Home > Kirkpatrick Bank > Performance and Condition Ratios
Kirkpatrick Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 1,784 |
| Cost of funding earning assets | 1.7135% | 1,423 |
| Net interest margin | 3.4206% | 2,361 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.2043% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5600% | 918 |
| Return on assets (ROA) | 0.7590% | 2,989 |
| Pretax return on assets | 0.7590% | 3,317 |
| Return on Equity (ROE) | 12.4900% | 1,840 |
| Retained earnings to average equity (ytd only) | -11.9494% | 4,479 |
| Net charge-offs to loans | -0.0923% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5583% | 3,236 |
| Assets per employee ($millions) | 8.2959% | 1,283 |
| Cash dividends to net income (ytd only)* | 195.6919% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 266 |
| Loan loss allowance to noncurrent loans | 6,768.2819% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,552 |
| Noncurrent loans to loans | 0.0331% | 3,498 |
| Net loans and leases to total assets | 69.1100% | 1,909 |
| Net loans and leases to deposits | 79.0156% | 2,186 |
| Net loans and leases to core deposits | 90.7024% | 2,001 |
| Total domestic deposits to total assets | 87.4700% | 1,532 |
| Equity capital to assets | 6.4761% | 4,125 |
| Core capital (leverage) ratio | 10.1101% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6271% | 1,648 |
| Memoranda: | ||
| Average total assets | $993,919,200 | 993 |
| Average earning assets | $967,329,400 | 939 |
| Average equity | $60,413,000 | 1,392 |
| Average total loans | $638,297,000 | 1,042 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 1,791 |
| Cost of funding earning assets | 1.5768% | 1,415 |
| Net interest margin | 3.4437% | 2,353 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.2020% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6565% | 851 |
| Return on assets (ROA) | 1.3931% | 1,322 |
| Pretax return on assets | 1.3931% | 1,796 |
| Return on Equity (ROE) | 23.2900% | 474 |
| Retained earnings to average equity (ytd only) | 11.7363% | 1,018 |
| Net charge-offs to loans | -0.1269% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.0683% | 3,308 |
| Assets per employee ($millions) | 8.4012% | 1,162 |
| Cash dividends to net income (ytd only)* | 49.6075% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3997% | 233 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.1500% | 2,428 |
| Net loans and leases to deposits | 72.0146% | 2,710 |
| Net loans and leases to core deposits | 74.2870% | 2,981 |
| Total domestic deposits to total assets | 89.0800% | 1,219 |
| Equity capital to assets | 5.6863% | 4,086 |
| Core capital (leverage) ratio | 11.0869% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9243% | 1,117 |
| Memoranda: | ||
| Average total assets | $999,745,000 | 987 |
| Average earning assets | $973,313,000 | 933 |
| Average equity | $59,801,750 | 1,387 |
| Average total loans | $626,321,750 | 1,055 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 1,917 |
| Cost of funding earning assets | 1.4808% | 1,282 |
| Net interest margin | 3.3540% | 2,630 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.1640% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7563% | 705 |
| Return on assets (ROA) | 1.3645% | 1,396 |
| Pretax return on assets | 1.3645% | 1,904 |
| Return on Equity (ROE) | 22.4500% | 516 |
| Retained earnings to average equity (ytd only) | 10.4335% | 1,299 |
| Net charge-offs to loans | -0.1721% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.1996% | 3,512 |
| Assets per employee ($millions) | 8.1452% | 1,252 |
| Cash dividends to net income (ytd only)* | 53.5330% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4527% | 234 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.3500% | 2,448 |
| Net loans and leases to deposits | 70.5773% | 2,740 |
| Net loans and leases to core deposits | 72.4075% | 2,993 |
| Total domestic deposits to total assets | 89.7600% | 989 |
| Equity capital to assets | 6.6791% | 3,917 |
| Core capital (leverage) ratio | 10.9016% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9471% | 1,133 |
| Memoranda: | ||
| Average total assets | $1,008,145,667 | 969 |
| Average earning assets | $982,180,000 | 911 |
| Average equity | $61,264,000 | 1,365 |
| Average total loans | $621,581,000 | 1,047 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,827 |
| Cost of funding earning assets | 1.3887% | 1,045 |
| Net interest margin | 3.3202% | 2,832 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 2.1294% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1267% | 415 |
| Return on assets (ROA) | 1.3609% | 1,478 |
| Pretax return on assets | 1.3609% | 1,984 |
| Return on Equity (ROE) | 23.4800% | 481 |
| Retained earnings to average equity (ytd only) | 15.4853% | 741 |
| Net charge-offs to loans | -0.3489% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.0319% | 3,932 |
| Assets per employee ($millions) | 8.7069% | 1,046 |
| Cash dividends to net income (ytd only)* | 34.0456% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5025% | 219 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.0800% | 2,865 |
| Net loans and leases to deposits | 63.8010% | 3,108 |
| Net loans and leases to core deposits | 67.2429% | 3,147 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 6.3048% | 4,107 |
| Core capital (leverage) ratio | 10.2456% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7168% | 1,205 |
| Memoranda: | ||
| Average total assets | $1,031,654,000 | 959 |
| Average earning assets | $1,006,433,000 | 914 |
| Average equity | $59,798,500 | 1,397 |
| Average total loans | $620,271,000 | 1,061 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 3,236 |
| Cost of funding earning assets | 0.4207% | 1,934 |
| Net interest margin | 3.0195% | 3,400 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.8926% | 3,841 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.4705% | 959 |
| Return on assets (ROA) | 1.1536% | 1,896 |
| Pretax return on assets | 1.1536% | 2,591 |
| Return on Equity (ROE) | 19.4100% | 530 |
| Retained earnings to average equity (ytd only) | 9.5809% | 1,289 |
| Net charge-offs to loans | -0.5557% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.5012% | 3,266 |
| Assets per employee ($millions) | 8.4909% | 1,094 |
| Cash dividends to net income (ytd only)* | 50.6304% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3508% | 245 |
| Loan loss allowance to noncurrent loans | 3,357.9545% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,379 |
| Noncurrent loans to loans | 0.0700% | 3,251 |
| Net loans and leases to total assets | 59.2500% | 2,706 |
| Net loans and leases to deposits | 64.1967% | 3,024 |
| Net loans and leases to core deposits | 66.5413% | 3,092 |
| Total domestic deposits to total assets | 92.2900% | 565 |
| Equity capital to assets | 5.2921% | 4,291 |
| Core capital (leverage) ratio | 9.9617% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0652% | 1,357 |
| Memoranda: | ||
| Average total assets | $1,100,070,800 | 902 |
| Average earning assets | $1,077,993,800 | 864 |
| Average equity | $65,390,400 | 1,318 |
| Average total loans | $619,724,000 | 1,015 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1350% | 3,592 |
| Cost of funding earning assets | 0.2631% | 2,567 |
| Net interest margin | 2.8719% | 3,565 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.8093% | 3,973 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 1.4371% | 989 |
| Return on assets (ROA) | 1.4413% | 954 |
| Pretax return on assets | 1.4413% | 1,593 |
| Return on Equity (ROE) | 23.6400% | 229 |
| Retained earnings to average equity (ytd only) | 11.7391% | 855 |
| Net charge-offs to loans | -0.7440% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.7852% | 3,290 |
| Assets per employee ($millions) | 9.2659% | 812 |
| Cash dividends to net income (ytd only)* | 50.3523% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3716% | 258 |
| Loan loss allowance to noncurrent loans | 219.1988% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 819 |
| Noncurrent loans to loans | 1.0819% | 694 |
| Net loans and leases to total assets | 58.0900% | 2,688 |
| Net loans and leases to deposits | 62.5456% | 2,981 |
| Net loans and leases to core deposits | 65.0131% | 3,025 |
| Total domestic deposits to total assets | 92.8700% | 615 |
| Equity capital to assets | 4.0121% | 4,476 |
| Core capital (leverage) ratio | 9.5839% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0556% | 1,412 |
| Memoranda: | ||
| Average total assets | $1,116,115,750 | 898 |
| Average earning assets | $1,095,141,500 | 862 |
| Average equity | $68,033,000 | 1,292 |
| Average total loans | $617,528,750 | 1,013 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8490% | 3,894 |
| Cost of funding earning assets | 0.1824% | 3,151 |
| Net interest margin | 2.6666% | 3,780 |
| Noninterest income to average assets | 0.2163% | 3,910 |
| Noninterest expense to average assets | 1.7331% | 4,087 |
| Loan and lease loss provision to assets | -0.2483% | 4,707 |
| Net operating income to assets | 1.3494% | 1,023 |
| Return on assets (ROA) | 1.3556% | 993 |
| Pretax return on assets | 1.3556% | 1,570 |
| Return on Equity (ROE) | 20.1309% | 299 |
| Retained earnings to average equity (ytd only) | 9.1099% | 1,253 |
| Net charge-offs to loans | -1.0070% | 4,718 |
| Credit loss provision to net charge-offs | 45.6129% | 1,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1472% | 3,162 |
| Assets per employee ($millions) | 9.5939% | 735 |
| Cash dividends to net income (ytd only)* | 54.7468% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3557% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.7267% | 2,994 |
| Net loans and leases to deposits | 57.8843% | 3,236 |
| Net loans and leases to core deposits | 60.9848% | 3,193 |
| Total domestic deposits to total assets | 92.8174% | 559 |
| Equity capital to assets | 5.1844% | 4,435 |
| Core capital (leverage) ratio | 9.2989% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9043% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,139,140,000 | 884 |
| Average earning assets | $1,118,347,000 | 855 |
| Average equity | $76,708,000 | 1,205 |
| Average total loans | $615,718,000 | 1,005 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6985% | 3,953 |
| Cost of funding earning assets | 0.1763% | 3,140 |
| Net interest margin | 2.5222% | 3,858 |
| Noninterest income to average assets | 0.2131% | 3,881 |
| Noninterest expense to average assets | 1.6507% | 4,213 |
| Loan and lease loss provision to assets | -0.4919% | 4,758 |
| Net operating income to assets | 1.5319% | 590 |
| Return on assets (ROA) | 1.5319% | 584 |
| Pretax return on assets | 1.5319% | 958 |
| Return on Equity (ROE) | 20.4748% | 218 |
| Retained earnings to average equity (ytd only) | 10.2119% | 972 |
| Net charge-offs to loans | -0.9653% | 4,741 |
| Credit loss provision to net charge-offs | 95.1007% | 1,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3469% | 3,344 |
| Assets per employee ($millions) | 9.9958% | 680 |
| Cash dividends to net income (ytd only)* | 50.1246% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.4428% | 2,703 |
| Net loans and leases to deposits | 59.7797% | 2,922 |
| Net loans and leases to core deposits | 61.9439% | 2,976 |
| Total domestic deposits to total assets | 91.0724% | 999 |
| Equity capital to assets | 6.4777% | 4,432 |
| Core capital (leverage) ratio | 9.0394% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5625% | 1,626 |
| Memoranda: | ||
| Average total assets | $1,152,261,000 | 885 |
| Average earning assets | $1,131,884,000 | 849 |
| Average equity | $86,213,500 | 1,131 |
| Average total loans | $617,403,000 | 997 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0273% | 3,820 |
| Cost of funding earning assets | 0.2190% | 3,271 |
| Net interest margin | 2.8082% | 3,644 |
| Noninterest income to average assets | 0.3237% | 3,468 |
| Noninterest expense to average assets | 1.8755% | 3,982 |
| Loan and lease loss provision to assets | 0.0229% | 2,606 |
| Net operating income to assets | 1.1826% | 1,979 |
| Return on assets (ROA) | 1.1878% | 2,028 |
| Pretax return on assets | 1.1878% | 2,702 |
| Return on Equity (ROE) | 12.5466% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.8919% | 2,826 |
| Net charge-offs to loans | -0.0121% | 3,806 |
| Credit loss provision to net charge-offs | -306.4103% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8744% | 3,015 |
| Assets per employee ($millions) | 10.8796% | 527 |
| Cash dividends to net income (ytd only)* | 61.0100% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.5797% | 3,212 |
| Net loans and leases to deposits | 56.8308% | 3,349 |
| Net loans and leases to core deposits | 60.4481% | 3,287 |
| Total domestic deposits to total assets | 89.0005% | 1,517 |
| Equity capital to assets | 8.4477% | 4,086 |
