Home > Independent Bank > Performance and Condition Ratios
Independent Bank, Performance and Condition Ratios
| 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 | 7.0146% | 198 |
| Cost of funding earning assets | 2.0527% | 645 |
| Net interest margin | 4.9619% | 323 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 3.3412% | 682 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4710% | 1,188 |
| Return on assets (ROA) | 1.4710% | 1,171 |
| Pretax return on assets | 1.9106% | 849 |
| Return on Equity (ROE) | 12.5900% | 1,981 |
| Retained earnings to average equity (ytd only) | 1.8248% | 3,764 |
| Net charge-offs to loans | 0.4307% | 196 |
| Credit loss provision to net charge-offs | 34.4902% | 1,955 |
| Earnings coverage of net charge-offs (x) | 5.6575% | 2,339 |
| Efficiency ratio | 62.1522% | 2,694 |
| Assets per employee ($millions) | 6.0428% | 2,710 |
| Cash dividends to net income (ytd only)* | 85.5094% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 1,935 |
| Loan loss allowance to noncurrent loans | 128.2135% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 447 |
| Noncurrent loans to loans | 1.0021% | 801 |
| Net loans and leases to total assets | 83.4100% | 336 |
| Net loans and leases to deposits | 100.4914% | 487 |
| Net loans and leases to core deposits | 123.6261% | 469 |
| Total domestic deposits to total assets | 83.0000% | 3,019 |
| Equity capital to assets | 11.3156% | 1,237 |
| Core capital (leverage) ratio | 10.7575% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0237% | 2,605 |
| Memoranda: | ||
| Average total assets | $1,378,021,500 | 760 |
| Average earning assets | $1,195,316,250 | 803 |
| Average equity | $160,965,500 | 634 |
| Average total loans | $1,150,613,250 | 653 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8997% | 187 |
| Cost of funding earning assets | 1.8333% | 695 |
| Net interest margin | 5.0663% | 286 |
| Noninterest income to average assets | 1.1100% | 486 |
| Noninterest expense to average assets | 3.3534% | 645 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.5237% | 1,060 |
| Return on assets (ROA) | 1.5237% | 1,056 |
| Pretax return on assets | 2.0026% | 746 |
| Return on Equity (ROE) | 12.9100% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.7049% | 2,377 |
| Net charge-offs to loans | 0.5807% | 143 |
| Credit loss provision to net charge-offs | 26.0461% | 1,750 |
| Earnings coverage of net charge-offs (x) | 4.4078% | 2,218 |
| Efficiency ratio | 61.1736% | 2,822 |
| Assets per employee ($millions) | 6.0821% | 2,644 |
| Cash dividends to net income (ytd only)* | 48.0446% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 1,816 |
| Loan loss allowance to noncurrent loans | 142.2204% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 382 |
| Noncurrent loans to loans | 0.9323% | 820 |
| Net loans and leases to total assets | 79.9000% | 638 |
| Net loans and leases to deposits | 100.3936% | 497 |
| Net loans and leases to core deposits | 124.4374% | 422 |
| Total domestic deposits to total assets | 79.5900% | 3,633 |
| Equity capital to assets | 11.4065% | 1,229 |
| Core capital (leverage) ratio | 11.2307% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4340% | 2,487 |
| Memoranda: | ||
| Average total assets | $1,366,023,667 | 756 |
| Average earning assets | $1,179,508,000 | 798 |
| Average equity | $161,286,000 | 630 |
| Average total loans | $1,135,882,333 | 647 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8447% | 129 |
| Cost of funding earning assets | 1.5568% | 755 |
| Net interest margin | 5.2879% | 203 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 3.4466% | 577 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5941% | 991 |
| Return on assets (ROA) | 1.5941% | 991 |
| Pretax return on assets | 2.0872% | 670 |
| Return on Equity (ROE) | 13.2000% | 1,944 |
| Retained earnings to average equity (ytd only) | 0.7963% | 3,896 |
| Net charge-offs to loans | 0.1749% | 412 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 15.1606% | 1,552 |
| Efficiency ratio | 60.6676% | 2,866 |
| Assets per employee ($millions) | 5.8512% | 2,894 |
| Cash dividends to net income (ytd only)* | 93.9673% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 1,740 |
| Loan loss allowance to noncurrent loans | 163.4438% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 331 |
| Noncurrent loans to loans | 0.8375% | 913 |
| Net loans and leases to total assets | 82.7200% | 310 |
| Net loans and leases to deposits | 101.6936% | 370 |
| Net loans and leases to core deposits | 109.0705% | 731 |
| Total domestic deposits to total assets | 81.3500% | 3,579 |
| Equity capital to assets | 11.7439% | 1,075 |
| Core capital (leverage) ratio | 11.1378% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6081% | 2,534 |
| Memoranda: | ||
| Average total assets | $1,335,214,000 | 785 |
| Average earning assets | $1,153,643,500 | 835 |
| Average equity | $161,242,500 | 641 |
| Average total loans | $1,125,121,000 | 658 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 131 |
| Cost of funding earning assets | 0.3917% | 2,160 |
| Net interest margin | 5.2459% | 110 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.4227% | 534 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.5480% | 783 |
| Return on assets (ROA) | 1.5480% | 756 |
| Pretax return on assets | 2.0237% | 453 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 9.5590% | 1,297 |
| Net charge-offs to loans | 0.1169% | 647 |
| Credit loss provision to net charge-offs | 116.9099% | 1,477 |
| Earnings coverage of net charge-offs (x) | 23.2893% | 1,818 |
| Efficiency ratio | 61.6324% | 2,816 |
| Assets per employee ($millions) | 5.7839% | 2,963 |
| Cash dividends to net income (ytd only)* | 25.3653% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,626 |
| Loan loss allowance to noncurrent loans | 199.1248% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 543 |
| Noncurrent loans to loans | 0.4728% | 1,518 |
| Net loans and leases to total assets | 83.8700% | 265 |
| Net loans and leases to deposits | 99.0571% | 477 |
| Net loans and leases to core deposits | 105.0172% | 787 |
| Total domestic deposits to total assets | 84.6700% | 3,067 |
| Equity capital to assets | 12.4197% | 822 |
| Core capital (leverage) ratio | 11.7093% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5363% | 2,557 |
| Memoranda: | ||
| Average total assets | $1,273,392,800 | 805 |
| Average earning assets | $1,084,879,600 | 862 |
| Average equity | $153,907,800 | 665 |
| Average total loans | $996,473,000 | 683 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 144 |
| Cost of funding earning assets | 0.2474% | 2,732 |
| Net interest margin | 5.0479% | 114 |
| Noninterest income to average assets | 1.1500% | 538 |
| Noninterest expense to average assets | 3.3759% | 535 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.5034% | 847 |
| Return on assets (ROA) | 1.5034% | 824 |
| Pretax return on assets | 1.9639% | 505 |
| Return on Equity (ROE) | 12.5300% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.1316% | 1,952 |
| Net charge-offs to loans | 0.0962% | 641 |
| Credit loss provision to net charge-offs | 153.7249% | 1,118 |
| Earnings coverage of net charge-offs (x) | 28.2006% | 1,552 |
| Efficiency ratio | 61.9088% | 2,841 |
| Assets per employee ($millions) | 5.6254% | 3,103 |
| Cash dividends to net income (ytd only)* | 35.0951% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,399 |
| Loan loss allowance to noncurrent loans | 216.6497% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9590% | 474 |
| Noncurrent loans to loans | 0.4687% | 1,632 |
| Net loans and leases to total assets | 83.8500% | 259 |
| Net loans and leases to deposits | 96.5592% | 530 |
| Net loans and leases to core deposits | 101.2903% | 772 |
| Total domestic deposits to total assets | 86.8300% | 2,820 |
| Equity capital to assets | 12.7261% | 726 |
| Core capital (leverage) ratio | 11.6448% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9827% | 2,477 |
| Memoranda: | ||
| Average total assets | $1,263,506,000 | 818 |
| Average earning assets | $1,076,019,000 | 872 |
| Average equity | $151,619,000 | 680 |
| Average total loans | $967,672,000 | 698 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 177 |
| Cost of funding earning assets | 0.2422% | 2,367 |
| Net interest margin | 4.7370% | 144 |
| Noninterest income to average assets | 1.2749% | 439 |
| Noninterest expense to average assets | 3.3273% | 529 |
| Loan and lease loss provision to assets | 0.1061% | 941 |
| Net operating income to assets | 1.4104% | 885 |
| Return on assets (ROA) | 1.4104% | 859 |
| Pretax return on assets | 1.8444% | 538 |
| Return on Equity (ROE) | 11.9886% | 1,672 |
| Retained earnings to average equity (ytd only) | 6.6431% | 2,117 |
| Net charge-offs to loans | 0.0903% | 623 |
| Credit loss provision to net charge-offs | 158.8235% | 1,068 |
| Earnings coverage of net charge-offs (x) | 29.1929% | 1,402 |
| Efficiency ratio | 63.0425% | 2,914 |
| Assets per employee ($millions) | 5.4350% | 3,285 |
| Cash dividends to net income (ytd only)* | 44.5881% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,415 |
| Loan loss allowance to noncurrent loans | 219.2372% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 588 |
| Noncurrent loans to loans | 0.4755% | 1,692 |
| Net loans and leases to total assets | 80.5864% | 365 |
| Net loans and leases to deposits | 92.2902% | 592 |
| Net loans and leases to core deposits | 95.9046% | 835 |
| Total domestic deposits to total assets | 87.3185% | 2,820 |
| Equity capital to assets | 12.3575% | 788 |
| Core capital (leverage) ratio | 11.0103% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7168% | 2,599 |
| Memoranda: | ||
| Average total assets | $1,272,143,000 | 810 |
| Average earning assets | $1,075,033,000 | 874 |
| Average equity | $149,659,333 | 691 |
| Average total loans | $940,793,667 | 708 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 277 |
| Cost of funding earning assets | 0.2464% | 2,199 |
| Net interest margin | 4.3147% | 233 |
| Noninterest income to average assets | 1.2721% | 440 |
| Noninterest expense to average assets | 3.2816% | 546 |
| Loan and lease loss provision to assets | 0.1083% | 769 |
| Net operating income to assets | 1.1889% | 1,273 |
| Return on assets (ROA) | 1.1889% | 1,270 |
| Pretax return on assets | 1.5514% | 919 |
| Return on Equity (ROE) | 10.3567% | 1,839 |
| Retained earnings to average equity (ytd only) | -0.4597% | 4,076 |
| Net charge-offs to loans | 0.0988% | 524 |
| Credit loss provision to net charge-offs | 155.8036% | 850 |
| Earnings coverage of net charge-offs (x) | 23.8705% | 1,221 |
| Efficiency ratio | 66.4112% | 2,715 |
| Assets per employee ($millions) | 5.7204% | 3,093 |
| Cash dividends to net income (ytd only)* | 104.4386% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,215 |
| Loan loss allowance to noncurrent loans | 212.0359% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 565 |
| Noncurrent loans to loans | 0.5309% | 1,705 |
| Net loans and leases to total assets | 70.9289% | 932 |
| Net loans and leases to deposits | 80.4106% | 1,114 |
| Net loans and leases to core deposits | 83.3022% | 1,280 |
| Total domestic deposits to total assets | 88.2083% | 2,425 |
| Equity capital to assets | 11.4907% | 1,128 |
| Core capital (leverage) ratio | 10.4837% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3480% | 2,464 |
| Memoranda: | ||
| Average total assets | $1,288,628,500 | 811 |
| Average earning assets | $1,095,884,000 | 870 |
| Average equity | $147,923,500 | 717 |
| Average total loans | $906,629,000 | 720 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 355 |
| Cost of funding earning assets | 0.3510% | 1,929 |
| Net interest margin | 4.4582% | 298 |
| Noninterest income to average assets | 1.2927% | 638 |
| Noninterest expense to average assets | 3.3307% | 598 |
| Loan and lease loss provision to assets | 0.1345% | 906 |
| Net operating income to assets | 1.2011% | 1,921 |
| Return on assets (ROA) | 1.2011% | 1,969 |
| Pretax return on assets | 1.5688% | 1,510 |
| Return on Equity (ROE) | 10.0151% | 2,513 |
| Retained earnings to average equity (ytd only) | 1.1912% | 4,206 |
| Net charge-offs to loans | 0.2306% | 401 |
| Credit loss provision to net charge-offs | 78.8168% | 1,961 |
| Earnings coverage of net charge-offs (x) | 9.9823% | 2,230 |
| Efficiency ratio | 66.1648% | 2,234 |
| Assets per employee ($millions) | 5.7596% | 3,000 |
| Cash dividends to net income (ytd only)* | 88.1057% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,109 |
| Loan loss allowance to noncurrent loans | 215.6900% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 657 |
| Noncurrent loans to loans | 0.5350% | 1,790 |
| Net loans and leases to total assets | 68.1831% | 1,247 |
| Net loans and leases to deposits | 77.3528% | 1,463 |
| Net loans and leases to core deposits | 80.1107% | 1,583 |
