Home > Greenfield Banking Company > Performance and Condition Ratios
Greenfield Banking Company, 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 | 5.1447% | 1,766 |
| Cost of funding earning assets | 0.9210% | 3,475 |
| Net interest margin | 4.2236% | 900 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.1335% | 3,315 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 1.6933% | 742 |
| Return on assets (ROA) | 1.6917% | 708 |
| Pretax return on assets | 2.1939% | 494 |
| Return on Equity (ROE) | 16.4000% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.7488% | 423 |
| Net charge-offs to loans | 0.2530% | 420 |
| Credit loss provision to net charge-offs | 259.3539% | 1,048 |
| Earnings coverage of net charge-offs (x) | 16.7784% | 1,991 |
| Efficiency ratio | 45.0965% | 4,223 |
| Assets per employee ($millions) | 7.7981% | 1,537 |
| Cash dividends to net income (ytd only)* | 16.1579% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,156 |
| Loan loss allowance to noncurrent loans | 878.9011% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 2,835 |
| Noncurrent loans to loans | 0.1668% | 2,685 |
| Net loans and leases to total assets | 61.5700% | 2,711 |
| Net loans and leases to deposits | 73.0306% | 2,695 |
| Net loans and leases to core deposits | 76.5708% | 2,936 |
| Total domestic deposits to total assets | 84.3000% | 2,538 |
| Equity capital to assets | 10.8723% | 1,542 |
| Core capital (leverage) ratio | 11.1679% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $859,751,200 | 1,122 |
| Average earning assets | $829,714,200 | 1,085 |
| Average equity | $88,691,400 | 1,042 |
| Average total loans | $526,069,400 | 1,187 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 1,883 |
| Cost of funding earning assets | 0.8082% | 3,496 |
| Net interest margin | 4.1666% | 966 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.1354% | 3,249 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 1.7066% | 792 |
| Return on assets (ROA) | 1.7044% | 781 |
| Pretax return on assets | 2.2101% | 551 |
| Return on Equity (ROE) | 16.7500% | 1,121 |
| Retained earnings to average equity (ytd only) | 14.4570% | 619 |
| Net charge-offs to loans | 0.0770% | 944 |
| Credit loss provision to net charge-offs | 698.3389% | 510 |
| Earnings coverage of net charge-offs (x) | 54.2027% | 1,264 |
| Efficiency ratio | 45.6710% | 4,154 |
| Assets per employee ($millions) | 7.6947% | 1,508 |
| Cash dividends to net income (ytd only)* | 13.7024% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,568 |
| Loan loss allowance to noncurrent loans | 257.9392% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,646 |
| Noncurrent loans to loans | 0.5323% | 1,493 |
| Net loans and leases to total assets | 64.2200% | 2,418 |
| Net loans and leases to deposits | 76.1968% | 2,395 |
| Net loans and leases to core deposits | 79.9196% | 2,610 |
| Total domestic deposits to total assets | 84.2800% | 2,691 |
| Equity capital to assets | 10.6246% | 1,505 |
| Core capital (leverage) ratio | 10.9032% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $856,343,250 | 1,127 |
| Average earning assets | $825,666,250 | 1,091 |
| Average equity | $87,125,000 | 1,057 |
| Average total loans | $521,159,500 | 1,192 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 2,011 |
| Cost of funding earning assets | 0.6011% | 3,751 |
| Net interest margin | 4.1907% | 945 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.1032% | 3,336 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.8153% | 637 |
| Return on assets (ROA) | 1.8120% | 643 |
| Pretax return on assets | 2.3526% | 433 |
| Return on Equity (ROE) | 18.0800% | 944 |
| Retained earnings to average equity (ytd only) | 15.7476% | 498 |
| Net charge-offs to loans | 0.0695% | 865 |
| Credit loss provision to net charge-offs | 413.5593% | 720 |
| Earnings coverage of net charge-offs (x) | 61.1977% | 1,189 |
| Efficiency ratio | 45.4170% | 4,194 |
| Assets per employee ($millions) | 7.9793% | 1,330 |
| Cash dividends to net income (ytd only)* | 12.8783% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,825 |
| Loan loss allowance to noncurrent loans | 207.0205% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 1,562 |
| Noncurrent loans to loans | 0.5429% | 1,371 |
| Net loans and leases to total assets | 61.7100% | 2,607 |
| Net loans and leases to deposits | 72.8165% | 2,589 |
| Net loans and leases to core deposits | 75.0683% | 2,826 |
| Total domestic deposits to total assets | 84.7400% | 2,611 |
| Equity capital to assets | 10.2950% | 1,690 |
| Core capital (leverage) ratio | 11.0564% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $857,086,667 | 1,119 |
| Average earning assets | $825,488,333 | 1,084 |
| Average equity | $85,918,000 | 1,059 |
| Average total loans | $509,503,333 | 1,194 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,768 |
| Cost of funding earning assets | 0.5066% | 3,665 |
| Net interest margin | 4.2292% | 902 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.0193% | 3,585 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.9220% | 552 |
| Return on assets (ROA) | 1.9220% | 545 |
| Pretax return on assets | 2.5051% | 356 |
| Return on Equity (ROE) | 19.4400% | 820 |
| Retained earnings to average equity (ytd only) | 17.0710% | 589 |
| Net charge-offs to loans | 0.0339% | 1,042 |
| Credit loss provision to net charge-offs | 592.8571% | 509 |
| Earnings coverage of net charge-offs (x) | 133.3810% | 653 |
| Efficiency ratio | 43.5111% | 4,326 |
| Assets per employee ($millions) | 7.9793% | 1,356 |
| Cash dividends to net income (ytd only)* | 12.1743% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,029 |
| Loan loss allowance to noncurrent loans | 202.8309% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 1,550 |
| Noncurrent loans to loans | 0.5446% | 1,357 |
| Net loans and leases to total assets | 58.9500% | 2,769 |
| Net loans and leases to deposits | 66.0753% | 2,930 |
| Net loans and leases to core deposits | 66.2000% | 3,206 |
| Total domestic deposits to total assets | 89.2200% | 1,461 |
| Equity capital to assets | 10.3167% | 1,662 |
| Core capital (leverage) ratio | 10.2713% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $854,745,500 | 1,134 |
| Average earning assets | $821,235,000 | 1,098 |
| Average equity | $84,517,500 | 1,083 |
| Average total loans | $495,345,000 | 1,237 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 3,319 |
| Cost of funding earning assets | 0.1276% | 4,241 |
| Net interest margin | 3.2820% | 2,618 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 1.8302% | 3,970 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3660% | 1,223 |
| Return on assets (ROA) | 1.3660% | 1,183 |
| Pretax return on assets | 1.7929% | 749 |
| Return on Equity (ROE) | 15.2400% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.1663% | 637 |
| Net charge-offs to loans | 0.0034% | 2,342 |
| Credit loss provision to net charge-offs | 8,786.6667% | 84 |
| Earnings coverage of net charge-offs (x) | 1,108.3333% | 162 |
| Efficiency ratio | 48.4496% | 4,217 |
| Assets per employee ($millions) | 8.1464% | 1,254 |
| Cash dividends to net income (ytd only)* | 20.1509% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 1,980 |
| Loan loss allowance to noncurrent loans | 448.9316% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,410 |
| Noncurrent loans to loans | 0.2858% | 2,123 |
| Net loans and leases to total assets | 55.6400% | 3,069 |
| Net loans and leases to deposits | 61.7207% | 3,222 |
| Net loans and leases to core deposits | 61.8556% | 3,399 |
| Total domestic deposits to total assets | 90.1400% | 1,300 |
| Equity capital to assets | 9.4760% | 2,027 |
| Core capital (leverage) ratio | 9.6287% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8812% | 1,393 |
| Memoranda: | ||
| Average total assets | $853,736,600 | 1,128 |
| Average earning assets | $819,583,000 | 1,085 |
| Average equity | $76,539,600 | 1,169 |
| Average total loans | $437,156,600 | 1,299 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0375% | 3,818 |
| Cost of funding earning assets | 0.0595% | 4,533 |
| Net interest margin | 2.9780% | 3,278 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 1.8513% | 3,869 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1337% | 1,959 |
| Return on assets (ROA) | 1.1337% | 1,928 |
| Pretax return on assets | 1.4915% | 1,434 |
| Return on Equity (ROE) | 12.8300% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.5895% | 1,459 |
| Net charge-offs to loans | -0.0054% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.2226% | 3,892 |
| Assets per employee ($millions) | 8.4940% | 1,068 |
| Cash dividends to net income (ytd only)* | 25.2735% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,432 |
| Loan loss allowance to noncurrent loans | 431.1584% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 2,516 |
| Noncurrent loans to loans | 0.2826% | 2,241 |
| Net loans and leases to total assets | 55.0300% | 3,000 |
| Net loans and leases to deposits | 60.6196% | 3,143 |
| Net loans and leases to core deposits | 60.7518% | 3,329 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 8.9026% | 2,282 |
| Core capital (leverage) ratio | 9.3710% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5734% | 1,542 |
| Memoranda: | ||
| Average total assets | $849,253,500 | 1,143 |
| Average earning assets | $816,093,000 | 1,099 |
| Average equity | $75,024,750 | 1,201 |
| Average total loans | $423,627,500 | 1,322 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6311% | 4,242 |
| Cost of funding earning assets | 0.0370% | 4,666 |
| Net interest margin | 2.5941% | 3,925 |
| Noninterest income to average assets | 0.6238% | 1,640 |
| Noninterest expense to average assets | 1.8550% | 3,822 |
| Loan and lease loss provision to assets | 0.0614% | 1,494 |
| Net operating income to assets | 0.9133% | 2,527 |
| Return on assets (ROA) | 0.9133% | 2,496 |
| Pretax return on assets | 1.2004% | 2,076 |
| Return on Equity (ROE) | 10.3656% | 2,198 |
| Retained earnings to average equity (ytd only) | 7.6746% | 1,738 |
| Net charge-offs to loans | -0.0089% | 3,548 |
| Credit loss provision to net charge-offs | -1,438.8889% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5162% | 3,363 |
| Assets per employee ($millions) | 8.3955% | 1,112 |
| Cash dividends to net income (ytd only)* | 25.9605% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,645 |
| Loan loss allowance to noncurrent loans | 383.0189% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,568 |
| Noncurrent loans to loans | 0.3154% | 2,214 |
| Net loans and leases to total assets | 50.9068% | 3,280 |
| Net loans and leases to deposits | 56.0217% | 3,374 |
| Net loans and leases to core deposits | 56.1463% | 3,557 |
| Total domestic deposits to total assets | 90.8698% | 1,294 |
| Equity capital to assets | 8.8713% | 2,477 |
| Core capital (leverage) ratio | 9.2102% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7412% | 1,241 |
| Memoranda: | ||
| Average total assets | $843,540,667 | 1,144 |
| Average earning assets | $810,676,000 | 1,107 |
| Average equity | $74,322,667 | 1,235 |
| Average total loans | $403,954,333 | 1,360 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3766% | 4,396 |
| Cost of funding earning assets | 0.0366% | 4,683 |
| Net interest margin | 2.3401% | 4,170 |
| Noninterest income to average assets | 0.6271% | 1,575 |
| Noninterest expense to average assets | 1.8494% | 3,813 |
| Loan and lease loss provision to assets | 0.0499% | 1,477 |
| Net operating income to assets | 0.7445% | 2,875 |
| Return on assets (ROA) | 0.7445% | 2,870 |
| Pretax return on assets | 0.9775% | 2,511 |
| Return on Equity (ROE) | 8.4795% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.7721% | 2,324 |
| Net charge-offs to loans | -0.0248% | 4,001 |
| Credit loss provision to net charge-offs | -437.5000% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2869% | 2,990 |
| Assets per employee ($millions) | 7.8791% | 1,451 |
| Cash dividends to net income (ytd only)* | 31.9285% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,234 |
| Loan loss allowance to noncurrent loans | 361.1972% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 2,608 |
| Noncurrent loans to loans | 0.3672% | 2,170 |
| Net loans and leases to total assets | 45.2608% | 3,636 |
| Net loans and leases to deposits | 49.8216% | 3,745 |
| Net loans and leases to core deposits | 49.9329% | 3,878 |
| Total domestic deposits to total assets | 90.8458% | 1,110 |
| Equity capital to assets | 8.7974% | 2,878 |
| Core capital (leverage) ratio | 9.1036% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0674% | 1,028 |
| Memoranda: | ||
| Average total assets | $841,338,500 | 1,145 |
| Average earning assets | $808,870,500 | 1,116 |
| Average equity | $73,872,000 | 1,274 |
| Average total loans | $387,461,500 | 1,405 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6386% | 4,375 |
| Cost of funding earning assets | 0.0413% | 4,721 |
| Net interest margin | 2.5973% | 4,052 |
| Noninterest income to average assets | 0.7892% | 1,473 |
| Noninterest expense to average assets | 1.9883% | 3,710 |
| Loan and lease loss provision to assets | 0.0086% | 2,907 |
| Net operating income to assets | 0.9797% | 2,753 |
