Home > Providence Bank & Trust > Performance and Condition Ratios
Providence Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 2,023 |
| Cost of funding earning assets | 1.4985% | 1,945 |
| Net interest margin | 3.5294% | 2,121 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.2311% | 3,040 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0703% | 2,012 |
| Return on assets (ROA) | 1.0703% | 1,978 |
| Pretax return on assets | 1.4480% | 1,538 |
| Return on Equity (ROE) | 11.8700% | 1,984 |
| Retained earnings to average equity (ytd only) | 2.6851% | 3,384 |
| Net charge-offs to loans | 0.1349% | 739 |
| Credit loss provision to net charge-offs | 42.1348% | 2,226 |
| Earnings coverage of net charge-offs (x) | 16.3827% | 2,007 |
| Efficiency ratio | 57.2726% | 3,370 |
| Assets per employee ($millions) | 8.3329% | 1,260 |
| Cash dividends to net income (ytd only)* | 77.3856% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 698 |
| Loan loss allowance to noncurrent loans | 294.1585% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 920 |
| Noncurrent loans to loans | 0.5708% | 1,372 |
| Net loans and leases to total assets | 65.0600% | 2,360 |
| Net loans and leases to deposits | 76.2014% | 2,436 |
| Net loans and leases to core deposits | 85.2402% | 2,361 |
| Total domestic deposits to total assets | 85.3800% | 2,192 |
| Equity capital to assets | 9.0336% | 2,654 |
| Core capital (leverage) ratio | 9.6011% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,569,632,000 | 694 |
| Average earning assets | $1,463,204,200 | 677 |
| Average equity | $141,485,600 | 705 |
| Average total loans | $1,055,794,800 | 697 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 1,856 |
| Cost of funding earning assets | 1.3932% | 1,888 |
| Net interest margin | 3.5928% | 2,025 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2809% | 2,848 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0663% | 2,162 |
| Return on assets (ROA) | 1.0663% | 2,150 |
| Pretax return on assets | 1.4492% | 1,678 |
| Return on Equity (ROE) | 11.8400% | 2,166 |
| Retained earnings to average equity (ytd only) | 8.9932% | 1,692 |
| Net charge-offs to loans | 0.1764% | 491 |
| Credit loss provision to net charge-offs | 32.2350% | 1,963 |
| Earnings coverage of net charge-offs (x) | 12.4842% | 2,066 |
| Efficiency ratio | 57.7903% | 3,229 |
| Assets per employee ($millions) | 8.2092% | 1,254 |
| Cash dividends to net income (ytd only)* | 24.0154% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 770 |
| Loan loss allowance to noncurrent loans | 332.5923% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 1,073 |
| Noncurrent loans to loans | 0.4994% | 1,565 |
| Net loans and leases to total assets | 65.6400% | 2,275 |
| Net loans and leases to deposits | 76.8089% | 2,355 |
| Net loans and leases to core deposits | 84.7794% | 2,276 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 8.8441% | 2,509 |
| Core capital (leverage) ratio | 9.9299% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,562,060,250 | 699 |
| Average earning assets | $1,455,423,250 | 684 |
| Average equity | $140,724,250 | 700 |
| Average total loans | $1,055,080,500 | 700 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 1,753 |
| Cost of funding earning assets | 1.2795% | 1,765 |
| Net interest margin | 3.6238% | 1,981 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.3131% | 2,759 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0663% | 2,218 |
| Return on assets (ROA) | 1.0663% | 2,217 |
| Pretax return on assets | 1.4486% | 1,703 |
| Return on Equity (ROE) | 11.7600% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.6302% | 1,506 |
| Net charge-offs to loans | 0.0124% | 1,734 |
| Credit loss provision to net charge-offs | 461.5385% | 679 |
| Earnings coverage of net charge-offs (x) | 177.5385% | 670 |
| Efficiency ratio | 57.9558% | 3,197 |
| Assets per employee ($millions) | 7.9958% | 1,320 |
