Home > Montgomery Bank > Performance and Condition Ratios
Montgomery 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 | 4.4257% | 3,232 |
| Cost of funding earning assets | 1.5415% | 1,837 |
| Net interest margin | 2.8842% | 3,518 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.5617% | 2,119 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7578% | 3,020 |
| Return on assets (ROA) | 0.7578% | 2,995 |
| Pretax return on assets | 0.7347% | 3,369 |
| Return on Equity (ROE) | 9.2100% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.6084% | 3,675 |
| Net charge-offs to loans | -0.0003% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.2900% | 1,130 |
| Assets per employee ($millions) | 6.5125% | 2,408 |
| Cash dividends to net income (ytd only)* | 82.5384% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,591 |
| Loan loss allowance to noncurrent loans | 4,286.9347% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,377 |
| Noncurrent loans to loans | 0.0218% | 3,589 |
| Net loans and leases to total assets | 68.4400% | 1,984 |
| Net loans and leases to deposits | 91.6701% | 1,127 |
| Net loans and leases to core deposits | 94.5775% | 1,733 |
| Total domestic deposits to total assets | 74.6600% | 4,054 |
| Equity capital to assets | 8.7838% | 2,842 |
| Core capital (leverage) ratio | 7.4336% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2021% | 2,787 |
| Memoranda: | ||
| Average total assets | $1,322,437,800 | 793 |
| Average earning assets | $1,201,796,600 | 796 |
| Average equity | $108,802,400 | 892 |
| Average total loans | $869,891,200 | 811 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 3,299 |
| Cost of funding earning assets | 1.4093% | 1,843 |
| Net interest margin | 2.8879% | 3,574 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.5299% | 2,134 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7887% | 3,056 |
| Return on assets (ROA) | 0.7887% | 3,055 |
| Pretax return on assets | 0.7865% | 3,366 |
| Return on Equity (ROE) | 9.7500% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.5281% | 3,835 |
| Net charge-offs to loans | -0.0011% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.8684% | 1,181 |
| Assets per employee ($millions) | 6.7204% | 2,168 |
| Cash dividends to net income (ytd only)* | 84.3283% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,552 |
| Loan loss allowance to noncurrent loans | 1,125.4980% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 3,051 |
| Noncurrent loans to loans | 0.0846% | 3,157 |
| Net loans and leases to total assets | 64.9300% | 2,351 |
| Net loans and leases to deposits | 84.6106% | 1,692 |
| Net loans and leases to core deposits | 90.2390% | 1,916 |
| Total domestic deposits to total assets | 76.7400% | 3,952 |
| Equity capital to assets | 8.1985% | 2,925 |
| Core capital (leverage) ratio | 7.2266% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3725% | 2,760 |
| Memoranda: | ||
| Average total assets | $1,322,539,250 | 790 |
| Average earning assets | $1,202,654,000 | 800 |
| Average equity | $106,972,000 | 900 |
| Average total loans | $859,020,500 | 820 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 3,313 |
| Cost of funding earning assets | 1.2286% | 1,908 |
| Net interest margin | 2.9631% | 3,531 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.5208% | 2,150 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8904% | 2,791 |
| Return on assets (ROA) | 0.8904% | 2,775 |
| Pretax return on assets | 0.8872% | 3,201 |
| Return on Equity (ROE) | 11.0600% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.2654% | 3,407 |
| Net charge-offs to loans | -0.0014% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5717% | 1,395 |
| Assets per employee ($millions) | 6.5789% | 2,230 |
| Cash dividends to net income (ytd only)* | 70.4764% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,545 |
| Loan loss allowance to noncurrent loans | 2,178.8114% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,229 |
| Noncurrent loans to loans | 0.0444% | 3,403 |
| Net loans and leases to total assets | 64.6400% | 2,315 |
| Net loans and leases to deposits | 80.3448% | 1,945 |
| Net loans and leases to core deposits | 85.8071% | 2,086 |
| Total domestic deposits to total assets | 80.4600% | 3,508 |
| Equity capital to assets | 8.1266% | 3,136 |
| Core capital (leverage) ratio | 7.3886% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5471% | 2,752 |
| Memoranda: | ||
| Average total assets | $1,310,875,667 | 789 |
| Average earning assets | $1,191,801,000 | 792 |
| Average equity | $105,530,333 | 901 |
| Average total loans | $848,701,333 | 815 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 3,306 |
| Cost of funding earning assets | 1.0034% | 2,038 |
| Net interest margin | 3.0713% | 3,418 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.5903% | 1,979 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9078% | 2,824 |
| Return on assets (ROA) | 0.9078% | 2,784 |
| Pretax return on assets | 0.9013% | 3,234 |
| Return on Equity (ROE) | 11.3300% | 2,396 |
| Retained earnings to average equity (ytd only) | 2.9146% | 3,527 |
| Net charge-offs to loans | -0.0019% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.7955% | 1,363 |
| Assets per employee ($millions) | 6.3877% | 2,422 |
| Cash dividends to net income (ytd only)* | 74.2789% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,498 |
| Loan loss allowance to noncurrent loans | 1,173.2493% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,116 |
| Noncurrent loans to loans | 0.0856% | 3,126 |
| Net loans and leases to total assets | 63.6600% | 2,277 |
| Net loans and leases to deposits | 73.8146% | 2,307 |
| Net loans and leases to core deposits | 77.5385% | 2,421 |
| Total domestic deposits to total assets | 86.2400% | 2,526 |
| Equity capital to assets | 8.1614% | 3,131 |
| Core capital (leverage) ratio | 7.4332% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8460% | 2,773 |
| Memoranda: | ||
| Average total assets | $1,298,553,500 | 810 |
| Average earning assets | $1,180,743,500 | 817 |
| Average equity | $104,029,000 | 921 |
| Average total loans | $837,181,000 | 837 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 3,504 |
| Cost of funding earning assets | 0.4043% | 2,059 |
| Net interest margin | 2.9327% | 3,605 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.4305% | 2,335 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8976% | 2,969 |
| Return on assets (ROA) | 0.8951% | 2,917 |
| Pretax return on assets | 0.9329% | 3,264 |
| Return on Equity (ROE) | 12.3500% | 2,019 |
| Retained earnings to average equity (ytd only) | 4.1418% | 3,349 |
| Net charge-offs to loans | -0.0005% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5305% | 1,495 |
| Assets per employee ($millions) | 6.6688% | 2,202 |
| Cash dividends to net income (ytd only)* | 66.4581% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,448 |
| Loan loss allowance to noncurrent loans | 1,286.6873% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,146 |
| Noncurrent loans to loans | 0.0769% | 3,210 |
| Net loans and leases to total assets | 64.0000% | 2,242 |
| Net loans and leases to deposits | 74.3611% | 2,226 |
| Net loans and leases to core deposits | 77.1419% | 2,336 |
| Total domestic deposits to total assets | 86.0600% | 2,705 |
| Equity capital to assets | 7.8613% | 3,144 |
| Core capital (leverage) ratio | 7.4684% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0692% | 2,717 |
| Memoranda: | ||
| Average total assets | $1,196,038,200 | 858 |
| Average earning assets | $1,099,668,400 | 854 |
| Average equity | $86,700,600 | 1,065 |
| Average total loans | $751,924,200 | 857 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1072% | 3,661 |
| Cost of funding earning assets | 0.2938% | 2,237 |
| Net interest margin | 2.8133% | 3,707 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.3525% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9483% | 2,676 |
| Return on assets (ROA) | 0.9483% | 2,640 |
| Pretax return on assets | 0.9483% | 3,188 |
| Return on Equity (ROE) | 13.4000% | 1,585 |
| Retained earnings to average equity (ytd only) | 4.0827% | 3,412 |
| Net charge-offs to loans | 0.0029% | 2,136 |
| Credit loss provision to net charge-offs | 62.5000% | 1,486 |
| Earnings coverage of net charge-offs (x) | 520.6875% | 302 |
| Efficiency ratio | 71.2466% | 1,613 |
| Assets per employee ($millions) | 6.6896% | 2,169 |
| Cash dividends to net income (ytd only)* | 69.5229% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,375.0424% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,168 |
| Noncurrent loans to loans | 0.0806% | 3,299 |
| Net loans and leases to total assets | 62.7700% | 2,214 |
| Net loans and leases to deposits | 71.7648% | 2,228 |
| Net loans and leases to core deposits | 73.4041% | 2,394 |
| Total domestic deposits to total assets | 87.4700% | 2,606 |
| Equity capital to assets | 6.7253% | 3,647 |
| Core capital (leverage) ratio | 7.1177% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1772% | 2,758 |
| Memoranda: | ||
| Average total assets | $1,169,946,000 | 876 |
| Average earning assets | $1,079,068,500 | 868 |
| Average equity | $82,818,500 | 1,113 |
| Average total loans | $729,771,500 | 871 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9831% | 3,597 |
| Cost of funding earning assets | 0.2437% | 2,348 |
| Net interest margin | 2.7394% | 3,610 |
| Noninterest income to average assets | 0.6868% | 1,399 |
| Noninterest expense to average assets | 2.2618% | 2,663 |
| Loan and lease loss provision to assets | -0.0007% | 4,357 |
| Net operating income to assets | 0.9563% | 2,331 |
| Return on assets (ROA) | 0.9563% | 2,307 |
| Pretax return on assets | 0.9563% | 2,881 |
| Return on Equity (ROE) | 13.2931% | 1,293 |
| Retained earnings to average equity (ytd only) | 4.2774% | 2,983 |
| Net charge-offs to loans | -0.0055% | 3,374 |
| Credit loss provision to net charge-offs | 20.0000% | 1,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2985% | 1,917 |
| Assets per employee ($millions) | 6.3692% | 2,416 |
| Cash dividends to net income (ytd only)* | 67.8222% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,076 |
| Loan loss allowance to noncurrent loans | 1,276.8868% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,186 |
| Noncurrent loans to loans | 0.0877% | 3,336 |
| Net loans and leases to total assets | 61.8604% | 2,140 |
| Net loans and leases to deposits | 68.8028% | 2,316 |
| Net loans and leases to core deposits | 70.4353% | 2,459 |
| Total domestic deposits to total assets | 89.9096% | 1,746 |
| Equity capital to assets | 6.8866% | 3,827 |
| Core capital (leverage) ratio | 7.4605% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9277% | 2,524 |
| Memoranda: | ||
| Average total assets | $1,176,391,667 | 869 |
| Average earning assets | $1,086,723,000 | 869 |
| Average equity | $84,630,667 | 1,110 |
| Average total loans | $729,569,667 | 860 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9075% | 3,515 |
| Cost of funding earning assets | 0.2347% | 2,325 |
| Net interest margin | 2.6728% | 3,468 |
| Noninterest income to average assets | 0.6582% | 1,451 |
| Noninterest expense to average assets | 2.2424% | 2,712 |
| Loan and lease loss provision to assets | -0.0068% | 4,412 |
| Net operating income to assets | 0.8945% | 2,289 |
| Return on assets (ROA) | 0.8945% | 2,292 |
| Pretax return on assets | 0.8945% | 2,798 |
| Return on Equity (ROE) | 12.1795% | 1,257 |
| Retained earnings to average equity (ytd only) | 6.4988% | 2,076 |
| Net charge-offs to loans | -0.0131% | 3,700 |
| Credit loss provision to net charge-offs | 83.3333% | 1,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6381% | 2,021 |
| Assets per employee ($millions) | 6.5886% | 2,303 |
| Cash dividends to net income (ytd only)* | 46.6415% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,277 |
| Loan loss allowance to noncurrent loans | 2,518.3230% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,663 |
| Noncurrent loans to loans | 0.0442% | 3,665 |
| Net loans and leases to total assets | 60.4771% | 2,014 |
| Net loans and leases to deposits | 67.7353% | 2,183 |
| Net loans and leases to core deposits | 69.3103% | 2,349 |
| Total domestic deposits to total assets | 89.2844% | 1,935 |
| Equity capital to assets | 6.9886% | 4,223 |
| Core capital (leverage) ratio | 7.3905% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7834% | 2,684 |
| Memoranda: | ||
| Average total assets | $1,184,992,500 | 869 |
| Average earning assets | $1,095,931,500 | 869 |
| Average equity | $87,031,500 | 1,114 |
| Average total loans | $731,754,500 | 853 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0796% | 3,726 |
| Cost of funding earning assets | 0.2667% | 2,734 |
| Net interest margin | 2.8129% | 3,630 |
| Noninterest income to average assets | 0.6875% | 1,807 |
| Noninterest expense to average assets | 2.1876% | 3,125 |
| Loan and lease loss provision to assets | -0.0003% | 4,129 |
| Net operating income to assets | 1.1044% | 2,282 |
| Return on assets (ROA) | 1.0934% | 2,382 |
| Pretax return on assets | 1.0934% | 2,994 |
| Return on Equity (ROE) | 14.3272% | 1,096 |
| Retained earnings to average equity (ytd only) | 4.5070% | 3,002 |