| Return on assets (ROA) | 0.9822% | 2,815 |
| Pretax return on assets | 1.2890% | 2,392 |
| Return on Equity (ROE) | 11.2580% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.3448% | 1,407 |
| Net charge-offs to loans | -0.0147% | 3,865 |
| Credit loss provision to net charge-offs | -121.4286% | 3,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5683% | 3,069 |
| Assets per employee ($millions) | 7.8469% | 1,421 |
| Cash dividends to net income (ytd only)* | 25.8766% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,418 |
| Loan loss allowance to noncurrent loans | 345.6116% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 2,729 |
| Noncurrent loans to loans | 0.3727% | 2,250 |
| Net loans and leases to total assets | 45.6419% | 3,718 |
| Net loans and leases to deposits | 50.2171% | 3,862 |
| Net loans and leases to core deposits | 50.3577% | 3,999 |
| Total domestic deposits to total assets | 90.8891% | 533 |
| Equity capital to assets | 8.7631% | 3,834 |
| Core capital (leverage) ratio | 8.9106% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3313% | 985 |
| Memoranda: | ||
| Average total assets | $786,917,400 | 1,180 |
| Average earning assets | $755,466,600 | 1,144 |
| Average equity | $68,653,600 | 1,373 |
| Average total loans | $381,986,800 | 1,424 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6819% | 4,425 |
| Cost of funding earning assets | 0.0426% | 4,807 |
| Net interest margin | 2.6393% | 4,073 |
| Noninterest income to average assets | 0.7799% | 1,587 |
| Noninterest expense to average assets | 2.0699% | 3,452 |
| Loan and lease loss provision to assets | 0.0455% | 2,086 |
| Net operating income to assets | 0.9157% | 3,197 |
| Return on assets (ROA) | 0.9157% | 3,265 |
| Pretax return on assets | 1.1971% | 2,940 |
| Return on Equity (ROE) | 10.5085% | 2,553 |
| Retained earnings to average equity (ytd only) | 7.5917% | 2,182 |
| Net charge-offs to loans | -0.0193% | 3,948 |
| Credit loss provision to net charge-offs | -480.0000% | 3,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4876% | 2,614 |
| Assets per employee ($millions) | 7.4577% | 1,593 |
| Cash dividends to net income (ytd only)* | 27.7569% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,633 |
| Loan loss allowance to noncurrent loans | 349.3611% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,901 |
| Noncurrent loans to loans | 0.3634% | 2,481 |
| Net loans and leases to total assets | 49.2400% | 3,498 |
| Net loans and leases to deposits | 54.2008% | 3,724 |
| Net loans and leases to core deposits | 54.4543% | 3,885 |
| Total domestic deposits to total assets | 90.8474% | 420 |
| Equity capital to assets | 8.4040% | 4,270 |
| Core capital (leverage) ratio | 8.9346% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5046% | 1,248 |
| Memoranda: | ||
| Average total assets | $773,743,250 | 1,204 |
| Average earning assets | $742,449,250 | 1,171 |
| Average equity | $67,423,000 | 1,401 |
| Average total loans | $380,429,250 | 1,458 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7120% | 4,444 |
| Cost of funding earning assets | 0.0432% | 4,844 |
| Net interest margin | 2.6688% | 4,041 |
| Noninterest income to average assets | 0.7847% | 1,576 |
| Noninterest expense to average assets | 2.0960% | 3,405 |
| Loan and lease loss provision to assets | 0.0683% | 1,685 |
| Net operating income to assets | 0.9040% | 3,207 |
| Return on assets (ROA) | 0.9040% | 3,285 |
| Pretax return on assets | 1.1802% | 2,967 |
| Return on Equity (ROE) | 10.2426% | 2,664 |
| Retained earnings to average equity (ytd only) | 7.4032% | 2,288 |
| Net charge-offs to loans | -0.0124% | 3,762 |
| Credit loss provision to net charge-offs | -1,126.0870% | 3,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6706% | 2,634 |
| Assets per employee ($millions) | 6.8741% | 1,892 |
| Cash dividends to net income (ytd only)* | 27.7210% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,815 |
| Loan loss allowance to noncurrent loans | 337.5000% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 2,998 |
| Noncurrent loans to loans | 0.4262% | 2,404 |
| Net loans and leases to total assets | 44.3193% | 4,025 |
| Net loans and leases to deposits | 48.8529% | 4,170 |
| Net loans and leases to core deposits | 49.1087% | 4,277 |
| Total domestic deposits to total assets | 90.7198% | 474 |
| Equity capital to assets | 8.4822% | 4,218 |
| Core capital (leverage) ratio | 9.1587% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0576% | 1,103 |
| Memoranda: | ||
| Average total assets | $758,208,000 | 1,224 |
| Average earning assets | $727,219,333 | 1,186 |
| Average equity | $66,916,667 | 1,405 |
| Average total loans | $370,860,667 | 1,483 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 4,383 |
| Cost of funding earning assets | 0.0441% | 4,884 |
| Net interest margin | 2.7496% | 3,869 |
| Noninterest income to average assets | 0.8080% | 1,562 |
| Noninterest expense to average assets | 2.1689% | 3,205 |
| Loan and lease loss provision to assets | 0.0839% | 1,554 |
| Net operating income to assets | 0.9104% | 3,106 |
| Return on assets (ROA) | 0.9104% | 3,180 |
| Pretax return on assets | 1.1898% | 2,873 |
| Return on Equity (ROE) | 10.1027% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.9475% | 2,593 |
| Net charge-offs to loans | -0.0127% | 3,778 |
| Credit loss provision to net charge-offs | -1,291.6667% | 3,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0014% | 2,606 |
| Assets per employee ($millions) | 6.7142% | 1,987 |
| Cash dividends to net income (ytd only)* | 31.2314% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,341 |
| Loan loss allowance to noncurrent loans | 321.5561% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 2,220 |
| Noncurrent loans to loans | 0.4108% | 2,632 |
| Net loans and leases to total assets | 49.6418% | 3,662 |
| Net loans and leases to deposits | 54.9239% | 3,874 |
| Net loans and leases to core deposits | 55.2270% | 4,029 |
| Total domestic deposits to total assets | 90.3829% | 626 |
| Equity capital to assets | 8.7570% | 3,906 |
| Core capital (leverage) ratio | 9.5409% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $738,613,000 | 1,235 |
| Average earning assets | $707,734,000 | 1,197 |
| Average equity | $66,556,500 | 1,402 |
| Average total loans | $377,012,000 | 1,471 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1849% | 4,469 |
| Cost of funding earning assets | 0.0914% | 4,880 |
| Net interest margin | 3.0934% | 3,646 |
| Noninterest income to average assets | 0.8562% | 1,381 |
| Noninterest expense to average assets | 2.3697% | 3,210 |
| Loan and lease loss provision to assets | 0.2141% | 1,836 |
| Net operating income to assets | 0.9526% | 2,471 |
| Return on assets (ROA) | 0.9674% | 2,556 |
| Pretax return on assets | 1.2486% | 2,167 |
| Return on Equity (ROE) | 10.0599% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.0260% | 1,046 |
| Net charge-offs to loans | 0.1308% | 1,211 |
| Credit loss provision to net charge-offs | 319.7753% | 1,669 |
| Earnings coverage of net charge-offs (x) | 21.5663% | 1,890 |
| Efficiency ratio | 62.1375% | 3,102 |
| Assets per employee ($millions) | 5.9382% | 2,395 |
| Cash dividends to net income (ytd only)* | 20.2177% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,365 |
| Loan loss allowance to noncurrent loans | 306.6667% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 2,317 |
| Noncurrent loans to loans | 0.4270% | 2,699 |
| Net loans and leases to total assets | 51.1428% | 3,739 |
| Net loans and leases to deposits | 56.7947% | 3,954 |
| Net loans and leases to core deposits | 57.1178% | 4,089 |
| Total domestic deposits to total assets | 90.0485% | 546 |
| Equity capital to assets | 9.2792% | 3,811 |
| Core capital (leverage) ratio | 9.7380% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $664,643,600 | 1,229 |
| Average earning assets | $635,410,400 | 1,203 |
| Average equity | $63,917,400 | 1,384 |
| Average total loans | $340,118,000 | 1,538 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3216% | 4,446 |
| Cost of funding earning assets | 0.1080% | 4,909 |
| Net interest margin | 3.2136% | 3,453 |
| Noninterest income to average assets | 0.7951% | 1,516 |
| Noninterest expense to average assets | 2.4052% | 3,117 |
| Loan and lease loss provision to assets | 0.3417% | 1,120 |
| Net operating income to assets | 0.8729% | 2,802 |
| Return on assets (ROA) | 0.8909% | 2,858 |
| Pretax return on assets | 1.1419% | 2,591 |
| Return on Equity (ROE) | 9.1750% | 2,328 |
| Retained earnings to average equity (ytd only) | 7.4880% | 1,499 |
| Net charge-offs to loans | 0.1654% | 890 |
| Credit loss provision to net charge-offs | 405.0971% | 1,451 |
| Earnings coverage of net charge-offs (x) | 17.3180% | 2,024 |
| Efficiency ratio | 62.2127% | 3,035 |
| Assets per employee ($millions) | 5.6273% | 2,601 |
| Cash dividends to net income (ytd only)* | 18.3866% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,643 |
| Loan loss allowance to noncurrent loans | 142.2069% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 2,119 |
| Noncurrent loans to loans | 1.0000% | 1,494 |
| Net loans and leases to total assets | 52.0505% | 3,962 |
| Net loans and leases to deposits | 57.9172% | 4,167 |
| Net loans and leases to core deposits | 58.2623% | 4,290 |
| Total domestic deposits to total assets | 89.8706% | 472 |
| Equity capital to assets | 9.5013% | 3,684 |
| Core capital (leverage) ratio | 9.9190% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $651,175,000 | 1,233 |
| Average earning assets | $622,299,000 | 1,210 |
| Average equity | $63,228,500 | 1,381 |
| Average total loans | $332,061,000 | 1,569 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,298 |
| Cost of funding earning assets | 0.1393% | 4,907 |
| Net interest margin | 3.4389% | 2,976 |
| Noninterest income to average assets | 0.7842% | 1,480 |
| Noninterest expense to average assets | 2.4423% | 3,134 |
| Loan and lease loss provision to assets | 0.4955% | 732 |
| Net operating income to assets | 0.8806% | 2,769 |
| Return on assets (ROA) | 0.9081% | 2,780 |
| Pretax return on assets | 1.1627% | 2,482 |
| Return on Equity (ROE) | 9.2804% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.2804% | 940 |
| Net charge-offs to loans | 0.2553% | 616 |
| Credit loss provision to net charge-offs | 385.4015% | 1,435 |
| Earnings coverage of net charge-offs (x) | 12.6277% | 2,041 |
| Efficiency ratio | 60.0708% | 3,405 |
| Assets per employee ($millions) | 5.5904% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 1,393 |
| Loan loss allowance to noncurrent loans | 141.0848% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,234 |
| Noncurrent loans to loans | 1.0304% | 1,509 |
| Net loans and leases to total assets | 50.8289% | 4,107 |
| Net loans and leases to deposits | 56.7032% | 4,270 |
| Net loans and leases to core deposits | 56.9695% | 4,402 |
| Total domestic deposits to total assets | 89.6402% | 512 |
| Equity capital to assets | 9.5180% | 3,648 |
| Core capital (leverage) ratio | 10.0626% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,391,000 | 1,232 |
| Average earning assets | $610,139,333 | 1,205 |
| Average equity | $62,561,667 | 1,385 |
| Average total loans | $321,916,000 | 1,585 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 4,620 |
| Cost of funding earning assets | 0.2301% | 4,823 |
| Net interest margin | 3.2820% | 3,638 |
| Noninterest income to average assets | 0.7551% | 1,451 |
| Noninterest expense to average assets | 2.4836% | 3,326 |
| Loan and lease loss provision to assets | 0.3092% | 1,006 |
| Net operating income to assets | 0.8487% | 2,717 |
| Return on assets (ROA) | 0.9052% | 2,614 |
| Pretax return on assets | 1.1584% | 2,339 |
| Return on Equity (ROE) | 9.1159% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.1159% | 943 |
| Net charge-offs to loans | 0.0052% | 2,391 |
| Credit loss provision to net charge-offs | 12,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 541.7500% | 112 |
| Efficiency ratio | 64.0153% | 3,231 |
| Assets per employee ($millions) | 5.0570% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,726 |
| Loan loss allowance to noncurrent loans | 70.8205% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 1,321 |
| Noncurrent loans to loans | 1.9665% | 737 |
| Net loans and leases to total assets | 49.8105% | 4,251 |
| Net loans and leases to deposits | 55.9301% | 4,370 |
| Net loans and leases to core deposits | 56.2486% | 4,484 |
| Total domestic deposits to total assets | 89.0585% | 634 |
| Equity capital to assets | 10.0898% | 3,696 |
| Core capital (leverage) ratio | 10.5913% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5709% | 1,219 |
| Memoranda: | ||
| Average total assets | $620,865,500 | 1,230 |
| Average earning assets | $591,103,000 | 1,202 |
| Average equity | $61,650,500 | 1,391 |
| Average total loans | $308,424,000 | 1,604 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,417 |
| Cost of funding earning assets | 0.2510% | 4,851 |
| Net interest margin | 3.6602% | 2,926 |
| Noninterest income to average assets | 0.9182% | 1,147 |
| Noninterest expense to average assets | 2.5671% | 3,269 |
| Loan and lease loss provision to assets | 0.0889% | 2,243 |
| Net operating income to assets | 1.3210% | 1,610 |
