Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 2,667 |
| Cost of funding earning assets | 1.1688% | 2,891 |
| Net interest margin | 3.5379% | 2,096 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.2069% | 3,108 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.3796% | 1,250 |
| Return on assets (ROA) | 1.3826% | 1,218 |
| Pretax return on assets | 1.6554% | 1,143 |
| Return on Equity (ROE) | 15.8300% | 1,132 |
| Retained earnings to average equity (ytd only) | 10.6161% | 872 |
| Net charge-offs to loans | 0.0429% | 1,468 |
| Credit loss provision to net charge-offs | 360.9971% | 833 |
| Earnings coverage of net charge-offs (x) | 55.6745% | 1,231 |
| Efficiency ratio | 55.1924% | 3,583 |
| Assets per employee ($millions) | 8.7891% | 1,070 |
| Cash dividends to net income (ytd only)* | 32.9215% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,487 |
| Loan loss allowance to noncurrent loans | 132.2984% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 782 |
| Noncurrent loans to loans | 0.8794% | 862 |
| Net loans and leases to total assets | 76.1100% | 1,102 |
| Net loans and leases to deposits | 93.1085% | 1,006 |
| Net loans and leases to core deposits | 95.7394% | 1,666 |
| Total domestic deposits to total assets | 81.7400% | 3,173 |
| Equity capital to assets | 9.1961% | 2,547 |
| Core capital (leverage) ratio | 9.4997% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9042% | 1,561 |
| Memoranda: | ||
| Average total assets | $1,059,623,600 | 933 |
| Average earning assets | $995,838,600 | 912 |
| Average equity | $92,567,200 | 1,006 |
| Average total loans | $795,146,200 | 865 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 2,676 |
| Cost of funding earning assets | 1.0907% | 2,768 |
| Net interest margin | 3.5100% | 2,188 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.1822% | 3,126 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3702% | 1,383 |
| Return on assets (ROA) | 1.3702% | 1,367 |
| Pretax return on assets | 1.6882% | 1,188 |
| Return on Equity (ROE) | 15.9000% | 1,272 |
| Retained earnings to average equity (ytd only) | 10.2801% | 1,327 |
| Net charge-offs to loans | 0.0535% | 1,141 |
| Credit loss provision to net charge-offs | 270.7006% | 942 |
| Earnings coverage of net charge-offs (x) | 44.9108% | 1,375 |
| Efficiency ratio | 54.9241% | 3,495 |
| Assets per employee ($millions) | 8.4583% | 1,135 |
| Cash dividends to net income (ytd only)* | 35.3601% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 2,728 |
| Loan loss allowance to noncurrent loans | 115.5101% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 737 |
| Noncurrent loans to loans | 0.9788% | 834 |
| Net loans and leases to total assets | 76.6300% | 1,041 |
| Net loans and leases to deposits | 91.9195% | 1,057 |
| Net loans and leases to core deposits | 94.1682% | 1,666 |
| Total domestic deposits to total assets | 83.3700% | 2,940 |
| Equity capital to assets | 8.3670% | 2,816 |
| Core capital (leverage) ratio | 9.4912% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6491% | 1,671 |
| Memoranda: | ||
| Average total assets | $1,049,871,000 | 942 |
| Average earning assets | $986,723,250 | 916 |
| Average equity | $90,451,000 | 1,025 |
| Average total loans | $782,432,000 | 874 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 2,645 |
| Cost of funding earning assets | 0.9610% | 2,732 |
| Net interest margin | 3.5379% | 2,181 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.2130% | 3,034 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.3695% | 1,404 |
| Return on assets (ROA) | 1.3695% | 1,385 |
| Pretax return on assets | 1.6962% | 1,224 |
| Return on Equity (ROE) | 15.7400% | 1,317 |
| Retained earnings to average equity (ytd only) | 10.1321% | 1,368 |
| Net charge-offs to loans | 0.0741% | 831 |
| Credit loss provision to net charge-offs | 207.0671% | 1,035 |
| Earnings coverage of net charge-offs (x) | 33.1413% | 1,503 |
| Efficiency ratio | 55.0707% | 3,528 |
| Assets per employee ($millions) | 7.9947% | 1,322 |
| Cash dividends to net income (ytd only)* | 35.6199% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,522 |
| Loan loss allowance to noncurrent loans | 114.3281% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 649 |
| Noncurrent loans to loans | 1.0348% | 721 |
| Net loans and leases to total assets | 74.9700% | 1,166 |
| Net loans and leases to deposits | 90.6729% | 1,127 |
| Net loans and leases to core deposits | 92.6660% | 1,646 |
| Total domestic deposits to total assets | 82.6800% | 3,108 |
| Equity capital to assets | 8.9463% | 2,550 |
| Core capital (leverage) ratio | 9.6869% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8339% | 1,615 |
| Memoranda: | ||
| Average total assets | $1,038,939,333 | 936 |
| Average earning assets | $976,669,667 | 918 |
| Average equity | $90,405,667 | 1,016 |
| Average total loans | $763,516,333 | 882 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,599 |
| Cost of funding earning assets | 0.8148% | 2,683 |
| Net interest margin | 3.5677% | 2,203 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.2145% | 3,066 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3852% | 1,446 |
| Return on assets (ROA) | 1.3852% | 1,418 |
| Pretax return on assets | 1.7112% | 1,255 |
| Return on Equity (ROE) | 16.1400% | 1,328 |
| Retained earnings to average equity (ytd only) | 12.4816% | 1,181 |
| Net charge-offs to loans | -0.0509% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.8712% | 3,519 |
| Assets per employee ($millions) | 8.0475% | 1,315 |
| Cash dividends to net income (ytd only)* | 22.6807% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,460 |
| Loan loss allowance to noncurrent loans | 106.9069% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 563 |
| Noncurrent loans to loans | 1.1406% | 617 |
| Net loans and leases to total assets | 72.7900% | 1,345 |
| Net loans and leases to deposits | 84.2844% | 1,476 |
| Net loans and leases to core deposits | 85.9250% | 1,869 |
| Total domestic deposits to total assets | 86.3700% | 2,488 |
| Equity capital to assets | 8.9249% | 2,573 |
| Core capital (leverage) ratio | 9.4766% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0687% | 1,605 |
| Memoranda: | ||
| Average total assets | $1,042,750,500 | 950 |
| Average earning assets | $982,365,500 | 928 |
| Average equity | $89,476,000 | 1,036 |
| Average total loans | $754,069,000 | 906 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 2,062 |
| Cost of funding earning assets | 0.3605% | 2,397 |
| Net interest margin | 3.5096% | 1,903 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.0930% | 3,314 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.4285% | 1,053 |
| Return on assets (ROA) | 1.4285% | 1,021 |
| Pretax return on assets | 1.7575% | 808 |
| Return on Equity (ROE) | 16.5100% | 957 |
| Retained earnings to average equity (ytd only) | 10.7067% | 959 |
| Net charge-offs to loans | -0.0029% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0359% | 3,879 |
| Assets per employee ($millions) | 8.3104% | 1,186 |
| Cash dividends to net income (ytd only)* | 35.1392% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,562 |
| Loan loss allowance to noncurrent loans | 102.9068% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 589 |
| Noncurrent loans to loans | 1.1298% | 636 |
| Net loans and leases to total assets | 70.1500% | 1,626 |
| Net loans and leases to deposits | 80.0928% | 1,764 |
| Net loans and leases to core deposits | 81.4929% | 2,042 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 8.2449% | 2,898 |
| Core capital (leverage) ratio | 9.1481% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8924% | 1,659 |
| Memoranda: | ||
| Average total assets | $1,020,805,600 | 961 |
| Average earning assets | $958,547,800 | 941 |
| Average equity | $88,336,800 | 1,051 |
| Average total loans | $713,018,400 | 890 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 2,082 |
| Cost of funding earning assets | 0.2987% | 2,180 |
| Net interest margin | 3.3861% | 2,022 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.0909% | 3,230 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.2653% | 1,475 |
| Return on assets (ROA) | 1.2653% | 1,436 |
| Pretax return on assets | 1.5526% | 1,258 |
| Return on Equity (ROE) | 14.4400% | 1,309 |
| Retained earnings to average equity (ytd only) | 9.1276% | 1,607 |
| Net charge-offs to loans | 0.1142% | 549 |
| Credit loss provision to net charge-offs | 219.7347% | 940 |
| Earnings coverage of net charge-offs (x) | 21.7430% | 1,681 |
| Efficiency ratio | 54.7647% | 3,749 |
| Assets per employee ($millions) | 8.0183% | 1,313 |
| Cash dividends to net income (ytd only)* | 36.8037% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,721 |
| Loan loss allowance to noncurrent loans | 90.2108% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 518 |
| Noncurrent loans to loans | 1.2896% | 567 |
| Net loans and leases to total assets | 69.8000% | 1,493 |
| Net loans and leases to deposits | 79.2319% | 1,618 |
| Net loans and leases to core deposits | 80.6304% | 1,862 |
| Total domestic deposits to total assets | 88.0900% | 2,399 |
| Equity capital to assets | 7.9641% | 2,917 |
| Core capital (leverage) ratio | 9.0762% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0532% | 1,694 |
| Memoranda: | ||
| Average total assets | $1,012,151,750 | 972 |
| Average earning assets | $950,162,750 | 959 |
| Average equity | $88,666,500 | 1,060 |
| Average total loans | $704,012,500 | 898 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 1,960 |
| Cost of funding earning assets | 0.2589% | 2,155 |
| Net interest margin | 3.3012% | 1,907 |
| Noninterest income to average assets | 0.6593% | 1,503 |
| Noninterest expense to average assets | 2.1153% | 3,108 |
| Loan and lease loss provision to assets | 0.2382% | 314 |
| Net operating income to assets | 1.1475% | 1,611 |
| Return on assets (ROA) | 1.1475% | 1,592 |
| Pretax return on assets | 1.4046% | 1,426 |
| Return on Equity (ROE) | 12.7067% | 1,462 |
| Retained earnings to average equity (ytd only) | 7.4130% | 1,845 |
| Net charge-offs to loans | 0.1945% | 331 |
| Credit loss provision to net charge-offs | 176.9912% | 1,026 |
| Earnings coverage of net charge-offs (x) | 12.2050% | 1,711 |
| Efficiency ratio | 56.2863% | 3,749 |
| Assets per employee ($millions) | 7.8044% | 1,415 |
| Cash dividends to net income (ytd only)* | 41.6609% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,852 |
| Loan loss allowance to noncurrent loans | 160.9265% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 1,116 |
| Noncurrent loans to loans | 0.7265% | 1,187 |
| Net loans and leases to total assets | 69.6646% | 1,322 |
| Net loans and leases to deposits | 79.7071% | 1,406 |
| Net loans and leases to core deposits | 81.2015% | 1,646 |
| Total domestic deposits to total assets | 87.4007% | 2,797 |
| Equity capital to assets | 8.6222% | 2,677 |
| Core capital (leverage) ratio | 8.9099% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0840% | 1,683 |
| Memoranda: | ||
| Average total assets | $1,007,420,000 | 974 |
| Average earning assets | $945,653,000 | 963 |
| Average equity | $90,975,667 | 1,038 |
| Average total loans | $697,086,333 | 889 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 1,886 |
| Cost of funding earning assets | 0.2506% | 2,153 |
| Net interest margin | 3.2240% | 1,807 |
| Noninterest income to average assets | 0.6666% | 1,426 |
| Noninterest expense to average assets | 2.1213% | 3,075 |
| Loan and lease loss provision to assets | 0.3412% | 172 |
| Net operating income to assets | 1.0083% | 1,846 |
| Return on assets (ROA) | 1.0083% | 1,843 |
| Pretax return on assets | 1.2305% | 1,701 |
| Return on Equity (ROE) | 10.9211% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.0644% | 2,231 |
| Net charge-offs to loans | 0.3933% | 171 |
| Credit loss provision to net charge-offs | 126.5396% | 911 |
| Earnings coverage of net charge-offs (x) | 5.8284% | 1,589 |
| Efficiency ratio | 57.4411% | 3,742 |
| Assets per employee ($millions) | 7.8497% | 1,467 |
| Cash dividends to net income (ytd only)* | 44.4706% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,183 |
| Loan loss allowance to noncurrent loans | 130.0214% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 981 |
| Noncurrent loans to loans | 0.8710% | 1,076 |
| Net loans and leases to total assets | 68.5655% | 1,154 |
| Net loans and leases to deposits | 78.4264% | 1,249 |
| Net loans and leases to core deposits | 80.0072% | 1,479 |
| Total domestic deposits to total assets | 87.4265% | 2,772 |
| Equity capital to assets | 8.9307% | 2,772 |
| Core capital (leverage) ratio | 8.8212% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2205% | 1,714 |
| Memoranda: | ||
| Average total assets | $1,011,649,000 | 970 |
| Average earning assets | $949,621,000 | 964 |
| Average equity | $93,397,000 | 1,047 |
| Average total loans | $693,551,500 | 885 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 1,569 |
| Cost of funding earning assets | 0.3073% | 2,336 |
| Net interest margin | 3.6089% | 1,441 |
| Noninterest income to average assets | 0.7064% | 1,743 |
| Noninterest expense to average assets | 2.2193% | 3,014 |
| Loan and lease loss provision to assets | 0.0655% | 1,753 |
| Net operating income to assets | 1.4514% | 1,132 |
