | 1,022 |
| Net loans and leases to core deposits | 119.2055% | 561 |
| Total domestic deposits to total assets | 84.6024% | 2,580 |
| Equity capital to assets | 9.1594% | 4,692 |
| Core capital (leverage) ratio | 9.2208% | 4,462 |
| Tier 1 risk-based capital ratio | 11.8225% | 4,506 |
| Total risk-based capital ratio | 13.0735% | 4,393 |
| Memoranda: | ||
| Average total assets | $909,088,750 | 869 |
| Average earning assets | $866,552,250 | 837 |
| Average equity | $81,527,750 | 1,069 |
| Average total loans | $747,218,000 | 763 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 2,286 |
| Cost of funding earning assets | 0.8371% | 2,463 |
| Net interest margin | 3.8883% | 2,276 |
| Noninterest income to average assets | 0.2079% | 4,498 |
| Noninterest expense to average assets | 1.8101% | 4,865 |
| Loan and lease loss provision to assets | 0.1141% | 1,644 |
| Net operating income to assets | 1.9790% | 401 |
| Return on assets (ROA) | 1.9790% | 422 |
| Pretax return on assets | 1.9790% | 701 |
| Return on Equity (ROE) | 22.2300% | 158 |
| Retained earnings to average equity (ytd only) | 7.9684% | 1,411 |
| Net charge-offs to loans | 0.0011% | 3,146 |
| Credit loss provision to net charge-offs | 12,875.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 2,361.2500% | 23 |
| Efficiency ratio | 46.3748% | 4,972 |
| Assets per employee ($millions) | 9.6035% | 378 |
| Cash dividends to net income (ytd only)* | 64.1545% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,279 |
| Loan loss allowance to noncurrent loans | 2,160.2740% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,525 |
| Noncurrent loans to loans | 0.0577% | 4,424 |
| Net loans and leases to total assets | 82.1876% | 577 |
| Net loans and leases to deposits | 97.2531% | 916 |
| Net loans and leases to core deposits | 120.0655% | 547 |
| Total domestic deposits to total assets | 84.5090% | 2,681 |
| Equity capital to assets | 9.0632% | 4,762 |
| Core capital (leverage) ratio | 9.2413% | 4,416 |
| Tier 1 risk-based capital ratio | 11.6817% | 4,586 |
| Total risk-based capital ratio | 12.9328% | 4,488 |
| Memoranda: | ||
| Average total assets | $902,473,670 | 870 |
| Average earning assets | $857,691,670 | 842 |
| Average equity | $80,342,000 | 1,081 |
| Average total loans | $741,772,670 | 767 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 2,325 |
| Cost of funding earning assets | 0.8158% | 2,444 |
| Net interest margin | 3.8517% | 2,337 |
| Noninterest income to average assets | 0.2001% | 4,562 |
| Noninterest expense to average assets | 1.8370% | 4,878 |
| Loan and lease loss provision to assets | 0.1448% | 1,177 |
| Net operating income to assets | 1.8624% | 495 |
| Return on assets (ROA) | 1.8624% | 510 |
| Pretax return on assets | 1.8624% | 855 |
| Return on Equity (ROE) | 21.1141% | 208 |
| Retained earnings to average equity (ytd only) | 6.4216% | 2,272 |
| Net charge-offs to loans | -0.0005% | 3,793 |
| Credit loss provision to net charge-offs | -32,500.0000% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7858% | 4,950 |
| Assets per employee ($millions) | 9.4908% | 402 |
| Cash dividends to net income (ytd only)* | 69.5860% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,362 |
| Loan loss allowance to noncurrent loans | 2,262.6829% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,605 |
| Noncurrent loans to loans | 0.0550% | 4,522 |
| Net loans and leases to total assets | 80.8736% | 726 |
| Net loans and leases to deposits | 95.6187% | 1,008 |
| Net loans and leases to core deposits | 119.1522% | 552 |
| Total domestic deposits to total assets | 84.5793% | 2,826 |
| Equity capital to assets | 8.7940% | 4,826 |
| Core capital (leverage) ratio | 9.2166% | 4,453 |
| Tier 1 risk-based capital ratio | 11.5540% | 4,718 |
| Total risk-based capital ratio | 12.8050% | 4,601 |
| Memoranda: | ||
| Average total assets | $897,545,500 | 876 |
| Average earning assets | $849,189,000 | 853 |
| Average equity | $79,170,000 | 1,083 |
| Average total loans | $733,017,000 | 776 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,767 |
| Cost of funding earning assets | 0.6516% | 2,382 |
| Net interest margin | 3.7458% | 2,874 |
| Noninterest income to average assets | 0.2172% | 4,611 |
| Noninterest expense to average assets | 1.7739% | 5,027 |
| Loan and lease loss provision to assets | 0.0426% | 3,336 |
| Net operating income to assets | 1.9187% | 426 |
| Return on assets (ROA) | 1.9187% | 422 |
| Pretax return on assets | 1.9187% | 683 |
| Return on Equity (ROE) | 22.1640% | 151 |
| Retained earnings to average equity (ytd only) | 8.0330% | 1,220 |
| Net charge-offs to loans | -0.0097% | 4,481 |
| Credit loss provision to net charge-offs | -552.2388% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4926% | 5,064 |
| Assets per employee ($millions) | 9.3050% | 418 |
| Cash dividends to net income (ytd only)* | 63.7563% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,334 |
| Loan loss allowance to noncurrent loans | 3,429.1188% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,713 |
| Noncurrent loans to loans | 0.0363% | 4,607 |
| Net loans and leases to total assets | 80.4270% | 875 |
| Net loans and leases to deposits | 94.9385% | 1,176 |
| Net loans and leases to core deposits | 118.3896% | 606 |
| Total domestic deposits to total assets | 84.7148% | 2,764 |
| Equity capital to assets | 8.8482% | 4,695 |
| Core capital (leverage) ratio | 9.2140% | 4,437 |
| Tier 1 risk-based capital ratio | 12.0296% | 4,416 |
| Total risk-based capital ratio | 13.2809% | 4,299 |
| Memoranda: | ||
| Average total assets | $869,135,800 | 879 |
| Average earning assets | $816,265,800 | 860 |
| Average equity | $75,239,200 | 1,088 |
| Average total loans | $690,149,600 | 796 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 2,902 |
| Cost of funding earning assets | 0.6187% | 2,350 |
| Net interest margin | 3.6986% | 3,027 |
| Noninterest income to average assets | 0.2188% | 4,655 |
| Noninterest expense to average assets | 1.7632% | 5,074 |
| Loan and lease loss provision to assets | 0.0065% | 3,845 |
| Net operating income to assets | 1.9278% | 452 |
| Return on assets (ROA) | 1.9278% | 450 |
| Pretax return on assets | 1.9278% | 771 |
| Return on Equity (ROE) | 22.3956% | 155 |
| Retained earnings to average equity (ytd only) | 8.3923% | 1,474 |
| Net charge-offs to loans | -0.0018% | 4,074 |
| Credit loss provision to net charge-offs | -466.6667% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6875% | 5,064 |
| Assets per employee ($millions) | 9.2300% | 411 |
| Cash dividends to net income (ytd only)* | 62.5270% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,393 |
| Loan loss allowance to noncurrent loans | 4,078.0952% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 4,866 |
| Noncurrent loans to loans | 0.0305% | 4,753 |
| Net loans and leases to total assets | 77.6046% | 1,399 |
| Net loans and leases to deposits | 92.6098% | 1,553 |
| Net loans and leases to core deposits | 111.8208% | 917 |
| Total domestic deposits to total assets | 83.7974% | 3,014 |
| Equity capital to assets | 8.7375% | 4,769 |
| Core capital (leverage) ratio | 8.9419% | 4,757 |
| Tier 1 risk-based capital ratio | 12.0990% | 4,448 |
| Total risk-based capital ratio | 13.3500% | 4,336 |
| Memoranda: | ||
| Average total assets | $865,426,500 | 876 |
| Average earning assets | $813,989,500 | 859 |
| Average equity | $74,495,000 | 1,098 |
| Average total loans | $682,711,250 | 808 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,000 |
| Cost of funding earning assets | 0.5626% | 2,496 |
| Net interest margin | 3.6713% | 3,038 |
| Noninterest income to average assets | 0.2175% | 4,721 |
| Noninterest expense to average assets | 1.7597% | 5,141 |
| Loan and lease loss provision to assets | 0.0012% | 3,775 |
| Net operating income to assets | 1.9059% | 465 |
| Return on assets (ROA) | 1.9059% | 461 |
| Pretax return on assets | 1.9059% | 760 |
| Return on Equity (ROE) | 22.2554% | 153 |
| Retained earnings to average equity (ytd only) | 8.3888% | 1,454 |
| Net charge-offs to loans | -0.0056% | 4,132 |
| Credit loss provision to net charge-offs | -26.3158% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9901% | 5,118 |
| Assets per employee ($millions) | 9.5067% | 375 |
| Cash dividends to net income (ytd only)* | 62.3067% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,472 |
| Loan loss allowance to noncurrent loans | 3,027.3050% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,872 |
| Noncurrent loans to loans | 0.0411% | 4,732 |
| Net loans and leases to total assets | 75.9113% | 1,652 |
| Net loans and leases to deposits | 92.1951% | 1,560 |
| Net loans and leases to core deposits | 111.2375% | 920 |
| Total domestic deposits to total assets | 82.3377% | 3,619 |
| Equity capital to assets | 8.4242% | 4,998 |
| Core capital (leverage) ratio | 9.1764% | 4,493 |
| Tier 1 risk-based capital ratio | 11.8803% | 4,570 |
| Total risk-based capital ratio | 13.1313% | 4,449 |
| Memoranda: | ||
| Average total assets | $861,620,000 | 885 |
| Average earning assets | $809,522,000 | 869 |
| Average equity | $73,788,670 | 1,107 |
| Average total loans | $680,602,670 | 808 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 2,615 |
| Cost of funding earning assets | 0.5396% | 2,481 |
| Net interest margin | 3.7369% | 2,658 |
| Noninterest income to average assets | 0.2157% | 4,719 |
| Noninterest expense to average assets | 1.7980% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9262% | 429 |