| Return on assets (ROA) | 1.3396% | 1,620 |
| Pretax return on assets | 1.7459% | 1,075 |
| Return on Equity (ROE) | 13.3608% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.7592% | 1,060 |
| Net charge-offs to loans | 0.0842% | 1,911 |
| Credit loss provision to net charge-offs | 211.1111% | 1,260 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,247 |
| Efficiency ratio | 58.6309% | 3,892 |
| Assets per employee ($millions) | 4.9577% | 2,653 |
| Cash dividends to net income (ytd only)* | 41.9255% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 1,979 |
| Loan loss allowance to noncurrent loans | 79.1836% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 1,621 |
| Noncurrent loans to loans | 1.6270% | 860 |
| Net loans and leases to total assets | 48.2066% | 4,417 |
| Net loans and leases to deposits | 53.9449% | 4,533 |
| Net loans and leases to core deposits | 54.2593% | 4,640 |
| Total domestic deposits to total assets | 89.3627% | 542 |
| Equity capital to assets | 9.7692% | 4,134 |
| Core capital (leverage) ratio | 10.8007% | 2,677 |
| Tier 1 risk-based capital ratio | 16.4272% | 2,246 |
| Total risk-based capital ratio | 17.4314% | 2,287 |
| Memoranda: | ||
| Average total assets | $576,885,000 | 1,264 |
| Average earning assets | $545,356,800 | 1,246 |
| Average equity | $57,840,800 | 1,403 |
| Average total loans | $288,732,200 | 1,652 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 4,378 |
| Cost of funding earning assets | 0.2580% | 4,906 |
| Net interest margin | 3.7341% | 2,809 |
| Noninterest income to average assets | 0.8579% | 1,245 |
| Noninterest expense to average assets | 2.6125% | 3,135 |
| Loan and lease loss provision to assets | 0.1729% | 1,066 |
| Net operating income to assets | 1.2349% | 2,082 |
| Return on assets (ROA) | 1.2526% | 2,090 |
| Pretax return on assets | 1.6197% | 1,564 |
| Return on Equity (ROE) | 12.4057% | 1,477 |
| Retained earnings to average equity (ytd only) | 6.3883% | 2,175 |
| Net charge-offs to loans | 0.1047% | 1,425 |
| Credit loss provision to net charge-offs | 327.6786% | 904 |
| Earnings coverage of net charge-offs (x) | 33.5580% | 1,526 |
| Efficiency ratio | 59.6099% | 3,707 |
| Assets per employee ($millions) | 4.7307% | 2,872 |
| Cash dividends to net income (ytd only)* | 48.5053% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,763 |
| Loan loss allowance to noncurrent loans | 210.3659% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 2,406 |
| Noncurrent loans to loans | 0.6425% | 2,355 |
| Net loans and leases to total assets | 52.3535% | 4,297 |
| Net loans and leases to deposits | 58.8238% | 4,438 |
| Net loans and leases to core deposits | 59.1931% | 4,562 |
| Total domestic deposits to total assets | 89.0005% | 610 |
| Equity capital to assets | 10.3087% | 3,711 |
| Core capital (leverage) ratio | 10.9701% | 2,673 |
| Tier 1 risk-based capital ratio | 16.0194% | 2,417 |
| Total risk-based capital ratio | 17.0885% | 2,434 |
| Memoranda: | ||
| Average total assets | $566,177,750 | 1,284 |
| Average earning assets | $534,454,750 | 1,269 |
| Average equity | $57,165,750 | 1,417 |
| Average total loans | $285,254,750 | 1,678 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 4,438 |
| Cost of funding earning assets | 0.2534% | 4,950 |
| Net interest margin | 3.7158% | 2,884 |
| Noninterest income to average assets | 0.8988% | 1,075 |
| Noninterest expense to average assets | 2.6125% | 3,169 |
| Loan and lease loss provision to assets | 0.1739% | 1,041 |
| Net operating income to assets | 1.2528% | 1,947 |
| Return on assets (ROA) | 1.2657% | 1,956 |
| Pretax return on assets | 1.6330% | 1,448 |
| Return on Equity (ROE) | 12.6266% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.9517% | 1,829 |
| Net charge-offs to loans | 0.0855% | 1,510 |
| Credit loss provision to net charge-offs | 410.9244% | 699 |
| Earnings coverage of net charge-offs (x) | 42.3193% | 1,207 |
| Efficiency ratio | 59.3346% | 3,823 |
| Assets per employee ($millions) | 4.6115% | 2,990 |
| Cash dividends to net income (ytd only)* | 44.9438% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 1,760 |
| Loan loss allowance to noncurrent loans | 158.4786% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 2,413 |
| Noncurrent loans to loans | 0.8613% | 1,883 |
| Net loans and leases to total assets | 51.8038% | 4,364 |
| Net loans and leases to deposits | 58.3446% | 4,501 |
| Net loans and leases to core deposits | 58.7257% | 4,617 |
| Total domestic deposits to total assets | 88.7894% | 750 |
| Equity capital to assets | 10.4916% | 3,522 |
| Core capital (leverage) ratio | 11.2990% | 2,333 |
| Tier 1 risk-based capital ratio | 16.8077% | 2,139 |
| Total risk-based capital ratio | 17.9053% | 2,139 |
| Memoranda: | ||
| Average total assets | $562,521,670 | 1,292 |
| Average earning assets | $530,486,330 | 1,273 |
| Average equity | $56,389,000 | 1,423 |
| Average total loans | $278,241,000 | 1,719 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 4,549 |
| Cost of funding earning assets | 0.2629% | 4,946 |
| Net interest margin | 3.6382% | 3,112 |
| Noninterest income to average assets | 0.9412% | 942 |
| Noninterest expense to average assets | 2.6233% | 3,148 |
| Loan and lease loss provision to assets | 0.1310% | 1,330 |
| Net operating income to assets | 1.2540% | 1,872 |
| Return on assets (ROA) | 1.2798% | 1,817 |
| Pretax return on assets | 1.6502% | 1,343 |
| Return on Equity (ROE) | 13.0676% | 1,194 |
| Retained earnings to average equity (ytd only) | 5.1128% | 2,855 |
| Net charge-offs to loans | 0.1314% | 950 |
| Credit loss provision to net charge-offs | 207.8652% | 1,028 |
| Earnings coverage of net charge-offs (x) | 27.7416% | 1,374 |
| Efficiency ratio | 60.0032% | 3,801 |
| Assets per employee ($millions) | 4.6661% | 2,962 |
| Cash dividends to net income (ytd only)* | 60.8744% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 1,827 |
| Loan loss allowance to noncurrent loans | 110.8993% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 2,037 |
| Noncurrent loans to loans | 1.2265% | 1,341 |
| Net loans and leases to total assets | 48.6371% | 4,548 |
| Net loans and leases to deposits | 54.6771% | 4,655 |
| Net loans and leases to core deposits | 55.1393% | 4,747 |
| Total domestic deposits to total assets | 88.9533% | 877 |
| Equity capital to assets | 10.1109% | 3,712 |
| Core capital (leverage) ratio | 10.8101% | 2,755 |
| Tier 1 risk-based capital ratio | 17.8838% | 1,822 |
| Total risk-based capital ratio | 18.9938% | 1,827 |
| Memoranda: | ||
| Average total assets | $564,788,500 | 1,290 |
| Average earning assets | $532,565,500 | 1,271 |
| Average equity | $55,312,500 | 1,442 |
| Average total loans | $270,832,000 | 1,757 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,723 |
| Cost of funding earning assets | 0.1804% | 5,072 |
| Net interest margin | 3.4810% | 3,768 |
| Noninterest income to average assets | 0.9748% | 996 |
| Noninterest expense to average assets | 2.4710% | 3,693 |
| Loan and lease loss provision to assets | 0.1049% | 2,095 |
| Net operating income to assets | 1.3285% | 1,687 |
| Return on assets (ROA) | 1.3571% | 1,578 |
| Pretax return on assets | 1.7223% | 1,109 |
| Return on Equity (ROE) | 14.4974% | 940 |
| Retained earnings to average equity (ytd only) | 10.8624% | 465 |
| Net charge-offs to loans | 0.0980% | 1,785 |
| Credit loss provision to net charge-offs | 236.4754% | 1,252 |
| Earnings coverage of net charge-offs (x) | 40.3811% | 1,294 |
| Efficiency ratio | 57.9776% | 4,166 |
| Assets per employee ($millions) | 4.7075% | 2,867 |
| Cash dividends to net income (ytd only)* | 25.0737% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 1,810 |
| Loan loss allowance to noncurrent loans | 105.2494% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 2,024 |
| Noncurrent loans to loans | 1.2872% | 1,232 |
| Net loans and leases to total assets | 46.0109% | 4,737 |
| Net loans and leases to deposits | 51.2883% | 4,843 |
| Net loans and leases to core deposits | 51.6721% | 4,905 |
| Total domestic deposits to total assets | 89.7104% | 571 |
| Equity capital to assets | 9.4866% | 4,144 |
| Core capital (leverage) ratio | 10.7205% | 2,818 |
| Tier 1 risk-based capital ratio | 16.8960% | 2,103 |
| Total risk-based capital ratio | 17.9300% | 2,125 |
| Memoranda: | ||
| Average total assets | $550,149,800 | 1,290 |
| Average earning assets | $519,501,400 | 1,267 |
| Average equity | $51,498,800 | 1,473 |
| Average total loans | $248,912,800 | 1,828 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 4,755 |
| Cost of funding earning assets | 0.1621% | 5,179 |
| Net interest margin | 3.4669% | 3,812 |
| Noninterest income to average assets | 0.9853% | 985 |
| Noninterest expense to average assets | 2.5749% | 3,363 |
| Loan and lease loss provision to assets | 0.1509% | 1,305 |
| Net operating income to assets | 1.2239% | 2,145 |
| Return on assets (ROA) | 1.2630% | 1,996 |
| Pretax return on assets | 1.5827% | 1,628 |
| Return on Equity (ROE) | 13.5398% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.9355% | 945 |
| Net charge-offs to loans | 0.1332% | 1,210 |
| Credit loss provision to net charge-offs | 252.4590% | 1,168 |
| Earnings coverage of net charge-offs (x) | 28.1799% | 1,676 |
| Efficiency ratio | 60.4464% | 3,748 |
| Assets per employee ($millions) | 4.4807% | 3,152 |
| Cash dividends to net income (ytd only)* | 26.6201% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,679 |
| Loan loss allowance to noncurrent loans | 102.6308% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 2,007 |
| Noncurrent loans to loans | 1.3685% | 1,217 |
| Net loans and leases to total assets | 47.0911% | 4,749 |
| Net loans and leases to deposits | 52.5156% | 4,871 |
| Net loans and leases to core deposits | 52.9267% | 4,938 |
| Total domestic deposits to total assets | 89.6708% | 611 |
| Equity capital to assets | 9.4932% | 4,084 |
| Core capital (leverage) ratio | 10.3895% | 3,195 |
| Tier 1 risk-based capital ratio | 16.5735% | 2,253 |
| Total risk-based capital ratio | 17.6421% | 2,247 |
| Memoranda: | ||
| Average total assets | $544,108,250 | 1,304 |
| Average earning assets | $513,913,500 | 1,283 |
| Average equity | $50,752,750 | 1,495 |
| Average total loans | $244,171,750 | 1,864 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 4,895 |
| Cost of funding earning assets | 0.1220% | 5,337 |
| Net interest margin | 3.3984% | 3,958 |
| Noninterest income to average assets | 0.9859% | 986 |
| Noninterest expense to average assets | 2.5774% | 3,389 |
| Loan and lease loss provision to assets | 0.1071% | 1,830 |
| Net operating income to assets | 1.2112% | 2,151 |
| Return on assets (ROA) | 1.2171% | 2,112 |
| Pretax return on assets | 1.5193% | 1,748 |
| Return on Equity (ROE) | 13.1263% | 1,329 |
| Retained earnings to average equity (ytd only) | 9.5052% | 1,071 |
| Net charge-offs to loans | 0.1853% | 849 |
| Credit loss provision to net charge-offs | 131.6742% | 1,708 |
| Earnings coverage of net charge-offs (x) | 19.9005% | 1,835 |
| Efficiency ratio | 61.4177% | 3,710 |
| Assets per employee ($millions) | 4.5663% | 3,021 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,973 |
| Loan loss allowance to noncurrent loans | 90.4110% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 1,966 |
| Noncurrent loans to loans | 1.4868% | 1,132 |
| Net loans and leases to total assets | 44.7107% | 4,876 |
| Net loans and leases to deposits | 49.7353% | 4,990 |
| Net loans and leases to core deposits | 50.1189% | 5,040 |
| Total domestic deposits to total assets | 89.8973% | 608 |
| Equity capital to assets | 9.2334% | 4,351 |
| Core capital (leverage) ratio | 10.2666% | 3,270 |
| Tier 1 risk-based capital ratio | 16.4550% | 2,271 |
| Total risk-based capital ratio | 17.4534% | 2,311 |
| Memoranda: | ||
| Average total assets | $543,263,670 | 1,307 |
| Average earning assets | $513,235,000 | 1,286 |
| Average equity | $50,372,330 | 1,511 |
| Average total loans | $238,533,330 | 1,899 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,875 |
| Cost of funding earning assets | 0.1061% | 5,448 |
| Net interest margin | 3.3926% | 3,906 |
| Noninterest income to average assets | 0.9476% | 1,028 |
| Noninterest expense to average assets | 2.6215% | 3,271 |
| Loan and lease loss provision to assets | 0.1025% | 1,815 |
| Net operating income to assets | 1.1488% | 2,225 |
| Return on assets (ROA) | 1.1607% | 2,186 |
| Pretax return on assets | 1.4437% | 1,853 |
| Return on Equity (ROE) | 12.4915% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.8711% | 1,510 |
| Net charge-offs to loans | 0.2408% | 634 |
| Credit loss provision to net charge-offs | 98.5714% | 1,611 |
| Earnings coverage of net charge-offs (x) | 14.7286% | 1,696 |
| Efficiency ratio | 63.1259% | 3,613 |
| Assets per employee ($millions) | 4.6873% | 2,874 |
| Cash dividends to net income (ytd only)* | 28.9827% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,788 |
| Loan loss allowance to noncurrent loans | 87.4867% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 2,057 |
| Noncurrent loans to loans | 1.6148% | 1,077 |
| Net loans and leases to total assets | 41.1998% | 5,017 |
| Net loans and leases to deposits | 45.7207% | 5,105 |
