Home > Progressive Bank > Performance and Condition Ratios
Progressive Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 3,089 |
| Cost of funding earning assets | 1.8430% | 1,177 |
| Net interest margin | 2.6617% | 3,879 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.8280% | 1,437 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.1993% | 4,168 |
| Return on assets (ROA) | 0.1993% | 4,176 |
| Pretax return on assets | 0.2478% | 4,143 |
| Return on Equity (ROE) | 2.4400% | 4,104 |
| Retained earnings to average equity (ytd only) | -1.2624% | 4,211 |
| Net charge-offs to loans | 0.0143% | 2,117 |
| Credit loss provision to net charge-offs | -165.7895% | 4,495 |
| Earnings coverage of net charge-offs (x) | 23.4211% | 1,791 |
| Efficiency ratio | 92.4538% | 355 |
| Assets per employee ($millions) | 6.7131% | 2,262 |
| Cash dividends to net income (ytd only)* | 151.7241% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 2,846 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.0200% | 2,363 |
| Net loans and leases to deposits | 77.6651% | 2,301 |
| Net loans and leases to core deposits | 81.6257% | 2,612 |
| Total domestic deposits to total assets | 83.7200% | 2,697 |
| Equity capital to assets | 7.9569% | 3,450 |
| Core capital (leverage) ratio | 9.1190% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9005% | 1,898 |
| Memoranda: | ||
| Average total assets | $771,132,200 | 1,214 |
| Average earning assets | $716,163,400 | 1,207 |
| Average equity | $62,975,200 | 1,344 |
| Average total loans | $530,283,600 | 1,179 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 3,057 |
| Cost of funding earning assets | 1.6323% | 1,313 |
| Net interest margin | 2.7914% | 3,735 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.8437% | 1,332 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.2810% | 4,137 |
| Return on assets (ROA) | 0.2810% | 4,142 |
| Pretax return on assets | 0.3509% | 4,116 |
| Return on Equity (ROE) | 3.4200% | 4,058 |
| Retained earnings to average equity (ytd only) | -1.5418% | 4,294 |
| Net charge-offs to loans | 0.0053% | 2,271 |
| Credit loss provision to net charge-offs | -576.1905% | 4,581 |
| Earnings coverage of net charge-offs (x) | 90.4286% | 972 |
| Efficiency ratio | 89.5441% | 391 |
| Assets per employee ($millions) | 6.1014% | 2,652 |
| Cash dividends to net income (ytd only)* | 145.1151% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,111 |
| Loan loss allowance to noncurrent loans | 87,811.1111% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,848 |
| Noncurrent loans to loans | 0.0017% | 3,813 |
| Net loans and leases to total assets | 67.4300% | 2,116 |
| Net loans and leases to deposits | 77.4836% | 2,289 |
| Net loans and leases to core deposits | 81.7168% | 2,488 |
| Total domestic deposits to total assets | 87.0200% | 1,889 |
| Equity capital to assets | 8.0424% | 3,027 |
| Core capital (leverage) ratio | 9.2746% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9452% | 1,916 |
| Memoranda: | ||
| Average total assets | $762,521,000 | 1,222 |
| Average earning assets | $708,108,250 | 1,216 |
| Average equity | $62,694,250 | 1,343 |
| Average total loans | $529,943,000 | 1,176 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 3,145 |
| Cost of funding earning assets | 1.2648% | 1,810 |
| Net interest margin | 3.0092% | 3,408 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.8957% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3853% | 4,029 |
| Return on assets (ROA) | 0.3853% | 4,041 |
| Pretax return on assets | 0.4831% | 3,995 |
| Return on Equity (ROE) | 4.6500% | 3,936 |
| Retained earnings to average equity (ytd only) | -1.6957% | 4,269 |
| Net charge-offs to loans | 0.0177% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 39.0851% | 1,412 |
| Efficiency ratio | 85.7009% | 510 |
| Assets per employee ($millions) | 6.0596% | 2,666 |
| Cash dividends to net income (ytd only)* | 136.4505% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,181 |
| Loan loss allowance to noncurrent loans | 88,866.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,751 |
| Noncurrent loans to loans | 0.0017% | 3,829 |
| Net loans and leases to total assets | 69.9200% | 1,751 |
| Net loans and leases to deposits | 81.8328% | 1,840 |
| Net loans and leases to core deposits | 84.5108% | 2,180 |
| Total domestic deposits to total assets | 85.4500% | 2,410 |
| Equity capital to assets | 8.3406% | 2,994 |
| Core capital (leverage) ratio | 9.4416% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7657% | 2,001 |
| Memoranda: | ||
| Average total assets | $760,437,333 | 1,224 |
| Average earning assets | $706,046,333 | 1,219 |
| Average equity | $62,983,000 | 1,337 |
| Average total loans | $531,174,333 | 1,167 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 3,187 |
| Cost of funding earning assets | 0.8008% | 2,734 |
| Net interest margin | 3.3284% | 2,804 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.9345% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5778% | 3,734 |
| Return on assets (ROA) | 0.5778% | 3,699 |
| Pretax return on assets | 0.7268% | 3,609 |
| Return on Equity (ROE) | 7.0000% | 3,519 |
| Retained earnings to average equity (ytd only) | 0.6652% | 3,916 |
| Net charge-offs to loans | 0.0174% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 60.4348% | 1,012 |
| Efficiency ratio | 80.1485% | 822 |
| Assets per employee ($millions) | 5.8995% | 2,846 |
| Cash dividends to net income (ytd only)* | 90.4977% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,202 |
| Loan loss allowance to noncurrent loans | 89,133.3333% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,738 |
| Noncurrent loans to loans | 0.0017% | 3,859 |
| Net loans and leases to total assets | 68.4100% | 1,793 |
| Net loans and leases to deposits | 78.1821% | 1,951 |
| Net loans and leases to core deposits | 80.6033% | 2,208 |
| Total domestic deposits to total assets | 87.5100% | 2,084 |
| Equity capital to assets | 8.3866% | 2,981 |
| Core capital (leverage) ratio | 9.5408% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8759% | 2,013 |
| Memoranda: | ||
| Average total assets | $764,963,000 | 1,233 |
| Average earning assets | $710,249,000 | 1,224 |
| Average equity | $63,139,500 | 1,345 |
| Average total loans | $530,069,000 | 1,177 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 2,725 |
| Cost of funding earning assets | 0.3025% | 2,854 |
| Net interest margin | 3.3219% | 2,505 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.8597% | 1,196 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.8852% | 3,023 |
| Return on assets (ROA) | 0.8852% | 2,964 |
| Pretax return on assets | 0.9808% | 3,128 |
| Return on Equity (ROE) | 10.9600% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.4370% | 1,662 |
| Net charge-offs to loans | -0.2954% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.9357% | 926 |
| Assets per employee ($millions) | 5.9604% | 2,801 |
| Cash dividends to net income (ytd only)* | 23.0057% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 1,149 |
| Loan loss allowance to noncurrent loans | 80,730.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,745 |
| Noncurrent loans to loans | 0.0019% | 3,878 |
| Net loans and leases to total assets | 68.0700% | 1,821 |
| Net loans and leases to deposits | 75.3327% | 2,146 |
| Net loans and leases to core deposits | 77.1694% | 2,334 |
| Total domestic deposits to total assets | 90.3600% | 1,218 |
| Equity capital to assets | 8.1226% | 2,979 |
| Core capital (leverage) ratio | 9.3989% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7426% | 2,075 |
| Memoranda: | ||
| Average total assets | $768,935,400 | 1,221 |
| Average earning assets | $716,991,400 | 1,206 |
| Average equity | $62,119,600 | 1,364 |
| Average total loans | $521,296,200 | 1,142 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 2,763 |
| Cost of funding earning assets | 0.1796% | 3,522 |
| Net interest margin | 3.2738% | 2,378 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.8383% | 1,175 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 0.7943% | 3,285 |
| Return on assets (ROA) | 0.7943% | 3,238 |
| Pretax return on assets | 1.0010% | 3,011 |
| Return on Equity (ROE) | 9.8500% | 2,776 |
| Retained earnings to average equity (ytd only) | 6.4799% | 2,557 |
| Net charge-offs to loans | -0.4215% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.2414% | 975 |
| Assets per employee ($millions) | 5.7664% | 2,972 |
| Cash dividends to net income (ytd only)* | 34.1847% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,171 |
| Loan loss allowance to noncurrent loans | 19,936.5854% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,763 |
| Noncurrent loans to loans | 0.0078% | 3,894 |
| Net loans and leases to total assets | 69.3100% | 1,540 |
| Net loans and leases to deposits | 76.7106% | 1,818 |
| Net loans and leases to core deposits | 78.8448% | 1,984 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 7.9532% | 2,924 |
| Core capital (leverage) ratio | 9.1476% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3917% | 2,319 |
| Memoranda: | ||
| Average total assets | $768,945,750 | 1,225 |
| Average earning assets | $717,930,500 | 1,212 |
| Average equity | $62,036,000 | 1,378 |
| Average total loans | $518,753,500 | 1,144 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 2,760 |
| Cost of funding earning assets | 0.1248% | 3,911 |
| Net interest margin | 3.1692% | 2,291 |
| Noninterest income to average assets | 0.6131% | 1,682 |
| Noninterest expense to average assets | 2.7953% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6185% | 3,575 |
| Return on assets (ROA) | 0.6185% | 3,525 |
| Pretax return on assets | 0.7787% | 3,378 |
| Return on Equity (ROE) | 7.6319% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.7676% | 2,793 |
| Net charge-offs to loans | -0.0861% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2116% | 1,072 |
| Assets per employee ($millions) | 5.6881% | 3,037 |
| Cash dividends to net income (ytd only)* | 37.5313% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,504 |
| Loan loss allowance to noncurrent loans | 1,861.1111% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,537 |
| Noncurrent loans to loans | 0.0787% | 3,389 |
| Net loans and leases to total assets | 67.5104% | 1,522 |
| Net loans and leases to deposits | 74.7453% | 1,782 |
| Net loans and leases to core deposits | 76.9189% | 1,930 |
| Total domestic deposits to total assets | 90.3206% | 1,568 |
| Equity capital to assets | 7.9278% | 3,177 |
| Core capital (leverage) ratio | 8.7847% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0580% | 2,474 |
| Memoranda: | ||
| Average total assets | $775,381,667 | 1,218 |
| Average earning assets | $724,401,000 | 1,216 |
| Average equity | $62,841,333 | 1,392 |
| Average total loans | $515,761,000 | 1,141 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 2,731 |
| Cost of funding earning assets | 0.1206% | 3,892 |
| Net interest margin | 3.0647% | 2,281 |
| Noninterest income to average assets | 0.5950% | 1,710 |
| Noninterest expense to average assets | 2.7574% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5627% | 3,513 |
| Return on assets (ROA) | 0.5627% | 3,490 |
| Pretax return on assets | 0.7085% | 3,369 |
| Return on Equity (ROE) | 6.8689% | 3,080 |
| Retained earnings to average equity (ytd only) | 1.2284% | 3,766 |
| Net charge-offs to loans | -0.1747% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5586% | 1,182 |
| Assets per employee ($millions) | 6.1750% | 2,647 |
| Cash dividends to net income (ytd only)* | 82.1168% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,545 |
| Loan loss allowance to noncurrent loans | 1,465.3992% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,552 |
| Noncurrent loans to loans | 0.1024% | 3,328 |
| Net loans and leases to total assets | 64.5075% | 1,552 |
| Net loans and leases to deposits | 71.4071% | 1,829 |
| Net loans and leases to core deposits | 74.0716% | 1,933 |
| Total domestic deposits to total assets | 90.3377% | 1,363 |
| Equity capital to assets | 7.9113% | 3,636 |
| Core capital (leverage) ratio | 8.5804% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1605% | 2,548 |
| Memoranda: | ||
| Average total assets | $779,126,500 | 1,217 |
| Average earning assets | $729,864,500 | 1,215 |
| Average equity | $63,823,500 | 1,417 |
| Average total loans | $510,585,500 | 1,143 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 2,123 |
| Cost of funding earning assets | 0.1488% | 3,991 |
| Net interest margin | 3.5484% | 1,606 |
| Noninterest income to average assets | 0.6560% | 1,922 |
| Noninterest expense to average assets | 2.8773% | 1,200 |
| Loan and lease loss provision to assets | 0.0080% | 2,923 |
| Net operating income to assets | 0.8601% | 3,157 |
| Return on assets (ROA) | 0.8601% | 3,223 |
| Pretax return on assets | 1.0847% | 3,019 |