| Return on assets (ROA) | 1.9262% | 429 |
| Pretax return on assets | 1.9262% | 681 |
| Return on Equity (ROE) | 22.2993% | 155 |
| Retained earnings to average equity (ytd only) | 8.5649% | 1,630 |
| Net charge-offs to loans | -0.0089% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2789% | 5,181 |
| Assets per employee ($millions) | 8.8270% | 476 |
| Cash dividends to net income (ytd only)* | 61.5914% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,387 |
| Loan loss allowance to noncurrent loans | 812.1905% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 4,448 |
| Noncurrent loans to loans | 0.1567% | 4,280 |
| Net loans and leases to total assets | 79.7293% | 973 |
| Net loans and leases to deposits | 92.8259% | 1,353 |
| Net loans and leases to core deposits | 109.6183% | 1,025 |
| Total domestic deposits to total assets | 85.8913% | 2,593 |
| Equity capital to assets | 8.8884% | 4,672 |
| Core capital (leverage) ratio | 9.0680% | 4,607 |
| Tier 1 risk-based capital ratio | 12.0314% | 4,529 |
| Total risk-based capital ratio | 13.2829% | 4,420 |
| Memoranda: | ||
| Average total assets | $845,617,000 | 900 |
| Average earning assets | $793,927,000 | 888 |
| Average equity | $73,042,500 | 1,123 |
| Average total loans | $677,454,000 | 810 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 2,959 |
| Cost of funding earning assets | 0.5212% | 2,168 |
| Net interest margin | 3.6067% | 3,143 |
| Noninterest income to average assets | 0.2247% | 4,802 |
| Noninterest expense to average assets | 1.6956% | 5,337 |
| Loan and lease loss provision to assets | 0.1029% | 2,169 |
| Net operating income to assets | 1.8050% | 417 |
| Return on assets (ROA) | 1.8050% | 425 |
| Pretax return on assets | 1.8050% | 786 |
| Return on Equity (ROE) | 21.5789% | 140 |
| Retained earnings to average equity (ytd only) | 6.1157% | 1,473 |
| Net charge-offs to loans | 0.0459% | 2,864 |
| Credit loss provision to net charge-offs | 290.0000% | 971 |
| Earnings coverage of net charge-offs (x) | 53.7567% | 1,038 |
| Efficiency ratio | 47.0534% | 5,357 |
| Assets per employee ($millions) | 9.1795% | 426 |
| Cash dividends to net income (ytd only)* | 71.6589% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,529 |
| Loan loss allowance to noncurrent loans | 7,153.7815% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,044 |
| Noncurrent loans to loans | 0.0173% | 4,947 |
| Net loans and leases to total assets | 78.5398% | 1,212 |
| Net loans and leases to deposits | 92.1915% | 1,494 |
| Net loans and leases to core deposits | 107.0892% | 1,205 |
| Total domestic deposits to total assets | 85.1920% | 2,760 |
| Equity capital to assets | 8.3831% | 5,201 |
| Core capital (leverage) ratio | 8.7171% | 4,933 |
| Tier 1 risk-based capital ratio | 11.5458% | 4,819 |
| Total risk-based capital ratio | 12.7969% | 4,715 |
| Memoranda: | ||
| Average total assets | $845,269,800 | 882 |
| Average earning assets | $791,858,800 | 871 |
| Average equity | $70,703,400 | 1,125 |
| Average total loans | $654,156,200 | 800 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,976 |
| Cost of funding earning assets | 0.5171% | 2,134 |
| Net interest margin | 3.5848% | 3,212 |
| Noninterest income to average assets | 0.2334% | 4,817 |
| Noninterest expense to average assets | 1.6904% | 5,378 |
| Loan and lease loss provision to assets | 0.0690% | 2,696 |
| Net operating income to assets | 1.8320% | 439 |
| Return on assets (ROA) | 1.8320% | 448 |
| Pretax return on assets | 1.8320% | 818 |
| Return on Equity (ROE) | 21.9146% | 143 |
| Retained earnings to average equity (ytd only) | 6.8775% | 1,753 |
| Net charge-offs to loans | 0.0555% | 2,339 |
| Credit loss provision to net charge-offs | 161.7100% | 1,588 |
| Earnings coverage of net charge-offs (x) | 44.5685% | 1,208 |
| Efficiency ratio | 47.0684% | 5,383 |
| Assets per employee ($millions) | 9.3496% | 383 |
| Cash dividends to net income (ytd only)* | 68.6169% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,690 |
| Loan loss allowance to noncurrent loans | 1,599.4083% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,937 |
| Noncurrent loans to loans | 0.0775% | 4,767 |
| Net loans and leases to total assets | 75.9090% | 1,601 |
| Net loans and leases to deposits | 88.8721% | 1,943 |
| Net loans and leases to core deposits | 102.7748% | 1,485 |
| Total domestic deposits to total assets | 85.4138% | 2,552 |
| Equity capital to assets | 8.5623% | 5,248 |
| Core capital (leverage) ratio | 8.6244% | 5,130 |
| Tier 1 risk-based capital ratio | 11.8151% | 4,755 |
| Total risk-based capital ratio | 13.0661% | 4,625 |
| Memoranda: | ||
| Average total assets | $840,869,250 | 892 |
| Average earning assets | $787,677,750 | 877 |
| Average equity | $70,295,500 | 1,141 |
| Average total loans | $646,142,500 | 816 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 2,967 |
| Cost of funding earning assets | 0.5115% | 2,077 |
| Net interest margin | 3.5511% | 3,207 |
| Noninterest income to average assets | 0.2383% | 4,814 |
| Noninterest expense to average assets | 1.6890% | 5,423 |
| Loan and lease loss provision to assets | 0.0575% | 2,822 |
| Net operating income to assets | 1.8191% | 438 |
| Return on assets (ROA) | 1.8191% | 451 |
| Pretax return on assets | 1.8191% | 801 |
| Return on Equity (ROE) | 21.9399% | 141 |
| Retained earnings to average equity (ytd only) | 7.2000% | 1,499 |
| Net charge-offs to loans | 0.0460% | 2,293 |
| Credit loss provision to net charge-offs | 162.8378% | 1,445 |
| Earnings coverage of net charge-offs (x) | 53.1014% | 1,030 |
| Efficiency ratio | 47.3681% | 5,422 |
| Assets per employee ($millions) | 9.2323% | 389 |
| Cash dividends to net income (ytd only)* | 67.1830% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,745 |
| Loan loss allowance to noncurrent loans | 1,623.4343% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,968 |
| Noncurrent loans to loans | 0.0765% | 4,827 |
| Net loans and leases to total assets | 76.0705% | 1,541 |
| Net loans and leases to deposits | 88.7870% | 1,891 |
| Net loans and leases to core deposits | 103.1968% | 1,422 |
| Total domestic deposits to total assets | 85.6775% | 2,533 |
| Equity capital to assets | 8.5265% | 5,287 |
| Core capital (leverage) ratio | 8.6400% | 5,098 |
| Tier 1 risk-based capital ratio | 11.8129% | 4,750 |
| Total risk-based capital ratio | 13.0639% | 4,639 |
| Memoranda: | ||
| Average total assets | $837,553,670 | 900 |
| Average earning assets | $784,765,000 | 886 |
| Average equity | $69,444,330 | 1,150 |
| Average total loans | $643,538,330 | 819 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 2,990 |
| Cost of funding earning assets | 0.5078% | 2,020 |
| Net interest margin | 3.5039% | 3,259 |
| Noninterest income to average assets | 0.2473% | 4,765 |
| Noninterest expense to average assets | 1.7219% | 5,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8028% | 444 |
| Return on assets (ROA) | 1.8028% | 458 |
| Pretax return on assets | 1.8028% | 795 |
| Return on Equity (ROE) | 22.0572% | 150 |
| Retained earnings to average equity (ytd only) | 7.4265% | 1,686 |
| Net charge-offs to loans | 0.0062% | 2,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 376.9000% | 151 |
| Efficiency ratio | 48.8533% | 5,428 |
| Assets per employee ($millions) | 9.1192% | 403 |
| Cash dividends to net income (ytd only)* | 66.3306% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,897 |
| Loan loss allowance to noncurrent loans | 3,813.9423% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,218 |
| Noncurrent loans to loans | 0.0325% | 5,076 |
| Net loans and leases to total assets | 77.1025% | 1,254 |
| Net loans and leases to deposits | 89.4538% | 1,603 |
| Net loans and leases to core deposits | 104.2451% | 1,207 |
| Total domestic deposits to total assets | 86.1926% | 2,583 |
| Equity capital to assets | 8.4599% | 5,266 |
| Core capital (leverage) ratio | 8.5342% | 5,207 |
| Tier 1 risk-based capital ratio | 11.7134% | 4,906 |
| Total risk-based capital ratio | 12.9643% | 4,800 |
| Memoranda: | ||
| Average total assets | $836,261,500 | 904 |
| Average earning assets | $782,206,000 | 893 |
| Average equity | $68,349,500 | 1,166 |
| Average total loans | $641,741,000 | 820 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 2,996 |
| Cost of funding earning assets | 0.4775% | 2,279 |
| Net interest margin | 3.5798% | 3,138 |
| Noninterest income to average assets | 0.2643% | 4,839 |
| Noninterest expense to average assets | 1.7405% | 5,524 |
| Loan and lease loss provision to assets | 0.1230% | 2,010 |
| Net operating income to assets | 1.7692% | 469 |
| Return on assets (ROA) | 1.7800% | 479 |
| Pretax return on assets | 1.7800% | 842 |
| Return on Equity (ROE) | 21.0971% | 175 |
| Retained earnings to average equity (ytd only) | 5.7540% | 1,850 |
| Net charge-offs to loans | 0.0452% | 3,135 |
| Credit loss provision to net charge-offs | 354.8736% | 863 |
| Earnings coverage of net charge-offs (x) | 54.5957% | 957 |
| Efficiency ratio | 47.9110% | 5,576 |
| Assets per employee ($millions) | 9.3603% | 381 |
| Cash dividends to net income (ytd only)* | 72.7260% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,902 |
| Loan loss allowance to noncurrent loans | 3,380.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,269 |
| Noncurrent loans to loans | 0.0366% | 5,112 |
| Net loans and leases to total assets | 74.5254% | 1,766 |
| Net loans and leases to deposits | 87.0807% | 2,039 |
