Home > County National Bank > Performance and Condition Ratios
County National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 1,998 |
| Cost of funding earning assets | 1.4459% | 2,086 |
| Net interest margin | 3.5920% | 1,982 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.8778% | 1,318 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9165% | 2,496 |
| Return on assets (ROA) | 0.9193% | 2,458 |
| Pretax return on assets | 1.1467% | 2,271 |
| Return on Equity (ROE) | 11.4900% | 2,097 |
| Retained earnings to average equity (ytd only) | 6.4266% | 2,084 |
| Net charge-offs to loans | 0.0257% | 1,801 |
| Credit loss provision to net charge-offs | 132.3529% | 1,577 |
| Earnings coverage of net charge-offs (x) | 60.0168% | 1,189 |
| Efficiency ratio | 70.6887% | 1,795 |
| Assets per employee ($millions) | 5.5487% | 3,207 |
| Cash dividends to net income (ytd only)* | 44.0658% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,612 |
| Loan loss allowance to noncurrent loans | 208.3722% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 1,130 |
| Noncurrent loans to loans | 0.6429% | 1,221 |
| Net loans and leases to total assets | 76.5000% | 1,053 |
| Net loans and leases to deposits | 88.8236% | 1,358 |
| Net loans and leases to core deposits | 92.9683% | 1,847 |
| Total domestic deposits to total assets | 86.1200% | 1,971 |
| Equity capital to assets | 7.8736% | 3,504 |
| Core capital (leverage) ratio | 8.3070% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7449% | 2,642 |
| Memoranda: | ||
| Average total assets | $1,197,010,000 | 857 |
| Average earning assets | $1,137,625,000 | 829 |
| Average equity | $95,774,400 | 978 |
| Average total loans | $924,863,200 | 776 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,872 |
| Cost of funding earning assets | 1.3682% | 1,956 |
| Net interest margin | 3.6119% | 1,977 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.8707% | 1,282 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9372% | 2,558 |
| Return on assets (ROA) | 0.9451% | 2,519 |
| Pretax return on assets | 1.1745% | 2,353 |
| Return on Equity (ROE) | 11.7600% | 2,190 |
| Retained earnings to average equity (ytd only) | 7.1315% | 2,240 |
| Net charge-offs to loans | 0.0174% | 1,786 |
| Credit loss provision to net charge-offs | 289.9160% | 908 |
| Earnings coverage of net charge-offs (x) | 91.9580% | 964 |
| Efficiency ratio | 69.9690% | 1,783 |
| Assets per employee ($millions) | 5.5772% | 3,118 |
| Cash dividends to net income (ytd only)* | 39.3734% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,440 |
| Loan loss allowance to noncurrent loans | 588.4253% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 2,357 |
| Noncurrent loans to loans | 0.2380% | 2,397 |
| Net loans and leases to total assets | 76.6500% | 1,040 |
| Net loans and leases to deposits | 84.0269% | 1,738 |
| Net loans and leases to core deposits | 87.9086% | 2,055 |
| Total domestic deposits to total assets | 91.2200% | 622 |
| Equity capital to assets | 8.0908% | 2,992 |
| Core capital (leverage) ratio | 8.1517% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9067% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,184,150,500 | 867 |
| Average earning assets | $1,125,923,000 | 839 |
| Average equity | $95,143,500 | 978 |
| Average total loans | $914,084,750 | 788 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 80,961.0000% | 8 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 87,182.0000% | 14 |
| Cost of funding earning assets | 565.0000% | 6 |
| Net interest margin | 1.0000% | 4,597 |
| Noninterest income to average assets | 0.0043% | 4,583 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9590% | 2,543 |
| Pretax return on assets | 1.1985% | 2,360 |
| Return on Equity (ROE) | 11.9600% | 2,168 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0037% | 2,171 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,599 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.1663% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.4772% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 15.0000% | 8 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0023% | 4,533 |
| Total domestic deposits to total assets | 3,150.0000% | 13 |
| Equity capital to assets | 23,869.0000% | 20 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $9,299,000 | 4,615 |
| Average earning assets | $2,838 | 4,636 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 1,734 |
| Cost of funding earning assets | 1.1288% | 1,668 |
| Net interest margin | 3.6227% | 2,078 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.7361% | 1,580 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.0109% | 2,497 |
| Return on assets (ROA) | 1.0171% | 2,446 |
| Pretax return on assets | 1.2721% | 2,252 |
| Return on Equity (ROE) | 12.8300% | 2,018 |
| Retained earnings to average equity (ytd only) | 8.1393% | 2,177 |
| Net charge-offs to loans | -0.0013% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.2072% | 2,185 |
| Assets per employee ($millions) | 5.4785% | 3,238 |
| Cash dividends to net income (ytd only)* | 36.5667% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,372 |
| Loan loss allowance to noncurrent loans | 493.4250% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 1,918 |
| Noncurrent loans to loans | 0.2978% | 2,078 |
| Net loans and leases to total assets | 74.5700% | 1,129 |
| Net loans and leases to deposits | 81.5492% | 1,697 |
| Net loans and leases to core deposits | 86.7106% | 1,823 |
| Total domestic deposits to total assets | 91.4400% | 662 |
| Equity capital to assets | 7.9320% | 3,288 |
| Core capital (leverage) ratio | 8.0010% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8478% | 2,771 |
| Memoranda: | ||
| Average total assets | $1,179,788,000 | 876 |
| Average earning assets | $1,124,030,500 | 847 |
| Average equity | $93,522,000 | 1,002 |
| Average total loans | $898,800,000 | 796 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 1,742 |
| Cost of funding earning assets | 0.3139% | 2,765 |
| Net interest margin | 3.6773% | 1,434 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.7308% | 1,489 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.1038% | 2,159 |
| Return on assets (ROA) | 1.1029% | 2,095 |
| Pretax return on assets | 1.3775% | 1,833 |
| Return on Equity (ROE) | 14.2500% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.9383% | 1,495 |
| Net charge-offs to loans | 0.0024% | 2,433 |
| Credit loss provision to net charge-offs | 5,725.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 847.2500% | 218 |
| Efficiency ratio | 64.8750% | 2,378 |
| Assets per employee ($millions) | 5.4452% | 3,273 |
| Cash dividends to net income (ytd only)* | 37.2706% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 1,362 |
| Loan loss allowance to noncurrent loans | 518.7123% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,008 |
| Noncurrent loans to loans | 0.2781% | 2,158 |
| Net loans and leases to total assets | 75.5900% | 1,051 |
| Net loans and leases to deposits | 82.6951% | 1,563 |
| Net loans and leases to core deposits | 89.1976% | 1,543 |
| Total domestic deposits to total assets | 91.4100% | 807 |
| Equity capital to assets | 7.9219% | 3,103 |
| Core capital (leverage) ratio | 8.1750% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7705% | 2,798 |
| Memoranda: | ||
| Average total assets | $1,146,088,000 | 879 |
| Average earning assets | $1,090,176,200 | 858 |
| Average equity | $88,708,600 | 1,048 |
| Average total loans | $849,912,000 | 785 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 1,621 |
| Cost of funding earning assets | 0.2281% | 2,947 |
| Net interest margin | 3.6214% | 1,345 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.6858% | 1,502 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1026% | 2,076 |
| Return on assets (ROA) | 1.0994% | 2,070 |
| Pretax return on assets | 1.3734% | 1,800 |
| Return on Equity (ROE) | 14.2900% | 1,352 |
| Retained earnings to average equity (ytd only) | 9.4689% | 1,491 |
| Net charge-offs to loans | 0.0040% | 2,066 |
| Credit loss provision to net charge-offs | 3,660.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 508.2000% | 308 |
| Efficiency ratio | 64.4068% | 2,489 |
| Assets per employee ($millions) | 5.4427% | 3,280 |
| Cash dividends to net income (ytd only)* | 33.7371% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,468 |
| Loan loss allowance to noncurrent loans | 789.9501% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 2,607 |
| Noncurrent loans to loans | 0.1828% | 2,670 |
| Net loans and leases to total assets | 77.4000% | 760 |
| Net loans and leases to deposits | 84.8104% | 1,248 |
| Net loans and leases to core deposits | 90.4443% | 1,270 |
| Total domestic deposits to total assets | 91.2700% | 1,133 |
| Equity capital to assets | 8.0881% | 2,846 |
| Core capital (leverage) ratio | 7.8959% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7779% | 2,876 |
| Memoranda: | ||
| Average total assets | $1,141,292,750 | 887 |
| Average earning assets | $1,085,861,750 | 865 |
| Average equity | $87,808,000 | 1,068 |
| Average total loans | $838,959,750 | 791 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 1,775 |
| Cost of funding earning assets | 0.2081% | 2,806 |
| Net interest margin | 3.4117% | 1,565 |
| Noninterest income to average assets | 0.6535% | 1,529 |
| Noninterest expense to average assets | 2.6144% | 1,597 |
| Loan and lease loss provision to assets | 0.1183% | 849 |
| Net operating income to assets | 0.9379% | 2,411 |
| Return on assets (ROA) | 0.9316% | 2,416 |
| Pretax return on assets | 1.1604% | 2,206 |
| Return on Equity (ROE) | 12.3132% | 1,576 |
| Retained earnings to average equity (ytd only) | 7.4854% | 1,819 |
| Net charge-offs to loans | 0.0031% | 1,948 |
| Credit loss provision to net charge-offs | 5,230.7692% | 110 |
| Earnings coverage of net charge-offs (x) | 568.9231% | 231 |
| Efficiency ratio | 67.0204% | 2,382 |
| Assets per employee ($millions) | 5.0999% | 3,590 |
| Cash dividends to net income (ytd only)* | 39.2084% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,569 |
| Loan loss allowance to noncurrent loans | 446.7122% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,067 |
| Noncurrent loans to loans | 0.3240% | 2,178 |
| Net loans and leases to total assets | 76.1430% | 717 |
| Net loans and leases to deposits | 83.2247% | 1,173 |
| Net loans and leases to core deposits | 86.2592% | 1,325 |
| Total domestic deposits to total assets | 91.4908% | 1,032 |
| Equity capital to assets | 7.9032% | 3,197 |
| Core capital (leverage) ratio | 7.5529% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6840% | 2,886 |
| Memoranda: | ||
| Average total assets | $1,149,803,333 | 880 |
| Average earning assets | $1,094,426,333 | 862 |
| Average equity | $86,996,000 | 1,085 |
| Average total loans | $826,510,333 | 789 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 1,995 |
| Cost of funding earning assets | 0.2148% | 2,599 |
| Net interest margin | 3.2182% | 1,823 |
| Noninterest income to average assets | 0.6266% | 1,577 |
| Noninterest expense to average assets | 2.5486% | 1,756 |
| Loan and lease loss provision to assets | 0.1574% | 495 |
| Net operating income to assets | 0.7957% | 2,673 |
| Return on assets (ROA) | 0.7933% | 2,679 |
| Pretax return on assets | 0.9890% | 2,468 |
| Return on Equity (ROE) | 10.7115% | 1,721 |
| Retained earnings to average equity (ytd only) | 5.8548% | 2,294 |
| Net charge-offs to loans | 0.0044% | 1,600 |
| Credit loss provision to net charge-offs | 5,111.1111% | 95 |
| Earnings coverage of net charge-offs (x) | 373.2222% | 267 |
| Efficiency ratio | 68.9154% | 2,382 |
| Assets per employee ($millions) | 5.6075% | 3,225 |
| Cash dividends to net income (ytd only)* | 45.3408% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,560 |
| Loan loss allowance to noncurrent loans | 431.2037% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 2,211 |
| Noncurrent loans to loans | 0.3470% | 2,245 |
| Net loans and leases to total assets | 67.6535% | 1,248 |
| Net loans and leases to deposits | 73.9889% | 1,611 |
| Net loans and leases to core deposits | 75.8926% | 1,789 |
| Total domestic deposits to total assets | 91.4374% | 838 |
| Equity capital to assets | 7.2922% | 4,051 |
| Core capital (leverage) ratio | 7.2446% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1065% | 2,867 |
| Memoranda: | ||
| Average total assets | $1,168,818,500 | 873 |
| Average earning assets | $1,115,521,000 | 855 |
| Average equity | $86,561,000 | 1,122 |
| Average total loans | $810,281,000 | 794 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 1,750 |
| Cost of funding earning assets | 0.2613% | 2,789 |
| Net interest margin | 3.5856% | 1,510 |
| Noninterest income to average assets | 1.0142% | 975 |
| Noninterest expense to average assets | 2.9129% | 1,121 |
| Loan and lease loss provision to assets | 0.1192% | 1,046 |
| Net operating income to assets | 1.1235% | 2,197 |
| Return on assets (ROA) | 1.1301% | 2,224 |
| Pretax return on assets | 1.4204% | 1,980 |
| Return on Equity (ROE) | 14.3298% | 1,095 |
| Retained earnings to average equity (ytd only) | 8.7554% | 1,265 |