| Return on Equity (ROE) | 9.9092% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.3117% | 2,668 |
| Net charge-offs to loans | -0.0181% | 3,941 |
| Credit loss provision to net charge-offs | -62.5000% | 3,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4763% | 1,458 |
| Assets per employee ($millions) | 5.8198% | 2,932 |
| Cash dividends to net income (ytd only)* | 46.3965% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,103.8348% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 2,557 |
| Noncurrent loans to loans | 0.1336% | 3,263 |
| Net loans and leases to total assets | 64.6094% | 1,637 |
| Net loans and leases to deposits | 72.5480% | 1,862 |
| Net loans and leases to core deposits | 75.3108% | 1,973 |
| Total domestic deposits to total assets | 89.0574% | 1,483 |
| Equity capital to assets | 8.4758% | 4,063 |
| Core capital (leverage) ratio | 8.7164% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4184% | 2,487 |
| Memoranda: | ||
| Average total assets | $751,812,000 | 1,216 |
| Average earning assets | $702,146,800 | 1,220 |
| Average equity | $65,252,200 | 1,420 |
| Average total loans | $529,060,400 | 1,113 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 2,241 |
| Cost of funding earning assets | 0.1553% | 4,062 |
| Net interest margin | 3.5578% | 1,702 |
| Noninterest income to average assets | 0.6343% | 2,076 |
| Noninterest expense to average assets | 2.8924% | 1,139 |
| Loan and lease loss provision to assets | 0.0107% | 2,777 |
| Net operating income to assets | 0.8333% | 3,437 |
| Return on assets (ROA) | 0.8333% | 3,497 |
| Pretax return on assets | 1.0502% | 3,321 |
| Return on Equity (ROE) | 9.5429% | 2,909 |
| Retained earnings to average equity (ytd only) | 7.0876% | 2,384 |
| Net charge-offs to loans | -0.0155% | 3,857 |
| Credit loss provision to net charge-offs | -96.7742% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1640% | 1,291 |
| Assets per employee ($millions) | 5.6001% | 3,100 |
| Cash dividends to net income (ytd only)* | 25.7290% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,854 |
| Loan loss allowance to noncurrent loans | 807.0423% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,586 |
| Noncurrent loans to loans | 0.1783% | 3,239 |
| Net loans and leases to total assets | 66.9870% | 1,432 |
| Net loans and leases to deposits | 76.8116% | 1,593 |
| Net loans and leases to core deposits | 79.3556% | 1,792 |
| Total domestic deposits to total assets | 87.2094% | 2,264 |
| Equity capital to assets | 8.7365% | 4,043 |
| Core capital (leverage) ratio | 9.1186% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2528% | 2,629 |
| Memoranda: | ||
| Average total assets | $746,257,500 | 1,244 |
| Average earning assets | $696,185,500 | 1,238 |
| Average equity | $65,164,000 | 1,439 |
| Average total loans | $534,430,500 | 1,131 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 2,271 |
| Cost of funding earning assets | 0.1635% | 4,101 |
| Net interest margin | 3.5606% | 1,685 |
| Noninterest income to average assets | 0.6220% | 2,120 |
| Noninterest expense to average assets | 2.9034% | 1,139 |
| Loan and lease loss provision to assets | 0.0162% | 2,630 |
| Net operating income to assets | 0.8150% | 3,466 |
| Return on assets (ROA) | 0.8150% | 3,540 |
| Pretax return on assets | 1.0222% | 3,394 |
| Return on Equity (ROE) | 9.3345% | 3,003 |
| Retained earnings to average equity (ytd only) | 9.3345% | 1,610 |
| Net charge-offs to loans | -0.0378% | 4,249 |
| Credit loss provision to net charge-offs | -58.8235% | 2,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6565% | 1,271 |
| Assets per employee ($millions) | 5.4748% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,921 |
| Loan loss allowance to noncurrent loans | 664.0071% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 2,558 |
| Noncurrent loans to loans | 0.2126% | 3,198 |
| Net loans and leases to total assets | 70.7575% | 1,118 |
| Net loans and leases to deposits | 83.8502% | 1,076 |
| Net loans and leases to core deposits | 86.9745% | 1,349 |
| Total domestic deposits to total assets | 84.3857% | 3,320 |
| Equity capital to assets | 8.9400% | 3,843 |
| Core capital (leverage) ratio | 9.3218% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0747% | 2,693 |
| Memoranda: | ||
| Average total assets | $741,140,333 | 1,239 |
| Average earning assets | $690,998,667 | 1,238 |
| Average equity | $64,706,000 | 1,437 |
| Average total loans | $540,031,333 | 1,122 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 2,219 |
| Cost of funding earning assets | 0.1744% | 4,126 |
| Net interest margin | 3.5841% | 1,630 |
| Noninterest income to average assets | 0.5988% | 2,218 |
| Noninterest expense to average assets | 2.8668% | 1,218 |
| Loan and lease loss provision to assets | 0.0323% | 2,344 |
| Net operating income to assets | 0.8327% | 3,322 |
| Return on assets (ROA) | 0.8327% | 3,402 |
| Pretax return on assets | 1.0445% | 3,242 |
| Return on Equity (ROE) | 9.6531% | 2,803 |
| Retained earnings to average equity (ytd only) | 9.6531% | 1,751 |
| Net charge-offs to loans | -0.0910% | 4,606 |
| Credit loss provision to net charge-offs | -48.3871% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6937% | 1,435 |
| Assets per employee ($millions) | 5.5895% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 2,039 |
| Loan loss allowance to noncurrent loans | 853.6364% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,921 |
| Noncurrent loans to loans | 0.1618% | 3,526 |
| Net loans and leases to total assets | 71.0630% | 1,145 |
| Net loans and leases to deposits | 86.6082% | 917 |
| Net loans and leases to core deposits | 90.0627% | 1,227 |
| Total domestic deposits to total assets | 82.0511% | 3,882 |
| Equity capital to assets | 8.5657% | 4,070 |
| Core capital (leverage) ratio | 9.4171% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7223% | 2,760 |
| Memoranda: | ||
| Average total assets | $742,159,000 | 1,228 |
| Average earning assets | $692,623,500 | 1,227 |
| Average equity | $64,021,000 | 1,439 |
| Average total loans | $544,816,500 | 1,118 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,288 |
| Cost of funding earning assets | 0.4427% | 3,329 |
| Net interest margin | 3.7043% | 1,784 |
| Noninterest income to average assets | 0.6413% | 2,061 |
| Noninterest expense to average assets | 3.0915% | 1,250 |
| Loan and lease loss provision to assets | 0.5849% | 355 |
| Net operating income to assets | 0.3198% | 4,402 |
| Return on assets (ROA) | 0.3198% | 4,467 |
| Pretax return on assets | 0.3933% | 4,433 |
| Return on Equity (ROE) | 3.4735% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.4735% | 3,095 |
| Net charge-offs to loans | 0.3376% | 521 |
| Credit loss provision to net charge-offs | 229.9652% | 2,019 |
| Earnings coverage of net charge-offs (x) | 3.8461% | 3,049 |
| Efficiency ratio | 75.9644% | 1,231 |
| Assets per employee ($millions) | 5.4418% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,224 |
| Loan loss allowance to noncurrent loans | 770.5573% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 2,995 |
| Noncurrent loans to loans | 0.1742% | 3,588 |
| Net loans and leases to total assets | 73.8576% | 1,043 |
| Net loans and leases to deposits | 91.5649% | 810 |
| Net loans and leases to core deposits | 95.7044% | 1,139 |
| Total domestic deposits to total assets | 80.6615% | 3,931 |
| Equity capital to assets | 8.6954% | 4,292 |
| Core capital (leverage) ratio | 9.2913% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5313% | 2,796 |
| Memoranda: | ||
| Average total assets | $677,090,200 | 1,208 |
| Average earning assets | $626,644,200 | 1,218 |
| Average equity | $62,328,200 | 1,405 |
| Average total loans | $510,087,400 | 1,118 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 2,398 |
| Cost of funding earning assets | 0.5232% | 3,092 |
| Net interest margin | 3.6788% | 2,014 |
| Noninterest income to average assets | 0.6433% | 2,008 |
| Noninterest expense to average assets | 3.1340% | 1,178 |
| Loan and lease loss provision to assets | 0.5608% | 477 |
| Net operating income to assets | 0.2819% | 4,470 |
| Return on assets (ROA) | 0.2819% | 4,519 |
| Pretax return on assets | 0.3451% | 4,498 |
| Return on Equity (ROE) | 3.0164% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.0164% | 3,520 |
| Net charge-offs to loans | 0.4526% | 339 |
| Credit loss provision to net charge-offs | 164.1975% | 2,249 |
| Earnings coverage of net charge-offs (x) | 2.6526% | 2,974 |
| Efficiency ratio | 77.5757% | 1,080 |
| Assets per employee ($millions) | 5.5075% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,118 |
| Loan loss allowance to noncurrent loans | 375.4098% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,247 |
| Noncurrent loans to loans | 0.2975% | 3,211 |
| Net loans and leases to total assets | 74.7398% | 1,280 |
| Net loans and leases to deposits | 93.8313% | 937 |
| Net loans and leases to core deposits | 99.0507% | 1,239 |
| Total domestic deposits to total assets | 79.6534% | 3,937 |
| Equity capital to assets | 8.5659% | 4,430 |
| Core capital (leverage) ratio | 9.2855% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2136% | 2,862 |
| Memoranda: | ||
| Average total assets | $664,063,250 | 1,213 |
| Average earning assets | $613,115,250 | 1,222 |
| Average equity | $62,058,500 | 1,399 |
| Average total loans | $501,135,250 | 1,122 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 2,328 |
| Cost of funding earning assets | 0.6414% | 2,750 |
| Net interest margin | 3.7131% | 2,117 |
| Noninterest income to average assets | 0.6587% | 1,901 |
| Noninterest expense to average assets | 3.2352% | 1,100 |
| Loan and lease loss provision to assets | 0.3955% | 1,028 |
| Net operating income to assets | 0.3577% | 4,317 |
| Return on assets (ROA) | 0.3577% | 4,371 |
| Pretax return on assets | 0.4407% | 4,350 |
| Return on Equity (ROE) | 3.7102% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.7102% | 3,059 |
| Net charge-offs to loans | -0.0376% | 4,606 |
| Credit loss provision to net charge-offs | -1,393.4066% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4622% | 926 |
| Assets per employee ($millions) | 5.5285% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,549 |
| Loan loss allowance to noncurrent loans | 588.9498% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 3,703 |
| Noncurrent loans to loans | 0.2028% | 3,658 |
| Net loans and leases to total assets | 72.5526% | 1,613 |
| Net loans and leases to deposits | 89.6146% | 1,389 |
| Net loans and leases to core deposits | 96.6529% | 1,526 |
| Total domestic deposits to total assets | 80.9607% | 3,618 |
| Equity capital to assets | 8.5111% | 4,470 |
| Core capital (leverage) ratio | 9.4250% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4427% | 2,840 |
| Memoranda: | ||
| Average total assets | $641,252,667 | 1,230 |
| Average earning assets | $589,378,000 | 1,237 |
| Average equity | $61,829,667 | 1,391 |
| Average total loans | $483,631,000 | 1,143 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 2,024 |
| Cost of funding earning assets | 0.8576% | 2,073 |
| Net interest margin | 3.7329% | 2,207 |
| Noninterest income to average assets | 0.7203% | 1,565 |
| Noninterest expense to average assets | 3.4377% | 1,021 |
| Loan and lease loss provision to assets | 0.1286% | 2,107 |
| Net operating income to assets | 0.4470% | 4,028 |
| Return on assets (ROA) | 0.4470% | 4,077 |
| Pretax return on assets | 0.5526% | 4,027 |
| Return on Equity (ROE) | 4.3219% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.3219% | 2,563 |
| Net charge-offs to loans | -0.0667% | 4,719 |
| Credit loss provision to net charge-offs | -251.3158% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4613% | 867 |
| Assets per employee ($millions) | 4.5010% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,906 |
| Loan loss allowance to noncurrent loans | 576.1290% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,799 |
| Noncurrent loans to loans | 0.2006% | 3,760 |
| Net loans and leases to total assets | 75.9827% | 1,309 |
| Net loans and leases to deposits | 86.4493% | 1,938 |
| Net loans and leases to core deposits | 93.9647% | 1,981 |
| Total domestic deposits to total assets | 87.8929% | 1,150 |
| Equity capital to assets | 10.2823% | 3,531 |
| Core capital (leverage) ratio | 10.2771% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0758% | 3,076 |
| Memoranda: | ||
| Average total assets | $594,234,500 | 1,271 |
| Average earning assets | $541,023,500 | 1,285 |
| Average equity | $61,454,000 | 1,395 |
| Average total loans | $455,486,500 | 1,174 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 2,017 |
| Cost of funding earning assets | 0.9191% | 2,119 |
| Net interest margin | 3.8904% | 2,214 |
| Noninterest income to average assets | 0.6837% | 1,872 |
| Noninterest expense to average assets | 3.3740% | 1,161 |
| Loan and lease loss provision to assets | 0.0734% | 2,529 |
