Home > Mabrey Bank > Performance and Condition Ratios
Mabrey 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 | 5.2687% | 1,543 |
| Cost of funding earning assets | 1.6649% | 1,528 |
| Net interest margin | 3.6038% | 1,959 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.8717% | 1,328 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7652% | 2,995 |
| Return on assets (ROA) | 0.7652% | 2,971 |
| Pretax return on assets | 1.0087% | 2,664 |
| Return on Equity (ROE) | 13.6600% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.4841% | 1,398 |
| Net charge-offs to loans | 0.0118% | 2,209 |
| Credit loss provision to net charge-offs | 377.6978% | 812 |
| Earnings coverage of net charge-offs (x) | 126.3669% | 794 |
| Efficiency ratio | 73.4166% | 1,518 |
| Assets per employee ($millions) | 6.4964% | 2,419 |
| Cash dividends to net income (ytd only)* | 37.9052% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 2,695 |
| Loan loss allowance to noncurrent loans | 950.4505% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 2,990 |
| Noncurrent loans to loans | 0.1184% | 2,932 |
| Net loans and leases to total assets | 68.9700% | 1,922 |
| Net loans and leases to deposits | 76.4128% | 2,413 |
| Net loans and leases to core deposits | 82.8293% | 2,535 |
| Total domestic deposits to total assets | 90.2600% | 693 |
| Equity capital to assets | 5.9362% | 4,246 |
| Core capital (leverage) ratio | 8.0190% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3908% | 2,455 |
| Memoranda: | ||
| Average total assets | $1,689,258,800 | 651 |
| Average earning assets | $1,597,693,000 | 633 |
| Average equity | $94,612,200 | 985 |
| Average total loans | $1,181,782,400 | 640 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 1,509 |
| Cost of funding earning assets | 1.5614% | 1,451 |
| Net interest margin | 3.6082% | 1,988 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.9071% | 1,215 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7503% | 3,173 |
| Return on assets (ROA) | 0.7503% | 3,166 |
| Pretax return on assets | 0.9901% | 2,882 |
| Return on Equity (ROE) | 13.6100% | 1,767 |
| Retained earnings to average equity (ytd only) | 8.3018% | 1,863 |
| Net charge-offs to loans | 0.0069% | 2,181 |
| Credit loss provision to net charge-offs | 368.8525% | 760 |
| Earnings coverage of net charge-offs (x) | 207.5574% | 581 |
| Efficiency ratio | 74.2532% | 1,344 |
| Assets per employee ($millions) | 6.4416% | 2,368 |
| Cash dividends to net income (ytd only)* | 38.9962% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 2,816 |
| Loan loss allowance to noncurrent loans | 1,308.5990% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,223 |
| Noncurrent loans to loans | 0.0848% | 3,155 |
| Net loans and leases to total assets | 69.6700% | 1,869 |
| Net loans and leases to deposits | 78.6456% | 2,178 |
| Net loans and leases to core deposits | 86.7973% | 2,133 |
| Total domestic deposits to total assets | 88.5800% | 1,383 |
| Equity capital to assets | 5.1170% | 4,231 |
| Core capital (leverage) ratio | 8.0170% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0822% | 2,585 |
| Memoranda: | ||
| Average total assets | $1,674,687,500 | 660 |
| Average earning assets | $1,582,823,500 | 643 |
| Average equity | $92,330,750 | 1,004 |
| Average total loans | $1,172,472,750 | 646 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,432 |
| Cost of funding earning assets | 1.4196% | 1,393 |
| Net interest margin | 3.6446% | 1,927 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.9302% | 1,154 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7701% | 3,165 |
| Return on assets (ROA) | 0.7701% | 3,176 |
| Pretax return on assets | 1.0240% | 2,847 |
| Return on Equity (ROE) | 13.6300% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.3889% | 1,853 |
| Net charge-offs to loans | 0.0043% | 2,137 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 409 |
| Efficiency ratio | 73.9345% | 1,352 |
| Assets per employee ($millions) | 6.4598% | 2,323 |
| Cash dividends to net income (ytd only)* | 38.4374% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,782 |
| Loan loss allowance to noncurrent loans | 1,178.4710% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,106 |
| Noncurrent loans to loans | 0.0961% | 3,018 |
| Net loans and leases to total assets | 68.1000% | 1,951 |
| Net loans and leases to deposits | 75.9980% | 2,312 |
| Net loans and leases to core deposits | 82.6927% | 2,281 |
| Total domestic deposits to total assets | 89.6100% | 1,048 |
| Equity capital to assets | 5.6093% | 4,267 |
| Core capital (leverage) ratio | 7.9563% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3541% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,655,321,000 | 652 |
| Average earning assets | $1,565,365,000 | 636 |
| Average equity | $93,552,000 | 989 |
| Average total loans | $1,156,385,333 | 639 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 1,357 |
| Cost of funding earning assets | 1.2253% | 1,390 |
| Net interest margin | 3.7080% | 1,882 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.9853% | 1,083 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7695% | 3,299 |
| Return on assets (ROA) | 0.7695% | 3,250 |
| Pretax return on assets | 1.0252% | 2,917 |
| Return on Equity (ROE) | 13.5600% | 1,867 |
| Retained earnings to average equity (ytd only) | 8.2443% | 2,153 |
| Net charge-offs to loans | 0.0035% | 1,876 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 423.7000% | 266 |
| Efficiency ratio | 74.0951% | 1,328 |
| Assets per employee ($millions) | 6.1873% | 2,592 |
| Cash dividends to net income (ytd only)* | 39.2125% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,675 |
| Loan loss allowance to noncurrent loans | 1,065.5556% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,047 |
| Noncurrent loans to loans | 0.1105% | 2,969 |
| Net loans and leases to total assets | 67.4300% | 1,906 |
| Net loans and leases to deposits | 73.8527% | 2,305 |
| Net loans and leases to core deposits | 79.5714% | 2,283 |
| Total domestic deposits to total assets | 91.3000% | 701 |
| Equity capital to assets | 5.6908% | 4,290 |
| Core capital (leverage) ratio | 8.3497% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6606% | 2,514 |
| Memoranda: | ||
| Average total assets | $1,623,833,500 | 676 |
| Average earning assets | $1,533,666,000 | 656 |
| Average equity | $92,136,000 | 1,012 |
| Average total loans | $1,142,762,500 | 648 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 1,297 |
| Cost of funding earning assets | 0.3858% | 2,215 |
| Net interest margin | 3.7888% | 1,182 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.9473% | 1,052 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.9585% | 2,732 |
| Return on assets (ROA) | 0.9585% | 2,681 |
| Pretax return on assets | 1.2575% | 2,248 |
| Return on Equity (ROE) | 15.4000% | 1,162 |
| Retained earnings to average equity (ytd only) | 10.6343% | 973 |
| Net charge-offs to loans | 0.3174% | 236 |
| Credit loss provision to net charge-offs | 80.4255% | 1,680 |
| Earnings coverage of net charge-offs (x) | 6.4570% | 2,333 |
| Efficiency ratio | 67.2324% | 2,054 |
| Assets per employee ($millions) | 6.1606% | 2,633 |
| Cash dividends to net income (ytd only)* | 30.9475% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 2,823 |
| Loan loss allowance to noncurrent loans | 589.2528% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,569 |
| Noncurrent loans to loans | 0.1892% | 2,540 |
| Net loans and leases to total assets | 71.8300% | 1,436 |
| Net loans and leases to deposits | 76.5793% | 2,059 |
| Net loans and leases to core deposits | 82.0693% | 2,002 |
| Total domestic deposits to total assets | 93.8000% | 265 |
| Equity capital to assets | 5.6562% | 4,193 |
| Core capital (leverage) ratio | 8.1387% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3315% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,584,510,200 | 678 |
| Average earning assets | $1,498,687,600 | 656 |
| Average equity | $98,615,000 | 953 |
| Average total loans | $1,110,503,400 | 624 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 1,279 |
| Cost of funding earning assets | 0.2702% | 2,482 |
| Net interest margin | 3.7231% | 1,086 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.8727% | 1,103 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.0052% | 2,462 |
| Return on assets (ROA) | 1.0052% | 2,430 |
| Pretax return on assets | 1.3208% | 1,978 |
| Return on Equity (ROE) | 15.7900% | 1,016 |
| Retained earnings to average equity (ytd only) | 11.1386% | 1,012 |
| Net charge-offs to loans | 0.4290% | 146 |
| Credit loss provision to net charge-offs | 65.8674% | 1,467 |
| Earnings coverage of net charge-offs (x) | 5.0917% | 2,154 |
| Efficiency ratio | 65.4407% | 2,351 |
| Assets per employee ($millions) | 6.1800% | 2,594 |
| Cash dividends to net income (ytd only)* | 29.4732% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 2,997 |
| Loan loss allowance to noncurrent loans | 1,438.3803% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,344 |
| Noncurrent loans to loans | 0.0768% | 3,323 |
| Net loans and leases to total assets | 69.6300% | 1,509 |
| Net loans and leases to deposits | 73.9137% | 2,058 |
| Net loans and leases to core deposits | 78.6451% | 1,999 |
| Total domestic deposits to total assets | 94.2000% | 331 |
| Equity capital to assets | 5.2527% | 4,206 |
| Core capital (leverage) ratio | 7.9886% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3402% | 2,706 |
| Memoranda: | ||
| Average total assets | $1,586,362,000 | 682 |
| Average earning assets | $1,502,670,250 | 661 |
| Average equity | $100,967,750 | 953 |
| Average total loans | $1,101,721,250 | 623 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 1,326 |
| Cost of funding earning assets | 0.1975% | 2,946 |
| Net interest margin | 3.5984% | 1,071 |
| Noninterest income to average assets | 0.9902% | 684 |
| Noninterest expense to average assets | 2.8473% | 1,086 |
| Loan and lease loss provision to assets | 0.2340% | 328 |
| Net operating income to assets | 1.0080% | 2,125 |
| Return on assets (ROA) | 1.0080% | 2,097 |
| Pretax return on assets | 1.3254% | 1,656 |
| Return on Equity (ROE) | 14.9732% | 899 |
| Retained earnings to average equity (ytd only) | 10.5820% | 883 |
| Net charge-offs to loans | 0.6473% | 96 |
| Credit loss provision to net charge-offs | 52.2913% | 1,483 |
| Earnings coverage of net charge-offs (x) | 3.4850% | 1,993 |
| Efficiency ratio | 64.6132% | 2,693 |
| Assets per employee ($millions) | 6.2848% | 2,492 |
| Cash dividends to net income (ytd only)* | 29.3273% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,288 |
| Loan loss allowance to noncurrent loans | 1,166.3033% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,348 |
| Noncurrent loans to loans | 0.0915% | 3,309 |
| Net loans and leases to total assets | 68.3322% | 1,455 |
| Net loans and leases to deposits | 72.9245% | 1,962 |
| Net loans and leases to core deposits | 76.8968% | 1,932 |
| Total domestic deposits to total assets | 93.7026% | 338 |
| Equity capital to assets | 5.8364% | 4,260 |
| Core capital (leverage) ratio | 7.9437% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1119% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,589,846,333 | 669 |
| Average earning assets | $1,509,495,333 | 658 |
| Average equity | $107,031,000 | 921 |
| Average total loans | $1,099,109,000 | 608 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 1,339 |
| Cost of funding earning assets | 0.1932% | 2,890 |
| Net interest margin | 3.4776% | 1,131 |
| Noninterest income to average assets | 0.5554% | 1,879 |
| Noninterest expense to average assets | 2.7548% | 1,245 |
| Loan and lease loss provision to assets | 0.0895% | 923 |
| Net operating income to assets | 0.7740% | 2,751 |
| Return on assets (ROA) | 0.7740% | 2,744 |
| Pretax return on assets | 1.0241% | 2,370 |
| Return on Equity (ROE) | 10.7755% | 1,694 |
| Retained earnings to average equity (ytd only) | 6.6513% | 2,009 |
| Net charge-offs to loans | -0.0051% | 3,344 |
| Credit loss provision to net charge-offs | -2,535.7143% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2135% | 2,078 |
| Assets per employee ($millions) | 6.2201% | 2,617 |
| Cash dividends to net income (ytd only)* | 38.2736% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,608 |
| Loan loss allowance to noncurrent loans | 2,461.5658% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,686 |
| Noncurrent loans to loans | 0.0508% | 3,618 |
| Net loans and leases to total assets | 68.3961% | 1,176 |
| Net loans and leases to deposits | 73.5297% | 1,652 |
| Net loans and leases to core deposits | 76.5502% | 1,743 |
| Total domestic deposits to total assets | 93.0183% | 270 |
| Equity capital to assets | 6.6000% | 4,385 |
| Core capital (leverage) ratio | 7.7565% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9966% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,586,603,500 | 673 |
| Average earning assets | $1,511,522,000 | 658 |
| Average equity | $113,962,500 | 896 |
| Average total loans | $1,097,375,000 | 608 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 1,382 |