| Return on assets (ROA) | 1.4514% | 1,206 |
| Pretax return on assets | 1.7837% | 946 |
| Return on Equity (ROE) | 14.8650% | 981 |
| Retained earnings to average equity (ytd only) | 10.2549% | 852 |
| Net charge-offs to loans | 0.0173% | 1,936 |
| Credit loss provision to net charge-offs | 511.4754% | 787 |
| Earnings coverage of net charge-offs (x) | 144.4918% | 682 |
| Efficiency ratio | 54.5483% | 3,866 |
| Assets per employee ($millions) | 7.9573% | 1,353 |
| Cash dividends to net income (ytd only)* | 31.0133% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,288 |
| Loan loss allowance to noncurrent loans | 117.9801% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 1,015 |
| Noncurrent loans to loans | 0.9467% | 1,069 |
| Net loans and leases to total assets | 67.0160% | 1,371 |
| Net loans and leases to deposits | 77.5388% | 1,439 |
| Net loans and leases to core deposits | 79.1311% | 1,665 |
| Total domestic deposits to total assets | 86.4290% | 2,746 |
| Equity capital to assets | 9.5295% | 3,120 |
| Core capital (leverage) ratio | 8.7314% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4186% | 1,706 |
| Memoranda: | ||
| Average total assets | $953,275,000 | 993 |
| Average earning assets | $888,075,600 | 991 |
| Average equity | $93,077,600 | 1,072 |
| Average total loans | $704,013,200 | 876 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 1,540 |
| Cost of funding earning assets | 0.3144% | 2,461 |
| Net interest margin | 3.6816% | 1,380 |
| Noninterest income to average assets | 0.7173% | 1,767 |
| Noninterest expense to average assets | 2.2496% | 2,895 |
| Loan and lease loss provision to assets | 0.0888% | 1,343 |
| Net operating income to assets | 1.4628% | 1,352 |
| Return on assets (ROA) | 1.4628% | 1,409 |
| Pretax return on assets | 1.8002% | 1,160 |
| Return on Equity (ROE) | 14.8850% | 1,167 |
| Retained earnings to average equity (ytd only) | 9.9489% | 1,330 |
| Net charge-offs to loans | 0.0025% | 2,278 |
| Credit loss provision to net charge-offs | 4,800.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,021.1538% | 163 |
| Efficiency ratio | 54.3563% | 3,759 |
| Assets per employee ($millions) | 7.5044% | 1,567 |
| Cash dividends to net income (ytd only)* | 33.1615% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,290 |
| Loan loss allowance to noncurrent loans | 132.0777% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 1,248 |
| Noncurrent loans to loans | 0.8561% | 1,341 |
| Net loans and leases to total assets | 70.6277% | 1,027 |
| Net loans and leases to deposits | 81.2730% | 1,167 |
| Net loans and leases to core deposits | 82.9452% | 1,500 |
| Total domestic deposits to total assets | 86.9018% | 2,389 |
| Equity capital to assets | 9.8416% | 3,065 |
| Core capital (leverage) ratio | 8.9379% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7403% | 1,706 |
| Memoranda: | ||
| Average total assets | $936,960,500 | 1,019 |
| Average earning assets | $870,734,000 | 1,018 |
| Average equity | $92,081,750 | 1,095 |
| Average total loans | $707,444,000 | 888 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 1,787 |
| Cost of funding earning assets | 0.3292% | 2,495 |
| Net interest margin | 3.5808% | 1,634 |
| Noninterest income to average assets | 0.7209% | 1,744 |
| Noninterest expense to average assets | 2.2459% | 2,935 |
| Loan and lease loss provision to assets | 0.1155% | 1,094 |
| Net operating income to assets | 1.3825% | 1,620 |
| Return on assets (ROA) | 1.3825% | 1,691 |
| Pretax return on assets | 1.6978% | 1,481 |
| Return on Equity (ROE) | 14.0741% | 1,391 |
| Retained earnings to average equity (ytd only) | 9.2905% | 1,625 |
| Net charge-offs to loans | 0.0067% | 1,891 |
| Credit loss provision to net charge-offs | 2,229.1667% | 268 |
| Earnings coverage of net charge-offs (x) | 350.0417% | 333 |
| Efficiency ratio | 55.3281% | 3,621 |
| Assets per employee ($millions) | 7.0078% | 1,805 |
| Cash dividends to net income (ytd only)* | 33.9891% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,421 |
| Loan loss allowance to noncurrent loans | 116.4605% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 1,148 |
| Noncurrent loans to loans | 0.9439% | 1,308 |
| Net loans and leases to total assets | 75.0767% | 671 |
| Net loans and leases to deposits | 86.7096% | 866 |
| Net loans and leases to core deposits | 88.5222% | 1,235 |
| Total domestic deposits to total assets | 86.5841% | 2,511 |
| Equity capital to assets | 10.0543% | 2,803 |
| Core capital (leverage) ratio | 8.7758% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9321% | 1,654 |
| Memoranda: | ||
| Average total assets | $926,593,333 | 1,025 |
| Average earning assets | $863,835,333 | 1,017 |
| Average equity | $91,018,000 | 1,100 |
| Average total loans | $712,745,667 | 883 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 1,711 |
| Cost of funding earning assets | 0.3460% | 2,559 |
| Net interest margin | 3.6019% | 1,579 |
| Noninterest income to average assets | 0.6780% | 1,932 |
| Noninterest expense to average assets | 2.2752% | 2,864 |
| Loan and lease loss provision to assets | 0.1152% | 1,194 |
| Net operating income to assets | 1.3686% | 1,637 |
| Return on assets (ROA) | 1.3686% | 1,722 |
| Pretax return on assets | 1.6774% | 1,545 |
| Return on Equity (ROE) | 14.0984% | 1,411 |
| Retained earnings to average equity (ytd only) | 9.6196% | 1,761 |
| Net charge-offs to loans | 0.0039% | 1,781 |
| Credit loss provision to net charge-offs | 3,814.2857% | 149 |
| Earnings coverage of net charge-offs (x) | 593.7143% | 167 |
| Efficiency ratio | 55.9326% | 3,555 |
| Assets per employee ($millions) | 7.0992% | 1,726 |
| Cash dividends to net income (ytd only)* | 31.7680% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,741 |
| Loan loss allowance to noncurrent loans | 174.4045% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,027 |
| Noncurrent loans to loans | 0.5884% | 2,099 |
| Net loans and leases to total assets | 76.8633% | 549 |
| Net loans and leases to deposits | 89.2553% | 747 |
| Net loans and leases to core deposits | 91.3297% | 1,150 |
| Total domestic deposits to total assets | 86.1163% | 2,693 |
| Equity capital to assets | 9.6523% | 3,049 |
| Core capital (leverage) ratio | 8.7431% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7962% | 1,641 |
| Memoranda: | ||
| Average total assets | $927,378,500 | 1,013 |
| Average earning assets | $872,771,000 | 1,002 |
| Average equity | $90,024,500 | 1,098 |
| Average total loans | $718,020,500 | 876 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 1,846 |
| Cost of funding earning assets | 0.5697% | 2,507 |
| Net interest margin | 3.7387% | 1,672 |
| Noninterest income to average assets | 0.8285% | 1,458 |
| Noninterest expense to average assets | 2.4443% | 3,009 |
| Loan and lease loss provision to assets | 0.1939% | 2,019 |
| Net operating income to assets | 1.3939% | 1,030 |
| Return on assets (ROA) | 1.3978% | 1,115 |
| Pretax return on assets | 1.6947% | 861 |
| Return on Equity (ROE) | 13.4661% | 928 |
| Retained earnings to average equity (ytd only) | 9.1455% | 736 |
| Net charge-offs to loans | 0.0451% | 2,166 |
| Credit loss provision to net charge-offs | 517.5896% | 1,224 |
| Earnings coverage of net charge-offs (x) | 50.2834% | 1,195 |
| Efficiency ratio | 56.4738% | 3,922 |
| Assets per employee ($millions) | 6.7475% | 1,742 |
| Cash dividends to net income (ytd only)* | 32.0849% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,803 |
| Loan loss allowance to noncurrent loans | 139.6552% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 1,877 |
| Noncurrent loans to loans | 0.7288% | 1,885 |
| Net loans and leases to total assets | 76.3987% | 742 |
| Net loans and leases to deposits | 89.5308% | 958 |
| Net loans and leases to core deposits | 91.9613% | 1,387 |
| Total domestic deposits to total assets | 85.3323% | 2,644 |
| Equity capital to assets | 9.7637% | 3,356 |
| Core capital (leverage) ratio | 8.7391% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3085% | 1,741 |
| Memoranda: | ||
| Average total assets | $819,420,200 | 1,034 |
| Average earning assets | $767,036,800 | 1,021 |
| Average equity | $85,057,800 | 1,096 |
| Average total loans | $681,412,000 | 888 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,046 |
| Cost of funding earning assets | 0.6032% | 2,591 |
| Net interest margin | 3.7147% | 1,897 |
| Noninterest income to average assets | 0.8511% | 1,347 |
| Noninterest expense to average assets | 2.5057% | 2,818 |
| Loan and lease loss provision to assets | 0.1756% | 2,226 |
| Net operating income to assets | 1.3551% | 1,214 |
| Return on assets (ROA) | 1.3605% | 1,300 |
| Pretax return on assets | 1.6454% | 1,078 |
| Return on Equity (ROE) | 12.8861% | 1,145 |
| Retained earnings to average equity (ytd only) | 8.3376% | 1,198 |
| Net charge-offs to loans | 0.0368% | 2,101 |
| Credit loss provision to net charge-offs | 562.9032% | 1,202 |
| Earnings coverage of net charge-offs (x) | 58.1559% | 1,115 |
| Efficiency ratio | 58.0004% | 3,664 |
| Assets per employee ($millions) | 6.6794% | 1,688 |
| Cash dividends to net income (ytd only)* | 35.2977% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,002 |
| Loan loss allowance to noncurrent loans | 125.1244% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 1,862 |
| Noncurrent loans to loans | 0.7359% | 1,969 |
| Net loans and leases to total assets | 84.1217% | 267 |
| Net loans and leases to deposits | 98.1887% | 616 |
| Net loans and leases to core deposits | 101.1513% | 1,081 |
| Total domestic deposits to total assets | 85.6736% | 2,188 |
| Equity capital to assets | 10.0336% | 3,198 |
| Core capital (leverage) ratio | 8.9832% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9683% | 1,843 |
| Memoranda: | ||
| Average total assets | $794,860,000 | 1,048 |
| Average earning assets | $742,299,750 | 1,041 |
| Average equity | $83,922,750 | 1,101 |
| Average total loans | $674,692,500 | 892 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,087 |
| Cost of funding earning assets | 0.6718% | 2,543 |
| Net interest margin | 3.7725% | 1,907 |
| Noninterest income to average assets | 0.8048% | 1,420 |
| Noninterest expense to average assets | 2.5811% | 2,730 |
| Loan and lease loss provision to assets | 0.1776% | 2,241 |
| Net operating income to assets | 1.3001% | 1,358 |
| Return on assets (ROA) | 1.3085% | 1,442 |
| Pretax return on assets | 1.5725% | 1,288 |
| Return on Equity (ROE) | 12.1657% | 1,293 |
| Retained earnings to average equity (ytd only) | 7.3670% | 1,517 |
| Net charge-offs to loans | 0.0288% | 2,142 |
| Credit loss provision to net charge-offs | 727.6596% | 974 |
| Earnings coverage of net charge-offs (x) | 71.2979% | 876 |
| Efficiency ratio | 59.7332% | 3,445 |
| Assets per employee ($millions) | 6.4764% | 1,804 |
| Cash dividends to net income (ytd only)* | 39.4444% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 3,977 |
| Loan loss allowance to noncurrent loans | 117.4901% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 1,630 |
| Noncurrent loans to loans | 0.7716% | 1,954 |
| Net loans and leases to total assets | 86.5925% | 112 |
| Net loans and leases to deposits | 101.6906% | 456 |
| Net loans and leases to core deposits | 104.3362% | 980 |
| Total domestic deposits to total assets | 85.1529% | 2,332 |
| Equity capital to assets | 10.3303% | 2,904 |
| Core capital (leverage) ratio | 9.0000% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8505% | 1,875 |
| Memoranda: | ||
| Average total assets | $770,371,333 | 1,058 |
| Average earning assets | $718,029,000 | 1,049 |
| Average equity | $82,855,667 | 1,105 |
| Average total loans | $653,843,667 | 902 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 2,362 |
| Cost of funding earning assets | 0.7622% | 2,595 |
| Net interest margin | 3.7193% | 2,264 |
| Noninterest income to average assets | 0.7320% | 1,525 |
| Noninterest expense to average assets | 2.6930% | 2,725 |
| Loan and lease loss provision to assets | 0.2026% | 1,504 |
| Net operating income to assets | 1.1022% | 1,833 |
| Return on assets (ROA) | 1.1022% | 1,933 |
| Pretax return on assets | 1.3005% | 1,868 |
| Return on Equity (ROE) | 10.0293% | 1,742 |
| Retained earnings to average equity (ytd only) | 3.3545% | 2,938 |
| Net charge-offs to loans | 0.0753% | 1,268 |
| Credit loss provision to net charge-offs | 322.2222% | 1,125 |
| Earnings coverage of net charge-offs (x) | 23.9060% | 1,319 |
| Efficiency ratio | 64.1778% | 3,208 |
| Assets per employee ($millions) | 5.7789% | 1,863 |
| Cash dividends to net income (ytd only)* | 66.5529% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,829 |
| Loan loss allowance to noncurrent loans | 110.7194% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 1,581 |
| Noncurrent loans to loans | 0.8794% | 1,854 |
| Net loans and leases to total assets | 83.7598% | 284 |
| Net loans and leases to deposits | 101.5776% | 457 |
| Net loans and leases to core deposits | 104.7402% | 1,137 |
| Total domestic deposits to total assets | 82.4590% | 3,275 |
| Equity capital to assets | 10.9731% | 2,880 |
| Core capital (leverage) ratio | 9.7516% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2574% | 2,173 |
| Memoranda: | ||
| Average total assets | $744,305,000 | 1,052 |
| Average earning assets | $693,241,500 | 1,042 |