| Net operating income to assets | 0.6534% | 4,005 |
| Return on assets (ROA) | 0.6534% | 4,079 |
| Pretax return on assets | 0.8121% | 3,949 |
| Return on Equity (ROE) | 6.0963% | 3,888 |
| Retained earnings to average equity (ytd only) | -1.3493% | 4,831 |
| Net charge-offs to loans | 0.0507% | 2,390 |
| Credit loss provision to net charge-offs | 186.2832% | 1,418 |
| Earnings coverage of net charge-offs (x) | 22.4867% | 1,848 |
| Efficiency ratio | 79.2113% | 1,015 |
| Assets per employee ($millions) | 4.5375% | 3,170 |
| Cash dividends to net income (ytd only)* | 122.1333% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,758 |
| Loan loss allowance to noncurrent loans | 641.8663% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,851 |
| Noncurrent loans to loans | 0.1773% | 3,823 |
| Net loans and leases to total assets | 75.5546% | 1,492 |
| Net loans and leases to deposits | 88.6565% | 1,750 |
| Net loans and leases to core deposits | 96.6817% | 1,838 |
| Total domestic deposits to total assets | 85.2217% | 2,411 |
| Equity capital to assets | 10.3821% | 3,561 |
| Core capital (leverage) ratio | 10.4767% | 2,976 |
| Tier 1 risk-based capital ratio | 12.0130% | 4,358 |
| Total risk-based capital ratio | 13.0225% | 4,361 |
| Memoranda: | ||
| Average total assets | $573,920,600 | 1,267 |
| Average earning assets | $527,499,200 | 1,270 |
| Average equity | $61,513,000 | 1,362 |
| Average total loans | $445,353,600 | 1,168 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,965 |
| Cost of funding earning assets | 0.9115% | 2,178 |
| Net interest margin | 3.9393% | 2,137 |
| Noninterest income to average assets | 0.6747% | 1,890 |
| Noninterest expense to average assets | 3.3067% | 1,254 |
| Loan and lease loss provision to assets | 0.0656% | 2,577 |
| Net operating income to assets | 0.7425% | 3,872 |
| Return on assets (ROA) | 0.7425% | 3,936 |
| Pretax return on assets | 0.9248% | 3,808 |
| Return on Equity (ROE) | 6.8719% | 3,736 |
| Retained earnings to average equity (ytd only) | 1.2966% | 4,492 |
| Net charge-offs to loans | 0.0593% | 1,971 |
| Credit loss provision to net charge-offs | 141.9192% | 1,708 |
| Earnings coverage of net charge-offs (x) | 21.4245% | 1,915 |
| Efficiency ratio | 76.9519% | 1,227 |
| Assets per employee ($millions) | 4.4031% | 3,339 |
| Cash dividends to net income (ytd only)* | 81.1321% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 2,837 |
| Loan loss allowance to noncurrent loans | 2,118.2979% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,391 |
| Noncurrent loans to loans | 0.0537% | 4,401 |
| Net loans and leases to total assets | 75.5687% | 1,551 |
| Net loans and leases to deposits | 87.0218% | 2,059 |
| Net loans and leases to core deposits | 95.9302% | 2,002 |
| Total domestic deposits to total assets | 86.8389% | 1,598 |
| Equity capital to assets | 10.8620% | 3,240 |
| Core capital (leverage) ratio | 10.8667% | 2,776 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,244 |
| Total risk-based capital ratio | 13.3276% | 4,270 |
| Memoranda: | ||
| Average total assets | $571,066,750 | 1,277 |
| Average earning assets | $525,118,250 | 1,283 |
| Average equity | $61,698,750 | 1,356 |
| Average total loans | $444,857,500 | 1,178 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 1,927 |
| Cost of funding earning assets | 0.8874% | 2,211 |
| Net interest margin | 3.9543% | 2,081 |
| Noninterest income to average assets | 0.6810% | 1,793 |
| Noninterest expense to average assets | 3.2694% | 1,345 |
| Loan and lease loss provision to assets | 0.0701% | 2,417 |
| Net operating income to assets | 0.7865% | 3,703 |
| Return on assets (ROA) | 0.7865% | 3,761 |
| Pretax return on assets | 0.9803% | 3,614 |
| Return on Equity (ROE) | 7.2928% | 3,570 |
| Retained earnings to average equity (ytd only) | 1.8329% | 4,166 |
| Net charge-offs to loans | 0.0532% | 1,882 |
| Credit loss provision to net charge-offs | 168.0672% | 1,375 |
| Earnings coverage of net charge-offs (x) | 25.1849% | 1,604 |
| Efficiency ratio | 75.6836% | 1,438 |
| Assets per employee ($millions) | 4.5872% | 3,016 |
| Cash dividends to net income (ytd only)* | 74.8663% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,922 |
| Loan loss allowance to noncurrent loans | 3,827.6923% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,524 |
| Noncurrent loans to loans | 0.0294% | 4,572 |
| Net loans and leases to total assets | 77.3639% | 1,334 |
| Net loans and leases to deposits | 90.5116% | 1,682 |
| Net loans and leases to core deposits | 99.9046% | 1,732 |
| Total domestic deposits to total assets | 85.4740% | 2,276 |
| Equity capital to assets | 11.0190% | 3,024 |
| Core capital (leverage) ratio | 10.8217% | 2,768 |
| Tier 1 risk-based capital ratio | 12.8651% | 3,908 |
| Total risk-based capital ratio | 13.8983% | 3,938 |
| Memoranda: | ||
| Average total assets | $570,623,330 | 1,276 |
| Average earning assets | $525,103,000 | 1,284 |
| Average equity | $61,540,330 | 1,351 |
| Average total loans | $447,299,670 | 1,170 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,051 |
| Cost of funding earning assets | 0.8301% | 2,371 |
| Net interest margin | 3.9216% | 2,125 |
| Noninterest income to average assets | 0.6413% | 1,855 |
| Noninterest expense to average assets | 3.2574% | 1,370 |
| Loan and lease loss provision to assets | 0.0836% | 2,031 |
| Net operating income to assets | 0.7305% | 3,846 |
| Return on assets (ROA) | 0.7305% | 3,892 |
| Pretax return on assets | 0.9097% | 3,733 |
| Return on Equity (ROE) | 6.8469% | 3,735 |
| Retained earnings to average equity (ytd only) | 1.5549% | 4,186 |
| Net charge-offs to loans | 0.0142% | 2,197 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 89.0625% | 716 |
| Efficiency ratio | 76.6317% | 1,434 |
| Assets per employee ($millions) | 4.7500% | 2,850 |
| Cash dividends to net income (ytd only)* | 77.2901% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,084 |
| Loan loss allowance to noncurrent loans | 2,164.0693% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,492 |
| Noncurrent loans to loans | 0.0512% | 4,539 |
| Net loans and leases to total assets | 76.3796% | 1,416 |
| Net loans and leases to deposits | 90.9386% | 1,515 |
| Net loans and leases to core deposits | 98.7578% | 1,726 |
| Total domestic deposits to total assets | 83.9903% | 3,047 |
| Equity capital to assets | 10.5235% | 3,324 |
| Core capital (leverage) ratio | 10.8091% | 2,756 |
| Tier 1 risk-based capital ratio | 12.4449% | 4,207 |
| Total risk-based capital ratio | 13.4542% | 4,220 |
| Memoranda: | ||
| Average total assets | $573,823,500 | 1,275 |
| Average earning assets | $528,158,500 | 1,280 |
| Average equity | $61,224,500 | 1,347 |
| Average total loans | $450,209,000 | 1,172 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 2,047 |
| Cost of funding earning assets | 0.6181% | 2,598 |
| Net interest margin | 4.0149% | 1,939 |
| Noninterest income to average assets | 0.7322% | 1,722 |
| Noninterest expense to average assets | 3.3711% | 1,198 |
| Loan and lease loss provision to assets | 0.0619% | 2,919 |
| Net operating income to assets | 0.8048% | 3,791 |
| Return on assets (ROA) | 0.8048% | 3,791 |
| Pretax return on assets | 1.0027% | 3,592 |
| Return on Equity (ROE) | 7.4940% | 3,662 |
| Retained earnings to average equity (ytd only) | 2.1150% | 4,311 |
| Net charge-offs to loans | 0.0813% | 1,977 |
| Credit loss provision to net charge-offs | 97.1989% | 2,605 |
| Earnings coverage of net charge-offs (x) | 16.7255% | 2,231 |
| Efficiency ratio | 75.9998% | 1,368 |
| Assets per employee ($millions) | 4.4006% | 3,306 |
| Cash dividends to net income (ytd only)* | 71.7767% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,173 |
| Loan loss allowance to noncurrent loans | 941.5385% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,217 |
| Noncurrent loans to loans | 0.1158% | 4,205 |
| Net loans and leases to total assets | 78.8734% | 1,123 |
| Net loans and leases to deposits | 94.1137% | 1,263 |
| Net loans and leases to core deposits | 100.6267% | 1,673 |
| Total domestic deposits to total assets | 83.8065% | 3,058 |
| Equity capital to assets | 10.7980% | 2,888 |
| Core capital (leverage) ratio | 10.6167% | 2,912 |
| Tier 1 risk-based capital ratio | 12.3187% | 4,227 |
| Total risk-based capital ratio | 13.3033% | 4,274 |
| Memoranda: | ||
| Average total assets | $560,879,200 | 1,267 |
| Average earning assets | $517,377,800 | 1,271 |
| Average equity | $60,235,000 | 1,317 |
| Average total loans | $439,195,800 | 1,165 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 2,170 |
| Cost of funding earning assets | 0.5656% | 2,734 |
| Net interest margin | 3.9695% | 2,054 |
| Noninterest income to average assets | 0.7180% | 1,794 |
| Noninterest expense to average assets | 3.3197% | 1,263 |
| Loan and lease loss provision to assets | 0.0583% | 2,807 |
| Net operating income to assets | 0.8051% | 3,882 |
| Return on assets (ROA) | 0.8051% | 3,890 |
| Pretax return on assets | 1.0028% | 3,715 |
| Return on Equity (ROE) | 7.5066% | 3,747 |
| Retained earnings to average equity (ytd only) | 2.1146% | 4,536 |
| Net charge-offs to loans | 0.0382% | 2,318 |
| Credit loss provision to net charge-offs | 196.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 35.6725% | 1,446 |
| Efficiency ratio | 75.7782% | 1,376 |
| Assets per employee ($millions) | 4.5819% | 3,002 |
| Cash dividends to net income (ytd only)* | 71.8298% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,932 |
| Loan loss allowance to noncurrent loans | 1,207.9327% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 4,263 |
| Noncurrent loans to loans | 0.0948% | 4,463 |
| Net loans and leases to total assets | 75.1144% | 1,792 |
| Net loans and leases to deposits | 87.9244% | 2,163 |
| Net loans and leases to core deposits | 95.9167% | 2,122 |
| Total domestic deposits to total assets | 85.4306% | 2,440 |
| Equity capital to assets | 10.4567% | 3,183 |
| Core capital (leverage) ratio | 10.5519% | 3,034 |
| Tier 1 risk-based capital ratio | 12.6900% | 4,082 |
| Total risk-based capital ratio | 13.7365% | 4,091 |
| Memoranda: | ||
| Average total assets | $560,279,000 | 1,269 |
| Average earning assets | $516,996,250 | 1,278 |
| Average equity | $60,088,000 | 1,319 |
| Average total loans | $436,701,250 | 1,170 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 2,095 |
| Cost of funding earning assets | 0.4917% | 3,069 |
| Net interest margin | 4.0039% | 1,846 |
| Noninterest income to average assets | 0.7479% | 1,658 |
| Noninterest expense to average assets | 3.3069% | 1,305 |
| Loan and lease loss provision to assets | 0.0559% | 2,791 |
| Net operating income to assets | 0.8633% | 3,617 |
| Return on assets (ROA) | 0.8633% | 3,616 |
| Pretax return on assets | 1.0761% | 3,402 |
| Return on Equity (ROE) | 7.9807% | 3,515 |
| Retained earnings to average equity (ytd only) | 2.5802% | 4,225 |
| Net charge-offs to loans | 0.0381% | 2,093 |
| Credit loss provision to net charge-offs | 186.7470% | 1,366 |
| Earnings coverage of net charge-offs (x) | 37.8193% | 1,338 |
| Efficiency ratio | 74.4983% | 1,639 |
| Assets per employee ($millions) | 4.7755% | 2,716 |
| Cash dividends to net income (ytd only)* | 67.6692% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,041 |
| Loan loss allowance to noncurrent loans | 701.9746% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 4,213 |
| Noncurrent loans to loans | 0.1623% | 4,178 |
| Net loans and leases to total assets | 75.9970% | 1,644 |
| Net loans and leases to deposits | 89.8547% | 1,855 |
| Net loans and leases to core deposits | 97.0447% | 1,960 |
| Total domestic deposits to total assets | 84.5776% | 2,844 |
| Equity capital to assets | 10.6022% | 3,027 |
| Core capital (leverage) ratio | 10.6975% | 2,810 |
| Tier 1 risk-based capital ratio | 12.4849% | 4,192 |
| Total risk-based capital ratio | 13.5077% | 4,212 |
| Memoranda: | ||
| Average total assets | $554,600,670 | 1,283 |
| Average earning assets | $511,249,670 | 1,291 |
| Average equity | $59,994,670 | 1,323 |
| Average total loans | $436,044,670 | 1,174 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 2,035 |
| Cost of funding earning assets | 0.4189% | 3,455 |
| Net interest margin | 4.0259% | 1,635 |
| Noninterest income to average assets | 0.7543% | 1,604 |
| Noninterest expense to average assets | 3.2810% | 1,382 |
| Loan and lease loss provision to assets | 0.0657% | 2,458 |
| Net operating income to assets | 0.8982% | 3,295 |
| Return on assets (ROA) | 0.8982% | 3,303 |
| Pretax return on assets | 1.1202% | 3,094 |
| Return on Equity (ROE) | 8.2182% | 3,286 |
| Retained earnings to average equity (ytd only) | 2.8062% | 4,069 |
| Net charge-offs to loans | 0.0202% | 2,093 |
| Credit loss provision to net charge-offs | 409.0909% | 681 |
| Earnings coverage of net charge-offs (x) | 73.8182% | 743 |
| Efficiency ratio | 73.4510% | 1,974 |
