Home > Chesapeake Bank > Performance and Condition Ratios
Chesapeake 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 | 5.1929% | 1,679 |
| Cost of funding earning assets | 1.3825% | 2,271 |
| Net interest margin | 3.8104% | 1,548 |
| Noninterest income to average assets | 1.8600% | 293 |
| Noninterest expense to average assets | 4.1779% | 329 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9078% | 2,523 |
| Return on assets (ROA) | 0.7352% | 3,073 |
| Pretax return on assets | 0.8953% | 2,974 |
| Return on Equity (ROE) | 9.5100% | 2,634 |
| Retained earnings to average equity (ytd only) | 6.2075% | 2,172 |
| Net charge-offs to loans | 0.1197% | 810 |
| Credit loss provision to net charge-offs | 95.9184% | 1,891 |
| Earnings coverage of net charge-offs (x) | 16.4163% | 2,005 |
| Efficiency ratio | 77.8567% | 1,080 |
| Assets per employee ($millions) | 5.4137% | 3,321 |
| Cash dividends to net income (ytd only)* | 34.7533% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 2,902 |
| Loan loss allowance to noncurrent loans | 737.8824% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,558 |
| Noncurrent loans to loans | 0.1475% | 2,774 |
| Net loans and leases to total assets | 58.2800% | 3,013 |
| Net loans and leases to deposits | 67.3659% | 3,080 |
| Net loans and leases to core deposits | 76.2514% | 2,960 |
| Total domestic deposits to total assets | 86.5100% | 1,856 |
| Equity capital to assets | 7.9695% | 3,441 |
| Core capital (leverage) ratio | 10.0306% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2443% | 2,154 |
| Memoranda: | ||
| Average total assets | $1,369,819,800 | 762 |
| Average earning assets | $1,253,960,600 | 764 |
| Average equity | $105,855,000 | 911 |
| Average total loans | $819,007,800 | 851 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 1,740 |
| Cost of funding earning assets | 1.2238% | 2,354 |
| Net interest margin | 3.8224% | 1,549 |
| Noninterest income to average assets | 1.8800% | 303 |
| Noninterest expense to average assets | 4.0715% | 345 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0245% | 2,289 |
| Return on assets (ROA) | 0.8734% | 2,768 |
| Pretax return on assets | 1.0545% | 2,700 |
| Return on Equity (ROE) | 11.4000% | 2,278 |
| Retained earnings to average equity (ytd only) | 7.8429% | 2,026 |
| Net charge-offs to loans | 0.0154% | 1,844 |
| Credit loss provision to net charge-offs | 758.0645% | 486 |
| Earnings coverage of net charge-offs (x) | 141.7527% | 760 |
| Efficiency ratio | 75.5390% | 1,217 |
| Assets per employee ($millions) | 5.1236% | 3,499 |
| Cash dividends to net income (ytd only)* | 31.2004% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,346 |
| Loan loss allowance to noncurrent loans | 461.7256% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 2,165 |
| Noncurrent loans to loans | 0.2604% | 2,302 |
| Net loans and leases to total assets | 59.9800% | 2,850 |
| Net loans and leases to deposits | 67.0160% | 3,054 |
| Net loans and leases to core deposits | 74.0845% | 2,992 |
| Total domestic deposits to total assets | 89.5000% | 1,072 |
| Equity capital to assets | 7.4114% | 3,407 |
| Core capital (leverage) ratio | 10.2974% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8384% | 1,954 |
| Memoranda: | ||
| Average total assets | $1,345,497,000 | 778 |
| Average earning assets | $1,232,737,000 | 782 |
| Average equity | $103,088,250 | 921 |
| Average total loans | $807,661,250 | 856 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 1,828 |
| Cost of funding earning assets | 1.0089% | 2,575 |
| Net interest margin | 3.8643% | 1,501 |
| Noninterest income to average assets | 1.7000% | 289 |
| Noninterest expense to average assets | 3.8736% | 377 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0788% | 2,176 |
| Return on assets (ROA) | 0.8623% | 2,883 |
| Pretax return on assets | 1.0345% | 2,819 |
| Return on Equity (ROE) | 11.1300% | 2,385 |
| Retained earnings to average equity (ytd only) | 7.2610% | 2,205 |
| Net charge-offs to loans | 0.0188% | 1,522 |
| Credit loss provision to net charge-offs | 626.6667% | 560 |
| Earnings coverage of net charge-offs (x) | 121.5200% | 840 |
| Efficiency ratio | 73.9317% | 1,353 |
| Assets per employee ($millions) | 5.1770% | 3,432 |
| Cash dividends to net income (ytd only)* | 34.7584% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,426 |
| Loan loss allowance to noncurrent loans | 571.2710% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 2,249 |
| Noncurrent loans to loans | 0.2104% | 2,420 |
| Net loans and leases to total assets | 59.8600% | 2,784 |
| Net loans and leases to deposits | 68.1959% | 2,912 |
| Net loans and leases to core deposits | 73.0764% | 2,955 |
| Total domestic deposits to total assets | 87.7800% | 1,680 |
| Equity capital to assets | 7.9154% | 3,273 |
| Core capital (leverage) ratio | 10.7967% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6450% | 1,674 |
| Memoranda: | ||
| Average total assets | $1,334,579,667 | 775 |
| Average earning assets | $1,222,932,667 | 774 |
| Average equity | $103,401,667 | 915 |
| Average total loans | $797,962,667 | 849 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,950 |
| Cost of funding earning assets | 0.7891% | 2,771 |
| Net interest margin | 3.8705% | 1,540 |
| Noninterest income to average assets | 1.6000% | 306 |
| Noninterest expense to average assets | 3.5501% | 508 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2711% | 1,750 |
| Return on assets (ROA) | 1.2176% | 1,849 |
| Pretax return on assets | 1.4697% | 1,732 |
| Return on Equity (ROE) | 15.8900% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.9376% | 1,108 |
| Net charge-offs to loans | 0.0178% | 1,334 |
| Credit loss provision to net charge-offs | 671.4286% | 472 |
| Earnings coverage of net charge-offs (x) | 152.0571% | 607 |
| Efficiency ratio | 68.8644% | 1,878 |
| Assets per employee ($millions) | 5.5079% | 3,216 |
| Cash dividends to net income (ytd only)* | 18.5782% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,497 |
| Loan loss allowance to noncurrent loans | 311.6279% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 1,630 |
| Noncurrent loans to loans | 0.3884% | 1,764 |
| Net loans and leases to total assets | 59.3200% | 2,736 |
| Net loans and leases to deposits | 67.2998% | 2,829 |
| Net loans and leases to core deposits | 70.4971% | 2,921 |
| Total domestic deposits to total assets | 88.1400% | 1,882 |
| Equity capital to assets | 8.0542% | 3,207 |
| Core capital (leverage) ratio | 10.8481% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9732% | 1,635 |
| Memoranda: | ||
| Average total assets | $1,326,265,500 | 796 |
| Average earning assets | $1,217,623,000 | 790 |
| Average equity | $101,626,000 | 936 |
| Average total loans | $787,577,500 | 870 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 1,551 |
| Cost of funding earning assets | 0.1915% | 3,828 |
| Net interest margin | 3.8738% | 1,018 |
| Noninterest income to average assets | 1.7600% | 290 |
| Noninterest expense to average assets | 3.5463% | 470 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4880% | 909 |
| Return on assets (ROA) | 1.2766% | 1,468 |
| Pretax return on assets | 1.4777% | 1,521 |
| Return on Equity (ROE) | 15.4300% | 1,154 |
| Retained earnings to average equity (ytd only) | 10.8382% | 922 |
| Net charge-offs to loans | -0.0341% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4115% | 2,162 |
| Assets per employee ($millions) | 5.5214% | 3,193 |
| Cash dividends to net income (ytd only)* | 29.7411% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,339 |
| Loan loss allowance to noncurrent loans | 305.7505% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 1,634 |
| Noncurrent loans to loans | 0.3956% | 1,731 |
| Net loans and leases to total assets | 58.0100% | 2,821 |
| Net loans and leases to deposits | 65.6460% | 2,912 |
| Net loans and leases to core deposits | 66.8898% | 3,073 |
| Total domestic deposits to total assets | 88.3600% | 1,944 |
| Equity capital to assets | 7.2703% | 3,507 |
| Core capital (leverage) ratio | 10.5410% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8924% | 1,658 |
| Memoranda: | ||
| Average total assets | $1,343,305,000 | 764 |
| Average earning assets | $1,239,960,400 | 770 |
| Average equity | $111,162,400 | 873 |
| Average total loans | $736,387,400 | 868 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 1,406 |
| Cost of funding earning assets | 0.1425% | 3,918 |
| Net interest margin | 3.7866% | 968 |
| Noninterest income to average assets | 1.8500% | 289 |
| Noninterest expense to average assets | 3.3931% | 528 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.5881% | 675 |
| Return on assets (ROA) | 1.3207% | 1,261 |
| Pretax return on assets | 1.5714% | 1,201 |
| Return on Equity (ROE) | 15.5000% | 1,081 |
| Retained earnings to average equity (ytd only) | 11.1441% | 1,011 |
| Net charge-offs to loans | -0.0446% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.3924% | 2,640 |
| Assets per employee ($millions) | 5.6038% | 3,121 |
| Cash dividends to net income (ytd only)* | 28.0878% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,425 |
| Loan loss allowance to noncurrent loans | 364.6778% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 1,884 |
| Noncurrent loans to loans | 0.3344% | 2,031 |
| Net loans and leases to total assets | 55.9100% | 2,909 |
| Net loans and leases to deposits | 62.6211% | 2,978 |
| Net loans and leases to core deposits | 63.5730% | 3,150 |
| Total domestic deposits to total assets | 89.2900% | 1,965 |
| Equity capital to assets | 6.7572% | 3,634 |
| Core capital (leverage) ratio | 10.5009% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7623% | 1,783 |
| Memoranda: | ||
| Average total assets | $1,347,848,750 | 767 |
| Average earning assets | $1,245,989,750 | 767 |
| Average equity | $114,867,750 | 862 |
| Average total loans | $725,961,750 | 874 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 1,302 |
| Cost of funding earning assets | 0.1291% | 3,851 |
| Net interest margin | 3.6763% | 950 |
| Noninterest income to average assets | 1.9362% | 242 |
| Noninterest expense to average assets | 3.2468% | 587 |
| Loan and lease loss provision to assets | 0.0694% | 1,372 |
| Net operating income to assets | 1.7071% | 422 |
| Return on assets (ROA) | 1.2828% | 1,169 |
| Pretax return on assets | 1.5217% | 1,122 |
| Return on Equity (ROE) | 14.0974% | 1,092 |
| Retained earnings to average equity (ytd only) | 9.2289% | 1,219 |
| Net charge-offs to loans | -0.0719% | 4,359 |
| Credit loss provision to net charge-offs | -182.1705% | 3,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7672% | 3,209 |
| Assets per employee ($millions) | 5.6696% | 3,064 |
| Cash dividends to net income (ytd only)* | 34.5344% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,582 |
| Loan loss allowance to noncurrent loans | 415.7993% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 2,106 |
| Noncurrent loans to loans | 0.2936% | 2,295 |
| Net loans and leases to total assets | 54.1098% | 2,953 |
| Net loans and leases to deposits | 60.6253% | 3,010 |
| Net loans and leases to core deposits | 61.5908% | 3,150 |
| Total domestic deposits to total assets | 89.2528% | 2,071 |
| Equity capital to assets | 7.7846% | 3,282 |
| Core capital (leverage) ratio | 10.2655% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7775% | 1,774 |
| Memoranda: | ||
| Average total assets | $1,354,433,333 | 762 |
| Average earning assets | $1,255,173,667 | 760 |
| Average equity | $123,243,000 | 811 |
| Average total loans | $717,363,333 | 868 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 1,260 |
| Cost of funding earning assets | 0.1435% | 3,585 |
| Net interest margin | 3.5627% | 959 |
| Noninterest income to average assets | 2.3278% | 197 |
| Noninterest expense to average assets | 3.0588% | 741 |
| Loan and lease loss provision to assets | 0.0690% | 1,189 |
| Net operating income to assets | 2.1442% | 172 |
| Return on assets (ROA) | 1.2796% | 1,041 |
| Pretax return on assets | 1.4997% | 1,017 |
| Return on Equity (ROE) | 13.1311% | 1,006 |
| Retained earnings to average equity (ytd only) | 9.3656% | 1,171 |
| Net charge-offs to loans | -0.0180% | 3,858 |
| Credit loss provision to net charge-offs | -734.3750% | 3,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1890% | 4,041 |
| Assets per employee ($millions) | 5.8862% | 2,914 |
| Cash dividends to net income (ytd only)* | 28.6763% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,962 |
| Loan loss allowance to noncurrent loans | 412.5912% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,225 |
| Noncurrent loans to loans | 0.2860% | 2,448 |
| Net loans and leases to total assets | 52.9658% | 2,882 |
| Net loans and leases to deposits | 61.0816% | 2,798 |
| Net loans and leases to core deposits | 62.3108% | 2,944 |
| Total domestic deposits to total assets | 86.7132% | 3,032 |
| Equity capital to assets | 8.9590% | 2,744 |
| Core capital (leverage) ratio | 10.0318% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7549% | 1,898 |
| Memoranda: | ||
| Average total assets | $1,362,637,500 | 761 |
| Average earning assets | $1,268,601,500 | 760 |
| Average equity | $132,784,500 | 771 |
| Average total loans | $709,570,000 | 870 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 1,580 |
