Home > Katahdin Trust Company > Performance and Condition Ratios
Katahdin Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 1,947 |
| Cost of funding earning assets | 1.1740% | 2,871 |
| Net interest margin | 3.8881% | 1,398 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.6785% | 1,798 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0722% | 2,003 |
| Return on assets (ROA) | 1.0759% | 1,962 |
| Pretax return on assets | 1.3168% | 1,825 |
| Return on Equity (ROE) | 10.6500% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.8815% | 1,577 |
| Net charge-offs to loans | 0.0044% | 2,569 |
| Credit loss provision to net charge-offs | 417.6471% | 766 |
| Earnings coverage of net charge-offs (x) | 389.9118% | 359 |
| Efficiency ratio | 66.9426% | 2,238 |
| Assets per employee ($millions) | 6.1837% | 2,662 |
| Cash dividends to net income (ytd only)* | 26.0015% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,321 |
| Loan loss allowance to noncurrent loans | 1,190.2985% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,137 |
| Noncurrent loans to loans | 0.0838% | 3,125 |
| Net loans and leases to total assets | 76.6100% | 1,033 |
| Net loans and leases to deposits | 88.3838% | 1,393 |
| Net loans and leases to core deposits | 108.0075% | 1,036 |
| Total domestic deposits to total assets | 86.6800% | 1,796 |
| Equity capital to assets | 10.3591% | 1,807 |
| Core capital (leverage) ratio | 10.7985% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8860% | 1,297 |
| Memoranda: | ||
| Average total assets | $1,002,283,800 | 985 |
| Average earning assets | $925,556,400 | 978 |
| Average equity | $101,249,600 | 936 |
| Average total loans | $776,526,000 | 885 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 1,903 |
| Cost of funding earning assets | 1.0721% | 2,826 |
| Net interest margin | 3.8928% | 1,417 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.7089% | 1,632 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.1021% | 2,049 |
| Return on assets (ROA) | 1.1052% | 2,021 |
| Pretax return on assets | 1.3440% | 1,914 |
| Return on Equity (ROE) | 11.0100% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.4031% | 1,839 |
| Net charge-offs to loans | 0.0059% | 2,236 |
| Credit loss provision to net charge-offs | -488.2353% | 4,575 |
| Earnings coverage of net charge-offs (x) | 288.1176% | 466 |
| Efficiency ratio | 67.3521% | 2,093 |
| Assets per employee ($millions) | 6.0451% | 2,706 |
| Cash dividends to net income (ytd only)* | 23.6992% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,505 |
| Loan loss allowance to noncurrent loans | 1,847.4699% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,387 |
| Noncurrent loans to loans | 0.0524% | 3,380 |
| Net loans and leases to total assets | 77.2100% | 970 |
| Net loans and leases to deposits | 87.8942% | 1,398 |
| Net loans and leases to core deposits | 104.7717% | 1,073 |
| Total domestic deposits to total assets | 87.8500% | 1,628 |
| Equity capital to assets | 9.8749% | 1,897 |
| Core capital (leverage) ratio | 10.7271% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5131% | 1,422 |
| Memoranda: | ||
| Average total assets | $994,686,500 | 992 |
| Average earning assets | $917,679,750 | 980 |
| Average equity | $99,818,000 | 944 |
| Average total loans | $770,884,250 | 889 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,934 |
| Cost of funding earning assets | 0.9241% | 2,850 |
| Net interest margin | 3.9023% | 1,426 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.7196% | 1,598 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.0986% | 2,131 |
| Return on assets (ROA) | 1.1001% | 2,116 |
| Pretax return on assets | 1.3392% | 1,962 |
| Return on Equity (ROE) | 10.9000% | 2,444 |
| Retained earnings to average equity (ytd only) | 8.0693% | 1,938 |
| Net charge-offs to loans | 0.0084% | 1,895 |
| Credit loss provision to net charge-offs | -493.7500% | 4,595 |
| Earnings coverage of net charge-offs (x) | 203.9688% | 596 |
| Efficiency ratio | 67.2963% | 2,068 |
| Assets per employee ($millions) | 6.0279% | 2,688 |
| Cash dividends to net income (ytd only)* | 25.9893% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,496 |
| Loan loss allowance to noncurrent loans | 1,827.8571% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,354 |
| Noncurrent loans to loans | 0.0538% | 3,316 |
| Net loans and leases to total assets | 77.3000% | 906 |
| Net loans and leases to deposits | 87.9125% | 1,350 |
| Net loans and leases to core deposits | 103.4526% | 1,071 |
| Total domestic deposits to total assets | 87.9300% | 1,631 |
| Equity capital to assets | 10.1088% | 1,793 |
| Core capital (leverage) ratio | 11.1162% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4610% | 1,436 |
| Memoranda: | ||
| Average total assets | $987,724,333 | 986 |
| Average earning assets | $912,020,667 | 983 |
| Average equity | $99,661,667 | 937 |
| Average total loans | $763,908,667 | 881 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 1,842 |
| Cost of funding earning assets | 0.7827% | 2,792 |
| Net interest margin | 3.9212% | 1,433 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.7444% | 1,559 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.1057% | 2,209 |
| Return on assets (ROA) | 1.1121% | 2,151 |
| Pretax return on assets | 1.3555% | 2,006 |
| Return on Equity (ROE) | 11.0400% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.8049% | 2,003 |
| Net charge-offs to loans | -0.0011% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2064% | 2,070 |
| Assets per employee ($millions) | 5.9792% | 2,777 |
| Cash dividends to net income (ytd only)* | 20.2346% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,416 |
| Loan loss allowance to noncurrent loans | 1,642.8270% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,303 |
| Noncurrent loans to loans | 0.0623% | 3,288 |
| Net loans and leases to total assets | 76.8100% | 892 |
| Net loans and leases to deposits | 87.6838% | 1,233 |
| Net loans and leases to core deposits | 99.2921% | 1,124 |
| Total domestic deposits to total assets | 87.6000% | 2,058 |
| Equity capital to assets | 10.2510% | 1,693 |
| Core capital (leverage) ratio | 11.0274% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7300% | 1,431 |
| Memoranda: | ||
| Average total assets | $981,210,500 | 1,008 |
| Average earning assets | $907,080,000 | 1,002 |
| Average equity | $98,853,500 | 954 |
| Average total loans | $755,297,500 | 902 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 1,494 |
| Cost of funding earning assets | 0.3434% | 2,531 |
| Net interest margin | 3.7482% | 1,270 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.6206% | 1,771 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.1056% | 2,150 |
| Return on assets (ROA) | 1.0946% | 2,141 |
| Pretax return on assets | 1.3354% | 1,976 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.1354% | 1,780 |
| Net charge-offs to loans | -0.0170% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.8946% | 2,099 |
| Assets per employee ($millions) | 5.9505% | 2,808 |
| Cash dividends to net income (ytd only)* | 25.2324% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,439 |
| Loan loss allowance to noncurrent loans | 1,470.8911% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,289 |
| Noncurrent loans to loans | 0.0674% | 3,263 |
| Net loans and leases to total assets | 75.5900% | 1,051 |
| Net loans and leases to deposits | 86.1946% | 1,298 |
| Net loans and leases to core deposits | 95.2106% | 1,245 |
| Total domestic deposits to total assets | 87.7000% | 2,180 |
| Equity capital to assets | 9.8985% | 1,758 |
| Core capital (leverage) ratio | 10.9933% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4509% | 1,491 |
| Memoranda: | ||
| Average total assets | $963,048,800 | 1,017 |
| Average earning assets | $896,639,000 | 1,004 |
| Average equity | $96,885,800 | 968 |
| Average total loans | $737,219,400 | 867 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 1,409 |
| Cost of funding earning assets | 0.2805% | 2,381 |
| Net interest margin | 3.6480% | 1,276 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.6224% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0068% | 2,459 |
| Return on assets (ROA) | 0.9950% | 2,466 |
| Pretax return on assets | 1.2105% | 2,325 |
| Return on Equity (ROE) | 9.8500% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.3103% | 2,262 |
| Net charge-offs to loans | -0.0149% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1626% | 1,995 |
| Assets per employee ($millions) | 5.7793% | 2,950 |
| Cash dividends to net income (ytd only)* | 25.7830% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,129 |
| Loan loss allowance to noncurrent loans | 1,275.8900% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,250 |
| Noncurrent loans to loans | 0.0841% | 3,277 |
| Net loans and leases to total assets | 75.2800% | 987 |
| Net loans and leases to deposits | 85.3733% | 1,210 |
| Net loans and leases to core deposits | 94.3072% | 1,076 |
| Total domestic deposits to total assets | 88.1800% | 2,376 |
| Equity capital to assets | 9.7045% | 1,768 |
| Core capital (leverage) ratio | 10.5417% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4818% | 1,575 |
| Memoranda: | ||
| Average total assets | $958,351,500 | 1,031 |
| Average earning assets | $894,498,750 | 1,009 |
| Average equity | $96,810,500 | 975 |
| Average total loans | $734,118,750 | 868 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 1,429 |
| Cost of funding earning assets | 0.2448% | 2,335 |
| Net interest margin | 3.5003% | 1,312 |
| Noninterest income to average assets | 0.4523% | 2,430 |
| Noninterest expense to average assets | 2.6071% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9262% | 2,463 |
| Return on assets (ROA) | 0.9058% | 2,532 |
| Pretax return on assets | 1.0982% | 2,417 |
| Return on Equity (ROE) | 8.8494% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.1231% | 2,293 |
| Net charge-offs to loans | -0.0035% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8912% | 1,977 |
| Assets per employee ($millions) | 5.8794% | 2,851 |
| Cash dividends to net income (ytd only)* | 30.8083% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,334 |
| Loan loss allowance to noncurrent loans | 837.8349% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,035 |
| Noncurrent loans to loans | 0.1263% | 3,088 |
| Net loans and leases to total assets | 75.7985% | 749 |
| Net loans and leases to deposits | 85.5445% | 1,007 |
| Net loans and leases to core deposits | 94.9617% | 867 |
| Total domestic deposits to total assets | 88.6071% | 2,332 |
| Equity capital to assets | 9.7960% | 1,824 |
| Core capital (leverage) ratio | 10.5612% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2921% | 1,632 |
| Memoranda: | ||
| Average total assets | $956,086,333 | 1,028 |
| Average earning assets | $895,353,333 | 1,014 |
| Average equity | $97,859,667 | 973 |
| Average total loans | $733,997,667 | 858 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 1,407 |
| Cost of funding earning assets | 0.2348% | 2,322 |
| Net interest margin | 3.4020% | 1,293 |
| Noninterest income to average assets | 0.4613% | 2,349 |
| Noninterest expense to average assets | 2.6205% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8580% | 2,460 |
| Return on assets (ROA) | 0.8315% | 2,547 |
| Pretax return on assets | 1.0046% | 2,426 |
| Return on Equity (ROE) | 7.9508% | 2,712 |
| Retained earnings to average equity (ytd only) | 5.8858% | 2,284 |
| Net charge-offs to loans | -0.0027% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6567% | 2,018 |
| Assets per employee ($millions) | 5.9151% | 2,881 |
| Cash dividends to net income (ytd only)* | 25.9727% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,470 |
| Loan loss allowance to noncurrent loans | 730.4022% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 3,033 |
| Noncurrent loans to loans | 0.1459% | 3,075 |
| Net loans and leases to total assets | 75.2049% | 558 |
| Net loans and leases to deposits | 84.8868% | 816 |
| Net loans and leases to core deposits | 97.5504% | 590 |
| Total domestic deposits to total assets | 88.5944% | 2,255 |
| Equity capital to assets | 10.1555% | 1,788 |
| Core capital (leverage) ratio | 10.4056% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6016% | 1,618 |
| Memoranda: | ||
| Average total assets | $952,017,500 | 1,033 |
| Average earning assets | $894,310,500 | 1,020 |
| Average equity | $99,562,000 | 994 |
| Average total loans | $731,654,500 | 854 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 1,383 |
| Cost of funding earning assets | 0.3260% | 2,154 |
| Net interest margin | 3.6621% | 1,308 |
| Noninterest income to average assets | 0.4550% | 2,794 |
| Noninterest expense to average assets | 2.5676% | 1,967 |
| Loan and lease loss provision to assets | 0.0143% | 2,796 |
| Net operating income to assets | 1.0785% | 2,374 |
| Return on assets (ROA) | 1.0894% | 2,406 |
| Pretax return on assets | 1.3326% | 2,258 |
| Return on Equity (ROE) | 10.4879% | 2,354 |
| Retained earnings to average equity (ytd only) | 7.9375% | 1,570 |
