Home > Parke Bank > Performance and Condition Ratios
Parke Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 675 |
| Cost of funding earning assets | 2.4002% | 461 |
| Net interest margin | 3.5527% | 2,058 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.7606% | 4,055 |
| Loan and lease loss provision to assets | -0.1000% | 4,517 |
| Net operating income to assets | 1.5995% | 867 |
| Return on assets (ROA) | 1.5995% | 835 |
| Pretax return on assets | 2.0638% | 616 |
| Return on Equity (ROE) | 10.0000% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.2947% | 2,135 |
| Net charge-offs to loans | -0.0010% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.3118% | 4,127 |
| Assets per employee ($millions) | 19.4529% | 105 |
| Cash dividends to net income (ytd only)* | 37.0360% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 539 |
| Loan loss allowance to noncurrent loans | 443.9823% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 1,278 |
| Noncurrent loans to loans | 0.4049% | 1,773 |
| Net loans and leases to total assets | 86.7600% | 126 |
| Net loans and leases to deposits | 112.7347% | 149 |
| Net loans and leases to core deposits | 141.5705% | 262 |
| Total domestic deposits to total assets | 76.9600% | 3,849 |
| Equity capital to assets | 16.1169% | 453 |
| Core capital (leverage) ratio | 16.4851% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,987,356,600 | 578 |
| Average earning assets | $1,893,272,400 | 552 |
| Average equity | $317,963,800 | 380 |
| Average total loans | $1,777,512,800 | 449 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8353% | 648 |
| Cost of funding earning assets | 2.2265% | 471 |
| Net interest margin | 3.6089% | 1,986 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.9390% | 3,736 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 1.5340% | 1,058 |
| Return on assets (ROA) | 1.5340% | 1,041 |
| Pretax return on assets | 1.9547% | 800 |
| Return on Equity (ROE) | 9.6100% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.0917% | 2,598 |
| Net charge-offs to loans | -0.0012% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.2167% | 3,816 |
| Assets per employee ($millions) | 18.7101% | 108 |
| Cash dividends to net income (ytd only)* | 36.5857% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 574 |
| Loan loss allowance to noncurrent loans | 163.7400% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.0734% | 460 |
| Noncurrent loans to loans | 1.0965% | 716 |
| Net loans and leases to total assets | 89.1300% | 54 |
| Net loans and leases to deposits | 115.0761% | 120 |
| Net loans and leases to core deposits | 143.2971% | 189 |
| Total domestic deposits to total assets | 77.4500% | 3,881 |
| Equity capital to assets | 16.1428% | 435 |
| Core capital (leverage) ratio | 16.1493% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,978,421,500 | 580 |
| Average earning assets | $1,882,879,250 | 553 |
| Average equity | $315,939,500 | 380 |
| Average total loans | $1,775,056,000 | 445 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 668 |
| Cost of funding earning assets | 1.9991% | 493 |
| Net interest margin | 3.6719% | 1,874 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.3145% | 4,465 |
| Loan and lease loss provision to assets | -0.1900% | 4,606 |
| Net operating income to assets | 2.1133% | 397 |
| Return on assets (ROA) | 2.1133% | 392 |
| Pretax return on assets | 2.7104% | 283 |
| Return on Equity (ROE) | 13.2800% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.5513% | 1,522 |
| Net charge-offs to loans | -0.0014% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 34.2977% | 4,503 |
| Assets per employee ($millions) | 19.0583% | 104 |
| Cash dividends to net income (ytd only)* | 28.0879% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 623 |
| Loan loss allowance to noncurrent loans | 169.9851% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 437 |
| Noncurrent loans to loans | 1.0545% | 693 |
| Net loans and leases to total assets | 88.5000% | 69 |
| Net loans and leases to deposits | 120.9263% | 84 |
| Net loans and leases to core deposits | 150.2659% | 146 |
| Total domestic deposits to total assets | 73.1800% | 4,244 |
| Equity capital to assets | 16.1839% | 427 |
| Core capital (leverage) ratio | 16.4545% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,976,805,667 | 569 |
| Average earning assets | $1,879,405,667 | 544 |
| Average equity | $314,534,000 | 371 |
| Average total loans | $1,766,733,667 | 436 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5468% | 574 |
| Cost of funding earning assets | 1.7339% | 518 |
| Net interest margin | 3.8129% | 1,661 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.3557% | 4,505 |
| Loan and lease loss provision to assets | -0.4900% | 4,657 |
| Net operating income to assets | 2.4190% | 270 |
| Return on assets (ROA) | 2.4190% | 268 |
| Pretax return on assets | 3.1162% | 179 |
| Return on Equity (ROE) | 15.3400% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.2063% | 1,228 |
| Net charge-offs to loans | -0.0009% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.0145% | 4,568 |
| Assets per employee ($millions) | 18.0169% | 121 |
| Cash dividends to net income (ytd only)* | 20.4037% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 677 |
| Loan loss allowance to noncurrent loans | 195.2228% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 490 |
| Noncurrent loans to loans | 0.9156% | 824 |
| Net loans and leases to total assets | 88.1500% | 67 |
| Net loans and leases to deposits | 118.0158% | 100 |
| Net loans and leases to core deposits | 146.2441% | 141 |
| Total domestic deposits to total assets | 74.7000% | 4,252 |
| Equity capital to assets | 16.0501% | 410 |
| Core capital (leverage) ratio | 16.1533% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,974,177,000 | 583 |
| Average earning assets | $1,876,695,500 | 552 |
| Average equity | $311,413,000 | 383 |
| Average total loans | $1,757,077,500 | 442 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 666 |
| Cost of funding earning assets | 0.6016% | 896 |
| Net interest margin | 3.9472% | 862 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.1676% | 4,619 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 2.2150% | 209 |
| Return on assets (ROA) | 2.2150% | 200 |
| Pretax return on assets | 2.9215% | 137 |
| Return on Equity (ROE) | 15.3600% | 1,176 |
| Retained earnings to average equity (ytd only) | 11.6585% | 744 |
| Net charge-offs to loans | -0.0126% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 27.9435% | 4,665 |
| Assets per employee ($millions) | 18.3751% | 115 |
| Cash dividends to net income (ytd only)* | 24.0920% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 635 |
| Loan loss allowance to noncurrent loans | 195.6562% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 496 |
| Noncurrent loans to loans | 0.9293% | 797 |
| Net loans and leases to total assets | 86.6500% | 119 |
| Net loans and leases to deposits | 108.8336% | 178 |
| Net loans and leases to core deposits | 130.2479% | 222 |
| Total domestic deposits to total assets | 79.6200% | 3,930 |
| Equity capital to assets | 15.5014% | 424 |
| Core capital (leverage) ratio | 15.8472% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,017,431,200 | 544 |
| Average earning assets | $1,923,227,000 | 522 |
| Average equity | $290,956,200 | 394 |
| Average total loans | $1,591,927,000 | 452 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 719 |
| Cost of funding earning assets | 0.4275% | 1,114 |
| Net interest margin | 3.8817% | 828 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.1501% | 4,647 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 2.2015% | 212 |
| Return on assets (ROA) | 2.2015% | 208 |
| Pretax return on assets | 2.9247% | 148 |
| Return on Equity (ROE) | 15.5500% | 1,071 |
| Retained earnings to average equity (ytd only) | 12.1039% | 772 |
| Net charge-offs to loans | -0.0167% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 27.7980% | 4,701 |
| Assets per employee ($millions) | 17.9704% | 125 |
| Cash dividends to net income (ytd only)* | 22.1604% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 671 |
| Loan loss allowance to noncurrent loans | 183.2368% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 460 |
| Noncurrent loans to loans | 1.0071% | 764 |
| Net loans and leases to total assets | 85.7300% | 137 |
| Net loans and leases to deposits | 107.3195% | 167 |
| Net loans and leases to core deposits | 121.4601% | 238 |
| Total domestic deposits to total assets | 79.8800% | 4,111 |
| Equity capital to assets | 15.5788% | 406 |
| Core capital (leverage) ratio | 15.5174% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,025,661,000 | 543 |
| Average earning assets | $1,933,149,000 | 519 |
| Average equity | $286,788,250 | 397 |
| Average total loans | $1,552,044,000 | 460 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 813 |
| Cost of funding earning assets | 0.3920% | 969 |
| Net interest margin | 3.6850% | 934 |
| Noninterest income to average assets | 0.4456% | 2,479 |
| Noninterest expense to average assets | 1.0925% | 4,677 |
| Loan and lease loss provision to assets | 0.0340% | 1,968 |
| Net operating income to assets | 2.1530% | 175 |
| Return on assets (ROA) | 2.1530% | 174 |
| Pretax return on assets | 2.8418% | 115 |
| Return on Equity (ROE) | 15.6973% | 757 |
| Retained earnings to average equity (ytd only) | 12.2110% | 577 |
| Net charge-offs to loans | -0.0335% | 4,089 |
| Credit loss provision to net charge-offs | -138.3399% | 3,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.5298% | 4,727 |
| Assets per employee ($millions) | 18.9522% | 113 |
| Cash dividends to net income (ytd only)* | 22.2097% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 593 |
| Loan loss allowance to noncurrent loans | 786.5668% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,367 |
| Noncurrent loans to loans | 0.2500% | 2,479 |
| Net loans and leases to total assets | 76.2663% | 700 |
| Net loans and leases to deposits | 94.2847% | 504 |
| Net loans and leases to core deposits | 104.0155% | 514 |
| Total domestic deposits to total assets | 80.8894% | 4,143 |
| Equity capital to assets | 14.6236% | 448 |
| Core capital (leverage) ratio | 14.4232% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,059,938,333 | 533 |
| Average earning assets | $1,969,166,667 | 515 |
| Average equity | $282,533,000 | 404 |
| Average total loans | $1,509,606,333 | 464 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 895 |
| Cost of funding earning assets | 0.3879% | 936 |
| Net interest margin | 3.5300% | 1,029 |
| Noninterest income to average assets | 0.3964% | 2,714 |
| Noninterest expense to average assets | 1.0710% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0530% | 203 |
| Return on assets (ROA) | 2.0530% | 201 |
| Pretax return on assets | 2.7035% | 134 |
| Return on Equity (ROE) | 15.4540% | 590 |
| Retained earnings to average equity (ytd only) | 12.5147% | 527 |
| Net charge-offs to loans | -0.0365% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3741% | 4,750 |
| Assets per employee ($millions) | 19.5599% | 109 |
| Cash dividends to net income (ytd only)* | 19.0197% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0043% | 606 |
| Loan loss allowance to noncurrent loans | 766.7775% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,488 |
| Noncurrent loans to loans | 0.2614% | 2,538 |
| Net loans and leases to total assets | 71.3733% | 890 |
| Net loans and leases to deposits | 87.2665% | 662 |
| Net loans and leases to core deposits | 95.6923% | 671 |
| Total domestic deposits to total assets | 81.7877% | 4,102 |
| Equity capital to assets | 13.7533% | 561 |
| Core capital (leverage) ratio | 13.5963% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,094,917,000 | 523 |
| Average earning assets | $2,004,787,500 | 512 |
| Average equity | $278,296,000 | 419 |
| Average total loans | $1,490,343,000 | 464 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 1,258 |
| Cost of funding earning assets | 0.5204% | 843 |
| Net interest margin | 3.5231% | 1,672 |
| Noninterest income to average assets | 0.4160% | 2,970 |
| Noninterest expense to average assets | 1.0499% | 4,748 |
| Loan and lease loss provision to assets | 0.0236% | 2,595 |
| Net operating income to assets | 2.0651% | 302 |
| Return on assets (ROA) | 2.0549% | 322 |
| Pretax return on assets | 2.7140% | 198 |
| Return on Equity (ROE) | 16.8243% | 616 |
| Retained earnings to average equity (ytd only) | 12.1750% | 522 |
| Net charge-offs to loans | 0.0232% | 1,784 |
| Credit loss provision to net charge-offs | 141.6431% | 1,530 |
| Earnings coverage of net charge-offs (x) | 164.6034% | 616 |
| Efficiency ratio | 27.6455% | 4,803 |
| Assets per employee ($millions) | 19.4186% | 113 |
| Cash dividends to net income (ytd only)* | 27.6345% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 596 |