| Total domestic deposits to total assets | 88.1457% | 1,959 |
| Equity capital to assets | 11.4676% | 1,523 |
| Core capital (leverage) ratio | 10.7131% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5110% | 2,447 |
| Memoranda: | ||
| Average total assets | $1,228,416,000 | 810 |
| Average earning assets | $1,030,875,600 | 881 |
| Average equity | $147,327,600 | 727 |
| Average total loans | $908,794,400 | 721 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 355 |
| Cost of funding earning assets | 0.3810% | 1,848 |
| Net interest margin | 4.5058% | 310 |
| Noninterest income to average assets | 1.3317% | 667 |
| Noninterest expense to average assets | 3.3111% | 591 |
| Loan and lease loss provision to assets | 0.0614% | 1,766 |
| Net operating income to assets | 1.3337% | 1,727 |
| Return on assets (ROA) | 1.3337% | 1,782 |
| Pretax return on assets | 1.7417% | 1,302 |
| Return on Equity (ROE) | 10.9919% | 2,368 |
| Retained earnings to average equity (ytd only) | -0.7855% | 4,647 |
| Net charge-offs to loans | 0.2194% | 377 |
| Credit loss provision to net charge-offs | 37.1923% | 1,932 |
| Earnings coverage of net charge-offs (x) | 10.9142% | 2,018 |
| Efficiency ratio | 64.7431% | 2,283 |
| Assets per employee ($millions) | 5.5590% | 3,136 |
| Cash dividends to net income (ytd only)* | 107.1458% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,439 |
| Loan loss allowance to noncurrent loans | 201.1738% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1806% | 503 |
| Noncurrent loans to loans | 0.5466% | 1,954 |
| Net loans and leases to total assets | 70.8715% | 1,005 |
| Net loans and leases to deposits | 81.0317% | 1,186 |
| Net loans and leases to core deposits | 84.2804% | 1,402 |
| Total domestic deposits to total assets | 87.4615% | 2,130 |
| Equity capital to assets | 11.7146% | 1,539 |
| Core capital (leverage) ratio | 10.6330% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2338% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,212,981,000 | 827 |
| Average earning assets | $1,018,283,500 | 899 |
| Average equity | $147,172,000 | 739 |
| Average total loans | $913,508,500 | 730 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 377 |
| Cost of funding earning assets | 0.4150% | 1,762 |
| Net interest margin | 4.5241% | 339 |
| Noninterest income to average assets | 1.3444% | 654 |
| Noninterest expense to average assets | 3.3649% | 562 |
| Loan and lease loss provision to assets | 0.0424% | 2,164 |
| Net operating income to assets | 1.3283% | 1,780 |
| Return on assets (ROA) | 1.3283% | 1,845 |
| Pretax return on assets | 1.7289% | 1,411 |
| Return on Equity (ROE) | 10.8198% | 2,491 |
| Retained earnings to average equity (ytd only) | 6.7608% | 2,517 |
| Net charge-offs to loans | 0.1007% | 735 |
| Credit loss provision to net charge-offs | 54.9569% | 1,582 |
| Earnings coverage of net charge-offs (x) | 22.9828% | 1,474 |
| Efficiency ratio | 65.5132% | 2,224 |
| Assets per employee ($millions) | 5.3475% | 3,291 |
| Cash dividends to net income (ytd only)* | 37.5141% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,108 |
| Loan loss allowance to noncurrent loans | 201.4576% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 690 |
| Noncurrent loans to loans | 0.5792% | 1,951 |
| Net loans and leases to total assets | 73.9447% | 760 |
| Net loans and leases to deposits | 85.0885% | 977 |
| Net loans and leases to core deposits | 92.4820% | 975 |
| Total domestic deposits to total assets | 86.9032% | 2,379 |
| Equity capital to assets | 12.5505% | 1,111 |
| Core capital (leverage) ratio | 11.3973% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3717% | 2,588 |
| Memoranda: | ||
| Average total assets | $1,204,086,000 | 830 |
| Average earning assets | $1,009,171,333 | 904 |
| Average equity | $147,822,000 | 723 |
| Average total loans | $921,898,333 | 728 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 442 |
| Cost of funding earning assets | 0.4513% | 1,716 |
| Net interest margin | 4.4062% | 422 |
| Noninterest income to average assets | 1.4289% | 654 |
| Noninterest expense to average assets | 3.3842% | 536 |
| Loan and lease loss provision to assets | 0.1245% | 1,104 |
| Net operating income to assets | 1.2519% | 1,972 |
| Return on assets (ROA) | 1.2519% | 2,052 |
| Pretax return on assets | 1.6328% | 1,642 |
| Return on Equity (ROE) | 10.3125% | 2,593 |
| Retained earnings to average equity (ytd only) | 2.1063% | 3,987 |
| Net charge-offs to loans | 0.2483% | 340 |
| Credit loss provision to net charge-offs | 64.7668% | 1,264 |
| Earnings coverage of net charge-offs (x) | 9.1399% | 1,549 |
| Efficiency ratio | 65.8206% | 2,256 |
| Assets per employee ($millions) | 5.3350% | 3,297 |
| Cash dividends to net income (ytd only)* | 79.5756% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,224 |
| Loan loss allowance to noncurrent loans | 204.0583% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 602 |
| Noncurrent loans to loans | 0.5606% | 2,174 |
| Net loans and leases to total assets | 75.9894% | 632 |
| Net loans and leases to deposits | 87.1394% | 880 |
| Net loans and leases to core deposits | 96.1036% | 878 |
| Total domestic deposits to total assets | 87.2044% | 2,223 |
| Equity capital to assets | 12.2732% | 1,166 |
| Core capital (leverage) ratio | 11.0816% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1044% | 2,629 |
| Memoranda: | ||
| Average total assets | $1,204,534,000 | 820 |
| Average earning assets | $1,014,932,500 | 881 |
| Average equity | $146,230,000 | 725 |
| Average total loans | $932,748,000 | 718 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 240 |
| Cost of funding earning assets | 0.8467% | 1,029 |
| Net interest margin | 4.5000% | 330 |
| Noninterest income to average assets | 1.5884% | 490 |
| Noninterest expense to average assets | 3.4156% | 774 |
| Loan and lease loss provision to assets | 0.3578% | 953 |
| Net operating income to assets | 1.2576% | 1,365 |
| Return on assets (ROA) | 1.2576% | 1,472 |
| Pretax return on assets | 1.6047% | 1,069 |
| Return on Equity (ROE) | 10.3842% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.8131% | 1,455 |
| Net charge-offs to loans | 0.2179% | 798 |
| Credit loss provision to net charge-offs | 202.2494% | 2,150 |
| Earnings coverage of net charge-offs (x) | 11.0939% | 2,416 |
| Efficiency ratio | 63.5099% | 2,893 |
| Assets per employee ($millions) | 5.4440% | 2,899 |
| Cash dividends to net income (ytd only)* | 34.3903% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,300 |
| Loan loss allowance to noncurrent loans | 214.3457% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 687 |
| Noncurrent loans to loans | 0.5278% | 2,397 |
| Net loans and leases to total assets | 77.1128% | 687 |
| Net loans and leases to deposits | 88.3790% | 1,050 |
| Net loans and leases to core deposits | 99.2441% | 942 |
| Total domestic deposits to total assets | 87.2523% | 1,819 |
| Equity capital to assets | 12.0088% | 1,563 |
| Core capital (leverage) ratio | 11.0670% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5567% | 2,783 |
| Memoranda: | ||
| Average total assets | $1,156,063,200 | 773 |
| Average earning assets | $973,547,800 | 838 |
| Average equity | $140,010,400 | 715 |
| Average total loans | $938,490,000 | 688 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4336% | 264 |
| Cost of funding earning assets | 0.9392% | 937 |
| Net interest margin | 4.4944% | 385 |
| Noninterest income to average assets | 1.5202% | 503 |
| Noninterest expense to average assets | 3.5035% | 703 |
| Loan and lease loss provision to assets | 0.1952% | 2,024 |
| Net operating income to assets | 1.2448% | 1,501 |
| Return on assets (ROA) | 1.2448% | 1,615 |
| Pretax return on assets | 1.6159% | 1,147 |
| Return on Equity (ROE) | 10.2553% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.4442% | 2,353 |
| Net charge-offs to loans | 0.2235% | 684 |
| Credit loss provision to net charge-offs | 106.4331% | 2,574 |
| Earnings coverage of net charge-offs (x) | 9.8764% | 2,396 |
| Efficiency ratio | 65.9231% | 2,479 |
| Assets per employee ($millions) | 5.2566% | 2,941 |
| Cash dividends to net income (ytd only)* | 46.9131% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,068 |
| Loan loss allowance to noncurrent loans | 148.5778% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 706 |
| Noncurrent loans to loans | 0.6064% | 2,285 |
| Net loans and leases to total assets | 81.4882% | 483 |
| Net loans and leases to deposits | 93.5823% | 956 |
| Net loans and leases to core deposits | 106.0379% | 846 |
| Total domestic deposits to total assets | 87.0765% | 1,635 |
| Equity capital to assets | 12.0455% | 1,646 |
| Core capital (leverage) ratio | 10.9222% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1119% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,141,574,750 | 774 |
| Average earning assets | $963,757,750 | 828 |
| Average equity | $138,565,750 | 715 |
| Average total loans | $936,393,750 | 679 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 340 |
| Cost of funding earning assets | 1.0398% | 873 |
| Net interest margin | 4.4573% | 554 |
| Noninterest income to average assets | 1.4159% | 527 |
| Noninterest expense to average assets | 3.4586% | 784 |
| Loan and lease loss provision to assets | 0.1170% | 2,851 |
| Net operating income to assets | 1.2201% | 1,584 |
| Return on assets (ROA) | 1.2201% | 1,706 |
| Pretax return on assets | 1.5844% | 1,264 |
| Return on Equity (ROE) | 10.0250% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.6606% | 2,208 |
| Net charge-offs to loans | 0.2063% | 752 |
| Credit loss provision to net charge-offs | 69.2147% | 2,556 |
| Earnings coverage of net charge-offs (x) | 10.0628% | 2,177 |
| Efficiency ratio | 67.0258% | 2,373 |
| Assets per employee ($millions) | 5.2091% | 2,923 |
| Cash dividends to net income (ytd only)* | 43.5350% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,027 |
| Loan loss allowance to noncurrent loans | 121.2580% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3800% | 717 |
| Noncurrent loans to loans | 0.7358% | 2,036 |
| Net loans and leases to total assets | 79.2792% | 686 |
| Net loans and leases to deposits | 90.9172% | 1,276 |
| Net loans and leases to core deposits | 105.9618% | 896 |
| Total domestic deposits to total assets | 87.1994% | 1,547 |
| Equity capital to assets | 11.9977% | 1,661 |
| Core capital (leverage) ratio | 11.0773% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1260% | 2,934 |
| Memoranda: | ||
| Average total assets | $1,129,606,333 | 771 |
| Average earning assets | $948,868,667 | 831 |
| Average equity | $137,476,667 | 714 |
| Average total loans | $925,781,667 | 679 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 231 |
| Cost of funding earning assets | 1.2045% | 765 |
| Net interest margin | 4.5557% | 443 |
| Noninterest income to average assets | 1.4690% | 418 |
| Noninterest expense to average assets | 3.4877% | 956 |
| Loan and lease loss provision to assets | 0.2704% | 1,156 |
| Net operating income to assets | 1.1773% | 1,590 |
| Return on assets (ROA) | 1.1773% | 1,712 |
| Pretax return on assets | 1.5212% | 1,254 |
| Return on Equity (ROE) | 9.6023% | 1,874 |
| Retained earnings to average equity (ytd only) | 0.7928% | 3,790 |
| Net charge-offs to loans | 0.2668% | 545 |
| Credit loss provision to net charge-offs | 122.1138% | 1,700 |
| Earnings coverage of net charge-offs (x) | 8.0911% | 1,887 |
| Efficiency ratio | 66.0642% | 2,951 |
| Assets per employee ($millions) | 5.1217% | 2,510 |
| Cash dividends to net income (ytd only)* | 91.7431% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,989 |
| Loan loss allowance to noncurrent loans | 152.2866% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 836 |
| Noncurrent loans to loans | 0.6137% | 2,453 |
| Net loans and leases to total assets | 83.5254% | 298 |
| Net loans and leases to deposits | 102.8130% | 418 |
| Net loans and leases to core deposits | 122.3853% | 403 |
| Total domestic deposits to total assets | 81.2401% | 3,615 |
| Equity capital to assets | 12.2723% | 1,868 |
| Core capital (leverage) ratio | 11.1076% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8427% | 3,146 |
| Memoranda: | ||
| Average total assets | $1,110,985,500 | 752 |
| Average earning assets | $929,212,500 | 814 |
| Average equity | $136,217,500 | 716 |
| Average total loans | $921,974,500 | 650 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9149% | 257 |
| Cost of funding earning assets | 1.2289% | 949 |
| Net interest margin | 4.6859% | 490 |
| Noninterest income to average assets | 1.5655% | 378 |
| Noninterest expense to average assets | 3.4964% | 970 |
| Loan and lease loss provision to assets | 0.3564% | 422 |
| Net operating income to assets | 1.3050% | 1,671 |
| Return on assets (ROA) | 1.3050% | 1,750 |
| Pretax return on assets | 1.6426% | 1,357 |
| Return on Equity (ROE) | 10.5458% | 2,066 |
