Home > Independence Bank > Performance and Condition Ratios
Independence Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 1,602 |
| Cost of funding earning assets | 1.5207% | 1,892 |
| Net interest margin | 3.7123% | 1,738 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.7985% | 4,010 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4710% | 1,077 |
| Return on assets (ROA) | 1.4703% | 1,051 |
| Pretax return on assets | 1.9656% | 708 |
| Return on Equity (ROE) | 14.5500% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.5728% | 1,120 |
| Net charge-offs to loans | 0.0213% | 1,912 |
| Credit loss provision to net charge-offs | 382.8729% | 805 |
| Earnings coverage of net charge-offs (x) | 132.6740% | 772 |
| Efficiency ratio | 47.0392% | 4,148 |
| Assets per employee ($millions) | 8.3657% | 1,242 |
| Cash dividends to net income (ytd only)* | 34.2108% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,169 |
| Loan loss allowance to noncurrent loans | 367.6977% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 1,769 |
| Noncurrent loans to loans | 0.3976% | 1,790 |
| Net loans and leases to total assets | 71.0000% | 1,703 |
| Net loans and leases to deposits | 80.3187% | 2,075 |
| Net loans and leases to core deposits | 96.3951% | 1,632 |
| Total domestic deposits to total assets | 88.4000% | 1,232 |
| Equity capital to assets | 10.8640% | 1,546 |
| Core capital (leverage) ratio | 12.4822% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8817% | 1,097 |
| Memoranda: | ||
| Average total assets | $1,185,909,600 | 863 |
| Average earning assets | $1,134,648,000 | 831 |
| Average equity | $119,829,600 | 826 |
| Average total loans | $848,070,400 | 828 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 1,558 |
| Cost of funding earning assets | 1.4208% | 1,808 |
| Net interest margin | 3.7197% | 1,739 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.7343% | 4,074 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5372% | 1,049 |
| Return on assets (ROA) | 1.5362% | 1,038 |
| Pretax return on assets | 2.0790% | 685 |
| Return on Equity (ROE) | 15.5000% | 1,346 |
| Retained earnings to average equity (ytd only) | 8.8310% | 1,733 |
| Net charge-offs to loans | 0.0092% | 2,064 |
| Credit loss provision to net charge-offs | 308.6207% | 866 |
| Earnings coverage of net charge-offs (x) | 321.3966% | 428 |
| Efficiency ratio | 45.2267% | 4,176 |
| Assets per employee ($millions) | 8.5984% | 1,084 |
| Cash dividends to net income (ytd only)* | 43.0175% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,495 |
| Loan loss allowance to noncurrent loans | 338.0399% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 1,759 |
| Noncurrent loans to loans | 0.4105% | 1,801 |
| Net loans and leases to total assets | 73.1200% | 1,460 |
| Net loans and leases to deposits | 81.7453% | 1,921 |
| Net loans and leases to core deposits | 97.7798% | 1,458 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 9.9688% | 1,846 |
| Core capital (leverage) ratio | 12.4176% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1233% | 1,289 |
| Memoranda: | ||
| Average total assets | $1,183,313,000 | 868 |
| Average earning assets | $1,131,913,500 | 834 |
| Average equity | $117,295,750 | 837 |
| Average total loans | $844,590,250 | 828 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,593 |
| Cost of funding earning assets | 1.2920% | 1,731 |
| Net interest margin | 3.6899% | 1,836 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.7433% | 4,092 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.5346% | 1,045 |
| Return on assets (ROA) | 1.5346% | 1,040 |
| Pretax return on assets | 2.0774% | 653 |
| Return on Equity (ROE) | 15.5100% | 1,359 |
| Retained earnings to average equity (ytd only) | 5.4820% | 2,794 |
| Net charge-offs to loans | 0.0110% | 1,788 |
| Credit loss provision to net charge-offs | 134.7826% | 1,266 |
| Earnings coverage of net charge-offs (x) | 268.3043% | 493 |
| Efficiency ratio | 45.5027% | 4,184 |
| Assets per employee ($millions) | 8.6438% | 1,025 |
| Cash dividends to net income (ytd only)* | 64.6566% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,579 |
| Loan loss allowance to noncurrent loans | 304.6816% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 1,577 |
| Noncurrent loans to loans | 0.4551% | 1,575 |
| Net loans and leases to total assets | 72.7000% | 1,448 |
| Net loans and leases to deposits | 81.2881% | 1,888 |
| Net loans and leases to core deposits | 95.3673% | 1,504 |
| Total domestic deposits to total assets | 89.4400% | 1,097 |
| Equity capital to assets | 10.0202% | 1,852 |
| Core capital (leverage) ratio | 12.2114% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4489% | 1,440 |
| Memoranda: | ||
| Average total assets | $1,182,225,000 | 860 |
| Average earning assets | $1,133,103,667 | 825 |
| Average equity | $116,965,333 | 833 |
| Average total loans | $832,830,667 | 823 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 1,479 |
| Cost of funding earning assets | 1.1564% | 1,571 |
| Net interest margin | 3.7072% | 1,883 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.6698% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5922% | 997 |
| Return on assets (ROA) | 1.5922% | 994 |
| Pretax return on assets | 2.1648% | 599 |
| Return on Equity (ROE) | 16.2000% | 1,315 |
| Retained earnings to average equity (ytd only) | 1.7637% | 3,738 |
| Net charge-offs to loans | -0.0015% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.5447% | 4,323 |
| Assets per employee ($millions) | 8.7516% | 1,033 |
| Cash dividends to net income (ytd only)* | 89.1110% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,349 |
| Loan loss allowance to noncurrent loans | 386.2025% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 1,815 |
| Noncurrent loans to loans | 0.3827% | 1,783 |
| Net loans and leases to total assets | 68.2300% | 1,810 |
| Net loans and leases to deposits | 76.2951% | 2,089 |
| Net loans and leases to core deposits | 84.7798% | 1,939 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 9.8774% | 1,883 |
| Core capital (leverage) ratio | 11.9119% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8587% | 1,408 |
| Memoranda: | ||
| Average total assets | $1,181,240,000 | 875 |
| Average earning assets | $1,133,564,000 | 844 |
| Average equity | $116,118,500 | 847 |
| Average total loans | $812,716,500 | 847 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 1,530 |
| Cost of funding earning assets | 0.4920% | 1,452 |
| Net interest margin | 3.5835% | 1,689 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.6062% | 4,299 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4937% | 894 |
| Return on assets (ROA) | 1.4937% | 860 |
| Pretax return on assets | 2.0076% | 473 |
| Return on Equity (ROE) | 15.1000% | 1,233 |
| Retained earnings to average equity (ytd only) | 10.3158% | 1,066 |
| Net charge-offs to loans | -0.0306% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.1082% | 4,426 |
| Assets per employee ($millions) | 8.8135% | 970 |
| Cash dividends to net income (ytd only)* | 31.6685% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,214 |
| Loan loss allowance to noncurrent loans | 1,447.7844% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,085 |
| Noncurrent loans to loans | 0.1034% | 3,032 |
| Net loans and leases to total assets | 67.3300% | 1,900 |
| Net loans and leases to deposits | 75.0386% | 2,176 |
| Net loans and leases to core deposits | 83.6690% | 1,893 |
| Total domestic deposits to total assets | 89.7200% | 1,475 |
| Equity capital to assets | 9.7831% | 1,834 |
| Core capital (leverage) ratio | 11.9149% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1162% | 1,344 |
| Memoranda: | ||
| Average total assets | $1,176,900,000 | 869 |
| Average earning assets | $1,134,703,800 | 831 |
| Average equity | $116,442,400 | 836 |
| Average total loans | $781,435,400 | 832 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 1,481 |
| Cost of funding earning assets | 0.3649% | 1,567 |
| Net interest margin | 3.5361% | 1,557 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.5203% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5194% | 808 |
| Return on assets (ROA) | 1.5194% | 786 |
| Pretax return on assets | 2.0665% | 405 |
| Return on Equity (ROE) | 15.3100% | 1,110 |
| Retained earnings to average equity (ytd only) | 9.3231% | 1,545 |
| Net charge-offs to loans | -0.0425% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.3647% | 4,514 |
| Assets per employee ($millions) | 8.6307% | 1,014 |
| Cash dividends to net income (ytd only)* | 39.1194% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,451 |
| Loan loss allowance to noncurrent loans | 985.5351% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 2,925 |
| Noncurrent loans to loans | 0.1472% | 2,874 |
| Net loans and leases to total assets | 69.2300% | 1,544 |
| Net loans and leases to deposits | 76.8915% | 1,804 |
| Net loans and leases to core deposits | 88.9643% | 1,361 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 9.5205% | 1,872 |
| Core capital (leverage) ratio | 11.6485% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6056% | 1,534 |
| Memoranda: | ||
| Average total assets | $1,175,872,000 | 871 |
| Average earning assets | $1,135,105,500 | 839 |
| Average equity | $116,668,250 | 850 |
| Average total loans | $774,987,250 | 835 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 1,592 |
| Cost of funding earning assets | 0.2612% | 2,129 |
| Net interest margin | 3.4183% | 1,543 |
| Noninterest income to average assets | 0.1585% | 4,223 |
| Noninterest expense to average assets | 1.4091% | 4,518 |
| Loan and lease loss provision to assets | 0.0008% | 2,589 |
| Net operating income to assets | 1.5004% | 707 |
| Return on assets (ROA) | 1.5004% | 686 |
| Pretax return on assets | 2.0581% | 335 |
| Return on Equity (ROE) | 14.9257% | 910 |
| Retained earnings to average equity (ytd only) | 6.6097% | 2,127 |
| Net charge-offs to loans | -0.0669% | 4,334 |
| Credit loss provision to net charge-offs | -1.9608% | 2,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6302% | 4,599 |
| Assets per employee ($millions) | 9.0054% | 887 |
| Cash dividends to net income (ytd only)* | 55.7159% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,423 |
| Loan loss allowance to noncurrent loans | 1,544.4299% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,321 |
| Noncurrent loans to loans | 0.0967% | 3,282 |
| Net loans and leases to total assets | 66.8795% | 1,599 |
| Net loans and leases to deposits | 74.2945% | 1,836 |
| Net loans and leases to core deposits | 95.9370% | 832 |
| Total domestic deposits to total assets | 90.0195% | 1,698 |
| Equity capital to assets | 9.4123% | 2,087 |
| Core capital (leverage) ratio | 11.3614% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6372% | 1,527 |
| Memoranda: | ||
| Average total assets | $1,182,324,667 | 865 |
| Average earning assets | $1,144,727,667 | 833 |
| Average equity | $118,855,667 | 847 |
| Average total loans | $762,490,333 | 834 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 1,613 |
| Cost of funding earning assets | 0.2145% | 2,604 |
| Net interest margin | 3.3480% | 1,446 |
| Noninterest income to average assets | 0.1509% | 4,244 |
| Noninterest expense to average assets | 1.3885% | 4,552 |
| Loan and lease loss provision to assets | 0.0017% | 2,264 |
| Net operating income to assets | 1.4717% | 675 |
| Return on assets (ROA) | 1.4717% | 669 |
| Pretax return on assets | 2.0120% | 344 |
| Return on Equity (ROE) | 14.1993% | 796 |
| Retained earnings to average equity (ytd only) | 0.8672% | 3,852 |
| Net charge-offs to loans | -0.0128% | 3,690 |
| Credit loss provision to net charge-offs | -20.8333% | 2,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8123% | 4,631 |
| Assets per employee ($millions) | 9.6430% | 745 |
| Cash dividends to net income (ytd only)* | 93.8924% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,409 |
| Loan loss allowance to noncurrent loans | 244.3528% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 1,492 |
| Noncurrent loans to loans | 0.6330% | 1,486 |
| Net loans and leases to total assets | 63.0267% | 1,737 |
| Net loans and leases to deposits | 70.5342% | 1,912 |
| Net loans and leases to core deposits | 86.2993% | 1,110 |
| Total domestic deposits to total assets | 89.3563% | 1,896 |
| Equity capital to assets | 10.1294% | 1,807 |
| Core capital (leverage) ratio | 10.8094% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1873% | 1,464 |
| Memoranda: | ||
| Average total assets | $1,192,636,500 | 862 |
| Average earning assets | $1,158,198,000 | 826 |
| Average equity | $123,612,000 | 835 |
| Average total loans | $749,373,500 | 832 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 1,222 |
| Cost of funding earning assets | 0.2726% | 2,681 |
| Net interest margin | 3.7906% | 1,031 |
| Noninterest income to average assets | 0.1707% | 4,301 |
| Noninterest expense to average assets | 1.6281% | 4,389 |
| Loan and lease loss provision to assets | 0.0965% | 1,286 |
| Net operating income to assets | 1.5766% | 866 |