| Net charge-offs to loans | -0.0285% | 4,105 |
| Credit loss provision to net charge-offs | -62.7907% | 3,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8139% | 2,285 |
| Assets per employee ($millions) | 5.8017% | 2,951 |
| Cash dividends to net income (ytd only)* | 24.3177% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,484 |
| Loan loss allowance to noncurrent loans | 724.5125% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 3,127 |
| Noncurrent loans to loans | 0.1475% | 3,202 |
| Net loans and leases to total assets | 76.8828% | 448 |
| Net loans and leases to deposits | 87.6440% | 670 |
| Net loans and leases to core deposits | 98.5191% | 593 |
| Total domestic deposits to total assets | 87.7217% | 2,184 |
| Equity capital to assets | 10.7683% | 1,960 |
| Core capital (leverage) ratio | 10.1449% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6766% | 1,618 |
| Memoranda: | ||
| Average total assets | $941,809,200 | 1,000 |
| Average earning assets | $886,328,000 | 993 |
| Average equity | $97,826,600 | 1,029 |
| Average total loans | $753,340,800 | 829 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 1,539 |
| Cost of funding earning assets | 0.3422% | 2,187 |
| Net interest margin | 3.6539% | 1,453 |
| Noninterest income to average assets | 0.4625% | 2,783 |
| Noninterest expense to average assets | 2.4869% | 2,160 |
| Loan and lease loss provision to assets | 0.0191% | 2,625 |
| Net operating income to assets | 1.1392% | 2,408 |
| Return on assets (ROA) | 1.1513% | 2,419 |
| Pretax return on assets | 1.4144% | 2,277 |
| Return on Equity (ROE) | 11.1868% | 2,316 |
| Retained earnings to average equity (ytd only) | 8.8235% | 1,760 |
| Net charge-offs to loans | -0.0371% | 4,227 |
| Credit loss provision to net charge-offs | -63.9810% | 3,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6789% | 2,439 |
| Assets per employee ($millions) | 5.7964% | 2,897 |
| Cash dividends to net income (ytd only)* | 21.1257% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,689 |
| Loan loss allowance to noncurrent loans | 512.4179% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,046 |
| Noncurrent loans to loans | 0.2039% | 3,139 |
| Net loans and leases to total assets | 78.1666% | 394 |
| Net loans and leases to deposits | 89.2576% | 641 |
| Net loans and leases to core deposits | 100.4102% | 573 |
| Total domestic deposits to total assets | 87.5741% | 2,077 |
| Equity capital to assets | 10.6019% | 2,363 |
| Core capital (leverage) ratio | 10.0510% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3490% | 1,847 |
| Memoranda: | ||
| Average total assets | $942,293,500 | 1,016 |
| Average earning assets | $887,857,500 | 1,004 |
| Average equity | $96,981,250 | 1,053 |
| Average total loans | $759,075,250 | 841 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 1,729 |
| Cost of funding earning assets | 0.3382% | 2,425 |
| Net interest margin | 3.5959% | 1,605 |
| Noninterest income to average assets | 0.4788% | 2,718 |
| Noninterest expense to average assets | 2.4874% | 2,187 |
| Loan and lease loss provision to assets | 0.0287% | 2,410 |
| Net operating income to assets | 1.0986% | 2,557 |
| Return on assets (ROA) | 1.1187% | 2,543 |
| Pretax return on assets | 1.3732% | 2,410 |
| Return on Equity (ROE) | 10.9801% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.3758% | 1,950 |
| Net charge-offs to loans | -0.0249% | 4,078 |
| Credit loss provision to net charge-offs | -142.1053% | 3,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3670% | 2,377 |
| Assets per employee ($millions) | 5.8123% | 2,794 |
| Cash dividends to net income (ytd only)* | 23.7182% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,840 |
| Loan loss allowance to noncurrent loans | 421.5030% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,995 |
| Noncurrent loans to loans | 0.2359% | 3,103 |
| Net loans and leases to total assets | 80.7469% | 270 |
| Net loans and leases to deposits | 92.0956% | 537 |
| Net loans and leases to core deposits | 108.2552% | 410 |
| Total domestic deposits to total assets | 87.6772% | 1,997 |
| Equity capital to assets | 10.3105% | 2,566 |
| Core capital (leverage) ratio | 9.8286% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0197% | 1,965 |
| Memoranda: | ||
| Average total assets | $941,455,333 | 1,013 |
| Average earning assets | $886,397,333 | 1,004 |
| Average equity | $95,919,000 | 1,057 |
| Average total loans | $763,326,000 | 840 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 1,768 |
| Cost of funding earning assets | 0.3574% | 2,467 |
| Net interest margin | 3.5688% | 1,665 |
| Noninterest income to average assets | 0.5294% | 2,484 |
| Noninterest expense to average assets | 2.5083% | 2,153 |
| Loan and lease loss provision to assets | 0.0575% | 1,969 |
| Net operating income to assets | 1.0781% | 2,545 |
| Return on assets (ROA) | 1.0962% | 2,566 |
| Pretax return on assets | 1.3396% | 2,459 |
| Return on Equity (ROE) | 10.8252% | 2,416 |
| Retained earnings to average equity (ytd only) | 8.8428% | 2,002 |
| Net charge-offs to loans | -0.0053% | 3,415 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5923% | 2,397 |
| Assets per employee ($millions) | 5.7703% | 2,823 |
| Cash dividends to net income (ytd only)* | 18.3126% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,891 |
| Loan loss allowance to noncurrent loans | 300.7918% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 2,765 |
| Noncurrent loans to loans | 0.3278% | 2,926 |
| Net loans and leases to total assets | 81.1230% | 275 |
| Net loans and leases to deposits | 93.1019% | 537 |
| Net loans and leases to core deposits | 108.7839% | 447 |
| Total domestic deposits to total assets | 87.1336% | 2,264 |
| Equity capital to assets | 10.2197% | 2,506 |
| Core capital (leverage) ratio | 9.7335% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8327% | 1,951 |
| Memoranda: | ||
| Average total assets | $938,482,500 | 1,002 |
| Average earning assets | $881,985,000 | 996 |
| Average equity | $95,037,500 | 1,055 |
| Average total loans | $758,648,500 | 844 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 1,882 |
| Cost of funding earning assets | 0.6202% | 2,181 |
| Net interest margin | 3.6759% | 1,887 |
| Noninterest income to average assets | 0.5281% | 2,515 |
| Noninterest expense to average assets | 2.5992% | 2,550 |
| Loan and lease loss provision to assets | 0.1366% | 2,653 |
| Net operating income to assets | 1.1046% | 1,909 |
| Return on assets (ROA) | 1.1172% | 1,968 |
| Pretax return on assets | 1.2528% | 2,146 |
| Return on Equity (ROE) | 11.5381% | 1,464 |
| Retained earnings to average equity (ytd only) | 8.8356% | 809 |
| Net charge-offs to loans | 0.0132% | 2,866 |
| Credit loss provision to net charge-offs | 1,272.7273% | 651 |
| Earnings coverage of net charge-offs (x) | 128.0909% | 664 |
| Efficiency ratio | 65.3988% | 2,620 |
| Assets per employee ($millions) | 5.8162% | 2,529 |
| Cash dividends to net income (ytd only)* | 23.4226% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,876 |
| Loan loss allowance to noncurrent loans | 213.5817% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 2,477 |
| Noncurrent loans to loans | 0.4674% | 2,564 |
| Net loans and leases to total assets | 78.9439% | 507 |
| Net loans and leases to deposits | 90.9355% | 854 |
| Net loans and leases to core deposits | 140.1528% | 116 |
| Total domestic deposits to total assets | 86.8131% | 2,024 |
| Equity capital to assets | 10.0333% | 3,101 |
| Core capital (leverage) ratio | 9.5169% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9810% | 1,855 |
| Memoranda: | ||
| Average total assets | $922,123,600 | 949 |
| Average earning assets | $864,519,600 | 935 |
| Average equity | $89,286,600 | 1,065 |
| Average total loans | $748,159,000 | 829 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,370 |
| Cost of funding earning assets | 0.6843% | 2,122 |
| Net interest margin | 3.5276% | 2,493 |
| Noninterest income to average assets | 0.5275% | 2,492 |
| Noninterest expense to average assets | 2.4666% | 2,945 |
| Loan and lease loss provision to assets | 0.1466% | 2,553 |
| Net operating income to assets | 0.9701% | 2,448 |
| Return on assets (ROA) | 0.9851% | 2,527 |
| Pretax return on assets | 1.2421% | 2,260 |
| Return on Equity (ROE) | 10.2691% | 1,922 |
| Retained earnings to average equity (ytd only) | 7.7619% | 1,387 |
| Net charge-offs to loans | 0.0153% | 2,578 |
| Credit loss provision to net charge-offs | 1,174.4186% | 746 |
| Earnings coverage of net charge-offs (x) | 109.7209% | 742 |
| Efficiency ratio | 64.2968% | 2,688 |
| Assets per employee ($millions) | 5.7586% | 2,488 |
| Cash dividends to net income (ytd only)* | 24.4143% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,960 |
| Loan loss allowance to noncurrent loans | 192.3507% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 2,541 |
| Noncurrent loans to loans | 0.4854% | 2,610 |
| Net loans and leases to total assets | 81.5885% | 472 |
| Net loans and leases to deposits | 94.1830% | 910 |
| Net loans and leases to core deposits | 150.4914% | 112 |
| Total domestic deposits to total assets | 86.6276% | 1,804 |
| Equity capital to assets | 9.6899% | 3,525 |
| Core capital (leverage) ratio | 8.9499% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4483% | 2,018 |
| Memoranda: | ||
| Average total assets | $918,552,000 | 938 |
| Average earning assets | $861,562,250 | 925 |
| Average equity | $88,120,000 | 1,064 |
| Average total loans | $748,525,500 | 822 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,644 |
| Cost of funding earning assets | 0.7794% | 1,936 |
| Net interest margin | 3.4579% | 2,927 |
| Noninterest income to average assets | 0.5567% | 2,322 |
| Noninterest expense to average assets | 2.4899% | 2,991 |
| Loan and lease loss provision to assets | 0.1777% | 2,239 |
| Net operating income to assets | 0.8960% | 2,702 |
| Return on assets (ROA) | 0.9078% | 2,781 |
| Pretax return on assets | 1.1465% | 2,559 |
| Return on Equity (ROE) | 9.4958% | 2,154 |
| Retained earnings to average equity (ytd only) | 6.7244% | 1,766 |
| Net charge-offs to loans | -0.0057% | 4,047 |
| Credit loss provision to net charge-offs | -3,857.1429% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5389% | 2,581 |
| Assets per employee ($millions) | 5.8765% | 2,293 |
| Cash dividends to net income (ytd only)* | 29.1858% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,047 |
| Loan loss allowance to noncurrent loans | 156.4807% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,434 |
| Noncurrent loans to loans | 0.5665% | 2,460 |
| Net loans and leases to total assets | 81.1518% | 487 |
| Net loans and leases to deposits | 93.6750% | 991 |
| Net loans and leases to core deposits | 154.0187% | 91 |
| Total domestic deposits to total assets | 86.6312% | 1,762 |
| Equity capital to assets | 9.0606% | 4,032 |
| Core capital (leverage) ratio | 8.7608% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3937% | 2,445 |
| Memoranda: | ||
| Average total assets | $911,852,333 | 931 |
| Average earning assets | $855,015,333 | 915 |
| Average equity | $87,175,333 | 1,063 |
| Average total loans | $740,351,333 | 819 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,475 |
| Cost of funding earning assets | 0.9424% | 1,679 |
| Net interest margin | 3.4990% | 2,991 |
| Noninterest income to average assets | 0.5190% | 2,447 |
| Noninterest expense to average assets | 2.6223% | 2,917 |
| Loan and lease loss provision to assets | 0.2554% | 1,215 |
| Net operating income to assets | 0.7163% | 3,219 |
| Return on assets (ROA) | 0.6699% | 3,437 |
| Pretax return on assets | 0.8396% | 3,311 |
| Return on Equity (ROE) | 6.8085% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.7182% | 2,407 |
| Net charge-offs to loans | -0.0073% | 3,969 |
| Credit loss provision to net charge-offs | -4,307.6923% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4612% | 2,435 |
| Assets per employee ($millions) | 5.2836% | 2,346 |
| Cash dividends to net income (ytd only)* | 30.7012% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,898 |
| Loan loss allowance to noncurrent loans | 145.6204% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,401 |
| Noncurrent loans to loans | 0.6581% | 2,342 |
| Net loans and leases to total assets | 78.5339% | 901 |
| Net loans and leases to deposits | 95.6780% | 944 |
| Net loans and leases to core deposits | 158.8819% | 83 |
| Total domestic deposits to total assets | 82.0815% | 3,395 |
| Equity capital to assets | 9.5703% | 4,157 |
| Core capital (leverage) ratio | 9.5257% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5214% | 2,469 |
| Memoranda: | ||
| Average total assets | $877,091,000 | 936 |
| Average earning assets | $816,243,000 | 923 |
| Average equity | $86,304,000 | 1,070 |
| Average total loans | $708,764,000 | 828 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,238 |
| Cost of funding earning assets | 1.0381% | 1,567 |
| Net interest margin | 3.6931% | 2,833 |
| Noninterest income to average assets | 0.5441% | 2,521 |
