Home > Crown Bank > Performance and Condition Ratios
Crown 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 | 6.5453% | 338 |
| Cost of funding earning assets | 1.3193% | 2,463 |
| Net interest margin | 5.2260% | 256 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.1433% | 3,281 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.9859% | 164 |
| Return on assets (ROA) | 2.9859% | 162 |
| Pretax return on assets | 3.3173% | 164 |
| Return on Equity (ROE) | 12.2200% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.2576% | 2,151 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.1899% | 4,381 |
| Assets per employee ($millions) | 8.3009% | 1,278 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 3,828 |
| Loan loss allowance to noncurrent loans | 17.5197% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 6.5246% | 18 |
| Noncurrent loans to loans | 4.9047% | 52 |
| Net loans and leases to total assets | 86.0400% | 157 |
| Net loans and leases to deposits | 124.4284% | 60 |
| Net loans and leases to core deposits | 157.7942% | 165 |
| Total domestic deposits to total assets | 69.1500% | 4,318 |
| Equity capital to assets | 23.7475% | 212 |
| Core capital (leverage) ratio | 25.0012% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $558,864,000 | 1,588 |
| Average earning assets | $510,962,200 | 1,602 |
| Average equity | $136,586,000 | 725 |
| Average total loans | $479,602,200 | 1,278 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5867% | 284 |
| Cost of funding earning assets | 1.2158% | 2,381 |
| Net interest margin | 5.3709% | 204 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.1305% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.9703% | 185 |
| Return on assets (ROA) | 2.9703% | 186 |
| Pretax return on assets | 3.3034% | 185 |
| Return on Equity (ROE) | 12.0600% | 2,108 |
| Retained earnings to average equity (ytd only) | 5.9276% | 2,656 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.2214% | 4,377 |
| Assets per employee ($millions) | 7.4547% | 1,668 |
| Cash dividends to net income (ytd only)* | 50.8501% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 3,737 |
| Loan loss allowance to noncurrent loans | 16.3848% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 6.9699% | 16 |
| Noncurrent loans to loans | 5.4860% | 42 |
| Net loans and leases to total assets | 85.3800% | 186 |
| Net loans and leases to deposits | 123.7206% | 62 |
| Net loans and leases to core deposits | 147.7365% | 160 |
| Total domestic deposits to total assets | 69.0100% | 4,347 |
| Equity capital to assets | 24.7860% | 202 |
| Core capital (leverage) ratio | 24.3332% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $549,164,250 | 1,614 |
| Average earning assets | $501,707,500 | 1,630 |
| Average equity | $135,250,000 | 727 |
| Average total loans | $469,830,000 | 1,293 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6184% | 233 |
| Cost of funding earning assets | 1.0700% | 2,379 |
| Net interest margin | 5.5484% | 166 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.1460% | 3,231 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 2.9209% | 164 |
| Return on assets (ROA) | 2.9209% | 160 |
| Pretax return on assets | 3.2434% | 172 |
| Return on Equity (ROE) | 11.8900% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,874 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.9850% | 4,395 |
| Assets per employee ($millions) | 7.2485% | 1,750 |
| Cash dividends to net income (ytd only)* | 55.7827% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 3,756 |
| Loan loss allowance to noncurrent loans | 18.6712% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 6.4823% | 24 |
| Noncurrent loans to loans | 4.8653% | 54 |
| Net loans and leases to total assets | 85.0400% | 206 |
| Net loans and leases to deposits | 116.9140% | 116 |
| Net loans and leases to core deposits | 141.9121% | 199 |
| Total domestic deposits to total assets | 72.7300% | 4,264 |
| Equity capital to assets | 25.1025% | 194 |
| Core capital (leverage) ratio | 25.0620% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $545,850,333 | 1,619 |
| Average earning assets | $498,520,333 | 1,638 |
| Average equity | $134,140,000 | 728 |
| Average total loans | $465,867,667 | 1,289 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3895% | 207 |
| Cost of funding earning assets | 0.8574% | 2,516 |
| Net interest margin | 5.5321% | 144 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.0587% | 3,481 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.9465% | 160 |
| Return on assets (ROA) | 2.9465% | 159 |
| Pretax return on assets | 3.2924% | 161 |
| Return on Equity (ROE) | 12.1200% | 2,187 |
| Retained earnings to average equity (ytd only) | 4.1962% | 3,211 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.2837% | 4,484 |
| Assets per employee ($millions) | 7.1788% | 1,837 |
| Cash dividends to net income (ytd only)* | 65.3760% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,600 |
| Loan loss allowance to noncurrent loans | 33.6030% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 4.7686% | 17 |
| Noncurrent loans to loans | 2.9150% | 155 |
| Net loans and leases to total assets | 83.9000% | 244 |
| Net loans and leases to deposits | 117.5850% | 103 |
| Net loans and leases to core deposits | 137.5227% | 202 |
| Total domestic deposits to total assets | 71.3500% | 4,382 |
| Equity capital to assets | 24.6530% | 159 |
| Core capital (leverage) ratio | 24.4406% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $546,956,500 | 1,635 |
| Average earning assets | $499,196,500 | 1,654 |
| Average equity | $132,976,500 | 739 |
| Average total loans | $465,536,000 | 1,298 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6847% | 123 |
| Cost of funding earning assets | 0.2473% | 3,348 |
| Net interest margin | 5.4373% | 90 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 1.9232% | 3,782 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 3.5718% | 88 |
| Return on assets (ROA) | 3.5718% | 85 |
| Pretax return on assets | 3.9299% | 94 |
| Return on Equity (ROE) | 15.9700% | 1,061 |
| Retained earnings to average equity (ytd only) | 9.4394% | 1,339 |
| Net charge-offs to loans | -0.1198% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 33.6014% | 4,626 |
| Assets per employee ($millions) | 7.5113% | 1,609 |
| Cash dividends to net income (ytd only)* | 40.8893% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,180 |
| Loan loss allowance to noncurrent loans | 41.7950% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 4.8335% | 19 |
| Noncurrent loans to loans | 2.9780% | 144 |
| Net loans and leases to total assets | 84.4300% | 229 |
| Net loans and leases to deposits | 118.4598% | 78 |
| Net loans and leases to core deposits | 135.0665% | 184 |
| Total domestic deposits to total assets | 71.2800% | 4,444 |
| Equity capital to assets | 24.2683% | 159 |
| Core capital (leverage) ratio | 23.8737% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $573,571,000 | 1,555 |
| Average earning assets | $532,873,000 | 1,543 |
| Average equity | $128,292,600 | 766 |
| Average total loans | $445,684,000 | 1,280 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 103 |
| Cost of funding earning assets | 0.1640% | 3,694 |
| Net interest margin | 5.4653% | 77 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.8681% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.3645% | 97 |
| Return on assets (ROA) | 3.3645% | 93 |
| Pretax return on assets | 3.7501% | 95 |
| Return on Equity (ROE) | 15.3500% | 1,106 |
| Retained earnings to average equity (ytd only) | 8.8601% | 1,699 |
| Net charge-offs to loans | -0.1646% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 33.2515% | 4,672 |
| Assets per employee ($millions) | 8.0360% | 1,305 |
| Cash dividends to net income (ytd only)* | 42.2811% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,586 |
| Loan loss allowance to noncurrent loans | 76.5841% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 2.5483% | 81 |
| Noncurrent loans to loans | 1.8380% | 339 |
| Net loans and leases to total assets | 79.7400% | 551 |
| Net loans and leases to deposits | 111.8627% | 106 |
| Net loans and leases to core deposits | 126.7378% | 175 |
| Total domestic deposits to total assets | 71.2900% | 4,519 |
| Equity capital to assets | 22.3673% | 171 |
| Core capital (leverage) ratio | 23.0243% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $579,882,750 | 1,546 |
| Average earning assets | $540,781,750 | 1,530 |
| Average equity | $127,098,500 | 784 |
| Average total loans | $439,903,000 | 1,283 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 98 |
| Cost of funding earning assets | 0.1387% | 3,728 |
| Net interest margin | 5.4327% | 75 |
| Noninterest income to average assets | 0.5170% | 2,102 |
| Noninterest expense to average assets | 1.8438% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.3654% | 58 |
| Return on assets (ROA) | 3.3654% | 56 |
| Pretax return on assets | 3.7504% | 61 |
| Return on Equity (ROE) | 15.4600% | 805 |
| Retained earnings to average equity (ytd only) | 12.6213% | 514 |
| Net charge-offs to loans | -0.2522% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9596% | 4,696 |
| Assets per employee ($millions) | 8.0177% | 1,295 |
| Cash dividends to net income (ytd only)* | 18.3615% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,490 |
| Loan loss allowance to noncurrent loans | 76.9752% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.5882% | 81 |
| Noncurrent loans to loans | 1.9096% | 343 |
| Net loans and leases to total assets | 76.4739% | 685 |
| Net loans and leases to deposits | 103.3871% | 182 |
| Net loans and leases to core deposits | 117.0052% | 230 |
| Total domestic deposits to total assets | 73.9685% | 4,531 |
| Equity capital to assets | 22.5067% | 124 |
| Core capital (leverage) ratio | 22.4654% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $580,313,667 | 1,543 |
| Average earning assets | $542,345,000 | 1,547 |
| Average equity | $126,326,333 | 797 |
| Average total loans | $430,548,333 | 1,302 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 85 |
| Cost of funding earning assets | 0.1504% | 3,502 |
| Net interest margin | 5.4643% | 74 |
| Noninterest income to average assets | 0.5582% | 1,871 |
| Noninterest expense to average assets | 1.9304% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.3473% | 62 |
| Return on assets (ROA) | 3.3473% | 61 |
| Pretax return on assets | 3.7488% | 67 |
| Return on Equity (ROE) | 15.6400% | 567 |
| Retained earnings to average equity (ytd only) | 9.8806% | 1,048 |
| Net charge-offs to loans | -0.3129% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9910% | 4,716 |
| Assets per employee ($millions) | 8.5061% | 1,115 |
| Cash dividends to net income (ytd only)* | 36.8248% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,598 |
| Loan loss allowance to noncurrent loans | 66.9960% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.7583% | 74 |
| Noncurrent loans to loans | 2.2169% | 303 |
| Net loans and leases to total assets | 74.1855% | 648 |
| Net loans and leases to deposits | 99.8741% | 179 |
| Net loans and leases to core deposits | 113.3419% | 200 |
| Total domestic deposits to total assets | 74.2790% | 4,563 |
| Equity capital to assets | 22.0202% | 119 |
| Core capital (leverage) ratio | 21.4717% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $581,834,000 | 1,552 |
| Average earning assets | $545,282,000 | 1,547 |
| Average equity | $124,527,000 | 831 |
| Average total loans | $421,798,000 | 1,321 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 95 |
| Cost of funding earning assets | 0.2021% | 3,441 |
| Net interest margin | 5.6253% | 74 |
| Noninterest income to average assets | 0.3572% | 3,298 |
| Noninterest expense to average assets | 1.9811% | 3,736 |
| Loan and lease loss provision to assets | -0.3378% | 4,788 |
| Net operating income to assets | 3.3727% | 81 |
| Return on assets (ROA) | 3.3727% | 84 |
| Pretax return on assets | 3.9843% | 79 |
| Return on Equity (ROE) | 15.8077% | 787 |
| Retained earnings to average equity (ytd only) | 4.9551% | 2,799 |
| Net charge-offs to loans | -0.1291% | 4,638 |
| Credit loss provision to net charge-offs | 346.0838% | 1,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2027% | 4,760 |
| Assets per employee ($millions) | 8.2467% | 1,196 |
| Cash dividends to net income (ytd only)* | 68.6541% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,703 |