| Core capital (leverage) ratio | 9.1299% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6763% | 1,619 |
| Memoranda: | ||
| Average total assets | $1,045,253,400 | 931 |
| Average earning assets | $1,026,274,000 | 885 |
| Average equity | $98,959,200 | 1,019 |
| Average total loans | $645,201,200 | 939 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 3,708 |
| Cost of funding earning assets | 0.2339% | 3,272 |
| Net interest margin | 2.9134% | 3,526 |
| Noninterest income to average assets | 0.3621% | 3,285 |
| Noninterest expense to average assets | 1.9399% | 3,837 |
| Loan and lease loss provision to assets | 0.0248% | 2,498 |
| Net operating income to assets | 1.2560% | 1,966 |
| Return on assets (ROA) | 1.2632% | 2,003 |
| Pretax return on assets | 1.2632% | 2,724 |
| Return on Equity (ROE) | 12.9387% | 1,711 |
| Retained earnings to average equity (ytd only) | 4.4684% | 3,418 |
| Net charge-offs to loans | -0.0177% | 3,925 |
| Credit loss provision to net charge-offs | -216.0920% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2330% | 2,952 |
| Assets per employee ($millions) | 9.6236% | 735 |
| Cash dividends to net income (ytd only)* | 65.4648% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 635 |
| Loan loss allowance to noncurrent loans | 1,079.6769% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,374 |
| Noncurrent loans to loans | 0.1851% | 3,206 |
| Net loans and leases to total assets | 58.3021% | 2,448 |
| Net loans and leases to deposits | 66.4752% | 2,585 |
| Net loans and leases to core deposits | 72.0148% | 2,422 |
| Total domestic deposits to total assets | 87.7051% | 2,005 |
| Equity capital to assets | 9.4097% | 3,462 |
| Core capital (leverage) ratio | 9.5271% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5974% | 1,764 |
| Memoranda: | ||
| Average total assets | $1,012,818,250 | 967 |
| Average earning assets | $993,724,250 | 919 |
| Average equity | $98,884,000 | 1,035 |
| Average total loans | $654,739,750 | 943 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 3,562 |
| Cost of funding earning assets | 0.2574% | 3,220 |
| Net interest margin | 2.9911% | 3,345 |
| Noninterest income to average assets | 0.3763% | 3,237 |
| Noninterest expense to average assets | 1.9800% | 3,760 |
| Loan and lease loss provision to assets | 0.0276% | 2,427 |
| Net operating income to assets | 1.3026% | 1,862 |
| Return on assets (ROA) | 1.3096% | 1,908 |
| Pretax return on assets | 1.3096% | 2,605 |
| Return on Equity (ROE) | 13.2419% | 1,637 |
| Retained earnings to average equity (ytd only) | 2.8005% | 3,909 |
| Net charge-offs to loans | -0.0103% | 3,678 |
| Credit loss provision to net charge-offs | -402.9412% | 3,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8165% | 3,039 |
| Assets per employee ($millions) | 9.3448% | 760 |
| Cash dividends to net income (ytd only)* | 78.8512% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 642 |
| Loan loss allowance to noncurrent loans | 1,046.7997% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,472 |
| Noncurrent loans to loans | 0.1885% | 3,291 |
| Net loans and leases to total assets | 59.2373% | 2,518 |
| Net loans and leases to deposits | 68.0666% | 2,611 |
| Net loans and leases to core deposits | 73.5889% | 2,453 |
| Total domestic deposits to total assets | 87.0285% | 2,302 |
| Equity capital to assets | 9.3857% | 3,430 |
| Core capital (leverage) ratio | 9.7462% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1447% | 1,582 |
| Memoranda: | ||
| Average total assets | $994,349,333 | 973 |
| Average earning assets | $975,284,667 | 927 |
| Average equity | $98,339,667 | 1,036 |
| Average total loans | $661,154,667 | 941 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 3,016 |
| Cost of funding earning assets | 0.2841% | 3,155 |
| Net interest margin | 3.1842% | 2,746 |
| Noninterest income to average assets | 0.4508% | 2,824 |
| Noninterest expense to average assets | 1.9877% | 3,757 |
| Loan and lease loss provision to assets | 0.0357% | 2,301 |
| Net operating income to assets | 1.5493% | 1,217 |
| Return on assets (ROA) | 1.5638% | 1,257 |
| Pretax return on assets | 1.5638% | 1,821 |
| Return on Equity (ROE) | 15.3827% | 1,139 |
| Retained earnings to average equity (ytd only) | -0.7269% | 4,432 |
| Net charge-offs to loans | -0.0059% | 3,462 |
| Credit loss provision to net charge-offs | -860.0000% | 3,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6356% | 3,581 |
| Assets per employee ($millions) | 9.4723% | 704 |
| Cash dividends to net income (ytd only)* | 104.7252% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 770 |
| Loan loss allowance to noncurrent loans | 1,060.8475% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 3,582 |
| Noncurrent loans to loans | 0.1763% | 3,477 |
| Net loans and leases to total assets | 65.4303% | 1,879 |
| Net loans and leases to deposits | 75.6870% | 1,944 |
| Net loans and leases to core deposits | 81.8281% | 1,854 |
| Total domestic deposits to total assets | 86.4484% | 2,551 |
| Equity capital to assets | 9.5550% | 3,142 |
| Core capital (leverage) ratio | 10.1515% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9206% | 1,591 |
| Memoranda: | ||
| Average total assets | $963,540,000 | 984 |
| Average earning assets | $944,652,500 | 942 |
| Average equity | $97,954,500 | 1,025 |
| Average total loans | $672,672,000 | 926 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,124 |
| Cost of funding earning assets | 0.4333% | 3,386 |
| Net interest margin | 3.4328% | 2,664 |
| Noninterest income to average assets | 0.5133% | 2,577 |
| Noninterest expense to average assets | 2.1114% | 3,915 |
| Loan and lease loss provision to assets | 0.3433% | 1,018 |
| Net operating income to assets | 1.4021% | 1,014 |
| Return on assets (ROA) | 1.5446% | 783 |
| Pretax return on assets | 1.5446% | 1,210 |
| Return on Equity (ROE) | 14.0175% | 807 |
| Retained earnings to average equity (ytd only) | 5.5881% | 2,001 |
| Net charge-offs to loans | 0.1965% | 875 |
| Credit loss provision to net charge-offs | 242.4879% | 1,968 |
| Earnings coverage of net charge-offs (x) | 12.3296% | 2,341 |
| Efficiency ratio | 54.7452% | 4,119 |
| Assets per employee ($millions) | 8.6265% | 860 |
| Cash dividends to net income (ytd only)* | 60.1347% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 801 |
| Loan loss allowance to noncurrent loans | 894.3125% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 3,525 |
| Noncurrent loans to loans | 0.2055% | 3,470 |
| Net loans and leases to total assets | 71.8783% | 1,304 |
| Net loans and leases to deposits | 84.8965% | 1,374 |
| Net loans and leases to core deposits | 95.2691% | 1,165 |
| Total domestic deposits to total assets | 84.6659% | 2,895 |
| Equity capital to assets | 10.8306% | 2,401 |
| Core capital (leverage) ratio | 10.7554% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8588% | 1,581 |
| Memoranda: | ||
| Average total assets | $874,556,000 | 988 |
| Average earning assets | $851,789,400 | 949 |
| Average equity | $96,365,400 | 990 |
| Average total loans | $629,872,600 | 937 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 2,866 |
| Cost of funding earning assets | 0.4667% | 3,439 |
| Net interest margin | 3.5719% | 2,355 |
| Noninterest income to average assets | 0.5157% | 2,539 |
| Noninterest expense to average assets | 2.1613% | 3,778 |
| Loan and lease loss provision to assets | 0.3919% | 918 |
| Net operating income to assets | 1.4364% | 1,020 |
| Return on assets (ROA) | 1.5648% | 862 |
| Pretax return on assets | 1.5648% | 1,284 |
| Return on Equity (ROE) | 14.1369% | 855 |
| Retained earnings to average equity (ytd only) | 5.0866% | 2,521 |
| Net charge-offs to loans | 0.2684% | 579 |
| Credit loss provision to net charge-offs | 203.6145% | 2,105 |
| Earnings coverage of net charge-offs (x) | 9.4988% | 2,424 |
| Efficiency ratio | 54.1734% | 4,128 |
| Assets per employee ($millions) | 8.2822% | 911 |
| Cash dividends to net income (ytd only)* | 64.0190% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.4242% | 1,604 |
| Net loans and leases to deposits | 85.7391% | 1,736 |
| Net loans and leases to core deposits | 94.9275% | 1,549 |
| Total domestic deposits to total assets | 84.4704% | 2,645 |
| Equity capital to assets | 10.9206% | 2,454 |
| Core capital (leverage) ratio | 10.7214% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0915% | 1,477 |
| Memoranda: | ||
| Average total assets | $862,437,000 | 989 |
| Average earning assets | $838,737,500 | 943 |
| Average equity | $95,464,250 | 986 |
| Average total loans | $618,370,250 | 947 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 2,346 |
| Cost of funding earning assets | 0.5050% | 3,502 |
| Net interest margin | 3.8420% | 1,706 |
| Noninterest income to average assets | 0.5255% | 2,461 |
| Noninterest expense to average assets | 2.1884% | 3,819 |
| Loan and lease loss provision to assets | 0.5786% | 560 |
| Net operating income to assets | 1.4847% | 950 |
| Return on assets (ROA) | 1.6582% | 729 |
| Pretax return on assets | 1.6582% | 1,081 |
| Return on Equity (ROE) | 14.9106% | 724 |
| Retained earnings to average equity (ytd only) | 4.0391% | 2,885 |
| Net charge-offs to loans | 0.4181% | 381 |
| Credit loss provision to net charge-offs | 194.9367% | 1,945 |
| Earnings coverage of net charge-offs (x) | 6.9517% | 2,403 |
| Efficiency ratio | 51.4718% | 4,399 |
| Assets per employee ($millions) | 8.7153% | 749 |
| Cash dividends to net income (ytd only)* | 72.9114% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.8973% | 2,202 |
| Net loans and leases to deposits | 81.5460% | 2,253 |
| Net loans and leases to core deposits | 88.8134% | 2,173 |
| Total domestic deposits to total assets | 84.4889% | 2,560 |
| Equity capital to assets | 10.4569% | 2,783 |
| Core capital (leverage) ratio | 10.7859% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2068% | 1,444 |
| Memoranda: | ||
| Average total assets | $851,755,667 | 982 |
| Average earning assets | $826,081,667 | 942 |
| Average equity | $94,724,667 | 986 |
| Average total loans | $604,570,667 | 954 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 3,242 |
| Cost of funding earning assets | 0.5682% | 3,599 |
| Net interest margin | 3.6234% | 2,593 |
| Noninterest income to average assets | 0.6912% | 1,679 |
| Noninterest expense to average assets | 2.2052% | 3,995 |
| Loan and lease loss provision to assets | 0.0249% | 3,487 |
| Net operating income to assets | 1.9793% | 281 |
| Return on assets (ROA) | 2.2144% | 194 |
| Pretax return on assets | 2.2144% | 284 |
| Return on Equity (ROE) | 19.2697% | 198 |
| Retained earnings to average equity (ytd only) | 12.5338% | 368 |
| Net charge-offs to loans | 0.0014% | 2,549 |
| Credit loss provision to net charge-offs | 2,550.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 2,054.5000% | 13 |
| Efficiency ratio | 52.3870% | 4,527 |
| Assets per employee ($millions) | 7.8998% | 767 |
| Cash dividends to net income (ytd only)* | 34.9559% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 681 |
| Loan loss allowance to noncurrent loans | 781.5328% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,663 |
| Noncurrent loans to loans | 0.2338% | 3,654 |
| Net loans and leases to total assets | 70.0221% | 2,255 |
| Net loans and leases to deposits | 85.2379% | 2,085 |
| Net loans and leases to core deposits | 94.0308% | 1,973 |
| Total domestic deposits to total assets | 82.1491% | 3,371 |
| Equity capital to assets | 11.6246% | 2,342 |
| Core capital (leverage) ratio | 11.9082% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9861% | 1,605 |
| Memoranda: | ||
| Average total assets | $820,080,000 | 987 |
| Average earning assets | $796,266,500 | 947 |
| Average equity | $94,241,000 | 985 |
| Average total loans | $585,685,000 | 959 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 2,612 |
| Cost of funding earning assets | 0.6661% | 3,327 |
| Net interest margin | 3.9343% | 2,052 |
| Noninterest income to average assets | 0.3169% | 3,802 |
| Noninterest expense to average assets | 2.2935% | 3,958 |
| Loan and lease loss provision to assets | 0.2034% | 998 |
| Net operating income to assets | 1.6470% | 744 |
| Return on assets (ROA) | 1.6567% | 780 |
| Pretax return on assets | 1.6567% | 1,317 |
| Return on Equity (ROE) | 14.8400% | 720 |
| Retained earnings to average equity (ytd only) | 6.0090% | 1,861 |
| Net charge-offs to loans | 0.4103% | 474 |
| Credit loss provision to net charge-offs | 69.4257% | 2,920 |
| Earnings coverage of net charge-offs (x) | 6.3150% | 2,986 |
| Efficiency ratio | 55.3452% | 4,289 |
| Assets per employee ($millions) | 7.7960% | 767 |
| Cash dividends to net income (ytd only)* | 59.5085% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 632 |
| Loan loss allowance to noncurrent loans | 777.9562% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,646 |