| Average equity | $81,800,000 | 1,114 |
| Average total loans | $621,394,000 | 916 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 2,015 |
| Cost of funding earning assets | 0.8257% | 2,553 |
| Net interest margin | 3.9845% | 1,897 |
| Noninterest income to average assets | 0.8227% | 1,379 |
| Noninterest expense to average assets | 2.7224% | 2,824 |
| Loan and lease loss provision to assets | 0.1493% | 1,431 |
| Net operating income to assets | 1.3509% | 1,500 |
| Return on assets (ROA) | 1.3479% | 1,592 |
| Pretax return on assets | 1.6283% | 1,407 |
| Return on Equity (ROE) | 12.3682% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.9003% | 1,429 |
| Net charge-offs to loans | 0.1285% | 1,482 |
| Credit loss provision to net charge-offs | 143.4724% | 1,793 |
| Earnings coverage of net charge-offs (x) | 17.1225% | 2,129 |
| Efficiency ratio | 60.4489% | 3,626 |
| Assets per employee ($millions) | 5.6720% | 1,903 |
| Cash dividends to net income (ytd only)* | 44.2090% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,627 |
| Loan loss allowance to noncurrent loans | 116.7685% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 1,578 |
| Noncurrent loans to loans | 0.8356% | 1,840 |
| Net loans and leases to total assets | 81.5652% | 606 |
| Net loans and leases to deposits | 97.6710% | 787 |
| Net loans and leases to core deposits | 101.8845% | 1,416 |
| Total domestic deposits to total assets | 83.5101% | 3,017 |
| Equity capital to assets | 11.0075% | 2,990 |
| Core capital (leverage) ratio | 9.4969% | 4,067 |
| Tier 1 risk-based capital ratio | 13.3757% | 3,594 |
| Total risk-based capital ratio | 14.5325% | 3,522 |
| Memoranda: | ||
| Average total assets | $714,222,800 | 1,048 |
| Average earning assets | $659,806,200 | 1,048 |
| Average equity | $77,836,800 | 1,114 |
| Average total loans | $578,431,000 | 940 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 1,924 |
| Cost of funding earning assets | 0.8290% | 2,573 |
| Net interest margin | 4.0387% | 1,806 |
| Noninterest income to average assets | 0.8006% | 1,419 |
| Noninterest expense to average assets | 2.7728% | 2,645 |
| Loan and lease loss provision to assets | 0.1444% | 1,328 |
| Net operating income to assets | 1.3313% | 1,719 |
| Return on assets (ROA) | 1.3313% | 1,787 |
| Pretax return on assets | 1.6080% | 1,606 |
| Return on Equity (ROE) | 12.2482% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.2973% | 2,225 |
| Net charge-offs to loans | 0.1134% | 1,344 |
| Credit loss provision to net charge-offs | 157.8189% | 1,570 |
| Earnings coverage of net charge-offs (x) | 19.1586% | 2,017 |
| Efficiency ratio | 61.2752% | 3,441 |
| Assets per employee ($millions) | 5.4379% | 2,091 |
| Cash dividends to net income (ytd only)* | 48.5864% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,724 |
| Loan loss allowance to noncurrent loans | 90.6905% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 1,503 |
| Noncurrent loans to loans | 1.0710% | 1,486 |
| Net loans and leases to total assets | 82.3278% | 527 |
| Net loans and leases to deposits | 98.7851% | 740 |
| Net loans and leases to core deposits | 104.0198% | 1,323 |
| Total domestic deposits to total assets | 83.3403% | 3,047 |
| Equity capital to assets | 10.9082% | 3,186 |
| Core capital (leverage) ratio | 9.7789% | 3,883 |
| Tier 1 risk-based capital ratio | 13.1450% | 3,766 |
| Total risk-based capital ratio | 14.2975% | 3,722 |
| Memoranda: | ||
| Average total assets | $708,439,750 | 1,060 |
| Average earning assets | $653,335,250 | 1,057 |
| Average equity | $77,005,000 | 1,120 |
| Average total loans | $571,201,000 | 950 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 1,664 |
| Cost of funding earning assets | 0.8419% | 2,437 |
| Net interest margin | 4.0880% | 1,641 |
| Noninterest income to average assets | 0.7573% | 1,490 |
| Noninterest expense to average assets | 2.8437% | 2,432 |
| Loan and lease loss provision to assets | 0.1009% | 1,858 |
| Net operating income to assets | 1.3103% | 1,733 |
| Return on assets (ROA) | 1.3103% | 1,799 |
| Pretax return on assets | 1.5827% | 1,597 |
| Return on Equity (ROE) | 12.0691% | 1,551 |
| Retained earnings to average equity (ytd only) | 5.2692% | 2,633 |
| Net charge-offs to loans | 0.0836% | 1,525 |
| Credit loss provision to net charge-offs | 151.2821% | 1,478 |
| Earnings coverage of net charge-offs (x) | 25.2436% | 1,599 |
| Efficiency ratio | 62.8116% | 3,317 |
| Assets per employee ($millions) | 5.2234% | 2,229 |
| Cash dividends to net income (ytd only)* | 56.3411% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,575 |
| Loan loss allowance to noncurrent loans | 85.8150% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 1,398 |
| Noncurrent loans to loans | 1.1741% | 1,369 |
| Net loans and leases to total assets | 82.8035% | 502 |
| Net loans and leases to deposits | 100.9070% | 613 |
| Net loans and leases to core deposits | 108.1567% | 1,091 |
| Total domestic deposits to total assets | 82.0592% | 3,497 |
| Equity capital to assets | 11.4423% | 2,651 |
| Core capital (leverage) ratio | 9.6392% | 3,988 |
| Tier 1 risk-based capital ratio | 13.2952% | 3,694 |
| Total risk-based capital ratio | 14.4577% | 3,636 |
| Memoranda: | ||
| Average total assets | $701,693,000 | 1,070 |
| Average earning assets | $647,110,000 | 1,068 |
| Average equity | $76,178,000 | 1,126 |
| Average total loans | $559,671,330 | 962 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 2,353 |
| Cost of funding earning assets | 0.8249% | 2,399 |
| Net interest margin | 3.8342% | 2,402 |
| Noninterest income to average assets | 0.7405% | 1,462 |
| Noninterest expense to average assets | 2.8184% | 2,506 |
| Loan and lease loss provision to assets | 0.1195% | 1,467 |
| Net operating income to assets | 1.1287% | 2,356 |
| Return on assets (ROA) | 1.1287% | 2,403 |
| Pretax return on assets | 1.3542% | 2,249 |
| Return on Equity (ROE) | 10.6712% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.2459% | 3,625 |
| Net charge-offs to loans | 0.0634% | 1,407 |
| Credit loss provision to net charge-offs | 242.0455% | 943 |
| Earnings coverage of net charge-offs (x) | 29.8523% | 1,336 |
| Efficiency ratio | 65.6646% | 2,982 |
| Assets per employee ($millions) | 5.4329% | 2,046 |
| Cash dividends to net income (ytd only)* | 69.5825% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,776 |
| Loan loss allowance to noncurrent loans | 112.2037% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 1,876 |
| Noncurrent loans to loans | 0.8813% | 1,888 |
| Net loans and leases to total assets | 81.2061% | 683 |
| Net loans and leases to deposits | 96.9257% | 896 |
| Net loans and leases to core deposits | 104.0903% | 1,311 |
| Total domestic deposits to total assets | 83.7818% | 3,123 |
| Equity capital to assets | 10.7535% | 3,099 |
| Core capital (leverage) ratio | 9.3482% | 4,318 |
| Tier 1 risk-based capital ratio | 12.9711% | 3,890 |
| Total risk-based capital ratio | 14.1305% | 3,837 |
| Memoranda: | ||
| Average total assets | $713,017,500 | 1,063 |
| Average earning assets | $660,471,000 | 1,061 |
| Average equity | $75,418,000 | 1,134 |
| Average total loans | $555,509,500 | 972 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 2,041 |
| Cost of funding earning assets | 0.6107% | 2,640 |
| Net interest margin | 4.0227% | 1,914 |
| Noninterest income to average assets | 0.9019% | 1,175 |
| Noninterest expense to average assets | 2.8614% | 2,478 |
| Loan and lease loss provision to assets | 0.1147% | 1,921 |
| Net operating income to assets | 1.3534% | 1,605 |
| Return on assets (ROA) | 1.3495% | 1,605 |
| Pretax return on assets | 1.6357% | 1,357 |
| Return on Equity (ROE) | 12.7299% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.9913% | 1,674 |
| Net charge-offs to loans | 0.1186% | 1,555 |
| Credit loss provision to net charge-offs | 126.8293% | 2,076 |
| Earnings coverage of net charge-offs (x) | 19.4065% | 2,063 |
| Efficiency ratio | 61.9820% | 3,531 |
| Assets per employee ($millions) | 5.6231% | 1,840 |
| Cash dividends to net income (ytd only)* | 45.0801% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,355 |
| Loan loss allowance to noncurrent loans | 112.1946% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 1,923 |
| Noncurrent loans to loans | 0.9392% | 1,713 |
| Net loans and leases to total assets | 73.1006% | 2,080 |
| Net loans and leases to deposits | 86.3186% | 2,236 |
| Net loans and leases to core deposits | 93.2098% | 2,297 |
| Total domestic deposits to total assets | 84.6870% | 2,771 |
| Equity capital to assets | 10.4044% | 3,276 |
| Core capital (leverage) ratio | 9.1806% | 4,478 |
| Tier 1 risk-based capital ratio | 12.8379% | 3,948 |
| Total risk-based capital ratio | 13.9711% | 3,889 |
| Memoranda: | ||
| Average total assets | $680,024,200 | 1,079 |
| Average earning assets | $627,940,200 | 1,077 |
| Average equity | $72,090,000 | 1,130 |
| Average total loans | $518,688,400 | 1,010 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,995 |
| Cost of funding earning assets | 0.5488% | 2,866 |
| Net interest margin | 4.0444% | 1,806 |
| Noninterest income to average assets | 0.9244% | 1,126 |
| Noninterest expense to average assets | 2.8694% | 2,406 |
| Loan and lease loss provision to assets | 0.1134% | 1,791 |
| Net operating income to assets | 1.3660% | 1,603 |
| Return on assets (ROA) | 1.3628% | 1,614 |
| Pretax return on assets | 1.6708% | 1,344 |
| Return on Equity (ROE) | 12.7912% | 1,507 |
| Retained earnings to average equity (ytd only) | 6.6337% | 2,316 |
| Net charge-offs to loans | 0.0949% | 1,540 |
| Credit loss provision to net charge-offs | 155.3134% | 1,657 |
| Earnings coverage of net charge-offs (x) | 24.4878% | 1,813 |
| Efficiency ratio | 61.6071% | 3,571 |
| Assets per employee ($millions) | 5.2974% | 2,127 |
| Cash dividends to net income (ytd only)* | 48.1384% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,403 |
| Loan loss allowance to noncurrent loans | 101.9519% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 1,791 |
| Noncurrent loans to loans | 1.0414% | 1,639 |
| Net loans and leases to total assets | 75.7508% | 1,701 |
| Net loans and leases to deposits | 89.6549% | 1,946 |
| Net loans and leases to core deposits | 98.5074% | 1,900 |
| Total domestic deposits to total assets | 84.4916% | 2,791 |
| Equity capital to assets | 10.5328% | 3,111 |
| Core capital (leverage) ratio | 9.3542% | 4,330 |
| Tier 1 risk-based capital ratio | 12.6574% | 4,116 |
| Total risk-based capital ratio | 13.8092% | 4,060 |
| Memoranda: | ||
| Average total assets | $670,092,000 | 1,094 |
| Average earning assets | $618,518,250 | 1,091 |
| Average equity | $71,391,000 | 1,141 |
| Average total loans | $515,423,750 | 1,016 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 2,011 |
| Cost of funding earning assets | 0.4920% | 3,062 |
| Net interest margin | 4.0328% | 1,752 |
| Noninterest income to average assets | 0.9352% | 1,090 |
| Noninterest expense to average assets | 2.9157% | 2,309 |
| Loan and lease loss provision to assets | 0.1087% | 1,802 |
| Net operating income to assets | 1.3206% | 1,699 |
| Return on assets (ROA) | 1.3182% | 1,702 |
| Pretax return on assets | 1.6217% | 1,434 |
| Return on Equity (ROE) | 12.3236% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,870 |
| Net charge-offs to loans | 0.1509% | 1,023 |
| Credit loss provision to net charge-offs | 93.5065% | 2,126 |
| Earnings coverage of net charge-offs (x) | 14.9065% | 2,071 |
| Efficiency ratio | 62.7144% | 3,534 |
| Assets per employee ($millions) | 5.0737% | 2,322 |
| Cash dividends to net income (ytd only)* | 56.1412% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,607 |
| Loan loss allowance to noncurrent loans | 113.1716% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 1,908 |
| Noncurrent loans to loans | 0.9173% | 1,886 |
| Net loans and leases to total assets | 78.8415% | 1,185 |
| Net loans and leases to deposits | 97.7455% | 984 |
| Net loans and leases to core deposits | 101.5751% | 1,594 |
| Total domestic deposits to total assets | 80.6600% | 4,087 |
| Equity capital to assets | 10.9372% | 2,694 |
| Core capital (leverage) ratio | 9.4534% | 4,173 |
| Tier 1 risk-based capital ratio | 12.6750% | 4,073 |
| Total risk-based capital ratio | 13.8120% | 4,046 |
| Memoranda: | ||
| Average total assets | $662,138,000 | 1,105 |
| Average earning assets | $609,801,330 | 1,102 |
| Average equity | $70,823,670 | 1,149 |
| Average total loans | $510,126,000 | 1,027 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,219 |
| Cost of funding earning assets | 0.4709% | 3,030 |
| Net interest margin | 3.9226% | 1,953 |
| Noninterest income to average assets | 0.8403% | 1,327 |
| Noninterest expense to average assets | 2.7900% | 2,729 |
| Loan and lease loss provision to assets | 0.1081% | 1,727 |
| Net operating income to assets | 1.2994% | 1,641 |
| Return on assets (ROA) | 1.2974% | 1,652 |
| Pretax return on assets | 1.5719% | 1,470 |
| Return on Equity (ROE) | 12.2652% | 1,488 |
| Retained earnings to average equity (ytd only) | 5.1105% | 3,118 |
| Net charge-offs to loans | 0.2196% | 682 |
| Credit loss provision to net charge-offs | 64.9819% | 1,870 |
| Earnings coverage of net charge-offs (x) | 10.1119% | 1,920 |
| Efficiency ratio | 62.3825% | 3,717 |