| Net charge-offs to loans | -0.0006% | 3,243 |
| Credit loss provision to net charge-offs | -25,100.0000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5435% | 2,329 |
| Assets per employee ($millions) | 5.5500% | 3,214 |
| Cash dividends to net income (ytd only)* | 38.9010% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,685 |
| Loan loss allowance to noncurrent loans | 706.6066% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,589 |
| Noncurrent loans to loans | 0.2071% | 2,919 |
| Net loans and leases to total assets | 68.9668% | 1,152 |
| Net loans and leases to deposits | 75.6861% | 1,589 |
| Net loans and leases to core deposits | 77.8640% | 1,775 |
| Total domestic deposits to total assets | 91.1221% | 452 |
| Equity capital to assets | 7.5235% | 4,585 |
| Core capital (leverage) ratio | 7.5064% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3548% | 2,811 |
| Memoranda: | ||
| Average total assets | $1,053,136,200 | 925 |
| Average earning assets | $1,007,447,600 | 904 |
| Average equity | $83,057,600 | 1,168 |
| Average total loans | $794,520,200 | 799 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 1,821 |
| Cost of funding earning assets | 0.2796% | 2,805 |
| Net interest margin | 3.5993% | 1,600 |
| Noninterest income to average assets | 1.0592% | 977 |
| Noninterest expense to average assets | 2.8043% | 1,329 |
| Loan and lease loss provision to assets | 0.1489% | 763 |
| Net operating income to assets | 1.2339% | 2,044 |
| Return on assets (ROA) | 1.2398% | 2,083 |
| Pretax return on assets | 1.5592% | 1,828 |
| Return on Equity (ROE) | 15.5202% | 1,035 |
| Retained earnings to average equity (ytd only) | 10.4214% | 1,191 |
| Net charge-offs to loans | -0.0024% | 3,251 |
| Credit loss provision to net charge-offs | -8,214.2857% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2470% | 2,649 |
| Assets per employee ($millions) | 5.2202% | 3,481 |
| Cash dividends to net income (ytd only)* | 32.8527% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 1,694 |
| Loan loss allowance to noncurrent loans | 524.4494% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,766 |
| Noncurrent loans to loans | 0.2833% | 2,781 |
| Net loans and leases to total assets | 70.9276% | 999 |
| Net loans and leases to deposits | 78.0074% | 1,483 |
| Net loans and leases to core deposits | 80.4354% | 1,696 |
| Total domestic deposits to total assets | 90.9242% | 393 |
| Equity capital to assets | 7.8428% | 4,589 |
| Core capital (leverage) ratio | 7.6813% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1912% | 2,650 |
| Memoranda: | ||
| Average total assets | $1,029,206,750 | 950 |
| Average earning assets | $985,355,500 | 928 |
| Average equity | $82,213,500 | 1,194 |
| Average total loans | $792,127,000 | 820 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 1,741 |
| Cost of funding earning assets | 0.2993% | 2,783 |
| Net interest margin | 3.6320% | 1,514 |
| Noninterest income to average assets | 1.1231% | 900 |
| Noninterest expense to average assets | 2.7767% | 1,406 |
| Loan and lease loss provision to assets | 0.2072% | 533 |
| Net operating income to assets | 1.2902% | 1,897 |
| Return on assets (ROA) | 1.2986% | 1,946 |
| Pretax return on assets | 1.6314% | 1,651 |
| Return on Equity (ROE) | 16.1512% | 926 |
| Retained earnings to average equity (ytd only) | 10.9845% | 1,127 |
| Net charge-offs to loans | -0.0015% | 3,136 |
| Credit loss provision to net charge-offs | -17,416.6667% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3006% | 2,979 |
| Assets per employee ($millions) | 5.0332% | 3,637 |
| Cash dividends to net income (ytd only)* | 31.9896% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,654 |
| Loan loss allowance to noncurrent loans | 493.4244% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 2,810 |
| Noncurrent loans to loans | 0.3003% | 2,850 |
| Net loans and leases to total assets | 73.3824% | 818 |
| Net loans and leases to deposits | 81.1247% | 1,315 |
| Net loans and leases to core deposits | 83.8339% | 1,578 |
| Total domestic deposits to total assets | 90.4563% | 571 |
| Equity capital to assets | 7.9752% | 4,549 |
| Core capital (leverage) ratio | 7.6867% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4950% | 2,549 |
| Memoranda: | ||
| Average total assets | $1,008,604,000 | 958 |
| Average earning assets | $966,838,000 | 935 |
| Average equity | $81,096,000 | 1,203 |
| Average total loans | $794,336,000 | 823 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 1,721 |
| Cost of funding earning assets | 0.3075% | 2,915 |
| Net interest margin | 3.6355% | 1,487 |
| Noninterest income to average assets | 1.2989% | 755 |
| Noninterest expense to average assets | 2.8278% | 1,313 |
| Loan and lease loss provision to assets | 0.3800% | 209 |
| Net operating income to assets | 1.2550% | 1,963 |
| Return on assets (ROA) | 1.2670% | 2,004 |
| Pretax return on assets | 1.5908% | 1,753 |
| Return on Equity (ROE) | 15.6901% | 1,081 |
| Retained earnings to average equity (ytd only) | 10.4584% | 1,533 |
| Net charge-offs to loans | 0.0065% | 1,664 |
| Credit loss provision to net charge-offs | 7,230.7692% | 91 |
| Earnings coverage of net charge-offs (x) | 372.1538% | 247 |
| Efficiency ratio | 59.1143% | 3,142 |
| Assets per employee ($millions) | 5.1532% | 3,482 |
| Cash dividends to net income (ytd only)* | 33.3440% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,895 |
| Loan loss allowance to noncurrent loans | 464.5266% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,960 |
| Noncurrent loans to loans | 0.3043% | 3,005 |
| Net loans and leases to total assets | 76.5880% | 580 |
| Net loans and leases to deposits | 84.5236% | 1,093 |
| Net loans and leases to core deposits | 87.4481% | 1,417 |
| Total domestic deposits to total assets | 90.6113% | 537 |
| Equity capital to assets | 7.7661% | 4,607 |
| Core capital (leverage) ratio | 7.8044% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3277% | 2,555 |
| Memoranda: | ||
| Average total assets | $989,455,000 | 960 |
| Average earning assets | $948,436,000 | 936 |
| Average equity | $79,897,500 | 1,213 |
| Average total loans | $801,605,000 | 813 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 1,939 |
| Cost of funding earning assets | 0.4187% | 3,472 |
| Net interest margin | 3.8570% | 1,341 |
| Noninterest income to average assets | 1.2700% | 703 |
| Noninterest expense to average assets | 3.0670% | 1,295 |
| Loan and lease loss provision to assets | 0.3570% | 957 |
| Net operating income to assets | 1.2210% | 1,474 |
| Return on assets (ROA) | 1.2116% | 1,622 |
| Pretax return on assets | 1.5208% | 1,268 |
| Return on Equity (ROE) | 14.0708% | 799 |
| Retained earnings to average equity (ytd only) | 9.4508% | 692 |
| Net charge-offs to loans | 0.0127% | 2,884 |
| Credit loss provision to net charge-offs | 3,343.0108% | 299 |
| Earnings coverage of net charge-offs (x) | 176.9355% | 510 |
| Efficiency ratio | 61.8762% | 3,161 |
| Assets per employee ($millions) | 4.7612% | 3,645 |
| Cash dividends to net income (ytd only)* | 32.8341% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,305 |
| Loan loss allowance to noncurrent loans | 405.9119% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 2,915 |
| Noncurrent loans to loans | 0.3257% | 3,034 |
| Net loans and leases to total assets | 83.5890% | 198 |
| Net loans and leases to deposits | 93.1030% | 713 |
| Net loans and leases to core deposits | 97.0258% | 1,058 |
| Total domestic deposits to total assets | 89.7812% | 645 |
| Equity capital to assets | 8.4176% | 4,503 |
| Core capital (leverage) ratio | 8.0143% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0488% | 2,609 |
| Memoranda: | ||
| Average total assets | $870,776,000 | 992 |
| Average earning assets | $832,330,800 | 969 |
| Average equity | $74,977,800 | 1,219 |
| Average total loans | $734,727,800 | 846 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,308 |
| Cost of funding earning assets | 0.4469% | 3,543 |
| Net interest margin | 3.7825% | 1,674 |
| Noninterest income to average assets | 1.2973% | 647 |
| Noninterest expense to average assets | 3.0158% | 1,411 |
| Loan and lease loss provision to assets | 0.2943% | 1,375 |
| Net operating income to assets | 1.2748% | 1,411 |
| Return on assets (ROA) | 1.2599% | 1,568 |
| Pretax return on assets | 1.5817% | 1,231 |
| Return on Equity (ROE) | 14.5433% | 781 |
| Retained earnings to average equity (ytd only) | 10.9607% | 581 |
| Net charge-offs to loans | -0.0059% | 4,089 |
| Credit loss provision to net charge-offs | -5,890.6250% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4162% | 3,156 |
| Assets per employee ($millions) | 4.7668% | 3,519 |
| Cash dividends to net income (ytd only)* | 24.6344% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,912 |
| Loan loss allowance to noncurrent loans | 312.3174% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 2,861 |
| Noncurrent loans to loans | 0.3703% | 2,955 |
| Net loans and leases to total assets | 85.6191% | 171 |
| Net loans and leases to deposits | 95.1799% | 829 |
| Net loans and leases to core deposits | 99.1441% | 1,227 |
| Total domestic deposits to total assets | 89.9550% | 440 |
| Equity capital to assets | 8.2899% | 4,583 |
| Core capital (leverage) ratio | 7.8736% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9910% | 2,613 |
| Memoranda: | ||
| Average total assets | $853,981,500 | 994 |
| Average earning assets | $815,737,750 | 975 |
| Average equity | $73,984,000 | 1,219 |
| Average total loans | $719,777,000 | 852 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,481 |
| Cost of funding earning assets | 0.4707% | 3,698 |
| Net interest margin | 3.8266% | 1,753 |
| Noninterest income to average assets | 1.2098% | 683 |
| Noninterest expense to average assets | 2.9854% | 1,614 |
| Loan and lease loss provision to assets | 0.2168% | 1,924 |
| Net operating income to assets | 1.3240% | 1,298 |
| Return on assets (ROA) | 1.3004% | 1,470 |
| Pretax return on assets | 1.6327% | 1,147 |
| Return on Equity (ROE) | 14.7684% | 743 |
| Retained earnings to average equity (ytd only) | 12.1190% | 449 |
| Net charge-offs to loans | -0.0096% | 4,197 |
| Credit loss provision to net charge-offs | -2,712.1212% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3714% | 3,218 |
| Assets per employee ($millions) | 4.8893% | 3,316 |
| Cash dividends to net income (ytd only)* | 17.9396% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,232 |
| Loan loss allowance to noncurrent loans | 264.4361% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 2,928 |
| Noncurrent loans to loans | 0.4047% | 2,953 |
| Net loans and leases to total assets | 82.0229% | 414 |
| Net loans and leases to deposits | 91.4665% | 1,219 |
| Net loans and leases to core deposits | 95.3651% | 1,625 |
| Total domestic deposits to total assets | 89.6753% | 501 |
| Equity capital to assets | 8.0167% | 4,709 |
| Core capital (leverage) ratio | 8.1107% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1028% | 2,565 |
| Memoranda: | ||
| Average total assets | $825,620,000 | 1,006 |
| Average earning assets | $788,537,333 | 980 |
| Average equity | $72,696,000 | 1,229 |
| Average total loans | $688,560,333 | 867 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,270 |
| Cost of funding earning assets | 0.5400% | 3,742 |
| Net interest margin | 3.9758% | 1,456 |
| Noninterest income to average assets | 1.1814% | 628 |
| Noninterest expense to average assets | 3.1920% | 1,442 |
| Loan and lease loss provision to assets | 0.1021% | 2,411 |
| Net operating income to assets | 1.3332% | 1,147 |
| Return on assets (ROA) | 1.2767% | 1,405 |
| Pretax return on assets | 1.6049% | 1,041 |
| Return on Equity (ROE) | 13.7362% | 754 |
| Retained earnings to average equity (ytd only) | 8.3127% | 1,138 |
| Net charge-offs to loans | -0.0269% | 4,430 |
| Credit loss provision to net charge-offs | -453.4884% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2300% | 3,202 |
| Assets per employee ($millions) | 4.0387% | 3,867 |
| Cash dividends to net income (ytd only)* | 39.4834% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,653 |
| Loan loss allowance to noncurrent loans | 216.5639% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,616 |
| Noncurrent loans to loans | 0.5556% | 2,612 |
| Net loans and leases to total assets | 80.1461% | 684 |
| Net loans and leases to deposits | 90.6034% | 1,443 |
| Net loans and leases to core deposits | 95.0612% | 1,876 |
| Total domestic deposits to total assets | 88.4581% | 906 |
| Equity capital to assets | 9.0869% | 4,545 |
| Core capital (leverage) ratio | 9.0975% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7407% | 2,832 |
| Memoranda: | ||
| Average total assets | $764,169,000 | 1,038 |
| Average earning assets | $728,111,000 | 1,010 |
| Average equity | $71,024,000 | 1,246 |
| Average total loans | $639,629,500 | 893 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 1,952 |
| Cost of funding earning assets | 0.5518% | 3,867 |
| Net interest margin | 4.2779% | 1,144 |
| Noninterest income to average assets | 1.0810% | 813 |