| Cost of funding earning assets | 0.2456% | 2,984 |
| Net interest margin | 3.7426% | 1,115 |
| Noninterest income to average assets | 0.5340% | 2,421 |
| Noninterest expense to average assets | 2.7806% | 1,408 |
| Loan and lease loss provision to assets | 0.0392% | 2,255 |
| Net operating income to assets | 0.9694% | 2,798 |
| Return on assets (ROA) | 0.9694% | 2,856 |
| Pretax return on assets | 1.2739% | 2,444 |
| Return on Equity (ROE) | 12.4248% | 1,682 |
| Retained earnings to average equity (ytd only) | 8.6524% | 1,298 |
| Net charge-offs to loans | -0.0058% | 3,590 |
| Credit loss provision to net charge-offs | -967.7419% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9225% | 1,993 |
| Assets per employee ($millions) | 6.2735% | 2,505 |
| Cash dividends to net income (ytd only)* | 30.3623% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,567.5204% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,602 |
| Noncurrent loans to loans | 0.0790% | 3,534 |
| Net loans and leases to total assets | 68.2120% | 1,245 |
| Net loans and leases to deposits | 74.3125% | 1,703 |
| Net loans and leases to core deposits | 77.9091% | 1,770 |
| Total domestic deposits to total assets | 91.7907% | 238 |
| Equity capital to assets | 7.7744% | 4,480 |
| Core capital (leverage) ratio | 7.8957% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9986% | 2,891 |
| Memoranda: | ||
| Average total assets | $1,528,884,600 | 671 |
| Average earning assets | $1,454,182,400 | 659 |
| Average equity | $119,285,400 | 868 |
| Average total loans | $1,067,798,600 | 616 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 1,390 |
| Cost of funding earning assets | 0.2586% | 3,029 |
| Net interest margin | 3.8061% | 1,105 |
| Noninterest income to average assets | 0.5181% | 2,547 |
| Noninterest expense to average assets | 2.7155% | 1,550 |
| Loan and lease loss provision to assets | 0.0395% | 2,205 |
| Net operating income to assets | 1.0483% | 2,738 |
| Return on assets (ROA) | 1.0483% | 2,803 |
| Pretax return on assets | 1.3784% | 2,410 |
| Return on Equity (ROE) | 13.4239% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.6266% | 1,445 |
| Net charge-offs to loans | -0.0066% | 3,520 |
| Credit loss provision to net charge-offs | -849.0566% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6952% | 2,140 |
| Assets per employee ($millions) | 6.0550% | 2,640 |
| Cash dividends to net income (ytd only)* | 28.2877% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,815 |
| Loan loss allowance to noncurrent loans | 1,378.8601% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,663 |
| Noncurrent loans to loans | 0.0897% | 3,632 |
| Net loans and leases to total assets | 67.7462% | 1,347 |
| Net loans and leases to deposits | 73.8200% | 1,874 |
| Net loans and leases to core deposits | 78.5245% | 1,854 |
| Total domestic deposits to total assets | 91.7721% | 173 |
| Equity capital to assets | 7.7821% | 4,621 |
| Core capital (leverage) ratio | 7.7646% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2039% | 2,923 |
| Memoranda: | ||
| Average total assets | $1,517,442,500 | 685 |
| Average earning assets | $1,441,387,000 | 669 |
| Average equity | $118,501,750 | 883 |
| Average total loans | $1,062,856,500 | 633 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 1,121 |
| Cost of funding earning assets | 0.2798% | 2,981 |
| Net interest margin | 3.9530% | 884 |
| Noninterest income to average assets | 0.5149% | 2,566 |
| Noninterest expense to average assets | 2.7323% | 1,498 |
| Loan and lease loss provision to assets | 0.0400% | 2,204 |
| Net operating income to assets | 1.1226% | 2,459 |
| Return on assets (ROA) | 1.1226% | 2,529 |
| Pretax return on assets | 1.4918% | 2,040 |
| Return on Equity (ROE) | 14.3572% | 1,319 |
| Retained earnings to average equity (ytd only) | 10.5215% | 1,248 |
| Net charge-offs to loans | -0.0115% | 3,722 |
| Credit loss provision to net charge-offs | -491.8033% | 3,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0774% | 2,419 |
| Assets per employee ($millions) | 6.0970% | 2,524 |
| Cash dividends to net income (ytd only)* | 26.7157% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,898 |
| Loan loss allowance to noncurrent loans | 1,276.7216% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,691 |
| Noncurrent loans to loans | 0.0945% | 3,705 |
| Net loans and leases to total assets | 70.6998% | 1,126 |
| Net loans and leases to deposits | 77.1122% | 1,716 |
| Net loans and leases to core deposits | 83.9093% | 1,569 |
| Total domestic deposits to total assets | 91.6844% | 197 |
| Equity capital to assets | 7.8469% | 4,605 |
| Core capital (leverage) ratio | 7.6498% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1853% | 2,924 |
| Memoranda: | ||
| Average total assets | $1,500,507,333 | 686 |
| Average earning assets | $1,423,125,000 | 672 |
| Average equity | $117,321,333 | 884 |
| Average total loans | $1,058,564,000 | 637 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 829 |
| Cost of funding earning assets | 0.3080% | 2,911 |
| Net interest margin | 4.1507% | 664 |
| Noninterest income to average assets | 0.4963% | 2,628 |
| Noninterest expense to average assets | 2.7026% | 1,615 |
| Loan and lease loss provision to assets | 0.0403% | 2,244 |
| Net operating income to assets | 1.2648% | 1,935 |
| Return on assets (ROA) | 1.2648% | 2,011 |
| Pretax return on assets | 1.6826% | 1,530 |
| Return on Equity (ROE) | 16.2061% | 976 |
| Retained earnings to average equity (ytd only) | 12.3327% | 1,065 |
| Net charge-offs to loans | -0.0107% | 3,696 |
| Credit loss provision to net charge-offs | -535.7143% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0686% | 2,901 |
| Assets per employee ($millions) | 5.7551% | 2,846 |
| Cash dividends to net income (ytd only)* | 23.9006% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,875 |
| Loan loss allowance to noncurrent loans | 1,790.4828% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,967 |
| Noncurrent loans to loans | 0.0676% | 3,952 |
| Net loans and leases to total assets | 69.4560% | 1,362 |
| Net loans and leases to deposits | 75.4660% | 1,970 |
| Net loans and leases to core deposits | 80.5527% | 1,955 |
| Total domestic deposits to total assets | 92.0362% | 134 |
| Equity capital to assets | 7.5163% | 4,702 |
| Core capital (leverage) ratio | 7.8185% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4919% | 2,817 |
| Memoranda: | ||
| Average total assets | $1,488,634,000 | 683 |
| Average earning assets | $1,409,218,000 | 667 |
| Average equity | $116,178,500 | 885 |
| Average total loans | $1,042,442,000 | 649 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 1,384 |
| Cost of funding earning assets | 0.6001% | 2,307 |
| Net interest margin | 3.8711% | 1,302 |
| Noninterest income to average assets | 0.5589% | 2,378 |
| Noninterest expense to average assets | 2.8779% | 1,742 |
| Loan and lease loss provision to assets | 0.2879% | 1,318 |
| Net operating income to assets | 0.8090% | 3,059 |
| Return on assets (ROA) | 0.9952% | 2,450 |
| Pretax return on assets | 1.2927% | 2,003 |
| Return on Equity (ROE) | 12.1547% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.3147% | 1,276 |
| Net charge-offs to loans | 0.0267% | 2,501 |
| Credit loss provision to net charge-offs | 1,480.7692% | 567 |
| Earnings coverage of net charge-offs (x) | 69.1731% | 983 |
| Efficiency ratio | 68.1535% | 2,220 |
| Assets per employee ($millions) | 5.8087% | 2,536 |
| Cash dividends to net income (ytd only)* | 39.8197% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,594 |
| Loan loss allowance to noncurrent loans | 187.1510% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,116 |
| Noncurrent loans to loans | 0.6756% | 1,995 |
| Net loans and leases to total assets | 68.8506% | 1,713 |
| Net loans and leases to deposits | 75.4327% | 2,340 |
| Net loans and leases to core deposits | 82.0920% | 2,184 |
| Total domestic deposits to total assets | 91.2742% | 163 |
| Equity capital to assets | 8.1069% | 4,662 |
| Core capital (leverage) ratio | 7.7830% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6805% | 2,742 |
| Memoranda: | ||
| Average total assets | $1,337,402,400 | 686 |
| Average earning assets | $1,265,772,200 | 666 |
| Average equity | $109,505,000 | 892 |
| Average total loans | $973,573,000 | 661 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,229 |
| Cost of funding earning assets | 0.6581% | 2,279 |
| Net interest margin | 3.9707% | 1,180 |
| Noninterest income to average assets | 0.5587% | 2,355 |
| Noninterest expense to average assets | 2.8950% | 1,711 |
| Loan and lease loss provision to assets | 0.2598% | 1,558 |
| Net operating income to assets | 0.8711% | 2,818 |
| Return on assets (ROA) | 1.1248% | 2,018 |
| Pretax return on assets | 1.4858% | 1,475 |
| Return on Equity (ROE) | 13.7003% | 939 |
| Retained earnings to average equity (ytd only) | 8.7679% | 1,048 |
| Net charge-offs to loans | -0.0156% | 4,351 |
| Credit loss provision to net charge-offs | -2,256.6372% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0236% | 2,311 |
| Assets per employee ($millions) | 5.8331% | 2,415 |
| Cash dividends to net income (ytd only)* | 36.0022% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,130 |
| Loan loss allowance to noncurrent loans | 977.4486% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,945 |
| Noncurrent loans to loans | 0.1141% | 3,916 |
| Net loans and leases to total assets | 74.6083% | 1,294 |
| Net loans and leases to deposits | 81.9816% | 2,100 |
| Net loans and leases to core deposits | 92.9672% | 1,711 |
| Total domestic deposits to total assets | 91.0061% | 173 |
| Equity capital to assets | 8.2284% | 4,619 |
| Core capital (leverage) ratio | 8.0053% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,308,710,250 | 682 |
| Average earning assets | $1,239,483,000 | 664 |
| Average equity | $107,449,750 | 901 |
| Average total loans | $963,808,500 | 656 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 838 |
| Cost of funding earning assets | 0.7298% | 2,238 |
| Net interest margin | 4.2587% | 815 |
| Noninterest income to average assets | 0.5631% | 2,291 |
| Noninterest expense to average assets | 2.9107% | 1,797 |
| Loan and lease loss provision to assets | 0.3531% | 1,194 |
| Net operating income to assets | 0.9768% | 2,405 |
| Return on assets (ROA) | 1.3206% | 1,405 |
| Pretax return on assets | 1.7655% | 871 |
| Return on Equity (ROE) | 16.0978% | 549 |
| Retained earnings to average equity (ytd only) | 11.0284% | 600 |
| Net charge-offs to loans | -0.0335% | 4,577 |
| Credit loss provision to net charge-offs | -1,442.3077% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3566% | 2,903 |
| Assets per employee ($millions) | 6.0683% | 2,125 |
| Cash dividends to net income (ytd only)* | 31.4914% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,794 |
| Loan loss allowance to noncurrent loans | 715.0154% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,871 |
| Noncurrent loans to loans | 0.1604% | 3,812 |
| Net loans and leases to total assets | 70.2356% | 1,992 |
| Net loans and leases to deposits | 77.2024% | 2,736 |
| Net loans and leases to core deposits | 86.8660% | 2,362 |
| Total domestic deposits to total assets | 90.9760% | 151 |
| Equity capital to assets | 7.6809% | 4,835 |
| Core capital (leverage) ratio | 7.7452% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6906% | 2,735 |
| Memoranda: | ||
| Average total assets | $1,274,408,333 | 679 |
| Average earning assets | $1,206,279,000 | 661 |
| Average equity | $104,548,667 | 918 |
| Average total loans | $930,058,667 | 676 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,817 |
| Cost of funding earning assets | 0.8635% | 2,041 |
| Net interest margin | 3.7983% | 1,979 |
| Noninterest income to average assets | 0.6498% | 1,831 |
| Noninterest expense to average assets | 3.0766% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8561% | 2,679 |
| Return on assets (ROA) | 1.1100% | 1,907 |
| Pretax return on assets | 1.4824% | 1,349 |
| Return on Equity (ROE) | 13.0360% | 877 |
| Retained earnings to average equity (ytd only) | 7.8388% | 1,279 |
| Net charge-offs to loans | -0.0995% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6020% | 1,988 |
| Assets per employee ($millions) | 5.2080% | 2,416 |
| Cash dividends to net income (ytd only)* | 39.8677% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,445 |
| Loan loss allowance to noncurrent loans | 383.0288% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,584 |
| Noncurrent loans to loans | 0.2743% | 3,513 |
| Net loans and leases to total assets | 72.5996% | 1,843 |
| Net loans and leases to deposits | 79.8591% | 2,693 |
| Net loans and leases to core deposits | 93.3039% | 2,035 |
| Total domestic deposits to total assets | 90.9097% | 120 |
| Equity capital to assets | 8.4405% | 4,857 |
| Core capital (leverage) ratio | 8.4667% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8182% | 3,152 |
| Memoranda: | ||
| Average total assets | $1,198,587,000 | 693 |
| Average earning assets | $1,132,197,500 | 676 |
| Average equity | $102,056,000 | 930 |