| Assets per employee ($millions) | 5.1995% | 2,253 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,608 |
| Loan loss allowance to noncurrent loans | 126.3843% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 2,302 |
| Noncurrent loans to loans | 0.8373% | 2,144 |
| Net loans and leases to total assets | 75.0340% | 1,700 |
| Net loans and leases to deposits | 89.3417% | 1,773 |
| Net loans and leases to core deposits | 99.3200% | 1,739 |
| Total domestic deposits to total assets | 83.9854% | 3,336 |
| Equity capital to assets | 10.6180% | 2,951 |
| Core capital (leverage) ratio | 9.2619% | 4,365 |
| Tier 1 risk-based capital ratio | 12.8094% | 4,058 |
| Total risk-based capital ratio | 13.9626% | 4,007 |
| Memoranda: | ||
| Average total assets | $665,953,000 | 1,113 |
| Average earning assets | $616,636,500 | 1,108 |
| Average equity | $70,443,000 | 1,167 |
| Average total loans | $504,470,500 | 1,042 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 1,930 |
| Cost of funding earning assets | 0.4266% | 2,988 |
| Net interest margin | 4.0063% | 1,735 |
| Noninterest income to average assets | 0.8575% | 1,387 |
| Noninterest expense to average assets | 2.8916% | 2,483 |
| Loan and lease loss provision to assets | 0.0999% | 2,227 |
| Net operating income to assets | 1.0437% | 2,078 |
| Return on assets (ROA) | 1.0440% | 2,108 |
| Pretax return on assets | 1.5356% | 1,504 |
| Return on Equity (ROE) | 9.9319% | 1,918 |
| Retained earnings to average equity (ytd only) | 5.2459% | 1,968 |
| Net charge-offs to loans | 0.0985% | 2,092 |
| Credit loss provision to net charge-offs | 132.6531% | 1,991 |
| Earnings coverage of net charge-offs (x) | 21.7184% | 1,884 |
| Efficiency ratio | 62.9535% | 3,788 |
| Assets per employee ($millions) | 5.0868% | 2,374 |
| Cash dividends to net income (ytd only)* | 47.1818% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,461 |
| Loan loss allowance to noncurrent loans | 125.0690% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 2,232 |
| Noncurrent loans to loans | 0.8623% | 2,073 |
| Net loans and leases to total assets | 74.8508% | 1,784 |
| Net loans and leases to deposits | 88.8792% | 1,915 |
| Net loans and leases to core deposits | 100.1166% | 1,702 |
| Total domestic deposits to total assets | 84.2164% | 3,119 |
| Equity capital to assets | 10.5376% | 3,126 |
| Core capital (leverage) ratio | 8.9682% | 4,688 |
| Tier 1 risk-based capital ratio | 12.6420% | 4,121 |
| Total risk-based capital ratio | 13.8182% | 4,064 |
| Memoranda: | ||
| Average total assets | $650,877,200 | 1,119 |
| Average earning assets | $596,116,400 | 1,122 |
| Average equity | $68,415,600 | 1,166 |
| Average total loans | $497,708,800 | 1,033 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 2,009 |
| Cost of funding earning assets | 0.4269% | 2,911 |
| Net interest margin | 3.9547% | 1,845 |
| Noninterest income to average assets | 0.8649% | 1,388 |
| Noninterest expense to average assets | 2.9256% | 2,317 |
| Loan and lease loss provision to assets | 0.0927% | 2,232 |
| Net operating income to assets | 1.0572% | 2,298 |
| Return on assets (ROA) | 1.0580% | 2,330 |
| Pretax return on assets | 1.4578% | 1,917 |
| Return on Equity (ROE) | 10.0716% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.0594% | 2,850 |
| Net charge-offs to loans | 0.0785% | 2,016 |
| Credit loss provision to net charge-offs | 154.1096% | 1,655 |
| Earnings coverage of net charge-offs (x) | 25.7502% | 1,713 |
| Efficiency ratio | 64.4318% | 3,460 |
| Assets per employee ($millions) | 5.0453% | 2,398 |
| Cash dividends to net income (ytd only)* | 49.7663% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,656 |
| Loan loss allowance to noncurrent loans | 153.7765% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 2,768 |
| Noncurrent loans to loans | 0.6972% | 2,613 |
| Net loans and leases to total assets | 75.8956% | 1,604 |
| Net loans and leases to deposits | 89.9733% | 1,811 |
| Net loans and leases to core deposits | 102.1055% | 1,540 |
| Total domestic deposits to total assets | 84.3535% | 2,978 |
| Equity capital to assets | 10.4943% | 3,383 |
| Core capital (leverage) ratio | 9.0719% | 4,663 |
| Tier 1 risk-based capital ratio | 12.3389% | 4,416 |
| Total risk-based capital ratio | 13.5079% | 4,362 |
| Memoranda: | ||
| Average total assets | $647,004,500 | 1,130 |
| Average earning assets | $590,645,000 | 1,137 |
| Average equity | $67,964,750 | 1,180 |
| Average total loans | $496,081,000 | 1,038 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 2,097 |
| Cost of funding earning assets | 0.4203% | 2,889 |
| Net interest margin | 3.8867% | 1,983 |
| Noninterest income to average assets | 0.8556% | 1,402 |
| Noninterest expense to average assets | 2.9416% | 2,295 |
| Loan and lease loss provision to assets | 0.0934% | 2,124 |
| Net operating income to assets | 0.9932% | 2,455 |
| Return on assets (ROA) | 0.9938% | 2,504 |
| Pretax return on assets | 1.3597% | 2,168 |
| Return on Equity (ROE) | 9.4578% | 2,293 |
| Retained earnings to average equity (ytd only) | 4.1274% | 3,250 |
| Net charge-offs to loans | 0.0829% | 1,780 |
| Credit loss provision to net charge-offs | 147.0588% | 1,544 |
| Earnings coverage of net charge-offs (x) | 22.8627% | 1,694 |
| Efficiency ratio | 65.9864% | 3,356 |
| Assets per employee ($millions) | 5.0205% | 2,365 |
| Cash dividends to net income (ytd only)* | 56.3596% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,753 |
| Loan loss allowance to noncurrent loans | 172.9086% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 2,992 |
| Noncurrent loans to loans | 0.6171% | 2,881 |
| Net loans and leases to total assets | 76.9393% | 1,390 |
| Net loans and leases to deposits | 93.2794% | 1,333 |
| Net loans and leases to core deposits | 106.5229% | 1,187 |
| Total domestic deposits to total assets | 82.4827% | 3,732 |
| Equity capital to assets | 10.5322% | 3,298 |
| Core capital (leverage) ratio | 8.9340% | 4,796 |
| Tier 1 risk-based capital ratio | 12.1331% | 4,545 |
| Total risk-based capital ratio | 13.2940% | 4,486 |
| Memoranda: | ||
| Average total assets | $642,362,000 | 1,140 |
| Average earning assets | $584,765,330 | 1,149 |
| Average equity | $67,499,670 | 1,184 |
| Average total loans | $492,423,330 | 1,040 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,233 |
| Cost of funding earning assets | 0.4190% | 2,823 |
| Net interest margin | 3.7933% | 2,140 |
| Noninterest income to average assets | 0.8547% | 1,383 |
| Noninterest expense to average assets | 2.9069% | 2,437 |
| Loan and lease loss provision to assets | 0.0938% | 1,976 |
| Net operating income to assets | 0.9658% | 2,456 |
| Return on assets (ROA) | 0.9667% | 2,501 |
| Pretax return on assets | 1.3200% | 2,166 |
| Return on Equity (ROE) | 9.2101% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.5395% | 3,156 |
| Net charge-offs to loans | 0.1397% | 1,102 |
| Credit loss provision to net charge-offs | 88.2353% | 1,703 |
| Earnings coverage of net charge-offs (x) | 13.2882% | 1,795 |
| Efficiency ratio | 66.3144% | 3,442 |
| Assets per employee ($millions) | 4.9042% | 2,570 |
| Cash dividends to net income (ytd only)* | 50.7115% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,814 |
| Loan loss allowance to noncurrent loans | 165.7629% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 2,910 |
| Noncurrent loans to loans | 0.6526% | 2,871 |
| Net loans and leases to total assets | 74.8369% | 1,608 |
| Net loans and leases to deposits | 90.1770% | 1,510 |
| Net loans and leases to core deposits | 100.1250% | 1,500 |
| Total domestic deposits to total assets | 82.9889% | 3,846 |
| Equity capital to assets | 10.5097% | 3,177 |
| Core capital (leverage) ratio | 8.9650% | 4,782 |
| Tier 1 risk-based capital ratio | 12.3435% | 4,482 |
| Total risk-based capital ratio | 13.5129% | 4,434 |
| Memoranda: | ||
| Average total assets | $639,721,000 | 1,145 |
| Average earning assets | $584,292,500 | 1,148 |
| Average equity | $67,144,000 | 1,186 |
| Average total loans | $486,801,500 | 1,046 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 1,832 |
| Cost of funding earning assets | 0.4061% | 2,946 |
| Net interest margin | 3.9898% | 1,660 |
| Noninterest income to average assets | 0.9080% | 1,388 |
| Noninterest expense to average assets | 3.1049% | 2,018 |
| Loan and lease loss provision to assets | 0.0826% | 2,706 |
| Net operating income to assets | 0.9923% | 2,381 |
| Return on assets (ROA) | 0.9923% | 2,486 |
| Pretax return on assets | 1.3546% | 2,081 |
| Return on Equity (ROE) | 9.2044% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.6987% | 2,550 |
| Net charge-offs to loans | 0.0499% | 3,048 |
| Credit loss provision to net charge-offs | 213.6752% | 1,332 |
| Earnings coverage of net charge-offs (x) | 37.1752% | 1,242 |
| Efficiency ratio | 67.3651% | 3,374 |
| Assets per employee ($millions) | 4.9000% | 2,504 |
| Cash dividends to net income (ytd only)* | 48.9510% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,813 |
| Loan loss allowance to noncurrent loans | 146.6518% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,847 |
| Noncurrent loans to loans | 0.7382% | 2,681 |
| Net loans and leases to total assets | 75.7117% | 1,557 |
| Net loans and leases to deposits | 95.4579% | 1,051 |
| Net loans and leases to core deposits | 105.0385% | 1,201 |
| Total domestic deposits to total assets | 79.3142% | 4,715 |
| Equity capital to assets | 10.4818% | 3,176 |
| Core capital (leverage) ratio | 9.0804% | 4,647 |
| Tier 1 risk-based capital ratio | 12.2343% | 4,548 |
| Total risk-based capital ratio | 13.4155% | 4,481 |
| Memoranda: | ||
| Average total assets | $605,274,600 | 1,160 |
| Average earning assets | $551,305,800 | 1,167 |
| Average equity | $65,251,600 | 1,205 |
| Average total loans | $469,351,800 | 1,028 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 1,773 |
| Cost of funding earning assets | 0.4155% | 2,883 |
| Net interest margin | 4.0105% | 1,620 |
| Noninterest income to average assets | 0.9009% | 1,400 |
| Noninterest expense to average assets | 3.1046% | 2,016 |
| Loan and lease loss provision to assets | 0.0893% | 2,441 |
| Net operating income to assets | 0.9716% | 2,563 |
| Return on assets (ROA) | 0.9716% | 2,696 |
| Pretax return on assets | 1.3526% | 2,227 |
| Return on Equity (ROE) | 8.9466% | 2,520 |
| Retained earnings to average equity (ytd only) | 4.3284% | 3,240 |
| Net charge-offs to loans | 0.0666% | 2,384 |
| Credit loss provision to net charge-offs | 172.4138% | 1,616 |
| Earnings coverage of net charge-offs (x) | 27.8444% | 1,553 |
| Efficiency ratio | 67.2787% | 3,361 |
| Assets per employee ($millions) | 4.5849% | 2,944 |
| Cash dividends to net income (ytd only)* | 51.6197% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,838 |
| Loan loss allowance to noncurrent loans | 179.7363% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 3,288 |
| Noncurrent loans to loans | 0.6116% | 3,184 |
| Net loans and leases to total assets | 77.0026% | 1,362 |
| Net loans and leases to deposits | 92.3858% | 1,447 |
| Net loans and leases to core deposits | 101.2295% | 1,538 |
| Total domestic deposits to total assets | 83.3489% | 3,466 |
| Equity capital to assets | 10.9220% | 3,096 |
| Core capital (leverage) ratio | 9.0344% | 4,795 |
| Tier 1 risk-based capital ratio | 12.3089% | 4,601 |
| Total risk-based capital ratio | 13.4985% | 4,542 |
| Memoranda: | ||
| Average total assets | $597,344,000 | 1,172 |
| Average earning assets | $542,993,750 | 1,185 |
| Average equity | $64,872,250 | 1,218 |
| Average total loans | $464,800,000 | 1,044 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 1,932 |
| Cost of funding earning assets | 0.4136% | 2,904 |
| Net interest margin | 3.9502% | 1,802 |
| Noninterest income to average assets | 0.8582% | 1,515 |
| Noninterest expense to average assets | 3.0929% | 2,082 |
| Loan and lease loss provision to assets | 0.0841% | 2,459 |
| Net operating income to assets | 0.9117% | 2,805 |
| Return on assets (ROA) | 0.9117% | 2,939 |
| Pretax return on assets | 1.2658% | 2,535 |
| Return on Equity (ROE) | 8.4111% | 2,791 |
| Retained earnings to average equity (ytd only) | 3.2856% | 3,807 |
| Net charge-offs to loans | 0.0795% | 2,058 |
| Credit loss provision to net charge-offs | 135.8696% | 1,719 |
| Earnings coverage of net charge-offs (x) | 21.8152% | 1,658 |
| Efficiency ratio | 68.5868% | 3,228 |
| Assets per employee ($millions) | 4.5128% | 2,999 |
| Cash dividends to net income (ytd only)* | 60.9369% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 4,084 |
| Loan loss allowance to noncurrent loans | 145.0443% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 3,037 |
| Noncurrent loans to loans | 0.7410% | 2,888 |
| Net loans and leases to total assets | 78.4615% | 1,141 |
| Net loans and leases to deposits | 99.4855% | 735 |
| Net loans and leases to core deposits | 107.4927% | 1,063 |
| Total domestic deposits to total assets | 78.8672% | 4,815 |
| Equity capital to assets | 10.9259% | 3,143 |
| Core capital (leverage) ratio | 9.0712% | 4,750 |
| Tier 1 risk-based capital ratio | 11.9646% | 4,847 |
| Total risk-based capital ratio | 13.1196% | 4,812 |
| Memoranda: | ||
| Average total assets | $594,721,670 | 1,185 |
| Average earning assets | $539,674,670 | 1,198 |
| Average equity | $64,462,670 | 1,225 |
