Home > Edmonton State Bank > Performance and Condition Ratios
Edmonton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 1,310 |
| Cost of funding earning assets | 0.8707% | 3,582 |
| Net interest margin | 4.5305% | 587 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.9774% | 1,154 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.7555% | 657 |
| Return on assets (ROA) | 1.4848% | 1,016 |
| Pretax return on assets | 1.4848% | 1,458 |
| Return on Equity (ROE) | 11.6900% | 2,043 |
| Retained earnings to average equity (ytd only) | -14.2264% | 4,492 |
| Net charge-offs to loans | 0.0569% | 1,288 |
| Credit loss provision to net charge-offs | 692.8161% | 536 |
| Earnings coverage of net charge-offs (x) | 46.6408% | 1,336 |
| Efficiency ratio | 58.2365% | 3,270 |
| Assets per employee ($millions) | 4.8878% | 3,713 |
| Cash dividends to net income (ytd only)* | 221.6871% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 2,850 |
| Loan loss allowance to noncurrent loans | 763.6687% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 2,761 |
| Noncurrent loans to loans | 0.1439% | 2,796 |
| Net loans and leases to total assets | 79.7600% | 668 |
| Net loans and leases to deposits | 92.4161% | 1,058 |
| Net loans and leases to core deposits | 96.7640% | 1,618 |
| Total domestic deposits to total assets | 86.3100% | 1,911 |
| Equity capital to assets | 12.1966% | 1,068 |
| Core capital (leverage) ratio | 10.1921% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $787,251,000 | 1,197 |
| Average earning assets | $741,392,200 | 1,181 |
| Average equity | $99,982,800 | 947 |
| Average total loans | $611,677,400 | 1,078 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 2,022 |
| Cost of funding earning assets | 0.6905% | 3,783 |
| Net interest margin | 4.2282% | 883 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.5674% | 2,038 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.1531% | 401 |
| Return on assets (ROA) | 2.1531% | 395 |
| Pretax return on assets | 2.1531% | 593 |
| Return on Equity (ROE) | 16.7400% | 1,125 |
| Retained earnings to average equity (ytd only) | 9.6950% | 1,495 |
| Net charge-offs to loans | 0.0583% | 1,087 |
| Credit loss provision to net charge-offs | 180.7229% | 1,190 |
| Earnings coverage of net charge-offs (x) | 49.9357% | 1,318 |
| Efficiency ratio | 53.4725% | 3,630 |
| Assets per employee ($millions) | 4.8858% | 3,680 |
| Cash dividends to net income (ytd only)* | 42.0728% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 2,600 |
| Loan loss allowance to noncurrent loans | 977.4052% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 2,976 |
| Noncurrent loans to loans | 0.1180% | 2,976 |
| Net loans and leases to total assets | 75.8500% | 1,140 |
| Net loans and leases to deposits | 88.8009% | 1,319 |
| Net loans and leases to core deposits | 91.8858% | 1,805 |
| Total domestic deposits to total assets | 85.4200% | 2,379 |
| Equity capital to assets | 12.9996% | 814 |
| Core capital (leverage) ratio | 13.5345% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $742,117,500 | 1,247 |
| Average earning assets | $702,660,000 | 1,220 |
| Average equity | $95,469,250 | 973 |
| Average total loans | $569,471,250 | 1,118 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 2,117 |
| Cost of funding earning assets | 0.5865% | 3,786 |
| Net interest margin | 4.1599% | 986 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.5876% | 1,957 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.0281% | 445 |
| Return on assets (ROA) | 2.0281% | 442 |
| Pretax return on assets | 2.0281% | 717 |
| Return on Equity (ROE) | 15.8200% | 1,300 |
| Retained earnings to average equity (ytd only) | 8.9672% | 1,694 |
| Net charge-offs to loans | 0.0700% | 860 |
| Credit loss provision to net charge-offs | 151.5152% | 1,191 |
| Earnings coverage of net charge-offs (x) | 39.2626% | 1,410 |
| Efficiency ratio | 55.0895% | 3,524 |
| Assets per employee ($millions) | 4.8697% | 3,697 |
| Cash dividends to net income (ytd only)* | 43.3235% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,662 |
| Loan loss allowance to noncurrent loans | 784.6793% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 2,736 |
| Noncurrent loans to loans | 0.1477% | 2,726 |
| Net loans and leases to total assets | 76.1000% | 1,039 |
| Net loans and leases to deposits | 89.2256% | 1,244 |
| Net loans and leases to core deposits | 92.3149% | 1,662 |
| Total domestic deposits to total assets | 85.2900% | 2,463 |
| Equity capital to assets | 13.0115% | 809 |
| Core capital (leverage) ratio | 13.4064% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $737,058,667 | 1,251 |
| Average earning assets | $698,673,333 | 1,227 |
| Average equity | $94,477,333 | 981 |
| Average total loans | $565,578,667 | 1,114 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 2,216 |
| Cost of funding earning assets | 0.4922% | 3,714 |
| Net interest margin | 4.0500% | 1,177 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.3696% | 2,611 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.1444% | 405 |
| Return on assets (ROA) | 2.1444% | 400 |
| Pretax return on assets | 2.1444% | 621 |
| Return on Equity (ROE) | 16.8600% | 1,200 |
| Retained earnings to average equity (ytd only) | 9.9486% | 1,715 |
| Net charge-offs to loans | 0.1143% | 550 |
| Credit loss provision to net charge-offs | 93.1677% | 1,166 |
| Earnings coverage of net charge-offs (x) | 25.4224% | 1,369 |
| Efficiency ratio | 51.5621% | 3,812 |
| Assets per employee ($millions) | 4.6810% | 3,906 |
| Cash dividends to net income (ytd only)* | 40.9840% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,871 |
| Loan loss allowance to noncurrent loans | 732.0180% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,656 |
| Noncurrent loans to loans | 0.1552% | 2,712 |
| Net loans and leases to total assets | 77.3500% | 839 |
| Net loans and leases to deposits | 90.6939% | 1,000 |
| Net loans and leases to core deposits | 93.6068% | 1,416 |
| Total domestic deposits to total assets | 85.2900% | 2,782 |
| Equity capital to assets | 12.9901% | 761 |
| Core capital (leverage) ratio | 13.1085% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $735,487,500 | 1,270 |
| Average earning assets | $698,065,500 | 1,240 |
| Average equity | $93,560,500 | 1,000 |
| Average total loans | $563,410,500 | 1,134 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 2,384 |
| Cost of funding earning assets | 0.3025% | 2,853 |
| Net interest margin | 3.4554% | 2,079 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.3811% | 2,475 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.7254% | 514 |
| Return on assets (ROA) | 1.7254% | 489 |
| Pretax return on assets | 1.7254% | 870 |
| Return on Equity (ROE) | 14.2800% | 1,471 |
| Retained earnings to average equity (ytd only) | 5.5830% | 2,797 |
| Net charge-offs to loans | 0.0185% | 1,730 |
| Credit loss provision to net charge-offs | 631.5789% | 578 |
| Earnings coverage of net charge-offs (x) | 142.9053% | 815 |
| Efficiency ratio | 56.8783% | 3,480 |
| Assets per employee ($millions) | 4.7483% | 3,857 |
| Cash dividends to net income (ytd only)* | 60.9047% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,146 |
| Loan loss allowance to noncurrent loans | 632.5137% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 2,498 |
| Noncurrent loans to loans | 0.1977% | 2,493 |
| Net loans and leases to total assets | 74.0500% | 1,213 |
| Net loans and leases to deposits | 86.6380% | 1,265 |
| Net loans and leases to core deposits | 88.6389% | 1,571 |
| Total domestic deposits to total assets | 85.4700% | 2,866 |
| Equity capital to assets | 12.4555% | 816 |
| Core capital (leverage) ratio | 12.4378% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $752,057,000 | 1,243 |
| Average earning assets | $714,298,800 | 1,211 |
| Average equity | $90,864,600 | 1,025 |
| Average total loans | $512,441,600 | 1,161 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 2,551 |
| Cost of funding earning assets | 0.2939% | 2,235 |
| Net interest margin | 3.2263% | 2,546 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.2662% | 2,728 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.6565% | 587 |
| Return on assets (ROA) | 1.6565% | 571 |
| Pretax return on assets | 1.6565% | 990 |
| Return on Equity (ROE) | 13.8200% | 1,479 |
| Retained earnings to average equity (ytd only) | 7.5477% | 2,166 |
| Net charge-offs to loans | 0.0037% | 2,082 |
| Credit loss provision to net charge-offs | 3,214.2857% | 170 |
| Earnings coverage of net charge-offs (x) | 702.0714% | 231 |
| Efficiency ratio | 56.6240% | 3,559 |
| Assets per employee ($millions) | 4.8348% | 3,816 |
| Cash dividends to net income (ytd only)* | 45.3673% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,064 |
| Loan loss allowance to noncurrent loans | 411.5500% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,137 |
| Noncurrent loans to loans | 0.3141% | 2,123 |
| Net loans and leases to total assets | 69.1800% | 1,554 |
| Net loans and leases to deposits | 80.2034% | 1,566 |
| Net loans and leases to core deposits | 81.7941% | 1,780 |
| Total domestic deposits to total assets | 86.2500% | 3,004 |
| Equity capital to assets | 12.0958% | 867 |
| Core capital (leverage) ratio | 12.1860% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $754,886,000 | 1,244 |
| Average earning assets | $716,685,750 | 1,214 |
| Average equity | $90,515,000 | 1,040 |
| Average total loans | $501,684,750 | 1,174 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 2,825 |
| Cost of funding earning assets | 0.2966% | 1,744 |
| Net interest margin | 2.9757% | 2,954 |
| Noninterest income to average assets | 0.9640% | 724 |
| Noninterest expense to average assets | 2.2548% | 2,692 |
| Loan and lease loss provision to assets | 0.0796% | 1,224 |
| Net operating income to assets | 1.4551% | 784 |
| Return on assets (ROA) | 1.4551% | 764 |
| Pretax return on assets | 1.4551% | 1,298 |
| Return on Equity (ROE) | 12.1712% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,263 |
| Net charge-offs to loans | 0.0020% | 2,031 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 1,156.4000% | 107 |
| Efficiency ratio | 59.5013% | 3,365 |
| Assets per employee ($millions) | 4.9144% | 3,746 |
| Cash dividends to net income (ytd only)* | 48.7596% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,074 |
| Loan loss allowance to noncurrent loans | 628.4515% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,737 |
| Noncurrent loans to loans | 0.2108% | 2,661 |
| Net loans and leases to total assets | 65.4680% | 1,762 |
| Net loans and leases to deposits | 75.6785% | 1,710 |
| Net loans and leases to core deposits | 77.2132% | 1,906 |
| Total domestic deposits to total assets | 86.5081% | 3,108 |
| Equity capital to assets | 11.8421% | 927 |
| Core capital (leverage) ratio | 11.9399% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $753,493,667 | 1,249 |
| Average earning assets | $715,471,000 | 1,225 |
| Average equity | $90,081,667 | 1,052 |
| Average total loans | $491,587,333 | 1,185 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1186% | 2,919 |
| Cost of funding earning assets | 0.3060% | 1,600 |
| Net interest margin | 2.8126% | 3,097 |
| Noninterest income to average assets | 0.8793% | 872 |
| Noninterest expense to average assets | 2.1004% | 3,141 |
| Loan and lease loss provision to assets | 0.0803% | 1,018 |
| Net operating income to assets | 1.3715% | 853 |
| Return on assets (ROA) | 1.3715% | 846 |
| Pretax return on assets | 1.3715% | 1,324 |
| Return on Equity (ROE) | 11.4166% | 1,487 |
| Retained earnings to average equity (ytd only) | 11.4166% | 705 |
| Net charge-offs to loans | 0.0141% | 1,260 |
| Credit loss provision to net charge-offs | 882.3529% | 369 |
| Earnings coverage of net charge-offs (x) | 159.4706% | 513 |
| Efficiency ratio | 59.1286% | 3,568 |
| Assets per employee ($millions) | 5.0439% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,115 |
| Loan loss allowance to noncurrent loans | 444.4219% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,467 |
| Noncurrent loans to loans | 0.3038% | 2,377 |
| Net loans and leases to total assets | 63.0528% | 1,736 |
| Net loans and leases to deposits | 72.9970% | 1,693 |
| Net loans and leases to core deposits | 74.7707% | 1,873 |
| Total domestic deposits to total assets | 86.3772% | 3,143 |
| Equity capital to assets | 11.9374% | 981 |
| Core capital (leverage) ratio | 12.2093% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $746,919,000 | 1,265 |
| Average earning assets | $709,803,000 | 1,238 |
| Average equity | $89,729,000 | 1,089 |
| Average total loans | $483,059,500 | 1,192 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 2,120 |
| Cost of funding earning assets | 0.4074% | 1,491 |
| Net interest margin | 3.2903% | 2,340 |
| Noninterest income to average assets | 1.2336% | 701 |
| Noninterest expense to average assets | 2.4940% | 2,199 |
| Loan and lease loss provision to assets | 0.0859% | 1,430 |
| Net operating income to assets | 1.7775% | 536 |