| Loan loss allowance to noncurrent loans | 54.3819% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.9170% | 76 |
| Noncurrent loans to loans | 2.6817% | 245 |
| Net loans and leases to total assets | 68.7801% | 1,177 |
| Net loans and leases to deposits | 92.0133% | 470 |
| Net loans and leases to core deposits | 105.0402% | 390 |
| Total domestic deposits to total assets | 74.7502% | 4,564 |
| Equity capital to assets | 20.8096% | 155 |
| Core capital (leverage) ratio | 21.2991% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $562,426,600 | 1,532 |
| Average earning assets | $526,936,800 | 1,526 |
| Average equity | $119,998,200 | 862 |
| Average total loans | $425,367,600 | 1,312 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0209% | 84 |
| Cost of funding earning assets | 0.2145% | 3,469 |
| Net interest margin | 5.8064% | 69 |
| Noninterest income to average assets | 0.3815% | 3,202 |
| Noninterest expense to average assets | 2.0009% | 3,669 |
| Loan and lease loss provision to assets | -0.4567% | 4,874 |
| Net operating income to assets | 3.6028% | 84 |
| Return on assets (ROA) | 3.6028% | 86 |
| Pretax return on assets | 4.2651% | 74 |
| Return on Equity (ROE) | 16.7754% | 804 |
| Retained earnings to average equity (ytd only) | 5.9015% | 2,870 |
| Net charge-offs to loans | -0.1243% | 4,681 |
| Credit loss provision to net charge-offs | 476.1905% | 780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4438% | 4,832 |
| Assets per employee ($millions) | 7.6666% | 1,465 |
| Cash dividends to net income (ytd only)* | 64.8205% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,943 |
| Loan loss allowance to noncurrent loans | 51.9478% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 3.0938% | 77 |
| Noncurrent loans to loans | 2.7326% | 256 |
| Net loans and leases to total assets | 72.1480% | 863 |
| Net loans and leases to deposits | 97.8672% | 277 |
| Net loans and leases to core deposits | 113.0048% | 273 |
| Total domestic deposits to total assets | 73.7203% | 4,651 |
| Equity capital to assets | 21.6921% | 140 |
| Core capital (leverage) ratio | 21.4921% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,593,250 | 1,569 |
| Average earning assets | $518,426,500 | 1,557 |
| Average equity | $119,108,000 | 880 |
| Average total loans | $428,101,250 | 1,329 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 124 |
| Cost of funding earning assets | 0.2291% | 3,471 |
| Net interest margin | 5.5166% | 96 |
| Noninterest income to average assets | 0.3772% | 3,231 |
| Noninterest expense to average assets | 1.9875% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.7732% | 157 |
| Return on assets (ROA) | 2.7732% | 159 |
| Pretax return on assets | 3.5432% | 116 |
| Return on Equity (ROE) | 12.9571% | 1,730 |
| Retained earnings to average equity (ytd only) | 2.2939% | 4,051 |
| Net charge-offs to loans | -0.1138% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9353% | 4,842 |
| Assets per employee ($millions) | 7.7173% | 1,352 |
| Cash dividends to net income (ytd only)* | 82.2959% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 911 |
| Loan loss allowance to noncurrent loans | 62.6898% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 3.2649% | 84 |
| Noncurrent loans to loans | 2.8421% | 263 |
| Net loans and leases to total assets | 74.7593% | 696 |
| Net loans and leases to deposits | 100.7601% | 234 |
| Net loans and leases to core deposits | 116.6801% | 257 |
| Total domestic deposits to total assets | 74.1954% | 4,646 |
| Equity capital to assets | 21.1717% | 150 |
| Core capital (leverage) ratio | 20.7978% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,347,333 | 1,572 |
| Average earning assets | $514,123,333 | 1,564 |
| Average equity | $117,788,667 | 880 |
| Average total loans | $432,397,667 | 1,323 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 192 |
| Cost of funding earning assets | 0.2549% | 3,429 |
| Net interest margin | 5.2564% | 142 |
| Noninterest income to average assets | 0.2795% | 3,729 |
| Noninterest expense to average assets | 2.0109% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.1811% | 131 |
| Return on assets (ROA) | 3.1811% | 145 |
| Pretax return on assets | 3.1826% | 193 |
| Return on Equity (ROE) | 14.7805% | 1,259 |
| Retained earnings to average equity (ytd only) | -6.6845% | 4,740 |
| Net charge-offs to loans | -0.0046% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7197% | 4,785 |
| Assets per employee ($millions) | 7.3952% | 1,520 |
| Cash dividends to net income (ytd only)* | 145.2254% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 1,083 |
| Loan loss allowance to noncurrent loans | 56.4551% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 3.4174% | 79 |
| Noncurrent loans to loans | 2.9841% | 269 |
| Net loans and leases to total assets | 76.8281% | 555 |
| Net loans and leases to deposits | 102.6658% | 223 |
| Net loans and leases to core deposits | 118.3743% | 261 |
| Total domestic deposits to total assets | 74.8332% | 4,634 |
| Equity capital to assets | 20.6302% | 162 |
| Core capital (leverage) ratio | 20.4039% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $543,840,500 | 1,574 |
| Average earning assets | $508,413,500 | 1,567 |
| Average equity | $117,046,500 | 880 |
| Average total loans | $434,194,000 | 1,319 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3875% | 227 |
| Cost of funding earning assets | 0.6185% | 2,191 |
| Net interest margin | 4.7690% | 181 |
| Noninterest income to average assets | 0.5139% | 2,570 |
| Noninterest expense to average assets | 2.0461% | 4,049 |
| Loan and lease loss provision to assets | -0.3790% | 4,994 |
| Net operating income to assets | 3.2975% | 76 |
| Return on assets (ROA) | 3.2988% | 79 |
| Pretax return on assets | 3.3001% | 103 |
| Return on Equity (ROE) | 15.8403% | 518 |
| Retained earnings to average equity (ytd only) | 12.6539% | 265 |
| Net charge-offs to loans | 0.0325% | 2,388 |
| Credit loss provision to net charge-offs | -1,526.7176% | 4,143 |
| Earnings coverage of net charge-offs (x) | 117.6260% | 715 |
| Efficiency ratio | 41.2027% | 4,849 |
| Assets per employee ($millions) | 6.7391% | 1,754 |
| Cash dividends to net income (ytd only)* | 20.1160% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 987 |
| Loan loss allowance to noncurrent loans | 59.6194% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.5162% | 80 |
| Noncurrent loans to loans | 2.8896% | 312 |
| Net loans and leases to total assets | 80.2430% | 406 |
| Net loans and leases to deposits | 110.5261% | 160 |
| Net loans and leases to core deposits | 133.9849% | 167 |
| Total domestic deposits to total assets | 72.6010% | 4,690 |
| Equity capital to assets | 22.4760% | 125 |
| Core capital (leverage) ratio | 21.6731% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,737,200 | 1,475 |
| Average earning assets | $492,660,600 | 1,473 |
| Average equity | $109,903,200 | 886 |
| Average total loans | $403,691,200 | 1,344 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 313 |
| Cost of funding earning assets | 0.7077% | 1,983 |
| Net interest margin | 4.6408% | 289 |
| Noninterest income to average assets | 0.5409% | 2,420 |
| Noninterest expense to average assets | 2.0840% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.7880% | 110 |
| Return on assets (ROA) | 2.7897% | 115 |
| Pretax return on assets | 2.7915% | 140 |
| Return on Equity (ROE) | 13.6652% | 945 |
| Retained earnings to average equity (ytd only) | 9.3356% | 898 |
| Net charge-offs to loans | -0.0054% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7602% | 4,836 |
| Assets per employee ($millions) | 6.1858% | 2,102 |
| Cash dividends to net income (ytd only)* | 31.6837% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 328 |
| Loan loss allowance to noncurrent loans | 74.7434% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 3.4188% | 113 |
| Noncurrent loans to loans | 2.9929% | 310 |
| Net loans and leases to total assets | 75.7375% | 1,134 |
| Net loans and leases to deposits | 103.5946% | 398 |
| Net loans and leases to core deposits | 126.4080% | 296 |
| Total domestic deposits to total assets | 73.1095% | 4,628 |
| Equity capital to assets | 20.3267% | 195 |
| Core capital (leverage) ratio | 20.9960% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,260,000 | 1,461 |
| Average earning assets | $493,205,500 | 1,449 |
| Average equity | $107,843,000 | 898 |
| Average total loans | $397,317,000 | 1,351 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 358 |
| Cost of funding earning assets | 0.8364% | 1,646 |
| Net interest margin | 4.6285% | 397 |
| Noninterest income to average assets | 0.5814% | 2,204 |
| Noninterest expense to average assets | 2.2076% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.6976% | 110 |
| Return on assets (ROA) | 2.7003% | 114 |
| Pretax return on assets | 2.7011% | 154 |
| Return on Equity (ROE) | 13.2070% | 1,053 |
| Retained earnings to average equity (ytd only) | 6.6298% | 1,811 |
| Net charge-offs to loans | -0.0067% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9984% | 4,773 |
| Assets per employee ($millions) | 5.3208% | 2,817 |
| Cash dividends to net income (ytd only)* | 49.8009% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3008% | 287 |
| Loan loss allowance to noncurrent loans | 75.2742% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 3.5768% | 106 |
| Noncurrent loans to loans | 3.0565% | 309 |
| Net loans and leases to total assets | 76.8884% | 1,008 |
| Net loans and leases to deposits | 103.0769% | 412 |
| Net loans and leases to core deposits | 126.5664% | 305 |
| Total domestic deposits to total assets | 74.5932% | 4,552 |
| Equity capital to assets | 20.4971% | 192 |
| Core capital (leverage) ratio | 20.1188% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3415% | 389 |
| Memoranda: | ||
| Average total assets | $520,834,333 | 1,460 |
| Average earning assets | $486,637,000 | 1,442 |
| Average equity | $106,488,667 | 903 |
| Average total loans | $387,588,000 | 1,366 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6796% | 259 |
| Cost of funding earning assets | 0.9674% | 1,574 |
| Net interest margin | 4.7122% | 319 |
| Noninterest income to average assets | 0.7338% | 1,518 |
| Noninterest expense to average assets | 2.4670% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.6671% | 91 |
| Return on assets (ROA) | 2.6671% | 93 |
| Pretax return on assets | 2.6686% | 127 |
| Return on Equity (ROE) | 13.0612% | 872 |
| Retained earnings to average equity (ytd only) | 13.0612% | 314 |
| Net charge-offs to loans | -0.0118% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0373% | 4,756 |
| Assets per employee ($millions) | 4.9282% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4969% | 250 |
| Loan loss allowance to noncurrent loans | 75.9236% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 3.7073% | 117 |
| Noncurrent loans to loans | 3.2887% | 303 |
| Net loans and leases to total assets | 72.6542% | 1,832 |
| Net loans and leases to deposits | 96.0311% | 907 |
| Net loans and leases to core deposits | 118.7331% | 506 |
| Total domestic deposits to total assets | 75.6569% | 4,520 |
| Equity capital to assets | 21.0783% | 198 |
| Core capital (leverage) ratio | 20.8309% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3591% | 378 |
| Memoranda: | ||
| Average total assets | $517,873,000 | 1,426 |
| Average earning assets | $483,769,000 | 1,412 |
| Average equity | $105,748,000 | 907 |
| Average total loans | $374,105,500 | 1,370 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0869% | 199 |
| Cost of funding earning assets | 1.1521% | 1,153 |
| Net interest margin | 4.9348% | 304 |
| Noninterest income to average assets | 1.7422% | 325 |
| Noninterest expense to average assets | 2.6017% | 3,170 |
| Loan and lease loss provision to assets | -0.3301% | 5,149 |
| Net operating income to assets | 3.9829% | 54 |
| Return on assets (ROA) | 3.9842% | 57 |
| Pretax return on assets | 3.9854% | 63 |
| Return on Equity (ROE) | 20.7974% | 172 |
| Retained earnings to average equity (ytd only) | 9.1103% | 684 |
| Net charge-offs to loans | 0.0752% | 2,018 |
| Credit loss provision to net charge-offs | -598.6063% | 4,446 |
| Earnings coverage of net charge-offs (x) | 66.2578% | 917 |
| Efficiency ratio | 41.4117% | 5,035 |
| Assets per employee ($millions) | 4.5497% | 3,157 |
| Cash dividends to net income (ytd only)* | 56.1948% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6003% | 187 |