| Noninterest expense to average assets | 3.3494% | 1,206 |
| Loan and lease loss provision to assets | 0.0898% | 2,226 |
| Net operating income to assets | 1.3520% | 1,497 |
| Return on assets (ROA) | 1.3668% | 1,539 |
| Pretax return on assets | 1.7321% | 1,106 |
| Return on Equity (ROE) | 14.2184% | 858 |
| Retained earnings to average equity (ytd only) | 7.9207% | 1,002 |
| Net charge-offs to loans | 0.0350% | 2,686 |
| Credit loss provision to net charge-offs | 300.9569% | 923 |
| Earnings coverage of net charge-offs (x) | 60.4402% | 973 |
| Efficiency ratio | 65.0044% | 2,934 |
| Assets per employee ($millions) | 3.7782% | 4,172 |
| Cash dividends to net income (ytd only)* | 44.2924% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,567 |
| Loan loss allowance to noncurrent loans | 251.3931% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 2,702 |
| Noncurrent loans to loans | 0.4676% | 2,778 |
| Net loans and leases to total assets | 85.4586% | 206 |
| Net loans and leases to deposits | 96.6073% | 878 |
| Net loans and leases to core deposits | 102.7381% | 1,337 |
| Total domestic deposits to total assets | 88.4598% | 906 |
| Equity capital to assets | 9.5170% | 4,340 |
| Core capital (leverage) ratio | 9.2860% | 4,292 |
| Tier 1 risk-based capital ratio | 11.3131% | 4,728 |
| Total risk-based capital ratio | 12.5631% | 4,615 |
| Memoranda: | ||
| Average total assets | $700,537,200 | 1,070 |
| Average earning assets | $666,755,800 | 1,036 |
| Average equity | $67,342,400 | 1,258 |
| Average total loans | $597,564,200 | 912 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 1,936 |
| Cost of funding earning assets | 0.5453% | 3,960 |
| Net interest margin | 4.3171% | 1,129 |
| Noninterest income to average assets | 1.0622% | 812 |
| Noninterest expense to average assets | 3.3151% | 1,235 |
| Loan and lease loss provision to assets | 0.0582% | 2,734 |
| Net operating income to assets | 1.4194% | 1,411 |
| Return on assets (ROA) | 1.4326% | 1,433 |
| Pretax return on assets | 1.8123% | 1,060 |
| Return on Equity (ROE) | 14.8636% | 804 |
| Retained earnings to average equity (ytd only) | 9.1642% | 1,002 |
| Net charge-offs to loans | 0.0388% | 2,310 |
| Credit loss provision to net charge-offs | 176.6082% | 1,447 |
| Earnings coverage of net charge-offs (x) | 56.2233% | 1,105 |
| Efficiency ratio | 64.1362% | 2,986 |
| Assets per employee ($millions) | 3.7156% | 4,260 |
| Cash dividends to net income (ytd only)* | 38.3445% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,589 |
| Loan loss allowance to noncurrent loans | 230.5476% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 2,787 |
| Noncurrent loans to loans | 0.5139% | 2,750 |
| Net loans and leases to total assets | 82.8768% | 468 |
| Net loans and leases to deposits | 93.7064% | 1,243 |
| Net loans and leases to core deposits | 100.2549% | 1,640 |
| Total domestic deposits to total assets | 88.4431% | 851 |
| Equity capital to assets | 9.5535% | 4,417 |
| Core capital (leverage) ratio | 9.4541% | 4,212 |
| Tier 1 risk-based capital ratio | 11.7489% | 4,547 |
| Total risk-based capital ratio | 12.9992% | 4,441 |
| Memoranda: | ||
| Average total assets | $691,483,500 | 1,080 |
| Average earning assets | $657,769,750 | 1,053 |
| Average equity | $66,648,750 | 1,269 |
| Average total loans | $587,678,500 | 923 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 1,762 |
| Cost of funding earning assets | 0.5266% | 4,002 |
| Net interest margin | 4.3702% | 996 |
| Noninterest income to average assets | 1.0328% | 816 |
| Noninterest expense to average assets | 3.3486% | 1,198 |
| Loan and lease loss provision to assets | 0.0591% | 2,643 |
| Net operating income to assets | 1.4169% | 1,385 |
| Return on assets (ROA) | 1.4234% | 1,422 |
| Pretax return on assets | 1.7947% | 1,045 |
| Return on Equity (ROE) | 14.7222% | 818 |
| Retained earnings to average equity (ytd only) | 8.9859% | 1,032 |
| Net charge-offs to loans | 0.0520% | 1,902 |
| Credit loss provision to net charge-offs | 133.1126% | 1,634 |
| Earnings coverage of net charge-offs (x) | 41.5828% | 1,221 |
| Efficiency ratio | 64.4692% | 3,061 |
| Assets per employee ($millions) | 3.5223% | 4,475 |
| Cash dividends to net income (ytd only)* | 38.9635% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,473 |
| Loan loss allowance to noncurrent loans | 309.9260% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 3,183 |
| Noncurrent loans to loans | 0.3904% | 3,126 |
| Net loans and leases to total assets | 84.6339% | 317 |
| Net loans and leases to deposits | 96.0340% | 1,030 |
| Net loans and leases to core deposits | 102.7329% | 1,496 |
| Total domestic deposits to total assets | 88.1291% | 1,040 |
| Equity capital to assets | 9.8223% | 4,118 |
| Core capital (leverage) ratio | 9.3698% | 4,287 |
| Tier 1 risk-based capital ratio | 11.8301% | 4,512 |
| Total risk-based capital ratio | 13.0808% | 4,400 |
| Memoranda: | ||
| Average total assets | $680,463,670 | 1,093 |
| Average earning assets | $647,933,330 | 1,066 |
| Average equity | $65,792,000 | 1,278 |
| Average total loans | $581,012,000 | 933 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 1,793 |
| Cost of funding earning assets | 0.4932% | 4,090 |
| Net interest margin | 4.3455% | 1,017 |
| Noninterest income to average assets | 0.9946% | 821 |
| Noninterest expense to average assets | 3.3169% | 1,255 |
| Loan and lease loss provision to assets | 0.0597% | 2,461 |
| Net operating income to assets | 1.3884% | 1,409 |
| Return on assets (ROA) | 1.3944% | 1,426 |
| Pretax return on assets | 1.7630% | 1,070 |
| Return on Equity (ROE) | 14.5392% | 848 |
| Retained earnings to average equity (ytd only) | 8.7444% | 1,405 |
| Net charge-offs to loans | 0.1032% | 1,124 |
| Credit loss provision to net charge-offs | 67.7852% | 1,868 |
| Earnings coverage of net charge-offs (x) | 20.6242% | 1,549 |
| Efficiency ratio | 64.6334% | 3,142 |
| Assets per employee ($millions) | 3.6655% | 4,388 |
| Cash dividends to net income (ytd only)* | 39.8560% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,520 |
| Loan loss allowance to noncurrent loans | 313.0183% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,284 |
| Noncurrent loans to loans | 0.3867% | 3,196 |
| Net loans and leases to total assets | 82.7036% | 503 |
| Net loans and leases to deposits | 94.1589% | 1,156 |
| Net loans and leases to core deposits | 99.9405% | 1,629 |
| Total domestic deposits to total assets | 87.8340% | 1,431 |
| Equity capital to assets | 9.4905% | 4,268 |
| Core capital (leverage) ratio | 9.3820% | 4,281 |
| Tier 1 risk-based capital ratio | 11.7280% | 4,606 |
| Total risk-based capital ratio | 12.9784% | 4,503 |
| Memoranda: | ||
| Average total assets | $677,267,000 | 1,100 |
| Average earning assets | $644,812,000 | 1,076 |
| Average equity | $64,955,500 | 1,282 |
| Average total loans | $577,301,500 | 945 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,772 |
| Cost of funding earning assets | 0.3799% | 4,106 |
| Net interest margin | 4.3356% | 1,081 |
| Noninterest income to average assets | 0.9810% | 982 |
| Noninterest expense to average assets | 3.3321% | 1,257 |
| Loan and lease loss provision to assets | 0.0320% | 3,548 |
| Net operating income to assets | 1.3812% | 1,493 |
| Return on assets (ROA) | 1.3812% | 1,487 |
| Pretax return on assets | 1.7053% | 1,156 |
| Return on Equity (ROE) | 14.5044% | 938 |
| Retained earnings to average equity (ytd only) | 8.8138% | 931 |
| Net charge-offs to loans | 0.0150% | 3,181 |
| Credit loss provision to net charge-offs | 248.1928% | 1,199 |
| Earnings coverage of net charge-offs (x) | 134.8434% | 601 |
| Efficiency ratio | 65.7307% | 2,905 |
| Assets per employee ($millions) | 3.4466% | 4,612 |
| Cash dividends to net income (ytd only)* | 39.2335% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,408 |
| Loan loss allowance to noncurrent loans | 270.6355% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 2,849 |
| Noncurrent loans to loans | 0.4546% | 2,905 |
| Net loans and leases to total assets | 85.7659% | 246 |
| Net loans and leases to deposits | 98.0470% | 898 |
| Net loans and leases to core deposits | 104.5439% | 1,372 |
| Total domestic deposits to total assets | 87.4742% | 1,553 |
| Equity capital to assets | 9.6958% | 3,956 |
| Core capital (leverage) ratio | 9.3887% | 4,248 |
| Tier 1 risk-based capital ratio | 11.6224% | 4,656 |
| Total risk-based capital ratio | 12.8733% | 4,548 |
| Memoranda: | ||
| Average total assets | $644,245,600 | 1,123 |
| Average earning assets | $607,502,600 | 1,104 |
| Average equity | $61,347,000 | 1,294 |
| Average total loans | $551,575,800 | 953 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 1,842 |
| Cost of funding earning assets | 0.3697% | 4,051 |
| Net interest margin | 4.2780% | 1,164 |
| Noninterest income to average assets | 0.9923% | 971 |
| Noninterest expense to average assets | 3.2402% | 1,436 |
| Loan and lease loss provision to assets | 0.0313% | 3,391 |
| Net operating income to assets | 1.4157% | 1,431 |
| Return on assets (ROA) | 1.4157% | 1,434 |
| Pretax return on assets | 1.7424% | 1,170 |
| Return on Equity (ROE) | 14.9373% | 890 |
| Retained earnings to average equity (ytd only) | 10.2762% | 829 |
| Net charge-offs to loans | 0.0198% | 2,749 |
| Credit loss provision to net charge-offs | 185.1852% | 1,471 |
| Earnings coverage of net charge-offs (x) | 105.0838% | 720 |
| Efficiency ratio | 64.6247% | 3,085 |
| Assets per employee ($millions) | 3.4888% | 4,574 |
| Cash dividends to net income (ytd only)* | 31.2040% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,407 |
| Loan loss allowance to noncurrent loans | 252.9751% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 2,826 |
| Noncurrent loans to loans | 0.4902% | 2,919 |
| Net loans and leases to total assets | 85.1738% | 343 |
| Net loans and leases to deposits | 97.0757% | 1,035 |
| Net loans and leases to core deposits | 106.1724% | 1,297 |
| Total domestic deposits to total assets | 87.7396% | 1,366 |
| Equity capital to assets | 9.6012% | 3,995 |
| Core capital (leverage) ratio | 9.3160% | 4,378 |
| Tier 1 risk-based capital ratio | 11.2995% | 4,897 |
| Total risk-based capital ratio | 12.5501% | 4,792 |
| Memoranda: | ||
| Average total assets | $639,870,000 | 1,133 |
| Average earning assets | $601,511,000 | 1,113 |
| Average equity | $60,643,250 | 1,306 |
| Average total loans | $545,814,000 | 962 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 1,931 |
| Cost of funding earning assets | 0.3579% | 4,022 |
| Net interest margin | 4.1942% | 1,301 |
| Noninterest income to average assets | 0.9954% | 971 |
| Noninterest expense to average assets | 3.1920% | 1,550 |
| Loan and lease loss provision to assets | 0.0296% | 3,319 |
| Net operating income to assets | 1.3862% | 1,488 |
| Return on assets (ROA) | 1.3862% | 1,486 |
| Pretax return on assets | 1.7147% | 1,183 |
| Return on Equity (ROE) | 14.6927% | 921 |
| Retained earnings to average equity (ytd only) | 10.4232% | 815 |
| Net charge-offs to loans | 0.0219% | 2,443 |
| Credit loss provision to net charge-offs | 159.3220% | 1,519 |
| Earnings coverage of net charge-offs (x) | 93.7966% | 728 |
| Efficiency ratio | 64.6638% | 3,219 |
| Assets per employee ($millions) | 3.6086% | 4,461 |
| Cash dividends to net income (ytd only)* | 29.0587% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,373 |
| Loan loss allowance to noncurrent loans | 293.5660% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 2,946 |
| Noncurrent loans to loans | 0.4295% | 3,161 |
| Net loans and leases to total assets | 84.1701% | 445 |
| Net loans and leases to deposits | 95.8373% | 1,160 |
| Net loans and leases to core deposits | 104.4120% | 1,363 |
| Total domestic deposits to total assets | 87.8260% | 1,460 |
| Equity capital to assets | 9.4615% | 4,145 |
| Core capital (leverage) ratio | 9.2147% | 4,449 |
| Tier 1 risk-based capital ratio | 11.9438% | 4,532 |
| Total risk-based capital ratio | 13.1958% | 4,405 |
| Memoranda: | ||
| Average total assets | $634,526,670 | 1,150 |
| Average earning assets | $596,199,670 | 1,124 |
| Average equity | $59,866,330 | 1,327 |
| Average total loans | $539,195,330 | 972 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 1,816 |
| Cost of funding earning assets | 0.3446% | 4,029 |
| Net interest margin | 4.1711% | 1,242 |
| Noninterest income to average assets | 0.9084% | 1,128 |
| Noninterest expense to average assets | 3.2701% | 1,407 |
| Loan and lease loss provision to assets | 0.0242% | 3,207 |
| Net operating income to assets | 1.2140% | 1,946 |
| Return on assets (ROA) | 1.2140% | 1,956 |
| Pretax return on assets | 1.5132% | 1,653 |
| Return on Equity (ROE) | 12.8861% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.7577% | 1,238 |
| Net charge-offs to loans | 0.0511% | 1,587 |
| Credit loss provision to net charge-offs | 55.8824% | 1,904 |
| Earnings coverage of net charge-offs (x) | 35.4412% | 1,135 |
| Efficiency ratio | 68.0202% | 2,829 |
| Assets per employee ($millions) | 3.5923% | 4,545 |
| Cash dividends to net income (ytd only)* | 24.2775% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,371 |