| Cost of funding earning assets | 0.2451% | 2,991 |
| Net interest margin | 3.6646% | 1,302 |
| Noninterest income to average assets | 1.5290% | 484 |
| Noninterest expense to average assets | 3.4949% | 478 |
| Loan and lease loss provision to assets | 0.1120% | 1,125 |
| Net operating income to assets | 1.1479% | 2,118 |
| Return on assets (ROA) | 1.1966% | 1,991 |
| Pretax return on assets | 1.3860% | 2,094 |
| Return on Equity (ROE) | 11.3485% | 2,038 |
| Retained earnings to average equity (ytd only) | 9.5836% | 1,025 |
| Net charge-offs to loans | 0.3730% | 225 |
| Credit loss provision to net charge-offs | 59.1971% | 2,068 |
| Earnings coverage of net charge-offs (x) | 7.6153% | 2,337 |
| Efficiency ratio | 70.8000% | 1,644 |
| Assets per employee ($millions) | 6.2028% | 2,569 |
| Cash dividends to net income (ytd only)* | 15.5521% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,997 |
| Loan loss allowance to noncurrent loans | 407.1322% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,366 |
| Noncurrent loans to loans | 0.2885% | 2,563 |
| Net loans and leases to total assets | 49.9995% | 3,276 |
| Net loans and leases to deposits | 61.2597% | 2,962 |
| Net loans and leases to core deposits | 62.5544% | 3,112 |
| Total domestic deposits to total assets | 81.6190% | 4,024 |
| Equity capital to assets | 10.5070% | 2,173 |
| Core capital (leverage) ratio | 10.0199% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6102% | 2,015 |
| Memoranda: | ||
| Average total assets | $1,289,652,200 | 772 |
| Average earning assets | $1,199,097,600 | 769 |
| Average equity | $135,982,800 | 766 |
| Average total loans | $654,407,200 | 932 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 1,533 |
| Cost of funding earning assets | 0.2660% | 2,941 |
| Net interest margin | 3.7337% | 1,267 |
| Noninterest income to average assets | 1.6480% | 464 |
| Noninterest expense to average assets | 3.4514% | 493 |
| Loan and lease loss provision to assets | 0.0963% | 1,240 |
| Net operating income to assets | 1.3239% | 1,747 |
| Return on assets (ROA) | 1.3893% | 1,641 |
| Pretax return on assets | 1.6424% | 1,576 |
| Return on Equity (ROE) | 13.1629% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.3672% | 978 |
| Net charge-offs to loans | 0.5047% | 154 |
| Credit loss provision to net charge-offs | 37.5924% | 1,928 |
| Earnings coverage of net charge-offs (x) | 6.4844% | 2,174 |
| Efficiency ratio | 67.4993% | 1,900 |
| Assets per employee ($millions) | 6.0845% | 2,604 |
| Cash dividends to net income (ytd only)* | 13.6426% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,077 |
| Loan loss allowance to noncurrent loans | 357.8336% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 1,980 |
| Noncurrent loans to loans | 0.3298% | 2,601 |
| Net loans and leases to total assets | 48.5912% | 3,563 |
| Net loans and leases to deposits | 58.1072% | 3,398 |
| Net loans and leases to core deposits | 59.6193% | 3,495 |
| Total domestic deposits to total assets | 83.6233% | 3,555 |
| Equity capital to assets | 10.9005% | 2,086 |
| Core capital (leverage) ratio | 10.2091% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5531% | 1,778 |
| Memoranda: | ||
| Average total assets | $1,266,259,250 | 795 |
| Average earning assets | $1,175,262,250 | 797 |
| Average equity | $133,644,750 | 793 |
| Average total loans | $643,052,750 | 957 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 1,582 |
| Cost of funding earning assets | 0.2833% | 2,941 |
| Net interest margin | 3.7098% | 1,327 |
| Noninterest income to average assets | 1.6671% | 442 |
| Noninterest expense to average assets | 3.3473% | 581 |
| Loan and lease loss provision to assets | 0.0658% | 1,727 |
| Net operating income to assets | 1.3645% | 1,666 |
| Return on assets (ROA) | 1.4582% | 1,469 |
| Pretax return on assets | 1.8133% | 1,204 |
| Return on Equity (ROE) | 13.9787% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.1325% | 886 |
| Net charge-offs to loans | -0.0219% | 4,028 |
| Credit loss provision to net charge-offs | -585.7143% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5139% | 2,223 |
| Assets per employee ($millions) | 5.8989% | 2,715 |
| Cash dividends to net income (ytd only)* | 13.2071% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,536 |
| Loan loss allowance to noncurrent loans | 412.4202% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 2,036 |
| Noncurrent loans to loans | 0.3677% | 2,585 |
| Net loans and leases to total assets | 48.7409% | 3,662 |
| Net loans and leases to deposits | 57.9295% | 3,552 |
| Net loans and leases to core deposits | 59.8250% | 3,630 |
| Total domestic deposits to total assets | 84.1384% | 3,384 |
| Equity capital to assets | 11.2266% | 1,815 |
| Core capital (leverage) ratio | 10.4033% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2317% | 1,553 |
| Memoranda: | ||
| Average total assets | $1,246,208,667 | 797 |
| Average earning assets | $1,156,289,333 | 800 |
| Average equity | $129,998,000 | 808 |
| Average total loans | $639,998,333 | 968 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 1,121 |
| Cost of funding earning assets | 0.3022% | 2,970 |
| Net interest margin | 3.9460% | 915 |
| Noninterest income to average assets | 1.5763% | 558 |
| Noninterest expense to average assets | 3.2000% | 719 |
| Loan and lease loss provision to assets | 0.0670% | 1,811 |
| Net operating income to assets | 1.6577% | 1,009 |
| Return on assets (ROA) | 1.6577% | 1,057 |
| Pretax return on assets | 1.9814% | 977 |
| Return on Equity (ROE) | 16.5577% | 918 |
| Retained earnings to average equity (ytd only) | 14.5982% | 673 |
| Net charge-offs to loans | -0.0119% | 3,740 |
| Credit loss provision to net charge-offs | -1,078.9474% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9706% | 2,913 |
| Assets per employee ($millions) | 5.6768% | 2,939 |
| Cash dividends to net income (ytd only)* | 11.8343% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,772 |
| Loan loss allowance to noncurrent loans | 385.6209% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 1,807 |
| Noncurrent loans to loans | 0.3764% | 2,746 |
| Net loans and leases to total assets | 51.7971% | 3,464 |
| Net loans and leases to deposits | 60.7565% | 3,433 |
| Net loans and leases to core deposits | 62.7763% | 3,517 |
| Total domestic deposits to total assets | 85.2535% | 3,011 |
| Equity capital to assets | 9.8613% | 2,835 |
| Core capital (leverage) ratio | 9.2102% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6431% | 2,024 |
| Memoranda: | ||
| Average total assets | $1,223,385,500 | 807 |
| Average earning assets | $1,138,474,000 | 804 |
| Average equity | $122,481,000 | 851 |
| Average total loans | $640,318,500 | 961 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 2,373 |
| Cost of funding earning assets | 0.4939% | 2,985 |
| Net interest margin | 3.6235% | 2,059 |
| Noninterest income to average assets | 1.8275% | 382 |
| Noninterest expense to average assets | 3.7766% | 470 |
| Loan and lease loss provision to assets | 0.2076% | 1,903 |
| Net operating income to assets | 1.0317% | 2,170 |
| Return on assets (ROA) | 1.1302% | 1,923 |
| Pretax return on assets | 1.3063% | 1,949 |
| Return on Equity (ROE) | 10.7890% | 1,707 |
| Retained earnings to average equity (ytd only) | 5.8355% | 1,879 |
| Net charge-offs to loans | -0.0461% | 4,648 |
| Credit loss provision to net charge-offs | -800.0000% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9450% | 1,578 |
| Assets per employee ($millions) | 5.4965% | 2,851 |
| Cash dividends to net income (ytd only)* | 45.9129% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,724 |
| Loan loss allowance to noncurrent loans | 437.3991% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 1,984 |
| Noncurrent loans to loans | 0.3343% | 3,008 |
| Net loans and leases to total assets | 51.3526% | 3,717 |
| Net loans and leases to deposits | 60.7472% | 3,704 |
| Net loans and leases to core deposits | 62.9204% | 3,773 |
| Total domestic deposits to total assets | 84.5349% | 2,939 |
| Equity capital to assets | 10.1656% | 2,967 |
| Core capital (leverage) ratio | 9.0409% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6494% | 1,993 |
| Memoranda: | ||
| Average total assets | $1,079,221,000 | 819 |
| Average earning assets | $997,709,600 | 816 |
| Average equity | $113,050,000 | 871 |
| Average total loans | $607,796,600 | 962 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 2,452 |
| Cost of funding earning assets | 0.5450% | 2,962 |
| Net interest margin | 3.6324% | 2,150 |
| Noninterest income to average assets | 1.9062% | 338 |
| Noninterest expense to average assets | 3.8482% | 436 |
| Loan and lease loss provision to assets | 0.2376% | 1,710 |
| Net operating income to assets | 1.0051% | 2,321 |
| Return on assets (ROA) | 1.1365% | 1,981 |
| Pretax return on assets | 1.3205% | 1,975 |
| Return on Equity (ROE) | 10.7574% | 1,757 |
| Retained earnings to average equity (ytd only) | 5.0905% | 2,518 |
| Net charge-offs to loans | -0.1645% | 4,903 |
| Credit loss provision to net charge-offs | -251.0094% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2494% | 1,483 |
| Assets per employee ($millions) | 5.5222% | 2,689 |
| Cash dividends to net income (ytd only)* | 52.6788% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,521 |
| Loan loss allowance to noncurrent loans | 793.1799% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 2,343 |
| Noncurrent loans to loans | 0.1834% | 3,653 |
| Net loans and leases to total assets | 53.8410% | 3,817 |
| Net loans and leases to deposits | 63.5610% | 3,826 |
| Net loans and leases to core deposits | 65.8188% | 3,900 |
| Total domestic deposits to total assets | 84.7076% | 2,548 |
| Equity capital to assets | 10.0144% | 3,214 |
| Core capital (leverage) ratio | 9.2473% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8501% | 1,878 |
| Memoranda: | ||
| Average total assets | $1,046,721,250 | 827 |
| Average earning assets | $964,590,250 | 827 |
| Average equity | $110,581,500 | 881 |
| Average total loans | $602,200,250 | 966 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,327 |
| Cost of funding earning assets | 0.6070% | 2,929 |
| Net interest margin | 3.7479% | 2,001 |
| Noninterest income to average assets | 1.8351% | 328 |
| Noninterest expense to average assets | 4.0171% | 398 |
| Loan and lease loss provision to assets | 0.2407% | 1,748 |
| Net operating income to assets | 0.8862% | 2,746 |
| Return on assets (ROA) | 1.0913% | 2,119 |
| Pretax return on assets | 1.2624% | 2,145 |
| Return on Equity (ROE) | 10.1253% | 1,945 |
| Retained earnings to average equity (ytd only) | 5.1420% | 2,404 |
| Net charge-offs to loans | 0.0014% | 2,978 |
| Credit loss provision to net charge-offs | 30,250.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,589.2500% | 47 |
| Efficiency ratio | 76.0574% | 1,259 |
| Assets per employee ($millions) | 5.1755% | 2,970 |
| Cash dividends to net income (ytd only)* | 49.2162% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,323 |
| Loan loss allowance to noncurrent loans | 2,129.9191% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 2,625 |
| Noncurrent loans to loans | 0.0580% | 4,242 |
| Net loans and leases to total assets | 56.7438% | 3,627 |
| Net loans and leases to deposits | 67.2633% | 3,623 |
| Net loans and leases to core deposits | 69.8412% | 3,722 |
| Total domestic deposits to total assets | 84.3608% | 2,608 |
| Equity capital to assets | 10.2115% | 3,004 |
| Core capital (leverage) ratio | 9.8230% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0122% | 1,814 |
| Memoranda: | ||
| Average total assets | $1,005,394,000 | 847 |
| Average earning assets | $924,567,333 | 851 |
| Average equity | $108,362,333 | 890 |
| Average total loans | $589,726,333 | 973 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,933 |
| Cost of funding earning assets | 0.7290% | 2,785 |
| Net interest margin | 3.8940% | 1,691 |
| Noninterest income to average assets | 2.0174% | 269 |
| Noninterest expense to average assets | 4.2538% | 391 |
| Loan and lease loss provision to assets | 0.2333% | 1,326 |
| Net operating income to assets | 0.9574% | 2,324 |
| Return on assets (ROA) | 1.3857% | 1,098 |
| Pretax return on assets | 1.6261% | 1,001 |
| Return on Equity (ROE) | 12.4733% | 997 |
| Retained earnings to average equity (ytd only) | 8.3117% | 1,139 |
| Net charge-offs to loans | 0.0106% | 2,199 |
| Credit loss provision to net charge-offs | 3,700.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 324 |
| Efficiency ratio | 75.8355% | 1,582 |
| Assets per employee ($millions) | 4.4526% | 3,332 |
| Cash dividends to net income (ytd only)* | 33.3637% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,214 |
| Loan loss allowance to noncurrent loans | 1,836.5482% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,487 |
| Noncurrent loans to loans | 0.0700% | 4,250 |
| Net loans and leases to total assets | 58.6218% | 3,626 |
| Net loans and leases to deposits | 66.4756% | 3,836 |
| Net loans and leases to core deposits | 71.1034% | 3,811 |
| Total domestic deposits to total assets | 88.1855% | 1,025 |
| Equity capital to assets | 11.1223% | 2,758 |
| Core capital (leverage) ratio | 10.8492% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5071% | 1,755 |