| Return on assets (ROA) | 1.7775% | 560 |
| Pretax return on assets | 1.7775% | 962 |
| Return on Equity (ROE) | 14.2139% | 1,127 |
| Retained earnings to average equity (ytd only) | 5.5741% | 2,531 |
| Net charge-offs to loans | -0.0013% | 3,305 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2363% | 3,553 |
| Assets per employee ($millions) | 4.7240% | 3,947 |
| Cash dividends to net income (ytd only)* | 60.7845% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,170 |
| Loan loss allowance to noncurrent loans | 490.1826% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,682 |
| Noncurrent loans to loans | 0.2741% | 2,624 |
| Net loans and leases to total assets | 64.5822% | 1,641 |
| Net loans and leases to deposits | 75.2795% | 1,621 |
| Net loans and leases to core deposits | 77.1629% | 1,829 |
| Total domestic deposits to total assets | 85.7898% | 2,974 |
| Equity capital to assets | 12.0921% | 1,217 |
| Core capital (leverage) ratio | 12.1420% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $698,507,600 | 1,289 |
| Average earning assets | $663,168,000 | 1,271 |
| Average equity | $87,351,200 | 1,127 |
| Average total loans | $461,333,800 | 1,236 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 1,946 |
| Cost of funding earning assets | 0.4295% | 1,490 |
| Net interest margin | 3.4027% | 2,145 |
| Noninterest income to average assets | 1.2678% | 728 |
| Noninterest expense to average assets | 2.3036% | 2,747 |
| Loan and lease loss provision to assets | 0.0869% | 1,365 |
| Net operating income to assets | 2.1071% | 386 |
| Return on assets (ROA) | 2.1071% | 406 |
| Pretax return on assets | 2.1071% | 663 |
| Return on Equity (ROE) | 16.7034% | 816 |
| Retained earnings to average equity (ytd only) | 8.8510% | 1,753 |
| Net charge-offs to loans | -0.0026% | 3,268 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2178% | 4,104 |
| Assets per employee ($millions) | 4.4857% | 4,136 |
| Cash dividends to net income (ytd only)* | 47.0108% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,373 |
| Loan loss allowance to noncurrent loans | 424.9831% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 2,751 |
| Noncurrent loans to loans | 0.3117% | 2,671 |
| Net loans and leases to total assets | 65.3161% | 1,619 |
| Net loans and leases to deposits | 76.2425% | 1,647 |
| Net loans and leases to core deposits | 78.2982% | 1,874 |
| Total domestic deposits to total assets | 85.6689% | 2,885 |
| Equity capital to assets | 12.4646% | 1,190 |
| Core capital (leverage) ratio | 12.5764% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $690,080,500 | 1,315 |
| Average earning assets | $655,036,500 | 1,297 |
| Average equity | $87,054,000 | 1,144 |
| Average total loans | $456,836,750 | 1,268 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 1,994 |
| Cost of funding earning assets | 0.4508% | 1,512 |
| Net interest margin | 3.3804% | 2,202 |
| Noninterest income to average assets | 1.3477% | 651 |
| Noninterest expense to average assets | 2.1834% | 3,143 |
| Loan and lease loss provision to assets | 0.0881% | 1,406 |
| Net operating income to assets | 2.2877% | 289 |
| Return on assets (ROA) | 2.2877% | 310 |
| Pretax return on assets | 2.2877% | 490 |
| Return on Equity (ROE) | 18.0586% | 644 |
| Retained earnings to average equity (ytd only) | 10.2583% | 1,322 |
| Net charge-offs to loans | 0.0013% | 2,181 |
| Credit loss provision to net charge-offs | 10,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,696.0000% | 30 |
| Efficiency ratio | 47.8900% | 4,395 |
| Assets per employee ($millions) | 4.2668% | 4,282 |
| Cash dividends to net income (ytd only)* | 43.1947% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,505 |
| Loan loss allowance to noncurrent loans | 313.6573% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 2,526 |
| Noncurrent loans to loans | 0.4099% | 2,452 |
| Net loans and leases to total assets | 67.2862% | 1,541 |
| Net loans and leases to deposits | 78.7060% | 1,556 |
| Net loans and leases to core deposits | 80.8553% | 1,818 |
| Total domestic deposits to total assets | 85.4906% | 2,916 |
| Equity capital to assets | 12.5920% | 1,094 |
| Core capital (leverage) ratio | 12.5555% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $680,872,667 | 1,324 |
| Average earning assets | $646,844,000 | 1,308 |
| Average equity | $86,252,333 | 1,150 |
| Average total loans | $450,759,000 | 1,286 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 2,753 |
| Cost of funding earning assets | 0.4735% | 1,570 |
| Net interest margin | 3.0894% | 3,025 |
| Noninterest income to average assets | 1.2415% | 812 |
| Noninterest expense to average assets | 2.1602% | 3,234 |
| Loan and lease loss provision to assets | 0.0894% | 1,481 |
| Net operating income to assets | 1.9266% | 632 |
| Return on assets (ROA) | 1.9266% | 677 |
| Pretax return on assets | 1.9266% | 1,067 |
| Return on Equity (ROE) | 15.1615% | 1,181 |
| Retained earnings to average equity (ytd only) | 15.1615% | 612 |
| Net charge-offs to loans | 0.0018% | 1,862 |
| Credit loss provision to net charge-offs | 7,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,692.0000% | 48 |
| Efficiency ratio | 51.7261% | 4,022 |
| Assets per employee ($millions) | 4.5366% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,250 |
| Loan loss allowance to noncurrent loans | 162.9801% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 1,783 |
| Noncurrent loans to loans | 0.8226% | 1,625 |
| Net loans and leases to total assets | 63.8533% | 2,064 |
| Net loans and leases to deposits | 74.7720% | 2,045 |
| Net loans and leases to core deposits | 76.7406% | 2,290 |
| Total domestic deposits to total assets | 85.3973% | 2,965 |
| Equity capital to assets | 12.6072% | 1,037 |
| Core capital (leverage) ratio | 13.0593% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,429,000 | 1,328 |
| Average earning assets | $637,802,000 | 1,309 |
| Average equity | $85,321,500 | 1,146 |
| Average total loans | $437,651,500 | 1,309 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,196 |
| Cost of funding earning assets | 0.6515% | 1,982 |
| Net interest margin | 3.5289% | 2,380 |
| Noninterest income to average assets | 1.4674% | 564 |
| Noninterest expense to average assets | 2.6740% | 2,313 |
| Loan and lease loss provision to assets | 0.1222% | 2,840 |
| Net operating income to assets | 2.0071% | 261 |
| Return on assets (ROA) | 2.0071% | 276 |
| Pretax return on assets | 2.0071% | 448 |
| Return on Equity (ROE) | 14.5945% | 705 |
| Retained earnings to average equity (ytd only) | 5.4252% | 2,079 |
| Net charge-offs to loans | 0.0547% | 2,003 |
| Credit loss provision to net charge-offs | 316.8103% | 1,677 |
| Earnings coverage of net charge-offs (x) | 55.1853% | 1,117 |
| Efficiency ratio | 55.6698% | 4,024 |
| Assets per employee ($millions) | 4.3265% | 4,093 |
| Cash dividends to net income (ytd only)* | 62.8273% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 2,146 |
| Loan loss allowance to noncurrent loans | 239.6304% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 2,492 |
| Noncurrent loans to loans | 0.5676% | 2,282 |
| Net loans and leases to total assets | 64.7757% | 2,264 |
| Net loans and leases to deposits | 76.8285% | 2,192 |
| Net loans and leases to core deposits | 79.0389% | 2,448 |
| Total domestic deposits to total assets | 84.3121% | 3,011 |
| Equity capital to assets | 12.8133% | 1,174 |
| Core capital (leverage) ratio | 12.8674% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,269,200 | 1,329 |
| Average earning assets | $568,387,400 | 1,312 |
| Average equity | $82,688,600 | 1,122 |
| Average total loans | $423,815,000 | 1,288 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 1,891 |
| Cost of funding earning assets | 0.6905% | 2,085 |
| Net interest margin | 3.6942% | 1,964 |
| Noninterest income to average assets | 1.3891% | 578 |
| Noninterest expense to average assets | 2.6763% | 2,324 |
| Loan and lease loss provision to assets | 0.1326% | 2,692 |
| Net operating income to assets | 2.0702% | 258 |
| Return on assets (ROA) | 2.0702% | 280 |
| Pretax return on assets | 2.0702% | 450 |
| Return on Equity (ROE) | 14.7736% | 729 |
| Retained earnings to average equity (ytd only) | 9.5460% | 858 |
| Net charge-offs to loans | -0.0133% | 4,300 |
| Credit loss provision to net charge-offs | -1,392.8571% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8520% | 4,059 |
| Assets per employee ($millions) | 4.1388% | 4,203 |
| Cash dividends to net income (ytd only)* | 35.3843% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 1,919 |
| Loan loss allowance to noncurrent loans | 288.1044% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 2,824 |
| Noncurrent loans to loans | 0.4713% | 2,642 |
| Net loans and leases to total assets | 68.7982% | 2,138 |
| Net loans and leases to deposits | 81.8749% | 2,111 |
| Net loans and leases to core deposits | 84.2219% | 2,451 |
| Total domestic deposits to total assets | 84.0285% | 2,812 |
| Equity capital to assets | 13.5328% | 991 |
| Core capital (leverage) ratio | 13.6595% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $588,261,750 | 1,332 |
| Average earning assets | $555,740,000 | 1,314 |
| Average equity | $82,433,500 | 1,120 |
| Average total loans | $422,515,250 | 1,285 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,489 |
| Cost of funding earning assets | 0.7300% | 2,236 |
| Net interest margin | 3.9354% | 1,478 |
| Noninterest income to average assets | 1.3086% | 598 |
| Noninterest expense to average assets | 2.6367% | 2,554 |
| Loan and lease loss provision to assets | 0.1514% | 2,491 |
| Net operating income to assets | 2.2337% | 213 |
| Return on assets (ROA) | 2.2337% | 235 |
| Pretax return on assets | 2.2337% | 344 |
| Return on Equity (ROE) | 15.7433% | 612 |
| Retained earnings to average equity (ytd only) | 10.4571% | 697 |
| Net charge-offs to loans | -0.0288% | 4,523 |
| Credit loss provision to net charge-offs | -725.0000% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5054% | 4,324 |
| Assets per employee ($millions) | 4.0404% | 4,269 |
| Cash dividends to net income (ytd only)* | 33.5774% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,746 |
| Loan loss allowance to noncurrent loans | 248.2744% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 2,789 |
| Noncurrent loans to loans | 0.5459% | 2,537 |
| Net loans and leases to total assets | 68.1580% | 2,323 |
| Net loans and leases to deposits | 80.9820% | 2,316 |
| Net loans and leases to core deposits | 83.1462% | 2,676 |
| Total domestic deposits to total assets | 84.1643% | 2,700 |
| Equity capital to assets | 13.4212% | 1,004 |
| Core capital (leverage) ratio | 14.0762% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,650,333 | 1,341 |
| Average earning assets | $542,201,000 | 1,324 |
| Average equity | $81,533,333 | 1,122 |
| Average total loans | $417,098,667 | 1,281 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,641 |
| Cost of funding earning assets | 0.7722% | 2,534 |
| Net interest margin | 3.9510% | 1,530 |
| Noninterest income to average assets | 1.0551% | 769 |
| Noninterest expense to average assets | 2.7796% | 2,487 |
| Loan and lease loss provision to assets | 0.0871% | 2,602 |
| Net operating income to assets | 1.9184% | 323 |
| Return on assets (ROA) | 1.9184% | 353 |
| Pretax return on assets | 1.9184% | 551 |
| Return on Equity (ROE) | 13.1205% | 863 |
| Retained earnings to average equity (ytd only) | 13.1205% | 308 |
| Net charge-offs to loans | 0.0292% | 1,796 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 92.0667% | 613 |
| Efficiency ratio | 58.0880% | 3,985 |
| Assets per employee ($millions) | 3.7041% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,112 |
| Loan loss allowance to noncurrent loans | 180.2793% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 2,226 |
| Noncurrent loans to loans | 0.7249% | 2,183 |
| Net loans and leases to total assets | 73.6881% | 1,663 |
| Net loans and leases to deposits | 89.7481% | 1,541 |
| Net loans and leases to core deposits | 92.1146% | 2,143 |
| Total domestic deposits to total assets | 82.1055% | 3,388 |
| Equity capital to assets | 14.7396% | 824 |
| Core capital (leverage) ratio | 15.0001% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,868,000 | 1,354 |
| Average earning assets | $520,068,500 | 1,330 |
| Average equity | $80,545,500 | 1,130 |
| Average total loans | $410,690,000 | 1,270 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,597 |
| Cost of funding earning assets | 0.8281% | 2,539 |
| Net interest margin | 4.1285% | 1,473 |
| Noninterest income to average assets | 1.0003% | 971 |
| Noninterest expense to average assets | 2.7214% | 2,827 |
| Loan and lease loss provision to assets | 0.0885% | 2,249 |
| Net operating income to assets | 2.1160% | 264 |
| Return on assets (ROA) | 2.1160% | 276 |
| Pretax return on assets | 2.1160% | 461 |
| Return on Equity (ROE) | 14.7097% | 744 |
| Retained earnings to average equity (ytd only) | 5.5773% | 2,117 |
| Net charge-offs to loans | 0.0453% | 2,477 |