| Noncurrent loans to loans | 0.2340% | 3,611 |
| Net loans and leases to total assets | 70.2090% | 2,367 |
| Net loans and leases to deposits | 85.1904% | 2,186 |
| Net loans and leases to core deposits | 88.7104% | 2,542 |
| Total domestic deposits to total assets | 82.4143% | 3,394 |
| Equity capital to assets | 11.3583% | 2,655 |
| Core capital (leverage) ratio | 11.7144% | 1,951 |
| Tier 1 risk-based capital ratio | 14.4330% | 3,058 |
| Total risk-based capital ratio | 15.6879% | 2,949 |
| Memoranda: | ||
| Average total assets | $808,124,800 | 966 |
| Average earning assets | $786,091,400 | 924 |
| Average equity | $90,215,400 | 974 |
| Average total loans | $577,166,800 | 943 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 2,446 |
| Cost of funding earning assets | 0.6954% | 3,242 |
| Net interest margin | 3.9958% | 1,957 |
| Noninterest income to average assets | 0.3287% | 3,778 |
| Noninterest expense to average assets | 2.2796% | 4,005 |
| Loan and lease loss provision to assets | 0.1291% | 1,499 |
| Net operating income to assets | 1.8078% | 606 |
| Return on assets (ROA) | 1.7802% | 673 |
| Pretax return on assets | 1.7802% | 1,139 |
| Return on Equity (ROE) | 16.0175% | 601 |
| Retained earnings to average equity (ytd only) | 8.6335% | 1,155 |
| Net charge-offs to loans | -0.0060% | 4,249 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0630% | 4,386 |
| Assets per employee ($millions) | 7.8227% | 736 |
| Cash dividends to net income (ytd only)* | 46.0995% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 413 |
| Loan loss allowance to noncurrent loans | 317.5612% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,450 |
| Noncurrent loans to loans | 0.6493% | 2,335 |
| Net loans and leases to total assets | 72.5553% | 2,075 |
| Net loans and leases to deposits | 87.8873% | 1,947 |
| Net loans and leases to core deposits | 91.5678% | 2,407 |
| Total domestic deposits to total assets | 82.5549% | 3,300 |
| Equity capital to assets | 11.6939% | 2,511 |
| Core capital (leverage) ratio | 11.7107% | 2,071 |
| Tier 1 risk-based capital ratio | 14.3477% | 3,156 |
| Total risk-based capital ratio | 15.6054% | 3,059 |
| Memoranda: | ||
| Average total assets | $805,510,000 | 972 |
| Average earning assets | $783,744,250 | 923 |
| Average equity | $89,525,000 | 981 |
| Average total loans | $575,114,000 | 944 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 2,353 |
| Cost of funding earning assets | 0.7110% | 3,110 |
| Net interest margin | 3.9909% | 1,953 |
| Noninterest income to average assets | 0.2978% | 3,947 |
| Noninterest expense to average assets | 2.2086% | 4,207 |
| Loan and lease loss provision to assets | 0.1455% | 1,271 |
| Net operating income to assets | 1.8284% | 562 |
| Return on assets (ROA) | 1.7870% | 636 |
| Pretax return on assets | 1.7870% | 1,070 |
| Return on Equity (ROE) | 16.3600% | 536 |
| Retained earnings to average equity (ytd only) | 8.7714% | 1,102 |
| Net charge-offs to loans | -0.0070% | 4,218 |
| Credit loss provision to net charge-offs | -2,940.0000% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8051% | 4,579 |
| Assets per employee ($millions) | 7.4588% | 832 |
| Cash dividends to net income (ytd only)* | 46.3850% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 435 |
| Loan loss allowance to noncurrent loans | 298.3329% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 2,556 |
| Noncurrent loans to loans | 0.6857% | 2,262 |
| Net loans and leases to total assets | 71.2760% | 2,328 |
| Net loans and leases to deposits | 86.2630% | 2,225 |
| Net loans and leases to core deposits | 93.2346% | 2,307 |
| Total domestic deposits to total assets | 82.6264% | 3,325 |
| Equity capital to assets | 11.3243% | 2,765 |
| Core capital (leverage) ratio | 11.2582% | 2,371 |
| Tier 1 risk-based capital ratio | 14.2022% | 3,209 |
| Total risk-based capital ratio | 15.4597% | 3,120 |
| Memoranda: | ||
| Average total assets | $808,040,000 | 969 |
| Average earning assets | $786,546,330 | 917 |
| Average equity | $88,264,000 | 987 |
| Average total loans | $569,778,330 | 949 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 2,784 |
| Cost of funding earning assets | 0.7305% | 2,888 |
| Net interest margin | 3.7960% | 2,540 |
| Noninterest income to average assets | 0.2318% | 4,353 |
| Noninterest expense to average assets | 2.1802% | 4,312 |
| Loan and lease loss provision to assets | 0.0094% | 3,315 |
| Net operating income to assets | 1.7383% | 678 |
| Return on assets (ROA) | 1.7383% | 701 |
| Pretax return on assets | 1.7383% | 1,119 |
| Return on Equity (ROE) | 16.2103% | 565 |
| Retained earnings to average equity (ytd only) | 9.4994% | 1,161 |
| Net charge-offs to loans | -0.0085% | 4,173 |
| Credit loss provision to net charge-offs | -158.3333% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5052% | 4,392 |
| Assets per employee ($millions) | 7.9147% | 689 |
| Cash dividends to net income (ytd only)* | 41.3989% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 479 |
| Loan loss allowance to noncurrent loans | 221.9133% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 2,196 |
| Noncurrent loans to loans | 0.9121% | 1,832 |
| Net loans and leases to total assets | 67.7647% | 2,786 |
| Net loans and leases to deposits | 80.1785% | 2,822 |
| Net loans and leases to core deposits | 83.6279% | 3,053 |
| Total domestic deposits to total assets | 84.5173% | 2,843 |
| Equity capital to assets | 10.8616% | 2,986 |
| Core capital (leverage) ratio | 11.1092% | 2,467 |
| Tier 1 risk-based capital ratio | 14.5375% | 3,088 |
| Total risk-based capital ratio | 15.7949% | 3,010 |
| Memoranda: | ||
| Average total assets | $809,286,000 | 964 |
| Average earning assets | $787,987,500 | 916 |
| Average equity | $86,784,500 | 994 |
| Average total loans | $561,591,500 | 964 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 3,439 |
| Cost of funding earning assets | 0.5610% | 2,984 |
| Net interest margin | 3.6427% | 3,247 |
| Noninterest income to average assets | 0.3533% | 3,739 |
| Noninterest expense to average assets | 2.3107% | 4,092 |
| Loan and lease loss provision to assets | 0.0808% | 2,512 |
| Net operating income to assets | 1.5031% | 1,112 |
| Return on assets (ROA) | 1.4788% | 1,170 |
| Pretax return on assets | 1.4788% | 1,847 |
| Return on Equity (ROE) | 14.2989% | 981 |
| Retained earnings to average equity (ytd only) | 7.1886% | 1,584 |
| Net charge-offs to loans | -0.0185% | 4,677 |
| Credit loss provision to net charge-offs | -625.4902% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3315% | 3,969 |
| Assets per employee ($millions) | 7.0470% | 955 |
| Cash dividends to net income (ytd only)* | 49.7260% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0349% | 447 |
| Loan loss allowance to noncurrent loans | 218.8005% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 2,102 |
| Noncurrent loans to loans | 0.9300% | 1,729 |
| Net loans and leases to total assets | 68.2088% | 2,854 |
| Net loans and leases to deposits | 80.6263% | 2,888 |
| Net loans and leases to core deposits | 84.2250% | 3,064 |
| Total domestic deposits to total assets | 84.5987% | 2,799 |
| Equity capital to assets | 10.5835% | 3,096 |
| Core capital (leverage) ratio | 11.0494% | 2,482 |
| Tier 1 risk-based capital ratio | 14.3948% | 3,115 |
| Total risk-based capital ratio | 15.6524% | 3,028 |
| Memoranda: | ||
| Average total assets | $789,718,200 | 960 |
| Average earning assets | $767,736,000 | 919 |
| Average equity | $81,670,600 | 1,009 |
| Average total loans | $551,533,600 | 954 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 3,537 |
| Cost of funding earning assets | 0.5344% | 2,966 |
| Net interest margin | 3.5949% | 3,384 |
| Noninterest income to average assets | 0.3697% | 3,659 |
| Noninterest expense to average assets | 2.2851% | 4,138 |
| Loan and lease loss provision to assets | 0.1082% | 1,853 |
| Net operating income to assets | 1.4691% | 1,277 |
| Return on assets (ROA) | 1.4679% | 1,284 |
| Pretax return on assets | 1.4679% | 2,004 |
| Return on Equity (ROE) | 14.2794% | 1,043 |
| Retained earnings to average equity (ytd only) | 6.9937% | 2,129 |
| Net charge-offs to loans | -0.0213% | 4,650 |
| Credit loss provision to net charge-offs | -725.0000% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1623% | 3,940 |
| Assets per employee ($millions) | 6.9054% | 973 |
| Cash dividends to net income (ytd only)* | 51.0223% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 411 |
| Loan loss allowance to noncurrent loans | 215.7525% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 2,194 |
| Noncurrent loans to loans | 0.9733% | 1,747 |
| Net loans and leases to total assets | 67.3256% | 3,033 |
| Net loans and leases to deposits | 79.8854% | 3,061 |
| Net loans and leases to core deposits | 83.3241% | 3,213 |
| Total domestic deposits to total assets | 84.2778% | 2,861 |
| Equity capital to assets | 10.5449% | 3,100 |
| Core capital (leverage) ratio | 11.0086% | 2,566 |
| Tier 1 risk-based capital ratio | 14.4710% | 3,141 |
| Total risk-based capital ratio | 15.7291% | 3,056 |
| Memoranda: | ||
| Average total assets | $786,307,750 | 964 |
| Average earning assets | $763,961,000 | 923 |
| Average equity | $80,832,250 | 1,014 |
| Average total loans | $549,581,000 | 958 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,618 |
| Cost of funding earning assets | 0.5185% | 2,857 |
| Net interest margin | 3.5274% | 3,544 |
| Noninterest income to average assets | 0.2954% | 4,205 |
| Noninterest expense to average assets | 2.2982% | 4,149 |
| Loan and lease loss provision to assets | 0.1623% | 1,145 |
| Net operating income to assets | 1.2603% | 1,937 |
| Return on assets (ROA) | 1.2585% | 1,944 |
| Pretax return on assets | 1.2585% | 2,685 |
| Return on Equity (ROE) | 12.3486% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.3929% | 2,880 |
| Net charge-offs to loans | -0.0257% | 4,677 |
| Credit loss provision to net charge-offs | -898.5915% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7657% | 3,657 |
| Assets per employee ($millions) | 6.5417% | 1,157 |
| Cash dividends to net income (ytd only)* | 56.3283% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 434 |
| Loan loss allowance to noncurrent loans | 177.3317% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 1,851 |
| Noncurrent loans to loans | 1.1924% | 1,460 |
| Net loans and leases to total assets | 66.3859% | 3,081 |
| Net loans and leases to deposits | 78.4490% | 3,111 |
| Net loans and leases to core deposits | 81.7088% | 3,269 |
| Total domestic deposits to total assets | 84.6231% | 2,828 |
| Equity capital to assets | 10.2570% | 3,379 |
| Core capital (leverage) ratio | 10.6163% | 2,907 |
| Tier 1 risk-based capital ratio | 14.4760% | 3,129 |
| Total risk-based capital ratio | 15.7347% | 3,036 |
| Memoranda: | ||
| Average total assets | $786,005,000 | 966 |
| Average earning assets | $763,283,330 | 918 |
| Average equity | $80,106,000 | 1,021 |
| Average total loans | $552,319,330 | 956 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,678 |
| Cost of funding earning assets | 0.4827% | 2,931 |
| Net interest margin | 3.4997% | 3,536 |
| Noninterest income to average assets | 0.2477% | 4,518 |
| Noninterest expense to average assets | 2.2696% | 4,257 |
| Loan and lease loss provision to assets | 0.1951% | 854 |
| Net operating income to assets | 1.1859% | 2,070 |
| Return on assets (ROA) | 1.1823% | 2,092 |
| Pretax return on assets | 1.1823% | 2,834 |
| Return on Equity (ROE) | 11.6384% | 1,710 |
| Retained earnings to average equity (ytd only) | 4.9520% | 3,200 |
| Net charge-offs to loans | -0.0250% | 4,662 |
| Credit loss provision to net charge-offs | -1,091.4286% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1712% | 3,749 |
| Assets per employee ($millions) | 6.6743% | 1,105 |
| Cash dividends to net income (ytd only)* | 57.4514% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9892% | 555 |
| Loan loss allowance to noncurrent loans | 172.7699% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 1,910 |
| Noncurrent loans to loans | 1.1514% | 1,581 |
| Net loans and leases to total assets | 70.3791% | 2,416 |
| Net loans and leases to deposits | 83.2612% | 2,474 |
| Net loans and leases to core deposits | 87.9262% | 2,637 |
| Total domestic deposits to total assets | 84.5281% | 3,110 |
| Equity capital to assets | 10.3044% | 3,275 |
| Core capital (leverage) ratio | 10.4749% | 2,974 |
| Tier 1 risk-based capital ratio | 14.0378% | 3,365 |
| Total risk-based capital ratio | 15.2956% | 3,272 |
| Memoranda: | ||
| Average total assets | $783,235,500 | 974 |
| Average earning assets | $761,561,500 | 930 |
| Average equity | $79,564,500 | 1,035 |
| Average total loans | $560,066,500 | 955 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,946 |