| Loan loss allowance to noncurrent loans | 692.7809% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 2,145 |
| Noncurrent loans to loans | 0.2901% | 2,551 |
| Net loans and leases to total assets | 68.1167% | 1,251 |
| Net loans and leases to deposits | 82.1198% | 1,058 |
| Net loans and leases to core deposits | 91.0077% | 925 |
| Total domestic deposits to total assets | 82.9479% | 3,821 |
| Equity capital to assets | 12.8335% | 951 |
| Core capital (leverage) ratio | 12.8185% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,114,602,200 | 507 |
| Average earning assets | $2,029,723,200 | 484 |
| Average equity | $258,275,000 | 432 |
| Average total loans | $1,518,408,800 | 466 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 1,275 |
| Cost of funding earning assets | 0.5489% | 838 |
| Net interest margin | 3.5641% | 1,690 |
| Noninterest income to average assets | 0.4123% | 3,018 |
| Noninterest expense to average assets | 1.0547% | 4,825 |
| Loan and lease loss provision to assets | 0.0316% | 2,364 |
| Net operating income to assets | 2.0809% | 407 |
| Return on assets (ROA) | 2.0678% | 438 |
| Pretax return on assets | 2.7368% | 243 |
| Return on Equity (ROE) | 17.1502% | 748 |
| Retained earnings to average equity (ytd only) | 12.4359% | 740 |
| Net charge-offs to loans | 0.0314% | 1,434 |
| Credit loss provision to net charge-offs | 138.8889% | 1,397 |
| Earnings coverage of net charge-offs (x) | 122.2306% | 768 |
| Efficiency ratio | 27.4931% | 4,874 |
| Assets per employee ($millions) | 20.9247% | 92 |
| Cash dividends to net income (ytd only)* | 27.4884% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 605 |
| Loan loss allowance to noncurrent loans | 678.1364% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 2,348 |
| Noncurrent loans to loans | 0.2985% | 2,723 |
| Net loans and leases to total assets | 66.9983% | 1,430 |
| Net loans and leases to deposits | 80.9562% | 1,195 |
| Net loans and leases to core deposits | 90.2885% | 1,017 |
| Total domestic deposits to total assets | 82.7587% | 3,765 |
| Equity capital to assets | 12.3634% | 1,235 |
| Core capital (leverage) ratio | 12.8347% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,109,241,750 | 508 |
| Average earning assets | $2,026,275,250 | 488 |
| Average equity | $254,311,500 | 439 |
| Average total loans | $1,526,799,250 | 471 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 1,234 |
| Cost of funding earning assets | 0.5807% | 818 |
| Net interest margin | 3.5880% | 1,617 |
| Noninterest income to average assets | 0.4134% | 3,041 |
| Noninterest expense to average assets | 1.0820% | 4,852 |
| Loan and lease loss provision to assets | 0.0478% | 2,068 |
| Net operating income to assets | 2.0734% | 426 |
| Return on assets (ROA) | 2.0578% | 464 |
| Pretax return on assets | 2.7148% | 256 |
| Return on Equity (ROE) | 17.2172% | 750 |
| Retained earnings to average equity (ytd only) | 11.6614% | 986 |
| Net charge-offs to loans | 0.0168% | 1,614 |
| Credit loss provision to net charge-offs | 384.6154% | 774 |
| Earnings coverage of net charge-offs (x) | 223.7462% | 467 |
| Efficiency ratio | 28.0292% | 4,905 |
| Assets per employee ($millions) | 19.8214% | 96 |
| Cash dividends to net income (ytd only)* | 32.2688% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 634 |
| Loan loss allowance to noncurrent loans | 592.1229% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 2,318 |
| Noncurrent loans to loans | 0.3343% | 2,713 |
| Net loans and leases to total assets | 70.8699% | 1,103 |
| Net loans and leases to deposits | 86.1761% | 903 |
| Net loans and leases to core deposits | 97.1209% | 755 |
| Total domestic deposits to total assets | 82.2384% | 3,878 |
| Equity capital to assets | 12.2461% | 1,249 |
| Core capital (leverage) ratio | 12.3574% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,093,907,000 | 502 |
| Average earning assets | $2,011,524,333 | 486 |
| Average equity | $250,261,333 | 446 |
| Average total loans | $1,544,460,333 | 467 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 1,408 |
| Cost of funding earning assets | 0.6299% | 761 |
| Net interest margin | 3.4621% | 1,926 |
| Noninterest income to average assets | 0.4275% | 2,942 |
| Noninterest expense to average assets | 1.1001% | 4,885 |
| Loan and lease loss provision to assets | 0.0957% | 1,402 |
| Net operating income to assets | 1.9392% | 621 |
| Return on assets (ROA) | 1.9207% | 688 |
| Pretax return on assets | 2.5420% | 404 |
| Return on Equity (ROE) | 16.2712% | 967 |
| Retained earnings to average equity (ytd only) | 13.1927% | 878 |
| Net charge-offs to loans | -0.0031% | 3,231 |
| Credit loss provision to net charge-offs | -4,166.6667% | 3,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2868% | 4,914 |
| Assets per employee ($millions) | 21.6777% | 83 |
| Cash dividends to net income (ytd only)* | 18.9200% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9512% | 665 |
| Loan loss allowance to noncurrent loans | 421.1040% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 2,409 |
| Noncurrent loans to loans | 0.4634% | 2,464 |
| Net loans and leases to total assets | 72.1951% | 991 |
| Net loans and leases to deposits | 87.6898% | 853 |
| Net loans and leases to core deposits | 97.3477% | 827 |
| Total domestic deposits to total assets | 82.3301% | 3,828 |
| Equity capital to assets | 11.9271% | 1,322 |
| Core capital (leverage) ratio | 12.1376% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,090,327,500 | 498 |
| Average earning assets | $2,009,876,500 | 480 |
| Average equity | $246,743,000 | 449 |
| Average total loans | $1,557,145,000 | 466 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 1,071 |
| Cost of funding earning assets | 1.1233% | 367 |
| Net interest margin | 3.4932% | 2,497 |
| Noninterest income to average assets | 0.2176% | 4,189 |
| Noninterest expense to average assets | 1.0429% | 4,924 |
| Loan and lease loss provision to assets | 0.3988% | 790 |
| Net operating income to assets | 1.5899% | 657 |
| Return on assets (ROA) | 1.5666% | 746 |
| Pretax return on assets | 2.0887% | 367 |
| Return on Equity (ROE) | 14.1018% | 789 |
| Retained earnings to average equity (ytd only) | 11.6550% | 359 |
| Net charge-offs to loans | -0.0159% | 4,368 |
| Credit loss provision to net charge-offs | -3,172.6141% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3474% | 4,965 |
| Assets per employee ($millions) | 22.1055% | 75 |
| Cash dividends to net income (ytd only)* | 17.3514% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 732 |
| Loan loss allowance to noncurrent loans | 340.2222% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,298 |
| Noncurrent loans to loans | 0.5574% | 2,311 |
| Net loans and leases to total assets | 73.9350% | 1,027 |
| Net loans and leases to deposits | 96.3973% | 534 |
| Net loans and leases to core deposits | 109.7213% | 518 |
| Total domestic deposits to total assets | 76.6982% | 4,449 |
| Equity capital to assets | 11.6795% | 1,746 |
| Core capital (leverage) ratio | 12.3543% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,917,405,600 | 492 |
| Average earning assets | $1,831,211,600 | 479 |
| Average equity | $213,007,600 | 483 |
| Average total loans | $1,514,915,600 | 447 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 1,096 |
| Cost of funding earning assets | 1.2388% | 316 |
| Net interest margin | 3.4452% | 2,768 |
| Noninterest income to average assets | 0.1879% | 4,345 |
| Noninterest expense to average assets | 1.0183% | 4,968 |
| Loan and lease loss provision to assets | 0.4117% | 836 |
| Net operating income to assets | 1.5332% | 843 |
| Return on assets (ROA) | 1.5077% | 970 |
| Pretax return on assets | 2.0170% | 504 |
| Return on Equity (ROE) | 13.7671% | 925 |
| Retained earnings to average equity (ytd only) | 11.1081% | 554 |
| Net charge-offs to loans | 0.0017% | 3,153 |
| Credit loss provision to net charge-offs | 30,505.2632% | 36 |
| Earnings coverage of net charge-offs (x) | 1,818.6316% | 62 |
| Efficiency ratio | 29.3259% | 4,994 |
| Assets per employee ($millions) | 22.0839% | 68 |
| Cash dividends to net income (ytd only)* | 19.3141% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 804 |
| Loan loss allowance to noncurrent loans | 291.7204% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 2,266 |
| Noncurrent loans to loans | 0.6005% | 2,303 |
| Net loans and leases to total assets | 74.5330% | 1,304 |
| Net loans and leases to deposits | 96.7795% | 703 |
| Net loans and leases to core deposits | 111.7099% | 634 |
| Total domestic deposits to total assets | 77.0132% | 4,325 |
| Equity capital to assets | 11.3186% | 2,135 |
| Core capital (leverage) ratio | 12.3202% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,877,277,250 | 493 |
| Average earning assets | $1,789,712,750 | 479 |
| Average equity | $205,587,000 | 487 |
| Average total loans | $1,502,142,750 | 444 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 1,024 |
| Cost of funding earning assets | 1.3577% | 274 |
| Net interest margin | 3.5102% | 2,750 |
| Noninterest income to average assets | 0.2107% | 4,222 |
| Noninterest expense to average assets | 1.0582% | 4,999 |
| Loan and lease loss provision to assets | 0.3750% | 1,111 |
| Net operating income to assets | 1.5848% | 784 |
| Return on assets (ROA) | 1.5562% | 908 |
| Pretax return on assets | 2.0935% | 447 |
| Return on Equity (ROE) | 14.3946% | 807 |
| Retained earnings to average equity (ytd only) | 10.2066% | 754 |
| Net charge-offs to loans | -0.0028% | 3,876 |
| Credit loss provision to net charge-offs | -16,171.4286% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7633% | 5,017 |
| Assets per employee ($millions) | 20.5901% | 76 |
| Cash dividends to net income (ytd only)* | 29.0945% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 934 |
| Loan loss allowance to noncurrent loans | 251.9776% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 1,728 |
| Noncurrent loans to loans | 0.6483% | 2,244 |
| Net loans and leases to total assets | 78.4925% | 788 |
| Net loans and leases to deposits | 100.5591% | 519 |
| Net loans and leases to core deposits | 119.6009% | 432 |
| Total domestic deposits to total assets | 78.0562% | 4,187 |
| Equity capital to assets | 10.3797% | 2,857 |
| Core capital (leverage) ratio | 11.2619% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,811,073,667 | 506 |
| Average earning assets | $1,725,610,667 | 494 |
| Average equity | $195,795,333 | 506 |
| Average total loans | $1,477,920,667 | 443 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 699 |
| Cost of funding earning assets | 1.4958% | 278 |
| Net interest margin | 3.6717% | 2,427 |
| Noninterest income to average assets | 0.2251% | 4,204 |
| Noninterest expense to average assets | 1.0965% | 5,042 |
| Loan and lease loss provision to assets | 0.3193% | 971 |
| Net operating income to assets | 1.7282% | 480 |
| Return on assets (ROA) | 1.6925% | 572 |
| Pretax return on assets | 2.2769% | 250 |
| Return on Equity (ROE) | 15.3173% | 512 |
| Retained earnings to average equity (ytd only) | 11.3845% | 503 |
| Net charge-offs to loans | -0.0033% | 3,745 |
| Credit loss provision to net charge-offs | -11,633.3333% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4092% | 5,068 |
| Assets per employee ($millions) | 19.3298% | 72 |
| Cash dividends to net income (ytd only)* | 25.6757% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,119 |
| Loan loss allowance to noncurrent loans | 392.5444% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 2,364 |
| Noncurrent loans to loans | 0.4028% | 3,046 |
| Net loans and leases to total assets | 79.5366% | 753 |
| Net loans and leases to deposits | 98.2182% | 687 |
| Net loans and leases to core deposits | 116.8158% | 559 |
| Total domestic deposits to total assets | 80.9795% | 3,669 |
| Equity capital to assets | 10.8022% | 3,050 |
| Core capital (leverage) ratio | 10.8068% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,748,876,500 | 509 |
| Average earning assets | $1,668,649,000 | 488 |
| Average equity | $193,245,500 | 512 |
| Average total loans | $1,444,668,000 | 436 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 797 |
| Cost of funding earning assets | 1.4772% | 428 |
| Net interest margin | 3.8360% | 2,385 |
| Noninterest income to average assets | 0.2433% | 4,223 |
| Noninterest expense to average assets | 1.1247% | 5,104 |
| Loan and lease loss provision to assets | 0.1719% | 1,216 |
| Net operating income to assets | 1.9800% | 371 |
| Return on assets (ROA) | 1.9516% | 410 |
| Pretax return on assets | 2.5746% | 184 |
| Return on Equity (ROE) | 17.2074% | 397 |
| Retained earnings to average equity (ytd only) | 13.1094% | 163 |
| Net charge-offs to loans | -0.0027% | 4,255 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.8418% | 5,136 |
| Assets per employee ($millions) | 17.5079% | 90 |
| Cash dividends to net income (ytd only)* | 23.8157% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,126 |
| Loan loss allowance to noncurrent loans | 407.8347% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 2,102 |