| Net charge-offs to loans | -0.0074% | 3,652 |
| Credit loss provision to net charge-offs | 5.2632% | 2,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4569% | 2,199 |
| Assets per employee ($millions) | 6.6149% | 2,228 |
| Cash dividends to net income (ytd only)* | 68.5427% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,341 |
| Loan loss allowance to noncurrent loans | 9,106.7416% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,938 |
| Noncurrent loans to loans | 0.0121% | 4,005 |
| Net loans and leases to total assets | 61.6658% | 1,976 |
| Net loans and leases to deposits | 70.0485% | 2,127 |
| Net loans and leases to core deposits | 71.6500% | 2,291 |
| Total domestic deposits to total assets | 88.0330% | 2,027 |
| Equity capital to assets | 7.7049% | 4,499 |
| Core capital (leverage) ratio | 7.3999% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6210% | 2,746 |
| Memoranda: | ||
| Average total assets | $1,163,488,200 | 855 |
| Average earning assets | $1,077,217,600 | 852 |
| Average equity | $88,796,000 | 1,116 |
| Average total loans | $769,662,200 | 819 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 3,804 |
| Cost of funding earning assets | 0.2762% | 2,837 |
| Net interest margin | 2.8256% | 3,720 |
| Noninterest income to average assets | 0.6907% | 1,855 |
| Noninterest expense to average assets | 2.3248% | 2,675 |
| Loan and lease loss provision to assets | -0.0001% | 4,275 |
| Net operating income to assets | 0.9822% | 2,979 |
| Return on assets (ROA) | 0.9822% | 3,060 |
| Pretax return on assets | 0.9822% | 3,513 |
| Return on Equity (ROE) | 12.9005% | 1,725 |
| Retained earnings to average equity (ytd only) | 3.1025% | 3,868 |
| Net charge-offs to loans | -0.0010% | 3,123 |
| Credit loss provision to net charge-offs | 16.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3024% | 1,569 |
| Assets per employee ($millions) | 6.4996% | 2,245 |
| Cash dividends to net income (ytd only)* | 75.9508% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,608 |
| Loan loss allowance to noncurrent loans | 1,598.4127% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 3,230 |
| Noncurrent loans to loans | 0.0665% | 3,763 |
| Net loans and leases to total assets | 64.4565% | 1,712 |
| Net loans and leases to deposits | 73.0598% | 1,953 |
| Net loans and leases to core deposits | 74.7598% | 2,167 |
| Total domestic deposits to total assets | 88.2244% | 1,705 |
| Equity capital to assets | 7.6970% | 4,653 |
| Core capital (leverage) ratio | 7.1559% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3418% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,159,997,500 | 861 |
| Average earning assets | $1,074,006,250 | 860 |
| Average equity | $88,314,500 | 1,134 |
| Average total loans | $778,530,250 | 830 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 3,904 |
| Cost of funding earning assets | 0.2851% | 2,921 |
| Net interest margin | 2.7973% | 3,791 |
| Noninterest income to average assets | 0.6890% | 1,853 |
| Noninterest expense to average assets | 2.2990% | 2,776 |
| Loan and lease loss provision to assets | -0.0035% | 4,391 |
| Net operating income to assets | 0.9825% | 2,948 |
| Return on assets (ROA) | 0.9825% | 3,038 |
| Pretax return on assets | 0.9825% | 3,480 |
| Return on Equity (ROE) | 12.9530% | 1,732 |
| Retained earnings to average equity (ytd only) | 2.4641% | 4,007 |
| Net charge-offs to loans | -0.0013% | 3,117 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1327% | 1,620 |
| Assets per employee ($millions) | 6.5717% | 2,109 |
| Cash dividends to net income (ytd only)* | 80.9766% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,721 |
| Loan loss allowance to noncurrent loans | 3,293.4426% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,940 |
| Noncurrent loans to loans | 0.0313% | 4,045 |
| Net loans and leases to total assets | 66.8030% | 1,604 |
| Net loans and leases to deposits | 75.9144% | 1,832 |
| Net loans and leases to core deposits | 77.7291% | 2,070 |
| Total domestic deposits to total assets | 87.9978% | 1,820 |
| Equity capital to assets | 7.6345% | 4,696 |
| Core capital (leverage) ratio | 7.1478% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8542% | 2,984 |
| Memoranda: | ||
| Average total assets | $1,158,851,667 | 855 |
| Average earning assets | $1,072,619,667 | 854 |
| Average equity | $87,902,667 | 1,131 |
| Average total loans | $785,385,000 | 826 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0997% | 3,881 |
| Cost of funding earning assets | 0.2921% | 3,075 |
| Net interest margin | 2.8076% | 3,748 |
| Noninterest income to average assets | 0.6462% | 2,042 |
| Noninterest expense to average assets | 2.2649% | 2,891 |
| Loan and lease loss provision to assets | -0.0055% | 4,562 |
| Net operating income to assets | 0.9855% | 2,857 |
| Return on assets (ROA) | 0.9855% | 2,953 |
| Pretax return on assets | 0.9855% | 3,417 |
| Return on Equity (ROE) | 13.0350% | 1,662 |
| Retained earnings to average equity (ytd only) | 5.2541% | 3,150 |
| Net charge-offs to loans | -0.0010% | 3,052 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7981% | 1,730 |
| Assets per employee ($millions) | 6.6059% | 2,091 |
| Cash dividends to net income (ytd only)* | 59.6921% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,788 |
| Loan loss allowance to noncurrent loans | 8,285.5670% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 3,237 |
| Noncurrent loans to loans | 0.0122% | 4,248 |
| Net loans and leases to total assets | 66.7178% | 1,698 |
| Net loans and leases to deposits | 75.6444% | 1,953 |
| Net loans and leases to core deposits | 76.7264% | 2,291 |
| Total domestic deposits to total assets | 88.1992% | 1,740 |
| Equity capital to assets | 7.5245% | 4,699 |
| Core capital (leverage) ratio | 7.2231% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4091% | 2,836 |
| Memoranda: | ||
| Average total assets | $1,159,964,500 | 845 |
| Average earning assets | $1,073,667,000 | 843 |
| Average equity | $87,702,500 | 1,120 |
| Average total loans | $787,729,000 | 823 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 3,370 |
| Cost of funding earning assets | 0.4424% | 3,332 |
| Net interest margin | 3.3343% | 2,973 |
| Noninterest income to average assets | 0.5843% | 2,279 |
| Noninterest expense to average assets | 2.4650% | 2,948 |
| Loan and lease loss provision to assets | 0.0849% | 3,312 |
| Net operating income to assets | 1.0867% | 1,968 |
| Return on assets (ROA) | 1.0827% | 2,114 |
| Pretax return on assets | 1.0827% | 2,757 |
| Return on Equity (ROE) | 13.1513% | 1,004 |
| Retained earnings to average equity (ytd only) | 4.4273% | 2,579 |
| Net charge-offs to loans | 0.1224% | 1,274 |
| Credit loss provision to net charge-offs | 91.8239% | 2,917 |
| Earnings coverage of net charge-offs (x) | 12.6751% | 2,319 |
| Efficiency ratio | 67.7839% | 2,257 |
| Assets per employee ($millions) | 6.3560% | 2,042 |
| Cash dividends to net income (ytd only)* | 66.3356% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,765 |
| Loan loss allowance to noncurrent loans | 24,396.9697% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 3,328 |
| Noncurrent loans to loans | 0.0042% | 4,387 |
| Net loans and leases to total assets | 67.7287% | 1,857 |
| Net loans and leases to deposits | 77.1393% | 2,162 |
| Net loans and leases to core deposits | 78.3148% | 2,533 |
| Total domestic deposits to total assets | 87.8004% | 1,571 |
| Equity capital to assets | 7.5981% | 4,822 |
| Core capital (leverage) ratio | 7.4991% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2567% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,032,137,800 | 857 |
| Average earning assets | $944,827,800 | 858 |
| Average equity | $84,972,800 | 1,097 |
| Average total loans | $779,361,800 | 800 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 3,429 |
| Cost of funding earning assets | 0.4777% | 3,372 |
| Net interest margin | 3.3654% | 3,008 |
| Noninterest income to average assets | 0.6053% | 2,154 |
| Noninterest expense to average assets | 2.5030% | 2,832 |
| Loan and lease loss provision to assets | 0.0645% | 3,529 |
| Net operating income to assets | 1.1104% | 1,951 |
| Return on assets (ROA) | 1.1050% | 2,091 |
| Pretax return on assets | 1.1050% | 2,729 |
| Return on Equity (ROE) | 13.1335% | 1,069 |
| Retained earnings to average equity (ytd only) | 2.7429% | 3,628 |
| Net charge-offs to loans | 0.1017% | 1,297 |
| Credit loss provision to net charge-offs | 81.8182% | 2,750 |
| Earnings coverage of net charge-offs (x) | 14.8973% | 2,127 |
| Efficiency ratio | 68.0542% | 2,187 |
| Assets per employee ($millions) | 6.2223% | 2,068 |
| Cash dividends to net income (ytd only)* | 79.1156% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,813 |
| Loan loss allowance to noncurrent loans | 21,107.8947% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 1,809 |
| Noncurrent loans to loans | 0.0046% | 4,442 |
| Net loans and leases to total assets | 72.9672% | 1,506 |
| Net loans and leases to deposits | 84.7478% | 1,834 |
| Net loans and leases to core deposits | 85.9488% | 2,305 |
| Total domestic deposits to total assets | 86.0992% | 2,021 |
| Equity capital to assets | 7.6509% | 4,823 |
| Core capital (leverage) ratio | 7.5212% | 4,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8607% | 2,949 |
| Memoranda: | ||
| Average total assets | $1,004,151,500 | 865 |
| Average earning assets | $916,788,000 | 874 |
| Average equity | $84,484,000 | 1,094 |
| Average total loans | $778,471,500 | 798 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,321 |
| Cost of funding earning assets | 0.5311% | 3,341 |
| Net interest margin | 3.4691% | 2,888 |
| Noninterest income to average assets | 0.5705% | 2,253 |
| Noninterest expense to average assets | 2.5710% | 2,765 |
| Loan and lease loss provision to assets | 0.0638% | 3,497 |
| Net operating income to assets | 1.0908% | 2,002 |
| Return on assets (ROA) | 1.0908% | 2,123 |
| Pretax return on assets | 1.0908% | 2,735 |
| Return on Equity (ROE) | 12.5259% | 1,210 |
| Retained earnings to average equity (ytd only) | 5.3757% | 2,320 |
| Net charge-offs to loans | 0.1518% | 961 |
| Credit loss provision to net charge-offs | 53.1952% | 2,610 |
| Earnings coverage of net charge-offs (x) | 9.6269% | 2,207 |
| Efficiency ratio | 69.0092% | 2,089 |
| Assets per employee ($millions) | 5.6438% | 2,497 |
| Cash dividends to net income (ytd only)* | 57.0832% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 3,800 |
| Loan loss allowance to noncurrent loans | 157.6329% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 1,760 |
| Noncurrent loans to loans | 0.6025% | 2,339 |
| Net loans and leases to total assets | 76.0220% | 1,135 |
| Net loans and leases to deposits | 91.7583% | 1,185 |
| Net loans and leases to core deposits | 93.1863% | 1,810 |
| Total domestic deposits to total assets | 82.8503% | 3,128 |
| Equity capital to assets | 7.9732% | 4,731 |
| Core capital (leverage) ratio | 7.9604% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7820% | 3,021 |
| Memoranda: | ||
| Average total assets | $965,530,667 | 885 |
| Average earning assets | $878,141,000 | 887 |
| Average equity | $84,081,667 | 1,096 |
| Average total loans | $762,874,000 | 798 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,794 |
| Cost of funding earning assets | 0.6780% | 3,023 |
| Net interest margin | 3.6628% | 2,458 |
| Noninterest income to average assets | 0.6480% | 1,837 |
| Noninterest expense to average assets | 2.7599% | 2,545 |
| Loan and lease loss provision to assets | 0.0066% | 3,673 |
| Net operating income to assets | 1.1873% | 1,556 |
| Return on assets (ROA) | 1.1873% | 1,675 |
| Pretax return on assets | 1.1873% | 2,240 |
| Return on Equity (ROE) | 12.9841% | 888 |
| Retained earnings to average equity (ytd only) | 4.2623% | 2,586 |
| Net charge-offs to loans | 0.2387% | 597 |
| Credit loss provision to net charge-offs | 3.4404% | 2,245 |
| Earnings coverage of net charge-offs (x) | 6.2248% | 1,999 |
| Efficiency ratio | 69.8042% | 2,389 |
| Assets per employee ($millions) | 4.8269% | 2,841 |
| Cash dividends to net income (ytd only)* | 67.1730% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,432 |
| Loan loss allowance to noncurrent loans | 158.3077% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 1,639 |
| Noncurrent loans to loans | 0.6655% | 2,327 |
| Net loans and leases to total assets | 80.1976% | 674 |
| Net loans and leases to deposits | 98.1569% | 695 |
| Net loans and leases to core deposits | 101.3155% | 1,376 |
| Total domestic deposits to total assets | 81.7035% | 3,497 |
| Equity capital to assets | 9.1765% | 4,482 |
| Core capital (leverage) ratio | 9.0809% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7489% | 3,169 |
| Memoranda: | ||
| Average total assets | $909,312,000 | 904 |
| Average earning assets | $820,678,500 | 921 |
| Average equity | $83,148,000 | 1,103 |
| Average total loans | $730,635,500 | 809 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 2,923 |
| Cost of funding earning assets | 0.8325% | 2,517 |
| Net interest margin | 3.6733% | 2,892 |
| Noninterest income to average assets | 0.6191% | 2,135 |
| Noninterest expense to average assets | 2.7301% | 2,801 |