| Loan loss allowance to noncurrent loans | 76.0479% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 3.6151% | 121 |
| Noncurrent loans to loans | 3.4193% | 244 |
| Net loans and leases to total assets | 68.1890% | 2,655 |
| Net loans and leases to deposits | 85.9617% | 2,094 |
| Net loans and leases to core deposits | 106.9408% | 1,052 |
| Total domestic deposits to total assets | 79.3249% | 4,115 |
| Equity capital to assets | 19.7745% | 259 |
| Core capital (leverage) ratio | 19.4804% | 259 |
| Tier 1 risk-based capital ratio | 24.3994% | 797 |
| Total risk-based capital ratio | 25.6622% | 776 |
| Memoranda: | ||
| Average total assets | $520,426,200 | 1,374 |
| Average earning assets | $475,988,800 | 1,396 |
| Average equity | $99,700,000 | 905 |
| Average total loans | $381,521,400 | 1,320 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 216 |
| Cost of funding earning assets | 1.1467% | 1,187 |
| Net interest margin | 4.9066% | 339 |
| Noninterest income to average assets | 2.1313% | 240 |
| Noninterest expense to average assets | 2.6547% | 3,001 |
| Loan and lease loss provision to assets | -0.2691% | 5,221 |
| Net operating income to assets | 4.2067% | 46 |
| Return on assets (ROA) | 4.2085% | 49 |
| Pretax return on assets | 4.2098% | 58 |
| Return on Equity (ROE) | 22.1476% | 160 |
| Retained earnings to average equity (ytd only) | 16.3829% | 101 |
| Net charge-offs to loans | 0.0955% | 1,518 |
| Credit loss provision to net charge-offs | -380.0725% | 4,280 |
| Earnings coverage of net charge-offs (x) | 55.6306% | 1,114 |
| Efficiency ratio | 40.0786% | 5,123 |
| Assets per employee ($millions) | 4.8405% | 2,744 |
| Cash dividends to net income (ytd only)* | 26.0286% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6518% | 185 |
| Loan loss allowance to noncurrent loans | 81.8743% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 3.5145% | 142 |
| Noncurrent loans to loans | 3.2389% | 273 |
| Net loans and leases to total assets | 71.6528% | 2,232 |
| Net loans and leases to deposits | 95.8584% | 1,030 |
| Net loans and leases to core deposits | 129.5474% | 295 |
| Total domestic deposits to total assets | 74.7486% | 4,764 |
| Equity capital to assets | 20.4393% | 240 |
| Core capital (leverage) ratio | 20.6679% | 218 |
| Tier 1 risk-based capital ratio | 23.1837% | 927 |
| Total risk-based capital ratio | 24.4462% | 907 |
| Memoranda: | ||
| Average total assets | $519,728,250 | 1,383 |
| Average earning assets | $472,656,000 | 1,411 |
| Average equity | $98,759,000 | 910 |
| Average total loans | $385,326,250 | 1,311 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9870% | 71 |
| Cost of funding earning assets | 1.1427% | 1,154 |
| Net interest margin | 5.8443% | 75 |
| Noninterest income to average assets | 1.1170% | 681 |
| Noninterest expense to average assets | 2.7672% | 2,697 |
| Loan and lease loss provision to assets | -0.4045% | 5,285 |
| Net operating income to assets | 4.0273% | 51 |
| Return on assets (ROA) | 4.0288% | 55 |
| Pretax return on assets | 4.0308% | 64 |
| Return on Equity (ROE) | 21.7549% | 172 |
| Retained earnings to average equity (ytd only) | 12.8647% | 314 |
| Net charge-offs to loans | 0.1728% | 944 |
| Credit loss provision to net charge-offs | -315.0150% | 4,050 |
| Earnings coverage of net charge-offs (x) | 28.2312% | 1,514 |
| Efficiency ratio | 43.0993% | 5,094 |
| Assets per employee ($millions) | 4.6444% | 2,945 |
| Cash dividends to net income (ytd only)* | 40.8652% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6027% | 196 |
| Loan loss allowance to noncurrent loans | 87.6187% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 4.3736% | 95 |
| Noncurrent loans to loans | 2.9705% | 346 |
| Net loans and leases to total assets | 73.6637% | 1,939 |
| Net loans and leases to deposits | 91.8772% | 1,502 |
| Net loans and leases to core deposits | 117.9022% | 607 |
| Total domestic deposits to total assets | 80.1762% | 4,001 |
| Equity capital to assets | 19.5574% | 264 |
| Core capital (leverage) ratio | 18.9360% | 285 |
| Tier 1 risk-based capital ratio | 22.3900% | 1,013 |
| Total risk-based capital ratio | 23.6530% | 990 |
| Memoranda: | ||
| Average total assets | $518,711,670 | 1,382 |
| Average earning assets | $468,184,330 | 1,422 |
| Average equity | $96,061,330 | 927 |
| Average total loans | $385,505,330 | 1,319 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8620% | 276 |
| Cost of funding earning assets | 1.0596% | 1,340 |
| Net interest margin | 4.8024% | 409 |
| Noninterest income to average assets | 1.6283% | 334 |
| Noninterest expense to average assets | 2.7622% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.1697% | 79 |
| Return on assets (ROA) | 3.1705% | 83 |
| Pretax return on assets | 3.1735% | 112 |
| Return on Equity (ROE) | 17.6089% | 438 |
| Retained earnings to average equity (ytd only) | -0.6234% | 4,609 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3342% | 5,010 |
| Assets per employee ($millions) | 4.7858% | 2,807 |
| Cash dividends to net income (ytd only)* | 103.5403% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9715% | 136 |
| Loan loss allowance to noncurrent loans | 96.1474% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 4.2348% | 105 |
| Noncurrent loans to loans | 3.0905% | 339 |
| Net loans and leases to total assets | 70.2395% | 2,446 |
| Net loans and leases to deposits | 91.7184% | 1,428 |
| Net loans and leases to core deposits | 118.8867% | 557 |
| Total domestic deposits to total assets | 76.5816% | 4,698 |
| Equity capital to assets | 17.5219% | 388 |
| Core capital (leverage) ratio | 18.3689% | 314 |
| Tier 1 risk-based capital ratio | 20.5636% | 1,236 |
| Total risk-based capital ratio | 21.8299% | 1,209 |
| Memoranda: | ||
| Average total assets | $520,303,500 | 1,386 |
| Average earning assets | $466,600,500 | 1,435 |
| Average equity | $93,680,000 | 939 |
| Average total loans | $383,305,500 | 1,332 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 611 |
| Cost of funding earning assets | 0.8556% | 1,278 |
| Net interest margin | 4.4162% | 902 |
| Noninterest income to average assets | 0.5011% | 2,828 |
| Noninterest expense to average assets | 2.7555% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8148% | 537 |
| Return on assets (ROA) | 1.8148% | 531 |
| Pretax return on assets | 1.8152% | 883 |
| Return on Equity (ROE) | 10.5740% | 2,260 |
| Retained earnings to average equity (ytd only) | 6.3257% | 2,020 |
| Net charge-offs to loans | -0.0693% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0226% | 3,857 |
| Assets per employee ($millions) | 4.5872% | 3,039 |
| Cash dividends to net income (ytd only)* | 40.1771% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0455% | 126 |
| Loan loss allowance to noncurrent loans | 96.3322% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 4.7381% | 74 |
| Noncurrent loans to loans | 3.1615% | 309 |
| Net loans and leases to total assets | 72.7433% | 2,138 |
| Net loans and leases to deposits | 99.2207% | 803 |
| Net loans and leases to core deposits | 116.5986% | 669 |
| Total domestic deposits to total assets | 73.3147% | 4,988 |
| Equity capital to assets | 18.5179% | 300 |
| Core capital (leverage) ratio | 18.3878% | 303 |
| Tier 1 risk-based capital ratio | 20.0323% | 1,297 |
| Total risk-based capital ratio | 21.2977% | 1,270 |
| Memoranda: | ||
| Average total assets | $522,804,600 | 1,346 |
| Average earning assets | $481,769,400 | 1,358 |
| Average equity | $89,729,400 | 938 |
| Average total loans | $369,434,800 | 1,337 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 670 |
| Cost of funding earning assets | 0.8079% | 1,298 |
| Net interest margin | 4.3603% | 991 |
| Noninterest income to average assets | 0.4258% | 3,317 |
| Noninterest expense to average assets | 2.7318% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7379% | 690 |
| Return on assets (ROA) | 1.7379% | 696 |
| Pretax return on assets | 1.7384% | 1,181 |
| Return on Equity (ROE) | 10.3209% | 2,471 |
| Retained earnings to average equity (ytd only) | 4.5974% | 3,449 |
| Net charge-offs to loans | -0.0832% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8450% | 3,680 |
| Assets per employee ($millions) | 4.5266% | 3,081 |
| Cash dividends to net income (ytd only)* | 55.4554% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0202% | 138 |
| Loan loss allowance to noncurrent loans | 50.2644% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 6.9047% | 45 |
| Noncurrent loans to loans | 6.0087% | 80 |
| Net loans and leases to total assets | 73.5108% | 2,072 |
| Net loans and leases to deposits | 95.7286% | 1,186 |
| Net loans and leases to core deposits | 111.2725% | 952 |
| Total domestic deposits to total assets | 76.7908% | 4,678 |
| Equity capital to assets | 17.8885% | 343 |
| Core capital (leverage) ratio | 17.6913% | 357 |
| Tier 1 risk-based capital ratio | 20.8267% | 1,208 |
| Total risk-based capital ratio | 22.0941% | 1,180 |
| Memoranda: | ||
| Average total assets | $527,357,750 | 1,340 |
| Average earning assets | $489,156,250 | 1,344 |
| Average equity | $88,801,750 | 942 |
| Average total loans | $367,146,750 | 1,343 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 792 |
| Cost of funding earning assets | 0.7631% | 1,314 |
| Net interest margin | 4.2492% | 1,161 |
| Noninterest income to average assets | 0.3708% | 3,676 |
| Noninterest expense to average assets | 2.7394% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5909% | 934 |
| Return on assets (ROA) | 1.5909% | 943 |
| Pretax return on assets | 1.5917% | 1,525 |
| Return on Equity (ROE) | 9.6357% | 2,745 |
| Retained earnings to average equity (ytd only) | 1.0154% | 4,753 |
| Net charge-offs to loans | -0.1385% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9741% | 3,482 |
| Assets per employee ($millions) | 4.9849% | 2,440 |
| Cash dividends to net income (ytd only)* | 89.4626% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1457% | 124 |
| Loan loss allowance to noncurrent loans | 67.9380% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 5.5920% | 70 |
| Noncurrent loans to loans | 4.6303% | 162 |
| Net loans and leases to total assets | 67.7945% | 2,897 |
| Net loans and leases to deposits | 86.7288% | 2,247 |
| Net loans and leases to core deposits | 99.2251% | 1,794 |
| Total domestic deposits to total assets | 78.1684% | 4,559 |
| Equity capital to assets | 16.7756% | 422 |
| Core capital (leverage) ratio | 16.8481% | 414 |
| Tier 1 risk-based capital ratio | 19.6543% | 1,391 |
| Total risk-based capital ratio | 20.9210% | 1,357 |
| Memoranda: | ||
| Average total assets | $535,658,000 | 1,328 |
| Average earning assets | $499,250,330 | 1,318 |
| Average equity | $88,441,670 | 945 |
| Average total loans | $362,574,670 | 1,355 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 1,463 |
| Cost of funding earning assets | 0.7290% | 1,296 |
| Net interest margin | 3.9110% | 2,003 |
| Noninterest income to average assets | 0.1240% | 5,237 |
| Noninterest expense to average assets | 2.7568% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0270% | 2,743 |
| Return on assets (ROA) | 1.0270% | 2,760 |
| Pretax return on assets | 1.0270% | 3,439 |
| Return on Equity (ROE) | 6.2686% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.2686% | 2,597 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5463% | 2,115 |
| Assets per employee ($millions) | 5.0667% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0414% | 153 |
| Loan loss allowance to noncurrent loans | 46.9985% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 5.4816% | 85 |
| Noncurrent loans to loans | 6.4713% | 87 |
| Net loans and leases to total assets | 65.6816% | 3,093 |
| Net loans and leases to deposits | 79.6046% | 2,855 |
| Net loans and leases to core deposits | 93.2510% | 2,189 |
| Total domestic deposits to total assets | 82.5098% | 3,809 |
| Equity capital to assets | 16.2908% | 465 |
| Core capital (leverage) ratio | 17.2125% | 359 |
| Tier 1 risk-based capital ratio | 20.5121% | 1,261 |
| Total risk-based capital ratio | 21.7790% | 1,241 |
| Memoranda: | ||
| Average total assets | $541,782,000 | 1,323 |
| Average earning assets | $506,984,000 | 1,313 |
| Average equity | $88,760,000 | 947 |
| Average total loans | $360,678,000 | 1,364 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 471 |
| Cost of funding earning assets | 0.7391% | 854 |
| Net interest margin | 4.4289% | 716 |
| Noninterest income to average assets | 0.8053% | 1,547 |
| Noninterest expense to average assets | 2.9026% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.0241% | 270 |