| Noncurrent loans to loans | 0.3764% | 3,093 |
| Net loans and leases to total assets | 83.2440% | 395 |
| Net loans and leases to deposits | 104.3110% | 367 |
| Net loans and leases to core deposits | 125.8899% | 348 |
| Total domestic deposits to total assets | 79.8037% | 4,016 |
| Equity capital to assets | 11.3173% | 2,689 |
| Core capital (leverage) ratio | 11.8531% | 1,867 |
| Tier 1 risk-based capital ratio | 15.4166% | 2,613 |
| Total risk-based capital ratio | 16.6728% | 2,541 |
| Memoranda: | ||
| Average total assets | $1,570,595,400 | 536 |
| Average earning assets | $1,497,042,200 | 518 |
| Average equity | $178,132,400 | 521 |
| Average total loans | $1,329,512,800 | 454 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 840 |
| Cost of funding earning assets | 1.4478% | 486 |
| Net interest margin | 3.8644% | 2,388 |
| Noninterest income to average assets | 0.2559% | 4,205 |
| Noninterest expense to average assets | 1.1166% | 5,188 |
| Loan and lease loss provision to assets | 0.1771% | 1,038 |
| Net operating income to assets | 2.0106% | 386 |
| Return on assets (ROA) | 1.9798% | 429 |
| Pretax return on assets | 2.6147% | 201 |
| Return on Equity (ROE) | 17.4460% | 438 |
| Retained earnings to average equity (ytd only) | 13.3344% | 248 |
| Net charge-offs to loans | -0.0021% | 4,065 |
| Credit loss provision to net charge-offs | -9,761.9048% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3461% | 5,216 |
| Assets per employee ($millions) | 17.0009% | 91 |
| Cash dividends to net income (ytd only)* | 23.5674% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,147 |
| Loan loss allowance to noncurrent loans | 369.6853% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 1,892 |
| Noncurrent loans to loans | 0.4156% | 3,055 |
| Net loans and leases to total assets | 84.8044% | 269 |
| Net loans and leases to deposits | 104.6390% | 375 |
| Net loans and leases to core deposits | 127.5133% | 341 |
| Total domestic deposits to total assets | 81.0447% | 3,743 |
| Equity capital to assets | 11.5350% | 2,637 |
| Core capital (leverage) ratio | 11.5533% | 2,182 |
| Tier 1 risk-based capital ratio | 15.1882% | 2,761 |
| Total risk-based capital ratio | 16.4440% | 2,690 |
| Memoranda: | ||
| Average total assets | $1,543,055,500 | 541 |
| Average earning assets | $1,470,773,750 | 526 |
| Average equity | $175,111,500 | 530 |
| Average total loans | $1,306,656,250 | 460 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2476% | 902 |
| Cost of funding earning assets | 1.3991% | 536 |
| Net interest margin | 3.8485% | 2,413 |
| Noninterest income to average assets | 0.2198% | 4,429 |
| Noninterest expense to average assets | 1.1185% | 5,241 |
| Loan and lease loss provision to assets | 0.1508% | 1,213 |
| Net operating income to assets | 1.9942% | 391 |
| Return on assets (ROA) | 1.9608% | 437 |
| Pretax return on assets | 2.5900% | 210 |
| Return on Equity (ROE) | 17.3778% | 426 |
| Retained earnings to average equity (ytd only) | 13.3088% | 273 |
| Net charge-offs to loans | -0.0101% | 4,333 |
| Credit loss provision to net charge-offs | -1,769.2308% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7327% | 5,260 |
| Assets per employee ($millions) | 16.1395% | 90 |
| Cash dividends to net income (ytd only)* | 23.4145% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,137 |
| Loan loss allowance to noncurrent loans | 237.3377% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 1,704 |
| Noncurrent loans to loans | 0.6526% | 2,317 |
| Net loans and leases to total assets | 83.2375% | 440 |
| Net loans and leases to deposits | 103.0306% | 470 |
| Net loans and leases to core deposits | 122.8589% | 462 |
| Total domestic deposits to total assets | 80.7891% | 3,873 |
| Equity capital to assets | 11.4960% | 2,608 |
| Core capital (leverage) ratio | 11.6220% | 2,078 |
| Tier 1 risk-based capital ratio | 15.2931% | 2,716 |
| Total risk-based capital ratio | 16.5490% | 2,647 |
| Memoranda: | ||
| Average total assets | $1,524,713,330 | 548 |
| Average earning assets | $1,455,177,670 | 532 |
| Average equity | $172,036,000 | 537 |
| Average total loans | $1,283,411,670 | 468 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 1,169 |
| Cost of funding earning assets | 1.3208% | 616 |
| Net interest margin | 3.7474% | 2,718 |
| Noninterest income to average assets | 0.2420% | 4,272 |
| Noninterest expense to average assets | 1.0796% | 5,309 |
| Loan and lease loss provision to assets | 0.1851% | 888 |
| Net operating income to assets | 1.9545% | 417 |
| Return on assets (ROA) | 1.9244% | 454 |
| Pretax return on assets | 2.5369% | 229 |
| Return on Equity (ROE) | 17.2218% | 467 |
| Retained earnings to average equity (ytd only) | 13.1980% | 439 |
| Net charge-offs to loans | -0.0110% | 4,263 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1750% | 5,325 |
| Assets per employee ($millions) | 16.5719% | 80 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 1,257 |
| Loan loss allowance to noncurrent loans | 575.8721% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,437 |
| Noncurrent loans to loans | 0.2649% | 3,612 |
| Net loans and leases to total assets | 82.0978% | 577 |
| Net loans and leases to deposits | 100.9082% | 561 |
| Net loans and leases to core deposits | 117.7182% | 587 |
| Total domestic deposits to total assets | 81.3589% | 3,894 |
| Equity capital to assets | 11.0405% | 2,810 |
| Core capital (leverage) ratio | 11.9890% | 1,780 |
| Tier 1 risk-based capital ratio | 15.1364% | 2,824 |
| Total risk-based capital ratio | 16.3922% | 2,731 |
| Memoranda: | ||
| Average total assets | $1,512,376,000 | 552 |
| Average earning assets | $1,448,782,500 | 531 |
| Average equity | $168,995,500 | 544 |
| Average total loans | $1,270,136,500 | 471 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 887 |
| Cost of funding earning assets | 1.0908% | 512 |
| Net interest margin | 3.9906% | 2,011 |
| Noninterest income to average assets | 0.2657% | 4,338 |
| Noninterest expense to average assets | 1.2504% | 5,312 |
| Loan and lease loss provision to assets | 0.1406% | 1,533 |
| Net operating income to assets | 2.0147% | 351 |
| Return on assets (ROA) | 1.9980% | 359 |
| Pretax return on assets | 2.6522% | 158 |
| Return on Equity (ROE) | 16.3741% | 557 |
| Retained earnings to average equity (ytd only) | 12.1502% | 309 |
| Net charge-offs to loans | -0.0664% | 5,049 |
| Credit loss provision to net charge-offs | -242.5876% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7994% | 5,364 |
| Assets per employee ($millions) | 15.7741% | 91 |
| Cash dividends to net income (ytd only)* | 25.7964% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,182 |
| Loan loss allowance to noncurrent loans | 622.3491% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,376 |
| Noncurrent loans to loans | 0.2469% | 3,702 |
| Net loans and leases to total assets | 83.3339% | 481 |
| Net loans and leases to deposits | 103.0844% | 531 |
| Net loans and leases to core deposits | 117.8799% | 624 |
| Total domestic deposits to total assets | 80.8404% | 3,931 |
| Equity capital to assets | 11.3161% | 2,404 |
| Core capital (leverage) ratio | 12.0988% | 1,672 |
| Tier 1 risk-based capital ratio | 15.4323% | 2,651 |
| Total risk-based capital ratio | 16.6885% | 2,565 |
| Memoranda: | ||
| Average total assets | $1,280,529,400 | 614 |
| Average earning assets | $1,217,472,200 | 590 |
| Average equity | $156,252,600 | 546 |
| Average total loans | $1,116,725,000 | 511 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 828 |
| Cost of funding earning assets | 1.0429% | 492 |
| Net interest margin | 4.0124% | 1,919 |
| Noninterest income to average assets | 0.2809% | 4,268 |
| Noninterest expense to average assets | 1.2545% | 5,385 |
| Loan and lease loss provision to assets | 0.1297% | 1,553 |
| Net operating income to assets | 2.0159% | 362 |
| Return on assets (ROA) | 2.0042% | 370 |
| Pretax return on assets | 2.6928% | 169 |
| Return on Equity (ROE) | 16.0779% | 687 |
| Retained earnings to average equity (ytd only) | 11.9171% | 488 |
| Net charge-offs to loans | -0.0227% | 4,668 |
| Credit loss provision to net charge-offs | -648.6486% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6826% | 5,427 |
| Assets per employee ($millions) | 14.2722% | 113 |
| Cash dividends to net income (ytd only)* | 25.8788% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,293 |
| Loan loss allowance to noncurrent loans | 580.6222% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,371 |
| Noncurrent loans to loans | 0.2611% | 3,752 |
| Net loans and leases to total assets | 86.7741% | 203 |
| Net loans and leases to deposits | 109.0887% | 317 |
| Net loans and leases to core deposits | 128.0844% | 364 |
| Total domestic deposits to total assets | 79.5446% | 4,209 |
| Equity capital to assets | 11.9560% | 1,940 |
| Core capital (leverage) ratio | 12.5496% | 1,472 |
| Tier 1 risk-based capital ratio | 15.6202% | 2,595 |
| Total risk-based capital ratio | 16.8760% | 2,532 |
| Memoranda: | ||
| Average total assets | $1,233,913,750 | 629 |
| Average earning assets | $1,170,978,250 | 611 |
| Average equity | $153,814,250 | 551 |
| Average total loans | $1,085,512,250 | 520 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 817 |
| Cost of funding earning assets | 0.9790% | 518 |
| Net interest margin | 4.0227% | 1,783 |
| Noninterest income to average assets | 0.2524% | 4,497 |
| Noninterest expense to average assets | 1.2930% | 5,434 |
| Loan and lease loss provision to assets | 0.1002% | 1,945 |
| Net operating income to assets | 2.0430% | 343 |
| Return on assets (ROA) | 2.0404% | 346 |
| Pretax return on assets | 2.6677% | 165 |
| Return on Equity (ROE) | 16.1220% | 648 |
| Retained earnings to average equity (ytd only) | 12.1647% | 497 |
| Net charge-offs to loans | -0.0266% | 4,694 |
| Credit loss provision to net charge-offs | -428.5714% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8187% | 5,487 |
| Assets per employee ($millions) | 14.3248% | 111 |
| Cash dividends to net income (ytd only)* | 24.5459% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,190 |
| Loan loss allowance to noncurrent loans | 535.4309% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 2,054 |
| Noncurrent loans to loans | 0.2925% | 3,654 |
| Net loans and leases to total assets | 84.2216% | 437 |
| Net loans and leases to deposits | 106.4779% | 416 |
| Net loans and leases to core deposits | 125.9235% | 410 |
| Total domestic deposits to total assets | 79.0977% | 4,411 |
| Equity capital to assets | 12.1012% | 1,784 |
| Core capital (leverage) ratio | 13.2743% | 1,140 |
| Tier 1 risk-based capital ratio | 15.1729% | 2,791 |
| Total risk-based capital ratio | 16.4274% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,198,023,670 | 644 |
| Average earning assets | $1,135,013,670 | 627 |
| Average equity | $151,619,000 | 557 |
| Average total loans | $1,053,327,670 | 529 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 768 |
| Cost of funding earning assets | 0.8793% | 665 |
| Net interest margin | 4.0775% | 1,497 |
| Noninterest income to average assets | 0.3041% | 4,128 |
| Noninterest expense to average assets | 1.3259% | 5,487 |
| Loan and lease loss provision to assets | 0.1388% | 1,357 |
| Net operating income to assets | 2.0586% | 324 |
| Return on assets (ROA) | 2.0586% | 326 |
| Pretax return on assets | 2.6955% | 156 |
| Return on Equity (ROE) | 15.8771% | 644 |
| Retained earnings to average equity (ytd only) | 12.1294% | 660 |
| Net charge-offs to loans | -0.0576% | 5,032 |
| Credit loss provision to net charge-offs | -270.2703% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8705% | 5,554 |
| Assets per employee ($millions) | 14.4172% | 112 |
| Cash dividends to net income (ytd only)* | 23.6048% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 1,081 |
| Loan loss allowance to noncurrent loans | 409.5181% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 1,674 |
| Noncurrent loans to loans | 0.3997% | 3,349 |
| Net loans and leases to total assets | 87.9059% | 141 |
| Net loans and leases to deposits | 113.5766% | 183 |
| Net loans and leases to core deposits | 134.7267% | 277 |
| Total domestic deposits to total assets | 77.3979% | 4,818 |
| Equity capital to assets | 12.9689% | 1,261 |
| Core capital (leverage) ratio | 13.2191% | 1,100 |
| Tier 1 risk-based capital ratio | 15.6017% | 2,627 |
| Total risk-based capital ratio | 16.8498% | 2,574 |
| Memoranda: | ||
| Average total assets | $1,152,421,000 | 667 |
| Average earning assets | $1,089,896,500 | 652 |
| Average equity | $149,422,500 | 563 |
| Average total loans | $1,028,450,500 | 547 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 828 |
| Cost of funding earning assets | 0.7910% | 651 |
| Net interest margin | 4.0921% | 1,470 |
| Noninterest income to average assets | 0.1579% | 5,171 |
| Noninterest expense to average assets | 1.4135% | 5,513 |