| Loan loss allowance to noncurrent loans | 303.4664% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 2,998 |
| Noncurrent loans to loans | 0.4199% | 3,275 |
| Net loans and leases to total assets | 84.7440% | 361 |
| Net loans and leases to deposits | 96.6274% | 966 |
| Net loans and leases to core deposits | 111.4798% | 918 |
| Total domestic deposits to total assets | 87.7018% | 1,786 |
| Equity capital to assets | 9.4574% | 4,130 |
| Core capital (leverage) ratio | 9.1187% | 4,546 |
| Tier 1 risk-based capital ratio | 11.8431% | 4,655 |
| Total risk-based capital ratio | 13.0953% | 4,536 |
| Memoranda: | ||
| Average total assets | $627,019,500 | 1,169 |
| Average earning assets | $586,128,000 | 1,153 |
| Average equity | $59,071,500 | 1,349 |
| Average total loans | $531,943,000 | 989 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 1,683 |
| Cost of funding earning assets | 0.2382% | 4,664 |
| Net interest margin | 4.2694% | 1,038 |
| Noninterest income to average assets | 0.9632% | 1,108 |
| Noninterest expense to average assets | 3.4185% | 1,173 |
| Loan and lease loss provision to assets | 0.0466% | 3,299 |
| Net operating income to assets | 1.0555% | 2,038 |
| Return on assets (ROA) | 1.0606% | 2,036 |
| Pretax return on assets | 1.4949% | 1,663 |
| Return on Equity (ROE) | 11.6031% | 1,313 |
| Retained earnings to average equity (ytd only) | 7.4291% | 945 |
| Net charge-offs to loans | -0.0160% | 4,895 |
| Credit loss provision to net charge-offs | -340.2439% | 4,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0220% | 2,695 |
| Assets per employee ($millions) | 3.5531% | 4,633 |
| Cash dividends to net income (ytd only)* | 35.9729% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,062 |
| Loan loss allowance to noncurrent loans | 272.0721% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 2,955 |
| Noncurrent loans to loans | 0.4899% | 3,050 |
| Net loans and leases to total assets | 82.7017% | 599 |
| Net loans and leases to deposits | 94.3207% | 1,240 |
| Net loans and leases to core deposits | 108.9777% | 1,065 |
| Total domestic deposits to total assets | 87.6814% | 1,663 |
| Equity capital to assets | 9.3840% | 4,351 |
| Core capital (leverage) ratio | 9.0509% | 4,586 |
| Tier 1 risk-based capital ratio | 12.0028% | 4,522 |
| Total risk-based capital ratio | 13.2558% | 4,408 |
| Memoranda: | ||
| Average total assets | $598,916,000 | 1,195 |
| Average earning assets | $559,653,800 | 1,187 |
| Average equity | $54,744,000 | 1,413 |
| Average total loans | $513,223,000 | 998 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 1,687 |
| Cost of funding earning assets | 0.2148% | 4,848 |
| Net interest margin | 4.2700% | 996 |
| Noninterest income to average assets | 1.0038% | 1,016 |
| Noninterest expense to average assets | 3.4236% | 1,112 |
| Loan and lease loss provision to assets | 0.0584% | 2,915 |
| Net operating income to assets | 1.0777% | 2,192 |
| Return on assets (ROA) | 1.0813% | 2,227 |
| Pretax return on assets | 1.5257% | 1,682 |
| Return on Equity (ROE) | 11.9134% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.3703% | 741 |
| Net charge-offs to loans | -0.0256% | 4,933 |
| Credit loss provision to net charge-offs | -265.3061% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4369% | 2,796 |
| Assets per employee ($millions) | 3.4548% | 4,793 |
| Cash dividends to net income (ytd only)* | 21.3469% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 2,252 |
| Loan loss allowance to noncurrent loans | 235.4357% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 2,943 |
| Noncurrent loans to loans | 0.5615% | 3,015 |
| Net loans and leases to total assets | 83.8105% | 454 |
| Net loans and leases to deposits | 95.5395% | 1,151 |
| Net loans and leases to core deposits | 115.5776% | 763 |
| Total domestic deposits to total assets | 87.7234% | 1,505 |
| Equity capital to assets | 9.3968% | 4,547 |
| Core capital (leverage) ratio | 9.0862% | 4,646 |
| Tier 1 risk-based capital ratio | 11.9690% | 4,647 |
| Total risk-based capital ratio | 13.2221% | 4,519 |
| Memoranda: | ||
| Average total assets | $593,197,250 | 1,211 |
| Average earning assets | $555,525,000 | 1,204 |
| Average equity | $53,842,750 | 1,439 |
| Average total loans | $511,234,250 | 1,002 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,731 |
| Cost of funding earning assets | 0.2025% | 4,954 |
| Net interest margin | 4.2258% | 1,020 |
| Noninterest income to average assets | 0.9614% | 1,110 |
| Noninterest expense to average assets | 3.4388% | 1,100 |
| Loan and lease loss provision to assets | 0.0722% | 2,529 |
| Net operating income to assets | 1.0339% | 2,279 |
| Return on assets (ROA) | 1.0397% | 2,293 |
| Pretax return on assets | 1.4326% | 1,888 |
| Return on Equity (ROE) | 11.5986% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.9809% | 587 |
| Net charge-offs to loans | 0.0020% | 3,446 |
| Credit loss provision to net charge-offs | 4,220.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 875.4000% | 82 |
| Efficiency ratio | 69.6716% | 2,732 |
| Assets per employee ($millions) | 3.4898% | 4,733 |
| Cash dividends to net income (ytd only)* | 13.9474% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,388 |
| Loan loss allowance to noncurrent loans | 206.3507% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 2,907 |
| Noncurrent loans to loans | 0.6323% | 2,831 |
| Net loans and leases to total assets | 85.0793% | 339 |
| Net loans and leases to deposits | 96.5303% | 1,028 |
| Net loans and leases to core deposits | 118.2702% | 629 |
| Total domestic deposits to total assets | 88.1374% | 1,390 |
| Equity capital to assets | 8.8939% | 4,994 |
| Core capital (leverage) ratio | 8.7168% | 5,035 |
| Tier 1 risk-based capital ratio | 11.2022% | 5,136 |
| Total risk-based capital ratio | 12.4552% | 5,036 |
| Memoranda: | ||
| Average total assets | $584,792,000 | 1,237 |
| Average earning assets | $550,006,670 | 1,214 |
| Average equity | $52,420,000 | 1,480 |
| Average total loans | $506,566,330 | 1,010 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 1,459 |
| Cost of funding earning assets | 0.1977% | 4,997 |
| Net interest margin | 4.2666% | 855 |
| Noninterest income to average assets | 0.9852% | 1,036 |
| Noninterest expense to average assets | 3.4937% | 1,053 |
| Loan and lease loss provision to assets | 0.1029% | 1,850 |
| Net operating income to assets | 1.0264% | 2,187 |
| Return on assets (ROA) | 1.0380% | 2,177 |
| Pretax return on assets | 1.4253% | 1,785 |
| Return on Equity (ROE) | 11.5330% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.5330% | 529 |
| Net charge-offs to loans | 0.0200% | 2,385 |
| Credit loss provision to net charge-offs | 592.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 613 |
| Efficiency ratio | 69.7917% | 2,927 |
| Assets per employee ($millions) | 3.3952% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,418 |
| Loan loss allowance to noncurrent loans | 247.5277% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 3,344 |
| Noncurrent loans to loans | 0.5352% | 3,205 |
| Net loans and leases to total assets | 86.0586% | 217 |
| Net loans and leases to deposits | 98.0649% | 766 |
| Net loans and leases to core deposits | 116.4379% | 578 |
| Total domestic deposits to total assets | 87.7568% | 1,858 |
| Equity capital to assets | 9.0519% | 4,760 |
| Core capital (leverage) ratio | 8.6604% | 5,091 |
| Tier 1 risk-based capital ratio | 11.3358% | 5,122 |
| Total risk-based capital ratio | 12.5892% | 5,028 |
| Memoranda: | ||
| Average total assets | $575,318,500 | 1,251 |
| Average earning assets | $542,171,000 | 1,233 |
| Average equity | $51,782,000 | 1,494 |
| Average total loans | $499,625,500 | 1,018 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 1,516 |
| Cost of funding earning assets | 0.2020% | 4,995 |
| Net interest margin | 4.3049% | 925 |
| Noninterest income to average assets | 1.0326% | 1,060 |
| Noninterest expense to average assets | 3.6179% | 984 |
| Loan and lease loss provision to assets | 0.0994% | 2,395 |
| Net operating income to assets | 0.9229% | 2,709 |
| Return on assets (ROA) | 0.9229% | 2,829 |
| Pretax return on assets | 1.3665% | 2,048 |
| Return on Equity (ROE) | 10.4628% | 1,778 |
| Retained earnings to average equity (ytd only) | 6.4432% | 1,479 |
| Net charge-offs to loans | 0.0750% | 2,626 |
| Credit loss provision to net charge-offs | 152.8409% | 1,790 |
| Earnings coverage of net charge-offs (x) | 22.5398% | 1,727 |
| Efficiency ratio | 71.1648% | 2,713 |
| Assets per employee ($millions) | 3.3533% | 4,974 |
| Cash dividends to net income (ytd only)* | 38.4184% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,355 |
| Loan loss allowance to noncurrent loans | 209.2469% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 3,022 |
| Noncurrent loans to loans | 0.6385% | 2,939 |
| Net loans and leases to total assets | 85.3106% | 273 |
| Net loans and leases to deposits | 96.8636% | 919 |
| Net loans and leases to core deposits | 112.9368% | 738 |
| Total domestic deposits to total assets | 88.0729% | 1,598 |
| Equity capital to assets | 8.9483% | 4,865 |
| Core capital (leverage) ratio | 8.4343% | 5,332 |
| Tier 1 risk-based capital ratio | 11.2037% | 5,218 |
| Total risk-based capital ratio | 12.4570% | 5,113 |
| Memoranda: | ||
| Average total assets | $541,232,200 | 1,280 |
| Average earning assets | $509,326,200 | 1,256 |
| Average equity | $47,740,600 | 1,583 |
| Average total loans | $469,161,600 | 1,030 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,548 |
| Cost of funding earning assets | 0.1962% | 5,112 |
| Net interest margin | 4.3017% | 923 |
| Noninterest income to average assets | 1.0646% | 1,001 |
| Noninterest expense to average assets | 3.5743% | 1,034 |
| Loan and lease loss provision to assets | 0.1213% | 1,919 |
| Net operating income to assets | 0.9712% | 2,565 |
| Return on assets (ROA) | 0.9712% | 2,699 |
| Pretax return on assets | 1.4189% | 1,976 |
| Return on Equity (ROE) | 11.0533% | 1,649 |
| Retained earnings to average equity (ytd only) | 8.7915% | 882 |
| Net charge-offs to loans | 0.0714% | 2,294 |
| Credit loss provision to net charge-offs | 195.9677% | 1,462 |
| Earnings coverage of net charge-offs (x) | 24.8749% | 1,653 |
| Efficiency ratio | 69.8853% | 2,901 |
| Assets per employee ($millions) | 3.4193% | 4,885 |
| Cash dividends to net income (ytd only)* | 20.4628% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 2,399 |
| Loan loss allowance to noncurrent loans | 188.5511% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 2,909 |
| Noncurrent loans to loans | 0.7200% | 2,870 |
| Net loans and leases to total assets | 85.4799% | 289 |
| Net loans and leases to deposits | 98.5858% | 803 |
| Net loans and leases to core deposits | 117.8542% | 578 |
| Total domestic deposits to total assets | 86.7061% | 2,028 |
| Equity capital to assets | 8.8890% | 5,251 |
| Core capital (leverage) ratio | 8.4629% | 5,395 |
| Tier 1 risk-based capital ratio | 11.0770% | 5,333 |
| Total risk-based capital ratio | 12.3307% | 5,231 |
| Memoranda: | ||
| Average total assets | $534,024,500 | 1,299 |
| Average earning assets | $502,766,000 | 1,275 |
| Average equity | $46,923,000 | 1,619 |
| Average total loans | $463,224,750 | 1,051 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 1,560 |
| Cost of funding earning assets | 0.1911% | 5,230 |
| Net interest margin | 4.2941% | 934 |
| Noninterest income to average assets | 0.9890% | 1,141 |
| Noninterest expense to average assets | 3.5479% | 1,087 |
| Loan and lease loss provision to assets | 0.0809% | 2,519 |
| Net operating income to assets | 0.9676% | 2,537 |
| Return on assets (ROA) | 0.9676% | 2,682 |
| Pretax return on assets | 1.4008% | 2,025 |
| Return on Equity (ROE) | 11.0585% | 1,616 |
| Retained earnings to average equity (ytd only) | 9.2220% | 788 |
| Net charge-offs to loans | 0.0031% | 3,599 |
| Credit loss provision to net charge-offs | 3,028.5714% | 142 |
| Earnings coverage of net charge-offs (x) | 554.5714% | 122 |
| Efficiency ratio | 70.5396% | 2,902 |
| Assets per employee ($millions) | 3.5002% | 4,752 |
| Cash dividends to net income (ytd only)* | 16.6075% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,322 |
| Loan loss allowance to noncurrent loans | 166.1802% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 2,644 |
| Noncurrent loans to loans | 0.8386% | 2,650 |
| Net loans and leases to total assets | 85.0346% | 326 |
| Net loans and leases to deposits | 97.5079% | 928 |
| Net loans and leases to core deposits | 115.0503% | 676 |
| Total domestic deposits to total assets | 87.2079% | 1,801 |
| Equity capital to assets | 8.9454% | 5,279 |
| Core capital (leverage) ratio | 8.6466% | 5,218 |
| Tier 1 risk-based capital ratio | 11.1769% | 5,325 |
| Total risk-based capital ratio | 12.4310% | 5,243 |
| Memoranda: | ||
| Average total assets | $523,969,000 | 1,324 |
| Average earning assets | $493,043,330 | 1,296 |
| Average equity | $45,847,000 | 1,658 |
| Average total loans | $454,664,000 | 1,069 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,469 |
| Cost of funding earning assets | 0.1912% | 5,273 |
| Net interest margin | 4.3226% | 889 |