| Net loans and leases to core deposits | 46.0709% | 5,160 |
| Total domestic deposits to total assets | 90.1119% | 616 |
| Equity capital to assets | 8.9557% | 4,606 |
| Core capital (leverage) ratio | 9.8776% | 3,680 |
| Tier 1 risk-based capital ratio | 17.5252% | 1,966 |
| Total risk-based capital ratio | 18.5901% | 1,970 |
| Memoranda: | ||
| Average total assets | $538,632,500 | 1,328 |
| Average earning assets | $508,871,500 | 1,308 |
| Average equity | $50,050,000 | 1,530 |
| Average total loans | $232,598,000 | 1,943 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3025% | 5,081 |
| Cost of funding earning assets | 0.1000% | 5,498 |
| Net interest margin | 3.2025% | 4,443 |
| Noninterest income to average assets | 1.0457% | 927 |
| Noninterest expense to average assets | 2.4680% | 3,887 |
| Loan and lease loss provision to assets | 0.0895% | 2,398 |
| Net operating income to assets | 0.9962% | 2,258 |
| Return on assets (ROA) | 0.9990% | 2,282 |
| Pretax return on assets | 1.5164% | 1,574 |
| Return on Equity (ROE) | 10.7989% | 1,553 |
| Retained earnings to average equity (ytd only) | 6.8441% | 1,142 |
| Net charge-offs to loans | 0.1091% | 1,978 |
| Credit loss provision to net charge-offs | 202.5751% | 1,349 |
| Earnings coverage of net charge-offs (x) | 36.2575% | 1,348 |
| Efficiency ratio | 60.6466% | 4,165 |
| Assets per employee ($millions) | 4.4023% | 3,345 |
| Cash dividends to net income (ytd only)* | 36.6224% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,689 |
| Loan loss allowance to noncurrent loans | 143.3856% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,711 |
| Noncurrent loans to loans | 0.9901% | 1,788 |
| Net loans and leases to total assets | 44.0444% | 4,974 |
| Net loans and leases to deposits | 49.2784% | 5,087 |
| Net loans and leases to core deposits | 49.7147% | 5,143 |
| Total domestic deposits to total assets | 89.3787% | 834 |
| Equity capital to assets | 9.6532% | 4,083 |
| Core capital (leverage) ratio | 9.7540% | 3,741 |
| Tier 1 risk-based capital ratio | 19.0131% | 1,504 |
| Total risk-based capital ratio | 20.1932% | 1,475 |
| Memoranda: | ||
| Average total assets | $527,508,000 | 1,335 |
| Average earning assets | $498,082,200 | 1,312 |
| Average equity | $48,801,400 | 1,549 |
| Average total loans | $213,649,200 | 2,049 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 5,194 |
| Cost of funding earning assets | 0.1018% | 5,549 |
| Net interest margin | 3.1316% | 4,617 |
| Noninterest income to average assets | 1.0311% | 960 |
| Noninterest expense to average assets | 2.5779% | 3,473 |
| Loan and lease loss provision to assets | 0.1629% | 1,250 |
| Net operating income to assets | 0.9131% | 2,956 |
| Return on assets (ROA) | 0.9173% | 3,000 |
| Pretax return on assets | 1.2539% | 2,687 |
| Return on Equity (ROE) | 10.0220% | 2,123 |
| Retained earnings to average equity (ytd only) | 5.9092% | 2,304 |
| Net charge-offs to loans | 0.0899% | 1,899 |
| Credit loss provision to net charge-offs | 458.8652% | 693 |
| Earnings coverage of net charge-offs (x) | 39.7437% | 1,302 |
| Efficiency ratio | 64.6257% | 3,431 |
| Assets per employee ($millions) | 4.6314% | 2,932 |
| Cash dividends to net income (ytd only)* | 41.0376% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,276 |
| Loan loss allowance to noncurrent loans | 147.9037% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 2,189 |
| Noncurrent loans to loans | 1.0699% | 1,802 |
| Net loans and leases to total assets | 40.8964% | 5,160 |
| Net loans and leases to deposits | 45.5055% | 5,270 |
| Net loans and leases to core deposits | 45.9235% | 5,313 |
| Total domestic deposits to total assets | 89.8714% | 518 |
| Equity capital to assets | 9.2310% | 4,701 |
| Core capital (leverage) ratio | 9.6152% | 4,023 |
| Tier 1 risk-based capital ratio | 19.1209% | 1,551 |
| Total risk-based capital ratio | 20.3718% | 1,517 |
| Memoranda: | ||
| Average total assets | $529,516,000 | 1,338 |
| Average earning assets | $500,129,250 | 1,307 |
| Average equity | $48,465,250 | 1,574 |
| Average total loans | $209,037,750 | 2,091 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1819% | 5,261 |
| Cost of funding earning assets | 0.1060% | 5,578 |
| Net interest margin | 3.0758% | 4,738 |
| Noninterest income to average assets | 1.0670% | 882 |
| Noninterest expense to average assets | 2.5729% | 3,517 |
| Loan and lease loss provision to assets | 0.1785% | 1,069 |
| Net operating income to assets | 0.8991% | 2,919 |
| Return on assets (ROA) | 0.9056% | 2,932 |
| Pretax return on assets | 1.2280% | 2,665 |
| Return on Equity (ROE) | 9.9235% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.7730% | 2,247 |
| Net charge-offs to loans | 0.1247% | 1,413 |
| Credit loss provision to net charge-offs | 369.2913% | 841 |
| Earnings coverage of net charge-offs (x) | 28.9134% | 1,491 |
| Efficiency ratio | 64.7972% | 3,536 |
| Assets per employee ($millions) | 4.6386% | 2,878 |
| Cash dividends to net income (ytd only)* | 41.8243% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,551 |
| Loan loss allowance to noncurrent loans | 132.3209% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 2,161 |
| Noncurrent loans to loans | 1.1386% | 1,721 |
| Net loans and leases to total assets | 40.5850% | 5,206 |
| Net loans and leases to deposits | 45.0628% | 5,309 |
| Net loans and leases to core deposits | 45.3362% | 5,356 |
| Total domestic deposits to total assets | 90.0632% | 515 |
| Equity capital to assets | 9.0397% | 4,859 |
| Core capital (leverage) ratio | 9.5855% | 4,034 |
| Tier 1 risk-based capital ratio | 18.8856% | 1,613 |
| Total risk-based capital ratio | 20.1356% | 1,573 |
| Memoranda: | ||
| Average total assets | $525,397,670 | 1,351 |
| Average earning assets | $496,000,000 | 1,326 |
| Average equity | $47,947,000 | 1,588 |
| Average total loans | $203,660,670 | 2,137 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2648% | 5,155 |
| Cost of funding earning assets | 0.1130% | 5,600 |
| Net interest margin | 3.1518% | 4,496 |
| Noninterest income to average assets | 1.2192% | 693 |
| Noninterest expense to average assets | 2.6150% | 3,439 |
| Loan and lease loss provision to assets | 0.2473% | 613 |
| Net operating income to assets | 0.9648% | 2,459 |
| Return on assets (ROA) | 0.9665% | 2,503 |
| Pretax return on assets | 1.3312% | 2,132 |
| Return on Equity (ROE) | 10.5381% | 1,721 |
| Retained earnings to average equity (ytd only) | 6.0024% | 2,334 |
| Net charge-offs to loans | 0.0353% | 2,080 |
| Credit loss provision to net charge-offs | 1,870.5882% | 186 |
| Earnings coverage of net charge-offs (x) | 119.2353% | 460 |
| Efficiency ratio | 62.3933% | 4,096 |
| Assets per employee ($millions) | 4.5661% | 3,063 |
| Cash dividends to net income (ytd only)* | 43.0410% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 1,051 |
| Loan loss allowance to noncurrent loans | 70.7929% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 1,852 |
| Noncurrent loans to loans | 2.4762% | 630 |
| Net loans and leases to total assets | 35.2180% | 5,434 |
| Net loans and leases to deposits | 39.1139% | 5,504 |
| Net loans and leases to core deposits | 39.3569% | 5,541 |
| Total domestic deposits to total assets | 90.0394% | 642 |
| Equity capital to assets | 8.9434% | 4,867 |
| Core capital (leverage) ratio | 9.3888% | 4,239 |
| Tier 1 risk-based capital ratio | 20.3442% | 1,327 |
| Total risk-based capital ratio | 21.5954% | 1,295 |
| Memoranda: | ||
| Average total assets | $514,420,500 | 1,381 |
| Average earning assets | $485,052,000 | 1,357 |
| Average equity | $47,181,000 | 1,607 |
| Average total loans | $192,720,500 | 2,242 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 5,492 |
| Cost of funding earning assets | 0.0959% | 5,722 |
| Net interest margin | 2.9165% | 5,107 |
| Noninterest income to average assets | 0.9689% | 1,215 |
| Noninterest expense to average assets | 2.5373% | 3,887 |
| Loan and lease loss provision to assets | 0.0939% | 2,481 |
| Net operating income to assets | 0.8425% | 3,098 |
| Return on assets (ROA) | 0.8901% | 2,993 |
| Pretax return on assets | 1.1605% | 2,854 |
| Return on Equity (ROE) | 9.4524% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.7846% | 1,834 |
| Net charge-offs to loans | 0.1015% | 2,264 |
| Credit loss provision to net charge-offs | 246.6321% | 1,176 |
| Earnings coverage of net charge-offs (x) | 31.3109% | 1,392 |
| Efficiency ratio | 68.0248% | 3,224 |
| Assets per employee ($millions) | 4.1563% | 3,691 |
| Cash dividends to net income (ytd only)* | 38.8027% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,431 |
| Loan loss allowance to noncurrent loans | 88.5317% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 2,051 |
| Noncurrent loans to loans | 1.7805% | 1,069 |
| Net loans and leases to total assets | 38.5924% | 5,377 |
| Net loans and leases to deposits | 43.1241% | 5,459 |
| Net loans and leases to core deposits | 43.3826% | 5,506 |
| Total domestic deposits to total assets | 89.4916% | 865 |
| Equity capital to assets | 9.4182% | 4,353 |
| Core capital (leverage) ratio | 9.3149% | 4,333 |
| Tier 1 risk-based capital ratio | 19.6301% | 1,446 |
| Total risk-based capital ratio | 20.8364% | 1,417 |
| Memoranda: | ||
| Average total assets | $506,681,400 | 1,355 |
| Average earning assets | $479,691,000 | 1,321 |
| Average equity | $47,712,600 | 1,584 |
| Average total loans | $190,150,200 | 2,208 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9829% | 5,586 |
| Cost of funding earning assets | 0.0926% | 5,799 |
| Net interest margin | 2.8903% | 5,201 |
| Noninterest income to average assets | 0.9577% | 1,241 |
| Noninterest expense to average assets | 2.5834% | 3,718 |
| Loan and lease loss provision to assets | 0.1036% | 2,196 |
| Net operating income to assets | 0.7949% | 3,390 |
| Return on assets (ROA) | 0.8308% | 3,360 |
| Pretax return on assets | 1.0586% | 3,395 |
| Return on Equity (ROE) | 8.8229% | 2,596 |
| Retained earnings to average equity (ytd only) | 4.9893% | 2,838 |
| Net charge-offs to loans | 0.0994% | 1,953 |
| Credit loss provision to net charge-offs | 280.8511% | 1,096 |
| Earnings coverage of net charge-offs (x) | 30.2616% | 1,481 |
| Efficiency ratio | 69.8296% | 2,908 |
| Assets per employee ($millions) | 4.5610% | 2,989 |
| Cash dividends to net income (ytd only)* | 43.4508% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,520 |
| Loan loss allowance to noncurrent loans | 95.2801% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 2,506 |
| Noncurrent loans to loans | 1.6654% | 1,274 |
| Net loans and leases to total assets | 35.1924% | 5,579 |
| Net loans and leases to deposits | 39.2153% | 5,651 |
| Net loans and leases to core deposits | 39.3711% | 5,696 |
| Total domestic deposits to total assets | 89.7415% | 582 |
| Equity capital to assets | 9.1856% | 4,990 |
| Core capital (leverage) ratio | 9.3130% | 4,444 |
| Tier 1 risk-based capital ratio | 19.6680% | 1,509 |
| Total risk-based capital ratio | 20.8889% | 1,480 |
| Memoranda: | ||
| Average total assets | $509,700,500 | 1,349 |
| Average earning assets | $483,543,000 | 1,316 |
| Average equity | $47,995,000 | 1,584 |
| Average total loans | $189,203,500 | 2,218 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0070% | 5,638 |
| Cost of funding earning assets | 0.0883% | 5,896 |
| Net interest margin | 2.9187% | 5,237 |
| Noninterest income to average assets | 0.9328% | 1,279 |
| Noninterest expense to average assets | 2.6258% | 3,629 |
| Loan and lease loss provision to assets | 0.0805% | 2,526 |
| Net operating income to assets | 0.7950% | 3,330 |
| Return on assets (ROA) | 0.8228% | 3,342 |
| Pretax return on assets | 1.0277% | 3,486 |
| Return on Equity (ROE) | 8.6624% | 2,661 |
| Retained earnings to average equity (ytd only) | 4.4026% | 3,111 |
| Net charge-offs to loans | 0.0519% | 2,457 |
| Credit loss provision to net charge-offs | 412.2449% | 761 |
| Earnings coverage of net charge-offs (x) | 54.9592% | 931 |
| Efficiency ratio | 70.9806% | 2,824 |
| Assets per employee ($millions) | 4.5696% | 2,912 |
| Cash dividends to net income (ytd only)* | 49.1764% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,812 |
| Loan loss allowance to noncurrent loans | 86.4187% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,694 |
| Noncurrent loans to loans | 1.7501% | 1,197 |
| Net loans and leases to total assets | 36.5882% | 5,582 |
| Net loans and leases to deposits | 40.8290% | 5,659 |
| Net loans and leases to core deposits | 40.9733% | 5,708 |
| Total domestic deposits to total assets | 89.6134% | 630 |
| Equity capital to assets | 9.3650% | 4,898 |
| Core capital (leverage) ratio | 9.6445% | 4,005 |
| Tier 1 risk-based capital ratio | 19.4482% | 1,582 |
| Total risk-based capital ratio | 20.6333% | 1,558 |
| Memoranda: | ||
| Average total assets | $501,721,330 | 1,378 |
| Average earning assets | $475,551,670 | 1,338 |
| Average equity | $47,654,000 | 1,592 |
| Average total loans | $188,662,000 | 2,225 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 5,621 |
| Cost of funding earning assets | 0.0876% | 5,961 |
| Net interest margin | 2.9965% | 5,128 |
| Noninterest income to average assets | 0.9136% | 1,282 |
| Noninterest expense to average assets | 2.6547% | 3,560 |