| Memoranda: | ||
| Average total assets | $951,724,000 | 864 |
| Average earning assets | $877,862,000 | 869 |
| Average equity | $105,730,000 | 908 |
| Average total loans | $564,934,500 | 988 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 1,691 |
| Cost of funding earning assets | 0.9381% | 2,020 |
| Net interest margin | 3.9841% | 1,900 |
| Noninterest income to average assets | 2.5888% | 192 |
| Noninterest expense to average assets | 4.8827% | 235 |
| Loan and lease loss provision to assets | 0.0673% | 2,671 |
| Net operating income to assets | 1.1353% | 2,309 |
| Return on assets (ROA) | 1.3112% | 1,726 |
| Pretax return on assets | 1.5374% | 1,691 |
| Return on Equity (ROE) | 11.8183% | 1,579 |
| Retained earnings to average equity (ytd only) | 8.7593% | 771 |
| Net charge-offs to loans | 0.1007% | 1,720 |
| Credit loss provision to net charge-offs | 108.4656% | 2,297 |
| Earnings coverage of net charge-offs (x) | 22.5168% | 1,847 |
| Efficiency ratio | 77.7450% | 1,175 |
| Assets per employee ($millions) | 4.4838% | 3,249 |
| Cash dividends to net income (ytd only)* | 25.8829% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,541 |
| Loan loss allowance to noncurrent loans | 1,891.5254% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 2,428 |
| Noncurrent loans to loans | 0.0625% | 4,291 |
| Net loans and leases to total assets | 58.6324% | 3,707 |
| Net loans and leases to deposits | 66.5776% | 3,918 |
| Net loans and leases to core deposits | 71.3691% | 3,890 |
| Total domestic deposits to total assets | 88.0664% | 1,102 |
| Equity capital to assets | 11.0964% | 2,907 |
| Core capital (leverage) ratio | 10.6068% | 2,854 |
| Tier 1 risk-based capital ratio | 14.4570% | 3,041 |
| Total risk-based capital ratio | 15.4282% | 3,086 |
| Memoranda: | ||
| Average total assets | $913,423,200 | 866 |
| Average earning assets | $846,354,200 | 854 |
| Average equity | $101,343,200 | 895 |
| Average total loans | $562,925,200 | 963 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 1,597 |
| Cost of funding earning assets | 0.9689% | 1,894 |
| Net interest margin | 4.0099% | 1,905 |
| Noninterest income to average assets | 2.6240% | 184 |
| Noninterest expense to average assets | 4.7536% | 252 |
| Loan and lease loss provision to assets | 0.0908% | 2,089 |
| Net operating income to assets | 1.2855% | 1,905 |
| Return on assets (ROA) | 1.4825% | 1,293 |
| Pretax return on assets | 1.7229% | 1,272 |
| Return on Equity (ROE) | 13.3629% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.0359% | 738 |
| Net charge-offs to loans | 0.0937% | 1,536 |
| Credit loss provision to net charge-offs | 155.6962% | 1,588 |
| Earnings coverage of net charge-offs (x) | 27.1698% | 1,721 |
| Efficiency ratio | 74.9994% | 1,446 |
| Assets per employee ($millions) | 4.4795% | 3,244 |
| Cash dividends to net income (ytd only)* | 24.8979% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,502 |
| Loan loss allowance to noncurrent loans | 427.9128% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,314 |
| Noncurrent loans to loans | 0.2806% | 3,533 |
| Net loans and leases to total assets | 60.0702% | 3,667 |
| Net loans and leases to deposits | 68.4271% | 3,893 |
| Net loans and leases to core deposits | 75.9806% | 3,699 |
| Total domestic deposits to total assets | 87.7871% | 1,133 |
| Equity capital to assets | 11.3468% | 2,797 |
| Core capital (leverage) ratio | 10.5763% | 3,031 |
| Tier 1 risk-based capital ratio | 14.2756% | 3,186 |
| Total risk-based capital ratio | 15.2726% | 3,225 |
| Memoranda: | ||
| Average total assets | $903,017,000 | 875 |
| Average earning assets | $836,402,000 | 862 |
| Average equity | $100,185,000 | 901 |
| Average total loans | $561,990,500 | 959 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 1,486 |
| Cost of funding earning assets | 0.9792% | 1,798 |
| Net interest margin | 4.0217% | 1,851 |
| Noninterest income to average assets | 2.5728% | 192 |
| Noninterest expense to average assets | 4.7093% | 263 |
| Loan and lease loss provision to assets | 0.0921% | 2,010 |
| Net operating income to assets | 1.2950% | 1,793 |
| Return on assets (ROA) | 1.4687% | 1,290 |
| Pretax return on assets | 1.6969% | 1,273 |
| Return on Equity (ROE) | 13.3449% | 1,141 |
| Retained earnings to average equity (ytd only) | 9.8755% | 795 |
| Net charge-offs to loans | 0.0158% | 2,580 |
| Credit loss provision to net charge-offs | 931.8182% | 366 |
| Earnings coverage of net charge-offs (x) | 160.8182% | 466 |
| Efficiency ratio | 74.7673% | 1,544 |
| Assets per employee ($millions) | 4.4320% | 3,242 |
| Cash dividends to net income (ytd only)* | 25.9979% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,380 |
| Loan loss allowance to noncurrent loans | 104.6709% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9630% | 1,444 |
| Noncurrent loans to loans | 1.1714% | 1,375 |
| Net loans and leases to total assets | 60.7083% | 3,676 |
| Net loans and leases to deposits | 68.8439% | 3,912 |
| Net loans and leases to core deposits | 76.8862% | 3,655 |
| Total domestic deposits to total assets | 88.1825% | 1,016 |
| Equity capital to assets | 11.0138% | 3,037 |
| Core capital (leverage) ratio | 10.5140% | 3,072 |
| Tier 1 risk-based capital ratio | 14.0497% | 3,295 |
| Total risk-based capital ratio | 15.0801% | 3,307 |
| Memoranda: | ||
| Average total assets | $890,457,670 | 883 |
| Average earning assets | $824,923,670 | 870 |
| Average equity | $98,000,330 | 909 |
| Average total loans | $558,672,330 | 965 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 1,422 |
| Cost of funding earning assets | 0.9447% | 1,812 |
| Net interest margin | 4.0207% | 1,790 |
| Noninterest income to average assets | 2.4841% | 190 |
| Noninterest expense to average assets | 4.4893% | 292 |
| Loan and lease loss provision to assets | 0.0942% | 1,846 |
| Net operating income to assets | 1.4124% | 1,344 |
| Return on assets (ROA) | 1.4372% | 1,302 |
| Pretax return on assets | 1.6513% | 1,340 |
| Return on Equity (ROE) | 13.0636% | 1,197 |
| Retained earnings to average equity (ytd only) | 10.5570% | 917 |
| Net charge-offs to loans | 0.0239% | 1,970 |
| Credit loss provision to net charge-offs | 621.2121% | 527 |
| Earnings coverage of net charge-offs (x) | 113.2121% | 614 |
| Efficiency ratio | 72.3341% | 1,981 |
| Assets per employee ($millions) | 4.4267% | 3,293 |
| Cash dividends to net income (ytd only)* | 19.1877% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,465 |
| Loan loss allowance to noncurrent loans | 97.5540% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 1,280 |
| Noncurrent loans to loans | 1.2530% | 1,314 |
| Net loans and leases to total assets | 61.9395% | 3,510 |
| Net loans and leases to deposits | 70.3546% | 3,745 |
| Net loans and leases to core deposits | 78.7136% | 3,471 |
| Total domestic deposits to total assets | 88.0390% | 1,319 |
| Equity capital to assets | 11.0541% | 2,795 |
| Core capital (leverage) ratio | 10.8192% | 2,748 |
| Tier 1 risk-based capital ratio | 14.3052% | 3,189 |
| Total risk-based capital ratio | 15.3506% | 3,218 |
| Memoranda: | ||
| Average total assets | $870,331,500 | 901 |
| Average earning assets | $805,720,500 | 897 |
| Average equity | $95,747,000 | 923 |
| Average total loans | $551,992,500 | 979 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 1,298 |
| Cost of funding earning assets | 0.6399% | 2,462 |
| Net interest margin | 4.2561% | 1,259 |
| Noninterest income to average assets | 2.7203% | 176 |
| Noninterest expense to average assets | 4.9705% | 210 |
| Loan and lease loss provision to assets | 0.0747% | 2,636 |
| Net operating income to assets | 1.4106% | 1,392 |
| Return on assets (ROA) | 1.4361% | 1,308 |
| Pretax return on assets | 1.6378% | 1,350 |
| Return on Equity (ROE) | 13.0159% | 1,346 |
| Retained earnings to average equity (ytd only) | 10.3290% | 561 |
| Net charge-offs to loans | 0.0196% | 3,043 |
| Credit loss provision to net charge-offs | 581.7308% | 609 |
| Earnings coverage of net charge-offs (x) | 131.0481% | 614 |
| Efficiency ratio | 74.6993% | 1,538 |
| Assets per employee ($millions) | 4.3192% | 3,430 |
| Cash dividends to net income (ytd only)* | 20.6434% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,483 |
| Loan loss allowance to noncurrent loans | 84.4727% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2433% | 1,036 |
| Noncurrent loans to loans | 1.4413% | 1,073 |
| Net loans and leases to total assets | 63.3920% | 3,418 |
| Net loans and leases to deposits | 71.8450% | 3,685 |
| Net loans and leases to core deposits | 81.0108% | 3,348 |
| Total domestic deposits to total assets | 88.2343% | 1,193 |
| Equity capital to assets | 10.9460% | 2,737 |
| Core capital (leverage) ratio | 10.9429% | 2,577 |
| Tier 1 risk-based capital ratio | 14.3928% | 3,117 |
| Total risk-based capital ratio | 15.4450% | 3,133 |
| Memoranda: | ||
| Average total assets | $809,556,400 | 942 |
| Average earning assets | $748,242,600 | 936 |
| Average equity | $89,321,600 | 942 |
| Average total loans | $531,466,800 | 983 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 1,291 |
| Cost of funding earning assets | 0.5733% | 2,678 |
| Net interest margin | 4.2811% | 1,158 |
| Noninterest income to average assets | 2.7428% | 181 |
| Noninterest expense to average assets | 4.8299% | 229 |
| Loan and lease loss provision to assets | 0.0926% | 2,127 |
| Net operating income to assets | 1.5440% | 1,082 |
| Return on assets (ROA) | 1.5947% | 978 |
| Pretax return on assets | 1.8326% | 937 |
| Return on Equity (ROE) | 14.4227% | 1,005 |
| Retained earnings to average equity (ytd only) | 11.7069% | 522 |
| Net charge-offs to loans | 0.0210% | 2,714 |
| Credit loss provision to net charge-offs | 668.6747% | 546 |
| Earnings coverage of net charge-offs (x) | 134.8361% | 599 |
| Efficiency ratio | 72.1222% | 1,862 |
| Assets per employee ($millions) | 4.2226% | 3,541 |
| Cash dividends to net income (ytd only)* | 18.8304% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,494 |
| Loan loss allowance to noncurrent loans | 139.1716% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 1,623 |
| Noncurrent loans to loans | 0.8781% | 1,947 |
| Net loans and leases to total assets | 65.3061% | 3,275 |
| Net loans and leases to deposits | 76.4007% | 3,379 |
| Net loans and leases to core deposits | 86.0252% | 2,989 |
| Total domestic deposits to total assets | 85.4784% | 2,408 |
| Equity capital to assets | 11.0301% | 2,636 |
| Core capital (leverage) ratio | 11.0862% | 2,499 |
| Tier 1 risk-based capital ratio | 14.3224% | 3,204 |
| Total risk-based capital ratio | 15.3865% | 3,216 |
| Memoranda: | ||
| Average total assets | $799,223,000 | 950 |
| Average earning assets | $738,176,500 | 949 |
| Average equity | $88,367,500 | 945 |
| Average total loans | $527,822,500 | 990 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 1,248 |
| Cost of funding earning assets | 0.5356% | 2,728 |
| Net interest margin | 4.2645% | 1,123 |
| Noninterest income to average assets | 2.7405% | 184 |
| Noninterest expense to average assets | 4.7998% | 239 |
| Loan and lease loss provision to assets | 0.1035% | 1,879 |
| Net operating income to assets | 1.5494% | 1,036 |
| Return on assets (ROA) | 1.5529% | 1,032 |
| Pretax return on assets | 1.7773% | 1,014 |
| Return on Equity (ROE) | 14.0336% | 1,069 |
| Retained earnings to average equity (ytd only) | 11.2971% | 616 |
| Net charge-offs to loans | -0.0333% | 4,773 |
| Credit loss provision to net charge-offs | -471.2644% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8913% | 2,024 |
| Assets per employee ($millions) | 3.9577% | 3,974 |
| Cash dividends to net income (ytd only)* | 19.4995% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,376 |
| Loan loss allowance to noncurrent loans | 129.6137% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 1,545 |
| Noncurrent loans to loans | 0.9722% | 1,793 |
| Net loans and leases to total assets | 64.8021% | 3,307 |
| Net loans and leases to deposits | 75.2731% | 3,417 |
| Net loans and leases to core deposits | 85.4414% | 2,974 |
| Total domestic deposits to total assets | 86.0892% | 2,239 |
| Equity capital to assets | 11.1190% | 2,527 |
| Core capital (leverage) ratio | 11.0288% | 2,495 |
| Tier 1 risk-based capital ratio | 14.1658% | 3,280 |
| Total risk-based capital ratio | 15.2565% | 3,276 |
| Memoranda: | ||
| Average total assets | $792,566,670 | 956 |
| Average earning assets | $731,528,000 | 960 |
| Average equity | $87,704,000 | 954 |
| Average total loans | $523,229,670 | 999 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 1,117 |
| Cost of funding earning assets | 0.5307% | 2,538 |
| Net interest margin | 4.2535% | 1,040 |
| Noninterest income to average assets | 2.6450% | 185 |
| Noninterest expense to average assets | 4.6584% | 262 |
| Loan and lease loss provision to assets | 0.1042% | 1,781 |
| Net operating income to assets | 1.5840% | 887 |
| Return on assets (ROA) | 1.5845% | 891 |
| Pretax return on assets | 1.8137% | 886 |
| Return on Equity (ROE) | 14.3538% | 935 |
| Retained earnings to average equity (ytd only) | 11.5917% | 769 |
| Net charge-offs to loans | -0.0522% | 4,984 |
| Credit loss provision to net charge-offs | -301.4706% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8423% | 2,368 |