| Noninterest income to average assets | 0.9969% | 1,081 |
| Noninterest expense to average assets | 3.5729% | 1,062 |
| Loan and lease loss provision to assets | 0.1268% | 1,671 |
| Net operating income to assets | 0.9507% | 2,508 |
| Return on assets (ROA) | 0.9507% | 2,625 |
| Pretax return on assets | 1.3662% | 2,017 |
| Return on Equity (ROE) | 10.9976% | 1,599 |
| Retained earnings to average equity (ytd only) | 10.9976% | 654 |
| Net charge-offs to loans | 0.0198% | 2,542 |
| Credit loss provision to net charge-offs | 736.3636% | 470 |
| Earnings coverage of net charge-offs (x) | 86.7273% | 598 |
| Efficiency ratio | 70.5283% | 3,040 |
| Assets per employee ($millions) | 3.4195% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 2,209 |
| Loan loss allowance to noncurrent loans | 173.1727% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 2,596 |
| Noncurrent loans to loans | 0.8367% | 2,753 |
| Net loans and leases to total assets | 85.5694% | 248 |
| Net loans and leases to deposits | 95.9322% | 950 |
| Net loans and leases to core deposits | 110.6112% | 823 |
| Total domestic deposits to total assets | 89.1978% | 1,001 |
| Equity capital to assets | 8.6989% | 5,424 |
| Core capital (leverage) ratio | 8.1107% | 5,715 |
| Tier 1 risk-based capital ratio | 10.8498% | 5,580 |
| Total risk-based capital ratio | 12.1050% | 5,484 |
| Memoranda: | ||
| Average total assets | $511,186,000 | 1,351 |
| Average earning assets | $481,186,500 | 1,320 |
| Average equity | $44,191,500 | 1,698 |
| Average total loans | $445,046,500 | 1,092 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,061 |
| Cost of funding earning assets | 0.2152% | 5,138 |
| Net interest margin | 4.1348% | 1,324 |
| Noninterest income to average assets | 1.0133% | 1,148 |
| Noninterest expense to average assets | 3.3886% | 1,509 |
| Loan and lease loss provision to assets | 0.2414% | 793 |
| Net operating income to assets | 0.8651% | 3,044 |
| Return on assets (ROA) | 0.8655% | 3,116 |
| Pretax return on assets | 1.2549% | 2,453 |
| Return on Equity (ROE) | 10.3475% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.8628% | 1,862 |
| Net charge-offs to loans | 0.1482% | 1,883 |
| Credit loss provision to net charge-offs | 198.6799% | 1,412 |
| Earnings coverage of net charge-offs (x) | 12.3102% | 2,480 |
| Efficiency ratio | 69.3773% | 3,325 |
| Assets per employee ($millions) | 3.3066% | 5,142 |
| Cash dividends to net income (ytd only)* | 43.3403% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 2,187 |
| Loan loss allowance to noncurrent loans | 190.6734% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 2,755 |
| Noncurrent loans to loans | 0.7648% | 2,887 |
| Net loans and leases to total assets | 86.0304% | 228 |
| Net loans and leases to deposits | 97.0873% | 899 |
| Net loans and leases to core deposits | 109.7313% | 866 |
| Total domestic deposits to total assets | 88.6114% | 1,327 |
| Equity capital to assets | 8.5890% | 5,487 |
| Core capital (leverage) ratio | 8.1000% | 5,777 |
| Tier 1 risk-based capital ratio | 10.3875% | 5,824 |
| Total risk-based capital ratio | 11.6421% | 5,745 |
| Memoranda: | ||
| Average total assets | $498,763,600 | 1,349 |
| Average earning assets | $466,941,000 | 1,328 |
| Average equity | $41,720,400 | 1,738 |
| Average total loans | $408,781,400 | 1,131 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,293 |
| Cost of funding earning assets | 0.2188% | 5,200 |
| Net interest margin | 4.0656% | 1,509 |
| Noninterest income to average assets | 1.0218% | 1,135 |
| Noninterest expense to average assets | 3.3003% | 1,689 |
| Loan and lease loss provision to assets | 0.2459% | 704 |
| Net operating income to assets | 0.8940% | 2,993 |
| Return on assets (ROA) | 0.8940% | 3,079 |
| Pretax return on assets | 1.2787% | 2,478 |
| Return on Equity (ROE) | 10.7610% | 1,804 |
| Retained earnings to average equity (ytd only) | 8.3689% | 1,103 |
| Net charge-offs to loans | 0.1681% | 1,478 |
| Credit loss provision to net charge-offs | 181.4229% | 1,458 |
| Earnings coverage of net charge-offs (x) | 11.2490% | 2,510 |
| Efficiency ratio | 68.4024% | 3,468 |
| Assets per employee ($millions) | 3.2531% | 5,210 |
| Cash dividends to net income (ytd only)* | 22.2289% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 2,269 |
| Loan loss allowance to noncurrent loans | 164.6264% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 2,700 |
| Noncurrent loans to loans | 0.8945% | 2,741 |
| Net loans and leases to total assets | 82.9786% | 474 |
| Net loans and leases to deposits | 95.4108% | 1,063 |
| Net loans and leases to core deposits | 98.7981% | 1,628 |
| Total domestic deposits to total assets | 86.9698% | 2,059 |
| Equity capital to assets | 8.6565% | 5,606 |
| Core capital (leverage) ratio | 8.2799% | 5,730 |
| Tier 1 risk-based capital ratio | 10.8878% | 5,716 |
| Total risk-based capital ratio | 12.1429% | 5,633 |
| Memoranda: | ||
| Average total assets | $497,802,750 | 1,358 |
| Average earning assets | $465,647,750 | 1,334 |
| Average equity | $41,358,250 | 1,762 |
| Average total loans | $401,278,250 | 1,155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 2,514 |
| Cost of funding earning assets | 0.2223% | 5,233 |
| Net interest margin | 3.9877% | 1,673 |
| Noninterest income to average assets | 0.9856% | 1,209 |
| Noninterest expense to average assets | 3.2830% | 1,753 |
| Loan and lease loss provision to assets | 0.2065% | 946 |
| Net operating income to assets | 0.8676% | 3,052 |
| Return on assets (ROA) | 0.8676% | 3,149 |
| Pretax return on assets | 1.2300% | 2,650 |
| Return on Equity (ROE) | 10.5926% | 1,817 |
| Retained earnings to average equity (ytd only) | 8.7838% | 996 |
| Net charge-offs to loans | 0.1968% | 1,274 |
| Credit loss provision to net charge-offs | 132.2165% | 1,671 |
| Earnings coverage of net charge-offs (x) | 9.1959% | 2,480 |
| Efficiency ratio | 69.5615% | 3,408 |
| Assets per employee ($millions) | 3.1541% | 5,404 |
| Cash dividends to net income (ytd only)* | 17.0766% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 2,510 |
| Loan loss allowance to noncurrent loans | 150.3298% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 2,742 |
| Noncurrent loans to loans | 0.9646% | 2,720 |
| Net loans and leases to total assets | 83.4557% | 419 |
| Net loans and leases to deposits | 94.6648% | 1,082 |
| Net loans and leases to core deposits | 106.4653% | 1,051 |
| Total domestic deposits to total assets | 88.1592% | 1,572 |
| Equity capital to assets | 8.6017% | 5,596 |
| Core capital (leverage) ratio | 7.5827% | 6,077 |
| Tier 1 risk-based capital ratio | 10.6228% | 5,873 |
| Total risk-based capital ratio | 11.8775% | 5,815 |
| Memoranda: | ||
| Average total assets | $496,745,330 | 1,364 |
| Average earning assets | $465,127,670 | 1,343 |
| Average equity | $40,688,670 | 1,796 |
| Average total loans | $394,399,330 | 1,169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 2,687 |
| Cost of funding earning assets | 0.2133% | 5,386 |
| Net interest margin | 3.9223% | 1,815 |
| Noninterest income to average assets | 0.9051% | 1,370 |
| Noninterest expense to average assets | 3.2106% | 1,959 |
| Loan and lease loss provision to assets | 0.2017% | 917 |
| Net operating income to assets | 0.8431% | 3,042 |
| Return on assets (ROA) | 0.8431% | 3,171 |
| Pretax return on assets | 1.1718% | 2,773 |
| Return on Equity (ROE) | 10.5467% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.5467% | 803 |
| Net charge-offs to loans | 0.2448% | 975 |
| Credit loss provision to net charge-offs | 107.1730% | 1,537 |
| Earnings coverage of net charge-offs (x) | 7.2996% | 2,184 |
| Efficiency ratio | 70.0381% | 3,482 |
| Assets per employee ($millions) | 3.4306% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,442 |
| Loan loss allowance to noncurrent loans | 139.3867% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 2,857 |
| Noncurrent loans to loans | 1.0765% | 2,607 |
| Net loans and leases to total assets | 72.7628% | 1,686 |
| Net loans and leases to deposits | 81.5303% | 2,388 |
| Net loans and leases to core deposits | 90.8000% | 2,055 |
| Total domestic deposits to total assets | 89.2464% | 1,117 |
| Equity capital to assets | 7.7769% | 6,107 |
| Core capital (leverage) ratio | 7.7124% | 6,063 |
| Tier 1 risk-based capital ratio | 10.8684% | 5,865 |
| Total risk-based capital ratio | 12.1184% | 5,793 |
| Memoranda: | ||
| Average total assets | $503,829,500 | 1,348 |
| Average earning assets | $472,577,000 | 1,333 |
| Average equity | $40,278,000 | 1,818 |
| Average total loans | $387,267,000 | 1,191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,612 |
| Cost of funding earning assets | 0.2448% | 5,381 |
| Net interest margin | 4.0535% | 1,723 |
| Noninterest income to average assets | 0.9701% | 1,290 |
| Noninterest expense to average assets | 3.3926% | 1,712 |
| Loan and lease loss provision to assets | 0.2492% | 916 |
| Net operating income to assets | 0.7907% | 3,423 |
| Return on assets (ROA) | 0.8435% | 3,246 |
| Pretax return on assets | 1.1642% | 2,807 |
| Return on Equity (ROE) | 10.1948% | 2,027 |
| Retained earnings to average equity (ytd only) | 5.6942% | 2,135 |
| Net charge-offs to loans | 0.3066% | 1,441 |
| Credit loss provision to net charge-offs | 105.3763% | 2,272 |
| Earnings coverage of net charge-offs (x) | 5.6658% | 3,379 |
| Efficiency ratio | 71.6838% | 3,257 |
| Assets per employee ($millions) | 3.0751% | 5,594 |
| Cash dividends to net income (ytd only)* | 44.1457% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 2,478 |
| Loan loss allowance to noncurrent loans | 131.2740% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 2,691 |
| Noncurrent loans to loans | 1.1424% | 2,557 |
| Net loans and leases to total assets | 78.9175% | 891 |
| Net loans and leases to deposits | 89.2834% | 1,583 |
| Net loans and leases to core deposits | 95.6052% | 1,757 |
| Total domestic deposits to total assets | 88.3898% | 1,574 |
| Equity capital to assets | 8.2308% | 5,944 |
| Core capital (leverage) ratio | 7.8500% | 6,079 |
| Tier 1 risk-based capital ratio | 10.7702% | 6,004 |
| Total risk-based capital ratio | 12.0255% | 5,938 |
| Memoranda: | ||
| Average total assets | $471,825,600 | 1,416 |
| Average earning assets | $437,965,400 | 1,401 |
| Average equity | $39,039,400 | 1,813 |
| Average total loans | $363,976,000 | 1,220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,603 |
| Cost of funding earning assets | 0.2517% | 5,387 |
| Net interest margin | 4.0552% | 1,705 |
| Noninterest income to average assets | 0.9661% | 1,323 |
| Noninterest expense to average assets | 3.3710% | 1,737 |
| Loan and lease loss provision to assets | 0.1700% | 1,450 |
| Net operating income to assets | 0.8675% | 3,088 |
| Return on assets (ROA) | 0.8936% | 3,041 |
| Pretax return on assets | 1.2160% | 2,714 |
| Return on Equity (ROE) | 10.7858% | 1,878 |
| Retained earnings to average equity (ytd only) | 8.2712% | 1,233 |
| Net charge-offs to loans | 0.1176% | 2,631 |
| Credit loss provision to net charge-offs | 189.2405% | 1,331 |
| Earnings coverage of net charge-offs (x) | 15.0318% | 2,087 |
| Efficiency ratio | 71.4028% | 3,284 |
| Assets per employee ($millions) | 2.9986% | 5,722 |
| Cash dividends to net income (ytd only)* | 23.3142% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 2,282 |
| Loan loss allowance to noncurrent loans | 95.6335% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 2,273 |
| Noncurrent loans to loans | 1.6805% | 1,940 |
| Net loans and leases to total assets | 77.8296% | 977 |
| Net loans and leases to deposits | 88.2408% | 1,639 |
| Net loans and leases to core deposits | 95.7155% | 1,695 |
| Total domestic deposits to total assets | 88.2014% | 1,657 |
| Equity capital to assets | 8.4463% | 5,838 |
| Core capital (leverage) ratio | 7.8401% | 6,161 |
| Tier 1 risk-based capital ratio | 11.1436% | 5,936 |
| Total risk-based capital ratio | 12.4214% | 5,875 |
| Memoranda: | ||
| Average total assets | $469,086,000 | 1,439 |
| Average earning assets | $434,358,250 | 1,425 |
| Average equity | $38,865,000 | 1,828 |
| Average total loans | $358,269,500 | 1,242 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 2,595 |
| Cost of funding earning assets | 0.2568% | 5,414 |
| Net interest margin | 4.0384% | 1,694 |
| Noninterest income to average assets | 0.9505% | 1,331 |
| Noninterest expense to average assets | 3.3573% | 1,790 |
| Loan and lease loss provision to assets | 0.1647% | 1,493 |
| Net operating income to assets | 0.8792% | 2,908 |
| Return on assets (ROA) | 0.9091% | 2,862 |
| Pretax return on assets | 1.2094% | 2,633 |
| Return on Equity (ROE) | 11.0444% | 1,727 |
| Retained earnings to average equity (ytd only) | 9.1474% | 938 |
| Net charge-offs to loans | 0.0573% | 3,150 |
| Credit loss provision to net charge-offs | 381.1881% | 720 |
| Earnings coverage of net charge-offs (x) | 30.8812% | 1,233 |
| Efficiency ratio | 71.5601% | 3,419 |
| Assets per employee ($millions) | 3.0270% | 5,721 |
| Cash dividends to net income (ytd only)* | 17.1765% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 2,220 |
