Home > ChoiceOne Bank > Performance and Condition Ratios
ChoiceOne 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 | 4.3866% | 3,305 |
| Cost of funding earning assets | 1.3947% | 2,244 |
| Net interest margin | 2.9919% | 3,301 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.2010% | 3,128 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9257% | 2,469 |
| Return on assets (ROA) | 0.9277% | 2,432 |
| Pretax return on assets | 1.1202% | 2,353 |
| Return on Equity (ROE) | 11.4600% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.0808% | 2,211 |
| Net charge-offs to loans | 0.0283% | 1,742 |
| Credit loss provision to net charge-offs | 348.4848% | 854 |
| Earnings coverage of net charge-offs (x) | 76.8650% | 1,048 |
| Efficiency ratio | 65.0439% | 2,474 |
| Assets per employee ($millions) | 6.9768% | 2,090 |
| Cash dividends to net income (ytd only)* | 46.9416% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 2,788 |
| Loan loss allowance to noncurrent loans | 910.8595% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,083 |
| Noncurrent loans to loans | 0.1217% | 2,909 |
| Net loans and leases to total assets | 54.3700% | 3,325 |
| Net loans and leases to deposits | 65.5884% | 3,198 |
| Net loans and leases to core deposits | 73.1035% | 3,120 |
| Total domestic deposits to total assets | 82.8900% | 2,919 |
| Equity capital to assets | 8.4281% | 3,103 |
| Core capital (leverage) ratio | 8.3870% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4261% | 2,444 |
| Memoranda: | ||
| Average total assets | $2,482,936,400 | 470 |
| Average earning assets | $2,255,670,000 | 471 |
| Average equity | $200,993,600 | 536 |
| Average total loans | $1,282,468,000 | 591 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,397 |
| Cost of funding earning assets | 1.2226% | 2,360 |
| Net interest margin | 3.0180% | 3,313 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.2223% | 3,019 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9469% | 2,523 |
| Return on assets (ROA) | 0.9408% | 2,532 |
| Pretax return on assets | 1.1316% | 2,480 |
| Return on Equity (ROE) | 11.7500% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.9579% | 2,650 |
| Net charge-offs to loans | 0.0260% | 1,551 |
| Credit loss provision to net charge-offs | 136.0656% | 1,380 |
| Earnings coverage of net charge-offs (x) | 85.2049% | 1,010 |
| Efficiency ratio | 65.1384% | 2,373 |
| Assets per employee ($millions) | 6.8386% | 2,081 |
| Cash dividends to net income (ytd only)* | 49.2886% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,723 |
| Loan loss allowance to noncurrent loans | 890.5389% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,141 |
| Noncurrent loans to loans | 0.1270% | 2,916 |
| Net loans and leases to total assets | 50.5600% | 3,583 |
| Net loans and leases to deposits | 60.6311% | 3,467 |
| Net loans and leases to core deposits | 68.1376% | 3,313 |
| Total domestic deposits to total assets | 83.4000% | 2,927 |
| Equity capital to assets | 7.8811% | 3,132 |
| Core capital (leverage) ratio | 8.3166% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6823% | 2,393 |
| Memoranda: | ||
| Average total assets | $2,460,062,500 | 478 |
| Average earning assets | $2,232,073,500 | 481 |
| Average equity | $196,998,250 | 540 |
| Average total loans | $1,249,244,000 | 608 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,567 |
| Cost of funding earning assets | 0.9814% | 2,661 |
| Net interest margin | 3.0800% | 3,268 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.2594% | 2,921 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.9759% | 2,502 |
| Return on assets (ROA) | 0.9759% | 2,491 |
| Pretax return on assets | 1.1682% | 2,454 |
| Return on Equity (ROE) | 12.1200% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.0600% | 2,597 |
| Net charge-offs to loans | 0.0155% | 1,620 |
| Credit loss provision to net charge-offs | -111.5789% | 4,546 |
| Earnings coverage of net charge-offs (x) | 146.6105% | 760 |
| Efficiency ratio | 65.0533% | 2,369 |
| Assets per employee ($millions) | 6.5264% | 2,261 |
| Cash dividends to net income (ytd only)* | 49.9958% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,727 |
| Loan loss allowance to noncurrent loans | 922.3276% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,023 |
| Noncurrent loans to loans | 0.1242% | 2,852 |
| Net loans and leases to total assets | 50.7500% | 3,507 |
| Net loans and leases to deposits | 60.0345% | 3,414 |
| Net loans and leases to core deposits | 67.2170% | 3,274 |
| Total domestic deposits to total assets | 84.5300% | 2,681 |
| Equity capital to assets | 8.1166% | 3,143 |
| Core capital (leverage) ratio | 8.6983% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6801% | 2,407 |
| Memoranda: | ||
| Average total assets | $2,422,983,000 | 474 |
| Average earning assets | $2,201,321,333 | 474 |
| Average equity | $195,115,333 | 537 |
| Average total loans | $1,227,318,000 | 604 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 3,618 |
| Cost of funding earning assets | 0.7313% | 2,959 |
| Net interest margin | 3.1958% | 3,124 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.3205% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9927% | 2,556 |
| Return on assets (ROA) | 1.0025% | 2,487 |
| Pretax return on assets | 1.1909% | 2,447 |
| Return on Equity (ROE) | 12.5000% | 2,098 |
| Retained earnings to average equity (ytd only) | 6.4366% | 2,658 |
| Net charge-offs to loans | 0.0093% | 1,595 |
| Credit loss provision to net charge-offs | 1,103.5714% | 338 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 423 |
| Efficiency ratio | 65.0250% | 2,324 |
| Assets per employee ($millions) | 6.3998% | 2,408 |
| Cash dividends to net income (ytd only)* | 48.5086% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,330 |
| Loan loss allowance to noncurrent loans | 943.9223% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,079 |
| Noncurrent loans to loans | 0.1314% | 2,855 |
| Net loans and leases to total assets | 49.8300% | 3,507 |
| Net loans and leases to deposits | 56.7056% | 3,533 |
| Net loans and leases to core deposits | 62.4746% | 3,422 |
| Total domestic deposits to total assets | 87.8800% | 1,965 |
| Equity capital to assets | 7.9586% | 3,267 |
| Core capital (leverage) ratio | 8.6910% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0483% | 2,373 |
| Memoranda: | ||
| Average total assets | $2,394,461,000 | 491 |
| Average earning assets | $2,178,621,500 | 491 |
| Average equity | $192,025,500 | 553 |
| Average total loans | $1,204,400,500 | 624 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 3,121 |
| Cost of funding earning assets | 0.2905% | 2,957 |
| Net interest margin | 3.1947% | 2,878 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.2495% | 2,895 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1167% | 2,092 |
| Return on assets (ROA) | 1.0672% | 2,254 |
| Pretax return on assets | 1.2552% | 2,260 |
| Return on Equity (ROE) | 12.6100% | 1,934 |
| Retained earnings to average equity (ytd only) | 12.6083% | 569 |
| Net charge-offs to loans | 0.0286% | 1,491 |
| Credit loss provision to net charge-offs | 78.3699% | 1,690 |
| Earnings coverage of net charge-offs (x) | 98.2696% | 981 |
| Efficiency ratio | 61.5877% | 2,824 |
| Assets per employee ($millions) | 6.3367% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 4,298 |
| Loan loss allowance to noncurrent loans | 603.7242% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,270 |
| Noncurrent loans to loans | 0.1056% | 3,011 |
| Net loans and leases to total assets | 49.8200% | 3,515 |
| Net loans and leases to deposits | 55.8243% | 3,587 |
| Net loans and leases to core deposits | 60.0130% | 3,505 |
| Total domestic deposits to total assets | 89.2400% | 1,650 |
| Equity capital to assets | 8.0811% | 3,011 |
| Core capital (leverage) ratio | 8.7000% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0136% | 2,372 |
| Memoranda: | ||
| Average total assets | $2,367,730,600 | 475 |
| Average earning assets | $2,152,848,200 | 477 |
| Average equity | $200,408,200 | 525 |
| Average total loans | $1,115,012,200 | 620 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3741% | 2,982 |
| Cost of funding earning assets | 0.2095% | 3,159 |
| Net interest margin | 3.1647% | 2,729 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.2603% | 2,756 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0984% | 2,108 |
| Return on assets (ROA) | 1.0321% | 2,323 |
| Pretax return on assets | 1.2187% | 2,295 |
| Return on Equity (ROE) | 12.0600% | 2,013 |
| Retained earnings to average equity (ytd only) | 12.0559% | 781 |
| Net charge-offs to loans | 0.0403% | 1,090 |
| Credit loss provision to net charge-offs | 30.2115% | 1,602 |
| Earnings coverage of net charge-offs (x) | 69.7644% | 1,108 |
| Efficiency ratio | 62.0178% | 2,820 |
| Assets per employee ($millions) | 6.1640% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 4,326 |
| Loan loss allowance to noncurrent loans | 622.9741% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,378 |
| Noncurrent loans to loans | 0.1049% | 3,131 |
| Net loans and leases to total assets | 48.0300% | 3,626 |
| Net loans and leases to deposits | 52.3096% | 3,712 |
| Net loans and leases to core deposits | 55.5138% | 3,655 |
| Total domestic deposits to total assets | 91.8200% | 935 |
| Equity capital to assets | 7.5556% | 3,186 |
| Core capital (leverage) ratio | 8.3387% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7865% | 2,559 |
| Memoranda: | ||
| Average total assets | $2,364,017,000 | 471 |
| Average earning assets | $2,150,193,750 | 479 |
| Average equity | $202,375,250 | 526 |
| Average total loans | $1,095,111,250 | 628 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 2,890 |
| Cost of funding earning assets | 0.1671% | 3,355 |
| Net interest margin | 3.0852% | 2,580 |
| Noninterest income to average assets | 0.7091% | 1,296 |
| Noninterest expense to average assets | 2.2592% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0772% | 1,867 |
| Return on assets (ROA) | 1.0187% | 2,060 |
| Pretax return on assets | 1.1993% | 2,077 |
| Return on Equity (ROE) | 11.4519% | 1,849 |
| Retained earnings to average equity (ytd only) | 11.4519% | 709 |
| Net charge-offs to loans | 0.0504% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 55.1360% | 1,116 |
| Efficiency ratio | 62.5992% | 2,966 |
| Assets per employee ($millions) | 6.2041% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 4,400 |
| Loan loss allowance to noncurrent loans | 597.1014% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,461 |
| Noncurrent loans to loans | 0.1100% | 3,201 |
| Net loans and leases to total assets | 47.5926% | 3,583 |
| Net loans and leases to deposits | 52.1671% | 3,670 |
| Net loans and leases to core deposits | 54.8031% | 3,650 |
| Total domestic deposits to total assets | 91.2311% | 1,138 |
| Equity capital to assets | 7.8906% | 3,207 |
| Core capital (leverage) ratio | 8.1464% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7205% | 2,596 |
| Memoranda: | ||
| Average total assets | $2,365,087,667 | 468 |
| Average earning assets | $2,160,504,333 | 473 |
| Average equity | $210,375,667 | 511 |
| Average total loans | $1,079,708,667 | 619 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2134% | 2,646 |
| Cost of funding earning assets | 0.1450% | 3,569 |
| Net interest margin | 3.0684% | 2,273 |
| Noninterest income to average assets | 0.7095% | 1,286 |
| Noninterest expense to average assets | 2.3022% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0384% | 1,729 |
| Return on assets (ROA) | 1.0056% | 1,855 |
| Pretax return on assets | 1.1850% | 1,859 |
| Return on Equity (ROE) | 10.7032% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.7032% | 847 |
| Net charge-offs to loans | 0.0330% | 973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 83.2989% | 731 |
| Efficiency ratio | 63.8475% | 3,044 |
| Assets per employee ($millions) | 6.3137% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,339 |
| Loan loss allowance to noncurrent loans | 651.3282% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,482 |
| Noncurrent loans to loans | 0.1121% | 3,272 |
| Net loans and leases to total assets | 43.5246% | 3,775 |
| Net loans and leases to deposits | 47.8381% | 3,879 |
| Net loans and leases to core deposits | 50.0176% | 3,872 |
| Total domestic deposits to total assets | 90.9830% | 1,044 |
| Equity capital to assets | 8.7886% | 2,889 |
| Core capital (leverage) ratio | 7.8519% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2871% | 2,489 |
| Memoranda: | ||
| Average total assets | $2,368,852,500 | 472 |
| Average earning assets | $2,174,296,000 | 473 |
| Average equity | $222,550,500 | 501 |
| Average total loans | $1,054,843,500 | 624 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 3,234 |
| Cost of funding earning assets | 0.1698% | 3,775 |
| Net interest margin | 3.1223% | 2,836 |
| Noninterest income to average assets | 0.8725% | 1,276 |
| Noninterest expense to average assets | 2.4524% | 2,331 |
| Loan and lease loss provision to assets | 0.0194% | 2,684 |