| Loan and lease loss provision to assets | 0.1289% | 1,661 |
| Net operating income to assets | 1.0888% | 2,481 |
| Return on assets (ROA) | 1.0403% | 2,788 |
| Pretax return on assets | 1.0403% | 3,357 |
| Return on Equity (ROE) | 11.8156% | 1,580 |
| Retained earnings to average equity (ytd only) | 3.6459% | 3,171 |
| Net charge-offs to loans | 0.1070% | 1,657 |
| Credit loss provision to net charge-offs | 150.7006% | 1,693 |
| Earnings coverage of net charge-offs (x) | 14.2318% | 2,297 |
| Efficiency ratio | 69.1535% | 2,294 |
| Assets per employee ($millions) | 4.8210% | 2,813 |
| Cash dividends to net income (ytd only)* | 69.1429% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,860 |
| Loan loss allowance to noncurrent loans | 157.2645% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8566% | 1,498 |
| Noncurrent loans to loans | 0.7084% | 2,103 |
| Net loans and leases to total assets | 78.7719% | 968 |
| Net loans and leases to deposits | 96.4339% | 903 |
| Net loans and leases to core deposits | 103.1149% | 1,302 |
| Total domestic deposits to total assets | 81.6849% | 3,591 |
| Equity capital to assets | 9.1120% | 4,632 |
| Core capital (leverage) ratio | 8.8393% | 4,648 |
| Tier 1 risk-based capital ratio | 10.5398% | 5,009 |
| Total risk-based capital ratio | 11.6447% | 4,987 |
| Memoranda: | ||
| Average total assets | $917,416,800 | 860 |
| Average earning assets | $831,354,600 | 872 |
| Average equity | $80,774,600 | 1,080 |
| Average total loans | $733,754,400 | 777 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 3,004 |
| Cost of funding earning assets | 0.8465% | 2,484 |
| Net interest margin | 3.6700% | 3,029 |
| Noninterest income to average assets | 0.5621% | 2,401 |
| Noninterest expense to average assets | 2.7512% | 2,710 |
| Loan and lease loss provision to assets | 0.0934% | 2,041 |
| Net operating income to assets | 1.0473% | 2,793 |
| Return on assets (ROA) | 1.0474% | 2,882 |
| Pretax return on assets | 1.0474% | 3,455 |
| Return on Equity (ROE) | 12.0011% | 1,618 |
| Retained earnings to average equity (ytd only) | 3.5554% | 3,625 |
| Net charge-offs to loans | 0.0989% | 1,483 |
| Credit loss provision to net charge-offs | 117.9817% | 1,984 |
| Earnings coverage of net charge-offs (x) | 14.4073% | 2,247 |
| Efficiency ratio | 70.6906% | 2,024 |
| Assets per employee ($millions) | 4.8398% | 2,745 |
| Cash dividends to net income (ytd only)* | 70.3745% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,322 |
| Loan loss allowance to noncurrent loans | 143.2047% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 1,458 |
| Noncurrent loans to loans | 0.7297% | 2,142 |
| Net loans and leases to total assets | 79.7881% | 875 |
| Net loans and leases to deposits | 98.7311% | 748 |
| Net loans and leases to core deposits | 106.6386% | 1,139 |
| Total domestic deposits to total assets | 80.8136% | 3,802 |
| Equity capital to assets | 8.8773% | 4,836 |
| Core capital (leverage) ratio | 8.6991% | 4,841 |
| Tier 1 risk-based capital ratio | 10.4037% | 5,105 |
| Total risk-based capital ratio | 11.4570% | 5,076 |
| Memoranda: | ||
| Average total assets | $917,774,750 | 857 |
| Average earning assets | $832,713,750 | 865 |
| Average equity | $80,102,000 | 1,083 |
| Average total loans | $734,776,000 | 776 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 3,025 |
| Cost of funding earning assets | 0.8344% | 2,482 |
| Net interest margin | 3.6628% | 3,060 |
| Noninterest income to average assets | 0.5399% | 2,440 |
| Noninterest expense to average assets | 2.7082% | 2,875 |
| Loan and lease loss provision to assets | 0.0871% | 2,110 |
| Net operating income to assets | 1.0701% | 2,650 |
| Return on assets (ROA) | 1.0703% | 2,711 |
| Pretax return on assets | 1.0703% | 3,322 |
| Return on Equity (ROE) | 12.3346% | 1,462 |
| Retained earnings to average equity (ytd only) | 2.5950% | 3,892 |
| Net charge-offs to loans | 0.1329% | 1,139 |
| Credit loss provision to net charge-offs | 82.0619% | 2,208 |
| Earnings coverage of net charge-offs (x) | 10.9031% | 2,233 |
| Efficiency ratio | 70.0634% | 2,216 |
| Assets per employee ($millions) | 4.7455% | 2,809 |
| Cash dividends to net income (ytd only)* | 78.9614% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,372 |
| Loan loss allowance to noncurrent loans | 1,115.9124% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 1,889 |
| Noncurrent loans to loans | 0.0935% | 4,264 |
| Net loans and leases to total assets | 79.1484% | 1,018 |
| Net loans and leases to deposits | 96.5514% | 977 |
| Net loans and leases to core deposits | 102.2778% | 1,529 |
| Total domestic deposits to total assets | 81.9754% | 3,517 |
| Equity capital to assets | 8.8926% | 4,857 |
| Core capital (leverage) ratio | 8.6956% | 4,848 |
| Tier 1 risk-based capital ratio | 10.4141% | 5,134 |
| Total risk-based capital ratio | 11.4547% | 5,121 |
| Memoranda: | ||
| Average total assets | $913,952,330 | 853 |
| Average earning assets | $829,791,330 | 866 |
| Average equity | $79,305,330 | 1,090 |
| Average total loans | $729,950,000 | 777 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,979 |
| Cost of funding earning assets | 0.8192% | 2,430 |
| Net interest margin | 3.6475% | 3,080 |
| Noninterest income to average assets | 0.4924% | 2,604 |
| Noninterest expense to average assets | 2.7299% | 2,810 |
| Loan and lease loss provision to assets | 0.0819% | 2,062 |
| Net operating income to assets | 0.9893% | 2,888 |
| Return on assets (ROA) | 0.9897% | 2,920 |
| Pretax return on assets | 0.9897% | 3,476 |
| Return on Equity (ROE) | 11.5498% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.1781% | 4,021 |
| Net charge-offs to loans | 0.2218% | 637 |
| Credit loss provision to net charge-offs | 46.2871% | 1,999 |
| Earnings coverage of net charge-offs (x) | 6.0520% | 2,221 |
| Efficiency ratio | 71.8188% | 2,061 |
| Assets per employee ($millions) | 4.6723% | 2,952 |
| Cash dividends to net income (ytd only)* | 81.1421% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,504 |
| Loan loss allowance to noncurrent loans | 1,124.8503% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,674 |
| Noncurrent loans to loans | 0.0919% | 4,338 |
| Net loans and leases to total assets | 78.5602% | 1,066 |
| Net loans and leases to deposits | 93.6669% | 1,207 |
| Net loans and leases to core deposits | 99.3317% | 1,679 |
| Total domestic deposits to total assets | 83.8718% | 3,090 |
| Equity capital to assets | 8.6254% | 4,915 |
| Core capital (leverage) ratio | 8.9218% | 4,702 |
| Tier 1 risk-based capital ratio | 10.7023% | 5,109 |
| Total risk-based capital ratio | 11.7313% | 5,088 |
| Memoranda: | ||
| Average total assets | $912,988,500 | 854 |
| Average earning assets | $828,172,500 | 870 |
| Average equity | $78,235,000 | 1,096 |
| Average total loans | $728,650,500 | 781 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 3,192 |
| Cost of funding earning assets | 0.6691% | 2,272 |
| Net interest margin | 3.6063% | 3,361 |
| Noninterest income to average assets | 0.4816% | 2,936 |
| Noninterest expense to average assets | 2.7455% | 2,874 |
| Loan and lease loss provision to assets | 0.0720% | 2,697 |
| Net operating income to assets | 0.9372% | 3,291 |
| Return on assets (ROA) | 0.9372% | 3,286 |
| Pretax return on assets | 0.9356% | 3,800 |
| Return on Equity (ROE) | 10.9854% | 2,085 |
| Retained earnings to average equity (ytd only) | 0.7796% | 4,780 |
| Net charge-offs to loans | 0.1718% | 1,124 |
| Credit loss provision to net charge-offs | 51.9679% | 3,167 |
| Earnings coverage of net charge-offs (x) | 7.2763% | 3,004 |
| Efficiency ratio | 73.1537% | 1,741 |
| Assets per employee ($millions) | 4.6918% | 2,889 |
| Cash dividends to net income (ytd only)* | 92.9029% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,329 |
| Loan loss allowance to noncurrent loans | 751.3120% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,549 |
| Noncurrent loans to loans | 0.1409% | 4,108 |
| Net loans and leases to total assets | 79.3969% | 1,040 |
| Net loans and leases to deposits | 95.8108% | 1,090 |
| Net loans and leases to core deposits | 100.6730% | 1,669 |
| Total domestic deposits to total assets | 82.8685% | 3,373 |
| Equity capital to assets | 8.5125% | 4,927 |
| Core capital (leverage) ratio | 8.7997% | 4,810 |
| Tier 1 risk-based capital ratio | 10.6113% | 5,140 |
| Total risk-based capital ratio | 11.6638% | 5,123 |
| Memoranda: | ||
| Average total assets | $899,092,600 | 850 |
| Average earning assets | $815,627,000 | 861 |
| Average equity | $76,701,800 | 1,069 |
| Average total loans | $724,878,800 | 754 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 3,303 |
| Cost of funding earning assets | 0.6287% | 2,280 |
| Net interest margin | 3.5761% | 3,444 |
| Noninterest income to average assets | 0.4833% | 2,959 |
| Noninterest expense to average assets | 2.7586% | 2,780 |
| Loan and lease loss provision to assets | 0.0460% | 3,066 |
| Net operating income to assets | 0.9244% | 3,413 |
| Return on assets (ROA) | 0.9244% | 3,419 |
| Pretax return on assets | 0.9244% | 3,936 |
| Return on Equity (ROE) | 10.8292% | 2,247 |
| Retained earnings to average equity (ytd only) | -0.3416% | 5,082 |
| Net charge-offs to loans | 0.1618% | 1,020 |
| Credit loss provision to net charge-offs | 35.1936% | 2,942 |
| Earnings coverage of net charge-offs (x) | 7.4294% | 2,811 |
| Efficiency ratio | 73.9788% | 1,598 |
| Assets per employee ($millions) | 4.7157% | 2,827 |
| Cash dividends to net income (ytd only)* | 103.1541% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,436 |
| Loan loss allowance to noncurrent loans | 238.2868% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 2,109 |
| Noncurrent loans to loans | 0.4430% | 3,067 |
| Net loans and leases to total assets | 80.7663% | 907 |
| Net loans and leases to deposits | 100.1520% | 773 |
| Net loans and leases to core deposits | 102.4110% | 1,573 |
| Total domestic deposits to total assets | 80.6437% | 3,972 |
| Equity capital to assets | 8.4268% | 4,971 |
| Core capital (leverage) ratio | 8.8640% | 4,833 |
| Tier 1 risk-based capital ratio | 10.6491% | 5,192 |
| Total risk-based capital ratio | 11.7187% | 5,165 |
| Memoranda: | ||
| Average total assets | $896,315,750 | 851 |
| Average earning assets | $813,498,750 | 860 |
| Average equity | $76,507,000 | 1,065 |
| Average total loans | $723,498,000 | 756 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 3,327 |
| Cost of funding earning assets | 0.6055% | 2,192 |
| Net interest margin | 3.5315% | 3,528 |
| Noninterest income to average assets | 0.4814% | 2,967 |
| Noninterest expense to average assets | 2.7417% | 2,877 |
| Loan and lease loss provision to assets | 0.0141% | 3,593 |
| Net operating income to assets | 0.9260% | 3,339 |
| Return on assets (ROA) | 0.9260% | 3,342 |
| Pretax return on assets | 0.9260% | 3,886 |
| Return on Equity (ROE) | 10.8011% | 2,193 |
| Retained earnings to average equity (ytd only) | -1.4626% | 5,110 |
| Net charge-offs to loans | 0.0639% | 1,706 |
| Credit loss provision to net charge-offs | 27.3913% | 2,643 |
| Earnings coverage of net charge-offs (x) | 18.2870% | 1,907 |
| Efficiency ratio | 74.4673% | 1,643 |
| Assets per employee ($millions) | 4.6266% | 2,932 |
| Cash dividends to net income (ytd only)* | 113.5409% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,983 |
| Loan loss allowance to noncurrent loans | 269.2612% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 1,344 |
| Noncurrent loans to loans | 0.4267% | 3,174 |
| Net loans and leases to total assets | 78.6563% | 1,218 |
| Net loans and leases to deposits | 95.2433% | 1,224 |
| Net loans and leases to core deposits | 97.2789% | 1,940 |
| Total domestic deposits to total assets | 82.5846% | 3,536 |
| Equity capital to assets | 8.4486% | 4,982 |
| Core capital (leverage) ratio | 8.9375% | 4,739 |
| Tier 1 risk-based capital ratio | 10.9400% | 5,085 |
| Total risk-based capital ratio | 12.0987% | 5,022 |
| Memoranda: | ||
| Average total assets | $894,861,330 | 854 |
| Average earning assets | $810,921,000 | 867 |
| Average equity | $76,714,330 | 1,063 |
| Average total loans | $719,591,000 | 765 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 3,346 |
| Cost of funding earning assets | 0.5742% | 2,221 |
| Net interest margin | 3.4929% | 3,560 |
| Noninterest income to average assets | 0.4403% | 3,179 |
| Noninterest expense to average assets | 2.7050% | 3,027 |
| Loan and lease loss provision to assets | 0.0027% | 3,486 |
| Net operating income to assets | 0.9051% | 3,267 |
| Return on assets (ROA) | 0.9051% | 3,273 |
| Pretax return on assets | 0.9051% | 3,832 |
| Return on Equity (ROE) | 10.4820% | 2,181 |
| Retained earnings to average equity (ytd only) | 4.9954% | 3,175 |
| Net charge-offs to loans | -0.0039% | 3,929 |
| Credit loss provision to net charge-offs | -85.7143% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8733% | 1,765 |
| Assets per employee ($millions) | 4.6668% | 2,907 |
| Cash dividends to net income (ytd only)* | 52.3434% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,039 |
| Loan loss allowance to noncurrent loans | 115.0283% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 1,095 |
| Noncurrent loans to loans | 1.0085% | 1,810 |