| Assets per employee ($millions) | 4.2191% | 3,618 |
| Cash dividends to net income (ytd only)* | 19.2431% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,592 |
| Loan loss allowance to noncurrent loans | 136.2768% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 1,566 |
| Noncurrent loans to loans | 0.9082% | 2,001 |
| Net loans and leases to total assets | 64.5868% | 3,226 |
| Net loans and leases to deposits | 74.4026% | 3,374 |
| Net loans and leases to core deposits | 85.0784% | 2,885 |
| Total domestic deposits to total assets | 86.8072% | 2,202 |
| Equity capital to assets | 10.9727% | 2,613 |
| Core capital (leverage) ratio | 10.7810% | 2,647 |
| Tier 1 risk-based capital ratio | 14.1163% | 3,319 |
| Total risk-based capital ratio | 15.1971% | 3,324 |
| Memoranda: | ||
| Average total assets | $787,140,500 | 972 |
| Average earning assets | $727,398,000 | 971 |
| Average equity | $86,890,000 | 967 |
| Average total loans | $521,206,500 | 1,009 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 994 |
| Cost of funding earning assets | 0.5186% | 2,191 |
| Net interest margin | 4.2711% | 1,030 |
| Noninterest income to average assets | 2.5578% | 216 |
| Noninterest expense to average assets | 4.7615% | 258 |
| Loan and lease loss provision to assets | 0.1408% | 1,618 |
| Net operating income to assets | 1.2548% | 1,347 |
| Return on assets (ROA) | 1.2623% | 1,344 |
| Pretax return on assets | 1.6107% | 1,261 |
| Return on Equity (ROE) | 11.5755% | 1,320 |
| Retained earnings to average equity (ytd only) | 8.6786% | 568 |
| Net charge-offs to loans | 0.2699% | 967 |
| Credit loss provision to net charge-offs | 78.2736% | 2,971 |
| Earnings coverage of net charge-offs (x) | 9.6811% | 2,762 |
| Efficiency ratio | 73.2149% | 2,030 |
| Assets per employee ($millions) | 4.2451% | 3,583 |
| Cash dividends to net income (ytd only)* | 25.0261% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,926 |
| Loan loss allowance to noncurrent loans | 118.8975% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 1,423 |
| Noncurrent loans to loans | 0.9872% | 1,795 |
| Net loans and leases to total assets | 66.2598% | 3,064 |
| Net loans and leases to deposits | 76.4438% | 3,285 |
| Net loans and leases to core deposits | 88.0249% | 2,719 |
| Total domestic deposits to total assets | 86.6778% | 2,160 |
| Equity capital to assets | 11.1057% | 2,535 |
| Core capital (leverage) ratio | 10.5198% | 2,828 |
| Tier 1 risk-based capital ratio | 13.6002% | 3,572 |
| Total risk-based capital ratio | 14.6281% | 3,609 |
| Memoranda: | ||
| Average total assets | $759,718,600 | 974 |
| Average earning assets | $701,827,800 | 975 |
| Average equity | $82,847,400 | 978 |
| Average total loans | $506,488,200 | 1,012 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 968 |
| Cost of funding earning assets | 0.5113% | 2,177 |
| Net interest margin | 4.2649% | 1,010 |
| Noninterest income to average assets | 2.4322% | 234 |
| Noninterest expense to average assets | 4.6305% | 284 |
| Loan and lease loss provision to assets | 0.1617% | 1,267 |
| Net operating income to assets | 1.2658% | 1,452 |
| Return on assets (ROA) | 1.3174% | 1,314 |
| Pretax return on assets | 1.6451% | 1,256 |
| Return on Equity (ROE) | 12.1389% | 1,296 |
| Retained earnings to average equity (ytd only) | 9.2076% | 788 |
| Net charge-offs to loans | 0.3690% | 570 |
| Credit loss provision to net charge-offs | 65.8273% | 2,740 |
| Earnings coverage of net charge-offs (x) | 7.0921% | 2,913 |
| Efficiency ratio | 72.6600% | 2,105 |
| Assets per employee ($millions) | 4.2616% | 3,541 |
| Cash dividends to net income (ytd only)* | 24.1481% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,172 |
| Loan loss allowance to noncurrent loans | 98.7754% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 1,472 |
| Noncurrent loans to loans | 1.1695% | 1,644 |
| Net loans and leases to total assets | 65.4907% | 3,179 |
| Net loans and leases to deposits | 76.0204% | 3,375 |
| Net loans and leases to core deposits | 87.1744% | 2,861 |
| Total domestic deposits to total assets | 86.1489% | 2,251 |
| Equity capital to assets | 10.9271% | 2,935 |
| Core capital (leverage) ratio | 10.4519% | 3,040 |
| Tier 1 risk-based capital ratio | 13.6683% | 3,603 |
| Total risk-based capital ratio | 14.6836% | 3,664 |
| Memoranda: | ||
| Average total assets | $754,374,250 | 986 |
| Average earning assets | $697,017,500 | 985 |
| Average equity | $81,872,750 | 996 |
| Average total loans | $502,185,250 | 1,025 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,084 |
| Cost of funding earning assets | 0.4928% | 2,229 |
| Net interest margin | 4.1942% | 1,090 |
| Noninterest income to average assets | 2.3824% | 244 |
| Noninterest expense to average assets | 4.5042% | 320 |
| Loan and lease loss provision to assets | 0.1904% | 980 |
| Net operating income to assets | 1.2624% | 1,399 |
| Return on assets (ROA) | 1.2611% | 1,431 |
| Pretax return on assets | 1.5544% | 1,478 |
| Return on Equity (ROE) | 11.6471% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.6753% | 948 |
| Net charge-offs to loans | 0.5413% | 357 |
| Credit loss provision to net charge-offs | 52.7489% | 2,534 |
| Earnings coverage of net charge-offs (x) | 4.8388% | 2,881 |
| Efficiency ratio | 72.0604% | 2,329 |
| Assets per employee ($millions) | 4.0240% | 3,919 |
| Cash dividends to net income (ytd only)* | 25.5156% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,436 |
| Loan loss allowance to noncurrent loans | 137.3699% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 1,896 |
| Noncurrent loans to loans | 0.8199% | 2,351 |
| Net loans and leases to total assets | 65.3145% | 3,209 |
| Net loans and leases to deposits | 76.0756% | 3,336 |
| Net loans and leases to core deposits | 87.2448% | 2,778 |
| Total domestic deposits to total assets | 85.8548% | 2,442 |
| Equity capital to assets | 10.7060% | 3,127 |
| Core capital (leverage) ratio | 10.3824% | 3,039 |
| Tier 1 risk-based capital ratio | 13.2751% | 3,820 |
| Total risk-based capital ratio | 14.2610% | 3,906 |
| Memoranda: | ||
| Average total assets | $745,877,000 | 999 |
| Average earning assets | $687,906,330 | 998 |
| Average equity | $80,758,000 | 1,009 |
| Average total loans | $497,344,000 | 1,028 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 958 |
| Cost of funding earning assets | 0.4860% | 2,198 |
| Net interest margin | 4.2017% | 987 |
| Noninterest income to average assets | 2.3583% | 255 |
| Noninterest expense to average assets | 4.2241% | 416 |
| Loan and lease loss provision to assets | 0.1126% | 1,700 |
| Net operating income to assets | 1.4959% | 813 |
| Return on assets (ROA) | 1.5006% | 834 |
| Pretax return on assets | 1.9059% | 620 |
| Return on Equity (ROE) | 13.7772% | 845 |
| Retained earnings to average equity (ytd only) | 10.7526% | 655 |
| Net charge-offs to loans | -0.0016% | 3,991 |
| Credit loss provision to net charge-offs | -10,250.0000% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7320% | 3,246 |
| Assets per employee ($millions) | 3.8972% | 4,187 |
| Cash dividends to net income (ytd only)* | 21.9539% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,327 |
| Loan loss allowance to noncurrent loans | 98.7528% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,644 |
| Noncurrent loans to loans | 1.3608% | 1,481 |
| Net loans and leases to total assets | 65.9414% | 2,983 |
| Net loans and leases to deposits | 77.9102% | 2,978 |
| Net loans and leases to core deposits | 89.8742% | 2,359 |
| Total domestic deposits to total assets | 84.6376% | 3,247 |
| Equity capital to assets | 10.9094% | 2,734 |
| Core capital (leverage) ratio | 10.7290% | 2,664 |
| Tier 1 risk-based capital ratio | 13.5362% | 3,753 |
| Total risk-based capital ratio | 14.7078% | 3,719 |
| Memoranda: | ||
| Average total assets | $728,486,500 | 1,018 |
| Average earning assets | $672,392,000 | 1,011 |
| Average equity | $79,348,500 | 1,020 |
| Average total loans | $488,170,500 | 1,043 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 896 |
| Cost of funding earning assets | 0.5153% | 1,977 |
| Net interest margin | 4.2815% | 959 |
| Noninterest income to average assets | 2.0469% | 336 |
| Noninterest expense to average assets | 4.6176% | 341 |
| Loan and lease loss provision to assets | 0.0929% | 2,501 |
| Net operating income to assets | 1.0740% | 2,018 |
| Return on assets (ROA) | 1.0873% | 2,054 |
| Pretax return on assets | 1.3024% | 2,276 |
| Return on Equity (ROE) | 9.7165% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.5456% | 1,024 |
| Net charge-offs to loans | 0.1845% | 1,502 |
| Credit loss provision to net charge-offs | 76.2016% | 3,040 |
| Earnings coverage of net charge-offs (x) | 11.3154% | 2,551 |
| Efficiency ratio | 77.0004% | 1,846 |
| Assets per employee ($millions) | 3.6933% | 4,489 |
| Cash dividends to net income (ytd only)* | 22.3420% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,343 |
| Loan loss allowance to noncurrent loans | 102.0428% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 1,780 |
| Noncurrent loans to loans | 1.3117% | 1,563 |
| Net loans and leases to total assets | 66.2900% | 3,032 |
| Net loans and leases to deposits | 77.7048% | 3,135 |
| Net loans and leases to core deposits | 87.3928% | 2,740 |
| Total domestic deposits to total assets | 85.3100% | 2,921 |
| Equity capital to assets | 10.8745% | 2,735 |
| Core capital (leverage) ratio | 10.5452% | 2,835 |
| Tier 1 risk-based capital ratio | 13.3708% | 3,847 |
| Total risk-based capital ratio | 14.5180% | 3,831 |
| Memoranda: | ||
| Average total assets | $699,798,600 | 1,021 |
| Average earning assets | $645,614,600 | 1,011 |
| Average equity | $78,310,200 | 1,013 |
| Average total loans | $462,307,200 | 1,051 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 856 |
| Cost of funding earning assets | 0.5226% | 1,922 |
| Net interest margin | 4.3004% | 926 |
| Noninterest income to average assets | 1.9991% | 348 |
| Noninterest expense to average assets | 4.4400% | 405 |
| Loan and lease loss provision to assets | 0.1077% | 2,131 |
| Net operating income to assets | 1.1588% | 1,773 |
| Return on assets (ROA) | 1.1786% | 1,812 |
| Pretax return on assets | 1.4423% | 1,911 |
| Return on Equity (ROE) | 10.4561% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.5856% | 945 |
| Net charge-offs to loans | 0.2859% | 800 |
| Credit loss provision to net charge-offs | 57.2885% | 2,943 |
| Earnings coverage of net charge-offs (x) | 8.1152% | 2,808 |
| Efficiency ratio | 74.4233% | 2,199 |
| Assets per employee ($millions) | 3.7438% | 4,399 |
| Cash dividends to net income (ytd only)* | 17.8891% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,648 |
| Loan loss allowance to noncurrent loans | 100.1931% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0578% | 1,949 |
| Noncurrent loans to loans | 1.3043% | 1,706 |
| Net loans and leases to total assets | 65.7764% | 3,162 |
| Net loans and leases to deposits | 77.5286% | 3,239 |
| Net loans and leases to core deposits | 87.6750% | 2,791 |
| Total domestic deposits to total assets | 84.8414% | 2,877 |
| Equity capital to assets | 11.3249% | 2,681 |
| Core capital (leverage) ratio | 10.5929% | 2,885 |
| Tier 1 risk-based capital ratio | 13.5012% | 3,859 |
| Total risk-based capital ratio | 14.6337% | 3,841 |
| Memoranda: | ||
| Average total assets | $695,621,000 | 1,030 |
| Average earning assets | $641,665,750 | 1,021 |
| Average equity | $78,408,500 | 1,019 |
| Average total loans | $457,529,500 | 1,064 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 805 |
| Cost of funding earning assets | 0.4891% | 2,197 |
| Net interest margin | 4.3585% | 835 |
| Noninterest income to average assets | 1.8612% | 385 |
| Noninterest expense to average assets | 4.2499% | 465 |
| Loan and lease loss provision to assets | 0.1379% | 1,642 |
| Net operating income to assets | 1.2213% | 1,528 |
| Return on assets (ROA) | 1.1910% | 1,730 |
| Pretax return on assets | 1.4528% | 1,829 |
| Return on Equity (ROE) | 10.5840% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.0366% | 838 |
| Net charge-offs to loans | 0.6139% | 337 |
| Credit loss provision to net charge-offs | 34.2960% | 2,821 |
| Earnings coverage of net charge-offs (x) | 4.0491% | 3,023 |
| Efficiency ratio | 72.3089% | 2,603 |
| Assets per employee ($millions) | 3.6304% | 4,548 |
| Cash dividends to net income (ytd only)* | 14.6199% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 3,152 |
| Loan loss allowance to noncurrent loans | 84.2933% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 1,783 |
| Noncurrent loans to loans | 1.4671% | 1,499 |
| Net loans and leases to total assets | 65.0534% | 3,222 |
| Net loans and leases to deposits | 77.3996% | 3,219 |
| Net loans and leases to core deposits | 88.0366% | 2,721 |
| Total domestic deposits to total assets | 84.0488% | 3,246 |
| Equity capital to assets | 11.4479% | 2,600 |
| Core capital (leverage) ratio | 10.6427% | 2,801 |
| Tier 1 risk-based capital ratio | 13.4428% | 3,941 |
| Total risk-based capital ratio | 14.5036% | 3,961 |
| Memoranda: | ||
| Average total assets | $689,140,000 | 1,039 |
| Average earning assets | $635,035,000 | 1,032 |
| Average equity | $77,551,330 | 1,027 |