| Net operating income to assets | 1.0409% | 2,518 |
| Return on assets (ROA) | 1.0365% | 2,602 |
| Pretax return on assets | 1.2467% | 2,531 |
| Return on Equity (ROE) | 9.6932% | 2,640 |
| Retained earnings to average equity (ytd only) | 7.0277% | 1,909 |
| Net charge-offs to loans | 0.0303% | 1,633 |
| Credit loss provision to net charge-offs | 129.5950% | 1,583 |
| Earnings coverage of net charge-offs (x) | 85.1215% | 960 |
| Efficiency ratio | 64.2233% | 2,525 |
| Assets per employee ($millions) | 6.3202% | 2,468 |
| Cash dividends to net income (ytd only)* | 27.4984% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 4,391 |
| Loan loss allowance to noncurrent loans | 444.9074% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,371 |
| Noncurrent loans to loans | 0.1617% | 3,131 |
| Net loans and leases to total assets | 44.8924% | 3,774 |
| Net loans and leases to deposits | 51.2651% | 3,783 |
| Net loans and leases to core deposits | 53.6516% | 3,783 |
| Total domestic deposits to total assets | 87.5692% | 2,251 |
| Equity capital to assets | 10.0037% | 2,652 |
| Core capital (leverage) ratio | 7.8212% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8539% | 2,685 |
| Memoranda: | ||
| Average total assets | $2,149,052,400 | 495 |
| Average earning assets | $1,962,552,000 | 505 |
| Average equity | $229,789,600 | 479 |
| Average total loans | $1,059,964,600 | 624 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 3,290 |
| Cost of funding earning assets | 0.1800% | 3,826 |
| Net interest margin | 3.1574% | 2,870 |
| Noninterest income to average assets | 0.9279% | 1,195 |
| Noninterest expense to average assets | 2.4782% | 2,186 |
| Loan and lease loss provision to assets | 0.0265% | 2,469 |
| Net operating income to assets | 1.0870% | 2,606 |
| Return on assets (ROA) | 1.0857% | 2,664 |
| Pretax return on assets | 1.2986% | 2,631 |
| Return on Equity (ROE) | 9.9722% | 2,743 |
| Retained earnings to average equity (ytd only) | 6.3923% | 2,653 |
| Net charge-offs to loans | 0.0320% | 1,420 |
| Credit loss provision to net charge-offs | 163.7795% | 1,306 |
| Earnings coverage of net charge-offs (x) | 82.0866% | 972 |
| Efficiency ratio | 63.4507% | 2,469 |
| Assets per employee ($millions) | 6.3537% | 2,372 |
| Cash dividends to net income (ytd only)* | 35.8985% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 4,421 |
| Loan loss allowance to noncurrent loans | 447.7483% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,541 |
| Noncurrent loans to loans | 0.1674% | 3,285 |
| Net loans and leases to total assets | 45.1433% | 3,860 |
| Net loans and leases to deposits | 50.4877% | 3,986 |
| Net loans and leases to core deposits | 52.7293% | 3,999 |
| Total domestic deposits to total assets | 89.4144% | 1,062 |
| Equity capital to assets | 10.3662% | 2,559 |
| Core capital (leverage) ratio | 7.7959% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4015% | 2,583 |
| Memoranda: | ||
| Average total assets | $2,095,378,750 | 513 |
| Average earning assets | $1,909,260,750 | 519 |
| Average equity | $228,121,250 | 483 |
| Average total loans | $1,057,748,000 | 634 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 3,285 |
| Cost of funding earning assets | 0.1863% | 3,887 |
| Net interest margin | 3.1750% | 2,832 |
| Noninterest income to average assets | 0.9663% | 1,126 |
| Noninterest expense to average assets | 2.5023% | 2,135 |
| Loan and lease loss provision to assets | 0.0409% | 2,189 |
| Net operating income to assets | 1.0960% | 2,567 |
| Return on assets (ROA) | 1.0963% | 2,633 |
| Pretax return on assets | 1.3066% | 2,619 |
| Return on Equity (ROE) | 9.8934% | 2,780 |
| Retained earnings to average equity (ytd only) | 4.4626% | 3,373 |
| Net charge-offs to loans | 0.0111% | 1,740 |
| Credit loss provision to net charge-offs | 705.0847% | 576 |
| Earnings coverage of net charge-offs (x) | 232.4068% | 455 |
| Efficiency ratio | 63.3215% | 2,517 |
| Assets per employee ($millions) | 5.8519% | 2,762 |
| Cash dividends to net income (ytd only)* | 54.8934% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,392 |
| Loan loss allowance to noncurrent loans | 413.6316% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 3,535 |
| Noncurrent loans to loans | 0.1889% | 3,289 |
| Net loans and leases to total assets | 47.6550% | 3,764 |
| Net loans and leases to deposits | 53.6336% | 3,884 |
| Net loans and leases to core deposits | 56.2775% | 3,872 |
| Total domestic deposits to total assets | 88.8530% | 1,359 |
| Equity capital to assets | 10.8458% | 2,107 |
| Core capital (leverage) ratio | 7.8007% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7185% | 2,472 |
| Memoranda: | ||
| Average total assets | $2,035,633,333 | 519 |
| Average earning assets | $1,848,574,333 | 529 |
| Average equity | $225,564,667 | 484 |
| Average total loans | $1,065,467,000 | 633 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 3,017 |
| Cost of funding earning assets | 0.1952% | 3,955 |
| Net interest margin | 3.2725% | 2,475 |
| Noninterest income to average assets | 1.0013% | 1,128 |
| Noninterest expense to average assets | 2.4928% | 2,195 |
| Loan and lease loss provision to assets | 0.0501% | 2,090 |
| Net operating income to assets | 1.1836% | 2,216 |
| Return on assets (ROA) | 1.1838% | 2,285 |
| Pretax return on assets | 1.4207% | 2,223 |
| Return on Equity (ROE) | 10.5644% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.5411% | 3,356 |
| Net charge-offs to loans | 0.0378% | 1,090 |
| Credit loss provision to net charge-offs | 242.7184% | 828 |
| Earnings coverage of net charge-offs (x) | 71.1845% | 754 |
| Efficiency ratio | 61.3411% | 2,859 |
| Assets per employee ($millions) | 5.8231% | 2,768 |
| Cash dividends to net income (ytd only)* | 57.0146% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,522 |
| Loan loss allowance to noncurrent loans | 149.5941% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 2,863 |
| Noncurrent loans to loans | 0.4876% | 2,393 |
| Net loans and leases to total assets | 50.9571% | 3,541 |
| Net loans and leases to deposits | 57.1246% | 3,706 |
| Net loans and leases to core deposits | 59.9622% | 3,703 |
| Total domestic deposits to total assets | 89.2033% | 1,237 |
| Equity capital to assets | 10.5477% | 2,218 |
| Core capital (leverage) ratio | 8.0630% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1342% | 2,616 |
| Memoranda: | ||
| Average total assets | $1,994,253,000 | 519 |
| Average earning assets | $1,805,114,500 | 540 |
| Average equity | $223,468,500 | 481 |
| Average total loans | $1,089,465,000 | 617 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 3,901 |
| Cost of funding earning assets | 0.2817% | 4,237 |
| Net interest margin | 3.2806% | 3,125 |
| Noninterest income to average assets | 1.2296% | 739 |
| Noninterest expense to average assets | 2.7610% | 2,038 |
| Loan and lease loss provision to assets | 0.2283% | 1,709 |
| Net operating income to assets | 0.9693% | 2,398 |
| Return on assets (ROA) | 1.0301% | 2,323 |
| Pretax return on assets | 1.2414% | 2,185 |
| Return on Equity (ROE) | 8.2204% | 2,725 |
| Retained earnings to average equity (ytd only) | 2.3258% | 3,696 |
| Net charge-offs to loans | 0.0427% | 2,206 |
| Credit loss provision to net charge-offs | 860.2151% | 855 |
| Earnings coverage of net charge-offs (x) | 52.6172% | 1,153 |
| Efficiency ratio | 64.3534% | 2,763 |
| Assets per employee ($millions) | 5.2068% | 3,142 |
| Cash dividends to net income (ytd only)* | 71.7072% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,617 |
| Loan loss allowance to noncurrent loans | 113.2101% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 2,527 |
| Noncurrent loans to loans | 0.6000% | 2,193 |
| Net loans and leases to total assets | 57.7843% | 3,109 |
| Net loans and leases to deposits | 65.8270% | 3,287 |
| Net loans and leases to core deposits | 69.4031% | 3,290 |
| Total domestic deposits to total assets | 87.7820% | 1,573 |
| Equity capital to assets | 11.9135% | 1,615 |
| Core capital (leverage) ratio | 8.4252% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9453% | 2,649 |
| Memoranda: | ||
| Average total assets | $1,751,997,600 | 539 |
| Average earning assets | $1,563,656,800 | 555 |
| Average equity | $219,539,800 | 470 |
| Average total loans | $1,090,208,000 | 589 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,125 |
| Cost of funding earning assets | 0.3374% | 4,116 |
| Net interest margin | 3.6086% | 2,246 |
| Noninterest income to average assets | 1.3910% | 575 |
| Noninterest expense to average assets | 2.9752% | 1,497 |
| Loan and lease loss provision to assets | 0.2704% | 1,502 |
| Net operating income to assets | 1.1125% | 1,939 |
| Return on assets (ROA) | 1.2084% | 1,740 |
| Pretax return on assets | 1.4531% | 1,568 |
| Return on Equity (ROE) | 9.1225% | 2,345 |
| Retained earnings to average equity (ytd only) | 3.4789% | 3,313 |
| Net charge-offs to loans | 0.0540% | 1,838 |
| Credit loss provision to net charge-offs | 804.2895% | 976 |
| Earnings coverage of net charge-offs (x) | 47.8204% | 1,225 |
| Efficiency ratio | 62.8312% | 2,937 |
| Assets per employee ($millions) | 4.9633% | 3,296 |
| Cash dividends to net income (ytd only)* | 61.8650% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 4,627 |
| Loan loss allowance to noncurrent loans | 180.9202% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,249 |
| Noncurrent loans to loans | 0.3690% | 2,963 |
| Net loans and leases to total assets | 63.2274% | 2,858 |
| Net loans and leases to deposits | 72.8999% | 3,046 |
| Net loans and leases to core deposits | 76.8904% | 3,104 |
| Total domestic deposits to total assets | 86.7318% | 1,760 |
| Equity capital to assets | 12.8305% | 1,256 |
| Core capital (leverage) ratio | 8.9319% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6577% | 2,345 |
| Memoranda: | ||
| Average total assets | $1,479,040,250 | 605 |
| Average earning assets | $1,308,325,750 | 625 |
| Average equity | $195,921,500 | 507 |
| Average total loans | $921,274,500 | 690 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,314 |
| Cost of funding earning assets | 0.3932% | 4,063 |
| Net interest margin | 3.6086% | 2,454 |
| Noninterest income to average assets | 1.2831% | 619 |
| Noninterest expense to average assets | 3.0068% | 1,561 |
| Loan and lease loss provision to assets | 0.2452% | 1,717 |
| Net operating income to assets | 1.0047% | 2,307 |
| Return on assets (ROA) | 1.1557% | 1,911 |
| Pretax return on assets | 1.3920% | 1,746 |
| Return on Equity (ROE) | 8.6264% | 2,521 |
| Retained earnings to average equity (ytd only) | 2.9628% | 3,405 |
| Net charge-offs to loans | 0.0183% | 2,355 |
| Credit loss provision to net charge-offs | 2,164.6341% | 453 |
| Earnings coverage of net charge-offs (x) | 128.4512% | 593 |
| Efficiency ratio | 65.1969% | 2,634 |
| Assets per employee ($millions) | 4.9142% | 3,285 |
| Cash dividends to net income (ytd only)* | 65.6545% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 4,749 |
| Loan loss allowance to noncurrent loans | 139.0905% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 3,014 |
| Noncurrent loans to loans | 0.4267% | 2,882 |
| Net loans and leases to total assets | 62.6072% | 3,058 |
| Net loans and leases to deposits | 72.2852% | 3,228 |
| Net loans and leases to core deposits | 76.9444% | 3,200 |
| Total domestic deposits to total assets | 86.6113% | 1,770 |
| Equity capital to assets | 12.8657% | 1,220 |
| Core capital (leverage) ratio | 9.1390% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5428% | 1,984 |
| Memoranda: | ||
| Average total assets | $1,447,600,667 | 608 |
| Average earning assets | $1,275,247,667 | 628 |
| Average equity | $193,938,667 | 510 |
| Average total loans | $894,539,667 | 699 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 3,498 |
| Cost of funding earning assets | 0.5653% | 3,617 |
| Net interest margin | 3.5453% | 2,831 |
| Noninterest income to average assets | 1.4901% | 399 |
| Noninterest expense to average assets | 3.3119% | 1,201 |
| Loan and lease loss provision to assets | 0.3211% | 966 |
| Net operating income to assets | 0.9143% | 2,472 |
| Return on assets (ROA) | 0.8823% | 2,675 |
| Pretax return on assets | 1.0101% | 2,812 |
| Return on Equity (ROE) | 7.3100% | 2,825 |
| Retained earnings to average equity (ytd only) | 3.0091% | 3,082 |
| Net charge-offs to loans | 0.0377% | 1,667 |
| Credit loss provision to net charge-offs | 1,309.5238% | 476 |
| Earnings coverage of net charge-offs (x) | 55.7857% | 837 |
| Efficiency ratio | 70.7673% | 2,250 |
| Assets per employee ($millions) | 4.2192% | 3,629 |
| Cash dividends to net income (ytd only)* | 58.8352% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,730 |
| Loan loss allowance to noncurrent loans | 131.2159% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,431 |
| Noncurrent loans to loans | 0.7597% | 2,101 |
| Net loans and leases to total assets | 65.1218% | 2,927 |
| Net loans and leases to deposits | 77.4289% | 2,941 |
| Net loans and leases to core deposits | 91.6300% | 2,202 |