| Net loans and leases to total assets | 80.1720% | 911 |
| Net loans and leases to deposits | 97.2044% | 924 |
| Net loans and leases to core deposits | 99.3867% | 1,731 |
| Total domestic deposits to total assets | 82.4778% | 3,818 |
| Equity capital to assets | 8.7062% | 4,822 |
| Core capital (leverage) ratio | 9.0008% | 4,677 |
| Tier 1 risk-based capital ratio | 10.9114% | 5,178 |
| Total risk-based capital ratio | 12.0703% | 5,131 |
| Memoranda: | ||
| Average total assets | $895,828,500 | 863 |
| Average earning assets | $813,656,500 | 873 |
| Average equity | $77,351,500 | 1,061 |
| Average total loans | $724,133,000 | 760 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,495 |
| Cost of funding earning assets | 0.5351% | 2,070 |
| Net interest margin | 3.4395% | 3,727 |
| Noninterest income to average assets | 0.4765% | 3,149 |
| Noninterest expense to average assets | 2.6456% | 3,296 |
| Loan and lease loss provision to assets | 0.0648% | 2,924 |
| Net operating income to assets | 0.9039% | 2,690 |
| Return on assets (ROA) | 0.9038% | 2,716 |
| Pretax return on assets | 0.9038% | 3,915 |
| Return on Equity (ROE) | 10.5702% | 1,651 |
| Retained earnings to average equity (ytd only) | 1.4856% | 4,408 |
| Net charge-offs to loans | 0.0889% | 2,203 |
| Credit loss provision to net charge-offs | 91.6149% | 2,755 |
| Earnings coverage of net charge-offs (x) | 13.7003% | 2,375 |
| Efficiency ratio | 73.1978% | 2,032 |
| Assets per employee ($millions) | 4.7630% | 2,780 |
| Cash dividends to net income (ytd only)* | 85.9451% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,106 |
| Loan loss allowance to noncurrent loans | 117.5060% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 975 |
| Noncurrent loans to loans | 0.9724% | 1,818 |
| Net loans and leases to total assets | 79.6400% | 1,013 |
| Net loans and leases to deposits | 99.6487% | 755 |
| Net loans and leases to core deposits | 101.3132% | 1,604 |
| Total domestic deposits to total assets | 79.9208% | 4,349 |
| Equity capital to assets | 8.5645% | 5,073 |
| Core capital (leverage) ratio | 8.9277% | 4,731 |
| Tier 1 risk-based capital ratio | 10.6273% | 5,328 |
| Total risk-based capital ratio | 11.7688% | 5,266 |
| Memoranda: | ||
| Average total assets | $910,800,000 | 814 |
| Average earning assets | $830,907,000 | 830 |
| Average equity | $77,879,600 | 1,034 |
| Average total loans | $724,772,200 | 729 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,511 |
| Cost of funding earning assets | 0.5328% | 2,010 |
| Net interest margin | 3.4202% | 3,776 |
| Noninterest income to average assets | 0.5156% | 2,935 |
| Noninterest expense to average assets | 2.6309% | 3,313 |
| Loan and lease loss provision to assets | 0.0456% | 3,187 |
| Net operating income to assets | 0.9640% | 2,712 |
| Return on assets (ROA) | 0.9640% | 2,768 |
| Pretax return on assets | 0.9640% | 3,823 |
| Return on Equity (ROE) | 11.2788% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.6692% | 4,300 |
| Net charge-offs to loans | 0.0433% | 2,574 |
| Credit loss provision to net charge-offs | 132.7660% | 1,857 |
| Earnings coverage of net charge-offs (x) | 29.3953% | 1,574 |
| Efficiency ratio | 72.2671% | 2,166 |
| Assets per employee ($millions) | 4.6605% | 2,889 |
| Cash dividends to net income (ytd only)* | 76.3342% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,102 |
| Loan loss allowance to noncurrent loans | 93.2547% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 999 |
| Noncurrent loans to loans | 1.2524% | 1,527 |
| Net loans and leases to total assets | 80.4374% | 922 |
| Net loans and leases to deposits | 99.1500% | 807 |
| Net loans and leases to core deposits | 100.4379% | 1,668 |
| Total domestic deposits to total assets | 81.1269% | 4,014 |
| Equity capital to assets | 8.9380% | 4,968 |
| Core capital (leverage) ratio | 8.8426% | 4,929 |
| Tier 1 risk-based capital ratio | 11.0080% | 5,243 |
| Total risk-based capital ratio | 12.2028% | 5,164 |
| Memoranda: | ||
| Average total assets | $912,258,500 | 819 |
| Average earning assets | $833,500,500 | 831 |
| Average equity | $77,973,000 | 1,037 |
| Average total loans | $723,704,000 | 726 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,663 |
| Cost of funding earning assets | 0.5049% | 2,130 |
| Net interest margin | 3.3615% | 3,905 |
| Noninterest income to average assets | 0.5237% | 2,871 |
| Noninterest expense to average assets | 2.5947% | 3,446 |
| Loan and lease loss provision to assets | 0.0420% | 3,161 |
| Net operating income to assets | 0.9608% | 2,603 |
| Return on assets (ROA) | 0.9608% | 2,664 |
| Pretax return on assets | 0.9608% | 3,722 |
| Return on Equity (ROE) | 11.4096% | 1,492 |
| Retained earnings to average equity (ytd only) | 2.3553% | 4,271 |
| Net charge-offs to loans | 0.0343% | 2,504 |
| Credit loss provision to net charge-offs | 155.6452% | 1,492 |
| Earnings coverage of net charge-offs (x) | 37.1855% | 1,307 |
| Efficiency ratio | 72.1255% | 2,312 |
| Assets per employee ($millions) | 4.8302% | 2,606 |
| Cash dividends to net income (ytd only)* | 79.3572% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 3,291 |
| Loan loss allowance to noncurrent loans | 113.4936% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 1,291 |
| Noncurrent loans to loans | 1.0170% | 1,930 |
| Net loans and leases to total assets | 77.2563% | 1,356 |
| Net loans and leases to deposits | 95.2492% | 1,149 |
| Net loans and leases to core deposits | 96.4544% | 1,935 |
| Total domestic deposits to total assets | 81.1096% | 4,155 |
| Equity capital to assets | 8.4372% | 5,340 |
| Core capital (leverage) ratio | 8.8674% | 4,879 |
| Tier 1 risk-based capital ratio | 10.6209% | 5,415 |
| Total risk-based capital ratio | 11.7826% | 5,371 |
| Memoranda: | ||
| Average total assets | $919,629,000 | 817 |
| Average earning assets | $840,946,330 | 830 |
| Average equity | $77,443,670 | 1,044 |
| Average total loans | $723,448,000 | 731 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,561 |
| Cost of funding earning assets | 0.4940% | 2,141 |
| Net interest margin | 3.3631% | 3,791 |
| Noninterest income to average assets | 0.6095% | 2,374 |
| Noninterest expense to average assets | 2.6224% | 3,405 |
| Loan and lease loss provision to assets | 0.0812% | 2,190 |
| Net operating income to assets | 0.9823% | 2,378 |
| Return on assets (ROA) | 0.9823% | 2,426 |
| Pretax return on assets | 0.9823% | 3,441 |
| Return on Equity (ROE) | 11.6761% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.7676% | 2,459 |
| Net charge-offs to loans | 0.0690% | 1,638 |
| Credit loss provision to net charge-offs | 149.1935% | 1,221 |
| Earnings coverage of net charge-offs (x) | 19.5323% | 1,526 |
| Efficiency ratio | 71.1461% | 2,711 |
| Assets per employee ($millions) | 4.6141% | 2,989 |
| Cash dividends to net income (ytd only)* | 50.6035% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,243 |
| Loan loss allowance to noncurrent loans | 109.2921% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 1,429 |
| Noncurrent loans to loans | 1.0819% | 1,891 |
| Net loans and leases to total assets | 78.8413% | 1,008 |
| Net loans and leases to deposits | 96.7005% | 873 |
| Net loans and leases to core deposits | 98.0914% | 1,650 |
| Total domestic deposits to total assets | 81.5314% | 4,289 |
| Equity capital to assets | 8.6541% | 5,106 |
| Core capital (leverage) ratio | 8.7057% | 5,037 |
| Tier 1 risk-based capital ratio | 10.7860% | 5,413 |
| Total risk-based capital ratio | 11.9629% | 5,372 |
| Memoranda: | ||
| Average total assets | $910,916,500 | 830 |
| Average earning assets | $833,281,500 | 840 |
| Average equity | $76,635,000 | 1,052 |
| Average total loans | $718,979,000 | 732 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,524 |
| Cost of funding earning assets | 0.4560% | 2,485 |
| Net interest margin | 3.4583% | 3,596 |
| Noninterest income to average assets | 0.4511% | 3,537 |
| Noninterest expense to average assets | 2.7012% | 3,335 |
| Loan and lease loss provision to assets | 0.0505% | 3,379 |
| Net operating income to assets | 0.8561% | 3,045 |
| Return on assets (ROA) | 0.8703% | 3,088 |
| Pretax return on assets | 0.8703% | 3,941 |
| Return on Equity (ROE) | 9.9873% | 1,959 |
| Retained earnings to average equity (ytd only) | 1.6822% | 4,572 |
| Net charge-offs to loans | 0.0525% | 2,983 |
| Credit loss provision to net charge-offs | 120.6434% | 2,200 |
| Earnings coverage of net charge-offs (x) | 21.6381% | 1,775 |
| Efficiency ratio | 74.8708% | 2,156 |
| Assets per employee ($millions) | 4.7281% | 2,742 |
| Cash dividends to net income (ytd only)* | 83.1569% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,381 |
| Loan loss allowance to noncurrent loans | 115.9773% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 1,576 |
| Noncurrent loans to loans | 0.9988% | 2,093 |
| Net loans and leases to total assets | 77.1981% | 1,331 |
| Net loans and leases to deposits | 97.2597% | 886 |
| Net loans and leases to core deposits | 98.5334% | 1,736 |
| Total domestic deposits to total assets | 79.3731% | 4,702 |
| Equity capital to assets | 8.1800% | 5,482 |
| Core capital (leverage) ratio | 8.6160% | 5,157 |
| Tier 1 risk-based capital ratio | 10.5480% | 5,553 |
| Total risk-based capital ratio | 11.7049% | 5,535 |
| Memoranda: | ||
| Average total assets | $890,220,600 | 817 |
| Average earning assets | $812,588,400 | 819 |
| Average equity | $77,578,400 | 1,021 |
| Average total loans | $710,154,800 | 711 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,451 |
| Cost of funding earning assets | 0.4540% | 2,520 |
| Net interest margin | 3.4876% | 3,517 |
| Noninterest income to average assets | 0.4609% | 3,483 |
| Noninterest expense to average assets | 2.6961% | 3,358 |
| Loan and lease loss provision to assets | 0.0540% | 3,182 |
| Net operating income to assets | 0.8925% | 2,945 |
| Return on assets (ROA) | 0.9117% | 2,975 |
| Pretax return on assets | 0.9117% | 3,943 |
| Return on Equity (ROE) | 10.2960% | 1,929 |
| Retained earnings to average equity (ytd only) | 1.4252% | 4,939 |
| Net charge-offs to loans | 0.0375% | 2,876 |
| Credit loss provision to net charge-offs | 179.3970% | 1,565 |
| Earnings coverage of net charge-offs (x) | 31.4318% | 1,440 |
| Efficiency ratio | 74.0155% | 2,284 |
| Assets per employee ($millions) | 4.6185% | 2,894 |
| Cash dividends to net income (ytd only)* | 86.1577% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,382 |
| Loan loss allowance to noncurrent loans | 136.9298% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 1,780 |
| Noncurrent loans to loans | 0.8604% | 2,534 |
| Net loans and leases to total assets | 79.2426% | 1,002 |
| Net loans and leases to deposits | 100.4117% | 682 |
| Net loans and leases to core deposits | 101.7792% | 1,501 |
| Total domestic deposits to total assets | 78.9177% | 4,739 |
| Equity capital to assets | 8.7788% | 5,335 |
| Core capital (leverage) ratio | 8.7411% | 5,110 |
| Tier 1 risk-based capital ratio | 10.7851% | 5,480 |
| Total risk-based capital ratio | 11.9811% | 5,417 |
| Memoranda: | ||
| Average total assets | $881,101,250 | 824 |
| Average earning assets | $803,811,250 | 827 |
| Average equity | $78,022,000 | 1,024 |
| Average total loans | $706,749,250 | 711 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,481 |
| Cost of funding earning assets | 0.4477% | 2,592 |
| Net interest margin | 3.4875% | 3,534 |
| Noninterest income to average assets | 0.4205% | 3,734 |
| Noninterest expense to average assets | 2.6886% | 3,433 |
| Loan and lease loss provision to assets | 0.0543% | 3,064 |
| Net operating income to assets | 0.8567% | 3,063 |
| Return on assets (ROA) | 0.8857% | 3,055 |
| Pretax return on assets | 0.8857% | 4,007 |
| Return on Equity (ROE) | 9.9730% | 2,067 |
| Retained earnings to average equity (ytd only) | 0.1671% | 5,252 |
| Net charge-offs to loans | 0.0211% | 3,072 |
| Credit loss provision to net charge-offs | 321.6216% | 914 |
| Earnings coverage of net charge-offs (x) | 53.9324% | 946 |
| Efficiency ratio | 74.6908% | 2,260 |
| Assets per employee ($millions) | 4.4823% | 3,064 |
| Cash dividends to net income (ytd only)* | 98.3247% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 3,395 |
| Loan loss allowance to noncurrent loans | 188.3700% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 1,913 |
| Noncurrent loans to loans | 0.6345% | 3,175 |
| Net loans and leases to total assets | 78.9030% | 1,078 |
| Net loans and leases to deposits | 100.0086% | 696 |
| Net loans and leases to core deposits | 101.3414% | 1,527 |
| Total domestic deposits to total assets | 78.8962% | 4,808 |
| Equity capital to assets | 8.7724% | 5,426 |
| Core capital (leverage) ratio | 8.8182% | 5,037 |
| Tier 1 risk-based capital ratio | 10.9018% | 5,478 |
| Total risk-based capital ratio | 12.1233% | 5,414 |
| Memoranda: | ||
| Average total assets | $876,136,670 | 832 |
| Average earning assets | $798,689,670 | 833 |
| Average equity | $77,810,000 | 1,022 |
| Average total loans | $702,840,670 | 714 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 3,375 |
| Cost of funding earning assets | 0.4417% | 2,670 |
| Net interest margin | 3.5150% | 3,407 |
| Noninterest income to average assets | 0.3915% | 3,893 |