| Assets per employee ($millions) | 4.8354% | 2,695 |
| Cash dividends to net income (ytd only)* | 65.8537% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,150 |
| Loan loss allowance to noncurrent loans | 975.0980% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,480 |
| Noncurrent loans to loans | 0.1168% | 4,444 |
| Net loans and leases to total assets | 75.6322% | 1,598 |
| Net loans and leases to deposits | 90.7556% | 1,595 |
| Net loans and leases to core deposits | 100.3733% | 1,659 |
| Total domestic deposits to total assets | 83.3361% | 3,567 |
| Equity capital to assets | 10.5108% | 3,066 |
| Core capital (leverage) ratio | 11.0974% | 2,333 |
| Tier 1 risk-based capital ratio | 12.6891% | 4,120 |
| Total risk-based capital ratio | 13.7339% | 4,155 |
| Memoranda: | ||
| Average total assets | $547,761,500 | 1,309 |
| Average earning assets | $505,130,500 | 1,317 |
| Average equity | $59,867,000 | 1,332 |
| Average total loans | $435,641,000 | 1,180 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 1,536 |
| Cost of funding earning assets | 0.3106% | 4,034 |
| Net interest margin | 4.2503% | 1,081 |
| Noninterest income to average assets | 0.7753% | 1,664 |
| Noninterest expense to average assets | 3.3030% | 1,375 |
| Loan and lease loss provision to assets | 0.0274% | 3,738 |
| Net operating income to assets | 0.7705% | 3,301 |
| Return on assets (ROA) | 0.7705% | 3,340 |
| Pretax return on assets | 1.3544% | 2,153 |
| Return on Equity (ROE) | 6.8894% | 3,334 |
| Retained earnings to average equity (ytd only) | 1.5768% | 4,365 |
| Net charge-offs to loans | 0.0518% | 2,763 |
| Credit loss provision to net charge-offs | 64.0000% | 3,176 |
| Earnings coverage of net charge-offs (x) | 32.2489% | 1,471 |
| Efficiency ratio | 70.5041% | 2,469 |
| Assets per employee ($millions) | 4.6011% | 3,028 |
| Cash dividends to net income (ytd only)* | 77.1132% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,196 |
| Loan loss allowance to noncurrent loans | 2,885.2941% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 4,765 |
| Noncurrent loans to loans | 0.0391% | 4,835 |
| Net loans and leases to total assets | 81.9530% | 689 |
| Net loans and leases to deposits | 98.5382% | 859 |
| Net loans and leases to core deposits | 108.1703% | 1,116 |
| Total domestic deposits to total assets | 83.1688% | 3,507 |
| Equity capital to assets | 11.2223% | 2,411 |
| Core capital (leverage) ratio | 10.9519% | 2,383 |
| Tier 1 risk-based capital ratio | 12.3217% | 4,312 |
| Total risk-based capital ratio | 13.3446% | 4,359 |
| Memoranda: | ||
| Average total assets | $525,100,000 | 1,340 |
| Average earning assets | $483,001,200 | 1,352 |
| Average equity | $58,727,800 | 1,335 |
| Average total loans | $434,412,600 | 1,156 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,576 |
| Cost of funding earning assets | 0.2921% | 4,211 |
| Net interest margin | 4.2318% | 1,077 |
| Noninterest income to average assets | 0.7648% | 1,718 |
| Noninterest expense to average assets | 3.2715% | 1,405 |
| Loan and lease loss provision to assets | 0.0249% | 3,643 |
| Net operating income to assets | 0.9212% | 2,919 |
| Return on assets (ROA) | 0.9212% | 2,979 |
| Pretax return on assets | 1.3591% | 2,245 |
| Return on Equity (ROE) | 8.2437% | 2,997 |
| Retained earnings to average equity (ytd only) | 2.9281% | 4,163 |
| Net charge-offs to loans | 0.0298% | 2,832 |
| Credit loss provision to net charge-offs | 101.0309% | 2,254 |
| Earnings coverage of net charge-offs (x) | 56.2062% | 1,039 |
| Efficiency ratio | 70.2726% | 2,496 |
| Assets per employee ($millions) | 4.5403% | 3,070 |
| Cash dividends to net income (ytd only)* | 64.4805% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,317 |
| Loan loss allowance to noncurrent loans | 55,411.1111% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 5,031 |
| Noncurrent loans to loans | 0.0020% | 5,154 |
| Net loans and leases to total assets | 81.5009% | 768 |
| Net loans and leases to deposits | 99.2028% | 802 |
| Net loans and leases to core deposits | 108.7362% | 1,111 |
| Total domestic deposits to total assets | 82.1559% | 3,724 |
| Equity capital to assets | 11.0893% | 2,772 |
| Core capital (leverage) ratio | 11.2925% | 2,189 |
| Tier 1 risk-based capital ratio | 12.4679% | 4,341 |
| Total risk-based capital ratio | 13.5139% | 4,357 |
| Memoranda: | ||
| Average total assets | $525,245,000 | 1,347 |
| Average earning assets | $482,897,500 | 1,359 |
| Average equity | $58,694,000 | 1,348 |
| Average total loans | $434,324,500 | 1,165 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 1,532 |
| Cost of funding earning assets | 0.2701% | 4,374 |
| Net interest margin | 4.2220% | 1,031 |
| Noninterest income to average assets | 0.7697% | 1,686 |
| Noninterest expense to average assets | 3.2955% | 1,379 |
| Loan and lease loss provision to assets | 0.0184% | 3,599 |
| Net operating income to assets | 0.9039% | 2,895 |
| Return on assets (ROA) | 0.9039% | 2,945 |
| Pretax return on assets | 1.3325% | 2,262 |
| Return on Equity (ROE) | 8.0677% | 2,990 |
| Retained earnings to average equity (ytd only) | 2.7303% | 4,072 |
| Net charge-offs to loans | 0.0482% | 2,253 |
| Credit loss provision to net charge-offs | 46.1538% | 2,598 |
| Earnings coverage of net charge-offs (x) | 33.8846% | 1,380 |
| Efficiency ratio | 70.9265% | 2,523 |
| Assets per employee ($millions) | 4.4869% | 3,128 |
| Cash dividends to net income (ytd only)* | 66.1578% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,418 |
| Loan loss allowance to noncurrent loans | 7,584.6154% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,001 |
| Noncurrent loans to loans | 0.0149% | 5,114 |
| Net loans and leases to total assets | 82.1498% | 647 |
| Net loans and leases to deposits | 102.7091% | 564 |
| Net loans and leases to core deposits | 112.9982% | 848 |
| Total domestic deposits to total assets | 79.9830% | 4,412 |
| Equity capital to assets | 11.2246% | 2,566 |
| Core capital (leverage) ratio | 11.1926% | 2,229 |
| Tier 1 risk-based capital ratio | 12.2485% | 4,462 |
| Total risk-based capital ratio | 13.2727% | 4,504 |
| Memoranda: | ||
| Average total assets | $521,743,330 | 1,361 |
| Average earning assets | $479,059,330 | 1,375 |
| Average equity | $58,455,000 | 1,350 |
| Average total loans | $431,890,000 | 1,177 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 1,517 |
| Cost of funding earning assets | 0.2514% | 4,524 |
| Net interest margin | 4.1917% | 1,009 |
| Noninterest income to average assets | 0.7821% | 1,617 |
| Noninterest expense to average assets | 3.2830% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9128% | 2,694 |
| Return on assets (ROA) | 0.9128% | 2,747 |
| Pretax return on assets | 1.3458% | 2,074 |
| Return on Equity (ROE) | 8.1553% | 2,833 |
| Retained earnings to average equity (ytd only) | 2.7963% | 4,010 |
| Net charge-offs to loans | 0.0596% | 1,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.3438% | 1,277 |
| Efficiency ratio | 70.9254% | 2,753 |
| Assets per employee ($millions) | 4.4881% | 3,185 |
| Cash dividends to net income (ytd only)* | 65.7119% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,489 |
| Loan loss allowance to noncurrent loans | 3,490.7801% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,990 |
| Noncurrent loans to loans | 0.0325% | 5,074 |
| Net loans and leases to total assets | 81.6232% | 610 |
| Net loans and leases to deposits | 100.1760% | 604 |
| Net loans and leases to core deposits | 109.2555% | 915 |
| Total domestic deposits to total assets | 81.4798% | 4,303 |
| Equity capital to assets | 11.1296% | 2,503 |
| Core capital (leverage) ratio | 11.0319% | 2,330 |
| Tier 1 risk-based capital ratio | 12.2424% | 4,548 |
| Total risk-based capital ratio | 13.2716% | 4,596 |
| Memoranda: | ||
| Average total assets | $520,130,000 | 1,366 |
| Average earning assets | $477,322,000 | 1,385 |
| Average equity | $58,219,500 | 1,349 |
| Average total loans | $429,739,000 | 1,186 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,095 |
| Cost of funding earning assets | 0.1988% | 5,022 |
| Net interest margin | 4.1173% | 1,340 |
| Noninterest income to average assets | 0.7721% | 1,871 |
| Noninterest expense to average assets | 3.4511% | 1,252 |
| Loan and lease loss provision to assets | 0.0038% | 4,282 |
| Net operating income to assets | 0.7448% | 3,562 |
| Return on assets (ROA) | 0.7448% | 3,678 |
| Pretax return on assets | 1.0954% | 3,122 |
| Return on Equity (ROE) | 6.8467% | 3,550 |
| Retained earnings to average equity (ytd only) | 2.6676% | 4,005 |
| Net charge-offs to loans | 0.0298% | 3,425 |
| Credit loss provision to net charge-offs | 15.6250% | 3,709 |
| Earnings coverage of net charge-offs (x) | 45.3359% | 1,076 |
| Efficiency ratio | 75.8430% | 2,006 |
| Assets per employee ($millions) | 4.2226% | 3,584 |
| Cash dividends to net income (ytd only)* | 61.0376% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,306 |
| Loan loss allowance to noncurrent loans | 2,624.2105% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,007 |
| Noncurrent loans to loans | 0.0446% | 5,066 |
| Net loans and leases to total assets | 81.7157% | 642 |
| Net loans and leases to deposits | 94.8919% | 1,102 |
| Net loans and leases to core deposits | 102.6894% | 1,394 |
| Total domestic deposits to total assets | 86.1145% | 2,527 |
| Equity capital to assets | 11.2581% | 2,365 |
| Core capital (leverage) ratio | 11.0098% | 2,325 |
| Tier 1 risk-based capital ratio | 12.3482% | 4,476 |
| Total risk-based capital ratio | 13.4071% | 4,491 |
| Memoranda: | ||
| Average total assets | $527,923,400 | 1,304 |
| Average earning assets | $484,440,400 | 1,307 |
| Average equity | $57,429,000 | 1,337 |
| Average total loans | $429,662,400 | 1,142 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,216 |
| Cost of funding earning assets | 0.1996% | 5,073 |
| Net interest margin | 4.0839% | 1,424 |
| Noninterest income to average assets | 0.7516% | 1,958 |
| Noninterest expense to average assets | 3.4643% | 1,214 |
| Loan and lease loss provision to assets | 0.0050% | 4,131 |
| Net operating income to assets | 0.7014% | 3,842 |
| Return on assets (ROA) | 0.7014% | 3,972 |
| Pretax return on assets | 1.0315% | 3,511 |
| Return on Equity (ROE) | 6.5028% | 3,840 |
| Retained earnings to average equity (ytd only) | 2.6626% | 4,318 |
| Net charge-offs to loans | 0.0393% | 2,845 |
| Credit loss provision to net charge-offs | 15.7480% | 3,321 |
| Earnings coverage of net charge-offs (x) | 32.5117% | 1,416 |
| Efficiency ratio | 76.9703% | 1,840 |
| Assets per employee ($millions) | 4.3438% | 3,342 |
| Cash dividends to net income (ytd only)* | 59.0553% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,394 |
| Loan loss allowance to noncurrent loans | 645.9845% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 4,677 |
| Noncurrent loans to loans | 0.1821% | 4,622 |
| Net loans and leases to total assets | 77.8002% | 1,231 |
| Net loans and leases to deposits | 90.1169% | 1,738 |
| Net loans and leases to core deposits | 99.1759% | 1,713 |
| Total domestic deposits to total assets | 86.3325% | 2,198 |
| Equity capital to assets | 10.7557% | 3,303 |
| Core capital (leverage) ratio | 10.8195% | 2,661 |
| Tier 1 risk-based capital ratio | 12.3390% | 4,580 |
| Total risk-based capital ratio | 13.4044% | 4,601 |
| Memoranda: | ||
| Average total assets | $531,115,000 | 1,305 |
| Average earning assets | $487,590,000 | 1,304 |
| Average equity | $57,287,000 | 1,349 |
| Average total loans | $430,590,500 | 1,131 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,077 |
| Cost of funding earning assets | 0.2016% | 5,116 |
| Net interest margin | 4.1233% | 1,314 |
| Noninterest income to average assets | 0.7317% | 1,998 |
| Noninterest expense to average assets | 3.4612% | 1,242 |
| Loan and lease loss provision to assets | 0.0076% | 3,920 |
| Net operating income to assets | 0.7087% | 3,745 |
| Return on assets (ROA) | 0.7087% | 3,898 |
| Pretax return on assets | 1.0461% | 3,410 |
| Return on Equity (ROE) | 6.5637% | 3,771 |
| Retained earnings to average equity (ytd only) | 2.3585% | 4,378 |
| Net charge-offs to loans | -0.0185% | 4,914 |
| Credit loss provision to net charge-offs | -50.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6614% | 1,984 |
| Assets per employee ($millions) | 3.9616% | 3,982 |
| Cash dividends to net income (ytd only)* | 64.0683% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,307 |
| Loan loss allowance to noncurrent loans | 433.4735% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 4,243 |
| Noncurrent loans to loans | 0.2791% | 4,369 |
| Net loans and leases to total assets | 79.8802% | 933 |
| Net loans and leases to deposits | 92.8688% | 1,411 |
| Net loans and leases to core deposits | 102.3083% | 1,447 |
| Total domestic deposits to total assets | 86.0141% | 2,414 |
| Equity capital to assets | 10.9123% | 3,157 |
| Core capital (leverage) ratio | 10.7944% | 2,658 |