| Cost of funding earning assets | 0.4196% | 3,055 |
| Net interest margin | 3.4115% | 3,813 |
| Noninterest income to average assets | 0.2822% | 4,438 |
| Noninterest expense to average assets | 2.2881% | 4,365 |
| Loan and lease loss provision to assets | -0.2110% | 5,580 |
| Net operating income to assets | 1.5178% | 768 |
| Return on assets (ROA) | 1.5159% | 786 |
| Pretax return on assets | 1.5159% | 1,576 |
| Return on Equity (ROE) | 16.9343% | 403 |
| Retained earnings to average equity (ytd only) | 8.7395% | 551 |
| Net charge-offs to loans | -0.0702% | 5,277 |
| Credit loss provision to net charge-offs | 428.2828% | 725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6486% | 3,654 |
| Assets per employee ($millions) | 6.9496% | 990 |
| Cash dividends to net income (ytd only)* | 48.3913% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.8697% | 2,534 |
| Net loans and leases to deposits | 82.6447% | 2,649 |
| Net loans and leases to core deposits | 86.6456% | 2,864 |
| Total domestic deposits to total assets | 84.5422% | 3,024 |
| Equity capital to assets | 10.0158% | 3,689 |
| Core capital (leverage) ratio | 10.3279% | 3,045 |
| Tier 1 risk-based capital ratio | 13.4292% | 3,672 |
| Total risk-based capital ratio | 14.6853% | 3,576 |
| Memoranda: | ||
| Average total assets | $803,728,200 | 927 |
| Average earning assets | $780,458,600 | 885 |
| Average equity | $71,948,800 | 1,107 |
| Average total loans | $563,834,600 | 916 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,079 |
| Cost of funding earning assets | 0.4091% | 3,098 |
| Net interest margin | 3.3680% | 3,958 |
| Noninterest income to average assets | 0.2412% | 4,759 |
| Noninterest expense to average assets | 2.2468% | 4,424 |
| Loan and lease loss provision to assets | 0.0503% | 3,088 |
| Net operating income to assets | 1.2154% | 1,627 |
| Return on assets (ROA) | 1.2188% | 1,645 |
| Pretax return on assets | 1.2188% | 2,829 |
| Return on Equity (ROE) | 14.0238% | 827 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,766 |
| Net charge-offs to loans | -0.0818% | 5,321 |
| Credit loss provision to net charge-offs | -87.8613% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9654% | 3,547 |
| Assets per employee ($millions) | 6.8911% | 992 |
| Cash dividends to net income (ytd only)* | 63.1086% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2035% | 400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.9126% | 2,572 |
| Net loans and leases to deposits | 87.1968% | 2,158 |
| Net loans and leases to core deposits | 91.5045% | 2,493 |
| Total domestic deposits to total assets | 80.1780% | 4,282 |
| Equity capital to assets | 9.0643% | 4,859 |
| Core capital (leverage) ratio | 8.9269% | 4,827 |
| Tier 1 risk-based capital ratio | 12.1890% | 4,506 |
| Total risk-based capital ratio | 13.4490% | 4,392 |
| Memoranda: | ||
| Average total assets | $806,596,500 | 930 |
| Average earning assets | $783,437,500 | 883 |
| Average equity | $70,098,250 | 1,143 |
| Average total loans | $563,746,250 | 907 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 4,169 |
| Cost of funding earning assets | 0.3912% | 3,159 |
| Net interest margin | 3.3269% | 4,025 |
| Noninterest income to average assets | 0.2292% | 4,869 |
| Noninterest expense to average assets | 2.2237% | 4,523 |
| Loan and lease loss provision to assets | 0.0752% | 2,466 |
| Net operating income to assets | 1.1599% | 1,740 |
| Return on assets (ROA) | 1.1612% | 1,773 |
| Pretax return on assets | 1.1612% | 2,925 |
| Return on Equity (ROE) | 13.5532% | 910 |
| Retained earnings to average equity (ytd only) | 3.8839% | 3,383 |
| Net charge-offs to loans | -0.0977% | 5,404 |
| Credit loss provision to net charge-offs | -110.9489% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2913% | 3,626 |
| Assets per employee ($millions) | 6.6994% | 1,055 |
| Cash dividends to net income (ytd only)* | 71.3434% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2465% | 403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.5783% | 3,169 |
| Net loans and leases to deposits | 79.2194% | 3,004 |
| Net loans and leases to core deposits | 83.6337% | 3,110 |
| Total domestic deposits to total assets | 82.7807% | 3,636 |
| Equity capital to assets | 8.5512% | 5,268 |
| Core capital (leverage) ratio | 8.8183% | 4,930 |
| Tier 1 risk-based capital ratio | 11.9372% | 4,670 |
| Total risk-based capital ratio | 13.1971% | 4,559 |
| Memoranda: | ||
| Average total assets | $809,006,000 | 933 |
| Average earning assets | $785,351,000 | 885 |
| Average equity | $69,312,000 | 1,154 |
| Average total loans | $561,178,000 | 916 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 4,387 |
| Cost of funding earning assets | 0.3651% | 3,364 |
| Net interest margin | 3.2465% | 4,199 |
| Noninterest income to average assets | 0.2225% | 4,940 |
| Noninterest expense to average assets | 2.2207% | 4,588 |
| Loan and lease loss provision to assets | 0.1143% | 1,677 |
| Net operating income to assets | 1.0514% | 2,064 |
| Return on assets (ROA) | 1.0514% | 2,112 |
| Pretax return on assets | 1.0514% | 3,167 |
| Return on Equity (ROE) | 12.2601% | 1,170 |
| Retained earnings to average equity (ytd only) | 1.8174% | 4,389 |
| Net charge-offs to loans | -0.1137% | 5,483 |
| Credit loss provision to net charge-offs | -142.5000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5764% | 3,563 |
| Assets per employee ($millions) | 6.5999% | 1,135 |
| Cash dividends to net income (ytd only)* | 85.1764% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.9755% | 2,688 |
| Net loans and leases to deposits | 78.7869% | 2,894 |
| Net loans and leases to core deposits | 83.5008% | 2,945 |
| Total domestic deposits to total assets | 86.2776% | 2,543 |
| Equity capital to assets | 8.4416% | 5,279 |
| Core capital (leverage) ratio | 8.9400% | 4,807 |
| Tier 1 risk-based capital ratio | 11.6210% | 4,963 |
| Total risk-based capital ratio | 12.8802% | 4,854 |
| Memoranda: | ||
| Average total assets | $798,144,000 | 948 |
| Average earning assets | $777,818,500 | 899 |
| Average equity | $68,449,500 | 1,163 |
| Average total loans | $563,117,500 | 913 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,336 |
| Cost of funding earning assets | 0.3379% | 3,656 |
| Net interest margin | 3.3237% | 4,070 |
| Noninterest income to average assets | 0.2428% | 4,974 |
| Noninterest expense to average assets | 2.2305% | 4,699 |
| Loan and lease loss provision to assets | 0.4355% | 334 |
| Net operating income to assets | 0.8043% | 3,287 |
| Return on assets (ROA) | 1.0189% | 2,368 |
| Pretax return on assets | 1.0189% | 3,407 |
| Return on Equity (ROE) | 11.6211% | 1,360 |
| Retained earnings to average equity (ytd only) | 4.2331% | 2,892 |
| Net charge-offs to loans | 0.3071% | 893 |
| Credit loss provision to net charge-offs | 197.0988% | 1,433 |
| Earnings coverage of net charge-offs (x) | 5.6111% | 3,314 |
| Efficiency ratio | 64.2731% | 3,889 |
| Assets per employee ($millions) | 6.3763% | 1,221 |
| Cash dividends to net income (ytd only)* | 63.5743% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.1452% | 2,443 |
| Net loans and leases to deposits | 81.4489% | 2,731 |
| Net loans and leases to core deposits | 94.5018% | 2,055 |
| Total domestic deposits to total assets | 86.1218% | 2,524 |
| Equity capital to assets | 8.7175% | 5,089 |
| Core capital (leverage) ratio | 9.2402% | 4,425 |
| Tier 1 risk-based capital ratio | 11.7319% | 4,906 |
| Total risk-based capital ratio | 12.9907% | 4,805 |
| Memoranda: | ||
| Average total assets | $733,144,200 | 981 |
| Average earning assets | $711,939,800 | 935 |
| Average equity | $64,279,600 | 1,220 |
| Average total loans | $527,450,800 | 933 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 4,370 |
| Cost of funding earning assets | 0.3267% | 3,810 |
| Net interest margin | 3.3342% | 4,080 |
| Noninterest income to average assets | 0.2286% | 5,101 |
| Noninterest expense to average assets | 2.2221% | 4,711 |
| Loan and lease loss provision to assets | 0.5398% | 221 |
| Net operating income to assets | 0.7029% | 3,829 |
| Return on assets (ROA) | 0.9934% | 2,604 |
| Pretax return on assets | 0.9934% | 3,655 |
| Return on Equity (ROE) | 11.3127% | 1,552 |
| Retained earnings to average equity (ytd only) | 2.8666% | 4,179 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1330% | 3,912 |
| Assets per employee ($millions) | 6.4081% | 1,168 |
| Cash dividends to net income (ytd only)* | 74.6607% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3872% | 388 |
| Loan loss allowance to noncurrent loans | 221,533.3333% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,473 |
| Noncurrent loans to loans | 0.0011% | 5,423 |
| Net loans and leases to total assets | 71.2744% | 2,304 |
| Net loans and leases to deposits | 81.8959% | 2,749 |
| Net loans and leases to core deposits | 95.9627% | 1,991 |
| Total domestic deposits to total assets | 87.0305% | 1,882 |
| Equity capital to assets | 8.3431% | 5,610 |
| Core capital (leverage) ratio | 8.8832% | 4,963 |
| Tier 1 risk-based capital ratio | 10.7504% | 5,499 |
| Total risk-based capital ratio | 12.0117% | 5,404 |
| Memoranda: | ||
| Average total assets | $721,954,500 | 996 |
| Average earning assets | $700,724,000 | 949 |
| Average equity | $63,396,000 | 1,247 |
| Average total loans | $519,912,500 | 942 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,486 |
| Cost of funding earning assets | 0.3174% | 3,932 |
| Net interest margin | 3.3182% | 4,163 |
| Noninterest income to average assets | 0.2069% | 5,257 |
| Noninterest expense to average assets | 2.2041% | 4,833 |
| Loan and lease loss provision to assets | 0.7199% | 153 |
| Net operating income to assets | 0.4997% | 4,681 |
| Return on assets (ROA) | 0.9150% | 2,923 |
| Pretax return on assets | 0.9150% | 3,895 |
| Return on Equity (ROE) | 10.2367% | 1,953 |
| Retained earnings to average equity (ytd only) | 2.1352% | 4,503 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3770% | 3,949 |
| Assets per employee ($millions) | 5.7682% | 1,567 |
| Cash dividends to net income (ytd only)* | 79.1422% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4971% | 364 |
| Loan loss allowance to noncurrent loans | 184,557.1429% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 5,561 |
| Noncurrent loans to loans | 0.0014% | 5,515 |
| Net loans and leases to total assets | 70.5258% | 2,396 |
| Net loans and leases to deposits | 80.8732% | 2,831 |
| Net loans and leases to core deposits | 97.8598% | 1,819 |
| Total domestic deposits to total assets | 87.2054% | 1,804 |
| Equity capital to assets | 8.7766% | 5,421 |
| Core capital (leverage) ratio | 9.1831% | 4,620 |
| Tier 1 risk-based capital ratio | 11.3559% | 5,243 |
| Total risk-based capital ratio | 12.6182% | 5,135 |
| Memoranda: | ||
| Average total assets | $708,420,000 | 1,016 |
| Average earning assets | $686,748,330 | 970 |
| Average equity | $63,321,000 | 1,249 |
| Average total loans | $507,616,330 | 967 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 4,497 |
| Cost of funding earning assets | 0.3100% | 4,062 |
| Net interest margin | 3.3336% | 4,096 |
| Noninterest income to average assets | 0.1906% | 5,366 |
| Noninterest expense to average assets | 2.1719% | 4,973 |
| Loan and lease loss provision to assets | 0.9180% | 105 |
| Net operating income to assets | 0.3404% | 5,179 |
| Return on assets (ROA) | 0.9833% | 2,470 |
| Pretax return on assets | 0.9833% | 3,543 |
| Return on Equity (ROE) | 10.9004% | 1,629 |
| Retained earnings to average equity (ytd only) | 2.8682% | 4,082 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3146% | 4,258 |
| Assets per employee ($millions) | 5.9907% | 1,405 |
| Cash dividends to net income (ytd only)* | 73.6872% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3787% | 457 |
| Loan loss allowance to noncurrent loans | 149,837.5000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,604 |
| Noncurrent loans to loans | 0.0016% | 5,532 |
| Net loans and leases to total assets | 72.0339% | 2,032 |
| Net loans and leases to deposits | 81.6325% | 2,588 |
| Net loans and leases to core deposits | 101.5664% | 1,370 |
| Total domestic deposits to total assets | 88.2416% | 1,506 |
| Equity capital to assets | 9.2366% | 4,952 |
| Core capital (leverage) ratio | 9.0724% | 4,768 |
| Tier 1 risk-based capital ratio | 11.8570% | 5,004 |
| Total risk-based capital ratio | 13.1183% | 4,906 |
| Memoranda: | ||
| Average total assets | $705,002,500 | 1,018 |
| Average earning assets | $685,147,000 | 968 |
| Average equity | $63,594,000 | 1,232 |
| Average total loans | $502,745,500 | 972 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,066 |
| Cost of funding earning assets | 0.3485% | 3,714 |
| Net interest margin | 3.0923% | 4,920 |
| Noninterest income to average assets | 0.1872% | 5,477 |