| Noninterest expense to average assets | 2.6717% | 3,519 |
| Loan and lease loss provision to assets | 0.0666% | 2,632 |
| Net operating income to assets | 0.8529% | 2,981 |
| Return on assets (ROA) | 0.9112% | 2,815 |
| Pretax return on assets | 0.9112% | 3,795 |
| Return on Equity (ROE) | 10.1969% | 1,904 |
| Retained earnings to average equity (ytd only) | 1.6969% | 4,591 |
| Net charge-offs to loans | 0.0217% | 2,495 |
| Credit loss provision to net charge-offs | 381.5789% | 733 |
| Earnings coverage of net charge-offs (x) | 52.6579% | 851 |
| Efficiency ratio | 74.3954% | 2,411 |
| Assets per employee ($millions) | 4.5724% | 2,951 |
| Cash dividends to net income (ytd only)* | 83.3585% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 3,514 |
| Loan loss allowance to noncurrent loans | 171.2948% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 2,007 |
| Noncurrent loans to loans | 0.6974% | 3,101 |
| Net loans and leases to total assets | 79.2697% | 917 |
| Net loans and leases to deposits | 100.5185% | 590 |
| Net loans and leases to core deposits | 101.7165% | 1,360 |
| Total domestic deposits to total assets | 78.8608% | 4,998 |
| Equity capital to assets | 8.9040% | 5,264 |
| Core capital (leverage) ratio | 8.9494% | 4,917 |
| Tier 1 risk-based capital ratio | 10.9486% | 5,533 |
| Total risk-based capital ratio | 12.1635% | 5,454 |
| Memoranda: | ||
| Average total assets | $870,460,000 | 839 |
| Average earning assets | $792,377,500 | 844 |
| Average equity | $77,788,000 | 1,027 |
| Average total loans | $699,897,500 | 713 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,239 |
| Cost of funding earning assets | 0.4043% | 3,109 |
| Net interest margin | 3.6153% | 3,077 |
| Noninterest income to average assets | 0.4503% | 3,662 |
| Noninterest expense to average assets | 2.7839% | 3,305 |
| Loan and lease loss provision to assets | 0.2098% | 1,001 |
| Net operating income to assets | 0.7363% | 3,642 |
| Return on assets (ROA) | 0.8672% | 3,109 |
| Pretax return on assets | 0.8681% | 3,960 |
| Return on Equity (ROE) | 9.6951% | 2,133 |
| Retained earnings to average equity (ytd only) | 1.1833% | 5,037 |
| Net charge-offs to loans | 0.3302% | 901 |
| Credit loss provision to net charge-offs | 79.3526% | 2,967 |
| Earnings coverage of net charge-offs (x) | 3.5809% | 3,706 |
| Efficiency ratio | 74.6186% | 2,484 |
| Assets per employee ($millions) | 4.4716% | 3,089 |
| Cash dividends to net income (ytd only)* | 87.7951% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 3,519 |
| Loan loss allowance to noncurrent loans | 169.7038% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 1,604 |
| Noncurrent loans to loans | 0.7038% | 3,083 |
| Net loans and leases to total assets | 79.6233% | 893 |
| Net loans and leases to deposits | 101.5882% | 571 |
| Net loans and leases to core deposits | 102.4080% | 1,335 |
| Total domestic deposits to total assets | 78.3785% | 5,085 |
| Equity capital to assets | 8.9694% | 5,155 |
| Core capital (leverage) ratio | 9.0900% | 4,764 |
| Tier 1 risk-based capital ratio | 10.9084% | 5,566 |
| Total risk-based capital ratio | 12.1090% | 5,501 |
| Memoranda: | ||
| Average total assets | $864,461,800 | 794 |
| Average earning assets | $784,408,200 | 804 |
| Average equity | $77,327,800 | 984 |
| Average total loans | $692,384,800 | 670 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 3,258 |
| Cost of funding earning assets | 0.4004% | 3,220 |
| Net interest margin | 3.6202% | 3,082 |
| Noninterest income to average assets | 0.4409% | 3,784 |
| Noninterest expense to average assets | 2.7875% | 3,238 |
| Loan and lease loss provision to assets | 0.2151% | 891 |
| Net operating income to assets | 0.7204% | 3,816 |
| Return on assets (ROA) | 0.8586% | 3,221 |
| Pretax return on assets | 0.8606% | 4,134 |
| Return on Equity (ROE) | 9.6046% | 2,263 |
| Retained earnings to average equity (ytd only) | 1.0917% | 5,280 |
| Net charge-offs to loans | 0.3580% | 735 |
| Credit loss provision to net charge-offs | 75.1212% | 2,679 |
| Earnings coverage of net charge-offs (x) | 3.2746% | 3,529 |
| Efficiency ratio | 74.8324% | 2,431 |
| Assets per employee ($millions) | 4.3330% | 3,271 |
| Cash dividends to net income (ytd only)* | 88.6335% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,760 |
| Loan loss allowance to noncurrent loans | 152.4097% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 1,685 |
| Noncurrent loans to loans | 0.7746% | 3,033 |
| Net loans and leases to total assets | 81.9760% | 580 |
| Net loans and leases to deposits | 104.9861% | 407 |
| Net loans and leases to core deposits | 105.9321% | 1,104 |
| Total domestic deposits to total assets | 78.0827% | 5,167 |
| Equity capital to assets | 9.1256% | 5,189 |
| Core capital (leverage) ratio | 9.0204% | 4,969 |
| Tier 1 risk-based capital ratio | 10.8811% | 5,719 |
| Total risk-based capital ratio | 12.0829% | 5,670 |
| Memoranda: | ||
| Average total assets | $864,824,250 | 801 |
| Average earning assets | $784,541,750 | 808 |
| Average equity | $77,308,000 | 991 |
| Average total loans | $691,614,500 | 668 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 3,322 |
| Cost of funding earning assets | 0.4018% | 3,259 |
| Net interest margin | 3.5915% | 3,122 |
| Noninterest income to average assets | 0.4646% | 3,602 |
| Noninterest expense to average assets | 2.7434% | 3,437 |
| Loan and lease loss provision to assets | 0.2441% | 734 |
| Net operating income to assets | 0.7306% | 3,734 |
| Return on assets (ROA) | 0.9365% | 2,824 |
| Pretax return on assets | 0.9395% | 3,812 |
| Return on Equity (ROE) | 10.5484% | 1,831 |
| Retained earnings to average equity (ytd only) | 1.0486% | 5,154 |
| Net charge-offs to loans | 0.3957% | 656 |
| Credit loss provision to net charge-offs | 78.0882% | 2,359 |
| Earnings coverage of net charge-offs (x) | 3.1272% | 3,238 |
| Efficiency ratio | 73.7258% | 2,716 |
| Assets per employee ($millions) | 4.2771% | 3,344 |
| Cash dividends to net income (ytd only)* | 90.0589% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 3,610 |
| Loan loss allowance to noncurrent loans | 139.9967% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.7712% | 1,314 |
| Noncurrent loans to loans | 0.8803% | 2,926 |
| Net loans and leases to total assets | 79.4536% | 875 |
| Net loans and leases to deposits | 102.2999% | 535 |
| Net loans and leases to core deposits | 103.4949% | 1,220 |
| Total domestic deposits to total assets | 77.6674% | 5,343 |
| Equity capital to assets | 8.9777% | 5,250 |
| Core capital (leverage) ratio | 8.8756% | 5,123 |
| Tier 1 risk-based capital ratio | 10.9325% | 5,747 |
| Total risk-based capital ratio | 12.1502% | 5,682 |
| Memoranda: | ||
| Average total assets | $870,012,330 | 802 |
| Average earning assets | $788,867,670 | 804 |
| Average equity | $77,244,000 | 995 |
| Average total loans | $687,317,330 | 673 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,497 |
| Cost of funding earning assets | 0.3978% | 3,329 |
| Net interest margin | 3.5327% | 3,292 |
| Noninterest income to average assets | 0.4094% | 3,925 |
| Noninterest expense to average assets | 2.7543% | 3,403 |
| Loan and lease loss provision to assets | 0.1632% | 1,232 |
| Net operating income to assets | 0.6985% | 3,809 |
| Return on assets (ROA) | 0.9707% | 2,524 |
| Pretax return on assets | 0.9707% | 3,603 |
| Return on Equity (ROE) | 10.9930% | 1,638 |
| Retained earnings to average equity (ytd only) | 4.2547% | 3,463 |
| Net charge-offs to loans | 0.2609% | 921 |
| Credit loss provision to net charge-offs | 79.9107% | 1,829 |
| Earnings coverage of net charge-offs (x) | 4.2188% | 2,520 |
| Efficiency ratio | 76.1695% | 2,495 |
| Assets per employee ($millions) | 4.3515% | 3,289 |
| Cash dividends to net income (ytd only)* | 61.2964% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 3,565 |
| Loan loss allowance to noncurrent loans | 157.2101% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.4673% | 1,797 |
| Noncurrent loans to loans | 0.8094% | 3,221 |
| Net loans and leases to total assets | 76.6994% | 1,104 |
| Net loans and leases to deposits | 97.5570% | 714 |
| Net loans and leases to core deposits | 98.4688% | 1,431 |
| Total domestic deposits to total assets | 78.6201% | 5,335 |
| Equity capital to assets | 8.8331% | 5,464 |
| Core capital (leverage) ratio | 8.7599% | 5,249 |
| Tier 1 risk-based capital ratio | 11.0708% | 5,774 |
| Total risk-based capital ratio | 12.3209% | 5,695 |
| Memoranda: | ||
| Average total assets | $877,310,000 | 799 |
| Average earning assets | $796,320,500 | 796 |
| Average equity | $77,467,500 | 987 |
| Average total loans | $686,905,500 | 679 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,237 |
| Cost of funding earning assets | 0.4449% | 3,221 |
| Net interest margin | 3.6775% | 3,090 |
| Noninterest income to average assets | 0.4412% | 3,888 |
| Noninterest expense to average assets | 2.7439% | 3,701 |
| Loan and lease loss provision to assets | 0.2202% | 1,116 |
| Net operating income to assets | 0.8279% | 3,232 |
| Return on assets (ROA) | 0.8879% | 3,017 |
| Pretax return on assets | 0.8541% | 4,058 |
| Return on Equity (ROE) | 10.1917% | 2,030 |
| Retained earnings to average equity (ytd only) | 1.8522% | 4,878 |
| Net charge-offs to loans | 0.3277% | 1,345 |
| Credit loss provision to net charge-offs | 82.6273% | 2,820 |
| Earnings coverage of net charge-offs (x) | 3.8057% | 3,808 |
| Efficiency ratio | 73.0109% | 3,030 |
| Assets per employee ($millions) | 4.3347% | 3,295 |
| Cash dividends to net income (ytd only)* | 81.8264% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 3,590 |
| Loan loss allowance to noncurrent loans | 149.5571% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 1,767 |
| Noncurrent loans to loans | 0.8496% | 3,184 |
| Net loans and leases to total assets | 77.9054% | 1,007 |
| Net loans and leases to deposits | 99.0777% | 681 |
| Net loans and leases to core deposits | 100.0877% | 1,389 |
| Total domestic deposits to total assets | 78.6306% | 5,323 |
| Equity capital to assets | 8.8271% | 5,456 |
| Core capital (leverage) ratio | 8.7437% | 5,300 |
| Tier 1 risk-based capital ratio | 11.4934% | 5,668 |
| Total risk-based capital ratio | 12.7444% | 5,583 |
| Memoranda: | ||
| Average total assets | $876,867,000 | 761 |
| Average earning assets | $790,886,000 | 769 |
| Average equity | $76,395,800 | 959 |
| Average total loans | $713,107,800 | 610 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,175 |
| Cost of funding earning assets | 0.4493% | 3,260 |
| Net interest margin | 3.6997% | 3,025 |
| Noninterest income to average assets | 0.4455% | 3,924 |
| Noninterest expense to average assets | 2.7196% | 3,752 |
| Loan and lease loss provision to assets | 0.2009% | 1,181 |
| Net operating income to assets | 0.9059% | 2,885 |
| Return on assets (ROA) | 0.9085% | 2,969 |
| Pretax return on assets | 0.8634% | 4,135 |
| Return on Equity (ROE) | 10.4620% | 2,021 |
| Retained earnings to average equity (ytd only) | 1.6033% | 5,242 |
| Net charge-offs to loans | 0.2727% | 1,441 |
| Credit loss provision to net charge-offs | 89.9320% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.7517% | 3,388 |
| Efficiency ratio | 71.9219% | 3,195 |
| Assets per employee ($millions) | 4.4591% | 3,040 |
| Cash dividends to net income (ytd only)* | 84.6746% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 3,737 |
| Loan loss allowance to noncurrent loans | 152.8845% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4864% | 2,067 |
| Noncurrent loans to loans | 0.8390% | 3,476 |
| Net loans and leases to total assets | 79.5801% | 759 |
| Net loans and leases to deposits | 101.2188% | 544 |
| Net loans and leases to core deposits | 102.2508% | 1,201 |
| Total domestic deposits to total assets | 78.6219% | 5,410 |
| Equity capital to assets | 8.7518% | 5,592 |
| Core capital (leverage) ratio | 8.7277% | 5,408 |
| Tier 1 risk-based capital ratio | 11.1864% | 5,916 |
| Total risk-based capital ratio | 12.4375% | 5,864 |
| Memoranda: | ||
| Average total assets | $877,180,500 | 762 |
| Average earning assets | $790,890,000 | 774 |
| Average equity | $76,172,000 | 965 |
| Average total loans | $718,652,500 | 604 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,164 |
| Cost of funding earning assets | 0.4552% | 3,264 |
| Net interest margin | 3.6910% | 2,997 |
| Noninterest income to average assets | 0.5003% | 3,482 |
| Noninterest expense to average assets | 2.7232% | 3,785 |
| Loan and lease loss provision to assets | 0.2188% | 1,065 |
| Net operating income to assets | 0.9476% | 2,559 |
| Return on assets (ROA) | 0.9514% | 2,637 |
| Pretax return on assets | 0.8838% | 3,951 |
| Return on Equity (ROE) | 10.9852% | 1,748 |
| Retained earnings to average equity (ytd only) | 2.3138% | 4,726 |
| Net charge-offs to loans | 0.2845% | 1,399 |
| Credit loss provision to net charge-offs | 93.3916% | 2,125 |
| Earnings coverage of net charge-offs (x) | 4.6890% | 3,062 |
| Efficiency ratio | 71.2507% | 3,461 |
| Assets per employee ($millions) | 4.3528% | 3,172 |
| Cash dividends to net income (ytd only)* | 78.9373% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 4,058 |
| Loan loss allowance to noncurrent loans | 145.0135% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 1,915 |