| Total domestic deposits to total assets | 84.1053% | 2,755 |
| Equity capital to assets | 12.0264% | 2,044 |
| Core capital (leverage) ratio | 9.9180% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0091% | 2,692 |
| Memoranda: | ||
| Average total assets | $685,054,000 | 1,137 |
| Average earning assets | $616,363,000 | 1,158 |
| Average equity | $82,681,500 | 1,107 |
| Average total loans | $446,150,500 | 1,191 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 3,369 |
| Cost of funding earning assets | 0.6625% | 3,346 |
| Net interest margin | 3.6965% | 2,824 |
| Noninterest income to average assets | 1.1349% | 728 |
| Noninterest expense to average assets | 3.2495% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0441% | 2,678 |
| Return on assets (ROA) | 1.0608% | 2,707 |
| Pretax return on assets | 1.2214% | 2,764 |
| Return on Equity (ROE) | 8.9162% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.8442% | 3,049 |
| Net charge-offs to loans | 0.1424% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 12.9708% | 2,382 |
| Efficiency ratio | 72.9958% | 1,737 |
| Assets per employee ($millions) | 4.0845% | 3,801 |
| Cash dividends to net income (ytd only)* | 56.8855% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,820 |
| Loan loss allowance to noncurrent loans | 111.1811% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 2,185 |
| Noncurrent loans to loans | 0.8400% | 1,829 |
| Net loans and leases to total assets | 63.8517% | 3,221 |
| Net loans and leases to deposits | 74.3674% | 3,318 |
| Net loans and leases to core deposits | 82.8200% | 3,057 |
| Total domestic deposits to total assets | 85.8598% | 2,115 |
| Equity capital to assets | 12.1137% | 2,066 |
| Core capital (leverage) ratio | 9.9868% | 3,536 |
| Tier 1 risk-based capital ratio | 12.4382% | 4,111 |
| Total risk-based capital ratio | 13.2089% | 4,265 |
| Memoranda: | ||
| Average total assets | $664,660,400 | 1,127 |
| Average earning assets | $596,374,400 | 1,158 |
| Average equity | $79,080,600 | 1,099 |
| Average total loans | $432,597,800 | 1,191 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 3,404 |
| Cost of funding earning assets | 0.6788% | 3,318 |
| Net interest margin | 3.7082% | 2,885 |
| Noninterest income to average assets | 1.1231% | 716 |
| Noninterest expense to average assets | 3.2742% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0217% | 2,903 |
| Return on assets (ROA) | 1.0442% | 2,892 |
| Pretax return on assets | 1.2010% | 2,977 |
| Return on Equity (ROE) | 8.8190% | 2,952 |
| Retained earnings to average equity (ytd only) | 3.3375% | 3,736 |
| Net charge-offs to loans | 0.1780% | 953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 10.1179% | 2,521 |
| Efficiency ratio | 73.5873% | 1,632 |
| Assets per employee ($millions) | 3.8884% | 4,042 |
| Cash dividends to net income (ytd only)* | 62.1554% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 3,898 |
| Loan loss allowance to noncurrent loans | 114.6376% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 2,256 |
| Noncurrent loans to loans | 0.8158% | 1,932 |
| Net loans and leases to total assets | 65.6405% | 3,093 |
| Net loans and leases to deposits | 75.4711% | 3,345 |
| Net loans and leases to core deposits | 86.1719% | 2,897 |
| Total domestic deposits to total assets | 86.9743% | 1,536 |
| Equity capital to assets | 12.2661% | 2,066 |
| Core capital (leverage) ratio | 9.7945% | 3,862 |
| Tier 1 risk-based capital ratio | 12.2414% | 4,288 |
| Total risk-based capital ratio | 13.0198% | 4,430 |
| Memoranda: | ||
| Average total assets | $662,339,000 | 1,129 |
| Average earning assets | $594,130,250 | 1,159 |
| Average equity | $78,419,500 | 1,105 |
| Average total loans | $432,151,500 | 1,201 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 3,410 |
| Cost of funding earning assets | 0.6833% | 3,259 |
| Net interest margin | 3.6898% | 2,960 |
| Noninterest income to average assets | 1.0613% | 764 |
| Noninterest expense to average assets | 3.1368% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0710% | 2,644 |
| Return on assets (ROA) | 1.0954% | 2,610 |
| Pretax return on assets | 1.2653% | 2,693 |
| Return on Equity (ROE) | 9.3639% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.9726% | 3,265 |
| Net charge-offs to loans | -0.0600% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7144% | 1,959 |
| Assets per employee ($millions) | 3.9462% | 3,941 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,957 |
| Loan loss allowance to noncurrent loans | 114.0380% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 1,970 |
| Noncurrent loans to loans | 0.9828% | 1,662 |
| Net loans and leases to total assets | 64.6600% | 3,271 |
| Net loans and leases to deposits | 75.1186% | 3,417 |
| Net loans and leases to core deposits | 88.3124% | 2,763 |
| Total domestic deposits to total assets | 86.0772% | 1,991 |
| Equity capital to assets | 12.2284% | 2,037 |
| Core capital (leverage) ratio | 9.8761% | 3,736 |
| Tier 1 risk-based capital ratio | 12.5211% | 4,112 |
| Total risk-based capital ratio | 13.4609% | 4,168 |
| Memoranda: | ||
| Average total assets | $662,775,000 | 1,127 |
| Average earning assets | $595,052,670 | 1,147 |
| Average equity | $77,531,670 | 1,111 |
| Average total loans | $430,202,000 | 1,208 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 3,491 |
| Cost of funding earning assets | 0.6551% | 3,297 |
| Net interest margin | 3.6671% | 3,018 |
| Noninterest income to average assets | 0.9421% | 940 |
| Noninterest expense to average assets | 3.1754% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9041% | 3,218 |
| Return on assets (ROA) | 0.9439% | 3,115 |
| Pretax return on assets | 1.1053% | 3,133 |
| Return on Equity (ROE) | 8.2523% | 3,141 |
| Retained earnings to average equity (ytd only) | 3.4730% | 3,525 |
| Net charge-offs to loans | -0.0529% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,608 |
| Assets per employee ($millions) | 4.1397% | 3,709 |
| Cash dividends to net income (ytd only)* | 57.9148% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,153 |
| Loan loss allowance to noncurrent loans | 298.4227% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,591 |
| Noncurrent loans to loans | 0.3672% | 3,266 |
| Net loans and leases to total assets | 64.0608% | 3,278 |
| Net loans and leases to deposits | 75.4228% | 3,315 |
| Net loans and leases to core deposits | 86.0981% | 2,861 |
| Total domestic deposits to total assets | 84.9356% | 2,700 |
| Equity capital to assets | 11.5795% | 2,323 |
| Core capital (leverage) ratio | 9.6752% | 3,945 |
| Tier 1 risk-based capital ratio | 12.0297% | 4,440 |
| Total risk-based capital ratio | 12.9317% | 4,524 |
| Memoranda: | ||
| Average total assets | $666,627,000 | 1,115 |
| Average earning assets | $598,406,000 | 1,146 |
| Average equity | $76,245,000 | 1,124 |
| Average total loans | $431,118,000 | 1,208 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 3,238 |
| Cost of funding earning assets | 0.4284% | 3,810 |
| Net interest margin | 3.8329% | 2,553 |
| Noninterest income to average assets | 1.0644% | 823 |
| Noninterest expense to average assets | 3.1728% | 1,623 |
| Loan and lease loss provision to assets | 0.0055% | 4,007 |
| Net operating income to assets | 1.1443% | 2,415 |
| Return on assets (ROA) | 1.1323% | 2,463 |
| Pretax return on assets | 1.3103% | 2,461 |
| Return on Equity (ROE) | 10.0488% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.1684% | 2,107 |
| Net charge-offs to loans | -0.0148% | 4,608 |
| Credit loss provision to net charge-offs | -57.3770% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4679% | 2,111 |
| Assets per employee ($millions) | 4.1158% | 3,726 |
| Cash dividends to net income (ytd only)* | 38.6154% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,193 |
| Loan loss allowance to noncurrent loans | 305.0261% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,619 |
| Noncurrent loans to loans | 0.3558% | 3,266 |
| Net loans and leases to total assets | 63.8718% | 3,374 |
| Net loans and leases to deposits | 73.6281% | 3,533 |
| Net loans and leases to core deposits | 84.3705% | 3,049 |
| Total domestic deposits to total assets | 86.7492% | 1,893 |
| Equity capital to assets | 11.2954% | 2,419 |
| Core capital (leverage) ratio | 9.7694% | 3,839 |
| Tier 1 risk-based capital ratio | 11.9828% | 4,432 |
| Total risk-based capital ratio | 12.8803% | 4,539 |
| Memoranda: | ||
| Average total assets | $640,378,200 | 1,130 |
| Average earning assets | $574,428,000 | 1,171 |
| Average equity | $72,158,200 | 1,129 |
| Average total loans | $411,104,000 | 1,227 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 3,224 |
| Cost of funding earning assets | 0.3809% | 3,991 |
| Net interest margin | 3.8446% | 2,487 |
| Noninterest income to average assets | 1.0592% | 843 |
| Noninterest expense to average assets | 3.1596% | 1,622 |
| Loan and lease loss provision to assets | 0.0074% | 3,827 |
| Net operating income to assets | 1.1396% | 2,492 |
| Return on assets (ROA) | 1.1423% | 2,488 |
| Pretax return on assets | 1.3483% | 2,437 |
| Return on Equity (ROE) | 10.1442% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.6419% | 2,860 |
| Net charge-offs to loans | -0.0033% | 4,150 |
| Credit loss provision to net charge-offs | -350.0000% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0252% | 2,182 |
| Assets per employee ($millions) | 4.0395% | 3,819 |
| Cash dividends to net income (ytd only)* | 44.3830% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,173 |
| Loan loss allowance to noncurrent loans | 363.3648% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 3,782 |
| Noncurrent loans to loans | 0.3037% | 3,586 |
| Net loans and leases to total assets | 64.0865% | 3,414 |
| Net loans and leases to deposits | 75.9047% | 3,426 |
| Net loans and leases to core deposits | 85.3457% | 3,060 |
| Total domestic deposits to total assets | 84.4301% | 2,801 |
| Equity capital to assets | 11.0962% | 2,581 |
| Core capital (leverage) ratio | 9.7071% | 3,936 |
| Tier 1 risk-based capital ratio | 11.9850% | 4,513 |
| Total risk-based capital ratio | 12.8938% | 4,599 |
| Memoranda: | ||
| Average total assets | $633,781,000 | 1,152 |
| Average earning assets | $569,198,750 | 1,186 |
| Average equity | $71,369,250 | 1,142 |
| Average total loans | $406,242,750 | 1,239 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,212 |
| Cost of funding earning assets | 0.3317% | 4,190 |
| Net interest margin | 3.8367% | 2,428 |
| Noninterest income to average assets | 1.0473% | 881 |
| Noninterest expense to average assets | 3.1738% | 1,601 |
| Loan and lease loss provision to assets | 0.0111% | 3,634 |
| Net operating income to assets | 1.1043% | 2,565 |
| Return on assets (ROA) | 1.1083% | 2,558 |
| Pretax return on assets | 1.3132% | 2,454 |
| Return on Equity (ROE) | 9.7932% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.5997% | 2,769 |
| Net charge-offs to loans | -0.0234% | 4,631 |
| Credit loss provision to net charge-offs | -74.4681% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6327% | 2,224 |
| Assets per employee ($millions) | 3.9939% | 3,909 |
| Cash dividends to net income (ytd only)* | 42.8203% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,985 |
| Loan loss allowance to noncurrent loans | 408.6842% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 3,951 |
| Noncurrent loans to loans | 0.2811% | 3,694 |
| Net loans and leases to total assets | 63.9298% | 3,407 |
| Net loans and leases to deposits | 75.7642% | 3,361 |
| Net loans and leases to core deposits | 85.0163% | 3,008 |
| Total domestic deposits to total assets | 84.3800% | 2,924 |
| Equity capital to assets | 11.3918% | 2,272 |
| Core capital (leverage) ratio | 9.8030% | 3,784 |
| Tier 1 risk-based capital ratio | 12.1650% | 4,392 |
| Total risk-based capital ratio | 13.1108% | 4,464 |
| Memoranda: | ||
| Average total assets | $629,601,670 | 1,156 |
| Average earning assets | $565,489,330 | 1,188 |
| Average equity | $71,253,330 | 1,141 |
| Average total loans | $402,048,670 | 1,251 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,560 |
| Cost of funding earning assets | 0.2768% | 4,533 |
| Net interest margin | 3.7362% | 2,663 |
| Noninterest income to average assets | 1.0252% | 868 |
| Noninterest expense to average assets | 3.1226% | 1,763 |
| Loan and lease loss provision to assets | 0.0222% | 3,240 |
| Net operating income to assets | 1.0468% | 2,661 |
| Return on assets (ROA) | 1.0468% | 2,677 |
| Pretax return on assets | 1.2357% | 2,616 |
| Return on Equity (ROE) | 9.2799% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.5477% | 2,928 |
| Net charge-offs to loans | -0.0969% | 5,192 |
| Credit loss provision to net charge-offs | -36.0825% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2838% | 2,304 |
| Assets per employee ($millions) | 4.0990% | 3,805 |
| Cash dividends to net income (ytd only)* | 40.2180% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,819 |
| Loan loss allowance to noncurrent loans | 356.4724% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,899 |