| Noninterest expense to average assets | 2.6718% | 2,963 |
| Loan and lease loss provision to assets | 0.0556% | 2,913 |
| Net operating income to assets | 1.0379% | 2,705 |
| Return on assets (ROA) | 1.0514% | 2,745 |
| Pretax return on assets | 1.2946% | 2,522 |
| Return on Equity (ROE) | 10.5653% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.9650% | 1,406 |
| Net charge-offs to loans | 0.0034% | 3,560 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 479.6522% | 197 |
| Efficiency ratio | 66.7069% | 2,660 |
| Assets per employee ($millions) | 4.9748% | 2,639 |
| Cash dividends to net income (ytd only)* | 34.0768% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 3,971 |
| Loan loss allowance to noncurrent loans | 158.0759% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,503 |
| Noncurrent loans to loans | 0.5678% | 2,482 |
| Net loans and leases to total assets | 81.6774% | 588 |
| Net loans and leases to deposits | 96.7453% | 865 |
| Net loans and leases to core deposits | 152.2813% | 107 |
| Total domestic deposits to total assets | 84.4252% | 2,715 |
| Equity capital to assets | 10.1260% | 3,806 |
| Core capital (leverage) ratio | 9.6475% | 3,904 |
| Tier 1 risk-based capital ratio | 12.7482% | 3,919 |
| Total risk-based capital ratio | 13.7504% | 3,953 |
| Memoranda: | ||
| Average total assets | $827,301,200 | 948 |
| Average earning assets | $775,367,000 | 933 |
| Average equity | $82,325,800 | 1,064 |
| Average total loans | $685,033,200 | 824 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,249 |
| Cost of funding earning assets | 1.0588% | 1,507 |
| Net interest margin | 3.7003% | 2,919 |
| Noninterest income to average assets | 0.5712% | 2,347 |
| Noninterest expense to average assets | 2.6370% | 3,052 |
| Loan and lease loss provision to assets | 0.0528% | 2,853 |
| Net operating income to assets | 1.0683% | 2,697 |
| Return on assets (ROA) | 1.0738% | 2,762 |
| Pretax return on assets | 1.3543% | 2,478 |
| Return on Equity (ROE) | 10.8405% | 2,080 |
| Retained earnings to average equity (ytd only) | 7.0915% | 1,822 |
| Net charge-offs to loans | -0.0098% | 4,370 |
| Credit loss provision to net charge-offs | -650.0000% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3198% | 2,812 |
| Assets per employee ($millions) | 4.9124% | 2,648 |
| Cash dividends to net income (ytd only)* | 34.5828% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,087 |
| Loan loss allowance to noncurrent loans | 138.6738% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 2,378 |
| Noncurrent loans to loans | 0.6414% | 2,364 |
| Net loans and leases to total assets | 82.1863% | 544 |
| Net loans and leases to deposits | 97.5356% | 866 |
| Net loans and leases to core deposits | 153.0373% | 113 |
| Total domestic deposits to total assets | 84.2630% | 2,726 |
| Equity capital to assets | 10.0112% | 4,009 |
| Core capital (leverage) ratio | 9.4617% | 4,207 |
| Tier 1 risk-based capital ratio | 12.4635% | 4,168 |
| Total risk-based capital ratio | 13.4520% | 4,193 |
| Memoranda: | ||
| Average total assets | $821,453,500 | 956 |
| Average earning assets | $769,440,000 | 945 |
| Average equity | $81,372,000 | 1,070 |
| Average total loans | $681,012,500 | 828 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 2,320 |
| Cost of funding earning assets | 1.0353% | 1,550 |
| Net interest margin | 3.6790% | 2,992 |
| Noninterest income to average assets | 0.5418% | 2,429 |
| Noninterest expense to average assets | 2.6762% | 2,987 |
| Loan and lease loss provision to assets | 0.0467% | 2,879 |
| Net operating income to assets | 1.0117% | 2,876 |
| Return on assets (ROA) | 1.0145% | 2,946 |
| Pretax return on assets | 1.2755% | 2,653 |
| Return on Equity (ROE) | 10.2790% | 2,258 |
| Retained earnings to average equity (ytd only) | 5.6812% | 2,429 |
| Net charge-offs to loans | 0.0024% | 3,091 |
| Credit loss provision to net charge-offs | 2,375.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 670.6250% | 119 |
| Efficiency ratio | 66.9887% | 2,684 |
| Assets per employee ($millions) | 4.8437% | 2,675 |
| Cash dividends to net income (ytd only)* | 44.7298% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,220 |
| Loan loss allowance to noncurrent loans | 118.9248% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 2,172 |
| Noncurrent loans to loans | 0.7269% | 2,176 |
| Net loans and leases to total assets | 82.6483% | 522 |
| Net loans and leases to deposits | 100.1627% | 663 |
| Net loans and leases to core deposits | 159.7676% | 96 |
| Total domestic deposits to total assets | 82.5141% | 3,369 |
| Equity capital to assets | 9.8389% | 4,105 |
| Core capital (leverage) ratio | 9.4789% | 4,166 |
| Tier 1 risk-based capital ratio | 12.1889% | 4,306 |
| Total risk-based capital ratio | 13.1507% | 4,355 |
| Memoranda: | ||
| Average total assets | $813,626,000 | 960 |
| Average earning assets | $763,678,330 | 945 |
| Average equity | $80,300,000 | 1,082 |
| Average total loans | $674,465,330 | 838 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 2,308 |
| Cost of funding earning assets | 0.9979% | 1,570 |
| Net interest margin | 3.6757% | 2,986 |
| Noninterest income to average assets | 0.4422% | 2,897 |
| Noninterest expense to average assets | 2.6801% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9589% | 3,009 |
| Return on assets (ROA) | 0.9578% | 3,058 |
| Pretax return on assets | 1.2058% | 2,784 |
| Return on Equity (ROE) | 9.6886% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.9929% | 2,456 |
| Net charge-offs to loans | -0.0042% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9434% | 2,507 |
| Assets per employee ($millions) | 4.7620% | 2,833 |
| Cash dividends to net income (ytd only)* | 38.1449% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 4,231 |
| Loan loss allowance to noncurrent loans | 137.5880% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,506 |
| Noncurrent loans to loans | 0.6417% | 2,407 |
| Net loans and leases to total assets | 82.2929% | 559 |
| Net loans and leases to deposits | 101.7182% | 514 |
| Net loans and leases to core deposits | 161.5712% | 85 |
| Total domestic deposits to total assets | 80.9028% | 3,990 |
| Equity capital to assets | 10.0198% | 3,805 |
| Core capital (leverage) ratio | 9.5279% | 4,098 |
| Tier 1 risk-based capital ratio | 12.6596% | 4,063 |
| Total risk-based capital ratio | 13.6438% | 4,102 |
| Memoranda: | ||
| Average total assets | $801,459,500 | 969 |
| Average earning assets | $751,201,000 | 960 |
| Average equity | $79,227,000 | 1,082 |
| Average total loans | $662,399,000 | 851 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,411 |
| Cost of funding earning assets | 0.8834% | 1,159 |
| Net interest margin | 3.6344% | 3,267 |
| Noninterest income to average assets | 0.4832% | 2,926 |
| Noninterest expense to average assets | 2.6945% | 3,041 |
| Loan and lease loss provision to assets | 0.0226% | 3,718 |
| Net operating income to assets | 0.9320% | 3,320 |
| Return on assets (ROA) | 0.9320% | 3,312 |
| Pretax return on assets | 1.1629% | 3,052 |
| Return on Equity (ROE) | 9.8676% | 2,566 |
| Retained earnings to average equity (ytd only) | 6.4739% | 1,939 |
| Net charge-offs to loans | 0.0563% | 2,337 |
| Credit loss provision to net charge-offs | 48.2574% | 3,214 |
| Earnings coverage of net charge-offs (x) | 25.3244% | 1,776 |
| Efficiency ratio | 69.4462% | 2,298 |
| Assets per employee ($millions) | 4.6410% | 2,973 |
| Cash dividends to net income (ytd only)* | 34.3927% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,221 |
| Loan loss allowance to noncurrent loans | 150.4238% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,629 |
| Noncurrent loans to loans | 0.5893% | 2,521 |
| Net loans and leases to total assets | 81.5443% | 722 |
| Net loans and leases to deposits | 99.6187% | 775 |
| Net loans and leases to core deposits | 154.3391% | 116 |
| Total domestic deposits to total assets | 81.8564% | 3,684 |
| Equity capital to assets | 9.7514% | 3,901 |
| Core capital (leverage) ratio | 9.4163% | 4,220 |
| Tier 1 risk-based capital ratio | 12.4179% | 4,184 |
| Total risk-based capital ratio | 13.3981% | 4,216 |
| Memoranda: | ||
| Average total assets | $796,809,400 | 952 |
| Average earning assets | $744,726,400 | 941 |
| Average equity | $75,256,400 | 1,087 |
| Average total loans | $662,987,400 | 826 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 2,427 |
| Cost of funding earning assets | 0.8630% | 1,060 |
| Net interest margin | 3.5989% | 3,372 |
| Noninterest income to average assets | 0.4894% | 2,924 |
| Noninterest expense to average assets | 2.6658% | 3,079 |
| Loan and lease loss provision to assets | 0.0302% | 3,415 |
| Net operating income to assets | 0.9209% | 3,431 |
| Return on assets (ROA) | 0.9209% | 3,432 |
| Pretax return on assets | 1.1576% | 3,171 |
| Return on Equity (ROE) | 9.8310% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.4037% | 2,432 |
| Net charge-offs to loans | 0.0715% | 1,816 |
| Credit loss provision to net charge-offs | 50.5618% | 2,824 |
| Earnings coverage of net charge-offs (x) | 19.9019% | 1,976 |
| Efficiency ratio | 69.1769% | 2,328 |
| Assets per employee ($millions) | 4.5270% | 3,080 |
| Cash dividends to net income (ytd only)* | 34.8625% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,285 |
| Loan loss allowance to noncurrent loans | 137.9610% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 2,513 |
| Noncurrent loans to loans | 0.6488% | 2,467 |
| Net loans and leases to total assets | 82.0803% | 700 |
| Net loans and leases to deposits | 102.1835% | 635 |
| Net loans and leases to core deposits | 154.1313% | 110 |
| Total domestic deposits to total assets | 80.3264% | 4,036 |
| Equity capital to assets | 9.5807% | 4,008 |
| Core capital (leverage) ratio | 9.3641% | 4,316 |
| Tier 1 risk-based capital ratio | 12.3377% | 4,292 |
| Total risk-based capital ratio | 13.3233% | 4,344 |
| Memoranda: | ||
| Average total assets | $795,286,750 | 953 |
| Average earning assets | $743,424,250 | 941 |
| Average equity | $74,497,000 | 1,097 |
| Average total loans | $663,540,500 | 831 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 2,486 |
| Cost of funding earning assets | 0.8265% | 1,019 |
| Net interest margin | 3.5533% | 3,456 |
| Noninterest income to average assets | 0.4960% | 2,884 |
| Noninterest expense to average assets | 2.6500% | 3,163 |
| Loan and lease loss provision to assets | 0.0452% | 3,000 |
| Net operating income to assets | 0.8931% | 3,483 |
| Return on assets (ROA) | 0.8931% | 3,496 |
| Pretax return on assets | 1.1232% | 3,216 |
| Return on Equity (ROE) | 9.6070% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.1597% | 2,476 |
| Net charge-offs to loans | 0.0658% | 1,684 |
| Credit loss provision to net charge-offs | 82.1918% | 2,235 |
| Earnings coverage of net charge-offs (x) | 21.2420% | 1,783 |
| Efficiency ratio | 69.4008% | 2,409 |
| Assets per employee ($millions) | 4.6869% | 2,832 |
| Cash dividends to net income (ytd only)* | 35.8830% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,362 |
| Loan loss allowance to noncurrent loans | 103.7465% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 1,994 |
| Noncurrent loans to loans | 0.8632% | 1,998 |
| Net loans and leases to total assets | 82.9705% | 579 |
| Net loans and leases to deposits | 104.8987% | 488 |
| Net loans and leases to core deposits | 160.8012% | 76 |
| Total domestic deposits to total assets | 79.0958% | 4,413 |
| Equity capital to assets | 9.3355% | 4,253 |
| Core capital (leverage) ratio | 9.1380% | 4,531 |
| Tier 1 risk-based capital ratio | 11.8404% | 4,595 |
| Total risk-based capital ratio | 12.8254% | 4,636 |
| Memoranda: | ||
| Average total assets | $796,306,330 | 954 |
| Average earning assets | $744,552,330 | 946 |
| Average equity | $74,029,000 | 1,101 |
| Average total loans | $666,008,670 | 828 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,538 |
| Cost of funding earning assets | 0.7659% | 1,115 |
| Net interest margin | 3.5290% | 3,428 |
| Noninterest income to average assets | 0.5206% | 2,682 |
| Noninterest expense to average assets | 2.6624% | 3,156 |
| Loan and lease loss provision to assets | 0.0907% | 1,991 |
| Net operating income to assets | 0.8507% | 3,501 |
| Return on assets (ROA) | 0.8507% | 3,518 |
| Pretax return on assets | 1.0694% | 3,284 |
| Return on Equity (ROE) | 9.1697% | 2,820 |
| Retained earnings to average equity (ytd only) | 5.7257% | 2,843 |
| Net charge-offs to loans | 0.0482% | 1,627 |
| Credit loss provision to net charge-offs | 225.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 28.7750% | 1,264 |
| Efficiency ratio | 69.6506% | 2,540 |
| Assets per employee ($millions) | 4.6107% | 2,986 |
| Cash dividends to net income (ytd only)* | 37.5592% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,336 |
| Loan loss allowance to noncurrent loans | 115.7568% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 2,178 |
| Noncurrent loans to loans | 0.7983% | 2,214 |
| Net loans and leases to total assets | 83.1305% | 524 |
| Net loans and leases to deposits | 104.9017% | 433 |