| Loan and lease loss provision to assets | 0.2354% | 816 |
| Net operating income to assets | 1.1799% | 1,583 |
| Return on assets (ROA) | 1.1803% | 1,603 |
| Pretax return on assets | 2.3467% | 245 |
| Return on Equity (ROE) | 8.6738% | 2,463 |
| Retained earnings to average equity (ytd only) | 5.0758% | 2,077 |
| Net charge-offs to loans | 0.1668% | 1,473 |
| Credit loss provision to net charge-offs | 161.6031% | 1,656 |
| Earnings coverage of net charge-offs (x) | 17.7356% | 2,110 |
| Efficiency ratio | 35.3663% | 5,591 |
| Assets per employee ($millions) | 14.0376% | 113 |
| Cash dividends to net income (ytd only)* | 41.4805% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,072 |
| Loan loss allowance to noncurrent loans | 364.7253% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 1,474 |
| Noncurrent loans to loans | 0.4474% | 3,173 |
| Net loans and leases to total assets | 87.6592% | 156 |
| Net loans and leases to deposits | 114.8352% | 166 |
| Net loans and leases to core deposits | 136.2113% | 248 |
| Total domestic deposits to total assets | 76.3348% | 4,942 |
| Equity capital to assets | 12.9629% | 1,282 |
| Core capital (leverage) ratio | 13.9915% | 835 |
| Tier 1 risk-based capital ratio | 15.5573% | 2,601 |
| Total risk-based capital ratio | 16.8134% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,062,112,600 | 696 |
| Average earning assets | $996,383,800 | 681 |
| Average equity | $144,527,800 | 557 |
| Average total loans | $927,402,000 | 573 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 804 |
| Cost of funding earning assets | 0.7751% | 667 |
| Net interest margin | 4.0981% | 1,392 |
| Noninterest income to average assets | 0.1270% | 5,368 |
| Noninterest expense to average assets | 1.3613% | 5,588 |
| Loan and lease loss provision to assets | 0.2556% | 670 |
| Net operating income to assets | 1.5047% | 888 |
| Return on assets (ROA) | 1.5074% | 909 |
| Pretax return on assets | 2.3495% | 276 |
| Return on Equity (ROE) | 10.9363% | 1,727 |
| Retained earnings to average equity (ytd only) | 7.4132% | 1,481 |
| Net charge-offs to loans | 0.2559% | 846 |
| Credit loss provision to net charge-offs | 115.0086% | 2,079 |
| Earnings coverage of net charge-offs (x) | 11.7107% | 2,483 |
| Efficiency ratio | 34.3446% | 5,660 |
| Assets per employee ($millions) | 14.0902% | 106 |
| Cash dividends to net income (ytd only)* | 32.2143% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 1,109 |
| Loan loss allowance to noncurrent loans | 276.6021% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 1,370 |
| Noncurrent loans to loans | 0.5999% | 2,908 |
| Net loans and leases to total assets | 85.4254% | 298 |
| Net loans and leases to deposits | 111.0953% | 248 |
| Net loans and leases to core deposits | 130.1770% | 339 |
| Total domestic deposits to total assets | 76.8938% | 4,911 |
| Equity capital to assets | 13.4685% | 1,175 |
| Core capital (leverage) ratio | 14.3322% | 810 |
| Tier 1 risk-based capital ratio | 16.0878% | 2,465 |
| Total risk-based capital ratio | 17.3437% | 2,405 |
| Memoranda: | ||
| Average total assets | $1,043,379,500 | 714 |
| Average earning assets | $976,825,000 | 699 |
| Average equity | $143,811,250 | 566 |
| Average total loans | $905,938,000 | 588 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 913 |
| Cost of funding earning assets | 0.7574% | 665 |
| Net interest margin | 4.0151% | 1,557 |
| Noninterest income to average assets | 0.1916% | 5,091 |
| Noninterest expense to average assets | 1.3879% | 5,630 |
| Loan and lease loss provision to assets | 0.2927% | 531 |
| Net operating income to assets | 1.4545% | 942 |
| Return on assets (ROA) | 1.4580% | 962 |
| Pretax return on assets | 2.2689% | 315 |
| Return on Equity (ROE) | 10.4924% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.1218% | 1,533 |
| Net charge-offs to loans | 0.1171% | 1,465 |
| Credit loss provision to net charge-offs | 287.9079% | 986 |
| Earnings coverage of net charge-offs (x) | 25.1593% | 1,614 |
| Efficiency ratio | 35.1731% | 5,703 |
| Assets per employee ($millions) | 13.3654% | 123 |
| Cash dividends to net income (ytd only)* | 32.1242% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 925 |
| Loan loss allowance to noncurrent loans | 194.8347% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6519% | 895 |
| Noncurrent loans to loans | 0.9134% | 2,143 |
| Net loans and leases to total assets | 87.6656% | 169 |
| Net loans and leases to deposits | 115.3877% | 171 |
| Net loans and leases to core deposits | 136.5674% | 228 |
| Total domestic deposits to total assets | 75.9748% | 5,098 |
| Equity capital to assets | 13.9099% | 996 |
| Core capital (leverage) ratio | 14.3075% | 779 |
| Tier 1 risk-based capital ratio | 15.9351% | 2,529 |
| Total risk-based capital ratio | 17.1921% | 2,472 |
| Memoranda: | ||
| Average total assets | $1,024,827,670 | 732 |
| Average earning assets | $958,275,670 | 714 |
| Average equity | $142,407,330 | 574 |
| Average total loans | $889,685,330 | 603 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 995 |
| Cost of funding earning assets | 0.7370% | 703 |
| Net interest margin | 3.9309% | 1,669 |
| Noninterest income to average assets | 0.1547% | 5,343 |
| Noninterest expense to average assets | 1.4252% | 5,677 |
| Loan and lease loss provision to assets | 0.1969% | 844 |
| Net operating income to assets | 1.4228% | 954 |
| Return on assets (ROA) | 1.4232% | 980 |
| Pretax return on assets | 2.2122% | 351 |
| Return on Equity (ROE) | 10.2477% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.4129% | 1,688 |
| Net charge-offs to loans | 0.2784% | 651 |
| Credit loss provision to net charge-offs | 82.6446% | 1,743 |
| Earnings coverage of net charge-offs (x) | 10.1124% | 1,957 |
| Efficiency ratio | 37.1740% | 5,736 |
| Assets per employee ($millions) | 13.3711% | 122 |
| Cash dividends to net income (ytd only)* | 27.6625% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 1,069 |
| Loan loss allowance to noncurrent loans | 148.6694% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.9915% | 662 |
| Noncurrent loans to loans | 1.1740% | 1,735 |
| Net loans and leases to total assets | 85.7263% | 245 |
| Net loans and leases to deposits | 110.5109% | 207 |
| Net loans and leases to core deposits | 131.3188% | 246 |
| Total domestic deposits to total assets | 77.5728% | 5,028 |
| Equity capital to assets | 14.0173% | 896 |
| Core capital (leverage) ratio | 14.3108% | 762 |
| Tier 1 risk-based capital ratio | 16.4580% | 2,374 |
| Total risk-based capital ratio | 17.7146% | 2,318 |
| Memoranda: | ||
| Average total assets | $1,015,992,000 | 740 |
| Average earning assets | $950,937,500 | 723 |
| Average equity | $141,105,500 | 573 |
| Average total loans | $869,292,000 | 615 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 842 |
| Cost of funding earning assets | 0.7380% | 668 |
| Net interest margin | 4.0886% | 1,405 |
| Noninterest income to average assets | 1.0919% | 950 |
| Noninterest expense to average assets | 1.7368% | 5,529 |
| Loan and lease loss provision to assets | 0.1553% | 1,605 |
| Net operating income to assets | 2.0736% | 273 |
| Return on assets (ROA) | 2.0277% | 311 |
| Pretax return on assets | 2.9513% | 116 |
| Return on Equity (ROE) | 14.4007% | 715 |
| Retained earnings to average equity (ytd only) | 11.8356% | 230 |
| Net charge-offs to loans | 0.2511% | 1,104 |
| Credit loss provision to net charge-offs | 72.4480% | 3,091 |
| Earnings coverage of net charge-offs (x) | 14.7066% | 2,269 |
| Efficiency ratio | 35.5219% | 5,830 |
| Assets per employee ($millions) | 13.1919% | 125 |
| Cash dividends to net income (ytd only)* | 17.8122% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 900 |
| Loan loss allowance to noncurrent loans | 137.9005% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 2.1487% | 614 |
| Noncurrent loans to loans | 1.3261% | 1,552 |
| Net loans and leases to total assets | 82.3382% | 560 |
| Net loans and leases to deposits | 105.8685% | 346 |
| Net loans and leases to core deposits | 118.5270% | 526 |
| Total domestic deposits to total assets | 77.7740% | 5,007 |
| Equity capital to assets | 13.7595% | 965 |
| Core capital (leverage) ratio | 15.2856% | 565 |
| Tier 1 risk-based capital ratio | 16.6704% | 2,281 |
| Total risk-based capital ratio | 17.9279% | 2,222 |
| Memoranda: | ||
| Average total assets | $941,384,000 | 764 |
| Average earning assets | $874,353,400 | 747 |
| Average equity | $132,548,800 | 604 |
| Average total loans | $803,701,000 | 625 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 792 |
| Cost of funding earning assets | 0.7444% | 654 |
| Net interest margin | 4.1159% | 1,355 |
| Noninterest income to average assets | 1.4112% | 594 |
| Noninterest expense to average assets | 1.8278% | 5,484 |
| Loan and lease loss provision to assets | 0.1101% | 2,092 |
| Net operating income to assets | 2.3135% | 206 |
| Return on assets (ROA) | 2.2482% | 239 |
| Pretax return on assets | 3.2236% | 105 |
| Return on Equity (ROE) | 15.8677% | 560 |
| Retained earnings to average equity (ytd only) | 13.3183% | 204 |
| Net charge-offs to loans | 0.3409% | 675 |
| Credit loss provision to net charge-offs | 37.6482% | 3,170 |
| Earnings coverage of net charge-offs (x) | 11.6230% | 2,471 |
| Efficiency ratio | 34.9689% | 5,898 |
| Assets per employee ($millions) | 13.4393% | 116 |
| Cash dividends to net income (ytd only)* | 16.0668% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 979 |
| Loan loss allowance to noncurrent loans | 132.0021% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 2.2955% | 625 |
| Noncurrent loans to loans | 1.3785% | 1,593 |
| Net loans and leases to total assets | 84.1057% | 404 |
| Net loans and leases to deposits | 108.2887% | 301 |
| Net loans and leases to core deposits | 120.8513% | 478 |
| Total domestic deposits to total assets | 77.6680% | 4,968 |
| Equity capital to assets | 14.4402% | 891 |
| Core capital (leverage) ratio | 15.0012% | 635 |
| Tier 1 risk-based capital ratio | 16.7507% | 2,321 |
| Total risk-based capital ratio | 18.0076% | 2,267 |
| Memoranda: | ||
| Average total assets | $922,785,500 | 780 |
| Average earning assets | $855,463,000 | 768 |
| Average equity | $130,744,500 | 612 |
| Average total loans | $791,638,000 | 632 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 662 |
| Cost of funding earning assets | 0.7487% | 636 |
| Net interest margin | 4.1868% | 1,148 |
| Noninterest income to average assets | 2.1133% | 322 |
| Noninterest expense to average assets | 1.8726% | 5,499 |
| Loan and lease loss provision to assets | 0.0136% | 3,835 |
| Net operating income to assets | 2.6285% | 129 |
| Return on assets (ROA) | 2.5294% | 147 |
| Pretax return on assets | 3.9982% | 71 |
| Return on Equity (ROE) | 17.9724% | 358 |
| Retained earnings to average equity (ytd only) | 15.3243% | 138 |
| Net charge-offs to loans | 0.5193% | 414 |
| Credit loss provision to net charge-offs | 3.0497% | 3,035 |
| Earnings coverage of net charge-offs (x) | 9.2238% | 2,434 |
| Efficiency ratio | 31.2963% | 6,006 |
| Assets per employee ($millions) | 13.6164% | 105 |
| Cash dividends to net income (ytd only)* | 14.7339% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,067 |
| Loan loss allowance to noncurrent loans | 122.9281% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 2.6285% | 503 |
| Noncurrent loans to loans | 1.4709% | 1,493 |
| Net loans and leases to total assets | 83.0772% | 507 |
| Net loans and leases to deposits | 107.7022% | 307 |
| Net loans and leases to core deposits | 121.9375% | 463 |
| Total domestic deposits to total assets | 77.1360% | 5,145 |
| Equity capital to assets | 14.5332% | 860 |
| Core capital (leverage) ratio | 14.6540% | 680 |
| Tier 1 risk-based capital ratio | 16.9830% | 2,228 |
| Total risk-based capital ratio | 18.2397% | 2,184 |
| Memoranda: | ||
| Average total assets | $912,317,000 | 789 |
| Average earning assets | $843,326,670 | 781 |
| Average equity | $128,397,000 | 626 |
| Average total loans | $783,049,670 | 640 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 632 |
| Cost of funding earning assets | 0.7275% | 704 |
| Net interest margin | 4.2284% | 1,043 |
| Noninterest income to average assets | 0.5182% | 3,004 |
| Noninterest expense to average assets | 2.0421% | 5,241 |
| Loan and lease loss provision to assets | 0.3092% | 502 |
| Net operating income to assets | 1.3813% | 1,076 |
| Return on assets (ROA) | 1.2134% | 1,613 |
| Pretax return on assets | 1.8964% | 698 |
| Return on Equity (ROE) | 8.7684% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.8956% | 2,423 |
| Net charge-offs to loans | 0.0087% | 2,836 |
| Credit loss provision to net charge-offs | 4,117.6471% | 96 |
| Earnings coverage of net charge-offs (x) | 316.0588% | 188 |
| Efficiency ratio | 46.2485% | 5,801 |
| Assets per employee ($millions) | 12.3509% | 144 |
| Cash dividends to net income (ytd only)* | 32.7630% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 697 |