| Average total loans | $888,480,500 | 679 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 1,773 |
| Cost of funding earning assets | 1.0319% | 1,589 |
| Net interest margin | 3.8607% | 2,302 |
| Noninterest income to average assets | 0.7016% | 1,816 |
| Noninterest expense to average assets | 3.1204% | 1,711 |
| Loan and lease loss provision to assets | 0.1012% | 2,034 |
| Net operating income to assets | 0.8537% | 3,382 |
| Return on assets (ROA) | 0.9449% | 3,125 |
| Pretax return on assets | 1.2375% | 2,712 |
| Return on Equity (ROE) | 11.4717% | 1,702 |
| Retained earnings to average equity (ytd only) | 7.9324% | 1,000 |
| Net charge-offs to loans | 0.1915% | 1,056 |
| Credit loss provision to net charge-offs | 70.8283% | 2,903 |
| Earnings coverage of net charge-offs (x) | 8.5630% | 2,761 |
| Efficiency ratio | 71.8386% | 1,893 |
| Assets per employee ($millions) | 4.9716% | 2,643 |
| Cash dividends to net income (ytd only)* | 30.8530% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,227 |
| Loan loss allowance to noncurrent loans | 250.8987% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,079 |
| Noncurrent loans to loans | 0.4177% | 2,947 |
| Net loans and leases to total assets | 74.1316% | 1,728 |
| Net loans and leases to deposits | 81.6411% | 2,595 |
| Net loans and leases to core deposits | 96.2176% | 1,883 |
| Total domestic deposits to total assets | 90.8018% | 143 |
| Equity capital to assets | 8.5921% | 4,873 |
| Core capital (leverage) ratio | 8.5427% | 4,822 |
| Tier 1 risk-based capital ratio | 10.8946% | 4,894 |
| Total risk-based capital ratio | 11.8955% | 4,898 |
| Memoranda: | ||
| Average total assets | $1,166,261,200 | 679 |
| Average earning assets | $1,100,178,400 | 663 |
| Average equity | $96,062,200 | 928 |
| Average total loans | $870,026,200 | 664 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 1,768 |
| Cost of funding earning assets | 1.0536% | 1,522 |
| Net interest margin | 3.8646% | 2,386 |
| Noninterest income to average assets | 0.6896% | 1,827 |
| Noninterest expense to average assets | 3.0979% | 1,717 |
| Loan and lease loss provision to assets | 0.1351% | 1,420 |
| Net operating income to assets | 0.8442% | 3,533 |
| Return on assets (ROA) | 0.9091% | 3,393 |
| Pretax return on assets | 1.1843% | 3,031 |
| Return on Equity (ROE) | 11.1583% | 1,949 |
| Retained earnings to average equity (ytd only) | 7.5747% | 1,589 |
| Net charge-offs to loans | 0.0167% | 2,807 |
| Credit loss provision to net charge-offs | 1,082.5688% | 325 |
| Earnings coverage of net charge-offs (x) | 99.1466% | 757 |
| Efficiency ratio | 71.4584% | 1,902 |
| Assets per employee ($millions) | 4.9109% | 2,651 |
| Cash dividends to net income (ytd only)* | 32.1159% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,503 |
| Loan loss allowance to noncurrent loans | 293.4605% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,182 |
| Noncurrent loans to loans | 0.4091% | 3,082 |
| Net loans and leases to total assets | 75.8246% | 1,517 |
| Net loans and leases to deposits | 84.4698% | 2,389 |
| Net loans and leases to core deposits | 97.2334% | 1,884 |
| Total domestic deposits to total assets | 89.7653% | 349 |
| Equity capital to assets | 8.5104% | 4,997 |
| Core capital (leverage) ratio | 8.4227% | 4,976 |
| Tier 1 risk-based capital ratio | 10.4737% | 5,082 |
| Total risk-based capital ratio | 11.6241% | 5,040 |
| Memoranda: | ||
| Average total assets | $1,164,501,500 | 678 |
| Average earning assets | $1,098,513,750 | 664 |
| Average equity | $94,875,000 | 939 |
| Average total loans | $867,783,000 | 668 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 1,860 |
| Cost of funding earning assets | 1.0614% | 1,445 |
| Net interest margin | 3.8041% | 2,576 |
| Noninterest income to average assets | 0.6672% | 1,846 |
| Noninterest expense to average assets | 3.1623% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8419% | 3,505 |
| Return on assets (ROA) | 0.8419% | 3,561 |
| Pretax return on assets | 1.0985% | 3,236 |
| Return on Equity (ROE) | 10.4903% | 2,179 |
| Retained earnings to average equity (ytd only) | 6.8478% | 1,879 |
| Net charge-offs to loans | 0.0149% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 99.8125% | 698 |
| Efficiency ratio | 74.2191% | 1,616 |
| Assets per employee ($millions) | 4.8918% | 2,612 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,069 |
| Loan loss allowance to noncurrent loans | 737.1844% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 4,001 |
| Noncurrent loans to loans | 0.1491% | 4,015 |
| Net loans and leases to total assets | 74.7708% | 1,756 |
| Net loans and leases to deposits | 82.6614% | 2,655 |
| Net loans and leases to core deposits | 93.8631% | 2,252 |
| Total domestic deposits to total assets | 90.4543% | 200 |
| Equity capital to assets | 8.3765% | 5,088 |
| Core capital (leverage) ratio | 8.2539% | 5,080 |
| Tier 1 risk-based capital ratio | 10.5711% | 5,076 |
| Total risk-based capital ratio | 11.6336% | 5,064 |
| Memoranda: | ||
| Average total assets | $1,163,066,670 | 678 |
| Average earning assets | $1,098,709,000 | 662 |
| Average equity | $93,343,330 | 947 |
| Average total loans | $858,040,000 | 676 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 1,910 |
| Cost of funding earning assets | 1.0498% | 1,378 |
| Net interest margin | 3.7467% | 2,720 |
| Noninterest income to average assets | 0.6631% | 1,763 |
| Noninterest expense to average assets | 3.2895% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7015% | 3,925 |
| Return on assets (ROA) | 0.7015% | 3,971 |
| Pretax return on assets | 0.9055% | 3,751 |
| Return on Equity (ROE) | 8.9352% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.2177% | 2,810 |
| Net charge-offs to loans | 0.0104% | 2,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 119.8636% | 593 |
| Efficiency ratio | 78.4153% | 1,221 |
| Assets per employee ($millions) | 5.0721% | 2,432 |
| Cash dividends to net income (ytd only)* | 41.6055% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,924 |
| Loan loss allowance to noncurrent loans | 135.5322% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 2,190 |
| Noncurrent loans to loans | 0.8390% | 1,957 |
| Net loans and leases to total assets | 71.5001% | 2,250 |
| Net loans and leases to deposits | 78.0956% | 3,048 |
| Net loans and leases to core deposits | 90.4692% | 2,448 |
| Total domestic deposits to total assets | 91.5546% | 96 |
| Equity capital to assets | 7.9328% | 5,200 |
| Core capital (leverage) ratio | 7.9792% | 5,212 |
| Tier 1 risk-based capital ratio | 10.5763% | 5,158 |
| Total risk-based capital ratio | 11.6668% | 5,114 |
| Memoranda: | ||
| Average total assets | $1,164,916,500 | 684 |
| Average earning assets | $1,098,130,500 | 665 |
| Average equity | $91,458,000 | 954 |
| Average total loans | $848,808,500 | 688 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 1,911 |
| Cost of funding earning assets | 0.7305% | 1,903 |
| Net interest margin | 3.9465% | 2,173 |
| Noninterest income to average assets | 0.6673% | 1,977 |
| Noninterest expense to average assets | 3.0264% | 1,992 |
| Loan and lease loss provision to assets | 0.0018% | 4,064 |
| Net operating income to assets | 0.8357% | 3,669 |
| Return on assets (ROA) | 0.8357% | 3,667 |
| Pretax return on assets | 1.3415% | 2,357 |
| Return on Equity (ROE) | 10.6031% | 2,246 |
| Retained earnings to average equity (ytd only) | 4.3940% | 3,122 |
| Net charge-offs to loans | 0.0088% | 3,379 |
| Credit loss provision to net charge-offs | 27.7778% | 3,359 |
| Earnings coverage of net charge-offs (x) | 206.0556% | 445 |
| Efficiency ratio | 69.2588% | 2,334 |
| Assets per employee ($millions) | 5.0575% | 2,424 |
| Cash dividends to net income (ytd only)* | 58.5590% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,850 |
| Loan loss allowance to noncurrent loans | 722.1891% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,095 |
| Noncurrent loans to loans | 0.1586% | 4,028 |
| Net loans and leases to total assets | 72.5761% | 2,160 |
| Net loans and leases to deposits | 85.5062% | 2,347 |
| Net loans and leases to core deposits | 97.4021% | 1,924 |
| Total domestic deposits to total assets | 84.8782% | 2,693 |
| Equity capital to assets | 7.7676% | 5,228 |
| Core capital (leverage) ratio | 7.9405% | 5,259 |
| Tier 1 risk-based capital ratio | 10.4858% | 5,187 |
| Total risk-based capital ratio | 11.5833% | 5,148 |
| Memoranda: | ||
| Average total assets | $1,104,434,000 | 697 |
| Average earning assets | $1,036,129,400 | 680 |
| Average equity | $87,050,200 | 960 |
| Average total loans | $818,658,600 | 684 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,012 |
| Cost of funding earning assets | 0.6352% | 2,240 |
| Net interest margin | 3.9525% | 2,118 |
| Noninterest income to average assets | 0.6739% | 1,963 |
| Noninterest expense to average assets | 2.9975% | 2,021 |
| Loan and lease loss provision to assets | 0.0024% | 3,919 |
| Net operating income to assets | 0.8025% | 3,890 |
| Return on assets (ROA) | 0.8025% | 3,896 |
| Pretax return on assets | 1.3828% | 2,291 |
| Return on Equity (ROE) | 10.1424% | 2,558 |
| Retained earnings to average equity (ytd only) | 5.4677% | 2,974 |
| Net charge-offs to loans | -0.0003% | 3,986 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3935% | 2,465 |
| Assets per employee ($millions) | 4.8551% | 2,654 |
| Cash dividends to net income (ytd only)* | 46.0907% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,814 |
| Loan loss allowance to noncurrent loans | 1,151.1190% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,438 |
| Noncurrent loans to loans | 0.1013% | 4,431 |
| Net loans and leases to total assets | 73.2273% | 2,127 |
| Net loans and leases to deposits | 84.5020% | 2,539 |
| Net loans and leases to core deposits | 98.8871% | 1,875 |
| Total domestic deposits to total assets | 86.6574% | 1,890 |
| Equity capital to assets | 7.7428% | 5,257 |
| Core capital (leverage) ratio | 8.1913% | 5,255 |
| Tier 1 risk-based capital ratio | 10.5379% | 5,229 |
| Total risk-based capital ratio | 11.6526% | 5,190 |
| Memoranda: | ||
| Average total assets | $1,092,266,500 | 704 |
| Average earning assets | $1,024,916,750 | 686 |
| Average equity | $86,420,500 | 964 |
| Average total loans | $811,679,000 | 688 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 2,287 |
| Cost of funding earning assets | 0.5192% | 2,851 |
| Net interest margin | 3.9211% | 2,136 |
| Noninterest income to average assets | 0.6729% | 1,989 |
| Noninterest expense to average assets | 3.0102% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6568% | 4,330 |
| Return on assets (ROA) | 0.6568% | 4,334 |
| Pretax return on assets | 1.3367% | 2,376 |
| Return on Equity (ROE) | 8.2633% | 3,385 |
| Retained earnings to average equity (ytd only) | 4.9353% | 3,109 |
| Net charge-offs to loans | -0.0008% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2491% | 2,439 |
| Assets per employee ($millions) | 4.8018% | 2,678 |
| Cash dividends to net income (ytd only)* | 40.2736% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,733 |
| Loan loss allowance to noncurrent loans | 1,416.8210% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,491 |
| Noncurrent loans to loans | 0.0846% | 4,531 |
| Net loans and leases to total assets | 73.6752% | 1,999 |
| Net loans and leases to deposits | 88.7975% | 2,009 |
| Net loans and leases to core deposits | 98.9760% | 1,818 |
| Total domestic deposits to total assets | 82.9699% | 3,415 |
| Equity capital to assets | 7.8363% | 5,289 |
| Core capital (leverage) ratio | 8.3235% | 5,199 |
| Tier 1 risk-based capital ratio | 10.3421% | 5,330 |
| Total risk-based capital ratio | 11.4709% | 5,293 |
| Memoranda: | ||
| Average total assets | $1,001,868,000 | 759 |
| Average earning assets | $938,722,330 | 746 |
| Average equity | $79,629,670 | 1,026 |
| Average total loans | $744,946,330 | 743 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,480 |
| Cost of funding earning assets | 0.4534% | 3,181 |
| Net interest margin | 3.8545% | 2,212 |
| Noninterest income to average assets | 0.7054% | 1,804 |
| Noninterest expense to average assets | 3.0418% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2423% | 5,196 |
| Return on assets (ROA) | 0.2423% | 5,195 |
| Pretax return on assets | 1.2736% | 2,464 |
| Return on Equity (ROE) | 3.0259% | 5,014 |
| Retained earnings to average equity (ytd only) | 0.5001% | 4,727 |
| Net charge-offs to loans | 0.0147% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 116.6296% | 536 |
| Efficiency ratio | 70.4873% | 2,418 |
| Assets per employee ($millions) | 4.6250% | 2,975 |
| Cash dividends to net income (ytd only)* | 83.4725% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,564 |
| Loan loss allowance to noncurrent loans | 676.8491% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 4,118 |
| Noncurrent loans to loans | 0.1835% | 4,139 |
| Net loans and leases to total assets | 73.5287% | 1,938 |
| Net loans and leases to deposits | 85.3952% | 2,246 |
| Net loans and leases to core deposits | 101.0915% | 1,605 |
| Total domestic deposits to total assets | 86.1041% | 2,504 |