| Return on assets (ROA) | 2.0448% | 263 |
| Pretax return on assets | 2.0448% | 442 |
| Return on Equity (ROE) | 12.6186% | 1,054 |
| Retained earnings to average equity (ytd only) | 5.6738% | 1,725 |
| Net charge-offs to loans | 0.0652% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 45.5641% | 1,167 |
| Efficiency ratio | 58.6660% | 4,449 |
| Assets per employee ($millions) | 4.8760% | 2,639 |
| Cash dividends to net income (ytd only)* | 55.0367% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2150% | 113 |
| Loan loss allowance to noncurrent loans | 44.9611% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 6.4950% | 55 |
| Noncurrent loans to loans | 7.1505% | 57 |
| Net loans and leases to total assets | 63.2776% | 3,454 |
| Net loans and leases to deposits | 80.5653% | 2,855 |
| Net loans and leases to core deposits | 95.4505% | 2,079 |
| Total domestic deposits to total assets | 78.5420% | 4,633 |
| Equity capital to assets | 16.4770% | 460 |
| Core capital (leverage) ratio | 16.9852% | 371 |
| Tier 1 risk-based capital ratio | 20.7490% | 1,185 |
| Total risk-based capital ratio | 22.0169% | 1,156 |
| Memoranda: | ||
| Average total assets | $526,762,200 | 1,338 |
| Average earning assets | $490,186,200 | 1,328 |
| Average equity | $85,358,000 | 956 |
| Average total loans | $358,830,400 | 1,352 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 372 |
| Cost of funding earning assets | 0.7363% | 817 |
| Net interest margin | 4.5288% | 564 |
| Noninterest income to average assets | 0.7109% | 1,952 |
| Noninterest expense to average assets | 2.8649% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0624% | 283 |
| Return on assets (ROA) | 2.0619% | 288 |
| Pretax return on assets | 2.0619% | 483 |
| Return on Equity (ROE) | 12.7793% | 1,104 |
| Retained earnings to average equity (ytd only) | 3.4371% | 3,881 |
| Net charge-offs to loans | 0.0961% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 31.1960% | 1,516 |
| Efficiency ratio | 57.8904% | 4,517 |
| Assets per employee ($millions) | 4.6956% | 2,840 |
| Cash dividends to net income (ytd only)* | 73.1039% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1156% | 141 |
| Loan loss allowance to noncurrent loans | 44.4550% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 6.6327% | 56 |
| Noncurrent loans to loans | 7.0084% | 71 |
| Net loans and leases to total assets | 65.9213% | 3,115 |
| Net loans and leases to deposits | 81.7651% | 2,799 |
| Net loans and leases to core deposits | 93.4201% | 2,311 |
| Total domestic deposits to total assets | 80.6228% | 4,164 |
| Equity capital to assets | 16.2168% | 509 |
| Core capital (leverage) ratio | 16.6388% | 413 |
| Tier 1 risk-based capital ratio | 19.8626% | 1,386 |
| Total risk-based capital ratio | 21.1407% | 1,347 |
| Memoranda: | ||
| Average total assets | $524,361,500 | 1,349 |
| Average earning assets | $488,183,000 | 1,345 |
| Average equity | $84,603,250 | 969 |
| Average total loans | $360,869,750 | 1,353 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 618 |
| Cost of funding earning assets | 0.7469% | 696 |
| Net interest margin | 4.2022% | 1,074 |
| Noninterest income to average assets | 0.5545% | 2,687 |
| Noninterest expense to average assets | 2.7950% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6654% | 609 |
| Return on assets (ROA) | 1.6654% | 629 |
| Pretax return on assets | 1.6654% | 1,138 |
| Return on Equity (ROE) | 10.3397% | 1,899 |
| Retained earnings to average equity (ytd only) | -3.7541% | 5,478 |
| Net charge-offs to loans | 0.2184% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.0381% | 2,301 |
| Efficiency ratio | 62.3712% | 3,929 |
| Assets per employee ($millions) | 4.8690% | 2,556 |
| Cash dividends to net income (ytd only)* | 136.3072% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0647% | 151 |
| Loan loss allowance to noncurrent loans | 34.2380% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 8.0670% | 41 |
| Noncurrent loans to loans | 8.9512% | 35 |
| Net loans and leases to total assets | 66.2365% | 3,067 |
| Net loans and leases to deposits | 81.4330% | 2,754 |
| Net loans and leases to core deposits | 90.5191% | 2,477 |
| Total domestic deposits to total assets | 81.3387% | 4,094 |
| Equity capital to assets | 15.5035% | 613 |
| Core capital (leverage) ratio | 15.4861% | 546 |
| Tier 1 risk-based capital ratio | 18.3491% | 1,763 |
| Total risk-based capital ratio | 19.6251% | 1,716 |
| Memoranda: | ||
| Average total assets | $522,282,330 | 1,359 |
| Average earning assets | $485,464,000 | 1,355 |
| Average equity | $84,122,330 | 974 |
| Average total loans | $360,817,670 | 1,355 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 626 |
| Cost of funding earning assets | 0.7457% | 672 |
| Net interest margin | 4.1570% | 1,076 |
| Noninterest income to average assets | 0.8949% | 1,262 |
| Noninterest expense to average assets | 2.7580% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9936% | 307 |
| Return on assets (ROA) | 1.9936% | 318 |
| Pretax return on assets | 1.9936% | 513 |
| Return on Equity (ROE) | 12.1444% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.1444% | 457 |
| Net charge-offs to loans | 0.0256% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 112.2609% | 484 |
| Efficiency ratio | 57.7511% | 4,747 |
| Assets per employee ($millions) | 4.7435% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1685% | 149 |
| Loan loss allowance to noncurrent loans | 34.6885% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 8.5738% | 44 |
| Noncurrent loans to loans | 9.1343% | 41 |
| Net loans and leases to total assets | 67.2658% | 2,779 |
| Net loans and leases to deposits | 84.3552% | 2,244 |
| Net loans and leases to core deposits | 93.8091% | 1,999 |
| Total domestic deposits to total assets | 79.7412% | 4,675 |
| Equity capital to assets | 16.5464% | 427 |
| Core capital (leverage) ratio | 15.8611% | 477 |
| Tier 1 risk-based capital ratio | 20.4200% | 1,314 |
| Total risk-based capital ratio | 21.6993% | 1,280 |
| Memoranda: | ||
| Average total assets | $518,064,500 | 1,371 |
| Average earning assets | $480,635,000 | 1,373 |
| Average equity | $85,043,500 | 957 |
| Average total loans | $359,905,000 | 1,365 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 506 |
| Cost of funding earning assets | 0.7656% | 595 |
| Net interest margin | 4.3289% | 886 |
| Noninterest income to average assets | 1.7785% | 398 |
| Noninterest expense to average assets | 3.0291% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.6856% | 110 |
| Return on assets (ROA) | 2.6745% | 112 |
| Pretax return on assets | 2.6745% | 154 |
| Return on Equity (ROE) | 17.3256% | 374 |
| Retained earnings to average equity (ytd only) | 12.3212% | 200 |
| Net charge-offs to loans | -0.4931% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7848% | 5,326 |
| Assets per employee ($millions) | 4.6337% | 2,909 |
| Cash dividends to net income (ytd only)* | 28.8845% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2205% | 140 |
| Loan loss allowance to noncurrent loans | 36.2206% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 8.7261% | 45 |
| Noncurrent loans to loans | 8.8913% | 39 |
| Net loans and leases to total assets | 67.2379% | 2,894 |
| Net loans and leases to deposits | 84.2430% | 2,386 |
| Net loans and leases to core deposits | 93.5652% | 2,150 |
| Total domestic deposits to total assets | 79.8142% | 4,609 |
| Equity capital to assets | 16.2830% | 462 |
| Core capital (leverage) ratio | 15.7051% | 497 |
| Tier 1 risk-based capital ratio | 19.7947% | 1,422 |
| Total risk-based capital ratio | 21.0769% | 1,377 |
| Memoranda: | ||
| Average total assets | $506,781,200 | 1,354 |
| Average earning assets | $460,809,200 | 1,381 |
| Average equity | $78,231,200 | 1,014 |
| Average total loans | $350,609,600 | 1,338 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 790 |
| Cost of funding earning assets | 0.7674% | 588 |
| Net interest margin | 4.0933% | 1,404 |
| Noninterest income to average assets | 1.1371% | 890 |
| Noninterest expense to average assets | 3.0976% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7440% | 549 |
| Return on assets (ROA) | 1.7440% | 584 |
| Pretax return on assets | 1.7440% | 1,017 |
| Return on Equity (ROE) | 11.4573% | 1,504 |
| Retained earnings to average equity (ytd only) | 4.6652% | 3,047 |
| Net charge-offs to loans | -0.4024% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7177% | 3,964 |
| Assets per employee ($millions) | 4.5451% | 3,008 |
| Cash dividends to net income (ytd only)* | 59.2823% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1497% | 158 |
| Loan loss allowance to noncurrent loans | 39.2769% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 9.8793% | 43 |
| Noncurrent loans to loans | 8.0192% | 58 |
| Net loans and leases to total assets | 66.6134% | 3,024 |
| Net loans and leases to deposits | 82.6935% | 2,643 |
| Net loans and leases to core deposits | 91.8093% | 2,404 |
| Total domestic deposits to total assets | 80.5546% | 4,372 |
| Equity capital to assets | 15.4657% | 636 |
| Core capital (leverage) ratio | 14.5679% | 704 |
| Tier 1 risk-based capital ratio | 17.9870% | 1,929 |
| Total risk-based capital ratio | 19.2536% | 1,887 |
| Memoranda: | ||
| Average total assets | $504,891,250 | 1,366 |
| Average earning assets | $456,933,500 | 1,403 |
| Average equity | $76,851,500 | 1,038 |
| Average total loans | $348,927,000 | 1,343 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 745 |
| Cost of funding earning assets | 0.7590% | 599 |
| Net interest margin | 4.1271% | 1,304 |
| Noninterest income to average assets | 1.4029% | 590 |
| Noninterest expense to average assets | 3.1564% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9778% | 345 |
| Return on assets (ROA) | 1.9778% | 363 |
| Pretax return on assets | 1.9778% | 595 |
| Return on Equity (ROE) | 13.0622% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.0622% | 231 |
| Net charge-offs to loans | 0.1443% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 19.7984% | 1,756 |
| Efficiency ratio | 61.2320% | 4,473 |
| Assets per employee ($millions) | 4.5072% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7177% | 278 |
| Loan loss allowance to noncurrent loans | 29.5334% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 10.5042% | 38 |
| Noncurrent loans to loans | 9.2021% | 47 |
| Net loans and leases to total assets | 66.3636% | 3,030 |
| Net loans and leases to deposits | 82.2215% | 2,680 |
| Net loans and leases to core deposits | 93.2638% | 2,233 |
| Total domestic deposits to total assets | 80.7131% | 4,360 |
| Equity capital to assets | 15.5145% | 621 |
| Core capital (leverage) ratio | 15.0006% | 615 |
| Tier 1 risk-based capital ratio | 18.1665% | 1,883 |
| Total risk-based capital ratio | 19.4302% | 1,847 |
| Memoranda: | ||
| Average total assets | $506,533,670 | 1,364 |
| Average earning assets | $457,944,670 | 1,397 |
| Average equity | $76,694,330 | 1,039 |
| Average total loans | $350,611,330 | 1,333 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 531 |
| Cost of funding earning assets | 0.7483% | 640 |
| Net interest margin | 4.3006% | 930 |
| Noninterest income to average assets | 0.8495% | 1,444 |
| Noninterest expense to average assets | 3.3280% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3935% | 1,046 |
| Return on assets (ROA) | 1.3935% | 1,107 |
| Pretax return on assets | 1.3935% | 1,923 |
| Return on Equity (ROE) | 9.3213% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.3213% | 1,020 |
| Net charge-offs to loans | -0.0593% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2156% | 3,076 |
| Assets per employee ($millions) | 4.4826% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7804% | 279 |
| Loan loss allowance to noncurrent loans | 29.9096% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 11.2539% | 40 |
| Noncurrent loans to loans | 9.2960% | 48 |
| Net loans and leases to total assets | 66.6829% | 2,864 |
| Net loans and leases to deposits | 81.9821% | 2,545 |
| Net loans and leases to core deposits | 92.8630% | 2,104 |
| Total domestic deposits to total assets | 81.3383% | 4,395 |
| Equity capital to assets | 14.8017% | 742 |
| Core capital (leverage) ratio | 13.9862% | 811 |
| Tier 1 risk-based capital ratio | 18.0347% | 1,973 |
| Total risk-based capital ratio | 19.2989% | 1,936 |
| Memoranda: | ||
| Average total assets | $502,890,000 | 1,379 |
| Average earning assets | $452,778,500 | 1,416 |