| Cash dividends to net income (ytd only)* | 18.1291% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 655 |
| Loan loss allowance to noncurrent loans | 227.4484% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 872 |
| Noncurrent loans to loans | 0.7788% | 975 |
| Net loans and leases to total assets | 65.6400% | 2,192 |
| Net loans and leases to deposits | 76.8547% | 2,229 |
| Net loans and leases to core deposits | 83.7899% | 2,222 |
| Total domestic deposits to total assets | 85.4100% | 2,424 |
| Equity capital to assets | 9.0208% | 2,506 |
| Core capital (leverage) ratio | 10.1216% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,551,882,333 | 687 |
| Average earning assets | $1,446,991,667 | 679 |
| Average equity | $140,682,333 | 696 |
| Average total loans | $1,052,452,000 | 683 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 1,289 |
| Cost of funding earning assets | 1.1484% | 1,604 |
| Net interest margin | 3.8190% | 1,649 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.3518% | 2,663 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1716% | 2,019 |
| Return on assets (ROA) | 1.1716% | 1,983 |
| Pretax return on assets | 1.5922% | 1,481 |
| Return on Equity (ROE) | 12.8900% | 2,005 |
| Retained earnings to average equity (ytd only) | 8.5828% | 2,061 |
| Net charge-offs to loans | -0.0187% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.3770% | 3,368 |
| Assets per employee ($millions) | 7.6018% | 1,559 |
| Cash dividends to net income (ytd only)* | 33.4225% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 663 |
| Loan loss allowance to noncurrent loans | 338.1115% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 1,091 |
| Noncurrent loans to loans | 0.5326% | 1,391 |
| Net loans and leases to total assets | 67.4300% | 1,906 |
| Net loans and leases to deposits | 78.5949% | 1,919 |
| Net loans and leases to core deposits | 84.2675% | 1,970 |
| Total domestic deposits to total assets | 85.7900% | 2,654 |
| Equity capital to assets | 9.3027% | 2,297 |
| Core capital (leverage) ratio | 9.8474% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,532,244,000 | 710 |
| Average earning assets | $1,428,419,500 | 696 |
| Average equity | $139,256,000 | 714 |
| Average total loans | $1,047,049,000 | 699 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 1,052 |
| Cost of funding earning assets | 0.3777% | 2,277 |
| Net interest margin | 3.9205% | 913 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.8191% | 1,281 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9743% | 2,658 |
| Return on assets (ROA) | 0.9660% | 2,647 |
| Pretax return on assets | 1.2363% | 2,322 |
| Return on Equity (ROE) | 10.3000% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.0725% | 3,958 |
| Net charge-offs to loans | -0.0333% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8433% | 2,253 |
| Assets per employee ($millions) | 7.7595% | 1,457 |
| Cash dividends to net income (ytd only)* | 79.8778% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 696 |
| Loan loss allowance to noncurrent loans | 335.4978% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 1,113 |
| Noncurrent loans to loans | 0.5279% | 1,391 |
| Net loans and leases to total assets | 66.8100% | 1,945 |
| Net loans and leases to deposits | 78.5290% | 1,891 |
| Net loans and leases to core deposits | 82.7175% | 1,952 |
| Total domestic deposits to total assets | 85.0700% | 2,978 |
| Equity capital to assets | 8.8773% | 2,436 |
| Core capital (leverage) ratio | 9.4527% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,490,315,800 | 704 |
| Average earning assets | $1,390,923,400 | 693 |
| Average equity | $139,780,000 | 712 |
| Average total loans | $924,224,600 | 734 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 971 |
| Cost of funding earning assets | 0.2376% | 2,844 |
| Net interest margin | 3.9174% | 773 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 3.0342% | 867 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8298% | 3,134 |