| Loan and lease loss provision to assets | 0.0886% | 2,207 |
| Net operating income to assets | 0.8065% | 3,208 |
| Return on assets (ROA) | 0.8201% | 3,276 |
| Pretax return on assets | 1.0225% | 3,395 |
| Return on Equity (ROE) | 8.5712% | 2,622 |
| Retained earnings to average equity (ytd only) | 3.0496% | 3,986 |
| Net charge-offs to loans | 0.0494% | 2,051 |
| Credit loss provision to net charge-offs | 473.9130% | 635 |
| Earnings coverage of net charge-offs (x) | 58.5217% | 796 |
| Efficiency ratio | 70.8153% | 2,985 |
| Assets per employee ($millions) | 4.6416% | 2,831 |
| Cash dividends to net income (ytd only)* | 64.4202% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,865 |
| Loan loss allowance to noncurrent loans | 112.4656% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 2,947 |
| Noncurrent loans to loans | 1.3590% | 1,752 |
| Net loans and leases to total assets | 36.0884% | 5,632 |
| Net loans and leases to deposits | 40.2469% | 5,708 |
| Net loans and leases to core deposits | 40.4156% | 5,761 |
| Total domestic deposits to total assets | 89.6676% | 752 |
| Equity capital to assets | 9.3066% | 4,884 |
| Core capital (leverage) ratio | 9.6081% | 4,026 |
| Tier 1 risk-based capital ratio | 19.3705% | 1,637 |
| Total risk-based capital ratio | 20.5407% | 1,625 |
| Memoranda: | ||
| Average total assets | $492,113,000 | 1,406 |
| Average earning assets | $465,610,500 | 1,366 |
| Average equity | $47,088,000 | 1,596 |
| Average total loans | $186,228,500 | 2,248 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9566% | 5,764 |
| Cost of funding earning assets | 0.0978% | 5,970 |
| Net interest margin | 2.8588% | 5,402 |
| Noninterest income to average assets | 1.0573% | 1,055 |
| Noninterest expense to average assets | 2.6531% | 3,746 |
| Loan and lease loss provision to assets | 0.1039% | 2,248 |
| Net operating income to assets | 0.8250% | 3,224 |
| Return on assets (ROA) | 0.8284% | 3,276 |
| Pretax return on assets | 1.0040% | 3,461 |
| Return on Equity (ROE) | 8.4796% | 2,720 |
| Retained earnings to average equity (ytd only) | 3.5484% | 3,539 |
| Net charge-offs to loans | 0.0355% | 3,501 |
| Credit loss provision to net charge-offs | 801.6393% | 424 |
| Earnings coverage of net charge-offs (x) | 85.1967% | 664 |
| Efficiency ratio | 70.6185% | 3,122 |
| Assets per employee ($millions) | 4.3468% | 3,313 |
| Cash dividends to net income (ytd only)* | 58.1538% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,025 |
| Loan loss allowance to noncurrent loans | 72.6939% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 2,136 |
| Noncurrent loans to loans | 2.0589% | 1,003 |
| Net loans and leases to total assets | 38.5320% | 5,598 |
| Net loans and leases to deposits | 43.2969% | 5,673 |
| Net loans and leases to core deposits | 43.4939% | 5,729 |
| Total domestic deposits to total assets | 88.9950% | 1,118 |
| Equity capital to assets | 9.8001% | 4,188 |
| Core capital (leverage) ratio | 9.3010% | 4,474 |
| Tier 1 risk-based capital ratio | 19.6241% | 1,559 |
| Total risk-based capital ratio | 20.7827% | 1,547 |
| Memoranda: | ||
| Average total assets | $470,803,000 | 1,431 |
| Average earning assets | $444,593,400 | 1,395 |
| Average equity | $45,992,800 | 1,602 |
| Average total loans | $171,611,400 | 2,338 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9108% | 5,881 |
| Cost of funding earning assets | 0.0997% | 6,059 |
| Net interest margin | 2.8111% | 5,559 |
| Noninterest income to average assets | 1.0489% | 1,089 |
| Noninterest expense to average assets | 2.6896% | 3,597 |
| Loan and lease loss provision to assets | 0.1038% | 2,126 |
| Net operating income to assets | 0.7743% | 3,557 |
| Return on assets (ROA) | 0.7758% | 3,639 |
| Pretax return on assets | 0.9128% | 3,943 |
| Return on Equity (ROE) | 7.9476% | 3,103 |
| Retained earnings to average equity (ytd only) | 4.5622% | 3,227 |
| Net charge-offs to loans | 0.0436% | 3,020 |
| Credit loss provision to net charge-offs | 665.4545% | 516 |
| Earnings coverage of net charge-offs (x) | 65.0559% | 862 |
| Efficiency ratio | 72.6034% | 2,775 |
| Assets per employee ($millions) | 4.4751% | 3,052 |
| Cash dividends to net income (ytd only)* | 42.5958% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 2,023 |
| Loan loss allowance to noncurrent loans | 62.8788% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 2,168 |
| Noncurrent loans to loans | 2.4376% | 843 |
| Net loans and leases to total assets | 35.3046% | 5,803 |
| Net loans and leases to deposits | 39.5474% | 5,885 |
| Net loans and leases to core deposits | 39.7232% | 5,924 |
| Total domestic deposits to total assets | 89.2716% | 887 |
| Equity capital to assets | 9.6117% | 4,622 |
| Core capital (leverage) ratio | 9.9091% | 3,760 |
| Tier 1 risk-based capital ratio | 20.4232% | 1,449 |
| Total risk-based capital ratio | 21.5792% | 1,440 |
| Memoranda: | ||
| Average total assets | $470,053,000 | 1,443 |
| Average earning assets | $444,040,750 | 1,403 |
| Average equity | $45,882,750 | 1,615 |
| Average total loans | $168,179,250 | 2,388 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9088% | 5,938 |
| Cost of funding earning assets | 0.1028% | 6,125 |
| Net interest margin | 2.8060% | 5,605 |
| Noninterest income to average assets | 1.0493% | 1,076 |
| Noninterest expense to average assets | 2.7184% | 3,532 |
| Loan and lease loss provision to assets | 0.1052% | 2,073 |
| Net operating income to assets | 0.7559% | 3,620 |
| Return on assets (ROA) | 0.7581% | 3,705 |
| Pretax return on assets | 0.8779% | 4,037 |
| Return on Equity (ROE) | 7.7256% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.2677% | 3,306 |
| Net charge-offs to loans | 0.0276% | 3,116 |
| Credit loss provision to net charge-offs | 1,065.2174% | 336 |
| Earnings coverage of net charge-offs (x) | 99.2609% | 602 |
| Efficiency ratio | 73.4905% | 2,753 |
| Assets per employee ($millions) | 4.3018% | 3,303 |
| Cash dividends to net income (ytd only)* | 44.7592% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 2,224 |
| Loan loss allowance to noncurrent loans | 95.2151% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 3,276 |
| Noncurrent loans to loans | 1.5922% | 1,647 |
| Net loans and leases to total assets | 35.2412% | 5,853 |
| Net loans and leases to deposits | 39.5275% | 5,917 |
| Net loans and leases to core deposits | 39.6819% | 5,966 |
| Total domestic deposits to total assets | 89.1561% | 1,068 |
| Equity capital to assets | 9.6695% | 4,441 |
| Core capital (leverage) ratio | 9.5327% | 4,241 |
| Tier 1 risk-based capital ratio | 21.1581% | 1,330 |
| Total risk-based capital ratio | 22.3424% | 1,321 |
| Memoranda: | ||
| Average total assets | $465,634,670 | 1,459 |
| Average earning assets | $439,700,330 | 1,426 |
| Average equity | $45,692,330 | 1,630 |
| Average total loans | $166,477,000 | 2,411 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9144% | 5,981 |
| Cost of funding earning assets | 0.1065% | 6,180 |
| Net interest margin | 2.8080% | 5,625 |
| Noninterest income to average assets | 1.0272% | 1,061 |
| Noninterest expense to average assets | 2.7411% | 3,446 |
| Loan and lease loss provision to assets | 0.1065% | 1,927 |
| Net operating income to assets | 0.7326% | 3,634 |
| Return on assets (ROA) | 0.7318% | 3,770 |
| Pretax return on assets | 0.8280% | 4,139 |
| Return on Equity (ROE) | 7.4025% | 3,272 |
| Retained earnings to average equity (ytd only) | 3.8983% | 3,665 |
| Net charge-offs to loans | 0.0315% | 2,557 |
| Credit loss provision to net charge-offs | 946.1538% | 352 |
| Earnings coverage of net charge-offs (x) | 83.0769% | 577 |
| Efficiency ratio | 74.5583% | 2,724 |
| Assets per employee ($millions) | 4.2982% | 3,374 |
| Cash dividends to net income (ytd only)* | 47.3373% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,491 |
| Loan loss allowance to noncurrent loans | 81.7516% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 3,071 |
| Noncurrent loans to loans | 1.8206% | 1,487 |
| Net loans and leases to total assets | 34.6819% | 5,896 |
| Net loans and leases to deposits | 38.9852% | 5,950 |
| Net loans and leases to core deposits | 39.1107% | 6,002 |
| Total domestic deposits to total assets | 88.9617% | 1,300 |
| Equity capital to assets | 9.8475% | 4,330 |
| Core capital (leverage) ratio | 9.7913% | 3,904 |
| Tier 1 risk-based capital ratio | 21.4082% | 1,345 |
| Total risk-based capital ratio | 22.5676% | 1,337 |
| Memoranda: | ||
| Average total assets | $461,852,500 | 1,474 |
| Average earning assets | $435,761,000 | 1,441 |
| Average equity | $45,660,500 | 1,637 |
| Average total loans | $165,051,500 | 2,434 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9832% | 6,075 |
| Cost of funding earning assets | 0.1257% | 6,221 |
| Net interest margin | 2.8575% | 5,720 |
| Noninterest income to average assets | 1.1418% | 930 |
| Noninterest expense to average assets | 2.7464% | 3,690 |
| Loan and lease loss provision to assets | 0.0818% | 2,845 |
| Net operating income to assets | 0.8368% | 3,188 |
| Return on assets (ROA) | 0.8389% | 3,276 |
| Pretax return on assets | 0.9950% | 3,517 |
| Return on Equity (ROE) | 8.4110% | 2,904 |
| Retained earnings to average equity (ytd only) | 3.6280% | 3,639 |
| Net charge-offs to loans | 0.2693% | 1,605 |
| Credit loss provision to net charge-offs | 84.7926% | 2,763 |
| Earnings coverage of net charge-offs (x) | 11.1313% | 2,540 |
| Efficiency ratio | 71.8801% | 3,228 |
| Assets per employee ($millions) | 4.1302% | 3,663 |
| Cash dividends to net income (ytd only)* | 56.8664% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 2,851 |
| Loan loss allowance to noncurrent loans | 133.5991% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 3,917 |
| Noncurrent loans to loans | 1.0632% | 2,696 |
| Net loans and leases to total assets | 35.8367% | 5,962 |
| Net loans and leases to deposits | 40.2739% | 6,032 |
| Net loans and leases to core deposits | 40.4076% | 6,088 |
| Total domestic deposits to total assets | 88.9823% | 1,249 |
| Equity capital to assets | 10.2873% | 3,742 |
| Core capital (leverage) ratio | 9.8848% | 3,729 |
| Tier 1 risk-based capital ratio | 21.3292% | 1,335 |
| Total risk-based capital ratio | 22.4339% | 1,339 |
| Memoranda: | ||
| Average total assets | $449,646,200 | 1,478 |
| Average earning assets | $421,561,000 | 1,456 |
| Average equity | $44,845,800 | 1,610 |
| Average total loans | $161,188,400 | 2,410 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9738% | 6,155 |
| Cost of funding earning assets | 0.1286% | 6,294 |
| Net interest margin | 2.8453% | 5,795 |
| Noninterest income to average assets | 1.1351% | 938 |
| Noninterest expense to average assets | 2.8059% | 3,439 |
| Loan and lease loss provision to assets | 0.0981% | 2,403 |
| Net operating income to assets | 0.7817% | 3,504 |
| Return on assets (ROA) | 0.7846% | 3,598 |
| Pretax return on assets | 0.8987% | 3,992 |
| Return on Equity (ROE) | 7.9296% | 3,246 |
| Retained earnings to average equity (ytd only) | 3.6628% | 4,037 |
| Net charge-offs to loans | 0.3346% | 1,197 |
| Credit loss provision to net charge-offs | 82.0896% | 2,556 |
| Earnings coverage of net charge-offs (x) | 8.3134% | 2,823 |
| Efficiency ratio | 73.8498% | 2,845 |
| Assets per employee ($millions) | 3.9397% | 4,012 |
| Cash dividends to net income (ytd only)* | 53.8084% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 2,944 |
| Loan loss allowance to noncurrent loans | 84.1973% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 3,221 |
| Noncurrent loans to loans | 1.7225% | 1,884 |
| Net loans and leases to total assets | 36.3442% | 6,018 |
| Net loans and leases to deposits | 40.9405% | 6,089 |
| Net loans and leases to core deposits | 41.0834% | 6,147 |
| Total domestic deposits to total assets | 88.7731% | 1,366 |
| Equity capital to assets | 10.4963% | 3,563 |
| Core capital (leverage) ratio | 10.1466% | 3,475 |
| Tier 1 risk-based capital ratio | 21.5370% | 1,340 |
| Total risk-based capital ratio | 22.6593% | 1,342 |
| Memoranda: | ||
| Average total assets | $448,476,500 | 1,492 |
| Average earning assets | $419,963,000 | 1,463 |
| Average equity | $44,372,750 | 1,629 |
| Average total loans | $160,195,250 | 2,442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9383% | 6,230 |
| Cost of funding earning assets | 0.1317% | 6,354 |
| Net interest margin | 2.8067% | 5,893 |
| Noninterest income to average assets | 1.0991% | 984 |
| Noninterest expense to average assets | 2.7921% | 3,539 |
| Loan and lease loss provision to assets | 0.0969% | 2,409 |
| Net operating income to assets | 0.7475% | 3,583 |
| Return on assets (ROA) | 0.7510% | 3,666 |
| Pretax return on assets | 0.8443% | 4,103 |
| Return on Equity (ROE) | 7.7422% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.2738% | 4,122 |
| Net charge-offs to loans | 0.1376% | 2,292 |
| Credit loss provision to net charge-offs | 199.0909% | 1,180 |
| Earnings coverage of net charge-offs (x) | 19.2636% | 1,636 |
| Efficiency ratio | 74.8695% | 2,828 |
| Assets per employee ($millions) | 4.2492% | 3,371 |
| Cash dividends to net income (ytd only)* | 57.7150% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 2,503 |
| Loan loss allowance to noncurrent loans | 87.1369% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 3,456 |