| Return on assets (ROA) | 1.5627% | 919 |
| Pretax return on assets | 2.1106% | 483 |
| Return on Equity (ROE) | 13.8877% | 1,220 |
| Retained earnings to average equity (ytd only) | 10.6222% | 779 |
| Net charge-offs to loans | 0.0018% | 2,588 |
| Credit loss provision to net charge-offs | 8,115.3846% | 87 |
| Earnings coverage of net charge-offs (x) | 1,871.2308% | 75 |
| Efficiency ratio | 42.2583% | 4,629 |
| Assets per employee ($millions) | 10.2393% | 621 |
| Cash dividends to net income (ytd only)* | 23.5136% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,446 |
| Loan loss allowance to noncurrent loans | 288,100.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,217 |
| Noncurrent loans to loans | 0.0005% | 4,137 |
| Net loans and leases to total assets | 60.7543% | 2,086 |
| Net loans and leases to deposits | 68.2654% | 2,288 |
| Net loans and leases to core deposits | 84.6014% | 1,288 |
| Total domestic deposits to total assets | 88.9972% | 1,519 |
| Equity capital to assets | 10.5898% | 2,097 |
| Core capital (leverage) ratio | 10.8189% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5774% | 1,368 |
| Memoranda: | ||
| Average total assets | $1,093,478,000 | 896 |
| Average earning assets | $1,062,151,000 | 859 |
| Average equity | $123,044,000 | 842 |
| Average total loans | $733,545,000 | 845 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 1,107 |
| Cost of funding earning assets | 0.2891% | 2,697 |
| Net interest margin | 3.9107% | 919 |
| Noninterest income to average assets | 0.1839% | 4,274 |
| Noninterest expense to average assets | 1.5755% | 4,496 |
| Loan and lease loss provision to assets | 0.0556% | 1,869 |
| Net operating income to assets | 1.7133% | 807 |
| Return on assets (ROA) | 1.7151% | 841 |
| Pretax return on assets | 2.3529% | 423 |
| Return on Equity (ROE) | 14.9887% | 1,141 |
| Retained earnings to average equity (ytd only) | 10.5811% | 1,154 |
| Net charge-offs to loans | 0.0013% | 2,382 |
| Credit loss provision to net charge-offs | 6,328.5714% | 125 |
| Earnings coverage of net charge-offs (x) | 2,738.5714% | 52 |
| Efficiency ratio | 39.5688% | 4,734 |
| Assets per employee ($millions) | 9.7660% | 689 |
| Cash dividends to net income (ytd only)* | 29.4057% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,852 |
| Loan loss allowance to noncurrent loans | 18,505.0847% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,222 |
| Noncurrent loans to loans | 0.0078% | 4,151 |
| Net loans and leases to total assets | 64.3300% | 1,729 |
| Net loans and leases to deposits | 72.8475% | 1,974 |
| Net loans and leases to core deposits | 94.6848% | 802 |
| Total domestic deposits to total assets | 88.3077% | 1,663 |
| Equity capital to assets | 10.9753% | 2,036 |
| Core capital (leverage) ratio | 10.8973% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2206% | 1,568 |
| Memoranda: | ||
| Average total assets | $1,062,228,500 | 929 |
| Average earning assets | $1,031,581,250 | 888 |
| Average equity | $121,546,500 | 866 |
| Average total loans | $728,981,250 | 865 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 1,224 |
| Cost of funding earning assets | 0.3055% | 2,736 |
| Net interest margin | 3.8702% | 1,027 |
| Noninterest income to average assets | 0.2031% | 4,189 |
| Noninterest expense to average assets | 1.5651% | 4,555 |
| Loan and lease loss provision to assets | 0.0027% | 2,823 |
| Net operating income to assets | 1.7533% | 793 |
| Return on assets (ROA) | 1.7560% | 828 |
| Pretax return on assets | 2.3959% | 415 |
| Return on Equity (ROE) | 15.1139% | 1,124 |
| Retained earnings to average equity (ytd only) | 8.5591% | 1,871 |
| Net charge-offs to loans | 0.0019% | 2,139 |
| Credit loss provision to net charge-offs | 200.0000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 1,760.2857% | 62 |
| Efficiency ratio | 39.5210% | 4,763 |
| Assets per employee ($millions) | 9.9764% | 610 |
| Cash dividends to net income (ytd only)* | 43.3695% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 2,010 |
| Loan loss allowance to noncurrent loans | 17,777.9661% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,282 |
| Noncurrent loans to loans | 0.0078% | 4,203 |
| Net loans and leases to total assets | 65.2973% | 1,789 |
| Net loans and leases to deposits | 74.0977% | 1,990 |
| Net loans and leases to core deposits | 96.0936% | 802 |
| Total domestic deposits to total assets | 88.1233% | 1,760 |
| Equity capital to assets | 10.7875% | 2,159 |
| Core capital (leverage) ratio | 11.4476% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1684% | 1,570 |
| Memoranda: | ||
| Average total assets | $1,028,918,667 | 945 |
| Average earning assets | $998,873,333 | 908 |
| Average equity | $119,545,333 | 872 |
| Average total loans | $719,130,333 | 878 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 1,315 |
| Cost of funding earning assets | 0.3413% | 2,604 |
| Net interest margin | 3.7940% | 1,153 |
| Noninterest income to average assets | 0.1908% | 4,245 |
| Noninterest expense to average assets | 1.6255% | 4,497 |
| Loan and lease loss provision to assets | 0.0008% | 2,735 |
| Net operating income to assets | 1.6329% | 1,055 |
| Return on assets (ROA) | 1.6329% | 1,106 |
| Pretax return on assets | 2.2415% | 644 |
| Return on Equity (ROE) | 13.4911% | 1,542 |
| Retained earnings to average equity (ytd only) | 0.2068% | 4,345 |
| Net charge-offs to loans | -0.0006% | 3,016 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0265% | 4,670 |
| Assets per employee ($millions) | 8.5927% | 957 |
| Cash dividends to net income (ytd only)* | 98.4670% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,665 |
| Loan loss allowance to noncurrent loans | 93.3494% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 629 |
| Noncurrent loans to loans | 1.5885% | 766 |
| Net loans and leases to total assets | 70.4959% | 1,230 |
| Net loans and leases to deposits | 80.9574% | 1,425 |
| Net loans and leases to core deposits | 104.4769% | 561 |
| Total domestic deposits to total assets | 87.0778% | 2,283 |
| Equity capital to assets | 11.8588% | 1,356 |
| Core capital (leverage) ratio | 11.9870% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6416% | 1,398 |
| Memoranda: | ||
| Average total assets | $974,720,500 | 976 |
| Average earning assets | $944,649,000 | 943 |
| Average equity | $117,974,000 | 875 |
| Average total loans | $702,133,000 | 897 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 506 |
| Cost of funding earning assets | 0.6184% | 2,193 |
| Net interest margin | 4.3634% | 441 |
| Noninterest income to average assets | 0.1766% | 4,403 |
| Noninterest expense to average assets | 1.8312% | 4,422 |
| Loan and lease loss provision to assets | 0.2773% | 1,379 |
| Net operating income to assets | 1.6721% | 536 |
| Return on assets (ROA) | 1.8200% | 400 |
| Pretax return on assets | 2.4672% | 200 |
| Return on Equity (ROE) | 14.1855% | 770 |
| Retained earnings to average equity (ytd only) | 9.3466% | 706 |
| Net charge-offs to loans | 0.0883% | 1,576 |
| Credit loss provision to net charge-offs | 388.6581% | 1,467 |
| Earnings coverage of net charge-offs (x) | 35.8403% | 1,471 |
| Efficiency ratio | 41.7277% | 4,841 |
| Assets per employee ($millions) | 8.2869% | 939 |
| Cash dividends to net income (ytd only)* | 34.1120% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,571 |
| Loan loss allowance to noncurrent loans | 292.5481% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,296 |
| Noncurrent loans to loans | 0.5139% | 2,431 |
| Net loans and leases to total assets | 71.4345% | 1,377 |
| Net loans and leases to deposits | 82.3786% | 1,620 |
| Net loans and leases to core deposits | 107.4621% | 589 |
| Total domestic deposits to total assets | 86.7149% | 2,071 |
| Equity capital to assets | 12.3547% | 1,393 |
| Core capital (leverage) ratio | 12.3034% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1957% | 1,216 |
| Memoranda: | ||
| Average total assets | $877,367,200 | 985 |
| Average earning assets | $846,881,600 | 957 |
| Average equity | $112,565,400 | 872 |
| Average total loans | $708,866,200 | 862 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 509 |
| Cost of funding earning assets | 0.6892% | 2,093 |
| Net interest margin | 4.4044% | 469 |
| Noninterest income to average assets | 0.1941% | 4,312 |
| Noninterest expense to average assets | 1.7811% | 4,525 |
| Loan and lease loss provision to assets | 0.2630% | 1,545 |
| Net operating income to assets | 1.6867% | 590 |
| Return on assets (ROA) | 1.8888% | 418 |
| Pretax return on assets | 2.6540% | 166 |
| Return on Equity (ROE) | 14.5705% | 776 |
| Retained earnings to average equity (ytd only) | 9.3198% | 903 |
| Net charge-offs to loans | 0.0642% | 1,693 |
| Credit loss provision to net charge-offs | 492.4198% | 1,300 |
| Earnings coverage of net charge-offs (x) | 49.8338% | 1,195 |
| Efficiency ratio | 40.0939% | 4,891 |
| Assets per employee ($millions) | 7.9369% | 1,024 |
| Cash dividends to net income (ytd only)* | 36.0369% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,080 |
| Loan loss allowance to noncurrent loans | 105.2626% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 1,030 |
| Noncurrent loans to loans | 1.2536% | 1,203 |
| Net loans and leases to total assets | 82.1052% | 423 |
| Net loans and leases to deposits | 96.2039% | 745 |
| Net loans and leases to core deposits | 128.6130% | 260 |
| Total domestic deposits to total assets | 85.3450% | 2,304 |
| Equity capital to assets | 12.6945% | 1,336 |
| Core capital (leverage) ratio | 12.4896% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2061% | 1,450 |
| Memoranda: | ||
| Average total assets | $856,388,250 | 993 |
| Average earning assets | $826,003,750 | 965 |
| Average equity | $111,015,750 | 879 |
| Average total loans | $711,790,250 | 859 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 616 |
| Cost of funding earning assets | 0.7872% | 1,892 |
| Net interest margin | 4.3740% | 653 |
| Noninterest income to average assets | 0.2137% | 4,208 |
| Noninterest expense to average assets | 1.7989% | 4,557 |
| Loan and lease loss provision to assets | 0.2820% | 1,523 |
| Net operating income to assets | 1.6797% | 640 |
| Return on assets (ROA) | 1.8615% | 484 |
| Pretax return on assets | 2.5819% | 187 |
| Return on Equity (ROE) | 14.2525% | 842 |
| Retained earnings to average equity (ytd only) | 7.2579% | 1,553 |
| Net charge-offs to loans | 0.1063% | 1,227 |
| Credit loss provision to net charge-offs | 319.1892% | 1,570 |
| Earnings coverage of net charge-offs (x) | 29.8108% | 1,440 |
| Efficiency ratio | 40.5839% | 4,901 |
| Assets per employee ($millions) | 8.4322% | 831 |
| Cash dividends to net income (ytd only)* | 49.0764% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,180 |
| Loan loss allowance to noncurrent loans | 237.3280% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 2,509 |
| Noncurrent loans to loans | 0.5327% | 2,569 |
| Net loans and leases to total assets | 82.1094% | 404 |
| Net loans and leases to deposits | 96.3348% | 766 |
| Net loans and leases to core deposits | 128.6246% | 276 |
| Total domestic deposits to total assets | 85.2334% | 2,294 |
| Equity capital to assets | 12.4666% | 1,391 |
| Core capital (leverage) ratio | 12.5853% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7358% | 1,560 |
| Memoranda: | ||
| Average total assets | $837,602,667 | 995 |
| Average earning assets | $807,905,667 | 963 |
| Average equity | $109,398,333 | 883 |
| Average total loans | $695,909,667 | 860 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4237% | 441 |
| Cost of funding earning assets | 0.9642% | 1,589 |
| Net interest margin | 4.4595% | 552 |
| Noninterest income to average assets | 0.2205% | 4,231 |
| Noninterest expense to average assets | 1.9253% | 4,515 |
| Loan and lease loss provision to assets | 0.1003% | 2,428 |
| Net operating income to assets | 1.7529% | 453 |
| Return on assets (ROA) | 2.1245% | 236 |
| Pretax return on assets | 2.9615% | 94 |
| Return on Equity (ROE) | 15.8616% | 438 |
| Retained earnings to average equity (ytd only) | 1.6726% | 3,557 |
| Net charge-offs to loans | -0.0018% | 3,637 |
| Credit loss provision to net charge-offs | -6,733.3333% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6262% | 4,927 |
| Assets per employee ($millions) | 7.4724% | 903 |
| Cash dividends to net income (ytd only)* | 89.4552% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 1,999 |
| Loan loss allowance to noncurrent loans | 573.2731% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 3,673 |
| Noncurrent loans to loans | 0.2321% | 3,659 |
| Net loans and leases to total assets | 81.5978% | 488 |
| Net loans and leases to deposits | 96.8707% | 832 |
| Net loans and leases to core deposits | 126.9935% | 319 |
| Total domestic deposits to total assets | 84.2336% | 2,700 |
| Equity capital to assets | 13.3381% | 1,290 |
| Core capital (leverage) ratio | 13.3155% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1613% | 1,564 |
| Memoranda: | ||
| Average total assets | $805,281,000 | 997 |
| Average earning assets | $775,776,500 | 965 |
| Average equity | $107,858,000 | 887 |