| Noninterest expense to average assets | 2.1789% | 5,095 |
| Loan and lease loss provision to assets | 0.1684% | 1,362 |
| Net operating income to assets | 0.8484% | 3,122 |
| Return on assets (ROA) | 0.8655% | 3,117 |
| Pretax return on assets | 0.8655% | 3,971 |
| Return on Equity (ROE) | 9.5966% | 2,179 |
| Retained earnings to average equity (ytd only) | 3.7438% | 3,384 |
| Net charge-offs to loans | 0.2490% | 1,210 |
| Credit loss provision to net charge-offs | 103.3913% | 2,427 |
| Earnings coverage of net charge-offs (x) | 6.2426% | 3,257 |
| Efficiency ratio | 68.1824% | 3,535 |
| Assets per employee ($millions) | 6.3223% | 1,184 |
| Cash dividends to net income (ytd only)* | 60.9884% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 714 |
| Loan loss allowance to noncurrent loans | 115,211.1111% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 5,647 |
| Noncurrent loans to loans | 0.0018% | 5,566 |
| Net loans and leases to total assets | 67.5575% | 2,777 |
| Net loans and leases to deposits | 82.8917% | 2,488 |
| Net loans and leases to core deposits | 99.8532% | 1,511 |
| Total domestic deposits to total assets | 81.5009% | 4,334 |
| Equity capital to assets | 8.8094% | 5,299 |
| Core capital (leverage) ratio | 8.9937% | 4,891 |
| Tier 1 risk-based capital ratio | 11.5958% | 5,193 |
| Total risk-based capital ratio | 12.8535% | 5,098 |
| Memoranda: | ||
| Average total assets | $706,033,800 | 984 |
| Average earning assets | $686,891,400 | 929 |
| Average equity | $63,678,800 | 1,183 |
| Average total loans | $461,904,600 | 998 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4161% | 5,171 |
| Cost of funding earning assets | 0.3654% | 3,599 |
| Net interest margin | 3.0506% | 5,073 |
| Noninterest income to average assets | 0.1903% | 5,523 |
| Noninterest expense to average assets | 2.1754% | 5,116 |
| Loan and lease loss provision to assets | 0.1284% | 1,760 |
| Net operating income to assets | 0.8564% | 3,143 |
| Return on assets (ROA) | 0.8737% | 3,155 |
| Pretax return on assets | 0.8737% | 4,077 |
| Return on Equity (ROE) | 9.6287% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.2440% | 3,448 |
| Net charge-offs to loans | 0.3581% | 734 |
| Credit loss provision to net charge-offs | 55.6013% | 2,964 |
| Earnings coverage of net charge-offs (x) | 4.2636% | 3,379 |
| Efficiency ratio | 68.8380% | 3,401 |
| Assets per employee ($millions) | 6.6484% | 1,001 |
| Cash dividends to net income (ytd only)* | 55.9233% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 893 |
| Loan loss allowance to noncurrent loans | 97,910.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 5,330 |
| Noncurrent loans to loans | 0.0021% | 5,663 |
| Net loans and leases to total assets | 66.2615% | 2,970 |
| Net loans and leases to deposits | 74.9743% | 3,425 |
| Net loans and leases to core deposits | 92.8722% | 2,181 |
| Total domestic deposits to total assets | 88.3790% | 1,356 |
| Equity capital to assets | 8.9384% | 5,364 |
| Core capital (leverage) ratio | 8.9167% | 5,097 |
| Tier 1 risk-based capital ratio | 11.6164% | 5,319 |
| Total risk-based capital ratio | 12.8726% | 5,237 |
| Memoranda: | ||
| Average total assets | $700,777,000 | 993 |
| Average earning assets | $682,252,250 | 943 |
| Average equity | $63,586,000 | 1,194 |
| Average total loans | $451,992,500 | 1,025 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 5,290 |
| Cost of funding earning assets | 0.3735% | 3,564 |
| Net interest margin | 2.9983% | 5,222 |
| Noninterest income to average assets | 0.1997% | 5,486 |
| Noninterest expense to average assets | 2.1829% | 5,160 |
| Loan and lease loss provision to assets | 0.1295% | 1,715 |
| Net operating income to assets | 0.8051% | 3,358 |
| Return on assets (ROA) | 0.8141% | 3,416 |
| Pretax return on assets | 0.8141% | 4,277 |
| Return on Equity (ROE) | 8.9260% | 2,588 |
| Retained earnings to average equity (ytd only) | 3.4107% | 3,870 |
| Net charge-offs to loans | 0.0567% | 2,593 |
| Credit loss provision to net charge-offs | 360.0000% | 814 |
| Earnings coverage of net charge-offs (x) | 25.9840% | 1,502 |
| Efficiency ratio | 70.0203% | 3,327 |
| Assets per employee ($millions) | 6.6228% | 998 |
| Cash dividends to net income (ytd only)* | 61.7886% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 623 |
| Loan loss allowance to noncurrent loans | 3,960.9665% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 5,630 |
| Noncurrent loans to loans | 0.0585% | 5,499 |
| Net loans and leases to total assets | 62.7576% | 3,440 |
| Net loans and leases to deposits | 70.9271% | 3,832 |
| Net loans and leases to core deposits | 90.0289% | 2,347 |
| Total domestic deposits to total assets | 88.4819% | 1,418 |
| Equity capital to assets | 8.9156% | 5,325 |
| Core capital (leverage) ratio | 8.8162% | 5,208 |
| Tier 1 risk-based capital ratio | 11.9820% | 5,168 |
| Total risk-based capital ratio | 13.2413% | 5,054 |
| Memoranda: | ||
| Average total assets | $695,027,670 | 1,004 |
| Average earning assets | $676,385,000 | 958 |
| Average equity | $63,388,000 | 1,205 |
| Average total loans | $440,801,670 | 1,047 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,401 |
| Cost of funding earning assets | 0.3789% | 3,538 |
| Net interest margin | 2.9414% | 5,368 |
| Noninterest income to average assets | 0.2248% | 5,345 |
| Noninterest expense to average assets | 2.1544% | 5,263 |
| Loan and lease loss provision to assets | 0.1314% | 1,576 |
| Net operating income to assets | 0.8042% | 3,238 |
| Return on assets (ROA) | 0.8042% | 3,360 |
| Pretax return on assets | 0.8042% | 4,220 |
| Return on Equity (ROE) | 8.7156% | 2,594 |
| Retained earnings to average equity (ytd only) | 3.6521% | 3,816 |
| Net charge-offs to loans | -0.1168% | 5,909 |
| Credit loss provision to net charge-offs | -178.5714% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7222% | 3,538 |
| Assets per employee ($millions) | 6.6708% | 986 |
| Cash dividends to net income (ytd only)* | 58.0973% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4077% | 603 |
| Loan loss allowance to noncurrent loans | 4,092.3372% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 5,702 |
| Noncurrent loans to loans | 0.0588% | 5,541 |
| Net loans and leases to total assets | 62.4049% | 3,302 |
| Net loans and leases to deposits | 74.5787% | 3,221 |
| Net loans and leases to core deposits | 92.9413% | 1,858 |
| Total domestic deposits to total assets | 83.6766% | 3,943 |
| Equity capital to assets | 9.1858% | 5,105 |
| Core capital (leverage) ratio | 9.0930% | 4,855 |
| Tier 1 risk-based capital ratio | 12.1534% | 5,148 |
| Total risk-based capital ratio | 13.4133% | 5,043 |
| Memoranda: | ||
| Average total assets | $684,908,500 | 1,013 |
| Average earning assets | $667,155,500 | 964 |
| Average equity | $63,197,000 | 1,207 |
| Average total loans | $431,433,000 | 1,065 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 4,753 |
| Cost of funding earning assets | 0.4141% | 3,556 |
| Net interest margin | 3.2963% | 4,578 |
| Noninterest income to average assets | 0.3258% | 4,791 |
| Noninterest expense to average assets | 1.9845% | 5,799 |
| Loan and lease loss provision to assets | 0.3180% | 629 |
| Net operating income to assets | 1.2118% | 1,548 |
| Return on assets (ROA) | 1.2362% | 1,529 |
| Pretax return on assets | 1.2362% | 2,502 |
| Return on Equity (ROE) | 13.2998% | 1,077 |
| Retained earnings to average equity (ytd only) | 6.8269% | 1,488 |
| Net charge-offs to loans | 0.1487% | 2,546 |
| Credit loss provision to net charge-offs | 313.3641% | 831 |
| Earnings coverage of net charge-offs (x) | 15.0737% | 2,113 |
| Efficiency ratio | 56.4679% | 5,622 |
| Assets per employee ($millions) | 6.5006% | 1,049 |
| Cash dividends to net income (ytd only)* | 48.6694% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4639% | 580 |
| Loan loss allowance to noncurrent loans | 3,868.9139% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 5,771 |
| Noncurrent loans to loans | 0.0637% | 5,624 |
| Net loans and leases to total assets | 60.4853% | 3,725 |
| Net loans and leases to deposits | 68.8806% | 4,039 |
| Net loans and leases to core deposits | 84.7313% | 2,815 |
| Total domestic deposits to total assets | 87.8117% | 1,864 |
| Equity capital to assets | 9.2695% | 4,979 |
| Core capital (leverage) ratio | 9.3182% | 4,514 |
| Tier 1 risk-based capital ratio | 12.7008% | 4,916 |
| Total risk-based capital ratio | 13.9613% | 4,824 |
| Memoranda: | ||
| Average total assets | $641,421,200 | 1,046 |
| Average earning assets | $620,445,200 | 990 |
| Average equity | $59,617,400 | 1,228 |
| Average total loans | $437,815,000 | 1,008 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,637 |
| Cost of funding earning assets | 0.4297% | 3,469 |
| Net interest margin | 3.3461% | 4,444 |
| Noninterest income to average assets | 0.2451% | 5,451 |
| Noninterest expense to average assets | 2.0799% | 5,620 |
| Loan and lease loss provision to assets | 0.3224% | 581 |
| Net operating income to assets | 1.0719% | 2,148 |
| Return on assets (ROA) | 1.0894% | 2,146 |
| Pretax return on assets | 1.0894% | 3,234 |
| Return on Equity (ROE) | 11.7121% | 1,557 |
| Retained earnings to average equity (ytd only) | 6.1415% | 2,317 |
| Net charge-offs to loans | 0.1064% | 2,735 |
| Credit loss provision to net charge-offs | 433.4278% | 655 |
| Earnings coverage of net charge-offs (x) | 18.7452% | 1,823 |
| Efficiency ratio | 59.8678% | 5,200 |
| Assets per employee ($millions) | 6.4009% | 1,081 |
| Cash dividends to net income (ytd only)* | 47.5628% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 810 |
| Loan loss allowance to noncurrent loans | 655.3109% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 5,178 |
| Noncurrent loans to loans | 0.3538% | 4,844 |
| Net loans and leases to total assets | 67.9542% | 2,541 |
| Net loans and leases to deposits | 79.3348% | 2,792 |
| Net loans and leases to core deposits | 103.5770% | 1,124 |
| Total domestic deposits to total assets | 85.6550% | 3,034 |
| Equity capital to assets | 9.7489% | 4,485 |
| Core capital (leverage) ratio | 9.4139% | 4,493 |
| Tier 1 risk-based capital ratio | 12.3980% | 5,229 |
| Total risk-based capital ratio | 13.6579% | 5,152 |
| Memoranda: | ||
| Average total assets | $632,761,750 | 1,066 |
| Average earning assets | $610,638,000 | 1,016 |
| Average equity | $58,855,000 | 1,250 |
| Average total loans | $442,457,250 | 1,001 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,711 |
| Cost of funding earning assets | 0.4380% | 3,459 |
| Net interest margin | 3.3087% | 4,553 |
| Noninterest income to average assets | 0.2647% | 5,311 |
| Noninterest expense to average assets | 2.0489% | 5,728 |
| Loan and lease loss provision to assets | 0.3215% | 589 |
| Net operating income to assets | 1.0848% | 1,991 |
| Return on assets (ROA) | 1.1081% | 1,981 |
| Pretax return on assets | 1.1081% | 3,073 |
| Return on Equity (ROE) | 12.1056% | 1,389 |
| Retained earnings to average equity (ytd only) | 8.2667% | 1,229 |
| Net charge-offs to loans | 0.1584% | 2,125 |
| Credit loss provision to net charge-offs | 289.7727% | 883 |
| Earnings coverage of net charge-offs (x) | 12.6761% | 2,043 |
| Efficiency ratio | 59.2995% | 5,390 |
| Assets per employee ($millions) | 6.5884% | 966 |
| Cash dividends to net income (ytd only)* | 31.7122% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 1,189 |
| Loan loss allowance to noncurrent loans | 508.1438% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 5,110 |
| Noncurrent loans to loans | 0.4118% | 4,754 |
| Net loans and leases to total assets | 69.6301% | 2,138 |
| Net loans and leases to deposits | 82.7499% | 2,168 |
| Net loans and leases to core deposits | 107.4507% | 799 |
| Total domestic deposits to total assets | 84.1453% | 3,876 |
| Equity capital to assets | 9.3606% | 4,896 |
| Core capital (leverage) ratio | 9.2862% | 4,612 |
| Tier 1 risk-based capital ratio | 12.2438% | 5,385 |
| Total risk-based capital ratio | 13.5022% | 5,305 |
| Memoranda: | ||
| Average total assets | $634,584,670 | 1,063 |
| Average earning assets | $611,894,000 | 1,013 |
| Average equity | $58,088,670 | 1,258 |
| Average total loans | $444,479,670 | 989 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 4,810 |
| Cost of funding earning assets | 0.4365% | 3,579 |
| Net interest margin | 3.2743% | 4,649 |
| Noninterest income to average assets | 0.2308% | 5,505 |
| Noninterest expense to average assets | 2.0488% | 5,789 |
| Loan and lease loss provision to assets | 0.3243% | 564 |
| Net operating income to assets | 1.0200% | 2,130 |
| Return on assets (ROA) | 1.0219% | 2,187 |
| Pretax return on assets | 1.0219% | 3,243 |
| Return on Equity (ROE) | 11.2942% | 1,606 |
| Retained earnings to average equity (ytd only) | 8.6657% | 1,354 |
| Net charge-offs to loans | 0.0247% | 3,077 |