| Net loans and leases to core deposits | 101.8068% | 1,455 |
| Total domestic deposits to total assets | 85.5820% | 2,791 |
| Equity capital to assets | 7.8970% | 5,606 |
| Core capital (leverage) ratio | 8.4236% | 5,343 |
| Tier 1 risk-based capital ratio | 11.4953% | 5,059 |
| Total risk-based capital ratio | 12.7461% | 4,960 |
| Memoranda: | ||
| Average total assets | $799,218,400 | 908 |
| Average earning assets | $752,025,600 | 888 |
| Average equity | $67,431,000 | 1,158 |
| Average total loans | $613,053,600 | 812 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,000 |
| Cost of funding earning assets | 0.4659% | 2,413 |
| Net interest margin | 3.5961% | 3,089 |
| Noninterest income to average assets | 0.2622% | 4,894 |
| Noninterest expense to average assets | 1.7728% | 5,545 |
| Loan and lease loss provision to assets | 0.1053% | 2,171 |
| Net operating income to assets | 1.7772% | 509 |
| Return on assets (ROA) | 1.7918% | 526 |
| Pretax return on assets | 1.7918% | 912 |
| Return on Equity (ROE) | 20.8752% | 198 |
| Retained earnings to average equity (ytd only) | 5.9994% | 2,186 |
| Net charge-offs to loans | 0.0174% | 3,371 |
| Credit loss provision to net charge-offs | 786.0759% | 515 |
| Earnings coverage of net charge-offs (x) | 140.4946% | 493 |
| Efficiency ratio | 48.4989% | 5,575 |
| Assets per employee ($millions) | 9.0408% | 402 |
| Cash dividends to net income (ytd only)* | 71.2609% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,021 |
| Loan loss allowance to noncurrent loans | 716.2983% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,892 |
| Noncurrent loans to loans | 0.1729% | 4,663 |
| Net loans and leases to total assets | 77.0933% | 1,342 |
| Net loans and leases to deposits | 91.1518% | 1,615 |
| Net loans and leases to core deposits | 103.4779% | 1,381 |
| Total domestic deposits to total assets | 84.5768% | 2,998 |
| Equity capital to assets | 8.6421% | 5,439 |
| Core capital (leverage) ratio | 8.8103% | 5,041 |
| Tier 1 risk-based capital ratio | 11.5321% | 5,070 |
| Total risk-based capital ratio | 12.7828% | 4,982 |
| Memoranda: | ||
| Average total assets | $786,075,250 | 920 |
| Average earning assets | $741,718,750 | 896 |
| Average equity | $67,472,250 | 1,165 |
| Average total loans | $605,631,000 | 819 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 2,984 |
| Cost of funding earning assets | 0.4605% | 2,472 |
| Net interest margin | 3.6125% | 3,047 |
| Noninterest income to average assets | 0.2685% | 4,863 |
| Noninterest expense to average assets | 1.8079% | 5,585 |
| Loan and lease loss provision to assets | 0.0877% | 2,392 |
| Net operating income to assets | 1.7890% | 482 |
| Return on assets (ROA) | 1.8110% | 493 |
| Pretax return on assets | 1.8110% | 863 |
| Return on Equity (ROE) | 21.1488% | 188 |
| Retained earnings to average equity (ytd only) | 6.9987% | 1,600 |
| Net charge-offs to loans | 0.0124% | 3,298 |
| Credit loss provision to net charge-offs | 924.3243% | 399 |
| Earnings coverage of net charge-offs (x) | 197.7838% | 331 |
| Efficiency ratio | 49.0674% | 5,616 |
| Assets per employee ($millions) | 8.6233% | 456 |
| Cash dividends to net income (ytd only)* | 66.9074% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 3,129 |
| Loan loss allowance to noncurrent loans | 850.2818% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 5,048 |
| Noncurrent loans to loans | 0.1459% | 4,849 |
| Net loans and leases to total assets | 78.2142% | 1,171 |
| Net loans and leases to deposits | 91.4469% | 1,582 |
| Net loans and leases to core deposits | 102.9430% | 1,405 |
| Total domestic deposits to total assets | 85.5297% | 2,633 |
| Equity capital to assets | 8.9323% | 5,289 |
| Core capital (leverage) ratio | 8.7371% | 5,127 |
| Tier 1 risk-based capital ratio | 11.7532% | 5,005 |
| Total risk-based capital ratio | 13.0041% | 4,885 |
| Memoranda: | ||
| Average total assets | $779,889,330 | 924 |
| Average earning assets | $737,493,670 | 900 |
| Average equity | $66,784,000 | 1,178 |
| Average total loans | $598,142,330 | 824 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,117 |
| Cost of funding earning assets | 0.4481% | 2,605 |
| Net interest margin | 3.5809% | 3,163 |
| Noninterest income to average assets | 0.2580% | 4,886 |
| Noninterest expense to average assets | 1.7886% | 5,667 |
| Loan and lease loss provision to assets | 0.1145% | 1,829 |
| Net operating income to assets | 1.7219% | 546 |
| Return on assets (ROA) | 1.7219% | 580 |
| Pretax return on assets | 1.7219% | 1,012 |
| Return on Equity (ROE) | 20.5404% | 210 |
| Retained earnings to average equity (ytd only) | 6.1245% | 2,319 |
| Net charge-offs to loans | 0.0169% | 2,597 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 144.3600% | 413 |
| Efficiency ratio | 49.3403% | 5,660 |
| Assets per employee ($millions) | 8.6004% | 456 |
| Cash dividends to net income (ytd only)* | 70.1832% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 3,233 |
| Loan loss allowance to noncurrent loans | 2,927.9528% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 5,514 |
| Noncurrent loans to loans | 0.0425% | 5,322 |
| Net loans and leases to total assets | 75.4111% | 1,486 |
| Net loans and leases to deposits | 87.1942% | 1,920 |
| Net loans and leases to core deposits | 98.3073% | 1,612 |
| Total domestic deposits to total assets | 86.4864% | 2,453 |
| Equity capital to assets | 8.5413% | 5,538 |
| Core capital (leverage) ratio | 8.6116% | 5,281 |
| Tier 1 risk-based capital ratio | 11.5365% | 5,219 |
| Total risk-based capital ratio | 12.7871% | 5,116 |
| Memoranda: | ||
| Average total assets | $786,097,000 | 919 |
| Average earning assets | $739,139,500 | 902 |
| Average equity | $65,899,500 | 1,188 |
| Average total loans | $593,305,500 | 829 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,715 |
| Cost of funding earning assets | 0.4727% | 2,415 |
| Net interest margin | 3.4244% | 3,820 |
| Noninterest income to average assets | 0.2626% | 5,009 |
| Noninterest expense to average assets | 1.7412% | 5,812 |
| Loan and lease loss provision to assets | 0.1019% | 2,283 |
| Net operating income to assets | 1.6167% | 675 |
| Return on assets (ROA) | 1.6179% | 698 |
| Pretax return on assets | 1.6179% | 1,200 |
| Return on Equity (ROE) | 19.5306% | 273 |
| Retained earnings to average equity (ytd only) | 5.5394% | 2,058 |
| Net charge-offs to loans | -0.0051% | 4,985 |
| Credit loss provision to net charge-offs | -2,767.8571% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3268% | 5,744 |
| Assets per employee ($millions) | 8.8715% | 398 |
| Cash dividends to net income (ytd only)* | 71.6375% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 3,302 |
| Loan loss allowance to noncurrent loans | 1,456.1368% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 5,397 |
| Noncurrent loans to loans | 0.0844% | 5,163 |
| Net loans and leases to total assets | 73.6795% | 1,778 |
| Net loans and leases to deposits | 85.3826% | 2,199 |
| Net loans and leases to core deposits | 95.1901% | 1,924 |
| Total domestic deposits to total assets | 86.2934% | 2,495 |
| Equity capital to assets | 8.2264% | 5,748 |
| Core capital (leverage) ratio | 8.3711% | 5,553 |
| Tier 1 risk-based capital ratio | 11.3359% | 5,357 |
| Total risk-based capital ratio | 12.5860% | 5,247 |
| Memoranda: | ||
| Average total assets | $760,550,200 | 913 |
| Average earning assets | $710,109,600 | 895 |
| Average equity | $63,003,600 | 1,198 |
| Average total loans | $546,773,000 | 858 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,860 |
| Cost of funding earning assets | 0.4754% | 2,452 |
| Net interest margin | 3.3927% | 3,991 |
| Noninterest income to average assets | 0.2715% | 4,995 |
| Noninterest expense to average assets | 1.7597% | 5,834 |
| Loan and lease loss provision to assets | 0.0738% | 2,693 |
| Net operating income to assets | 1.6045% | 763 |
| Return on assets (ROA) | 1.6045% | 791 |
| Pretax return on assets | 1.6045% | 1,368 |
| Return on Equity (ROE) | 19.3331% | 317 |
| Retained earnings to average equity (ytd only) | 5.5984% | 2,523 |
| Net charge-offs to loans | -0.0057% | 4,848 |
| Credit loss provision to net charge-offs | -1,813.0435% | 5,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1841% | 5,709 |
| Assets per employee ($millions) | 8.6468% | 420 |
| Cash dividends to net income (ytd only)* | 71.0425% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 3,471 |
| Loan loss allowance to noncurrent loans | 2,196.1661% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,600 |
| Noncurrent loans to loans | 0.0561% | 5,395 |
| Net loans and leases to total assets | 70.0692% | 2,373 |
| Net loans and leases to deposits | 80.4546% | 2,823 |
| Net loans and leases to core deposits | 89.6374% | 2,499 |
| Total domestic deposits to total assets | 87.0917% | 1,990 |
| Equity capital to assets | 8.1641% | 5,892 |
| Core capital (leverage) ratio | 8.4563% | 5,584 |
| Tier 1 risk-based capital ratio | 11.9261% | 5,124 |
| Total risk-based capital ratio | 13.1761% | 5,045 |
| Memoranda: | ||
| Average total assets | $753,297,750 | 926 |
| Average earning assets | $703,050,750 | 910 |
| Average equity | $62,516,500 | 1,215 |
| Average total loans | $536,221,000 | 885 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,811 |
| Cost of funding earning assets | 0.4769% | 2,458 |
| Net interest margin | 3.3894% | 3,939 |
| Noninterest income to average assets | 0.2679% | 5,039 |
| Noninterest expense to average assets | 1.7900% | 5,866 |