| Average total loans | $668,707,000 | 863 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 454 |
| Cost of funding earning assets | 1.0957% | 1,343 |
| Net interest margin | 4.5304% | 679 |
| Noninterest income to average assets | 0.1870% | 4,547 |
| Noninterest expense to average assets | 1.9115% | 4,649 |
| Loan and lease loss provision to assets | 0.1139% | 1,850 |
| Net operating income to assets | 1.8740% | 455 |
| Return on assets (ROA) | 1.8749% | 475 |
| Pretax return on assets | 2.5192% | 204 |
| Return on Equity (ROE) | 14.3705% | 826 |
| Retained earnings to average equity (ytd only) | 10.3511% | 426 |
| Net charge-offs to loans | 0.0386% | 2,615 |
| Credit loss provision to net charge-offs | 350.3968% | 794 |
| Earnings coverage of net charge-offs (x) | 80.9841% | 781 |
| Efficiency ratio | 42.0705% | 5,027 |
| Assets per employee ($millions) | 7.4402% | 884 |
| Cash dividends to net income (ytd only)* | 27.9700% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 1,949 |
| Loan loss allowance to noncurrent loans | 550.0951% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,638 |
| Noncurrent loans to loans | 0.2354% | 3,604 |
| Net loans and leases to total assets | 82.3042% | 519 |
| Net loans and leases to deposits | 96.8622% | 855 |
| Net loans and leases to core deposits | 128.6099% | 294 |
| Total domestic deposits to total assets | 84.9704% | 2,505 |
| Equity capital to assets | 13.4498% | 1,297 |
| Core capital (leverage) ratio | 13.3423% | 1,102 |
| Tier 1 risk-based capital ratio | 14.8663% | 2,839 |
| Total risk-based capital ratio | 16.0892% | 2,778 |
| Memoranda: | ||
| Average total assets | $775,368,400 | 999 |
| Average earning assets | $745,609,800 | 965 |
| Average equity | $101,158,400 | 897 |
| Average total loans | $653,557,000 | 847 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6457% | 455 |
| Cost of funding earning assets | 1.1127% | 1,298 |
| Net interest margin | 4.5329% | 710 |
| Noninterest income to average assets | 0.1964% | 4,542 |
| Noninterest expense to average assets | 1.9071% | 4,690 |
| Loan and lease loss provision to assets | 0.0902% | 2,100 |
| Net operating income to assets | 1.8672% | 541 |
| Return on assets (ROA) | 1.8683% | 563 |
| Pretax return on assets | 2.5579% | 224 |
| Return on Equity (ROE) | 14.4367% | 901 |
| Retained earnings to average equity (ytd only) | 9.1185% | 1,014 |
| Net charge-offs to loans | 0.0010% | 3,422 |
| Credit loss provision to net charge-offs | 10,400.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 3,048.7991% | 17 |
| Efficiency ratio | 41.8794% | 5,082 |
| Assets per employee ($millions) | 7.2213% | 947 |
| Cash dividends to net income (ytd only)* | 36.8382% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,096 |
| Loan loss allowance to noncurrent loans | 480.5727% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 3,564 |
| Noncurrent loans to loans | 0.2651% | 3,600 |
| Net loans and leases to total assets | 84.2712% | 322 |
| Net loans and leases to deposits | 99.3287% | 698 |
| Net loans and leases to core deposits | 131.2025% | 280 |
| Total domestic deposits to total assets | 84.8408% | 2,481 |
| Equity capital to assets | 13.2718% | 1,474 |
| Core capital (leverage) ratio | 12.8534% | 1,404 |
| Tier 1 risk-based capital ratio | 14.1570% | 3,254 |
| Total risk-based capital ratio | 15.3474% | 3,184 |
| Memoranda: | ||
| Average total assets | $768,324,000 | 1,006 |
| Average earning assets | $738,573,750 | 971 |
| Average equity | $99,429,250 | 908 |
| Average total loans | $649,439,500 | 852 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5661% | 502 |
| Cost of funding earning assets | 1.0823% | 1,369 |
| Net interest margin | 4.4838% | 800 |
| Noninterest income to average assets | 0.1892% | 4,620 |
| Noninterest expense to average assets | 1.8760% | 4,783 |
| Loan and lease loss provision to assets | 0.0714% | 2,387 |
| Net operating income to assets | 1.8628% | 529 |
| Return on assets (ROA) | 1.8644% | 550 |
| Pretax return on assets | 2.5573% | 217 |
| Return on Equity (ROE) | 14.5349% | 869 |
| Retained earnings to average equity (ytd only) | 7.1365% | 1,743 |
| Net charge-offs to loans | -0.0034% | 4,052 |
| Credit loss provision to net charge-offs | -2,472.7273% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6647% | 5,125 |
| Assets per employee ($millions) | 7.3689% | 856 |
| Cash dividends to net income (ytd only)* | 50.9009% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,223 |
| Loan loss allowance to noncurrent loans | 286.7424% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 2,982 |
| Noncurrent loans to loans | 0.4379% | 2,962 |
| Net loans and leases to total assets | 83.0479% | 471 |
| Net loans and leases to deposits | 97.7436% | 872 |
| Net loans and leases to core deposits | 129.2844% | 334 |
| Total domestic deposits to total assets | 84.9650% | 2,492 |
| Equity capital to assets | 12.8014% | 1,687 |
| Core capital (leverage) ratio | 12.6501% | 1,460 |
| Tier 1 risk-based capital ratio | 13.8755% | 3,382 |
| Total risk-based capital ratio | 15.0488% | 3,320 |
| Memoranda: | ||
| Average total assets | $762,059,000 | 1,017 |
| Average earning assets | $733,085,670 | 984 |
| Average equity | $97,750,670 | 913 |
| Average total loans | $641,961,330 | 865 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4156% | 609 |
| Cost of funding earning assets | 1.0084% | 1,536 |
| Net interest margin | 4.4071% | 884 |
| Noninterest income to average assets | 0.2003% | 4,560 |
| Noninterest expense to average assets | 1.9320% | 4,754 |
| Loan and lease loss provision to assets | 0.0080% | 3,334 |
| Net operating income to assets | 1.8251% | 542 |
| Return on assets (ROA) | 1.8268% | 556 |
| Pretax return on assets | 2.4993% | 251 |
| Return on Equity (ROE) | 14.2265% | 920 |
| Retained earnings to average equity (ytd only) | -0.3993% | 4,584 |
| Net charge-offs to loans | -0.0038% | 3,961 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5416% | 5,117 |
| Assets per employee ($millions) | 6.9398% | 1,025 |
| Cash dividends to net income (ytd only)* | 102.8070% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,239 |
| Loan loss allowance to noncurrent loans | 186.9061% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,222 |
| Noncurrent loans to loans | 0.6783% | 2,322 |
| Net loans and leases to total assets | 83.0348% | 467 |
| Net loans and leases to deposits | 97.4900% | 840 |
| Net loans and leases to core deposits | 122.0485% | 483 |
| Total domestic deposits to total assets | 85.1726% | 2,612 |
| Equity capital to assets | 12.7436% | 1,602 |
| Core capital (leverage) ratio | 12.9127% | 1,316 |
| Tier 1 risk-based capital ratio | 13.7520% | 3,472 |
| Total risk-based capital ratio | 14.9208% | 3,419 |
| Memoranda: | ||
| Average total assets | $748,855,000 | 1,032 |
| Average earning assets | $719,923,500 | 996 |
| Average equity | $96,158,500 | 919 |
| Average total loans | $631,376,000 | 881 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 543 |
| Cost of funding earning assets | 0.8249% | 1,419 |
| Net interest margin | 4.5123% | 743 |
| Noninterest income to average assets | 0.1892% | 4,770 |
| Noninterest expense to average assets | 1.8557% | 4,948 |
| Loan and lease loss provision to assets | 0.1085% | 2,028 |
| Net operating income to assets | 1.9007% | 444 |
| Return on assets (ROA) | 1.9007% | 439 |
| Pretax return on assets | 2.5649% | 181 |
| Return on Equity (ROE) | 14.6841% | 903 |
| Retained earnings to average equity (ytd only) | 7.0225% | 1,662 |
| Net charge-offs to loans | 0.0237% | 2,936 |
| Credit loss provision to net charge-offs | 541.9580% | 645 |
| Earnings coverage of net charge-offs (x) | 133.5594% | 606 |
| Efficiency ratio | 40.9723% | 5,265 |
| Assets per employee ($millions) | 6.9278% | 1,007 |
| Cash dividends to net income (ytd only)* | 52.1762% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,126 |
| Loan loss allowance to noncurrent loans | 254.4764% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 2,855 |
| Noncurrent loans to loans | 0.5045% | 2,759 |
| Net loans and leases to total assets | 83.4425% | 462 |
| Net loans and leases to deposits | 98.4723% | 852 |
| Net loans and leases to core deposits | 122.2660% | 490 |
| Total domestic deposits to total assets | 84.7370% | 2,755 |
| Equity capital to assets | 12.9398% | 1,377 |
| Core capital (leverage) ratio | 12.8130% | 1,318 |
| Tier 1 risk-based capital ratio | 14.1477% | 3,218 |
| Total risk-based capital ratio | 15.3458% | 3,180 |
| Memoranda: | ||
| Average total assets | $714,403,000 | 1,045 |
| Average earning assets | $687,098,200 | 1,002 |
| Average equity | $92,474,400 | 912 |
| Average total loans | $604,649,800 | 891 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 551 |
| Cost of funding earning assets | 0.7732% | 1,461 |
| Net interest margin | 4.4937% | 752 |
| Noninterest income to average assets | 0.2001% | 4,773 |
| Noninterest expense to average assets | 1.8418% | 4,992 |
| Loan and lease loss provision to assets | 0.0691% | 2,589 |
| Net operating income to assets | 1.9236% | 456 |
| Return on assets (ROA) | 1.9236% | 456 |
| Pretax return on assets | 2.6109% | 191 |
| Return on Equity (ROE) | 14.8592% | 904 |
| Retained earnings to average equity (ytd only) | 7.9754% | 1,668 |
| Net charge-offs to loans | 0.0105% | 3,052 |
| Credit loss provision to net charge-offs | 780.8511% | 501 |
| Earnings coverage of net charge-offs (x) | 302.6359% | 310 |
| Efficiency ratio | 40.7316% | 5,312 |
| Assets per employee ($millions) | 6.8443% | 1,003 |
| Cash dividends to net income (ytd only)* | 46.3271% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,516 |
| Loan loss allowance to noncurrent loans | 242.4585% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 2,705 |
| Noncurrent loans to loans | 0.5028% | 2,881 |
| Net loans and leases to total assets | 86.3635% | 230 |
| Net loans and leases to deposits | 103.1617% | 594 |
| Net loans and leases to core deposits | 130.4982% | 320 |
| Total domestic deposits to total assets | 83.7166% | 3,045 |
| Equity capital to assets | 13.0256% | 1,325 |
| Core capital (leverage) ratio | 13.0422% | 1,265 |
| Tier 1 risk-based capital ratio | 13.9271% | 3,407 |
| Total risk-based capital ratio | 15.0730% | 3,366 |
| Memoranda: | ||
| Average total assets | $707,684,500 | 1,048 |
| Average earning assets | $680,602,750 | 1,011 |
| Average equity | $91,613,000 | 917 |
| Average total loans | $599,166,250 | 895 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 632 |
| Cost of funding earning assets | 0.6965% | 1,640 |
| Net interest margin | 4.4279% | 801 |
| Noninterest income to average assets | 0.2041% | 4,796 |
| Noninterest expense to average assets | 1.8234% | 5,070 |
| Loan and lease loss provision to assets | 0.0433% | 3,030 |
| Net operating income to assets | 1.9141% | 453 |
| Return on assets (ROA) | 1.9141% | 450 |
| Pretax return on assets | 2.6041% | 185 |
| Return on Equity (ROE) | 14.8173% | 887 |
| Retained earnings to average equity (ytd only) | 7.6911% | 1,760 |
| Net charge-offs to loans | 0.0041% | 3,031 |
| Credit loss provision to net charge-offs | 1,266.6667% | 331 |
| Earnings coverage of net charge-offs (x) | 774.0833% | 103 |
| Efficiency ratio | 40.7854% | 5,381 |
| Assets per employee ($millions) | 6.7437% | 1,048 |
| Cash dividends to net income (ytd only)* | 48.0941% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,584 |
| Loan loss allowance to noncurrent loans | 158.9895% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 2,204 |
| Noncurrent loans to loans | 0.7696% | 2,197 |
| Net loans and leases to total assets | 85.2899% | 326 |
| Net loans and leases to deposits | 101.1558% | 724 |
| Net loans and leases to core deposits | 125.5450% | 423 |
| Total domestic deposits to total assets | 84.3154% | 2,952 |
| Equity capital to assets | 12.9650% | 1,311 |
| Core capital (leverage) ratio | 13.1429% | 1,173 |
| Tier 1 risk-based capital ratio | 14.0283% | 3,346 |
| Total risk-based capital ratio | 15.1801% | 3,317 |
| Memoranda: | ||
| Average total assets | $701,748,330 | 1,060 |
| Average earning assets | $676,215,330 | 1,021 |
| Average equity | $90,650,670 | 925 |
| Average total loans | $587,457,330 | 910 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 679 |
| Cost of funding earning assets | 0.6409% | 1,772 |
| Net interest margin | 4.3738% | 810 |
| Noninterest income to average assets | 0.2135% | 4,727 |
| Noninterest expense to average assets | 1.9327% | 4,968 |
| Loan and lease loss provision to assets | 0.0029% | 3,479 |
| Net operating income to assets | 1.8325% | 528 |
| Return on assets (ROA) | 1.8325% | 529 |
| Pretax return on assets | 2.4988% | 214 |
| Return on Equity (ROE) | 14.2129% | 962 |
| Retained earnings to average equity (ytd only) | -0.2008% | 4,824 |
| Net charge-offs to loans | -0.0021% | 3,815 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5838% | 5,357 |
| Assets per employee ($millions) | 6.6257% | 1,135 |
| Cash dividends to net income (ytd only)* | 101.4129% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,310 |