| Loan loss allowance to noncurrent loans | 120.3076% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 3.2497% | 371 |
| Noncurrent loans to loans | 1.7375% | 1,288 |
| Net loans and leases to total assets | 85.0462% | 292 |
| Net loans and leases to deposits | 111.8205% | 190 |
| Net loans and leases to core deposits | 129.0041% | 286 |
| Total domestic deposits to total assets | 76.0560% | 5,407 |
| Equity capital to assets | 13.6486% | 1,115 |
| Core capital (leverage) ratio | 14.0565% | 797 |
| Tier 1 risk-based capital ratio | 15.4718% | 2,936 |
| Total risk-based capital ratio | 16.7317% | 2,859 |
| Memoranda: | ||
| Average total assets | $905,518,500 | 799 |
| Average earning assets | $834,648,500 | 795 |
| Average equity | $125,313,000 | 643 |
| Average total loans | $782,880,500 | 635 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 679 |
| Cost of funding earning assets | 0.6991% | 825 |
| Net interest margin | 4.2625% | 1,036 |
| Noninterest income to average assets | 0.5909% | 2,768 |
| Noninterest expense to average assets | 1.9326% | 5,576 |
| Loan and lease loss provision to assets | 0.3541% | 414 |
| Net operating income to assets | 1.4507% | 943 |
| Return on assets (ROA) | 1.3055% | 1,306 |
| Pretax return on assets | 2.1026% | 429 |
| Return on Equity (ROE) | 9.3788% | 2,280 |
| Retained earnings to average equity (ytd only) | 7.1555% | 1,210 |
| Net charge-offs to loans | 0.6723% | 356 |
| Credit loss provision to net charge-offs | 61.4514% | 3,248 |
| Earnings coverage of net charge-offs (x) | 4.5153% | 3,541 |
| Efficiency ratio | 42.6212% | 6,012 |
| Assets per employee ($millions) | 11.7962% | 160 |
| Cash dividends to net income (ytd only)* | 23.7063% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 670 |
| Loan loss allowance to noncurrent loans | 118.9971% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 3.4123% | 354 |
| Noncurrent loans to loans | 1.7815% | 1,239 |
| Net loans and leases to total assets | 84.2084% | 371 |
| Net loans and leases to deposits | 111.7368% | 206 |
| Net loans and leases to core deposits | 121.3083% | 445 |
| Total domestic deposits to total assets | 75.3632% | 5,515 |
| Equity capital to assets | 14.0380% | 918 |
| Core capital (leverage) ratio | 14.5934% | 690 |
| Tier 1 risk-based capital ratio | 15.8693% | 2,745 |
| Total risk-based capital ratio | 17.1293% | 2,680 |
| Memoranda: | ||
| Average total assets | $858,511,400 | 804 |
| Average earning assets | $794,282,600 | 789 |
| Average equity | $119,503,200 | 641 |
| Average total loans | $735,823,400 | 636 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 700 |
| Cost of funding earning assets | 0.6973% | 852 |
| Net interest margin | 4.2437% | 1,066 |
| Noninterest income to average assets | 0.6501% | 2,483 |
| Noninterest expense to average assets | 1.9985% | 5,481 |
| Loan and lease loss provision to assets | 0.4758% | 223 |
| Net operating income to assets | 1.3817% | 1,156 |
| Return on assets (ROA) | 1.2254% | 1,631 |
| Pretax return on assets | 1.9512% | 663 |
| Return on Equity (ROE) | 8.8226% | 2,669 |
| Retained earnings to average equity (ytd only) | 5.8288% | 2,348 |
| Net charge-offs to loans | 0.8797% | 220 |
| Credit loss provision to net charge-offs | 63.1623% | 2,873 |
| Earnings coverage of net charge-offs (x) | 3.4297% | 3,500 |
| Efficiency ratio | 43.6179% | 6,049 |
| Assets per employee ($millions) | 12.0034% | 147 |
| Cash dividends to net income (ytd only)* | 33.9336% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 707 |
| Loan loss allowance to noncurrent loans | 101.9487% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 4.0909% | 282 |
| Noncurrent loans to loans | 2.1220% | 1,061 |
| Net loans and leases to total assets | 85.1385% | 291 |
| Net loans and leases to deposits | 111.9495% | 212 |
| Net loans and leases to core deposits | 123.9138% | 377 |
| Total domestic deposits to total assets | 76.0508% | 5,476 |
| Equity capital to assets | 14.0056% | 1,019 |
| Core capital (leverage) ratio | 14.3035% | 786 |
| Tier 1 risk-based capital ratio | 15.6345% | 2,981 |
| Total risk-based capital ratio | 16.8949% | 2,906 |
| Memoranda: | ||
| Average total assets | $851,960,250 | 814 |
| Average earning assets | $789,315,750 | 800 |
| Average equity | $118,330,000 | 651 |
| Average total loans | $729,494,000 | 643 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 695 |
| Cost of funding earning assets | 0.6856% | 911 |
| Net interest margin | 4.2359% | 1,036 |
| Noninterest income to average assets | 0.4970% | 3,396 |
| Noninterest expense to average assets | 1.9989% | 5,534 |
| Loan and lease loss provision to assets | 0.3751% | 335 |
| Net operating income to assets | 1.3620% | 1,160 |
| Return on assets (ROA) | 1.2438% | 1,542 |
| Pretax return on assets | 1.9298% | 693 |
| Return on Equity (ROE) | 8.9810% | 2,558 |
| Retained earnings to average equity (ytd only) | 5.6938% | 2,412 |
| Net charge-offs to loans | 0.7352% | 306 |
| Credit loss provision to net charge-offs | 59.9096% | 2,595 |
| Earnings coverage of net charge-offs (x) | 3.8704% | 3,125 |
| Efficiency ratio | 45.2043% | 6,068 |
| Assets per employee ($millions) | 12.2300% | 142 |
| Cash dividends to net income (ytd only)* | 36.6016% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 618 |
| Loan loss allowance to noncurrent loans | 78.8987% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 4.7530% | 246 |
| Noncurrent loans to loans | 2.9437% | 685 |
| Net loans and leases to total assets | 82.2340% | 529 |
| Net loans and leases to deposits | 105.9291% | 377 |
| Net loans and leases to core deposits | 116.9404% | 563 |
| Total domestic deposits to total assets | 77.6311% | 5,355 |
| Equity capital to assets | 13.7057% | 1,089 |
| Core capital (leverage) ratio | 14.1992% | 784 |
| Tier 1 risk-based capital ratio | 15.9719% | 2,872 |
| Total risk-based capital ratio | 17.2346% | 2,824 |
| Memoranda: | ||
| Average total assets | $847,865,330 | 822 |
| Average earning assets | $785,611,330 | 813 |
| Average equity | $117,425,670 | 660 |
| Average total loans | $721,967,000 | 650 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 774 |
| Cost of funding earning assets | 0.6615% | 1,038 |
| Net interest margin | 4.1925% | 1,076 |
| Noninterest income to average assets | 0.6007% | 2,649 |
| Noninterest expense to average assets | 2.0458% | 5,495 |
| Loan and lease loss provision to assets | 0.4011% | 291 |
| Net operating income to assets | 1.3046% | 1,260 |
| Return on assets (ROA) | 1.2540% | 1,483 |
| Pretax return on assets | 1.9803% | 611 |
| Return on Equity (ROE) | 9.0060% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.4447% | 3,352 |
| Net charge-offs to loans | 1.5054% | 124 |
| Credit loss provision to net charge-offs | 31.1111% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.8863% | 2,853 |
| Efficiency ratio | 45.6863% | 6,117 |
| Assets per employee ($millions) | 12.3656% | 138 |
| Cash dividends to net income (ytd only)* | 50.6474% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2512% | 749 |
| Loan loss allowance to noncurrent loans | 73.7804% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 5.1744% | 234 |
| Noncurrent loans to loans | 3.0512% | 697 |
| Net loans and leases to total assets | 82.3561% | 423 |
| Net loans and leases to deposits | 106.5264% | 294 |
| Net loans and leases to core deposits | 117.3821% | 474 |
| Total domestic deposits to total assets | 77.3105% | 5,567 |
| Equity capital to assets | 13.7468% | 1,074 |
| Core capital (leverage) ratio | 14.2865% | 740 |
| Tier 1 risk-based capital ratio | 15.9659% | 2,939 |
| Total risk-based capital ratio | 17.2273% | 2,868 |
| Memoranda: | ||
| Average total assets | $837,632,000 | 841 |
| Average earning assets | $774,618,500 | 830 |
| Average equity | $116,633,000 | 660 |
| Average total loans | $717,429,000 | 651 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 603 |
| Cost of funding earning assets | 0.7159% | 1,027 |
| Net interest margin | 4.4068% | 875 |
| Noninterest income to average assets | 0.9196% | 1,444 |
| Noninterest expense to average assets | 2.3194% | 5,062 |
| Loan and lease loss provision to assets | 0.4014% | 440 |
| Net operating income to assets | 1.5516% | 792 |
| Return on assets (ROA) | 1.3396% | 1,259 |
| Pretax return on assets | 2.0449% | 473 |
| Return on Equity (ROE) | 9.7726% | 2,207 |
| Retained earnings to average equity (ytd only) | 8.7095% | 765 |
| Net charge-offs to loans | 0.5534% | 736 |
| Credit loss provision to net charge-offs | 86.2756% | 2,732 |
| Earnings coverage of net charge-offs (x) | 5.6992% | 3,369 |
| Efficiency ratio | 46.6595% | 6,237 |
| Assets per employee ($millions) | 11.5780% | 159 |
| Cash dividends to net income (ytd only)* | 10.8786% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5200% | 535 |
| Loan loss allowance to noncurrent loans | 67.0918% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 5.7811% | 208 |
| Noncurrent loans to loans | 3.7560% | 523 |
| Net loans and leases to total assets | 84.9046% | 283 |
| Net loans and leases to deposits | 107.6965% | 304 |
| Net loans and leases to core deposits | 116.5503% | 511 |
| Total domestic deposits to total assets | 78.8369% | 5,282 |
| Equity capital to assets | 14.1082% | 920 |
| Core capital (leverage) ratio | 14.2659% | 757 |
| Tier 1 risk-based capital ratio | 15.9738% | 2,973 |
| Total risk-based capital ratio | 17.2199% | 2,920 |
| Memoranda: | ||
| Average total assets | $809,705,800 | 838 |
| Average earning assets | $744,371,000 | 826 |
| Average equity | $110,993,800 | 661 |
| Average total loans | $680,735,600 | 635 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 545 |
| Cost of funding earning assets | 0.7238% | 1,025 |
| Net interest margin | 4.4545% | 812 |
| Noninterest income to average assets | 1.0466% | 1,123 |
| Noninterest expense to average assets | 2.3457% | 4,973 |
| Loan and lease loss provision to assets | 0.3719% | 470 |
| Net operating income to assets | 1.6712% | 650 |
| Return on assets (ROA) | 1.4073% | 1,160 |
| Pretax return on assets | 2.1635% | 399 |
| Return on Equity (ROE) | 10.3434% | 2,056 |
| Retained earnings to average equity (ytd only) | 8.9098% | 1,031 |
| Net charge-offs to loans | 0.6126% | 596 |
| Credit loss provision to net charge-offs | 72.8863% | 2,717 |
| Earnings coverage of net charge-offs (x) | 5.4681% | 3,256 |
| Efficiency ratio | 45.6728% | 6,308 |
| Assets per employee ($millions) | 12.3253% | 131 |
| Cash dividends to net income (ytd only)* | 13.8595% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5970% | 576 |
| Loan loss allowance to noncurrent loans | 55.1929% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 6.0875% | 228 |
| Noncurrent loans to loans | 4.7053% | 406 |
| Net loans and leases to total assets | 81.7141% | 541 |
| Net loans and leases to deposits | 103.4616% | 429 |
| Net loans and leases to core deposits | 109.2481% | 779 |
| Total domestic deposits to total assets | 78.9801% | 5,332 |
| Equity capital to assets | 13.9477% | 1,028 |
| Core capital (leverage) ratio | 13.9812% | 847 |
| Tier 1 risk-based capital ratio | 16.2481% | 2,931 |
| Total risk-based capital ratio | 17.5144% | 2,876 |
| Memoranda: | ||
| Average total assets | $806,622,250 | 843 |
| Average earning assets | $740,471,750 | 836 |
| Average equity | $109,748,500 | 668 |
| Average total loans | $671,921,250 | 644 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 469 |
| Cost of funding earning assets | 0.7268% | 1,039 |
| Net interest margin | 4.5247% | 672 |
| Noninterest income to average assets | 0.6055% | 2,791 |
| Noninterest expense to average assets | 2.3460% | 5,037 |
| Loan and lease loss provision to assets | 0.4973% | 299 |
| Net operating income to assets | 1.3167% | 1,258 |
| Return on assets (ROA) | 1.2263% | 1,573 |
| Pretax return on assets | 1.8296% | 797 |
| Return on Equity (ROE) | 9.0903% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.0903% | 961 |
| Net charge-offs to loans | 0.9279% | 390 |
| Credit loss provision to net charge-offs | 64.4953% | 2,568 |
| Earnings coverage of net charge-offs (x) | 3.1171% | 3,386 |
| Efficiency ratio | 49.3953% | 6,206 |
| Assets per employee ($millions) | 12.0420% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6039% | 606 |
| Loan loss allowance to noncurrent loans | 52.6667% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 6.9437% | 191 |
| Noncurrent loans to loans | 4.9441% | 404 |
| Net loans and leases to total assets | 79.7498% | 715 |
| Net loans and leases to deposits | 100.5915% | 527 |
| Net loans and leases to core deposits | 106.0740% | 895 |
| Total domestic deposits to total assets | 79.2809% | 5,393 |
| Equity capital to assets | 13.5785% | 1,129 |
| Core capital (leverage) ratio | 13.7450% | 903 |
| Tier 1 risk-based capital ratio | 16.2718% | 2,945 |
| Total risk-based capital ratio | 17.5381% | 2,881 |
| Memoranda: | ||
| Average total assets | $804,338,670 | 848 |
| Average earning assets | $736,665,000 | 834 |