| Retained earnings to average equity (ytd only) | 5.9617% | 1,886 |
| Net charge-offs to loans | 0.4312% | 444 |
| Credit loss provision to net charge-offs | 99.6300% | 2,509 |
| Earnings coverage of net charge-offs (x) | 5.5875% | 3,068 |
| Efficiency ratio | 63.6243% | 3,128 |
| Assets per employee ($millions) | 5.1415% | 2,407 |
| Cash dividends to net income (ytd only)* | 43.4688% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 3,740 |
| Loan loss allowance to noncurrent loans | 163.1718% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 847 |
| Noncurrent loans to loans | 0.5827% | 2,438 |
| Net loans and leases to total assets | 80.8834% | 682 |
| Net loans and leases to deposits | 98.1052% | 753 |
| Net loans and leases to core deposits | 116.3420% | 582 |
| Total domestic deposits to total assets | 82.4456% | 3,382 |
| Equity capital to assets | 12.2496% | 1,982 |
| Core capital (leverage) ratio | 11.2852% | 2,260 |
| Tier 1 risk-based capital ratio | 11.1417% | 4,801 |
| Total risk-based capital ratio | 11.9341% | 4,881 |
| Memoranda: | ||
| Average total assets | $1,057,676,800 | 746 |
| Average earning assets | $887,036,400 | 816 |
| Average equity | $130,885,800 | 703 |
| Average total loans | $877,516,600 | 659 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9348% | 272 |
| Cost of funding earning assets | 1.2027% | 1,033 |
| Net interest margin | 4.7321% | 470 |
| Noninterest income to average assets | 1.4717% | 419 |
| Noninterest expense to average assets | 3.4443% | 1,023 |
| Loan and lease loss provision to assets | 0.3161% | 453 |
| Net operating income to assets | 1.3111% | 1,805 |
| Return on assets (ROA) | 1.3111% | 1,885 |
| Pretax return on assets | 1.6937% | 1,352 |
| Return on Equity (ROE) | 10.5668% | 2,184 |
| Retained earnings to average equity (ytd only) | 4.3940% | 3,198 |
| Net charge-offs to loans | 0.3970% | 422 |
| Credit loss provision to net charge-offs | 95.5616% | 2,336 |
| Earnings coverage of net charge-offs (x) | 6.0764% | 2,862 |
| Efficiency ratio | 63.1504% | 3,137 |
| Assets per employee ($millions) | 4.8436% | 2,742 |
| Cash dividends to net income (ytd only)* | 58.4169% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 3,794 |
| Loan loss allowance to noncurrent loans | 149.0206% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 1,364 |
| Noncurrent loans to loans | 0.6425% | 2,356 |
| Net loans and leases to total assets | 83.4807% | 403 |
| Net loans and leases to deposits | 99.3781% | 692 |
| Net loans and leases to core deposits | 119.1872% | 563 |
| Total domestic deposits to total assets | 84.0031% | 2,827 |
| Equity capital to assets | 12.5395% | 1,886 |
| Core capital (leverage) ratio | 11.6157% | 2,132 |
| Tier 1 risk-based capital ratio | 11.2687% | 4,779 |
| Total risk-based capital ratio | 12.0853% | 4,876 |
| Memoranda: | ||
| Average total assets | $1,044,454,500 | 756 |
| Average earning assets | $878,969,250 | 825 |
| Average equity | $129,597,250 | 707 |
| Average total loans | $870,174,250 | 666 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9462% | 262 |
| Cost of funding earning assets | 1.1801% | 1,046 |
| Net interest margin | 4.7661% | 437 |
| Noninterest income to average assets | 1.4543% | 420 |
| Noninterest expense to average assets | 3.4323% | 1,050 |
| Loan and lease loss provision to assets | 0.3331% | 391 |
| Net operating income to assets | 1.3065% | 1,744 |
| Return on assets (ROA) | 1.3065% | 1,810 |
| Pretax return on assets | 1.6880% | 1,297 |
| Return on Equity (ROE) | 10.5673% | 2,147 |
| Retained earnings to average equity (ytd only) | 4.3494% | 3,090 |
| Net charge-offs to loans | 0.4356% | 378 |
| Credit loss provision to net charge-offs | 92.1318% | 2,112 |
| Earnings coverage of net charge-offs (x) | 5.5906% | 2,638 |
| Efficiency ratio | 62.9392% | 3,294 |
| Assets per employee ($millions) | 4.7600% | 2,793 |
| Cash dividends to net income (ytd only)* | 58.8408% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,696 |
| Loan loss allowance to noncurrent loans | 201.1374% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 1,617 |
| Noncurrent loans to loans | 0.4911% | 2,808 |
| Net loans and leases to total assets | 81.9840% | 616 |
| Net loans and leases to deposits | 97.4769% | 893 |
| Net loans and leases to core deposits | 116.6712% | 659 |
| Total domestic deposits to total assets | 84.1060% | 2,811 |
| Equity capital to assets | 12.6087% | 1,793 |
| Core capital (leverage) ratio | 11.4809% | 2,187 |
| Tier 1 risk-based capital ratio | 11.3546% | 4,764 |
| Total risk-based capital ratio | 12.1852% | 4,853 |
| Memoranda: | ||
| Average total assets | $1,040,638,000 | 752 |
| Average earning assets | $873,165,330 | 826 |
| Average equity | $128,661,330 | 706 |
| Average total loans | $863,566,670 | 672 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8434% | 285 |
| Cost of funding earning assets | 1.1518% | 1,041 |
| Net interest margin | 4.6916% | 508 |
| Noninterest income to average assets | 1.4463% | 411 |
| Noninterest expense to average assets | 3.4180% | 1,086 |
| Loan and lease loss provision to assets | 0.3543% | 332 |
| Net operating income to assets | 1.2620% | 1,838 |
| Return on assets (ROA) | 1.2620% | 1,888 |
| Pretax return on assets | 1.6232% | 1,411 |
| Return on Equity (ROE) | 10.3094% | 2,236 |
| Retained earnings to average equity (ytd only) | -2.2324% | 4,762 |
| Net charge-offs to loans | 0.4995% | 302 |
| Credit loss provision to net charge-offs | 85.3839% | 1,748 |
| Earnings coverage of net charge-offs (x) | 4.7660% | 2,306 |
| Efficiency ratio | 63.3492% | 3,338 |
| Assets per employee ($millions) | 4.7539% | 2,844 |
| Cash dividends to net income (ytd only)* | 121.6545% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,827 |
| Loan loss allowance to noncurrent loans | 98.9496% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 1,008 |
| Noncurrent loans to loans | 0.9895% | 1,693 |
| Net loans and leases to total assets | 83.8907% | 385 |
| Net loans and leases to deposits | 97.4781% | 842 |
| Net loans and leases to core deposits | 118.8680% | 558 |
| Total domestic deposits to total assets | 86.0610% | 2,256 |
| Equity capital to assets | 12.4508% | 1,765 |
| Core capital (leverage) ratio | 11.0294% | 2,549 |
| Tier 1 risk-based capital ratio | 11.0883% | 4,933 |
| Total risk-based capital ratio | 11.9243% | 5,019 |
| Memoranda: | ||
| Average total assets | $1,042,122,000 | 756 |
| Average earning assets | $877,225,500 | 823 |
| Average equity | $127,573,500 | 712 |
| Average total loans | $865,744,500 | 672 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 454 |
| Cost of funding earning assets | 0.7004% | 2,090 |
| Net interest margin | 4.7376% | 456 |
| Noninterest income to average assets | 1.4238% | 449 |
| Noninterest expense to average assets | 3.3953% | 1,162 |
| Loan and lease loss provision to assets | 0.4914% | 241 |
| Net operating income to assets | 1.2156% | 2,103 |
| Return on assets (ROA) | 1.2156% | 2,101 |
| Pretax return on assets | 1.5530% | 1,614 |
| Return on Equity (ROE) | 9.9745% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.9053% | 2,239 |
| Net charge-offs to loans | 0.5426% | 328 |
| Credit loss provision to net charge-offs | 112.1322% | 2,305 |
| Earnings coverage of net charge-offs (x) | 4.6655% | 3,266 |
| Efficiency ratio | 62.4170% | 3,449 |
| Assets per employee ($millions) | 4.9633% | 2,549 |
| Cash dividends to net income (ytd only)* | 40.7963% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,714 |
| Loan loss allowance to noncurrent loans | 81.9355% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 966 |
| Noncurrent loans to loans | 1.2177% | 1,312 |
| Net loans and leases to total assets | 80.6791% | 839 |
| Net loans and leases to deposits | 96.0214% | 1,069 |
| Net loans and leases to core deposits | 115.9951% | 685 |
| Total domestic deposits to total assets | 84.0221% | 2,990 |
| Equity capital to assets | 12.0404% | 1,868 |
| Core capital (leverage) ratio | 11.3781% | 2,198 |
| Tier 1 risk-based capital ratio | 10.9132% | 5,012 |
| Total risk-based capital ratio | 11.7465% | 5,077 |
| Memoranda: | ||
| Average total assets | $1,008,211,600 | 760 |
| Average earning assets | $854,623,800 | 824 |
| Average equity | $122,873,600 | 702 |
| Average total loans | $814,288,200 | 689 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 506 |
| Cost of funding earning assets | 0.6108% | 2,403 |
| Net interest margin | 4.7078% | 467 |
| Noninterest income to average assets | 1.4503% | 447 |
| Noninterest expense to average assets | 3.4492% | 1,049 |
| Loan and lease loss provision to assets | 0.4715% | 252 |
| Net operating income to assets | 1.2053% | 2,221 |
| Return on assets (ROA) | 1.2053% | 2,221 |
| Pretax return on assets | 1.5382% | 1,773 |
| Return on Equity (ROE) | 9.8578% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.3764% | 3,571 |
| Net charge-offs to loans | 0.5931% | 251 |
| Credit loss provision to net charge-offs | 98.6816% | 2,313 |
| Earnings coverage of net charge-offs (x) | 4.2059% | 3,089 |
| Efficiency ratio | 63.1841% | 3,303 |
| Assets per employee ($millions) | 4.5935% | 2,986 |
| Cash dividends to net income (ytd only)* | 55.6050% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,822 |
| Loan loss allowance to noncurrent loans | 85.7980% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 1,016 |
| Noncurrent loans to loans | 1.1556% | 1,463 |
| Net loans and leases to total assets | 80.6733% | 917 |
| Net loans and leases to deposits | 97.0490% | 1,037 |
| Net loans and leases to core deposits | 114.0357% | 815 |
| Total domestic deposits to total assets | 83.1264% | 3,257 |
| Equity capital to assets | 12.4955% | 1,589 |
| Core capital (leverage) ratio | 11.4916% | 2,170 |
| Tier 1 risk-based capital ratio | 11.4798% | 4,796 |
| Total risk-based capital ratio | 12.3221% | 4,902 |
| Memoranda: | ||
| Average total assets | $994,726,250 | 766 |
| Average earning assets | $846,989,750 | 830 |
| Average equity | $121,620,000 | 703 |
| Average total loans | $801,467,250 | 695 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 539 |
| Cost of funding earning assets | 0.5456% | 2,647 |
| Net interest margin | 4.6721% | 473 |
| Noninterest income to average assets | 1.4370% | 463 |
| Noninterest expense to average assets | 3.4797% | 1,023 |
| Loan and lease loss provision to assets | 0.4104% | 293 |
| Net operating income to assets | 1.1796% | 2,281 |
| Return on assets (ROA) | 1.1796% | 2,281 |
| Pretax return on assets | 1.5197% | 1,746 |
| Return on Equity (ROE) | 9.7197% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.0885% | 4,016 |
| Net charge-offs to loans | 0.5008% | 303 |
| Credit loss provision to net charge-offs | 102.1021% | 1,982 |
| Earnings coverage of net charge-offs (x) | 4.8013% | 2,768 |
| Efficiency ratio | 64.3224% | 3,274 |
| Assets per employee ($millions) | 4.6334% | 2,918 |
| Cash dividends to net income (ytd only)* | 68.2245% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,662 |
| Loan loss allowance to noncurrent loans | 83.4136% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 921 |
| Noncurrent loans to loans | 1.2322% | 1,405 |
| Net loans and leases to total assets | 76.9134% | 1,480 |
| Net loans and leases to deposits | 91.7022% | 1,620 |
| Net loans and leases to core deposits | 106.8140% | 1,188 |
| Total domestic deposits to total assets | 83.8730% | 3,113 |
| Equity capital to assets | 12.0042% | 1,854 |
| Core capital (leverage) ratio | 11.4401% | 2,122 |
| Tier 1 risk-based capital ratio | 11.3331% | 4,879 |
| Total risk-based capital ratio | 12.1910% | 4,976 |
| Memoranda: | ||
| Average total assets | $994,039,000 | 769 |
| Average earning assets | $845,279,670 | 834 |
| Average equity | $120,642,000 | 711 |
| Average total loans | $797,891,330 | 696 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1898% | 497 |
| Cost of funding earning assets | 0.5150% | 2,680 |
| Net interest margin | 4.6748% | 422 |
| Noninterest income to average assets | 1.4229% | 467 |
| Noninterest expense to average assets | 3.4987% | 1,003 |
| Loan and lease loss provision to assets | 0.4728% | 226 |
| Net operating income to assets | 1.1139% | 2,362 |
| Return on assets (ROA) | 1.1139% | 2,383 |
| Pretax return on assets | 1.4473% | 1,849 |
| Return on Equity (ROE) | 9.1267% | 2,843 |
| Retained earnings to average equity (ytd only) | -4.2311% | 5,156 |
| Net charge-offs to loans | 0.5120% | 296 |
| Credit loss provision to net charge-offs | 113.1707% | 1,428 |
| Earnings coverage of net charge-offs (x) | 4.5961% | 2,288 |
| Efficiency ratio | 64.5656% | 3,392 |
| Assets per employee ($millions) | 4.4143% | 3,302 |
| Cash dividends to net income (ytd only)* | 146.3593% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,764 |
| Loan loss allowance to noncurrent loans | 121.3349% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 1,396 |
| Noncurrent loans to loans | 0.8513% | 2,118 |