| Credit loss provision to net charge-offs | 260.8696% | 1,061 |
| Earnings coverage of net charge-offs (x) | 64.9891% | 935 |
| Efficiency ratio | 55.2470% | 4,297 |
| Assets per employee ($millions) | 3.6653% | 4,299 |
| Cash dividends to net income (ytd only)* | 62.0840% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,863 |
| Loan loss allowance to noncurrent loans | 286.6667% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 2,837 |
| Noncurrent loans to loans | 0.4575% | 2,807 |
| Net loans and leases to total assets | 73.4645% | 1,846 |
| Net loans and leases to deposits | 89.2299% | 1,671 |
| Net loans and leases to core deposits | 91.4595% | 2,281 |
| Total domestic deposits to total assets | 82.3317% | 3,413 |
| Equity capital to assets | 14.5014% | 936 |
| Core capital (leverage) ratio | 14.2439% | 866 |
| Tier 1 risk-based capital ratio | 19.0501% | 1,503 |
| Total risk-based capital ratio | 20.3005% | 1,478 |
| Memoranda: | ||
| Average total assets | $542,436,800 | 1,323 |
| Average earning assets | $515,781,400 | 1,299 |
| Average equity | $78,030,400 | 1,112 |
| Average total loans | $406,314,200 | 1,250 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 1,683 |
| Cost of funding earning assets | 0.8248% | 2,597 |
| Net interest margin | 4.1231% | 1,565 |
| Noninterest income to average assets | 0.9703% | 998 |
| Noninterest expense to average assets | 2.7271% | 2,787 |
| Loan and lease loss provision to assets | 0.0886% | 2,128 |
| Net operating income to assets | 2.0798% | 336 |
| Return on assets (ROA) | 2.0798% | 351 |
| Pretax return on assets | 2.0798% | 578 |
| Return on Equity (ROE) | 14.4874% | 890 |
| Retained earnings to average equity (ytd only) | 9.4433% | 914 |
| Net charge-offs to loans | 0.0154% | 2,845 |
| Credit loss provision to net charge-offs | 765.9574% | 448 |
| Earnings coverage of net charge-offs (x) | 187.3683% | 462 |
| Efficiency ratio | 55.7059% | 4,191 |
| Assets per employee ($millions) | 3.5318% | 4,468 |
| Cash dividends to net income (ytd only)* | 34.8171% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 1,893 |
| Loan loss allowance to noncurrent loans | 287.6815% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,166 |
| Noncurrent loans to loans | 0.4580% | 2,933 |
| Net loans and leases to total assets | 73.1748% | 1,966 |
| Net loans and leases to deposits | 91.1386% | 1,550 |
| Net loans and leases to core deposits | 93.8430% | 2,191 |
| Total domestic deposits to total assets | 80.2896% | 3,927 |
| Equity capital to assets | 14.6967% | 928 |
| Core capital (leverage) ratio | 14.7039% | 816 |
| Tier 1 risk-based capital ratio | 19.0045% | 1,568 |
| Total risk-based capital ratio | 20.2544% | 1,541 |
| Memoranda: | ||
| Average total assets | $541,514,750 | 1,334 |
| Average earning assets | $515,524,000 | 1,306 |
| Average equity | $77,739,000 | 1,113 |
| Average total loans | $406,257,750 | 1,262 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 1,848 |
| Cost of funding earning assets | 0.8064% | 2,608 |
| Net interest margin | 4.0629% | 1,720 |
| Noninterest income to average assets | 0.8867% | 1,104 |
| Noninterest expense to average assets | 2.7105% | 2,872 |
| Loan and lease loss provision to assets | 0.0890% | 2,066 |
| Net operating income to assets | 1.9568% | 415 |
| Return on assets (ROA) | 1.9568% | 439 |
| Pretax return on assets | 1.9568% | 743 |
| Return on Equity (ROE) | 13.7414% | 1,042 |
| Retained earnings to average equity (ytd only) | 8.6368% | 1,153 |
| Net charge-offs to loans | 0.0172% | 2,538 |
| Credit loss provision to net charge-offs | 685.7143% | 472 |
| Earnings coverage of net charge-offs (x) | 157.6857% | 475 |
| Efficiency ratio | 56.9870% | 4,132 |
| Assets per employee ($millions) | 3.7538% | 4,175 |
| Cash dividends to net income (ytd only)* | 37.1472% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,065 |
| Loan loss allowance to noncurrent loans | 260.6166% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 3,058 |
| Noncurrent loans to loans | 0.4949% | 2,801 |
| Net loans and leases to total assets | 73.1801% | 2,028 |
| Net loans and leases to deposits | 92.8852% | 1,387 |
| Net loans and leases to core deposits | 95.7715% | 2,095 |
| Total domestic deposits to total assets | 78.7856% | 4,260 |
| Equity capital to assets | 14.2814% | 1,016 |
| Core capital (leverage) ratio | 14.4386% | 845 |
| Tier 1 risk-based capital ratio | 18.0953% | 1,782 |
| Total risk-based capital ratio | 19.3074% | 1,747 |
| Memoranda: | ||
| Average total assets | $539,541,000 | 1,340 |
| Average earning assets | $513,869,330 | 1,308 |
| Average equity | $76,833,670 | 1,119 |
| Average total loans | $406,366,000 | 1,262 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 1,431 |
| Cost of funding earning assets | 0.7853% | 2,625 |
| Net interest margin | 4.1782% | 1,352 |
| Noninterest income to average assets | 0.7047% | 1,597 |
| Noninterest expense to average assets | 2.8202% | 2,499 |
| Loan and lease loss provision to assets | 0.0897% | 1,915 |
| Net operating income to assets | 1.7748% | 615 |
| Return on assets (ROA) | 1.7748% | 631 |
| Pretax return on assets | 1.7748% | 1,037 |
| Return on Equity (ROE) | 12.4810% | 1,385 |
| Retained earnings to average equity (ytd only) | 12.4810% | 541 |
| Net charge-offs to loans | 0.0148% | 2,183 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 166.3333% | 462 |
| Efficiency ratio | 60.2010% | 3,774 |
| Assets per employee ($millions) | 3.7477% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,286 |
| Loan loss allowance to noncurrent loans | 265.0000% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 3,177 |
| Noncurrent loans to loans | 0.4745% | 2,892 |
| Net loans and leases to total assets | 74.2902% | 1,752 |
| Net loans and leases to deposits | 93.6407% | 1,209 |
| Net loans and leases to core deposits | 96.0754% | 1,922 |
| Total domestic deposits to total assets | 79.3353% | 4,291 |
| Equity capital to assets | 14.2269% | 957 |
| Core capital (leverage) ratio | 14.5647% | 797 |
| Tier 1 risk-based capital ratio | 18.1054% | 1,768 |
| Total risk-based capital ratio | 19.3096% | 1,740 |
| Memoranda: | ||
| Average total assets | $535,283,500 | 1,352 |
| Average earning assets | $509,888,000 | 1,318 |
| Average equity | $76,115,500 | 1,127 |
| Average total loans | $406,394,500 | 1,268 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 1,408 |
| Cost of funding earning assets | 0.6589% | 2,332 |
| Net interest margin | 4.1952% | 1,398 |
| Noninterest income to average assets | 0.7849% | 1,501 |
| Noninterest expense to average assets | 2.6778% | 3,101 |
| Loan and lease loss provision to assets | 0.0937% | 2,276 |
| Net operating income to assets | 2.0042% | 359 |
| Return on assets (ROA) | 2.0042% | 356 |
| Pretax return on assets | 2.0042% | 563 |
| Return on Equity (ROE) | 14.0535% | 1,031 |
| Retained earnings to average equity (ytd only) | 6.4785% | 1,935 |
| Net charge-offs to loans | 0.0461% | 2,513 |
| Credit loss provision to net charge-offs | 268.1564% | 1,118 |
| Earnings coverage of net charge-offs (x) | 60.0391% | 1,021 |
| Efficiency ratio | 56.0719% | 4,402 |
| Assets per employee ($millions) | 3.6358% | 4,404 |
| Cash dividends to net income (ytd only)* | 53.9008% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,316 |
| Loan loss allowance to noncurrent loans | 295.7134% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 3,263 |
| Noncurrent loans to loans | 0.4216% | 3,029 |
| Net loans and leases to total assets | 75.6676% | 1,665 |
| Net loans and leases to deposits | 95.7089% | 1,099 |
| Net loans and leases to core deposits | 97.9502% | 1,868 |
| Total domestic deposits to total assets | 79.0601% | 4,302 |
| Equity capital to assets | 14.2176% | 909 |
| Core capital (leverage) ratio | 14.1193% | 891 |
| Tier 1 risk-based capital ratio | 17.8352% | 1,804 |
| Total risk-based capital ratio | 19.0335% | 1,772 |
| Memoranda: | ||
| Average total assets | $512,277,800 | 1,373 |
| Average earning assets | $487,320,400 | 1,343 |
| Average equity | $73,056,600 | 1,115 |
| Average total loans | $388,625,800 | 1,284 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 1,483 |
| Cost of funding earning assets | 0.6153% | 2,373 |
| Net interest margin | 4.1611% | 1,464 |
| Noninterest income to average assets | 0.7939% | 1,495 |
| Noninterest expense to average assets | 2.7182% | 2,922 |
| Loan and lease loss provision to assets | 0.0944% | 2,088 |
| Net operating income to assets | 1.9388% | 444 |
| Return on assets (ROA) | 1.9388% | 443 |
| Pretax return on assets | 1.9388% | 754 |
| Return on Equity (ROE) | 13.5842% | 1,241 |
| Retained earnings to average equity (ytd only) | 8.0109% | 1,650 |
| Net charge-offs to loans | 0.0360% | 2,361 |
| Credit loss provision to net charge-offs | 346.1538% | 910 |
| Earnings coverage of net charge-offs (x) | 74.5690% | 915 |
| Efficiency ratio | 57.2091% | 4,224 |
| Assets per employee ($millions) | 3.5151% | 4,545 |
| Cash dividends to net income (ytd only)* | 41.0277% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,191 |
| Loan loss allowance to noncurrent loans | 662.8154% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,223 |
| Noncurrent loans to loans | 0.1932% | 4,017 |
| Net loans and leases to total assets | 73.9429% | 1,992 |
| Net loans and leases to deposits | 93.8205% | 1,398 |
| Net loans and leases to core deposits | 95.8097% | 2,138 |
| Total domestic deposits to total assets | 78.8132% | 4,356 |
| Equity capital to assets | 14.3331% | 872 |
| Core capital (leverage) ratio | 14.5088% | 819 |
| Tier 1 risk-based capital ratio | 18.2628% | 1,725 |
| Total risk-based capital ratio | 19.4848% | 1,687 |
| Memoranda: | ||
| Average total assets | $508,551,000 | 1,391 |
| Average earning assets | $483,674,000 | 1,361 |
| Average equity | $72,582,500 | 1,122 |
| Average total loans | $384,796,250 | 1,297 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 1,549 |
| Cost of funding earning assets | 0.5659% | 2,471 |
| Net interest margin | 4.1145% | 1,512 |
| Noninterest income to average assets | 0.7906% | 1,498 |
| Noninterest expense to average assets | 2.7012% | 3,013 |
| Loan and lease loss provision to assets | 0.0951% | 2,029 |
| Net operating income to assets | 1.9074% | 461 |
| Return on assets (ROA) | 1.9074% | 456 |
| Pretax return on assets | 1.9074% | 755 |
| Return on Equity (ROE) | 13.3841% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.0922% | 1,589 |
| Net charge-offs to loans | 0.0313% | 2,226 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 84.2167% | 799 |
| Efficiency ratio | 57.4269% | 4,311 |
| Assets per employee ($millions) | 3.6093% | 4,459 |
| Cash dividends to net income (ytd only)* | 39.5387% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,295 |
| Loan loss allowance to noncurrent loans | 225.5163% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 3,011 |
| Noncurrent loans to loans | 0.5660% | 2,720 |
| Net loans and leases to total assets | 74.6852% | 1,839 |
| Net loans and leases to deposits | 94.5101% | 1,301 |
| Net loans and leases to core deposits | 96.7494% | 1,990 |
| Total domestic deposits to total assets | 79.0234% | 4,424 |
| Equity capital to assets | 14.3695% | 842 |
| Core capital (leverage) ratio | 14.3238% | 822 |
| Tier 1 risk-based capital ratio | 18.1841% | 1,754 |
| Total risk-based capital ratio | 19.4059% | 1,714 |
| Memoranda: | ||
| Average total assets | $504,655,330 | 1,400 |
| Average earning assets | $479,964,330 | 1,376 |
| Average equity | $71,921,330 | 1,130 |
| Average total loans | $383,171,670 | 1,301 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 1,610 |
| Cost of funding earning assets | 0.5251% | 2,587 |
| Net interest margin | 4.0621% | 1,534 |
| Noninterest income to average assets | 0.7204% | 1,744 |
| Noninterest expense to average assets | 2.7230% | 2,964 |
| Loan and lease loss provision to assets | 0.0955% | 1,919 |
| Net operating income to assets | 1.7623% | 606 |
| Return on assets (ROA) | 1.7623% | 613 |
| Pretax return on assets | 1.7623% | 979 |
| Return on Equity (ROE) | 12.4176% | 1,431 |
| Retained earnings to average equity (ytd only) | 12.4176% | 611 |
| Net charge-offs to loans | 0.0178% | 2,151 |
| Credit loss provision to net charge-offs | 705.8824% | 470 |
| Earnings coverage of net charge-offs (x) | 137.2941% | 470 |
| Efficiency ratio | 59.4440% | 4,137 |
| Assets per employee ($millions) | 3.6000% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,456 |
| Loan loss allowance to noncurrent loans | 196.6667% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 2,913 |
| Noncurrent loans to loans | 0.6410% | 2,619 |
| Net loans and leases to total assets | 73.6152% | 1,924 |
| Net loans and leases to deposits | 92.4077% | 1,405 |
| Net loans and leases to core deposits | 94.4238% | 2,104 |
| Total domestic deposits to total assets | 79.6635% | 4,467 |
| Equity capital to assets | 14.0692% | 872 |
| Core capital (leverage) ratio | 14.4909% | 767 |
| Tier 1 risk-based capital ratio | 18.0513% | 1,823 |
| Total risk-based capital ratio | 19.2569% | 1,782 |