| Loan loss allowance to noncurrent loans | 266.6188% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 3,129 |
| Noncurrent loans to loans | 0.4823% | 3,069 |
| Net loans and leases to total assets | 84.2807% | 412 |
| Net loans and leases to deposits | 100.7127% | 658 |
| Net loans and leases to core deposits | 159.3857% | 88 |
| Total domestic deposits to total assets | 83.6843% | 3,441 |
| Equity capital to assets | 13.2153% | 1,152 |
| Core capital (leverage) ratio | 12.8478% | 1,233 |
| Tier 1 risk-based capital ratio | 14.2200% | 3,270 |
| Total risk-based capital ratio | 15.4129% | 3,219 |
| Memoranda: | ||
| Average total assets | $695,207,500 | 1,075 |
| Average earning assets | $670,906,000 | 1,037 |
| Average equity | $89,637,000 | 939 |
| Average total loans | $572,571,000 | 937 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 526 |
| Cost of funding earning assets | 0.5279% | 2,112 |
| Net interest margin | 4.5774% | 524 |
| Noninterest income to average assets | 0.1763% | 5,077 |
| Noninterest expense to average assets | 1.7928% | 5,246 |
| Loan and lease loss provision to assets | 0.0944% | 2,314 |
| Net operating income to assets | 1.5467% | 730 |
| Return on assets (ROA) | 1.5467% | 740 |
| Pretax return on assets | 2.7110% | 129 |
| Return on Equity (ROE) | 11.9576% | 1,225 |
| Retained earnings to average equity (ytd only) | 5.9541% | 1,564 |
| Net charge-offs to loans | 0.0029% | 4,009 |
| Credit loss provision to net charge-offs | 3,981.2500% | 105 |
| Earnings coverage of net charge-offs (x) | 1,182.7500% | 61 |
| Efficiency ratio | 38.9883% | 5,539 |
| Assets per employee ($millions) | 7.2181% | 878 |
| Cash dividends to net income (ytd only)* | 50.2061% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,194 |
| Loan loss allowance to noncurrent loans | 1,325.9392% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,647 |
| Noncurrent loans to loans | 0.0984% | 4,550 |
| Net loans and leases to total assets | 78.4674% | 1,221 |
| Net loans and leases to deposits | 92.2749% | 1,485 |
| Net loans and leases to core deposits | 151.6148% | 126 |
| Total domestic deposits to total assets | 85.0365% | 2,826 |
| Equity capital to assets | 12.5892% | 1,464 |
| Core capital (leverage) ratio | 12.9106% | 1,176 |
| Tier 1 risk-based capital ratio | 14.4640% | 3,107 |
| Total risk-based capital ratio | 15.6755% | 3,038 |
| Memoranda: | ||
| Average total assets | $674,539,400 | 1,082 |
| Average earning assets | $651,635,800 | 1,032 |
| Average equity | $87,250,200 | 932 |
| Average total loans | $556,719,000 | 927 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 508 |
| Cost of funding earning assets | 0.5143% | 2,155 |
| Net interest margin | 4.5802% | 508 |
| Noninterest income to average assets | 0.1816% | 5,109 |
| Noninterest expense to average assets | 1.8545% | 5,194 |
| Loan and lease loss provision to assets | 0.0624% | 2,827 |
| Net operating income to assets | 1.6053% | 708 |
| Return on assets (ROA) | 1.6053% | 726 |
| Pretax return on assets | 2.6890% | 156 |
| Return on Equity (ROE) | 12.3223% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.9366% | 1,723 |
| Net charge-offs to loans | -0.0017% | 4,303 |
| Credit loss provision to net charge-offs | -4,442.8571% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2640% | 5,577 |
| Assets per employee ($millions) | 6.6957% | 1,071 |
| Cash dividends to net income (ytd only)* | 43.7070% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,871 |
| Loan loss allowance to noncurrent loans | 103.4789% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 1,590 |
| Noncurrent loans to loans | 1.1694% | 1,645 |
| Net loans and leases to total assets | 86.6765% | 215 |
| Net loans and leases to deposits | 103.8304% | 506 |
| Net loans and leases to core deposits | 171.0073% | 64 |
| Total domestic deposits to total assets | 83.4789% | 3,296 |
| Equity capital to assets | 13.3879% | 1,211 |
| Core capital (leverage) ratio | 13.1176% | 1,162 |
| Tier 1 risk-based capital ratio | 14.0750% | 3,406 |
| Total risk-based capital ratio | 15.2146% | 3,383 |
| Memoranda: | ||
| Average total assets | $664,525,750 | 1,105 |
| Average earning assets | $641,904,750 | 1,052 |
| Average equity | $86,572,250 | 941 |
| Average total loans | $553,865,000 | 931 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 582 |
| Cost of funding earning assets | 0.4855% | 2,285 |
| Net interest margin | 4.4929% | 571 |
| Noninterest income to average assets | 0.1871% | 5,118 |
| Noninterest expense to average assets | 1.8538% | 5,253 |
| Loan and lease loss provision to assets | 0.0392% | 3,227 |
| Net operating income to assets | 1.5714% | 751 |
| Return on assets (ROA) | 1.5714% | 771 |
| Pretax return on assets | 2.6389% | 165 |
| Return on Equity (ROE) | 12.1755% | 1,245 |
| Retained earnings to average equity (ytd only) | 4.4442% | 3,067 |
| Net charge-offs to loans | 0.0074% | 3,194 |
| Credit loss provision to net charge-offs | 650.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 443.8000% | 191 |
| Efficiency ratio | 40.9055% | 5,602 |
| Assets per employee ($millions) | 6.5128% | 1,146 |
| Cash dividends to net income (ytd only)* | 63.4985% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,972 |
| Loan loss allowance to noncurrent loans | 98.7691% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 1,624 |
| Noncurrent loans to loans | 1.2220% | 1,596 |
| Net loans and leases to total assets | 85.8715% | 282 |
| Net loans and leases to deposits | 103.7299% | 507 |
| Net loans and leases to core deposits | 154.0135% | 106 |
| Total domestic deposits to total assets | 82.7838% | 3,635 |
| Equity capital to assets | 13.2396% | 1,259 |
| Core capital (leverage) ratio | 12.8890% | 1,220 |
| Tier 1 risk-based capital ratio | 14.0458% | 3,410 |
| Total risk-based capital ratio | 15.1835% | 3,382 |
| Memoranda: | ||
| Average total assets | $662,843,000 | 1,105 |
| Average earning assets | $641,015,000 | 1,057 |
| Average equity | $85,549,000 | 957 |
| Average total loans | $542,662,670 | 950 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 789 |
| Cost of funding earning assets | 0.4676% | 2,363 |
| Net interest margin | 4.3094% | 765 |
| Noninterest income to average assets | 0.2327% | 4,878 |
| Noninterest expense to average assets | 1.9243% | 5,192 |
| Loan and lease loss provision to assets | 0.0066% | 3,476 |
| Net operating income to assets | 1.4843% | 841 |
| Return on assets (ROA) | 1.4843% | 866 |
| Pretax return on assets | 2.4732% | 222 |
| Return on Equity (ROE) | 11.6491% | 1,351 |
| Retained earnings to average equity (ytd only) | -1.2456% | 5,099 |
| Net charge-offs to loans | 0.0068% | 2,735 |
| Credit loss provision to net charge-offs | 122.2222% | 1,376 |
| Earnings coverage of net charge-offs (x) | 458.3333% | 121 |
| Efficiency ratio | 43.6937% | 5,603 |
| Assets per employee ($millions) | 7.0595% | 927 |
| Cash dividends to net income (ytd only)* | 110.6926% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,708 |
| Loan loss allowance to noncurrent loans | 85.1360% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 1,465 |
| Noncurrent loans to loans | 1.4879% | 1,348 |
| Net loans and leases to total assets | 78.1272% | 1,116 |
| Net loans and leases to deposits | 92.8161% | 1,243 |
| Net loans and leases to core deposits | 148.9242% | 111 |
| Total domestic deposits to total assets | 84.1742% | 3,409 |
| Equity capital to assets | 12.4963% | 1,536 |
| Core capital (leverage) ratio | 12.3093% | 1,439 |
| Tier 1 risk-based capital ratio | 14.7975% | 3,067 |
| Total risk-based capital ratio | 16.0082% | 3,012 |
| Memoranda: | ||
| Average total assets | $665,368,000 | 1,106 |
| Average earning assets | $644,082,000 | 1,054 |
| Average equity | $84,779,000 | 962 |
| Average total loans | $528,115,000 | 974 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 628 |
| Cost of funding earning assets | 0.4272% | 2,735 |
| Net interest margin | 4.5446% | 563 |
| Noninterest income to average assets | 0.2034% | 5,197 |
| Noninterest expense to average assets | 1.7268% | 5,539 |
| Loan and lease loss provision to assets | 0.1328% | 1,879 |
| Net operating income to assets | 1.6822% | 570 |
| Return on assets (ROA) | 1.6818% | 597 |
| Pretax return on assets | 2.7334% | 147 |
| Return on Equity (ROE) | 12.8715% | 1,022 |
| Retained earnings to average equity (ytd only) | 8.1847% | 791 |
| Net charge-offs to loans | 0.0605% | 2,846 |
| Credit loss provision to net charge-offs | 266.5595% | 1,081 |
| Earnings coverage of net charge-offs (x) | 57.5627% | 921 |
| Efficiency ratio | 37.5911% | 5,815 |
| Assets per employee ($millions) | 7.0218% | 915 |
| Cash dividends to net income (ytd only)* | 36.4121% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,512 |
| Loan loss allowance to noncurrent loans | 253.7743% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 3,536 |
| Noncurrent loans to loans | 0.5147% | 3,307 |
| Net loans and leases to total assets | 78.5834% | 1,109 |
| Net loans and leases to deposits | 93.9302% | 1,202 |
| Net loans and leases to core deposits | 147.4728% | 129 |
| Total domestic deposits to total assets | 83.6614% | 3,551 |
| Equity capital to assets | 12.9963% | 1,261 |
| Core capital (leverage) ratio | 12.9510% | 1,149 |
| Tier 1 risk-based capital ratio | 15.5721% | 2,714 |
| Total risk-based capital ratio | 16.8222% | 2,648 |
| Memoranda: | ||
| Average total assets | $624,450,400 | 1,127 |
| Average earning assets | $603,242,200 | 1,080 |
| Average equity | $81,591,200 | 975 |
| Average total loans | $514,240,600 | 953 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 621 |
| Cost of funding earning assets | 0.4211% | 2,832 |
| Net interest margin | 4.5675% | 537 |
| Noninterest income to average assets | 0.2084% | 5,221 |
| Noninterest expense to average assets | 1.7288% | 5,590 |
| Loan and lease loss provision to assets | 0.1121% | 2,051 |
| Net operating income to assets | 1.6824% | 614 |
| Return on assets (ROA) | 1.6819% | 655 |
| Pretax return on assets | 2.7785% | 145 |
| Return on Equity (ROE) | 12.8540% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.1924% | 1,093 |
| Net charge-offs to loans | 0.0525% | 2,615 |
| Credit loss provision to net charge-offs | 256.9307% | 1,176 |
| Earnings coverage of net charge-offs (x) | 66.2715% | 895 |
| Efficiency ratio | 37.4176% | 5,874 |
| Assets per employee ($millions) | 6.7262% | 991 |
| Cash dividends to net income (ytd only)* | 36.2656% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 3,084 |
| Loan loss allowance to noncurrent loans | 213.8222% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 3,476 |
| Noncurrent loans to loans | 0.5739% | 3,281 |
| Net loans and leases to total assets | 84.8001% | 342 |
| Net loans and leases to deposits | 102.1259% | 558 |
| Net loans and leases to core deposits | 162.5964% | 84 |
| Total domestic deposits to total assets | 83.0349% | 3,583 |
| Equity capital to assets | 13.4221% | 1,282 |
| Core capital (leverage) ratio | 13.1749% | 1,122 |
| Tier 1 risk-based capital ratio | 15.0777% | 3,014 |
| Total risk-based capital ratio | 16.2956% | 2,966 |
| Memoranda: | ||
| Average total assets | $617,306,500 | 1,139 |
| Average earning assets | $596,256,500 | 1,096 |
| Average equity | $80,771,750 | 984 |
| Average total loans | $512,810,500 | 958 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 716 |
| Cost of funding earning assets | 0.4124% | 2,919 |
| Net interest margin | 4.4921% | 631 |
| Noninterest income to average assets | 0.2096% | 5,242 |
| Noninterest expense to average assets | 1.6997% | 5,689 |
| Loan and lease loss provision to assets | 0.0345% | 3,460 |
| Net operating income to assets | 1.6996% | 580 |
| Return on assets (ROA) | 1.6988% | 615 |
| Pretax return on assets | 2.8170% | 139 |
| Return on Equity (ROE) | 13.0976% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.2628% | 1,983 |
| Net charge-offs to loans | -0.0012% | 4,326 |
| Credit loss provision to net charge-offs | -3,533.3333% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3365% | 5,953 |
| Assets per employee ($millions) | 6.5905% | 1,047 |
| Cash dividends to net income (ytd only)* | 52.1839% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,368 |
| Loan loss allowance to noncurrent loans | 164.4422% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 3,102 |
| Noncurrent loans to loans | 0.7292% | 2,913 |
| Net loans and leases to total assets | 85.7905% | 263 |
| Net loans and leases to deposits | 104.9521% | 407 |
| Net loans and leases to core deposits | 156.2450% | 98 |
| Total domestic deposits to total assets | 81.7425% | 4,077 |
| Equity capital to assets | 13.3065% | 1,329 |
| Core capital (leverage) ratio | 12.8744% | 1,201 |
| Tier 1 risk-based capital ratio | 14.7308% | 3,189 |
| Total risk-based capital ratio | 15.9191% | 3,163 |
| Memoranda: | ||
| Average total assets | $614,563,000 | 1,149 |
| Average earning assets | $594,152,330 | 1,105 |
| Average equity | $79,709,000 | 995 |
| Average total loans | $504,732,000 | 972 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 929 |