| Average total loans | $451,182,330 | 1,076 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 718 |
| Cost of funding earning assets | 0.4774% | 2,304 |
| Net interest margin | 4.4046% | 734 |
| Noninterest income to average assets | 1.7213% | 418 |
| Noninterest expense to average assets | 4.1493% | 525 |
| Loan and lease loss provision to assets | 0.0511% | 2,902 |
| Net operating income to assets | 1.2821% | 1,299 |
| Return on assets (ROA) | 1.2260% | 1,580 |
| Pretax return on assets | 1.5124% | 1,544 |
| Return on Equity (ROE) | 10.9928% | 1,602 |
| Retained earnings to average equity (ytd only) | 9.4141% | 996 |
| Net charge-offs to loans | 0.3867% | 577 |
| Credit loss provision to net charge-offs | 20.2326% | 2,293 |
| Earnings coverage of net charge-offs (x) | 6.4698% | 2,241 |
| Efficiency ratio | 71.7621% | 2,834 |
| Assets per employee ($millions) | 3.6636% | 4,534 |
| Cash dividends to net income (ytd only)* | 14.3609% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,429 |
| Loan loss allowance to noncurrent loans | 87.3372% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 1,632 |
| Noncurrent loans to loans | 1.6016% | 1,445 |
| Net loans and leases to total assets | 64.5185% | 3,168 |
| Net loans and leases to deposits | 76.4025% | 3,172 |
| Net loans and leases to core deposits | 87.3820% | 2,625 |
| Total domestic deposits to total assets | 84.4455% | 3,335 |
| Equity capital to assets | 11.1794% | 2,742 |
| Core capital (leverage) ratio | 10.6368% | 2,811 |
| Tier 1 risk-based capital ratio | 13.1621% | 4,160 |
| Total risk-based capital ratio | 14.3310% | 4,128 |
| Memoranda: | ||
| Average total assets | $681,561,500 | 1,042 |
| Average earning assets | $628,346,500 | 1,042 |
| Average equity | $76,013,500 | 1,047 |
| Average total loans | $444,820,500 | 1,093 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 766 |
| Cost of funding earning assets | 0.5368% | 1,872 |
| Net interest margin | 4.3633% | 852 |
| Noninterest income to average assets | 1.7863% | 418 |
| Noninterest expense to average assets | 4.5160% | 408 |
| Loan and lease loss provision to assets | 0.0703% | 2,877 |
| Net operating income to assets | 1.0218% | 2,248 |
| Return on assets (ROA) | 1.1044% | 1,973 |
| Pretax return on assets | 1.3120% | 2,234 |
| Return on Equity (ROE) | 9.9534% | 2,029 |
| Retained earnings to average equity (ytd only) | 0.9018% | 5,162 |
| Net charge-offs to loans | 0.3645% | 803 |
| Credit loss provision to net charge-offs | 30.3979% | 3,651 |
| Earnings coverage of net charge-offs (x) | 5.5506% | 3,369 |
| Efficiency ratio | 77.8607% | 1,990 |
| Assets per employee ($millions) | 3.6453% | 4,571 |
| Cash dividends to net income (ytd only)* | 90.9401% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,940 |
| Loan loss allowance to noncurrent loans | 82.8906% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 1,352 |
| Noncurrent loans to loans | 1.8268% | 1,189 |
| Net loans and leases to total assets | 64.1068% | 3,261 |
| Net loans and leases to deposits | 76.1734% | 3,229 |
| Net loans and leases to core deposits | 88.0849% | 2,595 |
| Total domestic deposits to total assets | 84.1590% | 3,417 |
| Equity capital to assets | 11.1257% | 2,709 |
| Core capital (leverage) ratio | 10.4262% | 3,026 |
| Tier 1 risk-based capital ratio | 12.9637% | 4,348 |
| Total risk-based capital ratio | 14.2082% | 4,254 |
| Memoranda: | ||
| Average total assets | $662,638,000 | 1,035 |
| Average earning assets | $609,562,200 | 1,029 |
| Average equity | $73,522,600 | 1,042 |
| Average total loans | $420,616,800 | 1,086 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 794 |
| Cost of funding earning assets | 0.5486% | 1,816 |
| Net interest margin | 4.3365% | 893 |
| Noninterest income to average assets | 1.7656% | 426 |
| Noninterest expense to average assets | 4.2943% | 492 |
| Loan and lease loss provision to assets | 0.0772% | 2,642 |
| Net operating income to assets | 1.1318% | 1,891 |
| Return on assets (ROA) | 1.2343% | 1,599 |
| Pretax return on assets | 1.5067% | 1,670 |
| Return on Equity (ROE) | 11.1318% | 1,653 |
| Retained earnings to average equity (ytd only) | -0.4502% | 5,683 |
| Net charge-offs to loans | 0.4644% | 539 |
| Credit loss provision to net charge-offs | 26.3630% | 3,310 |
| Earnings coverage of net charge-offs (x) | 4.9821% | 3,266 |
| Efficiency ratio | 74.6408% | 2,451 |
| Assets per employee ($millions) | 3.5732% | 4,666 |
| Cash dividends to net income (ytd only)* | 104.0446% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 1,833 |
| Loan loss allowance to noncurrent loans | 75.6286% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 1,332 |
| Noncurrent loans to loans | 2.0992% | 1,079 |
| Net loans and leases to total assets | 62.3333% | 3,557 |
| Net loans and leases to deposits | 72.0890% | 3,757 |
| Net loans and leases to core deposits | 83.5062% | 3,101 |
| Total domestic deposits to total assets | 86.4671% | 2,299 |
| Equity capital to assets | 11.1397% | 2,863 |
| Core capital (leverage) ratio | 10.2879% | 3,267 |
| Tier 1 risk-based capital ratio | 13.2009% | 4,319 |
| Total risk-based capital ratio | 14.4516% | 4,242 |
| Memoranda: | ||
| Average total assets | $659,703,750 | 1,045 |
| Average earning assets | $606,649,250 | 1,042 |
| Average equity | $73,146,000 | 1,048 |
| Average total loans | $416,029,250 | 1,103 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 777 |
| Cost of funding earning assets | 0.5580% | 1,755 |
| Net interest margin | 4.3146% | 895 |
| Noninterest income to average assets | 1.5921% | 509 |
| Noninterest expense to average assets | 4.0357% | 649 |
| Loan and lease loss provision to assets | 0.0895% | 2,323 |
| Net operating income to assets | 1.1667% | 1,714 |
| Return on assets (ROA) | 1.2787% | 1,442 |
| Pretax return on assets | 1.5763% | 1,400 |
| Return on Equity (ROE) | 11.5507% | 1,510 |
| Retained earnings to average equity (ytd only) | -5.0012% | 6,021 |
| Net charge-offs to loans | 0.4264% | 604 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 5.6893% | 2,900 |
| Efficiency ratio | 72.5434% | 2,922 |
| Assets per employee ($millions) | 3.5703% | 4,677 |
| Cash dividends to net income (ytd only)* | 143.2977% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 1,557 |
| Loan loss allowance to noncurrent loans | 65.1724% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 1,121 |
| Noncurrent loans to loans | 2.6394% | 832 |
| Net loans and leases to total assets | 61.6231% | 3,608 |
| Net loans and leases to deposits | 71.0510% | 3,822 |
| Net loans and leases to core deposits | 83.3682% | 3,043 |
| Total domestic deposits to total assets | 86.7308% | 2,304 |
| Equity capital to assets | 10.8250% | 3,082 |
| Core capital (leverage) ratio | 10.2658% | 3,261 |
| Tier 1 risk-based capital ratio | 13.0466% | 4,491 |
| Total risk-based capital ratio | 14.2983% | 4,409 |
| Memoranda: | ||
| Average total assets | $659,260,330 | 1,050 |
| Average earning assets | $606,782,330 | 1,048 |
| Average equity | $72,982,330 | 1,054 |
| Average total loans | $415,142,000 | 1,109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 747 |
| Cost of funding earning assets | 0.5275% | 2,029 |
| Net interest margin | 4.3435% | 806 |
| Noninterest income to average assets | 1.2899% | 693 |
| Noninterest expense to average assets | 3.9451% | 729 |
| Loan and lease loss provision to assets | 0.0893% | 2,200 |
| Net operating income to assets | 1.0433% | 2,061 |
| Return on assets (ROA) | 1.1648% | 1,755 |
| Pretax return on assets | 1.4023% | 1,883 |
| Return on Equity (ROE) | 10.4065% | 1,828 |
| Retained earnings to average equity (ytd only) | -15.9678% | 6,232 |
| Net charge-offs to loans | 0.2714% | 883 |
| Credit loss provision to net charge-offs | 52.1277% | 2,081 |
| Earnings coverage of net charge-offs (x) | 7.8546% | 2,132 |
| Efficiency ratio | 74.5724% | 2,721 |
| Assets per employee ($millions) | 3.6635% | 4,588 |
| Cash dividends to net income (ytd only)* | 253.4411% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 1,499 |
| Loan loss allowance to noncurrent loans | 89.7348% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 1,490 |
| Noncurrent loans to loans | 2.0072% | 1,303 |
| Net loans and leases to total assets | 62.6618% | 3,272 |
| Net loans and leases to deposits | 72.8888% | 3,447 |
| Net loans and leases to core deposits | 85.0649% | 2,645 |
| Total domestic deposits to total assets | 85.9689% | 2,956 |
| Equity capital to assets | 10.9878% | 2,980 |
| Core capital (leverage) ratio | 10.1646% | 3,383 |
| Tier 1 risk-based capital ratio | 12.8263% | 4,713 |
| Total risk-based capital ratio | 14.0791% | 4,627 |
| Memoranda: | ||
| Average total assets | $658,637,000 | 1,053 |
| Average earning assets | $606,604,500 | 1,053 |
| Average equity | $73,723,500 | 1,049 |
| Average total loans | $415,638,500 | 1,103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 930 |
| Cost of funding earning assets | 0.5408% | 2,282 |
| Net interest margin | 4.3564% | 954 |
| Noninterest income to average assets | 1.3307% | 696 |
| Noninterest expense to average assets | 4.0571% | 707 |
| Loan and lease loss provision to assets | 0.1751% | 1,475 |
| Net operating income to assets | 0.9701% | 2,528 |
| Return on assets (ROA) | 0.9445% | 2,744 |
| Pretax return on assets | 1.0826% | 3,157 |
| Return on Equity (ROE) | 8.3325% | 2,946 |
| Retained earnings to average equity (ytd only) | -1.1969% | 5,944 |
| Net charge-offs to loans | 0.1098% | 2,947 |
| Credit loss provision to net charge-offs | 258.4270% | 991 |
| Earnings coverage of net charge-offs (x) | 18.9955% | 1,807 |
| Efficiency ratio | 75.9160% | 2,521 |
| Assets per employee ($millions) | 3.6958% | 4,535 |
| Cash dividends to net income (ytd only)* | 114.3640% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 1,363 |
| Loan loss allowance to noncurrent loans | 91.5717% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 1,584 |
| Noncurrent loans to loans | 2.0522% | 1,335 |
| Net loans and leases to total assets | 61.2263% | 3,607 |
| Net loans and leases to deposits | 71.6347% | 3,723 |
| Net loans and leases to core deposits | 82.9955% | 2,994 |
| Total domestic deposits to total assets | 85.4703% | 3,091 |
| Equity capital to assets | 11.3994% | 2,517 |
| Core capital (leverage) ratio | 10.4933% | 2,953 |
| Tier 1 risk-based capital ratio | 13.7040% | 4,295 |
| Total risk-based capital ratio | 14.9576% | 4,229 |
| Memoranda: | ||
| Average total assets | $656,744,400 | 1,021 |
| Average earning assets | $605,069,000 | 1,013 |
| Average equity | $74,443,400 | 983 |
| Average total loans | $405,457,200 | 1,085 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 997 |
| Cost of funding earning assets | 0.5437% | 2,343 |
| Net interest margin | 4.3238% | 1,002 |
| Noninterest income to average assets | 1.3208% | 698 |
| Noninterest expense to average assets | 3.9869% | 766 |
| Loan and lease loss provision to assets | 0.1726% | 1,428 |
| Net operating income to assets | 0.9131% | 2,849 |
| Return on assets (ROA) | 0.8780% | 3,127 |
| Pretax return on assets | 1.1018% | 3,181 |
| Return on Equity (ROE) | 7.7569% | 3,337 |
| Retained earnings to average equity (ytd only) | -3.1042% | 6,152 |
| Net charge-offs to loans | 0.0369% | 3,750 |
| Credit loss provision to net charge-offs | 758.9286% | 411 |
| Earnings coverage of net charge-offs (x) | 57.9552% | 885 |
| Efficiency ratio | 75.1503% | 2,639 |
| Assets per employee ($millions) | 3.5745% | 4,727 |
| Cash dividends to net income (ytd only)* | 140.0183% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 1,473 |
| Loan loss allowance to noncurrent loans | 77.5708% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.9562% | 1,482 |
| Noncurrent loans to loans | 2.4375% | 1,218 |
| Net loans and leases to total assets | 61.4524% | 3,568 |
| Net loans and leases to deposits | 71.5298% | 3,731 |
| Net loans and leases to core deposits | 82.9031% | 3,014 |
| Total domestic deposits to total assets | 85.9116% | 2,890 |
| Equity capital to assets | 11.3080% | 2,652 |
| Core capital (leverage) ratio | 10.5124% | 3,029 |
| Tier 1 risk-based capital ratio | 13.3702% | 4,623 |
| Total risk-based capital ratio | 14.6235% | 4,559 |
| Memoranda: | ||
| Average total assets | $656,467,750 | 1,026 |
| Average earning assets | $604,949,500 | 1,025 |
| Average equity | $74,306,500 | 986 |
| Average total loans | $404,198,500 | 1,082 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 1,033 |
| Cost of funding earning assets | 0.5493% | 2,356 |
| Net interest margin | 4.2731% | 1,085 |
| Noninterest income to average assets | 1.3602% | 650 |
| Noninterest expense to average assets | 3.8549% | 902 |
| Loan and lease loss provision to assets | 0.1674% | 1,464 |
| Net operating income to assets | 1.0326% | 2,192 |
| Return on assets (ROA) | 1.0048% | 2,372 |
| Pretax return on assets | 1.2403% | 2,499 |
| Return on Equity (ROE) | 8.8741% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.4370% | 3,350 |
| Net charge-offs to loans | 0.0308% | 3,581 |
| Credit loss provision to net charge-offs | 887.0968% | 370 |
| Earnings coverage of net charge-offs (x) | 76.4355% | 690 |
| Efficiency ratio | 72.7753% | 3,197 |
| Assets per employee ($millions) | 3.4375% | 4,979 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 1,652 |