| Memoranda: | ||
| Average total assets | $502,527,500 | 1,417 |
| Average earning assets | $477,589,000 | 1,391 |
| Average equity | $71,318,000 | 1,147 |
| Average total loans | $382,260,000 | 1,308 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 1,779 |
| Cost of funding earning assets | 0.4362% | 2,906 |
| Net interest margin | 4.0448% | 1,604 |
| Noninterest income to average assets | 0.7855% | 1,627 |
| Noninterest expense to average assets | 2.6772% | 3,206 |
| Loan and lease loss provision to assets | 0.1396% | 1,639 |
| Net operating income to assets | 1.7915% | 428 |
| Return on assets (ROA) | 1.7915% | 436 |
| Pretax return on assets | 1.7915% | 809 |
| Return on Equity (ROE) | 12.6607% | 1,032 |
| Retained earnings to average equity (ytd only) | 5.2857% | 1,945 |
| Net charge-offs to loans | 0.0245% | 3,318 |
| Credit loss provision to net charge-offs | 764.0449% | 438 |
| Earnings coverage of net charge-offs (x) | 105.6854% | 623 |
| Efficiency ratio | 58.0950% | 4,514 |
| Assets per employee ($millions) | 3.3580% | 4,869 |
| Cash dividends to net income (ytd only)* | 58.2512% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,510 |
| Loan loss allowance to noncurrent loans | 245.0828% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,251 |
| Noncurrent loans to loans | 0.5075% | 2,998 |
| Net loans and leases to total assets | 76.6898% | 1,481 |
| Net loans and leases to deposits | 93.6362% | 1,313 |
| Net loans and leases to core deposits | 95.5732% | 2,072 |
| Total domestic deposits to total assets | 81.9019% | 3,894 |
| Equity capital to assets | 14.3207% | 831 |
| Core capital (leverage) ratio | 14.2773% | 776 |
| Tier 1 risk-based capital ratio | 17.6402% | 1,904 |
| Total risk-based capital ratio | 18.8296% | 1,875 |
| Memoranda: | ||
| Average total assets | $487,072,200 | 1,440 |
| Average earning assets | $460,349,800 | 1,415 |
| Average equity | $68,921,800 | 1,156 |
| Average total loans | $362,763,200 | 1,339 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 1,912 |
| Cost of funding earning assets | 0.4225% | 2,961 |
| Net interest margin | 3.9954% | 1,718 |
| Noninterest income to average assets | 0.7628% | 1,725 |
| Noninterest expense to average assets | 2.6171% | 3,356 |
| Loan and lease loss provision to assets | 0.1535% | 1,352 |
| Net operating income to assets | 1.7644% | 503 |
| Return on assets (ROA) | 1.7644% | 522 |
| Pretax return on assets | 1.7644% | 969 |
| Return on Equity (ROE) | 12.5070% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.1485% | 1,614 |
| Net charge-offs to loans | 0.0015% | 3,726 |
| Credit loss provision to net charge-offs | 14,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,749.7992% | 47 |
| Efficiency ratio | 57.7086% | 4,541 |
| Assets per employee ($millions) | 3.6025% | 4,582 |
| Cash dividends to net income (ytd only)* | 42.8438% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,448 |
| Loan loss allowance to noncurrent loans | 219.5236% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,271 |
| Noncurrent loans to loans | 0.5840% | 2,945 |
| Net loans and leases to total assets | 74.4105% | 1,852 |
| Net loans and leases to deposits | 91.5419% | 1,619 |
| Net loans and leases to core deposits | 93.6510% | 2,296 |
| Total domestic deposits to total assets | 81.2858% | 3,975 |
| Equity capital to assets | 14.4440% | 871 |
| Core capital (leverage) ratio | 14.4941% | 769 |
| Tier 1 risk-based capital ratio | 18.3682% | 1,766 |
| Total risk-based capital ratio | 19.5970% | 1,727 |
| Memoranda: | ||
| Average total assets | $486,274,750 | 1,450 |
| Average earning assets | $459,111,250 | 1,426 |
| Average equity | $68,600,000 | 1,169 |
| Average total loans | $358,275,000 | 1,363 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 2,071 |
| Cost of funding earning assets | 0.4039% | 3,033 |
| Net interest margin | 3.9128% | 1,882 |
| Noninterest income to average assets | 0.7613% | 1,719 |
| Noninterest expense to average assets | 2.4950% | 3,767 |
| Loan and lease loss provision to assets | 0.1810% | 1,047 |
| Net operating income to assets | 1.7752% | 473 |
| Return on assets (ROA) | 1.7752% | 483 |
| Pretax return on assets | 1.7752% | 887 |
| Return on Equity (ROE) | 12.6846% | 1,117 |
| Retained earnings to average equity (ytd only) | 7.4621% | 1,366 |
| Net charge-offs to loans | 0.0079% | 3,176 |
| Credit loss provision to net charge-offs | 3,142.8571% | 131 |
| Earnings coverage of net charge-offs (x) | 339.7143% | 250 |
| Efficiency ratio | 56.0525% | 4,823 |
| Assets per employee ($millions) | 3.4781% | 4,751 |
| Cash dividends to net income (ytd only)* | 41.1724% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,479 |
| Loan loss allowance to noncurrent loans | 276.6344% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 3,739 |
| Noncurrent loans to loans | 0.4653% | 3,345 |
| Net loans and leases to total assets | 71.9815% | 2,209 |
| Net loans and leases to deposits | 88.0450% | 1,975 |
| Net loans and leases to core deposits | 90.2021% | 2,499 |
| Total domestic deposits to total assets | 81.7554% | 3,957 |
| Equity capital to assets | 14.1917% | 904 |
| Core capital (leverage) ratio | 14.0722% | 841 |
| Tier 1 risk-based capital ratio | 18.8393% | 1,627 |
| Total risk-based capital ratio | 20.0849% | 1,588 |
| Memoranda: | ||
| Average total assets | $486,252,670 | 1,454 |
| Average earning assets | $458,545,330 | 1,430 |
| Average equity | $68,051,000 | 1,179 |
| Average total loans | $355,503,670 | 1,376 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,162 |
| Cost of funding earning assets | 0.3783% | 3,218 |
| Net interest margin | 3.8535% | 1,944 |
| Noninterest income to average assets | 0.7565% | 1,724 |
| Noninterest expense to average assets | 2.6762% | 3,234 |
| Loan and lease loss provision to assets | 0.0988% | 1,915 |
| Net operating income to assets | 1.6036% | 673 |
| Return on assets (ROA) | 1.6036% | 688 |
| Pretax return on assets | 1.6036% | 1,232 |
| Return on Equity (ROE) | 11.5395% | 1,392 |
| Retained earnings to average equity (ytd only) | 11.3736% | 549 |
| Net charge-offs to loans | 0.0135% | 2,532 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 172.3333% | 321 |
| Efficiency ratio | 61.1205% | 4,298 |
| Assets per employee ($millions) | 3.6500% | 4,575 |
| Cash dividends to net income (ytd only)* | 1.4374% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 3,151 |
| Loan loss allowance to noncurrent loans | 161.1827% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 3,099 |
| Noncurrent loans to loans | 0.7424% | 2,636 |
| Net loans and leases to total assets | 70.2066% | 2,341 |
| Net loans and leases to deposits | 85.7645% | 2,057 |
| Net loans and leases to core deposits | 87.7964% | 2,565 |
| Total domestic deposits to total assets | 81.8597% | 4,205 |
| Equity capital to assets | 13.6961% | 1,008 |
| Core capital (leverage) ratio | 14.4175% | 739 |
| Tier 1 risk-based capital ratio | 18.4425% | 1,755 |
| Total risk-based capital ratio | 19.5875% | 1,740 |
| Memoranda: | ||
| Average total assets | $485,913,000 | 1,456 |
| Average earning assets | $456,728,000 | 1,439 |
| Average equity | $67,524,500 | 1,184 |
| Average total loans | $355,720,000 | 1,379 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 1,948 |
| Cost of funding earning assets | 0.3333% | 3,713 |
| Net interest margin | 4.0284% | 1,560 |
| Noninterest income to average assets | 0.7523% | 1,947 |
| Noninterest expense to average assets | 2.7576% | 3,165 |
| Loan and lease loss provision to assets | 0.0838% | 2,682 |
| Net operating income to assets | 1.7037% | 541 |
| Return on assets (ROA) | 1.7001% | 570 |
| Pretax return on assets | 1.7001% | 999 |
| Return on Equity (ROE) | 12.0082% | 1,244 |
| Retained earnings to average equity (ytd only) | 2.6616% | 4,009 |
| Net charge-offs to loans | 0.0378% | 3,272 |
| Credit loss provision to net charge-offs | 307.0866% | 964 |
| Earnings coverage of net charge-offs (x) | 65.4803% | 835 |
| Efficiency ratio | 60.6716% | 4,478 |
| Assets per employee ($millions) | 3.4690% | 4,806 |
| Cash dividends to net income (ytd only)* | 77.8354% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 3,350 |
| Loan loss allowance to noncurrent loans | 127.8704% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,651 |
| Noncurrent loans to loans | 0.9098% | 2,277 |
| Net loans and leases to total assets | 74.6068% | 1,756 |
| Net loans and leases to deposits | 92.3626% | 1,400 |
| Net loans and leases to core deposits | 94.1226% | 2,094 |
| Total domestic deposits to total assets | 80.7760% | 4,398 |
| Equity capital to assets | 14.1087% | 856 |
| Core capital (leverage) ratio | 14.1063% | 795 |
| Tier 1 risk-based capital ratio | 18.1452% | 1,818 |
| Total risk-based capital ratio | 19.2742% | 1,800 |
| Memoranda: | ||
| Average total assets | $465,217,000 | 1,463 |
| Average earning assets | $438,016,600 | 1,450 |
| Average equity | $65,863,200 | 1,193 |
| Average total loans | $335,768,600 | 1,390 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 2,139 |
| Cost of funding earning assets | 0.3310% | 3,768 |
| Net interest margin | 3.9775% | 1,717 |
| Noninterest income to average assets | 0.7274% | 2,052 |
| Noninterest expense to average assets | 2.8226% | 2,925 |
| Loan and lease loss provision to assets | 0.0647% | 2,937 |
| Net operating income to assets | 1.5824% | 758 |
| Return on assets (ROA) | 1.5813% | 797 |
| Pretax return on assets | 1.5813% | 1,433 |
| Return on Equity (ROE) | 11.1595% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.7550% | 3,631 |
| Net charge-offs to loans | -0.0040% | 4,578 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1491% | 4,047 |
| Assets per employee ($millions) | 3.3757% | 4,948 |
| Cash dividends to net income (ytd only)* | 66.3515% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 3,207 |
| Loan loss allowance to noncurrent loans | 169.7320% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 3,358 |
| Noncurrent loans to loans | 0.7096% | 2,909 |
| Net loans and leases to total assets | 73.0018% | 2,019 |
| Net loans and leases to deposits | 90.0441% | 1,748 |
| Net loans and leases to core deposits | 91.7899% | 2,409 |
| Total domestic deposits to total assets | 81.0734% | 4,231 |
| Equity capital to assets | 14.4235% | 896 |
| Core capital (leverage) ratio | 14.5036% | 723 |
| Tier 1 risk-based capital ratio | 18.7092% | 1,733 |
| Total risk-based capital ratio | 19.8641% | 1,722 |
| Memoranda: | ||
| Average total assets | $463,576,500 | 1,474 |
| Average earning assets | $436,179,250 | 1,459 |
| Average equity | $65,688,500 | 1,203 |
| Average total loans | $330,680,250 | 1,414 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,490 |
| Cost of funding earning assets | 0.3345% | 3,750 |
| Net interest margin | 3.8725% | 2,074 |
| Noninterest income to average assets | 0.7035% | 2,129 |
| Noninterest expense to average assets | 2.7676% | 3,143 |
| Loan and lease loss provision to assets | 0.0647% | 2,848 |
| Net operating income to assets | 1.5144% | 870 |
| Return on assets (ROA) | 1.5144% | 914 |
| Pretax return on assets | 1.5144% | 1,628 |
| Return on Equity (ROE) | 10.7514% | 1,737 |
| Retained earnings to average equity (ytd only) | 2.6412% | 4,217 |
| Net charge-offs to loans | -0.0343% | 5,193 |
| Credit loss provision to net charge-offs | -267.8571% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6715% | 4,077 |
| Assets per employee ($millions) | 3.3901% | 4,937 |
| Cash dividends to net income (ytd only)* | 75.4341% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,101 |
| Loan loss allowance to noncurrent loans | 122.5120% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 2,807 |
| Noncurrent loans to loans | 1.0164% | 2,254 |
| Net loans and leases to total assets | 70.3019% | 2,431 |
| Net loans and leases to deposits | 86.3144% | 2,216 |
| Net loans and leases to core deposits | 88.1774% | 2,711 |
| Total domestic deposits to total assets | 81.4486% | 4,149 |
| Equity capital to assets | 14.2590% | 944 |
| Core capital (leverage) ratio | 14.1976% | 772 |
| Tier 1 risk-based capital ratio | 18.8369% | 1,730 |
| Total risk-based capital ratio | 20.0088% | 1,706 |
| Memoranda: | ||
| Average total assets | $463,943,330 | 1,479 |
| Average earning assets | $436,459,670 | 1,463 |
| Average equity | $65,349,670 | 1,203 |
| Average total loans | $326,996,330 | 1,427 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,527 |
| Cost of funding earning assets | 0.3378% | 3,749 |
| Net interest margin | 3.8473% | 2,114 |
| Noninterest income to average assets | 0.6893% | 2,091 |
| Noninterest expense to average assets | 2.7444% | 3,259 |
| Loan and lease loss provision to assets | 0.0645% | 2,668 |
| Net operating income to assets | 1.5024% | 846 |
| Return on assets (ROA) | 1.5024% | 888 |
| Pretax return on assets | 1.5024% | 1,578 |
| Return on Equity (ROE) | 10.7315% | 1,704 |
| Retained earnings to average equity (ytd only) | 4.6045% | 3,172 |
| Net charge-offs to loans | -0.0760% | 5,529 |