| Cost of funding earning assets | 0.4004% | 3,060 |
| Net interest margin | 4.3576% | 819 |
| Noninterest income to average assets | 0.2002% | 5,306 |
| Noninterest expense to average assets | 1.6380% | 5,804 |
| Loan and lease loss provision to assets | 0.0026% | 3,638 |
| Net operating income to assets | 1.6744% | 610 |
| Return on assets (ROA) | 1.6744% | 645 |
| Pretax return on assets | 2.7762% | 154 |
| Return on Equity (ROE) | 13.0787% | 1,024 |
| Retained earnings to average equity (ytd only) | -0.2437% | 5,154 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0861% | 6,015 |
| Assets per employee ($millions) | 6.8833% | 939 |
| Cash dividends to net income (ytd only)* | 101.8634% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 3,072 |
| Loan loss allowance to noncurrent loans | 160.9900% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 3,173 |
| Noncurrent loans to loans | 0.7873% | 2,866 |
| Net loans and leases to total assets | 78.9259% | 964 |
| Net loans and leases to deposits | 94.9055% | 1,052 |
| Net loans and leases to core deposits | 138.0078% | 183 |
| Total domestic deposits to total assets | 83.1625% | 3,834 |
| Equity capital to assets | 12.7215% | 1,548 |
| Core capital (leverage) ratio | 12.7089% | 1,266 |
| Tier 1 risk-based capital ratio | 15.0490% | 3,132 |
| Total risk-based capital ratio | 16.2827% | 3,076 |
| Memoranda: | ||
| Average total assets | $615,384,500 | 1,145 |
| Average earning assets | $595,468,000 | 1,091 |
| Average equity | $78,784,500 | 1,007 |
| Average total loans | $490,993,500 | 993 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 606 |
| Cost of funding earning assets | 0.4014% | 3,143 |
| Net interest margin | 4.6157% | 524 |
| Noninterest income to average assets | 0.2452% | 5,128 |
| Noninterest expense to average assets | 1.7945% | 5,747 |
| Loan and lease loss provision to assets | 0.0718% | 2,834 |
| Net operating income to assets | 1.7619% | 515 |
| Return on assets (ROA) | 1.7862% | 508 |
| Pretax return on assets | 2.8603% | 126 |
| Return on Equity (ROE) | 13.9580% | 849 |
| Retained earnings to average equity (ytd only) | 11.0075% | 345 |
| Net charge-offs to loans | 0.0102% | 4,112 |
| Credit loss provision to net charge-offs | 866.6667% | 390 |
| Earnings coverage of net charge-offs (x) | 349.2292% | 200 |
| Efficiency ratio | 38.2737% | 6,086 |
| Assets per employee ($millions) | 6.5728% | 1,065 |
| Cash dividends to net income (ytd only)* | 21.1386% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,237.2781% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 5,300 |
| Noncurrent loans to loans | 0.1042% | 5,082 |
| Net loans and leases to total assets | 78.6055% | 1,046 |
| Net loans and leases to deposits | 95.0128% | 1,112 |
| Net loans and leases to core deposits | 137.7806% | 191 |
| Total domestic deposits to total assets | 82.7315% | 3,934 |
| Equity capital to assets | 12.8845% | 1,407 |
| Core capital (leverage) ratio | 12.8185% | 1,223 |
| Tier 1 risk-based capital ratio | 15.5202% | 2,918 |
| Total risk-based capital ratio | 16.7704% | 2,856 |
| Memoranda: | ||
| Average total assets | $579,214,800 | 1,179 |
| Average earning assets | $557,591,000 | 1,130 |
| Average equity | $74,122,200 | 1,030 |
| Average total loans | $472,905,800 | 982 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 559 |
| Cost of funding earning assets | 0.4023% | 3,202 |
| Net interest margin | 4.6533% | 494 |
| Noninterest income to average assets | 0.2472% | 5,162 |
| Noninterest expense to average assets | 1.7479% | 5,850 |
| Loan and lease loss provision to assets | 0.0252% | 3,762 |
| Net operating income to assets | 1.7939% | 529 |
| Return on assets (ROA) | 1.7931% | 546 |
| Pretax return on assets | 2.9467% | 126 |
| Return on Equity (ROE) | 14.0379% | 896 |
| Retained earnings to average equity (ytd only) | 10.0414% | 626 |
| Net charge-offs to loans | -0.0023% | 4,715 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0235% | 6,174 |
| Assets per employee ($millions) | 6.6542% | 997 |
| Cash dividends to net income (ytd only)* | 28.4692% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 3,707 |
| Loan loss allowance to noncurrent loans | 851.6266% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,253 |
| Noncurrent loans to loans | 0.1398% | 5,072 |
| Net loans and leases to total assets | 85.3115% | 268 |
| Net loans and leases to deposits | 101.9550% | 548 |
| Net loans and leases to core deposits | 154.2304% | 89 |
| Total domestic deposits to total assets | 83.6757% | 3,547 |
| Equity capital to assets | 13.0275% | 1,427 |
| Core capital (leverage) ratio | 12.7799% | 1,282 |
| Tier 1 risk-based capital ratio | 14.4620% | 3,597 |
| Total risk-based capital ratio | 15.6394% | 3,552 |
| Memoranda: | ||
| Average total assets | $571,199,750 | 1,200 |
| Average earning assets | $549,161,750 | 1,152 |
| Average equity | $72,962,750 | 1,052 |
| Average total loans | $469,440,000 | 989 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 621 |
| Cost of funding earning assets | 0.4023% | 3,255 |
| Net interest margin | 4.5696% | 556 |
| Noninterest income to average assets | 0.2221% | 5,376 |
| Noninterest expense to average assets | 1.8036% | 5,844 |
| Loan and lease loss provision to assets | 0.0021% | 4,041 |
| Net operating income to assets | 1.7147% | 613 |
| Return on assets (ROA) | 1.7136% | 643 |
| Pretax return on assets | 2.8064% | 158 |
| Return on Equity (ROE) | 13.5077% | 1,012 |
| Retained earnings to average equity (ytd only) | 7.4205% | 1,508 |
| Net charge-offs to loans | -0.0026% | 4,624 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0908% | 6,221 |
| Assets per employee ($millions) | 6.3930% | 1,107 |
| Cash dividends to net income (ytd only)* | 45.0649% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 3,707 |
| Loan loss allowance to noncurrent loans | 2,076.4912% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 4,232 |
| Noncurrent loans to loans | 0.0585% | 5,500 |
| Net loans and leases to total assets | 84.6014% | 330 |
| Net loans and leases to deposits | 102.3182% | 533 |
| Net loans and leases to core deposits | 149.5498% | 109 |
| Total domestic deposits to total assets | 82.6846% | 4,064 |
| Equity capital to assets | 12.8961% | 1,452 |
| Core capital (leverage) ratio | 12.5430% | 1,355 |
| Tier 1 risk-based capital ratio | 14.3724% | 3,711 |
| Total risk-based capital ratio | 15.5682% | 3,666 |
| Memoranda: | ||
| Average total assets | $566,410,330 | 1,216 |
| Average earning assets | $544,375,670 | 1,160 |
| Average equity | $71,855,330 | 1,070 |
| Average total loans | $457,394,000 | 1,016 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 822 |
| Cost of funding earning assets | 0.4014% | 3,292 |
| Net interest margin | 4.4224% | 699 |
| Noninterest income to average assets | 0.1961% | 5,538 |
| Noninterest expense to average assets | 1.7072% | 6,004 |
| Loan and lease loss provision to assets | 0.0028% | 3,675 |
| Net operating income to assets | 1.6563% | 652 |
| Return on assets (ROA) | 1.6563% | 681 |
| Pretax return on assets | 2.7364% | 177 |
| Return on Equity (ROE) | 13.1655% | 1,043 |
| Retained earnings to average equity (ytd only) | 0.8608% | 5,119 |
| Net charge-offs to loans | -0.0045% | 4,472 |
| Credit loss provision to net charge-offs | -80.0000% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3954% | 6,299 |
| Assets per employee ($millions) | 6.6850% | 976 |
| Cash dividends to net income (ytd only)* | 93.4615% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,282 |
| Loan loss allowance to noncurrent loans | 3,943.3333% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 4,381 |
| Noncurrent loans to loans | 0.0336% | 5,659 |
| Net loans and leases to total assets | 76.6551% | 1,114 |
| Net loans and leases to deposits | 91.7422% | 1,220 |
| Net loans and leases to core deposits | 133.9758% | 203 |
| Total domestic deposits to total assets | 83.5549% | 3,993 |
| Equity capital to assets | 12.3796% | 1,769 |
| Core capital (leverage) ratio | 12.0675% | 1,600 |
| Tier 1 risk-based capital ratio | 14.5697% | 3,688 |
| Total risk-based capital ratio | 15.8198% | 3,610 |
| Memoranda: | ||
| Average total assets | $565,125,500 | 1,218 |
| Average earning assets | $543,144,000 | 1,170 |
| Average equity | $71,095,000 | 1,083 |
| Average total loans | $442,449,500 | 1,045 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 563 |
| Cost of funding earning assets | 0.4142% | 3,552 |
| Net interest margin | 4.7439% | 485 |
| Noninterest income to average assets | 0.2256% | 5,510 |
| Noninterest expense to average assets | 1.8726% | 5,968 |
| Loan and lease loss provision to assets | 0.0482% | 3,605 |
| Net operating income to assets | 1.8386% | 441 |
| Return on assets (ROA) | 1.8387% | 458 |
| Pretax return on assets | 2.8651% | 128 |
| Return on Equity (ROE) | 14.2095% | 902 |
| Retained earnings to average equity (ytd only) | 6.6670% | 1,562 |
| Net charge-offs to loans | 0.0478% | 3,869 |
| Credit loss provision to net charge-offs | 125.2475% | 1,910 |
| Earnings coverage of net charge-offs (x) | 75.7426% | 666 |
| Efficiency ratio | 39.1287% | 6,410 |
| Assets per employee ($millions) | 6.3107% | 1,179 |
| Cash dividends to net income (ytd only)* | 53.0807% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 3,184 |
| Loan loss allowance to noncurrent loans | 13,734.8837% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 3,872 |
| Noncurrent loans to loans | 0.0098% | 5,881 |
| Net loans and leases to total assets | 77.8585% | 1,020 |
| Net loans and leases to deposits | 93.3731% | 1,141 |
| Net loans and leases to core deposits | 134.6083% | 204 |
| Total domestic deposits to total assets | 83.3844% | 3,949 |
| Equity capital to assets | 12.7882% | 1,473 |
| Core capital (leverage) ratio | 12.4951% | 1,355 |
| Tier 1 risk-based capital ratio | 14.5869% | 3,729 |
| Total risk-based capital ratio | 15.8371% | 3,659 |
| Memoranda: | ||
| Average total assets | $525,208,800 | 1,280 |
| Average earning assets | $504,856,800 | 1,215 |
| Average equity | $67,961,800 | 1,085 |
| Average total loans | $422,998,600 | 1,038 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 564 |
| Cost of funding earning assets | 0.4136% | 3,644 |
| Net interest margin | 4.7495% | 461 |
| Noninterest income to average assets | 0.2313% | 5,548 |
| Noninterest expense to average assets | 1.7712% | 6,128 |
| Loan and lease loss provision to assets | 0.0546% | 3,282 |
| Net operating income to assets | 1.8606% | 452 |
| Return on assets (ROA) | 1.8606% | 467 |
| Pretax return on assets | 2.9745% | 119 |
| Return on Equity (ROE) | 14.3335% | 923 |
| Retained earnings to average equity (ytd only) | 4.3611% | 3,550 |
| Net charge-offs to loans | 0.0522% | 3,470 |
| Credit loss provision to net charge-offs | 129.2683% | 1,784 |
| Earnings coverage of net charge-offs (x) | 71.7138% | 764 |
| Efficiency ratio | 36.8977% | 6,499 |
| Assets per employee ($millions) | 6.4234% | 1,059 |
| Cash dividends to net income (ytd only)* | 69.5737% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,627 |
| Loan loss allowance to noncurrent loans | 688.7981% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 3,834 |
| Noncurrent loans to loans | 0.1892% | 5,341 |
| Net loans and leases to total assets | 82.8702% | 421 |
| Net loans and leases to deposits | 98.5865% | 694 |
| Net loans and leases to core deposits | 144.0553% | 131 |
| Total domestic deposits to total assets | 84.0584% | 3,733 |
| Equity capital to assets | 12.7029% | 1,581 |
| Core capital (leverage) ratio | 12.4448% | 1,434 |
| Tier 1 risk-based capital ratio | 13.7031% | 4,414 |
| Total risk-based capital ratio | 14.9263% | 4,372 |
| Memoranda: | ||
| Average total assets | $517,676,500 | 1,311 |
| Average earning assets | $498,007,250 | 1,245 |
| Average equity | $67,197,750 | 1,097 |
| Average total loans | $419,177,250 | 1,045 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 676 |
| Cost of funding earning assets | 0.4103% | 3,769 |
| Net interest margin | 4.6441% | 535 |
| Noninterest income to average assets | 0.2292% | 5,564 |
| Noninterest expense to average assets | 1.7407% | 6,224 |
| Loan and lease loss provision to assets | 0.0431% | 3,454 |
| Net operating income to assets | 1.8398% | 452 |
| Return on assets (ROA) | 1.8398% | 465 |
| Pretax return on assets | 2.9206% | 123 |
| Return on Equity (ROE) | 14.0673% | 940 |
| Retained earnings to average equity (ytd only) | 6.5738% | 1,996 |
| Net charge-offs to loans | 0.0814% | 2,876 |
| Credit loss provision to net charge-offs | 66.2651% | 2,530 |
| Earnings coverage of net charge-offs (x) | 45.5602% | 967 |
| Efficiency ratio | 37.0012% | 6,562 |
| Assets per employee ($millions) | 6.2395% | 1,148 |
| Cash dividends to net income (ytd only)* | 53.2694% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 3,692 |
| Loan loss allowance to noncurrent loans | 186.9439% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 3,911 |
| Noncurrent loans to loans | 0.7115% | 3,927 |
| Net loans and leases to total assets | 83.0614% | 376 |
| Net loans and leases to deposits | 100.7186% | 518 |