| Average equity | $108,511,000 | 671 |
| Average total loans | $668,413,330 | 642 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 431 |
| Cost of funding earning assets | 0.7326% | 1,059 |
| Net interest margin | 4.5395% | 612 |
| Noninterest income to average assets | 0.3909% | 4,269 |
| Noninterest expense to average assets | 2.2798% | 5,249 |
| Loan and lease loss provision to assets | 0.5018% | 295 |
| Net operating income to assets | 1.2059% | 1,474 |
| Return on assets (ROA) | 1.1979% | 1,559 |
| Pretax return on assets | 1.7810% | 823 |
| Return on Equity (ROE) | 8.9090% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.9090% | 1,275 |
| Net charge-offs to loans | 0.0731% | 2,417 |
| Credit loss provision to net charge-offs | 819.6721% | 365 |
| Earnings coverage of net charge-offs (x) | 36.9508% | 926 |
| Efficiency ratio | 50.1933% | 6,246 |
| Assets per employee ($millions) | 11.5888% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9093% | 476 |
| Loan loss allowance to noncurrent loans | 59.4525% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 7.7360% | 176 |
| Noncurrent loans to loans | 4.8935% | 465 |
| Net loans and leases to total assets | 81.1252% | 446 |
| Net loans and leases to deposits | 102.2826% | 360 |
| Net loans and leases to core deposits | 108.1446% | 666 |
| Total domestic deposits to total assets | 79.3147% | 5,626 |
| Equity capital to assets | 13.5611% | 1,081 |
| Core capital (leverage) ratio | 13.5035% | 972 |
| Tier 1 risk-based capital ratio | 15.9218% | 3,205 |
| Total risk-based capital ratio | 17.1921% | 3,148 |
| Memoranda: | ||
| Average total assets | $797,081,500 | 859 |
| Average earning assets | $728,888,000 | 850 |
| Average equity | $107,172,500 | 678 |
| Average total loans | $667,373,500 | 643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 561 |
| Cost of funding earning assets | 0.7939% | 1,244 |
| Net interest margin | 4.4775% | 769 |
| Noninterest income to average assets | 0.5415% | 3,462 |
| Noninterest expense to average assets | 2.4425% | 4,950 |
| Loan and lease loss provision to assets | 0.3547% | 884 |
| Net operating income to assets | 1.1556% | 1,736 |
| Return on assets (ROA) | 1.0612% | 2,153 |
| Pretax return on assets | 1.7212% | 906 |
| Return on Equity (ROE) | 8.0697% | 3,001 |
| Retained earnings to average equity (ytd only) | 5.3885% | 2,355 |
| Net charge-offs to loans | 0.4749% | 1,401 |
| Credit loss provision to net charge-offs | 87.7763% | 2,827 |
| Earnings coverage of net charge-offs (x) | 5.4532% | 3,295 |
| Efficiency ratio | 52.5703% | 6,242 |
| Assets per employee ($millions) | 11.6844% | 147 |
| Cash dividends to net income (ytd only)* | 33.2260% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7842% | 614 |
| Loan loss allowance to noncurrent loans | 51.6215% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 8.1006% | 183 |
| Noncurrent loans to loans | 5.3936% | 430 |
| Net loans and leases to total assets | 81.5633% | 450 |
| Net loans and leases to deposits | 103.2149% | 351 |
| Net loans and leases to core deposits | 107.8128% | 707 |
| Total domestic deposits to total assets | 79.0229% | 5,650 |
| Equity capital to assets | 13.3294% | 1,130 |
| Core capital (leverage) ratio | 13.9370% | 840 |
| Tier 1 risk-based capital ratio | 15.6496% | 3,278 |
| Total risk-based capital ratio | 16.9179% | 3,224 |
| Memoranda: | ||
| Average total assets | $761,194,800 | 879 |
| Average earning assets | $697,805,200 | 870 |
| Average equity | $100,102,600 | 705 |
| Average total loans | $647,721,600 | 650 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 558 |
| Cost of funding earning assets | 0.8189% | 1,212 |
| Net interest margin | 4.4487% | 810 |
| Noninterest income to average assets | 0.6048% | 3,119 |
| Noninterest expense to average assets | 2.3666% | 5,128 |
| Loan and lease loss provision to assets | 0.3896% | 785 |
| Net operating income to assets | 1.1866% | 1,675 |
| Return on assets (ROA) | 1.1232% | 1,989 |
| Pretax return on assets | 1.8647% | 769 |
| Return on Equity (ROE) | 8.5714% | 2,854 |
| Retained earnings to average equity (ytd only) | 5.3939% | 2,806 |
| Net charge-offs to loans | 0.3019% | 2,022 |
| Credit loss provision to net charge-offs | 151.0989% | 1,559 |
| Earnings coverage of net charge-offs (x) | 8.9883% | 2,546 |
| Efficiency ratio | 50.5217% | 6,367 |
| Assets per employee ($millions) | 10.9812% | 178 |
| Cash dividends to net income (ytd only)* | 37.0703% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9634% | 570 |
| Loan loss allowance to noncurrent loans | 47.8844% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 9.1690% | 165 |
| Noncurrent loans to loans | 6.1886% | 390 |
| Net loans and leases to total assets | 86.3017% | 139 |
| Net loans and leases to deposits | 105.3584% | 256 |
| Net loans and leases to core deposits | 110.5791% | 558 |
| Total domestic deposits to total assets | 81.9125% | 4,960 |
| Equity capital to assets | 13.4760% | 1,124 |
| Core capital (leverage) ratio | 13.5061% | 1,021 |
| Tier 1 risk-based capital ratio | 14.9948% | 3,759 |
| Total risk-based capital ratio | 16.2653% | 3,694 |
| Memoranda: | ||
| Average total assets | $752,859,500 | 893 |
| Average earning assets | $690,365,750 | 881 |
| Average equity | $98,651,500 | 726 |
| Average total loans | $642,999,500 | 656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 556 |
| Cost of funding earning assets | 0.8551% | 1,115 |
| Net interest margin | 4.4148% | 827 |
| Noninterest income to average assets | 0.5182% | 3,715 |
| Noninterest expense to average assets | 2.1075% | 5,855 |
| Loan and lease loss provision to assets | 0.5299% | 504 |
| Net operating income to assets | 1.1906% | 1,613 |
| Return on assets (ROA) | 1.1252% | 1,956 |
| Pretax return on assets | 1.8696% | 790 |
| Return on Equity (ROE) | 8.6680% | 2,771 |
| Retained earnings to average equity (ytd only) | 4.2922% | 3,559 |
| Net charge-offs to loans | 0.0217% | 4,403 |
| Credit loss provision to net charge-offs | 2,898.5507% | 117 |
| Earnings coverage of net charge-offs (x) | 134.8406% | 365 |
| Efficiency ratio | 46.0919% | 6,632 |
| Assets per employee ($millions) | 10.8523% | 179 |
| Cash dividends to net income (ytd only)* | 50.4827% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2366% | 468 |
| Loan loss allowance to noncurrent loans | 46.1129% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 9.2713% | 176 |
| Noncurrent loans to loans | 7.0188% | 342 |
| Net loans and leases to total assets | 84.5384% | 206 |
| Net loans and leases to deposits | 102.3015% | 320 |
| Net loans and leases to core deposits | 106.9767% | 688 |
| Total domestic deposits to total assets | 82.6365% | 4,840 |
| Equity capital to assets | 13.3749% | 1,192 |
| Core capital (leverage) ratio | 13.4531% | 997 |
| Tier 1 risk-based capital ratio | 15.1830% | 3,653 |
| Total risk-based capital ratio | 16.4569% | 3,611 |
| Memoranda: | ||
| Average total assets | $754,905,670 | 890 |
| Average earning assets | $693,259,670 | 875 |
| Average equity | $97,992,670 | 731 |
| Average total loans | $635,961,670 | 657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 514 |
| Cost of funding earning assets | 0.8743% | 1,120 |
| Net interest margin | 4.4239% | 773 |
| Noninterest income to average assets | 0.3385% | 4,990 |
| Noninterest expense to average assets | 1.9534% | 6,194 |
| Loan and lease loss provision to assets | 0.5240% | 508 |
| Net operating income to assets | 1.1853% | 1,568 |
| Return on assets (ROA) | 1.1517% | 1,772 |
| Pretax return on assets | 1.8921% | 748 |
| Return on Equity (ROE) | 9.0046% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.6486% | 1,875 |
| Net charge-offs to loans | 0.0475% | 3,366 |
| Credit loss provision to net charge-offs | 1,333.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 574 |
| Efficiency ratio | 44.3651% | 6,760 |
| Assets per employee ($millions) | 11.1278% | 167 |
| Cash dividends to net income (ytd only)* | 15.0591% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1378% | 579 |
| Loan loss allowance to noncurrent loans | 43.2504% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 9.4258% | 221 |
| Noncurrent loans to loans | 7.2550% | 392 |
| Net loans and leases to total assets | 81.0231% | 350 |
| Net loans and leases to deposits | 98.2581% | 432 |
| Net loans and leases to core deposits | 104.4494% | 695 |
| Total domestic deposits to total assets | 82.4594% | 5,038 |
| Equity capital to assets | 13.0259% | 1,420 |
| Core capital (leverage) ratio | 12.9735% | 1,124 |
| Tier 1 risk-based capital ratio | 15.3353% | 3,631 |
| Total risk-based capital ratio | 16.5924% | 3,580 |
| Memoranda: | ||
| Average total assets | $763,381,000 | 889 |
| Average earning assets | $701,379,000 | 880 |
| Average equity | $97,638,500 | 741 |
| Average total loans | $631,581,500 | 662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 1,049 |
| Cost of funding earning assets | 0.9905% | 1,406 |
| Net interest margin | 4.2443% | 1,534 |
| Noninterest income to average assets | 0.5341% | 3,685 |
| Noninterest expense to average assets | 1.8863% | 6,509 |
| Loan and lease loss provision to assets | 0.9376% | 460 |
| Net operating income to assets | 1.0960% | 1,948 |
| Return on assets (ROA) | 0.9989% | 2,564 |
| Pretax return on assets | 1.5437% | 1,547 |
| Return on Equity (ROE) | 8.3220% | 2,947 |
| Retained earnings to average equity (ytd only) | 7.2562% | 1,449 |
| Net charge-offs to loans | 1.2484% | 793 |
| Credit loss provision to net charge-offs | 94.9655% | 3,275 |
| Earnings coverage of net charge-offs (x) | 2.6116% | 4,118 |
| Efficiency ratio | 42.2485% | 6,889 |
| Assets per employee ($millions) | 11.3246% | 166 |
| Cash dividends to net income (ytd only)* | 12.8070% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0047% | 661 |
| Loan loss allowance to noncurrent loans | 39.8250% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 9.4929% | 242 |
| Noncurrent loans to loans | 7.5448% | 402 |
| Net loans and leases to total assets | 79.3786% | 527 |
| Net loans and leases to deposits | 95.9218% | 619 |
| Net loans and leases to core deposits | 102.8684% | 840 |
| Total domestic deposits to total assets | 82.7535% | 4,820 |
| Equity capital to assets | 12.5587% | 1,668 |
| Core capital (leverage) ratio | 12.6087% | 1,280 |
| Tier 1 risk-based capital ratio | 14.9937% | 3,724 |
| Total risk-based capital ratio | 16.2642% | 3,664 |
| Memoranda: | ||
| Average total assets | $778,570,600 | 850 |
| Average earning assets | $721,032,400 | 829 |
| Average equity | $93,450,800 | 753 |
| Average total loans | $615,750,200 | 672 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 1,068 |
| Cost of funding earning assets | 1.0134% | 1,481 |
| Net interest margin | 4.2524% | 1,591 |
| Noninterest income to average assets | 0.4164% | 4,506 |
| Noninterest expense to average assets | 1.8491% | 6,616 |
| Loan and lease loss provision to assets | 0.9905% | 415 |
| Net operating income to assets | 1.0288% | 2,366 |
| Return on assets (ROA) | 0.9533% | 2,952 |
| Pretax return on assets | 1.4477% | 2,088 |
| Return on Equity (ROE) | 8.0341% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.0842% | 2,077 |
| Net charge-offs to loans | 1.6632% | 496 |
| Credit loss provision to net charge-offs | 75.9560% | 3,741 |
| Earnings coverage of net charge-offs (x) | 1.9276% | 4,298 |
| Efficiency ratio | 42.3824% | 6,952 |
| Assets per employee ($millions) | 11.6647% | 159 |
| Cash dividends to net income (ytd only)* | 11.8237% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8885% | 811 |
| Loan loss allowance to noncurrent loans | 33.0511% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 10.4444% | 221 |
| Noncurrent loans to loans | 8.7396% | 333 |
| Net loans and leases to total assets | 76.3646% | 916 |
| Net loans and leases to deposits | 91.8679% | 985 |
| Net loans and leases to core deposits | 99.0972% | 1,186 |
| Total domestic deposits to total assets | 83.1243% | 4,595 |
| Equity capital to assets | 12.3353% | 2,006 |
| Core capital (leverage) ratio | 12.3131% | 1,488 |
| Tier 1 risk-based capital ratio | 15.1654% | 3,732 |
| Total risk-based capital ratio | 16.4341% | 3,665 |
| Memoranda: | ||
| Average total assets | $780,695,750 | 857 |
| Average earning assets | $724,529,750 | 829 |
| Average equity | $92,635,750 | 762 |
| Average total loans | $612,136,000 | 677 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 947 |
| Cost of funding earning assets | 1.0400% | 1,524 |
| Net interest margin | 4.3167% | 1,439 |
| Noninterest income to average assets | 0.3802% | 4,797 |
| Noninterest expense to average assets | 1.8773% | 6,645 |
| Loan and lease loss provision to assets | 1.0965% | 392 |
| Net operating income to assets | 1.0300% | 2,336 |
| Return on assets (ROA) | 0.9667% | 2,843 |
| Pretax return on assets | 1.3566% | 2,364 |
| Return on Equity (ROE) | 8.2540% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.5355% | 1,847 |
| Net charge-offs to loans | 1.7247% | 522 |