| Return on assets (ROA) | 0.8298% | 3,102 |
| Pretax return on assets | 1.0577% | 2,852 |
| Return on Equity (ROE) | 8.7200% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.7247% | 1,748 |
| Net charge-offs to loans | -0.0447% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.7053% | 1,684 |
| Assets per employee ($millions) | 7.8573% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 785 |
| Loan loss allowance to noncurrent loans | 324.9203% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 1,176 |
| Noncurrent loans to loans | 0.5426% | 1,456 |
| Net loans and leases to total assets | 65.7100% | 1,918 |
| Net loans and leases to deposits | 74.1055% | 2,037 |
| Net loans and leases to core deposits | 76.7388% | 2,140 |
| Total domestic deposits to total assets | 88.6700% | 2,227 |
| Equity capital to assets | 9.0477% | 2,179 |
| Core capital (leverage) ratio | 10.0305% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,476,861,250 | 716 |
| Average earning assets | $1,379,861,750 | 701 |
| Average equity | $140,455,500 | 715 |
| Average total loans | $892,733,000 | 754 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 1,139 |
| Cost of funding earning assets | 0.1632% | 3,398 |
| Net interest margin | 3.7203% | 879 |
| Noninterest income to average assets | 0.5505% | 1,947 |
| Noninterest expense to average assets | 3.4043% | 479 |
| Loan and lease loss provision to assets | 0.0678% | 1,399 |
| Net operating income to assets | 0.4936% | 3,908 |
| Return on assets (ROA) | 0.4936% | 3,860 |
| Pretax return on assets | 0.5609% | 3,901 |
| Return on Equity (ROE) | 5.1014% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.1014% | 2,671 |
| Net charge-offs to loans | -0.0626% | 4,316 |
| Credit loss provision to net charge-offs | -186.3636% | 3,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3186% | 778 |
| Assets per employee ($millions) | 7.6082% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 786 |
| Loan loss allowance to noncurrent loans | 1,562.6298% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,511 |
| Noncurrent loans to loans | 0.1164% | 3,150 |
| Net loans and leases to total assets | 62.1935% | 2,108 |
| Net loans and leases to deposits | 70.0443% | 2,197 |
| Net loans and leases to core deposits | 72.5952% | 2,275 |
| Total domestic deposits to total assets | 88.7917% | 2,263 |
| Equity capital to assets | 8.9556% | 2,406 |
| Core capital (leverage) ratio | 10.1866% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,450,565,667 | 716 |
| Average earning assets | $1,357,864,000 | 708 |
| Average equity | $140,354,000 | 717 |
| Average total loans | $843,431,000 | 774 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 1,192 |
| Cost of funding earning assets | 0.1297% | 3,779 |
| Net interest margin | 3.6117% | 875 |
| Noninterest income to average assets | 0.6735% | 1,400 |
| Noninterest expense to average assets | 2.3517% | 2,333 |
| Loan and lease loss provision to assets | 0.0707% | 1,164 |
| Net operating income to assets | 1.2139% | 1,214 |
| Return on assets (ROA) | 1.2139% | 1,202 |
| Pretax return on assets | 1.6523% | 753 |
| Return on Equity (ROE) | 12.0412% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.0412% | 597 |
| Net charge-offs to loans | 0.0057% | 1,543 |
| Credit loss provision to net charge-offs | 2,236.3636% | 195 |
| Earnings coverage of net charge-offs (x) | 545.1818% | 186 |
| Efficiency ratio | 55.9865% | 3,882 |
| Assets per employee ($millions) | 7.6939% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3236% | 359 |
| Loan loss allowance to noncurrent loans | 1,202.3304% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 3,091 |
| Noncurrent loans to loans | 0.1933% | 2,852 |
| Net loans and leases to total assets | 51.8065% | 3,003 |
| Net loans and leases to deposits | 58.0584% | 3,072 |
| Net loans and leases to core deposits | 59.7447% | 3,171 |