| Net loans and leases to core deposits | 137.5526% | 152 |
| Total domestic deposits to total assets | 82.4688% | 4,482 |
| Equity capital to assets | 13.2165% | 1,262 |
| Core capital (leverage) ratio | 12.9209% | 1,184 |
| Tier 1 risk-based capital ratio | 14.2984% | 4,064 |
| Total risk-based capital ratio | 15.5485% | 3,999 |
| Memoranda: | ||
| Average total assets | $510,381,330 | 1,325 |
| Average earning assets | $491,805,000 | 1,257 |
| Average equity | $66,750,330 | 1,099 |
| Average total loans | $407,890,000 | 1,068 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 775 |
| Cost of funding earning assets | 0.4073% | 3,874 |
| Net interest margin | 4.5554% | 601 |
| Noninterest income to average assets | 0.2258% | 5,548 |
| Noninterest expense to average assets | 1.6225% | 6,413 |
| Loan and lease loss provision to assets | 0.0039% | 3,769 |
| Net operating income to assets | 1.8807% | 413 |
| Return on assets (ROA) | 1.8807% | 434 |
| Pretax return on assets | 2.9876% | 141 |
| Return on Equity (ROE) | 14.4577% | 865 |
| Retained earnings to average equity (ytd only) | 0.4916% | 5,388 |
| Net charge-offs to loans | 0.0721% | 2,426 |
| Credit loss provision to net charge-offs | 7.0423% | 2,635 |
| Earnings coverage of net charge-offs (x) | 53.3662% | 723 |
| Efficiency ratio | 35.1643% | 6,646 |
| Assets per employee ($millions) | 6.2908% | 1,120 |
| Cash dividends to net income (ytd only)* | 96.5995% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,299 |
| Loan loss allowance to noncurrent loans | 203.2654% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 4,497 |
| Noncurrent loans to loans | 0.7216% | 4,063 |
| Net loans and leases to total assets | 75.3890% | 1,076 |
| Net loans and leases to deposits | 90.2599% | 1,116 |
| Net loans and leases to core deposits | 119.9441% | 328 |
| Total domestic deposits to total assets | 83.5243% | 4,443 |
| Equity capital to assets | 12.7959% | 1,399 |
| Core capital (leverage) ratio | 12.7797% | 1,255 |
| Tier 1 risk-based capital ratio | 15.0845% | 3,666 |
| Total risk-based capital ratio | 16.3359% | 3,621 |
| Memoranda: | ||
| Average total assets | $506,631,000 | 1,334 |
| Average earning assets | $488,032,500 | 1,273 |
| Average equity | $65,902,500 | 1,110 |
| Average total loans | $393,855,500 | 1,116 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 608 |
| Cost of funding earning assets | 0.4590% | 4,032 |
| Net interest margin | 4.7636% | 462 |
| Noninterest income to average assets | 0.2668% | 5,439 |
| Noninterest expense to average assets | 1.7749% | 6,362 |
| Loan and lease loss provision to assets | 0.1172% | 2,855 |
| Net operating income to assets | 1.9225% | 384 |
| Return on assets (ROA) | 1.9225% | 388 |
| Pretax return on assets | 2.9520% | 129 |
| Return on Equity (ROE) | 15.0475% | 752 |
| Retained earnings to average equity (ytd only) | 10.9165% | 428 |
| Net charge-offs to loans | 0.0514% | 4,499 |
| Credit loss provision to net charge-offs | 289.3401% | 784 |
| Earnings coverage of net charge-offs (x) | 75.8020% | 571 |
| Efficiency ratio | 36.6414% | 6,728 |
| Assets per employee ($millions) | 6.2177% | 1,131 |
| Cash dividends to net income (ytd only)* | 27.4535% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,248 |
| Loan loss allowance to noncurrent loans | 212.4456% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 4,567 |
| Noncurrent loans to loans | 0.7012% | 4,225 |
| Net loans and leases to total assets | 77.8375% | 845 |
| Net loans and leases to deposits | 93.0908% | 950 |
| Net loans and leases to core deposits | 123.8488% | 269 |
| Total domestic deposits to total assets | 83.6145% | 4,316 |
| Equity capital to assets | 13.2280% | 1,168 |
| Core capital (leverage) ratio | 12.9745% | 1,150 |
| Tier 1 risk-based capital ratio | 15.1806% | 3,556 |
| Total risk-based capital ratio | 16.4322% | 3,501 |
| Memoranda: | ||
| Average total assets | $486,552,800 | 1,364 |
| Average earning assets | $467,522,000 | 1,303 |
| Average equity | $62,163,000 | 1,160 |
| Average total loans | $383,418,600 | 1,113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 609 |
| Cost of funding earning assets | 0.4700% | 4,068 |
| Net interest margin | 4.7598% | 461 |
| Noninterest income to average assets | 0.2739% | 5,484 |
| Noninterest expense to average assets | 1.7195% | 6,447 |
| Loan and lease loss provision to assets | 0.0912% | 3,243 |
| Net operating income to assets | 1.9469% | 403 |
| Return on assets (ROA) | 1.9469% | 417 |
| Pretax return on assets | 3.0340% | 133 |
| Return on Equity (ROE) | 15.3781% | 734 |
| Retained earnings to average equity (ytd only) | 10.0061% | 789 |
| Net charge-offs to loans | 0.0675% | 3,954 |
| Credit loss provision to net charge-offs | 171.5026% | 1,390 |
| Earnings coverage of net charge-offs (x) | 58.7610% | 765 |
| Efficiency ratio | 35.4929% | 6,804 |
| Assets per employee ($millions) | 6.3126% | 1,032 |
| Cash dividends to net income (ytd only)* | 34.9327% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 3,916 |
| Loan loss allowance to noncurrent loans | 190.1861% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 4,539 |
| Noncurrent loans to loans | 0.7335% | 4,384 |
| Net loans and leases to total assets | 80.6757% | 482 |
| Net loans and leases to deposits | 97.7109% | 588 |
| Net loans and leases to core deposits | 130.7413% | 182 |
| Total domestic deposits to total assets | 82.5657% | 4,730 |
| Equity capital to assets | 12.9023% | 1,373 |
| Core capital (leverage) ratio | 12.8541% | 1,260 |
| Tier 1 risk-based capital ratio | 14.4633% | 4,094 |
| Total risk-based capital ratio | 15.7140% | 4,055 |
| Memoranda: | ||
| Average total assets | $483,837,000 | 1,378 |
| Average earning assets | $464,625,750 | 1,317 |
| Average equity | $61,254,250 | 1,185 |
| Average total loans | $381,015,500 | 1,124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 664 |
| Cost of funding earning assets | 0.4808% | 4,087 |
| Net interest margin | 4.6941% | 512 |
| Noninterest income to average assets | 0.2811% | 5,439 |
| Noninterest expense to average assets | 1.6782% | 6,519 |
| Loan and lease loss provision to assets | 0.1131% | 2,925 |
| Net operating income to assets | 1.8865% | 431 |
| Return on assets (ROA) | 1.8865% | 468 |
| Pretax return on assets | 2.9996% | 146 |
| Return on Equity (ROE) | 14.9993% | 812 |
| Retained earnings to average equity (ytd only) | 6.8401% | 1,960 |
| Net charge-offs to loans | 0.1081% | 3,275 |
| Credit loss provision to net charge-offs | 134.6535% | 1,682 |
| Earnings coverage of net charge-offs (x) | 37.0594% | 978 |
| Efficiency ratio | 35.0286% | 6,852 |
| Assets per employee ($millions) | 5.8275% | 1,330 |
| Cash dividends to net income (ytd only)* | 54.3972% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 3,900 |
| Loan loss allowance to noncurrent loans | 178.9813% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 4,508 |
| Noncurrent loans to loans | 0.7985% | 4,315 |
| Net loans and leases to total assets | 80.1383% | 522 |
| Net loans and leases to deposits | 96.2766% | 650 |
| Net loans and leases to core deposits | 123.1804% | 269 |
| Total domestic deposits to total assets | 83.2375% | 4,614 |
| Equity capital to assets | 12.8142% | 1,413 |
| Core capital (leverage) ratio | 12.4218% | 1,401 |
| Tier 1 risk-based capital ratio | 14.3156% | 4,215 |
| Total risk-based capital ratio | 15.5668% | 4,166 |
| Memoranda: | ||
| Average total assets | $480,989,670 | 1,384 |
| Average earning assets | $462,115,000 | 1,319 |
| Average equity | $60,496,330 | 1,203 |
| Average total loans | $373,737,330 | 1,139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 752 |
| Cost of funding earning assets | 0.4912% | 4,168 |
| Net interest margin | 4.6009% | 558 |
| Noninterest income to average assets | 0.2802% | 5,456 |
| Noninterest expense to average assets | 1.6379% | 6,635 |
| Loan and lease loss provision to assets | 0.0058% | 4,361 |
| Net operating income to assets | 1.9123% | 395 |
| Return on assets (ROA) | 1.9123% | 430 |
| Pretax return on assets | 3.0546% | 150 |
| Return on Equity (ROE) | 15.3474% | 692 |
| Retained earnings to average equity (ytd only) | 3.2531% | 4,302 |
| Net charge-offs to loans | -0.0273% | 5,859 |
| Credit loss provision to net charge-offs | -28.0000% | 5,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8624% | 6,926 |
| Assets per employee ($millions) | 6.0089% | 1,247 |
| Cash dividends to net income (ytd only)* | 78.8036% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 3,842 |
| Loan loss allowance to noncurrent loans | 108.8648% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 3,779 |
| Noncurrent loans to loans | 1.3746% | 3,506 |
| Net loans and leases to total assets | 74.5719% | 1,003 |
| Net loans and leases to deposits | 89.1870% | 1,030 |
| Net loans and leases to core deposits | 111.6406% | 446 |
| Total domestic deposits to total assets | 83.6130% | 4,627 |
| Equity capital to assets | 12.3892% | 1,780 |
| Core capital (leverage) ratio | 12.0705% | 1,530 |
| Tier 1 risk-based capital ratio | 14.6931% | 4,044 |
| Total risk-based capital ratio | 15.9449% | 4,010 |
| Memoranda: | ||
| Average total assets | $482,555,000 | 1,392 |
| Average earning assets | $463,392,000 | 1,326 |
| Average equity | $60,127,500 | 1,222 |
| Average total loans | $366,356,000 | 1,167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 627 |
| Cost of funding earning assets | 0.5774% | 4,563 |
| Net interest margin | 4.9182% | 437 |
| Noninterest income to average assets | 0.2826% | 5,448 |
| Noninterest expense to average assets | 1.7948% | 6,630 |
| Loan and lease loss provision to assets | 0.1952% | 3,193 |
| Net operating income to assets | 1.9031% | 428 |
| Return on assets (ROA) | 1.9093% | 468 |
| Pretax return on assets | 3.0094% | 146 |
| Return on Equity (ROE) | 15.7343% | 698 |
| Retained earnings to average equity (ytd only) | 11.5929% | 365 |
| Net charge-offs to loans | 0.2196% | 3,630 |
| Credit loss provision to net charge-offs | 116.1290% | 2,486 |
| Earnings coverage of net charge-offs (x) | 19.0065% | 1,412 |
| Efficiency ratio | 35.9704% | 6,990 |
| Assets per employee ($millions) | 5.9060% | 1,355 |
| Cash dividends to net income (ytd only)* | 26.3206% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,724 |
| Loan loss allowance to noncurrent loans | 129.0186% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 4,129 |
| Noncurrent loans to loans | 1.1665% | 3,904 |
| Net loans and leases to total assets | 74.9932% | 1,052 |
| Net loans and leases to deposits | 90.0830% | 1,068 |
| Net loans and leases to core deposits | 110.4271% | 534 |
| Total domestic deposits to total assets | 83.2490% | 4,625 |
| Equity capital to assets | 12.5325% | 1,684 |
| Core capital (leverage) ratio | 11.9268% | 1,605 |
| Tier 1 risk-based capital ratio | 14.6680% | 3,915 |
| Total risk-based capital ratio | 15.9199% | 3,880 |
| Memoranda: | ||
| Average total assets | $461,059,600 | 1,430 |
| Average earning assets | $441,256,800 | 1,367 |
| Average equity | $55,947,800 | 1,274 |
| Average total loans | $352,876,200 | 1,186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5518% | 612 |
| Cost of funding earning assets | 0.5974% | 4,680 |
| Net interest margin | 4.9544% | 435 |
| Noninterest income to average assets | 0.2756% | 5,575 |
| Noninterest expense to average assets | 1.7533% | 6,732 |
| Loan and lease loss provision to assets | 0.2368% | 2,684 |
| Net operating income to assets | 1.8993% | 454 |
| Return on assets (ROA) | 1.9077% | 518 |
| Pretax return on assets | 3.0363% | 150 |
| Return on Equity (ROE) | 15.8575% | 761 |
| Retained earnings to average equity (ytd only) | 10.2352% | 858 |
| Net charge-offs to loans | 0.2632% | 3,144 |
| Credit loss provision to net charge-offs | 117.3661% | 2,478 |
| Earnings coverage of net charge-offs (x) | 16.1606% | 1,708 |
| Efficiency ratio | 34.9735% | 7,083 |
| Assets per employee ($millions) | 6.3700% | 1,021 |
| Cash dividends to net income (ytd only)* | 35.4553% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 4,052 |
| Loan loss allowance to noncurrent loans | 130.9974% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 4,486 |
| Noncurrent loans to loans | 1.1255% | 4,173 |
| Net loans and leases to total assets | 75.5989% | 1,029 |
| Net loans and leases to deposits | 88.5174% | 1,293 |
| Net loans and leases to core deposits | 113.4529% | 446 |
| Total domestic deposits to total assets | 85.4057% | 3,565 |
| Equity capital to assets | 11.9542% | 2,299 |
| Core capital (leverage) ratio | 11.6182% | 1,895 |
| Tier 1 risk-based capital ratio | 13.8489% | 4,653 |
| Total risk-based capital ratio | 15.1004% | 4,607 |
| Memoranda: | ||
| Average total assets | $456,727,250 | 1,457 |
| Average earning assets | $436,746,000 | 1,400 |
| Average equity | $54,946,250 | 1,307 |
| Average total loans | $350,035,000 | 1,200 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 664 |
| Cost of funding earning assets | 0.6215% | 4,706 |
| Net interest margin | 4.9168% | 454 |
| Noninterest income to average assets | 0.2757% | 5,604 |
| Noninterest expense to average assets | 1.7757% | 6,777 |