| Credit loss provision to net charge-offs | 81.1627% | 3,287 |
| Earnings coverage of net charge-offs (x) | 1.8626% | 4,044 |
| Efficiency ratio | 42.7278% | 6,998 |
| Assets per employee ($millions) | 12.5116% | 130 |
| Cash dividends to net income (ytd only)* | 8.7048% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0295% | 759 |
| Loan loss allowance to noncurrent loans | 42.7415% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 8.7536% | 363 |
| Noncurrent loans to loans | 7.0881% | 544 |
| Net loans and leases to total assets | 74.4140% | 1,193 |
| Net loans and leases to deposits | 89.0216% | 1,251 |
| Net loans and leases to core deposits | 95.8536% | 1,438 |
| Total domestic deposits to total assets | 83.5909% | 4,490 |
| Equity capital to assets | 11.8749% | 2,244 |
| Core capital (leverage) ratio | 12.0954% | 1,558 |
| Tier 1 risk-based capital ratio | 14.9683% | 3,787 |
| Total risk-based capital ratio | 16.2201% | 3,735 |
| Memoranda: | ||
| Average total assets | $784,304,330 | 846 |
| Average earning assets | $729,213,330 | 829 |
| Average equity | $91,859,000 | 761 |
| Average total loans | $614,383,000 | 675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4049% | 901 |
| Cost of funding earning assets | 1.0652% | 1,595 |
| Net interest margin | 4.3397% | 1,357 |
| Noninterest income to average assets | 0.5547% | 3,531 |
| Noninterest expense to average assets | 1.7880% | 6,806 |
| Loan and lease loss provision to assets | 1.1504% | 339 |
| Net operating income to assets | 1.0113% | 2,437 |
| Return on assets (ROA) | 0.9566% | 2,861 |
| Pretax return on assets | 1.6070% | 1,548 |
| Return on Equity (ROE) | 8.2253% | 3,182 |
| Retained earnings to average equity (ytd only) | 8.2253% | 1,893 |
| Net charge-offs to loans | 2.5946% | 315 |
| Credit loss provision to net charge-offs | 56.0259% | 3,181 |
| Earnings coverage of net charge-offs (x) | 1.3695% | 3,643 |
| Efficiency ratio | 38.8685% | 7,127 |
| Assets per employee ($millions) | 12.6931% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8644% | 946 |
| Loan loss allowance to noncurrent loans | 40.6365% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 8.6712% | 418 |
| Noncurrent loans to loans | 7.0489% | 631 |
| Net loans and leases to total assets | 76.8938% | 707 |
| Net loans and leases to deposits | 91.9360% | 800 |
| Net loans and leases to core deposits | 99.3172% | 1,031 |
| Total domestic deposits to total assets | 83.6383% | 4,662 |
| Equity capital to assets | 11.8726% | 2,130 |
| Core capital (leverage) ratio | 11.9234% | 1,633 |
| Tier 1 risk-based capital ratio | 14.4513% | 4,145 |
| Total risk-based capital ratio | 15.7197% | 4,097 |
| Memoranda: | ||
| Average total assets | $782,342,500 | 850 |
| Average earning assets | $729,263,000 | 826 |
| Average equity | $90,988,000 | 767 |
| Average total loans | $619,136,000 | 674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8421% | 587 |
| Cost of funding earning assets | 1.2692% | 1,638 |
| Net interest margin | 4.5730% | 975 |
| Noninterest income to average assets | 0.6411% | 2,940 |
| Noninterest expense to average assets | 1.6285% | 7,099 |
| Loan and lease loss provision to assets | 1.3801% | 569 |
| Net operating income to assets | 1.1671% | 1,620 |
| Return on assets (ROA) | 1.0332% | 2,224 |
| Pretax return on assets | 1.7626% | 872 |
| Return on Equity (ROE) | 8.9658% | 2,464 |
| Retained earnings to average equity (ytd only) | 7.1320% | 1,437 |
| Net charge-offs to loans | 0.9355% | 1,860 |
| Credit loss provision to net charge-offs | 176.6396% | 1,487 |
| Earnings coverage of net charge-offs (x) | 4.2017% | 3,223 |
| Efficiency ratio | 33.1585% | 7,273 |
| Assets per employee ($millions) | 13.3967% | 114 |
| Cash dividends to net income (ytd only)* | 20.4525% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0900% | 750 |
| Loan loss allowance to noncurrent loans | 43.4625% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 8.0805% | 499 |
| Noncurrent loans to loans | 7.1095% | 618 |
| Net loans and leases to total assets | 76.6720% | 871 |
| Net loans and leases to deposits | 95.4005% | 715 |
| Net loans and leases to core deposits | 103.3078% | 945 |
| Total domestic deposits to total assets | 80.3685% | 5,637 |
| Equity capital to assets | 11.3928% | 2,603 |
| Core capital (leverage) ratio | 12.0414% | 1,567 |
| Tier 1 risk-based capital ratio | 14.1659% | 4,203 |
| Total risk-based capital ratio | 15.4377% | 4,140 |
| Memoranda: | ||
| Average total assets | $757,193,800 | 869 |
| Average earning assets | $707,068,600 | 846 |
| Average equity | $87,254,200 | 771 |
| Average total loans | $632,379,000 | 652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8954% | 566 |
| Cost of funding earning assets | 1.3051% | 1,670 |
| Net interest margin | 4.5903% | 967 |
| Noninterest income to average assets | 0.7166% | 2,498 |
| Noninterest expense to average assets | 1.6703% | 7,123 |
| Loan and lease loss provision to assets | 1.2196% | 635 |
| Net operating income to assets | 1.2864% | 1,417 |
| Return on assets (ROA) | 1.1257% | 2,016 |
| Pretax return on assets | 1.9456% | 703 |
| Return on Equity (ROE) | 9.7399% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.8915% | 1,544 |
| Net charge-offs to loans | 1.0864% | 1,466 |
| Credit loss provision to net charge-offs | 132.5721% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.6213% | 3,365 |
| Efficiency ratio | 33.3962% | 7,338 |
| Assets per employee ($millions) | 14.1984% | 107 |
| Cash dividends to net income (ytd only)* | 18.9783% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5765% | 1,299 |
| Loan loss allowance to noncurrent loans | 42.4897% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 7.4235% | 636 |
| Noncurrent loans to loans | 6.0639% | 916 |
| Net loans and leases to total assets | 81.2345% | 411 |
| Net loans and leases to deposits | 100.0630% | 473 |
| Net loans and leases to core deposits | 111.9905% | 607 |
| Total domestic deposits to total assets | 81.1834% | 5,378 |
| Equity capital to assets | 11.6127% | 2,575 |
| Core capital (leverage) ratio | 12.0523% | 1,675 |
| Tier 1 risk-based capital ratio | 13.7247% | 4,559 |
| Total risk-based capital ratio | 14.9828% | 4,511 |
| Memoranda: | ||
| Average total assets | $748,891,000 | 889 |
| Average earning assets | $699,083,500 | 864 |
| Average equity | $86,555,500 | 782 |
| Average total loans | $634,138,250 | 659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9568% | 517 |
| Cost of funding earning assets | 1.3259% | 1,792 |
| Net interest margin | 4.6309% | 850 |
| Noninterest income to average assets | 0.9871% | 1,358 |
| Noninterest expense to average assets | 1.7134% | 7,168 |
| Loan and lease loss provision to assets | 1.2114% | 636 |
| Net operating income to assets | 1.4500% | 978 |
| Return on assets (ROA) | 1.2528% | 1,506 |
| Pretax return on assets | 2.1800% | 423 |
| Return on Equity (ROE) | 10.8575% | 1,843 |
| Retained earnings to average equity (ytd only) | 8.9912% | 1,111 |
| Net charge-offs to loans | 0.8694% | 1,781 |
| Credit loss provision to net charge-offs | 163.6959% | 1,849 |
| Earnings coverage of net charge-offs (x) | 4.8567% | 2,753 |
| Efficiency ratio | 32.2834% | 7,423 |
| Assets per employee ($millions) | 12.6303% | 138 |
| Cash dividends to net income (ytd only)* | 17.1895% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6191% | 1,288 |
| Loan loss allowance to noncurrent loans | 47.7745% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 7.1476% | 700 |
| Noncurrent loans to loans | 5.4822% | 1,155 |
| Net loans and leases to total assets | 82.5270% | 335 |
| Net loans and leases to deposits | 102.1198% | 383 |
| Net loans and leases to core deposits | 115.8746% | 520 |
| Total domestic deposits to total assets | 80.8138% | 5,591 |
| Equity capital to assets | 11.7738% | 2,267 |
| Core capital (leverage) ratio | 12.0229% | 1,583 |
| Tier 1 risk-based capital ratio | 13.6529% | 4,414 |
| Total risk-based capital ratio | 14.9190% | 4,380 |
| Memoranda: | ||
| Average total assets | $742,950,670 | 899 |
| Average earning assets | $693,121,000 | 877 |
| Average equity | $85,728,670 | 786 |
| Average total loans | $632,415,330 | 675 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8811% | 622 |
| Cost of funding earning assets | 1.3561% | 1,846 |
| Net interest margin | 4.5250% | 1,015 |
| Noninterest income to average assets | 1.3669% | 688 |
| Noninterest expense to average assets | 1.7082% | 7,222 |
| Loan and lease loss provision to assets | 1.2941% | 531 |
| Net operating income to assets | 1.5733% | 732 |
| Return on assets (ROA) | 1.2822% | 1,363 |
| Pretax return on assets | 2.2959% | 350 |
| Return on Equity (ROE) | 11.2270% | 1,667 |
| Retained earnings to average equity (ytd only) | 9.3385% | 1,281 |
| Net charge-offs to loans | 1.5138% | 897 |
| Credit loss provision to net charge-offs | 100.2088% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.0084% | 2,876 |
| Efficiency ratio | 30.5408% | 7,494 |
| Assets per employee ($millions) | 12.2920% | 143 |
| Cash dividends to net income (ytd only)* | 16.8209% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 1,655 |
| Loan loss allowance to noncurrent loans | 42.8923% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 6.9596% | 772 |
| Noncurrent loans to loans | 5.5095% | 1,189 |
| Net loans and leases to total assets | 84.2820% | 215 |
| Net loans and leases to deposits | 104.5119% | 296 |
| Net loans and leases to core deposits | 118.4125% | 463 |
| Total domestic deposits to total assets | 80.6434% | 5,773 |
| Equity capital to assets | 11.8157% | 2,033 |
| Core capital (leverage) ratio | 11.5026% | 1,845 |
| Tier 1 risk-based capital ratio | 13.4379% | 4,471 |
| Total risk-based capital ratio | 14.7009% | 4,439 |
| Memoranda: | ||
| Average total assets | $741,832,000 | 907 |
| Average earning assets | $692,858,500 | 885 |
| Average equity | $84,724,500 | 784 |
| Average total loans | $632,862,500 | 678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3888% | 389 |
| Cost of funding earning assets | 1.6672% | 1,747 |
| Net interest margin | 4.7216% | 778 |
| Noninterest income to average assets | 0.4018% | 4,896 |
| Noninterest expense to average assets | 1.6046% | 7,405 |
| Loan and lease loss provision to assets | 1.2764% | 1,213 |
| Net operating income to assets | 1.1868% | 1,444 |
| Return on assets (ROA) | 1.1488% | 1,629 |
| Pretax return on assets | 1.8430% | 692 |
| Return on Equity (ROE) | 10.1313% | 1,875 |
| Retained earnings to average equity (ytd only) | 8.1301% | 947 |
| Net charge-offs to loans | 1.0620% | 2,084 |
| Credit loss provision to net charge-offs | 136.0544% | 2,837 |
| Earnings coverage of net charge-offs (x) | 3.3751% | 3,393 |
| Efficiency ratio | 33.6326% | 7,562 |
| Assets per employee ($millions) | 13.3059% | 120 |
| Cash dividends to net income (ytd only)* | 19.7531% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 1,675 |
| Loan loss allowance to noncurrent loans | 49.8819% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 6.1111% | 965 |
| Noncurrent loans to loans | 4.6347% | 1,510 |
| Net loans and leases to total assets | 82.3939% | 417 |
| Net loans and leases to deposits | 103.2631% | 433 |
| Net loans and leases to core deposits | 121.9124% | 475 |
| Total domestic deposits to total assets | 79.7903% | 5,891 |
| Equity capital to assets | 11.0435% | 2,649 |
| Core capital (leverage) ratio | 11.2372% | 1,985 |
| Tier 1 risk-based capital ratio | 12.9475% | 4,637 |
| Total risk-based capital ratio | 14.2101% | 4,602 |
| Memoranda: | ||
| Average total assets | $705,110,800 | 946 |
| Average earning assets | $652,465,000 | 935 |
| Average equity | $79,950,200 | 827 |
| Average total loans | $622,884,200 | 712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4646% | 368 |
| Cost of funding earning assets | 1.7150% | 1,795 |
| Net interest margin | 4.7496% | 747 |
| Noninterest income to average assets | 0.3870% | 5,062 |
| Noninterest expense to average assets | 1.5654% | 7,520 |
| Loan and lease loss provision to assets | 1.2337% | 1,148 |
| Net operating income to assets | 1.2266% | 1,524 |
| Return on assets (ROA) | 1.1799% | 1,740 |
| Pretax return on assets | 1.9127% | 750 |
| Return on Equity (ROE) | 10.3325% | 1,995 |
| Retained earnings to average equity (ytd only) | 8.3071% | 1,314 |
| Net charge-offs to loans | 1.1588% | 1,761 |
| Credit loss provision to net charge-offs | 119.0441% | 3,480 |
| Earnings coverage of net charge-offs (x) | 3.0889% | 3,588 |
| Efficiency ratio | 32.8414% | 7,659 |
| Assets per employee ($millions) | 13.0279% | 138 |
| Cash dividends to net income (ytd only)* | 19.6014% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 1,989 |
| Loan loss allowance to noncurrent loans | 57.4952% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 4.1925% | 1,640 |
| Noncurrent loans to loans | 3.6602% | 2,135 |
| Net loans and leases to total assets | 84.1192% | 325 |
| Net loans and leases to deposits | 104.2488% | 420 |