| Total domestic deposits to total assets | 89.2316% | 1,957 |
| Equity capital to assets | 9.4539% | 2,321 |
| Core capital (leverage) ratio | 10.2762% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,392,203,000 | 751 |
| Average earning assets | $1,311,063,500 | 740 |
| Average equity | $140,351,000 | 746 |
| Average total loans | $768,738,000 | 818 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 725 |
| Cost of funding earning assets | 0.1447% | 4,025 |
| Net interest margin | 4.2487% | 451 |
| Noninterest income to average assets | 0.6002% | 2,155 |
| Noninterest expense to average assets | 2.4415% | 2,359 |
| Loan and lease loss provision to assets | 0.0929% | 1,341 |
| Net operating income to assets | 1.5105% | 987 |
| Return on assets (ROA) | 1.5105% | 1,029 |
| Pretax return on assets | 2.0598% | 546 |
| Return on Equity (ROE) | 14.0381% | 1,176 |
| Retained earnings to average equity (ytd only) | 2.6107% | 3,796 |
| Net charge-offs to loans | -0.0285% | 4,104 |
| Credit loss provision to net charge-offs | -523.0769% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4291% | 4,166 |
| Assets per employee ($millions) | 7.3570% | 1,692 |
| Cash dividends to net income (ytd only)* | 81.4029% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2118% | 445 |
| Loan loss allowance to noncurrent loans | 976.7494% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,958 |
| Noncurrent loans to loans | 0.2264% | 2,822 |
| Net loans and leases to total assets | 56.2239% | 2,577 |
| Net loans and leases to deposits | 64.0204% | 2,683 |
| Net loans and leases to core deposits | 65.9975% | 2,821 |
| Total domestic deposits to total assets | 87.8219% | 2,138 |
| Equity capital to assets | 10.7373% | 1,985 |
| Core capital (leverage) ratio | 10.0207% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,317,479,600 | 758 |
| Average earning assets | $1,238,500,800 | 749 |
| Average equity | $141,763,800 | 752 |
| Average total loans | $820,560,200 | 784 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 668 |
| Cost of funding earning assets | 0.1469% | 4,137 |
| Net interest margin | 4.3573% | 398 |
| Noninterest income to average assets | 0.6300% | 2,098 |
| Noninterest expense to average assets | 2.4518% | 2,267 |
| Loan and lease loss provision to assets | 0.0937% | 1,274 |
| Net operating income to assets | 1.5946% | 1,049 |
| Return on assets (ROA) | 1.5946% | 1,091 |
| Pretax return on assets | 2.1787% | 570 |
| Return on Equity (ROE) | 14.8116% | 1,184 |
| Retained earnings to average equity (ytd only) | 0.8786% | 4,436 |
| Net charge-offs to loans | -0.0226% | 4,014 |
| Credit loss provision to net charge-offs | -651.0638% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1901% | 4,206 |
| Assets per employee ($millions) | 7.0783% | 1,813 |
| Cash dividends to net income (ytd only)* | 94.0680% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 557 |
| Loan loss allowance to noncurrent loans | 788.6194% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,045 |
| Noncurrent loans to loans | 0.2641% | 2,868 |
| Net loans and leases to total assets | 59.7462% | 2,297 |
| Net loans and leases to deposits | 68.2127% | 2,419 |
| Net loans and leases to core deposits | 70.4616% | 2,552 |
| Total domestic deposits to total assets | 87.5881% | 2,069 |
| Equity capital to assets | 10.9904% | 2,025 |
| Core capital (leverage) ratio | 10.0134% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,306,589,250 | 771 |
| Average earning assets | $1,227,691,250 | 768 |
| Average equity | $140,670,000 | 768 |
| Average total loans | $830,065,500 | 791 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 449 |
| Cost of funding earning assets | 0.1487% | 4,216 |
| Net interest margin | 4.6811% | 276 |
| Noninterest income to average assets | 0.6948% | 1,828 |
| Noninterest expense to average assets | 2.4849% | 2,195 |
| Loan and lease loss provision to assets | 0.0943% | 1,332 |