| Credit loss provision to net charge-offs | -120.9677% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6563% | 4,179 |
| Assets per employee ($millions) | 3.4312% | 4,914 |
| Cash dividends to net income (ytd only)* | 57.0938% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 3,374 |
| Loan loss allowance to noncurrent loans | 466.1253% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,827 |
| Noncurrent loans to loans | 0.2613% | 4,499 |
| Net loans and leases to total assets | 69.8337% | 2,372 |
| Net loans and leases to deposits | 85.1505% | 2,177 |
| Net loans and leases to core deposits | 86.8248% | 2,672 |
| Total domestic deposits to total assets | 82.0121% | 4,224 |
| Equity capital to assets | 14.0500% | 963 |
| Core capital (leverage) ratio | 14.2191% | 759 |
| Tier 1 risk-based capital ratio | 18.7197% | 1,799 |
| Total risk-based capital ratio | 19.8666% | 1,778 |
| Memoranda: | ||
| Average total assets | $465,390,000 | 1,472 |
| Average earning assets | $438,124,500 | 1,456 |
| Average equity | $65,154,000 | 1,198 |
| Average total loans | $326,387,500 | 1,419 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,560 |
| Cost of funding earning assets | 0.3809% | 3,355 |
| Net interest margin | 3.8192% | 2,310 |
| Noninterest income to average assets | 0.7453% | 2,004 |
| Noninterest expense to average assets | 2.6921% | 3,607 |
| Loan and lease loss provision to assets | 0.0765% | 2,745 |
| Net operating income to assets | 1.5756% | 746 |
| Return on assets (ROA) | 1.5756% | 767 |
| Pretax return on assets | 1.5756% | 1,326 |
| Return on Equity (ROE) | 11.3885% | 1,470 |
| Retained earnings to average equity (ytd only) | 4.5415% | 2,753 |
| Net charge-offs to loans | 0.0846% | 2,624 |
| Credit loss provision to net charge-offs | 132.0755% | 1,982 |
| Earnings coverage of net charge-offs (x) | 28.5170% | 1,504 |
| Efficiency ratio | 61.9697% | 4,607 |
| Assets per employee ($millions) | 3.4380% | 4,923 |
| Cash dividends to net income (ytd only)* | 60.1221% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 3,471 |
| Loan loss allowance to noncurrent loans | 294.6849% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 4,337 |
| Noncurrent loans to loans | 0.4079% | 3,996 |
| Net loans and leases to total assets | 68.7301% | 2,583 |
| Net loans and leases to deposits | 83.9856% | 2,363 |
| Net loans and leases to core deposits | 85.6472% | 2,821 |
| Total domestic deposits to total assets | 81.8356% | 4,211 |
| Equity capital to assets | 13.9494% | 949 |
| Core capital (leverage) ratio | 13.8577% | 858 |
| Tier 1 risk-based capital ratio | 18.9471% | 1,713 |
| Total risk-based capital ratio | 20.0814% | 1,703 |
| Memoranda: | ||
| Average total assets | $457,406,400 | 1,470 |
| Average earning assets | $431,032,600 | 1,451 |
| Average equity | $63,283,200 | 1,195 |
| Average total loans | $313,226,600 | 1,411 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,576 |
| Cost of funding earning assets | 0.3889% | 3,340 |
| Net interest margin | 3.8096% | 2,346 |
| Noninterest income to average assets | 0.7420% | 2,059 |
| Noninterest expense to average assets | 2.7051% | 3,549 |
| Loan and lease loss provision to assets | 0.0805% | 2,564 |
| Net operating income to assets | 1.5477% | 854 |
| Return on assets (ROA) | 1.5477% | 895 |
| Pretax return on assets | 1.5477% | 1,543 |
| Return on Equity (ROE) | 11.2101% | 1,622 |
| Retained earnings to average equity (ytd only) | 4.2085% | 3,473 |
| Net charge-offs to loans | 0.0373% | 3,155 |
| Credit loss provision to net charge-offs | 316.0920% | 921 |
| Earnings coverage of net charge-offs (x) | 63.9639% | 873 |
| Efficiency ratio | 62.4266% | 4,506 |
| Assets per employee ($millions) | 3.4200% | 4,944 |
| Cash dividends to net income (ytd only)* | 62.4574% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 3,378 |
| Loan loss allowance to noncurrent loans | 305.5982% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 4,590 |
| Noncurrent loans to loans | 0.4086% | 4,145 |
| Net loans and leases to total assets | 68.7686% | 2,574 |
| Net loans and leases to deposits | 84.0825% | 2,403 |
| Net loans and leases to core deposits | 85.7689% | 2,877 |
| Total domestic deposits to total assets | 81.7871% | 4,229 |
| Equity capital to assets | 13.9568% | 1,039 |
| Core capital (leverage) ratio | 14.0145% | 861 |
| Tier 1 risk-based capital ratio | 19.2453% | 1,718 |
| Total risk-based capital ratio | 20.4447% | 1,694 |
| Memoranda: | ||
| Average total assets | $455,724,750 | 1,482 |
| Average earning assets | $429,605,000 | 1,453 |
| Average equity | $62,918,000 | 1,206 |
| Average total loans | $310,813,250 | 1,427 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 2,741 |
| Cost of funding earning assets | 0.3998% | 3,279 |
| Net interest margin | 3.7440% | 2,530 |
| Noninterest income to average assets | 0.7211% | 2,126 |
| Noninterest expense to average assets | 2.6531% | 3,739 |
| Loan and lease loss provision to assets | 0.0879% | 2,350 |
| Net operating income to assets | 1.5046% | 889 |
| Return on assets (ROA) | 1.5046% | 935 |
| Pretax return on assets | 1.5046% | 1,641 |
| Return on Equity (ROE) | 10.9381% | 1,700 |
| Retained earnings to average equity (ytd only) | 2.9311% | 4,170 |
| Net charge-offs to loans | 0.0013% | 3,860 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,811.0000% | 27 |
| Efficiency ratio | 62.4896% | 4,598 |
| Assets per employee ($millions) | 3.5232% | 4,744 |
| Cash dividends to net income (ytd only)* | 73.2028% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 3,352 |
| Loan loss allowance to noncurrent loans | 175.6376% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 3,891 |
| Noncurrent loans to loans | 0.7287% | 3,296 |
| Net loans and leases to total assets | 68.3142% | 2,598 |
| Net loans and leases to deposits | 83.6463% | 2,355 |
| Net loans and leases to core deposits | 85.3039% | 2,851 |
| Total domestic deposits to total assets | 81.6704% | 4,398 |
| Equity capital to assets | 13.9384% | 997 |
| Core capital (leverage) ratio | 13.7616% | 916 |
| Tier 1 risk-based capital ratio | 19.3313% | 1,714 |
| Total risk-based capital ratio | 20.5594% | 1,686 |
| Memoranda: | ||
| Average total assets | $454,871,000 | 1,493 |
| Average earning assets | $428,202,330 | 1,467 |
| Average equity | $62,570,000 | 1,217 |
| Average total loans | $308,037,000 | 1,442 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 2,997 |
| Cost of funding earning assets | 0.4088% | 3,206 |
| Net interest margin | 3.6510% | 2,811 |
| Noninterest income to average assets | 0.7084% | 2,133 |
| Noninterest expense to average assets | 2.6776% | 3,665 |
| Loan and lease loss provision to assets | 0.1095% | 1,881 |
| Net operating income to assets | 1.3546% | 1,127 |
| Return on assets (ROA) | 1.3546% | 1,193 |
| Pretax return on assets | 1.3546% | 2,051 |
| Return on Equity (ROE) | 9.9125% | 2,043 |
| Retained earnings to average equity (ytd only) | 6.0103% | 2,503 |
| Net charge-offs to loans | 0.0196% | 2,763 |
| Credit loss provision to net charge-offs | 833.3333% | 373 |
| Earnings coverage of net charge-offs (x) | 111.4667% | 451 |
| Efficiency ratio | 64.6512% | 4,371 |
| Assets per employee ($millions) | 3.4419% | 5,010 |
| Cash dividends to net income (ytd only)* | 39.3665% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 3,458 |
| Loan loss allowance to noncurrent loans | 160.0820% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 3,777 |
| Noncurrent loans to loans | 0.8057% | 3,230 |
| Net loans and leases to total assets | 64.8180% | 2,971 |
| Net loans and leases to deposits | 79.5791% | 2,609 |
| Net loans and leases to core deposits | 81.1211% | 3,044 |
| Total domestic deposits to total assets | 81.4511% | 4,688 |
| Equity capital to assets | 13.6442% | 1,109 |
| Core capital (leverage) ratio | 13.7979% | 886 |
| Tier 1 risk-based capital ratio | 19.9275% | 1,642 |
| Total risk-based capital ratio | 21.1651% | 1,609 |
| Memoranda: | ||
| Average total assets | $456,822,000 | 1,489 |
| Average earning assets | $429,578,000 | 1,463 |
| Average equity | $62,426,000 | 1,223 |
| Average total loans | $306,020,500 | 1,450 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,882 |
| Cost of funding earning assets | 0.5003% | 2,676 |
| Net interest margin | 3.7199% | 2,927 |
| Noninterest income to average assets | 0.7676% | 2,001 |
| Noninterest expense to average assets | 2.6975% | 3,868 |
| Loan and lease loss provision to assets | 0.1214% | 2,156 |
| Net operating income to assets | 1.4408% | 999 |
| Return on assets (ROA) | 1.4408% | 1,032 |
| Pretax return on assets | 1.4408% | 1,753 |
| Return on Equity (ROE) | 10.7783% | 1,795 |
| Retained earnings to average equity (ytd only) | 4.5256% | 2,950 |
| Net charge-offs to loans | 0.1579% | 2,457 |
| Credit loss provision to net charge-offs | 117.2708% | 2,039 |
| Earnings coverage of net charge-offs (x) | 15.0917% | 2,110 |
| Efficiency ratio | 63.3264% | 4,697 |
| Assets per employee ($millions) | 3.2785% | 5,296 |
| Cash dividends to net income (ytd only)* | 58.0116% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 3,844 |
| Loan loss allowance to noncurrent loans | 139.5588% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 3,654 |
| Noncurrent loans to loans | 0.8797% | 3,120 |
| Net loans and leases to total assets | 67.4997% | 2,646 |
| Net loans and leases to deposits | 83.2969% | 2,296 |
| Net loans and leases to core deposits | 84.8861% | 2,794 |
| Total domestic deposits to total assets | 81.0351% | 4,736 |
| Equity capital to assets | 13.6868% | 1,079 |
| Core capital (leverage) ratio | 13.4273% | 994 |
| Tier 1 risk-based capital ratio | 20.0137% | 1,601 |
| Total risk-based capital ratio | 21.2420% | 1,572 |
| Memoranda: | ||
| Average total assets | $453,079,200 | 1,466 |
| Average earning assets | $425,335,600 | 1,438 |
| Average equity | $60,566,400 | 1,207 |
| Average total loans | $297,106,400 | 1,440 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,986 |
| Cost of funding earning assets | 0.5154% | 2,607 |
| Net interest margin | 3.6853% | 3,086 |
| Noninterest income to average assets | 0.7922% | 1,924 |
| Noninterest expense to average assets | 2.6925% | 3,852 |
| Loan and lease loss provision to assets | 0.0883% | 2,590 |
| Net operating income to assets | 1.4717% | 988 |
| Return on assets (ROA) | 1.4717% | 1,022 |
| Pretax return on assets | 1.4717% | 1,736 |
| Return on Equity (ROE) | 11.0756% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.9722% | 3,094 |
| Net charge-offs to loans | 0.1161% | 2,642 |
| Credit loss provision to net charge-offs | 117.1875% | 1,948 |
| Earnings coverage of net charge-offs (x) | 20.7151% | 1,712 |
| Efficiency ratio | 63.3163% | 4,658 |
| Assets per employee ($millions) | 3.2378% | 5,356 |
| Cash dividends to net income (ytd only)* | 55.1070% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 4,030 |
| Loan loss allowance to noncurrent loans | 102.1190% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 3,234 |
| Noncurrent loans to loans | 1.2132% | 2,617 |
| Net loans and leases to total assets | 66.1065% | 2,849 |
| Net loans and leases to deposits | 80.7508% | 2,582 |
| Net loans and leases to core deposits | 82.2687% | 3,076 |
| Total domestic deposits to total assets | 81.8648% | 4,527 |
| Equity capital to assets | 13.5534% | 1,157 |
| Core capital (leverage) ratio | 13.5294% | 987 |
| Tier 1 risk-based capital ratio | 20.1998% | 1,620 |
| Total risk-based capital ratio | 21.4374% | 1,587 |
| Memoranda: | ||
| Average total assets | $453,240,000 | 1,474 |
| Average earning assets | $425,574,500 | 1,451 |
| Average equity | $60,227,000 | 1,218 |
| Average total loans | $294,085,750 | 1,457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,121 |
| Cost of funding earning assets | 0.5298% | 2,544 |
| Net interest margin | 3.6262% | 3,255 |
| Noninterest income to average assets | 0.7798% | 1,915 |
| Noninterest expense to average assets | 2.6534% | 4,038 |
| Loan and lease loss provision to assets | 0.0662% | 2,944 |
| Net operating income to assets | 1.4642% | 940 |
| Return on assets (ROA) | 1.4642% | 978 |
| Pretax return on assets | 1.4642% | 1,657 |
| Return on Equity (ROE) | 11.0926% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.9115% | 3,694 |
| Net charge-offs to loans | 0.1024% | 2,658 |
| Credit loss provision to net charge-offs | 100.6711% | 1,973 |
| Earnings coverage of net charge-offs (x) | 23.2752% | 1,477 |
| Efficiency ratio | 63.4216% | 4,786 |
| Assets per employee ($millions) | 3.3342% | 5,188 |
| Cash dividends to net income (ytd only)* | 64.7378% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 4,128 |
| Loan loss allowance to noncurrent loans | 103.7409% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 3,415 |
| Noncurrent loans to loans | 1.2095% | 2,815 |
| Net loans and leases to total assets | 64.4905% | 3,002 |
| Net loans and leases to deposits | 78.8422% | 2,683 |
| Net loans and leases to core deposits | 80.3104% | 3,176 |
| Total domestic deposits to total assets | 81.7969% | 4,718 |
| Equity capital to assets | 13.3190% | 1,223 |