| Equity capital to assets | 7.9742% | 5,280 |
| Core capital (leverage) ratio | 8.3451% | 5,235 |
| Tier 1 risk-based capital ratio | 10.5824% | 5,326 |
| Total risk-based capital ratio | 11.7598% | 5,258 |
| Memoranda: | ||
| Average total assets | $989,011,000 | 769 |
| Average earning assets | $926,287,500 | 759 |
| Average equity | $79,182,500 | 1,042 |
| Average total loans | $734,292,500 | 751 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,797 |
| Cost of funding earning assets | 0.3286% | 3,889 |
| Net interest margin | 3.8448% | 2,273 |
| Noninterest income to average assets | 0.6883% | 2,014 |
| Noninterest expense to average assets | 3.0904% | 1,887 |
| Loan and lease loss provision to assets | 0.0781% | 2,636 |
| Net operating income to assets | 1.1296% | 1,756 |
| Return on assets (ROA) | 1.1370% | 1,760 |
| Pretax return on assets | 1.1370% | 3,033 |
| Return on Equity (ROE) | 14.3914% | 704 |
| Retained earnings to average equity (ytd only) | 5.7874% | 1,665 |
| Net charge-offs to loans | 0.0948% | 2,134 |
| Credit loss provision to net charge-offs | 112.4438% | 2,320 |
| Earnings coverage of net charge-offs (x) | 17.3808% | 2,130 |
| Efficiency ratio | 71.9019% | 2,239 |
| Assets per employee ($millions) | 4.6181% | 3,002 |
| Cash dividends to net income (ytd only)* | 59.7856% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,444 |
| Loan loss allowance to noncurrent loans | 762.9260% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,337 |
| Noncurrent loans to loans | 0.1644% | 4,273 |
| Net loans and leases to total assets | 73.1080% | 2,077 |
| Net loans and leases to deposits | 87.0119% | 2,130 |
| Net loans and leases to core deposits | 102.8966% | 1,494 |
| Total domestic deposits to total assets | 84.0207% | 3,201 |
| Equity capital to assets | 8.0383% | 5,380 |
| Core capital (leverage) ratio | 8.4333% | 5,194 |
| Tier 1 risk-based capital ratio | 10.6683% | 5,309 |
| Total risk-based capital ratio | 11.8601% | 5,232 |
| Memoranda: | ||
| Average total assets | $959,928,800 | 770 |
| Average earning assets | $901,277,400 | 752 |
| Average equity | $75,837,200 | 1,063 |
| Average total loans | $703,518,400 | 741 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 2,853 |
| Cost of funding earning assets | 0.3122% | 4,004 |
| Net interest margin | 3.8235% | 2,306 |
| Noninterest income to average assets | 0.6798% | 2,083 |
| Noninterest expense to average assets | 3.0419% | 1,988 |
| Loan and lease loss provision to assets | 0.0714% | 2,651 |
| Net operating income to assets | 1.1620% | 1,837 |
| Return on assets (ROA) | 1.1800% | 1,821 |
| Pretax return on assets | 1.1800% | 2,986 |
| Return on Equity (ROE) | 15.0043% | 651 |
| Retained earnings to average equity (ytd only) | 6.5085% | 1,955 |
| Net charge-offs to loans | 0.1265% | 1,518 |
| Credit loss provision to net charge-offs | 77.1558% | 2,623 |
| Earnings coverage of net charge-offs (x) | 13.3344% | 2,357 |
| Efficiency ratio | 71.1518% | 2,343 |
| Assets per employee ($millions) | 4.5056% | 3,130 |
| Cash dividends to net income (ytd only)* | 56.6228% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,714 |
| Loan loss allowance to noncurrent loans | 627.6491% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 4,229 |
| Noncurrent loans to loans | 0.1970% | 4,292 |
| Net loans and leases to total assets | 73.7372% | 1,957 |
| Net loans and leases to deposits | 85.4459% | 2,371 |
| Net loans and leases to core deposits | 104.8238% | 1,344 |
| Total domestic deposits to total assets | 86.2969% | 2,180 |
| Equity capital to assets | 8.3101% | 5,389 |
| Core capital (leverage) ratio | 8.3509% | 5,340 |
| Tier 1 risk-based capital ratio | 10.7841% | 5,347 |
| Total risk-based capital ratio | 11.9687% | 5,290 |
| Memoranda: | ||
| Average total assets | $952,843,500 | 782 |
| Average earning assets | $896,020,250 | 759 |
| Average equity | $74,936,500 | 1,075 |
| Average total loans | $696,477,500 | 751 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 2,922 |
| Cost of funding earning assets | 0.2831% | 4,252 |
| Net interest margin | 3.7905% | 2,320 |
| Noninterest income to average assets | 0.6864% | 2,051 |
| Noninterest expense to average assets | 3.0297% | 2,046 |
| Loan and lease loss provision to assets | 0.0633% | 2,703 |
| Net operating income to assets | 1.1567% | 1,756 |
| Return on assets (ROA) | 1.1605% | 1,777 |
| Pretax return on assets | 1.1605% | 2,931 |
| Return on Equity (ROE) | 15.0462% | 650 |
| Retained earnings to average equity (ytd only) | 6.6994% | 1,742 |
| Net charge-offs to loans | 0.2880% | 706 |
| Credit loss provision to net charge-offs | 30.3030% | 2,721 |
| Earnings coverage of net charge-offs (x) | 5.8384% | 2,773 |
| Efficiency ratio | 71.2923% | 2,471 |
| Assets per employee ($millions) | 4.5163% | 3,077 |
| Cash dividends to net income (ytd only)* | 55.4747% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 3,002 |
| Loan loss allowance to noncurrent loans | 773.2291% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 4,376 |
| Noncurrent loans to loans | 0.1555% | 4,493 |
| Net loans and leases to total assets | 71.4703% | 2,286 |
| Net loans and leases to deposits | 82.2924% | 2,671 |
| Net loans and leases to core deposits | 99.8999% | 1,653 |
| Total domestic deposits to total assets | 86.8492% | 2,017 |
| Equity capital to assets | 8.1893% | 5,452 |
| Core capital (leverage) ratio | 8.3213% | 5,338 |
| Tier 1 risk-based capital ratio | 10.8515% | 5,325 |
| Total risk-based capital ratio | 11.9885% | 5,294 |
| Memoranda: | ||
| Average total assets | $947,555,000 | 791 |
| Average earning assets | $890,749,330 | 770 |
| Average equity | $73,081,670 | 1,095 |
| Average total loans | $687,555,670 | 762 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 2,930 |
| Cost of funding earning assets | 0.2620% | 4,437 |
| Net interest margin | 3.7679% | 2,232 |
| Noninterest income to average assets | 0.7065% | 1,936 |
| Noninterest expense to average assets | 3.0488% | 2,019 |
| Loan and lease loss provision to assets | 0.0640% | 2,521 |
| Net operating income to assets | 1.1321% | 1,740 |
| Return on assets (ROA) | 1.1381% | 1,754 |
| Pretax return on assets | 1.1381% | 2,833 |
| Return on Equity (ROE) | 15.2410% | 619 |
| Retained earnings to average equity (ytd only) | 6.5327% | 2,060 |
| Net charge-offs to loans | 0.0076% | 2,706 |
| Credit loss provision to net charge-offs | 1,153.8462% | 276 |
| Earnings coverage of net charge-offs (x) | 215.7692% | 262 |
| Efficiency ratio | 71.8232% | 2,609 |
| Assets per employee ($millions) | 4.3993% | 3,334 |
| Cash dividends to net income (ytd only)* | 57.1375% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,340 |
| Loan loss allowance to noncurrent loans | 133.6035% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 2,370 |
| Noncurrent loans to loans | 1.0019% | 2,048 |
| Net loans and leases to total assets | 71.9401% | 2,081 |
| Net loans and leases to deposits | 81.5171% | 2,569 |
| Net loans and leases to core deposits | 99.3392% | 1,555 |
| Total domestic deposits to total assets | 88.2515% | 1,560 |
| Equity capital to assets | 8.0790% | 5,484 |
| Core capital (leverage) ratio | 8.4103% | 5,292 |
| Tier 1 risk-based capital ratio | 10.8481% | 5,386 |
| Total risk-based capital ratio | 12.0983% | 5,308 |
| Memoranda: | ||
| Average total assets | $938,088,500 | 801 |
| Average earning assets | $880,912,500 | 781 |
| Average equity | $70,048,000 | 1,132 |
| Average total loans | $681,755,000 | 768 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 2,993 |
| Cost of funding earning assets | 0.2453% | 4,612 |
| Net interest margin | 3.8133% | 2,267 |
| Noninterest income to average assets | 0.7938% | 1,766 |
| Noninterest expense to average assets | 3.2826% | 1,614 |
| Loan and lease loss provision to assets | 0.0348% | 3,665 |
| Net operating income to assets | 1.0518% | 2,131 |
| Return on assets (ROA) | 1.1403% | 1,825 |
| Pretax return on assets | 1.1403% | 2,936 |
| Return on Equity (ROE) | 14.9813% | 630 |
| Retained earnings to average equity (ytd only) | 5.9785% | 1,714 |
| Net charge-offs to loans | 0.0281% | 3,466 |
| Credit loss provision to net charge-offs | 167.5978% | 1,651 |
| Earnings coverage of net charge-offs (x) | 52.2682% | 984 |
| Efficiency ratio | 75.1302% | 2,118 |
| Assets per employee ($millions) | 4.2872% | 3,454 |
| Cash dividends to net income (ytd only)* | 60.0937% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,303 |
| Loan loss allowance to noncurrent loans | 141.5344% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 2,498 |
| Noncurrent loans to loans | 0.9537% | 2,179 |
| Net loans and leases to total assets | 71.4521% | 2,253 |
| Net loans and leases to deposits | 83.4461% | 2,482 |
| Net loans and leases to core deposits | 99.7313% | 1,643 |
| Total domestic deposits to total assets | 85.6267% | 2,766 |
| Equity capital to assets | 6.8450% | 5,812 |
| Core capital (leverage) ratio | 7.4540% | 5,763 |
| Tier 1 risk-based capital ratio | 9.5879% | 5,810 |
| Total risk-based capital ratio | 10.8384% | 5,795 |
| Memoranda: | ||
| Average total assets | $861,028,000 | 843 |
| Average earning assets | $807,296,600 | 829 |
| Average equity | $65,535,200 | 1,200 |
| Average total loans | $637,889,800 | 781 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,009 |
| Cost of funding earning assets | 0.2451% | 4,649 |
| Net interest margin | 3.8132% | 2,283 |
| Noninterest income to average assets | 0.8230% | 1,675 |
| Noninterest expense to average assets | 3.2375% | 1,710 |
| Loan and lease loss provision to assets | 0.0474% | 3,302 |
| Net operating income to assets | 1.1133% | 1,936 |
| Return on assets (ROA) | 1.2339% | 1,609 |
| Pretax return on assets | 1.2339% | 2,689 |
| Return on Equity (ROE) | 15.7736% | 573 |
| Retained earnings to average equity (ytd only) | 6.8848% | 1,680 |
| Net charge-offs to loans | 0.0352% | 2,928 |
| Credit loss provision to net charge-offs | 180.7229% | 1,553 |
| Earnings coverage of net charge-offs (x) | 44.2466% | 1,163 |
| Efficiency ratio | 73.6095% | 2,356 |
| Assets per employee ($millions) | 4.0555% | 3,864 |
| Cash dividends to net income (ytd only)* | 56.3524% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 2,113 |
| Loan loss allowance to noncurrent loans | 134.2373% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 2,450 |
| Noncurrent loans to loans | 1.0576% | 2,130 |
| Net loans and leases to total assets | 71.8658% | 2,215 |
| Net loans and leases to deposits | 81.7772% | 2,761 |
| Net loans and leases to core deposits | 99.3807% | 1,696 |
| Total domestic deposits to total assets | 87.8800% | 1,462 |
| Equity capital to assets | 7.6856% | 5,810 |
| Core capital (leverage) ratio | 7.8527% | 5,741 |
| Tier 1 risk-based capital ratio | 9.9735% | 5,798 |
| Total risk-based capital ratio | 11.2246% | 5,760 |
| Memoranda: | ||
| Average total assets | $843,705,000 | 858 |
| Average earning assets | $791,059,750 | 843 |
| Average equity | $65,999,000 | 1,192 |
| Average total loans | $628,905,250 | 790 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 2,927 |
| Cost of funding earning assets | 0.2497% | 4,659 |
| Net interest margin | 3.8341% | 2,196 |
| Noninterest income to average assets | 0.8502% | 1,546 |
| Noninterest expense to average assets | 3.2790% | 1,637 |
| Loan and lease loss provision to assets | 0.0722% | 2,692 |
| Net operating income to assets | 1.0916% | 1,988 |
| Return on assets (ROA) | 1.2751% | 1,462 |
| Pretax return on assets | 1.2751% | 2,504 |
| Return on Equity (ROE) | 16.2009% | 513 |
| Retained earnings to average equity (ytd only) | 7.3396% | 1,457 |
| Net charge-offs to loans | 0.0144% | 3,249 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 107.5333% | 533 |
| Efficiency ratio | 73.8050% | 2,388 |
| Assets per employee ($millions) | 3.8871% | 4,109 |
| Cash dividends to net income (ytd only)* | 54.6963% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,912 |
| Loan loss allowance to noncurrent loans | 115.3337% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 2,115 |
| Noncurrent loans to loans | 1.2888% | 1,757 |
| Net loans and leases to total assets | 72.8503% | 2,031 |
| Net loans and leases to deposits | 82.9170% | 2,599 |
| Net loans and leases to core deposits | 96.6364% | 1,924 |
| Total domestic deposits to total assets | 87.8593% | 1,500 |
| Equity capital to assets | 7.9972% | 5,809 |
| Core capital (leverage) ratio | 7.8746% | 5,794 |
| Tier 1 risk-based capital ratio | 10.2188% | 5,784 |
| Total risk-based capital ratio | 11.4710% | 5,712 |
| Memoranda: | ||
| Average total assets | $831,592,000 | 870 |
| Average earning assets | $779,228,000 | 858 |
| Average equity | $65,453,000 | 1,200 |
| Average total loans | $624,687,330 | 796 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 2,923 |
| Cost of funding earning assets | 0.2551% | 4,648 |
| Net interest margin | 3.8268% | 2,200 |
| Noninterest income to average assets | 0.7564% | 1,793 |
| Noninterest expense to average assets | 3.2693% | 1,668 |
| Loan and lease loss provision to assets | 0.1088% | 1,904 |
| Net operating income to assets | 0.9604% | 2,459 |