| Net operating income to assets | 1.8430% | 656 |
| Return on assets (ROA) | 1.8430% | 684 |
| Pretax return on assets | 2.5214% | 347 |
| Return on Equity (ROE) | 17.2409% | 747 |
| Retained earnings to average equity (ytd only) | -3.9392% | 4,755 |
| Net charge-offs to loans | -0.0349% | 4,217 |
| Credit loss provision to net charge-offs | -419.1781% | 3,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1027% | 4,456 |
| Assets per employee ($millions) | 6.8947% | 1,879 |
| Cash dividends to net income (ytd only)* | 122.8481% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0386% | 566 |
| Loan loss allowance to noncurrent loans | 703.6864% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 3,073 |
| Noncurrent loans to loans | 0.2897% | 2,889 |
| Net loans and leases to total assets | 60.2843% | 2,392 |
| Net loans and leases to deposits | 68.6916% | 2,551 |
| Net loans and leases to core deposits | 71.1014% | 2,681 |
| Total domestic deposits to total assets | 87.7608% | 1,954 |
| Equity capital to assets | 10.7059% | 2,219 |
| Core capital (leverage) ratio | 10.0315% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,298,545,667 | 776 |
| Average earning assets | $1,222,189,000 | 767 |
| Average equity | $138,809,667 | 770 |
| Average total loans | $836,100,000 | 789 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6562% | 160 |
| Cost of funding earning assets | 0.1539% | 4,281 |
| Net interest margin | 5.5022% | 102 |
| Noninterest income to average assets | 0.6946% | 1,888 |
| Noninterest expense to average assets | 2.5572% | 1,999 |
| Loan and lease loss provision to assets | 0.0952% | 1,407 |
| Net operating income to assets | 2.3513% | 342 |
| Return on assets (ROA) | 2.3513% | 363 |
| Pretax return on assets | 3.2232% | 184 |
| Return on Equity (ROE) | 22.0133% | 392 |
| Retained earnings to average equity (ytd only) | -20.7960% | 4,923 |
| Net charge-offs to loans | -0.0732% | 4,534 |
| Credit loss provision to net charge-offs | -197.4194% | 2,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0986% | 4,664 |
| Assets per employee ($millions) | 7.2725% | 1,599 |
| Cash dividends to net income (ytd only)* | 194.4702% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9246% | 708 |
| Loan loss allowance to noncurrent loans | 543.4855% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 2,992 |
| Noncurrent loans to loans | 0.3541% | 2,812 |
| Net loans and leases to total assets | 61.4420% | 2,343 |
| Net loans and leases to deposits | 69.9055% | 2,515 |
| Net loans and leases to core deposits | 72.2483% | 2,681 |
| Total domestic deposits to total assets | 87.8929% | 1,899 |
| Equity capital to assets | 10.0623% | 2,651 |
| Core capital (leverage) ratio | 9.9479% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,285,929,000 | 773 |
| Average earning assets | $1,210,858,500 | 760 |
| Average equity | $137,353,500 | 773 |
| Average total loans | $846,831,000 | 770 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 1,203 |
| Cost of funding earning assets | 0.3580% | 3,828 |
| Net interest margin | 4.1859% | 656 |
| Noninterest income to average assets | 0.7689% | 1,632 |
| Noninterest expense to average assets | 2.7293% | 2,143 |
| Loan and lease loss provision to assets | 0.3806% | 847 |
| Net operating income to assets | 1.1528% | 1,708 |
| Return on assets (ROA) | 1.1528% | 1,837 |
| Pretax return on assets | 1.5586% | 1,172 |
| Return on Equity (ROE) | 9.7514% | 2,094 |
| Retained earnings to average equity (ytd only) | 2.2819% | 3,711 |
| Net charge-offs to loans | -0.0725% | 4,746 |
| Credit loss provision to net charge-offs | -723.1544% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3971% | 3,932 |
| Assets per employee ($millions) | 6.4167% | 1,983 |
| Cash dividends to net income (ytd only)* | 76.5990% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 761 |
| Loan loss allowance to noncurrent loans | 618.8598% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,148 |