| Noncurrent loans to loans | 1.8239% | 1,881 |
| Net loans and leases to total assets | 34.0031% | 6,143 |
| Net loans and leases to deposits | 37.9983% | 6,227 |
| Net loans and leases to core deposits | 38.1236% | 6,271 |
| Total domestic deposits to total assets | 89.4858% | 1,100 |
| Equity capital to assets | 9.8461% | 4,296 |
| Core capital (leverage) ratio | 9.5637% | 4,235 |
| Tier 1 risk-based capital ratio | 21.7682% | 1,296 |
| Total risk-based capital ratio | 23.0040% | 1,276 |
| Memoranda: | ||
| Average total assets | $452,199,330 | 1,477 |
| Average earning assets | $423,776,670 | 1,458 |
| Average equity | $43,863,330 | 1,636 |
| Average total loans | $159,835,330 | 2,450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9519% | 6,283 |
| Cost of funding earning assets | 0.1341% | 6,429 |
| Net interest margin | 2.8178% | 5,900 |
| Noninterest income to average assets | 1.0659% | 981 |
| Noninterest expense to average assets | 2.7947% | 3,587 |
| Loan and lease loss provision to assets | 0.0945% | 2,344 |
| Net operating income to assets | 0.7370% | 3,504 |
| Return on assets (ROA) | 0.7370% | 3,586 |
| Pretax return on assets | 0.8163% | 4,047 |
| Return on Equity (ROE) | 7.6570% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.4905% | 4,039 |
| Net charge-offs to loans | 0.1321% | 1,920 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 19.2830% | 1,383 |
| Efficiency ratio | 75.4209% | 2,886 |
| Assets per employee ($millions) | 4.0323% | 3,878 |
| Cash dividends to net income (ytd only)* | 54.4135% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 2,921 |
| Loan loss allowance to noncurrent loans | 76.0259% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 3,492 |
| Noncurrent loans to loans | 2.0397% | 1,823 |
| Net loans and leases to total assets | 34.6382% | 6,147 |
| Net loans and leases to deposits | 38.6924% | 6,215 |
| Net loans and leases to core deposits | 38.8219% | 6,279 |
| Total domestic deposits to total assets | 89.5219% | 1,357 |
| Equity capital to assets | 9.7319% | 4,192 |
| Core capital (leverage) ratio | 9.8658% | 3,769 |
| Tier 1 risk-based capital ratio | 21.7092% | 1,338 |
| Total risk-based capital ratio | 22.9236% | 1,325 |
| Memoranda: | ||
| Average total assets | $448,843,500 | 1,489 |
| Average earning assets | $420,472,500 | 1,470 |
| Average equity | $43,202,500 | 1,643 |
| Average total loans | $160,471,000 | 2,453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1610% | 6,184 |
| Cost of funding earning assets | 0.1809% | 6,384 |
| Net interest margin | 2.9801% | 5,623 |
| Noninterest income to average assets | 1.3276% | 784 |
| Noninterest expense to average assets | 2.9579% | 3,168 |
| Loan and lease loss provision to assets | 0.1623% | 2,250 |
| Net operating income to assets | 0.8535% | 3,015 |
| Return on assets (ROA) | 0.8569% | 3,074 |
| Pretax return on assets | 0.9866% | 3,406 |
| Return on Equity (ROE) | 8.9386% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.3194% | 2,403 |
| Net charge-offs to loans | 0.6397% | 1,013 |
| Credit loss provision to net charge-offs | 68.6293% | 3,341 |
| Earnings coverage of net charge-offs (x) | 4.8417% | 3,437 |
| Efficiency ratio | 72.0930% | 3,457 |
| Assets per employee ($millions) | 3.9129% | 4,042 |
| Cash dividends to net income (ytd only)* | 40.4901% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,254 |
| Loan loss allowance to noncurrent loans | 77.4245% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 3,531 |
| Noncurrent loans to loans | 1.9217% | 2,090 |
| Net loans and leases to total assets | 35.7870% | 6,214 |
| Net loans and leases to deposits | 39.8569% | 6,310 |
| Net loans and leases to core deposits | 40.0210% | 6,364 |
| Total domestic deposits to total assets | 89.7888% | 1,188 |
| Equity capital to assets | 9.5174% | 4,404 |
| Core capital (leverage) ratio | 9.6608% | 4,042 |
| Tier 1 risk-based capital ratio | 21.6414% | 1,310 |
| Total risk-based capital ratio | 22.8362% | 1,300 |
| Memoranda: | ||
| Average total assets | $438,088,400 | 1,512 |
| Average earning assets | $407,975,600 | 1,488 |
| Average equity | $41,997,400 | 1,671 |
| Average total loans | $161,944,400 | 2,395 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 6,219 |
| Cost of funding earning assets | 0.1870% | 6,464 |
| Net interest margin | 2.9972% | 5,604 |
| Noninterest income to average assets | 1.2905% | 888 |
| Noninterest expense to average assets | 2.9733% | 3,069 |
| Loan and lease loss provision to assets | 0.1605% | 2,251 |
| Net operating income to assets | 0.8225% | 3,241 |
| Return on assets (ROA) | 0.8270% | 3,335 |
| Pretax return on assets | 0.9456% | 3,707 |
| Return on Equity (ROE) | 8.6110% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.9820% | 3,102 |
| Net charge-offs to loans | 0.6398% | 958 |
| Credit loss provision to net charge-offs | 67.5676% | 3,114 |
| Earnings coverage of net charge-offs (x) | 4.6345% | 3,389 |
| Efficiency ratio | 72.9776% | 3,222 |
| Assets per employee ($millions) | 3.7506% | 4,348 |
| Cash dividends to net income (ytd only)* | 42.1441% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,107 |
| Loan loss allowance to noncurrent loans | 68.9808% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4592% | 2,759 |
| Noncurrent loans to loans | 2.2884% | 1,916 |
| Net loans and leases to total assets | 35.9064% | 6,283 |
| Net loans and leases to deposits | 40.2179% | 6,377 |
| Net loans and leases to core deposits | 40.4717% | 6,432 |
| Total domestic deposits to total assets | 89.2797% | 1,418 |
| Equity capital to assets | 9.3717% | 4,715 |
| Core capital (leverage) ratio | 9.8605% | 3,877 |
| Tier 1 risk-based capital ratio | 21.5030% | 1,399 |
| Total risk-based capital ratio | 22.7451% | 1,374 |
| Memoranda: | ||
| Average total assets | $436,093,750 | 1,531 |
| Average earning assets | $405,029,750 | 1,506 |
| Average equity | $41,883,250 | 1,686 |
| Average total loans | $161,919,250 | 2,408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2021% | 6,225 |
| Cost of funding earning assets | 0.1878% | 6,536 |
| Net interest margin | 3.0143% | 5,538 |
| Noninterest income to average assets | 1.3320% | 876 |
| Noninterest expense to average assets | 2.9738% | 3,081 |
| Loan and lease loss provision to assets | 0.1842% | 2,060 |
| Net operating income to assets | 0.8487% | 3,049 |
| Return on assets (ROA) | 0.8554% | 3,163 |
| Pretax return on assets | 0.9907% | 3,552 |
| Return on Equity (ROE) | 8.8364% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.2490% | 2,892 |
| Net charge-offs to loans | 0.5323% | 1,242 |
| Credit loss provision to net charge-offs | 92.6437% | 2,380 |
| Earnings coverage of net charge-offs (x) | 5.8713% | 2,814 |
| Efficiency ratio | 71.8164% | 3,507 |
| Assets per employee ($millions) | 3.8402% | 4,131 |
| Cash dividends to net income (ytd only)* | 40.5983% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 2,839 |
| Loan loss allowance to noncurrent loans | 73.7660% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 3,144 |
| Noncurrent loans to loans | 2.2830% | 2,077 |
| Net loans and leases to total assets | 35.4500% | 6,333 |
| Net loans and leases to deposits | 39.6127% | 6,422 |
| Net loans and leases to core deposits | 40.0015% | 6,475 |
| Total domestic deposits to total assets | 89.4913% | 1,332 |
| Equity capital to assets | 9.2188% | 4,962 |
| Core capital (leverage) ratio | 9.3662% | 4,444 |
| Tier 1 risk-based capital ratio | 21.1738% | 1,454 |
| Total risk-based capital ratio | 22.4247% | 1,422 |
| Memoranda: | ||
| Average total assets | $437,684,670 | 1,520 |
| Average earning assets | $407,860,000 | 1,494 |
| Average equity | $42,370,330 | 1,666 |
| Average total loans | $163,440,330 | 2,395 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 6,225 |
| Cost of funding earning assets | 0.1927% | 6,612 |
| Net interest margin | 3.0674% | 5,376 |
| Noninterest income to average assets | 1.3149% | 892 |
| Noninterest expense to average assets | 2.9645% | 3,097 |
| Loan and lease loss provision to assets | 0.0941% | 3,097 |
| Net operating income to assets | 0.9294% | 2,527 |
| Return on assets (ROA) | 0.9424% | 2,607 |
| Pretax return on assets | 1.1342% | 2,840 |
| Return on Equity (ROE) | 9.5020% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.9690% | 2,693 |
| Net charge-offs to loans | 0.4537% | 1,313 |
| Credit loss provision to net charge-offs | 54.5455% | 2,538 |
| Earnings coverage of net charge-offs (x) | 7.0321% | 2,129 |
| Efficiency ratio | 70.9713% | 3,794 |
| Assets per employee ($millions) | 3.7706% | 4,413 |
| Cash dividends to net income (ytd only)* | 37.1820% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,230 |
| Loan loss allowance to noncurrent loans | 69.0544% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 3,255 |
| Noncurrent loans to loans | 2.3766% | 2,186 |
| Net loans and leases to total assets | 36.0147% | 6,294 |
| Net loans and leases to deposits | 40.5342% | 6,395 |
| Net loans and leases to core deposits | 40.9728% | 6,442 |
| Total domestic deposits to total assets | 88.8501% | 1,765 |
| Equity capital to assets | 9.7595% | 4,480 |
| Core capital (leverage) ratio | 9.7444% | 3,734 |
| Tier 1 risk-based capital ratio | 21.0480% | 1,523 |
| Total risk-based capital ratio | 22.2989% | 1,497 |
| Memoranda: | ||
| Average total assets | $433,797,500 | 1,551 |
| Average earning assets | $404,775,000 | 1,515 |
| Average equity | $43,022,500 | 1,659 |
| Average total loans | $164,850,500 | 2,382 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 6,095 |
| Cost of funding earning assets | 0.2886% | 6,510 |
| Net interest margin | 3.3842% | 4,941 |
| Noninterest income to average assets | 1.2659% | 973 |
| Noninterest expense to average assets | 3.2028% | 2,604 |
| Loan and lease loss provision to assets | 0.1148% | 4,196 |
| Net operating income to assets | 0.9085% | 2,778 |
| Return on assets (ROA) | 1.0206% | 2,465 |
| Pretax return on assets | 1.2052% | 2,789 |
| Return on Equity (ROE) | 9.5250% | 2,397 |
| Retained earnings to average equity (ytd only) | 0.2432% | 5,731 |
| Net charge-offs to loans | 0.2451% | 3,472 |
| Credit loss provision to net charge-offs | 110.4019% | 2,645 |
| Earnings coverage of net charge-offs (x) | 11.4255% | 2,030 |
| Efficiency ratio | 72.9395% | 3,253 |
| Assets per employee ($millions) | 3.6762% | 4,615 |
| Cash dividends to net income (ytd only)* | 97.4464% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,191 |
| Loan loss allowance to noncurrent loans | 155.2467% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 3,954 |
| Noncurrent loans to loans | 1.0484% | 4,113 |
| Net loans and leases to total assets | 38.7939% | 6,247 |
| Net loans and leases to deposits | 43.7568% | 6,380 |
| Net loans and leases to core deposits | 44.2182% | 6,452 |
| Total domestic deposits to total assets | 88.6579% | 1,800 |
| Equity capital to assets | 10.0812% | 4,058 |
| Core capital (leverage) ratio | 9.5217% | 4,074 |
| Tier 1 risk-based capital ratio | 20.1773% | 1,632 |
| Total risk-based capital ratio | 21.4286% | 1,610 |
| Memoranda: | ||
| Average total assets | $406,740,200 | 1,607 |
| Average earning assets | $375,599,200 | 1,594 |
| Average equity | $43,580,200 | 1,598 |
| Average total loans | $172,608,400 | 2,286 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 6,160 |
| Cost of funding earning assets | 0.3062% | 6,587 |
| Net interest margin | 3.4275% | 4,934 |
| Noninterest income to average assets | 1.1829% | 1,083 |
| Noninterest expense to average assets | 3.2777% | 2,332 |
| Loan and lease loss provision to assets | 0.1344% | 3,866 |
| Net operating income to assets | 0.8135% | 3,380 |
| Return on assets (ROA) | 0.9636% | 2,901 |
| Pretax return on assets | 1.0950% | 3,367 |
| Return on Equity (ROE) | 8.8546% | 2,876 |
| Retained earnings to average equity (ytd only) | 5.3786% | 3,110 |
| Net charge-offs to loans | 0.2295% | 3,345 |
| Credit loss provision to net charge-offs | 135.4515% | 2,129 |
| Earnings coverage of net charge-offs (x) | 10.6722% | 2,162 |
| Efficiency ratio | 75.5834% | 2,737 |
| Assets per employee ($millions) | 3.5045% | 4,976 |
| Cash dividends to net income (ytd only)* | 39.2562% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,384 |
| Loan loss allowance to noncurrent loans | 86.9214% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 3,639 |
| Noncurrent loans to loans | 1.8821% | 2,979 |
| Net loans and leases to total assets | 41.0294% | 6,198 |
| Net loans and leases to deposits | 46.8269% | 6,330 |
| Net loans and leases to core deposits | 47.2667% | 6,458 |
| Total domestic deposits to total assets | 87.6194% | 2,282 |
| Equity capital to assets | 11.0116% | 3,262 |
| Core capital (leverage) ratio | 10.6180% | 2,780 |
| Tier 1 risk-based capital ratio | 20.3727% | 1,666 |
| Total risk-based capital ratio | 21.6238% | 1,637 |
| Memoranda: | ||
| Average total assets | $401,816,250 | 1,643 |
| Average earning assets | $369,708,750 | 1,632 |
| Average equity | $43,727,750 | 1,612 |
| Average total loans | $173,718,500 | 2,301 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 6,239 |
| Cost of funding earning assets | 0.3185% | 6,655 |
| Net interest margin | 3.4366% | 4,942 |