| Net loans and leases to core deposits | 125.8840% | 453 |
| Total domestic deposits to total assets | 80.6908% | 5,482 |
| Equity capital to assets | 11.0474% | 2,915 |
| Core capital (leverage) ratio | 11.6594% | 1,838 |
| Tier 1 risk-based capital ratio | 12.7376% | 4,786 |
| Total risk-based capital ratio | 13.9567% | 4,787 |
| Memoranda: | ||
| Average total assets | $691,779,250 | 968 |
| Average earning assets | $637,882,250 | 955 |
| Average equity | $78,998,250 | 833 |
| Average total loans | $618,681,500 | 721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4677% | 358 |
| Cost of funding earning assets | 1.7437% | 1,902 |
| Net interest margin | 4.7240% | 782 |
| Noninterest income to average assets | 0.3254% | 5,550 |
| Noninterest expense to average assets | 1.4406% | 7,645 |
| Loan and lease loss provision to assets | 1.2747% | 1,092 |
| Net operating income to assets | 1.2547% | 1,418 |
| Return on assets (ROA) | 1.2308% | 1,545 |
| Pretax return on assets | 2.0076% | 596 |
| Return on Equity (ROE) | 10.6507% | 1,875 |
| Retained earnings to average equity (ytd only) | 8.5991% | 1,229 |
| Net charge-offs to loans | 0.5920% | 2,752 |
| Credit loss provision to net charge-offs | 237.3620% | 1,623 |
| Earnings coverage of net charge-offs (x) | 6.1645% | 2,513 |
| Efficiency ratio | 30.3225% | 7,749 |
| Assets per employee ($millions) | 12.2602% | 153 |
| Cash dividends to net income (ytd only)* | 19.2632% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4018% | 1,432 |
| Loan loss allowance to noncurrent loans | 87.4567% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 3.9226% | 1,766 |
| Noncurrent loans to loans | 2.7463% | 2,905 |
| Net loans and leases to total assets | 86.5999% | 189 |
| Net loans and leases to deposits | 107.8062% | 328 |
| Net loans and leases to core deposits | 135.1432% | 342 |
| Total domestic deposits to total assets | 80.3293% | 5,621 |
| Equity capital to assets | 11.5151% | 2,433 |
| Core capital (leverage) ratio | 11.9173% | 1,692 |
| Tier 1 risk-based capital ratio | 12.7684% | 4,633 |
| Total risk-based capital ratio | 14.0318% | 4,589 |
| Memoranda: | ||
| Average total assets | $674,843,000 | 997 |
| Average earning assets | $632,215,000 | 972 |
| Average equity | $77,985,330 | 836 |
| Average total loans | $612,213,000 | 730 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4115% | 422 |
| Cost of funding earning assets | 1.8031% | 1,859 |
| Net interest margin | 4.6084% | 936 |
| Noninterest income to average assets | 0.1509% | 6,886 |
| Noninterest expense to average assets | 1.4145% | 7,754 |
| Loan and lease loss provision to assets | 1.2679% | 960 |
| Net operating income to assets | 1.1385% | 1,712 |
| Return on assets (ROA) | 1.1671% | 1,700 |
| Pretax return on assets | 1.8623% | 790 |
| Return on Equity (ROE) | 10.0805% | 2,074 |
| Retained earnings to average equity (ytd only) | 7.9956% | 1,708 |
| Net charge-offs to loans | 0.9002% | 1,771 |
| Credit loss provision to net charge-offs | 153.4697% | 2,337 |
| Earnings coverage of net charge-offs (x) | 3.7611% | 2,796 |
| Efficiency ratio | 31.2825% | 7,842 |
| Assets per employee ($millions) | 12.9369% | 142 |
| Cash dividends to net income (ytd only)* | 20.6825% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 1,869 |
| Loan loss allowance to noncurrent loans | 57.7559% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.9119% | 1,765 |
| Noncurrent loans to loans | 3.7093% | 2,146 |
| Net loans and leases to total assets | 89.1934% | 90 |
| Net loans and leases to deposits | 111.7309% | 255 |
| Net loans and leases to core deposits | 142.6137% | 300 |
| Total domestic deposits to total assets | 79.8288% | 5,844 |
| Equity capital to assets | 11.6586% | 2,261 |
| Core capital (leverage) ratio | 11.8869% | 1,697 |
| Tier 1 risk-based capital ratio | 13.1159% | 4,254 |
| Total risk-based capital ratio | 14.3771% | 4,209 |
| Memoranda: | ||
| Average total assets | $662,849,500 | 1,042 |
| Average earning assets | $628,678,500 | 995 |
| Average equity | $76,742,500 | 856 |
| Average total loans | $608,280,000 | 758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6673% | 500 |
| Cost of funding earning assets | 2.5068% | 1,016 |
| Net interest margin | 4.1605% | 2,209 |
| Noninterest income to average assets | 0.1817% | 6,789 |
| Noninterest expense to average assets | 1.3248% | 7,860 |
| Loan and lease loss provision to assets | 0.8317% | 2,643 |
| Net operating income to assets | 1.2641% | 1,104 |
| Return on assets (ROA) | 1.0904% | 1,585 |
| Pretax return on assets | 1.7124% | 757 |
| Return on Equity (ROE) | 10.0368% | 1,675 |
| Retained earnings to average equity (ytd only) | 7.7258% | 767 |
| Net charge-offs to loans | 0.1153% | 6,012 |
| Credit loss provision to net charge-offs | 787.5186% | 372 |
| Earnings coverage of net charge-offs (x) | 26.6597% | 845 |
| Efficiency ratio | 31.9992% | 7,923 |
| Assets per employee ($millions) | 13.6037% | 129 |
| Cash dividends to net income (ytd only)* | 23.0249% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 1,901 |
| Loan loss allowance to noncurrent loans | 48.7349% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 3.8978% | 1,703 |
| Noncurrent loans to loans | 4.2181% | 1,727 |
| Net loans and leases to total assets | 90.5079% | 73 |
| Net loans and leases to deposits | 113.7486% | 267 |
| Net loans and leases to core deposits | 131.7825% | 1,184 |
| Total domestic deposits to total assets | 79.5684% | 5,825 |
| Equity capital to assets | 11.4943% | 2,325 |
| Core capital (leverage) ratio | 11.9310% | 1,694 |
| Tier 1 risk-based capital ratio | 13.0167% | 4,132 |
| Total risk-based capital ratio | 14.2739% | 4,074 |
| Memoranda: | ||
| Average total assets | $637,281,200 | 1,089 |
| Average earning assets | $606,343,800 | 1,035 |
| Average equity | $69,235,200 | 949 |
| Average total loans | $583,824,200 | 818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6723% | 535 |
| Cost of funding earning assets | 2.6623% | 881 |
| Net interest margin | 4.0101% | 2,767 |
| Noninterest income to average assets | 0.1434% | 7,148 |
| Noninterest expense to average assets | 1.3073% | 7,960 |
| Loan and lease loss provision to assets | 0.6736% | 2,718 |
| Net operating income to assets | 1.2718% | 1,279 |
| Return on assets (ROA) | 1.0646% | 1,902 |
| Pretax return on assets | 1.6513% | 1,064 |
| Return on Equity (ROE) | 9.9476% | 1,930 |
| Retained earnings to average equity (ytd only) | 7.5871% | 1,274 |
| Net charge-offs to loans | 0.0143% | 6,715 |
| Credit loss provision to net charge-offs | 5,161.2903% | 79 |
| Earnings coverage of net charge-offs (x) | 202.9468% | 189 |
| Efficiency ratio | 33.0460% | 7,994 |
| Assets per employee ($millions) | 15.2338% | 105 |
| Cash dividends to net income (ytd only)* | 23.7295% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,184 |
| Loan loss allowance to noncurrent loans | 41.3259% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 4.0607% | 1,565 |
| Noncurrent loans to loans | 4.4415% | 1,582 |
| Net loans and leases to total assets | 89.1155% | 150 |
| Net loans and leases to deposits | 109.8746% | 465 |
| Net loans and leases to core deposits | 129.2784% | 1,478 |
| Total domestic deposits to total assets | 81.1066% | 5,038 |
| Equity capital to assets | 11.5639% | 2,539 |
| Core capital (leverage) ratio | 11.7385% | 1,944 |
| Tier 1 risk-based capital ratio | 12.7635% | 4,342 |
| Total risk-based capital ratio | 14.0205% | 4,282 |
| Memoranda: | ||
| Average total assets | $633,357,000 | 1,110 |
| Average earning assets | $602,171,750 | 1,053 |
| Average equity | $67,780,250 | 983 |
| Average total loans | $578,930,000 | 839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6922% | 548 |
| Cost of funding earning assets | 2.8051% | 779 |
| Net interest margin | 3.8871% | 3,169 |
| Noninterest income to average assets | 0.1578% | 7,148 |
| Noninterest expense to average assets | 1.3521% | 8,034 |
| Loan and lease loss provision to assets | 0.5590% | 2,787 |
| Net operating income to assets | 1.2758% | 1,287 |
| Return on assets (ROA) | 1.0292% | 2,088 |
| Pretax return on assets | 1.5783% | 1,260 |
| Return on Equity (ROE) | 9.8950% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.2097% | 1,924 |
| Net charge-offs to loans | 0.0045% | 6,546 |
| Credit loss provision to net charge-offs | 13,461.5385% | 34 |
| Earnings coverage of net charge-offs (x) | 606.0769% | 50 |
| Efficiency ratio | 34.9488% | 8,075 |
| Assets per employee ($millions) | 13.3235% | 130 |
| Cash dividends to net income (ytd only)* | 37.2439% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 2,709 |
| Loan loss allowance to noncurrent loans | 59.1998% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.5619% | 2,520 |
| Noncurrent loans to loans | 2.7136% | 2,654 |
| Net loans and leases to total assets | 91.1179% | 86 |
| Net loans and leases to deposits | 110.9927% | 519 |
| Net loans and leases to core deposits | 131.0734% | 1,485 |
| Total domestic deposits to total assets | 82.0936% | 4,649 |
| Equity capital to assets | 11.1227% | 2,818 |
| Core capital (leverage) ratio | 11.6328% | 2,019 |
| Tier 1 risk-based capital ratio | 12.4969% | 4,525 |
| Total risk-based capital ratio | 13.7513% | 4,443 |
| Memoranda: | ||
| Average total assets | $626,125,000 | 1,139 |
| Average earning assets | $597,770,670 | 1,077 |
| Average equity | $65,123,670 | 1,040 |
| Average total loans | $573,683,670 | 870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6277% | 669 |
| Cost of funding earning assets | 3.0120% | 586 |
| Net interest margin | 3.6157% | 4,253 |
| Noninterest income to average assets | 0.2008% | 6,852 |
| Noninterest expense to average assets | 1.3658% | 8,049 |
| Loan and lease loss provision to assets | 0.4972% | 2,486 |
| Net operating income to assets | 1.1456% | 1,822 |
| Return on assets (ROA) | 1.1456% | 1,945 |
| Pretax return on assets | 1.7875% | 1,002 |
| Return on Equity (ROE) | 11.4232% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.2718% | 2,511 |
| Net charge-offs to loans | 0.0028% | 5,694 |
| Credit loss provision to net charge-offs | 19,250.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 884.5000% | 17 |
| Efficiency ratio | 37.4138% | 8,092 |
| Assets per employee ($millions) | 13.8535% | 124 |
| Cash dividends to net income (ytd only)* | 45.0958% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,140 |
| Loan loss allowance to noncurrent loans | 66.7474% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.0202% | 2,869 |
| Noncurrent loans to loans | 2.2024% | 2,969 |
| Net loans and leases to total assets | 89.8544% | 144 |
| Net loans and leases to deposits | 110.3523% | 595 |
| Net loans and leases to core deposits | 131.7864% | 1,549 |
| Total domestic deposits to total assets | 81.4251% | 4,781 |
| Equity capital to assets | 11.1129% | 2,879 |
| Core capital (leverage) ratio | 11.4319% | 2,188 |
| Tier 1 risk-based capital ratio | 12.3944% | 4,622 |
| Total risk-based capital ratio | 13.6467% | 4,541 |
| Memoranda: | ||
| Average total assets | $619,422,500 | 1,147 |
| Average earning assets | $590,975,000 | 1,098 |
| Average equity | $62,119,000 | 1,101 |
| Average total loans | $564,405,500 | 889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2445% | 666 |
| Cost of funding earning assets | 3.6442% | 325 |
| Net interest margin | 3.6003% | 4,883 |
| Noninterest income to average assets | 0.1917% | 7,086 |
| Noninterest expense to average assets | 1.2867% | 8,123 |
| Loan and lease loss provision to assets | 0.3873% | 3,370 |
| Net operating income to assets | 1.2774% | 1,551 |
| Return on assets (ROA) | 0.9993% | 2,442 |
| Pretax return on assets | 1.5339% | 1,583 |
| Return on Equity (ROE) | 10.4516% | 2,102 |
| Retained earnings to average equity (ytd only) | 8.4882% | 709 |
| Net charge-offs to loans | -0.0017% | 7,737 |
| Credit loss provision to net charge-offs | -25,787.5000% | 7,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3901% | 8,201 |
| Assets per employee ($millions) | 12.7996% | 140 |
| Cash dividends to net income (ytd only)* | 18.7864% | 4,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 3,087 |
| Loan loss allowance to noncurrent loans | 94.6107% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 3,200 |
| Noncurrent loans to loans | 1.5009% | 3,546 |
| Net loans and leases to total assets | 89.7437% | 215 |
| Net loans and leases to deposits | 108.9975% | 901 |
| Net loans and leases to core deposits | 127.4189% | 2,047 |
| Total domestic deposits to total assets | 82.3356% | 4,068 |
| Equity capital to assets | 8.8799% | 5,528 |
| Core capital (leverage) ratio | 9.4627% | 4,065 |
| Tier 1 risk-based capital ratio | 9.8748% | 6,877 |
| Total risk-based capital ratio | 11.1245% | 6,763 |
| Memoranda: | ||
| Average total assets | $532,685,600 | 1,274 |
| Average earning assets | $509,575,200 | 1,210 |
| Average equity | $50,929,800 | 1,326 |
| Average total loans | $473,126,200 | 1,023 |