| Noncurrent loans to loans | 0.3026% | 3,114 |
| Net loans and leases to total assets | 68.1106% | 1,813 |
| Net loans and leases to deposits | 78.7081% | 2,007 |
| Net loans and leases to core deposits | 81.6300% | 2,216 |
| Total domestic deposits to total assets | 86.5356% | 2,127 |
| Equity capital to assets | 11.3680% | 1,981 |
| Core capital (leverage) ratio | 9.8798% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,132,461,600 | 792 |
| Average earning assets | $1,054,962,800 | 783 |
| Average equity | $133,878,800 | 749 |
| Average total loans | $822,026,400 | 768 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,211 |
| Cost of funding earning assets | 0.4126% | 3,748 |
| Net interest margin | 4.2256% | 693 |
| Noninterest income to average assets | 0.7580% | 1,627 |
| Noninterest expense to average assets | 2.7769% | 2,030 |
| Loan and lease loss provision to assets | 0.3155% | 1,260 |
| Net operating income to assets | 1.1691% | 1,746 |
| Return on assets (ROA) | 1.1691% | 1,870 |
| Pretax return on assets | 1.5934% | 1,203 |
| Return on Equity (ROE) | 9.7863% | 2,097 |
| Retained earnings to average equity (ytd only) | -0.2612% | 4,522 |
| Net charge-offs to loans | -0.0314% | 4,547 |
| Credit loss provision to net charge-offs | -1,368.7500% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1648% | 3,774 |
| Assets per employee ($millions) | 6.3467% | 1,959 |
| Cash dividends to net income (ytd only)* | 102.6694% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,083 |
| Loan loss allowance to noncurrent loans | 385.1945% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 2,891 |
| Noncurrent loans to loans | 0.4170% | 2,808 |
| Net loans and leases to total assets | 70.2772% | 1,908 |
| Net loans and leases to deposits | 81.0755% | 2,190 |
| Net loans and leases to core deposits | 84.2497% | 2,450 |
| Total domestic deposits to total assets | 86.6812% | 1,784 |
| Equity capital to assets | 11.2657% | 2,177 |
| Core capital (leverage) ratio | 9.8318% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,110,785,250 | 792 |
| Average earning assets | $1,032,505,750 | 781 |
| Average equity | $132,699,750 | 747 |
| Average total loans | $815,975,250 | 763 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 740 |
| Cost of funding earning assets | 0.4725% | 3,686 |
| Net interest margin | 4.5893% | 422 |
| Noninterest income to average assets | 0.7157% | 1,686 |
| Noninterest expense to average assets | 2.8705% | 1,912 |
| Loan and lease loss provision to assets | 0.3074% | 1,402 |
| Net operating income to assets | 1.3170% | 1,316 |
| Return on assets (ROA) | 1.3170% | 1,415 |
| Pretax return on assets | 1.7972% | 822 |
| Return on Equity (ROE) | 10.7970% | 1,705 |
| Retained earnings to average equity (ytd only) | -0.5762% | 4,418 |
| Net charge-offs to loans | -0.0536% | 4,699 |
| Credit loss provision to net charge-offs | -773.0233% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6663% | 3,985 |
| Assets per employee ($millions) | 6.2336% | 2,003 |
| Cash dividends to net income (ytd only)* | 105.3371% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,407 |
| Loan loss allowance to noncurrent loans | 290.0452% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 2,737 |
| Noncurrent loans to loans | 0.4999% | 2,653 |
| Net loans and leases to total assets | 73.1796% | 1,534 |
| Net loans and leases to deposits | 84.4688% | 1,941 |
| Net loans and leases to core deposits | 88.1488% | 2,229 |
| Total domestic deposits to total assets | 86.6351% | 1,760 |
| Equity capital to assets | 11.3286% | 2,106 |
| Core capital (leverage) ratio | 10.2904% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,081,208,000 | 795 |
| Average earning assets | $1,003,511,667 | 782 |
| Average equity | $131,888,333 | 747 |
| Average total loans | $802,383,667 | 770 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,307 |