| Net loans and leases to total assets | 82.3694% | 618 |
| Net loans and leases to deposits | 97.0049% | 939 |
| Net loans and leases to core deposits | 111.9499% | 896 |
| Total domestic deposits to total assets | 84.9126% | 2,964 |
| Equity capital to assets | 12.4415% | 1,511 |
| Core capital (leverage) ratio | 11.0584% | 2,376 |
| Tier 1 risk-based capital ratio | 11.2956% | 4,981 |
| Total risk-based capital ratio | 12.1871% | 5,072 |
| Memoranda: | ||
| Average total assets | $981,381,500 | 777 |
| Average earning assets | $838,872,500 | 847 |
| Average equity | $119,780,500 | 717 |
| Average total loans | $800,756,000 | 688 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 443 |
| Cost of funding earning assets | 0.5036% | 2,297 |
| Net interest margin | 4.6996% | 422 |
| Noninterest income to average assets | 1.3762% | 552 |
| Noninterest expense to average assets | 3.4223% | 1,168 |
| Loan and lease loss provision to assets | 0.7029% | 176 |
| Net operating income to assets | 0.8403% | 2,996 |
| Return on assets (ROA) | 0.8403% | 3,027 |
| Pretax return on assets | 1.2495% | 2,556 |
| Return on Equity (ROE) | 7.1939% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.6305% | 2,372 |
| Net charge-offs to loans | 1.0476% | 168 |
| Credit loss provision to net charge-offs | 81.9981% | 2,916 |
| Earnings coverage of net charge-offs (x) | 2.2776% | 3,767 |
| Efficiency ratio | 63.6749% | 3,650 |
| Assets per employee ($millions) | 4.6307% | 2,979 |
| Cash dividends to net income (ytd only)* | 35.6337% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,896 |
| Loan loss allowance to noncurrent loans | 237.3974% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 2,359 |
| Noncurrent loans to loans | 0.4242% | 3,261 |
| Net loans and leases to total assets | 79.2308% | 1,075 |
| Net loans and leases to deposits | 93.6393% | 1,312 |
| Net loans and leases to core deposits | 107.4021% | 1,189 |
| Total domestic deposits to total assets | 84.6128% | 2,990 |
| Equity capital to assets | 11.9801% | 1,847 |
| Core capital (leverage) ratio | 10.9668% | 2,373 |
| Tier 1 risk-based capital ratio | 11.0950% | 5,090 |
| Total risk-based capital ratio | 11.9465% | 5,189 |
| Memoranda: | ||
| Average total assets | $1,001,860,200 | 737 |
| Average earning assets | $852,399,600 | 806 |
| Average equity | $117,029,600 | 701 |
| Average total loans | $819,745,000 | 641 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 417 |
| Cost of funding earning assets | 0.4975% | 2,290 |
| Net interest margin | 4.7027% | 406 |
| Noninterest income to average assets | 1.3498% | 575 |
| Noninterest expense to average assets | 3.4021% | 1,151 |
| Loan and lease loss provision to assets | 0.4102% | 325 |
| Net operating income to assets | 1.0058% | 2,527 |
| Return on assets (ROA) | 1.0058% | 2,569 |
| Pretax return on assets | 1.5432% | 1,607 |
| Return on Equity (ROE) | 8.6660% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.2235% | 2,724 |
| Net charge-offs to loans | 0.5083% | 404 |
| Credit loss provision to net charge-offs | 98.0892% | 2,340 |
| Earnings coverage of net charge-offs (x) | 4.6710% | 3,192 |
| Efficiency ratio | 63.5258% | 3,642 |
| Assets per employee ($millions) | 4.5438% | 3,061 |
| Cash dividends to net income (ytd only)* | 39.7246% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,064 |
| Loan loss allowance to noncurrent loans | 225.1821% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 2,135 |
| Noncurrent loans to loans | 0.5213% | 3,139 |
| Net loans and leases to total assets | 81.1016% | 824 |
| Net loans and leases to deposits | 95.5685% | 1,148 |
| Net loans and leases to core deposits | 111.5203% | 952 |
| Total domestic deposits to total assets | 84.8623% | 2,770 |
| Equity capital to assets | 11.9962% | 1,965 |
| Core capital (leverage) ratio | 10.8585% | 2,587 |
| Tier 1 risk-based capital ratio | 10.9999% | 5,249 |
| Total risk-based capital ratio | 12.0087% | 5,273 |
| Memoranda: | ||
| Average total assets | $1,001,108,500 | 742 |
| Average earning assets | $852,739,250 | 810 |
| Average equity | $116,191,000 | 705 |
| Average total loans | $823,615,250 | 638 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 424 |
| Cost of funding earning assets | 0.4894% | 2,257 |
| Net interest margin | 4.6727% | 415 |
| Noninterest income to average assets | 1.3432% | 588 |
| Noninterest expense to average assets | 3.4255% | 1,120 |
| Loan and lease loss provision to assets | 0.3774% | 370 |
| Net operating income to assets | 0.9778% | 2,534 |
| Return on assets (ROA) | 0.9778% | 2,582 |
| Pretax return on assets | 1.5057% | 1,609 |
| Return on Equity (ROE) | 8.5190% | 2,768 |
| Retained earnings to average equity (ytd only) | 3.3076% | 3,745 |
| Net charge-offs to loans | 0.5366% | 361 |
| Credit loss provision to net charge-offs | 85.4242% | 2,206 |
| Earnings coverage of net charge-offs (x) | 4.2622% | 2,957 |
| Efficiency ratio | 64.5272% | 3,587 |
| Assets per employee ($millions) | 4.8018% | 2,649 |
| Cash dividends to net income (ytd only)* | 61.1746% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,359 |
| Loan loss allowance to noncurrent loans | 270.7813% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 2,297 |
| Noncurrent loans to loans | 0.4216% | 3,510 |
| Net loans and leases to total assets | 79.3012% | 1,050 |
| Net loans and leases to deposits | 96.3404% | 1,044 |
| Net loans and leases to core deposits | 118.9825% | 600 |
| Total domestic deposits to total assets | 82.3135% | 3,802 |
| Equity capital to assets | 11.4598% | 2,352 |
| Core capital (leverage) ratio | 10.6368% | 2,771 |
| Tier 1 risk-based capital ratio | 10.4793% | 5,466 |
| Total risk-based capital ratio | 11.4391% | 5,517 |
| Memoranda: | ||
| Average total assets | $1,003,116,000 | 740 |
| Average earning assets | $851,276,670 | 815 |
| Average equity | $115,130,330 | 717 |
| Average total loans | $825,948,000 | 638 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 354 |
| Cost of funding earning assets | 0.4844% | 2,215 |
| Net interest margin | 4.7588% | 333 |
| Noninterest income to average assets | 1.3225% | 589 |
| Noninterest expense to average assets | 3.4959% | 1,050 |
| Loan and lease loss provision to assets | 0.3736% | 304 |
| Net operating income to assets | 0.9790% | 2,396 |
| Return on assets (ROA) | 0.9790% | 2,448 |
| Pretax return on assets | 1.5141% | 1,492 |
| Return on Equity (ROE) | 8.5235% | 2,666 |
| Retained earnings to average equity (ytd only) | -1.9691% | 5,165 |
| Net charge-offs to loans | 0.5822% | 305 |
| Credit loss provision to net charge-offs | 76.9231% | 1,773 |
| Earnings coverage of net charge-offs (x) | 3.8867% | 2,437 |
| Efficiency ratio | 64.9355% | 3,672 |
| Assets per employee ($millions) | 4.5706% | 3,057 |
| Cash dividends to net income (ytd only)* | 123.1022% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,407 |
| Loan loss allowance to noncurrent loans | 183.6667% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 2,112 |
| Noncurrent loans to loans | 0.6270% | 2,946 |
| Net loans and leases to total assets | 81.8195% | 587 |
| Net loans and leases to deposits | 94.0091% | 1,104 |
| Net loans and leases to core deposits | 116.8615% | 565 |
| Total domestic deposits to total assets | 87.0337% | 2,200 |
| Equity capital to assets | 11.6135% | 2,103 |
| Core capital (leverage) ratio | 10.2486% | 3,196 |
| Tier 1 risk-based capital ratio | 10.5507% | 5,519 |
| Total risk-based capital ratio | 11.5466% | 5,563 |
| Memoranda: | ||
| Average total assets | $995,684,000 | 751 |
| Average earning assets | $849,703,500 | 823 |
| Average equity | $114,366,500 | 722 |
| Average total loans | $830,625,500 | 637 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 356 |
| Cost of funding earning assets | 0.4824% | 2,235 |
| Net interest margin | 4.8168% | 338 |
| Noninterest income to average assets | 1.2701% | 703 |
| Noninterest expense to average assets | 3.3448% | 1,480 |
| Loan and lease loss provision to assets | 0.6718% | 190 |
| Net operating income to assets | 0.9535% | 2,564 |
| Return on assets (ROA) | 0.9536% | 2,672 |
| Pretax return on assets | 1.4368% | 1,795 |
| Return on Equity (ROE) | 8.7061% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.7061% | 646 |
| Net charge-offs to loans | 0.7824% | 262 |
| Credit loss provision to net charge-offs | 100.0298% | 2,562 |
| Earnings coverage of net charge-offs (x) | 3.1394% | 3,720 |
| Efficiency ratio | 61.3346% | 4,364 |
| Assets per employee ($millions) | 4.7135% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,502 |
| Loan loss allowance to noncurrent loans | 190.6701% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 2,021 |
| Noncurrent loans to loans | 0.5967% | 3,064 |
| Net loans and leases to total assets | 83.0994% | 471 |
| Net loans and leases to deposits | 95.4239% | 1,055 |
| Net loans and leases to core deposits | 116.8553% | 579 |
| Total domestic deposits to total assets | 87.0845% | 2,094 |
| Equity capital to assets | 11.3622% | 2,277 |
| Core capital (leverage) ratio | 9.9336% | 3,583 |
| Tier 1 risk-based capital ratio | 10.0555% | 5,724 |
| Total risk-based capital ratio | 11.0282% | 5,760 |
| Memoranda: | ||
| Average total assets | $1,000,546,600 | 725 |
| Average earning assets | $868,929,200 | 754 |
| Average equity | $109,589,200 | 735 |
| Average total loans | $858,868,800 | 590 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 411 |
| Cost of funding earning assets | 0.4806% | 2,255 |
| Net interest margin | 4.7400% | 400 |
| Noninterest income to average assets | 1.2721% | 718 |
| Noninterest expense to average assets | 3.3541% | 1,444 |
| Loan and lease loss provision to assets | 0.6361% | 180 |
| Net operating income to assets | 0.9510% | 2,648 |
| Return on assets (ROA) | 0.9511% | 2,791 |
| Pretax return on assets | 1.4211% | 1,965 |
| Return on Equity (ROE) | 8.7665% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.7665% | 891 |
| Net charge-offs to loans | 0.7712% | 238 |
| Credit loss provision to net charge-offs | 95.5859% | 2,448 |
| Earnings coverage of net charge-offs (x) | 3.0911% | 3,469 |
| Efficiency ratio | 61.9840% | 4,237 |
| Assets per employee ($millions) | 4.7796% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,879 |
| Loan loss allowance to noncurrent loans | 176.9433% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 2,323 |
| Noncurrent loans to loans | 0.6163% | 3,170 |
| Net loans and leases to total assets | 83.9562% | 413 |
| Net loans and leases to deposits | 96.2056% | 1,032 |
| Net loans and leases to core deposits | 123.9640% | 417 |
| Total domestic deposits to total assets | 87.2675% | 1,771 |
| Equity capital to assets | 11.0158% | 2,993 |
| Core capital (leverage) ratio | 9.7807% | 3,830 |
| Tier 1 risk-based capital ratio | 9.9097% | 5,814 |
| Total risk-based capital ratio | 10.8704% | 5,850 |
| Memoranda: | ||
| Average total assets | $998,510,250 | 726 |
| Average earning assets | $871,931,250 | 753 |
| Average equity | $108,334,000 | 741 |
| Average total loans | $861,620,250 | 581 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 457 |
| Cost of funding earning assets | 0.4756% | 2,311 |
| Net interest margin | 4.6777% | 438 |
| Noninterest income to average assets | 1.2397% | 738 |
| Noninterest expense to average assets | 3.3349% | 1,520 |
| Loan and lease loss provision to assets | 0.6254% | 178 |
| Net operating income to assets | 0.9045% | 2,837 |
| Return on assets (ROA) | 0.9046% | 2,967 |
| Pretax return on assets | 1.3708% | 2,129 |
| Return on Equity (ROE) | 8.3820% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.3820% | 1,047 |
| Net charge-offs to loans | 0.7189% | 286 |
| Credit loss provision to net charge-offs | 100.2586% | 2,083 |
| Earnings coverage of net charge-offs (x) | 3.1997% | 3,154 |
| Efficiency ratio | 62.5581% | 4,259 |
| Assets per employee ($millions) | 4.8888% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,942 |
| Loan loss allowance to noncurrent loans | 193.1559% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 2,515 |
| Noncurrent loans to loans | 0.5698% | 3,356 |
| Net loans and leases to total assets | 85.2928% | 308 |
| Net loans and leases to deposits | 102.4711% | 538 |
| Net loans and leases to core deposits | 135.5201% | 225 |
| Total domestic deposits to total assets | 83.2360% | 3,561 |
| Equity capital to assets | 10.7649% | 3,326 |
| Core capital (leverage) ratio | 9.5458% | 4,145 |
| Tier 1 risk-based capital ratio | 9.4404% | 5,958 |
| Total risk-based capital ratio | 10.4047% | 5,984 |
| Memoranda: | ||
| Average total assets | $991,994,330 | 732 |
| Average earning assets | $867,609,330 | 759 |
| Average equity | $107,063,000 | 752 |
| Average total loans | $860,778,000 | 579 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 461 |
| Cost of funding earning assets | 0.4594% | 2,470 |
| Net interest margin | 4.6820% | 437 |