| Noncurrent loans to loans | 0.3359% | 3,560 |
| Net loans and leases to total assets | 62.7847% | 3,447 |
| Net loans and leases to deposits | 72.8442% | 3,526 |
| Net loans and leases to core deposits | 80.3783% | 3,292 |
| Total domestic deposits to total assets | 86.1904% | 2,455 |
| Equity capital to assets | 11.4320% | 2,189 |
| Core capital (leverage) ratio | 9.6190% | 3,941 |
| Tier 1 risk-based capital ratio | 12.3657% | 4,333 |
| Total risk-based capital ratio | 13.3537% | 4,382 |
| Memoranda: | ||
| Average total assets | $630,884,500 | 1,164 |
| Average earning assets | $566,562,000 | 1,194 |
| Average equity | $71,164,500 | 1,150 |
| Average total loans | $400,312,000 | 1,260 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,672 |
| Cost of funding earning assets | 0.2633% | 4,455 |
| Net interest margin | 3.6510% | 2,984 |
| Noninterest income to average assets | 1.2946% | 631 |
| Noninterest expense to average assets | 3.0734% | 1,943 |
| Loan and lease loss provision to assets | 0.0776% | 2,648 |
| Net operating income to assets | 1.0179% | 2,166 |
| Return on assets (ROA) | 0.9860% | 2,339 |
| Pretax return on assets | 1.3796% | 2,058 |
| Return on Equity (ROE) | 8.7900% | 2,407 |
| Retained earnings to average equity (ytd only) | 4.4513% | 2,481 |
| Net charge-offs to loans | 0.0474% | 2,835 |
| Credit loss provision to net charge-offs | 262.1622% | 1,066 |
| Earnings coverage of net charge-offs (x) | 50.7514% | 1,074 |
| Efficiency ratio | 67.1702% | 3,054 |
| Assets per employee ($millions) | 4.2571% | 3,566 |
| Cash dividends to net income (ytd only)* | 49.3591% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,225 |
| Loan loss allowance to noncurrent loans | 312.8503% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 3,917 |
| Noncurrent loans to loans | 0.3592% | 3,483 |
| Net loans and leases to total assets | 62.6509% | 3,537 |
| Net loans and leases to deposits | 74.4277% | 3,486 |
| Net loans and leases to core deposits | 81.6882% | 3,270 |
| Total domestic deposits to total assets | 84.1768% | 3,133 |
| Equity capital to assets | 11.1338% | 2,504 |
| Core capital (leverage) ratio | 9.1942% | 4,402 |
| Tier 1 risk-based capital ratio | 12.0007% | 4,525 |
| Total risk-based capital ratio | 12.9494% | 4,608 |
| Memoranda: | ||
| Average total assets | $625,037,600 | 1,157 |
| Average earning assets | $561,678,400 | 1,182 |
| Average equity | $70,113,600 | 1,134 |
| Average total loans | $390,549,800 | 1,261 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 3,790 |
| Cost of funding earning assets | 0.2482% | 4,580 |
| Net interest margin | 3.6143% | 3,092 |
| Noninterest income to average assets | 1.1776% | 740 |
| Noninterest expense to average assets | 3.0364% | 2,012 |
| Loan and lease loss provision to assets | 0.0258% | 3,619 |
| Net operating income to assets | 1.0106% | 2,514 |
| Return on assets (ROA) | 1.0386% | 2,414 |
| Pretax return on assets | 1.4034% | 2,106 |
| Return on Equity (ROE) | 9.2405% | 2,475 |
| Retained earnings to average equity (ytd only) | 4.8496% | 2,988 |
| Net charge-offs to loans | 0.0625% | 2,220 |
| Credit loss provision to net charge-offs | 66.2983% | 2,735 |
| Earnings coverage of net charge-offs (x) | 35.7786% | 1,403 |
| Efficiency ratio | 68.5768% | 2,772 |
| Assets per employee ($millions) | 4.2273% | 3,596 |
| Cash dividends to net income (ytd only)* | 47.5176% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,911 |
| Loan loss allowance to noncurrent loans | 329.1179% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,144 |
| Noncurrent loans to loans | 0.3126% | 3,830 |
| Net loans and leases to total assets | 63.5334% | 3,484 |
| Net loans and leases to deposits | 76.9529% | 3,274 |
| Net loans and leases to core deposits | 85.6551% | 2,997 |
| Total domestic deposits to total assets | 82.5614% | 3,599 |
| Equity capital to assets | 11.2027% | 2,669 |
| Core capital (leverage) ratio | 9.0868% | 4,645 |
| Tier 1 risk-based capital ratio | 11.7971% | 4,772 |
| Total risk-based capital ratio | 12.6650% | 4,892 |
| Memoranda: | ||
| Average total assets | $620,593,000 | 1,174 |
| Average earning assets | $558,069,250 | 1,200 |
| Average equity | $69,749,500 | 1,150 |
| Average total loans | $386,360,500 | 1,279 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 3,803 |
| Cost of funding earning assets | 0.2367% | 4,668 |
| Net interest margin | 3.5894% | 3,080 |
| Noninterest income to average assets | 1.1541% | 759 |
| Noninterest expense to average assets | 3.0468% | 1,985 |
| Loan and lease loss provision to assets | 0.0081% | 3,765 |
| Net operating income to assets | 0.9821% | 2,521 |
| Return on assets (ROA) | 1.0122% | 2,409 |
| Pretax return on assets | 1.3623% | 2,158 |
| Return on Equity (ROE) | 8.9961% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.4417% | 3,070 |
| Net charge-offs to loans | 0.1078% | 1,555 |
| Credit loss provision to net charge-offs | 12.2549% | 2,834 |
| Earnings coverage of net charge-offs (x) | 20.0343% | 1,812 |
| Efficiency ratio | 69.6156% | 2,747 |
| Assets per employee ($millions) | 4.2010% | 3,616 |
| Cash dividends to net income (ytd only)* | 50.6268% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,772 |
| Loan loss allowance to noncurrent loans | 282.5517% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 3,894 |
| Noncurrent loans to loans | 0.3760% | 3,679 |
| Net loans and leases to total assets | 60.9474% | 3,749 |
| Net loans and leases to deposits | 72.6105% | 3,679 |
| Net loans and leases to core deposits | 84.3617% | 3,030 |
| Total domestic deposits to total assets | 83.9375% | 3,222 |
| Equity capital to assets | 11.3238% | 2,474 |
| Core capital (leverage) ratio | 9.1804% | 4,516 |
| Tier 1 risk-based capital ratio | 11.9980% | 4,632 |
| Total risk-based capital ratio | 12.8708% | 4,766 |
| Memoranda: | ||
| Average total assets | $614,684,670 | 1,187 |
| Average earning assets | $551,844,670 | 1,211 |
| Average equity | $69,163,000 | 1,157 |
| Average total loans | $378,560,330 | 1,301 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 3,879 |
| Cost of funding earning assets | 0.2241% | 4,764 |
| Net interest margin | 3.5431% | 3,105 |
| Noninterest income to average assets | 1.0942% | 827 |
| Noninterest expense to average assets | 3.0401% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9255% | 2,637 |
| Return on assets (ROA) | 0.9576% | 2,550 |
| Pretax return on assets | 1.2741% | 2,333 |
| Return on Equity (ROE) | 8.5384% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.5781% | 3,651 |
| Net charge-offs to loans | -0.0512% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1716% | 2,706 |
| Assets per employee ($millions) | 4.3561% | 3,411 |
| Cash dividends to net income (ytd only)* | 58.0933% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,466 |
| Loan loss allowance to noncurrent loans | 265.9902% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,828 |
| Noncurrent loans to loans | 0.4289% | 3,559 |
| Net loans and leases to total assets | 61.0187% | 3,661 |
| Net loans and leases to deposits | 73.5961% | 3,441 |
| Net loans and leases to core deposits | 80.8342% | 3,221 |
| Total domestic deposits to total assets | 82.9103% | 3,874 |
| Equity capital to assets | 11.2192% | 2,416 |
| Core capital (leverage) ratio | 9.2420% | 4,420 |
| Tier 1 risk-based capital ratio | 12.0970% | 4,653 |
| Total risk-based capital ratio | 13.0416% | 4,764 |
| Memoranda: | ||
| Average total assets | $609,050,000 | 1,194 |
| Average earning assets | $546,190,500 | 1,219 |
| Average equity | $68,303,500 | 1,171 |
| Average total loans | $375,040,500 | 1,319 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 3,747 |
| Cost of funding earning assets | 0.1840% | 5,169 |
| Net interest margin | 3.6639% | 2,845 |
| Noninterest income to average assets | 1.2921% | 683 |
| Noninterest expense to average assets | 3.2162% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0077% | 2,324 |
| Return on assets (ROA) | 1.0471% | 2,257 |
| Pretax return on assets | 1.4229% | 1,849 |
| Return on Equity (ROE) | 8.9945% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.3587% | 2,800 |
| Net charge-offs to loans | -0.0230% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7230% | 3,122 |
| Assets per employee ($millions) | 4.3760% | 3,320 |
| Cash dividends to net income (ytd only)* | 51.5408% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,415 |
| Loan loss allowance to noncurrent loans | 203.1829% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,589 |
| Noncurrent loans to loans | 0.5674% | 3,140 |
| Net loans and leases to total assets | 60.7223% | 3,771 |
| Net loans and leases to deposits | 71.4944% | 3,760 |
| Net loans and leases to core deposits | 77.1381% | 3,643 |
| Total domestic deposits to total assets | 84.9329% | 3,084 |
| Equity capital to assets | 11.2103% | 2,409 |
| Core capital (leverage) ratio | 9.3107% | 4,337 |
| Tier 1 risk-based capital ratio | 12.4626% | 4,393 |
| Total risk-based capital ratio | 13.4316% | 4,469 |
| Memoranda: | ||
| Average total assets | $585,714,400 | 1,195 |
| Average earning assets | $526,544,600 | 1,215 |
| Average equity | $68,186,000 | 1,146 |
| Average total loans | $360,701,000 | 1,304 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 3,786 |
| Cost of funding earning assets | 0.1847% | 5,224 |
| Net interest margin | 3.6589% | 2,861 |
| Noninterest income to average assets | 1.3084% | 678 |
| Noninterest expense to average assets | 3.2715% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9754% | 2,545 |
| Return on assets (ROA) | 1.0182% | 2,479 |
| Pretax return on assets | 1.3903% | 2,069 |
| Return on Equity (ROE) | 8.6625% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.1380% | 3,368 |
| Net charge-offs to loans | -0.0305% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3945% | 2,984 |
| Assets per employee ($millions) | 4.0483% | 3,878 |
| Cash dividends to net income (ytd only)* | 52.2307% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,425 |
| Loan loss allowance to noncurrent loans | 194.5405% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,615 |
| Noncurrent loans to loans | 0.6015% | 3,209 |
| Net loans and leases to total assets | 60.6900% | 3,785 |
| Net loans and leases to deposits | 75.6248% | 3,443 |
| Net loans and leases to core deposits | 80.3609% | 3,411 |
| Total domestic deposits to total assets | 80.2515% | 4,454 |
| Equity capital to assets | 11.7463% | 2,304 |
| Core capital (leverage) ratio | 9.3382% | 4,406 |
| Tier 1 risk-based capital ratio | 12.4974% | 4,480 |
| Total risk-based capital ratio | 13.4865% | 4,550 |
| Memoranda: | ||
| Average total assets | $581,170,000 | 1,209 |
| Average earning assets | $523,348,000 | 1,223 |
| Average equity | $68,308,000 | 1,153 |
| Average total loans | $358,132,750 | 1,310 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,850 |
| Cost of funding earning assets | 0.1881% | 5,251 |
| Net interest margin | 3.6414% | 2,933 |
| Noninterest income to average assets | 1.2721% | 704 |
| Noninterest expense to average assets | 3.3341% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8981% | 2,870 |
| Return on assets (ROA) | 0.9561% | 2,742 |
| Pretax return on assets | 1.2940% | 2,433 |
| Return on Equity (ROE) | 8.1326% | 2,924 |
| Retained earnings to average equity (ytd only) | 3.4201% | 3,718 |
| Net charge-offs to loans | -0.0574% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5745% | 2,734 |
| Assets per employee ($millions) | 3.8912% | 4,103 |
| Cash dividends to net income (ytd only)* | 57.9463% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 3,402 |
| Loan loss allowance to noncurrent loans | 156.8456% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,651 |
| Noncurrent loans to loans | 0.7609% | 2,841 |
| Net loans and leases to total assets | 60.5341% | 3,814 |
| Net loans and leases to deposits | 76.5542% | 3,321 |
| Net loans and leases to core deposits | 81.5165% | 3,319 |
| Total domestic deposits to total assets | 79.0735% | 4,769 |
| Equity capital to assets | 11.7184% | 2,340 |
| Core capital (leverage) ratio | 9.3202% | 4,435 |
| Tier 1 risk-based capital ratio | 12.0834% | 4,775 |
| Total risk-based capital ratio | 13.0606% | 4,844 |
| Memoranda: | ||
| Average total assets | $576,527,330 | 1,218 |
| Average earning assets | $518,921,000 | 1,239 |
| Average equity | $67,776,670 | 1,163 |
| Average total loans | $355,696,670 | 1,316 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 3,865 |
| Cost of funding earning assets | 0.1884% | 5,300 |
| Net interest margin | 3.6344% | 2,940 |
| Noninterest income to average assets | 1.2413% | 705 |
| Noninterest expense to average assets | 3.3324% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8644% | 2,924 |
| Return on assets (ROA) | 0.9002% | 2,884 |
| Pretax return on assets | 1.2287% | 2,584 |
| Return on Equity (ROE) | 7.6445% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.0870% | 3,447 |
| Net charge-offs to loans | 0.0781% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.4058% | 1,332 |
| Efficiency ratio | 72.1161% | 2,784 |