| Average equity | $75,183,000 | 1,059 |
| Average total loans | $350,659,000 | 1,329 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 269 |
| Cost of funding earning assets | 0.6875% | 876 |
| Net interest margin | 4.7985% | 375 |
| Noninterest income to average assets | 0.7033% | 2,184 |
| Noninterest expense to average assets | 3.3576% | 1,583 |
| Loan and lease loss provision to assets | 0.0794% | 2,695 |
| Net operating income to assets | 1.5807% | 741 |
| Return on assets (ROA) | 1.5809% | 762 |
| Pretax return on assets | 1.5809% | 1,310 |
| Return on Equity (ROE) | 11.3768% | 1,474 |
| Retained earnings to average equity (ytd only) | 7.1611% | 1,207 |
| Net charge-offs to loans | 0.1647% | 1,720 |
| Credit loss provision to net charge-offs | 71.1775% | 3,107 |
| Earnings coverage of net charge-offs (x) | 14.8770% | 2,255 |
| Efficiency ratio | 66.7201% | 3,791 |
| Assets per employee ($millions) | 4.3007% | 3,382 |
| Cash dividends to net income (ytd only)* | 37.0550% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8119% | 275 |
| Loan loss allowance to noncurrent loans | 27.2557% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 12.7427% | 36 |
| Noncurrent loans to loans | 10.3167% | 39 |
| Net loans and leases to total assets | 68.9318% | 2,558 |
| Net loans and leases to deposits | 85.1670% | 2,222 |
| Net loans and leases to core deposits | 94.6081% | 1,988 |
| Total domestic deposits to total assets | 80.9372% | 4,505 |
| Equity capital to assets | 15.1063% | 650 |
| Core capital (leverage) ratio | 13.8042% | 875 |
| Tier 1 risk-based capital ratio | 18.1894% | 1,910 |
| Total risk-based capital ratio | 19.4546% | 1,874 |
| Memoranda: | ||
| Average total assets | $509,912,000 | 1,316 |
| Average earning assets | $458,478,600 | 1,353 |
| Average equity | $70,854,800 | 1,080 |
| Average total loans | $345,425,000 | 1,306 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6187% | 222 |
| Cost of funding earning assets | 0.6606% | 1,031 |
| Net interest margin | 4.9581% | 278 |
| Noninterest income to average assets | 0.5635% | 2,964 |
| Noninterest expense to average assets | 3.3313% | 1,620 |
| Loan and lease loss provision to assets | 0.1049% | 2,112 |
| Net operating income to assets | 1.5881% | 789 |
| Return on assets (ROA) | 1.5883% | 830 |
| Pretax return on assets | 1.5883% | 1,421 |
| Return on Equity (ROE) | 11.6728% | 1,473 |
| Retained earnings to average equity (ytd only) | 5.9877% | 2,260 |
| Net charge-offs to loans | 0.4547% | 553 |
| Credit loss provision to net charge-offs | 34.4388% | 3,225 |
| Earnings coverage of net charge-offs (x) | 5.5587% | 3,188 |
| Efficiency ratio | 66.1237% | 3,877 |
| Assets per employee ($millions) | 4.4282% | 3,126 |
| Cash dividends to net income (ytd only)* | 48.7038% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8366% | 288 |
| Loan loss allowance to noncurrent loans | 28.8709% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 11.7007% | 41 |
| Noncurrent loans to loans | 9.8252% | 44 |
| Net loans and leases to total assets | 61.1621% | 3,712 |
| Net loans and leases to deposits | 77.3538% | 3,161 |
| Net loans and leases to core deposits | 86.9013% | 2,762 |
| Total domestic deposits to total assets | 79.0680% | 4,958 |
| Equity capital to assets | 14.1078% | 986 |
| Core capital (leverage) ratio | 13.3634% | 1,068 |
| Tier 1 risk-based capital ratio | 18.5784% | 1,877 |
| Total risk-based capital ratio | 19.8429% | 1,838 |
| Memoranda: | ||
| Average total assets | $514,820,250 | 1,313 |
| Average earning assets | $463,179,000 | 1,342 |
| Average equity | $70,052,750 | 1,092 |
| Average total loans | $344,847,250 | 1,310 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 553 |
| Cost of funding earning assets | 0.6447% | 1,133 |
| Net interest margin | 4.4094% | 747 |
| Noninterest income to average assets | 0.4701% | 3,561 |
| Noninterest expense to average assets | 3.2969% | 1,717 |
| Loan and lease loss provision to assets | 0.1572% | 1,355 |
| Net operating income to assets | 0.9930% | 2,422 |
| Return on assets (ROA) | 0.9934% | 2,533 |
| Pretax return on assets | 0.9934% | 3,612 |
| Return on Equity (ROE) | 7.3908% | 3,379 |
| Retained earnings to average equity (ytd only) | -1.2361% | 5,728 |
| Net charge-offs to loans | 0.4761% | 534 |
| Credit loss provision to net charge-offs | 48.3294% | 2,723 |
| Earnings coverage of net charge-offs (x) | 3.5358% | 3,181 |
| Efficiency ratio | 73.9787% | 2,681 |
| Assets per employee ($millions) | 4.7315% | 2,631 |
| Cash dividends to net income (ytd only)* | 116.7253% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7252% | 361 |
| Loan loss allowance to noncurrent loans | 28.0568% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 10.3804% | 61 |
| Noncurrent loans to loans | 9.7131% | 55 |
| Net loans and leases to total assets | 63.4844% | 3,348 |
| Net loans and leases to deposits | 81.4704% | 2,620 |
| Net loans and leases to core deposits | 90.1586% | 2,335 |
| Total domestic deposits to total assets | 77.9233% | 5,293 |
| Equity capital to assets | 12.8203% | 1,480 |
| Core capital (leverage) ratio | 12.7873% | 1,260 |
| Tier 1 risk-based capital ratio | 16.6565% | 2,535 |
| Total risk-based capital ratio | 17.9206% | 2,481 |
| Memoranda: | ||
| Average total assets | $515,204,330 | 1,326 |
| Average earning assets | $464,690,330 | 1,344 |
| Average equity | $69,248,000 | 1,106 |
| Average total loans | $352,015,670 | 1,295 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 787 |
| Cost of funding earning assets | 0.6358% | 1,199 |
| Net interest margin | 4.2053% | 1,047 |
| Noninterest income to average assets | 0.3703% | 4,245 |
| Noninterest expense to average assets | 3.4898% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6544% | 4,026 |
| Return on assets (ROA) | 0.6544% | 4,147 |
| Pretax return on assets | 0.6544% | 4,742 |
| Return on Equity (ROE) | 4.7529% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.7529% | 3,189 |
| Net charge-offs to loans | 0.1471% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.3615% | 2,301 |
| Efficiency ratio | 84.0939% | 1,374 |
| Assets per employee ($millions) | 4.3291% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7986% | 369 |
| Loan loss allowance to noncurrent loans | 29.7604% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 10.8967% | 60 |
| Noncurrent loans to loans | 9.4037% | 69 |
| Net loans and leases to total assets | 66.7131% | 2,648 |
| Net loans and leases to deposits | 85.9703% | 1,837 |
| Net loans and leases to core deposits | 94.4106% | 1,733 |
| Total domestic deposits to total assets | 77.6002% | 5,518 |
| Equity capital to assets | 13.7283% | 1,080 |
| Core capital (leverage) ratio | 13.9430% | 844 |
| Tier 1 risk-based capital ratio | 16.7950% | 2,565 |
| Total risk-based capital ratio | 18.0597% | 2,511 |
| Memoranda: | ||
| Average total assets | $505,479,500 | 1,346 |
| Average earning assets | $453,616,000 | 1,382 |
| Average equity | $69,600,000 | 1,110 |
| Average total loans | $353,558,000 | 1,282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1670% | 129 |
| Cost of funding earning assets | 0.6670% | 1,285 |
| Net interest margin | 5.4999% | 133 |
| Noninterest income to average assets | 0.5773% | 3,003 |
| Noninterest expense to average assets | 3.4682% | 1,553 |
| Loan and lease loss provision to assets | 0.3141% | 643 |
| Net operating income to assets | 1.7346% | 538 |
| Return on assets (ROA) | 1.7346% | 549 |
| Pretax return on assets | 1.7346% | 919 |
| Return on Equity (ROE) | 13.1767% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.1767% | 214 |
| Net charge-offs to loans | 0.4935% | 840 |
| Credit loss provision to net charge-offs | 85.7605% | 2,745 |
| Earnings coverage of net charge-offs (x) | 5.5944% | 3,392 |
| Efficiency ratio | 62.6472% | 4,803 |
| Assets per employee ($millions) | 4.3429% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8649% | 345 |
| Loan loss allowance to noncurrent loans | 20.6425% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 14.8551% | 35 |
| Noncurrent loans to loans | 13.8787% | 33 |
| Net loans and leases to total assets | 69.2334% | 2,350 |
| Net loans and leases to deposits | 92.0837% | 1,280 |
| Net loans and leases to core deposits | 101.4854% | 1,279 |
| Total domestic deposits to total assets | 75.1853% | 5,837 |
| Equity capital to assets | 14.4352% | 828 |
| Core capital (leverage) ratio | 14.2772% | 754 |
| Tier 1 risk-based capital ratio | 17.4658% | 2,329 |
| Total risk-based capital ratio | 18.7321% | 2,290 |
| Memoranda: | ||
| Average total assets | $506,286,000 | 1,320 |
| Average earning assets | $454,696,000 | 1,349 |
| Average equity | $66,647,800 | 1,107 |
| Average total loans | $375,664,200 | 1,176 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1319% | 138 |
| Cost of funding earning assets | 0.6732% | 1,301 |
| Net interest margin | 5.4587% | 146 |
| Noninterest income to average assets | 0.3096% | 4,962 |
| Noninterest expense to average assets | 3.4480% | 1,567 |
| Loan and lease loss provision to assets | 0.4182% | 397 |
| Net operating income to assets | 1.3464% | 1,255 |
| Return on assets (ROA) | 1.3464% | 1,310 |
| Pretax return on assets | 1.3464% | 2,211 |
| Return on Equity (ROE) | 10.4794% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.4794% | 603 |
| Net charge-offs to loans | 0.5511% | 691 |
| Credit loss provision to net charge-offs | 101.2739% | 2,185 |
| Earnings coverage of net charge-offs (x) | 4.2733% | 3,493 |
| Efficiency ratio | 65.8997% | 4,227 |
| Assets per employee ($millions) | 4.4240% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9542% | 379 |
| Loan loss allowance to noncurrent loans | 19.0290% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 14.7336% | 38 |
| Noncurrent loans to loans | 15.5248% | 29 |
| Net loans and leases to total assets | 67.0889% | 2,673 |
| Net loans and leases to deposits | 85.3905% | 1,981 |
| Net loans and leases to core deposits | 94.8365% | 1,771 |
| Total domestic deposits to total assets | 78.5671% | 5,424 |
| Equity capital to assets | 13.2753% | 1,289 |
| Core capital (leverage) ratio | 13.4228% | 1,023 |
| Tier 1 risk-based capital ratio | 17.0070% | 2,620 |
| Total risk-based capital ratio | 18.2748% | 2,563 |
| Memoranda: | ||
| Average total assets | $506,914,000 | 1,334 |
| Average earning assets | $455,313,500 | 1,358 |
| Average equity | $65,129,500 | 1,135 |
| Average total loans | $379,813,500 | 1,174 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 161 |
| Cost of funding earning assets | 0.6844% | 1,279 |
| Net interest margin | 5.2528% | 179 |
| Noninterest income to average assets | 0.2559% | 5,365 |
| Noninterest expense to average assets | 3.5292% | 1,424 |
| Loan and lease loss provision to assets | 0.6318% | 225 |
| Net operating income to assets | 0.8066% | 3,289 |
| Return on assets (ROA) | 0.8066% | 3,395 |
| Pretax return on assets | 0.8066% | 4,239 |
| Return on Equity (ROE) | 6.3502% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.3502% | 2,117 |
| Net charge-offs to loans | 0.6726% | 568 |
| Credit loss provision to net charge-offs | 122.1198% | 1,702 |
| Earnings coverage of net charge-offs (x) | 2.7803% | 3,467 |
| Efficiency ratio | 70.7327% | 3,530 |
| Assets per employee ($millions) | 4.5019% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8494% | 453 |
| Loan loss allowance to noncurrent loans | 18.8246% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 15.2115% | 35 |
| Noncurrent loans to loans | 15.1366% | 34 |
| Net loans and leases to total assets | 71.3817% | 1,846 |
| Net loans and leases to deposits | 88.2082% | 1,573 |
| Net loans and leases to core deposits | 99.1423% | 1,350 |
| Total domestic deposits to total assets | 80.9241% | 5,006 |
| Equity capital to assets | 12.6812% | 1,549 |
| Core capital (leverage) ratio | 12.9418% | 1,174 |
| Tier 1 risk-based capital ratio | 15.4535% | 3,378 |
| Total risk-based capital ratio | 16.7207% | 3,311 |
| Memoranda: | ||
| Average total assets | $503,350,000 | 1,335 |
| Average earning assets | $451,493,670 | 1,366 |
| Average equity | $63,934,670 | 1,149 |
| Average total loans | $387,142,330 | 1,134 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1959% | 115 |
| Cost of funding earning assets | 0.6950% | 1,279 |
| Net interest margin | 5.5009% | 128 |
| Noninterest income to average assets | -0.0814% | 6,657 |
| Noninterest expense to average assets | 3.6883% | 1,150 |
| Loan and lease loss provision to assets | 0.8425% | 136 |