| Loan and lease loss provision to assets | 0.0641% | 2,837 |
| Net operating income to assets | 1.5723% | 793 |
| Return on assets (ROA) | 1.5723% | 821 |
| Pretax return on assets | 1.5723% | 1,420 |
| Return on Equity (ROE) | 18.8370% | 348 |
| Retained earnings to average equity (ytd only) | 5.1015% | 2,793 |
| Net charge-offs to loans | 0.0136% | 3,452 |
| Credit loss provision to net charge-offs | 661.1111% | 509 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 391 |
| Efficiency ratio | 52.2416% | 5,696 |
| Assets per employee ($millions) | 8.1757% | 491 |
| Cash dividends to net income (ytd only)* | 72.9174% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,611 |
| Loan loss allowance to noncurrent loans | 12,065.4545% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,825 |
| Noncurrent loans to loans | 0.0102% | 5,726 |
| Net loans and leases to total assets | 71.4844% | 2,073 |
| Net loans and leases to deposits | 83.1948% | 2,416 |
| Net loans and leases to core deposits | 94.1934% | 1,944 |
| Total domestic deposits to total assets | 85.9240% | 2,727 |
| Equity capital to assets | 8.4064% | 5,753 |
| Core capital (leverage) ratio | 8.5626% | 5,477 |
| Tier 1 risk-based capital ratio | 12.3062% | 4,935 |
| Total risk-based capital ratio | 13.5567% | 4,835 |
| Memoranda: | ||
| Average total assets | $742,109,330 | 939 |
| Average earning assets | $691,575,000 | 929 |
| Average equity | $61,942,000 | 1,228 |
| Average total loans | $528,887,000 | 899 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,888 |
| Cost of funding earning assets | 0.4768% | 2,487 |
| Net interest margin | 3.3542% | 4,006 |
| Noninterest income to average assets | 0.2596% | 5,102 |
| Noninterest expense to average assets | 1.8020% | 5,900 |
| Loan and lease loss provision to assets | 0.0432% | 3,050 |
| Net operating income to assets | 1.5392% | 789 |
| Return on assets (ROA) | 1.5392% | 831 |
| Pretax return on assets | 1.5392% | 1,428 |
| Return on Equity (ROE) | 18.5069% | 348 |
| Retained earnings to average equity (ytd only) | 4.8733% | 3,127 |
| Net charge-offs to loans | 0.0259% | 2,647 |
| Credit loss provision to net charge-offs | 235.2941% | 950 |
| Earnings coverage of net charge-offs (x) | 86.2353% | 558 |
| Efficiency ratio | 53.2451% | 5,731 |
| Assets per employee ($millions) | 8.1802% | 506 |
| Cash dividends to net income (ytd only)* | 73.6676% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 3,766 |
| Loan loss allowance to noncurrent loans | 92,571.4286% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 5,912 |
| Noncurrent loans to loans | 0.0013% | 5,820 |
| Net loans and leases to total assets | 68.8635% | 2,308 |
| Net loans and leases to deposits | 79.2947% | 2,641 |
| Net loans and leases to core deposits | 89.3121% | 2,199 |
| Total domestic deposits to total assets | 86.8450% | 2,456 |
| Equity capital to assets | 8.2785% | 5,884 |
| Core capital (leverage) ratio | 8.5801% | 5,447 |
| Tier 1 risk-based capital ratio | 12.3460% | 5,012 |
| Total risk-based capital ratio | 13.5964% | 4,928 |
| Memoranda: | ||
| Average total assets | $741,171,500 | 937 |
| Average earning assets | $690,475,000 | 929 |
| Average equity | $61,642,000 | 1,239 |
| Average total loans | $524,096,000 | 898 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,581 |
| Cost of funding earning assets | 0.4995% | 2,684 |
| Net interest margin | 3.5345% | 3,665 |
| Noninterest income to average assets | 0.2717% | 5,179 |
| Noninterest expense to average assets | 1.7801% | 6,092 |
| Loan and lease loss provision to assets | 0.1194% | 2,186 |
| Net operating income to assets | 1.6685% | 614 |
| Return on assets (ROA) | 1.6763% | 631 |
| Pretax return on assets | 1.6763% | 1,038 |
| Return on Equity (ROE) | 20.2715% | 236 |
| Retained earnings to average equity (ytd only) | 6.2147% | 1,801 |
| Net charge-offs to loans | 0.0907% | 3,203 |
| Credit loss provision to net charge-offs | 181.7597% | 1,337 |
| Earnings coverage of net charge-offs (x) | 27.2275% | 1,439 |
| Efficiency ratio | 49.8914% | 6,100 |
| Assets per employee ($millions) | 7.9322% | 545 |
| Cash dividends to net income (ytd only)* | 69.3426% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 3,834 |
| Loan loss allowance to noncurrent loans | 1,688.7139% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,787 |
| Noncurrent loans to loans | 0.0728% | 5,586 |
| Net loans and leases to total assets | 70.8483% | 2,100 |
| Net loans and leases to deposits | 81.6557% | 2,522 |
| Net loans and leases to core deposits | 92.6251% | 2,029 |
| Total domestic deposits to total assets | 86.7647% | 2,407 |
| Equity capital to assets | 8.3564% | 5,859 |
| Core capital (leverage) ratio | 8.5213% | 5,540 |
| Tier 1 risk-based capital ratio | 12.8254% | 4,843 |
| Total risk-based capital ratio | 14.0754% | 4,753 |
| Memoranda: | ||
| Average total assets | $709,672,000 | 945 |
| Average earning assets | $661,842,600 | 929 |
| Average equity | $58,683,400 | 1,243 |
| Average total loans | $513,837,400 | 864 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,640 |
| Cost of funding earning assets | 0.5003% | 2,760 |
| Net interest margin | 3.5304% | 3,713 |
| Noninterest income to average assets | 0.2766% | 5,226 |
| Noninterest expense to average assets | 1.7597% | 6,142 |
| Loan and lease loss provision to assets | 0.1550% | 1,605 |
| Net operating income to assets | 1.6543% | 671 |
| Return on assets (ROA) | 1.6634% | 688 |
| Pretax return on assets | 1.6634% | 1,152 |
| Return on Equity (ROE) | 20.1709% | 272 |
| Retained earnings to average equity (ytd only) | 6.3833% | 2,171 |
| Net charge-offs to loans | 0.0756% | 3,118 |
| Credit loss provision to net charge-offs | 282.4138% | 951 |
| Earnings coverage of net charge-offs (x) | 32.9721% | 1,290 |
| Efficiency ratio | 49.3055% | 6,126 |
| Assets per employee ($millions) | 7.9655% | 529 |
| Cash dividends to net income (ytd only)* | 68.3540% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 4,064 |
| Loan loss allowance to noncurrent loans | 1,869.8864% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 5,904 |
| Noncurrent loans to loans | 0.0659% | 5,752 |
| Net loans and leases to total assets | 72.0280% | 1,845 |
| Net loans and leases to deposits | 83.3141% | 2,254 |
| Net loans and leases to core deposits | 95.6986% | 1,699 |
| Total domestic deposits to total assets | 86.4536% | 2,611 |
| Equity capital to assets | 8.1419% | 6,049 |
| Core capital (leverage) ratio | 8.5197% | 5,640 |
| Tier 1 risk-based capital ratio | 12.3514% | 5,265 |
| Total risk-based capital ratio | 13.6014% | 5,196 |
| Memoranda: | ||
| Average total assets | $704,649,250 | 958 |
| Average earning assets | $657,139,250 | 944 |
| Average equity | $58,108,750 | 1,263 |
| Average total loans | $511,432,000 | 873 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,590 |
| Cost of funding earning assets | 0.5052% | 2,783 |
| Net interest margin | 3.5336% | 3,642 |
| Noninterest income to average assets | 0.2816% | 5,172 |
| Noninterest expense to average assets | 1.7821% | 6,171 |
| Loan and lease loss provision to assets | 0.2011% | 1,198 |
| Net operating income to assets | 1.5882% | 721 |
| Return on assets (ROA) | 1.6020% | 730 |
| Pretax return on assets | 1.6020% | 1,248 |
| Return on Equity (ROE) | 19.3403% | 329 |
| Retained earnings to average equity (ytd only) | 5.9073% | 2,375 |
| Net charge-offs to loans | 0.0564% | 3,157 |
| Credit loss provision to net charge-offs | 492.2535% | 598 |
| Earnings coverage of net charge-offs (x) | 43.8028% | 987 |
| Efficiency ratio | 49.8993% | 6,177 |
| Assets per employee ($millions) | 7.5834% | 594 |
| Cash dividends to net income (ytd only)* | 69.4559% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,057 |
| Loan loss allowance to noncurrent loans | 3,288.5572% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,077 |
| Noncurrent loans to loans | 0.0384% | 5,940 |
| Net loans and leases to total assets | 73.1928% | 1,549 |
| Net loans and leases to deposits | 85.3157% | 1,886 |
| Net loans and leases to core deposits | 98.6534% | 1,397 |
| Total domestic deposits to total assets | 85.7905% | 3,157 |
| Equity capital to assets | 8.3594% | 5,905 |
| Core capital (leverage) ratio | 8.4375% | 5,708 |
| Tier 1 risk-based capital ratio | 12.4110% | 5,291 |
| Total risk-based capital ratio | 13.6609% | 5,211 |
| Memoranda: | ||
| Average total assets | $695,255,670 | 972 |
| Average earning assets | $647,265,670 | 961 |
| Average equity | $57,589,670 | 1,267 |
| Average total loans | $503,767,670 | 885 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,731 |
| Cost of funding earning assets | 0.5039% | 2,864 |
| Net interest margin | 3.4861% | 3,758 |
| Noninterest income to average assets | 0.2897% | 5,055 |
| Noninterest expense to average assets | 1.7993% | 6,221 |
| Loan and lease loss provision to assets | 0.1628% | 1,493 |
| Net operating income to assets | 1.5670% | 709 |
| Return on assets (ROA) | 1.5670% | 740 |
| Pretax return on assets | 1.5670% | 1,246 |
| Return on Equity (ROE) | 19.0064% | 358 |
| Retained earnings to average equity (ytd only) | 5.8973% | 2,592 |
| Net charge-offs to loans | 0.0639% | 2,513 |
| Credit loss provision to net charge-offs | 355.6962% | 707 |
| Earnings coverage of net charge-offs (x) | 37.7848% | 914 |
| Efficiency ratio | 50.9852% | 6,194 |
| Assets per employee ($millions) | 7.3931% | 663 |
| Cash dividends to net income (ytd only)* | 68.9719% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,373 |