| Assets per employee ($millions) | 4.0606% | 3,842 |
| Cash dividends to net income (ytd only)* | 46.5370% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,669 |
| Loan loss allowance to noncurrent loans | 151.3206% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,706 |
| Noncurrent loans to loans | 0.7726% | 2,907 |
| Net loans and leases to total assets | 60.4795% | 3,714 |
| Net loans and leases to deposits | 72.4820% | 3,608 |
| Net loans and leases to core deposits | 77.0603% | 3,585 |
| Total domestic deposits to total assets | 83.4406% | 3,737 |
| Equity capital to assets | 11.7823% | 2,172 |
| Core capital (leverage) ratio | 9.2915% | 4,502 |
| Tier 1 risk-based capital ratio | 12.4106% | 4,643 |
| Total risk-based capital ratio | 13.3856% | 4,727 |
| Memoranda: | ||
| Average total assets | $571,006,000 | 1,231 |
| Average earning assets | $513,863,000 | 1,256 |
| Average equity | $67,238,000 | 1,167 |
| Average total loans | $353,557,000 | 1,315 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 3,634 |
| Cost of funding earning assets | 0.2009% | 5,282 |
| Net interest margin | 3.7202% | 2,675 |
| Noninterest income to average assets | 1.4137% | 604 |
| Noninterest expense to average assets | 3.3561% | 1,591 |
| Loan and lease loss provision to assets | 0.0182% | 4,044 |
| Net operating income to assets | 1.0200% | 2,258 |
| Return on assets (ROA) | 1.0550% | 2,192 |
| Pretax return on assets | 1.4162% | 1,835 |
| Return on Equity (ROE) | 8.8169% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.3856% | 3,642 |
| Net charge-offs to loans | 0.0229% | 3,804 |
| Credit loss provision to net charge-offs | 126.5823% | 2,054 |
| Earnings coverage of net charge-offs (x) | 96.6835% | 593 |
| Efficiency ratio | 69.0429% | 3,393 |
| Assets per employee ($millions) | 3.9539% | 4,021 |
| Cash dividends to net income (ytd only)* | 61.6007% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 3,569 |
| Loan loss allowance to noncurrent loans | 163.2542% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 3,763 |
| Noncurrent loans to loans | 0.7252% | 3,007 |
| Net loans and leases to total assets | 61.9142% | 3,575 |
| Net loans and leases to deposits | 73.5683% | 3,548 |
| Net loans and leases to core deposits | 78.1541% | 3,533 |
| Total domestic deposits to total assets | 84.1589% | 3,418 |
| Equity capital to assets | 11.7683% | 2,135 |
| Core capital (leverage) ratio | 9.4655% | 4,229 |
| Tier 1 risk-based capital ratio | 12.3594% | 4,725 |
| Total risk-based capital ratio | 13.3537% | 4,784 |
| Memoranda: | ||
| Average total assets | $550,692,400 | 1,229 |
| Average earning assets | $492,844,200 | 1,267 |
| Average equity | $65,896,200 | 1,149 |
| Average total loans | $345,455,200 | 1,305 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 3,598 |
| Cost of funding earning assets | 0.2057% | 5,328 |
| Net interest margin | 3.7309% | 2,643 |
| Noninterest income to average assets | 1.5007% | 549 |
| Noninterest expense to average assets | 3.3631% | 1,551 |
| Loan and lease loss provision to assets | 0.0244% | 3,787 |
| Net operating income to assets | 1.0781% | 2,104 |
| Return on assets (ROA) | 1.1161% | 2,015 |
| Pretax return on assets | 1.4975% | 1,685 |
| Return on Equity (ROE) | 9.2875% | 2,427 |
| Retained earnings to average equity (ytd only) | 4.2148% | 3,469 |
| Net charge-offs to loans | -0.0171% | 5,145 |
| Credit loss provision to net charge-offs | -227.2727% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8733% | 3,569 |
| Assets per employee ($millions) | 3.7870% | 4,290 |
| Cash dividends to net income (ytd only)* | 54.6189% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,373 |
| Loan loss allowance to noncurrent loans | 307.2598% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 4,658 |
| Noncurrent loans to loans | 0.4065% | 4,153 |
| Net loans and leases to total assets | 61.7259% | 3,650 |
| Net loans and leases to deposits | 72.9184% | 3,658 |
| Net loans and leases to core deposits | 77.9175% | 3,614 |
| Total domestic deposits to total assets | 84.6506% | 3,152 |
| Equity capital to assets | 12.0861% | 2,042 |
| Core capital (leverage) ratio | 9.4813% | 4,324 |
| Tier 1 risk-based capital ratio | 12.6642% | 4,638 |
| Total risk-based capital ratio | 13.7008% | 4,696 |
| Memoranda: | ||
| Average total assets | $547,013,500 | 1,247 |
| Average earning assets | $488,769,500 | 1,285 |
| Average equity | $65,735,500 | 1,158 |
| Average total loans | $343,253,500 | 1,313 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,572 |
| Cost of funding earning assets | 0.2095% | 5,359 |
| Net interest margin | 3.7211% | 2,622 |
| Noninterest income to average assets | 1.5646% | 525 |
| Noninterest expense to average assets | 3.3465% | 1,585 |
| Loan and lease loss provision to assets | 0.0367% | 3,389 |
| Net operating income to assets | 1.1328% | 1,828 |
| Return on assets (ROA) | 1.1474% | 1,859 |
| Pretax return on assets | 1.5246% | 1,574 |
| Return on Equity (ROE) | 9.5667% | 2,271 |
| Retained earnings to average equity (ytd only) | 5.0970% | 2,797 |
| Net charge-offs to loans | -0.0461% | 5,518 |
| Credit loss provision to net charge-offs | -126.5823% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7768% | 3,871 |
| Assets per employee ($millions) | 3.7839% | 4,277 |
| Cash dividends to net income (ytd only)* | 46.7221% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 3,329 |
| Loan loss allowance to noncurrent loans | 281.3187% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 4,538 |
| Noncurrent loans to loans | 0.4566% | 4,108 |
| Net loans and leases to total assets | 61.3745% | 3,641 |
| Net loans and leases to deposits | 79.0117% | 2,904 |
| Net loans and leases to core deposits | 83.7673% | 3,002 |
| Total domestic deposits to total assets | 77.6778% | 5,339 |
| Equity capital to assets | 12.0749% | 1,971 |
| Core capital (leverage) ratio | 9.6478% | 4,077 |
| Tier 1 risk-based capital ratio | 12.8645% | 4,592 |
| Total risk-based capital ratio | 13.9321% | 4,620 |
| Memoranda: | ||
| Average total assets | $545,048,330 | 1,256 |
| Average earning assets | $486,851,330 | 1,298 |
| Average equity | $65,372,330 | 1,174 |
| Average total loans | $342,469,670 | 1,321 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,670 |
| Cost of funding earning assets | 0.2099% | 5,420 |
| Net interest margin | 3.6786% | 2,703 |
| Noninterest income to average assets | 1.7390% | 434 |
| Noninterest expense to average assets | 3.3797% | 1,530 |
| Loan and lease loss provision to assets | 0.0734% | 2,470 |
| Net operating income to assets | 1.2165% | 1,501 |
| Return on assets (ROA) | 1.2210% | 1,581 |
| Pretax return on assets | 1.5842% | 1,305 |
| Return on Equity (ROE) | 10.2146% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.2000% | 2,379 |
| Net charge-offs to loans | -0.0558% | 5,573 |
| Credit loss provision to net charge-offs | -208.3333% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5389% | 4,229 |
| Assets per employee ($millions) | 3.8156% | 4,313 |
| Cash dividends to net income (ytd only)* | 39.3029% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 3,584 |
| Loan loss allowance to noncurrent loans | 199.7688% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 4,259 |
| Noncurrent loans to loans | 0.6355% | 3,684 |
| Net loans and leases to total assets | 62.0200% | 3,362 |
| Net loans and leases to deposits | 78.1712% | 2,781 |
| Net loans and leases to core deposits | 83.2109% | 2,847 |
| Total domestic deposits to total assets | 79.3387% | 5,202 |
| Equity capital to assets | 12.1857% | 1,905 |
| Core capital (leverage) ratio | 9.5290% | 4,228 |
| Tier 1 risk-based capital ratio | 11.8131% | 5,364 |
| Total risk-based capital ratio | 12.8114% | 5,437 |
| Memoranda: | ||
| Average total assets | $545,130,500 | 1,261 |
| Average earning assets | $487,903,500 | 1,300 |
| Average equity | $65,161,500 | 1,177 |
| Average total loans | $344,318,500 | 1,316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,560 |
| Cost of funding earning assets | 0.2448% | 5,382 |
| Net interest margin | 3.7950% | 2,638 |
| Noninterest income to average assets | 1.2925% | 731 |
| Noninterest expense to average assets | 3.2219% | 2,159 |
| Loan and lease loss provision to assets | 0.0189% | 4,239 |
| Net operating income to assets | 1.0423% | 2,203 |
| Return on assets (ROA) | 1.0815% | 2,100 |
| Pretax return on assets | 1.4777% | 1,626 |
| Return on Equity (ROE) | 9.1887% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.8039% | 2,756 |
| Net charge-offs to loans | 0.1997% | 2,070 |
| Credit loss provision to net charge-offs | 15.1057% | 4,037 |
| Earnings coverage of net charge-offs (x) | 11.5347% | 2,478 |
| Efficiency ratio | 67.2527% | 4,021 |
| Assets per employee ($millions) | 3.9457% | 4,068 |
| Cash dividends to net income (ytd only)* | 47.7197% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 4,014 |
| Loan loss allowance to noncurrent loans | 124.1595% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 3,660 |
| Noncurrent loans to loans | 0.9650% | 2,911 |
| Net loans and leases to total assets | 62.7426% | 3,400 |
| Net loans and leases to deposits | 78.9904% | 2,832 |
| Net loans and leases to core deposits | 85.0848% | 2,776 |
| Total domestic deposits to total assets | 79.4306% | 5,154 |
| Equity capital to assets | 11.7238% | 2,234 |
| Core capital (leverage) ratio | 9.2822% | 4,558 |
| Tier 1 risk-based capital ratio | 12.6071% | 4,971 |
| Total risk-based capital ratio | 13.6430% | 5,020 |
| Memoranda: | ||
| Average total assets | $529,195,000 | 1,269 |
| Average earning assets | $470,255,200 | 1,303 |
| Average equity | $62,283,000 | 1,170 |
| Average total loans | $331,560,600 | 1,318 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 3,487 |
| Cost of funding earning assets | 0.2502% | 5,409 |
| Net interest margin | 3.8193% | 2,544 |
| Noninterest income to average assets | 1.2680% | 754 |
| Noninterest expense to average assets | 3.2250% | 2,105 |
| Loan and lease loss provision to assets | 0.0254% | 3,899 |
| Net operating income to assets | 1.0290% | 2,328 |
| Return on assets (ROA) | 1.0628% | 2,250 |
| Pretax return on assets | 1.4518% | 1,797 |
| Return on Equity (ROE) | 9.0212% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.7372% | 3,252 |
| Net charge-offs to loans | 0.0717% | 3,172 |
| Credit loss provision to net charge-offs | 56.8182% | 2,994 |
| Earnings coverage of net charge-offs (x) | 31.9774% | 1,314 |
| Efficiency ratio | 67.4312% | 3,954 |
| Assets per employee ($millions) | 3.7514% | 4,392 |
| Cash dividends to net income (ytd only)* | 47.4881% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 3,309 |
| Loan loss allowance to noncurrent loans | 110.2983% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 3,377 |
| Noncurrent loans to loans | 1.2409% | 2,567 |
| Net loans and leases to total assets | 63.0264% | 3,339 |
| Net loans and leases to deposits | 79.2454% | 2,814 |
| Net loans and leases to core deposits | 85.5483% | 2,711 |
| Total domestic deposits to total assets | 79.5332% | 5,211 |
| Equity capital to assets | 11.8952% | 2,160 |
| Core capital (leverage) ratio | 9.2419% | 4,721 |
| Tier 1 risk-based capital ratio | 12.7381% | 5,021 |
| Total risk-based capital ratio | 13.9147% | 4,974 |
| Memoranda: | ||
| Average total assets | $524,382,000 | 1,290 |
| Average earning assets | $465,175,500 | 1,328 |
| Average equity | $61,779,000 | 1,190 |
| Average total loans | $327,380,000 | 1,341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,475 |
| Cost of funding earning assets | 0.2562% | 5,421 |
| Net interest margin | 3.8117% | 2,526 |
| Noninterest income to average assets | 1.2082% | 801 |
| Noninterest expense to average assets | 3.2116% | 2,151 |
| Loan and lease loss provision to assets | 0.0383% | 3,532 |
| Net operating income to assets | 0.9796% | 2,410 |
| Return on assets (ROA) | 1.0057% | 2,368 |
| Pretax return on assets | 1.3654% | 2,019 |
| Return on Equity (ROE) | 8.5649% | 2,806 |
| Retained earnings to average equity (ytd only) | 4.1796% | 3,509 |
| Net charge-offs to loans | 0.1108% | 2,554 |
| Credit loss provision to net charge-offs | 55.8659% | 2,704 |
| Earnings coverage of net charge-offs (x) | 19.9385% | 1,602 |
| Efficiency ratio | 68.2461% | 3,961 |
| Assets per employee ($millions) | 3.8495% | 4,158 |
| Cash dividends to net income (ytd only)* | 51.2009% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 3,316 |
| Loan loss allowance to noncurrent loans | 139.4012% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 3,899 |
| Noncurrent loans to loans | 1.0090% | 3,218 |
| Net loans and leases to total assets | 61.4342% | 3,497 |
| Net loans and leases to deposits | 76.1039% | 3,043 |
| Net loans and leases to core deposits | 81.8840% | 2,984 |
| Total domestic deposits to total assets | 80.7242% | 5,060 |
| Equity capital to assets | 11.7357% | 2,220 |
| Core capital (leverage) ratio | 9.2517% | 4,663 |
| Tier 1 risk-based capital ratio | 13.0109% | 4,903 |
| Total risk-based capital ratio | 14.1930% | 4,887 |