| Cost of funding earning assets | 0.5892% | 3,488 |
| Net interest margin | 4.2618% | 820 |
| Noninterest income to average assets | 0.6652% | 1,788 |
| Noninterest expense to average assets | 3.0145% | 1,857 |
| Loan and lease loss provision to assets | 0.1192% | 2,202 |
| Net operating income to assets | 1.0845% | 1,889 |
| Return on assets (ROA) | 1.0845% | 1,992 |
| Pretax return on assets | 1.4749% | 1,371 |
| Return on Equity (ROE) | 8.5373% | 2,300 |
| Retained earnings to average equity (ytd only) | -14.4702% | 4,884 |
| Net charge-offs to loans | -0.0320% | 4,489 |
| Credit loss provision to net charge-offs | -501.6393% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1014% | 3,356 |
| Assets per employee ($millions) | 5.4068% | 2,224 |
| Cash dividends to net income (ytd only)* | 269.4934% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 1,408 |
| Loan loss allowance to noncurrent loans | 246.2979% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 2,611 |
| Noncurrent loans to loans | 0.6012% | 2,491 |
| Net loans and leases to total assets | 72.8623% | 1,792 |
| Net loans and leases to deposits | 84.7884% | 2,130 |
| Net loans and leases to core deposits | 89.3994% | 2,402 |
| Total domestic deposits to total assets | 85.9342% | 2,024 |
| Equity capital to assets | 12.3638% | 1,823 |
| Core capital (leverage) ratio | 11.0466% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7229% | 1,997 |
| Memoranda: | ||
| Average total assets | $1,026,502,000 | 800 |
| Average earning assets | $949,839,000 | 793 |
| Average equity | $130,392,500 | 747 |
| Average total loans | $761,520,000 | 780 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8592% | 291 |
| Cost of funding earning assets | 0.7376% | 2,984 |
| Net interest margin | 5.1217% | 215 |
| Noninterest income to average assets | 3.1494% | 141 |
| Noninterest expense to average assets | 4.1608% | 441 |
| Loan and lease loss provision to assets | 0.1343% | 1,582 |
| Net operating income to assets | 3.3059% | 65 |
| Return on assets (ROA) | 3.3059% | 69 |
| Pretax return on assets | 3.6089% | 74 |
| Return on Equity (ROE) | 27.9904% | 50 |
| Retained earnings to average equity (ytd only) | 27.9904% | 16 |
| Net charge-offs to loans | -0.1571% | 5,028 |
| Credit loss provision to net charge-offs | -110.4542% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2908% | 4,651 |
| Assets per employee ($millions) | 5.3141% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,388 |
| Loan loss allowance to noncurrent loans | 238.5135% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 2,439 |
| Noncurrent loans to loans | 0.6043% | 2,371 |
| Net loans and leases to total assets | 73.3446% | 1,869 |
| Net loans and leases to deposits | 85.7724% | 2,124 |
| Net loans and leases to core deposits | 90.6903% | 2,358 |
| Total domestic deposits to total assets | 85.5108% | 2,282 |
| Equity capital to assets | 13.0455% | 1,491 |
| Core capital (leverage) ratio | 11.4341% | 2,159 |
| Tier 1 risk-based capital ratio | 14.0337% | 3,251 |
| Total risk-based capital ratio | 15.2845% | 3,159 |
| Memoranda: | ||
| Average total assets | $959,537,000 | 817 |
| Average earning assets | $890,766,400 | 809 |
| Average equity | $113,328,000 | 802 |
| Average total loans | $743,056,600 | 769 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 227 |
| Cost of funding earning assets | 0.7592% | 2,923 |
| Net interest margin | 5.2694% | 175 |
| Noninterest income to average assets | 3.9151% | 117 |
| Noninterest expense to average assets | 4.7528% | 253 |
| Loan and lease loss provision to assets | 0.1346% | 1,427 |
| Net operating income to assets | 3.7365% | 54 |
| Return on assets (ROA) | 3.7365% | 57 |
| Pretax return on assets | 3.9246% | 65 |
| Return on Equity (ROE) | 32.5563% | 29 |
| Retained earnings to average equity (ytd only) | 32.5563% | 9 |
| Net charge-offs to loans | -0.3002% | 5,151 |