| Loan loss allowance to noncurrent loans | 16,905.4054% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 6,217 |
| Noncurrent loans to loans | 0.0074% | 6,162 |
| Net loans and leases to total assets | 71.8631% | 1,595 |
| Net loans and leases to deposits | 83.4326% | 1,887 |
| Net loans and leases to core deposits | 94.4485% | 1,518 |
| Total domestic deposits to total assets | 86.1330% | 3,291 |
| Equity capital to assets | 8.4113% | 5,737 |
| Core capital (leverage) ratio | 8.6515% | 5,455 |
| Tier 1 risk-based capital ratio | 12.5107% | 5,308 |
| Total risk-based capital ratio | 13.7606% | 5,246 |
| Memoranda: | ||
| Average total assets | $690,256,000 | 986 |
| Average earning assets | $641,406,500 | 971 |
| Average equity | $56,907,000 | 1,280 |
| Average total loans | $494,248,500 | 898 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 4,713 |
| Cost of funding earning assets | 0.5446% | 3,156 |
| Net interest margin | 3.2812% | 4,734 |
| Noninterest income to average assets | 0.2897% | 5,284 |
| Noninterest expense to average assets | 1.8493% | 6,258 |
| Loan and lease loss provision to assets | 0.0801% | 3,506 |
| Net operating income to assets | 1.4944% | 835 |
| Return on assets (ROA) | 1.5385% | 800 |
| Pretax return on assets | 1.5385% | 1,329 |
| Return on Equity (ROE) | 18.5879% | 371 |
| Retained earnings to average equity (ytd only) | 5.9109% | 2,027 |
| Net charge-offs to loans | 0.0260% | 4,900 |
| Credit loss provision to net charge-offs | 452.5000% | 509 |
| Earnings coverage of net charge-offs (x) | 88.9833% | 506 |
| Efficiency ratio | 54.0138% | 6,134 |
| Assets per employee ($millions) | 7.3719% | 637 |
| Cash dividends to net income (ytd only)* | 68.2001% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 4,439 |
| Loan loss allowance to noncurrent loans | 169.1255% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 4,654 |
| Noncurrent loans to loans | 0.7332% | 4,123 |
| Net loans and leases to total assets | 69.5701% | 2,084 |
| Net loans and leases to deposits | 80.6415% | 2,366 |
| Net loans and leases to core deposits | 91.3006% | 1,875 |
| Total domestic deposits to total assets | 86.2709% | 3,125 |
| Equity capital to assets | 8.0787% | 5,960 |
| Core capital (leverage) ratio | 8.5208% | 5,645 |
| Tier 1 risk-based capital ratio | 12.8714% | 5,065 |
| Total risk-based capital ratio | 14.1214% | 5,013 |
| Memoranda: | ||
| Average total assets | $678,192,000 | 983 |
| Average earning assets | $647,785,400 | 933 |
| Average equity | $56,133,200 | 1,271 |
| Average total loans | $462,132,400 | 918 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 4,832 |
| Cost of funding earning assets | 0.5507% | 3,251 |
| Net interest margin | 3.2553% | 4,808 |
| Noninterest income to average assets | 0.2894% | 5,377 |
| Noninterest expense to average assets | 1.8716% | 6,224 |
| Loan and lease loss provision to assets | 0.0468% | 4,080 |
| Net operating income to assets | 1.4991% | 898 |
| Return on assets (ROA) | 1.5579% | 861 |
| Pretax return on assets | 1.5579% | 1,453 |
| Return on Equity (ROE) | 18.7067% | 388 |
| Retained earnings to average equity (ytd only) | 6.0908% | 2,351 |
| Net charge-offs to loans | 0.0114% | 4,917 |
| Credit loss provision to net charge-offs | 607.6923% | 464 |
| Earnings coverage of net charge-offs (x) | 200.5335% | 291 |
| Efficiency ratio | 54.7631% | 6,037 |
| Assets per employee ($millions) | 7.4366% | 602 |
| Cash dividends to net income (ytd only)* | 67.4407% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,604 |
| Loan loss allowance to noncurrent loans | 140.8410% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 4,583 |
| Noncurrent loans to loans | 0.8935% | 4,035 |
| Net loans and leases to total assets | 66.1241% | 2,619 |
| Net loans and leases to deposits | 75.5849% | 3,016 |
| Net loans and leases to core deposits | 89.0806% | 2,069 |
| Total domestic deposits to total assets | 87.4831% | 2,427 |
| Equity capital to assets | 8.0334% | 6,129 |
| Core capital (leverage) ratio | 8.3357% | 5,936 |
| Tier 1 risk-based capital ratio | 13.4507% | 4,793 |
| Total risk-based capital ratio | 14.7007% | 4,739 |
| Memoranda: | ||
| Average total assets | $674,500,750 | 992 |
| Average earning assets | $648,157,250 | 939 |
| Average equity | $56,171,000 | 1,280 |
| Average total loans | $455,629,500 | 942 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,940 |
| Cost of funding earning assets | 0.5508% | 3,405 |
| Net interest margin | 3.2163% | 4,884 |
| Noninterest income to average assets | 0.2868% | 5,400 |
| Noninterest expense to average assets | 1.8882% | 6,245 |
| Loan and lease loss provision to assets | 0.0556% | 3,888 |
| Net operating income to assets | 1.4566% | 967 |
| Return on assets (ROA) | 1.5455% | 895 |
| Pretax return on assets | 1.5455% | 1,497 |
| Return on Equity (ROE) | 18.3344% | 435 |
| Retained earnings to average equity (ytd only) | 5.7614% | 2,579 |
| Net charge-offs to loans | 0.0084% | 4,717 |
| Credit loss provision to net charge-offs | 978.9474% | 316 |
| Earnings coverage of net charge-offs (x) | 266.1579% | 190 |
| Efficiency ratio | 55.5272% | 6,016 |
| Assets per employee ($millions) | 7.3214% | 619 |
| Cash dividends to net income (ytd only)* | 68.5759% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,703 |
| Loan loss allowance to noncurrent loans | 143.8819% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 4,669 |
| Noncurrent loans to loans | 0.8749% | 4,173 |
| Net loans and leases to total assets | 66.0726% | 2,578 |
| Net loans and leases to deposits | 76.1159% | 2,854 |
| Net loans and leases to core deposits | 91.4817% | 1,761 |
| Total domestic deposits to total assets | 86.8052% | 2,936 |
| Equity capital to assets | 7.9860% | 6,206 |
| Core capital (leverage) ratio | 8.3419% | 5,834 |
| Tier 1 risk-based capital ratio | 13.4754% | 4,784 |
| Total risk-based capital ratio | 14.7254% | 4,745 |
| Memoranda: | ||
| Average total assets | $668,800,000 | 997 |
| Average earning assets | $647,458,000 | 933 |
| Average equity | $56,375,000 | 1,280 |
| Average total loans | $453,124,670 | 936 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,957 |
| Cost of funding earning assets | 0.5530% | 3,543 |
| Net interest margin | 3.2070% | 4,911 |
| Noninterest income to average assets | 0.2767% | 5,474 |
| Noninterest expense to average assets | 1.9172% | 6,251 |
| Loan and lease loss provision to assets | 0.0237% | 4,173 |
| Net operating income to assets | 1.4365% | 972 |
| Return on assets (ROA) | 1.4493% | 1,038 |
| Pretax return on assets | 1.4493% | 1,711 |
| Return on Equity (ROE) | 16.7338% | 534 |
| Retained earnings to average equity (ytd only) | 4.2816% | 3,661 |
| Net charge-offs to loans | 0.0062% | 4,037 |
| Credit loss provision to net charge-offs | 557.1429% | 483 |
| Earnings coverage of net charge-offs (x) | 343.7143% | 111 |
| Efficiency ratio | 56.7655% | 5,990 |
| Assets per employee ($millions) | 7.0325% | 759 |
| Cash dividends to net income (ytd only)* | 74.4137% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,901 |
| Loan loss allowance to noncurrent loans | 140.6009% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 4,794 |
| Noncurrent loans to loans | 0.8953% | 4,345 |
| Net loans and leases to total assets | 67.9080% | 2,031 |
| Net loans and leases to deposits | 78.5115% | 2,269 |
| Net loans and leases to core deposits | 93.4433% | 1,380 |
| Total domestic deposits to total assets | 86.4942% | 3,234 |
| Equity capital to assets | 8.7156% | 5,796 |
| Core capital (leverage) ratio | 8.7379% | 5,278 |
| Tier 1 risk-based capital ratio | 13.5587% | 4,829 |
| Total risk-based capital ratio | 14.8087% | 4,786 |
| Memoranda: | ||
| Average total assets | $659,093,500 | 1,027 |
| Average earning assets | $637,224,500 | 965 |
| Average equity | $57,082,000 | 1,281 |
| Average total loans | $449,428,500 | 953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 4,692 |
| Cost of funding earning assets | 0.5886% | 4,458 |
| Net interest margin | 3.5814% | 4,176 |
| Noninterest income to average assets | 0.3033% | 5,282 |
| Noninterest expense to average assets | 2.0132% | 6,299 |
| Loan and lease loss provision to assets | 0.0883% | 4,588 |
| Net operating income to assets | 1.6540% | 678 |
| Return on assets (ROA) | 1.6642% | 749 |
| Pretax return on assets | 1.6642% | 1,229 |
| Return on Equity (ROE) | 18.5197% | 398 |
| Retained earnings to average equity (ytd only) | 6.0356% | 2,060 |
| Net charge-offs to loans | 0.0493% | 5,222 |
| Credit loss provision to net charge-offs | 253.4884% | 951 |
| Earnings coverage of net charge-offs (x) | 50.0372% | 681 |
| Efficiency ratio | 53.6073% | 6,303 |
| Assets per employee ($millions) | 7.1415% | 727 |
| Cash dividends to net income (ytd only)* | 67.4095% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,854 |
| Loan loss allowance to noncurrent loans | 127.5487% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 4,740 |
| Noncurrent loans to loans | 0.9829% | 4,229 |
| Net loans and leases to total assets | 66.7653% | 2,407 |
| Net loans and leases to deposits | 77.4236% | 2,597 |
| Net loans and leases to core deposits | 88.6245% | 2,015 |
| Total domestic deposits to total assets | 86.2338% | 3,236 |
| Equity capital to assets | 8.6066% | 5,963 |
| Core capital (leverage) ratio | 8.8941% | 5,048 |
| Tier 1 risk-based capital ratio | 13.3488% | 4,857 |
| Total risk-based capital ratio | 14.5987% | 4,814 |
| Memoranda: | ||