| Core capital (leverage) ratio | 13.3797% | 1,022 |
| Tier 1 risk-based capital ratio | 20.2932% | 1,614 |
| Total risk-based capital ratio | 21.5422% | 1,584 |
| Memoranda: | ||
| Average total assets | $453,221,330 | 1,475 |
| Average earning assets | $425,461,670 | 1,450 |
| Average equity | $59,823,670 | 1,220 |
| Average total loans | $290,975,330 | 1,472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 3,276 |
| Cost of funding earning assets | 0.5522% | 2,404 |
| Net interest margin | 3.5495% | 3,484 |
| Noninterest income to average assets | 0.8510% | 1,554 |
| Noninterest expense to average assets | 2.7190% | 3,875 |
| Loan and lease loss provision to assets | 0.0662% | 2,800 |
| Net operating income to assets | 1.3913% | 999 |
| Return on assets (ROA) | 1.3913% | 1,045 |
| Pretax return on assets | 1.3913% | 1,780 |
| Return on Equity (ROE) | 10.5883% | 1,831 |
| Retained earnings to average equity (ytd only) | 4.3468% | 3,520 |
| Net charge-offs to loans | 0.0527% | 2,646 |
| Credit loss provision to net charge-offs | 197.3684% | 1,060 |
| Earnings coverage of net charge-offs (x) | 43.4474% | 837 |
| Efficiency ratio | 65.1025% | 4,673 |
| Assets per employee ($millions) | 3.3592% | 5,238 |
| Cash dividends to net income (ytd only)* | 58.9467% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,079 |
| Loan loss allowance to noncurrent loans | 128.6253% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 4,177 |
| Noncurrent loans to loans | 1.0182% | 3,385 |
| Net loans and leases to total assets | 62.3466% | 3,180 |
| Net loans and leases to deposits | 75.1496% | 2,925 |
| Net loans and leases to core deposits | 76.6763% | 3,345 |
| Total domestic deposits to total assets | 82.9633% | 4,615 |
| Equity capital to assets | 13.1999% | 1,214 |
| Core capital (leverage) ratio | 13.1270% | 1,115 |
| Tier 1 risk-based capital ratio | 20.4272% | 1,608 |
| Total risk-based capital ratio | 21.6766% | 1,575 |
| Memoranda: | ||
| Average total assets | $453,104,000 | 1,479 |
| Average earning assets | $424,509,000 | 1,458 |
| Average equity | $59,537,500 | 1,228 |
| Average total loans | $288,387,000 | 1,488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 2,534 |
| Cost of funding earning assets | 0.6950% | 1,853 |
| Net interest margin | 3.7193% | 2,979 |
| Noninterest income to average assets | 0.7855% | 2,142 |
| Noninterest expense to average assets | 2.6087% | 4,430 |
| Loan and lease loss provision to assets | 0.1004% | 3,128 |
| Net operating income to assets | 1.5486% | 754 |
| Return on assets (ROA) | 1.5486% | 785 |
| Pretax return on assets | 1.5486% | 1,303 |
| Return on Equity (ROE) | 11.9009% | 1,449 |
| Retained earnings to average equity (ytd only) | 2.4340% | 4,515 |
| Net charge-offs to loans | 0.0687% | 4,249 |
| Credit loss provision to net charge-offs | 220.5882% | 1,038 |
| Earnings coverage of net charge-offs (x) | 36.2402% | 1,032 |
| Efficiency ratio | 61.2709% | 5,317 |
| Assets per employee ($millions) | 3.3534% | 5,189 |
| Cash dividends to net income (ytd only)* | 79.5477% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,243 |
| Loan loss allowance to noncurrent loans | 120.1876% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 4,085 |
| Noncurrent loans to loans | 1.0648% | 3,382 |
| Net loans and leases to total assets | 63.3002% | 3,166 |
| Net loans and leases to deposits | 77.5774% | 2,782 |
| Net loans and leases to core deposits | 80.1860% | 3,111 |
| Total domestic deposits to total assets | 81.5962% | 5,006 |
| Equity capital to assets | 13.0799% | 1,237 |
| Core capital (leverage) ratio | 13.0254% | 1,132 |
| Tier 1 risk-based capital ratio | 20.0526% | 1,641 |
| Total risk-based capital ratio | 21.3018% | 1,613 |
| Memoranda: | ||
| Average total assets | $448,351,800 | 1,483 |
| Average earning assets | $418,551,600 | 1,455 |
| Average equity | $58,340,200 | 1,240 |
| Average total loans | $297,000,000 | 1,417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 2,383 |
| Cost of funding earning assets | 0.7194% | 1,817 |
| Net interest margin | 3.7415% | 2,880 |
| Noninterest income to average assets | 0.7652% | 2,297 |
| Noninterest expense to average assets | 2.5816% | 4,450 |
| Loan and lease loss provision to assets | 0.1118% | 2,897 |
| Net operating income to assets | 1.5650% | 802 |
| Return on assets (ROA) | 1.5650% | 851 |
| Pretax return on assets | 1.5650% | 1,428 |
| Return on Equity (ROE) | 12.0434% | 1,463 |
| Retained earnings to average equity (ytd only) | 1.6540% | 5,315 |
| Net charge-offs to loans | -0.0308% | 6,175 |
| Credit loss provision to net charge-offs | -543.4783% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6230% | 5,342 |
| Assets per employee ($millions) | 3.3784% | 5,108 |
| Cash dividends to net income (ytd only)* | 86.2667% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,264 |
| Loan loss allowance to noncurrent loans | 123.7508% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 4,317 |
| Noncurrent loans to loans | 1.0721% | 3,653 |
| Net loans and leases to total assets | 65.2620% | 2,755 |
| Net loans and leases to deposits | 79.0699% | 2,527 |
| Net loans and leases to core deposits | 81.5976% | 2,924 |
| Total domestic deposits to total assets | 82.5372% | 4,743 |
| Equity capital to assets | 13.1215% | 1,280 |
| Core capital (leverage) ratio | 13.0176% | 1,196 |
| Tier 1 risk-based capital ratio | 19.7677% | 1,794 |
| Total risk-based capital ratio | 21.0173% | 1,755 |
| Memoranda: | ||
| Average total assets | $447,262,000 | 1,490 |
| Average earning assets | $417,577,750 | 1,467 |
| Average equity | $58,121,750 | 1,247 |
| Average total loans | $298,679,500 | 1,415 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 2,064 |
| Cost of funding earning assets | 0.7418% | 1,754 |
| Net interest margin | 3.7952% | 2,573 |
| Noninterest income to average assets | 0.7349% | 2,475 |
| Noninterest expense to average assets | 2.5937% | 4,411 |
| Loan and lease loss provision to assets | 0.1340% | 2,648 |
| Net operating income to assets | 1.5358% | 839 |
| Return on assets (ROA) | 1.5358% | 907 |
| Pretax return on assets | 1.5358% | 1,523 |
| Return on Equity (ROE) | 11.8571% | 1,537 |
| Retained earnings to average equity (ytd only) | 1.1071% | 5,457 |
| Net charge-offs to loans | -0.0827% | 6,450 |
| Credit loss provision to net charge-offs | -241.9355% | 5,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8340% | 5,358 |
| Assets per employee ($millions) | 3.3784% | 5,121 |
| Cash dividends to net income (ytd only)* | 90.6632% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,454 |
| Loan loss allowance to noncurrent loans | 101.1694% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 4,051 |
| Noncurrent loans to loans | 1.2952% | 3,390 |
| Net loans and leases to total assets | 65.7489% | 2,630 |
| Net loans and leases to deposits | 79.7944% | 2,350 |
| Net loans and leases to core deposits | 82.7030% | 2,725 |
| Total domestic deposits to total assets | 82.3978% | 4,911 |
| Equity capital to assets | 13.0317% | 1,331 |
| Core capital (leverage) ratio | 12.9725% | 1,174 |
| Tier 1 risk-based capital ratio | 19.6229% | 1,821 |
| Total risk-based capital ratio | 20.8725% | 1,795 |
| Memoranda: | ||
| Average total assets | $447,700,330 | 1,484 |
| Average earning assets | $416,264,000 | 1,466 |
| Average equity | $57,990,670 | 1,251 |
| Average total loans | $299,923,670 | 1,409 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 1,927 |
| Cost of funding earning assets | 0.7617% | 1,772 |
| Net interest margin | 3.8057% | 2,427 |
| Noninterest income to average assets | 0.7152% | 2,510 |
| Noninterest expense to average assets | 2.4183% | 5,068 |
| Loan and lease loss provision to assets | 0.1338% | 2,565 |
| Net operating income to assets | 1.6871% | 601 |
| Return on assets (ROA) | 1.6871% | 659 |
| Pretax return on assets | 1.6871% | 1,109 |
| Return on Equity (ROE) | 13.0644% | 1,153 |
| Retained earnings to average equity (ytd only) | 1.8575% | 5,066 |
| Net charge-offs to loans | -0.0119% | 5,505 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0467% | 5,957 |
| Assets per employee ($millions) | 3.3795% | 5,259 |
| Cash dividends to net income (ytd only)* | 85.7822% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 5,123 |
| Loan loss allowance to noncurrent loans | 89.3156% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 4,099 |
| Noncurrent loans to loans | 1.3570% | 3,531 |
| Net loans and leases to total assets | 65.2967% | 2,497 |
| Net loans and leases to deposits | 78.1913% | 2,311 |
| Net loans and leases to core deposits | 80.6498% | 2,729 |
| Total domestic deposits to total assets | 83.5089% | 4,665 |
| Equity capital to assets | 12.8215% | 1,517 |
| Core capital (leverage) ratio | 12.8612% | 1,171 |
| Tier 1 risk-based capital ratio | 19.2933% | 1,957 |
| Total risk-based capital ratio | 20.5005% | 1,940 |
| Memoranda: | ||
| Average total assets | $448,575,500 | 1,496 |
| Average earning assets | $415,377,500 | 1,485 |
| Average equity | $57,928,500 | 1,258 |
| Average total loans | $301,335,500 | 1,405 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 2,416 |
| Cost of funding earning assets | 0.8839% | 2,046 |
| Net interest margin | 3.8608% | 2,982 |
| Noninterest income to average assets | 0.8077% | 2,234 |
| Noninterest expense to average assets | 2.4819% | 5,159 |
| Loan and lease loss provision to assets | 0.1926% | 3,226 |
| Net operating income to assets | 1.7094% | 605 |
| Return on assets (ROA) | 1.7094% | 680 |
| Pretax return on assets | 1.7094% | 1,113 |
| Return on Equity (ROE) | 13.5717% | 1,086 |
| Retained earnings to average equity (ytd only) | 6.5115% | 1,814 |
| Net charge-offs to loans | 0.1458% | 4,235 |
| Credit loss provision to net charge-offs | 196.7593% | 1,324 |
| Earnings coverage of net charge-offs (x) | 19.4282% | 1,385 |
| Efficiency ratio | 56.6141% | 5,993 |
| Assets per employee ($millions) | 3.1964% | 5,628 |
| Cash dividends to net income (ytd only)* | 52.0217% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,373 |
| Loan loss allowance to noncurrent loans | 64.1457% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 3,623 |
| Noncurrent loans to loans | 1.7828% | 2,941 |
| Net loans and leases to total assets | 67.4943% | 2,280 |
| Net loans and leases to deposits | 81.7062% | 2,046 |
| Net loans and leases to core deposits | 84.2774% | 2,517 |
| Total domestic deposits to total assets | 82.6062% | 4,884 |
| Equity capital to assets | 13.0080% | 1,450 |
| Core capital (leverage) ratio | 12.8778% | 1,164 |
| Tier 1 risk-based capital ratio | 19.0864% | 1,937 |
| Total risk-based capital ratio | 20.2336% | 1,933 |
| Memoranda: | ||
| Average total assets | $441,266,200 | 1,494 |
| Average earning assets | $408,745,200 | 1,477 |
| Average equity | $55,579,000 | 1,284 |
| Average total loans | $296,345,400 | 1,414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 2,641 |
| Cost of funding earning assets | 0.9053% | 2,138 |
| Net interest margin | 3.8295% | 3,208 |
| Noninterest income to average assets | 0.7885% | 2,288 |
| Noninterest expense to average assets | 2.3935% | 5,418 |
| Loan and lease loss provision to assets | 0.1892% | 3,225 |
| Net operating income to assets | 1.7561% | 623 |
| Return on assets (ROA) | 1.7561% | 691 |
| Pretax return on assets | 1.7561% | 1,150 |
| Return on Equity (ROE) | 14.0587% | 1,098 |
| Retained earnings to average equity (ytd only) | 4.7928% | 3,519 |
| Net charge-offs to loans | 0.0670% | 4,745 |
| Credit loss provision to net charge-offs | 422.2973% | 634 |
| Earnings coverage of net charge-offs (x) | 43.4253% | 828 |
| Efficiency ratio | 55.1657% | 6,140 |
| Assets per employee ($millions) | 3.2763% | 5,486 |
| Cash dividends to net income (ytd only)* | 65.9083% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,422 |
| Loan loss allowance to noncurrent loans | 87.1972% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 4,410 |
| Noncurrent loans to loans | 1.3435% | 3,783 |
| Net loans and leases to total assets | 67.2918% | 2,409 |
| Net loans and leases to deposits | 82.2964% | 2,078 |
| Net loans and leases to core deposits | 84.9635% | 2,581 |
| Total domestic deposits to total assets | 81.7676% | 5,098 |
| Equity capital to assets | 12.6958% | 1,770 |
| Core capital (leverage) ratio | 12.7347% | 1,304 |
| Tier 1 risk-based capital ratio | 18.6189% | 2,127 |
| Total risk-based capital ratio | 19.7902% | 2,118 |
| Memoranda: | ||
| Average total assets | $440,509,000 | 1,510 |
| Average earning assets | $408,400,500 | 1,495 |
| Average equity | $55,025,250 | 1,304 |
| Average total loans | $294,596,000 | 1,439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,690 |
| Cost of funding earning assets | 0.9290% | 2,196 |
| Net interest margin | 3.8290% | 3,227 |
| Noninterest income to average assets | 0.8524% | 1,956 |
| Noninterest expense to average assets | 2.4314% | 5,352 |
| Loan and lease loss provision to assets | 0.1819% | 3,284 |
| Net operating income to assets | 1.7826% | 584 |
| Return on assets (ROA) | 1.7826% | 654 |