| Noncurrent loans to loans | 0.8717% | 3,522 |
| Net loans and leases to total assets | 81.3932% | 533 |
| Net loans and leases to deposits | 102.2355% | 436 |
| Net loans and leases to core deposits | 103.3139% | 1,062 |
| Total domestic deposits to total assets | 79.6134% | 5,326 |
| Equity capital to assets | 8.7685% | 5,550 |
| Core capital (leverage) ratio | 8.7504% | 5,340 |
| Tier 1 risk-based capital ratio | 10.9378% | 6,073 |
| Total risk-based capital ratio | 12.1886% | 6,018 |
| Memoranda: | ||
| Average total assets | $878,243,670 | 766 |
| Average earning assets | $790,345,670 | 779 |
| Average equity | $76,066,000 | 965 |
| Average total loans | $723,350,000 | 599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 2,947 |
| Cost of funding earning assets | 0.4606% | 3,304 |
| Net interest margin | 3.7197% | 2,787 |
| Noninterest income to average assets | 0.4055% | 4,144 |
| Noninterest expense to average assets | 2.6589% | 4,084 |
| Loan and lease loss provision to assets | 0.1646% | 1,477 |
| Net operating income to assets | 0.9015% | 2,643 |
| Return on assets (ROA) | 0.9015% | 2,711 |
| Pretax return on assets | 0.9301% | 3,590 |
| Return on Equity (ROE) | 10.4725% | 1,879 |
| Retained earnings to average equity (ytd only) | 4.9009% | 3,170 |
| Net charge-offs to loans | 0.2120% | 1,483 |
| Credit loss provision to net charge-offs | 94.2708% | 1,761 |
| Earnings coverage of net charge-offs (x) | 6.2708% | 2,246 |
| Efficiency ratio | 70.8369% | 3,678 |
| Assets per employee ($millions) | 4.2922% | 3,354 |
| Cash dividends to net income (ytd only)* | 53.2022% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,257 |
| Loan loss allowance to noncurrent loans | 166.3278% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.6159% | 2,182 |
| Noncurrent loans to loans | 0.7657% | 3,949 |
| Net loans and leases to total assets | 81.5189% | 394 |
| Net loans and leases to deposits | 102.4578% | 351 |
| Net loans and leases to core deposits | 103.5403% | 886 |
| Total domestic deposits to total assets | 79.5634% | 5,577 |
| Equity capital to assets | 8.7722% | 5,368 |
| Core capital (leverage) ratio | 8.6461% | 5,463 |
| Tier 1 risk-based capital ratio | 10.8933% | 6,199 |
| Total risk-based capital ratio | 12.1442% | 6,150 |
| Memoranda: | ||
| Average total assets | $879,911,000 | 769 |
| Average earning assets | $792,002,500 | 782 |
| Average equity | $75,741,000 | 966 |
| Average total loans | $724,408,500 | 602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 3,038 |
| Cost of funding earning assets | 0.4913% | 3,694 |
| Net interest margin | 3.7892% | 2,687 |
| Noninterest income to average assets | 0.4270% | 4,254 |
| Noninterest expense to average assets | 2.7099% | 4,058 |
| Loan and lease loss provision to assets | 0.4302% | 683 |
| Net operating income to assets | 0.6733% | 3,926 |
| Return on assets (ROA) | 0.6742% | 4,018 |
| Pretax return on assets | 0.7104% | 4,502 |
| Return on Equity (ROE) | 8.0860% | 2,995 |
| Retained earnings to average equity (ytd only) | 1.3546% | 5,218 |
| Net charge-offs to loans | 0.4787% | 1,390 |
| Credit loss provision to net charge-offs | 109.6949% | 2,195 |
| Earnings coverage of net charge-offs (x) | 2.9062% | 4,027 |
| Efficiency ratio | 70.3953% | 3,772 |
| Assets per employee ($millions) | 4.3131% | 3,244 |
| Cash dividends to net income (ytd only)* | 83.2476% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,348 |
| Loan loss allowance to noncurrent loans | 162.4514% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5307% | 2,428 |
| Noncurrent loans to loans | 0.7752% | 4,029 |
| Net loans and leases to total assets | 81.0554% | 489 |
| Net loans and leases to deposits | 101.5100% | 417 |
| Net loans and leases to core deposits | 104.0269% | 908 |
| Total domestic deposits to total assets | 79.8496% | 5,479 |
| Equity capital to assets | 8.4466% | 5,641 |
| Core capital (leverage) ratio | 8.5057% | 5,666 |
| Tier 1 risk-based capital ratio | 10.5694% | 6,345 |
| Total risk-based capital ratio | 11.7346% | 6,329 |
| Memoranda: | ||
| Average total assets | $894,310,800 | 738 |
| Average earning assets | $807,779,200 | 742 |
| Average equity | $74,561,400 | 959 |
| Average total loans | $732,543,000 | 576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 3,188 |
| Cost of funding earning assets | 0.4958% | 3,805 |
| Net interest margin | 3.7577% | 2,812 |
| Noninterest income to average assets | 0.4235% | 4,341 |
| Noninterest expense to average assets | 2.6728% | 4,122 |
| Loan and lease loss provision to assets | 0.4642% | 601 |
| Net operating income to assets | 0.6682% | 4,024 |
| Return on assets (ROA) | 0.6694% | 4,157 |
| Pretax return on assets | 0.6857% | 4,733 |
| Return on Equity (ROE) | 8.0546% | 3,095 |
| Retained earnings to average equity (ytd only) | 0.9672% | 5,593 |
| Net charge-offs to loans | 0.4887% | 1,316 |
| Credit loss provision to net charge-offs | 116.0342% | 2,030 |
| Earnings coverage of net charge-offs (x) | 2.8713% | 3,878 |
| Efficiency ratio | 69.9396% | 3,769 |
| Assets per employee ($millions) | 4.3146% | 3,196 |
| Cash dividends to net income (ytd only)* | 87.9920% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 4,735 |
| Loan loss allowance to noncurrent loans | 117.4921% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 2,577 |
| Noncurrent loans to loans | 1.0477% | 3,705 |
| Net loans and leases to total assets | 83.3355% | 279 |
| Net loans and leases to deposits | 104.7266% | 271 |
| Net loans and leases to core deposits | 107.0952% | 701 |
| Total domestic deposits to total assets | 79.5743% | 5,614 |
| Equity capital to assets | 8.3694% | 5,863 |
| Core capital (leverage) ratio | 8.3762% | 5,882 |
| Tier 1 risk-based capital ratio | 10.3279% | 6,500 |
| Total risk-based capital ratio | 11.5627% | 6,473 |
| Memoranda: | ||
| Average total assets | $895,763,750 | 739 |
| Average earning assets | $810,040,500 | 744 |
| Average equity | $74,439,750 | 972 |
| Average total loans | $733,338,500 | 575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 3,290 |
| Cost of funding earning assets | 0.5030% | 3,872 |
| Net interest margin | 3.7150% | 2,899 |
| Noninterest income to average assets | 0.3990% | 4,537 |
| Noninterest expense to average assets | 2.6336% | 4,270 |
| Loan and lease loss provision to assets | 0.4477% | 649 |
| Net operating income to assets | 0.6699% | 3,962 |
| Return on assets (ROA) | 0.6727% | 4,105 |
| Pretax return on assets | 0.6796% | 4,745 |
| Return on Equity (ROE) | 8.1144% | 3,032 |
| Retained earnings to average equity (ytd only) | 0.5408% | 5,688 |
| Net charge-offs to loans | 0.4627% | 1,426 |
| Credit loss provision to net charge-offs | 119.3932% | 1,866 |
| Earnings coverage of net charge-offs (x) | 2.9988% | 3,532 |
| Efficiency ratio | 70.0795% | 3,809 |
| Assets per employee ($millions) | 4.0834% | 3,616 |
| Cash dividends to net income (ytd only)* | 93.3355% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 4,817 |
| Loan loss allowance to noncurrent loans | 122.2963% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.5479% | 2,787 |
| Noncurrent loans to loans | 1.0089% | 3,916 |
| Net loans and leases to total assets | 82.8442% | 302 |
| Net loans and leases to deposits | 102.2408% | 322 |
| Net loans and leases to core deposits | 104.5886% | 813 |
| Total domestic deposits to total assets | 81.0285% | 5,332 |
| Equity capital to assets | 8.4064% | 5,867 |
| Core capital (leverage) ratio | 8.3812% | 5,787 |
| Tier 1 risk-based capital ratio | 10.4410% | 6,527 |
| Total risk-based capital ratio | 11.6904% | 6,495 |
| Memoranda: | ||
| Average total assets | $896,643,000 | 737 |
| Average earning assets | $810,718,330 | 744 |
| Average equity | $74,336,670 | 978 |
| Average total loans | $726,595,670 | 574 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,471 |
| Cost of funding earning assets | 0.5051% | 4,037 |
| Net interest margin | 3.6548% | 3,057 |
| Noninterest income to average assets | 0.4098% | 4,393 |
| Noninterest expense to average assets | 2.6393% | 4,279 |
| Loan and lease loss provision to assets | 0.4470% | 639 |
| Net operating income to assets | 0.6201% | 4,121 |
| Return on assets (ROA) | 0.6258% | 4,251 |
| Pretax return on assets | 0.6311% | 4,836 |
| Return on Equity (ROE) | 7.6003% | 3,161 |
| Retained earnings to average equity (ytd only) | -0.0485% | 5,781 |
| Net charge-offs to loans | 0.4689% | 1,277 |
| Credit loss provision to net charge-offs | 119.7150% | 1,604 |
| Earnings coverage of net charge-offs (x) | 2.8717% | 2,914 |
| Efficiency ratio | 71.1077% | 3,772 |
| Assets per employee ($millions) | 4.2504% | 3,434 |
| Cash dividends to net income (ytd only)* | 100.6378% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,964 |
| Loan loss allowance to noncurrent loans | 104.8888% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7417% | 2,681 |
| Noncurrent loans to loans | 1.1892% | 3,785 |
| Net loans and leases to total assets | 79.5460% | 467 |
| Net loans and leases to deposits | 97.1488% | 481 |
| Net loans and leases to core deposits | 99.3589% | 986 |
| Total domestic deposits to total assets | 81.8806% | 5,237 |
| Equity capital to assets | 8.2919% | 6,190 |
| Core capital (leverage) ratio | 8.3224% | 5,798 |
| Tier 1 risk-based capital ratio | 10.6237% | 6,545 |
| Total risk-based capital ratio | 11.8745% | 6,516 |
| Memoranda: | ||
| Average total assets | $901,914,000 | 737 |
| Average earning assets | $814,813,000 | 744 |
| Average equity | $74,260,500 | 984 |
| Average total loans | $718,266,500 | 587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 3,174 |
| Cost of funding earning assets | 0.7346% | 3,211 |
| Net interest margin | 3.8240% | 3,128 |
| Noninterest income to average assets | 0.2623% | 5,589 |
| Noninterest expense to average assets | 2.7008% | 4,396 |
| Loan and lease loss provision to assets | 0.5676% | 995 |
| Net operating income to assets | 0.4337% | 4,955 |
| Return on assets (ROA) | 0.5910% | 4,539 |
| Pretax return on assets | 0.5974% | 5,003 |
| Return on Equity (ROE) | 7.0551% | 3,613 |
| Retained earnings to average equity (ytd only) | 0.4690% | 5,616 |
| Net charge-offs to loans | 0.6815% | 1,734 |
| Credit loss provision to net charge-offs | 103.6382% | 2,887 |
| Earnings coverage of net charge-offs (x) | 1.8370% | 4,515 |
| Efficiency ratio | 72.8590% | 3,265 |
| Assets per employee ($millions) | 4.2986% | 3,362 |
| Cash dividends to net income (ytd only)* | 93.3524% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,938 |
| Loan loss allowance to noncurrent loans | 95.3228% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.8450% | 2,648 |
| Noncurrent loans to loans | 1.2993% | 3,666 |
| Net loans and leases to total assets | 77.7603% | 705 |
| Net loans and leases to deposits | 94.2213% | 733 |
| Net loans and leases to core deposits | 96.5951% | 1,255 |
| Total domestic deposits to total assets | 82.5294% | 4,919 |
| Equity capital to assets | 8.1760% | 6,301 |
| Core capital (leverage) ratio | 8.3494% | 5,826 |
| Tier 1 risk-based capital ratio | 10.6619% | 6,493 |
| Total risk-based capital ratio | 11.9123% | 6,452 |
| Memoranda: | ||
| Average total assets | $888,293,000 | 737 |
| Average earning assets | $800,158,000 | 745 |
| Average equity | $74,414,600 | 951 |
| Average total loans | $713,894,600 | 579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 3,028 |
| Cost of funding earning assets | 0.7702% | 3,185 |
| Net interest margin | 3.8770% | 2,998 |
| Noninterest income to average assets | 0.2374% | 5,856 |
| Noninterest expense to average assets | 2.7090% | 4,329 |
| Loan and lease loss provision to assets | 0.6417% | 824 |
| Net operating income to assets | 0.3786% | 5,334 |
| Return on assets (ROA) | 0.5895% | 4,709 |
| Pretax return on assets | 0.5950% | 5,184 |
| Return on Equity (ROE) | 6.9942% | 3,819 |
| Retained earnings to average equity (ytd only) | 0.7304% | 5,861 |
| Net charge-offs to loans | 0.7703% | 1,436 |
| Credit loss provision to net charge-offs | 103.1280% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.6450% | 4,454 |
| Efficiency ratio | 72.5755% | 3,219 |
| Assets per employee ($millions) | 4.1445% | 3,589 |
| Cash dividends to net income (ytd only)* | 89.5573% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,151 |
| Loan loss allowance to noncurrent loans | 74.4877% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.2591% | 2,359 |
| Noncurrent loans to loans | 1.6493% | 3,317 |
| Net loans and leases to total assets | 80.4954% | 470 |
| Net loans and leases to deposits | 98.0278% | 539 |
| Net loans and leases to core deposits | 99.7445% | 1,138 |
| Total domestic deposits to total assets | 82.1148% | 4,974 |
| Equity capital to assets | 8.4542% | 6,302 |
| Core capital (leverage) ratio | 8.5220% | 5,719 |
| Tier 1 risk-based capital ratio | 10.5543% | 6,648 |
| Total risk-based capital ratio | 11.6159% | 6,688 |
| Memoranda: | ||
| Average total assets | $883,615,250 | 749 |
| Average earning assets | $796,618,500 | 753 |
| Average equity | $74,479,000 | 954 |
| Average total loans | $713,834,750 | 579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 2,856 |
| Cost of funding earning assets | 0.7904% | 3,267 |