| Memoranda: | ||
| Average total assets | $521,608,670 | 1,286 |
| Average earning assets | $461,416,670 | 1,332 |
| Average equity | $61,250,000 | 1,192 |
| Average total loans | $323,039,330 | 1,348 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,406 |
| Cost of funding earning assets | 0.2642% | 5,450 |
| Net interest margin | 3.8043% | 2,458 |
| Noninterest income to average assets | 1.1649% | 819 |
| Noninterest expense to average assets | 3.1780% | 2,301 |
| Loan and lease loss provision to assets | 0.0774% | 2,593 |
| Net operating income to assets | 0.9429% | 2,440 |
| Return on assets (ROA) | 0.9807% | 2,342 |
| Pretax return on assets | 1.3259% | 2,004 |
| Return on Equity (ROE) | 8.3488% | 2,760 |
| Retained earnings to average equity (ytd only) | 3.8219% | 3,837 |
| Net charge-offs to loans | 0.3009% | 1,164 |
| Credit loss provision to net charge-offs | 41.6667% | 2,288 |
| Earnings coverage of net charge-offs (x) | 7.2792% | 2,130 |
| Efficiency ratio | 68.2385% | 4,142 |
| Assets per employee ($millions) | 3.7386% | 4,454 |
| Cash dividends to net income (ytd only)* | 54.2226% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,459 |
| Loan loss allowance to noncurrent loans | 97.7872% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 3,236 |
| Noncurrent loans to loans | 1.4632% | 2,596 |
| Net loans and leases to total assets | 60.9258% | 3,410 |
| Net loans and leases to deposits | 73.7526% | 3,104 |
| Net loans and leases to core deposits | 78.4583% | 3,154 |
| Total domestic deposits to total assets | 82.6083% | 4,749 |
| Equity capital to assets | 11.7484% | 2,057 |
| Core capital (leverage) ratio | 9.2321% | 4,668 |
| Tier 1 risk-based capital ratio | 13.1131% | 4,949 |
| Total risk-based capital ratio | 14.2931% | 4,912 |
| Memoranda: | ||
| Average total assets | $516,795,500 | 1,305 |
| Average earning assets | $457,166,000 | 1,349 |
| Average equity | $60,703,000 | 1,198 |
| Average total loans | $319,051,000 | 1,368 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,129 |
| Cost of funding earning assets | 0.3179% | 5,443 |
| Net interest margin | 3.9380% | 2,144 |
| Noninterest income to average assets | 1.2386% | 908 |
| Noninterest expense to average assets | 3.3057% | 2,129 |
| Loan and lease loss provision to assets | 0.0593% | 3,954 |
| Net operating income to assets | 0.9964% | 2,335 |
| Return on assets (ROA) | 1.0162% | 2,318 |
| Pretax return on assets | 1.3748% | 1,882 |
| Return on Equity (ROE) | 8.5566% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.5638% | 2,913 |
| Net charge-offs to loans | 0.4482% | 1,482 |
| Credit loss provision to net charge-offs | 21.1715% | 4,427 |
| Earnings coverage of net charge-offs (x) | 5.0240% | 3,403 |
| Efficiency ratio | 68.2619% | 4,149 |
| Assets per employee ($millions) | 3.6709% | 4,549 |
| Cash dividends to net income (ytd only)* | 46.6641% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 3,224 |
| Loan loss allowance to noncurrent loans | 151.0367% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 4,124 |
| Noncurrent loans to loans | 0.9893% | 3,539 |
| Net loans and leases to total assets | 60.7404% | 3,584 |
| Net loans and leases to deposits | 74.5437% | 3,188 |
| Net loans and leases to core deposits | 81.0486% | 3,003 |
| Total domestic deposits to total assets | 81.4830% | 5,045 |
| Equity capital to assets | 11.7437% | 1,994 |
| Core capital (leverage) ratio | 9.2805% | 4,589 |
| Tier 1 risk-based capital ratio | 12.8967% | 5,054 |
| Total risk-based capital ratio | 14.0730% | 5,047 |
| Memoranda: | ||
| Average total assets | $505,879,600 | 1,317 |
| Average earning assets | $446,317,600 | 1,359 |
| Average equity | $60,082,000 | 1,196 |
| Average total loans | $316,157,600 | 1,340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,991 |
| Cost of funding earning assets | 0.3274% | 5,489 |
| Net interest margin | 3.9735% | 2,026 |
| Noninterest income to average assets | 1.2236% | 983 |
| Noninterest expense to average assets | 3.3206% | 2,023 |
| Loan and lease loss provision to assets | 0.0794% | 3,472 |
| Net operating income to assets | 0.9857% | 2,441 |
| Return on assets (ROA) | 1.0029% | 2,451 |
| Pretax return on assets | 1.3538% | 2,105 |
| Return on Equity (ROE) | 8.4201% | 2,914 |
| Retained earnings to average equity (ytd only) | 4.5655% | 3,426 |
| Net charge-offs to loans | 0.1857% | 2,740 |
| Credit loss provision to net charge-offs | 68.1818% | 3,103 |
| Earnings coverage of net charge-offs (x) | 12.1091% | 2,174 |
| Efficiency ratio | 68.3168% | 4,033 |
| Assets per employee ($millions) | 3.3661% | 5,140 |
| Cash dividends to net income (ytd only)* | 45.7784% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,294 |
| Loan loss allowance to noncurrent loans | 191.4851% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 4,120 |
| Noncurrent loans to loans | 0.9420% | 3,933 |
| Net loans and leases to total assets | 62.4183% | 3,282 |
| Net loans and leases to deposits | 76.4302% | 2,891 |
| Net loans and leases to core deposits | 83.4753% | 2,712 |
| Total domestic deposits to total assets | 81.6670% | 5,040 |
| Equity capital to assets | 12.0096% | 1,911 |
| Core capital (leverage) ratio | 9.0997% | 4,971 |
| Tier 1 risk-based capital ratio | 13.0699% | 5,078 |
| Total risk-based capital ratio | 14.2479% | 5,078 |
| Memoranda: | ||
| Average total assets | $503,867,500 | 1,330 |
| Average earning assets | $444,697,000 | 1,378 |
| Average equity | $60,014,000 | 1,210 |
| Average total loans | $315,972,750 | 1,345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,923 |
| Cost of funding earning assets | 0.3352% | 5,521 |
| Net interest margin | 3.9727% | 1,957 |
| Noninterest income to average assets | 1.3097% | 907 |
| Noninterest expense to average assets | 3.3348% | 1,981 |
| Loan and lease loss provision to assets | 0.1186% | 2,840 |
| Net operating income to assets | 0.9999% | 2,328 |
| Return on assets (ROA) | 1.0218% | 2,356 |
| Pretax return on assets | 1.3923% | 1,958 |
| Return on Equity (ROE) | 8.6025% | 2,797 |
| Retained earnings to average equity (ytd only) | 5.2900% | 2,869 |
| Net charge-offs to loans | 0.1824% | 2,666 |
| Credit loss provision to net charge-offs | 104.1667% | 2,116 |
| Earnings coverage of net charge-offs (x) | 13.0035% | 1,931 |
| Efficiency ratio | 67.4084% | 4,284 |
| Assets per employee ($millions) | 3.4666% | 4,925 |
| Cash dividends to net income (ytd only)* | 38.5062% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 2,267 |
| Loan loss allowance to noncurrent loans | 405.2522% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 4,732 |
| Noncurrent loans to loans | 0.4559% | 5,123 |
| Net loans and leases to total assets | 62.4002% | 3,219 |
| Net loans and leases to deposits | 76.9740% | 2,729 |
| Net loans and leases to core deposits | 82.3014% | 2,769 |
| Total domestic deposits to total assets | 81.0666% | 5,327 |
| Equity capital to assets | 11.9907% | 1,919 |
| Core capital (leverage) ratio | 9.1140% | 4,812 |
| Tier 1 risk-based capital ratio | 12.8966% | 5,224 |
| Total risk-based capital ratio | 14.0813% | 5,198 |
| Memoranda: | ||
| Average total assets | $505,764,000 | 1,320 |
| Average earning assets | $446,346,670 | 1,372 |
| Average equity | $60,075,670 | 1,213 |
| Average total loans | $315,741,670 | 1,343 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 2,920 |
| Cost of funding earning assets | 0.3463% | 5,575 |
| Net interest margin | 3.9450% | 1,963 |
| Noninterest income to average assets | 1.3154% | 891 |
| Noninterest expense to average assets | 3.2398% | 2,235 |
| Loan and lease loss provision to assets | 0.2357% | 1,547 |
| Net operating income to assets | 0.9673% | 2,362 |
| Return on assets (ROA) | 0.9807% | 2,443 |
| Pretax return on assets | 1.3311% | 2,120 |
| Return on Equity (ROE) | 8.2944% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.3798% | 3,608 |
| Net charge-offs to loans | 0.3442% | 1,612 |
| Credit loss provision to net charge-offs | 110.7011% | 1,686 |
| Earnings coverage of net charge-offs (x) | 7.2731% | 2,093 |
| Efficiency ratio | 65.8188% | 4,696 |
| Assets per employee ($millions) | 3.6942% | 4,571 |
| Cash dividends to net income (ytd only)* | 47.1955% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 2,427 |
| Loan loss allowance to noncurrent loans | 263.3677% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 4,264 |
| Noncurrent loans to loans | 0.7055% | 4,716 |
| Net loans and leases to total assets | 60.9339% | 3,262 |
| Net loans and leases to deposits | 72.9163% | 3,064 |
| Net loans and leases to core deposits | 78.9098% | 2,946 |
| Total domestic deposits to total assets | 83.5669% | 4,640 |
| Equity capital to assets | 11.8791% | 2,119 |
| Core capital (leverage) ratio | 8.8287% | 5,140 |
| Tier 1 risk-based capital ratio | 12.6129% | 5,510 |
| Total risk-based capital ratio | 13.7976% | 5,497 |
| Memoranda: | ||
| Average total assets | $509,047,500 | 1,322 |
| Average earning assets | $448,165,500 | 1,376 |
| Average equity | $60,185,000 | 1,220 |
| Average total loans | $314,930,500 | 1,354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 3,116 |
| Cost of funding earning assets | 0.5757% | 4,581 |
| Net interest margin | 3.9959% | 2,404 |
| Noninterest income to average assets | 1.2877% | 930 |
| Noninterest expense to average assets | 3.2547% | 2,463 |
| Loan and lease loss provision to assets | 0.5006% | 1,188 |
| Net operating income to assets | 0.7938% | 3,314 |
| Return on assets (ROA) | 0.8572% | 3,256 |
| Pretax return on assets | 1.1303% | 3,050 |
| Return on Equity (ROE) | 7.3508% | 3,437 |
| Retained earnings to average equity (ytd only) | 4.4323% | 3,117 |
| Net charge-offs to loans | 0.6044% | 1,921 |
| Credit loss provision to net charge-offs | 134.0618% | 2,087 |
| Earnings coverage of net charge-offs (x) | 4.1445% | 3,464 |
| Efficiency ratio | 65.9193% | 4,519 |
| Assets per employee ($millions) | 3.7102% | 4,541 |
| Cash dividends to net income (ytd only)* | 39.7028% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,396 |
| Loan loss allowance to noncurrent loans | 198.7772% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 4,075 |
| Noncurrent loans to loans | 0.9395% | 4,308 |
| Net loans and leases to total assets | 60.4938% | 3,518 |
| Net loans and leases to deposits | 72.4616% | 3,333 |
| Net loans and leases to core deposits | 79.3506% | 3,101 |
| Total domestic deposits to total assets | 83.4840% | 4,545 |
| Equity capital to assets | 11.7669% | 2,210 |
| Core capital (leverage) ratio | 8.7574% | 5,249 |
| Tier 1 risk-based capital ratio | 12.5156% | 5,463 |
| Total risk-based capital ratio | 13.7039% | 5,460 |
| Memoranda: | ||
| Average total assets | $502,442,200 | 1,326 |
| Average earning assets | $441,899,200 | 1,365 |
| Average equity | $58,592,400 | 1,210 |
| Average total loans | $310,401,400 | 1,352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 3,140 |
| Cost of funding earning assets | 0.6228% | 4,424 |
| Net interest margin | 3.9949% | 2,520 |
| Noninterest income to average assets | 1.2631% | 930 |
| Noninterest expense to average assets | 3.2245% | 2,489 |
| Loan and lease loss provision to assets | 0.5256% | 1,141 |
| Net operating income to assets | 0.7890% | 3,506 |
| Return on assets (ROA) | 0.8519% | 3,460 |
| Pretax return on assets | 1.1111% | 3,311 |
| Return on Equity (ROE) | 7.3221% | 3,628 |
| Retained earnings to average equity (ytd only) | 4.4262% | 3,779 |
| Net charge-offs to loans | 0.6092% | 1,807 |
| Credit loss provision to net charge-offs | 139.5760% | 2,070 |
| Earnings coverage of net charge-offs (x) | 4.1293% | 3,392 |
| Efficiency ratio | 65.5939% | 4,524 |
| Assets per employee ($millions) | 3.5894% | 4,772 |
| Cash dividends to net income (ytd only)* | 39.5502% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 2,465 |
| Loan loss allowance to noncurrent loans | 128.2034% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 3,833 |
| Noncurrent loans to loans | 1.4843% | 3,563 |
| Net loans and leases to total assets | 58.3876% | 4,067 |
| Net loans and leases to deposits | 70.8204% | 3,783 |
| Net loans and leases to core deposits | 77.5333% | 3,528 |
| Total domestic deposits to total assets | 82.4446% | 4,857 |
| Equity capital to assets | 11.6928% | 2,542 |
| Core capital (leverage) ratio | 8.4388% | 5,839 |
| Tier 1 risk-based capital ratio | 12.5515% | 5,603 |
| Total risk-based capital ratio | 13.7425% | 5,612 |
| Memoranda: | ||
| Average total assets | $500,977,750 | 1,348 |
| Average earning assets | $440,984,000 | 1,389 |
| Average equity | $58,287,750 | 1,222 |
| Average total loans | $309,666,250 | 1,363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 3,140 |
| Cost of funding earning assets | 0.6719% | 4,260 |
| Net interest margin | 3.9783% | 2,598 |
| Noninterest income to average assets | 1.2528% | 910 |
| Noninterest expense to average assets | 3.1995% | 2,590 |
| Loan and lease loss provision to assets | 0.5923% | 1,014 |
| Net operating income to assets | 0.7412% | 3,641 |
| Return on assets (ROA) | 0.8308% | 3,503 |
| Pretax return on assets | 1.0709% | 3,413 |