| Average total assets | $617,477,000 | 1,075 |
| Average earning assets | $595,185,000 | 1,012 |
| Average equity | $55,487,000 | 1,288 |
| Average total loans | $435,816,000 | 958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 4,584 |
| Cost of funding earning assets | 0.5991% | 4,658 |
| Net interest margin | 3.6694% | 3,922 |
| Noninterest income to average assets | 0.2951% | 5,413 |
| Noninterest expense to average assets | 2.0200% | 6,322 |
| Loan and lease loss provision to assets | 0.1089% | 4,211 |
| Net operating income to assets | 1.7046% | 679 |
| Return on assets (ROA) | 1.7171% | 728 |
| Pretax return on assets | 1.7171% | 1,223 |
| Return on Equity (ROE) | 18.8900% | 404 |
| Retained earnings to average equity (ytd only) | 6.4210% | 2,419 |
| Net charge-offs to loans | 0.0139% | 5,504 |
| Credit loss provision to net charge-offs | 1,100.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 183.1065% | 246 |
| Efficiency ratio | 52.6926% | 6,383 |
| Assets per employee ($millions) | 6.7059% | 860 |
| Cash dividends to net income (ytd only)* | 66.0087% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,842 |
| Loan loss allowance to noncurrent loans | 136.2559% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 4,861 |
| Noncurrent loans to loans | 0.9497% | 4,539 |
| Net loans and leases to total assets | 71.8705% | 1,573 |
| Net loans and leases to deposits | 84.1644% | 1,850 |
| Net loans and leases to core deposits | 98.4821% | 1,229 |
| Total domestic deposits to total assets | 85.3930% | 3,569 |
| Equity capital to assets | 9.3235% | 5,443 |
| Core capital (leverage) ratio | 8.8741% | 5,234 |
| Tier 1 risk-based capital ratio | 13.0818% | 5,185 |
| Total risk-based capital ratio | 14.3318% | 5,139 |
| Memoranda: | ||
| Average total assets | $605,805,750 | 1,104 |
| Average earning assets | $584,169,250 | 1,040 |
| Average equity | $55,068,250 | 1,303 |
| Average total loans | $432,505,000 | 972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 4,737 |
| Cost of funding earning assets | 0.5975% | 4,926 |
| Net interest margin | 3.6579% | 3,998 |
| Noninterest income to average assets | 0.3204% | 5,258 |
| Noninterest expense to average assets | 2.0052% | 6,421 |
| Loan and lease loss provision to assets | 0.1142% | 4,104 |
| Net operating income to assets | 1.7285% | 635 |
| Return on assets (ROA) | 1.7351% | 710 |
| Pretax return on assets | 1.7351% | 1,170 |
| Return on Equity (ROE) | 19.2547% | 399 |
| Retained earnings to average equity (ytd only) | 6.8712% | 2,173 |
| Net charge-offs to loans | 0.0229% | 5,082 |
| Credit loss provision to net charge-offs | 704.0816% | 451 |
| Earnings coverage of net charge-offs (x) | 113.6327% | 381 |
| Efficiency ratio | 52.1115% | 6,494 |
| Assets per employee ($millions) | 6.6856% | 863 |
| Cash dividends to net income (ytd only)* | 64.3143% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 5,004 |
| Loan loss allowance to noncurrent loans | 135.0386% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 4,770 |
| Noncurrent loans to loans | 0.9451% | 4,621 |
| Net loans and leases to total assets | 71.1481% | 1,709 |
| Net loans and leases to deposits | 81.9799% | 2,114 |
| Net loans and leases to core deposits | 96.9664% | 1,353 |
| Total domestic deposits to total assets | 86.7872% | 2,899 |
| Equity capital to assets | 9.1363% | 5,543 |
| Core capital (leverage) ratio | 8.9089% | 5,030 |
| Tier 1 risk-based capital ratio | 12.9702% | 5,203 |
| Total risk-based capital ratio | 14.2201% | 5,178 |
| Memoranda: | ||
| Average total assets | $604,329,670 | 1,105 |
| Average earning assets | $582,796,330 | 1,033 |
| Average equity | $54,459,330 | 1,305 |
| Average total loans | $428,564,000 | 985 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 4,979 |
| Cost of funding earning assets | 0.6072% | 5,073 |
| Net interest margin | 3.6266% | 4,144 |
| Noninterest income to average assets | 0.3427% | 5,117 |
| Noninterest expense to average assets | 2.0043% | 6,452 |
| Loan and lease loss provision to assets | 0.1029% | 4,050 |
| Net operating income to assets | 1.7340% | 681 |
| Return on assets (ROA) | 1.7340% | 758 |
| Pretax return on assets | 1.7340% | 1,226 |
| Return on Equity (ROE) | 19.3777% | 422 |
| Retained earnings to average equity (ytd only) | 7.0431% | 2,412 |
| Net charge-offs to loans | 0.0491% | 4,017 |
| Credit loss provision to net charge-offs | 298.0769% | 998 |
| Earnings coverage of net charge-offs (x) | 53.1923% | 604 |
| Efficiency ratio | 52.1784% | 6,530 |
| Assets per employee ($millions) | 6.5803% | 939 |
| Cash dividends to net income (ytd only)* | 63.6538% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 5,113 |
| Loan loss allowance to noncurrent loans | 941.2892% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 6,302 |
| Noncurrent loans to loans | 0.1359% | 6,418 |
| Net loans and leases to total assets | 69.6444% | 1,814 |
| Net loans and leases to deposits | 81.0527% | 2,051 |
| Net loans and leases to core deposits | 95.1533% | 1,363 |
| Total domestic deposits to total assets | 85.9249% | 3,575 |
| Equity capital to assets | 9.0899% | 5,371 |
| Core capital (leverage) ratio | 8.8725% | 5,029 |
| Tier 1 risk-based capital ratio | 13.6660% | 4,703 |
| Total risk-based capital ratio | 14.9181% | 4,686 |
| Memoranda: | ||
| Average total assets | $602,300,000 | 1,105 |
| Average earning assets | $581,038,500 | 1,039 |
| Average equity | $53,897,000 | 1,310 |
| Average total loans | $423,619,500 | 987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 5,820 |
| Cost of funding earning assets | 0.7157% | 5,429 |
| Net interest margin | 3.5640% | 4,875 |
| Noninterest income to average assets | 0.2978% | 5,396 |
| Noninterest expense to average assets | 2.0250% | 6,633 |
| Loan and lease loss provision to assets | 0.1515% | 4,728 |
| Net operating income to assets | 1.5575% | 735 |
| Return on assets (ROA) | 1.5575% | 789 |
| Pretax return on assets | 1.5575% | 1,316 |
| Return on Equity (ROE) | 18.0534% | 376 |
| Retained earnings to average equity (ytd only) | 6.9523% | 1,528 |
| Net charge-offs to loans | 0.2184% | 4,424 |
| Credit loss provision to net charge-offs | 98.3642% | 3,655 |
| Earnings coverage of net charge-offs (x) | 11.0960% | 1,757 |
| Efficiency ratio | 54.2306% | 6,490 |
| Assets per employee ($millions) | 6.5139% | 949 |
| Cash dividends to net income (ytd only)* | 61.4903% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,185 |
| Loan loss allowance to noncurrent loans | 191.8205% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 5,542 |
| Noncurrent loans to loans | 0.6504% | 5,404 |
| Net loans and leases to total assets | 69.2481% | 2,167 |
| Net loans and leases to deposits | 80.2451% | 2,480 |
| Net loans and leases to core deposits | 94.0739% | 1,690 |
| Total domestic deposits to total assets | 86.2958% | 3,143 |
| Equity capital to assets | 8.8088% | 5,787 |
| Core capital (leverage) ratio | 8.7229% | 5,214 |
| Tier 1 risk-based capital ratio | 13.1962% | 4,918 |
| Total risk-based capital ratio | 14.4462% | 4,896 |
| Memoranda: | ||
| Average total assets | $595,368,000 | 1,105 |
| Average earning assets | $574,020,200 | 1,032 |
| Average equity | $51,364,400 | 1,334 |
| Average total loans | $419,957,400 | 999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 5,935 |
| Cost of funding earning assets | 0.7415% | 5,513 |
| Net interest margin | 3.5635% | 4,923 |
| Noninterest income to average assets | 0.2951% | 5,503 |
| Noninterest expense to average assets | 2.0336% | 6,625 |
| Loan and lease loss provision to assets | 0.1451% | 4,631 |
| Net operating income to assets | 1.5504% | 849 |
| Return on assets (ROA) | 1.5504% | 925 |
| Pretax return on assets | 1.5504% | 1,516 |
| Return on Equity (ROE) | 18.0684% | 450 |
| Retained earnings to average equity (ytd only) | 7.3841% | 1,783 |
| Net charge-offs to loans | 0.0933% | 5,043 |
| Credit loss provision to net charge-offs | 220.1365% | 1,297 |
| Earnings coverage of net charge-offs (x) | 25.7268% | 1,040 |
| Efficiency ratio | 54.5328% | 6,436 |
| Assets per employee ($millions) | 6.2115% | 1,081 |
| Cash dividends to net income (ytd only)* | 59.1324% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,676 |
| Loan loss allowance to noncurrent loans | 215.7214% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,677 |
| Noncurrent loans to loans | 0.6360% | 5,616 |
| Net loans and leases to total assets | 69.7728% | 2,122 |
| Net loans and leases to deposits | 81.4425% | 2,457 |
| Net loans and leases to core deposits | 96.4691% | 1,561 |
| Total domestic deposits to total assets | 85.6712% | 3,401 |
| Equity capital to assets | 9.0851% | 5,652 |
| Core capital (leverage) ratio | 8.8071% | 5,254 |
| Tier 1 risk-based capital ratio | 13.4725% | 4,755 |
| Total risk-based capital ratio | 14.7226% | 4,724 |
| Memoranda: | ||
| Average total assets | $592,762,250 | 1,117 |
| Average earning assets | $571,229,500 | 1,042 |
| Average equity | $50,864,750 | 1,345 |
| Average total loans | $418,747,000 | 1,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 6,113 |
| Cost of funding earning assets | 0.7641% | 5,598 |
| Net interest margin | 3.5044% | 5,146 |
| Noninterest income to average assets | 0.2847% | 5,603 |
| Noninterest expense to average assets | 2.0288% | 6,731 |
| Loan and lease loss provision to assets | 0.1282% | 4,685 |
| Net operating income to assets | 1.5057% | 878 |
| Return on assets (ROA) | 1.5057% | 937 |
| Pretax return on assets | 1.5057% | 1,512 |