| Average total loans | $462,664,000 | 1,043 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,189 |
| Cost of funding earning assets | 0.4074% | 2,990 |
| Net interest margin | 3.8763% | 2,005 |
| Noninterest income to average assets | 0.8333% | 1,503 |
| Noninterest expense to average assets | 3.1038% | 2,090 |
| Loan and lease loss provision to assets | 0.0673% | 2,613 |
| Net operating income to assets | 0.8663% | 2,910 |
| Return on assets (ROA) | 0.8663% | 3,028 |
| Pretax return on assets | 1.2036% | 2,685 |
| Return on Equity (ROE) | 8.0248% | 2,896 |
| Retained earnings to average equity (ytd only) | 3.6601% | 3,663 |
| Net charge-offs to loans | 0.0026% | 3,031 |
| Credit loss provision to net charge-offs | 3,333.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 629.3333% | 81 |
| Efficiency ratio | 69.9031% | 3,155 |
| Assets per employee ($millions) | 4.4251% | 3,210 |
| Cash dividends to net income (ytd only)* | 54.3901% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,942 |
| Loan loss allowance to noncurrent loans | 128.5283% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 2,835 |
| Noncurrent loans to loans | 0.8719% | 2,666 |
| Net loans and leases to total assets | 76.0216% | 1,391 |
| Net loans and leases to deposits | 92.0765% | 1,340 |
| Net loans and leases to core deposits | 98.9305% | 1,568 |
| Total domestic deposits to total assets | 82.5635% | 4,045 |
| Equity capital to assets | 10.8869% | 3,059 |
| Core capital (leverage) ratio | 9.1824% | 4,618 |
| Tier 1 risk-based capital ratio | 12.5167% | 4,563 |
| Total risk-based capital ratio | 13.7431% | 4,490 |
| Memoranda: | ||
| Average total assets | $594,235,000 | 1,191 |
| Average earning assets | $542,889,500 | 1,198 |
| Average equity | $64,151,500 | 1,223 |
| Average total loans | $457,761,500 | 1,055 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,909 |
| Cost of funding earning assets | 0.4202% | 2,937 |
| Net interest margin | 3.9783% | 1,791 |
| Noninterest income to average assets | 0.8720% | 1,525 |
| Noninterest expense to average assets | 3.1531% | 2,080 |
| Loan and lease loss provision to assets | 0.0870% | 2,556 |
| Net operating income to assets | 0.9003% | 2,867 |
| Return on assets (ROA) | 0.9026% | 2,935 |
| Pretax return on assets | 1.2444% | 2,489 |
| Return on Equity (ROE) | 8.4663% | 2,729 |
| Retained earnings to average equity (ytd only) | 3.9187% | 3,251 |
| Net charge-offs to loans | 0.0886% | 2,556 |
| Credit loss provision to net charge-offs | 126.2376% | 2,062 |
| Earnings coverage of net charge-offs (x) | 19.2748% | 1,962 |
| Efficiency ratio | 69.3198% | 3,340 |
| Assets per employee ($millions) | 4.4112% | 3,193 |
| Cash dividends to net income (ytd only)* | 53.7139% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,097 |
| Loan loss allowance to noncurrent loans | 81.3504% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 2,034 |
| Noncurrent loans to loans | 1.3404% | 1,753 |
| Net loans and leases to total assets | 76.3420% | 1,353 |
| Net loans and leases to deposits | 91.6590% | 1,437 |
| Net loans and leases to core deposits | 99.0622% | 1,588 |
| Total domestic deposits to total assets | 83.2892% | 3,744 |
| Equity capital to assets | 10.7048% | 3,130 |
| Core capital (leverage) ratio | 8.9269% | 4,971 |
| Tier 1 risk-based capital ratio | 12.2695% | 4,776 |
| Total risk-based capital ratio | 13.4625% | 4,720 |
| Memoranda: | ||
| Average total assets | $586,223,200 | 1,166 |
| Average earning assets | $531,864,400 | 1,184 |
| Average equity | $62,494,800 | 1,206 |
| Average total loans | $455,809,600 | 1,010 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 1,835 |
| Cost of funding earning assets | 0.4354% | 2,846 |
| Net interest margin | 3.9887% | 1,736 |
| Noninterest income to average assets | 0.8698% | 1,548 |
| Noninterest expense to average assets | 3.1395% | 2,117 |
| Loan and lease loss provision to assets | 0.0856% | 2,453 |
| Net operating income to assets | 0.9108% | 2,909 |
| Return on assets (ROA) | 0.9113% | 2,999 |
| Pretax return on assets | 1.2582% | 2,564 |
| Return on Equity (ROE) | 8.5575% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.8145% | 3,757 |
| Net charge-offs to loans | 0.0777% | 2,445 |
| Credit loss provision to net charge-offs | 141.5094% | 1,758 |
| Earnings coverage of net charge-offs (x) | 22.1965% | 1,791 |
| Efficiency ratio | 68.9929% | 3,378 |
| Assets per employee ($millions) | 4.4575% | 3,091 |
| Cash dividends to net income (ytd only)* | 55.4247% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 4,239 |
| Loan loss allowance to noncurrent loans | 83.3361% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 1,965 |
| Noncurrent loans to loans | 1.3173% | 1,937 |
| Net loans and leases to total assets | 76.8049% | 1,273 |
| Net loans and leases to deposits | 94.2188% | 1,179 |
| Net loans and leases to core deposits | 100.4398% | 1,476 |
| Total domestic deposits to total assets | 81.5176% | 4,319 |
| Equity capital to assets | 10.7446% | 3,310 |
| Core capital (leverage) ratio | 8.9192% | 5,092 |
| Tier 1 risk-based capital ratio | 12.1475% | 4,997 |
| Total risk-based capital ratio | 13.3456% | 4,939 |
| Memoranda: | ||
| Average total assets | $583,902,000 | 1,172 |
| Average earning assets | $528,875,500 | 1,198 |
| Average equity | $62,181,500 | 1,221 |
| Average total loans | $454,853,250 | 1,018 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 1,839 |
| Cost of funding earning assets | 0.4540% | 2,678 |
| Net interest margin | 3.9498% | 1,807 |
| Noninterest income to average assets | 0.8633% | 1,560 |
| Noninterest expense to average assets | 3.1974% | 1,992 |
| Loan and lease loss provision to assets | 0.1030% | 2,114 |
| Net operating income to assets | 0.8327% | 3,202 |
| Return on assets (ROA) | 0.8334% | 3,318 |
| Pretax return on assets | 1.1404% | 3,007 |
| Return on Equity (ROE) | 7.8499% | 3,142 |
| Retained earnings to average equity (ytd only) | 2.6425% | 4,373 |
| Net charge-offs to loans | 0.0489% | 2,731 |
| Credit loss provision to net charge-offs | 270.2703% | 994 |
| Earnings coverage of net charge-offs (x) | 32.5946% | 1,291 |
| Efficiency ratio | 70.9645% | 3,163 |
| Assets per employee ($millions) | 4.2352% | 3,405 |
| Cash dividends to net income (ytd only)* | 66.3370% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 4,286 |
| Loan loss allowance to noncurrent loans | 91.9675% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 2,193 |
| Noncurrent loans to loans | 1.2040% | 2,251 |
| Net loans and leases to total assets | 79.0041% | 939 |
| Net loans and leases to deposits | 99.8186% | 677 |
| Net loans and leases to core deposits | 107.2929% | 1,008 |
| Total domestic deposits to total assets | 79.1477% | 5,067 |
| Equity capital to assets | 10.7920% | 3,120 |
| Core capital (leverage) ratio | 8.8159% | 5,210 |
| Tier 1 risk-based capital ratio | 12.0268% | 5,128 |
| Total risk-based capital ratio | 13.2552% | 5,043 |
| Memoranda: | ||
| Average total assets | $582,407,330 | 1,179 |
| Average earning assets | $527,370,330 | 1,207 |
| Average equity | $61,835,330 | 1,231 |
| Average total loans | $454,162,670 | 1,020 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 1,710 |
| Cost of funding earning assets | 0.4724% | 2,539 |
| Net interest margin | 3.9447% | 1,729 |
| Noninterest income to average assets | 0.8285% | 1,606 |
| Noninterest expense to average assets | 3.2260% | 1,914 |
| Loan and lease loss provision to assets | 0.1025% | 1,986 |
| Net operating income to assets | 0.8354% | 3,082 |
| Return on assets (ROA) | 0.8354% | 3,208 |
| Pretax return on assets | 1.0765% | 3,187 |
| Return on Equity (ROE) | 7.9322% | 2,987 |
| Retained earnings to average equity (ytd only) | 3.4829% | 3,905 |
| Net charge-offs to loans | 0.0479% | 2,313 |
| Credit loss provision to net charge-offs | 277.7778% | 857 |
| Earnings coverage of net charge-offs (x) | 31.9630% | 1,112 |
| Efficiency ratio | 72.1817% | 3,140 |
| Assets per employee ($millions) | 4.3025% | 3,363 |
| Cash dividends to net income (ytd only)* | 56.0916% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 4,514 |
| Loan loss allowance to noncurrent loans | 95.0418% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 2,409 |
| Noncurrent loans to loans | 1.1590% | 2,449 |
| Net loans and leases to total assets | 76.7677% | 1,089 |
| Net loans and leases to deposits | 94.0196% | 983 |
| Net loans and leases to core deposits | 100.1150% | 1,312 |
| Total domestic deposits to total assets | 81.6508% | 4,624 |
| Equity capital to assets | 10.5971% | 3,430 |
| Core capital (leverage) ratio | 8.8224% | 5,176 |
| Tier 1 risk-based capital ratio | 12.2039% | 5,106 |
| Total risk-based capital ratio | 13.4356% | 5,026 |
| Memoranda: | ||
| Average total assets | $585,616,500 | 1,174 |
| Average earning assets | $530,946,500 | 1,205 |
| Average equity | $61,672,500 | 1,238 |
| Average total loans | $451,169,000 | 1,031 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,126 |
| Cost of funding earning assets | 0.5126% | 2,549 |
| Net interest margin | 3.9176% | 2,165 |
| Noninterest income to average assets | 0.8890% | 1,543 |
| Noninterest expense to average assets | 3.0833% | 2,581 |
| Loan and lease loss provision to assets | 0.0939% | 2,585 |
| Net operating income to assets | 0.9664% | 2,550 |
| Return on assets (ROA) | 0.9702% | 2,616 |
| Pretax return on assets | 1.2441% | 2,468 |
| Return on Equity (ROE) | 9.3379% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.6983% | 2,829 |
| Net charge-offs to loans | 0.1093% | 2,958 |
| Credit loss provision to net charge-offs | 110.4294% | 2,160 |
| Earnings coverage of net charge-offs (x) | 15.6769% | 2,067 |
| Efficiency ratio | 68.7392% | 3,761 |
| Assets per employee ($millions) | 4.2780% | 3,405 |
| Cash dividends to net income (ytd only)* | 49.6863% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,563 |
| Loan loss allowance to noncurrent loans | 92.9343% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 2,526 |
| Noncurrent loans to loans | 1.1780% | 2,478 |
| Net loans and leases to total assets | 75.6246% | 1,326 |
| Net loans and leases to deposits | 89.8134% | 1,535 |
| Net loans and leases to core deposits | 95.7583% | 1,746 |
| Total domestic deposits to total assets | 84.2019% | 3,627 |
| Equity capital to assets | 10.4655% | 3,527 |
| Core capital (leverage) ratio | 8.6088% | 5,436 |
| Tier 1 risk-based capital ratio | 12.2967% | 5,159 |
| Total risk-based capital ratio | 13.5401% | 5,081 |
| Memoranda: | ||
| Average total assets | $575,039,000 | 1,149 |
| Average earning assets | $517,768,400 | 1,182 |
| Average equity | $59,745,600 | 1,226 |
| Average total loans | $447,547,200 | 984 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 2,062 |
| Cost of funding earning assets | 0.5264% | 2,499 |
| Net interest margin | 3.9191% | 2,160 |
| Noninterest income to average assets | 0.9007% | 1,518 |
| Noninterest expense to average assets | 3.1136% | 2,433 |
| Loan and lease loss provision to assets | 0.0944% | 2,479 |
| Net operating income to assets | 0.9476% | 2,696 |
| Return on assets (ROA) | 0.9527% | 2,755 |
| Pretax return on assets | 1.2225% | 2,689 |
| Return on Equity (ROE) | 9.1863% | 2,588 |
| Retained earnings to average equity (ytd only) | 4.2798% | 3,603 |
| Net charge-offs to loans | 0.1115% | 2,683 |
| Credit loss provision to net charge-offs | 108.2888% | 2,062 |
| Earnings coverage of net charge-offs (x) | 15.0376% | 2,086 |
| Efficiency ratio | 69.3017% | 3,628 |
| Assets per employee ($millions) | 4.0832% | 3,700 |
| Cash dividends to net income (ytd only)* | 53.4117% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 4,752 |
| Loan loss allowance to noncurrent loans | 87.2656% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 2,607 |
| Noncurrent loans to loans | 1.2593% | 2,538 |
| Net loans and leases to total assets | 76.9212% | 1,102 |
| Net loans and leases to deposits | 92.5738% | 1,175 |
| Net loans and leases to core deposits | 99.0273% | 1,447 |
| Total domestic deposits to total assets | 83.0918% | 4,107 |
| Equity capital to assets | 10.5593% | 3,488 |
| Core capital (leverage) ratio | 8.4618% | 5,693 |
| Tier 1 risk-based capital ratio | 12.0674% | 5,442 |
| Total risk-based capital ratio | 13.3072% | 5,367 |
| Memoranda: | ||
| Average total assets | $572,276,250 | 1,161 |
| Average earning assets | $514,457,250 | 1,196 |
| Average equity | $59,347,750 | 1,244 |
| Average total loans | $447,400,500 | 990 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 2,145 |
| Cost of funding earning assets | 0.5335% | 2,509 |
| Net interest margin | 3.8768% | 2,268 |
| Noninterest income to average assets | 0.9178% | 1,438 |
| Noninterest expense to average assets | 3.1526% | 2,325 |
| Loan and lease loss provision to assets | 0.0943% | 2,452 |
| Net operating income to assets | 0.9022% | 2,785 |
| Return on assets (ROA) | 0.9083% | 2,865 |
| Pretax return on assets | 1.1567% | 2,846 |
| Return on Equity (ROE) | 8.8121% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.4028% | 4,038 |
| Net charge-offs to loans | 0.1106% | 2,559 |
| Credit loss provision to net charge-offs | 108.8710% | 1,842 |
| Earnings coverage of net charge-offs (x) | 14.3508% | 1,913 |
| Efficiency ratio | 70.6350% | 3,547 |