| Return on Equity (ROE) | 7.1528% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.3353% | 3,729 |
| Net charge-offs to loans | 0.6922% | 1,601 |
| Credit loss provision to net charge-offs | 136.7006% | 2,009 |
| Earnings coverage of net charge-offs (x) | 3.5737% | 3,331 |
| Efficiency ratio | 65.4939% | 4,622 |
| Assets per employee ($millions) | 3.4932% | 5,001 |
| Cash dividends to net income (ytd only)* | 39.3910% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 2,746 |
| Loan loss allowance to noncurrent loans | 107.1647% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 3,800 |
| Noncurrent loans to loans | 1.7114% | 3,325 |
| Net loans and leases to total assets | 60.5252% | 3,730 |
| Net loans and leases to deposits | 74.5038% | 3,210 |
| Net loans and leases to core deposits | 80.9322% | 3,095 |
| Total domestic deposits to total assets | 81.2378% | 5,380 |
| Equity capital to assets | 11.8295% | 2,285 |
| Core capital (leverage) ratio | 8.4726% | 5,681 |
| Tier 1 risk-based capital ratio | 12.2109% | 5,786 |
| Total risk-based capital ratio | 13.3977% | 5,812 |
| Memoranda: | ||
| Average total assets | $498,073,670 | 1,358 |
| Average earning assets | $437,570,000 | 1,400 |
| Average equity | $57,851,330 | 1,225 |
| Average total loans | $311,765,330 | 1,360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 2,940 |
| Cost of funding earning assets | 0.6919% | 4,351 |
| Net interest margin | 4.0352% | 2,350 |
| Noninterest income to average assets | 1.2222% | 962 |
| Noninterest expense to average assets | 3.1914% | 2,631 |
| Loan and lease loss provision to assets | 0.6612% | 817 |
| Net operating income to assets | 0.7217% | 3,771 |
| Return on assets (ROA) | 0.8287% | 3,486 |
| Pretax return on assets | 1.0435% | 3,523 |
| Return on Equity (ROE) | 7.2009% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.4988% | 3,889 |
| Net charge-offs to loans | 0.8922% | 1,153 |
| Credit loss provision to net charge-offs | 117.5214% | 2,015 |
| Earnings coverage of net charge-offs (x) | 2.7892% | 3,064 |
| Efficiency ratio | 65.1515% | 4,706 |
| Assets per employee ($millions) | 3.6150% | 4,841 |
| Cash dividends to net income (ytd only)* | 37.5242% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 3,220 |
| Loan loss allowance to noncurrent loans | 111.9597% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2486% | 4,052 |
| Noncurrent loans to loans | 1.5471% | 3,793 |
| Net loans and leases to total assets | 60.2469% | 3,612 |
| Net loans and leases to deposits | 73.2381% | 3,243 |
| Net loans and leases to core deposits | 81.0916% | 2,939 |
| Total domestic deposits to total assets | 82.2617% | 5,211 |
| Equity capital to assets | 11.4652% | 2,467 |
| Core capital (leverage) ratio | 8.2881% | 5,892 |
| Tier 1 risk-based capital ratio | 11.9278% | 6,005 |
| Total risk-based capital ratio | 13.1131% | 6,029 |
| Memoranda: | ||
| Average total assets | $499,090,000 | 1,357 |
| Average earning assets | $437,646,500 | 1,399 |
| Average equity | $57,437,500 | 1,233 |
| Average total loans | $314,728,500 | 1,349 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 2,626 |
| Cost of funding earning assets | 0.8366% | 4,569 |
| Net interest margin | 4.2200% | 1,997 |
| Noninterest income to average assets | 1.2299% | 862 |
| Noninterest expense to average assets | 3.2327% | 2,758 |
| Loan and lease loss provision to assets | 0.7615% | 1,316 |
| Net operating income to assets | 0.7077% | 3,453 |
| Return on assets (ROA) | 0.7282% | 3,519 |
| Pretax return on assets | 0.9496% | 3,427 |
| Return on Equity (ROE) | 6.3586% | 3,711 |
| Retained earnings to average equity (ytd only) | 3.3123% | 3,868 |
| Net charge-offs to loans | 1.0114% | 1,720 |
| Credit loss provision to net charge-offs | 115.0498% | 2,837 |
| Earnings coverage of net charge-offs (x) | 2.5451% | 3,943 |
| Efficiency ratio | 63.8666% | 5,147 |
| Assets per employee ($millions) | 3.5662% | 4,853 |
| Cash dividends to net income (ytd only)* | 47.9084% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,506 |
| Loan loss allowance to noncurrent loans | 120.9232% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 4,012 |
| Noncurrent loans to loans | 1.3414% | 4,133 |
| Net loans and leases to total assets | 63.7845% | 3,240 |
| Net loans and leases to deposits | 78.2903% | 2,787 |
| Net loans and leases to core deposits | 88.5313% | 2,317 |
| Total domestic deposits to total assets | 81.4717% | 5,302 |
| Equity capital to assets | 11.5522% | 2,463 |
| Core capital (leverage) ratio | 8.2887% | 5,870 |
| Tier 1 risk-based capital ratio | 11.3298% | 6,276 |
| Total risk-based capital ratio | 12.5169% | 6,280 |
| Memoranda: | ||
| Average total assets | $485,886,000 | 1,375 |
| Average earning assets | $424,554,600 | 1,420 |
| Average equity | $55,641,400 | 1,221 |
| Average total loans | $317,971,200 | 1,336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 2,754 |
| Cost of funding earning assets | 0.8610% | 4,701 |
| Net interest margin | 4.2089% | 2,060 |
| Noninterest income to average assets | 1.2309% | 862 |
| Noninterest expense to average assets | 3.2506% | 2,661 |
| Loan and lease loss provision to assets | 0.7722% | 1,220 |
| Net operating income to assets | 0.6841% | 3,694 |
| Return on assets (ROA) | 0.6983% | 3,799 |
| Pretax return on assets | 0.9043% | 3,743 |
| Return on Equity (ROE) | 6.1118% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.0366% | 4,519 |
| Net charge-offs to loans | 1.1331% | 1,398 |
| Credit loss provision to net charge-offs | 103.8961% | 3,208 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 4,014 |
| Efficiency ratio | 64.3331% | 5,006 |
| Assets per employee ($millions) | 3.4279% | 5,170 |
| Cash dividends to net income (ytd only)* | 50.3158% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,120 |
| Loan loss allowance to noncurrent loans | 86.0908% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 3,834 |
| Noncurrent loans to loans | 1.7373% | 3,715 |
| Net loans and leases to total assets | 65.4046% | 3,031 |
| Net loans and leases to deposits | 80.0418% | 2,647 |
| Net loans and leases to core deposits | 90.0082% | 2,246 |
| Total domestic deposits to total assets | 81.7130% | 5,193 |
| Equity capital to assets | 11.6901% | 2,507 |
| Core capital (leverage) ratio | 8.1639% | 6,175 |
| Tier 1 risk-based capital ratio | 11.0818% | 6,493 |
| Total risk-based capital ratio | 12.2683% | 6,515 |
| Memoranda: | ||
| Average total assets | $483,433,500 | 1,383 |
| Average earning assets | $422,430,250 | 1,438 |
| Average equity | $55,235,750 | 1,228 |
| Average total loans | $317,116,500 | 1,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 2,765 |
| Cost of funding earning assets | 0.8820% | 4,816 |
| Net interest margin | 4.1996% | 2,036 |
| Noninterest income to average assets | 1.2282% | 839 |
| Noninterest expense to average assets | 3.2663% | 2,679 |
| Loan and lease loss provision to assets | 0.7671% | 1,210 |
| Net operating income to assets | 0.6608% | 3,739 |
| Return on assets (ROA) | 0.6809% | 3,764 |
| Pretax return on assets | 0.8749% | 3,735 |
| Return on Equity (ROE) | 6.0058% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.8054% | 4,494 |
| Net charge-offs to loans | 1.1279% | 1,389 |
| Credit loss provision to net charge-offs | 104.1080% | 2,968 |
| Earnings coverage of net charge-offs (x) | 2.1936% | 3,741 |
| Efficiency ratio | 64.9936% | 5,062 |
| Assets per employee ($millions) | 3.3509% | 5,321 |
| Cash dividends to net income (ytd only)* | 53.2887% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,995 |
| Loan loss allowance to noncurrent loans | 82.7360% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 3,504 |
| Noncurrent loans to loans | 1.8465% | 3,687 |
| Net loans and leases to total assets | 64.5954% | 3,345 |
| Net loans and leases to deposits | 79.4067% | 2,907 |
| Net loans and leases to core deposits | 89.0443% | 2,488 |
| Total domestic deposits to total assets | 81.3475% | 5,406 |
| Equity capital to assets | 11.6150% | 2,399 |
| Core capital (leverage) ratio | 8.0850% | 6,189 |
| Tier 1 risk-based capital ratio | 11.0152% | 6,518 |
| Total risk-based capital ratio | 12.2010% | 6,539 |
| Memoranda: | ||
| Average total assets | $482,326,330 | 1,393 |
| Average earning assets | $419,705,670 | 1,451 |
| Average equity | $54,680,330 | 1,232 |
| Average total loans | $315,090,670 | 1,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 3,072 |
| Cost of funding earning assets | 0.8894% | 5,001 |
| Net interest margin | 4.1191% | 2,196 |
| Noninterest income to average assets | 1.1275% | 1,030 |
| Noninterest expense to average assets | 3.1758% | 2,980 |
| Loan and lease loss provision to assets | 0.8266% | 1,008 |
| Net operating income to assets | 0.5705% | 4,178 |
| Return on assets (ROA) | 0.5943% | 4,131 |
| Pretax return on assets | 0.7456% | 4,119 |
| Return on Equity (ROE) | 5.3070% | 4,238 |
| Retained earnings to average equity (ytd only) | 2.0888% | 4,887 |
| Net charge-offs to loans | 1.2654% | 1,094 |
| Credit loss provision to net charge-offs | 100.2004% | 2,641 |
| Earnings coverage of net charge-offs (x) | 1.8697% | 3,369 |
| Efficiency ratio | 65.3469% | 5,146 |
| Assets per employee ($millions) | 3.4480% | 5,128 |
| Cash dividends to net income (ytd only)* | 60.6398% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 4,136 |
| Loan loss allowance to noncurrent loans | 58.8726% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.1864% | 3,082 |
| Noncurrent loans to loans | 2.5724% | 2,920 |
| Net loans and leases to total assets | 62.8372% | 3,691 |
| Net loans and leases to deposits | 76.5739% | 3,322 |
| Net loans and leases to core deposits | 87.3435% | 2,693 |
| Total domestic deposits to total assets | 82.0608% | 5,287 |
| Equity capital to assets | 11.1282% | 2,556 |
| Core capital (leverage) ratio | 7.9123% | 6,351 |
| Tier 1 risk-based capital ratio | 10.9876% | 6,518 |
| Total risk-based capital ratio | 12.1689% | 6,540 |
| Memoranda: | ||
| Average total assets | $483,902,000 | 1,397 |
| Average earning assets | $421,841,500 | 1,454 |
| Average equity | $54,192,500 | 1,233 |
| Average total loans | $315,472,500 | 1,381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4045% | 2,653 |
| Cost of funding earning assets | 1.2227% | 4,403 |
| Net interest margin | 4.1818% | 2,258 |
| Noninterest income to average assets | 1.0987% | 1,229 |
| Noninterest expense to average assets | 3.2538% | 2,904 |
| Loan and lease loss provision to assets | 0.8466% | 1,934 |
| Net operating income to assets | 0.5132% | 4,036 |
| Return on assets (ROA) | 0.5892% | 3,882 |
| Pretax return on assets | 0.7343% | 3,852 |
| Return on Equity (ROE) | 5.1345% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.0695% | 4,431 |
| Net charge-offs to loans | 1.1172% | 1,992 |
| Credit loss provision to net charge-offs | 111.4874% | 3,936 |
| Earnings coverage of net charge-offs (x) | 1.9568% | 4,263 |
| Efficiency ratio | 66.6230% | 4,838 |
| Assets per employee ($millions) | 3.3207% | 5,385 |
| Cash dividends to net income (ytd only)* | 59.6944% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 4,097 |
| Loan loss allowance to noncurrent loans | 75.0993% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 3,635 |
| Noncurrent loans to loans | 1.9768% | 3,598 |
| Net loans and leases to total assets | 65.6278% | 3,541 |
| Net loans and leases to deposits | 80.4494% | 3,084 |
| Net loans and leases to core deposits | 92.3796% | 2,454 |
| Total domestic deposits to total assets | 81.5765% | 5,331 |
| Equity capital to assets | 11.2716% | 2,436 |
| Core capital (leverage) ratio | 7.9243% | 6,296 |
| Tier 1 risk-based capital ratio | 10.9469% | 6,366 |
| Total risk-based capital ratio | 12.1218% | 6,400 |
| Memoranda: | ||
| Average total assets | $466,566,800 | 1,428 |
| Average earning assets | $406,234,600 | 1,496 |
| Average equity | $53,540,200 | 1,249 |
| Average total loans | $317,124,600 | 1,416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 2,762 |
| Cost of funding earning assets | 1.2810% | 4,363 |
| Net interest margin | 4.1441% | 2,432 |
| Noninterest income to average assets | 1.0973% | 1,175 |
| Noninterest expense to average assets | 3.2474% | 2,751 |
| Loan and lease loss provision to assets | 0.8483% | 1,790 |
| Net operating income to assets | 0.4867% | 4,378 |
| Return on assets (ROA) | 0.5990% | 4,035 |
| Pretax return on assets | 0.7514% | 4,075 |
| Return on Equity (ROE) | 5.1959% | 4,202 |
| Retained earnings to average equity (ytd only) | 2.2201% | 4,838 |
| Net charge-offs to loans | 1.0232% | 1,972 |
| Credit loss provision to net charge-offs | 121.3492% | 3,393 |
| Earnings coverage of net charge-offs (x) | 2.0876% | 4,160 |
| Efficiency ratio | 66.9416% | 4,667 |
| Assets per employee ($millions) | 3.3056% | 5,444 |
| Cash dividends to net income (ytd only)* | 57.2734% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,807 |
| Loan loss allowance to noncurrent loans | 56.4285% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 3,109 |
| Noncurrent loans to loans | 2.7196% | 2,918 |