| Loan loss allowance to noncurrent loans | 95.8479% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 2,367 |
| Noncurrent loans to loans | 1.7447% | 1,977 |
| Net loans and leases to total assets | 75.0218% | 1,303 |
| Net loans and leases to deposits | 84.9875% | 1,929 |
| Net loans and leases to core deposits | 91.7714% | 1,952 |
| Total domestic deposits to total assets | 88.2739% | 1,752 |
| Equity capital to assets | 8.3396% | 5,922 |
| Core capital (leverage) ratio | 7.7201% | 6,240 |
| Tier 1 risk-based capital ratio | 11.3185% | 5,895 |
| Total risk-based capital ratio | 12.5986% | 5,829 |
| Memoranda: | ||
| Average total assets | $467,520,000 | 1,440 |
| Average earning assets | $433,097,670 | 1,428 |
| Average equity | $38,481,000 | 1,837 |
| Average total loans | $352,770,330 | 1,246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 2,516 |
| Cost of funding earning assets | 0.2640% | 5,453 |
| Net interest margin | 4.0374% | 1,637 |
| Noninterest income to average assets | 0.9304% | 1,304 |
| Noninterest expense to average assets | 3.3613% | 1,803 |
| Loan and lease loss provision to assets | 0.1488% | 1,632 |
| Net operating income to assets | 0.8654% | 2,824 |
| Return on assets (ROA) | 0.9029% | 2,703 |
| Pretax return on assets | 1.2185% | 2,400 |
| Return on Equity (ROE) | 11.0436% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.0436% | 737 |
| Net charge-offs to loans | 0.0344% | 2,913 |
| Credit loss provision to net charge-offs | 576.6667% | 489 |
| Earnings coverage of net charge-offs (x) | 51.0333% | 743 |
| Efficiency ratio | 71.8566% | 3,516 |
| Assets per employee ($millions) | 3.1499% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,427 |
| Loan loss allowance to noncurrent loans | 162.4517% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 3,822 |
| Noncurrent loans to loans | 1.0314% | 3,366 |
| Net loans and leases to total assets | 72.1137% | 1,561 |
| Net loans and leases to deposits | 81.3179% | 2,128 |
| Net loans and leases to core deposits | 88.4814% | 2,042 |
| Total domestic deposits to total assets | 88.6813% | 1,846 |
| Equity capital to assets | 8.0572% | 6,014 |
| Core capital (leverage) ratio | 7.7603% | 6,238 |
| Tier 1 risk-based capital ratio | 11.4482% | 5,943 |
| Total risk-based capital ratio | 12.7283% | 5,873 |
| Memoranda: | ||
| Average total assets | $465,170,500 | 1,448 |
| Average earning assets | $431,765,500 | 1,437 |
| Average equity | $38,031,000 | 1,851 |
| Average total loans | $349,009,500 | 1,257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 2,421 |
| Cost of funding earning assets | 0.3348% | 5,284 |
| Net interest margin | 4.1082% | 1,617 |
| Noninterest income to average assets | 1.1248% | 1,111 |
| Noninterest expense to average assets | 3.5059% | 1,633 |
| Loan and lease loss provision to assets | 0.1452% | 2,483 |
| Net operating income to assets | 0.8944% | 2,811 |
| Return on assets (ROA) | 0.8944% | 2,899 |
| Pretax return on assets | 1.2722% | 2,260 |
| Return on Equity (ROE) | 10.7770% | 1,836 |
| Retained earnings to average equity (ytd only) | 6.0364% | 1,948 |
| Net charge-offs to loans | 0.1211% | 3,602 |
| Credit loss provision to net charge-offs | 158.6207% | 1,445 |
| Earnings coverage of net charge-offs (x) | 15.4852% | 1,862 |
| Efficiency ratio | 71.2107% | 3,625 |
| Assets per employee ($millions) | 2.9132% | 5,968 |
| Cash dividends to net income (ytd only)* | 43.9879% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 2,550 |
| Loan loss allowance to noncurrent loans | 204.8163% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 4,340 |
| Noncurrent loans to loans | 0.8081% | 3,954 |
| Net loans and leases to total assets | 75.5442% | 1,139 |
| Net loans and leases to deposits | 85.7665% | 1,715 |
| Net loans and leases to core deposits | 92.5008% | 1,732 |
| Total domestic deposits to total assets | 88.0813% | 2,128 |
| Equity capital to assets | 8.3014% | 5,778 |
| Core capital (leverage) ratio | 7.8710% | 6,210 |
| Tier 1 risk-based capital ratio | 11.4558% | 5,929 |
| Total risk-based capital ratio | 12.7361% | 5,852 |
| Memoranda: | ||
| Average total assets | $443,560,600 | 1,496 |
| Average earning assets | $410,128,000 | 1,480 |
| Average equity | $36,810,000 | 1,876 |
| Average total loans | $335,214,000 | 1,273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 2,346 |
| Cost of funding earning assets | 0.3473% | 5,320 |
| Net interest margin | 4.1223% | 1,564 |
| Noninterest income to average assets | 1.1764% | 1,062 |
| Noninterest expense to average assets | 3.4978% | 1,618 |
| Loan and lease loss provision to assets | 0.1570% | 2,298 |
| Net operating income to assets | 0.9291% | 2,693 |
| Return on assets (ROA) | 0.9291% | 2,803 |
| Pretax return on assets | 1.3280% | 2,219 |
| Return on Equity (ROE) | 11.1966% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.5439% | 1,215 |
| Net charge-offs to loans | 0.1485% | 3,056 |
| Credit loss provision to net charge-offs | 140.5405% | 1,673 |
| Earnings coverage of net charge-offs (x) | 13.2919% | 2,041 |
| Efficiency ratio | 70.1976% | 3,727 |
| Assets per employee ($millions) | 2.8775% | 6,038 |
| Cash dividends to net income (ytd only)* | 23.6920% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 2,774 |
| Loan loss allowance to noncurrent loans | 178.2156% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 4,141 |
| Noncurrent loans to loans | 0.9297% | 3,955 |
| Net loans and leases to total assets | 76.2114% | 976 |
| Net loans and leases to deposits | 86.9330% | 1,499 |
| Net loans and leases to core deposits | 94.8960% | 1,490 |
| Total domestic deposits to total assets | 87.6669% | 2,313 |
| Equity capital to assets | 8.5471% | 5,678 |
| Core capital (leverage) ratio | 7.9671% | 6,243 |
| Tier 1 risk-based capital ratio | 11.6008% | 6,005 |
| Total risk-based capital ratio | 12.8835% | 5,953 |
| Memoranda: | ||
| Average total assets | $441,563,250 | 1,512 |
| Average earning assets | $407,724,250 | 1,496 |
| Average equity | $36,641,250 | 1,904 |
| Average total loans | $332,302,250 | 1,289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,389 |
| Cost of funding earning assets | 0.3556% | 5,347 |
| Net interest margin | 4.0930% | 1,561 |
| Noninterest income to average assets | 1.2688% | 963 |
| Noninterest expense to average assets | 3.5335% | 1,533 |
| Loan and lease loss provision to assets | 0.1864% | 2,026 |
| Net operating income to assets | 0.9335% | 2,650 |
| Return on assets (ROA) | 0.9335% | 2,782 |
| Pretax return on assets | 1.3348% | 2,173 |
| Return on Equity (ROE) | 11.3626% | 1,698 |
| Retained earnings to average equity (ytd only) | 9.3633% | 1,005 |
| Net charge-offs to loans | 0.1852% | 2,645 |
| Credit loss provision to net charge-offs | 135.0820% | 1,675 |
| Earnings coverage of net charge-offs (x) | 11.0230% | 2,099 |
| Efficiency ratio | 69.9042% | 3,848 |
| Assets per employee ($millions) | 2.8195% | 6,138 |
| Cash dividends to net income (ytd only)* | 17.5957% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,850 |
| Loan loss allowance to noncurrent loans | 111.0012% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2024% | 3,340 |
| Noncurrent loans to loans | 1.5144% | 3,029 |
| Net loans and leases to total assets | 75.0781% | 1,095 |
| Net loans and leases to deposits | 85.5382% | 1,618 |
| Net loans and leases to core deposits | 92.4777% | 1,657 |
| Total domestic deposits to total assets | 87.7714% | 2,401 |
| Equity capital to assets | 8.4640% | 5,806 |
| Core capital (leverage) ratio | 7.8040% | 6,307 |
| Tier 1 risk-based capital ratio | 11.6270% | 6,043 |
| Total risk-based capital ratio | 12.9163% | 5,967 |
| Memoranda: | ||
| Average total assets | $442,000,000 | 1,504 |
| Average earning assets | $408,845,670 | 1,489 |
| Average equity | $36,312,000 | 1,926 |
| Average total loans | $329,344,330 | 1,288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 2,524 |
| Cost of funding earning assets | 0.3584% | 5,459 |
| Net interest margin | 4.0421% | 1,639 |
| Noninterest income to average assets | 1.3175% | 887 |
| Noninterest expense to average assets | 3.5331% | 1,556 |
| Loan and lease loss provision to assets | 0.2088% | 1,778 |
| Net operating income to assets | 0.9287% | 2,529 |
| Return on assets (ROA) | 0.9287% | 2,669 |
| Pretax return on assets | 1.3211% | 2,156 |
| Return on Equity (ROE) | 11.4753% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.4753% | 784 |
| Net charge-offs to loans | 0.2421% | 2,000 |
| Credit loss provision to net charge-offs | 117.1717% | 1,626 |
| Earnings coverage of net charge-offs (x) | 8.5859% | 1,931 |
| Efficiency ratio | 69.7831% | 4,009 |
| Assets per employee ($millions) | 2.8379% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,115 |
| Loan loss allowance to noncurrent loans | 107.5563% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2686% | 3,444 |
| Noncurrent loans to loans | 1.5571% | 3,210 |
| Net loans and leases to total assets | 72.9614% | 1,210 |
| Net loans and leases to deposits | 82.8474% | 1,726 |
| Net loans and leases to core deposits | 88.7926% | 1,827 |
| Total domestic deposits to total assets | 88.0672% | 2,269 |
| Equity capital to assets | 8.1952% | 6,253 |
| Core capital (leverage) ratio | 7.4603% | 6,485 |
| Tier 1 risk-based capital ratio | 11.4306% | 6,222 |
| Total risk-based capital ratio | 12.7244% | 6,173 |
| Memoranda: | ||
| Average total assets | $444,487,500 | 1,509 |
| Average earning assets | $411,867,500 | 1,490 |
| Average equity | $35,973,000 | 1,963 |
| Average total loans | $327,156,500 | 1,299 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 2,018 |
| Cost of funding earning assets | 0.4247% | 5,754 |
| Net interest margin | 4.4256% | 1,103 |
| Noninterest income to average assets | 1.2413% | 1,014 |
| Noninterest expense to average assets | 3.7053% | 1,403 |
| Loan and lease loss provision to assets | 0.3066% | 2,229 |
| Net operating income to assets | 0.9201% | 2,711 |
| Return on assets (ROA) | 0.9201% | 2,950 |
| Pretax return on assets | 1.2917% | 2,443 |
| Return on Equity (ROE) | 10.7204% | 1,900 |
| Retained earnings to average equity (ytd only) | 5.7103% | 2,245 |
| Net charge-offs to loans | 0.4233% | 2,543 |
| Credit loss provision to net charge-offs | 91.8819% | 3,397 |
| Earnings coverage of net charge-offs (x) | 4.7897% | 3,255 |
| Efficiency ratio | 69.8630% | 3,845 |
| Assets per employee ($millions) | 2.8244% | 6,281 |
| Cash dividends to net income (ytd only)* | 46.7345% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 2,931 |
| Loan loss allowance to noncurrent loans | 107.7963% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 3,458 |
| Noncurrent loans to loans | 1.5771% | 3,255 |
| Net loans and leases to total assets | 71.7582% | 1,523 |
| Net loans and leases to deposits | 81.2876% | 2,112 |
| Net loans and leases to core deposits | 87.8367% | 2,107 |
| Total domestic deposits to total assets | 88.2769% | 2,043 |
| Equity capital to assets | 7.9906% | 6,414 |
| Core capital (leverage) ratio | 7.8796% | 6,296 |
| Tier 1 risk-based capital ratio | 11.3604% | 6,183 |
| Total risk-based capital ratio | 12.6447% | 6,134 |
| Memoranda: | ||
| Average total assets | $406,038,400 | 1,614 |
| Average earning assets | $372,721,800 | 1,604 |
| Average equity | $34,849,400 | 1,990 |
| Average total loans | $320,096,400 | 1,315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 1,740 |
| Cost of funding earning assets | 0.4445% | 5,833 |
| Net interest margin | 4.5360% | 929 |
| Noninterest income to average assets | 1.1653% | 1,122 |
| Noninterest expense to average assets | 3.6545% | 1,446 |
| Loan and lease loss provision to assets | 0.2316% | 2,726 |
| Net operating income to assets | 1.0150% | 2,427 |
| Return on assets (ROA) | 1.0150% | 2,662 |
| Pretax return on assets | 1.4362% | 2,130 |
| Return on Equity (ROE) | 11.6028% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.7751% | 1,313 |
| Net charge-offs to loans | 0.3216% | 2,837 |
| Credit loss provision to net charge-offs | 89.4805% | 3,313 |
| Earnings coverage of net charge-offs (x) | 6.4442% | 2,790 |
| Efficiency ratio | 68.6644% | 3,937 |
| Assets per employee ($millions) | 2.6218% | 6,576 |
| Cash dividends to net income (ytd only)* | 24.3709% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 3,050 |
| Loan loss allowance to noncurrent loans | 103.1320% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 3,466 |
| Noncurrent loans to loans | 1.6735% | 3,278 |
| Net loans and leases to total assets | 78.0166% | 727 |
| Net loans and leases to deposits | 89.6370% | 1,194 |
| Net loans and leases to core deposits | 95.2297% | 1,466 |
| Total domestic deposits to total assets | 87.0362% | 2,647 |
| Equity capital to assets | 8.8487% | 5,982 |
| Core capital (leverage) ratio | 8.1673% | 6,170 |
| Tier 1 risk-based capital ratio | 11.5882% | 6,176 |
| Total risk-based capital ratio | 12.8690% | 6,129 |
| Memoranda: | ||
| Average total assets | $396,690,250 | 1,669 |
| Average earning assets | $363,540,250 | 1,665 |
| Average equity | $34,703,500 | 2,011 |
| Average total loans | $319,195,250 | 1,331 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 1,660 |