| Tier 1 risk-based capital ratio | 11.9348% | 4,871 |
| Total risk-based capital ratio | 13.0086% | 4,881 |
| Memoranda: | ||
| Average total assets | $528,608,000 | 1,314 |
| Average earning assets | $485,000,670 | 1,314 |
| Average equity | $57,071,330 | 1,355 |
| Average total loans | $432,771,670 | 1,130 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,003 |
| Cost of funding earning assets | 0.2009% | 5,198 |
| Net interest margin | 4.1379% | 1,243 |
| Noninterest income to average assets | 0.7003% | 2,043 |
| Noninterest expense to average assets | 3.3951% | 1,388 |
| Loan and lease loss provision to assets | 0.0151% | 3,490 |
| Net operating income to assets | 0.7404% | 3,536 |
| Return on assets (ROA) | 0.7404% | 3,641 |
| Pretax return on assets | 1.0864% | 3,144 |
| Return on Equity (ROE) | 6.8942% | 3,509 |
| Retained earnings to average equity (ytd only) | 2.6733% | 4,177 |
| Net charge-offs to loans | -0.0651% | 5,460 |
| Credit loss provision to net charge-offs | -28.1690% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5040% | 2,251 |
| Assets per employee ($millions) | 4.1753% | 3,629 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,493 |
| Loan loss allowance to noncurrent loans | 1,436.2881% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,930 |
| Noncurrent loans to loans | 0.0834% | 5,145 |
| Net loans and leases to total assets | 80.0271% | 803 |
| Net loans and leases to deposits | 95.6108% | 977 |
| Net loans and leases to core deposits | 106.4209% | 1,051 |
| Total domestic deposits to total assets | 83.7008% | 3,634 |
| Equity capital to assets | 10.6854% | 3,275 |
| Core capital (leverage) ratio | 10.8363% | 2,587 |
| Tier 1 risk-based capital ratio | 11.9385% | 4,948 |
| Total risk-based capital ratio | 13.0246% | 4,971 |
| Memoranda: | ||
| Average total assets | $529,465,000 | 1,315 |
| Average earning assets | $485,759,000 | 1,311 |
| Average equity | $56,859,000 | 1,360 |
| Average total loans | $436,138,500 | 1,114 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 1,579 |
| Cost of funding earning assets | 0.1880% | 5,378 |
| Net interest margin | 4.3164% | 936 |
| Noninterest income to average assets | 0.8000% | 1,793 |
| Noninterest expense to average assets | 3.5707% | 1,178 |
| Loan and lease loss provision to assets | 0.0094% | 4,214 |
| Net operating income to assets | 0.8087% | 3,307 |
| Return on assets (ROA) | 0.8087% | 3,379 |
| Pretax return on assets | 1.1845% | 2,715 |
| Return on Equity (ROE) | 7.1548% | 3,426 |
| Retained earnings to average equity (ytd only) | -1.0072% | 5,657 |
| Net charge-offs to loans | 0.0416% | 3,385 |
| Credit loss provision to net charge-offs | 27.1186% | 3,685 |
| Earnings coverage of net charge-offs (x) | 34.3672% | 1,315 |
| Efficiency ratio | 74.9413% | 2,433 |
| Assets per employee ($millions) | 4.1959% | 3,571 |
| Cash dividends to net income (ytd only)* | 114.0777% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,707 |
| Loan loss allowance to noncurrent loans | 1,455.4286% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,947 |
| Noncurrent loans to loans | 0.0797% | 5,182 |
| Net loans and leases to total assets | 82.8045% | 508 |
| Net loans and leases to deposits | 96.4929% | 957 |
| Net loans and leases to core deposits | 105.1747% | 1,153 |
| Total domestic deposits to total assets | 85.8141% | 2,726 |
| Equity capital to assets | 10.7935% | 3,037 |
| Core capital (leverage) ratio | 11.0670% | 2,336 |
| Tier 1 risk-based capital ratio | 11.7045% | 5,130 |
| Total risk-based capital ratio | 12.7577% | 5,154 |
| Memoranda: | ||
| Average total assets | $509,482,400 | 1,319 |
| Average earning assets | $467,962,000 | 1,324 |
| Average equity | $57,583,600 | 1,299 |
| Average total loans | $425,324,600 | 1,076 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,580 |
| Cost of funding earning assets | 0.1906% | 5,457 |
| Net interest margin | 4.3140% | 937 |
| Noninterest income to average assets | 0.8175% | 1,736 |
| Noninterest expense to average assets | 3.5399% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8494% | 3,174 |
| Return on assets (ROA) | 0.8494% | 3,264 |
| Pretax return on assets | 1.2457% | 2,624 |
| Return on Equity (ROE) | 7.4289% | 3,385 |
| Retained earnings to average equity (ytd only) | 2.7599% | 4,460 |
| Net charge-offs to loans | -0.0196% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9698% | 2,562 |
| Assets per employee ($millions) | 4.1080% | 3,688 |
| Cash dividends to net income (ytd only)* | 62.8491% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 3,696 |
| Loan loss allowance to noncurrent loans | 1,341.6244% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 5,249 |
| Noncurrent loans to loans | 0.0889% | 5,271 |
| Net loans and leases to total assets | 81.3625% | 660 |
| Net loans and leases to deposits | 96.9540% | 912 |
| Net loans and leases to core deposits | 104.3870% | 1,207 |
| Total domestic deposits to total assets | 83.9186% | 3,461 |
| Equity capital to assets | 10.8703% | 3,170 |
| Core capital (leverage) ratio | 10.9934% | 2,492 |
| Tier 1 risk-based capital ratio | 12.0687% | 5,037 |
| Total risk-based capital ratio | 13.1613% | 5,057 |
| Memoranda: | ||
| Average total assets | $505,730,000 | 1,332 |
| Average earning assets | $465,173,000 | 1,336 |
| Average equity | $57,826,750 | 1,309 |
| Average total loans | $421,806,500 | 1,086 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 1,549 |
| Cost of funding earning assets | 0.1959% | 5,474 |
| Net interest margin | 4.3009% | 920 |
| Noninterest income to average assets | 0.8143% | 1,720 |
| Noninterest expense to average assets | 3.5824% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8062% | 3,351 |
| Return on assets (ROA) | 0.8062% | 3,452 |
| Pretax return on assets | 1.1792% | 2,864 |
| Return on Equity (ROE) | 6.9267% | 3,657 |
| Retained earnings to average equity (ytd only) | 2.2395% | 4,598 |
| Net charge-offs to loans | 0.0029% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 486.3333% | 135 |
| Efficiency ratio | 75.2355% | 2,509 |
| Assets per employee ($millions) | 3.8493% | 4,168 |
| Cash dividends to net income (ytd only)* | 67.6692% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 3,732 |
| Loan loss allowance to noncurrent loans | 5,434.3750% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 5,564 |
| Noncurrent loans to loans | 0.0223% | 5,671 |
| Net loans and leases to total assets | 83.1776% | 450 |
| Net loans and leases to deposits | 104.5005% | 427 |
| Net loans and leases to core deposits | 113.4506% | 691 |
| Total domestic deposits to total assets | 79.5954% | 4,957 |
| Equity capital to assets | 11.3102% | 2,566 |
| Core capital (leverage) ratio | 11.4608% | 2,023 |
| Tier 1 risk-based capital ratio | 11.8768% | 5,233 |
| Total risk-based capital ratio | 12.9482% | 5,254 |
| Memoranda: | ||
| Average total assets | $494,925,000 | 1,370 |
| Average earning assets | $454,235,330 | 1,378 |
| Average equity | $57,603,000 | 1,321 |
| Average total loans | $414,697,330 | 1,110 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 1,534 |
| Cost of funding earning assets | 0.2083% | 5,433 |
| Net interest margin | 4.2665% | 946 |
| Noninterest income to average assets | 0.8380% | 1,580 |
| Noninterest expense to average assets | 3.6208% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7722% | 3,402 |
| Return on assets (ROA) | 0.7722% | 3,545 |
| Pretax return on assets | 1.1258% | 2,969 |
| Return on Equity (ROE) | 6.5375% | 3,742 |
| Retained earnings to average equity (ytd only) | 1.8380% | 4,735 |
| Net charge-offs to loans | 0.0010% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1,369.0000% | 24 |
| Efficiency ratio | 76.2821% | 2,473 |
| Assets per employee ($millions) | 3.8340% | 4,283 |
| Cash dividends to net income (ytd only)* | 71.8850% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 3,694 |
| Loan loss allowance to noncurrent loans | 5,222.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,602 |
| Noncurrent loans to loans | 0.0239% | 5,708 |
| Net loans and leases to total assets | 82.8395% | 389 |
| Net loans and leases to deposits | 102.0633% | 453 |
| Net loans and leases to core deposits | 110.0583% | 744 |
| Total domestic deposits to total assets | 81.1648% | 4,781 |
| Equity capital to assets | 11.5642% | 2,408 |
| Core capital (leverage) ratio | 11.7553% | 1,807 |
| Tier 1 risk-based capital ratio | 12.4549% | 4,937 |
| Total risk-based capital ratio | 13.6047% | 4,920 |
| Memoranda: | ||
| Average total assets | $486,410,500 | 1,401 |
| Average earning assets | $445,606,500 | 1,414 |
| Average equity | $57,453,000 | 1,327 |
| Average total loans | $406,522,000 | 1,132 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 2,192 |
| Cost of funding earning assets | 0.2668% | 5,136 |
| Net interest margin | 4.1413% | 1,461 |
| Noninterest income to average assets | 0.9158% | 1,455 |
| Noninterest expense to average assets | 3.7265% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6751% | 4,014 |
| Return on assets (ROA) | 0.6751% | 4,127 |
| Pretax return on assets | 0.9762% | 3,590 |
| Return on Equity (ROE) | 5.6005% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.1580% | 4,700 |
| Net charge-offs to loans | 0.0189% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 65.5714% | 741 |
| Efficiency ratio | 79.2411% | 2,031 |
| Assets per employee ($millions) | 3.8258% | 4,301 |
| Cash dividends to net income (ytd only)* | 61.4682% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 3,302 |
| Loan loss allowance to noncurrent loans | 4,316.5289% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,643 |
| Noncurrent loans to loans | 0.0306% | 5,765 |
| Net loans and leases to total assets | 82.1479% | 503 |
| Net loans and leases to deposits | 101.5782% | 536 |
| Net loans and leases to core deposits | 108.1374% | 883 |
| Total domestic deposits to total assets | 80.8715% | 4,776 |
| Equity capital to assets | 12.0716% | 1,967 |
| Core capital (leverage) ratio | 12.1224% | 1,548 |
| Tier 1 risk-based capital ratio | 13.3664% | 4,487 |
| Total risk-based capital ratio | 14.5871% | 4,447 |
| Memoranda: | ||
| Average total assets | $470,172,400 | 1,422 |
| Average earning assets | $429,937,800 | 1,424 |
| Average equity | $56,673,400 | 1,294 |
| Average total loans | $369,977,000 | 1,192 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,301 |
| Cost of funding earning assets | 0.2786% | 5,113 |
| Net interest margin | 4.0994% | 1,576 |
| Noninterest income to average assets | 0.9021% | 1,513 |
| Noninterest expense to average assets | 3.7059% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6563% | 4,186 |
| Return on assets (ROA) | 0.6563% | 4,287 |
| Pretax return on assets | 0.9439% | 3,814 |
| Return on Equity (ROE) | 5.4464% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.4390% | 4,839 |
| Net charge-offs to loans | 0.0227% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 53.5675% | 935 |
| Efficiency ratio | 79.7005% | 1,962 |
| Assets per employee ($millions) | 3.6237% | 4,627 |
| Cash dividends to net income (ytd only)* | 55.2188% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 3,256 |
| Loan loss allowance to noncurrent loans | 2,314.6018% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 5,685 |
| Noncurrent loans to loans | 0.0597% | 5,776 |
| Net loans and leases to total assets | 79.8023% | 738 |
| Net loans and leases to deposits | 96.0851% | 871 |
| Net loans and leases to core deposits | 101.0751% | 1,285 |
| Total domestic deposits to total assets | 83.0538% | 4,124 |
| Equity capital to assets | 12.1853% | 1,917 |
| Core capital (leverage) ratio | 12.3248% | 1,498 |
| Tier 1 risk-based capital ratio | 14.3531% | 3,982 |
| Total risk-based capital ratio | 15.6000% | 3,919 |
| Memoranda: | ||
| Average total assets | $469,114,750 | 1,438 |
| Average earning assets | $428,860,250 | 1,442 |
| Average equity | $56,524,750 | 1,302 |
| Average total loans | $363,737,500 | 1,216 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,438 |
| Cost of funding earning assets | 0.2932% | 5,030 |
| Net interest margin | 4.0451% | 1,676 |
| Noninterest income to average assets | 0.9104% | 1,465 |
| Noninterest expense to average assets | 3.7418% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6013% | 4,349 |
| Return on assets (ROA) | 0.6013% | 4,446 |
| Pretax return on assets | 0.8644% | 4,017 |
| Return on Equity (ROE) | 5.0089% | 4,669 |
| Retained earnings to average equity (ytd only) | 2.8805% | 4,368 |
| Net charge-offs to loans | 0.0022% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 507.5000% | 140 |
| Efficiency ratio | 81.2332% | 1,849 |
| Assets per employee ($millions) | 3.5511% | 4,755 |
| Cash dividends to net income (ytd only)* | 42.4929% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 2,995 |