| Return on Equity (ROE) | 17.8907% | 469 |
| Retained earnings to average equity (ytd only) | 7.5632% | 1,631 |
| Net charge-offs to loans | 0.0504% | 5,150 |
| Credit loss provision to net charge-offs | 360.3774% | 847 |
| Earnings coverage of net charge-offs (x) | 45.9151% | 674 |
| Efficiency ratio | 55.3896% | 6,474 |
| Assets per employee ($millions) | 6.3707% | 980 |
| Cash dividends to net income (ytd only)* | 57.7258% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,958 |
| Loan loss allowance to noncurrent loans | 98.4851% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 4,871 |
| Noncurrent loans to loans | 1.3428% | 4,410 |
| Net loans and leases to total assets | 70.4151% | 2,131 |
| Net loans and leases to deposits | 81.1546% | 2,590 |
| Net loans and leases to core deposits | 97.6216% | 1,530 |
| Total domestic deposits to total assets | 86.7666% | 2,877 |
| Equity capital to assets | 8.6453% | 6,006 |
| Core capital (leverage) ratio | 8.4670% | 5,603 |
| Tier 1 risk-based capital ratio | 12.6755% | 5,197 |
| Total risk-based capital ratio | 13.9256% | 5,166 |
| Memoranda: | ||
| Average total assets | $595,722,670 | 1,114 |
| Average earning assets | $574,256,670 | 1,046 |
| Average equity | $50,137,670 | 1,341 |
| Average total loans | $420,643,670 | 1,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 6,254 |
| Cost of funding earning assets | 0.7920% | 5,605 |
| Net interest margin | 3.4220% | 5,338 |
| Noninterest income to average assets | 0.2993% | 5,525 |
| Noninterest expense to average assets | 2.0578% | 6,722 |
| Loan and lease loss provision to assets | 0.0469% | 5,414 |
| Net operating income to assets | 1.4986% | 878 |
| Return on assets (ROA) | 1.4986% | 923 |
| Pretax return on assets | 1.4986% | 1,452 |
| Return on Equity (ROE) | 18.0498% | 479 |
| Retained earnings to average equity (ytd only) | 8.8878% | 1,414 |
| Net charge-offs to loans | 0.1058% | 3,899 |
| Credit loss provision to net charge-offs | 63.0631% | 3,491 |
| Earnings coverage of net charge-offs (x) | 20.7928% | 1,100 |
| Efficiency ratio | 57.1083% | 6,368 |
| Assets per employee ($millions) | 6.3882% | 980 |
| Cash dividends to net income (ytd only)* | 50.7596% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 5,317 |
| Loan loss allowance to noncurrent loans | 109.1248% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 5,043 |
| Noncurrent loans to loans | 1.1600% | 4,763 |
| Net loans and leases to total assets | 68.5043% | 2,451 |
| Net loans and leases to deposits | 79.7205% | 2,759 |
| Net loans and leases to core deposits | 97.3299% | 1,572 |
| Total domestic deposits to total assets | 85.9306% | 3,561 |
| Equity capital to assets | 8.3270% | 6,131 |
| Core capital (leverage) ratio | 8.4354% | 5,567 |
| Tier 1 risk-based capital ratio | 12.3741% | 5,372 |
| Total risk-based capital ratio | 13.6240% | 5,359 |
| Memoranda: | ||
| Average total assets | $597,348,500 | 1,119 |
| Average earning assets | $576,746,500 | 1,051 |
| Average equity | $49,596,000 | 1,345 |
| Average total loans | $419,575,500 | 1,030 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 5,912 |
| Cost of funding earning assets | 1.0839% | 5,229 |
| Net interest margin | 3.5803% | 4,909 |
| Noninterest income to average assets | 0.3799% | 5,061 |
| Noninterest expense to average assets | 2.1294% | 6,774 |
| Loan and lease loss provision to assets | 0.3871% | 3,793 |
| Net operating income to assets | 1.2979% | 1,181 |
| Return on assets (ROA) | 1.2979% | 1,238 |
| Pretax return on assets | 1.2979% | 1,927 |
| Return on Equity (ROE) | 15.5968% | 630 |
| Retained earnings to average equity (ytd only) | 3.6001% | 3,338 |
| Net charge-offs to loans | 0.5034% | 3,606 |
| Credit loss provision to net charge-offs | 106.5310% | 4,187 |
| Earnings coverage of net charge-offs (x) | 4.6370% | 2,854 |
| Efficiency ratio | 55.8251% | 6,616 |
| Assets per employee ($millions) | 6.3214% | 1,027 |
| Cash dividends to net income (ytd only)* | 76.9180% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,209 |
| Loan loss allowance to noncurrent loans | 103.1638% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 5,004 |
| Noncurrent loans to loans | 1.2194% | 4,692 |
| Net loans and leases to total assets | 70.2113% | 2,494 |
| Net loans and leases to deposits | 81.7812% | 2,855 |
| Net loans and leases to core deposits | 96.9574% | 1,898 |
| Total domestic deposits to total assets | 85.8526% | 3,432 |
| Equity capital to assets | 8.2781% | 6,172 |
| Core capital (leverage) ratio | 8.0297% | 6,154 |
| Tier 1 risk-based capital ratio | 11.5865% | 5,833 |
| Total risk-based capital ratio | 12.8371% | 5,847 |
| Memoranda: | ||
| Average total assets | $581,485,800 | 1,158 |
| Average earning assets | $557,808,800 | 1,090 |
| Average equity | $48,388,000 | 1,385 |
| Average total loans | $419,786,200 | 1,065 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 5,738 |
| Cost of funding earning assets | 1.1273% | 5,268 |
| Net interest margin | 3.6527% | 4,622 |
| Noninterest income to average assets | 0.3986% | 4,969 |
| Noninterest expense to average assets | 2.1259% | 6,794 |
| Loan and lease loss provision to assets | 0.3497% | 3,817 |
| Net operating income to assets | 1.4197% | 1,074 |
| Return on assets (ROA) | 1.4197% | 1,144 |
| Pretax return on assets | 1.4197% | 1,826 |
| Return on Equity (ROE) | 17.0385% | 584 |
| Retained earnings to average equity (ytd only) | 4.9942% | 2,993 |
| Net charge-offs to loans | 0.2224% | 4,609 |
| Credit loss provision to net charge-offs | 217.0243% | 1,599 |
| Earnings coverage of net charge-offs (x) | 10.9799% | 1,836 |
| Efficiency ratio | 54.5750% | 6,734 |
| Assets per employee ($millions) | 6.3264% | 1,059 |
| Cash dividends to net income (ytd only)* | 70.6885% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 4,354 |
| Loan loss allowance to noncurrent loans | 83.8227% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 4,500 |
| Noncurrent loans to loans | 1.6947% | 4,093 |
| Net loans and leases to total assets | 68.5004% | 3,097 |
| Net loans and leases to deposits | 78.8036% | 3,670 |
| Net loans and leases to core deposits | 94.7029% | 2,420 |
| Total domestic deposits to total assets | 86.9254% | 2,575 |
| Equity capital to assets | 8.1428% | 6,677 |
| Core capital (leverage) ratio | 8.0205% | 6,323 |
| Tier 1 risk-based capital ratio | 11.5940% | 5,835 |
| Total risk-based capital ratio | 12.8439% | 5,827 |
| Memoranda: | ||
| Average total assets | $578,305,250 | 1,172 |
| Average earning assets | $553,621,500 | 1,099 |
| Average equity | $48,187,750 | 1,399 |
| Average total loans | $419,103,750 | 1,074 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 5,517 |
| Cost of funding earning assets | 1.1784% | 5,246 |
| Net interest margin | 3.6943% | 4,389 |
| Noninterest income to average assets | 0.4245% | 4,717 |
| Noninterest expense to average assets | 2.2032% | 6,644 |
| Loan and lease loss provision to assets | 0.2835% | 4,128 |
| Net operating income to assets | 1.4684% | 959 |
| Return on assets (ROA) | 1.4684% | 1,025 |
| Pretax return on assets | 1.4684% | 1,644 |
| Return on Equity (ROE) | 17.4812% | 516 |
| Retained earnings to average equity (ytd only) | 5.3302% | 2,708 |
| Net charge-offs to loans | 0.2774% | 3,948 |
| Credit loss provision to net charge-offs | 138.9655% | 2,886 |
| Earnings coverage of net charge-offs (x) | 8.5879% | 2,119 |
| Efficiency ratio | 55.7048% | 6,675 |
| Assets per employee ($millions) | 6.1792% | 1,112 |
| Cash dividends to net income (ytd only)* | 69.5090% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,035 |
| Loan loss allowance to noncurrent loans | 97.1937% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 5,015 |
| Noncurrent loans to loans | 1.3165% | 4,751 |
| Net loans and leases to total assets | 71.0118% | 2,653 |
| Net loans and leases to deposits | 81.3397% | 3,375 |
| Net loans and leases to core deposits | 97.5200% | 2,280 |
| Total domestic deposits to total assets | 87.3028% | 2,377 |
| Equity capital to assets | 8.3047% | 6,421 |
| Core capital (leverage) ratio | 8.3061% | 5,758 |
| Tier 1 risk-based capital ratio | 11.4719% | 5,798 |
| Total risk-based capital ratio | 12.7220% | 5,772 |
| Memoranda: | ||
| Average total assets | $568,628,000 | 1,199 |
| Average earning assets | $543,429,330 | 1,133 |
| Average equity | $47,765,670 | 1,400 |
| Average total loans | $418,130,670 | 1,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 5,361 |
| Cost of funding earning assets | 1.2316% | 5,226 |
| Net interest margin | 3.6888% | 4,311 |
| Noninterest income to average assets | 0.4347% | 4,611 |
| Noninterest expense to average assets | 2.2895% | 6,406 |
| Loan and lease loss provision to assets | 0.1680% | 4,855 |
| Net operating income to assets | 1.4980% | 897 |
| Return on assets (ROA) | 1.4980% | 970 |
| Pretax return on assets | 1.4980% | 1,525 |
| Return on Equity (ROE) | 17.7268% | 539 |
| Retained earnings to average equity (ytd only) | 5.4746% | 2,883 |
| Net charge-offs to loans | 0.1365% | 4,129 |
| Credit loss provision to net charge-offs | 165.4930% | 2,202 |
| Earnings coverage of net charge-offs (x) | 16.4085% | 1,330 |
| Efficiency ratio | 57.8814% | 6,503 |
| Assets per employee ($millions) | 6.0357% | 1,237 |
| Cash dividends to net income (ytd only)* | 69.1169% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,220 |
| Loan loss allowance to noncurrent loans | 578.4852% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 6,799 |