| Noninterest income to average assets | 1.1336% | 1,109 |
| Noninterest expense to average assets | 3.2565% | 2,418 |
| Loan and lease loss provision to assets | 0.1729% | 3,376 |
| Net operating income to assets | 0.7646% | 3,539 |
| Return on assets (ROA) | 0.9913% | 2,729 |
| Pretax return on assets | 1.1256% | 3,207 |
| Return on Equity (ROE) | 9.1461% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,908 |
| Net charge-offs to loans | 0.2875% | 2,884 |
| Credit loss provision to net charge-offs | 137.4502% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.2749% | 2,324 |
| Efficiency ratio | 75.7784% | 2,773 |
| Assets per employee ($millions) | 3.4397% | 5,112 |
| Cash dividends to net income (ytd only)* | 38.4226% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,498 |
| Loan loss allowance to noncurrent loans | 131.3531% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 4,099 |
| Noncurrent loans to loans | 1.2407% | 4,069 |
| Net loans and leases to total assets | 41.4315% | 6,239 |
| Net loans and leases to deposits | 47.1856% | 6,363 |
| Net loans and leases to core deposits | 47.9353% | 6,463 |
| Total domestic deposits to total assets | 87.8053% | 2,276 |
| Equity capital to assets | 10.9042% | 3,221 |
| Core capital (leverage) ratio | 10.3065% | 3,041 |
| Tier 1 risk-based capital ratio | 20.1496% | 1,677 |
| Total risk-based capital ratio | 21.4004% | 1,639 |
| Memoranda: | ||
| Average total assets | $399,078,330 | 1,657 |
| Average earning assets | $367,402,000 | 1,645 |
| Average equity | $43,253,330 | 1,614 |
| Average total loans | $174,614,330 | 2,299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 6,290 |
| Cost of funding earning assets | 0.3212% | 6,772 |
| Net interest margin | 3.4606% | 4,873 |
| Noninterest income to average assets | 1.0716% | 1,257 |
| Noninterest expense to average assets | 3.2319% | 2,501 |
| Loan and lease loss provision to assets | 0.2679% | 2,314 |
| Net operating income to assets | 0.6757% | 4,006 |
| Return on assets (ROA) | 1.0423% | 2,506 |
| Pretax return on assets | 1.1797% | 2,988 |
| Return on Equity (ROE) | 9.6466% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.0911% | 2,903 |
| Net charge-offs to loans | 0.4330% | 2,015 |
| Credit loss provision to net charge-offs | 138.7435% | 1,775 |
| Earnings coverage of net charge-offs (x) | 5.3403% | 2,395 |
| Efficiency ratio | 75.8122% | 2,813 |
| Assets per employee ($millions) | 3.3375% | 5,476 |
| Cash dividends to net income (ytd only)* | 36.8574% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,736 |
| Loan loss allowance to noncurrent loans | 99.2821% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 4,072 |
| Noncurrent loans to loans | 1.6074% | 3,704 |
| Net loans and leases to total assets | 43.3081% | 6,072 |
| Net loans and leases to deposits | 49.2887% | 6,196 |
| Net loans and leases to core deposits | 50.3424% | 6,317 |
| Total domestic deposits to total assets | 87.8662% | 2,414 |
| Equity capital to assets | 10.8639% | 3,069 |
| Core capital (leverage) ratio | 10.7506% | 2,493 |
| Tier 1 risk-based capital ratio | 19.8194% | 1,753 |
| Total risk-based capital ratio | 21.0699% | 1,724 |
| Memoranda: | ||
| Average total assets | $395,677,500 | 1,679 |
| Average earning assets | $364,905,000 | 1,664 |
| Average equity | $42,751,000 | 1,625 |
| Average total loans | $176,447,500 | 2,285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 6,548 |
| Cost of funding earning assets | 0.3720% | 6,960 |
| Net interest margin | 3.5789% | 4,815 |
| Noninterest income to average assets | 1.1531% | 985 |
| Noninterest expense to average assets | 3.2153% | 2,808 |
| Loan and lease loss provision to assets | 0.2163% | 4,030 |
| Net operating income to assets | 0.9235% | 2,513 |
| Return on assets (ROA) | 0.9856% | 2,395 |
| Pretax return on assets | 1.0750% | 2,934 |
| Return on Equity (ROE) | 9.2516% | 2,344 |
| Retained earnings to average equity (ytd only) | 5.4886% | 2,309 |
| Net charge-offs to loans | 0.4694% | 3,109 |
| Credit loss provision to net charge-offs | 97.0414% | 3,711 |
| Earnings coverage of net charge-offs (x) | 5.4911% | 2,776 |
| Efficiency ratio | 72.4318% | 3,496 |
| Assets per employee ($millions) | 3.0579% | 5,977 |
| Cash dividends to net income (ytd only)* | 40.6743% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 4,032 |
| Loan loss allowance to noncurrent loans | 137.1370% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 4,589 |
| Noncurrent loans to loans | 1.0932% | 4,527 |
| Net loans and leases to total assets | 44.4945% | 6,162 |
| Net loans and leases to deposits | 50.5607% | 6,320 |
| Net loans and leases to core deposits | 51.2356% | 6,466 |
| Total domestic deposits to total assets | 88.0021% | 2,151 |
| Equity capital to assets | 10.7457% | 3,255 |
| Core capital (leverage) ratio | 10.3170% | 2,950 |
| Tier 1 risk-based capital ratio | 19.3708% | 1,800 |
| Total risk-based capital ratio | 20.6212% | 1,768 |
| Memoranda: | ||
| Average total assets | $379,155,800 | 1,708 |
| Average earning assets | $348,122,200 | 1,703 |
| Average equity | $40,392,800 | 1,668 |
| Average total loans | $180,011,000 | 2,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 6,580 |
| Cost of funding earning assets | 0.3797% | 7,062 |
| Net interest margin | 3.6263% | 4,672 |
| Noninterest income to average assets | 1.1394% | 1,017 |
| Noninterest expense to average assets | 3.3158% | 2,445 |
| Loan and lease loss provision to assets | 0.2200% | 3,815 |
| Net operating income to assets | 0.8958% | 2,753 |
| Return on assets (ROA) | 0.9009% | 2,878 |
| Pretax return on assets | 0.9305% | 3,648 |
| Return on Equity (ROE) | 8.4763% | 2,835 |
| Retained earnings to average equity (ytd only) | 4.6585% | 3,411 |
| Net charge-offs to loans | 0.3597% | 3,295 |
| Credit loss provision to net charge-offs | 127.1605% | 2,521 |
| Earnings coverage of net charge-offs (x) | 6.6194% | 2,522 |
| Efficiency ratio | 74.3297% | 3,115 |
| Assets per employee ($millions) | 2.9964% | 6,123 |
| Cash dividends to net income (ytd only)* | 45.0415% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,820 |
| Loan loss allowance to noncurrent loans | 94.9683% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 4,396 |
| Noncurrent loans to loans | 1.6489% | 3,821 |
| Net loans and leases to total assets | 48.2155% | 5,933 |
| Net loans and leases to deposits | 54.9534% | 6,127 |
| Net loans and leases to core deposits | 55.8975% | 6,329 |
| Total domestic deposits to total assets | 87.7388% | 2,206 |
| Equity capital to assets | 11.5079% | 2,672 |
| Core capital (leverage) ratio | 11.0396% | 2,352 |
| Tier 1 risk-based capital ratio | 19.1016% | 1,898 |
| Total risk-based capital ratio | 20.3526% | 1,876 |
| Memoranda: | ||
| Average total assets | $374,562,750 | 1,739 |
| Average earning assets | $343,073,750 | 1,737 |
| Average equity | $39,811,750 | 1,692 |
| Average total loans | $180,121,250 | 2,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 6,720 |
| Cost of funding earning assets | 0.3814% | 7,172 |
| Net interest margin | 3.5795% | 4,788 |
| Noninterest income to average assets | 1.0762% | 1,127 |
| Noninterest expense to average assets | 3.3214% | 2,492 |
| Loan and lease loss provision to assets | 0.2050% | 3,876 |
| Net operating income to assets | 0.8350% | 2,922 |
| Return on assets (ROA) | 0.8393% | 3,009 |
| Pretax return on assets | 0.8323% | 3,901 |
| Return on Equity (ROE) | 8.1175% | 2,895 |
| Retained earnings to average equity (ytd only) | 4.2030% | 3,522 |
| Net charge-offs to loans | 0.4134% | 2,900 |
| Credit loss provision to net charge-offs | 103.7736% | 2,978 |
| Earnings coverage of net charge-offs (x) | 5.2291% | 2,661 |
| Efficiency ratio | 76.2749% | 2,969 |
| Assets per employee ($millions) | 2.8963% | 6,308 |
| Cash dividends to net income (ytd only)* | 48.2234% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 4,007 |
| Loan loss allowance to noncurrent loans | 99.5625% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 4,484 |
| Noncurrent loans to loans | 1.5323% | 4,116 |
| Net loans and leases to total assets | 47.5494% | 6,101 |
| Net loans and leases to deposits | 53.7641% | 6,324 |
| Net loans and leases to core deposits | 54.7642% | 6,508 |
| Total domestic deposits to total assets | 88.4409% | 1,890 |
| Equity capital to assets | 10.9203% | 3,035 |
| Core capital (leverage) ratio | 10.6300% | 2,585 |
| Tier 1 risk-based capital ratio | 19.0331% | 1,833 |
| Total risk-based capital ratio | 20.2837% | 1,795 |
| Memoranda: | ||
| Average total assets | $375,566,000 | 1,739 |
| Average earning assets | $343,955,000 | 1,743 |
| Average equity | $38,829,670 | 1,725 |
| Average total loans | $179,496,330 | 2,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 6,833 |
| Cost of funding earning assets | 0.3839% | 7,255 |
| Net interest margin | 3.5067% | 4,981 |
| Noninterest income to average assets | 1.0138% | 1,287 |
| Noninterest expense to average assets | 3.3790% | 2,333 |
| Loan and lease loss provision to assets | 0.3217% | 2,619 |
| Net operating income to assets | 0.6625% | 3,694 |
| Return on assets (ROA) | 0.6625% | 3,767 |
| Pretax return on assets | 0.5228% | 4,948 |
| Return on Equity (ROE) | 6.5891% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.5893% | 4,611 |
| Net charge-offs to loans | 0.3605% | 2,620 |
| Credit loss provision to net charge-offs | 187.6543% | 1,563 |
| Earnings coverage of net charge-offs (x) | 4.9259% | 2,369 |
| Efficiency ratio | 80.0050% | 2,532 |
| Assets per employee ($millions) | 3.0094% | 6,124 |
| Cash dividends to net income (ytd only)* | 60.7029% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 3,688 |
| Loan loss allowance to noncurrent loans | 118.1405% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.7859% | 3,594 |
| Noncurrent loans to loans | 1.3630% | 4,433 |
| Net loans and leases to total assets | 46.4404% | 6,246 |
| Net loans and leases to deposits | 52.2229% | 6,457 |
| Net loans and leases to core deposits | 53.1739% | 6,609 |
| Total domestic deposits to total assets | 88.9273% | 1,813 |
| Equity capital to assets | 10.3416% | 3,359 |
| Core capital (leverage) ratio | 10.6819% | 2,446 |
| Tier 1 risk-based capital ratio | 18.8880% | 1,826 |
| Total risk-based capital ratio | 20.1393% | 1,797 |
| Memoranda: | ||
| Average total assets | $377,984,000 | 1,741 |
| Average earning assets | $345,967,500 | 1,739 |
| Average equity | $38,002,000 | 1,749 |
| Average total loans | $179,739,000 | 2,313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 6,890 |
| Cost of funding earning assets | 0.4838% | 7,320 |
| Net interest margin | 3.7402% | 4,176 |
| Noninterest income to average assets | 1.0706% | 1,307 |
| Noninterest expense to average assets | 3.3548% | 2,569 |
| Loan and lease loss provision to assets | 0.3091% | 4,329 |
| Net operating income to assets | 0.8293% | 2,674 |
| Return on assets (ROA) | 0.8467% | 2,742 |
| Pretax return on assets | 0.8394% | 3,500 |
| Return on Equity (ROE) | 8.3061% | 2,577 |
| Retained earnings to average equity (ytd only) | 4.2595% | 2,863 |
| Net charge-offs to loans | 0.5312% | 3,499 |
| Credit loss provision to net charge-offs | 114.3574% | 3,795 |
| Earnings coverage of net charge-offs (x) | 4.1847% | 3,028 |
| Efficiency ratio | 74.7852% | 3,239 |
| Assets per employee ($millions) | 3.0143% | 6,073 |
| Cash dividends to net income (ytd only)* | 48.7179% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 4,046 |
| Loan loss allowance to noncurrent loans | 88.6497% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 3,680 |
| Noncurrent loans to loans | 1.6853% | 3,974 |
| Net loans and leases to total assets | 47.1846% | 6,459 |
| Net loans and leases to deposits | 52.6968% | 6,693 |
| Net loans and leases to core deposits | 53.6717% | 6,830 |
| Total domestic deposits to total assets | 89.5397% | 1,363 |
| Equity capital to assets | 9.7689% | 4,034 |
| Core capital (leverage) ratio | 10.4868% | 2,572 |
| Tier 1 risk-based capital ratio | 18.3858% | 1,882 |
| Total risk-based capital ratio | 19.6359% | 1,841 |
| Memoranda: | ||
| Average total assets | $368,482,400 | 1,785 |
| Average earning assets | $336,479,200 | 1,770 |
| Average equity | $37,562,800 | 1,755 |
| Average total loans | $187,512,000 | 2,271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 6,957 |
| Cost of funding earning assets | 0.5009% | 7,447 |
| Net interest margin | 3.8126% | 3,920 |
| Noninterest income to average assets | 1.2212% | 930 |
| Noninterest expense to average assets | 3.5187% | 1,995 |
| Loan and lease loss provision to assets | 0.3034% | 4,149 |
| Net operating income to assets | 0.8474% | 2,818 |
| Return on assets (ROA) | 0.8700% | 2,869 |
| Pretax return on assets | 0.8974% | 3,569 |
| Return on Equity (ROE) | 8.4433% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,396 |
| Net charge-offs to loans | 0.4969% | 3,288 |
| Credit loss provision to net charge-offs | 118.1818% | 3,510 |
| Earnings coverage of net charge-offs (x) | 4.5867% | 2,985 |
| Efficiency ratio | 74.9282% | 3,159 |
| Assets per employee ($millions) | 2.8211% | 6,546 |
| Cash dividends to net income (ytd only)* | 47.7787% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 4,133 |