| Credit loss provision to net charge-offs | 1,888.8889% | 178 |
| Earnings coverage of net charge-offs (x) | 78.2963% | 548 |
| Efficiency ratio | 60.3823% | 5,352 |
| Assets per employee ($millions) | 6.4512% | 1,040 |
| Cash dividends to net income (ytd only)* | 23.2732% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 1,269 |
| Loan loss allowance to noncurrent loans | 1,412.8936% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 4,963 |
| Noncurrent loans to loans | 0.1509% | 5,632 |
| Net loans and leases to total assets | 67.7293% | 2,264 |
| Net loans and leases to deposits | 78.2326% | 2,520 |
| Net loans and leases to core deposits | 104.8340% | 805 |
| Total domestic deposits to total assets | 86.5743% | 3,061 |
| Equity capital to assets | 9.2209% | 4,849 |
| Core capital (leverage) ratio | 9.2795% | 4,605 |
| Tier 1 risk-based capital ratio | 12.1595% | 5,537 |
| Total risk-based capital ratio | 13.4178% | 5,457 |
| Memoranda: | ||
| Average total assets | $629,046,000 | 1,081 |
| Average earning assets | $607,515,500 | 1,033 |
| Average equity | $56,914,000 | 1,279 |
| Average total loans | $437,127,500 | 1,013 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 5,189 |
| Cost of funding earning assets | 0.4687% | 3,928 |
| Net interest margin | 3.2132% | 4,960 |
| Noninterest income to average assets | 0.1276% | 6,295 |
| Noninterest expense to average assets | 2.0218% | 5,988 |
| Loan and lease loss provision to assets | 0.3038% | 1,106 |
| Net operating income to assets | 0.8989% | 2,791 |
| Return on assets (ROA) | 0.9091% | 2,819 |
| Pretax return on assets | 0.9091% | 3,728 |
| Return on Equity (ROE) | 10.2710% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.2729% | 3,135 |
| Net charge-offs to loans | 0.4048% | 1,663 |
| Credit loss provision to net charge-offs | 114.4068% | 2,111 |
| Earnings coverage of net charge-offs (x) | 4.5291% | 3,542 |
| Efficiency ratio | 62.7019% | 5,101 |
| Assets per employee ($millions) | 6.0728% | 1,225 |
| Cash dividends to net income (ytd only)* | 58.3982% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0684% | 1,399 |
| Loan loss allowance to noncurrent loans | 949.1507% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 4,917 |
| Noncurrent loans to loans | 0.2179% | 5,532 |
| Net loans and leases to total assets | 68.3417% | 2,295 |
| Net loans and leases to deposits | 80.1682% | 2,436 |
| Net loans and leases to core deposits | 102.2561% | 1,007 |
| Total domestic deposits to total assets | 85.2479% | 3,619 |
| Equity capital to assets | 8.8691% | 5,180 |
| Core capital (leverage) ratio | 9.1443% | 4,791 |
| Tier 1 risk-based capital ratio | 11.9354% | 5,654 |
| Total risk-based capital ratio | 13.1932% | 5,594 |
| Memoranda: | ||
| Average total assets | $622,128,200 | 1,071 |
| Average earning assets | $599,590,800 | 1,020 |
| Average equity | $55,067,400 | 1,297 |
| Average total loans | $408,061,600 | 1,045 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 5,315 |
| Cost of funding earning assets | 0.4769% | 4,003 |
| Net interest margin | 3.1678% | 5,089 |
| Noninterest income to average assets | 0.1843% | 6,090 |
| Noninterest expense to average assets | 2.0094% | 5,994 |
| Loan and lease loss provision to assets | 0.3147% | 1,076 |
| Net operating income to assets | 0.9122% | 2,768 |
| Return on assets (ROA) | 0.9154% | 2,856 |
| Pretax return on assets | 0.9154% | 3,812 |
| Return on Equity (ROE) | 10.3470% | 2,052 |
| Retained earnings to average equity (ytd only) | 2.6472% | 4,739 |
| Net charge-offs to loans | 0.0136% | 4,865 |
| Credit loss provision to net charge-offs | 3,585.3659% | 95 |
| Earnings coverage of net charge-offs (x) | 139.7684% | 393 |
| Efficiency ratio | 62.0890% | 5,125 |
| Assets per employee ($millions) | 6.3356% | 1,016 |
| Cash dividends to net income (ytd only)* | 74.4153% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4005% | 1,049 |
| Loan loss allowance to noncurrent loans | 988.4878% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 4,999 |
| Noncurrent loans to loans | 0.2429% | 5,625 |
| Net loans and leases to total assets | 66.3466% | 2,578 |
| Net loans and leases to deposits | 82.5196% | 2,069 |
| Net loans and leases to core deposits | 110.8534% | 547 |
| Total domestic deposits to total assets | 80.4010% | 5,388 |
| Equity capital to assets | 8.5692% | 5,661 |
| Core capital (leverage) ratio | 8.9741% | 5,164 |
| Tier 1 risk-based capital ratio | 11.9484% | 5,806 |
| Total risk-based capital ratio | 13.2118% | 5,738 |
| Memoranda: | ||
| Average total assets | $622,804,500 | 1,079 |
| Average earning assets | $600,019,500 | 1,027 |
| Average equity | $55,100,000 | 1,304 |
| Average total loans | $402,010,750 | 1,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 5,334 |
| Cost of funding earning assets | 0.4888% | 4,002 |
| Net interest margin | 3.1469% | 5,130 |
| Noninterest income to average assets | 0.1614% | 6,248 |
| Noninterest expense to average assets | 2.0220% | 6,008 |
| Loan and lease loss provision to assets | 0.3368% | 1,016 |
| Net operating income to assets | 0.8302% | 3,147 |
| Return on assets (ROA) | 0.8312% | 3,300 |
| Pretax return on assets | 0.8312% | 4,195 |
| Return on Equity (ROE) | 9.2981% | 2,496 |
| Retained earnings to average equity (ytd only) | 2.6412% | 4,626 |
| Net charge-offs to loans | 0.0202% | 4,437 |
| Credit loss provision to net charge-offs | 2,625.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 90.9500% | 505 |
| Efficiency ratio | 63.4041% | 4,946 |
| Assets per employee ($millions) | 6.2534% | 1,048 |
| Cash dividends to net income (ytd only)* | 71.5940% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3783% | 1,120 |
| Loan loss allowance to noncurrent loans | 877.4164% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 4,806 |
| Noncurrent loans to loans | 0.2711% | 5,624 |
| Net loans and leases to total assets | 63.7566% | 2,954 |
| Net loans and leases to deposits | 75.4255% | 2,958 |
| Net loans and leases to core deposits | 105.5341% | 762 |
| Total domestic deposits to total assets | 84.5292% | 4,115 |
| Equity capital to assets | 8.6425% | 5,622 |
| Core capital (leverage) ratio | 8.7628% | 5,340 |
| Tier 1 risk-based capital ratio | 12.1975% | 5,681 |
| Total risk-based capital ratio | 13.4607% | 5,617 |
| Memoranda: | ||
| Average total assets | $623,443,330 | 1,075 |
| Average earning assets | $599,823,330 | 1,032 |
| Average equity | $55,731,670 | 1,296 |
| Average total loans | $395,324,330 | 1,083 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 5,278 |
| Cost of funding earning assets | 0.5150% | 3,928 |
| Net interest margin | 3.1471% | 5,105 |
| Noninterest income to average assets | 0.0700% | 6,671 |
| Noninterest expense to average assets | 1.9753% | 6,154 |
| Loan and lease loss provision to assets | 0.3374% | 994 |
| Net operating income to assets | 0.7769% | 3,298 |
| Return on assets (ROA) | 0.7769% | 3,433 |
| Pretax return on assets | 0.7769% | 4,268 |
| Return on Equity (ROE) | 8.5479% | 2,690 |
| Retained earnings to average equity (ytd only) | 2.1918% | 4,909 |
| Net charge-offs to loans | 0.0226% | 3,720 |
| Credit loss provision to net charge-offs | 2,386.3636% | 135 |
| Earnings coverage of net charge-offs (x) | 78.8182% | 475 |
| Efficiency ratio | 63.9351% | 5,018 |
| Assets per employee ($millions) | 6.5195% | 978 |
| Cash dividends to net income (ytd only)* | 74.3590% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 1,313 |
| Loan loss allowance to noncurrent loans | 993.0960% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 4,511 |
| Noncurrent loans to loans | 0.2377% | 5,819 |
| Net loans and leases to total assets | 61.4810% | 3,173 |
| Net loans and leases to deposits | 71.2985% | 3,281 |
| Net loans and leases to core deposits | 100.1707% | 940 |
| Total domestic deposits to total assets | 86.2304% | 3,398 |
| Equity capital to assets | 9.1384% | 5,327 |
| Core capital (leverage) ratio | 8.5029% | 5,588 |
| Tier 1 risk-based capital ratio | 12.4379% | 5,618 |
| Total risk-based capital ratio | 13.7004% | 5,558 |
| Memoranda: | ||
| Average total assets | $622,496,000 | 1,091 |
| Average earning assets | $597,240,000 | 1,046 |
| Average equity | $56,575,000 | 1,290 |
| Average total loans | $388,783,000 | 1,099 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 5,188 |
| Cost of funding earning assets | 0.7067% | 3,446 |
| Net interest margin | 3.3330% | 5,133 |
| Noninterest income to average assets | 0.2229% | 5,844 |
| Noninterest expense to average assets | 2.0093% | 6,303 |
| Loan and lease loss provision to assets | 0.5199% | 1,125 |
| Net operating income to assets | 0.8832% | 2,900 |
| Return on assets (ROA) | 0.9435% | 2,834 |
| Pretax return on assets | 0.9435% | 3,769 |
| Return on Equity (ROE) | 10.1613% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.0337% | 2,061 |
| Net charge-offs to loans | 0.9118% | 1,243 |
| Credit loss provision to net charge-offs | 87.7117% | 3,562 |
| Earnings coverage of net charge-offs (x) | 2.3672% | 4,226 |
| Efficiency ratio | 58.8819% | 5,710 |
| Assets per employee ($millions) | 6.5171% | 996 |
| Cash dividends to net income (ytd only)* | 40.6205% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,468 |
| Loan loss allowance to noncurrent loans | 917.0706% | 495 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 3,554 |
| Noncurrent loans to loans | 0.2449% | 5,866 |
| Net loans and leases to total assets | 60.5577% | 3,505 |
| Net loans and leases to deposits | 71.3307% | 3,516 |
| Net loans and leases to core deposits | 88.7380% | 2,002 |
| Total domestic deposits to total assets | 84.8971% | 3,907 |
| Equity capital to assets | 9.0389% | 5,478 |
| Core capital (leverage) ratio | 9.6346% | 3,914 |
| Tier 1 risk-based capital ratio | 12.9817% | 5,119 |
| Total risk-based capital ratio | 14.2441% | 5,051 |
| Memoranda: | ||
| Average total assets | $587,628,800 | 1,129 |
| Average earning assets | $562,317,600 | 1,078 |
| Average equity | $54,560,000 | 1,310 |
| Average total loans | $381,981,200 | 1,092 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 5,023 |
| Cost of funding earning assets | 0.7541% | 3,320 |
| Net interest margin | 3.3907% | 5,065 |
| Noninterest income to average assets | 0.2154% | 5,998 |
| Noninterest expense to average assets | 1.9723% | 6,398 |
| Loan and lease loss provision to assets | 0.4267% | 1,490 |
| Net operating income to assets | 1.0620% | 2,245 |
| Return on assets (ROA) | 1.1337% | 2,167 |
| Pretax return on assets | 1.1337% | 3,214 |
| Return on Equity (ROE) | 12.1240% | 1,594 |
| Retained earnings to average equity (ytd only) | 7.2828% | 1,952 |
| Net charge-offs to loans | 0.6040% | 1,826 |
| Credit loss provision to net charge-offs | 107.3086% | 2,738 |
| Earnings coverage of net charge-offs (x) | 3.7442% | 3,532 |
| Efficiency ratio | 56.9867% | 5,919 |
| Assets per employee ($millions) | 6.5613% | 922 |
| Cash dividends to net income (ytd only)* | 39.9309% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3225% | 1,473 |
| Loan loss allowance to noncurrent loans | 197.2933% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 3,208 |
| Noncurrent loans to loans | 1.1772% | 4,097 |
| Net loans and leases to total assets | 67.4278% | 2,379 |
| Net loans and leases to deposits | 84.9125% | 1,744 |
| Net loans and leases to core deposits | 107.5243% | 668 |
| Total domestic deposits to total assets | 79.4086% | 5,778 |
| Equity capital to assets | 9.8491% | 4,712 |
| Core capital (leverage) ratio | 9.3780% | 4,465 |
| Tier 1 risk-based capital ratio | 12.6866% | 5,486 |
| Total risk-based capital ratio | 13.9107% | 5,474 |
| Memoranda: | ||
| Average total assets | $578,126,000 | 1,158 |
| Average earning assets | $553,382,250 | 1,105 |
| Average equity | $54,062,250 | 1,330 |
| Average total loans | $380,582,500 | 1,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 5,220 |
| Cost of funding earning assets | 0.7570% | 3,546 |
| Net interest margin | 3.3682% | 5,208 |
| Noninterest income to average assets | 0.1867% | 6,232 |
| Noninterest expense to average assets | 1.9998% | 6,434 |
| Loan and lease loss provision to assets | 0.3631% | 1,819 |
| Net operating income to assets | 1.0474% | 2,257 |
| Return on assets (ROA) | 1.1505% | 2,089 |
| Pretax return on assets | 1.1505% | 3,118 |
| Return on Equity (ROE) | 12.5247% | 1,495 |
| Retained earnings to average equity (ytd only) | 6.2040% | 2,567 |
| Net charge-offs to loans | 0.0155% | 5,205 |
| Credit loss provision to net charge-offs | 3,620.6897% | 81 |
| Earnings coverage of net charge-offs (x) | 140.6552% | 318 |
| Efficiency ratio | 58.6392% | 5,783 |
| Assets per employee ($millions) | 6.2266% | 1,108 |
| Cash dividends to net income (ytd only)* | 50.4659% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 1,115 |