| Pretax return on assets | 1.7826% | 1,078 |
| Return on Equity (ROE) | 14.3497% | 1,040 |
| Retained earnings to average equity (ytd only) | 3.3523% | 4,370 |
| Net charge-offs to loans | 0.0561% | 4,629 |
| Credit loss provision to net charge-offs | 487.8049% | 617 |
| Earnings coverage of net charge-offs (x) | 52.6951% | 699 |
| Efficiency ratio | 55.3108% | 6,188 |
| Assets per employee ($millions) | 3.3319% | 5,378 |
| Cash dividends to net income (ytd only)* | 76.6386% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,566 |
| Loan loss allowance to noncurrent loans | 104.2066% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 4,797 |
| Noncurrent loans to loans | 1.1051% | 4,317 |
| Net loans and leases to total assets | 65.7492% | 2,720 |
| Net loans and leases to deposits | 80.6556% | 2,287 |
| Net loans and leases to core deposits | 83.3260% | 2,781 |
| Total domestic deposits to total assets | 81.5184% | 5,289 |
| Equity capital to assets | 12.5261% | 1,800 |
| Core capital (leverage) ratio | 12.4606% | 1,370 |
| Tier 1 risk-based capital ratio | 18.6248% | 2,094 |
| Total risk-based capital ratio | 19.7656% | 2,081 |
| Memoranda: | ||
| Average total assets | $439,913,330 | 1,513 |
| Average earning assets | $407,107,330 | 1,499 |
| Average equity | $54,649,330 | 1,302 |
| Average total loans | $292,409,000 | 1,451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 2,434 |
| Cost of funding earning assets | 0.9547% | 2,271 |
| Net interest margin | 3.8974% | 2,937 |
| Noninterest income to average assets | 0.9201% | 1,667 |
| Noninterest expense to average assets | 2.3002% | 5,768 |
| Loan and lease loss provision to assets | 0.1591% | 3,392 |
| Net operating income to assets | 2.0647% | 372 |
| Return on assets (ROA) | 2.0647% | 430 |
| Pretax return on assets | 2.0647% | 668 |
| Return on Equity (ROE) | 16.6898% | 715 |
| Retained earnings to average equity (ytd only) | 3.7260% | 4,352 |
| Net charge-offs to loans | -0.0164% | 6,111 |
| Credit loss provision to net charge-offs | -1,458.3333% | 5,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8441% | 6,622 |
| Assets per employee ($millions) | 3.6564% | 4,748 |
| Cash dividends to net income (ytd only)* | 77.6750% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,848 |
| Loan loss allowance to noncurrent loans | 96.4829% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 4,935 |
| Noncurrent loans to loans | 1.1552% | 4,401 |
| Net loans and leases to total assets | 64.3826% | 2,790 |
| Net loans and leases to deposits | 78.3103% | 2,449 |
| Net loans and leases to core deposits | 80.7719% | 2,973 |
| Total domestic deposits to total assets | 82.2147% | 5,224 |
| Equity capital to assets | 12.2583% | 1,873 |
| Core capital (leverage) ratio | 12.4633% | 1,354 |
| Tier 1 risk-based capital ratio | 18.6508% | 2,093 |
| Total risk-based capital ratio | 19.7566% | 2,118 |
| Memoranda: | ||
| Average total assets | $439,964,500 | 1,515 |
| Average earning assets | $406,839,000 | 1,491 |
| Average equity | $54,428,500 | 1,300 |
| Average total loans | $292,343,000 | 1,454 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 2,561 |
| Cost of funding earning assets | 1.1879% | 2,105 |
| Net interest margin | 3.8837% | 3,405 |
| Noninterest income to average assets | 0.8019% | 2,048 |
| Noninterest expense to average assets | 2.5622% | 5,241 |
| Loan and lease loss provision to assets | 0.1423% | 4,836 |
| Net operating income to assets | 1.6875% | 565 |
| Return on assets (ROA) | 1.6875% | 597 |
| Pretax return on assets | 1.6875% | 1,012 |
| Return on Equity (ROE) | 13.7106% | 1,015 |
| Retained earnings to average equity (ytd only) | 5.3725% | 2,392 |
| Net charge-offs to loans | 0.2071% | 4,505 |
| Credit loss provision to net charge-offs | 98.0392% | 3,663 |
| Earnings coverage of net charge-offs (x) | 12.6062% | 1,609 |
| Efficiency ratio | 58.3378% | 6,007 |
| Assets per employee ($millions) | 3.1668% | 5,778 |
| Cash dividends to net income (ytd only)* | 60.8152% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 6,045 |
| Loan loss allowance to noncurrent loans | 141.6435% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,590 |
| Noncurrent loans to loans | 0.7320% | 5,237 |
| Net loans and leases to total assets | 67.1202% | 2,559 |
| Net loans and leases to deposits | 81.0329% | 2,352 |
| Net loans and leases to core deposits | 83.7067% | 2,926 |
| Total domestic deposits to total assets | 82.8308% | 4,819 |
| Equity capital to assets | 12.4871% | 1,804 |
| Core capital (leverage) ratio | 12.5921% | 1,311 |
| Tier 1 risk-based capital ratio | 18.3085% | 2,104 |
| Total risk-based capital ratio | 19.3410% | 2,138 |
| Memoranda: | ||
| Average total assets | $421,627,600 | 1,544 |
| Average earning assets | $389,755,400 | 1,527 |
| Average equity | $51,894,000 | 1,316 |
| Average total loans | $295,561,000 | 1,437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 2,788 |
| Cost of funding earning assets | 1.2291% | 2,132 |
| Net interest margin | 3.8337% | 3,701 |
| Noninterest income to average assets | 0.7635% | 2,238 |
| Noninterest expense to average assets | 2.5196% | 5,401 |
| Loan and lease loss provision to assets | 0.1433% | 4,649 |
| Net operating income to assets | 1.6446% | 714 |
| Return on assets (ROA) | 1.6446% | 778 |
| Pretax return on assets | 1.6446% | 1,269 |
| Return on Equity (ROE) | 13.4126% | 1,181 |
| Retained earnings to average equity (ytd only) | 2.3017% | 4,971 |
| Net charge-offs to loans | 0.1631% | 4,480 |
| Credit loss provision to net charge-offs | 124.3094% | 2,587 |
| Earnings coverage of net charge-offs (x) | 15.5057% | 1,462 |
| Efficiency ratio | 58.4929% | 5,936 |
| Assets per employee ($millions) | 3.0828% | 5,940 |
| Cash dividends to net income (ytd only)* | 82.8393% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 6,025 |
| Loan loss allowance to noncurrent loans | 95.9196% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 5,082 |
| Noncurrent loans to loans | 1.1023% | 4,715 |
| Net loans and leases to total assets | 70.3045% | 2,019 |
| Net loans and leases to deposits | 85.1578% | 1,811 |
| Net loans and leases to core deposits | 88.1997% | 2,462 |
| Total domestic deposits to total assets | 82.5579% | 4,854 |
| Equity capital to assets | 12.4679% | 1,933 |
| Core capital (leverage) ratio | 12.4627% | 1,453 |
| Tier 1 risk-based capital ratio | 17.5190% | 2,436 |
| Total risk-based capital ratio | 18.5758% | 2,479 |
| Memoranda: | ||
| Average total assets | $418,572,750 | 1,563 |
| Average earning assets | $386,943,000 | 1,540 |
| Average equity | $51,323,750 | 1,332 |
| Average total loans | $295,888,750 | 1,452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 2,913 |
| Cost of funding earning assets | 1.2562% | 2,216 |
| Net interest margin | 3.7959% | 3,799 |
| Noninterest income to average assets | 0.7410% | 2,316 |
| Noninterest expense to average assets | 2.5405% | 5,392 |
| Loan and lease loss provision to assets | 0.1434% | 4,512 |
| Net operating income to assets | 1.5647% | 780 |
| Return on assets (ROA) | 1.5647% | 834 |
| Pretax return on assets | 1.5647% | 1,344 |
| Return on Equity (ROE) | 12.8334% | 1,238 |
| Retained earnings to average equity (ytd only) | -1.5017% | 6,156 |
| Net charge-offs to loans | 0.1870% | 4,040 |
| Credit loss provision to net charge-offs | 108.6957% | 2,818 |
| Earnings coverage of net charge-offs (x) | 12.9457% | 1,589 |
| Efficiency ratio | 59.7952% | 5,904 |
| Assets per employee ($millions) | 3.0689% | 5,936 |
| Cash dividends to net income (ytd only)* | 111.7018% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 6,144 |
| Loan loss allowance to noncurrent loans | 139.7645% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 5,498 |
| Noncurrent loans to loans | 0.7512% | 5,406 |
| Net loans and leases to total assets | 69.1727% | 2,379 |
| Net loans and leases to deposits | 83.7390% | 2,148 |
| Net loans and leases to core deposits | 86.4502% | 2,835 |
| Total domestic deposits to total assets | 82.6051% | 4,945 |
| Equity capital to assets | 12.1309% | 2,011 |
| Core capital (leverage) ratio | 12.0543% | 1,571 |
| Tier 1 risk-based capital ratio | 17.4350% | 2,366 |
| Total risk-based capital ratio | 18.4911% | 2,407 |
| Memoranda: | ||
| Average total assets | $418,343,000 | 1,578 |
| Average earning assets | $386,572,000 | 1,554 |
| Average equity | $51,007,330 | 1,317 |
| Average total loans | $295,215,000 | 1,472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 2,966 |
| Cost of funding earning assets | 1.2825% | 2,289 |
| Net interest margin | 3.7459% | 3,862 |
| Noninterest income to average assets | 0.7017% | 2,569 |
| Noninterest expense to average assets | 2.4309% | 5,791 |
| Loan and lease loss provision to assets | 0.1438% | 4,208 |
| Net operating income to assets | 1.5903% | 709 |
| Return on assets (ROA) | 1.5903% | 755 |
| Pretax return on assets | 1.5903% | 1,218 |
| Return on Equity (ROE) | 13.0095% | 1,196 |
| Retained earnings to average equity (ytd only) | -5.9284% | 6,588 |
| Net charge-offs to loans | 0.0852% | 4,099 |
| Credit loss provision to net charge-offs | 238.0952% | 1,296 |
| Earnings coverage of net charge-offs (x) | 28.7143% | 853 |
| Efficiency ratio | 58.3659% | 6,224 |
| Assets per employee ($millions) | 3.1540% | 5,830 |
| Cash dividends to net income (ytd only)* | 145.5696% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 6,158 |
| Loan loss allowance to noncurrent loans | 149.9524% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 5,529 |
| Noncurrent loans to loans | 0.7139% | 5,585 |
| Net loans and leases to total assets | 68.8558% | 2,363 |
| Net loans and leases to deposits | 83.4272% | 2,115 |
| Net loans and leases to core deposits | 86.2868% | 2,832 |
| Total domestic deposits to total assets | 82.5339% | 5,096 |
| Equity capital to assets | 11.9798% | 1,929 |
| Core capital (leverage) ratio | 11.9009% | 1,614 |
| Tier 1 risk-based capital ratio | 17.3583% | 2,352 |
| Total risk-based capital ratio | 18.4393% | 2,384 |
| Memoranda: | ||
| Average total assets | $417,291,500 | 1,596 |
| Average earning assets | $385,811,500 | 1,571 |
| Average equity | $51,009,000 | 1,308 |
| Average total loans | $295,862,500 | 1,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3902% | 2,719 |
| Cost of funding earning assets | 1.5221% | 2,515 |
| Net interest margin | 3.8681% | 3,650 |
| Noninterest income to average assets | 0.7732% | 2,414 |
| Noninterest expense to average assets | 2.5004% | 5,793 |
| Loan and lease loss provision to assets | 0.1468% | 5,720 |
| Net operating income to assets | 1.7066% | 509 |
| Return on assets (ROA) | 1.7066% | 550 |
| Pretax return on assets | 1.7066% | 929 |
| Return on Equity (ROE) | 14.2791% | 834 |
| Retained earnings to average equity (ytd only) | 7.7529% | 1,058 |
| Net charge-offs to loans | 0.1448% | 5,492 |
| Credit loss provision to net charge-offs | 140.8451% | 2,677 |
| Earnings coverage of net charge-offs (x) | 17.7770% | 1,131 |
| Efficiency ratio | 57.4287% | 6,398 |
| Assets per employee ($millions) | 3.0742% | 5,937 |
| Cash dividends to net income (ytd only)* | 45.7049% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 6,240 |
| Loan loss allowance to noncurrent loans | 472.5309% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 6,219 |
| Noncurrent loans to loans | 0.2178% | 6,632 |
| Net loans and leases to total assets | 71.4909% | 2,203 |
| Net loans and leases to deposits | 87.4532% | 1,869 |
| Net loans and leases to core deposits | 90.4110% | 2,710 |
| Total domestic deposits to total assets | 81.7476% | 5,266 |
| Equity capital to assets | 12.4742% | 1,647 |
| Core capital (leverage) ratio | 12.2977% | 1,391 |
| Tier 1 risk-based capital ratio | 17.3827% | 2,211 |
| Total risk-based capital ratio | 18.4198% | 2,246 |
| Memoranda: | ||
| Average total assets | $408,581,200 | 1,617 |
| Average earning assets | $378,221,600 | 1,593 |
| Average equity | $48,833,600 | 1,366 |
| Average total loans | $294,114,400 | 1,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 3,145 |
| Cost of funding earning assets | 1.5668% | 2,570 |
| Net interest margin | 3.7778% | 4,066 |
| Noninterest income to average assets | 0.7632% | 2,431 |
| Noninterest expense to average assets | 2.4198% | 5,973 |
| Loan and lease loss provision to assets | 0.1472% | 5,567 |
| Net operating income to assets | 1.6938% | 628 |
| Return on assets (ROA) | 1.6938% | 682 |
| Pretax return on assets | 1.6938% | 1,125 |
| Return on Equity (ROE) | 14.3302% | 967 |
| Retained earnings to average equity (ytd only) | 5.6519% | 2,566 |
| Net charge-offs to loans | 0.1228% | 5,320 |
| Credit loss provision to net charge-offs | 166.6667% | 2,236 |
| Earnings coverage of net charge-offs (x) | 20.8519% | 1,151 |
| Efficiency ratio | 56.7920% | 6,441 |
| Assets per employee ($millions) | 3.2171% | 5,635 |
| Cash dividends to net income (ytd only)* | 60.5599% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 6,273 |
| Loan loss allowance to noncurrent loans | 206.0443% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 6,070 |