| Noninterest income to average assets | 1.2320% | 712 |
| Noninterest expense to average assets | 3.4350% | 1,309 |
| Loan and lease loss provision to assets | 0.7081% | 150 |
| Net operating income to assets | 0.8016% | 3,241 |
| Return on assets (ROA) | 0.8016% | 3,356 |
| Pretax return on assets | 1.2005% | 2,702 |
| Return on Equity (ROE) | 7.4172% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.4172% | 1,698 |
| Net charge-offs to loans | 0.7909% | 261 |
| Credit loss provision to net charge-offs | 102.8470% | 1,586 |
| Earnings coverage of net charge-offs (x) | 2.7722% | 2,635 |
| Efficiency ratio | 64.2824% | 4,074 |
| Assets per employee ($millions) | 4.7904% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 3,957 |
| Loan loss allowance to noncurrent loans | 185.1739% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,521 |
| Noncurrent loans to loans | 0.6034% | 3,369 |
| Net loans and leases to total assets | 86.9149% | 171 |
| Net loans and leases to deposits | 103.8521% | 420 |
| Net loans and leases to core deposits | 135.7484% | 212 |
| Total domestic deposits to total assets | 83.6910% | 3,639 |
| Equity capital to assets | 10.8298% | 3,133 |
| Core capital (leverage) ratio | 9.5456% | 4,107 |
| Tier 1 risk-based capital ratio | 9.4393% | 6,013 |
| Total risk-based capital ratio | 10.4348% | 6,039 |
| Memoranda: | ||
| Average total assets | $979,560,000 | 740 |
| Average earning assets | $860,232,000 | 769 |
| Average equity | $105,862,500 | 758 |
| Average total loans | $852,685,500 | 582 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 391 |
| Cost of funding earning assets | 0.4050% | 3,099 |
| Net interest margin | 4.8506% | 327 |
| Noninterest income to average assets | 1.2178% | 807 |
| Noninterest expense to average assets | 3.3526% | 1,602 |
| Loan and lease loss provision to assets | 0.5640% | 196 |
| Net operating income to assets | 1.0069% | 2,326 |
| Return on assets (ROA) | 1.0069% | 2,413 |
| Pretax return on assets | 1.5247% | 1,481 |
| Return on Equity (ROE) | 8.2628% | 2,815 |
| Retained earnings to average equity (ytd only) | -7.3781% | 5,989 |
| Net charge-offs to loans | 0.5555% | 445 |
| Credit loss provision to net charge-offs | 119.1427% | 2,160 |
| Earnings coverage of net charge-offs (x) | 4.4121% | 3,563 |
| Efficiency ratio | 61.6130% | 4,674 |
| Assets per employee ($millions) | 4.6745% | 2,769 |
| Cash dividends to net income (ytd only)* | 189.2930% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,748 |
| Loan loss allowance to noncurrent loans | 176.5330% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 3,117 |
| Noncurrent loans to loans | 0.6519% | 3,234 |
| Net loans and leases to total assets | 85.1940% | 295 |
| Net loans and leases to deposits | 100.1368% | 666 |
| Net loans and leases to core deposits | 128.2371% | 297 |
| Total domestic deposits to total assets | 85.0776% | 3,055 |
| Equity capital to assets | 10.7841% | 3,045 |
| Core capital (leverage) ratio | 9.5486% | 4,102 |
| Tier 1 risk-based capital ratio | 9.4082% | 6,060 |
| Total risk-based capital ratio | 10.4177% | 6,084 |
| Memoranda: | ||
| Average total assets | $931,314,800 | 741 |
| Average earning assets | $810,907,200 | 770 |
| Average equity | $113,484,400 | 677 |
| Average total loans | $793,666,800 | 587 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 403 |
| Cost of funding earning assets | 0.3901% | 3,324 |
| Net interest margin | 4.8644% | 331 |
| Noninterest income to average assets | 1.2488% | 776 |
| Noninterest expense to average assets | 3.3882% | 1,496 |
| Loan and lease loss provision to assets | 0.4311% | 264 |
| Net operating income to assets | 1.0700% | 2,130 |
| Return on assets (ROA) | 1.0700% | 2,223 |
| Pretax return on assets | 1.6640% | 1,204 |
| Return on Equity (ROE) | 8.5226% | 2,811 |
| Retained earnings to average equity (ytd only) | 6.5050% | 1,954 |
| Net charge-offs to loans | 0.4774% | 515 |
| Credit loss provision to net charge-offs | 106.2812% | 2,165 |
| Earnings coverage of net charge-offs (x) | 5.1652% | 3,246 |
| Efficiency ratio | 61.7915% | 4,606 |
| Assets per employee ($millions) | 4.2737% | 3,376 |
| Cash dividends to net income (ytd only)* | 23.6743% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,217 |
| Loan loss allowance to noncurrent loans | 142.2279% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 3,046 |
| Noncurrent loans to loans | 0.7749% | 3,031 |
| Net loans and leases to total assets | 85.6675% | 250 |
| Net loans and leases to deposits | 101.8252% | 556 |
| Net loans and leases to core deposits | 130.0807% | 277 |
| Total domestic deposits to total assets | 84.1319% | 3,368 |
| Equity capital to assets | 12.6397% | 1,662 |
| Core capital (leverage) ratio | 11.3509% | 2,152 |
| Tier 1 risk-based capital ratio | 11.1956% | 5,552 |
| Total risk-based capital ratio | 12.1635% | 5,618 |
| Memoranda: | ||
| Average total assets | $921,069,000 | 756 |
| Average earning assets | $801,786,000 | 787 |
| Average equity | $115,642,000 | 667 |
| Average total loans | $782,587,500 | 599 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 492 |
| Cost of funding earning assets | 0.3757% | 3,547 |
| Net interest margin | 4.7331% | 414 |
| Noninterest income to average assets | 1.2361% | 798 |
| Noninterest expense to average assets | 3.4274% | 1,425 |
| Loan and lease loss provision to assets | 0.3334% | 410 |
| Net operating income to assets | 1.0292% | 2,235 |
| Return on assets (ROA) | 1.0292% | 2,351 |
| Pretax return on assets | 1.5826% | 1,383 |
| Return on Equity (ROE) | 8.2164% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.1617% | 2,757 |
| Net charge-offs to loans | 0.3912% | 666 |
| Credit loss provision to net charge-offs | 100.9934% | 2,023 |
| Earnings coverage of net charge-offs (x) | 5.8033% | 2,884 |
| Efficiency ratio | 64.1419% | 4,335 |
| Assets per employee ($millions) | 4.2456% | 3,391 |
| Cash dividends to net income (ytd only)* | 37.1787% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 4,222 |
| Loan loss allowance to noncurrent loans | 143.4266% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 3,189 |
| Noncurrent loans to loans | 0.7814% | 3,154 |
| Net loans and leases to total assets | 83.2608% | 444 |
| Net loans and leases to deposits | 101.3622% | 578 |
| Net loans and leases to core deposits | 131.7511% | 249 |
| Total domestic deposits to total assets | 82.1419% | 4,248 |
| Equity capital to assets | 12.4358% | 1,690 |
| Core capital (leverage) ratio | 11.3491% | 2,119 |
| Tier 1 risk-based capital ratio | 11.1132% | 5,657 |
| Total risk-based capital ratio | 12.0822% | 5,723 |
| Memoranda: | ||
| Average total assets | $914,686,000 | 770 |
| Average earning assets | $793,770,000 | 795 |
| Average equity | $114,575,670 | 678 |
| Average total loans | $771,971,000 | 605 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 547 |
| Cost of funding earning assets | 0.3538% | 3,817 |
| Net interest margin | 4.6830% | 421 |
| Noninterest income to average assets | 1.1558% | 857 |
| Noninterest expense to average assets | 3.5337% | 1,239 |
| Loan and lease loss provision to assets | 0.1631% | 1,234 |
| Net operating income to assets | 1.0037% | 2,252 |
| Return on assets (ROA) | 1.0037% | 2,389 |
| Pretax return on assets | 1.5421% | 1,416 |
| Return on Equity (ROE) | 7.9834% | 2,967 |
| Retained earnings to average equity (ytd only) | 4.4681% | 3,337 |
| Net charge-offs to loans | 0.1831% | 1,197 |
| Credit loss provision to net charge-offs | 105.4286% | 1,552 |
| Earnings coverage of net charge-offs (x) | 11.0229% | 1,894 |
| Efficiency ratio | 67.4513% | 3,912 |
| Assets per employee ($millions) | 4.1661% | 3,622 |
| Cash dividends to net income (ytd only)* | 44.0335% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 4,249 |
| Loan loss allowance to noncurrent loans | 140.4747% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 3,088 |
| Noncurrent loans to loans | 0.8206% | 3,191 |
| Net loans and leases to total assets | 83.6461% | 331 |
| Net loans and leases to deposits | 101.3612% | 488 |
| Net loans and leases to core deposits | 128.5351% | 259 |
| Total domestic deposits to total assets | 82.5228% | 4,345 |
| Equity capital to assets | 12.6590% | 1,593 |
| Core capital (leverage) ratio | 11.3815% | 2,098 |
| Tier 1 risk-based capital ratio | 11.3601% | 5,627 |
| Total risk-based capital ratio | 12.3685% | 5,668 |
| Memoranda: | ||
| Average total assets | $905,008,000 | 779 |
| Average earning assets | $789,071,000 | 810 |
| Average equity | $113,785,500 | 676 |
| Average total loans | $764,703,500 | 606 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 493 |
| Cost of funding earning assets | 0.3168% | 4,613 |
| Net interest margin | 4.9142% | 346 |
| Noninterest income to average assets | 1.1864% | 859 |
| Noninterest expense to average assets | 3.4287% | 1,641 |
| Loan and lease loss provision to assets | 0.6386% | 209 |
| Net operating income to assets | 0.9974% | 2,391 |
| Return on assets (ROA) | 0.9974% | 2,473 |
| Pretax return on assets | 1.4421% | 1,745 |
| Return on Equity (ROE) | 7.7748% | 3,236 |
| Retained earnings to average equity (ytd only) | 2.3436% | 4,561 |
| Net charge-offs to loans | 0.5328% | 766 |
| Credit loss provision to net charge-offs | 140.2091% | 1,690 |
| Earnings coverage of net charge-offs (x) | 4.5683% | 3,622 |
| Efficiency ratio | 62.2339% | 4,872 |
| Assets per employee ($millions) | 4.2138% | 3,513 |
| Cash dividends to net income (ytd only)* | 69.8568% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 4,276 |
| Loan loss allowance to noncurrent loans | 139.2846% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 3,166 |
| Noncurrent loans to loans | 0.8265% | 3,244 |
| Net loans and leases to total assets | 83.4011% | 385 |
| Net loans and leases to deposits | 102.0637% | 509 |
| Net loans and leases to core deposits | 127.9839% | 271 |
| Total domestic deposits to total assets | 81.7147% | 4,521 |
| Equity capital to assets | 12.4869% | 1,663 |
| Core capital (leverage) ratio | 11.1426% | 2,269 |
| Tier 1 risk-based capital ratio | 11.3435% | 5,745 |
| Total risk-based capital ratio | 12.3617% | 5,807 |
| Memoranda: | ||
| Average total assets | $861,105,000 | 780 |
| Average earning assets | $757,511,400 | 808 |
| Average equity | $110,471,800 | 663 |
| Average total loans | $736,062,000 | 590 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 595 |
| Cost of funding earning assets | 0.3121% | 4,759 |
| Net interest margin | 4.8256% | 407 |
| Noninterest income to average assets | 1.1719% | 872 |
| Noninterest expense to average assets | 3.4187% | 1,617 |
| Loan and lease loss provision to assets | 0.5133% | 292 |
| Net operating income to assets | 0.9761% | 2,561 |
| Return on assets (ROA) | 0.9761% | 2,633 |
| Pretax return on assets | 1.4973% | 1,654 |
| Return on Equity (ROE) | 7.5548% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,861 |
| Net charge-offs to loans | 0.4814% | 820 |
| Credit loss provision to net charge-offs | 124.3161% | 1,852 |
| Earnings coverage of net charge-offs (x) | 4.8693% | 3,363 |
| Efficiency ratio | 62.9681% | 4,731 |
| Assets per employee ($millions) | 4.1366% | 3,586 |
| Cash dividends to net income (ytd only)* | 48.2160% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,050 |
| Loan loss allowance to noncurrent loans | 171.1580% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 3,909 |
| Noncurrent loans to loans | 0.6045% | 4,117 |
| Net loans and leases to total assets | 85.3618% | 235 |
| Net loans and leases to deposits | 107.1511% | 288 |
| Net loans and leases to core deposits | 133.6888% | 196 |
| Total domestic deposits to total assets | 79.6649% | 5,178 |
| Equity capital to assets | 12.9078% | 1,474 |
| Core capital (leverage) ratio | 11.3788% | 2,153 |
| Tier 1 risk-based capital ratio | 11.7423% | 5,647 |
| Total risk-based capital ratio | 12.6733% | 5,764 |
| Memoranda: | ||
| Average total assets | $849,890,000 | 794 |
| Average earning assets | $749,814,000 | 822 |
| Average equity | $109,808,000 | 667 |
| Average total loans | $728,981,250 | 592 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 895 |
| Cost of funding earning assets | 0.3131% | 4,847 |
| Net interest margin | 4.5968% | 588 |
| Noninterest income to average assets | 1.1157% | 955 |
| Noninterest expense to average assets | 3.3411% | 1,819 |
| Loan and lease loss provision to assets | 0.4574% | 347 |
| Net operating income to assets | 0.8951% | 2,839 |
| Return on assets (ROA) | 0.8951% | 2,933 |
| Pretax return on assets | 1.3644% | 2,024 |
| Return on Equity (ROE) | 6.9253% | 3,660 |
| Retained earnings to average equity (ytd only) | 1.3954% | 5,187 |
| Net charge-offs to loans | 0.4088% | 995 |
| Credit loss provision to net charge-offs | 130.7012% | 1,601 |
| Earnings coverage of net charge-offs (x) | 5.2056% | 2,967 |
| Efficiency ratio | 64.7132% | 4,584 |
| Assets per employee ($millions) | 4.1155% | 3,616 |