| Loan loss allowance to noncurrent loans | 134.4458% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 2,881 |
| Noncurrent loans to loans | 1.9580% | 2,993 |
| Net loans and leases to total assets | 64.8457% | 2,866 |
| Net loans and leases to deposits | 76.8895% | 2,856 |
| Net loans and leases to core deposits | 100.4285% | 1,069 |
| Total domestic deposits to total assets | 84.3363% | 4,172 |
| Equity capital to assets | 9.4963% | 5,065 |
| Core capital (leverage) ratio | 8.9052% | 5,041 |
| Tier 1 risk-based capital ratio | 12.6944% | 5,419 |
| Total risk-based capital ratio | 13.9209% | 5,418 |
| Memoranda: | ||
| Average total assets | $578,371,000 | 1,162 |
| Average earning assets | $553,522,000 | 1,098 |
| Average equity | $53,127,000 | 1,340 |
| Average total loans | $374,583,670 | 1,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 5,359 |
| Cost of funding earning assets | 0.7940% | 3,522 |
| Net interest margin | 3.3328% | 5,360 |
| Noninterest income to average assets | 0.1031% | 6,729 |
| Noninterest expense to average assets | 2.0304% | 6,411 |
| Loan and lease loss provision to assets | 0.3633% | 1,737 |
| Net operating income to assets | 0.8989% | 2,921 |
| Return on assets (ROA) | 1.0622% | 2,435 |
| Pretax return on assets | 1.0622% | 3,462 |
| Return on Equity (ROE) | 11.7635% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.7056% | 2,583 |
| Net charge-offs to loans | 0.0434% | 4,082 |
| Credit loss provision to net charge-offs | 1,312.5000% | 264 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 678 |
| Efficiency ratio | 61.6646% | 5,341 |
| Assets per employee ($millions) | 6.3127% | 1,085 |
| Cash dividends to net income (ytd only)* | 42.9967% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 1,287 |
| Loan loss allowance to noncurrent loans | 140.8731% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.9318% | 2,998 |
| Noncurrent loans to loans | 1.8111% | 3,394 |
| Net loans and leases to total assets | 60.6043% | 3,530 |
| Net loans and leases to deposits | 71.7029% | 3,474 |
| Net loans and leases to core deposits | 93.6376% | 1,496 |
| Total domestic deposits to total assets | 84.5214% | 4,262 |
| Equity capital to assets | 8.9228% | 5,606 |
| Core capital (leverage) ratio | 9.0537% | 4,759 |
| Tier 1 risk-based capital ratio | 12.6575% | 5,479 |
| Total risk-based capital ratio | 13.8819% | 5,459 |
| Memoranda: | ||
| Average total assets | $578,021,500 | 1,167 |
| Average earning assets | $553,169,500 | 1,101 |
| Average equity | $52,195,500 | 1,356 |
| Average total loans | $369,048,500 | 1,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 5,716 |
| Cost of funding earning assets | 0.9075% | 4,069 |
| Net interest margin | 3.4083% | 5,459 |
| Noninterest income to average assets | 0.1920% | 6,127 |
| Noninterest expense to average assets | 2.2703% | 6,117 |
| Loan and lease loss provision to assets | 0.5070% | 2,073 |
| Net operating income to assets | 0.6703% | 3,626 |
| Return on assets (ROA) | 0.8384% | 3,042 |
| Pretax return on assets | 0.8384% | 3,832 |
| Return on Equity (ROE) | 9.1303% | 2,394 |
| Retained earnings to average equity (ytd only) | 3.0656% | 4,047 |
| Net charge-offs to loans | 0.2703% | 4,083 |
| Credit loss provision to net charge-offs | 308.5489% | 755 |
| Earnings coverage of net charge-offs (x) | 7.1654% | 2,387 |
| Efficiency ratio | 65.8518% | 4,800 |
| Assets per employee ($millions) | 6.1801% | 1,115 |
| Cash dividends to net income (ytd only)* | 66.4242% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5279% | 1,278 |
| Loan loss allowance to noncurrent loans | 117.5918% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 2.2470% | 2,683 |
| Noncurrent loans to loans | 2.1497% | 3,010 |
| Net loans and leases to total assets | 64.0111% | 3,190 |
| Net loans and leases to deposits | 76.7318% | 3,052 |
| Net loans and leases to core deposits | 88.5396% | 2,315 |
| Total domestic deposits to total assets | 83.4218% | 4,582 |
| Equity capital to assets | 9.1481% | 5,358 |
| Core capital (leverage) ratio | 9.3077% | 4,318 |
| Tier 1 risk-based capital ratio | 12.2782% | 5,624 |
| Total risk-based capital ratio | 13.5003% | 5,619 |
| Memoranda: | ||
| Average total assets | $541,062,400 | 1,225 |
| Average earning assets | $516,823,800 | 1,160 |
| Average equity | $49,681,000 | 1,373 |
| Average total loans | $328,891,600 | 1,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 6,009 |
| Cost of funding earning assets | 0.9267% | 4,222 |
| Net interest margin | 3.3520% | 5,712 |
| Noninterest income to average assets | 0.2457% | 5,862 |
| Noninterest expense to average assets | 2.3074% | 6,011 |
| Loan and lease loss provision to assets | 0.5258% | 1,880 |
| Net operating income to assets | 0.6132% | 4,029 |
| Return on assets (ROA) | 0.8042% | 3,305 |
| Pretax return on assets | 0.8042% | 4,112 |
| Return on Equity (ROE) | 8.7501% | 2,708 |
| Retained earnings to average equity (ytd only) | 3.9066% | 3,940 |
| Net charge-offs to loans | 0.6467% | 2,311 |
| Credit loss provision to net charge-offs | 136.5681% | 2,331 |
| Earnings coverage of net charge-offs (x) | 2.9582% | 3,664 |
| Efficiency ratio | 66.9515% | 4,536 |
| Assets per employee ($millions) | 5.4309% | 1,668 |
| Cash dividends to net income (ytd only)* | 55.3539% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 1,683 |
| Loan loss allowance to noncurrent loans | 107.4647% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 2.7941% | 2,326 |
| Noncurrent loans to loans | 2.1438% | 3,195 |
| Net loans and leases to total assets | 64.4886% | 3,208 |
| Net loans and leases to deposits | 79.7726% | 2,685 |
| Net loans and leases to core deposits | 99.0324% | 1,332 |
| Total domestic deposits to total assets | 80.8406% | 5,485 |
| Equity capital to assets | 9.8731% | 4,517 |
| Core capital (leverage) ratio | 8.9227% | 5,061 |
| Tier 1 risk-based capital ratio | 12.5445% | 5,456 |
| Total risk-based capital ratio | 13.7620% | 5,470 |
| Memoranda: | ||
| Average total assets | $538,821,750 | 1,234 |
| Average earning assets | $514,507,750 | 1,177 |
| Average equity | $49,522,000 | 1,379 |
| Average total loans | $320,812,500 | 1,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 6,487 |
| Cost of funding earning assets | 0.9151% | 4,552 |
| Net interest margin | 3.1885% | 6,197 |
| Noninterest income to average assets | 0.2412% | 5,920 |
| Noninterest expense to average assets | 2.3032% | 6,117 |
| Loan and lease loss provision to assets | 0.3294% | 2,807 |
| Net operating income to assets | 0.6592% | 3,747 |
| Return on assets (ROA) | 0.6950% | 3,683 |
| Pretax return on assets | 0.6950% | 4,401 |
| Return on Equity (ROE) | 7.7432% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.0907% | 4,307 |
| Net charge-offs to loans | 0.2113% | 3,881 |
| Credit loss provision to net charge-offs | 271.0843% | 1,120 |
| Earnings coverage of net charge-offs (x) | 8.1355% | 2,110 |
| Efficiency ratio | 69.9689% | 4,126 |
| Assets per employee ($millions) | 5.9277% | 1,226 |
| Cash dividends to net income (ytd only)* | 60.0843% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2731% | 1,790 |
| Loan loss allowance to noncurrent loans | 74.0025% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.6529% | 2,515 |
| Noncurrent loans to loans | 3.0717% | 2,352 |
| Net loans and leases to total assets | 59.8931% | 4,292 |
| Net loans and leases to deposits | 74.7427% | 3,684 |
| Net loans and leases to core deposits | 95.1252% | 1,773 |
| Total domestic deposits to total assets | 80.1324% | 5,789 |
| Equity capital to assets | 8.9008% | 5,704 |
| Core capital (leverage) ratio | 8.4745% | 5,596 |
| Tier 1 risk-based capital ratio | 11.9219% | 5,847 |
| Total risk-based capital ratio | 13.1282% | 5,856 |
| Memoranda: | ||
| Average total assets | $546,449,330 | 1,225 |
| Average earning assets | $522,808,670 | 1,167 |
| Average equity | $49,049,670 | 1,377 |
| Average total loans | $314,227,330 | 1,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 6,742 |
| Cost of funding earning assets | 0.9826% | 4,329 |
| Net interest margin | 2.9891% | 6,597 |
| Noninterest income to average assets | 0.2468% | 5,924 |
| Noninterest expense to average assets | 2.3824% | 5,942 |
| Loan and lease loss provision to assets | 0.3345% | 2,555 |
| Net operating income to assets | 0.3880% | 5,003 |
| Return on assets (ROA) | 0.3955% | 5,065 |
| Pretax return on assets | 0.3955% | 5,357 |
| Return on Equity (ROE) | 4.3865% | 4,706 |
| Retained earnings to average equity (ytd only) | 0.3710% | 5,666 |
| Net charge-offs to loans | 0.0268% | 4,716 |
| Credit loss provision to net charge-offs | 2,250.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 591 |
| Efficiency ratio | 76.7297% | 3,025 |
| Assets per employee ($millions) | 6.3592% | 1,001 |
| Cash dividends to net income (ytd only)* | 91.5414% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 1,447 |
| Loan loss allowance to noncurrent loans | 81.2032% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 2.3048% | 2,942 |
| Noncurrent loans to loans | 3.0882% | 2,428 |
| Net loans and leases to total assets | 53.5417% | 5,375 |
| Net loans and leases to deposits | 64.3541% | 5,209 |
| Net loans and leases to core deposits | 83.9793% | 3,163 |
| Total domestic deposits to total assets | 83.1986% | 4,852 |
| Equity capital to assets | 8.6865% | 5,673 |
| Core capital (leverage) ratio | 8.4582% | 5,532 |
| Tier 1 risk-based capital ratio | 13.2323% | 4,632 |
| Total risk-based capital ratio | 14.4697% | 4,631 |
| Memoranda: | ||
| Average total assets | $538,110,500 | 1,251 |
| Average earning assets | $514,541,000 | 1,196 |
| Average equity | $48,513,000 | 1,376 |
| Average total loans | $298,781,500 | 1,465 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 6,684 |
| Cost of funding earning assets | 1.0465% | 5,448 |
| Net interest margin | 3.3174% | 5,920 |
| Noninterest income to average assets | 0.0425% | 7,146 |
| Noninterest expense to average assets | 2.2409% | 6,511 |
| Loan and lease loss provision to assets | 0.5221% | 3,063 |
| Net operating income to assets | 0.4220% | 4,452 |
| Return on assets (ROA) | 0.4645% | 4,418 |
| Pretax return on assets | 0.4645% | 4,747 |
| Return on Equity (ROE) | 4.8386% | 4,141 |
| Retained earnings to average equity (ytd only) | 0.9846% | 5,048 |
| Net charge-offs to loans | 0.2225% | 4,954 |
| Credit loss provision to net charge-offs | 408.0371% | 594 |
| Earnings coverage of net charge-offs (x) | 7.3787% | 2,144 |
| Efficiency ratio | 70.3589% | 4,099 |
| Assets per employee ($millions) | 5.6154% | 1,485 |
| Cash dividends to net income (ytd only)* | 79.6509% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5073% | 1,401 |
| Loan loss allowance to noncurrent loans | 90.9170% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 2.2347% | 3,049 |
| Noncurrent loans to loans | 2.7578% | 2,760 |
| Net loans and leases to total assets | 54.7713% | 5,529 |
| Net loans and leases to deposits | 65.6136% | 5,442 |
| Net loans and leases to core deposits | 74.0703% | 4,976 |
| Total domestic deposits to total assets | 83.4755% | 4,619 |
| Equity capital to assets | 9.3718% | 4,585 |
| Core capital (leverage) ratio | 9.7189% | 3,415 |
| Tier 1 risk-based capital ratio | 14.1341% | 3,779 |
| Total risk-based capital ratio | 15.3986% | 3,727 |
| Memoranda: | ||
| Average total assets | $505,690,800 | 1,323 |
| Average earning assets | $479,021,400 | 1,279 |
| Average equity | $48,546,800 | 1,374 |
| Average total loans | $290,756,600 | 1,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 6,746 |
| Cost of funding earning assets | 1.0862% | 5,509 |
| Net interest margin | 3.3554% | 5,826 |
| Noninterest income to average assets | 0.1659% | 6,680 |
| Noninterest expense to average assets | 2.4449% | 5,906 |
| Loan and lease loss provision to assets | 0.5249% | 2,835 |
| Net operating income to assets | 0.3703% | 4,883 |
| Return on assets (ROA) | 0.3703% | 5,067 |
| Pretax return on assets | 0.3703% | 5,312 |
| Return on Equity (ROE) | 3.8342% | 4,854 |
| Retained earnings to average equity (ytd only) | -0.4638% | 5,906 |
| Net charge-offs to loans | 0.2576% | 4,401 |
| Credit loss provision to net charge-offs | 352.3132% | 891 |
| Earnings coverage of net charge-offs (x) | 6.0089% | 2,619 |
| Efficiency ratio | 73.1984% | 3,481 |
| Assets per employee ($millions) | 5.7665% | 1,419 |
| Cash dividends to net income (ytd only)* | 112.0975% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2870% | 1,648 |
| Loan loss allowance to noncurrent loans | 159.9523% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.8093% | 3,737 |
| Noncurrent loans to loans | 1.4298% | 4,472 |
| Net loans and leases to total assets | 59.1154% | 5,081 |
| Net loans and leases to deposits | 71.2369% | 4,962 |
| Net loans and leases to core deposits | 82.5455% | 4,158 |
| Total domestic deposits to total assets | 82.9843% | 4,593 |