| Loan loss allowance to noncurrent loans | 57.6382% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 1,086 |
| Noncurrent loans to loans | 3.2449% | 864 |
| Net loans and leases to total assets | 60.5425% | 3,626 |
| Net loans and leases to deposits | 70.8092% | 3,721 |
| Net loans and leases to core deposits | 82.3508% | 2,934 |
| Total domestic deposits to total assets | 85.5009% | 3,285 |
| Equity capital to assets | 11.7992% | 2,154 |
| Core capital (leverage) ratio | 11.0113% | 2,420 |
| Tier 1 risk-based capital ratio | 13.9243% | 4,300 |
| Total risk-based capital ratio | 15.1770% | 4,250 |
| Memoranda: | ||
| Average total assets | $657,247,330 | 1,029 |
| Average earning assets | $605,508,330 | 1,027 |
| Average equity | $74,419,000 | 981 |
| Average total loans | $402,356,330 | 1,086 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 1,029 |
| Cost of funding earning assets | 0.5536% | 2,398 |
| Net interest margin | 4.2531% | 1,090 |
| Noninterest income to average assets | 1.1279% | 874 |
| Noninterest expense to average assets | 3.8062% | 973 |
| Loan and lease loss provision to assets | 0.1815% | 1,321 |
| Net operating income to assets | 0.8299% | 3,004 |
| Return on assets (ROA) | 0.8181% | 3,132 |
| Pretax return on assets | 1.0487% | 3,143 |
| Return on Equity (ROE) | 7.3780% | 3,272 |
| Retained earnings to average equity (ytd only) | 3.4271% | 4,079 |
| Net charge-offs to loans | -0.0804% | 6,036 |
| Credit loss provision to net charge-offs | -370.3704% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3474% | 2,896 |
| Assets per employee ($millions) | 3.4960% | 4,926 |
| Cash dividends to net income (ytd only)* | 53.5503% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 1,969 |
| Loan loss allowance to noncurrent loans | 49.3588% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.9059% | 995 |
| Noncurrent loans to loans | 3.6973% | 762 |
| Net loans and leases to total assets | 59.8520% | 3,584 |
| Net loans and leases to deposits | 69.1212% | 3,722 |
| Net loans and leases to core deposits | 80.7608% | 2,880 |
| Total domestic deposits to total assets | 86.5899% | 3,053 |
| Equity capital to assets | 11.2094% | 2,513 |
| Core capital (leverage) ratio | 10.7921% | 2,608 |
| Tier 1 risk-based capital ratio | 13.5600% | 4,639 |
| Total risk-based capital ratio | 14.8121% | 4,581 |
| Memoranda: | ||
| Average total assets | $661,023,000 | 1,030 |
| Average earning assets | $609,808,500 | 1,026 |
| Average equity | $73,299,000 | 992 |
| Average total loans | $403,115,000 | 1,091 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 651 |
| Cost of funding earning assets | 0.6400% | 2,296 |
| Net interest margin | 4.5500% | 668 |
| Noninterest income to average assets | 1.5488% | 595 |
| Noninterest expense to average assets | 4.0027% | 876 |
| Loan and lease loss provision to assets | 0.2886% | 1,187 |
| Net operating income to assets | 1.1824% | 1,637 |
| Return on assets (ROA) | 1.0936% | 2,029 |
| Pretax return on assets | 1.3371% | 2,020 |
| Return on Equity (ROE) | 9.8475% | 2,170 |
| Retained earnings to average equity (ytd only) | 6.5978% | 1,627 |
| Net charge-offs to loans | 0.5865% | 1,126 |
| Credit loss provision to net charge-offs | 79.6603% | 3,054 |
| Earnings coverage of net charge-offs (x) | 4.7864% | 3,455 |
| Efficiency ratio | 69.7729% | 3,871 |
| Assets per employee ($millions) | 3.5946% | 4,694 |
| Cash dividends to net income (ytd only)* | 33.0004% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 2,248 |
| Loan loss allowance to noncurrent loans | 46.3129% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.9112% | 1,095 |
| Noncurrent loans to loans | 3.7714% | 788 |
| Net loans and leases to total assets | 59.9372% | 3,733 |
| Net loans and leases to deposits | 68.9915% | 3,908 |
| Net loans and leases to core deposits | 82.0404% | 2,894 |
| Total domestic deposits to total assets | 86.8761% | 2,794 |
| Equity capital to assets | 10.9669% | 2,643 |
| Core capital (leverage) ratio | 10.7123% | 2,663 |
| Tier 1 risk-based capital ratio | 13.4529% | 4,683 |
| Total risk-based capital ratio | 14.7042% | 4,618 |
| Memoranda: | ||
| Average total assets | $650,040,800 | 1,029 |
| Average earning assets | $598,306,000 | 1,022 |
| Average equity | $72,191,200 | 984 |
| Average total loans | $401,561,200 | 1,065 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 622 |
| Cost of funding earning assets | 0.6624% | 2,240 |
| Net interest margin | 4.5536% | 677 |
| Noninterest income to average assets | 1.5818% | 585 |
| Noninterest expense to average assets | 3.9168% | 944 |
| Loan and lease loss provision to assets | 0.2448% | 1,466 |
| Net operating income to assets | 1.2575% | 1,460 |
| Return on assets (ROA) | 1.1603% | 1,842 |
| Pretax return on assets | 1.4876% | 1,648 |
| Return on Equity (ROE) | 10.4147% | 2,034 |
| Retained earnings to average equity (ytd only) | 7.0798% | 1,835 |
| Net charge-offs to loans | 0.3828% | 1,677 |
| Credit loss provision to net charge-offs | 103.2090% | 2,272 |
| Earnings coverage of net charge-offs (x) | 7.8292% | 2,723 |
| Efficiency ratio | 67.8365% | 4,127 |
| Assets per employee ($millions) | 3.4942% | 4,861 |
| Cash dividends to net income (ytd only)* | 32.0213% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 2,155 |
| Loan loss allowance to noncurrent loans | 82.0342% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 1,989 |
| Noncurrent loans to loans | 2.2507% | 1,955 |
| Net loans and leases to total assets | 61.2207% | 3,486 |
| Net loans and leases to deposits | 70.6885% | 3,686 |
| Net loans and leases to core deposits | 81.6247% | 2,919 |
| Total domestic deposits to total assets | 86.6064% | 2,908 |
| Equity capital to assets | 11.0351% | 2,727 |
| Core capital (leverage) ratio | 10.7005% | 2,790 |
| Tier 1 risk-based capital ratio | 13.2137% | 4,975 |
| Total risk-based capital ratio | 14.4661% | 4,915 |
| Memoranda: | ||
| Average total assets | $648,098,750 | 1,038 |
| Average earning assets | $596,636,750 | 1,036 |
| Average equity | $72,203,750 | 996 |
| Average total loans | $401,631,250 | 1,066 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 596 |
| Cost of funding earning assets | 0.6953% | 2,101 |
| Net interest margin | 4.5379% | 663 |
| Noninterest income to average assets | 1.5320% | 665 |
| Noninterest expense to average assets | 3.8266% | 1,060 |
| Loan and lease loss provision to assets | 0.2692% | 1,371 |
| Net operating income to assets | 1.2598% | 1,433 |
| Return on assets (ROA) | 1.2368% | 1,593 |
| Pretax return on assets | 1.5856% | 1,409 |
| Return on Equity (ROE) | 11.0665% | 1,792 |
| Retained earnings to average equity (ytd only) | 7.5613% | 1,643 |
| Net charge-offs to loans | 0.5099% | 1,287 |
| Credit loss provision to net charge-offs | 85.3778% | 2,531 |
| Earnings coverage of net charge-offs (x) | 5.9755% | 2,794 |
| Efficiency ratio | 67.0062% | 4,362 |
| Assets per employee ($millions) | 3.4276% | 4,997 |
| Cash dividends to net income (ytd only)* | 31.6738% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 2,396 |
| Loan loss allowance to noncurrent loans | 121.3660% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.5855% | 2,736 |
| Noncurrent loans to loans | 1.4934% | 3,065 |
| Net loans and leases to total assets | 62.3635% | 3,227 |
| Net loans and leases to deposits | 72.1790% | 3,424 |
| Net loans and leases to core deposits | 84.5071% | 2,490 |
| Total domestic deposits to total assets | 86.4012% | 3,165 |
| Equity capital to assets | 11.1724% | 2,583 |
| Core capital (leverage) ratio | 10.5465% | 2,822 |
| Tier 1 risk-based capital ratio | 13.0141% | 5,136 |
| Total risk-based capital ratio | 14.2613% | 5,076 |
| Memoranda: | ||
| Average total assets | $646,323,670 | 1,041 |
| Average earning assets | $595,159,670 | 1,037 |
| Average equity | $72,236,330 | 998 |
| Average total loans | $399,656,330 | 1,068 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 633 |
| Cost of funding earning assets | 0.7494% | 1,854 |
| Net interest margin | 4.4260% | 769 |
| Noninterest income to average assets | 1.4784% | 708 |
| Noninterest expense to average assets | 3.7066% | 1,239 |
| Loan and lease loss provision to assets | 0.0984% | 3,042 |
| Net operating income to assets | 1.3682% | 1,106 |
| Return on assets (ROA) | 1.3327% | 1,297 |
| Pretax return on assets | 1.7083% | 1,052 |
| Return on Equity (ROE) | 11.9217% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.9295% | 1,774 |
| Net charge-offs to loans | 0.6398% | 958 |
| Credit loss provision to net charge-offs | 25.1969% | 2,962 |
| Earnings coverage of net charge-offs (x) | 4.7449% | 2,485 |
| Efficiency ratio | 66.6814% | 4,540 |
| Assets per employee ($millions) | 3.4694% | 5,041 |
| Cash dividends to net income (ytd only)* | 33.4871% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 2,733 |
| Loan loss allowance to noncurrent loans | 122.7981% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 2,798 |
| Noncurrent loans to loans | 1.4419% | 3,403 |
| Net loans and leases to total assets | 60.9454% | 3,259 |
| Net loans and leases to deposits | 70.6293% | 3,370 |
| Net loans and leases to core deposits | 83.1338% | 2,443 |
| Total domestic deposits to total assets | 86.2891% | 3,364 |
| Equity capital to assets | 11.4420% | 2,468 |
| Core capital (leverage) ratio | 10.4108% | 2,892 |
| Tier 1 risk-based capital ratio | 13.0574% | 5,175 |
| Total risk-based capital ratio | 14.3087% | 5,129 |
| Memoranda: | ||
| Average total assets | $650,723,000 | 1,043 |
| Average earning assets | $599,910,000 | 1,042 |
| Average equity | $72,741,000 | 1,002 |
| Average total loans | $397,023,500 | 1,070 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 637 |
| Cost of funding earning assets | 0.8678% | 2,158 |
| Net interest margin | 4.6194% | 756 |
| Noninterest income to average assets | 1.5759% | 637 |
| Noninterest expense to average assets | 3.8261% | 1,209 |
| Loan and lease loss provision to assets | 0.1300% | 3,990 |
| Net operating income to assets | 1.4487% | 1,009 |
| Return on assets (ROA) | 1.3447% | 1,330 |
| Pretax return on assets | 1.7219% | 1,088 |
| Return on Equity (ROE) | 12.4285% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.8635% | 1,631 |
| Net charge-offs to loans | 0.2239% | 3,603 |
| Credit loss provision to net charge-offs | 96.9626% | 3,203 |
| Earnings coverage of net charge-offs (x) | 14.8061% | 1,707 |
| Efficiency ratio | 65.8392% | 4,536 |
| Assets per employee ($millions) | 3.5842% | 4,819 |
| Cash dividends to net income (ytd only)* | 44.7758% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 2,346 |
| Loan loss allowance to noncurrent loans | 109.8269% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 2,863 |
| Noncurrent loans to loans | 1.7132% | 3,041 |
| Net loans and leases to total assets | 58.8905% | 3,821 |
| Net loans and leases to deposits | 69.3544% | 3,786 |
| Net loans and leases to core deposits | 79.9295% | 3,013 |
| Total domestic deposits to total assets | 84.9124% | 3,899 |
| Equity capital to assets | 10.9248% | 3,041 |
| Core capital (leverage) ratio | 10.1465% | 3,206 |
| Tier 1 risk-based capital ratio | 12.9725% | 5,123 |
| Total risk-based capital ratio | 14.2255% | 5,063 |
| Memoranda: | ||
| Average total assets | $638,423,800 | 1,036 |
| Average earning assets | $585,359,000 | 1,035 |
| Average equity | $69,075,200 | 1,020 |
| Average total loans | $382,352,400 | 1,091 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 603 |
| Cost of funding earning assets | 0.8655% | 2,425 |
| Net interest margin | 4.6922% | 680 |
| Noninterest income to average assets | 1.5605% | 609 |
| Noninterest expense to average assets | 3.6902% | 1,380 |
| Loan and lease loss provision to assets | 0.1054% | 4,251 |
| Net operating income to assets | 1.5880% | 868 |
| Return on assets (ROA) | 1.5000% | 1,134 |
| Pretax return on assets | 1.9481% | 781 |
| Return on Equity (ROE) | 13.8989% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.3699% | 821 |
| Net charge-offs to loans | 0.2012% | 3,525 |
| Credit loss provision to net charge-offs | 87.5657% | 3,378 |
| Earnings coverage of net charge-offs (x) | 18.0036% | 1,592 |
| Efficiency ratio | 62.9936% | 4,977 |
| Assets per employee ($millions) | 3.4580% | 5,070 |
| Cash dividends to net income (ytd only)* | 25.3901% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,412 |
| Loan loss allowance to noncurrent loans | 111.1891% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7969% | 2,918 |
| Noncurrent loans to loans | 1.7276% | 3,198 |
| Net loans and leases to total assets | 60.3856% | 3,701 |
| Net loans and leases to deposits | 71.9643% | 3,616 |
| Net loans and leases to core deposits | 82.4596% | 2,898 |
| Total domestic deposits to total assets | 83.9105% | 4,265 |
| Equity capital to assets | 11.6074% | 2,639 |
| Core capital (leverage) ratio | 10.3842% | 3,056 |
| Tier 1 risk-based capital ratio | 13.3098% | 5,016 |
| Total risk-based capital ratio | 14.5632% | 4,978 |
| Memoranda: | ||
| Average total assets | $632,260,750 | 1,051 |
| Average earning assets | $579,068,250 | 1,049 |
| Average equity | $68,234,000 | 1,038 |
| Average total loans | $378,446,250 | 1,117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 617 |
| Cost of funding earning assets | 0.8914% | 2,468 |