| Noncurrent loans to loans | 0.4994% | 6,200 |
| Net loans and leases to total assets | 71.6631% | 2,325 |
| Net loans and leases to deposits | 87.7870% | 2,038 |
| Net loans and leases to core deposits | 90.5468% | 3,016 |
| Total domestic deposits to total assets | 81.6330% | 5,153 |
| Equity capital to assets | 12.0556% | 2,125 |
| Core capital (leverage) ratio | 12.1256% | 1,601 |
| Tier 1 risk-based capital ratio | 16.7578% | 2,429 |
| Total risk-based capital ratio | 17.7948% | 2,499 |
| Memoranda: | ||
| Average total assets | $407,740,000 | 1,649 |
| Average earning assets | $377,491,000 | 1,617 |
| Average equity | $48,195,250 | 1,398 |
| Average total loans | $293,251,500 | 1,545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 3,707 |
| Cost of funding earning assets | 1.6101% | 2,600 |
| Net interest margin | 3.6418% | 4,625 |
| Noninterest income to average assets | 0.7225% | 2,564 |
| Noninterest expense to average assets | 2.4454% | 5,926 |
| Loan and lease loss provision to assets | 0.1476% | 5,424 |
| Net operating income to assets | 1.5000% | 913 |
| Return on assets (ROA) | 1.5000% | 974 |
| Pretax return on assets | 1.5000% | 1,556 |
| Return on Equity (ROE) | 12.7766% | 1,294 |
| Retained earnings to average equity (ytd only) | 1.7396% | 4,999 |
| Net charge-offs to loans | 0.1331% | 4,878 |
| Credit loss provision to net charge-offs | 154.6392% | 2,543 |
| Earnings coverage of net charge-offs (x) | 17.2577% | 1,358 |
| Efficiency ratio | 59.7451% | 6,089 |
| Assets per employee ($millions) | 3.1598% | 5,765 |
| Cash dividends to net income (ytd only)* | 86.3845% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,357 |
| Loan loss allowance to noncurrent loans | 189.9746% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 6,203 |
| Noncurrent loans to loans | 0.5314% | 6,193 |
| Net loans and leases to total assets | 72.5881% | 2,261 |
| Net loans and leases to deposits | 88.6367% | 2,067 |
| Net loans and leases to core deposits | 91.4724% | 3,063 |
| Total domestic deposits to total assets | 81.8940% | 5,033 |
| Equity capital to assets | 11.8717% | 2,168 |
| Core capital (leverage) ratio | 11.8096% | 1,752 |
| Tier 1 risk-based capital ratio | 16.4975% | 2,470 |
| Total risk-based capital ratio | 17.5275% | 2,514 |
| Memoranda: | ||
| Average total assets | $406,389,330 | 1,670 |
| Average earning assets | $376,131,670 | 1,641 |
| Average equity | $47,712,330 | 1,405 |
| Average total loans | $291,611,670 | 1,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 4,267 |
| Cost of funding earning assets | 1.6494% | 2,654 |
| Net interest margin | 3.5069% | 5,126 |
| Noninterest income to average assets | 0.6383% | 3,013 |
| Noninterest expense to average assets | 2.2653% | 6,497 |
| Loan and lease loss provision to assets | 0.1473% | 5,074 |
| Net operating income to assets | 1.4700% | 944 |
| Return on assets (ROA) | 1.4700% | 1,012 |
| Pretax return on assets | 1.4700% | 1,596 |
| Return on Equity (ROE) | 12.5903% | 1,353 |
| Retained earnings to average equity (ytd only) | -0.6812% | 5,988 |
| Net charge-offs to loans | -0.0789% | 7,471 |
| Credit loss provision to net charge-offs | -263.1579% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3460% | 6,432 |
| Assets per employee ($millions) | 3.2068% | 5,752 |
| Cash dividends to net income (ytd only)* | 105.4108% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 6,158 |
| Loan loss allowance to noncurrent loans | 153.5218% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 6,030 |
| Noncurrent loans to loans | 0.6946% | 5,942 |
| Net loans and leases to total assets | 69.9569% | 2,947 |
| Net loans and leases to deposits | 85.8457% | 2,616 |
| Net loans and leases to core deposits | 88.5295% | 3,562 |
| Total domestic deposits to total assets | 81.4914% | 5,272 |
| Equity capital to assets | 11.5771% | 2,308 |
| Core capital (leverage) ratio | 11.7505% | 1,775 |
| Tier 1 risk-based capital ratio | 16.4927% | 2,455 |
| Total risk-based capital ratio | 17.5684% | 2,482 |
| Memoranda: | ||
| Average total assets | $407,356,000 | 1,708 |
| Average earning assets | $376,858,000 | 1,675 |
| Average equity | $47,560,500 | 1,413 |
| Average total loans | $289,127,000 | 1,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 3,181 |
| Cost of funding earning assets | 2.0038% | 2,947 |
| Net interest margin | 3.6812% | 4,212 |
| Noninterest income to average assets | 0.7972% | 2,416 |
| Noninterest expense to average assets | 2.5340% | 6,013 |
| Loan and lease loss provision to assets | 0.2353% | 5,488 |
| Net operating income to assets | 1.4559% | 742 |
| Return on assets (ROA) | 1.4559% | 807 |
| Pretax return on assets | 1.4559% | 1,299 |
| Return on Equity (ROE) | 12.4312% | 1,067 |
| Retained earnings to average equity (ytd only) | 4.1638% | 2,304 |
| Net charge-offs to loans | 0.3312% | 4,574 |
| Credit loss provision to net charge-offs | 98.2124% | 5,671 |
| Earnings coverage of net charge-offs (x) | 7.0599% | 2,228 |
| Efficiency ratio | 59.9738% | 6,497 |
| Assets per employee ($millions) | 3.1831% | 5,761 |
| Cash dividends to net income (ytd only)* | 66.5052% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,364 |
| Loan loss allowance to noncurrent loans | 232.1543% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 6,210 |
| Noncurrent loans to loans | 0.4319% | 6,404 |
| Net loans and leases to total assets | 70.5317% | 3,120 |
| Net loans and leases to deposits | 86.4342% | 2,837 |
| Net loans and leases to core deposits | 102.8512% | 3,706 |
| Total domestic deposits to total assets | 81.6016% | 5,107 |
| Equity capital to assets | 11.7752% | 2,152 |
| Core capital (leverage) ratio | 11.7132% | 1,807 |
| Tier 1 risk-based capital ratio | 14.4276% | 3,248 |
| Total risk-based capital ratio | 15.3042% | 3,420 |
| Memoranda: | ||
| Average total assets | $397,003,600 | 1,731 |
| Average earning assets | $369,692,400 | 1,706 |
| Average equity | $46,495,800 | 1,453 |
| Average total loans | $287,098,200 | 1,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 3,033 |
| Cost of funding earning assets | 2.0645% | 3,052 |
| Net interest margin | 3.7032% | 4,054 |
| Noninterest income to average assets | 0.8070% | 2,393 |
| Noninterest expense to average assets | 2.4555% | 6,227 |
| Loan and lease loss provision to assets | 0.1518% | 5,832 |
| Net operating income to assets | 1.6565% | 599 |
| Return on assets (ROA) | 1.6565% | 646 |
| Pretax return on assets | 1.6565% | 1,054 |
| Return on Equity (ROE) | 14.1639% | 897 |
| Retained earnings to average equity (ytd only) | 4.2867% | 2,879 |
| Net charge-offs to loans | 0.2412% | 4,545 |
| Credit loss provision to net charge-offs | 86.7052% | 5,574 |
| Earnings coverage of net charge-offs (x) | 10.3276% | 1,973 |
| Efficiency ratio | 57.5882% | 6,775 |
| Assets per employee ($millions) | 3.1822% | 5,691 |
| Cash dividends to net income (ytd only)* | 69.7353% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,376 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,823 |
| Noncurrent loans to loans | 0.7396% | 5,835 |
| Net loans and leases to total assets | 71.0185% | 3,267 |
| Net loans and leases to deposits | 87.9743% | 2,967 |
| Net loans and leases to core deposits | 104.5053% | 3,873 |
| Total domestic deposits to total assets | 80.7264% | 5,185 |
| Equity capital to assets | 11.7594% | 2,390 |
| Core capital (leverage) ratio | 11.7972% | 1,908 |
| Tier 1 risk-based capital ratio | 14.3868% | 3,336 |
| Total risk-based capital ratio | 15.2535% | 3,501 |
| Memoranda: | ||
| Average total assets | $395,192,500 | 1,751 |
| Average earning assets | $368,898,000 | 1,716 |
| Average equity | $46,219,500 | 1,479 |
| Average total loans | $286,870,000 | 1,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9003% | 2,580 |
| Cost of funding earning assets | 2.1132% | 3,209 |
| Net interest margin | 3.7872% | 3,600 |
| Noninterest income to average assets | 0.8086% | 2,370 |
| Noninterest expense to average assets | 2.5067% | 6,099 |
| Loan and lease loss provision to assets | 0.1526% | 5,549 |
| Net operating income to assets | 1.6884% | 577 |
| Return on assets (ROA) | 1.6884% | 635 |
| Pretax return on assets | 1.6884% | 1,037 |
| Return on Equity (ROE) | 14.4634% | 913 |
| Retained earnings to average equity (ytd only) | 2.1608% | 4,146 |
| Net charge-offs to loans | 0.2233% | 4,104 |
| Credit loss provision to net charge-offs | 93.7500% | 4,805 |
| Earnings coverage of net charge-offs (x) | 11.3125% | 1,912 |
| Efficiency ratio | 57.6559% | 6,918 |
| Assets per employee ($millions) | 3.0725% | 5,939 |
| Cash dividends to net income (ytd only)* | 85.0602% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,209 |
| Loan loss allowance to noncurrent loans | 211.0461% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 6,537 |
| Noncurrent loans to loans | 0.4759% | 6,334 |
| Net loans and leases to total assets | 71.7515% | 3,288 |
| Net loans and leases to deposits | 88.2705% | 3,128 |
| Net loans and leases to core deposits | 104.3078% | 4,032 |
| Total domestic deposits to total assets | 81.2859% | 4,965 |
| Equity capital to assets | 11.6464% | 2,429 |
| Core capital (leverage) ratio | 11.6280% | 2,024 |
| Tier 1 risk-based capital ratio | 14.2404% | 3,384 |
| Total risk-based capital ratio | 15.1319% | 3,524 |
| Memoranda: | ||
| Average total assets | $393,269,000 | 1,786 |
| Average earning assets | $367,504,000 | 1,747 |
| Average equity | $45,909,000 | 1,496 |
| Average total loans | $286,628,670 | 1,722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0098% | 2,321 |
| Cost of funding earning assets | 2.1498% | 3,411 |
| Net interest margin | 3.8599% | 3,212 |
| Noninterest income to average assets | 0.8261% | 2,195 |
| Noninterest expense to average assets | 2.3843% | 6,250 |
| Loan and lease loss provision to assets | 0.1532% | 4,969 |
| Net operating income to assets | 1.9003% | 430 |
| Return on assets (ROA) | 1.9003% | 479 |
| Pretax return on assets | 1.9003% | 797 |
| Return on Equity (ROE) | 16.2593% | 783 |
| Retained earnings to average equity (ytd only) | 2.0706% | 4,710 |
| Net charge-offs to loans | 0.1732% | 3,596 |
| Credit loss provision to net charge-offs | 120.9677% | 3,256 |
| Earnings coverage of net charge-offs (x) | 16.2177% | 1,565 |
| Efficiency ratio | 53.7276% | 7,246 |
| Assets per employee ($millions) | 3.0805% | 5,944 |
| Cash dividends to net income (ytd only)* | 87.2649% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,968 |
| Loan loss allowance to noncurrent loans | 164.3859% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 6,150 |
| Noncurrent loans to loans | 0.6251% | 5,837 |
| Net loans and leases to total assets | 71.0446% | 3,456 |
| Net loans and leases to deposits | 87.3546% | 3,410 |
| Net loans and leases to core deposits | 102.5574% | 4,285 |
| Total domestic deposits to total assets | 81.3290% | 4,822 |
| Equity capital to assets | 11.5509% | 2,557 |
| Core capital (leverage) ratio | 11.7378% | 2,026 |
| Tier 1 risk-based capital ratio | 16.2429% | 2,599 |
| Total risk-based capital ratio | 17.2817% | 2,619 |
| Memoranda: | ||
| Average total assets | $391,726,500 | 1,796 |
| Average earning assets | $366,537,500 | 1,761 |
| Average equity | $45,783,000 | 1,508 |
| Average total loans | $286,305,500 | 1,733 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5838% | 2,561 |
| Cost of funding earning assets | 2.6589% | 3,378 |
| Net interest margin | 3.9248% | 3,463 |
| Noninterest income to average assets | 0.7370% | 2,862 |
| Noninterest expense to average assets | 2.4301% | 6,297 |
| Loan and lease loss provision to assets | 0.0919% | 6,222 |
| Net operating income to assets | 1.8593% | 479 |
| Return on assets (ROA) | 1.8596% | 466 |
| Pretax return on assets | 1.8596% | 836 |
| Return on Equity (ROE) | 16.2366% | 737 |
| Retained earnings to average equity (ytd only) | 6.5469% | 1,321 |
| Net charge-offs to loans | 0.1575% | 4,625 |
| Credit loss provision to net charge-offs | 82.3529% | 5,856 |
| Earnings coverage of net charge-offs (x) | 17.4871% | 1,766 |
| Efficiency ratio | 55.4650% | 7,091 |
| Assets per employee ($millions) | 2.9928% | 6,067 |
| Cash dividends to net income (ytd only)* | 59.6781% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 5,930 |
| Loan loss allowance to noncurrent loans | 275.6167% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,485 |
| Noncurrent loans to loans | 0.3668% | 6,268 |
| Net loans and leases to total assets | 73.6798% | 3,192 |
| Net loans and leases to deposits | 90.9657% | 3,294 |
| Net loans and leases to core deposits | 106.5617% | 4,127 |
| Total domestic deposits to total assets | 80.9974% | 4,641 |
| Equity capital to assets | 11.8281% | 2,403 |
| Core capital (leverage) ratio | 11.6935% | 2,130 |
| Tier 1 risk-based capital ratio | 16.0662% | 2,640 |
| Total risk-based capital ratio | 17.0895% | 2,667 |
| Memoranda: | ||
| Average total assets | $380,886,600 | 1,774 |
| Average earning assets | $353,673,600 | 1,748 |
| Average equity | $43,623,600 | 1,547 |
| Average total loans | $269,907,800 | 1,774 |