| Assets per employee ($millions) | 3.9839% | 3,873 |
| Cash dividends to net income (ytd only)* | 61.3846% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,985 |
| Loan loss allowance to noncurrent loans | 83.7541% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1999% | 2,692 |
| Noncurrent loans to loans | 1.2896% | 2,650 |
| Net loans and leases to total assets | 79.5177% | 739 |
| Net loans and leases to deposits | 97.9899% | 669 |
| Net loans and leases to core deposits | 106.9435% | 836 |
| Total domestic deposits to total assets | 81.1490% | 4,931 |
| Equity capital to assets | 10.6015% | 3,308 |
| Core capital (leverage) ratio | 8.3575% | 5,791 |
| Tier 1 risk-based capital ratio | 11.7740% | 5,650 |
| Total risk-based capital ratio | 13.0065% | 5,602 |
| Memoranda: | ||
| Average total assets | $572,486,000 | 1,154 |
| Average earning assets | $513,617,670 | 1,193 |
| Average equity | $59,009,670 | 1,239 |
| Average total loans | $448,332,670 | 980 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,451 |
| Cost of funding earning assets | 0.5323% | 2,577 |
| Net interest margin | 3.7870% | 2,520 |
| Noninterest income to average assets | 0.9075% | 1,366 |
| Noninterest expense to average assets | 3.2104% | 2,199 |
| Loan and lease loss provision to assets | 0.0934% | 2,360 |
| Net operating income to assets | 0.8196% | 3,057 |
| Return on assets (ROA) | 0.8196% | 3,128 |
| Pretax return on assets | 1.0113% | 3,281 |
| Return on Equity (ROE) | 8.0629% | 2,893 |
| Retained earnings to average equity (ytd only) | 3.1053% | 4,257 |
| Net charge-offs to loans | 0.1361% | 1,895 |
| Credit loss provision to net charge-offs | 88.8158% | 1,813 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,854 |
| Efficiency ratio | 73.3077% | 3,259 |
| Assets per employee ($millions) | 4.1034% | 3,712 |
| Cash dividends to net income (ytd only)* | 61.4865% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,255 |
| Loan loss allowance to noncurrent loans | 98.1140% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 3,278 |
| Noncurrent loans to loans | 1.0885% | 3,240 |
| Net loans and leases to total assets | 76.9182% | 892 |
| Net loans and leases to deposits | 92.7375% | 898 |
| Net loans and leases to core deposits | 101.1284% | 1,027 |
| Total domestic deposits to total assets | 82.9418% | 4,623 |
| Equity capital to assets | 10.1233% | 3,693 |
| Core capital (leverage) ratio | 8.3350% | 5,816 |
| Tier 1 risk-based capital ratio | 11.5241% | 5,902 |
| Total risk-based capital ratio | 12.7365% | 5,867 |
| Memoranda: | ||
| Average total assets | $577,864,000 | 1,155 |
| Average earning assets | $519,995,000 | 1,180 |
| Average equity | $58,738,500 | 1,242 |
| Average total loans | $446,723,000 | 984 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 2,295 |
| Cost of funding earning assets | 0.6000% | 2,656 |
| Net interest margin | 3.8781% | 2,379 |
| Noninterest income to average assets | 1.0614% | 1,249 |
| Noninterest expense to average assets | 3.1865% | 2,457 |
| Loan and lease loss provision to assets | 0.1186% | 2,831 |
| Net operating income to assets | 0.9819% | 2,413 |
| Return on assets (ROA) | 0.9810% | 2,485 |
| Pretax return on assets | 1.2229% | 2,489 |
| Return on Equity (ROE) | 9.7484% | 2,218 |
| Retained earnings to average equity (ytd only) | 5.3789% | 2,365 |
| Net charge-offs to loans | 0.0297% | 4,834 |
| Credit loss provision to net charge-offs | 527.5591% | 447 |
| Earnings coverage of net charge-offs (x) | 59.7402% | 689 |
| Efficiency ratio | 69.2897% | 3,961 |
| Assets per employee ($millions) | 4.0641% | 3,726 |
| Cash dividends to net income (ytd only)* | 44.8232% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,135 |
| Loan loss allowance to noncurrent loans | 86.1274% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1767% | 3,046 |
| Noncurrent loans to loans | 1.2799% | 2,995 |
| Net loans and leases to total assets | 76.0087% | 1,075 |
| Net loans and leases to deposits | 90.3729% | 1,198 |
| Net loans and leases to core deposits | 96.2772% | 1,429 |
| Total domestic deposits to total assets | 84.1056% | 4,121 |
| Equity capital to assets | 10.2069% | 3,497 |
| Core capital (leverage) ratio | 8.1965% | 5,978 |
| Tier 1 risk-based capital ratio | 11.7191% | 5,793 |
| Total risk-based capital ratio | 12.9691% | 5,725 |
| Memoranda: | ||
| Average total assets | $565,110,600 | 1,171 |
| Average earning assets | $505,297,200 | 1,206 |
| Average equity | $56,870,800 | 1,264 |
| Average total loans | $427,408,400 | 1,005 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 2,234 |
| Cost of funding earning assets | 0.6197% | 2,649 |
| Net interest margin | 3.8788% | 2,347 |
| Noninterest income to average assets | 1.0522% | 1,319 |
| Noninterest expense to average assets | 3.2316% | 2,262 |
| Loan and lease loss provision to assets | 0.1099% | 2,934 |
| Net operating income to assets | 0.9461% | 2,616 |
| Return on assets (ROA) | 0.9449% | 2,727 |
| Pretax return on assets | 1.1727% | 2,805 |
| Return on Equity (ROE) | 9.4237% | 2,433 |
| Retained earnings to average equity (ytd only) | 4.5974% | 3,399 |
| Net charge-offs to loans | -0.0072% | 5,831 |
| Credit loss provision to net charge-offs | -2,017.3913% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4908% | 3,675 |
| Assets per employee ($millions) | 3.9685% | 3,896 |
| Cash dividends to net income (ytd only)* | 51.2153% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,295 |
| Loan loss allowance to noncurrent loans | 89.3502% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 3,350 |
| Noncurrent loans to loans | 1.2390% | 3,332 |
| Net loans and leases to total assets | 76.0736% | 996 |
| Net loans and leases to deposits | 90.9809% | 1,067 |
| Net loans and leases to core deposits | 96.4035% | 1,356 |
| Total domestic deposits to total assets | 83.6149% | 4,342 |
| Equity capital to assets | 10.1907% | 3,656 |
| Core capital (leverage) ratio | 8.1594% | 6,100 |
| Tier 1 risk-based capital ratio | 11.5578% | 6,028 |
| Total risk-based capital ratio | 12.8080% | 6,000 |
| Memoranda: | ||
| Average total assets | $563,127,000 | 1,190 |
| Average earning assets | $502,826,750 | 1,223 |
| Average equity | $56,466,000 | 1,275 |
| Average total loans | $424,155,750 | 1,012 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 2,115 |
| Cost of funding earning assets | 0.6447% | 2,544 |
| Net interest margin | 3.8762% | 2,287 |
| Noninterest income to average assets | 1.0298% | 1,438 |
| Noninterest expense to average assets | 3.2871% | 2,107 |
| Loan and lease loss provision to assets | 0.1158% | 2,875 |
| Net operating income to assets | 0.8956% | 2,822 |
| Return on assets (ROA) | 0.8956% | 2,965 |
| Pretax return on assets | 1.0870% | 3,148 |
| Return on Equity (ROE) | 8.9802% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.1179% | 3,671 |
| Net charge-offs to loans | 0.0551% | 3,910 |
| Credit loss provision to net charge-offs | 281.0345% | 913 |
| Earnings coverage of net charge-offs (x) | 29.1897% | 1,167 |
| Efficiency ratio | 72.1339% | 3,444 |
| Assets per employee ($millions) | 3.7954% | 4,219 |
| Cash dividends to net income (ytd only)* | 54.1452% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 5,571 |
| Loan loss allowance to noncurrent loans | 104.5549% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 3,408 |
| Noncurrent loans to loans | 1.0151% | 3,906 |
| Net loans and leases to total assets | 76.0716% | 980 |
| Net loans and leases to deposits | 94.7040% | 763 |
| Net loans and leases to core deposits | 101.8341% | 951 |
| Total domestic deposits to total assets | 80.3257% | 5,533 |
| Equity capital to assets | 10.2134% | 3,647 |
| Core capital (leverage) ratio | 7.9168% | 6,241 |
| Tier 1 risk-based capital ratio | 11.5239% | 6,099 |
| Total risk-based capital ratio | 12.7275% | 6,085 |
| Memoranda: | ||
| Average total assets | $562,994,670 | 1,191 |
| Average earning assets | $502,556,000 | 1,224 |
| Average equity | $56,145,670 | 1,285 |
| Average total loans | $421,043,670 | 1,014 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 2,620 |
| Cost of funding earning assets | 0.6550% | 2,611 |
| Net interest margin | 3.7162% | 2,790 |
| Noninterest income to average assets | 0.9714% | 1,549 |
| Noninterest expense to average assets | 3.1948% | 2,370 |
| Loan and lease loss provision to assets | 0.1452% | 2,426 |
| Net operating income to assets | 0.8121% | 3,092 |
| Return on assets (ROA) | 0.8121% | 3,230 |
| Pretax return on assets | 0.9629% | 3,512 |
| Return on Equity (ROE) | 8.2403% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.9842% | 3,841 |
| Net charge-offs to loans | 0.0239% | 3,705 |
| Credit loss provision to net charge-offs | 824.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 62.8800% | 569 |
| Efficiency ratio | 73.1324% | 3,422 |
| Assets per employee ($millions) | 3.9432% | 4,076 |
| Cash dividends to net income (ytd only)* | 51.6493% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 5,704 |
| Loan loss allowance to noncurrent loans | 84.3597% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 3,715 |
| Noncurrent loans to loans | 1.2710% | 3,650 |
| Net loans and leases to total assets | 74.0317% | 1,072 |
| Net loans and leases to deposits | 89.1739% | 1,032 |
| Net loans and leases to core deposits | 94.7497% | 1,292 |
| Total domestic deposits to total assets | 83.0195% | 4,848 |
| Equity capital to assets | 10.0352% | 4,105 |
| Core capital (leverage) ratio | 7.8039% | 6,282 |
| Tier 1 risk-based capital ratio | 11.4346% | 6,220 |
| Total risk-based capital ratio | 12.6394% | 6,218 |
| Memoranda: | ||
| Average total assets | $567,425,500 | 1,195 |
| Average earning assets | $508,698,500 | 1,225 |
| Average equity | $55,920,500 | 1,307 |
| Average total loans | $418,535,500 | 1,021 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 3,173 |
| Cost of funding earning assets | 0.7815% | 2,817 |
| Net interest margin | 3.7774% | 3,329 |
| Noninterest income to average assets | 1.0454% | 1,421 |
| Noninterest expense to average assets | 3.3118% | 2,297 |
| Loan and lease loss provision to assets | 0.1786% | 3,395 |
| Net operating income to assets | 0.8780% | 2,918 |
| Return on assets (ROA) | 0.9375% | 2,859 |
| Pretax return on assets | 0.9906% | 3,576 |
| Return on Equity (ROE) | 9.6286% | 2,347 |
| Retained earnings to average equity (ytd only) | 4.3768% | 3,146 |
| Net charge-offs to loans | 0.1422% | 4,271 |
| Credit loss provision to net charge-offs | 173.9130% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.7739% | 2,106 |
| Efficiency ratio | 73.5780% | 3,138 |
| Assets per employee ($millions) | 4.1065% | 3,722 |
| Cash dividends to net income (ytd only)* | 54.5437% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 5,847 |
| Loan loss allowance to noncurrent loans | 83.9564% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 3,862 |
| Noncurrent loans to loans | 1.2286% | 3,794 |
| Net loans and leases to total assets | 71.9647% | 1,495 |
| Net loans and leases to deposits | 86.9679% | 1,391 |
| Net loans and leases to core deposits | 91.6142% | 1,664 |
| Total domestic deposits to total assets | 82.7486% | 4,822 |
| Equity capital to assets | 9.6797% | 4,621 |
| Core capital (leverage) ratio | 7.5828% | 6,456 |
| Tier 1 risk-based capital ratio | 11.2800% | 6,225 |
| Total risk-based capital ratio | 12.4378% | 6,239 |
| Memoranda: | ||
| Average total assets | $559,879,200 | 1,187 |
| Average earning assets | $499,921,600 | 1,217 |
| Average equity | $54,514,800 | 1,311 |
| Average total loans | $404,412,800 | 1,031 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 3,373 |
| Cost of funding earning assets | 0.8108% | 2,858 |
| Net interest margin | 3.7517% | 3,541 |
| Noninterest income to average assets | 1.0264% | 1,435 |
| Noninterest expense to average assets | 3.2517% | 2,418 |
| Loan and lease loss provision to assets | 0.1798% | 3,340 |
| Net operating income to assets | 0.9011% | 2,979 |
| Return on assets (ROA) | 0.9336% | 3,043 |
| Pretax return on assets | 0.9767% | 3,800 |
| Return on Equity (ROE) | 9.5736% | 2,554 |
| Retained earnings to average equity (ytd only) | 5.7014% | 2,896 |
| Net charge-offs to loans | 0.1736% | 3,715 |
| Credit loss provision to net charge-offs | 143.6782% | 1,997 |
| Earnings coverage of net charge-offs (x) | 8.9713% | 2,377 |
| Efficiency ratio | 72.9311% | 3,157 |
| Assets per employee ($millions) | 3.9251% | 4,023 |
| Cash dividends to net income (ytd only)* | 40.4469% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,058 |
| Loan loss allowance to noncurrent loans | 71.1077% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 3,822 |
| Noncurrent loans to loans | 1.4142% | 3,681 |
| Net loans and leases to total assets | 72.1690% | 1,523 |
| Net loans and leases to deposits | 88.5946% | 1,285 |
| Net loans and leases to core deposits | 93.3321% | 1,645 |
| Total domestic deposits to total assets | 81.4598% | 5,203 |
| Equity capital to assets | 9.9263% | 4,608 |
| Core capital (leverage) ratio | 7.7290% | 6,508 |
| Tier 1 risk-based capital ratio | 11.3089% | 6,350 |
| Total risk-based capital ratio | 12.4195% | 6,380 |
| Memoranda: | ||
| Average total assets | $556,120,500 | 1,211 |
| Average earning assets | $496,291,250 | 1,239 |
| Average equity | $54,231,000 | 1,325 |