| Cost of funding earning assets | 0.4622% | 5,891 |
| Net interest margin | 4.5897% | 848 |
| Noninterest income to average assets | 1.0767% | 1,234 |
| Noninterest expense to average assets | 3.5711% | 1,641 |
| Loan and lease loss provision to assets | 0.2115% | 2,961 |
| Net operating income to assets | 1.0610% | 2,200 |
| Return on assets (ROA) | 1.0610% | 2,431 |
| Pretax return on assets | 1.4947% | 1,862 |
| Return on Equity (ROE) | 12.1761% | 1,614 |
| Retained earnings to average equity (ytd only) | 10.0750% | 956 |
| Net charge-offs to loans | 0.0803% | 4,343 |
| Credit loss provision to net charge-offs | 325.7813% | 910 |
| Earnings coverage of net charge-offs (x) | 26.2813% | 1,171 |
| Efficiency ratio | 67.6694% | 4,195 |
| Assets per employee ($millions) | 2.6253% | 6,629 |
| Cash dividends to net income (ytd only)* | 17.2562% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,741 |
| Loan loss allowance to noncurrent loans | 164.2181% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 4,033 |
| Noncurrent loans to loans | 1.1185% | 4,282 |
| Net loans and leases to total assets | 78.5257% | 670 |
| Net loans and leases to deposits | 90.0986% | 1,139 |
| Net loans and leases to core deposits | 95.6324% | 1,463 |
| Total domestic deposits to total assets | 87.1552% | 2,682 |
| Equity capital to assets | 8.7508% | 5,967 |
| Core capital (leverage) ratio | 8.0713% | 6,192 |
| Tier 1 risk-based capital ratio | 11.4031% | 6,276 |
| Total risk-based capital ratio | 12.6811% | 6,234 |
| Memoranda: | ||
| Average total assets | $394,335,670 | 1,681 |
| Average earning assets | $360,898,330 | 1,675 |
| Average equity | $34,362,330 | 2,016 |
| Average total loans | $318,751,330 | 1,331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 1,491 |
| Cost of funding earning assets | 0.4902% | 5,873 |
| Net interest margin | 4.6419% | 759 |
| Noninterest income to average assets | 1.0884% | 1,215 |
| Noninterest expense to average assets | 3.4955% | 1,775 |
| Loan and lease loss provision to assets | 0.2416% | 2,532 |
| Net operating income to assets | 1.1232% | 1,974 |
| Return on assets (ROA) | 1.1232% | 2,161 |
| Pretax return on assets | 1.5983% | 1,587 |
| Return on Equity (ROE) | 12.9177% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.9177% | 692 |
| Net charge-offs to loans | 0.0101% | 4,582 |
| Credit loss provision to net charge-offs | 2,950.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 224.6250% | 157 |
| Efficiency ratio | 65.5153% | 4,651 |
| Assets per employee ($millions) | 2.7132% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 2,900 |
| Loan loss allowance to noncurrent loans | 179.2268% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 4,104 |
| Noncurrent loans to loans | 1.0188% | 4,640 |
| Net loans and leases to total assets | 78.7421% | 521 |
| Net loans and leases to deposits | 92.1073% | 790 |
| Net loans and leases to core deposits | 97.9405% | 1,128 |
| Total domestic deposits to total assets | 85.4895% | 3,800 |
| Equity capital to assets | 8.6592% | 5,920 |
| Core capital (leverage) ratio | 8.0172% | 6,245 |
| Tier 1 risk-based capital ratio | 11.1913% | 6,450 |
| Total risk-based capital ratio | 12.4753% | 6,413 |
| Memoranda: | ||
| Average total assets | $390,670,500 | 1,704 |
| Average earning assets | $357,440,000 | 1,697 |
| Average equity | $33,969,000 | 2,039 |
| Average total loans | $317,470,500 | 1,336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 1,462 |
| Cost of funding earning assets | 0.5805% | 6,185 |
| Net interest margin | 4.8006% | 621 |
| Noninterest income to average assets | 1.1225% | 1,049 |
| Noninterest expense to average assets | 3.6736% | 1,587 |
| Loan and lease loss provision to assets | 0.5252% | 1,995 |
| Net operating income to assets | 0.9300% | 2,485 |
| Return on assets (ROA) | 0.9494% | 2,536 |
| Pretax return on assets | 1.3674% | 1,888 |
| Return on Equity (ROE) | 10.5438% | 1,863 |
| Retained earnings to average equity (ytd only) | 5.4028% | 2,369 |
| Net charge-offs to loans | 0.3606% | 3,602 |
| Credit loss provision to net charge-offs | 174.4080% | 1,513 |
| Earnings coverage of net charge-offs (x) | 6.1913% | 2,569 |
| Efficiency ratio | 66.3349% | 4,698 |
| Assets per employee ($millions) | 2.6380% | 6,675 |
| Cash dividends to net income (ytd only)* | 48.7579% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,930 |
| Loan loss allowance to noncurrent loans | 164.5558% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 4,011 |
| Noncurrent loans to loans | 1.0827% | 4,547 |
| Net loans and leases to total assets | 80.8970% | 413 |
| Net loans and leases to deposits | 95.2864% | 726 |
| Net loans and leases to core deposits | 100.0107% | 1,177 |
| Total domestic deposits to total assets | 84.8988% | 3,903 |
| Equity capital to assets | 8.7324% | 5,865 |
| Core capital (leverage) ratio | 8.1433% | 6,080 |
| Tier 1 risk-based capital ratio | 10.8368% | 6,539 |
| Total risk-based capital ratio | 12.1073% | 6,510 |
| Memoranda: | ||
| Average total assets | $364,633,200 | 1,779 |
| Average earning assets | $335,375,000 | 1,767 |
| Average equity | $32,834,600 | 2,032 |
| Average total loans | $304,527,200 | 1,394 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4257% | 1,439 |
| Cost of funding earning assets | 0.5919% | 6,317 |
| Net interest margin | 4.8338% | 583 |
| Noninterest income to average assets | 1.0469% | 1,223 |
| Noninterest expense to average assets | 3.6482% | 1,603 |
| Loan and lease loss provision to assets | 0.4546% | 2,184 |
| Net operating income to assets | 0.9814% | 2,387 |
| Return on assets (ROA) | 0.9814% | 2,546 |
| Pretax return on assets | 1.4034% | 1,936 |
| Return on Equity (ROE) | 10.8115% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.8507% | 1,565 |
| Net charge-offs to loans | 0.1303% | 4,745 |
| Credit loss provision to net charge-offs | 416.2712% | 681 |
| Earnings coverage of net charge-offs (x) | 17.0137% | 1,368 |
| Efficiency ratio | 66.2566% | 4,676 |
| Assets per employee ($millions) | 2.5569% | 6,828 |
| Cash dividends to net income (ytd only)* | 27.3860% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,721 |
| Loan loss allowance to noncurrent loans | 133.4498% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6499% | 3,610 |
| Noncurrent loans to loans | 1.3997% | 4,195 |
| Net loans and leases to total assets | 81.7419% | 378 |
| Net loans and leases to deposits | 97.1335% | 627 |
| Net loans and leases to core deposits | 101.8666% | 1,101 |
| Total domestic deposits to total assets | 84.1542% | 4,154 |
| Equity capital to assets | 9.1147% | 5,623 |
| Core capital (leverage) ratio | 8.4098% | 5,837 |
| Tier 1 risk-based capital ratio | 11.1693% | 6,451 |
| Total risk-based capital ratio | 12.4450% | 6,413 |
| Memoranda: | ||
| Average total assets | $360,165,000 | 1,810 |
| Average earning assets | $332,260,750 | 1,794 |
| Average equity | $32,692,750 | 2,033 |
| Average total loans | $301,896,750 | 1,418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 1,537 |
| Cost of funding earning assets | 0.5965% | 6,478 |
| Net interest margin | 4.8116% | 589 |
| Noninterest income to average assets | 1.0227% | 1,265 |
| Noninterest expense to average assets | 3.6281% | 1,683 |
| Loan and lease loss provision to assets | 0.4895% | 2,011 |
| Net operating income to assets | 0.9595% | 2,396 |
| Return on assets (ROA) | 0.9595% | 2,499 |
| Pretax return on assets | 1.3640% | 1,905 |
| Return on Equity (ROE) | 10.5852% | 1,927 |
| Retained earnings to average equity (ytd only) | 8.3694% | 1,312 |
| Net charge-offs to loans | 0.0506% | 5,147 |
| Credit loss provision to net charge-offs | 1,151.3158% | 296 |
| Earnings coverage of net charge-offs (x) | 43.5921% | 700 |
| Efficiency ratio | 66.1870% | 4,840 |
| Assets per employee ($millions) | 2.4996% | 6,907 |
| Cash dividends to net income (ytd only)* | 20.9329% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,950 |
| Loan loss allowance to noncurrent loans | 99.4667% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 3,620 |
| Noncurrent loans to loans | 1.8217% | 3,722 |
| Net loans and leases to total assets | 83.6469% | 263 |
| Net loans and leases to deposits | 97.3859% | 628 |
| Net loans and leases to core deposits | 102.3465% | 1,155 |
| Total domestic deposits to total assets | 85.8922% | 3,383 |
| Equity capital to assets | 9.1186% | 5,398 |
| Core capital (leverage) ratio | 8.4514% | 5,630 |
| Tier 1 risk-based capital ratio | 10.8279% | 6,636 |
| Total risk-based capital ratio | 12.1178% | 6,586 |
| Memoranda: | ||
| Average total assets | $357,487,330 | 1,835 |
| Average earning assets | $331,282,670 | 1,804 |
| Average equity | $32,403,670 | 2,036 |
| Average total loans | $300,295,330 | 1,446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 1,516 |
| Cost of funding earning assets | 0.6019% | 6,609 |
| Net interest margin | 4.8118% | 559 |
| Noninterest income to average assets | 1.0186% | 1,272 |
| Noninterest expense to average assets | 3.6134% | 1,740 |
| Loan and lease loss provision to assets | 0.5870% | 1,467 |
| Net operating income to assets | 0.9081% | 2,521 |
| Return on assets (ROA) | 0.9081% | 2,581 |
| Pretax return on assets | 1.2766% | 2,113 |
| Return on Equity (ROE) | 10.0497% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.0497% | 1,108 |
| Net charge-offs to loans | 0.0176% | 4,833 |
| Credit loss provision to net charge-offs | 4,007.6923% | 89 |
| Earnings coverage of net charge-offs (x) | 127.2308% | 251 |
| Efficiency ratio | 65.9741% | 5,041 |
| Assets per employee ($millions) | 2.5377% | 6,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 3,117 |
| Loan loss allowance to noncurrent loans | 99.3444% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 3,717 |
| Noncurrent loans to loans | 1.7762% | 3,853 |
| Net loans and leases to total assets | 81.3681% | 405 |
| Net loans and leases to deposits | 91.3354% | 1,080 |
| Net loans and leases to core deposits | 95.7628% | 1,692 |
| Total domestic deposits to total assets | 89.0871% | 1,722 |
| Equity capital to assets | 8.9531% | 5,278 |
| Core capital (leverage) ratio | 8.3897% | 5,647 |
| Tier 1 risk-based capital ratio | 10.8516% | 6,608 |
| Total risk-based capital ratio | 12.1415% | 6,558 |
| Memoranda: | ||
| Average total assets | $355,008,000 | 1,859 |
| Average earning assets | $328,944,500 | 1,823 |
| Average equity | $32,080,500 | 2,042 |
| Average total loans | $296,058,000 | 1,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 2,120 |
| Cost of funding earning assets | 0.7205% | 6,822 |
| Net interest margin | 4.8208% | 647 |
| Noninterest income to average assets | 1.1524% | 1,112 |
| Noninterest expense to average assets | 3.8415% | 1,413 |
| Loan and lease loss provision to assets | 0.5796% | 2,815 |
| Net operating income to assets | 0.8456% | 2,607 |
| Return on assets (ROA) | 0.8824% | 2,594 |
| Pretax return on assets | 1.2352% | 2,121 |
| Return on Equity (ROE) | 9.4474% | 2,131 |
| Retained earnings to average equity (ytd only) | 4.2307% | 2,879 |
| Net charge-offs to loans | 0.1998% | 5,092 |
| Credit loss provision to net charge-offs | 352.9946% | 730 |
| Earnings coverage of net charge-offs (x) | 10.7368% | 1,677 |
| Efficiency ratio | 68.5436% | 4,449 |
| Assets per employee ($millions) | 2.4619% | 7,063 |
| Cash dividends to net income (ytd only)* | 55.2178% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 3,410 |
| Loan loss allowance to noncurrent loans | 89.6281% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 3,751 |
| Noncurrent loans to loans | 1.8355% | 3,774 |
| Net loans and leases to total assets | 82.6039% | 407 |
| Net loans and leases to deposits | 94.5740% | 1,005 |
| Net loans and leases to core deposits | 101.0801% | 1,529 |
| Total domestic deposits to total assets | 87.3431% | 2,642 |
| Equity capital to assets | 9.1239% | 4,955 |
| Core capital (leverage) ratio | 8.5032% | 5,359 |
| Tier 1 risk-based capital ratio | 10.7039% | 6,565 |
| Total risk-based capital ratio | 11.9878% | 6,510 |
| Memoranda: | ||
| Average total assets | $335,568,200 | 1,939 |
| Average earning assets | $309,907,200 | 1,917 |
| Average equity | $31,342,000 | 2,093 |
| Average total loans | $275,807,400 | 1,619 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5331% | 2,317 |
| Cost of funding earning assets | 0.7514% | 6,907 |
| Net interest margin | 4.7817% | 701 |
| Noninterest income to average assets | 1.0913% | 1,197 |
| Noninterest expense to average assets | 3.8086% | 1,364 |
| Loan and lease loss provision to assets | 0.5178% | 2,863 |
| Net operating income to assets | 0.8547% | 2,798 |
| Return on assets (ROA) | 0.9050% | 2,732 |
| Pretax return on assets | 1.2520% | 2,325 |
| Return on Equity (ROE) | 9.6309% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.5727% | 2,056 |
| Net charge-offs to loans | 0.2334% | 4,541 |
| Credit loss provision to net charge-offs | 271.4286% | 1,206 |
| Earnings coverage of net charge-offs (x) | 8.9118% | 2,093 |
| Efficiency ratio | 69.1379% | 4,239 |
| Assets per employee ($millions) | 2.4153% | 7,180 |
| Cash dividends to net income (ytd only)* | 31.7539% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 4,049 |