| Cash dividends to net income (ytd only)* | 79.8509% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 5,269 |
| Loan loss allowance to noncurrent loans | 104.6068% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 3,430 |
| Noncurrent loans to loans | 0.9744% | 3,287 |
| Net loans and leases to total assets | 84.2288% | 282 |
| Net loans and leases to deposits | 101.5633% | 474 |
| Net loans and leases to core deposits | 132.7473% | 200 |
| Total domestic deposits to total assets | 82.9323% | 4,325 |
| Equity capital to assets | 12.5722% | 1,601 |
| Core capital (leverage) ratio | 11.4426% | 2,056 |
| Tier 1 risk-based capital ratio | 11.4084% | 5,851 |
| Total risk-based capital ratio | 12.3142% | 5,964 |
| Memoranda: | ||
| Average total assets | $839,484,670 | 805 |
| Average earning assets | $739,119,330 | 830 |
| Average equity | $108,500,330 | 672 |
| Average total loans | $718,644,670 | 602 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,621 |
| Cost of funding earning assets | 0.3107% | 4,959 |
| Net interest margin | 4.2459% | 1,109 |
| Noninterest income to average assets | 1.1107% | 904 |
| Noninterest expense to average assets | 3.2825% | 1,983 |
| Loan and lease loss provision to assets | 0.5166% | 278 |
| Net operating income to assets | 0.7282% | 3,553 |
| Return on assets (ROA) | 0.7282% | 3,635 |
| Pretax return on assets | 1.0921% | 2,946 |
| Return on Equity (ROE) | 5.5522% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.5522% | 2,763 |
| Net charge-offs to loans | 0.5588% | 661 |
| Credit loss provision to net charge-offs | 107.6531% | 1,561 |
| Earnings coverage of net charge-offs (x) | 3.3520% | 2,697 |
| Efficiency ratio | 67.1105% | 4,346 |
| Assets per employee ($millions) | 4.2196% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 5,380 |
| Loan loss allowance to noncurrent loans | 96.2797% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 3,350 |
| Noncurrent loans to loans | 1.0752% | 3,271 |
| Net loans and leases to total assets | 84.3626% | 216 |
| Net loans and leases to deposits | 98.3132% | 520 |
| Net loans and leases to core deposits | 122.7611% | 278 |
| Total domestic deposits to total assets | 85.8100% | 3,456 |
| Equity capital to assets | 13.0456% | 1,289 |
| Core capital (leverage) ratio | 13.3131% | 1,029 |
| Tier 1 risk-based capital ratio | 13.5597% | 4,640 |
| Total risk-based capital ratio | 14.4797% | 4,809 |
| Memoranda: | ||
| Average total assets | $816,809,000 | 839 |
| Average earning assets | $727,290,000 | 852 |
| Average equity | $107,129,000 | 680 |
| Average total loans | $701,486,000 | 620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,494 |
| Cost of funding earning assets | 0.4462% | 4,148 |
| Net interest margin | 4.2826% | 1,150 |
| Noninterest income to average assets | 1.0446% | 1,288 |
| Noninterest expense to average assets | 3.0836% | 2,786 |
| Loan and lease loss provision to assets | 0.3313% | 979 |
| Net operating income to assets | 0.9858% | 2,389 |
| Return on assets (ROA) | 0.9858% | 2,462 |
| Pretax return on assets | 1.4977% | 1,456 |
| Return on Equity (ROE) | 7.6560% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,458 |
| Net charge-offs to loans | 0.4053% | 1,661 |
| Credit loss provision to net charge-offs | 94.3952% | 2,644 |
| Earnings coverage of net charge-offs (x) | 5.2118% | 3,355 |
| Efficiency ratio | 62.7692% | 5,092 |
| Assets per employee ($millions) | 4.0736% | 3,703 |
| Cash dividends to net income (ytd only)* | 31.5696% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,396 |
| Loan loss allowance to noncurrent loans | 93.2843% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 3,428 |
| Noncurrent loans to loans | 1.1094% | 3,318 |
| Net loans and leases to total assets | 85.6382% | 173 |
| Net loans and leases to deposits | 101.9706% | 402 |
| Net loans and leases to core deposits | 120.9632% | 314 |
| Total domestic deposits to total assets | 83.9832% | 4,174 |
| Equity capital to assets | 13.1873% | 1,192 |
| Core capital (leverage) ratio | 13.5239% | 946 |
| Tier 1 risk-based capital ratio | 13.4333% | 4,697 |
| Total risk-based capital ratio | 14.3484% | 4,862 |
| Memoranda: | ||
| Average total assets | $803,285,000 | 827 |
| Average earning assets | $725,509,000 | 840 |
| Average equity | $103,435,600 | 688 |
| Average total loans | $695,506,800 | 602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 1,470 |
| Cost of funding earning assets | 0.4671% | 4,090 |
| Net interest margin | 4.2849% | 1,128 |
| Noninterest income to average assets | 1.0478% | 1,327 |
| Noninterest expense to average assets | 3.0228% | 2,911 |
| Loan and lease loss provision to assets | 0.3471% | 932 |
| Net operating income to assets | 1.0275% | 2,265 |
| Return on assets (ROA) | 1.0275% | 2,350 |
| Pretax return on assets | 1.5633% | 1,433 |
| Return on Equity (ROE) | 8.0281% | 3,114 |
| Retained earnings to average equity (ytd only) | 4.7826% | 3,249 |
| Net charge-offs to loans | 0.4497% | 1,428 |
| Credit loss provision to net charge-offs | 89.1212% | 2,655 |
| Earnings coverage of net charge-offs (x) | 4.9053% | 3,328 |
| Efficiency ratio | 61.2745% | 5,232 |
| Assets per employee ($millions) | 3.9011% | 4,035 |
| Cash dividends to net income (ytd only)* | 40.4269% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 5,571 |
| Loan loss allowance to noncurrent loans | 93.6276% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 3,600 |
| Noncurrent loans to loans | 1.1078% | 3,580 |
| Net loans and leases to total assets | 88.0225% | 87 |
| Net loans and leases to deposits | 103.5427% | 317 |
| Net loans and leases to core deposits | 118.9787% | 344 |
| Total domestic deposits to total assets | 85.0108% | 3,746 |
| Equity capital to assets | 13.5452% | 1,103 |
| Core capital (leverage) ratio | 13.3451% | 1,080 |
| Tier 1 risk-based capital ratio | 13.6101% | 4,683 |
| Total risk-based capital ratio | 14.5404% | 4,847 |
| Memoranda: | ||
| Average total assets | $802,460,750 | 834 |
| Average earning assets | $727,653,000 | 838 |
| Average equity | $102,703,000 | 698 |
| Average total loans | $694,892,250 | 604 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 1,455 |
| Cost of funding earning assets | 0.4876% | 4,015 |
| Net interest margin | 4.2575% | 1,119 |
| Noninterest income to average assets | 1.0221% | 1,464 |
| Noninterest expense to average assets | 2.9825% | 3,054 |
| Loan and lease loss provision to assets | 0.4190% | 724 |
| Net operating income to assets | 0.9568% | 2,531 |
| Return on assets (ROA) | 0.9568% | 2,681 |
| Pretax return on assets | 1.4826% | 1,673 |
| Return on Equity (ROE) | 7.6169% | 3,280 |
| Retained earnings to average equity (ytd only) | 2.7179% | 4,586 |
| Net charge-offs to loans | 0.5608% | 1,175 |
| Credit loss provision to net charge-offs | 87.0143% | 2,498 |
| Earnings coverage of net charge-offs (x) | 3.9494% | 3,256 |
| Efficiency ratio | 61.0655% | 5,315 |
| Assets per employee ($millions) | 4.2383% | 3,273 |
| Cash dividends to net income (ytd only)* | 64.3170% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 5,710 |
| Loan loss allowance to noncurrent loans | 91.8665% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 3,769 |
| Noncurrent loans to loans | 1.1212% | 3,690 |
| Net loans and leases to total assets | 82.8574% | 300 |
| Net loans and leases to deposits | 95.4837% | 708 |
| Net loans and leases to core deposits | 118.1335% | 350 |
| Total domestic deposits to total assets | 86.7765% | 2,959 |
| Equity capital to assets | 12.3796% | 1,650 |
| Core capital (leverage) ratio | 12.9908% | 1,163 |
| Tier 1 risk-based capital ratio | 13.0371% | 5,113 |
| Total risk-based capital ratio | 13.9486% | 5,294 |
| Memoranda: | ||
| Average total assets | $812,475,670 | 822 |
| Average earning assets | $737,010,330 | 827 |
| Average equity | $102,062,330 | 705 |
| Average total loans | $697,514,330 | 598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 1,194 |
| Cost of funding earning assets | 0.5498% | 3,571 |
| Net interest margin | 4.3027% | 963 |
| Noninterest income to average assets | 1.1024% | 1,216 |
| Noninterest expense to average assets | 3.0402% | 2,864 |
| Loan and lease loss provision to assets | 0.5974% | 425 |
| Net operating income to assets | 0.9018% | 2,648 |
| Return on assets (ROA) | 0.9018% | 2,795 |
| Pretax return on assets | 1.3865% | 1,899 |
| Return on Equity (ROE) | 7.1260% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.1260% | 2,100 |
| Net charge-offs to loans | 0.8048% | 757 |
| Credit loss provision to net charge-offs | 85.3797% | 2,094 |
| Earnings coverage of net charge-offs (x) | 2.8353% | 2,926 |
| Efficiency ratio | 60.5120% | 5,514 |
| Assets per employee ($millions) | 4.2452% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 5,906 |
| Loan loss allowance to noncurrent loans | 92.9765% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 3,878 |
| Noncurrent loans to loans | 1.1011% | 3,942 |
| Net loans and leases to total assets | 86.0027% | 122 |
| Net loans and leases to deposits | 104.0207% | 231 |
| Net loans and leases to core deposits | 122.7103% | 247 |
| Total domestic deposits to total assets | 82.6785% | 4,963 |
| Equity capital to assets | 12.7482% | 1,563 |
| Core capital (leverage) ratio | 13.1113% | 1,072 |
| Tier 1 risk-based capital ratio | 13.3280% | 4,989 |
| Total risk-based capital ratio | 14.2626% | 5,156 |
| Memoranda: | ||
| Average total assets | $805,480,000 | 833 |
| Average earning assets | $734,148,500 | 839 |
| Average equity | $101,937,000 | 715 |
| Average total loans | $700,313,500 | 597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 1,280 |
| Cost of funding earning assets | 0.7616% | 3,001 |
| Net interest margin | 4.3513% | 1,282 |
| Noninterest income to average assets | 0.8504% | 2,042 |
| Noninterest expense to average assets | 2.8227% | 3,936 |
| Loan and lease loss provision to assets | 0.4498% | 1,401 |
| Net operating income to assets | 1.0259% | 2,228 |
| Return on assets (ROA) | 1.0262% | 2,439 |
| Pretax return on assets | 1.5776% | 1,445 |
| Return on Equity (ROE) | 8.0274% | 3,065 |
| Retained earnings to average equity (ytd only) | -2.0488% | 6,165 |
| Net charge-offs to loans | 0.6605% | 1,783 |
| Credit loss provision to net charge-offs | 79.4411% | 3,850 |
| Earnings coverage of net charge-offs (x) | 3.5797% | 3,673 |
| Efficiency ratio | 58.2031% | 5,801 |
| Assets per employee ($millions) | 4.4441% | 3,066 |
| Cash dividends to net income (ytd only)* | 125.5230% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,743 |
| Loan loss allowance to noncurrent loans | 153.4192% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 4,712 |
| Noncurrent loans to loans | 0.6875% | 4,820 |
| Net loans and leases to total assets | 86.0775% | 125 |
| Net loans and leases to deposits | 102.5219% | 312 |
| Net loans and leases to core deposits | 120.1642% | 279 |
| Total domestic deposits to total assets | 83.9601% | 4,336 |
| Equity capital to assets | 12.5624% | 1,663 |
| Core capital (leverage) ratio | 12.6595% | 1,251 |
| Tier 1 risk-based capital ratio | 12.8818% | 5,195 |
| Total risk-based capital ratio | 13.8282% | 5,371 |
| Memoranda: | ||
| Average total assets | $815,163,000 | 810 |
| Average earning assets | $749,245,000 | 795 |
| Average equity | $104,206,200 | 680 |
| Average total loans | $698,899,800 | 593 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 1,406 |
| Cost of funding earning assets | 0.7966% | 2,975 |
| Net interest margin | 4.3135% | 1,432 |
| Noninterest income to average assets | 0.8479% | 2,046 |
| Noninterest expense to average assets | 2.8283% | 3,879 |
| Loan and lease loss provision to assets | 0.3585% | 1,817 |
| Net operating income to assets | 1.0781% | 2,177 |
| Return on assets (ROA) | 1.0784% | 2,377 |
| Pretax return on assets | 1.6438% | 1,436 |
| Return on Equity (ROE) | 8.4002% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.5906% | 3,672 |
| Net charge-offs to loans | 0.5635% | 1,923 |
| Credit loss provision to net charge-offs | 74.4666% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.1581% | 3,380 |
| Efficiency ratio | 58.5561% | 5,711 |
| Assets per employee ($millions) | 4.3459% | 3,170 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,792 |
| Loan loss allowance to noncurrent loans | 139.9077% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 4,504 |
| Noncurrent loans to loans | 0.7727% | 4,863 |
| Net loans and leases to total assets | 86.6866% | 126 |
| Net loans and leases to deposits | 102.0078% | 346 |
| Net loans and leases to core deposits | 122.1939% | 272 |
| Total domestic deposits to total assets | 84.9803% | 3,751 |
| Equity capital to assets | 13.3682% | 1,403 |
| Core capital (leverage) ratio | 13.0097% | 1,191 |
| Tier 1 risk-based capital ratio | 13.8900% | 4,619 |
| Total risk-based capital ratio | 14.8810% | 4,755 |
| Memoranda: | ||
| Average total assets | $817,860,250 | 812 |