| Net loans and leases to core deposits | 160.7593% | 85 |
| Total domestic deposits to total assets | 79.2461% | 4,539 |
| Equity capital to assets | 9.2857% | 4,279 |
| Core capital (leverage) ratio | 9.0739% | 4,599 |
| Tier 1 risk-based capital ratio | 11.7356% | 4,722 |
| Total risk-based capital ratio | 12.7517% | 4,757 |
| Memoranda: | ||
| Average total assets | $793,730,500 | 967 |
| Average earning assets | $742,654,500 | 957 |
| Average equity | $73,633,500 | 1,114 |
| Average total loans | $663,521,500 | 830 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,468 |
| Cost of funding earning assets | 0.6873% | 1,091 |
| Net interest margin | 3.5709% | 3,264 |
| Noninterest income to average assets | 0.4598% | 3,246 |
| Noninterest expense to average assets | 2.7071% | 3,106 |
| Loan and lease loss provision to assets | 0.1562% | 1,440 |
| Net operating income to assets | 0.5776% | 4,104 |
| Return on assets (ROA) | 0.5772% | 4,145 |
| Pretax return on assets | 0.9430% | 3,766 |
| Return on Equity (ROE) | 6.2409% | 3,651 |
| Retained earnings to average equity (ytd only) | 2.6772% | 3,712 |
| Net charge-offs to loans | 0.1854% | 1,362 |
| Credit loss provision to net charge-offs | 101.3234% | 2,531 |
| Earnings coverage of net charge-offs (x) | 7.1348% | 3,086 |
| Efficiency ratio | 71.1099% | 2,378 |
| Assets per employee ($millions) | 4.5656% | 3,085 |
| Cash dividends to net income (ytd only)* | 57.1018% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,397 |
| Loan loss allowance to noncurrent loans | 115.4198% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 2,204 |
| Noncurrent loans to loans | 0.7920% | 2,234 |
| Net loans and leases to total assets | 82.5240% | 610 |
| Net loans and leases to deposits | 101.1852% | 643 |
| Net loans and leases to core deposits | 154.3054% | 114 |
| Total domestic deposits to total assets | 81.5574% | 3,984 |
| Equity capital to assets | 9.2681% | 4,458 |
| Core capital (leverage) ratio | 8.8889% | 4,769 |
| Tier 1 risk-based capital ratio | 11.6394% | 4,764 |
| Total risk-based capital ratio | 12.6451% | 4,800 |
| Memoranda: | ||
| Average total assets | $784,295,800 | 948 |
| Average earning assets | $735,166,600 | 933 |
| Average equity | $72,537,400 | 1,096 |
| Average total loans | $652,199,600 | 806 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,601 |
| Cost of funding earning assets | 0.6754% | 1,092 |
| Net interest margin | 3.5292% | 3,391 |
| Noninterest income to average assets | 0.4465% | 3,355 |
| Noninterest expense to average assets | 2.7320% | 2,951 |
| Loan and lease loss provision to assets | 0.1364% | 1,574 |
| Net operating income to assets | 0.5983% | 4,400 |
| Return on assets (ROA) | 0.5978% | 4,439 |
| Pretax return on assets | 0.8877% | 4,080 |
| Return on Equity (ROE) | 6.4668% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.7970% | 4,243 |
| Net charge-offs to loans | 0.0421% | 2,604 |
| Credit loss provision to net charge-offs | 390.2439% | 781 |
| Earnings coverage of net charge-offs (x) | 29.3167% | 1,577 |
| Efficiency ratio | 72.7178% | 2,094 |
| Assets per employee ($millions) | 4.5569% | 3,037 |
| Cash dividends to net income (ytd only)* | 56.7474% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,046 |
| Loan loss allowance to noncurrent loans | 65.0280% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 1,176 |
| Noncurrent loans to loans | 1.5402% | 1,211 |
| Net loans and leases to total assets | 82.6107% | 588 |
| Net loans and leases to deposits | 101.0947% | 673 |
| Net loans and leases to core deposits | 159.1599% | 90 |
| Total domestic deposits to total assets | 81.7161% | 3,864 |
| Equity capital to assets | 9.2599% | 4,674 |
| Core capital (leverage) ratio | 8.7785% | 4,990 |
| Tier 1 risk-based capital ratio | 11.4921% | 4,965 |
| Total risk-based capital ratio | 12.5890% | 4,938 |
| Memoranda: | ||
| Average total assets | $781,764,500 | 958 |
| Average earning assets | $733,324,000 | 944 |
| Average equity | $72,264,750 | 1,108 |
| Average total loans | $649,840,500 | 810 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,690 |
| Cost of funding earning assets | 0.6341% | 1,234 |
| Net interest margin | 3.5113% | 3,355 |
| Noninterest income to average assets | 0.4300% | 3,490 |
| Noninterest expense to average assets | 2.7764% | 2,839 |
| Loan and lease loss provision to assets | 0.1517% | 1,327 |
| Net operating income to assets | 0.5363% | 4,586 |
| Return on assets (ROA) | 0.5354% | 4,625 |
| Pretax return on assets | 0.7943% | 4,290 |
| Return on Equity (ROE) | 5.7959% | 4,134 |
| Retained earnings to average equity (ytd only) | 2.4180% | 4,238 |
| Net charge-offs to loans | 0.0663% | 1,983 |
| Credit loss provision to net charge-offs | 275.7009% | 1,020 |
| Earnings coverage of net charge-offs (x) | 17.2196% | 1,938 |
| Efficiency ratio | 74.5616% | 1,916 |
| Assets per employee ($millions) | 4.6470% | 2,869 |
| Cash dividends to net income (ytd only)* | 58.2813% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 4,354 |
| Loan loss allowance to noncurrent loans | 60.9974% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 1,135 |
| Noncurrent loans to loans | 1.5790% | 1,178 |
| Net loans and leases to total assets | 82.4492% | 611 |
| Net loans and leases to deposits | 101.3773% | 647 |
| Net loans and leases to core deposits | 163.3111% | 83 |
| Total domestic deposits to total assets | 81.3290% | 4,096 |
| Equity capital to assets | 9.1144% | 4,787 |
| Core capital (leverage) ratio | 8.8763% | 4,866 |
| Tier 1 risk-based capital ratio | 11.2489% | 5,118 |
| Total risk-based capital ratio | 12.2959% | 5,126 |
| Memoranda: | ||
| Average total assets | $778,052,330 | 967 |
| Average earning assets | $729,807,670 | 953 |
| Average equity | $71,879,000 | 1,110 |
| Average total loans | $645,904,670 | 816 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 2,574 |
| Cost of funding earning assets | 0.6052% | 1,340 |
| Net interest margin | 3.5173% | 3,213 |
| Noninterest income to average assets | 0.3148% | 4,297 |
| Noninterest expense to average assets | 2.8099% | 2,764 |
| Loan and lease loss provision to assets | 0.1147% | 1,671 |
| Net operating income to assets | 0.4651% | 4,721 |
| Return on assets (ROA) | 0.4634% | 4,750 |
| Pretax return on assets | 0.6864% | 4,490 |
| Return on Equity (ROE) | 4.9808% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.5351% | 4,488 |
| Net charge-offs to loans | -0.0082% | 4,345 |
| Credit loss provision to net charge-offs | -1,692.3077% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7585% | 1,666 |
| Assets per employee ($millions) | 4.4643% | 3,226 |
| Cash dividends to net income (ytd only)* | 69.1789% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,467 |
| Loan loss allowance to noncurrent loans | 55.2655% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 1,052 |
| Noncurrent loans to loans | 1.7469% | 1,093 |
| Net loans and leases to total assets | 82.2727% | 541 |
| Net loans and leases to deposits | 95.7722% | 947 |
| Net loans and leases to core deposits | 163.0953% | 74 |
| Total domestic deposits to total assets | 85.9045% | 2,712 |
| Equity capital to assets | 9.1662% | 4,651 |
| Core capital (leverage) ratio | 8.9702% | 4,775 |
| Tier 1 risk-based capital ratio | 11.4709% | 5,049 |
| Total risk-based capital ratio | 12.5226% | 5,060 |
| Memoranda: | ||
| Average total assets | $767,439,500 | 975 |
| Average earning assets | $719,765,000 | 962 |
| Average equity | $71,394,000 | 1,116 |
| Average total loans | $636,153,500 | 828 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,883 |
| Cost of funding earning assets | 0.5748% | 1,517 |
| Net interest margin | 3.8050% | 2,305 |
| Noninterest income to average assets | 0.5504% | 2,910 |
| Noninterest expense to average assets | 2.9642% | 2,450 |
| Loan and lease loss provision to assets | 0.1815% | 1,310 |
| Net operating income to assets | 0.6932% | 3,816 |
| Return on assets (ROA) | 0.6987% | 3,896 |
| Pretax return on assets | 0.9738% | 3,569 |
| Return on Equity (ROE) | 7.1958% | 3,373 |
| Retained earnings to average equity (ytd only) | 3.6853% | 3,288 |
| Net charge-offs to loans | 0.1016% | 2,263 |
| Credit loss provision to net charge-offs | 214.3322% | 1,323 |
| Earnings coverage of net charge-offs (x) | 13.5505% | 2,360 |
| Efficiency ratio | 72.0880% | 2,576 |
| Assets per employee ($millions) | 4.0517% | 3,868 |
| Cash dividends to net income (ytd only)* | 48.7858% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,486 |
| Loan loss allowance to noncurrent loans | 55.1967% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 1,095 |
| Noncurrent loans to loans | 1.7536% | 1,093 |
| Net loans and leases to total assets | 81.9040% | 619 |
| Net loans and leases to deposits | 94.5064% | 1,144 |
| Net loans and leases to core deposits | 150.3037% | 113 |
| Total domestic deposits to total assets | 86.6650% | 2,304 |
| Equity capital to assets | 9.4445% | 4,333 |
| Core capital (leverage) ratio | 9.1528% | 4,545 |
| Tier 1 risk-based capital ratio | 11.9525% | 4,763 |
| Total risk-based capital ratio | 13.0161% | 4,786 |
| Memoranda: | ||
| Average total assets | $724,907,000 | 989 |
| Average earning assets | $678,525,000 | 980 |
| Average equity | $70,388,400 | 1,123 |
| Average total loans | $604,377,800 | 823 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,732 |
| Cost of funding earning assets | 0.5724% | 1,529 |
| Net interest margin | 3.8658% | 2,096 |
| Noninterest income to average assets | 0.5592% | 2,877 |
| Noninterest expense to average assets | 2.9910% | 2,344 |
| Loan and lease loss provision to assets | 0.1575% | 1,474 |
| Net operating income to assets | 0.6916% | 3,900 |
| Return on assets (ROA) | 0.6950% | 4,012 |
| Pretax return on assets | 1.0342% | 3,501 |
| Return on Equity (ROE) | 7.1061% | 3,505 |
| Retained earnings to average equity (ytd only) | 3.5863% | 3,742 |
| Net charge-offs to loans | 0.1023% | 1,924 |
| Credit loss provision to net charge-offs | 184.3478% | 1,522 |
| Earnings coverage of net charge-offs (x) | 13.8869% | 2,271 |
| Efficiency ratio | 71.5950% | 2,630 |
| Assets per employee ($millions) | 3.8733% | 4,180 |
| Cash dividends to net income (ytd only)* | 49.5321% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,772 |
| Loan loss allowance to noncurrent loans | 91.8272% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 2,295 |
| Noncurrent loans to loans | 1.0088% | 2,227 |
| Net loans and leases to total assets | 82.2454% | 582 |
| Net loans and leases to deposits | 94.7484% | 1,172 |
| Net loans and leases to core deposits | 148.9907% | 129 |
| Total domestic deposits to total assets | 86.8040% | 1,985 |
| Equity capital to assets | 9.6276% | 4,534 |
| Core capital (leverage) ratio | 9.2650% | 4,508 |
| Tier 1 risk-based capital ratio | 11.9676% | 4,810 |
| Total risk-based capital ratio | 12.9876% | 4,857 |
| Memoranda: | ||
| Average total assets | $717,728,500 | 1,001 |
| Average earning assets | $671,830,000 | 993 |
| Average equity | $70,191,500 | 1,127 |
| Average total loans | $599,652,500 | 829 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 1,595 |
| Cost of funding earning assets | 0.5838% | 1,439 |
| Net interest margin | 3.8894% | 2,018 |
| Noninterest income to average assets | 0.5162% | 3,089 |
| Noninterest expense to average assets | 2.9901% | 2,382 |
| Loan and lease loss provision to assets | 0.2059% | 1,042 |
| Net operating income to assets | 0.6451% | 4,064 |
| Return on assets (ROA) | 0.6504% | 4,186 |
| Pretax return on assets | 0.9677% | 3,712 |
| Return on Equity (ROE) | 6.6147% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.0722% | 3,954 |
| Net charge-offs to loans | 0.1560% | 1,398 |
| Credit loss provision to net charge-offs | 157.6674% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.9266% | 2,468 |
| Efficiency ratio | 71.9492% | 2,664 |
| Assets per employee ($millions) | 3.7185% | 4,409 |
| Cash dividends to net income (ytd only)* | 53.5559% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,852 |
| Loan loss allowance to noncurrent loans | 79.1013% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 2,081 |
| Noncurrent loans to loans | 1.1752% | 1,955 |
| Net loans and leases to total assets | 82.6996% | 550 |
| Net loans and leases to deposits | 97.4951% | 930 |
| Net loans and leases to core deposits | 154.8221% | 102 |
| Total domestic deposits to total assets | 84.8243% | 2,954 |
| Equity capital to assets | 9.8036% | 4,447 |
| Core capital (leverage) ratio | 9.3822% | 4,356 |
| Tier 1 risk-based capital ratio | 12.1916% | 4,706 |
| Total risk-based capital ratio | 13.2216% | 4,759 |
| Memoranda: | ||
| Average total assets | $709,082,330 | 1,013 |
| Average earning assets | $663,548,000 | 1,001 |
| Average equity | $69,723,000 | 1,134 |
| Average total loans | $593,753,000 | 833 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 2,045 |
| Cost of funding earning assets | 0.6218% | 1,206 |
| Net interest margin | 3.7040% | 2,654 |
| Noninterest income to average assets | 0.4974% | 3,135 |