| Loan loss allowance to noncurrent loans | 2,309.6070% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,786 |
| Noncurrent loans to loans | 0.0641% | 5,834 |
| Net loans and leases to total assets | 75.7032% | 1,208 |
| Net loans and leases to deposits | 92.2653% | 1,116 |
| Net loans and leases to core deposits | 97.2850% | 1,494 |
| Total domestic deposits to total assets | 82.0494% | 4,631 |
| Equity capital to assets | 12.2131% | 1,849 |
| Core capital (leverage) ratio | 12.1603% | 1,567 |
| Tier 1 risk-based capital ratio | 15.3094% | 3,467 |
| Total risk-based capital ratio | 16.5351% | 3,425 |
| Memoranda: | ||
| Average total assets | $469,668,000 | 1,429 |
| Average earning assets | $429,115,000 | 1,440 |
| Average equity | $56,379,330 | 1,290 |
| Average total loans | $358,893,000 | 1,229 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 2,563 |
| Cost of funding earning assets | 0.3030% | 5,034 |
| Net interest margin | 3.9868% | 1,810 |
| Noninterest income to average assets | 0.8909% | 1,425 |
| Noninterest expense to average assets | 3.8075% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5128% | 4,623 |
| Return on assets (ROA) | 0.5128% | 4,700 |
| Pretax return on assets | 0.7307% | 4,383 |
| Return on Equity (ROE) | 4.3090% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.1723% | 4,734 |
| Net charge-offs to loans | 0.0100% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 95.7778% | 471 |
| Efficiency ratio | 83.8999% | 1,686 |
| Assets per employee ($millions) | 3.4272% | 5,086 |
| Cash dividends to net income (ytd only)* | 49.5868% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 3,213 |
| Loan loss allowance to noncurrent loans | 1,732.4590% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 5,818 |
| Noncurrent loans to loans | 0.0856% | 5,875 |
| Net loans and leases to total assets | 74.1879% | 1,239 |
| Net loans and leases to deposits | 89.8733% | 1,168 |
| Net loans and leases to core deposits | 95.0786% | 1,461 |
| Total domestic deposits to total assets | 82.5472% | 4,770 |
| Equity capital to assets | 11.9047% | 1,936 |
| Core capital (leverage) ratio | 12.1696% | 1,557 |
| Tier 1 risk-based capital ratio | 15.2628% | 3,569 |
| Total risk-based capital ratio | 16.5142% | 3,523 |
| Memoranda: | ||
| Average total assets | $471,908,000 | 1,425 |
| Average earning assets | $431,726,500 | 1,438 |
| Average equity | $56,162,000 | 1,292 |
| Average total loans | $359,614,000 | 1,233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,903 |
| Cost of funding earning assets | 0.4084% | 4,555 |
| Net interest margin | 4.1840% | 1,404 |
| Noninterest income to average assets | 0.9220% | 1,604 |
| Noninterest expense to average assets | 3.8398% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6164% | 4,187 |
| Return on assets (ROA) | 0.6164% | 4,300 |
| Pretax return on assets | 0.8918% | 3,798 |
| Return on Equity (ROE) | 5.1988% | 4,537 |
| Retained earnings to average equity (ytd only) | 1.2535% | 5,265 |
| Net charge-offs to loans | 0.0680% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.4471% | 1,801 |
| Efficiency ratio | 81.1523% | 1,998 |
| Assets per employee ($millions) | 3.3875% | 5,120 |
| Cash dividends to net income (ytd only)* | 75.8882% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 3,383 |
| Loan loss allowance to noncurrent loans | 2,223.9496% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 6,190 |
| Noncurrent loans to loans | 0.0656% | 6,024 |
| Net loans and leases to total assets | 75.9833% | 1,078 |
| Net loans and leases to deposits | 92.4830% | 1,007 |
| Net loans and leases to core deposits | 98.3052% | 1,285 |
| Total domestic deposits to total assets | 82.1592% | 4,816 |
| Equity capital to assets | 11.8974% | 1,867 |
| Core capital (leverage) ratio | 11.8111% | 1,746 |
| Tier 1 risk-based capital ratio | 14.7809% | 3,796 |
| Total risk-based capital ratio | 16.0327% | 3,738 |
| Memoranda: | ||
| Average total assets | $470,285,200 | 1,406 |
| Average earning assets | $428,207,400 | 1,427 |
| Average equity | $55,762,400 | 1,282 |
| Average total loans | $375,105,600 | 1,129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 1,859 |
| Cost of funding earning assets | 0.4324% | 4,484 |
| Net interest margin | 4.1797% | 1,398 |
| Noninterest income to average assets | 0.9671% | 1,553 |
| Noninterest expense to average assets | 3.8940% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6072% | 4,319 |
| Return on assets (ROA) | 0.6072% | 4,442 |
| Pretax return on assets | 0.8726% | 4,000 |
| Return on Equity (ROE) | 5.1251% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.2951% | 5,467 |
| Net charge-offs to loans | 0.0592% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.3158% | 1,689 |
| Efficiency ratio | 81.6932% | 1,867 |
| Assets per employee ($millions) | 3.4509% | 4,951 |
| Cash dividends to net income (ytd only)* | 74.7313% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,790 |
| Loan loss allowance to noncurrent loans | 2,299.1453% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,283 |
| Noncurrent loans to loans | 0.0619% | 6,154 |
| Net loans and leases to total assets | 78.1882% | 726 |
| Net loans and leases to deposits | 95.8114% | 704 |
| Net loans and leases to core deposits | 101.8098% | 1,004 |
| Total domestic deposits to total assets | 81.6064% | 5,054 |
| Equity capital to assets | 11.7341% | 2,102 |
| Core capital (leverage) ratio | 12.0632% | 1,633 |
| Tier 1 risk-based capital ratio | 14.4952% | 4,075 |
| Total risk-based capital ratio | 15.7471% | 4,025 |
| Memoranda: | ||
| Average total assets | $470,141,500 | 1,415 |
| Average earning assets | $427,384,750 | 1,434 |
| Average equity | $55,698,000 | 1,290 |
| Average total loans | $378,115,000 | 1,131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,803 |
| Cost of funding earning assets | 0.4554% | 4,368 |
| Net interest margin | 4.1584% | 1,385 |
| Noninterest income to average assets | 0.9912% | 1,553 |
| Noninterest expense to average assets | 3.9208% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5947% | 4,313 |
| Return on assets (ROA) | 0.5947% | 4,496 |
| Pretax return on assets | 0.8468% | 4,127 |
| Return on Equity (ROE) | 5.0038% | 4,732 |
| Retained earnings to average equity (ytd only) | 1.9483% | 5,034 |
| Net charge-offs to loans | 0.0830% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.6242% | 1,964 |
| Efficiency ratio | 82.2386% | 1,850 |
| Assets per employee ($millions) | 3.2824% | 5,306 |
| Cash dividends to net income (ytd only)* | 61.0632% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,965 |
| Loan loss allowance to noncurrent loans | 3,878.4173% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 6,399 |
| Noncurrent loans to loans | 0.0365% | 6,292 |
| Net loans and leases to total assets | 81.7115% | 377 |
| Net loans and leases to deposits | 102.0043% | 334 |
| Net loans and leases to core deposits | 107.8628% | 652 |
| Total domestic deposits to total assets | 80.1059% | 5,582 |
| Equity capital to assets | 12.1612% | 1,802 |
| Core capital (leverage) ratio | 12.1154% | 1,555 |
| Tier 1 risk-based capital ratio | 14.1372% | 4,334 |
| Total risk-based capital ratio | 15.3886% | 4,291 |
| Memoranda: | ||
| Average total assets | $468,115,330 | 1,416 |
| Average earning assets | $425,111,330 | 1,439 |
| Average equity | $55,637,330 | 1,297 |
| Average total loans | $378,244,000 | 1,128 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,920 |
| Cost of funding earning assets | 0.4677% | 4,402 |
| Net interest margin | 4.1048% | 1,446 |
| Noninterest income to average assets | 0.9399% | 1,638 |
| Noninterest expense to average assets | 3.8797% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5538% | 4,437 |
| Return on assets (ROA) | 0.5538% | 4,591 |
| Pretax return on assets | 0.7832% | 4,236 |
| Return on Equity (ROE) | 4.7124% | 4,731 |
| Retained earnings to average equity (ytd only) | 1.4699% | 5,254 |
| Net charge-offs to loans | -0.0233% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2032% | 1,871 |
| Assets per employee ($millions) | 3.3364% | 5,359 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,850 |
| Loan loss allowance to noncurrent loans | 640.9666% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 5,998 |
| Noncurrent loans to loans | 0.2332% | 5,830 |
| Net loans and leases to total assets | 78.0134% | 609 |
| Net loans and leases to deposits | 98.0371% | 440 |
| Net loans and leases to core deposits | 106.1246% | 639 |
| Total domestic deposits to total assets | 79.5754% | 5,846 |
| Equity capital to assets | 11.8206% | 2,160 |
| Core capital (leverage) ratio | 11.8378% | 1,661 |
| Tier 1 risk-based capital ratio | 14.5748% | 4,124 |
| Total risk-based capital ratio | 15.8275% | 4,086 |
| Memoranda: | ||
| Average total assets | $472,406,000 | 1,420 |
| Average earning assets | $428,474,500 | 1,434 |
| Average equity | $55,513,500 | 1,313 |
| Average total loans | $376,924,500 | 1,133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 1,405 |
| Cost of funding earning assets | 0.4623% | 5,478 |
| Net interest margin | 4.5964% | 792 |
| Noninterest income to average assets | 1.0295% | 1,454 |
| Noninterest expense to average assets | 4.0411% | 932 |
| Loan and lease loss provision to assets | 0.1569% | 3,656 |
| Net operating income to assets | 0.6749% | 3,859 |
| Return on assets (ROA) | 0.6749% | 4,132 |
| Pretax return on assets | 0.9928% | 3,572 |
| Return on Equity (ROE) | 5.4811% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.9173% | 4,176 |
| Net charge-offs to loans | 0.1260% | 4,422 |
| Credit loss provision to net charge-offs | 154.6667% | 1,748 |
| Earnings coverage of net charge-offs (x) | 11.3311% | 2,044 |
| Efficiency ratio | 77.8507% | 2,470 |
| Assets per employee ($millions) | 3.3407% | 5,345 |
| Cash dividends to net income (ytd only)* | 46.7758% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 3,923 |
| Loan loss allowance to noncurrent loans | 555.3554% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 5,846 |
| Noncurrent loans to loans | 0.2620% | 5,827 |
| Net loans and leases to total assets | 79.2046% | 545 |
| Net loans and leases to deposits | 99.5150% | 432 |
| Net loans and leases to core deposits | 108.5937% | 585 |
| Total domestic deposits to total assets | 79.5906% | 5,759 |
| Equity capital to assets | 11.6824% | 2,285 |
| Core capital (leverage) ratio | 12.0024% | 1,563 |
| Tier 1 risk-based capital ratio | 14.2534% | 4,201 |
| Total risk-based capital ratio | 15.5055% | 4,158 |
| Memoranda: | ||
| Average total assets | $443,496,400 | 1,485 |
| Average earning assets | $401,508,800 | 1,497 |
| Average equity | $54,606,200 | 1,309 |
| Average total loans | $357,141,800 | 1,168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 1,372 |
| Cost of funding earning assets | 0.4570% | 5,747 |
| Net interest margin | 4.6669% | 717 |
| Noninterest income to average assets | 1.0204% | 1,455 |
| Noninterest expense to average assets | 4.0261% | 905 |
| Loan and lease loss provision to assets | 0.2004% | 3,076 |
| Net operating income to assets | 0.6884% | 3,958 |
| Return on assets (ROA) | 0.6884% | 4,218 |
| Pretax return on assets | 1.0216% | 3,630 |
| Return on Equity (ROE) | 5.5143% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.5120% | 5,066 |
| Net charge-offs to loans | 0.1568% | 3,867 |
| Credit loss provision to net charge-offs | 158.5956% | 1,767 |
| Earnings coverage of net charge-offs (x) | 9.6708% | 2,287 |
| Efficiency ratio | 76.7154% | 2,560 |
| Assets per employee ($millions) | 3.1956% | 5,641 |
| Cash dividends to net income (ytd only)* | 54.4443% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 3,981 |
| Loan loss allowance to noncurrent loans | 499.4595% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 5,966 |
| Noncurrent loans to loans | 0.2990% | 5,895 |
| Net loans and leases to total assets | 81.1602% | 419 |
| Net loans and leases to deposits | 104.3055% | 272 |
| Net loans and leases to core deposits | 114.5625% | 414 |
| Total domestic deposits to total assets | 77.8101% | 6,116 |
| Equity capital to assets | 12.1833% | 2,125 |
| Core capital (leverage) ratio | 12.4289% | 1,439 |
| Tier 1 risk-based capital ratio | 14.3323% | 4,311 |
| Total risk-based capital ratio | 15.5847% | 4,277 |
| Memoranda: | ||
| Average total assets | $435,775,500 | 1,526 |
| Average earning assets | $394,769,000 | 1,538 |
| Average equity | $54,403,000 | 1,320 |
| Average total loans | $351,107,500 | 1,191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 1,275 |
| Cost of funding earning assets | 0.4509% | 5,968 |
| Net interest margin | 4.7418% | 620 |
| Noninterest income to average assets | 1.0106% | 1,442 |
| Noninterest expense to average assets | 3.9848% | 958 |
| Loan and lease loss provision to assets | 0.2609% | 2,489 |
| Net operating income to assets | 0.6982% | 3,875 |
| Return on assets (ROA) | 0.6982% | 4,142 |
| Pretax return on assets | 1.0561% | 3,488 |