| Average earning assets | $755,028,500 | 798 |
| Average equity | $104,995,500 | 678 |
| Average total loans | $698,683,250 | 593 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 1,572 |
| Cost of funding earning assets | 0.8279% | 2,971 |
| Net interest margin | 4.2500% | 1,600 |
| Noninterest income to average assets | 0.8394% | 2,010 |
| Noninterest expense to average assets | 2.8036% | 4,008 |
| Loan and lease loss provision to assets | 0.3656% | 1,803 |
| Net operating income to assets | 1.0358% | 2,319 |
| Return on assets (ROA) | 1.0363% | 2,537 |
| Pretax return on assets | 1.5997% | 1,548 |
| Return on Equity (ROE) | 8.1812% | 3,174 |
| Retained earnings to average equity (ytd only) | 2.4319% | 4,971 |
| Net charge-offs to loans | 0.4725% | 2,175 |
| Credit loss provision to net charge-offs | 91.3281% | 3,000 |
| Earnings coverage of net charge-offs (x) | 4.9078% | 2,959 |
| Efficiency ratio | 58.7996% | 5,756 |
| Assets per employee ($millions) | 4.5626% | 2,785 |
| Cash dividends to net income (ytd only)* | 70.2741% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,500 |
| Loan loss allowance to noncurrent loans | 119.6230% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 4,424 |
| Noncurrent loans to loans | 0.9740% | 4,569 |
| Net loans and leases to total assets | 82.2747% | 323 |
| Net loans and leases to deposits | 94.7265% | 713 |
| Net loans and leases to core deposits | 121.0084% | 297 |
| Total domestic deposits to total assets | 86.8551% | 2,856 |
| Equity capital to assets | 12.3838% | 1,892 |
| Core capital (leverage) ratio | 13.0457% | 1,137 |
| Tier 1 risk-based capital ratio | 13.4915% | 4,831 |
| Total risk-based capital ratio | 14.5555% | 4,931 |
| Memoranda: | ||
| Average total assets | $823,930,000 | 805 |
| Average earning assets | $761,643,000 | 787 |
| Average equity | $104,361,000 | 679 |
| Average total loans | $697,989,000 | 591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 1,411 |
| Cost of funding earning assets | 0.8755% | 2,865 |
| Net interest margin | 4.2809% | 1,531 |
| Noninterest income to average assets | 0.8365% | 2,010 |
| Noninterest expense to average assets | 2.8280% | 3,910 |
| Loan and lease loss provision to assets | 0.4512% | 1,370 |
| Net operating income to assets | 0.9668% | 2,608 |
| Return on assets (ROA) | 0.9668% | 2,810 |
| Pretax return on assets | 1.5226% | 1,818 |
| Return on Equity (ROE) | 7.5453% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.5453% | 2,155 |
| Net charge-offs to loans | 0.5508% | 1,710 |
| Credit loss provision to net charge-offs | 95.8246% | 2,442 |
| Earnings coverage of net charge-offs (x) | 4.1921% | 2,639 |
| Efficiency ratio | 58.8946% | 5,784 |
| Assets per employee ($millions) | 4.5416% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 5,483 |
| Loan loss allowance to noncurrent loans | 112.6053% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 4,330 |
| Noncurrent loans to loans | 1.0664% | 4,571 |
| Net loans and leases to total assets | 84.3716% | 175 |
| Net loans and leases to deposits | 99.6211% | 385 |
| Net loans and leases to core deposits | 123.2034% | 264 |
| Total domestic deposits to total assets | 84.6925% | 4,163 |
| Equity capital to assets | 13.0180% | 1,439 |
| Core capital (leverage) ratio | 13.1328% | 1,075 |
| Tier 1 risk-based capital ratio | 13.9469% | 4,510 |
| Total risk-based capital ratio | 15.0536% | 4,591 |
| Memoranda: | ||
| Average total assets | $813,850,500 | 818 |
| Average earning assets | $753,861,500 | 802 |
| Average equity | $104,276,500 | 674 |
| Average total loans | $695,654,000 | 595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 1,155 |
| Cost of funding earning assets | 1.3127% | 1,421 |
| Net interest margin | 4.1959% | 2,075 |
| Noninterest income to average assets | 0.7877% | 2,129 |
| Noninterest expense to average assets | 2.6868% | 4,794 |
| Loan and lease loss provision to assets | 0.4234% | 2,474 |
| Net operating income to assets | 1.0215% | 2,125 |
| Return on assets (ROA) | 1.0215% | 2,269 |
| Pretax return on assets | 1.5744% | 1,268 |
| Return on Equity (ROE) | 9.6809% | 2,176 |
| Retained earnings to average equity (ytd only) | 2.3709% | 4,536 |
| Net charge-offs to loans | 0.4059% | 3,392 |
| Credit loss provision to net charge-offs | 121.3423% | 2,611 |
| Earnings coverage of net charge-offs (x) | 5.7255% | 2,700 |
| Efficiency ratio | 57.3545% | 6,137 |
| Assets per employee ($millions) | 4.8193% | 2,424 |
| Cash dividends to net income (ytd only)* | 75.5095% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,447 |
| Loan loss allowance to noncurrent loans | 104.7667% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 4,333 |
| Noncurrent loans to loans | 1.1343% | 4,464 |
| Net loans and leases to total assets | 84.5389% | 187 |
| Net loans and leases to deposits | 100.2069% | 447 |
| Net loans and leases to core deposits | 122.9808% | 308 |
| Total domestic deposits to total assets | 84.3644% | 4,157 |
| Equity capital to assets | 12.6102% | 1,737 |
| Core capital (leverage) ratio | 12.4078% | 1,388 |
| Tier 1 risk-based capital ratio | 13.4729% | 4,712 |
| Total risk-based capital ratio | 15.8823% | 3,855 |
| Memoranda: | ||
| Average total assets | $807,048,200 | 814 |
| Average earning assets | $749,532,400 | 789 |
| Average equity | $85,157,800 | 790 |
| Average total loans | $693,739,400 | 595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 1,131 |
| Cost of funding earning assets | 1.3628% | 1,407 |
| Net interest margin | 4.1911% | 2,138 |
| Noninterest income to average assets | 0.8181% | 1,970 |
| Noninterest expense to average assets | 2.7383% | 4,584 |
| Loan and lease loss provision to assets | 0.4181% | 2,375 |
| Net operating income to assets | 0.9924% | 2,357 |
| Return on assets (ROA) | 0.9924% | 2,504 |
| Pretax return on assets | 1.5582% | 1,491 |
| Return on Equity (ROE) | 9.8965% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.8965% | 872 |
| Net charge-offs to loans | 0.3729% | 3,234 |
| Credit loss provision to net charge-offs | 130.2842% | 2,441 |
| Earnings coverage of net charge-offs (x) | 6.1586% | 2,607 |
| Efficiency ratio | 58.0815% | 5,995 |
| Assets per employee ($millions) | 4.7529% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 5,515 |
| Loan loss allowance to noncurrent loans | 135.8216% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 4,907 |
| Noncurrent loans to loans | 0.8752% | 5,106 |
| Net loans and leases to total assets | 84.0599% | 221 |
| Net loans and leases to deposits | 99.6366% | 487 |
| Net loans and leases to core deposits | 124.4421% | 304 |
| Total domestic deposits to total assets | 84.3665% | 4,070 |
| Equity capital to assets | 13.0530% | 1,592 |
| Core capital (leverage) ratio | 12.9676% | 1,240 |
| Tier 1 risk-based capital ratio | 14.0658% | 4,306 |
| Total risk-based capital ratio | 16.4858% | 3,492 |
| Memoranda: | ||
| Average total assets | $803,988,250 | 823 |
| Average earning assets | $747,465,250 | 800 |
| Average equity | $80,618,750 | 834 |
| Average total loans | $691,937,500 | 601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 1,057 |
| Cost of funding earning assets | 1.3973% | 1,434 |
| Net interest margin | 4.2119% | 1,987 |
| Noninterest income to average assets | 0.7668% | 2,171 |
| Noninterest expense to average assets | 2.7685% | 4,552 |
| Loan and lease loss provision to assets | 0.3166% | 2,889 |
| Net operating income to assets | 1.0021% | 2,221 |
| Return on assets (ROA) | 1.0021% | 2,318 |
| Pretax return on assets | 1.5857% | 1,286 |
| Return on Equity (ROE) | 11.1496% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.1496% | 641 |
| Net charge-offs to loans | 0.3133% | 3,307 |
| Credit loss provision to net charge-offs | 116.9444% | 2,628 |
| Earnings coverage of net charge-offs (x) | 7.0269% | 2,294 |
| Efficiency ratio | 59.2734% | 5,987 |
| Assets per employee ($millions) | 4.6306% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,834 |
| Loan loss allowance to noncurrent loans | 141.2353% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 5,098 |
| Noncurrent loans to loans | 0.7990% | 5,318 |
| Net loans and leases to total assets | 84.5768% | 204 |
| Net loans and leases to deposits | 96.0001% | 720 |
| Net loans and leases to core deposits | 123.7566% | 346 |
| Total domestic deposits to total assets | 88.1008% | 2,081 |
| Equity capital to assets | 9.0089% | 5,567 |
| Core capital (leverage) ratio | 9.3405% | 4,188 |
| Tier 1 risk-based capital ratio | 9.5104% | 7,102 |
| Total risk-based capital ratio | 11.8426% | 6,748 |
| Memoranda: | ||
| Average total assets | $797,898,330 | 843 |
| Average earning assets | $739,576,330 | 818 |
| Average equity | $71,715,330 | 946 |
| Average total loans | $689,415,330 | 611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 902 |
| Cost of funding earning assets | 1.4230% | 1,501 |
| Net interest margin | 4.2653% | 1,683 |
| Noninterest income to average assets | 0.7700% | 2,157 |
| Noninterest expense to average assets | 2.8939% | 4,083 |
| Loan and lease loss provision to assets | 0.3283% | 2,582 |
| Net operating income to assets | 0.9555% | 2,334 |
| Return on assets (ROA) | 0.9555% | 2,398 |
| Pretax return on assets | 1.5100% | 1,419 |
| Return on Equity (ROE) | 10.6434% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.6434% | 965 |
| Net charge-offs to loans | 0.3850% | 2,534 |
| Credit loss provision to net charge-offs | 98.1763% | 2,783 |
| Earnings coverage of net charge-offs (x) | 5.4970% | 2,272 |
| Efficiency ratio | 61.1535% | 5,813 |
| Assets per employee ($millions) | 4.6210% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,929 |
| Loan loss allowance to noncurrent loans | 164.5065% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,035 |
| Noncurrent loans to loans | 0.6865% | 5,649 |
| Net loans and leases to total assets | 86.5153% | 112 |
| Net loans and leases to deposits | 100.5029% | 446 |
| Net loans and leases to core deposits | 127.8669% | 294 |
| Total domestic deposits to total assets | 86.0824% | 3,479 |
| Equity capital to assets | 9.1701% | 4,920 |
| Core capital (leverage) ratio | 9.0610% | 4,504 |
| Tier 1 risk-based capital ratio | 9.6015% | 7,125 |
| Total risk-based capital ratio | 12.0002% | 6,648 |
| Memoranda: | ||
| Average total assets | $787,039,500 | 859 |
| Average earning assets | $731,110,000 | 836 |
| Average equity | $70,654,000 | 951 |
| Average total loans | $683,564,500 | 626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 1,095 |
| Cost of funding earning assets | 1.5863% | 2,151 |
| Net interest margin | 4.2889% | 1,859 |
| Noninterest income to average assets | 0.6804% | 2,961 |
| Noninterest expense to average assets | 2.6878% | 5,040 |
| Loan and lease loss provision to assets | 0.5140% | 3,095 |
| Net operating income to assets | 0.9582% | 2,173 |
| Return on assets (ROA) | 0.9583% | 2,297 |
| Pretax return on assets | 1.5015% | 1,369 |
| Return on Equity (ROE) | 11.0578% | 1,570 |
| Retained earnings to average equity (ytd only) | 7.9596% | 987 |
| Net charge-offs to loans | 0.6136% | 3,196 |
| Credit loss provision to net charge-offs | 95.9885% | 4,841 |
| Earnings coverage of net charge-offs (x) | 3.7638% | 3,201 |
| Efficiency ratio | 57.1483% | 6,443 |
| Assets per employee ($millions) | 4.6931% | 2,569 |
| Cash dividends to net income (ytd only)* | 28.0187% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,827 |
| Loan loss allowance to noncurrent loans | 122.0818% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 4,988 |
| Noncurrent loans to loans | 0.9259% | 5,197 |
| Net loans and leases to total assets | 85.2373% | 224 |
| Net loans and leases to deposits | 96.3160% | 847 |
| Net loans and leases to core deposits | 122.7235% | 458 |
| Total domestic deposits to total assets | 88.4975% | 1,947 |
| Equity capital to assets | 8.7873% | 5,453 |
| Core capital (leverage) ratio | 8.8698% | 4,750 |
| Tier 1 risk-based capital ratio | 9.2779% | 7,190 |
| Total risk-based capital ratio | 11.6608% | 6,736 |
| Memoranda: | ||
| Average total assets | $782,135,400 | 866 |
| Average earning assets | $733,585,400 | 839 |
| Average equity | $67,780,000 | 991 |
| Average total loans | $682,510,000 | 644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 1,140 |
| Cost of funding earning assets | 1.6150% | 2,305 |
| Net interest margin | 4.2810% | 1,910 |
| Noninterest income to average assets | 0.6886% | 2,888 |
| Noninterest expense to average assets | 2.6904% | 4,914 |
| Loan and lease loss provision to assets | 0.4966% | 2,982 |
| Net operating income to assets | 0.9728% | 2,326 |
| Return on assets (ROA) | 0.9729% | 2,444 |
| Pretax return on assets | 1.5297% | 1,532 |
| Return on Equity (ROE) | 11.2665% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.2665% | 565 |
| Net charge-offs to loans | 0.5783% | 3,007 |
| Credit loss provision to net charge-offs | 98.1075% | 4,435 |