| Noninterest expense to average assets | 3.0046% | 2,378 |
| Loan and lease loss provision to assets | 0.1536% | 1,372 |
| Net operating income to assets | 0.5413% | 4,459 |
| Return on assets (ROA) | 0.5520% | 4,513 |
| Pretax return on assets | 0.8194% | 4,137 |
| Return on Equity (ROE) | 5.6051% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.0340% | 4,445 |
| Net charge-offs to loans | 0.0142% | 2,658 |
| Credit loss provision to net charge-offs | 1,285.7143% | 313 |
| Earnings coverage of net charge-offs (x) | 80.0952% | 637 |
| Efficiency ratio | 75.8403% | 2,193 |
| Assets per employee ($millions) | 3.6676% | 4,524 |
| Cash dividends to net income (ytd only)* | 63.7113% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,899 |
| Loan loss allowance to noncurrent loans | 71.2462% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 1,837 |
| Noncurrent loans to loans | 1.3211% | 1,808 |
| Net loans and leases to total assets | 83.3949% | 418 |
| Net loans and leases to deposits | 96.8503% | 860 |
| Net loans and leases to core deposits | 159.2953% | 82 |
| Total domestic deposits to total assets | 86.1070% | 2,628 |
| Equity capital to assets | 9.8664% | 4,258 |
| Core capital (leverage) ratio | 9.4221% | 4,324 |
| Tier 1 risk-based capital ratio | 12.3386% | 4,701 |
| Total risk-based capital ratio | 13.3895% | 4,724 |
| Memoranda: | ||
| Average total assets | $702,924,500 | 1,023 |
| Average earning assets | $657,454,000 | 1,007 |
| Average equity | $69,223,000 | 1,135 |
| Average total loans | $589,534,000 | 835 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,819 |
| Cost of funding earning assets | 0.5531% | 1,736 |
| Net interest margin | 3.8713% | 2,128 |
| Noninterest income to average assets | 0.4873% | 3,416 |
| Noninterest expense to average assets | 2.9919% | 2,575 |
| Loan and lease loss provision to assets | 0.0073% | 4,251 |
| Net operating income to assets | 0.7399% | 3,618 |
| Return on assets (ROA) | 0.7411% | 3,714 |
| Pretax return on assets | 1.0972% | 3,079 |
| Return on Equity (ROE) | 7.4321% | 3,286 |
| Retained earnings to average equity (ytd only) | 3.7500% | 3,377 |
| Net charge-offs to loans | 0.1078% | 2,308 |
| Credit loss provision to net charge-offs | 8.0906% | 3,837 |
| Earnings coverage of net charge-offs (x) | 12.1392% | 2,496 |
| Efficiency ratio | 73.0686% | 2,731 |
| Assets per employee ($millions) | 3.5983% | 4,648 |
| Cash dividends to net income (ytd only)* | 49.5438% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 5,052 |
| Loan loss allowance to noncurrent loans | 96.5586% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 2,554 |
| Noncurrent loans to loans | 0.9418% | 2,446 |
| Net loans and leases to total assets | 82.7893% | 510 |
| Net loans and leases to deposits | 95.8009% | 1,033 |
| Net loans and leases to core deposits | 154.6932% | 93 |
| Total domestic deposits to total assets | 86.4181% | 2,421 |
| Equity capital to assets | 9.8293% | 4,159 |
| Core capital (leverage) ratio | 9.4816% | 4,200 |
| Tier 1 risk-based capital ratio | 12.3286% | 4,743 |
| Total risk-based capital ratio | 13.3372% | 4,800 |
| Memoranda: | ||
| Average total assets | $680,296,800 | 1,013 |
| Average earning assets | $633,916,800 | 1,002 |
| Average equity | $67,840,600 | 1,124 |
| Average total loans | $573,097,400 | 817 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 1,804 |
| Cost of funding earning assets | 0.5584% | 1,733 |
| Net interest margin | 3.8740% | 2,117 |
| Noninterest income to average assets | 0.4761% | 3,525 |
| Noninterest expense to average assets | 2.9795% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7455% | 3,700 |
| Return on assets (ROA) | 0.7471% | 3,790 |
| Pretax return on assets | 1.1076% | 3,188 |
| Return on Equity (ROE) | 7.4640% | 3,363 |
| Retained earnings to average equity (ytd only) | 3.7537% | 3,800 |
| Net charge-offs to loans | 0.1128% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.6079% | 2,473 |
| Efficiency ratio | 72.9423% | 2,728 |
| Assets per employee ($millions) | 3.5239% | 4,757 |
| Cash dividends to net income (ytd only)* | 49.7091% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 5,051 |
| Loan loss allowance to noncurrent loans | 58.3980% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.4254% | 1,602 |
| Noncurrent loans to loans | 1.5997% | 1,548 |
| Net loans and leases to total assets | 83.5973% | 417 |
| Net loans and leases to deposits | 99.5332% | 693 |
| Net loans and leases to core deposits | 155.9643% | 87 |
| Total domestic deposits to total assets | 83.9893% | 3,433 |
| Equity capital to assets | 9.9740% | 4,179 |
| Core capital (leverage) ratio | 9.5328% | 4,257 |
| Tier 1 risk-based capital ratio | 12.4161% | 4,815 |
| Total risk-based capital ratio | 13.4587% | 4,858 |
| Memoranda: | ||
| Average total assets | $674,953,750 | 1,026 |
| Average earning assets | $628,717,500 | 1,012 |
| Average equity | $67,558,500 | 1,134 |
| Average total loans | $569,812,250 | 827 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 1,801 |
| Cost of funding earning assets | 0.5628% | 1,703 |
| Net interest margin | 3.8537% | 2,129 |
| Noninterest income to average assets | 0.4519% | 3,690 |
| Noninterest expense to average assets | 2.9853% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7096% | 3,843 |
| Return on assets (ROA) | 0.7122% | 3,955 |
| Pretax return on assets | 1.0568% | 3,355 |
| Return on Equity (ROE) | 7.1067% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.3496% | 3,912 |
| Net charge-offs to loans | 0.1465% | 1,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.5108% | 2,555 |
| Efficiency ratio | 73.9259% | 2,686 |
| Assets per employee ($millions) | 3.4934% | 4,801 |
| Cash dividends to net income (ytd only)* | 52.8673% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 5,082 |
| Loan loss allowance to noncurrent loans | 56.1713% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 1,642 |
| Noncurrent loans to loans | 1.6987% | 1,522 |
| Net loans and leases to total assets | 83.5631% | 407 |
| Net loans and leases to deposits | 98.4762% | 750 |
| Net loans and leases to core deposits | 157.9205% | 83 |
| Total domestic deposits to total assets | 84.8561% | 3,189 |
| Equity capital to assets | 9.9317% | 4,112 |
| Core capital (leverage) ratio | 9.5717% | 4,174 |
| Tier 1 risk-based capital ratio | 12.2240% | 4,979 |
| Total risk-based capital ratio | 13.2789% | 5,031 |
| Memoranda: | ||
| Average total assets | $670,886,670 | 1,038 |
| Average earning assets | $624,329,000 | 1,023 |
| Average equity | $67,232,330 | 1,143 |
| Average total loans | $566,463,000 | 830 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 1,782 |
| Cost of funding earning assets | 0.5721% | 1,640 |
| Net interest margin | 3.8243% | 2,153 |
| Noninterest income to average assets | 0.4068% | 3,946 |
| Noninterest expense to average assets | 3.0427% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6207% | 4,193 |
| Return on assets (ROA) | 0.6207% | 4,288 |
| Pretax return on assets | 0.9187% | 3,818 |
| Return on Equity (ROE) | 6.1652% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.3157% | 4,534 |
| Net charge-offs to loans | 0.0669% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.2660% | 1,579 |
| Efficiency ratio | 76.8087% | 2,373 |
| Assets per employee ($millions) | 3.4281% | 5,034 |
| Cash dividends to net income (ytd only)* | 62.4395% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,835 |
| Loan loss allowance to noncurrent loans | 57.1021% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5655% | 1,648 |
| Noncurrent loans to loans | 1.8175% | 1,492 |
| Net loans and leases to total assets | 83.2312% | 360 |
| Net loans and leases to deposits | 93.3720% | 1,049 |
| Net loans and leases to core deposits | 151.5380% | 98 |
| Total domestic deposits to total assets | 89.1394% | 1,178 |
| Equity capital to assets | 10.1158% | 3,994 |
| Core capital (leverage) ratio | 9.6124% | 4,131 |
| Tier 1 risk-based capital ratio | 12.5502% | 4,875 |
| Total risk-based capital ratio | 13.7059% | 4,854 |
| Memoranda: | ||
| Average total assets | $665,727,000 | 1,046 |
| Average earning assets | $618,778,000 | 1,033 |
| Average equity | $67,021,000 | 1,144 |
| Average total loans | $562,334,000 | 830 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,562 |
| Cost of funding earning assets | 0.6540% | 1,379 |
| Net interest margin | 3.9431% | 2,077 |
| Noninterest income to average assets | 0.4741% | 3,682 |
| Noninterest expense to average assets | 3.0252% | 2,770 |
| Loan and lease loss provision to assets | 0.0846% | 2,785 |
| Net operating income to assets | 0.6915% | 3,937 |
| Return on assets (ROA) | 0.6897% | 4,059 |
| Pretax return on assets | 1.0032% | 3,482 |
| Return on Equity (ROE) | 7.0054% | 3,633 |
| Retained earnings to average equity (ytd only) | 3.6461% | 3,626 |
| Net charge-offs to loans | 0.1359% | 2,658 |
| Credit loss provision to net charge-offs | 73.4584% | 2,993 |
| Earnings coverage of net charge-offs (x) | 9.4705% | 2,741 |
| Efficiency ratio | 73.4793% | 2,934 |
| Assets per employee ($millions) | 3.4000% | 5,061 |
| Cash dividends to net income (ytd only)* | 47.9526% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 4,836 |
| Loan loss allowance to noncurrent loans | 64.2033% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 1,937 |
| Noncurrent loans to loans | 1.6252% | 1,801 |
| Net loans and leases to total assets | 83.9483% | 346 |
| Net loans and leases to deposits | 99.5826% | 643 |
| Net loans and leases to core deposits | 158.3630% | 87 |
| Total domestic deposits to total assets | 84.3002% | 3,590 |
| Equity capital to assets | 10.0189% | 4,091 |
| Core capital (leverage) ratio | 9.6777% | 4,005 |
| Tier 1 risk-based capital ratio | 12.2258% | 5,210 |
| Total risk-based capital ratio | 13.3812% | 5,182 |
| Memoranda: | ||
| Average total assets | $647,932,200 | 1,035 |
| Average earning assets | $598,359,400 | 1,027 |
| Average equity | $63,794,000 | 1,144 |
| Average total loans | $548,915,800 | 800 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,529 |
| Cost of funding earning assets | 0.6683% | 1,331 |
| Net interest margin | 3.9442% | 2,059 |
| Noninterest income to average assets | 0.4792% | 3,692 |
| Noninterest expense to average assets | 3.0199% | 2,733 |
| Loan and lease loss provision to assets | 0.0991% | 2,389 |
| Net operating income to assets | 0.6774% | 4,060 |
| Return on assets (ROA) | 0.6750% | 4,166 |
| Pretax return on assets | 0.9934% | 3,619 |
| Return on Equity (ROE) | 6.8874% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.7175% | 3,994 |
| Net charge-offs to loans | 0.0815% | 3,032 |
| Credit loss provision to net charge-offs | 143.5435% | 1,641 |
| Earnings coverage of net charge-offs (x) | 15.8798% | 2,026 |
| Efficiency ratio | 73.3471% | 2,929 |
| Assets per employee ($millions) | 3.2993% | 5,241 |
| Cash dividends to net income (ytd only)* | 46.0240% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 4,524 |
| Loan loss allowance to noncurrent loans | 66.4043% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 2,033 |
| Noncurrent loans to loans | 1.7258% | 1,882 |
| Net loans and leases to total assets | 83.6923% | 351 |
| Net loans and leases to deposits | 95.0921% | 952 |
| Net loans and leases to core deposits | 155.1393% | 88 |
| Total domestic deposits to total assets | 88.0118% | 1,761 |
| Equity capital to assets | 10.2916% | 3,800 |
| Core capital (leverage) ratio | 9.7372% | 4,015 |
| Tier 1 risk-based capital ratio | 12.6035% | 5,110 |
| Total risk-based capital ratio | 13.8206% | 5,063 |
| Memoranda: | ||
| Average total assets | $643,313,250 | 1,055 |
| Average earning assets | $593,163,500 | 1,041 |
| Average equity | $63,050,750 | 1,163 |
| Average total loans | $544,810,500 | 811 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 1,638 |
| Cost of funding earning assets | 0.6753% | 1,339 |
| Net interest margin | 3.8866% | 2,229 |
| Noninterest income to average assets | 0.4626% | 3,766 |
| Noninterest expense to average assets | 3.0042% | 2,811 |
| Loan and lease loss provision to assets | 0.1272% | 1,944 |
| Net operating income to assets | 0.6206% | 4,245 |
| Return on assets (ROA) | 0.6174% | 4,364 |
| Pretax return on assets | 0.9069% | 3,867 |
| Return on Equity (ROE) | 6.4068% | 3,939 |
| Retained earnings to average equity (ytd only) | 3.6550% | 3,861 |
| Net charge-offs to loans | 0.1255% | 2,411 |
| Credit loss provision to net charge-offs | 119.5906% | 1,725 |
| Earnings coverage of net charge-offs (x) | 9.7690% | 2,324 |
| Efficiency ratio | 74.2771% | 2,926 |
| Assets per employee ($millions) | 3.3142% | 5,230 |
| Cash dividends to net income (ytd only)* | 42.9507% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 4,787 |
| Loan loss allowance to noncurrent loans | 59.5959% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6380% | 2,002 |
| Noncurrent loans to loans | 1.8908% | 1,816 |
| Net loans and leases to total assets | 83.6898% | 323 |
| Net loans and leases to deposits | 95.6523% | 825 |
| Net loans and leases to core deposits | 158.1622% | 81 |