| Net operating income to assets | 0.2951% | 5,513 |
| Return on assets (ROA) | 0.2951% | 5,555 |
| Pretax return on assets | 0.2951% | 5,729 |
| Return on Equity (ROE) | 2.3210% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.3210% | 4,672 |
| Net charge-offs to loans | 1.1533% | 292 |
| Credit loss provision to net charge-offs | 92.8064% | 1,776 |
| Earnings coverage of net charge-offs (x) | 1.2531% | 3,136 |
| Efficiency ratio | 76.1276% | 2,779 |
| Assets per employee ($millions) | 4.4179% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7394% | 595 |
| Loan loss allowance to noncurrent loans | 15.6997% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 17.7220% | 26 |
| Noncurrent loans to loans | 17.4488% | 27 |
| Net loans and leases to total assets | 74.4606% | 1,198 |
| Net loans and leases to deposits | 92.1006% | 944 |
| Net loans and leases to core deposits | 104.1319% | 851 |
| Total domestic deposits to total assets | 80.8470% | 5,276 |
| Equity capital to assets | 12.7182% | 1,449 |
| Core capital (leverage) ratio | 12.6750% | 1,307 |
| Tier 1 risk-based capital ratio | 14.8607% | 3,782 |
| Total risk-based capital ratio | 16.1264% | 3,732 |
| Memoranda: | ||
| Average total assets | $496,164,500 | 1,364 |
| Average earning assets | $442,617,000 | 1,394 |
| Average equity | $63,075,500 | 1,162 |
| Average total loans | $390,515,000 | 1,137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 293 |
| Cost of funding earning assets | 0.7664% | 1,398 |
| Net interest margin | 4.8745% | 381 |
| Noninterest income to average assets | 0.0231% | 6,609 |
| Noninterest expense to average assets | 3.3401% | 2,021 |
| Loan and lease loss provision to assets | 1.0709% | 161 |
| Net operating income to assets | -0.0191% | 6,232 |
| Return on assets (ROA) | 0.0011% | 6,252 |
| Pretax return on assets | 0.0011% | 6,231 |
| Return on Equity (ROE) | 0.0092% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.0092% | 5,849 |
| Net charge-offs to loans | 0.8556% | 721 |
| Credit loss provision to net charge-offs | 157.3614% | 1,465 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 4,541 |
| Efficiency ratio | 75.7217% | 2,823 |
| Assets per employee ($millions) | 4.4827% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 702 |
| Loan loss allowance to noncurrent loans | 14.8005% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 18.8032% | 23 |
| Noncurrent loans to loans | 17.8742% | 27 |
| Net loans and leases to total assets | 78.7427% | 740 |
| Net loans and leases to deposits | 95.0975% | 792 |
| Net loans and leases to core deposits | 107.8597% | 702 |
| Total domestic deposits to total assets | 82.8021% | 4,611 |
| Equity capital to assets | 12.7069% | 1,419 |
| Core capital (leverage) ratio | 12.0050% | 1,606 |
| Tier 1 risk-based capital ratio | 14.1921% | 4,160 |
| Total risk-based capital ratio | 15.4567% | 4,092 |
| Memoranda: | ||
| Average total assets | $537,940,200 | 1,235 |
| Average earning assets | $482,141,000 | 1,265 |
| Average equity | $65,032,400 | 1,102 |
| Average total loans | $427,896,000 | 1,004 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 336 |
| Cost of funding earning assets | 0.7703% | 1,482 |
| Net interest margin | 4.7952% | 432 |
| Noninterest income to average assets | 0.7731% | 2,268 |
| Noninterest expense to average assets | 3.4001% | 1,826 |
| Loan and lease loss provision to assets | 0.8860% | 202 |
| Net operating income to assets | 0.7990% | 3,347 |
| Return on assets (ROA) | 0.8078% | 3,437 |
| Pretax return on assets | 0.8078% | 4,262 |
| Return on Equity (ROE) | 6.7593% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.7593% | 1,999 |
| Net charge-offs to loans | 0.5083% | 1,266 |
| Credit loss provision to net charge-offs | 219.9518% | 1,108 |
| Earnings coverage of net charge-offs (x) | 4.1833% | 3,517 |
| Efficiency ratio | 66.5871% | 4,376 |
| Assets per employee ($millions) | 4.5760% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5387% | 899 |
| Loan loss allowance to noncurrent loans | 13.1527% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 20.1117% | 18 |
| Noncurrent loans to loans | 19.3016% | 21 |
| Net loans and leases to total assets | 76.8381% | 891 |
| Net loans and leases to deposits | 92.5391% | 942 |
| Net loans and leases to core deposits | 104.7228% | 841 |
| Total domestic deposits to total assets | 83.0331% | 4,562 |
| Equity capital to assets | 12.7270% | 1,462 |
| Core capital (leverage) ratio | 12.2788% | 1,532 |
| Tier 1 risk-based capital ratio | 14.4409% | 4,111 |
| Total risk-based capital ratio | 15.7061% | 4,063 |
| Memoranda: | ||
| Average total assets | $549,150,000 | 1,220 |
| Average earning assets | $493,810,000 | 1,241 |
| Average equity | $65,626,000 | 1,103 |
| Average total loans | $435,162,000 | 983 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 651 |
| Cost of funding earning assets | 0.7820% | 1,513 |
| Net interest margin | 4.4035% | 838 |
| Noninterest income to average assets | 0.5445% | 3,544 |
| Noninterest expense to average assets | 2.9299% | 3,238 |
| Loan and lease loss provision to assets | 0.8780% | 226 |
| Net operating income to assets | 0.7003% | 3,807 |
| Return on assets (ROA) | 0.7132% | 3,918 |
| Pretax return on assets | 0.7132% | 4,642 |
| Return on Equity (ROE) | 6.0914% | 4,118 |
| Retained earnings to average equity (ytd only) | 6.0914% | 2,379 |
| Net charge-offs to loans | 0.3728% | 1,714 |
| Credit loss provision to net charge-offs | 296.7312% | 876 |
| Earnings coverage of net charge-offs (x) | 5.3341% | 2,914 |
| Efficiency ratio | 64.7040% | 4,756 |
| Assets per employee ($millions) | 4.8122% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 1,311 |
| Loan loss allowance to noncurrent loans | 11.5497% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 20.9474% | 18 |
| Noncurrent loans to loans | 19.6089% | 23 |
| Net loans and leases to total assets | 79.2620% | 611 |
| Net loans and leases to deposits | 94.4377% | 781 |
| Net loans and leases to core deposits | 106.6979% | 707 |
| Total domestic deposits to total assets | 83.9305% | 4,346 |
| Equity capital to assets | 11.9294% | 1,956 |
| Core capital (leverage) ratio | 11.4212% | 2,005 |
| Tier 1 risk-based capital ratio | 13.0533% | 5,099 |
| Total risk-based capital ratio | 14.3143% | 5,039 |
| Memoranda: | ||
| Average total assets | $558,312,670 | 1,198 |
| Average earning assets | $502,557,670 | 1,223 |
| Average equity | $65,370,670 | 1,106 |
| Average total loans | $443,124,000 | 961 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 462 |
| Cost of funding earning assets | 0.8033% | 1,507 |
| Net interest margin | 4.5422% | 629 |
| Noninterest income to average assets | 0.5114% | 3,703 |
| Noninterest expense to average assets | 2.8595% | 3,508 |
| Loan and lease loss provision to assets | 1.0057% | 177 |
| Net operating income to assets | 0.7387% | 3,485 |
| Return on assets (ROA) | 0.7387% | 3,622 |
| Pretax return on assets | 0.7387% | 4,414 |
| Return on Equity (ROE) | 6.3673% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.3673% | 2,475 |
| Net charge-offs to loans | 0.0154% | 3,846 |
| Credit loss provision to net charge-offs | 8,329.4118% | 27 |
| Earnings coverage of net charge-offs (x) | 144.4706% | 272 |
| Efficiency ratio | 61.8173% | 5,331 |
| Assets per employee ($millions) | 4.7817% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 1,517 |
| Loan loss allowance to noncurrent loans | 13.5937% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 17.7568% | 44 |
| Noncurrent loans to loans | 16.4298% | 50 |
| Net loans and leases to total assets | 76.4183% | 789 |
| Net loans and leases to deposits | 91.5530% | 841 |
| Net loans and leases to core deposits | 103.9314% | 717 |
| Total domestic deposits to total assets | 83.4689% | 4,685 |
| Equity capital to assets | 11.6563% | 2,287 |
| Core capital (leverage) ratio | 11.0818% | 2,195 |
| Tier 1 risk-based capital ratio | 12.8627% | 5,327 |
| Total risk-based capital ratio | 14.1238% | 5,262 |
| Memoranda: | ||
| Average total assets | $563,173,000 | 1,204 |
| Average earning assets | $507,418,500 | 1,227 |
| Average equity | $65,334,000 | 1,130 |
| Average total loans | $442,235,500 | 969 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7148% | 423 |
| Cost of funding earning assets | 0.8920% | 1,981 |
| Net interest margin | 4.8228% | 524 |
| Noninterest income to average assets | 1.0071% | 1,515 |
| Noninterest expense to average assets | 2.9877% | 3,319 |
| Loan and lease loss provision to assets | 1.7997% | 141 |
| Net operating income to assets | 0.6470% | 4,005 |
| Return on assets (ROA) | 0.6470% | 4,266 |
| Pretax return on assets | 0.6470% | 4,830 |
| Return on Equity (ROE) | 5.1103% | 4,629 |
| Retained earnings to average equity (ytd only) | -10.0436% | 6,638 |
| Net charge-offs to loans | 1.7993% | 453 |
| Credit loss provision to net charge-offs | 123.9519% | 2,295 |
| Earnings coverage of net charge-offs (x) | 1.6851% | 4,595 |
| Efficiency ratio | 54.1494% | 6,251 |
| Assets per employee ($millions) | 4.8879% | 2,370 |
| Cash dividends to net income (ytd only)* | 296.5367% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,280 |
| Loan loss allowance to noncurrent loans | 11.1233% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 17.5979% | 47 |
| Noncurrent loans to loans | 17.1312% | 52 |
| Net loans and leases to total assets | 77.3854% | 744 |
| Net loans and leases to deposits | 92.6272% | 860 |
| Net loans and leases to core deposits | 102.5366% | 858 |
| Total domestic deposits to total assets | 83.5451% | 4,523 |
| Equity capital to assets | 11.5456% | 2,401 |
| Core capital (leverage) ratio | 10.7594% | 2,479 |
| Tier 1 risk-based capital ratio | 12.5813% | 5,414 |
| Total risk-based capital ratio | 13.8386% | 5,354 |
| Memoranda: | ||
| Average total assets | $566,749,400 | 1,171 |
| Average earning assets | $520,279,800 | 1,165 |
| Average equity | $71,757,000 | 984 |
| Average total loans | $457,335,400 | 909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1662% | 227 |
| Cost of funding earning assets | 0.9008% | 2,166 |
| Net interest margin | 5.2654% | 262 |
| Noninterest income to average assets | 0.9154% | 1,777 |
| Noninterest expense to average assets | 2.5555% | 4,897 |
| Loan and lease loss provision to assets | 0.7748% | 629 |
| Net operating income to assets | 2.4402% | 195 |
| Return on assets (ROA) | 2.4402% | 212 |
| Pretax return on assets | 2.4402% | 323 |
| Return on Equity (ROE) | 18.8622% | 406 |
| Retained earnings to average equity (ytd only) | 4.3771% | 3,809 |
| Net charge-offs to loans | 0.5130% | 2,071 |
| Credit loss provision to net charge-offs | 186.1252% | 1,489 |
| Earnings coverage of net charge-offs (x) | 7.7236% | 2,564 |
| Efficiency ratio | 43.5453% | 6,909 |
| Assets per employee ($millions) | 5.0571% | 2,108 |
| Cash dividends to net income (ytd only)* | 76.7943% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 2,938 |
| Loan loss allowance to noncurrent loans | 11.9532% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 15.1431% | 88 |
| Noncurrent loans to loans | 14.6994% | 107 |
| Net loans and leases to total assets | 78.3444% | 688 |
| Net loans and leases to deposits | 95.2087% | 711 |
| Net loans and leases to core deposits | 105.9003% | 746 |
| Total domestic deposits to total assets | 82.2870% | 4,925 |
| Equity capital to assets | 13.0529% | 1,572 |
| Core capital (leverage) ratio | 12.6856% | 1,326 |
| Tier 1 risk-based capital ratio | 14.1353% | 4,432 |
| Total risk-based capital ratio | 15.3896% | 4,387 |
| Memoranda: | ||
| Average total assets | $567,909,000 | 1,184 |
| Average earning assets | $523,660,000 | 1,167 |
| Average equity | $73,471,500 | 965 |
| Average total loans | $460,808,750 | 895 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1084% | 254 |
| Cost of funding earning assets | 0.9165% | 2,283 |
| Net interest margin | 5.1920% | 291 |
| Noninterest income to average assets | 0.8914% | 1,815 |
| Noninterest expense to average assets | 2.5529% | 4,948 |
| Loan and lease loss provision to assets | 0.5646% | 1,082 |
| Net operating income to assets | 2.5942% | 152 |
| Return on assets (ROA) | 2.5942% | 170 |
| Pretax return on assets | 2.5942% | 264 |
| Return on Equity (ROE) | 20.1126% | 353 |
| Retained earnings to average equity (ytd only) | 5.1219% | 3,210 |
| Net charge-offs to loans | 0.6171% | 1,781 |
| Credit loss provision to net charge-offs | 112.1233% | 2,434 |
| Earnings coverage of net charge-offs (x) | 6.2726% | 2,669 |