| Equity capital to assets | 10.1134% | 4,000 |
| Core capital (leverage) ratio | 9.3119% | 4,192 |
| Tier 1 risk-based capital ratio | 13.9158% | 3,904 |
| Total risk-based capital ratio | 15.1784% | 3,849 |
| Memoranda: | ||
| Average total assets | $502,960,000 | 1,343 |
| Average earning assets | $475,796,250 | 1,302 |
| Average equity | $48,579,500 | 1,385 |
| Average total loans | $290,887,500 | 1,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 6,959 |
| Cost of funding earning assets | 1.1034% | 5,653 |
| Net interest margin | 3.2617% | 6,128 |
| Noninterest income to average assets | 0.1123% | 7,041 |
| Noninterest expense to average assets | 2.3148% | 6,314 |
| Loan and lease loss provision to assets | 0.5185% | 2,714 |
| Net operating income to assets | 0.3688% | 4,898 |
| Return on assets (ROA) | 0.3688% | 5,060 |
| Pretax return on assets | 0.3688% | 5,313 |
| Return on Equity (ROE) | 3.8767% | 4,830 |
| Retained earnings to average equity (ytd only) | -0.5078% | 5,849 |
| Net charge-offs to loans | 0.2743% | 3,968 |
| Credit loss provision to net charge-offs | 331.6583% | 1,101 |
| Earnings coverage of net charge-offs (x) | 5.6759% | 2,617 |
| Efficiency ratio | 72.2890% | 3,769 |
| Assets per employee ($millions) | 5.6852% | 1,454 |
| Cash dividends to net income (ytd only)* | 113.0990% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 1,830 |
| Loan loss allowance to noncurrent loans | 107.7992% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7926% | 3,766 |
| Noncurrent loans to loans | 2.0113% | 3,701 |
| Net loans and leases to total assets | 54.7273% | 5,879 |
| Net loans and leases to deposits | 65.0631% | 5,911 |
| Net loans and leases to core deposits | 73.5152% | 5,496 |
| Total domestic deposits to total assets | 84.1142% | 4,062 |
| Equity capital to assets | 9.4974% | 4,705 |
| Core capital (leverage) ratio | 8.8785% | 4,792 |
| Tier 1 risk-based capital ratio | 14.0575% | 3,685 |
| Total risk-based capital ratio | 15.3181% | 3,646 |
| Memoranda: | ||
| Average total assets | $509,150,670 | 1,330 |
| Average earning assets | $482,325,000 | 1,290 |
| Average equity | $48,443,330 | 1,386 |
| Average total loans | $290,166,670 | 1,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 7,171 |
| Cost of funding earning assets | 1.1399% | 5,703 |
| Net interest margin | 3.1348% | 6,503 |
| Noninterest income to average assets | 0.0835% | 7,288 |
| Noninterest expense to average assets | 2.3273% | 6,311 |
| Loan and lease loss provision to assets | 0.5198% | 2,421 |
| Net operating income to assets | 0.2079% | 5,656 |
| Return on assets (ROA) | 0.2079% | 5,776 |
| Pretax return on assets | 0.2079% | 5,857 |
| Return on Equity (ROE) | 2.1833% | 5,688 |
| Retained earnings to average equity (ytd only) | -0.1075% | 5,860 |
| Net charge-offs to loans | 0.4970% | 2,572 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 3,271 |
| Efficiency ratio | 76.1794% | 3,183 |
| Assets per employee ($millions) | 5.3242% | 1,844 |
| Cash dividends to net income (ytd only)* | 104.9242% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 2,374 |
| Loan loss allowance to noncurrent loans | 93.0942% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.9487% | 3,563 |
| Noncurrent loans to loans | 2.0673% | 3,698 |
| Net loans and leases to total assets | 54.5094% | 5,961 |
| Net loans and leases to deposits | 65.0971% | 5,927 |
| Net loans and leases to core deposits | 74.4316% | 5,453 |
| Total domestic deposits to total assets | 83.7356% | 4,276 |
| Equity capital to assets | 9.3376% | 4,778 |
| Core capital (leverage) ratio | 9.0638% | 4,449 |
| Tier 1 risk-based capital ratio | 14.3056% | 3,489 |
| Total risk-based capital ratio | 15.5644% | 3,451 |
| Memoranda: | ||
| Average total assets | $507,893,000 | 1,362 |
| Average earning assets | $481,431,000 | 1,326 |
| Average equity | $48,367,500 | 1,392 |
| Average total loans | $292,136,500 | 1,611 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 7,086 |
| Cost of funding earning assets | 1.5074% | 5,480 |
| Net interest margin | 3.2247% | 6,010 |
| Noninterest income to average assets | 0.1588% | 6,935 |
| Noninterest expense to average assets | 2.4441% | 6,324 |
| Loan and lease loss provision to assets | 0.6952% | 3,040 |
| Net operating income to assets | 0.0412% | 5,360 |
| Return on assets (ROA) | 0.2178% | 4,902 |
| Pretax return on assets | 0.2178% | 4,964 |
| Return on Equity (ROE) | 2.3585% | 4,761 |
| Retained earnings to average equity (ytd only) | 0.0289% | 4,897 |
| Net charge-offs to loans | 0.5117% | 3,732 |
| Credit loss provision to net charge-offs | 215.8599% | 1,766 |
| Earnings coverage of net charge-offs (x) | 2.2866% | 4,015 |
| Efficiency ratio | 76.8462% | 3,381 |
| Assets per employee ($millions) | 5.3120% | 1,828 |
| Cash dividends to net income (ytd only)* | 98.7759% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 2,557 |
| Loan loss allowance to noncurrent loans | 95.8114% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 2.3955% | 2,904 |
| Noncurrent loans to loans | 1.8741% | 3,837 |
| Net loans and leases to total assets | 58.4989% | 5,579 |
| Net loans and leases to deposits | 70.5078% | 5,536 |
| Net loans and leases to core deposits | 81.2684% | 5,978 |
| Total domestic deposits to total assets | 82.9681% | 4,530 |
| Equity capital to assets | 9.7192% | 4,122 |
| Core capital (leverage) ratio | 10.0823% | 3,011 |
| Tier 1 risk-based capital ratio | 14.1220% | 3,429 |
| Total risk-based capital ratio | 15.3793% | 3,378 |
| Memoranda: | ||
| Average total assets | $487,496,200 | 1,419 |
| Average earning assets | $456,819,200 | 1,379 |
| Average equity | $45,027,800 | 1,493 |
| Average total loans | $306,845,200 | 1,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 7,147 |
| Cost of funding earning assets | 1.6154% | 5,329 |
| Net interest margin | 3.1713% | 6,115 |
| Noninterest income to average assets | 0.2149% | 6,698 |
| Noninterest expense to average assets | 2.5021% | 6,061 |
| Loan and lease loss provision to assets | 0.7983% | 2,368 |
| Net operating income to assets | -0.1188% | 5,919 |
| Return on assets (ROA) | 0.0848% | 5,562 |
| Pretax return on assets | 0.0848% | 5,555 |
| Return on Equity (ROE) | 0.9304% | 5,516 |
| Retained earnings to average equity (ytd only) | -2.2281% | 5,764 |
| Net charge-offs to loans | 0.5923% | 2,901 |
| Credit loss provision to net charge-offs | 211.2564% | 2,080 |
| Earnings coverage of net charge-offs (x) | 1.7981% | 4,454 |
| Efficiency ratio | 78.6441% | 3,059 |
| Assets per employee ($millions) | 5.4435% | 1,670 |
| Cash dividends to net income (ytd only)* | 339.4815% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,807 |
| Loan loss allowance to noncurrent loans | 61.8517% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.0989% | 2,214 |
| Noncurrent loans to loans | 2.6687% | 2,840 |
| Net loans and leases to total assets | 60.7737% | 5,458 |
| Net loans and leases to deposits | 74.2177% | 5,338 |
| Net loans and leases to core deposits | 85.1724% | 5,953 |
| Total domestic deposits to total assets | 81.8857% | 4,719 |
| Equity capital to assets | 9.7765% | 4,377 |
| Core capital (leverage) ratio | 9.1569% | 4,405 |
| Tier 1 risk-based capital ratio | 13.2470% | 4,020 |
| Total risk-based capital ratio | 14.4880% | 3,973 |
| Memoranda: | ||
| Average total assets | $485,866,750 | 1,436 |
| Average earning assets | $454,522,250 | 1,401 |
| Average equity | $44,281,250 | 1,536 |
| Average total loans | $309,987,250 | 1,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 7,200 |
| Cost of funding earning assets | 1.7441% | 5,050 |
| Net interest margin | 3.0709% | 6,333 |
| Noninterest income to average assets | 0.2601% | 6,419 |
| Noninterest expense to average assets | 2.6752% | 5,471 |
| Loan and lease loss provision to assets | 0.3963% | 3,542 |
| Net operating income to assets | 0.0528% | 5,701 |
| Return on assets (ROA) | 0.1556% | 5,497 |
| Pretax return on assets | 0.1556% | 5,558 |
| Return on Equity (ROE) | 1.7504% | 5,390 |
| Retained earnings to average equity (ytd only) | -1.3929% | 5,590 |
| Net charge-offs to loans | 0.2529% | 3,938 |
| Credit loss provision to net charge-offs | 243.0380% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.7544% | 3,707 |
| Efficiency ratio | 85.6256% | 2,265 |
| Assets per employee ($millions) | 5.0903% | 1,976 |
| Cash dividends to net income (ytd only)* | 179.5756% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,247 |
| Loan loss allowance to noncurrent loans | 31.8955% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 3.3958% | 1,845 |
| Noncurrent loans to loans | 4.0893% | 1,640 |
| Net loans and leases to total assets | 61.7599% | 5,396 |
| Net loans and leases to deposits | 74.4658% | 5,382 |
| Net loans and leases to core deposits | 86.5262% | 5,847 |
| Total domestic deposits to total assets | 82.9373% | 4,271 |
| Equity capital to assets | 8.6550% | 5,816 |
| Core capital (leverage) ratio | 8.2632% | 5,865 |
| Tier 1 risk-based capital ratio | 11.7605% | 5,138 |
| Total risk-based capital ratio | 12.9207% | 5,153 |
| Memoranda: | ||
| Average total assets | $484,518,670 | 1,462 |
| Average earning assets | $451,919,670 | 1,428 |
| Average equity | $43,076,330 | 1,581 |
| Average total loans | $312,405,000 | 1,587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 7,430 |
| Cost of funding earning assets | 1.8427% | 4,909 |
| Net interest margin | 2.9099% | 6,723 |
| Noninterest income to average assets | 0.3101% | 5,962 |
| Noninterest expense to average assets | 2.5155% | 5,782 |
| Loan and lease loss provision to assets | 0.4001% | 2,923 |
| Net operating income to assets | 0.1217% | 5,913 |
| Return on assets (ROA) | 0.1217% | 6,081 |
| Pretax return on assets | 0.1217% | 6,115 |
| Return on Equity (ROE) | 1.3504% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.3330% | 5,527 |
| Net charge-offs to loans | -0.0038% | 7,153 |
| Credit loss provision to net charge-offs | -16,000.0000% | 6,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8211% | 2,434 |
| Assets per employee ($millions) | 5.1120% | 1,945 |
| Cash dividends to net income (ytd only)* | 75.3425% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,277 |
| Loan loss allowance to noncurrent loans | 35.8876% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 3.1467% | 1,785 |
| Noncurrent loans to loans | 3.5377% | 1,791 |
| Net loans and leases to total assets | 60.6640% | 5,552 |
| Net loans and leases to deposits | 72.9613% | 5,621 |
| Net loans and leases to core deposits | 96.5969% | 4,890 |
| Total domestic deposits to total assets | 83.1455% | 4,070 |
| Equity capital to assets | 8.6305% | 5,871 |
| Core capital (leverage) ratio | 8.2177% | 6,066 |
| Tier 1 risk-based capital ratio | 11.8151% | 5,109 |
| Total risk-based capital ratio | 12.9476% | 5,128 |
| Memoranda: | ||
| Average total assets | $479,897,000 | 1,487 |
| Average earning assets | $449,770,000 | 1,437 |
| Average equity | $43,247,000 | 1,578 |
| Average total loans | $314,119,000 | 1,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3875% | 7,477 |
| Cost of funding earning assets | 2.2795% | 5,247 |
| Net interest margin | 3.1080% | 6,631 |
| Noninterest income to average assets | 0.3076% | 6,249 |
| Noninterest expense to average assets | 2.1682% | 7,063 |
| Loan and lease loss provision to assets | 0.4467% | 3,057 |
| Net operating income to assets | 0.5769% | 4,408 |
| Return on assets (ROA) | 0.5854% | 4,237 |
| Pretax return on assets | 0.5854% | 4,737 |
| Return on Equity (ROE) | 6.9455% | 3,560 |
| Retained earnings to average equity (ytd only) | 3.5219% | 2,948 |
| Net charge-offs to loans | 0.4845% | 2,417 |
| Credit loss provision to net charge-offs | 151.0944% | 3,471 |
| Earnings coverage of net charge-offs (x) | 3.4624% | 4,356 |
| Efficiency ratio | 67.9295% | 4,734 |
| Assets per employee ($millions) | 4.8785% | 2,076 |
| Cash dividends to net income (ytd only)* | 49.2919% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,336 |
| Loan loss allowance to noncurrent loans | 29.3744% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 3.0681% | 1,496 |
| Noncurrent loans to loans | 3.7179% | 1,352 |
| Net loans and leases to total assets | 69.1663% | 4,212 |
| Net loans and leases to deposits | 84.9320% | 4,265 |
| Net loans and leases to core deposits | 100.2819% | 4,800 |
| Total domestic deposits to total assets | 81.4373% | 4,444 |
| Equity capital to assets | 9.4370% | 4,777 |
| Core capital (leverage) ratio | 9.1115% | 4,581 |
| Tier 1 risk-based capital ratio | 11.9223% | 4,889 |
| Total risk-based capital ratio | 12.9262% | 4,974 |
| Memoranda: | ||
| Average total assets | $494,513,200 | 1,370 |
| Average earning assets | $458,910,800 | 1,359 |
| Average equity | $41,681,800 | 1,608 |
| Average total loans | $301,738,400 | 1,599 |