| Total domestic deposits to total assets | 87.4938% | 2,200 |
| Equity capital to assets | 10.1509% | 3,899 |
| Core capital (leverage) ratio | 9.6140% | 4,153 |
| Tier 1 risk-based capital ratio | 12.4203% | 5,284 |
| Total risk-based capital ratio | 13.6704% | 5,200 |
| Memoranda: | ||
| Average total assets | $643,298,000 | 1,051 |
| Average earning assets | $592,603,330 | 1,042 |
| Average equity | $61,997,000 | 1,174 |
| Average total loans | $544,852,670 | 805 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 1,719 |
| Cost of funding earning assets | 0.6658% | 1,470 |
| Net interest margin | 3.8590% | 2,234 |
| Noninterest income to average assets | 0.4506% | 3,792 |
| Noninterest expense to average assets | 2.9373% | 3,091 |
| Loan and lease loss provision to assets | 0.1683% | 1,435 |
| Net operating income to assets | 0.6170% | 4,113 |
| Return on assets (ROA) | 0.6170% | 4,193 |
| Pretax return on assets | 0.9068% | 3,674 |
| Return on Equity (ROE) | 6.5787% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.7412% | 3,885 |
| Net charge-offs to loans | -0.0839% | 6,052 |
| Credit loss provision to net charge-offs | -236.8421% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1749% | 3,281 |
| Assets per employee ($millions) | 3.3793% | 5,193 |
| Cash dividends to net income (ytd only)* | 43.1313% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 4,645 |
| Loan loss allowance to noncurrent loans | 58.3453% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 1,942 |
| Noncurrent loans to loans | 2.0521% | 1,809 |
| Net loans and leases to total assets | 83.7350% | 245 |
| Net loans and leases to deposits | 94.1336% | 780 |
| Net loans and leases to core deposits | 158.9713% | 75 |
| Total domestic deposits to total assets | 88.9533% | 1,690 |
| Equity capital to assets | 9.4788% | 4,527 |
| Core capital (leverage) ratio | 8.8390% | 5,211 |
| Tier 1 risk-based capital ratio | 11.5288% | 5,900 |
| Total risk-based capital ratio | 12.7786% | 5,849 |
| Memoranda: | ||
| Average total assets | $641,812,500 | 1,062 |
| Average earning assets | $592,382,500 | 1,055 |
| Average equity | $60,194,500 | 1,208 |
| Average total loans | $543,766,500 | 805 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8438% | 1,217 |
| Cost of funding earning assets | 0.7846% | 1,297 |
| Net interest margin | 4.0592% | 1,766 |
| Noninterest income to average assets | 0.4879% | 3,835 |
| Noninterest expense to average assets | 3.1121% | 2,695 |
| Loan and lease loss provision to assets | 0.1320% | 2,662 |
| Net operating income to assets | 0.6745% | 3,922 |
| Return on assets (ROA) | 0.6723% | 4,028 |
| Pretax return on assets | 0.9777% | 3,440 |
| Return on Equity (ROE) | 6.6911% | 3,727 |
| Retained earnings to average equity (ytd only) | -0.1564% | 5,905 |
| Net charge-offs to loans | 0.2053% | 2,827 |
| Credit loss provision to net charge-offs | 76.8046% | 3,119 |
| Earnings coverage of net charge-offs (x) | 6.4755% | 3,055 |
| Efficiency ratio | 73.4497% | 3,226 |
| Assets per employee ($millions) | 3.3766% | 5,143 |
| Cash dividends to net income (ytd only)* | 102.3370% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,065 |
| Loan loss allowance to noncurrent loans | 78.2469% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 2,918 |
| Noncurrent loans to loans | 1.4265% | 2,752 |
| Net loans and leases to total assets | 83.7523% | 270 |
| Net loans and leases to deposits | 95.8193% | 749 |
| Net loans and leases to core deposits | 157.7297% | 76 |
| Total domestic deposits to total assets | 87.4065% | 2,524 |
| Equity capital to assets | 9.2799% | 4,713 |
| Core capital (leverage) ratio | 8.8937% | 5,149 |
| Tier 1 risk-based capital ratio | 11.2939% | 6,028 |
| Total risk-based capital ratio | 12.5424% | 5,965 |
| Memoranda: | ||
| Average total assets | $604,610,600 | 1,098 |
| Average earning assets | $556,610,200 | 1,089 |
| Average equity | $60,752,400 | 1,184 |
| Average total loans | $506,074,600 | 844 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 1,108 |
| Cost of funding earning assets | 0.8089% | 1,275 |
| Net interest margin | 4.1008% | 1,631 |
| Noninterest income to average assets | 0.3467% | 4,916 |
| Noninterest expense to average assets | 3.1675% | 2,456 |
| Loan and lease loss provision to assets | -0.1200% | 6,650 |
| Net operating income to assets | 0.7345% | 3,677 |
| Return on assets (ROA) | 0.7315% | 3,818 |
| Pretax return on assets | 1.0661% | 3,239 |
| Return on Equity (ROE) | 7.1324% | 3,572 |
| Retained earnings to average equity (ytd only) | 0.3236% | 5,836 |
| Net charge-offs to loans | 0.0616% | 4,021 |
| Credit loss provision to net charge-offs | -233.6245% | 5,925 |
| Earnings coverage of net charge-offs (x) | 18.5063% | 1,675 |
| Efficiency ratio | 76.6964% | 2,614 |
| Assets per employee ($millions) | 3.1903% | 5,516 |
| Cash dividends to net income (ytd only)* | 95.4631% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,425 |
| Loan loss allowance to noncurrent loans | 77.1136% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 3,268 |
| Noncurrent loans to loans | 1.3942% | 3,082 |
| Net loans and leases to total assets | 83.2823% | 280 |
| Net loans and leases to deposits | 94.6350% | 780 |
| Net loans and leases to core deposits | 152.3822% | 85 |
| Total domestic deposits to total assets | 88.0037% | 2,127 |
| Equity capital to assets | 9.7882% | 4,202 |
| Core capital (leverage) ratio | 9.1300% | 4,925 |
| Tier 1 risk-based capital ratio | 12.0881% | 5,730 |
| Total risk-based capital ratio | 13.3072% | 5,684 |
| Memoranda: | ||
| Average total assets | $594,529,750 | 1,130 |
| Average earning assets | $546,745,250 | 1,117 |
| Average equity | $60,978,250 | 1,190 |
| Average total loans | $496,032,250 | 857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 1,107 |
| Cost of funding earning assets | 0.8290% | 1,266 |
| Net interest margin | 4.0685% | 1,637 |
| Noninterest income to average assets | 0.2839% | 5,416 |
| Noninterest expense to average assets | 3.2965% | 2,079 |
| Loan and lease loss provision to assets | -0.2485% | 6,806 |
| Net operating income to assets | 0.7231% | 3,703 |
| Return on assets (ROA) | 0.7183% | 3,897 |
| Pretax return on assets | 0.9669% | 3,651 |
| Return on Equity (ROE) | 6.8938% | 3,668 |
| Retained earnings to average equity (ytd only) | 0.1111% | 5,819 |
| Net charge-offs to loans | 0.0786% | 3,592 |
| Credit loss provision to net charge-offs | -380.2083% | 5,862 |
| Earnings coverage of net charge-offs (x) | 11.0885% | 2,085 |
| Efficiency ratio | 81.7474% | 1,920 |
| Assets per employee ($millions) | 3.1950% | 5,492 |
| Cash dividends to net income (ytd only)* | 98.3886% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 5,543 |
| Loan loss allowance to noncurrent loans | 79.4951% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 3,450 |
| Noncurrent loans to loans | 1.3486% | 3,300 |
| Net loans and leases to total assets | 82.3253% | 335 |
| Net loans and leases to deposits | 94.1925% | 797 |
| Net loans and leases to core deposits | 149.5222% | 97 |
| Total domestic deposits to total assets | 87.4011% | 2,590 |
| Equity capital to assets | 9.9750% | 3,948 |
| Core capital (leverage) ratio | 9.4396% | 4,337 |
| Tier 1 risk-based capital ratio | 12.0385% | 5,775 |
| Total risk-based capital ratio | 13.2204% | 5,760 |
| Memoranda: | ||
| Average total assets | $587,462,670 | 1,144 |
| Average earning assets | $539,660,330 | 1,134 |
| Average equity | $61,214,670 | 1,191 |
| Average total loans | $488,587,000 | 865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 1,012 |
| Cost of funding earning assets | 0.8585% | 1,212 |
| Net interest margin | 4.0683% | 1,565 |
| Noninterest income to average assets | 0.4972% | 3,789 |
| Noninterest expense to average assets | 3.2309% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6824% | 3,771 |
| Return on assets (ROA) | 0.6772% | 3,953 |
| Pretax return on assets | 0.9930% | 3,384 |
| Return on Equity (ROE) | 6.3563% | 3,850 |
| Retained earnings to average equity (ytd only) | -0.3900% | 5,854 |
| Net charge-offs to loans | 0.1224% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.8299% | 1,801 |
| Efficiency ratio | 76.1414% | 2,900 |
| Assets per employee ($millions) | 3.0998% | 5,827 |
| Cash dividends to net income (ytd only)* | 106.1350% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,744 |
| Loan loss allowance to noncurrent loans | 85.5701% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 2,960 |
| Noncurrent loans to loans | 1.5104% | 3,286 |
| Net loans and leases to total assets | 81.5671% | 304 |
| Net loans and leases to deposits | 95.1812% | 591 |
| Net loans and leases to core deposits | 138.4256% | 130 |
| Total domestic deposits to total assets | 85.6967% | 3,681 |
| Equity capital to assets | 10.5989% | 3,437 |
| Core capital (leverage) ratio | 9.6698% | 3,827 |
| Tier 1 risk-based capital ratio | 12.5723% | 5,538 |
| Total risk-based capital ratio | 13.8242% | 5,481 |
| Memoranda: | ||
| Average total assets | $577,666,500 | 1,172 |
| Average earning assets | $530,247,000 | 1,165 |
| Average equity | $61,545,000 | 1,197 |
| Average total loans | $480,292,500 | 884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 923 |
| Cost of funding earning assets | 1.0438% | 1,148 |
| Net interest margin | 4.2594% | 1,498 |
| Noninterest income to average assets | 0.5285% | 3,722 |
| Noninterest expense to average assets | 3.1467% | 2,785 |
| Loan and lease loss provision to assets | 0.1767% | 3,415 |
| Net operating income to assets | 0.8214% | 3,179 |
| Return on assets (ROA) | 0.8117% | 3,480 |
| Pretax return on assets | 1.1075% | 3,129 |
| Return on Equity (ROE) | 7.3867% | 3,413 |
| Retained earnings to average equity (ytd only) | 0.7609% | 5,483 |
| Net charge-offs to loans | 0.2078% | 3,718 |
| Credit loss provision to net charge-offs | 101.8538% | 2,963 |
| Earnings coverage of net charge-offs (x) | 7.4779% | 2,591 |
| Efficiency ratio | 70.5331% | 3,701 |
| Assets per employee ($millions) | 3.0459% | 5,943 |
| Cash dividends to net income (ytd only)* | 89.6984% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,548 |
| Loan loss allowance to noncurrent loans | 67.2467% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 2,896 |
| Noncurrent loans to loans | 1.9571% | 2,738 |
| Net loans and leases to total assets | 82.5545% | 296 |
| Net loans and leases to deposits | 98.3620% | 486 |
| Net loans and leases to core deposits | 155.6873% | 90 |
| Total domestic deposits to total assets | 83.9292% | 4,350 |
| Equity capital to assets | 10.7096% | 3,272 |
| Core capital (leverage) ratio | 9.7217% | 3,770 |
| Tier 1 risk-based capital ratio | 12.5038% | 5,479 |
| Total risk-based capital ratio | 13.7561% | 5,426 |
| Memoranda: | ||
| Average total assets | $559,657,400 | 1,188 |
| Average earning assets | $514,482,200 | 1,180 |
| Average equity | $61,502,200 | 1,158 |
| Average total loans | $467,283,600 | 880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 937 |
| Cost of funding earning assets | 1.0737% | 1,178 |
| Net interest margin | 4.2689% | 1,554 |
| Noninterest income to average assets | 0.5327% | 3,728 |
| Noninterest expense to average assets | 3.1494% | 2,719 |
| Loan and lease loss provision to assets | 0.1893% | 3,224 |
| Net operating income to assets | 0.8217% | 3,336 |
| Return on assets (ROA) | 0.8084% | 3,654 |
| Pretax return on assets | 1.1045% | 3,341 |
| Return on Equity (ROE) | 7.3081% | 3,632 |
| Retained earnings to average equity (ytd only) | 0.7202% | 5,866 |
| Net charge-offs to loans | 0.1340% | 4,048 |
| Credit loss provision to net charge-offs | 169.3133% | 1,643 |
| Earnings coverage of net charge-offs (x) | 11.7339% | 2,055 |
| Efficiency ratio | 70.3007% | 3,634 |
| Assets per employee ($millions) | 3.0830% | 5,889 |
| Cash dividends to net income (ytd only)* | 90.1454% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,494 |
| Loan loss allowance to noncurrent loans | 70.1627% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 3,057 |
| Noncurrent loans to loans | 1.9546% | 2,890 |
| Net loans and leases to total assets | 82.8695% | 289 |
| Net loans and leases to deposits | 98.4824% | 517 |
| Net loans and leases to core deposits | 158.5978% | 83 |
| Total domestic deposits to total assets | 84.1465% | 4,153 |
| Equity capital to assets | 10.7158% | 3,593 |
| Core capital (leverage) ratio | 9.6779% | 3,998 |
| Tier 1 risk-based capital ratio | 12.3154% | 5,755 |
| Total risk-based capital ratio | 13.5684% | 5,728 |
| Memoranda: | ||
| Average total assets | $555,652,250 | 1,215 |
| Average earning assets | $511,381,750 | 1,203 |
| Average equity | $61,464,500 | 1,167 |
| Average total loans | $463,708,000 | 887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 890 |
| Cost of funding earning assets | 1.1198% | 1,129 |
| Net interest margin | 4.2675% | 1,560 |
| Noninterest income to average assets | 0.5227% | 3,766 |
| Noninterest expense to average assets | 3.1857% | 2,640 |
| Loan and lease loss provision to assets | 0.1535% | 3,600 |
| Net operating income to assets | 0.8260% | 3,272 |