| Average total loans | $401,004,250 | 1,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 3,626 |
| Cost of funding earning assets | 0.8186% | 3,046 |
| Net interest margin | 3.7165% | 3,742 |
| Noninterest income to average assets | 1.0271% | 1,386 |
| Noninterest expense to average assets | 3.2760% | 2,370 |
| Loan and lease loss provision to assets | 0.1804% | 3,295 |
| Net operating income to assets | 0.8590% | 3,095 |
| Return on assets (ROA) | 0.8734% | 3,287 |
| Pretax return on assets | 0.8990% | 4,081 |
| Return on Equity (ROE) | 9.0107% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.1487% | 4,528 |
| Net charge-offs to loans | 0.2315% | 3,181 |
| Credit loss provision to net charge-offs | 108.4599% | 2,511 |
| Earnings coverage of net charge-offs (x) | 6.4013% | 2,642 |
| Efficiency ratio | 74.0608% | 3,065 |
| Assets per employee ($millions) | 3.8927% | 4,095 |
| Cash dividends to net income (ytd only)* | 65.0558% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,287 |
| Loan loss allowance to noncurrent loans | 51.4615% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5629% | 3,361 |
| Noncurrent loans to loans | 1.8687% | 3,121 |
| Net loans and leases to total assets | 73.1470% | 1,372 |
| Net loans and leases to deposits | 93.4370% | 819 |
| Net loans and leases to core deposits | 99.7186% | 1,117 |
| Total domestic deposits to total assets | 78.2848% | 6,101 |
| Equity capital to assets | 9.8159% | 4,599 |
| Core capital (leverage) ratio | 7.5479% | 6,604 |
| Tier 1 risk-based capital ratio | 10.9316% | 6,530 |
| Total risk-based capital ratio | 12.0032% | 6,583 |
| Memoranda: | ||
| Average total assets | $554,395,670 | 1,223 |
| Average earning assets | $494,277,330 | 1,247 |
| Average equity | $53,736,000 | 1,328 |
| Average total loans | $398,273,670 | 1,062 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 3,943 |
| Cost of funding earning assets | 0.8265% | 3,264 |
| Net interest margin | 3.6659% | 3,979 |
| Noninterest income to average assets | 0.9762% | 1,497 |
| Noninterest expense to average assets | 3.2348% | 2,489 |
| Loan and lease loss provision to assets | 0.1801% | 3,172 |
| Net operating income to assets | 0.8357% | 3,215 |
| Return on assets (ROA) | 0.8357% | 3,453 |
| Pretax return on assets | 0.8429% | 4,257 |
| Return on Equity (ROE) | 8.6770% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.4409% | 4,512 |
| Net charge-offs to loans | 0.1882% | 2,973 |
| Credit loss provision to net charge-offs | 135.1351% | 1,819 |
| Earnings coverage of net charge-offs (x) | 7.6757% | 2,051 |
| Efficiency ratio | 74.5347% | 3,018 |
| Assets per employee ($millions) | 3.9043% | 4,192 |
| Cash dividends to net income (ytd only)* | 60.3448% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,277 |
| Loan loss allowance to noncurrent loans | 44.0875% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 3,386 |
| Noncurrent loans to loans | 2.2529% | 2,858 |
| Net loans and leases to total assets | 70.5568% | 1,655 |
| Net loans and leases to deposits | 86.6670% | 1,331 |
| Net loans and leases to core deposits | 93.8101% | 1,481 |
| Total domestic deposits to total assets | 81.4113% | 5,493 |
| Equity capital to assets | 9.6221% | 4,623 |
| Core capital (leverage) ratio | 7.4798% | 6,646 |
| Tier 1 risk-based capital ratio | 10.6214% | 6,704 |
| Total risk-based capital ratio | 11.6774% | 6,753 |
| Memoranda: | ||
| Average total assets | $555,210,500 | 1,223 |
| Average earning assets | $497,016,500 | 1,237 |
| Average equity | $53,474,500 | 1,326 |
| Average total loans | $393,281,500 | 1,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 4,172 |
| Cost of funding earning assets | 0.9601% | 3,645 |
| Net interest margin | 3.7583% | 4,035 |
| Noninterest income to average assets | 0.9650% | 1,461 |
| Noninterest expense to average assets | 3.2027% | 2,853 |
| Loan and lease loss provision to assets | 0.1857% | 4,334 |
| Net operating income to assets | 0.8159% | 2,971 |
| Return on assets (ROA) | 0.8159% | 3,135 |
| Pretax return on assets | 0.9368% | 3,484 |
| Return on Equity (ROE) | 8.4039% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.3153% | 3,866 |
| Net charge-offs to loans | 0.2154% | 4,440 |
| Credit loss provision to net charge-offs | 118.9061% | 2,692 |
| Earnings coverage of net charge-offs (x) | 7.1867% | 2,382 |
| Efficiency ratio | 72.2186% | 3,525 |
| Assets per employee ($millions) | 3.7558% | 4,419 |
| Cash dividends to net income (ytd only)* | 60.5509% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,217 |
| Loan loss allowance to noncurrent loans | 42.2730% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 3,426 |
| Noncurrent loans to loans | 2.3657% | 2,768 |
| Net loans and leases to total assets | 69.6958% | 2,091 |
| Net loans and leases to deposits | 84.6459% | 1,846 |
| Net loans and leases to core deposits | 88.7786% | 2,283 |
| Total domestic deposits to total assets | 82.3380% | 5,013 |
| Equity capital to assets | 9.6408% | 4,686 |
| Core capital (leverage) ratio | 7.6280% | 6,582 |
| Tier 1 risk-based capital ratio | 11.3069% | 6,287 |
| Total risk-based capital ratio | 12.3724% | 6,373 |
| Memoranda: | ||
| Average total assets | $538,449,800 | 1,235 |
| Average earning assets | $481,408,400 | 1,272 |
| Average equity | $52,273,400 | 1,302 |
| Average total loans | $390,483,400 | 1,094 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 4,192 |
| Cost of funding earning assets | 0.9885% | 3,760 |
| Net interest margin | 3.7705% | 4,013 |
| Noninterest income to average assets | 0.9587% | 1,455 |
| Noninterest expense to average assets | 3.1763% | 2,897 |
| Loan and lease loss provision to assets | 0.1777% | 4,257 |
| Net operating income to assets | 0.8124% | 3,091 |
| Return on assets (ROA) | 0.8124% | 3,259 |
| Pretax return on assets | 0.9764% | 3,490 |
| Return on Equity (ROE) | 8.3531% | 2,896 |
| Retained earnings to average equity (ytd only) | 2.6136% | 4,797 |
| Net charge-offs to loans | 0.2063% | 4,148 |
| Credit loss provision to net charge-offs | 117.8512% | 2,769 |
| Earnings coverage of net charge-offs (x) | 7.6545% | 2,322 |
| Efficiency ratio | 71.5083% | 3,651 |
| Assets per employee ($millions) | 3.8195% | 4,263 |
| Cash dividends to net income (ytd only)* | 68.7116% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 6,349 |
| Loan loss allowance to noncurrent loans | 46.7748% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 3,879 |
| Noncurrent loans to loans | 2.0978% | 3,247 |
| Net loans and leases to total assets | 70.3808% | 2,000 |
| Net loans and leases to deposits | 85.7018% | 1,718 |
| Net loans and leases to core deposits | 89.5270% | 2,309 |
| Total domestic deposits to total assets | 82.1228% | 5,046 |
| Equity capital to assets | 9.5543% | 5,003 |
| Core capital (leverage) ratio | 7.7821% | 6,582 |
| Tier 1 risk-based capital ratio | 11.2704% | 6,386 |
| Total risk-based capital ratio | 12.3424% | 6,468 |
| Memoranda: | ||
| Average total assets | $535,036,750 | 1,245 |
| Average earning assets | $478,435,750 | 1,280 |
| Average equity | $52,035,000 | 1,307 |
| Average total loans | $390,934,500 | 1,099 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 4,041 |
| Cost of funding earning assets | 1.0324% | 3,726 |
| Net interest margin | 3.7807% | 3,890 |
| Noninterest income to average assets | 1.0309% | 1,248 |
| Noninterest expense to average assets | 3.2269% | 2,814 |
| Loan and lease loss provision to assets | 0.1604% | 4,317 |
| Net operating income to assets | 0.8471% | 2,871 |
| Return on assets (ROA) | 0.8471% | 2,968 |
| Pretax return on assets | 1.0233% | 3,145 |
| Return on Equity (ROE) | 8.6574% | 2,654 |
| Retained earnings to average equity (ytd only) | 2.8537% | 4,468 |
| Net charge-offs to loans | 0.1545% | 4,254 |
| Credit loss provision to net charge-offs | 140.7285% | 2,165 |
| Earnings coverage of net charge-offs (x) | 10.3874% | 1,817 |
| Efficiency ratio | 71.3406% | 3,871 |
| Assets per employee ($millions) | 3.4876% | 4,972 |
| Cash dividends to net income (ytd only)* | 67.0379% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,422 |
| Loan loss allowance to noncurrent loans | 63.9276% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 4,490 |
| Noncurrent loans to loans | 1.5309% | 4,122 |
| Net loans and leases to total assets | 75.9991% | 1,071 |
| Net loans and leases to deposits | 93.3295% | 919 |
| Net loans and leases to core deposits | 98.0137% | 1,504 |
| Total domestic deposits to total assets | 81.4309% | 5,376 |
| Equity capital to assets | 10.2032% | 3,875 |
| Core capital (leverage) ratio | 7.8343% | 6,477 |
| Tier 1 risk-based capital ratio | 11.2099% | 6,377 |
| Total risk-based capital ratio | 12.3004% | 6,471 |
| Memoranda: | ||
| Average total assets | $530,044,330 | 1,263 |
| Average earning assets | $473,826,670 | 1,300 |
| Average equity | $51,863,330 | 1,294 |
| Average total loans | $390,932,670 | 1,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 4,544 |
| Cost of funding earning assets | 1.0494% | 3,854 |
| Net interest margin | 3.6470% | 4,342 |
| Noninterest income to average assets | 1.0840% | 1,120 |
| Noninterest expense to average assets | 3.1831% | 2,952 |
| Loan and lease loss provision to assets | 0.1396% | 4,264 |
| Net operating income to assets | 0.8487% | 2,784 |
| Return on assets (ROA) | 0.8487% | 2,842 |
| Pretax return on assets | 1.0306% | 3,020 |
| Return on Equity (ROE) | 8.8536% | 2,531 |
| Retained earnings to average equity (ytd only) | 3.1603% | 4,281 |
| Net charge-offs to loans | 0.2115% | 3,248 |
| Credit loss provision to net charge-offs | 91.2621% | 2,919 |
| Earnings coverage of net charge-offs (x) | 7.6505% | 1,920 |
| Efficiency ratio | 71.2946% | 3,989 |
| Assets per employee ($millions) | 3.6714% | 4,604 |
| Cash dividends to net income (ytd only)* | 64.3045% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 6,525 |
| Loan loss allowance to noncurrent loans | 73.3491% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,733 |
| Noncurrent loans to loans | 1.3038% | 4,521 |
| Net loans and leases to total assets | 72.1795% | 1,683 |
| Net loans and leases to deposits | 87.7004% | 1,496 |
| Net loans and leases to core deposits | 91.8124% | 2,152 |
| Total domestic deposits to total assets | 82.3024% | 5,190 |
| Equity capital to assets | 9.7385% | 4,125 |
| Core capital (leverage) ratio | 7.6913% | 6,564 |
| Tier 1 risk-based capital ratio | 11.2425% | 6,313 |
| Total risk-based capital ratio | 12.2998% | 6,458 |
| Memoranda: | ||
| Average total assets | $538,726,500 | 1,249 |
| Average earning assets | $482,924,000 | 1,278 |
| Average equity | $51,640,000 | 1,292 |
| Average total loans | $389,657,500 | 1,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 3,814 |
| Cost of funding earning assets | 1.2108% | 4,494 |
| Net interest margin | 3.9467% | 3,272 |
| Noninterest income to average assets | 1.0913% | 1,253 |
| Noninterest expense to average assets | 3.2780% | 2,803 |
| Loan and lease loss provision to assets | 0.1971% | 5,264 |
| Net operating income to assets | 0.9309% | 2,273 |
| Return on assets (ROA) | 0.9309% | 2,404 |
| Pretax return on assets | 1.1242% | 2,485 |
| Return on Equity (ROE) | 9.5908% | 2,080 |
| Retained earnings to average equity (ytd only) | 4.5459% | 2,691 |
| Net charge-offs to loans | 0.1914% | 5,154 |
| Credit loss provision to net charge-offs | 137.4324% | 2,773 |
| Earnings coverage of net charge-offs (x) | 9.2149% | 1,849 |
| Efficiency ratio | 69.0260% | 4,371 |
| Assets per employee ($millions) | 3.7854% | 4,291 |
| Cash dividends to net income (ytd only)* | 52.6020% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 6,566 |
| Loan loss allowance to noncurrent loans | 64.4537% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 4,463 |
| Noncurrent loans to loans | 1.4779% | 4,267 |
| Net loans and leases to total assets | 71.1112% | 2,279 |
| Net loans and leases to deposits | 88.4364% | 1,732 |
| Net loans and leases to core deposits | 92.4055% | 2,449 |
| Total domestic deposits to total assets | 80.4094% | 5,719 |
| Equity capital to assets | 9.4362% | 4,493 |
| Core capital (leverage) ratio | 7.4226% | 6,765 |
| Tier 1 risk-based capital ratio | 11.1421% | 6,219 |
| Total risk-based capital ratio | 12.1981% | 6,338 |
| Memoranda: | ||
| Average total assets | $516,080,200 | 1,297 |
| Average earning assets | $458,714,200 | 1,334 |
| Average equity | $50,089,600 | 1,336 |
| Average total loans | $386,619,000 | 1,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 3,643 |
| Cost of funding earning assets | 1.2432% | 4,610 |
| Net interest margin | 3.9956% | 3,123 |
| Noninterest income to average assets | 0.9533% | 1,609 |
| Noninterest expense to average assets | 3.3176% | 2,522 |
| Loan and lease loss provision to assets | 0.2248% | 4,815 |
| Net operating income to assets | 0.8196% | 2,919 |
| Return on assets (ROA) | 0.8196% | 3,064 |
| Pretax return on assets | 0.9515% | 3,361 |
| Return on Equity (ROE) | 8.3826% | 2,754 |
| Retained earnings to average equity (ytd only) | 2.6611% | 4,557 |
| Net charge-offs to loans | 0.2086% | 4,694 |
| Credit loss provision to net charge-offs | 142.2886% | 2,776 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,329 |
| Efficiency ratio | 71.4985% | 3,799 |
| Assets per employee ($millions) | 3.6040% | 4,721 |