| Net interest margin | 4.6760% | 708 |
| Noninterest income to average assets | 1.3998% | 732 |
| Noninterest expense to average assets | 3.6176% | 1,547 |
| Loan and lease loss provision to assets | 0.0948% | 4,366 |
| Net operating income to assets | 1.5145% | 968 |
| Return on assets (ROA) | 1.4036% | 1,323 |
| Pretax return on assets | 1.8227% | 996 |
| Return on Equity (ROE) | 13.3397% | 1,272 |
| Retained earnings to average equity (ytd only) | 9.5395% | 1,106 |
| Net charge-offs to loans | 0.1231% | 3,944 |
| Credit loss provision to net charge-offs | 129.8701% | 2,118 |
| Earnings coverage of net charge-offs (x) | 28.2554% | 1,112 |
| Efficiency ratio | 63.7006% | 4,948 |
| Assets per employee ($millions) | 3.3736% | 5,265 |
| Cash dividends to net income (ytd only)* | 28.4878% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 2,246 |
| Loan loss allowance to noncurrent loans | 215.9784% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 3,777 |
| Noncurrent loans to loans | 0.9237% | 4,657 |
| Net loans and leases to total assets | 59.0481% | 3,988 |
| Net loans and leases to deposits | 69.8270% | 3,919 |
| Net loans and leases to core deposits | 81.2393% | 3,055 |
| Total domestic deposits to total assets | 84.5635% | 4,071 |
| Equity capital to assets | 11.0252% | 3,088 |
| Core capital (leverage) ratio | 9.9792% | 3,447 |
| Tier 1 risk-based capital ratio | 12.9195% | 5,240 |
| Total risk-based capital ratio | 14.1721% | 5,213 |
| Memoranda: | ||
| Average total assets | $633,229,330 | 1,047 |
| Average earning assets | $579,507,330 | 1,044 |
| Average equity | $66,628,000 | 1,050 |
| Average total loans | $375,434,000 | 1,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 677 |
| Cost of funding earning assets | 0.9212% | 2,506 |
| Net interest margin | 4.6441% | 756 |
| Noninterest income to average assets | 1.3209% | 817 |
| Noninterest expense to average assets | 3.5989% | 1,558 |
| Loan and lease loss provision to assets | 0.0946% | 4,166 |
| Net operating income to assets | 1.4475% | 1,124 |
| Return on assets (ROA) | 1.3203% | 1,565 |
| Pretax return on assets | 1.7150% | 1,268 |
| Return on Equity (ROE) | 12.8534% | 1,448 |
| Retained earnings to average equity (ytd only) | 8.3971% | 1,822 |
| Net charge-offs to loans | 0.0761% | 3,738 |
| Credit loss provision to net charge-offs | 211.2676% | 1,290 |
| Earnings coverage of net charge-offs (x) | 44.1127% | 692 |
| Efficiency ratio | 64.5701% | 4,823 |
| Assets per employee ($millions) | 3.4362% | 5,262 |
| Cash dividends to net income (ytd only)* | 34.6705% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 2,244 |
| Loan loss allowance to noncurrent loans | 239.0743% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 3,929 |
| Noncurrent loans to loans | 0.8524% | 4,970 |
| Net loans and leases to total assets | 57.4137% | 4,142 |
| Net loans and leases to deposits | 67.3738% | 4,166 |
| Net loans and leases to core deposits | 78.1273% | 3,306 |
| Total domestic deposits to total assets | 85.2167% | 3,926 |
| Equity capital to assets | 10.5220% | 3,465 |
| Core capital (leverage) ratio | 9.7196% | 3,745 |
| Tier 1 risk-based capital ratio | 12.6851% | 5,460 |
| Total risk-based capital ratio | 13.9390% | 5,418 |
| Memoranda: | ||
| Average total assets | $634,416,500 | 1,045 |
| Average earning assets | $580,955,500 | 1,040 |
| Average equity | $65,165,500 | 1,078 |
| Average total loans | $373,105,500 | 1,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 547 |
| Cost of funding earning assets | 1.0765% | 2,831 |
| Net interest margin | 4.7982% | 627 |
| Noninterest income to average assets | 1.3676% | 687 |
| Noninterest expense to average assets | 3.8097% | 1,332 |
| Loan and lease loss provision to assets | 0.2128% | 4,062 |
| Net operating income to assets | 1.3566% | 1,125 |
| Return on assets (ROA) | 1.2883% | 1,379 |
| Pretax return on assets | 1.6623% | 1,075 |
| Return on Equity (ROE) | 13.4343% | 1,059 |
| Retained earnings to average equity (ytd only) | 9.4569% | 681 |
| Net charge-offs to loans | 0.2799% | 4,020 |
| Credit loss provision to net charge-offs | 123.9583% | 2,534 |
| Earnings coverage of net charge-offs (x) | 11.4394% | 1,724 |
| Efficiency ratio | 65.9843% | 4,773 |
| Assets per employee ($millions) | 3.4223% | 5,195 |
| Cash dividends to net income (ytd only)* | 29.6063% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 2,241 |
| Loan loss allowance to noncurrent loans | 310.1114% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 1.2247% | 4,187 |
| Noncurrent loans to loans | 0.6485% | 5,411 |
| Net loans and leases to total assets | 57.8275% | 4,400 |
| Net loans and leases to deposits | 67.5845% | 4,496 |
| Net loans and leases to core deposits | 79.7650% | 3,475 |
| Total domestic deposits to total assets | 85.5633% | 3,561 |
| Equity capital to assets | 10.0204% | 4,144 |
| Core capital (leverage) ratio | 9.5883% | 3,893 |
| Tier 1 risk-based capital ratio | 11.7402% | 6,002 |
| Total risk-based capital ratio | 12.9928% | 5,983 |
| Memoranda: | ||
| Average total assets | $615,094,000 | 1,059 |
| Average earning assets | $564,811,200 | 1,050 |
| Average equity | $58,983,400 | 1,149 |
| Average total loans | $377,221,200 | 1,126 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8632% | 604 |
| Cost of funding earning assets | 1.0770% | 3,132 |
| Net interest margin | 4.7862% | 643 |
| Noninterest income to average assets | 1.3366% | 734 |
| Noninterest expense to average assets | 3.7028% | 1,490 |
| Loan and lease loss provision to assets | 0.2424% | 3,581 |
| Net operating income to assets | 1.3520% | 1,262 |
| Return on assets (ROA) | 1.3370% | 1,381 |
| Pretax return on assets | 1.7707% | 1,009 |
| Return on Equity (ROE) | 14.1074% | 1,020 |
| Retained earnings to average equity (ytd only) | 9.9464% | 859 |
| Net charge-offs to loans | 0.1657% | 4,464 |
| Credit loss provision to net charge-offs | 236.1702% | 1,204 |
| Earnings coverage of net charge-offs (x) | 19.8064% | 1,247 |
| Efficiency ratio | 64.5587% | 4,972 |
| Assets per employee ($millions) | 3.4257% | 5,177 |
| Cash dividends to net income (ytd only)* | 29.4953% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 2,035 |
| Loan loss allowance to noncurrent loans | 182.7243% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 4,083 |
| Noncurrent loans to loans | 1.1575% | 4,606 |
| Net loans and leases to total assets | 58.3270% | 4,452 |
| Net loans and leases to deposits | 68.5777% | 4,510 |
| Net loans and leases to core deposits | 80.2119% | 3,602 |
| Total domestic deposits to total assets | 85.0524% | 3,747 |
| Equity capital to assets | 10.0280% | 4,304 |
| Core capital (leverage) ratio | 9.4879% | 4,169 |
| Tier 1 risk-based capital ratio | 11.6944% | 6,113 |
| Total risk-based capital ratio | 12.9089% | 6,129 |
| Memoranda: | ||
| Average total assets | $610,585,500 | 1,075 |
| Average earning assets | $561,185,500 | 1,064 |
| Average equity | $57,868,750 | 1,176 |
| Average total loans | $378,117,500 | 1,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9130% | 563 |
| Cost of funding earning assets | 1.0733% | 3,442 |
| Net interest margin | 4.8397% | 568 |
| Noninterest income to average assets | 1.2708% | 776 |
| Noninterest expense to average assets | 3.6831% | 1,562 |
| Loan and lease loss provision to assets | 0.3008% | 2,999 |
| Net operating income to assets | 1.3078% | 1,291 |
| Return on assets (ROA) | 1.3342% | 1,305 |
| Pretax return on assets | 1.7672% | 934 |
| Return on Equity (ROE) | 14.3657% | 903 |
| Retained earnings to average equity (ytd only) | 9.8571% | 887 |
| Net charge-offs to loans | 0.2186% | 3,818 |
| Credit loss provision to net charge-offs | 219.2771% | 1,363 |
| Earnings coverage of net charge-offs (x) | 14.8241% | 1,453 |
| Efficiency ratio | 64.4311% | 5,161 |
| Assets per employee ($millions) | 3.4534% | 5,071 |
| Cash dividends to net income (ytd only)* | 31.3847% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 2,218 |
| Loan loss allowance to noncurrent loans | 169.9387% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 3,995 |
| Noncurrent loans to loans | 1.2100% | 4,636 |
| Net loans and leases to total assets | 60.1010% | 4,253 |
| Net loans and leases to deposits | 70.3529% | 4,391 |
| Net loans and leases to core deposits | 81.1618% | 3,628 |
| Total domestic deposits to total assets | 85.4278% | 3,656 |
| Equity capital to assets | 9.5947% | 4,666 |
| Core capital (leverage) ratio | 9.4388% | 4,049 |
| Tier 1 risk-based capital ratio | 11.6496% | 6,053 |
| Total risk-based capital ratio | 12.7458% | 6,158 |
| Memoranda: | ||
| Average total assets | $605,148,330 | 1,097 |
| Average earning assets | $555,864,330 | 1,087 |
| Average equity | $56,203,330 | 1,191 |
| Average total loans | $379,639,670 | 1,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 434 |
| Cost of funding earning assets | 1.0314% | 3,984 |
| Net interest margin | 5.0148% | 371 |
| Noninterest income to average assets | 1.2992% | 759 |
| Noninterest expense to average assets | 3.6457% | 1,661 |
| Loan and lease loss provision to assets | 0.4597% | 1,917 |
| Net operating income to assets | 1.3607% | 1,132 |
| Return on assets (ROA) | 1.1693% | 1,654 |
| Pretax return on assets | 1.5484% | 1,304 |
| Return on Equity (ROE) | 12.8066% | 1,243 |
| Retained earnings to average equity (ytd only) | 7.5088% | 1,934 |
| Net charge-offs to loans | 0.0053% | 5,055 |
| Credit loss provision to net charge-offs | 13,800.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 678.4000% | 27 |
| Efficiency ratio | 61.7329% | 5,721 |
| Assets per employee ($millions) | 3.3393% | 5,394 |
| Cash dividends to net income (ytd only)* | 41.3675% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 2,190 |
| Loan loss allowance to noncurrent loans | 192.4903% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 4,513 |
| Noncurrent loans to loans | 1.0899% | 4,875 |
| Net loans and leases to total assets | 62.0339% | 3,852 |
| Net loans and leases to deposits | 72.6001% | 3,971 |
| Net loans and leases to core deposits | 83.1635% | 3,286 |
| Total domestic deposits to total assets | 85.4460% | 3,812 |
| Equity capital to assets | 9.3644% | 4,632 |
| Core capital (leverage) ratio | 9.2324% | 4,237 |
| Tier 1 risk-based capital ratio | 12.0631% | 5,631 |
| Total risk-based capital ratio | 13.3189% | 5,622 |
| Memoranda: | ||
| Average total assets | $600,370,500 | 1,116 |
| Average earning assets | $551,488,500 | 1,105 |
| Average equity | $54,815,500 | 1,218 |
| Average total loans | $380,860,000 | 1,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1477% | 637 |
| Cost of funding earning assets | 1.3615% | 3,506 |
| Net interest margin | 4.7861% | 678 |
| Noninterest income to average assets | 1.4668% | 676 |
| Noninterest expense to average assets | 3.9312% | 1,262 |
| Loan and lease loss provision to assets | 0.4578% | 3,379 |
| Net operating income to assets | 1.1388% | 1,580 |
| Return on assets (ROA) | 1.0252% | 2,060 |
| Pretax return on assets | 1.3250% | 1,872 |
| Return on Equity (ROE) | 11.8331% | 1,354 |
| Retained earnings to average equity (ytd only) | 7.4196% | 1,172 |
| Net charge-offs to loans | 0.4368% | 3,868 |
| Credit loss provision to net charge-offs | 161.0948% | 2,163 |
| Earnings coverage of net charge-offs (x) | 6.7922% | 2,274 |
| Efficiency ratio | 67.0681% | 4,753 |
| Assets per employee ($millions) | 3.3500% | 5,308 |
| Cash dividends to net income (ytd only)* | 37.2981% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 2,577 |
| Loan loss allowance to noncurrent loans | 159.5474% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 4,482 |
| Noncurrent loans to loans | 1.1883% | 4,731 |
| Net loans and leases to total assets | 62.3070% | 4,221 |
| Net loans and leases to deposits | 72.8687% | 4,370 |
| Net loans and leases to core deposits | 83.7101% | 3,637 |
| Total domestic deposits to total assets | 85.5058% | 3,598 |
| Equity capital to assets | 8.8982% | 5,284 |
| Core capital (leverage) ratio | 8.9816% | 4,580 |
| Tier 1 risk-based capital ratio | 11.8783% | 5,594 |
| Total risk-based capital ratio | 13.0863% | 5,619 |
| Memoranda: | ||
| Average total assets | $597,828,000 | 1,123 |
| Average earning assets | $548,940,600 | 1,105 |
| Average equity | $51,795,200 | 1,287 |
| Average total loans | $388,960,200 | 1,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1879% | 629 |
| Cost of funding earning assets | 1.4030% | 3,566 |
| Net interest margin | 4.7849% | 697 |
| Noninterest income to average assets | 1.4347% | 658 |
| Noninterest expense to average assets | 3.7755% | 1,420 |
| Loan and lease loss provision to assets | 0.4079% | 3,455 |
| Net operating income to assets | 1.2002% | 1,593 |
| Return on assets (ROA) | 1.1014% | 1,987 |
| Pretax return on assets | 1.5089% | 1,591 |
| Return on Equity (ROE) | 12.8005% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.7484% | 1,135 |
| Net charge-offs to loans | 0.4449% | 3,528 |
| Credit loss provision to net charge-offs | 140.0614% | 2,839 |
| Earnings coverage of net charge-offs (x) | 7.0460% | 2,397 |
| Efficiency ratio | 64.7873% | 5,092 |
| Assets per employee ($millions) | 3.3545% | 5,315 |
| Cash dividends to net income (ytd only)* | 31.6559% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 3,030 |