| Loan and lease loss provision to assets | 0.0702% | 4,752 |
| Net operating income to assets | 1.9702% | 412 |
| Return on assets (ROA) | 1.9830% | 461 |
| Pretax return on assets | 3.1689% | 134 |
| Return on Equity (ROE) | 16.4460% | 702 |
| Retained earnings to average equity (ytd only) | 7.8598% | 1,697 |
| Net charge-offs to loans | 0.0280% | 4,987 |
| Credit loss provision to net charge-offs | 327.0833% | 908 |
| Earnings coverage of net charge-offs (x) | 150.0833% | 297 |
| Efficiency ratio | 35.5520% | 7,125 |
| Assets per employee ($millions) | 6.0920% | 1,175 |
| Cash dividends to net income (ytd only)* | 52.2082% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 4,025 |
| Loan loss allowance to noncurrent loans | 139.3677% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0501% | 4,286 |
| Noncurrent loans to loans | 1.0738% | 4,375 |
| Net loans and leases to total assets | 78.7466% | 648 |
| Net loans and leases to deposits | 94.8166% | 708 |
| Net loans and leases to core deposits | 120.3780% | 307 |
| Total domestic deposits to total assets | 83.0514% | 4,736 |
| Equity capital to assets | 12.1125% | 2,060 |
| Core capital (leverage) ratio | 11.9170% | 1,643 |
| Tier 1 risk-based capital ratio | 13.4082% | 4,899 |
| Total risk-based capital ratio | 14.6599% | 4,856 |
| Memoranda: | ||
| Average total assets | $447,595,670 | 1,489 |
| Average earning assets | $429,584,670 | 1,424 |
| Average equity | $53,970,670 | 1,321 |
| Average total loans | $342,890,670 | 1,236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 773 |
| Cost of funding earning assets | 0.6448% | 4,777 |
| Net interest margin | 4.8443% | 518 |
| Noninterest income to average assets | 0.2772% | 5,646 |
| Noninterest expense to average assets | 1.6734% | 6,922 |
| Loan and lease loss provision to assets | 0.0506% | 4,777 |
| Net operating income to assets | 2.0470% | 385 |
| Return on assets (ROA) | 2.0707% | 423 |
| Pretax return on assets | 3.2447% | 148 |
| Return on Equity (ROE) | 17.2131% | 638 |
| Retained earnings to average equity (ytd only) | 4.3164% | 3,999 |
| Net charge-offs to loans | 0.0615% | 3,880 |
| Credit loss provision to net charge-offs | 109.8039% | 2,134 |
| Earnings coverage of net charge-offs (x) | 70.7451% | 471 |
| Efficiency ratio | 33.9315% | 7,204 |
| Assets per employee ($millions) | 6.0275% | 1,270 |
| Cash dividends to net income (ytd only)* | 74.9237% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,691 |
| Loan loss allowance to noncurrent loans | 91.3458% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.3538% | 3,855 |
| Noncurrent loans to loans | 1.7602% | 3,471 |
| Net loans and leases to total assets | 72.5830% | 1,300 |
| Net loans and leases to deposits | 84.9104% | 1,546 |
| Net loans and leases to core deposits | 106.8165% | 646 |
| Total domestic deposits to total assets | 85.4819% | 3,804 |
| Equity capital to assets | 11.8782% | 2,128 |
| Core capital (leverage) ratio | 11.8385% | 1,685 |
| Tier 1 risk-based capital ratio | 14.2066% | 4,308 |
| Total risk-based capital ratio | 15.4595% | 4,285 |
| Memoranda: | ||
| Average total assets | $442,943,500 | 1,504 |
| Average earning assets | $425,575,000 | 1,441 |
| Average equity | $53,285,000 | 1,331 |
| Average total loans | $331,706,500 | 1,283 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9318% | 485 |
| Cost of funding earning assets | 0.8818% | 4,244 |
| Net interest margin | 5.0500% | 370 |
| Noninterest income to average assets | 0.2820% | 5,514 |
| Noninterest expense to average assets | 1.9357% | 6,783 |
| Loan and lease loss provision to assets | 0.1444% | 4,807 |
| Net operating income to assets | 1.8908% | 387 |
| Return on assets (ROA) | 1.8908% | 419 |
| Pretax return on assets | 3.0123% | 122 |
| Return on Equity (ROE) | 15.9731% | 606 |
| Retained earnings to average equity (ytd only) | 7.2250% | 1,397 |
| Net charge-offs to loans | 0.0416% | 5,898 |
| Credit loss provision to net charge-offs | 442.4460% | 515 |
| Earnings coverage of net charge-offs (x) | 96.7338% | 313 |
| Efficiency ratio | 38.0112% | 7,233 |
| Assets per employee ($millions) | 5.5619% | 1,568 |
| Cash dividends to net income (ytd only)* | 54.7678% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 3,499 |
| Loan loss allowance to noncurrent loans | 117.2210% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 4,386 |
| Noncurrent loans to loans | 1.3851% | 4,067 |
| Net loans and leases to total assets | 74.8168% | 1,123 |
| Net loans and leases to deposits | 87.5965% | 1,437 |
| Net loans and leases to core deposits | 105.6058% | 808 |
| Total domestic deposits to total assets | 85.4107% | 3,641 |
| Equity capital to assets | 12.1876% | 1,976 |
| Core capital (leverage) ratio | 11.4244% | 1,948 |
| Tier 1 risk-based capital ratio | 14.2028% | 4,175 |
| Total risk-based capital ratio | 15.4557% | 4,129 |
| Memoranda: | ||
| Average total assets | $425,953,000 | 1,530 |
| Average earning assets | $405,744,800 | 1,467 |
| Average equity | $50,422,400 | 1,353 |
| Average total loans | $333,812,400 | 1,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 455 |
| Cost of funding earning assets | 0.9284% | 4,205 |
| Net interest margin | 5.0764% | 358 |
| Noninterest income to average assets | 0.2805% | 5,606 |
| Noninterest expense to average assets | 1.9431% | 6,801 |
| Loan and lease loss provision to assets | 0.0906% | 5,324 |
| Net operating income to assets | 1.9120% | 416 |
| Return on assets (ROA) | 1.9120% | 449 |
| Pretax return on assets | 3.0717% | 133 |
| Return on Equity (ROE) | 16.2748% | 641 |
| Retained earnings to average equity (ytd only) | 4.8691% | 3,263 |
| Net charge-offs to loans | -0.0135% | 6,827 |
| Credit loss provision to net charge-offs | -847.0588% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0597% | 7,288 |
| Assets per employee ($millions) | 6.0010% | 1,204 |
| Cash dividends to net income (ytd only)* | 70.0823% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 4,019 |
| Loan loss allowance to noncurrent loans | 339.1786% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 5,982 |
| Noncurrent loans to loans | 0.4472% | 5,951 |
| Net loans and leases to total assets | 77.1174% | 824 |
| Net loans and leases to deposits | 90.4282% | 1,162 |
| Net loans and leases to core deposits | 112.2345% | 601 |
| Total domestic deposits to total assets | 85.2802% | 3,631 |
| Equity capital to assets | 11.6491% | 2,542 |
| Core capital (leverage) ratio | 11.3260% | 2,142 |
| Tier 1 risk-based capital ratio | 13.2566% | 4,911 |
| Total risk-based capital ratio | 14.5087% | 4,882 |
| Memoranda: | ||
| Average total assets | $423,985,000 | 1,549 |
| Average earning assets | $402,980,750 | 1,495 |
| Average equity | $49,809,750 | 1,370 |
| Average total loans | $334,782,750 | 1,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0063% | 476 |
| Cost of funding earning assets | 0.9634% | 4,227 |
| Net interest margin | 5.0429% | 373 |
| Noninterest income to average assets | 0.2666% | 5,746 |
| Noninterest expense to average assets | 1.9857% | 6,821 |
| Loan and lease loss provision to assets | 0.0491% | 5,697 |
| Net operating income to assets | 1.8870% | 420 |
| Return on assets (ROA) | 1.8870% | 451 |
| Pretax return on assets | 3.0156% | 140 |
| Return on Equity (ROE) | 16.0153% | 670 |
| Retained earnings to average equity (ytd only) | 9.5865% | 941 |
| Net charge-offs to loans | -0.0361% | 6,963 |
| Credit loss provision to net charge-offs | -171.6667% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3181% | 7,345 |
| Assets per employee ($millions) | 5.6810% | 1,413 |
| Cash dividends to net income (ytd only)* | 40.1416% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,285 |
| Loan loss allowance to noncurrent loans | 1,397.2299% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 6,253 |
| Noncurrent loans to loans | 0.1047% | 6,711 |
| Net loans and leases to total assets | 78.7115% | 679 |
| Net loans and leases to deposits | 92.7329% | 978 |
| Net loans and leases to core deposits | 114.7581% | 558 |
| Total domestic deposits to total assets | 84.8798% | 3,928 |
| Equity capital to assets | 11.8945% | 2,169 |
| Core capital (leverage) ratio | 11.5314% | 1,894 |
| Tier 1 risk-based capital ratio | 13.3796% | 4,628 |
| Total risk-based capital ratio | 14.6311% | 4,607 |
| Memoranda: | ||
| Average total assets | $419,290,000 | 1,576 |
| Average earning assets | $397,747,000 | 1,523 |
| Average equity | $49,402,670 | 1,366 |
| Average total loans | $332,033,330 | 1,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0120% | 459 |
| Cost of funding earning assets | 1.0080% | 4,148 |
| Net interest margin | 5.0040% | 381 |
| Noninterest income to average assets | 0.2557% | 5,853 |
| Noninterest expense to average assets | 2.0975% | 6,641 |
| Loan and lease loss provision to assets | 0.0029% | 5,822 |
| Net operating income to assets | 1.8206% | 473 |
| Return on assets (ROA) | 1.8206% | 499 |
| Pretax return on assets | 2.8810% | 159 |
| Return on Equity (ROE) | 15.5287% | 734 |
| Retained earnings to average equity (ytd only) | 3.2379% | 4,234 |
| Net charge-offs to loans | -0.0381% | 6,800 |
| Credit loss provision to net charge-offs | -9.6774% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1073% | 7,343 |
| Assets per employee ($millions) | 5.6821% | 1,427 |
| Cash dividends to net income (ytd only)* | 79.1489% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 4,185 |
| Loan loss allowance to noncurrent loans | 97.5005% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 2.3137% | 2,931 |
| Noncurrent loans to loans | 1.5429% | 4,154 |
| Net loans and leases to total assets | 75.5128% | 1,105 |
| Net loans and leases to deposits | 88.7886% | 1,376 |
| Net loans and leases to core deposits | 113.4920% | 615 |
| Total domestic deposits to total assets | 85.0479% | 4,011 |
| Equity capital to assets | 11.4827% | 2,294 |
| Core capital (leverage) ratio | 11.2753% | 1,980 |
| Tier 1 risk-based capital ratio | 13.0376% | 4,801 |
| Total risk-based capital ratio | 14.2890% | 4,783 |
| Memoranda: | ||
| Average total assets | $413,058,000 | 1,604 |
| Average earning assets | $390,088,500 | 1,553 |
| Average equity | $48,426,500 | 1,380 |
| Average total loans | $325,608,000 | 1,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3229% | 444 |
| Cost of funding earning assets | 1.2603% | 4,146 |
| Net interest margin | 5.0626% | 381 |
| Noninterest income to average assets | 0.3654% | 5,184 |
| Noninterest expense to average assets | 1.9907% | 7,036 |
| Loan and lease loss provision to assets | 0.2267% | 5,012 |
| Net operating income to assets | 1.8700% | 358 |
| Return on assets (ROA) | 1.8977% | 364 |
| Pretax return on assets | 2.9406% | 125 |
| Return on Equity (ROE) | 16.1473% | 566 |
| Retained earnings to average equity (ytd only) | 7.9705% | 983 |
| Net charge-offs to loans | 0.0162% | 6,660 |
| Credit loss provision to net charge-offs | 1,726.9231% | 135 |
| Earnings coverage of net charge-offs (x) | 237.9808% | 98 |
| Efficiency ratio | 38.9160% | 7,520 |
| Assets per employee ($millions) | 5.1943% | 1,866 |
| Cash dividends to net income (ytd only)* | 50.6386% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,984 |
| Loan loss allowance to noncurrent loans | 112.0781% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 2.2622% | 3,014 |
| Noncurrent loans to loans | 1.3421% | 4,474 |
| Net loans and leases to total assets | 79.9123% | 670 |
| Net loans and leases to deposits | 93.9379% | 1,069 |
| Net loans and leases to core deposits | 119.4681% | 544 |
| Total domestic deposits to total assets | 85.0693% | 3,819 |
| Equity capital to assets | 11.9809% | 1,929 |
| Core capital (leverage) ratio | 11.2128% | 2,005 |
| Tier 1 risk-based capital ratio | 13.3472% | 4,333 |
| Total risk-based capital ratio | 14.5990% | 4,293 |
| Memoranda: | ||
| Average total assets | $396,048,200 | 1,668 |
| Average earning assets | $371,586,200 | 1,622 |
| Average equity | $46,546,400 | 1,442 |
| Average total loans | $321,784,200 | 1,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3358% | 470 |
| Cost of funding earning assets | 1.2386% | 4,634 |
| Net interest margin | 5.0972% | 359 |
| Noninterest income to average assets | 0.3513% | 5,361 |
| Noninterest expense to average assets | 1.9395% | 7,152 |
| Loan and lease loss provision to assets | 0.1475% | 5,564 |
| Net operating income to assets | 1.8867% | 416 |
| Return on assets (ROA) | 1.9159% | 433 |
| Pretax return on assets | 3.0873% | 112 |
| Return on Equity (ROE) | 16.3823% | 663 |
| Retained earnings to average equity (ytd only) | 5.6878% | 2,554 |
| Net charge-offs to loans | 0.0116% | 6,506 |
| Credit loss provision to net charge-offs | 1,560.7143% | 200 |
| Earnings coverage of net charge-offs (x) | 337.5218% | 93 |
| Efficiency ratio | 37.8167% | 7,613 |
| Assets per employee ($millions) | 5.3583% | 1,757 |
| Cash dividends to net income (ytd only)* | 65.2810% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,826 |
| Loan loss allowance to noncurrent loans | 235.5061% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 1.4658% | 4,254 |