| Return on assets (ROA) | 1.3292% | 1,271 |
| Pretax return on assets | 1.3292% | 2,190 |
| Return on Equity (ROE) | 17.0260% | 436 |
| Retained earnings to average equity (ytd only) | 7.7391% | 1,573 |
| Net charge-offs to loans | 0.0306% | 2,340 |
| Credit loss provision to net charge-offs | 468.7500% | 638 |
| Earnings coverage of net charge-offs (x) | 46.0833% | 932 |
| Efficiency ratio | 75.3565% | 2,275 |
| Assets per employee ($millions) | 3.7597% | 4,377 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 2,124 |
| Loan loss allowance to noncurrent loans | 127.1855% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 2,360 |
| Noncurrent loans to loans | 1.1542% | 2,094 |
| Net loans and leases to total assets | 74.5995% | 1,629 |
| Net loans and leases to deposits | 81.5567% | 2,599 |
| Net loans and leases to core deposits | 99.3456% | 1,535 |
| Total domestic deposits to total assets | 91.4695% | 163 |
| Equity capital to assets | 7.9027% | 5,856 |
| Core capital (leverage) ratio | 7.8310% | 5,839 |
| Tier 1 risk-based capital ratio | 10.0994% | 5,890 |
| Total risk-based capital ratio | 11.3514% | 5,823 |
| Memoranda: | ||
| Average total assets | $827,585,500 | 879 |
| Average earning assets | $774,652,000 | 865 |
| Average equity | $64,607,000 | 1,210 |
| Average total loans | $626,589,000 | 786 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,426 |
| Cost of funding earning assets | 0.2341% | 4,962 |
| Net interest margin | 4.0040% | 1,705 |
| Noninterest income to average assets | 0.8950% | 1,455 |
| Noninterest expense to average assets | 3.3605% | 1,576 |
| Loan and lease loss provision to assets | 0.1139% | 2,103 |
| Net operating income to assets | 1.1663% | 1,682 |
| Return on assets (ROA) | 1.1705% | 1,737 |
| Pretax return on assets | 1.1705% | 2,769 |
| Return on Equity (ROE) | 14.9208% | 695 |
| Retained earnings to average equity (ytd only) | 5.2404% | 2,247 |
| Net charge-offs to loans | 0.0497% | 3,210 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 33.7167% | 1,337 |
| Efficiency ratio | 72.4131% | 2,840 |
| Assets per employee ($millions) | 3.7638% | 4,350 |
| Cash dividends to net income (ytd only)* | 64.8789% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 2,315 |
| Loan loss allowance to noncurrent loans | 133.4821% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,509 |
| Noncurrent loans to loans | 1.0675% | 2,209 |
| Net loans and leases to total assets | 74.6360% | 1,623 |
| Net loans and leases to deposits | 87.0751% | 1,990 |
| Net loans and leases to core deposits | 105.2225% | 1,152 |
| Total domestic deposits to total assets | 85.7145% | 2,766 |
| Equity capital to assets | 7.7116% | 5,941 |
| Core capital (leverage) ratio | 7.8181% | 5,902 |
| Tier 1 risk-based capital ratio | 9.7456% | 6,010 |
| Total risk-based capital ratio | 10.9972% | 5,979 |
| Memoranda: | ||
| Average total assets | $790,086,600 | 875 |
| Average earning assets | $739,143,800 | 860 |
| Average equity | $61,980,400 | 1,215 |
| Average total loans | $603,893,200 | 773 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 2,408 |
| Cost of funding earning assets | 0.2361% | 5,029 |
| Net interest margin | 4.0127% | 1,656 |
| Noninterest income to average assets | 0.9110% | 1,421 |
| Noninterest expense to average assets | 3.3120% | 1,664 |
| Loan and lease loss provision to assets | 0.1154% | 1,956 |
| Net operating income to assets | 1.2391% | 1,528 |
| Return on assets (ROA) | 1.2400% | 1,585 |
| Pretax return on assets | 1.2400% | 2,652 |
| Return on Equity (ROE) | 15.7355% | 633 |
| Retained earnings to average equity (ytd only) | 5.8615% | 2,334 |
| Net charge-offs to loans | 0.0471% | 2,953 |
| Credit loss provision to net charge-offs | 319.9052% | 913 |
| Earnings coverage of net charge-offs (x) | 37.5398% | 1,307 |
| Efficiency ratio | 70.9726% | 3,053 |
| Assets per employee ($millions) | 3.6457% | 4,528 |
| Cash dividends to net income (ytd only)* | 62.7500% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 2,336 |
| Loan loss allowance to noncurrent loans | 857.2260% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 4,993 |
| Noncurrent loans to loans | 0.1701% | 4,973 |
| Net loans and leases to total assets | 74.4523% | 1,649 |
| Net loans and leases to deposits | 84.4450% | 2,351 |
| Net loans and leases to core deposits | 102.3309% | 1,358 |
| Total domestic deposits to total assets | 88.1665% | 1,469 |
| Equity capital to assets | 7.9039% | 5,991 |
| Core capital (leverage) ratio | 8.0543% | 5,871 |
| Tier 1 risk-based capital ratio | 10.0543% | 6,027 |
| Total risk-based capital ratio | 11.3061% | 5,976 |
| Memoranda: | ||
| Average total assets | $779,659,250 | 890 |
| Average earning assets | $729,706,750 | 876 |
| Average equity | $61,439,250 | 1,232 |
| Average total loans | $597,418,250 | 787 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,447 |
| Cost of funding earning assets | 0.2400% | 5,056 |
| Net interest margin | 3.9864% | 1,679 |
| Noninterest income to average assets | 0.9008% | 1,442 |
| Noninterest expense to average assets | 3.3010% | 1,703 |
| Loan and lease loss provision to assets | 0.1166% | 1,901 |
| Net operating income to assets | 1.2137% | 1,557 |
| Return on assets (ROA) | 1.2137% | 1,640 |
| Pretax return on assets | 1.2137% | 2,720 |
| Return on Equity (ROE) | 15.4176% | 675 |
| Retained earnings to average equity (ytd only) | 5.5472% | 2,511 |
| Net charge-offs to loans | 0.0262% | 3,153 |
| Credit loss provision to net charge-offs | 576.9231% | 569 |
| Earnings coverage of net charge-offs (x) | 65.8462% | 798 |
| Efficiency ratio | 71.2768% | 3,117 |
| Assets per employee ($millions) | 3.6663% | 4,505 |
| Cash dividends to net income (ytd only)* | 64.0205% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 2,578 |
| Loan loss allowance to noncurrent loans | 940.4301% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 5,170 |
| Noncurrent loans to loans | 0.1528% | 5,139 |
| Net loans and leases to total assets | 76.0876% | 1,357 |
| Net loans and leases to deposits | 84.7516% | 2,215 |
| Net loans and leases to core deposits | 101.2715% | 1,380 |
| Total domestic deposits to total assets | 89.7771% | 757 |
| Equity capital to assets | 7.7628% | 6,057 |
| Core capital (leverage) ratio | 7.8412% | 5,998 |
| Tier 1 risk-based capital ratio | 9.7780% | 6,152 |
| Total risk-based capital ratio | 11.0295% | 6,112 |
| Memoranda: | ||
| Average total assets | $772,194,000 | 902 |
| Average earning assets | $722,605,330 | 894 |
| Average equity | $60,787,670 | 1,258 |
| Average total loans | $594,562,330 | 792 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,422 |
| Cost of funding earning assets | 0.2400% | 5,130 |
| Net interest margin | 3.9681% | 1,660 |
| Noninterest income to average assets | 0.9050% | 1,371 |
| Noninterest expense to average assets | 3.3003% | 1,720 |
| Loan and lease loss provision to assets | 0.1178% | 1,752 |
| Net operating income to assets | 1.1992% | 1,552 |
| Return on assets (ROA) | 1.1992% | 1,651 |
| Pretax return on assets | 1.1992% | 2,675 |
| Return on Equity (ROE) | 15.1256% | 691 |
| Retained earnings to average equity (ytd only) | 4.2320% | 3,472 |
| Net charge-offs to loans | 0.0027% | 3,228 |
| Credit loss provision to net charge-offs | 5,625.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 629.0000% | 81 |
| Efficiency ratio | 71.4772% | 3,253 |
| Assets per employee ($millions) | 3.7476% | 4,428 |
| Cash dividends to net income (ytd only)* | 72.0210% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 2,819 |
| Loan loss allowance to noncurrent loans | 841.8217% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 5,231 |
| Noncurrent loans to loans | 0.1690% | 5,164 |
| Net loans and leases to total assets | 76.4053% | 1,158 |
| Net loans and leases to deposits | 83.5257% | 2,142 |
| Net loans and leases to core deposits | 101.7393% | 1,198 |
| Total domestic deposits to total assets | 91.4753% | 234 |
| Equity capital to assets | 7.8613% | 6,080 |
| Core capital (leverage) ratio | 7.9812% | 5,953 |
| Tier 1 risk-based capital ratio | 9.9400% | 6,186 |
| Total risk-based capital ratio | 11.1918% | 6,148 |
| Memoranda: | ||
| Average total assets | $764,161,500 | 912 |
| Average earning assets | $714,910,000 | 902 |
| Average equity | $60,586,000 | 1,264 |
| Average total loans | $587,587,000 | 798 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,560 |
| Cost of funding earning assets | 0.2707% | 5,093 |
| Net interest margin | 4.0419% | 1,766 |
| Noninterest income to average assets | 0.9077% | 1,475 |
| Noninterest expense to average assets | 3.3359% | 1,833 |
| Loan and lease loss provision to assets | 0.1232% | 2,127 |
| Net operating income to assets | 1.2012% | 1,583 |
| Return on assets (ROA) | 1.2506% | 1,492 |
| Pretax return on assets | 1.2506% | 2,438 |
| Return on Equity (ROE) | 15.8654% | 636 |
| Retained earnings to average equity (ytd only) | 6.4455% | 1,681 |
| Net charge-offs to loans | -0.1099% | 6,133 |
| Credit loss provision to net charge-offs | -152.8014% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5813% | 3,283 |
| Assets per employee ($millions) | 3.6528% | 4,624 |
| Cash dividends to net income (ytd only)* | 59.3740% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,619 |
| Loan loss allowance to noncurrent loans | 826.6535% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 5,282 |
| Noncurrent loans to loans | 0.1774% | 5,191 |
| Net loans and leases to total assets | 75.1346% | 1,396 |
| Net loans and leases to deposits | 85.0765% | 2,086 |
| Net loans and leases to core deposits | 99.2242% | 1,445 |
| Total domestic deposits to total assets | 88.3142% | 1,610 |
| Equity capital to assets | 7.9984% | 6,073 |
| Core capital (leverage) ratio | 8.2729% | 5,798 |
| Tier 1 risk-based capital ratio | 10.4457% | 6,128 |
| Total risk-based capital ratio | 11.6981% | 6,065 |
| Memoranda: | ||
| Average total assets | $730,597,800 | 921 |
| Average earning assets | $678,298,800 | 906 |
| Average equity | $57,590,600 | 1,269 |
| Average total loans | $535,981,600 | 823 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,669 |
| Cost of funding earning assets | 0.2794% | 5,101 |
| Net interest margin | 4.0125% | 1,843 |
| Noninterest income to average assets | 0.9154% | 1,470 |
| Noninterest expense to average assets | 3.2985% | 1,900 |
| Loan and lease loss provision to assets | 0.1240% | 2,016 |
| Net operating income to assets | 1.2118% | 1,638 |
| Return on assets (ROA) | 1.2778% | 1,499 |
| Pretax return on assets | 1.2778% | 2,467 |
| Return on Equity (ROE) | 16.2713% | 646 |
| Retained earnings to average equity (ytd only) | 7.9696% | 1,375 |
| Net charge-offs to loans | -0.2992% | 6,390 |
| Credit loss provision to net charge-offs | -57.0583% | 5,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1761% | 3,312 |
| Assets per employee ($millions) | 3.4406% | 4,975 |
| Cash dividends to net income (ytd only)* | 51.0205% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 2,256 |
| Loan loss allowance to noncurrent loans | 259.8217% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 4,188 |
| Noncurrent loans to loans | 0.6212% | 4,061 |
| Net loans and leases to total assets | 74.1182% | 1,506 |
| Net loans and leases to deposits | 83.1730% | 2,266 |
| Net loans and leases to core deposits | 98.1437% | 1,516 |
| Total domestic deposits to total assets | 89.1132% | 1,172 |
| Equity capital to assets | 8.2913% | 5,950 |
| Core capital (leverage) ratio | 8.2385% | 5,892 |
| Tier 1 risk-based capital ratio | 10.9404% | 6,023 |
| Total risk-based capital ratio | 12.1946% | 5,968 |
| Memoranda: | ||
| Average total assets | $726,043,250 | 934 |
| Average earning assets | $672,921,250 | 917 |
| Average equity | $57,015,000 | 1,291 |
| Average total loans | $527,228,500 | 838 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,957 |
| Cost of funding earning assets | 0.2821% | 5,158 |
| Net interest margin | 3.9163% | 2,092 |
| Noninterest income to average assets | 0.9089% | 1,469 |
| Noninterest expense to average assets | 3.2646% | 2,007 |
| Loan and lease loss provision to assets | 0.1236% | 1,997 |
| Net operating income to assets | 1.1461% | 1,770 |
| Return on assets (ROA) | 1.2365% | 1,550 |
| Pretax return on assets | 1.2365% | 2,516 |
| Return on Equity (ROE) | 16.0403% | 654 |
| Retained earnings to average equity (ytd only) | 8.2927% | 1,213 |
| Net charge-offs to loans | 0.1145% | 2,518 |
| Credit loss provision to net charge-offs | 150.5017% | 1,447 |
| Earnings coverage of net charge-offs (x) | 15.4649% | 1,848 |
| Efficiency ratio | 71.9978% | 3,342 |
| Assets per employee ($millions) | 3.5114% | 4,822 |
| Cash dividends to net income (ytd only)* | 48.3011% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,899 |
| Loan loss allowance to noncurrent loans | 69.0210% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 2,214 |
| Noncurrent loans to loans | 1.8712% | 1,835 |
| Net loans and leases to total assets | 72.9260% | 1,586 |
| Net loans and leases to deposits | 81.3289% | 2,343 |
| Net loans and leases to core deposits | 95.5825% | 1,637 |