| Earnings coverage of net charge-offs (x) | 4.0027% | 3,222 |
| Efficiency ratio | 57.0418% | 6,408 |
| Assets per employee ($millions) | 4.5554% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,813 |
| Loan loss allowance to noncurrent loans | 291.4870% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,970 |
| Noncurrent loans to loans | 0.3877% | 6,422 |
| Net loans and leases to total assets | 90.1776% | 54 |
| Net loans and leases to deposits | 102.7561% | 496 |
| Net loans and leases to core deposits | 131.6903% | 354 |
| Total domestic deposits to total assets | 87.7590% | 2,123 |
| Equity capital to assets | 9.2324% | 5,257 |
| Core capital (leverage) ratio | 8.7564% | 5,093 |
| Tier 1 risk-based capital ratio | 9.3546% | 7,288 |
| Total risk-based capital ratio | 11.7626% | 6,758 |
| Memoranda: | ||
| Average total assets | $779,385,500 | 872 |
| Average earning assets | $733,335,000 | 835 |
| Average equity | $67,301,250 | 993 |
| Average total loans | $682,193,500 | 641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8289% | 1,349 |
| Cost of funding earning assets | 1.6055% | 2,625 |
| Net interest margin | 4.2234% | 2,078 |
| Noninterest income to average assets | 0.6785% | 2,828 |
| Noninterest expense to average assets | 2.6670% | 5,050 |
| Loan and lease loss provision to assets | 0.4959% | 2,818 |
| Net operating income to assets | 0.9496% | 2,370 |
| Return on assets (ROA) | 0.9496% | 2,458 |
| Pretax return on assets | 1.4875% | 1,588 |
| Return on Equity (ROE) | 11.2479% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.2479% | 605 |
| Net charge-offs to loans | 0.6425% | 2,613 |
| Credit loss provision to net charge-offs | 89.3988% | 4,441 |
| Earnings coverage of net charge-offs (x) | 3.5755% | 3,262 |
| Efficiency ratio | 57.3493% | 6,470 |
| Assets per employee ($millions) | 4.6902% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,889 |
| Loan loss allowance to noncurrent loans | 240.3888% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 6,233 |
| Noncurrent loans to loans | 0.4625% | 6,332 |
| Net loans and leases to total assets | 87.0558% | 168 |
| Net loans and leases to deposits | 99.3209% | 779 |
| Net loans and leases to core deposits | 134.3621% | 355 |
| Total domestic deposits to total assets | 87.6511% | 2,182 |
| Equity capital to assets | 8.7140% | 5,865 |
| Core capital (leverage) ratio | 8.7924% | 4,927 |
| Tier 1 risk-based capital ratio | 8.9851% | 7,421 |
| Total risk-based capital ratio | 11.3426% | 6,950 |
| Memoranda: | ||
| Average total assets | $785,599,330 | 869 |
| Average earning assets | $738,838,330 | 833 |
| Average equity | $66,323,330 | 999 |
| Average total loans | $678,304,000 | 644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8452% | 1,334 |
| Cost of funding earning assets | 1.6157% | 2,864 |
| Net interest margin | 4.2295% | 1,933 |
| Noninterest income to average assets | 0.6447% | 2,964 |
| Noninterest expense to average assets | 2.6539% | 5,132 |
| Loan and lease loss provision to assets | 0.4550% | 2,691 |
| Net operating income to assets | 0.9726% | 2,294 |
| Return on assets (ROA) | 0.9726% | 2,353 |
| Pretax return on assets | 1.5232% | 1,462 |
| Return on Equity (ROE) | 11.7078% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.7078% | 795 |
| Net charge-offs to loans | 0.6232% | 2,265 |
| Credit loss provision to net charge-offs | 85.4008% | 3,766 |
| Earnings coverage of net charge-offs (x) | 3.7128% | 2,817 |
| Efficiency ratio | 57.2934% | 6,590 |
| Assets per employee ($millions) | 4.7170% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,705 |
| Loan loss allowance to noncurrent loans | 217.6504% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 6,159 |
| Noncurrent loans to loans | 0.5339% | 6,226 |
| Net loans and leases to total assets | 84.6332% | 320 |
| Net loans and leases to deposits | 98.3548% | 876 |
| Net loans and leases to core deposits | 173.0454% | 150 |
| Total domestic deposits to total assets | 86.0488% | 3,135 |
| Equity capital to assets | 8.5292% | 5,961 |
| Core capital (leverage) ratio | 8.3881% | 5,584 |
| Tier 1 risk-based capital ratio | 9.1416% | 7,448 |
| Total risk-based capital ratio | 11.6186% | 6,741 |
| Memoranda: | ||
| Average total assets | $786,766,500 | 882 |
| Average earning assets | $741,743,000 | 848 |
| Average equity | $65,358,000 | 1,019 |
| Average total loans | $672,684,000 | 672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1457% | 1,386 |
| Cost of funding earning assets | 1.9495% | 3,214 |
| Net interest margin | 4.1962% | 2,076 |
| Noninterest income to average assets | 0.8142% | 2,337 |
| Noninterest expense to average assets | 2.7655% | 5,104 |
| Loan and lease loss provision to assets | 0.9182% | 2,445 |
| Net operating income to assets | 0.7003% | 2,933 |
| Return on assets (ROA) | 0.7015% | 2,995 |
| Pretax return on assets | 1.0674% | 2,352 |
| Return on Equity (ROE) | 8.2100% | 2,286 |
| Retained earnings to average equity (ytd only) | 8.2100% | 646 |
| Net charge-offs to loans | 0.9077% | 2,574 |
| Credit loss provision to net charge-offs | 114.5144% | 4,780 |
| Earnings coverage of net charge-offs (x) | 2.4741% | 3,886 |
| Efficiency ratio | 58.2300% | 6,730 |
| Assets per employee ($millions) | 4.9088% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,569 |
| Loan loss allowance to noncurrent loans | 213.5479% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 6,085 |
| Noncurrent loans to loans | 0.5447% | 6,153 |
| Net loans and leases to total assets | 84.3812% | 400 |
| Net loans and leases to deposits | 103.3442% | 680 |
| Net loans and leases to core deposits | 158.6582% | 355 |
| Total domestic deposits to total assets | 81.6506% | 5,084 |
| Equity capital to assets | 8.0899% | 6,474 |
| Core capital (leverage) ratio | 8.4767% | 5,310 |
| Tier 1 risk-based capital ratio | 8.6814% | 7,559 |
| Total risk-based capital ratio | 11.1268% | 6,945 |
| Memoranda: | ||
| Average total assets | $716,612,800 | 951 |
| Average earning assets | $672,013,400 | 925 |
| Average equity | $61,230,000 | 1,082 |
| Average total loans | $633,056,400 | 740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2023% | 1,375 |
| Cost of funding earning assets | 2.0465% | 3,134 |
| Net interest margin | 4.1559% | 2,194 |
| Noninterest income to average assets | 0.8163% | 2,351 |
| Noninterest expense to average assets | 2.8164% | 4,824 |
| Loan and lease loss provision to assets | 0.9288% | 2,074 |
| Net operating income to assets | 0.6388% | 3,455 |
| Return on assets (ROA) | 0.6403% | 3,520 |
| Pretax return on assets | 0.9657% | 3,007 |
| Return on Equity (ROE) | 7.3817% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.3817% | 1,360 |
| Net charge-offs to loans | 0.9399% | 2,093 |
| Credit loss provision to net charge-offs | 110.7942% | 4,592 |
| Earnings coverage of net charge-offs (x) | 2.2572% | 4,129 |
| Efficiency ratio | 59.8139% | 6,442 |
| Assets per employee ($millions) | 4.4365% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,472 |
| Loan loss allowance to noncurrent loans | 235.8685% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 6,230 |
| Noncurrent loans to loans | 0.4838% | 6,349 |
| Net loans and leases to total assets | 89.7236% | 129 |
| Net loans and leases to deposits | 110.6131% | 446 |
| Net loans and leases to core deposits | 164.0596% | 332 |
| Total domestic deposits to total assets | 81.1148% | 5,033 |
| Equity capital to assets | 8.6173% | 6,089 |
| Core capital (leverage) ratio | 8.6167% | 5,284 |
| Tier 1 risk-based capital ratio | 8.8067% | 7,681 |
| Total risk-based capital ratio | 11.3050% | 6,873 |
| Memoranda: | ||
| Average total assets | $696,959,500 | 996 |
| Average earning assets | $652,747,750 | 963 |
| Average equity | $60,454,250 | 1,111 |
| Average total loans | $621,591,000 | 771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1293% | 1,692 |
| Cost of funding earning assets | 2.0949% | 3,294 |
| Net interest margin | 4.0344% | 2,561 |
| Noninterest income to average assets | 0.7968% | 2,428 |
| Noninterest expense to average assets | 2.8313% | 4,820 |
| Loan and lease loss provision to assets | 0.9506% | 1,781 |
| Net operating income to assets | 0.5265% | 3,991 |
| Return on assets (ROA) | 0.5265% | 4,108 |
| Pretax return on assets | 0.7799% | 3,741 |
| Return on Equity (ROE) | 6.0563% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.0563% | 1,993 |
| Net charge-offs to loans | 0.9917% | 1,774 |
| Credit loss provision to net charge-offs | 108.1511% | 4,275 |
| Earnings coverage of net charge-offs (x) | 1.9689% | 4,111 |
| Efficiency ratio | 62.0659% | 6,237 |
| Assets per employee ($millions) | 4.3347% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,137 |
| Loan loss allowance to noncurrent loans | 243.3899% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 6,248 |
| Noncurrent loans to loans | 0.4812% | 6,324 |
| Net loans and leases to total assets | 87.2858% | 287 |
| Net loans and leases to deposits | 106.0910% | 762 |
| Net loans and leases to core deposits | 162.2365% | 416 |
| Total domestic deposits to total assets | 82.2745% | 4,581 |
| Equity capital to assets | 8.5862% | 5,919 |
| Core capital (leverage) ratio | 8.7926% | 4,953 |
| Tier 1 risk-based capital ratio | 8.9833% | 7,703 |
| Total risk-based capital ratio | 11.5646% | 6,514 |
| Memoranda: | ||
| Average total assets | $686,749,000 | 1,028 |
| Average earning assets | $640,894,000 | 1,000 |
| Average equity | $59,706,000 | 1,137 |
| Average total loans | $608,669,000 | 805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1331% | 1,819 |
| Cost of funding earning assets | 2.1644% | 3,348 |
| Net interest margin | 3.9687% | 2,778 |
| Noninterest income to average assets | 0.7742% | 2,457 |
| Noninterest expense to average assets | 2.7800% | 4,651 |
| Loan and lease loss provision to assets | 0.9911% | 1,311 |
| Net operating income to assets | 0.4917% | 4,457 |
| Return on assets (ROA) | 0.4917% | 4,645 |
| Pretax return on assets | 0.7210% | 4,357 |
| Return on Equity (ROE) | 5.6192% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.6192% | 2,815 |
| Net charge-offs to loans | 1.0829% | 1,256 |
| Credit loss provision to net charge-offs | 103.0731% | 3,641 |
| Earnings coverage of net charge-offs (x) | 1.7806% | 3,841 |
| Efficiency ratio | 61.8866% | 6,069 |
| Assets per employee ($millions) | 4.2929% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 4,928 |
| Loan loss allowance to noncurrent loans | 295.1452% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 6,268 |
| Noncurrent loans to loans | 0.3997% | 6,416 |
| Net loans and leases to total assets | 87.8382% | 281 |
| Net loans and leases to deposits | 108.7791% | 683 |
| Net loans and leases to core deposits | 164.6295% | 426 |
| Total domestic deposits to total assets | 80.7491% | 5,068 |
| Equity capital to assets | 8.8196% | 5,586 |
| Core capital (leverage) ratio | 8.7227% | 5,115 |
| Tier 1 risk-based capital ratio | 9.1374% | 7,713 |
| Total risk-based capital ratio | 10.2348% | 7,827 |
| Memoranda: | ||
| Average total assets | $676,842,000 | 1,037 |
| Average earning assets | $634,067,000 | 1,010 |
| Average equity | $59,225,500 | 1,151 |
| Average total loans | $600,984,500 | 822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4288% | 3,284 |
| Cost of funding earning assets | 2.8571% | 2,452 |
| Net interest margin | 3.5717% | 5,002 |
| Noninterest income to average assets | 0.8679% | 2,120 |
| Noninterest expense to average assets | 2.8229% | 4,725 |
| Loan and lease loss provision to assets | 0.9966% | 1,480 |
| Net operating income to assets | 0.3215% | 5,474 |
| Return on assets (ROA) | 0.3220% | 5,288 |
| Pretax return on assets | 0.4236% | 5,193 |
| Return on Equity (ROE) | 3.6456% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.6456% | 2,884 |
| Net charge-offs to loans | 0.9916% | 1,249 |
| Credit loss provision to net charge-offs | 116.7496% | 4,622 |
| Earnings coverage of net charge-offs (x) | 1.6630% | 5,254 |
| Efficiency ratio | 66.5394% | 5,017 |
| Assets per employee ($millions) | 4.3858% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,714 |
| Loan loss allowance to noncurrent loans | 222.1768% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 5,812 |
| Noncurrent loans to loans | 0.5307% | 5,764 |
| Net loans and leases to total assets | 87.6519% | 399 |
| Net loans and leases to deposits | 111.5264% | 733 |
| Net loans and leases to core deposits | 173.7798% | 350 |
| Total domestic deposits to total assets | 78.5929% | 5,517 |
| Equity capital to assets | 8.6806% | 5,837 |
| Core capital (leverage) ratio | 8.6734% | 5,247 |
| Tier 1 risk-based capital ratio | 9.0293% | 7,761 |
| Total risk-based capital ratio | 10.1222% | 7,897 |
| Memoranda: | ||
| Average total assets | $635,764,400 | 1,055 |
| Average earning assets | $600,669,600 | 1,017 |
| Average equity | $56,150,000 | 1,198 |
| Average total loans | $547,278,200 | 870 |