| Loan loss allowance to noncurrent loans | 153.2606% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 4,177 |
| Noncurrent loans to loans | 1.1338% | 4,970 |
| Net loans and leases to total assets | 63.5231% | 4,218 |
| Net loans and leases to deposits | 75.5832% | 4,250 |
| Net loans and leases to core deposits | 86.7582% | 3,550 |
| Total domestic deposits to total assets | 84.0439% | 4,109 |
| Equity capital to assets | 9.2448% | 5,232 |
| Core capital (leverage) ratio | 8.9734% | 4,733 |
| Tier 1 risk-based capital ratio | 11.5401% | 5,890 |
| Total risk-based capital ratio | 12.7924% | 5,878 |
| Memoranda: | ||
| Average total assets | $596,535,000 | 1,134 |
| Average earning assets | $547,655,750 | 1,116 |
| Average equity | $51,330,000 | 1,305 |
| Average total loans | $390,457,250 | 1,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2130% | 607 |
| Cost of funding earning assets | 1.4702% | 3,425 |
| Net interest margin | 4.7428% | 738 |
| Noninterest income to average assets | 1.3289% | 720 |
| Noninterest expense to average assets | 3.8080% | 1,349 |
| Loan and lease loss provision to assets | 0.2016% | 4,857 |
| Net operating income to assets | 1.2194% | 1,512 |
| Return on assets (ROA) | 1.0087% | 2,237 |
| Pretax return on assets | 1.3817% | 1,882 |
| Return on Equity (ROE) | 12.0233% | 1,447 |
| Retained earnings to average equity (ytd only) | 7.9381% | 1,460 |
| Net charge-offs to loans | 0.0460% | 5,743 |
| Credit loss provision to net charge-offs | 666.6667% | 557 |
| Earnings coverage of net charge-offs (x) | 61.9000% | 502 |
| Efficiency ratio | 67.0433% | 4,754 |
| Assets per employee ($millions) | 3.3878% | 5,223 |
| Cash dividends to net income (ytd only)* | 33.9773% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 2,965 |
| Loan loss allowance to noncurrent loans | 82.0097% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.8709% | 3,658 |
| Noncurrent loans to loans | 2.1095% | 3,581 |
| Net loans and leases to total assets | 63.7799% | 4,303 |
| Net loans and leases to deposits | 75.3025% | 4,461 |
| Net loans and leases to core deposits | 86.7722% | 3,730 |
| Total domestic deposits to total assets | 84.6982% | 3,768 |
| Equity capital to assets | 8.5778% | 6,048 |
| Core capital (leverage) ratio | 8.7381% | 5,024 |
| Tier 1 risk-based capital ratio | 10.7121% | 6,517 |
| Total risk-based capital ratio | 11.9636% | 6,501 |
| Memoranda: | ||
| Average total assets | $595,227,000 | 1,140 |
| Average earning assets | $546,048,330 | 1,120 |
| Average equity | $49,936,330 | 1,338 |
| Average total loans | $391,218,000 | 1,175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1630% | 691 |
| Cost of funding earning assets | 1.5571% | 3,222 |
| Net interest margin | 4.6059% | 938 |
| Noninterest income to average assets | 1.2054% | 831 |
| Noninterest expense to average assets | 3.7145% | 1,492 |
| Loan and lease loss provision to assets | 0.2199% | 4,300 |
| Net operating income to assets | 1.0928% | 1,850 |
| Return on assets (ROA) | 0.9619% | 2,388 |
| Pretax return on assets | 1.3173% | 2,009 |
| Return on Equity (ROE) | 11.5967% | 1,610 |
| Retained earnings to average equity (ytd only) | 7.6932% | 1,846 |
| Net charge-offs to loans | 0.0948% | 4,465 |
| Credit loss provision to net charge-offs | 350.5376% | 1,155 |
| Earnings coverage of net charge-offs (x) | 27.3656% | 932 |
| Efficiency ratio | 68.3929% | 4,643 |
| Assets per employee ($millions) | 3.3740% | 5,359 |
| Cash dividends to net income (ytd only)* | 33.6606% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 3,270 |
| Loan loss allowance to noncurrent loans | 96.5022% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 4,082 |
| Noncurrent loans to loans | 1.7054% | 4,184 |
| Net loans and leases to total assets | 63.8851% | 4,355 |
| Net loans and leases to deposits | 75.6395% | 4,472 |
| Net loans and leases to core deposits | 88.7726% | 3,524 |
| Total domestic deposits to total assets | 84.4600% | 3,911 |
| Equity capital to assets | 8.2889% | 6,317 |
| Core capital (leverage) ratio | 8.6917% | 5,033 |
| Tier 1 risk-based capital ratio | 10.3432% | 6,766 |
| Total risk-based capital ratio | 11.5938% | 6,767 |
| Memoranda: | ||
| Average total assets | $593,019,500 | 1,167 |
| Average earning assets | $544,088,000 | 1,156 |
| Average equity | $49,186,500 | 1,365 |
| Average total loans | $392,235,000 | 1,203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6359% | 526 |
| Cost of funding earning assets | 2.0584% | 2,689 |
| Net interest margin | 4.5775% | 1,026 |
| Noninterest income to average assets | 1.4131% | 732 |
| Noninterest expense to average assets | 3.7884% | 1,723 |
| Loan and lease loss provision to assets | 0.3284% | 4,844 |
| Net operating income to assets | 1.1274% | 1,444 |
| Return on assets (ROA) | 1.0601% | 1,673 |
| Pretax return on assets | 1.4098% | 1,411 |
| Return on Equity (ROE) | 13.9606% | 791 |
| Retained earnings to average equity (ytd only) | 10.9513% | 283 |
| Net charge-offs to loans | 0.3354% | 4,560 |
| Credit loss provision to net charge-offs | 142.0532% | 3,402 |
| Earnings coverage of net charge-offs (x) | 7.9072% | 2,045 |
| Efficiency ratio | 67.4554% | 5,106 |
| Assets per employee ($millions) | 3.1808% | 5,766 |
| Cash dividends to net income (ytd only)* | 21.5553% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 3,338 |
| Loan loss allowance to noncurrent loans | 268.8121% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 5,479 |
| Noncurrent loans to loans | 0.5903% | 6,061 |
| Net loans and leases to total assets | 66.3054% | 4,079 |
| Net loans and leases to deposits | 79.1989% | 4,136 |
| Net loans and leases to core deposits | 104.1146% | 3,563 |
| Total domestic deposits to total assets | 83.7202% | 4,166 |
| Equity capital to assets | 8.2998% | 6,196 |
| Core capital (leverage) ratio | 8.7345% | 4,861 |
| Tier 1 risk-based capital ratio | 10.1932% | 6,691 |
| Total risk-based capital ratio | 11.3807% | 6,727 |
| Memoranda: | ||
| Average total assets | $568,894,600 | 1,219 |
| Average earning assets | $522,356,000 | 1,215 |
| Average equity | $43,200,200 | 1,548 |
| Average total loans | $392,054,000 | 1,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5944% | 620 |
| Cost of funding earning assets | 2.1950% | 2,434 |
| Net interest margin | 4.3994% | 1,441 |
| Noninterest income to average assets | 1.4351% | 724 |
| Noninterest expense to average assets | 3.7340% | 1,739 |
| Loan and lease loss provision to assets | 0.2169% | 5,248 |
| Net operating income to assets | 1.1155% | 1,689 |
| Return on assets (ROA) | 1.0997% | 1,792 |
| Pretax return on assets | 1.5066% | 1,399 |
| Return on Equity (ROE) | 14.8366% | 792 |
| Retained earnings to average equity (ytd only) | 11.8947% | 355 |
| Net charge-offs to loans | 0.1065% | 5,602 |
| Credit loss provision to net charge-offs | 293.9297% | 1,413 |
| Earnings coverage of net charge-offs (x) | 23.6519% | 1,111 |
| Efficiency ratio | 68.1496% | 4,938 |
| Assets per employee ($millions) | 3.1649% | 5,741 |
| Cash dividends to net income (ytd only)* | 19.8285% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,036 |
| Loan loss allowance to noncurrent loans | 192.4280% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 5,503 |
| Noncurrent loans to loans | 0.8255% | 5,646 |
| Net loans and leases to total assets | 67.5134% | 4,068 |
| Net loans and leases to deposits | 80.4495% | 4,310 |
| Net loans and leases to core deposits | 103.3678% | 4,016 |
| Total domestic deposits to total assets | 83.9201% | 3,757 |
| Equity capital to assets | 8.2576% | 6,547 |
| Core capital (leverage) ratio | 8.7676% | 5,023 |
| Tier 1 risk-based capital ratio | 10.3737% | 6,600 |
| Total risk-based capital ratio | 11.6245% | 6,538 |
| Memoranda: | ||
| Average total assets | $565,596,250 | 1,236 |
| Average earning assets | $519,903,500 | 1,226 |
| Average equity | $41,922,250 | 1,610 |
| Average total loans | $392,022,750 | 1,242 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5395% | 754 |
| Cost of funding earning assets | 2.3385% | 2,208 |
| Net interest margin | 4.2010% | 1,997 |
| Noninterest income to average assets | 1.3677% | 817 |
| Noninterest expense to average assets | 3.7497% | 1,743 |
| Loan and lease loss provision to assets | 0.1530% | 5,544 |
| Net operating income to assets | 0.9644% | 2,227 |
| Return on assets (ROA) | 1.0055% | 2,185 |
| Pretax return on assets | 1.3773% | 1,795 |
| Return on Equity (ROE) | 14.1154% | 971 |
| Retained earnings to average equity (ytd only) | 11.1185% | 543 |
| Net charge-offs to loans | 0.0752% | 5,455 |
| Credit loss provision to net charge-offs | 292.5170% | 1,597 |
| Earnings coverage of net charge-offs (x) | 28.1837% | 1,040 |
| Efficiency ratio | 71.7818% | 4,457 |
| Assets per employee ($millions) | 3.0385% | 6,028 |
| Cash dividends to net income (ytd only)* | 21.2314% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,037 |
| Loan loss allowance to noncurrent loans | 511.8659% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 6,285 |
| Noncurrent loans to loans | 0.2988% | 6,765 |
| Net loans and leases to total assets | 68.5548% | 4,059 |
| Net loans and leases to deposits | 80.8187% | 4,417 |
| Net loans and leases to core deposits | 106.4449% | 3,786 |
| Total domestic deposits to total assets | 84.8254% | 3,344 |
| Equity capital to assets | 7.3431% | 7,392 |
| Core capital (leverage) ratio | 8.4714% | 5,493 |
| Tier 1 risk-based capital ratio | 10.3366% | 6,555 |
| Total risk-based capital ratio | 11.5870% | 6,489 |
| Memoranda: | ||
| Average total assets | $562,124,330 | 1,265 |
| Average earning assets | $515,974,000 | 1,254 |
| Average equity | $40,041,330 | 1,698 |
| Average total loans | $390,976,330 | 1,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4192% | 1,026 |
| Cost of funding earning assets | 2.4918% | 1,947 |
| Net interest margin | 3.9273% | 2,944 |
| Noninterest income to average assets | 1.3115% | 829 |
| Noninterest expense to average assets | 3.6321% | 1,791 |
| Loan and lease loss provision to assets | 0.1696% | 4,774 |
| Net operating income to assets | 0.8169% | 3,060 |
| Return on assets (ROA) | 0.9495% | 2,645 |
| Pretax return on assets | 1.3008% | 2,283 |
| Return on Equity (ROE) | 13.5374% | 1,262 |
| Retained earnings to average equity (ytd only) | 10.5021% | 1,072 |
| Net charge-offs to loans | 0.1102% | 4,088 |
| Credit loss provision to net charge-offs | 221.2963% | 2,044 |
| Earnings coverage of net charge-offs (x) | 16.8148% | 1,532 |
| Efficiency ratio | 73.8102% | 3,859 |
| Assets per employee ($millions) | 3.2797% | 5,378 |
| Cash dividends to net income (ytd only)* | 22.4215% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 3,010 |
| Loan loss allowance to noncurrent loans | 2,222.6054% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 6,765 |
| Noncurrent loans to loans | 0.0674% | 7,334 |
| Net loans and leases to total assets | 64.2976% | 4,934 |
| Net loans and leases to deposits | 76.0638% | 5,217 |
| Net loans and leases to core deposits | 99.0353% | 4,637 |
| Total domestic deposits to total assets | 84.5312% | 3,448 |
| Equity capital to assets | 6.4174% | 7,899 |
| Core capital (leverage) ratio | 8.3416% | 5,827 |
| Tier 1 risk-based capital ratio | 10.1235% | 6,786 |
| Total risk-based capital ratio | 11.3456% | 6,728 |
| Memoranda: | ||
| Average total assets | $563,646,500 | 1,264 |
| Average earning assets | $518,010,000 | 1,254 |
| Average equity | $39,535,000 | 1,720 |
| Average total loans | $391,850,000 | 1,273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3347% | 554 |
| Cost of funding earning assets | 2.6092% | 3,642 |
| Net interest margin | 4.7254% | 926 |
| Noninterest income to average assets | 1.4795% | 645 |
| Noninterest expense to average assets | 4.0006% | 1,420 |
| Loan and lease loss provision to assets | 0.2472% | 4,442 |
| Net operating income to assets | 1.1518% | 1,935 |
| Return on assets (ROA) | 1.1671% | 1,810 |
| Pretax return on assets | 1.5881% | 1,420 |
| Return on Equity (ROE) | 14.1135% | 1,080 |
| Retained earnings to average equity (ytd only) | 11.2780% | 293 |
| Net charge-offs to loans | 0.2720% | 3,594 |
| Credit loss provision to net charge-offs | 122.2222% | 4,398 |
| Earnings coverage of net charge-offs (x) | 8.9720% | 2,784 |
| Efficiency ratio | 68.7981% | 4,579 |
| Assets per employee ($millions) | 2.9003% | 6,306 |
| Cash dividends to net income (ytd only)* | 20.0904% | 4,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 3,025 |
| Loan loss allowance to noncurrent loans | 3,543.1250% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 6,547 |
| Noncurrent loans to loans | 0.0404% | 7,341 |
| Net loans and leases to total assets | 73.1811% | 3,319 |
| Net loans and leases to deposits | 90.8708% | 3,304 |
| Net loans and leases to core deposits | 122.4234% | 2,465 |
| Total domestic deposits to total assets | 80.5331% | 4,829 |
| Equity capital to assets | 7.6779% | 7,229 |
| Core capital (leverage) ratio | 8.7269% | 5,157 |
| Tier 1 risk-based capital ratio | 10.3030% | 6,415 |
| Total risk-based capital ratio | 11.5533% | 6,288 |
| Memoranda: | ||
| Average total assets | $511,798,200 | 1,322 |
| Average earning assets | $469,564,800 | 1,318 |
| Average equity | $42,321,200 | 1,580 |
| Average total loans | $380,483,000 | 1,277 |