| Efficiency ratio | 44.0346% | 6,954 |
| Assets per employee ($millions) | 4.9006% | 2,293 |
| Cash dividends to net income (ytd only)* | 74.5341% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 4,340 |
| Loan loss allowance to noncurrent loans | 9.6369% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 14.5955% | 109 |
| Noncurrent loans to loans | 14.8488% | 104 |
| Net loans and leases to total assets | 82.0302% | 337 |
| Net loans and leases to deposits | 100.0828% | 413 |
| Net loans and leases to core deposits | 109.6298% | 587 |
| Total domestic deposits to total assets | 81.9624% | 5,149 |
| Equity capital to assets | 13.2486% | 1,413 |
| Core capital (leverage) ratio | 12.5766% | 1,321 |
| Tier 1 risk-based capital ratio | 13.9887% | 4,458 |
| Total risk-based capital ratio | 15.2376% | 4,427 |
| Memoranda: | ||
| Average total assets | $566,728,670 | 1,186 |
| Average earning assets | $526,158,000 | 1,167 |
| Average equity | $73,098,330 | 960 |
| Average total loans | $462,509,670 | 888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0824% | 272 |
| Cost of funding earning assets | 0.9295% | 2,445 |
| Net interest margin | 5.1528% | 317 |
| Noninterest income to average assets | 0.5179% | 3,792 |
| Noninterest expense to average assets | 2.3050% | 5,756 |
| Loan and lease loss provision to assets | 0.4205% | 1,498 |
| Net operating income to assets | 2.6022% | 154 |
| Return on assets (ROA) | 2.6022% | 186 |
| Pretax return on assets | 2.6022% | 290 |
| Return on Equity (ROE) | 20.4462% | 362 |
| Retained earnings to average equity (ytd only) | 4.5925% | 3,817 |
| Net charge-offs to loans | 0.5203% | 1,788 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 7.1883% | 2,103 |
| Efficiency ratio | 42.6072% | 7,039 |
| Assets per employee ($millions) | 5.4786% | 1,715 |
| Cash dividends to net income (ytd only)* | 77.5384% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 4,617 |
| Loan loss allowance to noncurrent loans | 9.3731% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 13.5411% | 147 |
| Noncurrent loans to loans | 14.9403% | 122 |
| Net loans and leases to total assets | 79.3133% | 468 |
| Net loans and leases to deposits | 94.9155% | 607 |
| Net loans and leases to core deposits | 105.5225% | 693 |
| Total domestic deposits to total assets | 83.5620% | 4,691 |
| Equity capital to assets | 12.6924% | 1,598 |
| Core capital (leverage) ratio | 12.3061% | 1,431 |
| Tier 1 risk-based capital ratio | 13.9480% | 4,509 |
| Total risk-based capital ratio | 15.1987% | 4,474 |
| Memoranda: | ||
| Average total assets | $570,757,000 | 1,181 |
| Average earning assets | $532,754,500 | 1,152 |
| Average equity | $72,639,500 | 960 |
| Average total loans | $461,298,000 | 890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3008% | 253 |
| Cost of funding earning assets | 0.9538% | 3,699 |
| Net interest margin | 5.3470% | 222 |
| Noninterest income to average assets | 0.7121% | 2,537 |
| Noninterest expense to average assets | 2.3839% | 5,817 |
| Loan and lease loss provision to assets | 0.2006% | 4,180 |
| Net operating income to assets | 3.1208% | 78 |
| Return on assets (ROA) | 3.1208% | 78 |
| Pretax return on assets | 3.1208% | 113 |
| Return on Equity (ROE) | 24.2857% | 128 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,017 |
| Net charge-offs to loans | 0.1000% | 5,352 |
| Credit loss provision to net charge-offs | 246.7269% | 982 |
| Earnings coverage of net charge-offs (x) | 40.8600% | 661 |
| Efficiency ratio | 40.6490% | 7,201 |
| Assets per employee ($millions) | 5.1014% | 2,065 |
| Cash dividends to net income (ytd only)* | 75.2999% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 4,413 |
| Loan loss allowance to noncurrent loans | 9.3792% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 13.7484% | 165 |
| Noncurrent loans to loans | 15.0239% | 129 |
| Net loans and leases to total assets | 80.0663% | 488 |
| Net loans and leases to deposits | 95.9289% | 676 |
| Net loans and leases to core deposits | 107.3391% | 740 |
| Total domestic deposits to total assets | 83.4642% | 4,557 |
| Equity capital to assets | 12.7619% | 1,620 |
| Core capital (leverage) ratio | 11.9048% | 1,653 |
| Tier 1 risk-based capital ratio | 13.6511% | 4,591 |
| Total risk-based capital ratio | 14.9017% | 4,547 |
| Memoranda: | ||
| Average total assets | $544,979,800 | 1,214 |
| Average earning assets | $508,917,400 | 1,188 |
| Average equity | $70,033,000 | 956 |
| Average total loans | $443,103,600 | 939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3572% | 245 |
| Cost of funding earning assets | 0.9306% | 4,192 |
| Net interest margin | 5.4265% | 197 |
| Noninterest income to average assets | 0.6648% | 2,800 |
| Noninterest expense to average assets | 2.4005% | 5,763 |
| Loan and lease loss provision to assets | 0.1482% | 4,594 |
| Net operating income to assets | 3.1856% | 85 |
| Return on assets (ROA) | 3.1856% | 86 |
| Pretax return on assets | 3.1856% | 120 |
| Return on Equity (ROE) | 24.7450% | 136 |
| Retained earnings to average equity (ytd only) | 5.5865% | 2,804 |
| Net charge-offs to loans | 0.0152% | 5,939 |
| Credit loss provision to net charge-offs | 1,200.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 269.8598% | 143 |
| Efficiency ratio | 40.7238% | 7,242 |
| Assets per employee ($millions) | 5.1888% | 1,942 |
| Cash dividends to net income (ytd only)* | 77.4236% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,600 |
| Loan loss allowance to noncurrent loans | 10.7056% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 11.2551% | 268 |
| Noncurrent loans to loans | 12.9920% | 201 |
| Net loans and leases to total assets | 78.5347% | 655 |
| Net loans and leases to deposits | 93.5898% | 874 |
| Net loans and leases to core deposits | 105.4024% | 898 |
| Total domestic deposits to total assets | 83.9138% | 4,273 |
| Equity capital to assets | 12.3373% | 2,007 |
| Core capital (leverage) ratio | 12.1519% | 1,620 |
| Tier 1 risk-based capital ratio | 13.5655% | 4,693 |
| Total risk-based capital ratio | 14.8161% | 4,659 |
| Memoranda: | ||
| Average total assets | $539,660,750 | 1,231 |
| Average earning assets | $504,153,000 | 1,200 |
| Average equity | $69,475,000 | 974 |
| Average total loans | $438,914,500 | 963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6086% | 181 |
| Cost of funding earning assets | 0.9301% | 4,451 |
| Net interest margin | 5.6784% | 134 |
| Noninterest income to average assets | 0.7813% | 2,106 |
| Noninterest expense to average assets | 2.4926% | 5,571 |
| Loan and lease loss provision to assets | 0.2275% | 3,641 |
| Net operating income to assets | 3.3588% | 88 |
| Return on assets (ROA) | 3.3588% | 90 |
| Pretax return on assets | 3.3588% | 120 |
| Return on Equity (ROE) | 25.7007% | 118 |
| Retained earnings to average equity (ytd only) | 6.0075% | 2,424 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6445% | 7,341 |
| Assets per employee ($millions) | 4.8130% | 2,389 |
| Cash dividends to net income (ytd only)* | 76.6253% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 4,409 |
| Loan loss allowance to noncurrent loans | 15.8883% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 8.5539% | 508 |
| Noncurrent loans to loans | 9.0447% | 456 |
| Net loans and leases to total assets | 82.5485% | 334 |
| Net loans and leases to deposits | 99.6932% | 509 |
| Net loans and leases to core deposits | 113.1185% | 611 |
| Total domestic deposits to total assets | 82.8025% | 4,848 |
| Equity capital to assets | 13.1447% | 1,451 |
| Core capital (leverage) ratio | 12.7398% | 1,275 |
| Tier 1 risk-based capital ratio | 13.6610% | 4,409 |
| Total risk-based capital ratio | 14.9128% | 4,387 |
| Memoranda: | ||
| Average total assets | $527,563,000 | 1,272 |
| Average earning assets | $492,179,000 | 1,241 |
| Average equity | $68,947,670 | 982 |
| Average total loans | $432,318,000 | 997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7402% | 154 |
| Cost of funding earning assets | 0.9489% | 4,578 |
| Net interest margin | 5.7914% | 115 |
| Noninterest income to average assets | 0.6287% | 2,969 |
| Noninterest expense to average assets | 2.5279% | 5,456 |
| Loan and lease loss provision to assets | 0.2289% | 3,365 |
| Net operating income to assets | 3.2788% | 101 |
| Return on assets (ROA) | 3.2788% | 104 |
| Pretax return on assets | 3.2788% | 134 |
| Return on Equity (ROE) | 25.1621% | 163 |
| Retained earnings to average equity (ytd only) | 3.0216% | 4,347 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5676% | 7,357 |
| Assets per employee ($millions) | 4.7544% | 2,489 |
| Cash dividends to net income (ytd only)* | 87.9916% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,577 |
| Loan loss allowance to noncurrent loans | 14.5333% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 9.0599% | 475 |
| Noncurrent loans to loans | 9.7490% | 419 |
| Net loans and leases to total assets | 81.5542% | 383 |
| Net loans and leases to deposits | 98.4809% | 546 |
| Net loans and leases to core deposits | 106.5480% | 914 |
| Total domestic deposits to total assets | 82.8122% | 4,988 |
| Equity capital to assets | 13.0923% | 1,345 |
| Core capital (leverage) ratio | 12.8016% | 1,196 |
| Tier 1 risk-based capital ratio | 13.8540% | 4,175 |
| Total risk-based capital ratio | 15.1045% | 4,148 |
| Memoranda: | ||
| Average total assets | $524,221,000 | 1,292 |
| Average earning assets | $489,419,000 | 1,258 |
| Average equity | $68,309,000 | 984 |
| Average total loans | $424,755,500 | 1,025 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8001% | 200 |
| Cost of funding earning assets | 1.2490% | 4,223 |
| Net interest margin | 5.5511% | 159 |
| Noninterest income to average assets | 0.9268% | 1,752 |
| Noninterest expense to average assets | 2.5883% | 5,462 |
| Loan and lease loss provision to assets | 0.3327% | 4,157 |
| Net operating income to assets | 3.2090% | 65 |
| Return on assets (ROA) | 3.2090% | 66 |
| Pretax return on assets | 3.2090% | 99 |
| Return on Equity (ROE) | 26.7134% | 72 |
| Retained earnings to average equity (ytd only) | 5.3001% | 2,246 |
| Net charge-offs to loans | 0.1233% | 5,657 |
| Credit loss provision to net charge-offs | 366.1191% | 696 |
| Earnings coverage of net charge-offs (x) | 38.9733% | 597 |
| Efficiency ratio | 41.9957% | 7,464 |
| Assets per employee ($millions) | 4.3070% | 3,192 |
| Cash dividends to net income (ytd only)* | 80.1593% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 4,514 |
| Loan loss allowance to noncurrent loans | 15.0320% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 8.3044% | 575 |
| Noncurrent loans to loans | 9.3038% | 480 |
| Net loans and leases to total assets | 78.2242% | 908 |
| Net loans and leases to deposits | 94.2656% | 1,038 |
| Net loans and leases to core deposits | 101.4671% | 1,497 |
| Total domestic deposits to total assets | 82.9827% | 4,803 |
| Equity capital to assets | 12.9691% | 1,401 |
| Core capital (leverage) ratio | 12.0662% | 1,500 |
| Tier 1 risk-based capital ratio | 14.1258% | 3,787 |
| Total risk-based capital ratio | 15.3759% | 3,745 |
| Memoranda: | ||
| Average total assets | $535,904,600 | 1,253 |
| Average earning assets | $502,317,400 | 1,225 |
| Average equity | $64,376,000 | 1,036 |
| Average total loans | $394,922,600 | 1,142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6169% | 278 |
| Cost of funding earning assets | 1.2908% | 4,280 |
| Net interest margin | 5.3262% | 228 |
| Noninterest income to average assets | 0.9827% | 1,511 |
| Noninterest expense to average assets | 2.6158% | 5,260 |
| Loan and lease loss provision to assets | 0.4414% | 3,266 |
| Net operating income to assets | 2.9203% | 86 |
| Return on assets (ROA) | 2.9203% | 88 |
| Pretax return on assets | 2.9203% | 131 |
| Return on Equity (ROE) | 24.7918% | 125 |
| Retained earnings to average equity (ytd only) | -4.1828% | 6,479 |
| Net charge-offs to loans | 0.1671% | 4,976 |
| Credit loss provision to net charge-offs | 365.3689% | 847 |
| Earnings coverage of net charge-offs (x) | 27.8238% | 926 |
| Efficiency ratio | 43.5696% | 7,477 |
| Assets per employee ($millions) | 4.3604% | 3,145 |
| Cash dividends to net income (ytd only)* | 116.8716% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,303 |
| Loan loss allowance to noncurrent loans | 13.8935% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 8.7580% | 532 |
| Noncurrent loans to loans | 10.3040% | 396 |
| Net loans and leases to total assets | 74.8303% | 1,613 |
| Net loans and leases to deposits | 90.2375% | 1,694 |