| Noncurrent loans to loans | 0.2161% | 6,906 |
| Net loans and leases to total assets | 73.3816% | 2,111 |
| Net loans and leases to deposits | 83.5441% | 3,018 |
| Net loans and leases to core deposits | 99.6966% | 2,162 |
| Total domestic deposits to total assets | 87.8358% | 2,151 |
| Equity capital to assets | 8.4133% | 6,144 |
| Core capital (leverage) ratio | 8.4792% | 5,410 |
| Tier 1 risk-based capital ratio | 11.4676% | 5,704 |
| Total risk-based capital ratio | 12.7175% | 5,689 |
| Memoranda: | ||
| Average total assets | $559,429,000 | 1,243 |
| Average earning assets | $533,947,500 | 1,185 |
| Average equity | $47,273,000 | 1,424 |
| Average total loans | $416,065,500 | 1,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 5,560 |
| Cost of funding earning assets | 1.5807% | 5,122 |
| Net interest margin | 3.6382% | 4,394 |
| Noninterest income to average assets | 0.4676% | 4,669 |
| Noninterest expense to average assets | 2.2200% | 6,941 |
| Loan and lease loss provision to assets | 0.2566% | 5,341 |
| Net operating income to assets | 1.4673% | 724 |
| Return on assets (ROA) | 1.4673% | 785 |
| Pretax return on assets | 1.4673% | 1,270 |
| Return on Equity (ROE) | 18.0352% | 368 |
| Retained earnings to average equity (ytd only) | 8.3210% | 621 |
| Net charge-offs to loans | 0.1214% | 5,964 |
| Credit loss provision to net charge-offs | 276.7717% | 1,237 |
| Earnings coverage of net charge-offs (x) | 18.5925% | 1,118 |
| Efficiency ratio | 56.2893% | 6,976 |
| Assets per employee ($millions) | 5.8671% | 1,347 |
| Cash dividends to net income (ytd only)* | 53.8624% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,984 |
| Loan loss allowance to noncurrent loans | 248.0594% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 6,505 |
| Noncurrent loans to loans | 0.5084% | 6,234 |
| Net loans and leases to total assets | 73.4991% | 2,381 |
| Net loans and leases to deposits | 84.8363% | 3,113 |
| Net loans and leases to core deposits | 121.9676% | 1,783 |
| Total domestic deposits to total assets | 86.6364% | 2,685 |
| Equity capital to assets | 8.4882% | 5,898 |
| Core capital (leverage) ratio | 8.1602% | 5,889 |
| Tier 1 risk-based capital ratio | 11.4751% | 5,414 |
| Total risk-based capital ratio | 12.7252% | 5,382 |
| Memoranda: | ||
| Average total assets | $547,886,400 | 1,266 |
| Average earning assets | $523,499,600 | 1,212 |
| Average equity | $44,574,000 | 1,503 |
| Average total loans | $418,616,200 | 1,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 5,564 |
| Cost of funding earning assets | 1.6325% | 5,241 |
| Net interest margin | 3.6392% | 4,325 |
| Noninterest income to average assets | 0.4773% | 4,696 |
| Noninterest expense to average assets | 2.1424% | 7,112 |
| Loan and lease loss provision to assets | 0.2828% | 4,717 |
| Net operating income to assets | 1.5337% | 753 |
| Return on assets (ROA) | 1.5337% | 806 |
| Pretax return on assets | 1.5337% | 1,317 |
| Return on Equity (ROE) | 19.0600% | 360 |
| Retained earnings to average equity (ytd only) | 10.2086% | 596 |
| Net charge-offs to loans | 0.1360% | 5,343 |
| Credit loss provision to net charge-offs | 270.3963% | 1,572 |
| Earnings coverage of net charge-offs (x) | 17.3705% | 1,412 |
| Efficiency ratio | 54.1161% | 7,222 |
| Assets per employee ($millions) | 6.0977% | 1,168 |
| Cash dividends to net income (ytd only)* | 46.4399% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,175 |
| Loan loss allowance to noncurrent loans | 230.5568% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 6,477 |
| Noncurrent loans to loans | 0.5154% | 6,273 |
| Net loans and leases to total assets | 73.4620% | 2,673 |
| Net loans and leases to deposits | 83.6895% | 3,696 |
| Net loans and leases to core deposits | 122.6714% | 2,021 |
| Total domestic deposits to total assets | 87.7793% | 1,760 |
| Equity capital to assets | 8.0573% | 6,792 |
| Core capital (leverage) ratio | 8.0656% | 6,244 |
| Tier 1 risk-based capital ratio | 10.6863% | 6,261 |
| Total risk-based capital ratio | 11.8898% | 6,287 |
| Memoranda: | ||
| Average total assets | $546,981,500 | 1,281 |
| Average earning assets | $523,290,000 | 1,223 |
| Average equity | $44,014,250 | 1,541 |
| Average total loans | $420,638,000 | 1,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 5,541 |
| Cost of funding earning assets | 1.7017% | 5,265 |
| Net interest margin | 3.6205% | 4,279 |
| Noninterest income to average assets | 0.4664% | 4,737 |
| Noninterest expense to average assets | 2.1537% | 7,164 |
| Loan and lease loss provision to assets | 0.2684% | 4,438 |
| Net operating income to assets | 1.5059% | 828 |
| Return on assets (ROA) | 1.5059% | 884 |
| Pretax return on assets | 1.5059% | 1,426 |
| Return on Equity (ROE) | 18.7228% | 426 |
| Retained earnings to average equity (ytd only) | 12.0769% | 430 |
| Net charge-offs to loans | 0.1518% | 4,677 |
| Credit loss provision to net charge-offs | 227.2727% | 2,021 |
| Earnings coverage of net charge-offs (x) | 15.0251% | 1,620 |
| Efficiency ratio | 54.8299% | 7,245 |
| Assets per employee ($millions) | 5.8132% | 1,334 |
| Cash dividends to net income (ytd only)* | 35.4966% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,597 |
| Loan loss allowance to noncurrent loans | 218.6188% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 6,305 |
| Noncurrent loans to loans | 0.5032% | 6,267 |
| Net loans and leases to total assets | 77.9080% | 1,764 |
| Net loans and leases to deposits | 89.3647% | 2,927 |
| Net loans and leases to core deposits | 127.8712% | 1,719 |
| Total domestic deposits to total assets | 87.1799% | 2,157 |
| Equity capital to assets | 8.2403% | 6,427 |
| Core capital (leverage) ratio | 8.2312% | 5,922 |
| Tier 1 risk-based capital ratio | 10.6189% | 6,265 |
| Total risk-based capital ratio | 11.7564% | 6,319 |
| Memoranda: | ||
| Average total assets | $540,280,330 | 1,310 |
| Average earning assets | $516,555,000 | 1,252 |
| Average equity | $43,455,000 | 1,567 |
| Average total loans | $420,316,670 | 1,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 5,996 |
| Cost of funding earning assets | 1.7779% | 5,219 |
| Net interest margin | 3.4991% | 4,743 |
| Noninterest income to average assets | 0.4414% | 4,864 |
| Noninterest expense to average assets | 2.0314% | 7,276 |
| Loan and lease loss provision to assets | 0.2777% | 3,734 |
| Net operating income to assets | 1.4730% | 989 |
| Return on assets (ROA) | 1.4730% | 1,065 |
| Pretax return on assets | 1.4730% | 1,744 |
| Return on Equity (ROE) | 18.5420% | 547 |
| Retained earnings to average equity (ytd only) | 18.5420% | 217 |
| Net charge-offs to loans | 0.1207% | 4,010 |
| Credit loss provision to net charge-offs | 297.6190% | 1,636 |
| Earnings coverage of net charge-offs (x) | 18.7619% | 1,448 |
| Efficiency ratio | 53.7106% | 7,249 |
| Assets per employee ($millions) | 5.7937% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,555 |
| Loan loss allowance to noncurrent loans | 443.0528% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 6,960 |
| Noncurrent loans to loans | 0.2455% | 6,834 |
| Net loans and leases to total assets | 77.2505% | 1,980 |
| Net loans and leases to deposits | 88.2354% | 3,248 |
| Net loans and leases to core deposits | 125.7472% | 1,935 |
| Total domestic deposits to total assets | 87.5504% | 1,948 |
| Equity capital to assets | 8.3190% | 6,363 |
| Core capital (leverage) ratio | 8.2789% | 5,944 |
| Tier 1 risk-based capital ratio | 10.7022% | 6,183 |
| Total risk-based capital ratio | 11.8264% | 6,233 |
| Memoranda: | ||
| Average total assets | $540,107,500 | 1,312 |
| Average earning assets | $515,669,500 | 1,257 |
| Average equity | $42,908,000 | 1,594 |
| Average total loans | $417,537,000 | 1,213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9097% | 5,990 |
| Cost of funding earning assets | 2.1670% | 5,744 |
| Net interest margin | 3.7427% | 4,258 |
| Noninterest income to average assets | 0.4132% | 5,365 |
| Noninterest expense to average assets | 2.1842% | 7,006 |
| Loan and lease loss provision to assets | 0.1953% | 4,924 |
| Net operating income to assets | 1.5866% | 851 |
| Return on assets (ROA) | 1.5866% | 815 |
| Pretax return on assets | 1.5866% | 1,426 |
| Return on Equity (ROE) | 20.4588% | 342 |
| Retained earnings to average equity (ytd only) | 6.6666% | 1,272 |
| Net charge-offs to loans | 0.0403% | 6,219 |
| Credit loss provision to net charge-offs | 628.3019% | 684 |
| Earnings coverage of net charge-offs (x) | 57.3145% | 693 |
| Efficiency ratio | 55.0707% | 7,143 |
| Assets per employee ($millions) | 5.9477% | 1,161 |
| Cash dividends to net income (ytd only)* | 67.4143% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 5,842 |
| Loan loss allowance to noncurrent loans | 1,284.9850% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 7,321 |
| Noncurrent loans to loans | 0.0795% | 7,186 |
| Net loans and leases to total assets | 75.7511% | 2,693 |
| Net loans and leases to deposits | 87.5153% | 3,865 |
| Net loans and leases to core deposits | 122.6688% | 2,433 |
| Total domestic deposits to total assets | 86.5576% | 2,154 |
| Equity capital to assets | 7.5794% | 7,319 |
| Core capital (leverage) ratio | 7.6924% | 6,950 |
| Tier 1 risk-based capital ratio | 9.7572% | 7,008 |
| Total risk-based capital ratio | 10.7980% | 7,171 |
| Memoranda: | ||
| Average total assets | $511,392,200 | 1,324 |
| Average earning assets | $485,474,200 | 1,268 |
| Average equity | $39,660,200 | 1,700 |
| Average total loans | $394,062,400 | 1,229 |