| Net loans and leases to total assets | 64.8033% | 3,951 |
| Net loans and leases to deposits | 80.3228% | 3,392 |
| Net loans and leases to core deposits | 91.3758% | 2,894 |
| Total domestic deposits to total assets | 80.6786% | 5,485 |
| Equity capital to assets | 11.3796% | 2,618 |
| Core capital (leverage) ratio | 7.9342% | 6,431 |
| Tier 1 risk-based capital ratio | 10.8795% | 6,484 |
| Total risk-based capital ratio | 12.0591% | 6,524 |
| Memoranda: | ||
| Average total assets | $463,662,750 | 1,460 |
| Average earning assets | $403,838,500 | 1,529 |
| Average equity | $53,450,500 | 1,250 |
| Average total loans | $316,768,250 | 1,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 2,682 |
| Cost of funding earning assets | 1.3310% | 4,324 |
| Net interest margin | 4.1331% | 2,408 |
| Noninterest income to average assets | 1.0649% | 1,182 |
| Noninterest expense to average assets | 3.2187% | 2,840 |
| Loan and lease loss provision to assets | 0.8943% | 1,630 |
| Net operating income to assets | 0.4452% | 4,570 |
| Return on assets (ROA) | 0.5837% | 4,081 |
| Pretax return on assets | 0.7312% | 4,136 |
| Return on Equity (ROE) | 5.0409% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.1324% | 4,788 |
| Net charge-offs to loans | 0.9552% | 1,930 |
| Credit loss provision to net charge-offs | 135.3135% | 2,963 |
| Earnings coverage of net charge-offs (x) | 2.1974% | 3,918 |
| Efficiency ratio | 66.8161% | 4,813 |
| Assets per employee ($millions) | 3.2235% | 5,625 |
| Cash dividends to net income (ytd only)* | 57.6981% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 3,637 |
| Loan loss allowance to noncurrent loans | 46.2660% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 2.7101% | 2,664 |
| Noncurrent loans to loans | 3.3659% | 2,374 |
| Net loans and leases to total assets | 67.5533% | 3,485 |
| Net loans and leases to deposits | 84.4295% | 2,797 |
| Net loans and leases to core deposits | 95.9941% | 2,437 |
| Total domestic deposits to total assets | 80.0114% | 5,719 |
| Equity capital to assets | 11.7754% | 2,227 |
| Core capital (leverage) ratio | 8.1437% | 6,045 |
| Tier 1 risk-based capital ratio | 11.0223% | 6,216 |
| Total risk-based capital ratio | 12.2032% | 6,278 |
| Memoranda: | ||
| Average total assets | $458,446,330 | 1,489 |
| Average earning assets | $399,988,000 | 1,553 |
| Average equity | $53,086,000 | 1,254 |
| Average total loans | $317,207,330 | 1,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 2,980 |
| Cost of funding earning assets | 1.3731% | 4,338 |
| Net interest margin | 4.0397% | 2,701 |
| Noninterest income to average assets | 0.9704% | 1,391 |
| Noninterest expense to average assets | 3.1928% | 2,895 |
| Loan and lease loss provision to assets | 0.9122% | 1,393 |
| Net operating income to assets | 0.3090% | 5,261 |
| Return on assets (ROA) | 0.5760% | 4,143 |
| Pretax return on assets | 0.7280% | 4,134 |
| Return on Equity (ROE) | 5.0162% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.9747% | 4,949 |
| Net charge-offs to loans | 0.8566% | 1,830 |
| Credit loss provision to net charge-offs | 153.2847% | 2,339 |
| Earnings coverage of net charge-offs (x) | 2.1883% | 3,442 |
| Efficiency ratio | 68.8635% | 4,533 |
| Assets per employee ($millions) | 3.3186% | 5,502 |
| Cash dividends to net income (ytd only)* | 60.6335% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,011 |
| Loan loss allowance to noncurrent loans | 45.3157% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.7234% | 2,673 |
| Noncurrent loans to loans | 3.2660% | 2,445 |
| Net loans and leases to total assets | 68.1281% | 3,356 |
| Net loans and leases to deposits | 85.1197% | 2,742 |
| Net loans and leases to core deposits | 94.5627% | 2,758 |
| Total domestic deposits to total assets | 80.0381% | 5,769 |
| Equity capital to assets | 11.5909% | 2,300 |
| Core capital (leverage) ratio | 7.9782% | 6,267 |
| Tier 1 risk-based capital ratio | 10.8281% | 6,315 |
| Total risk-based capital ratio | 12.0082% | 6,368 |
| Memoranda: | ||
| Average total assets | $460,412,500 | 1,525 |
| Average earning assets | $401,712,500 | 1,585 |
| Average equity | $52,868,500 | 1,269 |
| Average total loans | $319,863,000 | 1,477 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8305% | 2,523 |
| Cost of funding earning assets | 1.7919% | 4,033 |
| Net interest margin | 4.0387% | 2,701 |
| Noninterest income to average assets | 1.1141% | 1,236 |
| Noninterest expense to average assets | 3.3417% | 2,865 |
| Loan and lease loss provision to assets | 1.0723% | 2,140 |
| Net operating income to assets | 0.2540% | 4,706 |
| Return on assets (ROA) | 0.3286% | 4,507 |
| Pretax return on assets | 0.2895% | 4,790 |
| Return on Equity (ROE) | 2.8512% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.0611% | 4,298 |
| Net charge-offs to loans | 1.2922% | 1,923 |
| Credit loss provision to net charge-offs | 117.3850% | 4,620 |
| Earnings coverage of net charge-offs (x) | 1.4091% | 4,716 |
| Efficiency ratio | 69.9644% | 4,639 |
| Assets per employee ($millions) | 3.3299% | 5,427 |
| Cash dividends to net income (ytd only)* | 62.7845% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,543 |
| Loan loss allowance to noncurrent loans | 35.7574% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.0869% | 2,247 |
| Noncurrent loans to loans | 3.7417% | 2,005 |
| Net loans and leases to total assets | 68.8575% | 3,522 |
| Net loans and leases to deposits | 87.2977% | 2,681 |
| Net loans and leases to core deposits | 107.4377% | 3,169 |
| Total domestic deposits to total assets | 78.8767% | 6,012 |
| Equity capital to assets | 11.3759% | 2,416 |
| Core capital (leverage) ratio | 8.0397% | 6,098 |
| Tier 1 risk-based capital ratio | 10.6777% | 6,229 |
| Total risk-based capital ratio | 11.9128% | 6,216 |
| Memoranda: | ||
| Average total assets | $454,642,200 | 1,523 |
| Average earning assets | $395,675,000 | 1,605 |
| Average equity | $52,399,800 | 1,263 |
| Average total loans | $321,398,400 | 1,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9264% | 2,333 |
| Cost of funding earning assets | 1.8699% | 4,047 |
| Net interest margin | 4.0565% | 2,563 |
| Noninterest income to average assets | 1.1902% | 1,098 |
| Noninterest expense to average assets | 3.3873% | 2,617 |
| Loan and lease loss provision to assets | 0.9353% | 2,056 |
| Net operating income to assets | 0.3912% | 4,433 |
| Return on assets (ROA) | 0.4319% | 4,373 |
| Pretax return on assets | 0.4395% | 4,693 |
| Return on Equity (ROE) | 3.7348% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.2342% | 4,079 |
| Net charge-offs to loans | 1.1099% | 1,802 |
| Credit loss provision to net charge-offs | 118.8249% | 4,265 |
| Earnings coverage of net charge-offs (x) | 1.6939% | 4,527 |
| Efficiency ratio | 69.5394% | 4,686 |
| Assets per employee ($millions) | 3.2977% | 5,408 |
| Cash dividends to net income (ytd only)* | 40.1771% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 4,621 |
| Loan loss allowance to noncurrent loans | 48.3958% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.7758% | 2,497 |
| Noncurrent loans to loans | 2.6430% | 2,861 |
| Net loans and leases to total assets | 69.5848% | 3,601 |
| Net loans and leases to deposits | 88.1633% | 2,925 |
| Net loans and leases to core deposits | 107.8372% | 3,490 |
| Total domestic deposits to total assets | 78.9271% | 5,829 |
| Equity capital to assets | 11.7545% | 2,393 |
| Core capital (leverage) ratio | 8.0925% | 6,193 |
| Tier 1 risk-based capital ratio | 10.7464% | 6,214 |
| Total risk-based capital ratio | 11.9656% | 6,204 |
| Memoranda: | ||
| Average total assets | $452,587,000 | 1,548 |
| Average earning assets | $393,889,750 | 1,627 |
| Average equity | $52,336,000 | 1,285 |
| Average total loans | $320,988,500 | 1,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9659% | 2,320 |
| Cost of funding earning assets | 1.9416% | 4,055 |
| Net interest margin | 4.0243% | 2,601 |
| Noninterest income to average assets | 1.2139% | 1,053 |
| Noninterest expense to average assets | 3.4085% | 2,599 |
| Loan and lease loss provision to assets | 0.8633% | 1,950 |
| Net operating income to assets | 0.4185% | 4,431 |
| Return on assets (ROA) | 0.4631% | 4,354 |
| Pretax return on assets | 0.4879% | 4,663 |
| Return on Equity (ROE) | 4.0269% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.5332% | 3,920 |
| Net charge-offs to loans | 1.0702% | 1,687 |
| Credit loss provision to net charge-offs | 113.5041% | 4,083 |
| Earnings coverage of net charge-offs (x) | 1.7148% | 4,270 |
| Efficiency ratio | 70.0986% | 4,758 |
| Assets per employee ($millions) | 3.1164% | 5,817 |
| Cash dividends to net income (ytd only)* | 37.0937% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 4,875 |
| Loan loss allowance to noncurrent loans | 51.7209% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.6226% | 2,450 |
| Noncurrent loans to loans | 2.3370% | 3,094 |
| Net loans and leases to total assets | 70.7738% | 3,514 |
| Net loans and leases to deposits | 92.8790% | 2,299 |
| Net loans and leases to core deposits | 112.2497% | 3,105 |
| Total domestic deposits to total assets | 76.2001% | 6,507 |
| Equity capital to assets | 11.8549% | 2,289 |
| Core capital (leverage) ratio | 8.0686% | 6,219 |
| Tier 1 risk-based capital ratio | 10.7617% | 6,125 |
| Total risk-based capital ratio | 11.8748% | 6,195 |
| Memoranda: | ||
| Average total assets | $451,756,670 | 1,566 |
| Average earning assets | $392,766,000 | 1,652 |
| Average equity | $51,950,670 | 1,308 |
| Average total loans | $321,062,000 | 1,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9611% | 2,518 |
| Cost of funding earning assets | 2.0345% | 3,960 |
| Net interest margin | 3.9266% | 2,948 |
| Noninterest income to average assets | 1.1158% | 1,189 |
| Noninterest expense to average assets | 3.3061% | 2,640 |
| Loan and lease loss provision to assets | 0.5259% | 2,366 |
| Net operating income to assets | 0.5824% | 4,093 |
| Return on assets (ROA) | 0.6582% | 3,938 |
| Pretax return on assets | 0.7845% | 4,131 |
| Return on Equity (ROE) | 5.8110% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.8088% | 4,312 |
| Net charge-offs to loans | 0.1758% | 3,583 |
| Credit loss provision to net charge-offs | 422.5352% | 1,251 |
| Earnings coverage of net charge-offs (x) | 9.8028% | 2,017 |
| Efficiency ratio | 70.7591% | 4,421 |
| Assets per employee ($millions) | 3.2323% | 5,510 |
| Cash dividends to net income (ytd only)* | 51.6644% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,283 |
| Loan loss allowance to noncurrent loans | 52.7623% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 2,222 |
| Noncurrent loans to loans | 2.4051% | 2,743 |
| Net loans and leases to total assets | 69.7883% | 3,724 |
| Net loans and leases to deposits | 89.3363% | 3,043 |
| Net loans and leases to core deposits | 106.8042% | 3,817 |
| Total domestic deposits to total assets | 78.1186% | 5,974 |
| Equity capital to assets | 11.4937% | 2,593 |
| Core capital (leverage) ratio | 7.8249% | 6,715 |
| Tier 1 risk-based capital ratio | 10.4671% | 6,431 |
| Total risk-based capital ratio | 11.6249% | 6,436 |
| Memoranda: | ||
| Average total assets | $456,367,500 | 1,561 |
| Average earning assets | $396,369,500 | 1,646 |
| Average equity | $51,695,000 | 1,323 |
| Average total loans | $323,077,500 | 1,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5725% | 2,613 |
| Cost of funding earning assets | 2.7779% | 2,795 |
| Net interest margin | 3.7945% | 4,049 |
| Noninterest income to average assets | 1.0636% | 1,390 |
| Noninterest expense to average assets | 3.1696% | 3,447 |
| Loan and lease loss provision to assets | 0.7518% | 1,983 |
| Net operating income to assets | 0.4922% | 4,775 |
| Return on assets (ROA) | 0.3083% | 5,330 |
| Pretax return on assets | 0.2691% | 5,579 |
| Return on Equity (ROE) | 2.7238% | 5,335 |
| Retained earnings to average equity (ytd only) | -1.1316% | 5,636 |
| Net charge-offs to loans | 1.0640% | 1,151 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 1.6026% | 5,292 |
| Efficiency ratio | 70.0134% | 4,349 |
| Assets per employee ($millions) | 3.1522% | 5,618 |
| Cash dividends to net income (ytd only)* | 141.5439% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,255 |
| Loan loss allowance to noncurrent loans | 41.6763% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 2.6794% | 1,770 |
| Noncurrent loans to loans | 2.6473% | 2,047 |
| Net loans and leases to total assets | 70.1173% | 3,990 |
| Net loans and leases to deposits | 92.9809% | 2,958 |
| Net loans and leases to core deposits | 111.8950% | 3,576 |
| Total domestic deposits to total assets | 75.4104% | 6,364 |
| Equity capital to assets | 11.1640% | 2,907 |
| Core capital (leverage) ratio | 7.4943% | 7,209 |
| Tier 1 risk-based capital ratio | 10.1231% | 6,606 |
| Total risk-based capital ratio | 11.1420% | 6,738 |
| Memoranda: | ||
| Average total assets | $462,197,400 | 1,488 |
| Average earning assets | $403,289,400 | 1,547 |
| Average equity | $52,316,600 | 1,286 |
| Average total loans | $326,612,800 | 1,491 |