| Cash dividends to net income (ytd only)* | 68.2546% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 6,565 |
| Loan loss allowance to noncurrent loans | 67.8134% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 4,668 |
| Noncurrent loans to loans | 1.4015% | 4,516 |
| Net loans and leases to total assets | 73.4022% | 1,931 |
| Net loans and leases to deposits | 91.9328% | 1,459 |
| Net loans and leases to core deposits | 95.1198% | 2,368 |
| Total domestic deposits to total assets | 79.8433% | 5,759 |
| Equity capital to assets | 9.5340% | 4,789 |
| Core capital (leverage) ratio | 7.5536% | 6,812 |
| Tier 1 risk-based capital ratio | 10.7361% | 6,610 |
| Total risk-based capital ratio | 11.7853% | 6,738 |
| Memoranda: | ||
| Average total assets | $508,824,250 | 1,323 |
| Average earning assets | $450,880,000 | 1,375 |
| Average equity | $49,752,750 | 1,351 |
| Average total loans | $385,434,250 | 1,183 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 3,495 |
| Cost of funding earning assets | 1.2767% | 4,673 |
| Net interest margin | 4.0189% | 2,926 |
| Noninterest income to average assets | 0.9614% | 1,477 |
| Noninterest expense to average assets | 3.3564% | 2,388 |
| Loan and lease loss provision to assets | 0.1690% | 5,187 |
| Net operating income to assets | 0.8429% | 2,762 |
| Return on assets (ROA) | 0.8429% | 2,920 |
| Pretax return on assets | 0.9880% | 3,161 |
| Return on Equity (ROE) | 8.5458% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.0434% | 4,172 |
| Net charge-offs to loans | 0.2276% | 4,237 |
| Credit loss provision to net charge-offs | 97.2540% | 4,202 |
| Earnings coverage of net charge-offs (x) | 6.6590% | 2,422 |
| Efficiency ratio | 72.0226% | 3,812 |
| Assets per employee ($millions) | 3.3587% | 5,293 |
| Cash dividends to net income (ytd only)* | 64.3868% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,788 |
| Loan loss allowance to noncurrent loans | 60.3333% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 4,442 |
| Noncurrent loans to loans | 1.4779% | 4,487 |
| Net loans and leases to total assets | 76.8972% | 1,311 |
| Net loans and leases to deposits | 98.9398% | 798 |
| Net loans and leases to core deposits | 101.9989% | 1,828 |
| Total domestic deposits to total assets | 77.7212% | 6,332 |
| Equity capital to assets | 10.0453% | 3,962 |
| Core capital (leverage) ratio | 7.5471% | 6,786 |
| Tier 1 risk-based capital ratio | 10.8393% | 6,411 |
| Total risk-based capital ratio | 11.8328% | 6,621 |
| Memoranda: | ||
| Average total assets | $503,038,330 | 1,351 |
| Average earning assets | $444,598,000 | 1,392 |
| Average equity | $49,615,000 | 1,349 |
| Average total loans | $383,934,000 | 1,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 3,843 |
| Cost of funding earning assets | 1.2471% | 5,125 |
| Net interest margin | 3.9907% | 2,910 |
| Noninterest income to average assets | 0.9731% | 1,381 |
| Noninterest expense to average assets | 3.3145% | 2,480 |
| Loan and lease loss provision to assets | 0.0988% | 5,649 |
| Net operating income to assets | 0.9154% | 2,487 |
| Return on assets (ROA) | 0.9154% | 2,554 |
| Pretax return on assets | 1.1012% | 2,726 |
| Return on Equity (ROE) | 9.3660% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.2705% | 3,585 |
| Net charge-offs to loans | 0.0313% | 5,136 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 572 |
| Efficiency ratio | 71.0909% | 4,105 |
| Assets per employee ($millions) | 3.4065% | 5,271 |
| Cash dividends to net income (ytd only)* | 54.4041% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,763 |
| Loan loss allowance to noncurrent loans | 58.4281% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 4,514 |
| Noncurrent loans to loans | 1.5804% | 4,371 |
| Net loans and leases to total assets | 74.9578% | 1,750 |
| Net loans and leases to deposits | 95.0131% | 1,233 |
| Net loans and leases to core deposits | 97.9381% | 2,348 |
| Total domestic deposits to total assets | 78.8920% | 6,100 |
| Equity capital to assets | 9.7947% | 4,115 |
| Core capital (leverage) ratio | 7.6028% | 6,732 |
| Tier 1 risk-based capital ratio | 10.7187% | 6,422 |
| Total risk-based capital ratio | 11.7396% | 6,630 |
| Memoranda: | ||
| Average total assets | $506,014,000 | 1,374 |
| Average earning assets | $449,048,500 | 1,413 |
| Average equity | $49,455,500 | 1,354 |
| Average total loans | $383,058,500 | 1,238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 3,907 |
| Cost of funding earning assets | 1.5445% | 5,313 |
| Net interest margin | 3.9997% | 2,869 |
| Noninterest income to average assets | 1.0563% | 1,385 |
| Noninterest expense to average assets | 3.6052% | 2,127 |
| Loan and lease loss provision to assets | 0.1275% | 6,364 |
| Net operating income to assets | 0.8466% | 2,362 |
| Return on assets (ROA) | 0.9398% | 2,109 |
| Pretax return on assets | 0.9657% | 2,711 |
| Return on Equity (ROE) | 9.5663% | 1,832 |
| Retained earnings to average equity (ytd only) | 4.1435% | 2,317 |
| Net charge-offs to loans | 0.1101% | 6,057 |
| Credit loss provision to net charge-offs | 153.1863% | 2,990 |
| Earnings coverage of net charge-offs (x) | 11.9779% | 1,549 |
| Efficiency ratio | 75.3813% | 3,638 |
| Assets per employee ($millions) | 3.3630% | 5,336 |
| Cash dividends to net income (ytd only)* | 56.6869% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 6,797 |
| Loan loss allowance to noncurrent loans | 78.3962% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 5,070 |
| Noncurrent loans to loans | 1.1520% | 5,031 |
| Net loans and leases to total assets | 75.0621% | 2,008 |
| Net loans and leases to deposits | 90.3903% | 2,161 |
| Net loans and leases to core deposits | 106.4621% | 3,282 |
| Total domestic deposits to total assets | 83.0422% | 4,504 |
| Equity capital to assets | 9.7523% | 4,062 |
| Core capital (leverage) ratio | 7.5107% | 6,777 |
| Tier 1 risk-based capital ratio | 10.6099% | 6,294 |
| Total risk-based capital ratio | 11.6026% | 6,509 |
| Memoranda: | ||
| Average total assets | $490,091,400 | 1,414 |
| Average earning assets | $434,512,600 | 1,459 |
| Average equity | $48,148,000 | 1,398 |
| Average total loans | $370,482,000 | 1,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 4,031 |
| Cost of funding earning assets | 1.6197% | 5,313 |
| Net interest margin | 3.9508% | 3,032 |
| Noninterest income to average assets | 1.0727% | 1,379 |
| Noninterest expense to average assets | 3.6458% | 1,933 |
| Loan and lease loss provision to assets | 0.1165% | 6,202 |
| Net operating income to assets | 0.7987% | 2,820 |
| Return on assets (ROA) | 0.9252% | 2,396 |
| Pretax return on assets | 0.9417% | 3,091 |
| Return on Equity (ROE) | 9.3999% | 2,128 |
| Retained earnings to average equity (ytd only) | 2.8317% | 3,750 |
| Net charge-offs to loans | 0.0638% | 6,058 |
| Credit loss provision to net charge-offs | 241.4773% | 1,805 |
| Earnings coverage of net charge-offs (x) | 19.2614% | 1,303 |
| Efficiency ratio | 76.7028% | 3,380 |
| Assets per employee ($millions) | 3.3241% | 5,328 |
| Cash dividends to net income (ytd only)* | 69.8755% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,618 |
| Loan loss allowance to noncurrent loans | 66.0721% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 4,713 |
| Noncurrent loans to loans | 1.4153% | 4,547 |
| Net loans and leases to total assets | 74.4759% | 2,390 |
| Net loans and leases to deposits | 91.5048% | 2,316 |
| Net loans and leases to core deposits | 107.7111% | 3,506 |
| Total domestic deposits to total assets | 81.3902% | 4,927 |
| Equity capital to assets | 9.7550% | 4,414 |
| Core capital (leverage) ratio | 7.3327% | 7,158 |
| Tier 1 risk-based capital ratio | 10.5709% | 6,388 |
| Total risk-based capital ratio | 11.6029% | 6,559 |
| Memoranda: | ||
| Average total assets | $486,500,000 | 1,432 |
| Average earning assets | $431,265,250 | 1,480 |
| Average equity | $47,886,000 | 1,427 |
| Average total loans | $367,575,750 | 1,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6293% | 3,920 |
| Cost of funding earning assets | 1.6815% | 5,358 |
| Net interest margin | 3.9479% | 2,897 |
| Noninterest income to average assets | 1.0476% | 1,438 |
| Noninterest expense to average assets | 3.7463% | 1,750 |
| Loan and lease loss provision to assets | 0.1034% | 6,135 |
| Net operating income to assets | 0.6870% | 3,309 |
| Return on assets (ROA) | 0.8818% | 2,633 |
| Pretax return on assets | 0.8847% | 3,388 |
| Return on Equity (ROE) | 8.9312% | 2,382 |
| Retained earnings to average equity (ytd only) | 4.3274% | 2,892 |
| Net charge-offs to loans | 0.0590% | 5,672 |
| Credit loss provision to net charge-offs | 231.4815% | 1,993 |
| Earnings coverage of net charge-offs (x) | 17.7593% | 1,454 |
| Efficiency ratio | 79.4916% | 3,128 |
| Assets per employee ($millions) | 3.2124% | 5,561 |
| Cash dividends to net income (ytd only)* | 51.5478% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,705 |
| Loan loss allowance to noncurrent loans | 91.5875% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 5,113 |
| Noncurrent loans to loans | 0.9989% | 5,207 |
| Net loans and leases to total assets | 76.3643% | 2,092 |
| Net loans and leases to deposits | 95.1308% | 1,929 |
| Net loans and leases to core deposits | 112.5522% | 3,070 |
| Total domestic deposits to total assets | 80.2730% | 5,362 |
| Equity capital to assets | 10.0900% | 3,826 |
| Core capital (leverage) ratio | 7.5230% | 6,986 |
| Tier 1 risk-based capital ratio | 10.7413% | 6,148 |
| Total risk-based capital ratio | 11.7619% | 6,314 |
| Memoranda: | ||
| Average total assets | $483,567,670 | 1,464 |
| Average earning assets | $427,725,330 | 1,513 |
| Average equity | $47,742,670 | 1,440 |
| Average total loans | $365,981,330 | 1,364 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 3,972 |
| Cost of funding earning assets | 1.7563% | 5,327 |
| Net interest margin | 3.9073% | 3,017 |
| Noninterest income to average assets | 0.9275% | 1,742 |
| Noninterest expense to average assets | 3.6196% | 1,823 |
| Loan and lease loss provision to assets | 0.1029% | 5,655 |
| Net operating income to assets | 0.7259% | 3,438 |
| Return on assets (ROA) | 0.7456% | 3,545 |
| Pretax return on assets | 0.6798% | 4,499 |
| Return on Equity (ROE) | 7.6349% | 3,312 |
| Retained earnings to average equity (ytd only) | -1.6264% | 6,025 |
| Net charge-offs to loans | 0.0505% | 4,767 |
| Credit loss provision to net charge-offs | 271.7391% | 1,758 |
| Earnings coverage of net charge-offs (x) | 20.1522% | 1,390 |
| Efficiency ratio | 79.4742% | 2,915 |
| Assets per employee ($millions) | 3.2557% | 5,438 |
| Cash dividends to net income (ytd only)* | 121.3024% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 6,690 |
| Loan loss allowance to noncurrent loans | 111.1782% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,533 |
| Noncurrent loans to loans | 0.8199% | 5,397 |
| Net loans and leases to total assets | 74.2206% | 2,701 |
| Net loans and leases to deposits | 91.1739% | 2,745 |
| Net loans and leases to core deposits | 106.5285% | 3,850 |
| Total domestic deposits to total assets | 81.4055% | 4,791 |
| Equity capital to assets | 9.7530% | 4,303 |
| Core capital (leverage) ratio | 7.1911% | 7,484 |
| Tier 1 risk-based capital ratio | 10.2650% | 6,624 |
| Total risk-based capital ratio | 11.2652% | 6,811 |
| Memoranda: | ||
| Average total assets | $486,025,000 | 1,460 |
| Average earning assets | $429,758,000 | 1,514 |
| Average equity | $47,466,000 | 1,453 |
| Average total loans | $364,524,500 | 1,383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5370% | 2,774 |
| Cost of funding earning assets | 2.5028% | 4,194 |
| Net interest margin | 4.0342% | 2,960 |
| Noninterest income to average assets | 0.8679% | 2,121 |
| Noninterest expense to average assets | 3.4959% | 2,409 |
| Loan and lease loss provision to assets | 0.1073% | 6,004 |
| Net operating income to assets | 0.7712% | 3,567 |
| Return on assets (ROA) | 0.6662% | 3,885 |
| Pretax return on assets | 0.7499% | 4,245 |
| Return on Equity (ROE) | 6.5959% | 3,715 |
| Retained earnings to average equity (ytd only) | 1.5899% | 4,260 |
| Net charge-offs to loans | 0.0861% | 5,517 |
| Credit loss provision to net charge-offs | 170.3072% | 3,004 |
| Earnings coverage of net charge-offs (x) | 15.2730% | 1,944 |
| Efficiency ratio | 78.4192% | 2,848 |
| Assets per employee ($millions) | 3.1416% | 5,647 |
| Cash dividends to net income (ytd only)* | 75.8955% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 6,758 |
| Loan loss allowance to noncurrent loans | 136.5287% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 5,609 |
| Noncurrent loans to loans | 0.6475% | 5,425 |
| Net loans and leases to total assets | 74.4347% | 3,005 |
| Net loans and leases to deposits | 90.0616% | 3,443 |
| Net loans and leases to core deposits | 104.7881% | 4,322 |
| Total domestic deposits to total assets | 82.6487% | 3,923 |
| Equity capital to assets | 9.7792% | 4,321 |
| Core capital (leverage) ratio | 7.1837% | 7,540 |
| Tier 1 risk-based capital ratio | 10.2734% | 6,446 |
| Total risk-based capital ratio | 11.2468% | 6,622 |
| Memoranda: | ||
| Average total assets | $465,145,000 | 1,478 |
| Average earning assets | $413,937,000 | 1,514 |
| Average equity | $46,983,400 | 1,452 |
| Average total loans | $340,138,800 | 1,428 |