| Total domestic deposits to total assets | 89.6680% | 984 |
| Equity capital to assets | 7.8984% | 6,209 |
| Core capital (leverage) ratio | 8.0678% | 6,046 |
| Tier 1 risk-based capital ratio | 10.6531% | 6,197 |
| Total risk-based capital ratio | 11.9032% | 6,144 |
| Memoranda: | ||
| Average total assets | $728,360,670 | 931 |
| Average earning assets | $674,266,330 | 916 |
| Average equity | $56,146,000 | 1,297 |
| Average total loans | $522,398,000 | 841 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 3,043 |
| Cost of funding earning assets | 0.2835% | 5,236 |
| Net interest margin | 3.8742% | 2,181 |
| Noninterest income to average assets | 0.9085% | 1,360 |
| Noninterest expense to average assets | 3.2128% | 2,190 |
| Loan and lease loss provision to assets | 0.1243% | 1,946 |
| Net operating income to assets | 1.1583% | 1,601 |
| Return on assets (ROA) | 1.3401% | 1,165 |
| Pretax return on assets | 1.3401% | 1,954 |
| Return on Equity (ROE) | 17.6050% | 470 |
| Retained earnings to average equity (ytd only) | 11.7972% | 634 |
| Net charge-offs to loans | 0.0861% | 2,291 |
| Credit loss provision to net charge-offs | 204.5455% | 1,019 |
| Earnings coverage of net charge-offs (x) | 21.1000% | 1,308 |
| Efficiency ratio | 71.4690% | 3,585 |
| Assets per employee ($millions) | 3.5589% | 4,810 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 3,869 |
| Loan loss allowance to noncurrent loans | 72.5689% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 2,508 |
| Noncurrent loans to loans | 1.8552% | 2,057 |
| Net loans and leases to total assets | 70.3059% | 1,837 |
| Net loans and leases to deposits | 76.7849% | 2,714 |
| Net loans and leases to core deposits | 92.4895% | 1,685 |
| Total domestic deposits to total assets | 91.5621% | 362 |
| Equity capital to assets | 7.7139% | 6,229 |
| Core capital (leverage) ratio | 8.0340% | 6,093 |
| Tier 1 risk-based capital ratio | 10.9451% | 6,173 |
| Total risk-based capital ratio | 12.1959% | 6,130 |
| Memoranda: | ||
| Average total assets | $723,846,500 | 941 |
| Average earning assets | $670,170,000 | 928 |
| Average equity | $55,098,000 | 1,309 |
| Average total loans | $511,205,000 | 861 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,507 |
| Cost of funding earning assets | 0.3221% | 5,403 |
| Net interest margin | 4.0988% | 1,642 |
| Noninterest income to average assets | 0.9143% | 1,635 |
| Noninterest expense to average assets | 3.4375% | 1,797 |
| Loan and lease loss provision to assets | 0.1307% | 2,678 |
| Net operating income to assets | 1.1315% | 1,828 |
| Return on assets (ROA) | 1.1326% | 1,888 |
| Pretax return on assets | 1.1326% | 2,838 |
| Return on Equity (ROE) | 14.6599% | 819 |
| Retained earnings to average equity (ytd only) | 5.2649% | 2,439 |
| Net charge-offs to loans | 0.4313% | 1,543 |
| Credit loss provision to net charge-offs | 43.3526% | 3,970 |
| Earnings coverage of net charge-offs (x) | 4.1879% | 3,645 |
| Efficiency ratio | 73.1443% | 3,269 |
| Assets per employee ($millions) | 3.4034% | 5,078 |
| Cash dividends to net income (ytd only)* | 64.0861% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 3,797 |
| Loan loss allowance to noncurrent loans | 120.6413% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 3,683 |
| Noncurrent loans to loans | 1.1358% | 3,270 |
| Net loans and leases to total assets | 69.0125% | 2,170 |
| Net loans and leases to deposits | 77.0015% | 2,854 |
| Net loans and leases to core deposits | 91.9532% | 1,800 |
| Total domestic deposits to total assets | 89.6248% | 1,258 |
| Equity capital to assets | 7.5081% | 6,281 |
| Core capital (leverage) ratio | 7.9326% | 6,183 |
| Tier 1 risk-based capital ratio | 10.9312% | 6,201 |
| Total risk-based capital ratio | 12.1821% | 6,154 |
| Memoranda: | ||
| Average total assets | $688,844,800 | 961 |
| Average earning assets | $636,155,000 | 954 |
| Average equity | $53,220,000 | 1,332 |
| Average total loans | $481,383,000 | 885 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 2,515 |
| Cost of funding earning assets | 0.3314% | 5,457 |
| Net interest margin | 4.0923% | 1,658 |
| Noninterest income to average assets | 0.9150% | 1,708 |
| Noninterest expense to average assets | 3.4692% | 1,678 |
| Loan and lease loss provision to assets | 0.1321% | 2,635 |
| Net operating income to assets | 1.0893% | 2,041 |
| Return on assets (ROA) | 1.0909% | 2,120 |
| Pretax return on assets | 1.0909% | 3,152 |
| Return on Equity (ROE) | 14.0152% | 994 |
| Retained earnings to average equity (ytd only) | 4.5896% | 3,408 |
| Net charge-offs to loans | 0.1621% | 2,937 |
| Credit loss provision to net charge-offs | 116.5803% | 2,021 |
| Earnings coverage of net charge-offs (x) | 10.7824% | 2,317 |
| Efficiency ratio | 73.9615% | 3,076 |
| Assets per employee ($millions) | 3.3806% | 5,103 |
| Cash dividends to net income (ytd only)* | 67.2526% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 2,731 |
| Loan loss allowance to noncurrent loans | 109.6076% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 3,377 |
| Noncurrent loans to loans | 1.5226% | 2,882 |
| Net loans and leases to total assets | 68.6776% | 2,205 |
| Net loans and leases to deposits | 76.1178% | 2,948 |
| Net loans and leases to core deposits | 91.3440% | 1,839 |
| Total domestic deposits to total assets | 90.2253% | 878 |
| Equity capital to assets | 7.5234% | 6,387 |
| Core capital (leverage) ratio | 8.1364% | 6,123 |
| Tier 1 risk-based capital ratio | 10.8705% | 6,336 |
| Total risk-based capital ratio | 12.1247% | 6,301 |
| Memoranda: | ||
| Average total assets | $681,526,500 | 983 |
| Average earning assets | $628,768,750 | 971 |
| Average equity | $53,045,750 | 1,349 |
| Average total loans | $476,109,750 | 892 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,393 |
| Cost of funding earning assets | 0.3442% | 5,457 |
| Net interest margin | 4.1029% | 1,534 |
| Noninterest income to average assets | 0.8777% | 1,901 |
| Noninterest expense to average assets | 3.5207% | 1,562 |
| Loan and lease loss provision to assets | 0.1332% | 2,654 |
| Net operating income to assets | 1.0070% | 2,302 |
| Return on assets (ROA) | 1.0094% | 2,422 |
| Pretax return on assets | 1.0094% | 3,468 |
| Return on Equity (ROE) | 12.8210% | 1,282 |
| Retained earnings to average equity (ytd only) | 3.4187% | 4,143 |
| Net charge-offs to loans | 0.1856% | 2,640 |
| Credit loss provision to net charge-offs | 102.7397% | 2,156 |
| Earnings coverage of net charge-offs (x) | 8.7922% | 2,368 |
| Efficiency ratio | 75.5352% | 2,853 |
| Assets per employee ($millions) | 3.1793% | 5,532 |
| Cash dividends to net income (ytd only)* | 73.3353% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 2,801 |
| Loan loss allowance to noncurrent loans | 105.4329% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 3,209 |
| Noncurrent loans to loans | 1.6062% | 2,899 |
| Net loans and leases to total assets | 69.5293% | 1,965 |
| Net loans and leases to deposits | 75.8217% | 2,903 |
| Net loans and leases to core deposits | 87.9619% | 2,114 |
| Total domestic deposits to total assets | 91.7011% | 311 |
| Equity capital to assets | 7.4737% | 6,451 |
| Core capital (leverage) ratio | 7.9838% | 6,198 |
| Tier 1 risk-based capital ratio | 11.1716% | 6,257 |
| Total risk-based capital ratio | 12.4265% | 6,224 |
| Memoranda: | ||
| Average total assets | $675,439,000 | 989 |
| Average earning assets | $622,824,000 | 985 |
| Average equity | $53,178,330 | 1,351 |
| Average total loans | $471,894,670 | 899 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 2,420 |
| Cost of funding earning assets | 0.3571% | 5,468 |
| Net interest margin | 4.0742% | 1,543 |
| Noninterest income to average assets | 0.8584% | 1,902 |
| Noninterest expense to average assets | 3.5152% | 1,593 |
| Loan and lease loss provision to assets | 0.1331% | 2,576 |
| Net operating income to assets | 0.9631% | 2,388 |
| Return on assets (ROA) | 0.9678% | 2,491 |
| Pretax return on assets | 0.9678% | 3,493 |
| Return on Equity (ROE) | 11.9895% | 1,429 |
| Retained earnings to average equity (ytd only) | 2.8288% | 4,589 |
| Net charge-offs to loans | 0.1985% | 2,224 |
| Credit loss provision to net charge-offs | 96.5665% | 1,919 |
| Earnings coverage of net charge-offs (x) | 7.9528% | 2,002 |
| Efficiency ratio | 76.2284% | 2,887 |
| Assets per employee ($millions) | 3.1790% | 5,673 |
| Cash dividends to net income (ytd only)* | 76.4059% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,026 |
| Loan loss allowance to noncurrent loans | 96.7676% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3617% | 3,233 |
| Noncurrent loans to loans | 1.7531% | 2,928 |
| Net loans and leases to total assets | 68.2754% | 1,961 |
| Net loans and leases to deposits | 74.7579% | 2,807 |
| Net loans and leases to core deposits | 89.0631% | 1,797 |
| Total domestic deposits to total assets | 91.3286% | 404 |
| Equity capital to assets | 7.8775% | 6,442 |
| Core capital (leverage) ratio | 7.9920% | 6,154 |
| Tier 1 risk-based capital ratio | 11.1802% | 6,326 |
| Total risk-based capital ratio | 12.4351% | 6,303 |
| Memoranda: | ||
| Average total assets | $676,156,000 | 996 |
| Average earning assets | $622,847,000 | 1,002 |
| Average equity | $54,581,000 | 1,335 |
| Average total loans | $469,490,000 | 902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 2,128 |
| Cost of funding earning assets | 0.4608% | 5,495 |
| Net interest margin | 4.3568% | 1,260 |
| Noninterest income to average assets | 0.8965% | 1,869 |
| Noninterest expense to average assets | 3.6662% | 1,475 |
| Loan and lease loss provision to assets | 0.2055% | 3,088 |
| Net operating income to assets | 1.0285% | 2,215 |
| Return on assets (ROA) | 1.0504% | 2,318 |
| Pretax return on assets | 1.0504% | 3,356 |
| Return on Equity (ROE) | 12.6048% | 1,333 |
| Retained earnings to average equity (ytd only) | 2.9242% | 4,168 |
| Net charge-offs to loans | 0.3433% | 2,915 |
| Credit loss provision to net charge-offs | 83.4363% | 3,717 |
| Earnings coverage of net charge-offs (x) | 5.0105% | 3,178 |
| Efficiency ratio | 74.8183% | 2,929 |
| Assets per employee ($millions) | 3.0128% | 5,999 |
| Cash dividends to net income (ytd only)* | 76.8005% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 2,799 |
| Loan loss allowance to noncurrent loans | 91.6449% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3942% | 3,309 |
| Noncurrent loans to loans | 1.8948% | 2,812 |
| Net loans and leases to total assets | 68.2109% | 2,150 |
| Net loans and leases to deposits | 75.1077% | 2,938 |
| Net loans and leases to core deposits | 88.3495% | 2,046 |
| Total domestic deposits to total assets | 90.8175% | 555 |
| Equity capital to assets | 8.2712% | 6,224 |
| Core capital (leverage) ratio | 8.0569% | 6,135 |
| Tier 1 risk-based capital ratio | 11.2774% | 6,227 |
| Total risk-based capital ratio | 12.5327% | 6,192 |
| Memoranda: | ||
| Average total assets | $657,007,400 | 1,004 |
| Average earning assets | $603,746,800 | 991 |
| Average equity | $54,749,200 | 1,307 |
| Average total loans | $471,340,400 | 867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 2,183 |
| Cost of funding earning assets | 0.4826% | 5,552 |
| Net interest margin | 4.3708% | 1,277 |
| Noninterest income to average assets | 0.9014% | 1,821 |
| Noninterest expense to average assets | 3.6357% | 1,486 |
| Loan and lease loss provision to assets | 0.2140% | 2,930 |
| Net operating income to assets | 1.0690% | 2,218 |
| Return on assets (ROA) | 1.0984% | 2,292 |
| Pretax return on assets | 1.0984% | 3,357 |
| Return on Equity (ROE) | 13.1557% | 1,299 |
| Retained earnings to average equity (ytd only) | 4.1215% | 4,001 |
| Net charge-offs to loans | 0.0814% | 4,584 |
| Credit loss provision to net charge-offs | 363.3218% | 737 |
| Earnings coverage of net charge-offs (x) | 21.7788% | 1,385 |
| Efficiency ratio | 73.9152% | 2,999 |
| Assets per employee ($millions) | 2.9037% | 6,214 |
| Cash dividends to net income (ytd only)* | 68.6711% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,163 |
| Loan loss allowance to noncurrent loans | 303.6072% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 5,234 |
| Noncurrent loans to loans | 0.6589% | 5,126 |
| Net loans and leases to total assets | 68.7730% | 2,159 |
| Net loans and leases to deposits | 76.0724% | 2,976 |
| Net loans and leases to core deposits | 90.3515% | 1,945 |
| Total domestic deposits to total assets | 90.4047% | 629 |
| Equity capital to assets | 8.6550% | 6,139 |
| Core capital (leverage) ratio | 8.3053% | 5,999 |
| Tier 1 risk-based capital ratio | 11.5376% | 6,208 |
| Total risk-based capital ratio | 12.7961% | 6,176 |
| Memoranda: | ||
| Average total assets | $654,050,000 | 1,014 |
| Average earning assets | $601,162,750 | 1,006 |
| Average equity | $54,606,250 | 1,316 |
| Average total loans | $473,105,000 | 874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 2,276 |
| Cost of funding earning assets | 0.5029% | 5,599 |
| Net interest margin | 4.3550% | 1,327 |
| Noninterest income to average assets | 0.9049% | 1,771 |
| Noninterest expense to average assets | 3.6189% | 1,543 |
| Loan and lease loss provision to assets | 0.2286% | 2,790 |