| Noncurrent loans to loans | 0.5628% | 6,078 |
| Net loans and leases to total assets | 81.2491% | 590 |
| Net loans and leases to deposits | 96.3661% | 939 |
| Net loans and leases to core deposits | 133.0104% | 335 |
| Total domestic deposits to total assets | 84.3130% | 3,953 |
| Equity capital to assets | 11.6232% | 2,436 |
| Core capital (leverage) ratio | 11.2076% | 2,121 |
| Tier 1 risk-based capital ratio | 12.5451% | 4,941 |
| Total risk-based capital ratio | 13.7765% | 4,934 |
| Memoranda: | ||
| Average total assets | $395,069,750 | 1,694 |
| Average earning assets | $370,288,000 | 1,656 |
| Average equity | $46,203,250 | 1,463 |
| Average total loans | $321,105,250 | 1,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2706% | 540 |
| Cost of funding earning assets | 1.2455% | 4,864 |
| Net interest margin | 5.0251% | 398 |
| Noninterest income to average assets | 0.3478% | 5,373 |
| Noninterest expense to average assets | 1.9201% | 7,229 |
| Loan and lease loss provision to assets | 0.1176% | 5,721 |
| Net operating income to assets | 1.8860% | 407 |
| Return on assets (ROA) | 1.9227% | 421 |
| Pretax return on assets | 3.0664% | 119 |
| Return on Equity (ROE) | 16.4053% | 649 |
| Retained earnings to average equity (ytd only) | 9.6145% | 939 |
| Net charge-offs to loans | 0.0183% | 6,085 |
| Credit loss provision to net charge-offs | 793.1034% | 467 |
| Earnings coverage of net charge-offs (x) | 210.7931% | 160 |
| Efficiency ratio | 38.0460% | 7,676 |
| Assets per employee ($millions) | 5.3571% | 1,748 |
| Cash dividends to net income (ytd only)* | 41.3940% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 5,054 |
| Loan loss allowance to noncurrent loans | 366.1193% | 818 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 4,495 |
| Noncurrent loans to loans | 0.3486% | 6,537 |
| Net loans and leases to total assets | 81.5488% | 589 |
| Net loans and leases to deposits | 100.6324% | 670 |
| Net loans and leases to core deposits | 134.3283% | 356 |
| Total domestic deposits to total assets | 81.0364% | 5,390 |
| Equity capital to assets | 11.7548% | 2,240 |
| Core capital (leverage) ratio | 11.6938% | 1,808 |
| Tier 1 risk-based capital ratio | 12.8536% | 4,563 |
| Total risk-based capital ratio | 14.0501% | 4,571 |
| Memoranda: | ||
| Average total assets | $391,016,670 | 1,724 |
| Average earning assets | $365,644,670 | 1,683 |
| Average equity | $45,826,670 | 1,467 |
| Average total loans | $316,369,000 | 1,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 581 |
| Cost of funding earning assets | 1.2715% | 4,990 |
| Net interest margin | 4.9748% | 440 |
| Noninterest income to average assets | 0.3081% | 5,679 |
| Noninterest expense to average assets | 2.1108% | 6,908 |
| Loan and lease loss provision to assets | 0.0290% | 6,388 |
| Net operating income to assets | 1.8142% | 480 |
| Return on assets (ROA) | 1.8142% | 528 |
| Pretax return on assets | 2.8068% | 159 |
| Return on Equity (ROE) | 15.5034% | 800 |
| Retained earnings to average equity (ytd only) | 3.2531% | 4,197 |
| Net charge-offs to loans | 0.0078% | 5,486 |
| Credit loss provision to net charge-offs | 466.6667% | 902 |
| Earnings coverage of net charge-offs (x) | 455.6667% | 62 |
| Efficiency ratio | 42.6714% | 7,659 |
| Assets per employee ($millions) | 5.2140% | 1,947 |
| Cash dividends to net income (ytd only)* | 79.0166% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,872 |
| Loan loss allowance to noncurrent loans | 231.8286% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 4,258 |
| Noncurrent loans to loans | 0.5654% | 6,169 |
| Net loans and leases to total assets | 78.1139% | 1,130 |
| Net loans and leases to deposits | 93.4140% | 1,418 |
| Net loans and leases to core deposits | 125.2720% | 606 |
| Total domestic deposits to total assets | 83.6212% | 4,333 |
| Equity capital to assets | 11.5930% | 2,298 |
| Core capital (leverage) ratio | 11.4127% | 1,962 |
| Tier 1 risk-based capital ratio | 13.0582% | 4,294 |
| Total risk-based capital ratio | 14.2713% | 4,293 |
| Memoranda: | ||
| Average total assets | $385,632,500 | 1,792 |
| Average earning assets | $359,569,000 | 1,744 |
| Average equity | $45,125,500 | 1,492 |
| Average total loans | $308,610,000 | 1,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5581% | 596 |
| Cost of funding earning assets | 1.6274% | 4,902 |
| Net interest margin | 4.9307% | 518 |
| Noninterest income to average assets | 0.3567% | 5,546 |
| Noninterest expense to average assets | 1.9175% | 7,477 |
| Loan and lease loss provision to assets | 0.4117% | 4,342 |
| Net operating income to assets | 1.7067% | 427 |
| Return on assets (ROA) | 1.7708% | 402 |
| Pretax return on assets | 2.7598% | 117 |
| Return on Equity (ROE) | 15.8815% | 569 |
| Retained earnings to average equity (ytd only) | 15.3232% | 92 |
| Net charge-offs to loans | 0.1853% | 5,500 |
| Credit loss provision to net charge-offs | 271.6071% | 1,273 |
| Earnings coverage of net charge-offs (x) | 20.2643% | 1,048 |
| Efficiency ratio | 38.4365% | 7,879 |
| Assets per employee ($millions) | 5.2808% | 1,851 |
| Cash dividends to net income (ytd only)* | 3.5152% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,689 |
| Loan loss allowance to noncurrent loans | 328.8509% | 972 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 4,324 |
| Noncurrent loans to loans | 0.3988% | 6,478 |
| Net loans and leases to total assets | 79.8663% | 1,017 |
| Net loans and leases to deposits | 94.9600% | 1,466 |
| Net loans and leases to core deposits | 145.6145% | 620 |
| Total domestic deposits to total assets | 84.1052% | 3,982 |
| Equity capital to assets | 11.8135% | 2,130 |
| Core capital (leverage) ratio | 11.1614% | 2,136 |
| Tier 1 risk-based capital ratio | 13.1222% | 4,065 |
| Total risk-based capital ratio | 14.3450% | 4,030 |
| Memoranda: | ||
| Average total assets | $369,487,200 | 1,841 |
| Average earning assets | $347,112,600 | 1,799 |
| Average equity | $41,199,000 | 1,624 |
| Average total loans | $302,277,800 | 1,589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5308% | 703 |
| Cost of funding earning assets | 1.6731% | 5,045 |
| Net interest margin | 4.8577% | 611 |
| Noninterest income to average assets | 0.3580% | 5,632 |
| Noninterest expense to average assets | 1.9229% | 7,508 |
| Loan and lease loss provision to assets | 0.4867% | 3,469 |
| Net operating income to assets | 1.5273% | 766 |
| Return on assets (ROA) | 1.6124% | 700 |
| Pretax return on assets | 2.6691% | 151 |
| Return on Equity (ROE) | 14.6873% | 816 |
| Retained earnings to average equity (ytd only) | 13.9258% | 200 |
| Net charge-offs to loans | 0.1724% | 5,013 |
| Credit loss provision to net charge-offs | 344.2159% | 1,190 |
| Earnings coverage of net charge-offs (x) | 21.3780% | 1,202 |
| Efficiency ratio | 38.8799% | 7,943 |
| Assets per employee ($millions) | 5.2197% | 1,866 |
| Cash dividends to net income (ytd only)* | 5.1849% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,738 |
| Loan loss allowance to noncurrent loans | 454.6893% | 695 |
| Noncurrent assets plus other real estate owned to assets | 1.2864% | 4,506 |
| Noncurrent loans to loans | 0.2776% | 6,817 |
| Net loans and leases to total assets | 81.4853% | 898 |
| Net loans and leases to deposits | 98.1627% | 1,310 |
| Net loans and leases to core deposits | 159.2788% | 394 |
| Total domestic deposits to total assets | 83.0105% | 4,217 |
| Equity capital to assets | 11.1357% | 2,890 |
| Core capital (leverage) ratio | 10.8113% | 2,554 |
| Tier 1 risk-based capital ratio | 12.0707% | 4,905 |
| Total risk-based capital ratio | 13.2497% | 4,916 |
| Memoranda: | ||
| Average total assets | $366,804,500 | 1,867 |
| Average earning assets | $346,412,750 | 1,818 |
| Average equity | $40,269,500 | 1,679 |
| Average total loans | $300,922,000 | 1,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 864 |
| Cost of funding earning assets | 1.8002% | 4,761 |
| Net interest margin | 4.6770% | 835 |
| Noninterest income to average assets | 0.3436% | 5,762 |
| Noninterest expense to average assets | 1.8822% | 7,645 |
| Loan and lease loss provision to assets | 0.4735% | 3,156 |
| Net operating income to assets | 1.4184% | 983 |
| Return on assets (ROA) | 1.4543% | 985 |
| Pretax return on assets | 2.4756% | 227 |
| Return on Equity (ROE) | 13.3147% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.1459% | 420 |
| Net charge-offs to loans | 0.1112% | 5,046 |
| Credit loss provision to net charge-offs | 520.1220% | 890 |
| Earnings coverage of net charge-offs (x) | 31.7805% | 954 |
| Efficiency ratio | 39.4165% | 8,029 |
| Assets per employee ($millions) | 5.2566% | 1,807 |
| Cash dividends to net income (ytd only)* | 8.7786% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 4,968 |
| Loan loss allowance to noncurrent loans | 65.3980% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5417% | 3,916 |
| Noncurrent loans to loans | 1.8310% | 3,765 |
| Net loans and leases to total assets | 83.1949% | 759 |
| Net loans and leases to deposits | 101.7996% | 1,088 |
| Net loans and leases to core deposits | 155.7429% | 530 |
| Total domestic deposits to total assets | 81.7242% | 4,809 |
| Equity capital to assets | 10.8574% | 3,052 |
| Core capital (leverage) ratio | 10.9041% | 2,482 |
| Tier 1 risk-based capital ratio | 11.8495% | 5,046 |
| Total risk-based capital ratio | 12.9817% | 5,088 |
| Memoranda: | ||
| Average total assets | $360,319,000 | 1,926 |
| Average earning assets | $341,412,000 | 1,858 |
| Average equity | $39,355,000 | 1,730 |
| Average total loans | $294,972,670 | 1,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5189% | 835 |
| Cost of funding earning assets | 2.0033% | 4,111 |
| Net interest margin | 4.5156% | 1,098 |
| Noninterest income to average assets | 0.3595% | 5,565 |
| Noninterest expense to average assets | 1.8210% | 7,677 |
| Loan and lease loss provision to assets | 0.2283% | 4,162 |
| Net operating income to assets | 1.6163% | 763 |
| Return on assets (ROA) | 1.6503% | 784 |
| Pretax return on assets | 2.6360% | 199 |
| Return on Equity (ROE) | 15.0626% | 965 |
| Retained earnings to average equity (ytd only) | 13.5151% | 566 |
| Net charge-offs to loans | 0.0995% | 4,182 |
| Credit loss provision to net charge-offs | 284.5070% | 1,695 |
| Earnings coverage of net charge-offs (x) | 35.0282% | 944 |
| Efficiency ratio | 39.3119% | 8,063 |
| Assets per employee ($millions) | 4.9568% | 2,110 |
| Cash dividends to net income (ytd only)* | 10.2740% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,480 |
| Loan loss allowance to noncurrent loans | 79.0382% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 4,323 |
| Noncurrent loans to loans | 1.3902% | 4,227 |
| Net loans and leases to total assets | 81.9697% | 1,027 |
| Net loans and leases to deposits | 98.9202% | 1,546 |
| Net loans and leases to core deposits | 151.9775% | 650 |
| Total domestic deposits to total assets | 82.8645% | 4,209 |
| Equity capital to assets | 11.2179% | 2,794 |
| Core capital (leverage) ratio | 10.8741% | 2,601 |
| Tier 1 risk-based capital ratio | 12.3584% | 4,653 |
| Total risk-based capital ratio | 13.3926% | 4,726 |
| Memoranda: | ||
| Average total assets | $353,868,500 | 1,965 |
| Average earning assets | $334,841,000 | 1,891 |
| Average equity | $38,771,500 | 1,751 |
| Average total loans | $285,327,500 | 1,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3290% | 562 |
| Cost of funding earning assets | 2.5654% | 3,875 |
| Net interest margin | 4.7636% | 844 |
| Noninterest income to average assets | 0.3264% | 6,110 |
| Noninterest expense to average assets | 1.7916% | 7,764 |
| Loan and lease loss provision to assets | 0.1650% | 5,273 |
| Net operating income to assets | 1.8194% | 535 |
| Return on assets (ROA) | 1.8662% | 452 |
| Pretax return on assets | 2.9124% | 105 |
| Return on Equity (ROE) | 17.0189% | 630 |
| Retained earnings to average equity (ytd only) | 8.6944% | 657 |
| Net charge-offs to loans | 0.0431% | 6,170 |
| Credit loss provision to net charge-offs | 472.6496% | 931 |
| Earnings coverage of net charge-offs (x) | 86.0769% | 490 |
| Efficiency ratio | 37.3577% | 8,171 |
| Assets per employee ($millions) | 5.0830% | 1,865 |
| Cash dividends to net income (ytd only)* | 48.9130% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 5,266 |
| Loan loss allowance to noncurrent loans | 235.5556% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 6,076 |
| Noncurrent loans to loans | 0.4678% | 5,944 |
| Net loans and leases to total assets | 77.5420% | 2,254 |
| Net loans and leases to deposits | 93.2347% | 2,916 |
| Net loans and leases to core deposits | 146.0724% | 1,016 |
| Total domestic deposits to total assets | 83.1687% | 3,699 |
| Equity capital to assets | 10.6979% | 3,301 |
| Core capital (leverage) ratio | 10.5178% | 2,964 |
| Tier 1 risk-based capital ratio | 12.2753% | 4,606 |
| Total risk-based capital ratio | 13.2955% | 4,669 |
| Memoranda: | ||
| Average total assets | $335,222,200 | 1,995 |
| Average earning assets | $314,533,000 | 1,938 |
| Average equity | $36,759,200 | 1,843 |
| Average total loans | $271,461,400 | 1,763 |