| Return on assets (ROA) | 0.8147% | 3,586 |
| Pretax return on assets | 1.0939% | 3,324 |
| Return on Equity (ROE) | 7.2849% | 3,623 |
| Retained earnings to average equity (ytd only) | 0.6845% | 5,786 |
| Net charge-offs to loans | 0.0727% | 4,417 |
| Credit loss provision to net charge-offs | 253.6145% | 1,131 |
| Earnings coverage of net charge-offs (x) | 20.8675% | 1,368 |
| Efficiency ratio | 71.2799% | 3,553 |
| Assets per employee ($millions) | 3.0750% | 5,900 |
| Cash dividends to net income (ytd only)* | 90.6040% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 4,543 |
| Loan loss allowance to noncurrent loans | 73.3408% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 3,299 |
| Noncurrent loans to loans | 1.8777% | 3,105 |
| Net loans and leases to total assets | 82.7730% | 282 |
| Net loans and leases to deposits | 99.3730% | 447 |
| Net loans and leases to core deposits | 158.9764% | 89 |
| Total domestic deposits to total assets | 83.2952% | 4,625 |
| Equity capital to assets | 10.8218% | 3,318 |
| Core capital (leverage) ratio | 9.9551% | 3,480 |
| Tier 1 risk-based capital ratio | 12.3732% | 5,666 |
| Total risk-based capital ratio | 13.6303% | 5,646 |
| Memoranda: | ||
| Average total assets | $548,696,000 | 1,238 |
| Average earning assets | $504,745,000 | 1,215 |
| Average equity | $61,359,670 | 1,164 |
| Average total loans | $456,809,670 | 903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 852 |
| Cost of funding earning assets | 1.2013% | 980 |
| Net interest margin | 4.2388% | 1,641 |
| Noninterest income to average assets | 0.5132% | 3,826 |
| Noninterest expense to average assets | 3.2424% | 2,466 |
| Loan and lease loss provision to assets | 0.1634% | 3,347 |
| Net operating income to assets | 0.8040% | 3,359 |
| Return on assets (ROA) | 0.7790% | 3,719 |
| Pretax return on assets | 0.9729% | 3,784 |
| Return on Equity (ROE) | 6.8497% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.2416% | 5,902 |
| Net charge-offs to loans | 0.0224% | 4,368 |
| Credit loss provision to net charge-offs | 880.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 62.8800% | 534 |
| Efficiency ratio | 73.0717% | 3,244 |
| Assets per employee ($millions) | 3.0355% | 6,088 |
| Cash dividends to net income (ytd only)* | 96.4728% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,464 |
| Loan loss allowance to noncurrent loans | 71.0934% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.7173% | 3,284 |
| Noncurrent loans to loans | 2.0132% | 3,143 |
| Net loans and leases to total assets | 81.6630% | 292 |
| Net loans and leases to deposits | 99.4615% | 390 |
| Net loans and leases to core deposits | 150.1950% | 113 |
| Total domestic deposits to total assets | 82.1051% | 5,261 |
| Equity capital to assets | 11.1585% | 2,749 |
| Core capital (leverage) ratio | 10.3375% | 2,944 |
| Tier 1 risk-based capital ratio | 12.9876% | 5,230 |
| Total risk-based capital ratio | 14.2421% | 5,196 |
| Memoranda: | ||
| Average total assets | $538,610,000 | 1,258 |
| Average earning assets | $495,134,500 | 1,246 |
| Average equity | $61,258,500 | 1,160 |
| Average total loans | $446,492,500 | 929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 733 |
| Cost of funding earning assets | 1.3097% | 1,436 |
| Net interest margin | 4.4224% | 1,338 |
| Noninterest income to average assets | 0.5599% | 3,432 |
| Noninterest expense to average assets | 3.1980% | 2,875 |
| Loan and lease loss provision to assets | 0.1156% | 5,155 |
| Net operating income to assets | 0.9234% | 2,514 |
| Return on assets (ROA) | 0.9175% | 2,650 |
| Pretax return on assets | 1.2882% | 2,177 |
| Return on Equity (ROE) | 7.9087% | 2,958 |
| Retained earnings to average equity (ytd only) | 3.7219% | 3,562 |
| Net charge-offs to loans | 0.0866% | 5,464 |
| Credit loss provision to net charge-offs | 163.4877% | 1,674 |
| Earnings coverage of net charge-offs (x) | 19.9782% | 1,150 |
| Efficiency ratio | 68.7179% | 4,205 |
| Assets per employee ($millions) | 2.9160% | 6,263 |
| Cash dividends to net income (ytd only)* | 52.9387% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,273 |
| Loan loss allowance to noncurrent loans | 76.4763% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6133% | 3,536 |
| Noncurrent loans to loans | 1.8876% | 3,357 |
| Net loans and leases to total assets | 81.7501% | 357 |
| Net loans and leases to deposits | 101.3802% | 399 |
| Net loans and leases to core deposits | 148.4790% | 137 |
| Total domestic deposits to total assets | 80.6372% | 5,553 |
| Equity capital to assets | 11.5972% | 2,426 |
| Core capital (leverage) ratio | 10.5098% | 2,723 |
| Tier 1 risk-based capital ratio | 13.4464% | 4,738 |
| Total risk-based capital ratio | 14.7002% | 4,701 |
| Memoranda: | ||
| Average total assets | $519,237,000 | 1,290 |
| Average earning assets | $475,535,800 | 1,288 |
| Average equity | $60,237,400 | 1,119 |
| Average total loans | $423,868,600 | 988 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 774 |
| Cost of funding earning assets | 1.3335% | 1,535 |
| Net interest margin | 4.4166% | 1,361 |
| Noninterest income to average assets | 0.5675% | 3,391 |
| Noninterest expense to average assets | 3.1875% | 2,862 |
| Loan and lease loss provision to assets | 0.1289% | 4,818 |
| Net operating income to assets | 0.9240% | 2,655 |
| Return on assets (ROA) | 0.9135% | 2,820 |
| Pretax return on assets | 1.2810% | 2,357 |
| Return on Equity (ROE) | 7.8739% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.6781% | 3,399 |
| Net charge-offs to loans | 0.0514% | 5,466 |
| Credit loss provision to net charge-offs | 308.6420% | 919 |
| Earnings coverage of net charge-offs (x) | 34.1057% | 856 |
| Efficiency ratio | 68.4575% | 4,226 |
| Assets per employee ($millions) | 2.9473% | 6,235 |
| Cash dividends to net income (ytd only)* | 40.5872% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 4,160 |
| Loan loss allowance to noncurrent loans | 100.6107% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 4,346 |
| Noncurrent loans to loans | 1.4793% | 4,082 |
| Net loans and leases to total assets | 80.6122% | 457 |
| Net loans and leases to deposits | 99.8619% | 479 |
| Net loans and leases to core deposits | 145.3781% | 154 |
| Total domestic deposits to total assets | 80.7236% | 5,523 |
| Equity capital to assets | 11.6330% | 2,555 |
| Core capital (leverage) ratio | 10.5248% | 2,842 |
| Tier 1 risk-based capital ratio | 13.5472% | 4,703 |
| Total risk-based capital ratio | 14.8014% | 4,666 |
| Memoranda: | ||
| Average total assets | $517,096,250 | 1,301 |
| Average earning assets | $473,534,750 | 1,298 |
| Average equity | $59,994,250 | 1,128 |
| Average total loans | $420,386,500 | 1,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 831 |
| Cost of funding earning assets | 1.3533% | 1,631 |
| Net interest margin | 4.3750% | 1,452 |
| Noninterest income to average assets | 0.5623% | 3,381 |
| Noninterest expense to average assets | 3.2129% | 2,854 |
| Loan and lease loss provision to assets | 0.1363% | 4,603 |
| Net operating income to assets | 0.8753% | 2,746 |
| Return on assets (ROA) | 0.8882% | 2,797 |
| Pretax return on assets | 1.2367% | 2,357 |
| Return on Equity (ROE) | 7.6627% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,365 |
| Net charge-offs to loans | 0.0754% | 4,891 |
| Credit loss provision to net charge-offs | 222.9299% | 1,343 |
| Earnings coverage of net charge-offs (x) | 22.1656% | 1,126 |
| Efficiency ratio | 69.6701% | 4,175 |
| Assets per employee ($millions) | 2.9441% | 6,211 |
| Cash dividends to net income (ytd only)* | 41.9991% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 4,262 |
| Loan loss allowance to noncurrent loans | 96.9435% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 4,291 |
| Noncurrent loans to loans | 1.5148% | 4,154 |
| Net loans and leases to total assets | 80.8597% | 460 |
| Net loans and leases to deposits | 100.9495% | 450 |
| Net loans and leases to core deposits | 151.6116% | 139 |
| Total domestic deposits to total assets | 80.0992% | 5,794 |
| Equity capital to assets | 11.5892% | 2,421 |
| Core capital (leverage) ratio | 10.5432% | 2,669 |
| Tier 1 risk-based capital ratio | 13.0380% | 4,887 |
| Total risk-based capital ratio | 14.3044% | 4,856 |
| Memoranda: | ||
| Average total assets | $513,609,000 | 1,313 |
| Average earning assets | $470,261,330 | 1,314 |
| Average equity | $59,535,330 | 1,123 |
| Average total loans | $416,615,000 | 1,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 813 |
| Cost of funding earning assets | 1.3666% | 1,793 |
| Net interest margin | 4.3742% | 1,356 |
| Noninterest income to average assets | 0.5366% | 3,606 |
| Noninterest expense to average assets | 3.1899% | 2,928 |
| Loan and lease loss provision to assets | 0.1177% | 4,536 |
| Net operating income to assets | 0.8812% | 2,659 |
| Return on assets (ROA) | 0.9281% | 2,512 |
| Pretax return on assets | 1.2968% | 2,052 |
| Return on Equity (ROE) | 8.0058% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.7642% | 3,330 |
| Net charge-offs to loans | -0.0214% | 6,587 |
| Credit loss provision to net charge-offs | -681.8182% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5990% | 4,354 |
| Assets per employee ($millions) | 3.0402% | 6,077 |
| Cash dividends to net income (ytd only)* | 40.4903% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 4,167 |
| Loan loss allowance to noncurrent loans | 100.0960% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 4,372 |
| Noncurrent loans to loans | 1.5076% | 4,212 |
| Net loans and leases to total assets | 79.9837% | 510 |
| Net loans and leases to deposits | 101.3320% | 410 |
| Net loans and leases to core deposits | 150.4972% | 147 |
| Total domestic deposits to total assets | 78.9324% | 6,207 |
| Equity capital to assets | 11.6425% | 2,167 |
| Core capital (leverage) ratio | 10.5527% | 2,557 |
| Tier 1 risk-based capital ratio | 13.2097% | 4,657 |
| Total risk-based capital ratio | 14.4689% | 4,632 |
| Memoranda: | ||
| Average total assets | $509,864,000 | 1,323 |
| Average earning assets | $466,558,000 | 1,326 |
| Average equity | $59,107,500 | 1,121 |
| Average total loans | $411,103,000 | 1,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 910 |
| Cost of funding earning assets | 1.4915% | 2,696 |
| Net interest margin | 4.4753% | 1,285 |
| Noninterest income to average assets | 0.5918% | 3,532 |
| Noninterest expense to average assets | 3.0909% | 3,499 |
| Loan and lease loss provision to assets | 0.2395% | 4,889 |
| Net operating income to assets | 0.9846% | 2,090 |
| Return on assets (ROA) | 0.9817% | 2,215 |
| Pretax return on assets | 1.3492% | 1,804 |
| Return on Equity (ROE) | 8.5517% | 2,477 |
| Retained earnings to average equity (ytd only) | 4.3219% | 2,814 |
| Net charge-offs to loans | 0.3145% | 4,449 |
| Credit loss provision to net charge-offs | 95.5414% | 4,871 |
| Earnings coverage of net charge-offs (x) | 6.3535% | 2,377 |
| Efficiency ratio | 65.2192% | 5,121 |
| Assets per employee ($millions) | 3.0296% | 6,036 |
| Cash dividends to net income (ytd only)* | 49.4613% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 4,047 |
| Loan loss allowance to noncurrent loans | 74.6230% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,790 |
| Noncurrent loans to loans | 2.0021% | 3,559 |
| Net loans and leases to total assets | 78.8527% | 827 |
| Net loans and leases to deposits | 99.5898% | 603 |
| Net loans and leases to core deposits | 143.8877% | 200 |
| Total domestic deposits to total assets | 79.1775% | 6,040 |
| Equity capital to assets | 11.5429% | 2,227 |
| Core capital (leverage) ratio | 10.6295% | 2,434 |
| Tier 1 risk-based capital ratio | 13.0751% | 4,543 |
| Total risk-based capital ratio | 14.3283% | 4,499 |
| Memoranda: | ||
| Average total assets | $501,053,400 | 1,338 |
| Average earning assets | $458,117,200 | 1,338 |
| Average equity | $57,520,600 | 1,154 |
| Average total loans | $399,355,600 | 1,132 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0191% | 903 |
| Cost of funding earning assets | 1.5092% | 2,919 |
| Net interest margin | 4.5098% | 1,238 |
| Noninterest income to average assets | 0.6118% | 3,368 |
| Noninterest expense to average assets | 3.0870% | 3,392 |
| Loan and lease loss provision to assets | 0.2805% | 4,332 |
| Net operating income to assets | 0.9981% | 2,240 |
| Return on assets (ROA) | 0.9938% | 2,374 |
| Pretax return on assets | 1.3617% | 2,002 |
| Return on Equity (ROE) | 8.6691% | 2,621 |
| Retained earnings to average equity (ytd only) | 4.1225% | 3,569 |
| Net charge-offs to loans | 0.3752% | 3,802 |
| Credit loss provision to net charge-offs | 93.9177% | 4,615 |
| Earnings coverage of net charge-offs (x) | 5.5179% | 2,732 |
| Efficiency ratio | 64.4268% | 5,168 |
| Assets per employee ($millions) | 3.0074% | 6,129 |
| Cash dividends to net income (ytd only)* | 52.4462% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,869 |
| Loan loss allowance to noncurrent loans | 74.3847% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 3,832 |
| Noncurrent loans to loans | 2.0439% | 3,628 |