| Net operating income to assets | 1.0637% | 2,189 |
| Return on assets (ROA) | 1.1075% | 2,237 |
| Pretax return on assets | 1.1075% | 3,279 |
| Return on Equity (ROE) | 13.4276% | 1,248 |
| Retained earnings to average equity (ytd only) | 4.5596% | 3,569 |
| Net charge-offs to loans | 0.2587% | 3,024 |
| Credit loss provision to net charge-offs | 120.9677% | 2,268 |
| Earnings coverage of net charge-offs (x) | 6.8387% | 2,571 |
| Efficiency ratio | 73.6875% | 3,127 |
| Assets per employee ($millions) | 3.0026% | 6,065 |
| Cash dividends to net income (ytd only)* | 66.0429% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 2,785 |
| Loan loss allowance to noncurrent loans | 119.8498% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 4,010 |
| Noncurrent loans to loans | 1.5179% | 3,627 |
| Net loans and leases to total assets | 68.7979% | 2,137 |
| Net loans and leases to deposits | 76.4429% | 2,923 |
| Net loans and leases to core deposits | 91.8902% | 1,791 |
| Total domestic deposits to total assets | 89.9991% | 925 |
| Equity capital to assets | 8.2249% | 6,435 |
| Core capital (leverage) ratio | 7.9392% | 6,332 |
| Tier 1 risk-based capital ratio | 11.1496% | 6,430 |
| Total risk-based capital ratio | 13.6631% | 5,612 |
| Memoranda: | ||
| Average total assets | $656,226,000 | 1,007 |
| Average earning assets | $603,679,670 | 999 |
| Average equity | $54,127,330 | 1,316 |
| Average total loans | $479,336,670 | 862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 1,982 |
| Cost of funding earning assets | 0.5185% | 5,694 |
| Net interest margin | 4.4539% | 1,100 |
| Noninterest income to average assets | 0.8845% | 1,817 |
| Noninterest expense to average assets | 3.5994% | 1,557 |
| Loan and lease loss provision to assets | 0.2758% | 2,255 |
| Net operating income to assets | 1.1058% | 2,059 |
| Return on assets (ROA) | 1.1941% | 1,939 |
| Pretax return on assets | 1.1941% | 2,933 |
| Return on Equity (ROE) | 14.4560% | 1,091 |
| Retained earnings to average equity (ytd only) | 6.2930% | 2,798 |
| Net charge-offs to loans | 0.1094% | 3,475 |
| Credit loss provision to net charge-offs | 338.3459% | 890 |
| Earnings coverage of net charge-offs (x) | 16.9474% | 1,329 |
| Efficiency ratio | 72.2619% | 3,387 |
| Assets per employee ($millions) | 3.0084% | 6,136 |
| Cash dividends to net income (ytd only)* | 56.4682% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 3,003 |
| Loan loss allowance to noncurrent loans | 89.0331% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 3,501 |
| Noncurrent loans to loans | 2.0186% | 3,133 |
| Net loans and leases to total assets | 70.7378% | 1,625 |
| Net loans and leases to deposits | 78.8760% | 2,358 |
| Net loans and leases to core deposits | 96.9036% | 1,208 |
| Total domestic deposits to total assets | 89.6822% | 1,250 |
| Equity capital to assets | 8.1421% | 6,419 |
| Core capital (leverage) ratio | 8.0991% | 6,161 |
| Tier 1 risk-based capital ratio | 10.7660% | 6,640 |
| Total risk-based capital ratio | 13.2451% | 5,954 |
| Memoranda: | ||
| Average total assets | $652,549,000 | 1,011 |
| Average earning assets | $600,193,500 | 1,003 |
| Average equity | $53,901,500 | 1,309 |
| Average total loans | $486,511,000 | 846 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 1,556 |
| Cost of funding earning assets | 0.6326% | 5,909 |
| Net interest margin | 4.7202% | 720 |
| Noninterest income to average assets | 0.9910% | 1,394 |
| Noninterest expense to average assets | 3.6466% | 1,646 |
| Loan and lease loss provision to assets | 0.4577% | 2,307 |
| Net operating income to assets | 1.1866% | 1,540 |
| Return on assets (ROA) | 1.1866% | 1,659 |
| Pretax return on assets | 1.1866% | 2,505 |
| Return on Equity (ROE) | 14.8941% | 759 |
| Retained earnings to average equity (ytd only) | 4.5684% | 2,927 |
| Net charge-offs to loans | 0.5098% | 2,954 |
| Credit loss provision to net charge-offs | 113.2801% | 2,906 |
| Earnings coverage of net charge-offs (x) | 4.0693% | 3,282 |
| Efficiency ratio | 68.9218% | 4,172 |
| Assets per employee ($millions) | 2.9639% | 6,174 |
| Cash dividends to net income (ytd only)* | 69.3275% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 3,230 |
| Loan loss allowance to noncurrent loans | 84.9898% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 3,515 |
| Noncurrent loans to loans | 1.9921% | 3,217 |
| Net loans and leases to total assets | 75.8928% | 965 |
| Net loans and leases to deposits | 84.9888% | 1,809 |
| Net loans and leases to core deposits | 105.8074% | 800 |
| Total domestic deposits to total assets | 89.2975% | 1,367 |
| Equity capital to assets | 8.3839% | 6,267 |
| Core capital (leverage) ratio | 7.9170% | 6,343 |
| Tier 1 risk-based capital ratio | 10.3489% | 6,753 |
| Total risk-based capital ratio | 12.7984% | 6,117 |
| Memoranda: | ||
| Average total assets | $650,361,600 | 994 |
| Average earning assets | $592,453,400 | 995 |
| Average equity | $51,812,400 | 1,317 |
| Average total loans | $515,495,000 | 805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3914% | 1,540 |
| Cost of funding earning assets | 0.6592% | 5,988 |
| Net interest margin | 4.7321% | 709 |
| Noninterest income to average assets | 0.9887% | 1,368 |
| Noninterest expense to average assets | 3.7067% | 1,486 |
| Loan and lease loss provision to assets | 0.4522% | 2,202 |
| Net operating income to assets | 1.1360% | 1,863 |
| Return on assets (ROA) | 1.1360% | 1,978 |
| Pretax return on assets | 1.1360% | 2,868 |
| Return on Equity (ROE) | 14.4432% | 951 |
| Retained earnings to average equity (ytd only) | 5.2363% | 3,036 |
| Net charge-offs to loans | 0.4163% | 3,060 |
| Credit loss provision to net charge-offs | 136.1794% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.7826% | 2,965 |
| Efficiency ratio | 70.0054% | 3,957 |
| Assets per employee ($millions) | 2.9901% | 6,140 |
| Cash dividends to net income (ytd only)* | 63.7458% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 3,231 |
| Loan loss allowance to noncurrent loans | 76.2502% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 3,104 |
| Noncurrent loans to loans | 2.2453% | 3,056 |
| Net loans and leases to total assets | 73.7781% | 1,355 |
| Net loans and leases to deposits | 82.2247% | 2,317 |
| Net loans and leases to core deposits | 105.1487% | 909 |
| Total domestic deposits to total assets | 89.7275% | 1,020 |
| Equity capital to assets | 7.9834% | 6,704 |
| Core capital (leverage) ratio | 7.5612% | 6,730 |
| Tier 1 risk-based capital ratio | 10.0217% | 6,947 |
| Total risk-based capital ratio | 12.4413% | 6,419 |
| Memoranda: | ||
| Average total assets | $653,643,500 | 1,000 |
| Average earning assets | $594,810,750 | 998 |
| Average equity | $51,409,250 | 1,330 |
| Average total loans | $521,382,750 | 811 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 1,408 |
| Cost of funding earning assets | 0.6862% | 6,037 |
| Net interest margin | 4.7660% | 637 |
| Noninterest income to average assets | 0.9503% | 1,465 |
| Noninterest expense to average assets | 3.7738% | 1,387 |
| Loan and lease loss provision to assets | 0.5905% | 1,638 |
| Net operating income to assets | 0.9269% | 2,530 |
| Return on assets (ROA) | 0.9269% | 2,636 |
| Pretax return on assets | 0.9269% | 3,523 |
| Return on Equity (ROE) | 11.8461% | 1,540 |
| Retained earnings to average equity (ytd only) | 2.5944% | 4,643 |
| Net charge-offs to loans | 0.5807% | 2,367 |
| Credit loss provision to net charge-offs | 124.9674% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.2112% | 3,267 |
| Efficiency ratio | 71.3221% | 3,873 |
| Assets per employee ($millions) | 2.9185% | 6,264 |
| Cash dividends to net income (ytd only)* | 78.0990% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 3,623 |
| Loan loss allowance to noncurrent loans | 144.0903% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 4,454 |
| Noncurrent loans to loans | 1.1242% | 4,782 |
| Net loans and leases to total assets | 75.9963% | 1,072 |
| Net loans and leases to deposits | 84.3888% | 2,049 |
| Net loans and leases to core deposits | 108.2698% | 800 |
| Total domestic deposits to total assets | 90.0549% | 948 |
| Equity capital to assets | 7.6937% | 6,858 |
| Core capital (leverage) ratio | 7.7213% | 6,566 |
| Tier 1 risk-based capital ratio | 9.5437% | 7,093 |
| Total risk-based capital ratio | 11.9369% | 6,702 |
| Memoranda: | ||
| Average total assets | $649,258,670 | 1,014 |
| Average earning assets | $591,358,330 | 1,009 |
| Average equity | $50,801,330 | 1,324 |
| Average total loans | $528,337,000 | 814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5754% | 1,106 |
| Cost of funding earning assets | 0.7125% | 6,065 |
| Net interest margin | 4.8629% | 501 |
| Noninterest income to average assets | 0.9392% | 1,504 |
| Noninterest expense to average assets | 3.7842% | 1,363 |
| Loan and lease loss provision to assets | 0.8860% | 913 |
| Net operating income to assets | 0.6947% | 3,532 |
| Return on assets (ROA) | 0.6947% | 3,599 |
| Pretax return on assets | 0.6947% | 4,323 |
| Return on Equity (ROE) | 8.8014% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.2560% | 4,224 |
| Net charge-offs to loans | 1.0981% | 1,256 |
| Credit loss provision to net charge-offs | 96.5917% | 2,822 |
| Earnings coverage of net charge-offs (x) | 1.7232% | 3,448 |
| Efficiency ratio | 70.5361% | 4,155 |
| Assets per employee ($millions) | 2.8253% | 6,489 |
| Cash dividends to net income (ytd only)* | 63.0063% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 4,213 |
| Loan loss allowance to noncurrent loans | 136.5123% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.8311% | 3,526 |
| Noncurrent loans to loans | 1.0988% | 4,864 |
| Net loans and leases to total assets | 80.8393% | 444 |
| Net loans and leases to deposits | 89.9906% | 1,231 |
| Net loans and leases to core deposits | 111.4995% | 674 |
| Total domestic deposits to total assets | 89.8308% | 1,254 |
| Equity capital to assets | 7.8757% | 6,616 |
| Core capital (leverage) ratio | 7.6417% | 6,614 |
| Tier 1 risk-based capital ratio | 9.3246% | 7,185 |
| Total risk-based capital ratio | 11.6957% | 6,827 |
| Memoranda: | ||
| Average total assets | $639,719,000 | 1,039 |
| Average earning assets | $582,203,500 | 1,037 |
| Average equity | $50,492,000 | 1,321 |
| Average total loans | $534,368,000 | 809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9602% | 924 |
| Cost of funding earning assets | 0.8573% | 6,345 |
| Net interest margin | 5.1030% | 350 |
| Noninterest income to average assets | 1.1060% | 1,214 |
| Noninterest expense to average assets | 3.8685% | 1,366 |
| Loan and lease loss provision to assets | 0.5587% | 2,889 |
| Net operating income to assets | 1.3217% | 1,119 |
| Return on assets (ROA) | 1.3531% | 1,117 |
| Pretax return on assets | 1.3531% | 1,787 |
| Return on Equity (ROE) | 17.1711% | 462 |
| Retained earnings to average equity (ytd only) | 5.1731% | 2,327 |
| Net charge-offs to loans | 0.3837% | 4,120 |
| Credit loss provision to net charge-offs | 168.3761% | 2,019 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,565 |
| Efficiency ratio | 67.2907% | 4,707 |
| Assets per employee ($millions) | 2.8361% | 6,465 |
| Cash dividends to net income (ytd only)* | 69.8731% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 4,132 |
| Loan loss allowance to noncurrent loans | 171.0611% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.1922% | 4,632 |
| Noncurrent loans to loans | 0.8638% | 5,335 |
| Net loans and leases to total assets | 83.7573% | 325 |
| Net loans and leases to deposits | 97.9264% | 726 |
| Net loans and leases to core deposits | 118.5372% | 573 |
| Total domestic deposits to total assets | 85.5309% | 3,585 |
| Equity capital to assets | 7.9103% | 6,571 |
| Core capital (leverage) ratio | 7.5896% | 6,628 |
| Tier 1 risk-based capital ratio | 9.1232% | 7,220 |
| Total risk-based capital ratio | 11.4791% | 6,834 |
| Memoranda: | ||
| Average total assets | $634,637,600 | 1,056 |
| Average earning assets | $577,426,400 | 1,041 |
| Average equity | $50,008,400 | 1,338 |
| Average total loans | $548,877,200 | 820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9951% | 947 |
| Cost of funding earning assets | 0.8894% | 6,438 |
| Net interest margin | 5.1057% | 353 |
| Noninterest income to average assets | 1.0782% | 1,233 |
| Noninterest expense to average assets | 3.7617% | 1,448 |
| Loan and lease loss provision to assets | 0.3152% | 4,058 |
| Net operating income to assets | 1.6446% | 680 |
| Return on assets (ROA) | 1.6568% | 734 |
| Pretax return on assets | 1.6568% | 1,197 |
| Return on Equity (ROE) | 21.0456% | 251 |
| Retained earnings to average equity (ytd only) | 11.4357% | 536 |
| Net charge-offs to loans | 0.2746% | 4,302 |
| Credit loss provision to net charge-offs | 132.1586% | 3,057 |
| Earnings coverage of net charge-offs (x) | 8.2167% | 2,191 |
| Efficiency ratio | 65.7472% | 4,914 |
| Assets per employee ($millions) | 2.7443% | 6,700 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 5,156 |
| Loan loss allowance to noncurrent loans | 128.9690% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3367% | 4,486 |