| Net loans and leases to core deposits | 96.1473% | 2,242 |
| Total domestic deposits to total assets | 82.9260% | 4,625 |
| Equity capital to assets | 11.7318% | 2,335 |
| Core capital (leverage) ratio | 11.2826% | 2,075 |
| Tier 1 risk-based capital ratio | 13.1050% | 4,498 |
| Total risk-based capital ratio | 14.3553% | 4,469 |
| Memoranda: | ||
| Average total assets | $538,517,000 | 1,257 |
| Average earning assets | $505,014,750 | 1,229 |
| Average equity | $63,433,250 | 1,053 |
| Average total loans | $389,437,500 | 1,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5557% | 313 |
| Cost of funding earning assets | 1.3523% | 4,180 |
| Net interest margin | 5.2033% | 282 |
| Noninterest income to average assets | 1.0719% | 1,170 |
| Noninterest expense to average assets | 2.6482% | 5,134 |
| Loan and lease loss provision to assets | 0.6613% | 2,182 |
| Net operating income to assets | 2.6430% | 115 |
| Return on assets (ROA) | 2.6430% | 121 |
| Pretax return on assets | 2.6430% | 189 |
| Return on Equity (ROE) | 22.4075% | 193 |
| Retained earnings to average equity (ytd only) | -0.0157% | 5,734 |
| Net charge-offs to loans | 0.0203% | 6,054 |
| Credit loss provision to net charge-offs | 4,571.7949% | 83 |
| Earnings coverage of net charge-offs (x) | 228.4359% | 147 |
| Efficiency ratio | 44.3143% | 7,510 |
| Assets per employee ($millions) | 4.3798% | 3,078 |
| Cash dividends to net income (ytd only)* | 100.0702% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,480 |
| Loan loss allowance to noncurrent loans | 15.6523% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 8.4211% | 559 |
| Noncurrent loans to loans | 10.1744% | 433 |
| Net loans and leases to total assets | 73.8120% | 1,948 |
| Net loans and leases to deposits | 88.3397% | 2,118 |
| Net loans and leases to core deposits | 94.7428% | 2,612 |
| Total domestic deposits to total assets | 83.5547% | 4,311 |
| Equity capital to assets | 12.3943% | 1,869 |
| Core capital (leverage) ratio | 11.4349% | 1,947 |
| Tier 1 risk-based capital ratio | 13.9869% | 3,737 |
| Total risk-based capital ratio | 15.2392% | 3,699 |
| Memoranda: | ||
| Average total assets | $539,244,330 | 1,261 |
| Average earning assets | $505,790,670 | 1,229 |
| Average equity | $63,603,670 | 1,050 |
| Average total loans | $383,526,670 | 1,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6748% | 277 |
| Cost of funding earning assets | 1.3485% | 4,508 |
| Net interest margin | 5.3262% | 233 |
| Noninterest income to average assets | 0.4065% | 4,859 |
| Noninterest expense to average assets | 2.6172% | 5,278 |
| Loan and lease loss provision to assets | 0.0879% | 5,758 |
| Net operating income to assets | 2.7036% | 118 |
| Return on assets (ROA) | 2.7036% | 123 |
| Pretax return on assets | 2.7036% | 186 |
| Return on Equity (ROE) | 23.4965% | 208 |
| Retained earnings to average equity (ytd only) | -21.8986% | 7,414 |
| Net charge-offs to loans | 0.0412% | 5,003 |
| Credit loss provision to net charge-offs | 307.6923% | 1,279 |
| Earnings coverage of net charge-offs (x) | 97.7179% | 332 |
| Efficiency ratio | 47.4810% | 7,477 |
| Assets per employee ($millions) | 4.5997% | 2,800 |
| Cash dividends to net income (ytd only)* | 193.1997% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 5,421 |
| Loan loss allowance to noncurrent loans | 12.7412% | 7,270 |
| Noncurrent assets plus other real estate owned to assets | 7.1193% | 751 |
| Noncurrent loans to loans | 9.5475% | 459 |
| Net loans and leases to total assets | 67.8962% | 3,411 |
| Net loans and leases to deposits | 80.3510% | 3,591 |
| Net loans and leases to core deposits | 87.3404% | 3,702 |
| Total domestic deposits to total assets | 84.4995% | 3,895 |
| Equity capital to assets | 11.1337% | 2,650 |
| Core capital (leverage) ratio | 10.8431% | 2,341 |
| Tier 1 risk-based capital ratio | 13.4028% | 4,044 |
| Total risk-based capital ratio | 14.4707% | 4,146 |
| Memoranda: | ||
| Average total assets | $546,080,500 | 1,280 |
| Average earning assets | $512,858,000 | 1,239 |
| Average equity | $62,835,000 | 1,067 |
| Average total loans | $378,183,500 | 1,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1643% | 221 |
| Cost of funding earning assets | 2.0150% | 2,892 |
| Net interest margin | 5.1493% | 323 |
| Noninterest income to average assets | 1.5993% | 562 |
| Noninterest expense to average assets | 2.9235% | 4,446 |
| Loan and lease loss provision to assets | 0.3720% | 4,549 |
| Net operating income to assets | 3.0671% | 52 |
| Return on assets (ROA) | 3.0671% | 57 |
| Pretax return on assets | 3.0671% | 93 |
| Return on Equity (ROE) | 22.9996% | 135 |
| Retained earnings to average equity (ytd only) | 14.6358% | 102 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1452% | 7,744 |
| Assets per employee ($millions) | 4.5017% | 2,921 |
| Cash dividends to net income (ytd only)* | 36.3650% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,340 |
| Loan loss allowance to noncurrent loans | 13.9263% | 7,287 |
| Noncurrent assets plus other real estate owned to assets | 6.5961% | 816 |
| Noncurrent loans to loans | 8.6360% | 548 |
| Net loans and leases to total assets | 68.9481% | 3,501 |
| Net loans and leases to deposits | 82.2453% | 3,583 |
| Net loans and leases to core deposits | 101.1858% | 3,881 |
| Total domestic deposits to total assets | 83.8322% | 4,109 |
| Equity capital to assets | 11.8875% | 2,088 |
| Core capital (leverage) ratio | 11.3242% | 2,023 |
| Tier 1 risk-based capital ratio | 14.2442% | 3,348 |
| Total risk-based capital ratio | 15.2968% | 3,425 |
| Memoranda: | ||
| Average total assets | $434,130,200 | 1,595 |
| Average earning assets | $401,587,600 | 1,580 |
| Average equity | $57,892,400 | 1,142 |
| Average total loans | $290,045,200 | 1,656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0122% | 1,985 |
| Cost of funding earning assets | 2.1715% | 2,548 |
| Net interest margin | 3.8406% | 3,476 |
| Noninterest income to average assets | 2.0552% | 348 |
| Noninterest expense to average assets | 2.9063% | 4,428 |
| Loan and lease loss provision to assets | 0.4573% | 3,621 |
| Net operating income to assets | 2.2298% | 169 |
| Return on assets (ROA) | 2.2298% | 187 |
| Pretax return on assets | 2.2298% | 325 |
| Return on Equity (ROE) | 16.1408% | 635 |
| Retained earnings to average equity (ytd only) | 4.6763% | 2,667 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7953% | 7,500 |
| Assets per employee ($millions) | 4.2108% | 3,360 |
| Cash dividends to net income (ytd only)* | 71.0283% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 4,933 |
| Loan loss allowance to noncurrent loans | 14.6622% | 7,343 |
| Noncurrent assets plus other real estate owned to assets | 5.8076% | 950 |
| Noncurrent loans to loans | 8.4143% | 552 |
| Net loans and leases to total assets | 62.1777% | 5,213 |
| Net loans and leases to deposits | 74.6854% | 5,267 |
| Net loans and leases to core deposits | 93.3103% | 5,096 |
| Total domestic deposits to total assets | 83.2528% | 4,086 |
| Equity capital to assets | 10.4652% | 3,552 |
| Core capital (leverage) ratio | 11.1793% | 2,274 |
| Tier 1 risk-based capital ratio | 13.3036% | 3,987 |
| Total risk-based capital ratio | 14.3503% | 4,054 |
| Memoranda: | ||
| Average total assets | $407,613,250 | 1,704 |
| Average earning assets | $375,518,000 | 1,689 |
| Average equity | $56,311,500 | 1,189 |
| Average total loans | $268,309,000 | 1,807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2569% | 1,317 |
| Cost of funding earning assets | 2.3756% | 2,058 |
| Net interest margin | 3.8813% | 3,201 |
| Noninterest income to average assets | 0.5209% | 4,268 |
| Noninterest expense to average assets | 2.7945% | 4,982 |
| Loan and lease loss provision to assets | 0.1228% | 5,882 |
| Net operating income to assets | 1.1541% | 1,598 |
| Return on assets (ROA) | 1.1541% | 1,681 |
| Pretax return on assets | 1.1541% | 2,447 |
| Return on Equity (ROE) | 7.4229% | 3,019 |
| Retained earnings to average equity (ytd only) | 1.9751% | 4,241 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9912% | 5,367 |
| Assets per employee ($millions) | 3.8590% | 3,963 |
| Cash dividends to net income (ytd only)* | 73.3914% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,233 |
| Loan loss allowance to noncurrent loans | 17.7234% | 7,246 |
| Noncurrent assets plus other real estate owned to assets | 5.5228% | 914 |
| Noncurrent loans to loans | 7.3722% | 643 |
| Net loans and leases to total assets | 63.3413% | 5,112 |
| Net loans and leases to deposits | 80.0503% | 4,538 |
| Net loans and leases to core deposits | 103.1663% | 4,163 |
| Total domestic deposits to total assets | 79.1269% | 5,774 |
| Equity capital to assets | 15.0196% | 1,021 |
| Core capital (leverage) ratio | 15.3568% | 849 |
| Tier 1 risk-based capital ratio | 18.6406% | 1,854 |
| Total risk-based capital ratio | 19.7369% | 1,832 |
| Memoranda: | ||
| Average total assets | $358,209,330 | 1,937 |
| Average earning assets | $327,671,330 | 1,927 |
| Average equity | $55,692,670 | 1,208 |
| Average total loans | $241,106,670 | 1,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5913% | 718 |
| Cost of funding earning assets | 2.6568% | 1,387 |
| Net interest margin | 3.9345% | 2,913 |
| Noninterest income to average assets | 0.5438% | 3,974 |
| Noninterest expense to average assets | 2.8422% | 4,369 |
| Loan and lease loss provision to assets | 0.1828% | 4,616 |
| Net operating income to assets | 1.1138% | 1,912 |
| Return on assets (ROA) | 1.1138% | 2,035 |
| Pretax return on assets | 1.1138% | 2,940 |
| Return on Equity (ROE) | 7.0362% | 3,575 |
| Retained earnings to average equity (ytd only) | 1.6093% | 4,944 |
| Net charge-offs to loans | -0.0033% | 7,139 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0439% | 5,135 |
| Assets per employee ($millions) | 3.6504% | 4,448 |
| Cash dividends to net income (ytd only)* | 77.1282% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,267 |
| Loan loss allowance to noncurrent loans | 20.7126% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 4.8213% | 958 |
| Noncurrent loans to loans | 6.1365% | 767 |
| Net loans and leases to total assets | 69.7443% | 3,738 |
| Net loans and leases to deposits | 90.0916% | 2,915 |
| Net loans and leases to core deposits | 123.3326% | 2,131 |
| Total domestic deposits to total assets | 77.4149% | 6,177 |
| Equity capital to assets | 16.1872% | 843 |
| Core capital (leverage) ratio | 15.1596% | 934 |
| Tier 1 risk-based capital ratio | 18.9018% | 1,835 |
| Total risk-based capital ratio | 20.0009% | 1,819 |
| Memoranda: | ||
| Average total assets | $350,152,500 | 1,986 |
| Average earning assets | $319,936,000 | 1,988 |
| Average equity | $55,428,000 | 1,231 |
| Average total loans | $241,540,000 | 2,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6815% | 2,096 |
| Cost of funding earning assets | 2.6609% | 3,365 |
| Net interest margin | 4.0205% | 3,022 |
| Noninterest income to average assets | 0.7087% | 3,064 |
| Noninterest expense to average assets | 3.1442% | 3,538 |
| Loan and lease loss provision to assets | 0.0096% | 7,249 |
| Net operating income to assets | 1.2731% | 1,560 |
| Return on assets (ROA) | 1.1304% | 1,948 |
| Pretax return on assets | 1.1304% | 2,921 |
| Return on Equity (ROE) | 6.4700% | 3,771 |
| Retained earnings to average equity (ytd only) | 1.7107% | 4,193 |
| Net charge-offs to loans | 0.0024% | 6,985 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 800.0000% | 63 |
| Efficiency ratio | 69.3734% | 4,464 |
| Assets per employee ($millions) | 3.7204% | 4,131 |
| Cash dividends to net income (ytd only)* | 73.5603% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,437 |
| Loan loss allowance to noncurrent loans | 21.2322% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 4.2429% | 936 |
| Noncurrent loans to loans | 5.7122% | 667 |
| Net loans and leases to total assets | 66.5685% | 4,740 |
| Net loans and leases to deposits | 84.9124% | 4,272 |
| Net loans and leases to core deposits | 140.5671% | 1,236 |
| Total domestic deposits to total assets | 78.3967% | 5,582 |
| Equity capital to assets | 15.4862% | 1,050 |
| Core capital (leverage) ratio | 15.3039% | 959 |
| Tier 1 risk-based capital ratio | 18.7783% | 1,857 |
| Total risk-based capital ratio | 19.8181% | 1,853 |
| Memoranda: | ||
| Average total assets | $311,848,600 | 2,143 |
| Average earning assets | $288,393,800 | 2,113 |
| Average equity | $54,482,000 | 1,237 |
| Average total loans | $209,166,600 | 2,211 |