| Loan loss allowance to noncurrent loans | 86.6303% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.2769% | 3,111 |
| Noncurrent loans to loans | 1.6906% | 4,101 |
| Net loans and leases to total assets | 51.5518% | 6,153 |
| Net loans and leases to deposits | 58.7470% | 6,405 |
| Net loans and leases to core deposits | 59.8741% | 6,615 |
| Total domestic deposits to total assets | 87.7521% | 2,129 |
| Equity capital to assets | 11.1643% | 2,804 |
| Core capital (leverage) ratio | 11.1213% | 2,181 |
| Tier 1 risk-based capital ratio | 18.4218% | 1,890 |
| Total risk-based capital ratio | 19.6724% | 1,856 |
| Memoranda: | ||
| Average total assets | $365,653,500 | 1,810 |
| Average earning assets | $333,269,500 | 1,818 |
| Average equity | $37,678,000 | 1,767 |
| Average total loans | $188,909,000 | 2,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 7,084 |
| Cost of funding earning assets | 0.5156% | 7,523 |
| Net interest margin | 3.7628% | 4,079 |
| Noninterest income to average assets | 1.1957% | 904 |
| Noninterest expense to average assets | 3.5125% | 2,001 |
| Loan and lease loss provision to assets | 0.2822% | 4,148 |
| Net operating income to assets | 0.8185% | 2,885 |
| Return on assets (ROA) | 0.8524% | 2,873 |
| Pretax return on assets | 0.8714% | 3,617 |
| Return on Equity (ROE) | 8.4981% | 2,670 |
| Retained earnings to average equity (ytd only) | 4.4026% | 3,274 |
| Net charge-offs to loans | 0.3845% | 3,440 |
| Credit loss provision to net charge-offs | 142.6230% | 2,787 |
| Earnings coverage of net charge-offs (x) | 5.6557% | 2,621 |
| Efficiency ratio | 75.8403% | 3,099 |
| Assets per employee ($millions) | 2.8099% | 6,552 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 4,121 |
| Loan loss allowance to noncurrent loans | 65.9420% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 2.4707% | 2,909 |
| Noncurrent loans to loans | 2.2146% | 3,468 |
| Net loans and leases to total assets | 51.6201% | 6,252 |
| Net loans and leases to deposits | 58.2460% | 6,559 |
| Net loans and leases to core deposits | 59.6392% | 6,734 |
| Total domestic deposits to total assets | 88.6242% | 1,658 |
| Equity capital to assets | 10.4407% | 3,483 |
| Core capital (leverage) ratio | 10.4789% | 2,647 |
| Tier 1 risk-based capital ratio | 17.6285% | 2,068 |
| Total risk-based capital ratio | 18.8784% | 2,033 |
| Memoranda: | ||
| Average total assets | $369,994,000 | 1,810 |
| Average earning assets | $337,830,330 | 1,813 |
| Average equity | $37,114,330 | 1,798 |
| Average total loans | $190,382,000 | 2,309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 7,272 |
| Cost of funding earning assets | 0.5273% | 7,632 |
| Net interest margin | 3.6657% | 4,408 |
| Noninterest income to average assets | 1.1185% | 1,001 |
| Noninterest expense to average assets | 3.2707% | 2,631 |
| Loan and lease loss provision to assets | 0.3293% | 3,425 |
| Net operating income to assets | 0.8519% | 2,746 |
| Return on assets (ROA) | 0.8519% | 2,838 |
| Pretax return on assets | 0.8785% | 3,543 |
| Return on Equity (ROE) | 8.6604% | 2,602 |
| Retained earnings to average equity (ytd only) | 4.5570% | 3,418 |
| Net charge-offs to loans | 0.2540% | 3,419 |
| Credit loss provision to net charge-offs | 254.0984% | 1,523 |
| Earnings coverage of net charge-offs (x) | 9.3197% | 1,872 |
| Efficiency ratio | 73.0313% | 3,752 |
| Assets per employee ($millions) | 2.8282% | 6,577 |
| Cash dividends to net income (ytd only)* | 47.3815% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 4,179 |
| Loan loss allowance to noncurrent loans | 80.4601% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 2.0713% | 3,420 |
| Noncurrent loans to loans | 1.7981% | 4,054 |
| Net loans and leases to total assets | 51.5900% | 6,311 |
| Net loans and leases to deposits | 58.1051% | 6,619 |
| Net loans and leases to core deposits | 59.5058% | 6,780 |
| Total domestic deposits to total assets | 88.7874% | 1,626 |
| Equity capital to assets | 10.2217% | 3,574 |
| Core capital (leverage) ratio | 10.3647% | 2,750 |
| Tier 1 risk-based capital ratio | 17.1918% | 2,200 |
| Total risk-based capital ratio | 18.4420% | 2,152 |
| Memoranda: | ||
| Average total assets | $376,559,500 | 1,821 |
| Average earning assets | $345,149,000 | 1,813 |
| Average equity | $37,042,000 | 1,817 |
| Average total loans | $192,101,500 | 2,349 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 7,495 |
| Cost of funding earning assets | 0.8274% | 7,513 |
| Net interest margin | 3.5556% | 4,723 |
| Noninterest income to average assets | 1.2324% | 995 |
| Noninterest expense to average assets | 3.4219% | 2,612 |
| Loan and lease loss provision to assets | 0.3898% | 4,453 |
| Net operating income to assets | 0.7341% | 2,796 |
| Return on assets (ROA) | 0.7507% | 2,807 |
| Pretax return on assets | 0.7052% | 3,553 |
| Return on Equity (ROE) | 7.5000% | 2,581 |
| Retained earnings to average equity (ytd only) | 3.2286% | 2,899 |
| Net charge-offs to loans | 0.8957% | 2,602 |
| Credit loss provision to net charge-offs | 82.6855% | 6,227 |
| Earnings coverage of net charge-offs (x) | 2.2874% | 4,014 |
| Efficiency ratio | 76.0380% | 3,520 |
| Assets per employee ($millions) | 2.9868% | 6,254 |
| Cash dividends to net income (ytd only)* | 56.9527% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 4,580 |
| Loan loss allowance to noncurrent loans | 78.8603% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7822% | 3,698 |
| Noncurrent loans to loans | 1.6893% | 4,113 |
| Net loans and leases to total assets | 49.1000% | 6,720 |
| Net loans and leases to deposits | 54.7277% | 7,003 |
| Net loans and leases to core deposits | 58.1653% | 7,339 |
| Total domestic deposits to total assets | 89.7169% | 1,098 |
| Equity capital to assets | 9.4754% | 4,447 |
| Core capital (leverage) ratio | 9.7901% | 3,332 |
| Tier 1 risk-based capital ratio | 16.9382% | 2,167 |
| Total risk-based capital ratio | 18.0993% | 2,162 |
| Memoranda: | ||
| Average total assets | $360,184,000 | 1,885 |
| Average earning assets | $331,025,000 | 1,875 |
| Average equity | $36,053,200 | 1,868 |
| Average total loans | $189,567,200 | 2,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 7,614 |
| Cost of funding earning assets | 0.9088% | 7,538 |
| Net interest margin | 3.4869% | 4,914 |
| Noninterest income to average assets | 1.1813% | 1,120 |
| Noninterest expense to average assets | 3.2951% | 2,937 |
| Loan and lease loss provision to assets | 0.3005% | 4,567 |
| Net operating income to assets | 0.7606% | 2,981 |
| Return on assets (ROA) | 0.7766% | 2,971 |
| Pretax return on assets | 0.8064% | 3,516 |
| Return on Equity (ROE) | 7.6462% | 2,797 |
| Retained earnings to average equity (ytd only) | 3.3715% | 3,419 |
| Net charge-offs to loans | 0.6219% | 2,813 |
| Credit loss provision to net charge-offs | 90.4545% | 5,474 |
| Earnings coverage of net charge-offs (x) | 3.2818% | 3,597 |
| Efficiency ratio | 75.1377% | 3,667 |
| Assets per employee ($millions) | 2.8715% | 6,476 |
| Cash dividends to net income (ytd only)* | 55.9068% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 4,054 |
| Loan loss allowance to noncurrent loans | 29.0753% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 3.1099% | 2,201 |
| Noncurrent loans to loans | 4.7487% | 1,438 |
| Net loans and leases to total assets | 50.3846% | 6,750 |
| Net loans and leases to deposits | 56.6891% | 7,047 |
| Net loans and leases to core deposits | 60.6756% | 7,375 |
| Total domestic deposits to total assets | 88.8787% | 1,251 |
| Equity capital to assets | 10.3514% | 3,678 |
| Core capital (leverage) ratio | 10.1350% | 3,134 |
| Tier 1 risk-based capital ratio | 17.3672% | 2,160 |
| Total risk-based capital ratio | 18.5841% | 2,119 |
| Memoranda: | ||
| Average total assets | $353,160,250 | 1,936 |
| Average earning assets | $324,521,000 | 1,934 |
| Average equity | $35,868,750 | 1,897 |
| Average total loans | $188,654,250 | 2,439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 7,686 |
| Cost of funding earning assets | 0.9747% | 7,591 |
| Net interest margin | 3.4601% | 4,966 |
| Noninterest income to average assets | 1.1698% | 1,144 |
| Noninterest expense to average assets | 3.3108% | 2,912 |
| Loan and lease loss provision to assets | 0.2758% | 4,373 |
| Net operating income to assets | 0.7388% | 3,099 |
| Return on assets (ROA) | 0.7634% | 3,104 |
| Pretax return on assets | 0.7864% | 3,715 |
| Return on Equity (ROE) | 7.5677% | 2,940 |
| Retained earnings to average equity (ytd only) | 3.1732% | 3,552 |
| Net charge-offs to loans | 0.6888% | 2,326 |
| Credit loss provision to net charge-offs | 73.8059% | 5,344 |
| Earnings coverage of net charge-offs (x) | 2.7750% | 3,699 |
| Efficiency ratio | 76.1520% | 3,665 |
| Assets per employee ($millions) | 2.7751% | 6,687 |
| Cash dividends to net income (ytd only)* | 58.0694% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 4,047 |
| Loan loss allowance to noncurrent loans | 20.3479% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 3.5634% | 1,748 |
| Noncurrent loans to loans | 6.5774% | 792 |
| Net loans and leases to total assets | 52.8555% | 6,584 |
| Net loans and leases to deposits | 59.3296% | 6,943 |
| Net loans and leases to core deposits | 63.8938% | 7,305 |
| Total domestic deposits to total assets | 89.0878% | 1,226 |
| Equity capital to assets | 10.0473% | 3,875 |
| Core capital (leverage) ratio | 10.4875% | 2,823 |
| Tier 1 risk-based capital ratio | 17.4038% | 2,175 |
| Total risk-based capital ratio | 18.5942% | 2,137 |
| Memoranda: | ||
| Average total assets | $347,405,330 | 1,991 |
| Average earning assets | $319,065,330 | 1,993 |
| Average equity | $35,043,670 | 1,937 |
| Average total loans | $188,455,670 | 2,470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 7,796 |
| Cost of funding earning assets | 1.0274% | 7,631 |
| Net interest margin | 3.3726% | 5,246 |
| Noninterest income to average assets | 1.0879% | 1,261 |
| Noninterest expense to average assets | 3.2208% | 2,897 |
| Loan and lease loss provision to assets | 0.2749% | 3,766 |
| Net operating income to assets | 0.6831% | 3,641 |
| Return on assets (ROA) | 0.6831% | 3,828 |
| Pretax return on assets | 0.6912% | 4,462 |
| Return on Equity (ROE) | 6.7585% | 3,694 |
| Retained earnings to average equity (ytd only) | 2.2834% | 4,606 |
| Net charge-offs to loans | 0.5694% | 2,042 |
| Credit loss provision to net charge-offs | 88.4328% | 4,034 |
| Earnings coverage of net charge-offs (x) | 3.1082% | 3,284 |
| Efficiency ratio | 76.9252% | 3,341 |
| Assets per employee ($millions) | 2.8206% | 6,594 |
| Cash dividends to net income (ytd only)* | 66.2139% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,416 |
| Loan loss allowance to noncurrent loans | 18.6682% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 4.1164% | 1,229 |
| Noncurrent loans to loans | 7.5839% | 496 |
| Net loans and leases to total assets | 53.5096% | 6,526 |
| Net loans and leases to deposits | 60.1157% | 6,886 |
| Net loans and leases to core deposits | 64.3838% | 7,300 |
| Total domestic deposits to total assets | 89.0110% | 1,224 |
| Equity capital to assets | 10.1649% | 3,806 |
| Core capital (leverage) ratio | 10.8976% | 2,587 |
| Tier 1 risk-based capital ratio | 17.6004% | 2,154 |
| Total risk-based capital ratio | 18.8509% | 2,097 |
| Memoranda: | ||
| Average total assets | $344,887,000 | 2,014 |
| Average earning assets | $316,903,000 | 2,010 |
| Average equity | $34,860,000 | 1,955 |
| Average total loans | $188,277,500 | 2,492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 7,744 |
| Cost of funding earning assets | 1.5209% | 7,574 |
| Net interest margin | 3.6076% | 4,851 |
| Noninterest income to average assets | 1.2413% | 966 |
| Noninterest expense to average assets | 3.2178% | 3,272 |
| Loan and lease loss provision to assets | 0.5028% | 2,800 |
| Net operating income to assets | 0.7353% | 3,738 |
| Return on assets (ROA) | 0.7397% | 3,556 |
| Pretax return on assets | 0.7705% | 4,179 |
| Return on Equity (ROE) | 6.7038% | 3,672 |
| Retained earnings to average equity (ytd only) | -5.1812% | 6,538 |
| Net charge-offs to loans | 0.3469% | 3,099 |
| Credit loss provision to net charge-offs | 262.1622% | 1,769 |
| Earnings coverage of net charge-offs (x) | 6.6153% | 3,320 |
| Efficiency ratio | 71.7208% | 3,990 |
| Assets per employee ($millions) | 2.7210% | 6,737 |
| Cash dividends to net income (ytd only)* | 177.2877% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 3,017 |
| Loan loss allowance to noncurrent loans | 25.5834% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 3.0749% | 1,494 |
| Noncurrent loans to loans | 5.6001% | 711 |
| Net loans and leases to total assets | 54.1211% | 6,640 |
| Net loans and leases to deposits | 60.7328% | 7,032 |
| Net loans and leases to core deposits | 64.5137% | 7,421 |
| Total domestic deposits to total assets | 89.1134% | 1,000 |
| Equity capital to assets | 10.0498% | 3,974 |
| Core capital (leverage) ratio | 10.8813% | 2,684 |
| Tier 1 risk-based capital ratio | 17.3610% | 2,213 |
| Total risk-based capital ratio | 18.6113% | 2,171 |
| Memoranda: | ||
| Average total assets | $327,958,800 | 2,036 |
| Average earning assets | $295,019,600 | 2,076 |
| Average equity | $36,188,600 | 1,864 |
| Average total loans | $181,324,200 | 2,487 |