| Noncurrent loans to loans | 0.9781% | 5,280 |
| Net loans and leases to total assets | 85.6266% | 231 |
| Net loans and leases to deposits | 99.3962% | 695 |
| Net loans and leases to core deposits | 122.7580% | 532 |
| Total domestic deposits to total assets | 86.1467% | 3,008 |
| Equity capital to assets | 8.3065% | 6,499 |
| Core capital (leverage) ratio | 7.8802% | 6,488 |
| Tier 1 risk-based capital ratio | 9.2865% | 7,305 |
| Total risk-based capital ratio | 11.6221% | 6,845 |
| Memoranda: | ||
| Average total assets | $634,477,750 | 1,061 |
| Average earning assets | $577,013,500 | 1,053 |
| Average equity | $49,947,500 | 1,342 |
| Average total loans | $551,078,750 | 822 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9758% | 1,004 |
| Cost of funding earning assets | 0.9158% | 6,515 |
| Net interest margin | 5.0600% | 369 |
| Noninterest income to average assets | 1.0598% | 1,195 |
| Noninterest expense to average assets | 3.7138% | 1,532 |
| Loan and lease loss provision to assets | 0.3461% | 3,651 |
| Net operating income to assets | 1.5970% | 731 |
| Return on assets (ROA) | 1.6152% | 759 |
| Pretax return on assets | 1.6152% | 1,263 |
| Return on Equity (ROE) | 20.8997% | 264 |
| Retained earnings to average equity (ytd only) | 10.3134% | 779 |
| Net charge-offs to loans | 0.1521% | 4,726 |
| Credit loss provision to net charge-offs | 261.9048% | 1,450 |
| Earnings coverage of net charge-offs (x) | 14.7024% | 1,506 |
| Efficiency ratio | 65.6506% | 5,043 |
| Assets per employee ($millions) | 2.7550% | 6,674 |
| Cash dividends to net income (ytd only)* | 50.6526% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,897 |
| Loan loss allowance to noncurrent loans | 154.6370% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.2333% | 4,679 |
| Noncurrent loans to loans | 0.8432% | 5,589 |
| Net loans and leases to total assets | 85.8721% | 238 |
| Net loans and leases to deposits | 99.3709% | 775 |
| Net loans and leases to core deposits | 123.4119% | 587 |
| Total domestic deposits to total assets | 86.4157% | 2,862 |
| Equity capital to assets | 7.9434% | 6,812 |
| Core capital (leverage) ratio | 7.5955% | 6,741 |
| Tier 1 risk-based capital ratio | 8.8547% | 7,439 |
| Total risk-based capital ratio | 11.1770% | 7,040 |
| Memoranda: | ||
| Average total assets | $635,577,000 | 1,064 |
| Average earning assets | $577,428,670 | 1,062 |
| Average equity | $49,120,330 | 1,364 |
| Average total loans | $552,317,330 | 834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 1,233 |
| Cost of funding earning assets | 0.9328% | 6,646 |
| Net interest margin | 4.9518% | 461 |
| Noninterest income to average assets | 1.0240% | 1,223 |
| Noninterest expense to average assets | 3.6734% | 1,565 |
| Loan and lease loss provision to assets | 0.3779% | 3,103 |
| Net operating income to assets | 1.4724% | 941 |
| Return on assets (ROA) | 1.5089% | 949 |
| Pretax return on assets | 1.5089% | 1,490 |
| Return on Equity (ROE) | 19.8000% | 394 |
| Retained earnings to average equity (ytd only) | 6.5780% | 2,328 |
| Net charge-offs to loans | 0.1342% | 4,146 |
| Credit loss provision to net charge-offs | 324.3243% | 1,221 |
| Earnings coverage of net charge-offs (x) | 15.8811% | 1,359 |
| Efficiency ratio | 66.5032% | 5,008 |
| Assets per employee ($millions) | 2.7593% | 6,736 |
| Cash dividends to net income (ytd only)* | 66.7780% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 5,134 |
| Loan loss allowance to noncurrent loans | 121.9106% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3218% | 4,546 |
| Noncurrent loans to loans | 1.0366% | 5,265 |
| Net loans and leases to total assets | 85.6266% | 237 |
| Net loans and leases to deposits | 96.8763% | 1,011 |
| Net loans and leases to core deposits | 123.2106% | 666 |
| Total domestic deposits to total assets | 88.3875% | 1,859 |
| Equity capital to assets | 7.6827% | 6,942 |
| Core capital (leverage) ratio | 7.4235% | 6,917 |
| Tier 1 risk-based capital ratio | 8.5991% | 7,549 |
| Total risk-based capital ratio | 10.9279% | 7,210 |
| Memoranda: | ||
| Average total assets | $635,159,000 | 1,086 |
| Average earning assets | $577,164,500 | 1,091 |
| Average equity | $48,404,000 | 1,390 |
| Average total loans | $551,615,500 | 853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9873% | 1,920 |
| Cost of funding earning assets | 1.3014% | 6,302 |
| Net interest margin | 4.6859% | 855 |
| Noninterest income to average assets | 1.1848% | 1,096 |
| Noninterest expense to average assets | 3.8182% | 1,665 |
| Loan and lease loss provision to assets | 0.4673% | 4,030 |
| Net operating income to assets | 1.1492% | 1,387 |
| Return on assets (ROA) | 1.1762% | 1,354 |
| Pretax return on assets | 1.1790% | 2,007 |
| Return on Equity (ROE) | 15.5822% | 596 |
| Retained earnings to average equity (ytd only) | 4.6960% | 1,978 |
| Net charge-offs to loans | 0.2784% | 4,890 |
| Credit loss provision to net charge-offs | 196.7436% | 2,009 |
| Earnings coverage of net charge-offs (x) | 6.8175% | 2,281 |
| Efficiency ratio | 70.2217% | 4,576 |
| Assets per employee ($millions) | 2.7400% | 6,783 |
| Cash dividends to net income (ytd only)* | 69.8630% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 5,455 |
| Loan loss allowance to noncurrent loans | 118.9956% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 4,473 |
| Noncurrent loans to loans | 0.9941% | 5,328 |
| Net loans and leases to total assets | 85.9422% | 285 |
| Net loans and leases to deposits | 102.6842% | 715 |
| Net loans and leases to core deposits | 147.1186% | 584 |
| Total domestic deposits to total assets | 83.6956% | 4,179 |
| Equity capital to assets | 7.5589% | 6,976 |
| Core capital (leverage) ratio | 7.4327% | 6,850 |
| Tier 1 risk-based capital ratio | 8.4073% | 7,599 |
| Total risk-based capital ratio | 10.6491% | 7,262 |
| Memoranda: | ||
| Average total assets | $620,626,800 | 1,115 |
| Average earning assets | $563,240,600 | 1,118 |
| Average equity | $46,848,400 | 1,439 |
| Average total loans | $529,453,400 | 902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 2,155 |
| Cost of funding earning assets | 1.3912% | 6,265 |
| Net interest margin | 4.5782% | 1,028 |
| Noninterest income to average assets | 1.1430% | 1,207 |
| Noninterest expense to average assets | 3.8117% | 1,572 |
| Loan and lease loss provision to assets | 0.4107% | 3,859 |
| Net operating income to assets | 1.0708% | 1,825 |
| Return on assets (ROA) | 1.1071% | 1,772 |
| Pretax return on assets | 1.1108% | 2,531 |
| Return on Equity (ROE) | 14.6712% | 817 |
| Retained earnings to average equity (ytd only) | 5.6485% | 2,129 |
| Net charge-offs to loans | 0.2557% | 4,454 |
| Credit loss provision to net charge-offs | 189.2430% | 2,403 |
| Earnings coverage of net charge-offs (x) | 6.8436% | 2,530 |
| Efficiency ratio | 71.9620% | 4,249 |
| Assets per employee ($millions) | 2.6842% | 6,888 |
| Cash dividends to net income (ytd only)* | 61.4995% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,693 |
| Loan loss allowance to noncurrent loans | 104.0693% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 4,768 |
| Noncurrent loans to loans | 1.0618% | 5,193 |
| Net loans and leases to total assets | 86.0051% | 343 |
| Net loans and leases to deposits | 97.9505% | 1,336 |
| Net loans and leases to core deposits | 136.1387% | 1,091 |
| Total domestic deposits to total assets | 87.8047% | 1,746 |
| Equity capital to assets | 7.6604% | 7,183 |
| Core capital (leverage) ratio | 7.4557% | 7,027 |
| Tier 1 risk-based capital ratio | 8.4836% | 7,732 |
| Total risk-based capital ratio | 10.6607% | 7,401 |
| Memoranda: | ||
| Average total assets | $616,864,750 | 1,136 |
| Average earning assets | $559,683,750 | 1,139 |
| Average equity | $46,548,000 | 1,470 |
| Average total loans | $523,603,500 | 923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 2,412 |
| Cost of funding earning assets | 1.4911% | 6,178 |
| Net interest margin | 4.4505% | 1,291 |
| Noninterest income to average assets | 1.0925% | 1,337 |
| Noninterest expense to average assets | 3.7680% | 1,706 |
| Loan and lease loss provision to assets | 0.3909% | 3,570 |
| Net operating income to assets | 0.9541% | 2,266 |
| Return on assets (ROA) | 0.9602% | 2,342 |
| Pretax return on assets | 0.9658% | 3,126 |
| Return on Equity (ROE) | 12.7913% | 1,219 |
| Retained earnings to average equity (ytd only) | 2.5947% | 3,882 |
| Net charge-offs to loans | 0.2283% | 4,071 |
| Credit loss provision to net charge-offs | 203.3898% | 2,239 |
| Earnings coverage of net charge-offs (x) | 7.0271% | 2,504 |
| Efficiency ratio | 73.6159% | 4,094 |
| Assets per employee ($millions) | 2.7733% | 6,695 |
| Cash dividends to net income (ytd only)* | 79.7151% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 5,719 |
| Loan loss allowance to noncurrent loans | 80.2805% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 4,506 |
| Noncurrent loans to loans | 1.3476% | 4,517 |
| Net loans and leases to total assets | 81.3424% | 1,081 |
| Net loans and leases to deposits | 93.3186% | 2,210 |
| Net loans and leases to core deposits | 131.4145% | 1,459 |
| Total domestic deposits to total assets | 87.1664% | 2,161 |
| Equity capital to assets | 7.1939% | 7,487 |
| Core capital (leverage) ratio | 7.3068% | 7,238 |
| Tier 1 risk-based capital ratio | 8.4210% | 7,857 |
| Total risk-based capital ratio | 10.5942% | 7,499 |
| Memoranda: | ||
| Average total assets | $614,010,670 | 1,161 |
| Average earning assets | $555,439,670 | 1,167 |
| Average equity | $46,094,000 | 1,492 |
| Average total loans | $516,835,000 | 962 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9784% | 2,449 |
| Cost of funding earning assets | 1.6171% | 5,958 |
| Net interest margin | 4.3613% | 1,438 |
| Noninterest income to average assets | 1.0245% | 1,416 |
| Noninterest expense to average assets | 3.6468% | 1,761 |
| Loan and lease loss provision to assets | 0.2002% | 4,437 |
| Net operating income to assets | 1.1174% | 1,905 |
| Return on assets (ROA) | 1.1300% | 1,992 |
| Pretax return on assets | 1.1413% | 2,827 |
| Return on Equity (ROE) | 14.7222% | 1,030 |
| Retained earnings to average equity (ytd only) | 5.1567% | 3,039 |
| Net charge-offs to loans | 0.1441% | 3,811 |
| Credit loss provision to net charge-offs | 163.0435% | 2,606 |
| Earnings coverage of net charge-offs (x) | 10.8207% | 1,917 |
| Efficiency ratio | 73.2931% | 3,948 |
| Assets per employee ($millions) | 2.6319% | 7,017 |
| Cash dividends to net income (ytd only)* | 64.9734% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 6,078 |
| Loan loss allowance to noncurrent loans | 59.3576% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 3,555 |
| Noncurrent loans to loans | 1.7104% | 3,693 |
| Net loans and leases to total assets | 83.8722% | 707 |
| Net loans and leases to deposits | 95.6048% | 2,009 |
| Net loans and leases to core deposits | 134.7690% | 1,372 |
| Total domestic deposits to total assets | 87.7280% | 1,872 |
| Equity capital to assets | 7.6306% | 7,240 |
| Core capital (leverage) ratio | 7.5115% | 7,153 |
| Tier 1 risk-based capital ratio | 8.5997% | 7,924 |
| Total risk-based capital ratio | 10.7258% | 7,396 |
| Memoranda: | ||
| Average total assets | $599,318,500 | 1,193 |
| Average earning assets | $542,959,000 | 1,195 |
| Average equity | $45,998,500 | 1,503 |
| Average total loans | $510,714,000 | 980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5384% | 2,767 |
| Cost of funding earning assets | 2.1555% | 5,805 |
| Net interest margin | 4.3829% | 1,743 |
| Noninterest income to average assets | 1.1780% | 1,104 |
| Noninterest expense to average assets | 3.6461% | 2,050 |
| Loan and lease loss provision to assets | 0.2991% | 3,984 |
| Net operating income to assets | 1.1823% | 1,834 |
| Return on assets (ROA) | 1.2426% | 1,590 |
| Pretax return on assets | 1.2673% | 2,417 |
| Return on Equity (ROE) | 15.8942% | 789 |
| Retained earnings to average equity (ytd only) | 5.2339% | 1,892 |
| Net charge-offs to loans | 0.1953% | 4,236 |
| Credit loss provision to net charge-offs | 183.4066% | 2,717 |
| Earnings coverage of net charge-offs (x) | 9.2275% | 2,730 |
| Efficiency ratio | 70.7839% | 4,181 |
| Assets per employee ($millions) | 2.6488% | 6,892 |
| Cash dividends to net income (ytd only)* | 67.0705% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 5,937 |
| Loan loss allowance to noncurrent loans | 92.7289% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 4,190 |
| Noncurrent loans to loans | 1.0893% | 4,382 |
| Net loans and leases to total assets | 84.8475% | 750 |
| Net loans and leases to deposits | 98.8343% | 2,007 |
| Net loans and leases to core deposits | 133.5721% | 1,623 |
| Total domestic deposits to total assets | 85.8482% | 2,475 |
| Equity capital to assets | 7.7210% | 7,180 |
| Core capital (leverage) ratio | 7.7026% | 6,924 |
| Tier 1 risk-based capital ratio | 8.9894% | 7,789 |
| Total risk-based capital ratio | 11.2181% | 6,658 |
| Memoranda: | ||
| Average total assets | $557,964,200 | 1,217 |
| Average earning assets | $505,784,600 | 1,217 |
| Average equity | $43,619,800 | 1,548 |
| Average total loans | $466,062,400 | 1,038 |