| Return on Equity (ROE) | 5.5459% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.3194% | 5,033 |
| Net charge-offs to loans | 0.0354% | 4,889 |
| Credit loss provision to net charge-offs | 921.3115% | 357 |
| Earnings coverage of net charge-offs (x) | 46.5082% | 775 |
| Efficiency ratio | 75.1598% | 2,870 |
| Assets per employee ($millions) | 3.1044% | 5,841 |
| Cash dividends to net income (ytd only)* | 58.1782% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,476 |
| Loan loss allowance to noncurrent loans | 467.2303% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 6,026 |
| Noncurrent loans to loans | 0.3502% | 5,847 |
| Net loans and leases to total assets | 80.8364% | 424 |
| Net loans and leases to deposits | 105.1768% | 251 |
| Net loans and leases to core deposits | 113.2874% | 472 |
| Total domestic deposits to total assets | 76.8576% | 6,348 |
| Equity capital to assets | 12.6320% | 1,733 |
| Core capital (leverage) ratio | 12.6796% | 1,274 |
| Tier 1 risk-based capital ratio | 14.6226% | 4,021 |
| Total risk-based capital ratio | 15.8766% | 3,979 |
| Memoranda: | ||
| Average total assets | $430,839,330 | 1,547 |
| Average earning assets | $389,893,670 | 1,555 |
| Average equity | $54,238,670 | 1,312 |
| Average total loans | $344,397,000 | 1,225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 1,615 |
| Cost of funding earning assets | 0.4620% | 6,069 |
| Net interest margin | 4.6258% | 783 |
| Noninterest income to average assets | 1.0221% | 1,370 |
| Noninterest expense to average assets | 3.8523% | 1,127 |
| Loan and lease loss provision to assets | 0.3475% | 1,798 |
| Net operating income to assets | 0.7136% | 3,815 |
| Return on assets (ROA) | 0.7136% | 4,031 |
| Pretax return on assets | 1.0183% | 3,615 |
| Return on Equity (ROE) | 5.6780% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.0904% | 4,704 |
| Net charge-offs to loans | 0.0979% | 3,552 |
| Credit loss provision to net charge-offs | 450.6024% | 717 |
| Earnings coverage of net charge-offs (x) | 17.7108% | 1,295 |
| Efficiency ratio | 73.8248% | 3,124 |
| Assets per employee ($millions) | 3.1941% | 5,783 |
| Cash dividends to net income (ytd only)* | 45.5729% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,649 |
| Loan loss allowance to noncurrent loans | 328.8066% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 5,835 |
| Noncurrent loans to loans | 0.4923% | 5,690 |
| Net loans and leases to total assets | 80.0262% | 400 |
| Net loans and leases to deposits | 100.6630% | 349 |
| Net loans and leases to core deposits | 106.0053% | 671 |
| Total domestic deposits to total assets | 79.4992% | 5,975 |
| Equity capital to assets | 12.7828% | 1,558 |
| Core capital (leverage) ratio | 12.6894% | 1,249 |
| Tier 1 risk-based capital ratio | 14.6540% | 3,980 |
| Total risk-based capital ratio | 15.9072% | 3,942 |
| Memoranda: | ||
| Average total assets | $430,501,500 | 1,547 |
| Average earning assets | $390,507,000 | 1,557 |
| Average equity | $54,103,500 | 1,303 |
| Average total loans | $339,283,500 | 1,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 3,775 |
| Cost of funding earning assets | 0.6261% | 5,950 |
| Net interest margin | 4.1816% | 2,119 |
| Noninterest income to average assets | 1.0439% | 1,236 |
| Noninterest expense to average assets | 3.5303% | 1,913 |
| Loan and lease loss provision to assets | 0.4421% | 2,386 |
| Net operating income to assets | 0.6549% | 3,723 |
| Return on assets (ROA) | 0.6549% | 3,915 |
| Pretax return on assets | 0.8770% | 3,682 |
| Return on Equity (ROE) | 6.3232% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.5120% | 2,291 |
| Net charge-offs to loans | 0.4273% | 3,296 |
| Credit loss provision to net charge-offs | 146.1481% | 1,959 |
| Earnings coverage of net charge-offs (x) | 4.3607% | 3,145 |
| Efficiency ratio | 72.7995% | 3,428 |
| Assets per employee ($millions) | 3.3813% | 5,294 |
| Cash dividends to net income (ytd only)* | 12.8293% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,621 |
| Loan loss allowance to noncurrent loans | 240.6718% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 5,639 |
| Noncurrent loans to loans | 0.6615% | 5,380 |
| Net loans and leases to total assets | 75.1302% | 1,074 |
| Net loans and leases to deposits | 94.1374% | 808 |
| Net loans and leases to core deposits | 100.8031% | 1,107 |
| Total domestic deposits to total assets | 79.8091% | 5,795 |
| Equity capital to assets | 12.3579% | 1,877 |
| Core capital (leverage) ratio | 11.9085% | 1,649 |
| Tier 1 risk-based capital ratio | 14.8264% | 3,743 |
| Total risk-based capital ratio | 16.0790% | 3,719 |
| Memoranda: | ||
| Average total assets | $446,302,400 | 1,464 |
| Average earning assets | $406,163,200 | 1,465 |
| Average equity | $46,226,400 | 1,478 |
| Average total loans | $315,959,800 | 1,342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 4,244 |
| Cost of funding earning assets | 0.6647% | 5,965 |
| Net interest margin | 4.0823% | 2,539 |
| Noninterest income to average assets | 0.9907% | 1,361 |
| Noninterest expense to average assets | 3.4251% | 2,125 |
| Loan and lease loss provision to assets | 0.3995% | 2,457 |
| Net operating income to assets | 0.6711% | 3,763 |
| Return on assets (ROA) | 0.6711% | 3,934 |
| Pretax return on assets | 0.8858% | 3,822 |
| Return on Equity (ROE) | 6.7978% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.1960% | 2,429 |
| Net charge-offs to loans | 0.2742% | 3,720 |
| Credit loss provision to net charge-offs | 209.8284% | 1,386 |
| Earnings coverage of net charge-offs (x) | 6.7504% | 2,497 |
| Efficiency ratio | 72.7124% | 3,419 |
| Assets per employee ($millions) | 3.5625% | 4,844 |
| Cash dividends to net income (ytd only)* | 8.8535% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 3,411 |
| Loan loss allowance to noncurrent loans | 567.2287% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 6,221 |
| Noncurrent loans to loans | 0.2929% | 6,261 |
| Net loans and leases to total assets | 70.4206% | 1,997 |
| Net loans and leases to deposits | 87.5303% | 1,486 |
| Net loans and leases to core deposits | 93.8654% | 1,803 |
| Total domestic deposits to total assets | 80.4529% | 5,608 |
| Equity capital to assets | 11.8080% | 2,407 |
| Core capital (leverage) ratio | 12.0261% | 1,692 |
| Tier 1 risk-based capital ratio | 15.0376% | 3,643 |
| Total risk-based capital ratio | 16.2910% | 3,610 |
| Memoranda: | ||
| Average total assets | $448,830,250 | 1,471 |
| Average earning assets | $408,974,500 | 1,473 |
| Average equity | $44,307,000 | 1,535 |
| Average total loans | $311,696,500 | 1,370 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 4,363 |
| Cost of funding earning assets | 0.6932% | 6,003 |
| Net interest margin | 4.0429% | 2,640 |
| Noninterest income to average assets | 0.9646% | 1,416 |
| Noninterest expense to average assets | 3.4703% | 2,065 |
| Loan and lease loss provision to assets | 0.2636% | 3,290 |
| Net operating income to assets | 0.7118% | 3,484 |
| Return on assets (ROA) | 0.7118% | 3,597 |
| Pretax return on assets | 0.9128% | 3,573 |
| Return on Equity (ROE) | 7.7203% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.7203% | 1,570 |
| Net charge-offs to loans | 0.0969% | 4,711 |
| Credit loss provision to net charge-offs | 395.9732% | 763 |
| Earnings coverage of net charge-offs (x) | 17.6711% | 1,288 |
| Efficiency ratio | 74.6827% | 3,245 |
| Assets per employee ($millions) | 3.3996% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 3,482 |
| Loan loss allowance to noncurrent loans | 249.6343% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 5,902 |
| Noncurrent loans to loans | 0.6623% | 5,585 |
| Net loans and leases to total assets | 73.4352% | 1,513 |
| Net loans and leases to deposits | 91.9497% | 1,066 |
| Net loans and leases to core deposits | 99.4703% | 1,391 |
| Total domestic deposits to total assets | 79.8645% | 5,858 |
| Equity capital to assets | 10.1585% | 3,933 |
| Core capital (leverage) ratio | 9.9111% | 3,372 |
| Tier 1 risk-based capital ratio | 12.4531% | 5,390 |
| Total risk-based capital ratio | 13.7064% | 5,367 |
| Memoranda: | ||
| Average total assets | $447,627,000 | 1,487 |
| Average earning assets | $407,682,000 | 1,492 |
| Average equity | $41,268,000 | 1,624 |
| Average total loans | $307,597,330 | 1,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 5,274 |
| Cost of funding earning assets | 0.6625% | 6,335 |
| Net interest margin | 3.8564% | 3,353 |
| Noninterest income to average assets | 0.8938% | 1,680 |
| Noninterest expense to average assets | 3.3642% | 2,369 |
| Loan and lease loss provision to assets | 0.2276% | 3,386 |
| Net operating income to assets | 0.5870% | 4,102 |
| Return on assets (ROA) | 0.5870% | 4,169 |
| Pretax return on assets | 0.8292% | 3,793 |
| Return on Equity (ROE) | 6.6707% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.6707% | 2,293 |
| Net charge-offs to loans | -0.0391% | 6,810 |
| Credit loss provision to net charge-offs | -880.0000% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0967% | 3,151 |
| Assets per employee ($millions) | 3.4437% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 3,567 |
| Loan loss allowance to noncurrent loans | 293.5655% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 6,176 |
| Noncurrent loans to loans | 0.5590% | 5,908 |
| Net loans and leases to total assets | 69.2387% | 2,282 |
| Net loans and leases to deposits | 86.2533% | 1,690 |
| Net loans and leases to core deposits | 92.5342% | 2,065 |
| Total domestic deposits to total assets | 80.2737% | 5,879 |
| Equity capital to assets | 9.5638% | 4,349 |
| Core capital (leverage) ratio | 9.2670% | 4,176 |
| Tier 1 risk-based capital ratio | 12.3647% | 5,380 |
| Total risk-based capital ratio | 13.6178% | 5,371 |
| Memoranda: | ||
| Average total assets | $464,062,500 | 1,455 |
| Average earning assets | $424,441,000 | 1,448 |
| Average equity | $40,835,500 | 1,634 |
| Average total loans | $306,547,500 | 1,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 2,862 |
| Cost of funding earning assets | 0.9469% | 5,948 |
| Net interest margin | 4.4119% | 1,438 |
| Noninterest income to average assets | 1.2018% | 1,035 |
| Noninterest expense to average assets | 3.9132% | 1,300 |
| Loan and lease loss provision to assets | 0.3127% | 4,300 |
| Net operating income to assets | 0.6547% | 3,419 |
| Return on assets (ROA) | 0.6547% | 3,561 |
| Pretax return on assets | 0.9547% | 3,086 |
| Return on Equity (ROE) | 6.6452% | 3,281 |
| Retained earnings to average equity (ytd only) | 5.1269% | 2,346 |
| Net charge-offs to loans | 0.3232% | 4,396 |
| Credit loss provision to net charge-offs | 127.9592% | 3,141 |
| Earnings coverage of net charge-offs (x) | 5.1867% | 2,693 |
| Efficiency ratio | 75.5366% | 3,117 |
| Assets per employee ($millions) | 3.9813% | 3,823 |
| Cash dividends to net income (ytd only)* | 22.8484% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,961 |
| Loan loss allowance to noncurrent loans | 365.5469% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 6,509 |
| Noncurrent loans to loans | 0.4128% | 6,221 |
| Net loans and leases to total assets | 61.3661% | 4,428 |
| Net loans and leases to deposits | 74.1462% | 4,169 |
| Net loans and leases to core deposits | 78.4274% | 4,404 |
| Total domestic deposits to total assets | 82.7637% | 4,902 |
| Equity capital to assets | 8.1385% | 6,333 |
| Core capital (leverage) ratio | 10.0198% | 3,071 |
| Tier 1 risk-based capital ratio | 12.0294% | 5,443 |
| Total risk-based capital ratio | 13.2813% | 5,428 |
| Memoranda: | ||
| Average total assets | $401,079,200 | 1,650 |
| Average earning assets | $361,702,600 | 1,659 |
| Average equity | $39,517,000 | 1,674 |
| Average total loans | $303,261,800 | 1,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 1,564 |
| Cost of funding earning assets | 1.0284% | 5,810 |
| Net interest margin | 4.7164% | 806 |
| Noninterest income to average assets | 1.1906% | 986 |
| Noninterest expense to average assets | 4.1003% | 933 |
| Loan and lease loss provision to assets | 0.3481% | 3,825 |
| Net operating income to assets | 0.6671% | 3,557 |
| Return on assets (ROA) | 0.6671% | 3,724 |
| Pretax return on assets | 0.9667% | 3,304 |
| Return on Equity (ROE) | 6.4032% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.5545% | 2,618 |
| Net charge-offs to loans | 0.0964% | 5,568 |
| Credit loss provision to net charge-offs | 451.3761% | 665 |
| Earnings coverage of net charge-offs (x) | 17.0504% | 1,350 |
| Efficiency ratio | 75.7202% | 3,002 |
| Assets per employee ($millions) | 3.3485% | 5,334 |
| Cash dividends to net income (ytd only)* | 13.2558% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 3,143 |
| Loan loss allowance to noncurrent loans | 228.1995% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 5,783 |
| Noncurrent loans to loans | 0.7457% | 5,714 |
| Net loans and leases to total assets | 74.3385% | 1,729 |