| Net loans and leases to total assets | 79.3023% | 851 |
| Net loans and leases to deposits | 101.9366% | 538 |
| Net loans and leases to core deposits | 145.1929% | 218 |
| Total domestic deposits to total assets | 77.7957% | 6,294 |
| Equity capital to assets | 11.7891% | 2,293 |
| Core capital (leverage) ratio | 10.3382% | 2,873 |
| Tier 1 risk-based capital ratio | 13.1286% | 4,474 |
| Total risk-based capital ratio | 14.3822% | 4,454 |
| Memoranda: | ||
| Average total assets | $499,072,250 | 1,356 |
| Average earning assets | $456,295,250 | 1,355 |
| Average equity | $57,213,000 | 1,164 |
| Average total loans | $397,337,000 | 1,145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9870% | 975 |
| Cost of funding earning assets | 1.5001% | 3,258 |
| Net interest margin | 4.4868% | 1,228 |
| Noninterest income to average assets | 0.6048% | 3,305 |
| Noninterest expense to average assets | 3.0090% | 3,681 |
| Loan and lease loss provision to assets | 0.3000% | 3,993 |
| Net operating income to assets | 1.0220% | 2,109 |
| Return on assets (ROA) | 1.0155% | 2,209 |
| Pretax return on assets | 1.3915% | 1,859 |
| Return on Equity (ROE) | 8.9426% | 2,493 |
| Retained earnings to average equity (ytd only) | 4.1173% | 3,452 |
| Net charge-offs to loans | 0.2875% | 3,899 |
| Credit loss provision to net charge-offs | 131.5789% | 3,059 |
| Earnings coverage of net charge-offs (x) | 7.4579% | 2,295 |
| Efficiency ratio | 63.1221% | 5,498 |
| Assets per employee ($millions) | 3.1951% | 5,697 |
| Cash dividends to net income (ytd only)* | 53.9583% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,630 |
| Loan loss allowance to noncurrent loans | 73.4464% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 3,669 |
| Noncurrent loans to loans | 2.1212% | 3,567 |
| Net loans and leases to total assets | 78.6438% | 1,018 |
| Net loans and leases to deposits | 100.6601% | 668 |
| Net loans and leases to core deposits | 148.8257% | 222 |
| Total domestic deposits to total assets | 78.1281% | 6,242 |
| Equity capital to assets | 11.3863% | 2,533 |
| Core capital (leverage) ratio | 10.1853% | 2,954 |
| Tier 1 risk-based capital ratio | 12.7113% | 4,680 |
| Total risk-based capital ratio | 13.9653% | 4,648 |
| Memoranda: | ||
| Average total assets | $500,025,000 | 1,358 |
| Average earning assets | $457,426,330 | 1,356 |
| Average equity | $56,784,330 | 1,161 |
| Average total loans | $396,588,000 | 1,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9613% | 1,052 |
| Cost of funding earning assets | 1.5168% | 3,446 |
| Net interest margin | 4.4446% | 1,261 |
| Noninterest income to average assets | 0.5669% | 3,508 |
| Noninterest expense to average assets | 3.0829% | 3,336 |
| Loan and lease loss provision to assets | 0.2822% | 3,772 |
| Net operating income to assets | 0.9371% | 2,404 |
| Return on assets (ROA) | 0.9282% | 2,499 |
| Pretax return on assets | 1.2588% | 2,180 |
| Return on Equity (ROE) | 8.1843% | 2,792 |
| Retained earnings to average equity (ytd only) | 1.6354% | 5,120 |
| Net charge-offs to loans | 0.4296% | 2,756 |
| Credit loss provision to net charge-offs | 83.1354% | 3,809 |
| Earnings coverage of net charge-offs (x) | 4.5748% | 2,600 |
| Efficiency ratio | 65.7158% | 5,175 |
| Assets per employee ($millions) | 3.1477% | 5,888 |
| Cash dividends to net income (ytd only)* | 80.0174% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 3,681 |
| Loan loss allowance to noncurrent loans | 67.5117% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9896% | 3,516 |
| Noncurrent loans to loans | 2.2876% | 3,405 |
| Net loans and leases to total assets | 77.8343% | 1,183 |
| Net loans and leases to deposits | 100.1625% | 740 |
| Net loans and leases to core deposits | 146.0009% | 264 |
| Total domestic deposits to total assets | 77.7080% | 6,390 |
| Equity capital to assets | 11.3893% | 2,439 |
| Core capital (leverage) ratio | 10.1618% | 2,968 |
| Tier 1 risk-based capital ratio | 12.8668% | 4,425 |
| Total risk-based capital ratio | 14.1205% | 4,399 |
| Memoranda: | ||
| Average total assets | $496,027,000 | 1,401 |
| Average earning assets | $454,127,000 | 1,393 |
| Average equity | $56,254,000 | 1,179 |
| Average total loans | $391,957,000 | 1,206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1821% | 1,287 |
| Cost of funding earning assets | 1.7744% | 4,130 |
| Net interest margin | 4.4077% | 1,413 |
| Noninterest income to average assets | 0.6392% | 3,360 |
| Noninterest expense to average assets | 2.9591% | 4,308 |
| Loan and lease loss provision to assets | 0.6277% | 3,296 |
| Net operating income to assets | 0.8197% | 2,452 |
| Return on assets (ROA) | 0.8179% | 2,549 |
| Pretax return on assets | 1.0868% | 2,288 |
| Return on Equity (ROE) | 7.4913% | 2,583 |
| Retained earnings to average equity (ytd only) | 4.2693% | 2,236 |
| Net charge-offs to loans | 0.4832% | 3,839 |
| Credit loss provision to net charge-offs | 166.5557% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.5552% | 2,906 |
| Efficiency ratio | 62.4704% | 6,062 |
| Assets per employee ($millions) | 3.1511% | 5,855 |
| Cash dividends to net income (ytd only)* | 43.0105% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,391 |
| Loan loss allowance to noncurrent loans | 58.6500% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.1544% | 3,194 |
| Noncurrent loans to loans | 2.6805% | 2,862 |
| Net loans and leases to total assets | 77.7415% | 1,441 |
| Net loans and leases to deposits | 98.9661% | 1,003 |
| Net loans and leases to core deposits | 109.3794% | 2,966 |
| Total domestic deposits to total assets | 78.5536% | 6,106 |
| Equity capital to assets | 11.2923% | 2,469 |
| Core capital (leverage) ratio | 10.2714% | 2,810 |
| Tier 1 risk-based capital ratio | 12.8408% | 4,250 |
| Total risk-based capital ratio | 14.0950% | 4,204 |
| Memoranda: | ||
| Average total assets | $478,396,400 | 1,447 |
| Average earning assets | $438,120,800 | 1,444 |
| Average equity | $52,233,600 | 1,274 |
| Average total loans | $373,127,800 | 1,286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2215% | 1,318 |
| Cost of funding earning assets | 1.8148% | 4,316 |
| Net interest margin | 4.4068% | 1,424 |
| Noninterest income to average assets | 0.6432% | 3,397 |
| Noninterest expense to average assets | 2.9091% | 4,420 |
| Loan and lease loss provision to assets | 0.6670% | 2,740 |
| Net operating income to assets | 0.8291% | 2,698 |
| Return on assets (ROA) | 0.8287% | 2,760 |
| Pretax return on assets | 1.1033% | 2,551 |
| Return on Equity (ROE) | 7.6581% | 2,792 |
| Retained earnings to average equity (ytd only) | 4.3798% | 2,826 |
| Net charge-offs to loans | 0.4954% | 3,241 |
| Credit loss provision to net charge-offs | 173.2117% | 2,674 |
| Earnings coverage of net charge-offs (x) | 4.5985% | 3,078 |
| Efficiency ratio | 61.3430% | 6,219 |
| Assets per employee ($millions) | 3.1289% | 5,834 |
| Cash dividends to net income (ytd only)* | 42.8085% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,218 |
| Loan loss allowance to noncurrent loans | 65.2188% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 3,570 |
| Noncurrent loans to loans | 2.3659% | 3,190 |
| Net loans and leases to total assets | 77.2348% | 1,732 |
| Net loans and leases to deposits | 99.3436% | 1,173 |
| Net loans and leases to core deposits | 110.1261% | 3,222 |
| Total domestic deposits to total assets | 77.7451% | 6,157 |
| Equity capital to assets | 11.3141% | 2,735 |
| Core capital (leverage) ratio | 10.1380% | 3,132 |
| Tier 1 risk-based capital ratio | 12.9180% | 4,252 |
| Total risk-based capital ratio | 14.1695% | 4,184 |
| Memoranda: | ||
| Average total assets | $474,316,000 | 1,477 |
| Average earning assets | $434,502,250 | 1,467 |
| Average equity | $51,325,750 | 1,318 |
| Average total loans | $368,723,750 | 1,319 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2445% | 1,347 |
| Cost of funding earning assets | 1.8870% | 4,333 |
| Net interest margin | 4.3575% | 1,504 |
| Noninterest income to average assets | 0.6410% | 3,407 |
| Noninterest expense to average assets | 2.9308% | 4,378 |
| Loan and lease loss provision to assets | 0.6299% | 2,539 |
| Net operating income to assets | 0.8048% | 2,836 |
| Return on assets (ROA) | 0.8048% | 2,931 |
| Pretax return on assets | 1.0694% | 2,739 |
| Return on Equity (ROE) | 7.5580% | 2,944 |
| Retained earnings to average equity (ytd only) | 4.1837% | 2,972 |
| Net charge-offs to loans | 0.4907% | 2,863 |
| Credit loss provision to net charge-offs | 165.6566% | 2,768 |
| Earnings coverage of net charge-offs (x) | 4.4691% | 3,088 |
| Efficiency ratio | 62.4608% | 6,175 |
| Assets per employee ($millions) | 3.1289% | 5,782 |
| Cash dividends to net income (ytd only)* | 44.6448% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,353 |
| Loan loss allowance to noncurrent loans | 62.1263% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8385% | 3,415 |
| Noncurrent loans to loans | 2.3649% | 3,062 |
| Net loans and leases to total assets | 76.4417% | 2,070 |
| Net loans and leases to deposits | 101.2274% | 1,153 |
| Net loans and leases to core deposits | 112.6281% | 3,062 |
| Total domestic deposits to total assets | 75.5149% | 6,657 |
| Equity capital to assets | 11.1206% | 2,819 |
| Core capital (leverage) ratio | 10.3390% | 2,960 |
| Tier 1 risk-based capital ratio | 12.9915% | 4,151 |
| Total risk-based capital ratio | 14.2386% | 4,076 |
| Memoranda: | ||
| Average total assets | $468,673,000 | 1,514 |
| Average earning assets | $429,052,000 | 1,503 |
| Average equity | $49,907,670 | 1,378 |
| Average total loans | $363,179,000 | 1,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2680% | 1,392 |
| Cost of funding earning assets | 2.0010% | 4,122 |
| Net interest margin | 4.2669% | 1,682 |
| Noninterest income to average assets | 0.6410% | 3,262 |
| Noninterest expense to average assets | 3.0530% | 3,548 |
| Loan and lease loss provision to assets | 0.4968% | 2,489 |
| Net operating income to assets | 0.7122% | 3,496 |
| Return on assets (ROA) | 0.7122% | 3,691 |
| Pretax return on assets | 0.9954% | 3,360 |
| Return on Equity (ROE) | 6.8482% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.8417% | 3,753 |
| Net charge-offs to loans | -0.0034% | 7,143 |
| Credit loss provision to net charge-offs | -19,066.6667% | 6,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2908% | 5,270 |
| Assets per employee ($millions) | 3.0298% | 6,072 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 2,726 |
| Loan loss allowance to noncurrent loans | 67.8888% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.7810% | 3,249 |
| Noncurrent loans to loans | 2.2818% | 2,880 |
| Net loans and leases to total assets | 76.6534% | 2,127 |
| Net loans and leases to deposits | 102.1018% | 1,171 |
| Net loans and leases to core deposits | 114.5452% | 2,950 |
| Total domestic deposits to total assets | 75.0755% | 6,698 |
| Equity capital to assets | 11.6171% | 2,507 |
| Core capital (leverage) ratio | 10.3576% | 3,059 |
| Tier 1 risk-based capital ratio | 13.5786% | 3,813 |
| Total risk-based capital ratio | 14.8329% | 3,735 |
| Memoranda: | ||
| Average total assets | $460,523,500 | 1,549 |
| Average earning assets | $421,380,500 | 1,546 |
| Average equity | $47,895,500 | 1,436 |
| Average total loans | $356,644,000 | 1,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8839% | 1,448 |
| Cost of funding earning assets | 2.6391% | 3,491 |
| Net interest margin | 4.2449% | 2,132 |
| Noninterest income to average assets | 0.6321% | 3,616 |
| Noninterest expense to average assets | 2.7235% | 5,161 |
| Loan and lease loss provision to assets | 0.2818% | 4,136 |
| Net operating income to assets | 1.2175% | 1,719 |
| Return on assets (ROA) | 0.5044% | 4,557 |
| Pretax return on assets | 0.6231% | 4,618 |
| Return on Equity (ROE) | 5.4437% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.1585% | 3,882 |
| Net charge-offs to loans | 0.1082% | 5,201 |
| Credit loss provision to net charge-offs | 341.8667% | 1,325 |
| Earnings coverage of net charge-offs (x) | 21.6587% | 1,522 |
| Efficiency ratio | 59.5184% | 6,432 |
| Assets per employee ($millions) | 3.0903% | 5,803 |
| Cash dividends to net income (ytd only)* | 60.3486% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 3,296 |
| Loan loss allowance to noncurrent loans | 93.1938% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 3,840 |
| Noncurrent loans to loans | 1.4854% | 3,577 |
| Net loans and leases to total assets | 75.9659% | 2,633 |
| Net loans and leases to deposits | 99.8718% | 1,844 |
| Net loans and leases to core deposits | 111.3514% | 3,629 |
| Total domestic deposits to total assets | 76.0634% | 6,223 |
| Equity capital to assets | 9.1992% | 5,083 |
| Core capital (leverage) ratio | 7.9298% | 6,601 |
| Tier 1 risk-based capital ratio | 10.4937% | 6,214 |
| Total risk-based capital ratio | 11.7458% | 6,092 |
| Memoranda: | ||
| Average total assets | $454,963,800 | 1,508 |
| Average earning assets | $415,490,000 | 1,505 |
| Average equity | $42,159,000 | 1,585 |
| Average total loans | $346,460,000 | 1,401 |