| Loan loss allowance to noncurrent loans | 98.6205% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 4,156 |
| Noncurrent loans to loans | 1.5018% | 4,384 |
| Net loans and leases to total assets | 82.9747% | 413 |
| Net loans and leases to deposits | 93.8728% | 1,217 |
| Net loans and leases to core deposits | 98.2147% | 2,020 |
| Total domestic deposits to total assets | 88.3905% | 1,734 |
| Equity capital to assets | 9.4403% | 4,933 |
| Core capital (leverage) ratio | 8.6193% | 5,315 |
| Tier 1 risk-based capital ratio | 10.9178% | 6,446 |
| Total risk-based capital ratio | 12.2022% | 6,405 |
| Memoranda: | ||
| Average total assets | $332,679,500 | 1,983 |
| Average earning assets | $307,329,000 | 1,965 |
| Average equity | $31,259,750 | 2,111 |
| Average total loans | $271,876,000 | 1,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 2,373 |
| Cost of funding earning assets | 0.7911% | 6,942 |
| Net interest margin | 4.7479% | 726 |
| Noninterest income to average assets | 1.0796% | 1,147 |
| Noninterest expense to average assets | 3.7641% | 1,428 |
| Loan and lease loss provision to assets | 0.4981% | 2,805 |
| Net operating income to assets | 0.8741% | 2,645 |
| Return on assets (ROA) | 0.9509% | 2,447 |
| Pretax return on assets | 1.3051% | 2,070 |
| Return on Equity (ROE) | 10.1355% | 2,055 |
| Retained earnings to average equity (ytd only) | 7.8288% | 1,499 |
| Net charge-offs to loans | 0.2833% | 3,922 |
| Credit loss provision to net charge-offs | 217.4142% | 1,795 |
| Earnings coverage of net charge-offs (x) | 7.4116% | 2,300 |
| Efficiency ratio | 68.9132% | 4,395 |
| Assets per employee ($millions) | 2.3847% | 7,245 |
| Cash dividends to net income (ytd only)* | 22.7591% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,376 |
| Loan loss allowance to noncurrent loans | 106.8018% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2857% | 4,580 |
| Noncurrent loans to loans | 1.3201% | 4,746 |
| Net loans and leases to total assets | 80.0076% | 800 |
| Net loans and leases to deposits | 90.3891% | 1,793 |
| Net loans and leases to core deposits | 94.6586% | 2,627 |
| Total domestic deposits to total assets | 88.5147% | 1,720 |
| Equity capital to assets | 9.3868% | 4,880 |
| Core capital (leverage) ratio | 8.6047% | 5,229 |
| Tier 1 risk-based capital ratio | 10.8265% | 6,424 |
| Total risk-based capital ratio | 12.0998% | 6,391 |
| Memoranda: | ||
| Average total assets | $330,860,330 | 2,007 |
| Average earning assets | $305,399,000 | 1,997 |
| Average equity | $31,039,330 | 2,122 |
| Average total loans | $267,572,670 | 1,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5586% | 2,331 |
| Cost of funding earning assets | 0.8419% | 6,966 |
| Net interest margin | 4.7167% | 757 |
| Noninterest income to average assets | 1.1055% | 1,032 |
| Noninterest expense to average assets | 3.7675% | 1,376 |
| Loan and lease loss provision to assets | 0.5290% | 2,384 |
| Net operating income to assets | 0.8782% | 2,639 |
| Return on assets (ROA) | 1.0373% | 2,103 |
| Pretax return on assets | 1.3846% | 1,821 |
| Return on Equity (ROE) | 11.0598% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.0598% | 908 |
| Net charge-offs to loans | 0.3276% | 3,095 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 6.4332% | 2,225 |
| Efficiency ratio | 68.8879% | 4,529 |
| Assets per employee ($millions) | 2.3610% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,681 |
| Loan loss allowance to noncurrent loans | 68.9465% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.6721% | 3,964 |
| Noncurrent loans to loans | 1.9573% | 3,848 |
| Net loans and leases to total assets | 81.1984% | 685 |
| Net loans and leases to deposits | 92.2723% | 1,576 |
| Net loans and leases to core deposits | 95.3967% | 2,652 |
| Total domestic deposits to total assets | 87.9986% | 2,062 |
| Equity capital to assets | 9.5577% | 4,442 |
| Core capital (leverage) ratio | 8.5711% | 5,254 |
| Tier 1 risk-based capital ratio | 10.8488% | 6,295 |
| Total risk-based capital ratio | 12.1099% | 6,269 |
| Memoranda: | ||
| Average total assets | $328,171,500 | 2,080 |
| Average earning assets | $303,603,000 | 2,061 |
| Average equity | $30,778,000 | 2,160 |
| Average total loans | $264,927,500 | 1,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 2,968 |
| Cost of funding earning assets | 1.2289% | 6,555 |
| Net interest margin | 4.4997% | 1,179 |
| Noninterest income to average assets | 1.4830% | 651 |
| Noninterest expense to average assets | 4.0227% | 1,328 |
| Loan and lease loss provision to assets | 0.4986% | 3,882 |
| Net operating income to assets | 0.7187% | 2,857 |
| Return on assets (ROA) | 0.7633% | 2,761 |
| Pretax return on assets | 1.1587% | 2,070 |
| Return on Equity (ROE) | 7.9738% | 2,386 |
| Retained earnings to average equity (ytd only) | 1.3196% | 4,122 |
| Net charge-offs to loans | 0.2910% | 4,815 |
| Credit loss provision to net charge-offs | 211.0963% | 1,816 |
| Earnings coverage of net charge-offs (x) | 6.7299% | 2,301 |
| Efficiency ratio | 71.5901% | 4,333 |
| Assets per employee ($millions) | 2.4126% | 7,340 |
| Cash dividends to net income (ytd only)* | 83.4506% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,770 |
| Loan loss allowance to noncurrent loans | 75.6504% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 4,221 |
| Noncurrent loans to loans | 1.7185% | 4,061 |
| Net loans and leases to total assets | 78.1409% | 1,348 |
| Net loans and leases to deposits | 90.6818% | 2,109 |
| Net loans and leases to core deposits | 98.1109% | 4,210 |
| Total domestic deposits to total assets | 86.1704% | 2,919 |
| Equity capital to assets | 9.2022% | 4,842 |
| Core capital (leverage) ratio | 8.5671% | 5,160 |
| Tier 1 risk-based capital ratio | 10.8062% | 6,108 |
| Total risk-based capital ratio | 12.0572% | 6,080 |
| Memoranda: | ||
| Average total assets | $316,655,600 | 2,123 |
| Average earning assets | $290,596,800 | 2,125 |
| Average equity | $30,311,600 | 2,204 |
| Average total loans | $257,005,200 | 1,853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8297% | 2,750 |
| Cost of funding earning assets | 1.3059% | 6,539 |
| Net interest margin | 4.5239% | 1,133 |
| Noninterest income to average assets | 1.5249% | 636 |
| Noninterest expense to average assets | 4.0665% | 1,188 |
| Loan and lease loss provision to assets | 0.4832% | 3,485 |
| Net operating income to assets | 0.7441% | 3,046 |
| Return on assets (ROA) | 0.8042% | 2,860 |
| Pretax return on assets | 1.2120% | 2,227 |
| Return on Equity (ROE) | 8.3162% | 2,510 |
| Retained earnings to average equity (ytd only) | 3.4647% | 3,361 |
| Net charge-offs to loans | 0.2434% | 4,527 |
| Credit loss provision to net charge-offs | 243.0407% | 1,791 |
| Earnings coverage of net charge-offs (x) | 8.0685% | 2,311 |
| Efficiency ratio | 71.5991% | 4,315 |
| Assets per employee ($millions) | 2.3230% | 7,470 |
| Cash dividends to net income (ytd only)* | 58.3380% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,831 |
| Loan loss allowance to noncurrent loans | 63.0401% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,621 |
| Noncurrent loans to loans | 1.9828% | 3,666 |
| Net loans and leases to total assets | 80.4067% | 1,106 |
| Net loans and leases to deposits | 94.3413% | 1,824 |
| Net loans and leases to core deposits | 103.4024% | 4,009 |
| Total domestic deposits to total assets | 85.2296% | 3,111 |
| Equity capital to assets | 9.6735% | 4,527 |
| Core capital (leverage) ratio | 8.8792% | 4,843 |
| Tier 1 risk-based capital ratio | 11.2194% | 5,725 |
| Total risk-based capital ratio | 12.5028% | 5,635 |
| Memoranda: | ||
| Average total assets | $313,186,750 | 2,155 |
| Average earning assets | $287,004,250 | 2,157 |
| Average equity | $30,285,500 | 2,234 |
| Average total loans | $255,836,000 | 1,881 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 2,815 |
| Cost of funding earning assets | 1.4071% | 6,452 |
| Net interest margin | 4.4413% | 1,310 |
| Noninterest income to average assets | 1.6019% | 587 |
| Noninterest expense to average assets | 3.9820% | 1,342 |
| Loan and lease loss provision to assets | 0.5252% | 2,920 |
| Net operating income to assets | 0.7977% | 2,865 |
| Return on assets (ROA) | 0.8469% | 2,772 |
| Pretax return on assets | 1.2250% | 2,230 |
| Return on Equity (ROE) | 8.7587% | 2,446 |
| Retained earnings to average equity (ytd only) | 3.8979% | 3,115 |
| Net charge-offs to loans | 0.2764% | 3,815 |
| Credit loss provision to net charge-offs | 232.3864% | 1,991 |
| Earnings coverage of net charge-offs (x) | 7.4290% | 2,443 |
| Efficiency ratio | 70.1713% | 4,743 |
| Assets per employee ($millions) | 2.3089% | 7,539 |
| Cash dividends to net income (ytd only)* | 55.4966% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,961 |
| Loan loss allowance to noncurrent loans | 58.2247% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 3,188 |
| Noncurrent loans to loans | 2.0575% | 3,440 |
| Net loans and leases to total assets | 79.7643% | 1,350 |
| Net loans and leases to deposits | 93.7065% | 2,137 |
| Net loans and leases to core deposits | 102.8793% | 4,195 |
| Total domestic deposits to total assets | 85.1214% | 3,206 |
| Equity capital to assets | 9.6824% | 4,376 |
| Core capital (leverage) ratio | 8.7581% | 4,994 |
| Tier 1 risk-based capital ratio | 11.3214% | 5,571 |
| Total risk-based capital ratio | 12.5676% | 5,476 |
| Memoranda: | ||
| Average total assets | $311,498,330 | 2,189 |
| Average earning assets | $284,692,670 | 2,199 |
| Average equity | $30,118,670 | 2,255 |
| Average total loans | $254,736,330 | 1,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 2,700 |
| Cost of funding earning assets | 1.4845% | 6,451 |
| Net interest margin | 4.4352% | 1,266 |
| Noninterest income to average assets | 1.5691% | 562 |
| Noninterest expense to average assets | 3.9556% | 1,239 |
| Loan and lease loss provision to assets | 0.3649% | 3,133 |
| Net operating income to assets | 0.8883% | 2,744 |
| Return on assets (ROA) | 0.8883% | 2,895 |
| Pretax return on assets | 1.2932% | 2,302 |
| Return on Equity (ROE) | 9.1940% | 2,639 |
| Retained earnings to average equity (ytd only) | 4.1900% | 3,582 |
| Net charge-offs to loans | 0.0893% | 4,278 |
| Credit loss provision to net charge-offs | 496.4912% | 1,098 |
| Earnings coverage of net charge-offs (x) | 22.5614% | 1,312 |
| Efficiency ratio | 70.1194% | 4,554 |
| Assets per employee ($millions) | 2.2818% | 7,617 |
| Cash dividends to net income (ytd only)* | 54.4267% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,499 |
| Loan loss allowance to noncurrent loans | 67.8883% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 3,530 |
| Noncurrent loans to loans | 1.6152% | 3,853 |
| Net loans and leases to total assets | 79.5411% | 1,467 |
| Net loans and leases to deposits | 93.5736% | 2,348 |
| Net loans and leases to core deposits | 102.6660% | 4,271 |
| Total domestic deposits to total assets | 85.0038% | 3,206 |
| Equity capital to assets | 9.5107% | 4,649 |
| Core capital (leverage) ratio | 8.7029% | 5,143 |
| Tier 1 risk-based capital ratio | 11.0643% | 5,845 |
| Total risk-based capital ratio | 12.1935% | 5,859 |
| Memoranda: | ||
| Average total assets | $310,240,500 | 2,214 |
| Average earning assets | $282,917,000 | 2,226 |
| Average equity | $29,976,000 | 2,277 |
| Average total loans | $255,350,500 | 1,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4340% | 3,260 |
| Cost of funding earning assets | 1.7924% | 7,029 |
| Net interest margin | 4.6416% | 1,073 |
| Noninterest income to average assets | 1.1875% | 1,079 |
| Noninterest expense to average assets | 3.7854% | 1,780 |
| Loan and lease loss provision to assets | 0.2211% | 4,674 |
| Net operating income to assets | 0.8601% | 3,176 |
| Return on assets (ROA) | 0.5235% | 4,491 |
| Pretax return on assets | 0.8426% | 3,920 |
| Return on Equity (ROE) | 5.1113% | 4,326 |
| Retained earnings to average equity (ytd only) | -2.9166% | 6,087 |
| Net charge-offs to loans | 0.1875% | 4,323 |
| Credit loss provision to net charge-offs | 143.3839% | 3,689 |
| Earnings coverage of net charge-offs (x) | 10.3080% | 2,535 |
| Efficiency ratio | 70.0523% | 4,340 |
| Assets per employee ($millions) | 2.1360% | 7,788 |
| Cash dividends to net income (ytd only)* | 157.0607% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,982 |
| Loan loss allowance to noncurrent loans | 64.9735% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 3,150 |
| Noncurrent loans to loans | 1.5480% | 3,470 |
| Net loans and leases to total assets | 83.4300% | 971 |
| Net loans and leases to deposits | 98.7223% | 2,021 |
| Net loans and leases to core deposits | 109.7691% | 3,797 |
| Total domestic deposits to total assets | 84.5097% | 3,074 |
| Equity capital to assets | 9.8205% | 4,261 |
| Core capital (leverage) ratio | 8.9417% | 4,828 |
| Tier 1 risk-based capital ratio | 11.0318% | 5,696 |
| Total risk-based capital ratio | 12.0786% | 5,789 |
| Memoranda: | ||
| Average total assets | $298,941,800 | 2,208 |
| Average earning assets | $269,691,600 | 2,233 |
| Average equity | $30,618,200 | 2,205 |
| Average total loans | $245,889,800 | 1,935 |