| Net loans and leases to deposits | 95.2741% | 1,071 |
| Net loans and leases to core deposits | 104.2178% | 1,462 |
| Total domestic deposits to total assets | 78.0259% | 6,253 |
| Equity capital to assets | 10.0014% | 4,156 |
| Core capital (leverage) ratio | 10.4257% | 2,773 |
| Tier 1 risk-based capital ratio | 12.1714% | 5,301 |
| Total risk-based capital ratio | 13.4255% | 5,262 |
| Memoranda: | ||
| Average total assets | $376,934,250 | 1,770 |
| Average earning assets | $337,619,000 | 1,795 |
| Average equity | $39,270,750 | 1,695 |
| Average total loans | $301,559,000 | 1,506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8593% | 1,280 |
| Cost of funding earning assets | 1.0457% | 5,934 |
| Net interest margin | 4.8136% | 646 |
| Noninterest income to average assets | 1.1643% | 946 |
| Noninterest expense to average assets | 4.1759% | 834 |
| Loan and lease loss provision to assets | 0.3141% | 3,865 |
| Net operating income to assets | 0.6847% | 3,467 |
| Return on assets (ROA) | 0.6847% | 3,615 |
| Pretax return on assets | 0.9825% | 3,188 |
| Return on Equity (ROE) | 6.4776% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.1944% | 2,784 |
| Net charge-offs to loans | 0.1104% | 5,061 |
| Credit loss provision to net charge-offs | 348.7952% | 1,048 |
| Earnings coverage of net charge-offs (x) | 14.3976% | 1,526 |
| Efficiency ratio | 76.3061% | 3,018 |
| Assets per employee ($millions) | 3.2707% | 5,504 |
| Cash dividends to net income (ytd only)* | 19.8098% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,439 |
| Loan loss allowance to noncurrent loans | 425.2427% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 6,433 |
| Noncurrent loans to loans | 0.3766% | 6,485 |
| Net loans and leases to total assets | 80.1082% | 778 |
| Net loans and leases to deposits | 106.2390% | 381 |
| Net loans and leases to core deposits | 118.5196% | 752 |
| Total domestic deposits to total assets | 75.4038% | 6,796 |
| Equity capital to assets | 10.7042% | 3,171 |
| Core capital (leverage) ratio | 10.6642% | 2,487 |
| Tier 1 risk-based capital ratio | 12.1113% | 5,211 |
| Total risk-based capital ratio | 13.3642% | 5,183 |
| Memoranda: | ||
| Average total assets | $368,638,000 | 1,816 |
| Average earning assets | $329,938,000 | 1,849 |
| Average equity | $38,965,000 | 1,702 |
| Average total loans | $300,785,330 | 1,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 1,350 |
| Cost of funding earning assets | 1.0532% | 6,124 |
| Net interest margin | 4.7866% | 666 |
| Noninterest income to average assets | 1.1343% | 967 |
| Noninterest expense to average assets | 4.2264% | 781 |
| Loan and lease loss provision to assets | 0.2271% | 4,224 |
| Net operating income to assets | 0.6541% | 3,641 |
| Return on assets (ROA) | 0.6541% | 3,756 |
| Pretax return on assets | 0.9670% | 3,208 |
| Return on Equity (ROE) | 6.2275% | 3,762 |
| Retained earnings to average equity (ytd only) | 3.6413% | 3,966 |
| Net charge-offs to loans | 0.0120% | 5,417 |
| Credit loss provision to net charge-offs | 2,322.2222% | 221 |
| Earnings coverage of net charge-offs (x) | 122.1111% | 271 |
| Efficiency ratio | 77.9715% | 2,903 |
| Assets per employee ($millions) | 2.9897% | 6,237 |
| Cash dividends to net income (ytd only)* | 41.5282% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,718 |
| Loan loss allowance to noncurrent loans | 485.7595% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 6,438 |
| Noncurrent loans to loans | 0.3162% | 6,676 |
| Net loans and leases to total assets | 80.9471% | 722 |
| Net loans and leases to deposits | 105.7990% | 433 |
| Net loans and leases to core deposits | 117.8300% | 878 |
| Total domestic deposits to total assets | 76.5103% | 6,661 |
| Equity capital to assets | 10.6524% | 3,085 |
| Core capital (leverage) ratio | 10.6614% | 2,481 |
| Tier 1 risk-based capital ratio | 11.9773% | 5,217 |
| Total risk-based capital ratio | 13.2294% | 5,176 |
| Memoranda: | ||
| Average total assets | $368,164,500 | 1,863 |
| Average earning assets | $329,671,500 | 1,899 |
| Average equity | $38,667,000 | 1,736 |
| Average total loans | $300,735,000 | 1,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9544% | 2,039 |
| Cost of funding earning assets | 1.3878% | 5,982 |
| Net interest margin | 4.5666% | 1,040 |
| Noninterest income to average assets | 1.2060% | 1,061 |
| Noninterest expense to average assets | 4.2195% | 1,069 |
| Loan and lease loss provision to assets | 0.3072% | 4,979 |
| Net operating income to assets | 0.5391% | 3,577 |
| Return on assets (ROA) | 0.5391% | 3,657 |
| Pretax return on assets | 0.7928% | 3,271 |
| Return on Equity (ROE) | 5.3554% | 3,497 |
| Retained earnings to average equity (ytd only) | 4.8104% | 1,919 |
| Net charge-offs to loans | 0.2293% | 5,177 |
| Credit loss provision to net charge-offs | 167.4141% | 2,579 |
| Earnings coverage of net charge-offs (x) | 5.9940% | 2,454 |
| Efficiency ratio | 79.3203% | 2,985 |
| Assets per employee ($millions) | 3.1490% | 5,862 |
| Cash dividends to net income (ytd only)* | 10.1781% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 3,922 |
| Loan loss allowance to noncurrent loans | 396.1331% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 6,311 |
| Noncurrent loans to loans | 0.3687% | 6,540 |
| Net loans and leases to total assets | 79.9844% | 993 |
| Net loans and leases to deposits | 105.7589% | 565 |
| Net loans and leases to core deposits | 128.8988% | 1,338 |
| Total domestic deposits to total assets | 75.6291% | 6,752 |
| Equity capital to assets | 10.3556% | 3,336 |
| Core capital (leverage) ratio | 9.5858% | 3,617 |
| Tier 1 risk-based capital ratio | 11.6872% | 5,211 |
| Total risk-based capital ratio | 12.9383% | 5,170 |
| Memoranda: | ||
| Average total assets | $364,524,400 | 1,862 |
| Average earning assets | $328,363,200 | 1,892 |
| Average equity | $36,691,600 | 1,834 |
| Average total loans | $291,794,800 | 1,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9459% | 2,249 |
| Cost of funding earning assets | 1.4527% | 6,025 |
| Net interest margin | 4.4932% | 1,208 |
| Noninterest income to average assets | 1.2077% | 1,058 |
| Noninterest expense to average assets | 4.2209% | 1,011 |
| Loan and lease loss provision to assets | 0.3216% | 4,415 |
| Net operating income to assets | 0.4940% | 4,008 |
| Return on assets (ROA) | 0.4940% | 4,106 |
| Pretax return on assets | 0.7193% | 3,793 |
| Return on Equity (ROE) | 4.9441% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.2084% | 2,923 |
| Net charge-offs to loans | 0.2797% | 4,281 |
| Credit loss provision to net charge-offs | 144.1516% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.6656% | 3,046 |
| Efficiency ratio | 80.2179% | 2,810 |
| Assets per employee ($millions) | 3.1324% | 5,827 |
| Cash dividends to net income (ytd only)* | 14.8809% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 3,693 |
| Loan loss allowance to noncurrent loans | 256.8127% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 5,891 |
| Noncurrent loans to loans | 0.5645% | 6,183 |
| Net loans and leases to total assets | 79.6763% | 1,236 |
| Net loans and leases to deposits | 103.8750% | 784 |
| Net loans and leases to core deposits | 124.6604% | 1,847 |
| Total domestic deposits to total assets | 76.7041% | 6,423 |
| Equity capital to assets | 10.2679% | 3,766 |
| Core capital (leverage) ratio | 9.7092% | 3,633 |
| Tier 1 risk-based capital ratio | 11.4830% | 5,446 |
| Total risk-based capital ratio | 12.7340% | 5,391 |
| Memoranda: | ||
| Average total assets | $362,759,000 | 1,888 |
| Average earning assets | $327,299,500 | 1,913 |
| Average equity | $36,244,500 | 1,876 |
| Average total loans | $289,339,500 | 1,676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9428% | 2,408 |
| Cost of funding earning assets | 1.5529% | 5,910 |
| Net interest margin | 4.3899% | 1,431 |
| Noninterest income to average assets | 1.1722% | 1,139 |
| Noninterest expense to average assets | 4.2794% | 974 |
| Loan and lease loss provision to assets | 0.4153% | 3,455 |
| Net operating income to assets | 0.3278% | 4,772 |
| Return on assets (ROA) | 0.3278% | 4,892 |
| Pretax return on assets | 0.4378% | 4,834 |
| Return on Equity (ROE) | 3.3114% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.3114% | 3,482 |
| Net charge-offs to loans | 0.3983% | 3,206 |
| Credit loss provision to net charge-offs | 131.3043% | 3,550 |
| Earnings coverage of net charge-offs (x) | 2.6974% | 3,733 |
| Efficiency ratio | 83.3780% | 2,558 |
| Assets per employee ($millions) | 3.0950% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,484 |
| Loan loss allowance to noncurrent loans | 246.6587% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 5,697 |
| Noncurrent loans to loans | 0.5867% | 6,080 |
| Net loans and leases to total assets | 78.4171% | 1,655 |
| Net loans and leases to deposits | 101.7107% | 1,098 |
| Net loans and leases to core deposits | 120.5681% | 2,313 |
| Total domestic deposits to total assets | 77.0982% | 6,297 |
| Equity capital to assets | 10.1380% | 3,781 |
| Core capital (leverage) ratio | 9.3594% | 4,083 |
| Tier 1 risk-based capital ratio | 11.5184% | 5,359 |
| Total risk-based capital ratio | 12.7694% | 5,286 |
| Memoranda: | ||
| Average total assets | $363,602,000 | 1,902 |
| Average earning assets | $328,026,670 | 1,926 |
| Average equity | $35,996,670 | 1,895 |
| Average total loans | $288,706,000 | 1,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8851% | 2,870 |
| Cost of funding earning assets | 1.6828% | 5,674 |
| Net interest margin | 4.2022% | 1,894 |
| Noninterest income to average assets | 1.1315% | 1,155 |
| Noninterest expense to average assets | 4.4177% | 772 |
| Loan and lease loss provision to assets | 0.6067% | 2,077 |
| Net operating income to assets | -0.0317% | 6,304 |
| Return on assets (ROA) | -0.0317% | 6,435 |
| Pretax return on assets | -0.1039% | 6,481 |
| Return on Equity (ROE) | -0.3241% | 6,447 |
| Retained earnings to average equity (ytd only) | -0.3241% | 5,721 |
| Net charge-offs to loans | 0.8063% | 1,603 |
| Credit loss provision to net charge-offs | 94.8718% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.7863% | 4,397 |
| Efficiency ratio | 89.7800% | 1,734 |
| Assets per employee ($millions) | 2.9569% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 3,782 |
| Loan loss allowance to noncurrent loans | 775.4941% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 6,474 |
| Noncurrent loans to loans | 0.1745% | 7,025 |
| Net loans and leases to total assets | 77.4044% | 1,950 |
| Net loans and leases to deposits | 101.2371% | 1,257 |
| Net loans and leases to core deposits | 119.7428% | 2,438 |
| Total domestic deposits to total assets | 76.4585% | 6,418 |
| Equity capital to assets | 9.6871% | 4,403 |
| Core capital (leverage) ratio | 9.8090% | 3,628 |
| Tier 1 risk-based capital ratio | 11.1410% | 5,767 |
| Total risk-based capital ratio | 12.3687% | 5,713 |
| Memoranda: | ||
| Average total assets | $365,895,500 | 1,904 |
| Average earning assets | $329,919,500 | 1,922 |
| Average equity | $35,796,500 | 1,912 |
| Average total loans | $290,227,500 | 1,709 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8871% | 1,436 |
| Cost of funding earning assets | 2.3510% | 4,925 |
| Net interest margin | 4.5361% | 1,338 |
| Noninterest income to average assets | 1.4652% | 659 |
| Noninterest expense to average assets | 4.2049% | 1,142 |
| Loan and lease loss provision to assets | 0.3392% | 3,680 |
| Net operating income to assets | 0.7085% | 3,856 |
| Return on assets (ROA) | 0.7085% | 3,689 |
| Pretax return on assets | 0.9924% | 3,408 |
| Return on Equity (ROE) | 6.8492% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.7071% | 2,200 |
| Net charge-offs to loans | 0.1029% | 5,279 |
| Credit loss provision to net charge-offs | 398.6111% | 1,103 |
| Earnings coverage of net charge-offs (x) | 15.6493% | 1,918 |
| Efficiency ratio | 75.9486% | 3,240 |
| Assets per employee ($millions) | 2.9686% | 6,124 |
| Cash dividends to net income (ytd only)* | 31.2761% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,414 |
| Loan loss allowance to noncurrent loans | 237.3349% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 5,693 |
| Noncurrent loans to loans | 0.5736% | 5,652 |
| Net loans and leases to total assets | 79.0993% | 1,866 |
| Net loans and leases to deposits | 102.8691% | 1,488 |
| Net loans and leases to core deposits | 123.5293% | 2,355 |
| Total domestic deposits to total assets | 76.8932% | 6,023 |
| Equity capital to assets | 9.8814% | 4,181 |
| Core capital (leverage) ratio | 9.5122% | 4,002 |
| Tier 1 risk-based capital ratio | 10.8000% | 5,917 |
| Total risk-based capital ratio | 11.9984% | 5,865 |
| Memoranda: | ||
| Average total assets | $338,458,800 | 1,967 |
| Average earning assets | $303,785,000 | 2,010 |
| Average equity | $35,011,200 | 1,930 |
| Average total loans | $279,841,200 | 1,721 |