| Net interest margin | 3.9254% | 2,809 |
| Noninterest income to average assets | 0.2370% | 5,873 |
| Noninterest expense to average assets | 2.7216% | 4,322 |
| Loan and lease loss provision to assets | 0.7008% | 785 |
| Net operating income to assets | 0.3500% | 5,430 |
| Return on assets (ROA) | 0.6658% | 4,294 |
| Pretax return on assets | 0.6712% | 4,908 |
| Return on Equity (ROE) | 7.9067% | 3,299 |
| Retained earnings to average equity (ytd only) | 1.9264% | 5,236 |
| Net charge-offs to loans | 0.7988% | 1,377 |
| Credit loss provision to net charge-offs | 108.9185% | 2,501 |
| Earnings coverage of net charge-offs (x) | 1.6366% | 4,173 |
| Efficiency ratio | 72.1032% | 3,417 |
| Assets per employee ($millions) | 4.1296% | 3,606 |
| Cash dividends to net income (ytd only)* | 75.6362% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,140 |
| Loan loss allowance to noncurrent loans | 77.5759% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 2.3205% | 2,411 |
| Noncurrent loans to loans | 1.6059% | 3,498 |
| Net loans and leases to total assets | 80.7873% | 428 |
| Net loans and leases to deposits | 98.6856% | 486 |
| Net loans and leases to core deposits | 100.3782% | 1,072 |
| Total domestic deposits to total assets | 81.8633% | 5,183 |
| Equity capital to assets | 8.5386% | 6,173 |
| Core capital (leverage) ratio | 8.4748% | 5,678 |
| Tier 1 risk-based capital ratio | 10.5955% | 6,663 |
| Total risk-based capital ratio | 11.8459% | 6,646 |
| Memoranda: | ||
| Average total assets | $885,272,670 | 749 |
| Average earning assets | $797,824,330 | 757 |
| Average equity | $74,544,670 | 942 |
| Average total loans | $713,091,670 | 577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,749 |
| Cost of funding earning assets | 0.8050% | 3,436 |
| Net interest margin | 3.9676% | 2,640 |
| Noninterest income to average assets | 0.3226% | 5,293 |
| Noninterest expense to average assets | 2.8305% | 3,898 |
| Loan and lease loss provision to assets | 0.8529% | 542 |
| Net operating income to assets | 0.2100% | 5,954 |
| Return on assets (ROA) | 0.5842% | 4,642 |
| Pretax return on assets | 0.5895% | 5,149 |
| Return on Equity (ROE) | 6.9854% | 3,791 |
| Retained earnings to average equity (ytd only) | 1.5046% | 5,486 |
| Net charge-offs to loans | 0.9793% | 1,062 |
| Credit loss provision to net charge-offs | 108.9552% | 2,146 |
| Earnings coverage of net charge-offs (x) | 1.3599% | 3,654 |
| Efficiency ratio | 72.6696% | 3,316 |
| Assets per employee ($millions) | 4.1625% | 3,661 |
| Cash dividends to net income (ytd only)* | 78.4615% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,347 |
| Loan loss allowance to noncurrent loans | 74.0579% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.3469% | 2,538 |
| Noncurrent loans to loans | 1.6659% | 3,605 |
| Net loans and leases to total assets | 78.5668% | 538 |
| Net loans and leases to deposits | 94.9394% | 605 |
| Net loans and leases to core deposits | 96.4051% | 1,263 |
| Total domestic deposits to total assets | 82.7547% | 5,024 |
| Equity capital to assets | 8.2960% | 6,275 |
| Core capital (leverage) ratio | 8.3179% | 5,851 |
| Tier 1 risk-based capital ratio | 10.3439% | 6,779 |
| Total risk-based capital ratio | 11.5909% | 6,783 |
| Memoranda: | ||
| Average total assets | $890,174,000 | 746 |
| Average earning assets | $801,488,000 | 749 |
| Average equity | $74,440,500 | 932 |
| Average total loans | $711,542,000 | 574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 3,233 |
| Cost of funding earning assets | 0.9620% | 3,627 |
| Net interest margin | 3.9630% | 3,054 |
| Noninterest income to average assets | 0.2891% | 5,466 |
| Noninterest expense to average assets | 2.9194% | 3,878 |
| Loan and lease loss provision to assets | 0.6182% | 1,665 |
| Net operating income to assets | 0.3275% | 5,160 |
| Return on assets (ROA) | 0.4670% | 4,763 |
| Pretax return on assets | 0.4696% | 5,077 |
| Return on Equity (ROE) | 5.6748% | 4,040 |
| Retained earnings to average equity (ytd only) | 1.8717% | 4,877 |
| Net charge-offs to loans | 0.7174% | 2,364 |
| Credit loss provision to net charge-offs | 106.0142% | 3,216 |
| Earnings coverage of net charge-offs (x) | 1.6240% | 4,554 |
| Efficiency ratio | 75.5077% | 2,973 |
| Assets per employee ($millions) | 4.0424% | 3,759 |
| Cash dividends to net income (ytd only)* | 67.0175% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 5,279 |
| Loan loss allowance to noncurrent loans | 63.1963% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.6988% | 2,255 |
| Noncurrent loans to loans | 1.9377% | 3,290 |
| Net loans and leases to total assets | 79.3418% | 561 |
| Net loans and leases to deposits | 96.6539% | 646 |
| Net loans and leases to core deposits | 98.7957% | 1,278 |
| Total domestic deposits to total assets | 82.0886% | 5,100 |
| Equity capital to assets | 8.4303% | 6,224 |
| Core capital (leverage) ratio | 8.3760% | 5,742 |
| Tier 1 risk-based capital ratio | 10.2008% | 6,796 |
| Total risk-based capital ratio | 11.4135% | 6,797 |
| Memoranda: | ||
| Average total assets | $895,383,200 | 731 |
| Average earning assets | $808,229,800 | 730 |
| Average equity | $73,677,200 | 918 |
| Average total loans | $727,790,000 | 567 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 3,471 |
| Cost of funding earning assets | 0.9888% | 3,758 |
| Net interest margin | 3.9313% | 3,230 |
| Noninterest income to average assets | 0.2618% | 5,749 |
| Noninterest expense to average assets | 2.9363% | 3,789 |
| Loan and lease loss provision to assets | 0.5934% | 1,661 |
| Net operating income to assets | 0.2851% | 5,447 |
| Return on assets (ROA) | 0.4721% | 4,864 |
| Pretax return on assets | 0.4739% | 5,245 |
| Return on Equity (ROE) | 5.7722% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.4699% | 4,888 |
| Net charge-offs to loans | 0.7031% | 2,155 |
| Credit loss provision to net charge-offs | 103.5455% | 3,216 |
| Earnings coverage of net charge-offs (x) | 1.5360% | 4,487 |
| Efficiency ratio | 76.9353% | 2,686 |
| Assets per employee ($millions) | 4.0881% | 3,658 |
| Cash dividends to net income (ytd only)* | 57.2102% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,605 |
| Loan loss allowance to noncurrent loans | 54.0828% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.8509% | 2,272 |
| Noncurrent loans to loans | 2.1589% | 3,165 |
| Net loans and leases to total assets | 81.3927% | 401 |
| Net loans and leases to deposits | 98.8363% | 523 |
| Net loans and leases to core deposits | 101.4080% | 1,126 |
| Total domestic deposits to total assets | 82.3510% | 4,949 |
| Equity capital to assets | 8.4092% | 6,388 |
| Core capital (leverage) ratio | 8.2187% | 6,112 |
| Tier 1 risk-based capital ratio | 10.0434% | 6,941 |
| Total risk-based capital ratio | 11.2115% | 6,950 |
| Memoranda: | ||
| Average total assets | $898,917,250 | 737 |
| Average earning assets | $812,847,750 | 734 |
| Average equity | $73,523,500 | 926 |
| Average total loans | $732,771,250 | 569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 3,639 |
| Cost of funding earning assets | 1.0170% | 3,838 |
| Net interest margin | 3.8791% | 3,396 |
| Noninterest income to average assets | 0.1783% | 6,381 |
| Noninterest expense to average assets | 2.8482% | 4,239 |
| Loan and lease loss provision to assets | 0.5311% | 1,839 |
| Net operating income to assets | 0.3019% | 5,368 |
| Return on assets (ROA) | 0.5036% | 4,626 |
| Pretax return on assets | 0.5036% | 5,062 |
| Return on Equity (ROE) | 6.2145% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.9258% | 4,422 |
| Net charge-offs to loans | 0.7231% | 2,064 |
| Credit loss provision to net charge-offs | 90.3991% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.4179% | 4,221 |
| Efficiency ratio | 77.3719% | 2,801 |
| Assets per employee ($millions) | 3.9028% | 3,986 |
| Cash dividends to net income (ytd only)* | 52.9205% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,903 |
| Loan loss allowance to noncurrent loans | 73.3472% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.2796% | 2,880 |
| Noncurrent loans to loans | 1.5181% | 4,148 |
| Net loans and leases to total assets | 80.1260% | 519 |
| Net loans and leases to deposits | 96.6806% | 670 |
| Net loans and leases to core deposits | 99.1298% | 1,425 |
| Total domestic deposits to total assets | 82.8770% | 4,815 |
| Equity capital to assets | 8.2286% | 6,494 |
| Core capital (leverage) ratio | 8.2226% | 5,997 |
| Tier 1 risk-based capital ratio | 10.1606% | 6,932 |
| Total risk-based capital ratio | 11.2929% | 6,957 |
| Memoranda: | ||
| Average total assets | $904,215,000 | 736 |
| Average earning assets | $816,539,000 | 744 |
| Average equity | $73,279,670 | 928 |
| Average total loans | $734,625,670 | 577 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 3,476 |
| Cost of funding earning assets | 1.0540% | 3,827 |
| Net interest margin | 3.8671% | 3,313 |
| Noninterest income to average assets | 0.0542% | 7,119 |
| Noninterest expense to average assets | 2.8108% | 4,399 |
| Loan and lease loss provision to assets | 0.3068% | 2,712 |
| Net operating income to assets | 0.4187% | 4,865 |
| Return on assets (ROA) | 0.4187% | 4,955 |
| Pretax return on assets | 0.4134% | 5,300 |
| Return on Equity (ROE) | 5.2063% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.0223% | 4,921 |
| Net charge-offs to loans | 0.2882% | 2,909 |
| Credit loss provision to net charge-offs | 130.8271% | 2,114 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 2,862 |
| Efficiency ratio | 79.6030% | 2,603 |
| Assets per employee ($millions) | 4.0571% | 3,725 |
| Cash dividends to net income (ytd only)* | 61.1579% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,778 |
| Loan loss allowance to noncurrent loans | 70.0839% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.3744% | 2,872 |
| Noncurrent loans to loans | 1.6661% | 3,984 |
| Net loans and leases to total assets | 79.6902% | 542 |
| Net loans and leases to deposits | 95.6098% | 718 |
| Net loans and leases to core deposits | 98.1131% | 1,514 |
| Total domestic deposits to total assets | 83.3494% | 4,771 |
| Equity capital to assets | 8.1034% | 6,387 |
| Core capital (leverage) ratio | 8.0112% | 6,245 |
| Tier 1 risk-based capital ratio | 9.9204% | 7,028 |
| Total risk-based capital ratio | 11.0943% | 7,059 |
| Memoranda: | ||
| Average total assets | $907,502,000 | 739 |
| Average earning assets | $815,908,000 | 750 |
| Average equity | $72,988,000 | 925 |
| Average total loans | $738,267,000 | 581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 4,090 |
| Cost of funding earning assets | 1.5716% | 2,234 |
| Net interest margin | 3.5296% | 5,114 |
| Noninterest income to average assets | 0.2536% | 5,986 |
| Noninterest expense to average assets | 2.7352% | 4,828 |
| Loan and lease loss provision to assets | 0.5599% | 2,885 |
| Net operating income to assets | 0.1306% | 5,500 |
| Return on assets (ROA) | 0.1858% | 5,488 |
| Pretax return on assets | 0.1927% | 5,504 |
| Return on Equity (ROE) | 2.3155% | 5,255 |
| Retained earnings to average equity (ytd only) | -0.6896% | 5,741 |
| Net charge-offs to loans | 0.5631% | 3,365 |
| Credit loss provision to net charge-offs | 122.5760% | 3,411 |
| Earnings coverage of net charge-offs (x) | 1.5217% | 4,607 |
| Efficiency ratio | 79.7373% | 2,449 |
| Assets per employee ($millions) | 4.0637% | 3,653 |
| Cash dividends to net income (ytd only)* | 129.7822% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,887 |
| Loan loss allowance to noncurrent loans | 65.5524% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.7248% | 2,560 |
| Noncurrent loans to loans | 1.7060% | 3,944 |
| Net loans and leases to total assets | 81.1493% | 524 |
| Net loans and leases to deposits | 98.6305% | 666 |
| Net loans and leases to core deposits | 102.0661% | 1,452 |
| Total domestic deposits to total assets | 82.2761% | 5,097 |
| Equity capital to assets | 7.9825% | 6,513 |
| Core capital (leverage) ratio | 7.9654% | 6,254 |
| Tier 1 risk-based capital ratio | 9.8671% | 7,031 |
| Total risk-based capital ratio | 11.0177% | 7,063 |
| Memoranda: | ||
| Average total assets | $914,446,400 | 736 |
| Average earning assets | $823,002,400 | 738 |
| Average equity | $73,374,000 | 909 |
| Average total loans | $741,805,400 | 587 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 4,265 |
| Cost of funding earning assets | 1.6030% | 2,371 |
| Net interest margin | 3.5070% | 5,265 |
| Noninterest income to average assets | 0.1713% | 6,653 |
| Noninterest expense to average assets | 2.6538% | 5,097 |
| Loan and lease loss provision to assets | 0.4553% | 3,197 |
| Net operating income to assets | 0.2167% | 5,458 |
| Return on assets (ROA) | 0.2426% | 5,536 |
| Pretax return on assets | 0.2487% | 5,615 |
| Return on Equity (ROE) | 3.0200% | 5,211 |
| Retained earnings to average equity (ytd only) | 0.1414% | 5,719 |
| Net charge-offs to loans | 0.4959% | 3,292 |
| Credit loss provision to net charge-offs | 113.5076% | 3,693 |
| Earnings coverage of net charge-offs (x) | 1.6892% | 4,435 |
| Efficiency ratio | 79.6625% | 2,395 |
| Assets per employee ($millions) | 3.9627% | 3,916 |
| Cash dividends to net income (ytd only)* | 95.3180% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 6,241 |
| Loan loss allowance to noncurrent loans | 56.0331% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 2,509 |
| Noncurrent loans to loans | 1.8457% | 3,869 |
| Net loans and leases to total assets | 82.4322% | 448 |
| Net loans and leases to deposits | 100.1379% | 651 |
| Net loans and leases to core deposits | 105.4706% | 1,364 |
| Total domestic deposits to total assets | 82.3186% | 4,866 |
| Equity capital to assets | 8.1419% | 6,678 |
| Core capital (leverage) ratio | 8.1022% | 6,195 |
| Tier 1 risk-based capital ratio | 9.8668% | 7,130 |
| Total risk-based capital ratio | 10.9304% | 7,187 |
| Memoranda: | ||
| Average total assets | $915,490,500 | 735 |
| Average earning assets | $824,913,000 | 735 |
| Average equity | $73,552,000 | 902 |
| Average total loans | $740,498,750 | 590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 4,493 |
| Cost of funding earning assets | 1.6229% | 2,527 |
| Net interest margin | 3.4706% | 5,367 |
| Noninterest income to average assets | 0.1686% | 6,697 |
| Noninterest expense to average assets | 2.7128% | 4,858 |
| Loan and lease loss provision to assets | 0.2660% | 4,263 |
| Net operating income to assets | 0.3136% | 5,124 |
| Return on assets (ROA) | 0.3528% | 5,124 |
| Pretax return on assets | 0.3574% | 5,351 |
| Return on Equity (ROE) | 4.4107% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.7240% | 5,012 |
| Net charge-offs to loans | 0.2667% | 4,008 |
| Credit loss provision to net charge-offs | 124.5418% | 3,249 |
| Earnings coverage of net charge-offs (x) | 2.7332% | 3,624 |
| Efficiency ratio | 82.2908% | 2,123 |
| Assets per employee ($millions) | 3.9720% | 3,819 |
| Cash dividends to net income (ytd only)* | 60.9125% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 6,291 |
| Loan loss allowance to noncurrent loans | 61.7296% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.2571% | 3,187 |
| Noncurrent loans to loans | 1.6612% | 4,203 |
| Net loans and leases to total assets | 81.5549% | 588 |
| Net loans and leases to deposits | 99.3649% | 776 |
| Net loans and leases to core deposits | 106.9233% | 1,373 |
| Total domestic deposits to total assets | 82.0762% | 4,953 |
| Equity capital to assets | 8.1401% | 6,610 |
| Core capital (leverage) ratio | 8.0536% | 6,193 |
| Tier 1 risk-based capital ratio | 10.0082% | 7,022 |
| Total risk-based capital ratio | 11.0616% | 7,110 |
| Memoranda: | ||
| Average total assets | $919,487,670 | 727 |
| Average earning assets | $828,738,670 | 725 |
| Average equity | $73,548,670 | 897 |
| Average total loans | $736,479,330 | 592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 5,178 |
| Cost of funding earning assets | 1.6097% | 2,901 |
| Net interest margin | 3.3545% | 5,767 |
| Noninterest income to average assets | 0.3281% | 5,518 |
| Noninterest expense to average assets | 2.7072% | 4,875 |
| Loan and lease loss provision to assets | 0.3091% | 3,569 |
| Net operating income to assets | 0.3342% | 5,148 |
| Return on assets (ROA) | 0.3342% | 5,271 |
| Pretax return on assets | 0.3342% | 5,511 |
| Return on Equity (ROE) | 4.2143% | 4,794 |
| Retained earnings to average equity (ytd only) | 1.5354% | 5,174 |
| Net charge-offs to loans | 0.2307% | 3,543 |
| Credit loss provision to net charge-offs | 169.6682% | 2,145 |
| Earnings coverage of net charge-offs (x) | 3.5308% | 2,877 |
| Efficiency ratio | 80.7990% | 2,439 |
| Assets per employee ($millions) | 4.0683% | 3,711 |
| Cash dividends to net income (ytd only)* | 63.5659% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 6,206 |
| Loan loss allowance to noncurrent loans | 61.6400% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2217% | 3,248 |
| Noncurrent loans to loans | 1.7106% | 4,176 |
| Net loans and leases to total assets | 79.3430% | 933 |
| Net loans and leases to deposits | 98.0885% | 902 |
| Net loans and leases to core deposits | 102.8075% | 1,836 |
| Total domestic deposits to total assets | 80.8892% | 5,499 |
| Equity capital to assets | 8.0797% | 6,570 |
| Core capital (leverage) ratio | 8.0047% | 6,231 |
| Tier 1 risk-based capital ratio | 10.0737% | 6,982 |
| Total risk-based capital ratio | 11.1474% | 7,087 |
| Memoranda: | ||
| Average total assets | $926,423,500 | 737 |
| Average earning assets | $834,693,000 | 737 |
| Average equity | $73,464,000 | 902 |
| Average total loans | $731,606,000 | 616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 4,814 |
| Cost of funding earning assets | 2.1562% | 2,209 |
| Net interest margin | 3.2182% | 6,029 |
| Noninterest income to average assets | 0.5133% | 4,308 |
| Noninterest expense to average assets | 2.7516% | 5,161 |
| Loan and lease loss provision to assets | 0.4972% | 3,890 |
| Net operating income to assets | 0.1195% | 5,148 |
| Return on assets (ROA) | 0.3487% | 4,424 |
| Pretax return on assets | 0.3602% | 4,614 |
| Return on Equity (ROE) | 4.5322% | 3,870 |
| Retained earnings to average equity (ytd only) | -0.2909% | 5,018 |
| Net charge-offs to loans | 0.5719% | 3,504 |
| Credit loss provision to net charge-offs | 110.8950% | 4,959 |
| Earnings coverage of net charge-offs (x) | 1.3854% | 4,750 |
| Efficiency ratio | 81.5817% | 2,660 |
| Assets per employee ($millions) | 4.0760% | 3,665 |
| Cash dividends to net income (ytd only)* | 106.4176% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,313 |
| Loan loss allowance to noncurrent loans | 67.0618% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0835% | 3,294 |
| Noncurrent loans to loans | 1.5087% | 4,399 |
| Net loans and leases to total assets | 77.0056% | 1,585 |
| Net loans and leases to deposits | 96.6547% | 1,251 |
| Net loans and leases to core deposits | 103.6628% | 3,607 |
| Total domestic deposits to total assets | 79.6708% | 5,788 |
| Equity capital to assets | 7.7849% | 6,780 |
| Core capital (leverage) ratio | 7.8430% | 6,400 |
| Tier 1 risk-based capital ratio | 9.9105% | 6,945 |
| Total risk-based capital ratio | 10.9312% | 7,085 |
| Memoranda: | ||
| Average total assets | $951,862,400 | 701 |
| Average earning assets | $845,748,200 | 719 |
| Average equity | $73,231,800 | 889 |
| Average total loans | $746,241,200 | 617 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 4,674 |
| Cost of funding earning assets | 2.2625% | 2,139 |
| Net interest margin | 3.1904% | 6,056 |
| Noninterest income to average assets | 0.5832% | 3,834 |
| Noninterest expense to average assets | 2.6785% | 5,418 |
| Loan and lease loss provision to assets | 0.6292% | 2,873 |
| Net operating income to assets | 0.0990% | 5,465 |
| Return on assets (ROA) | 0.4037% | 4,487 |
| Pretax return on assets | 0.4173% | 4,752 |
| Return on Equity (ROE) | 5.2629% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.9215% | 4,793 |
| Net charge-offs to loans | 0.5709% | 2,967 |
| Credit loss provision to net charge-offs | 140.3115% | 3,504 |
| Earnings coverage of net charge-offs (x) | 1.6330% | 4,569 |
| Efficiency ratio | 78.5305% | 3,074 |
| Assets per employee ($millions) | 3.8975% | 3,950 |
| Cash dividends to net income (ytd only)* | 82.4914% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,738 |
| Loan loss allowance to noncurrent loans | 84.5475% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6651% | 3,872 |
| Noncurrent loans to loans | 1.2990% | 4,770 |
| Net loans and leases to total assets | 80.6696% | 1,047 |
| Net loans and leases to deposits | 103.6036% | 801 |
| Net loans and leases to core deposits | 114.2765% | 2,804 |
| Total domestic deposits to total assets | 77.8636% | 6,123 |
| Equity capital to assets | 8.0488% | 6,803 |
| Core capital (leverage) ratio | 7.9331% | 6,465 |
| Tier 1 risk-based capital ratio | 10.0079% | 6,977 |
| Total risk-based capital ratio | 11.1408% | 7,025 |
| Memoranda: | ||
| Average total assets | $954,438,500 | 713 |
| Average earning assets | $845,887,250 | 729 |
| Average equity | $73,215,000 | 900 |
| Average total loans | $749,685,750 | 629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4102% | 5,095 |
| Cost of funding earning assets | 2.4172% | 1,895 |
| Net interest margin | 2.9930% | 6,571 |
| Noninterest income to average assets | 0.4398% | 4,932 |
| Noninterest expense to average assets | 2.5793% | 5,822 |
| Loan and lease loss provision to assets | 0.3818% | 3,631 |
| Net operating income to assets | 0.1092% | 5,538 |
| Return on assets (ROA) | 0.3870% | 4,663 |
| Pretax return on assets | 0.3994% | 4,937 |
| Return on Equity (ROE) | 5.1246% | 4,023 |
| Retained earnings to average equity (ytd only) | 0.7321% | 4,899 |
| Net charge-offs to loans | 0.3328% | 3,512 |
| Credit loss provision to net charge-offs | 147.8749% | 3,122 |
| Earnings coverage of net charge-offs (x) | 1.9166% | 4,146 |
| Efficiency ratio | 83.9036% | 2,484 |
| Assets per employee ($millions) | 3.9975% | 3,676 |
| Cash dividends to net income (ytd only)* | 85.7143% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,298 |
| Loan loss allowance to noncurrent loans | 86.1270% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5245% | 3,938 |
| Noncurrent loans to loans | 1.1540% | 4,909 |
| Net loans and leases to total assets | 78.9772% | 1,530 |
| Net loans and leases to deposits | 104.3678% | 885 |
| Net loans and leases to core deposits | 129.4914% | 1,614 |
| Total domestic deposits to total assets | 75.6720% | 6,623 |
| Equity capital to assets | 7.7883% | 6,997 |
| Core capital (leverage) ratio | 7.7382% | 6,695 |
| Tier 1 risk-based capital ratio | 9.6611% | 7,259 |
| Total risk-based capital ratio | 10.6681% | 7,424 |
| Memoranda: | ||
| Average total assets | $965,983,670 | 721 |
| Average earning assets | $850,239,330 | 743 |
| Average equity | $72,942,330 | 913 |
| Average total loans | $749,500,670 | 648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 5,300 |
| Cost of funding earning assets | 2.5215% | 1,837 |
| Net interest margin | 2.9020% | 6,740 |
| Noninterest income to average assets | 0.4196% | 5,056 |
| Noninterest expense to average assets | 2.5563% | 5,624 |
| Loan and lease loss provision to assets | 0.4718% | 2,587 |
| Net operating income to assets | -0.0580% | 6,342 |
| Return on assets (ROA) | 0.3136% | 5,420 |
| Pretax return on assets | 0.3230% | 5,614 |
| Return on Equity (ROE) | 4.2176% | 4,834 |
| Retained earnings to average equity (ytd only) | -0.6025% | 5,789 |
| Net charge-offs to loans | 0.5274% | 2,135 |
| Credit loss provision to net charge-offs | 116.9043% | 3,340 |
| Earnings coverage of net charge-offs (x) | 1.0204% | 4,260 |
| Efficiency ratio | 86.1257% | 2,050 |
| Assets per employee ($millions) | 4.1706% | 3,317 |
| Cash dividends to net income (ytd only)* | 114.2857% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 6,476 |
| Loan loss allowance to noncurrent loans | 91.0977% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 4,280 |
| Noncurrent loans to loans | 1.0456% | 4,894 |
| Net loans and leases to total assets | 76.7637% | 2,097 |
| Net loans and leases to deposits | 101.2629% | 1,254 |
| Net loans and leases to core deposits | 131.2496% | 1,586 |
| Total domestic deposits to total assets | 75.8063% | 6,551 |
| Equity capital to assets | 7.4951% | 7,356 |
| Core capital (leverage) ratio | 7.5766% | 7,056 |
| Tier 1 risk-based capital ratio | 9.7999% | 7,141 |
| Total risk-based capital ratio | 10.7684% | 7,360 |
| Memoranda: | ||
| Average total assets | $973,268,000 | 714 |
| Average earning assets | $854,734,000 | 741 |
| Average equity | $72,364,000 | 928 |
| Average total loans | $744,779,000 | 661 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2915% | 4,008 |
| Cost of funding earning assets | 2.9829% | 1,925 |
| Net interest margin | 3.3085% | 6,008 |
| Noninterest income to average assets | 0.4740% | 4,843 |
| Noninterest expense to average assets | 2.6417% | 5,478 |
| Loan and lease loss provision to assets | 0.6236% | 2,338 |
| Net operating income to assets | 0.1959% | 5,863 |
| Return on assets (ROA) | 0.2670% | 5,476 |
| Pretax return on assets | 0.2732% | 5,570 |
| Return on Equity (ROE) | 3.5358% | 5,021 |
| Retained earnings to average equity (ytd only) | -2.9710% | 6,098 |
| Net charge-offs to loans | 0.7415% | 1,668 |
| Credit loss provision to net charge-offs | 107.8453% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.4255% | 5,406 |
| Efficiency ratio | 76.2183% | 3,203 |
| Assets per employee ($millions) | 3.9965% | 3,521 |
| Cash dividends to net income (ytd only)* | 184.0251% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,476 |
| Loan loss allowance to noncurrent loans | 86.0399% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2124% | 3,816 |
| Noncurrent loans to loans | 1.0867% | 4,389 |
| Net loans and leases to total assets | 74.8583% | 2,908 |
| Net loans and leases to deposits | 101.7237% | 1,611 |
| Net loans and leases to core deposits | 143.0858% | 1,131 |
| Total domestic deposits to total assets | 73.5898% | 6,720 |
| Equity capital to assets | 7.3765% | 7,487 |
| Core capital (leverage) ratio | 7.7268% | 6,887 |
| Tier 1 risk-based capital ratio | 9.6649% | 7,127 |
| Total risk-based capital ratio | 10.5956% | 7,398 |
| Memoranda: | ||
| Average total assets | $956,717,400 | 696 |
| Average earning assets | $865,188,000 | 697 |
| Average equity | $72,232,600 | 919 |
| Average total loans | $746,102,400 | 642 |