| Credit loss provision to net charge-offs | -57.2716% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5564% | 4,554 |
| Assets per employee ($millions) | 5.3913% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,428 |
| Loan loss allowance to noncurrent loans | 242.8165% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 2,586 |
| Noncurrent loans to loans | 0.5922% | 2,509 |
| Net loans and leases to total assets | 73.5334% | 1,912 |
| Net loans and leases to deposits | 85.8788% | 2,206 |
| Net loans and leases to core deposits | 91.2705% | 2,441 |
| Total domestic deposits to total assets | 85.6246% | 2,154 |
| Equity capital to assets | 12.3591% | 2,002 |
| Core capital (leverage) ratio | 10.9595% | 2,682 |
| Tier 1 risk-based capital ratio | 13.7307% | 3,462 |
| Total risk-based capital ratio | 14.9819% | 3,369 |
| Memoranda: | ||
| Average total assets | $944,345,000 | 831 |
| Average earning assets | $877,576,250 | 826 |
| Average equity | $108,384,000 | 837 |
| Average total loans | $739,000,250 | 772 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 292 |
| Cost of funding earning assets | 0.7788% | 2,751 |
| Net interest margin | 5.1106% | 232 |
| Noninterest income to average assets | 4.8492% | 95 |
| Noninterest expense to average assets | 5.3086% | 174 |
| Loan and lease loss provision to assets | 0.1352% | 1,372 |
| Net operating income to assets | 4.1629% | 45 |
| Return on assets (ROA) | 4.1629% | 48 |
| Pretax return on assets | 4.1629% | 58 |
| Return on Equity (ROE) | 37.8463% | 22 |
| Retained earnings to average equity (ytd only) | 37.8463% | 9 |
| Net charge-offs to loans | -0.4468% | 5,215 |
| Credit loss provision to net charge-offs | -38.0160% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0139% | 4,469 |
| Assets per employee ($millions) | 5.0451% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 1,961 |
| Loan loss allowance to noncurrent loans | 54.8696% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 499 |
| Noncurrent loans to loans | 2.3913% | 518 |
| Net loans and leases to total assets | 77.6330% | 1,287 |
| Net loans and leases to deposits | 89.7143% | 1,774 |
| Net loans and leases to core deposits | 95.4976% | 2,120 |
| Total domestic deposits to total assets | 86.5336% | 1,804 |
| Equity capital to assets | 11.5644% | 2,564 |
| Core capital (leverage) ratio | 10.0766% | 3,516 |
| Tier 1 risk-based capital ratio | 11.1344% | 4,854 |
| Total risk-based capital ratio | 12.2809% | 4,813 |
| Memoranda: | ||
| Average total assets | $912,595,330 | 857 |
| Average earning assets | $849,534,670 | 849 |
| Average equity | $100,379,670 | 893 |
| Average total loans | $726,422,330 | 781 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0981% | 189 |
| Cost of funding earning assets | 0.7936% | 2,571 |
| Net interest margin | 5.3045% | 170 |
| Noninterest income to average assets | 9.7037% | 56 |
| Noninterest expense to average assets | 7.1329% | 105 |
| Loan and lease loss provision to assets | 0.1324% | 1,311 |
| Net operating income to assets | 7.3906% | 27 |
| Return on assets (ROA) | 7.3906% | 29 |
| Pretax return on assets | 7.3906% | 35 |
| Return on Equity (ROE) | 69.3713% | 10 |
| Retained earnings to average equity (ytd only) | 69.3713% | 5 |
| Net charge-offs to loans | -0.7602% | 5,293 |
| Credit loss provision to net charge-offs | -21.7156% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9271% | 4,947 |
| Assets per employee ($millions) | 4.9007% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,550 |
| Loan loss allowance to noncurrent loans | 43.9331% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.1738% | 413 |
| Noncurrent loans to loans | 2.7412% | 434 |
| Net loans and leases to total assets | 77.2627% | 1,277 |
| Net loans and leases to deposits | 88.5578% | 1,801 |
| Net loans and leases to core deposits | 95.2663% | 2,000 |
| Total domestic deposits to total assets | 87.2454% | 1,691 |
| Equity capital to assets | 10.8510% | 2,994 |
| Core capital (leverage) ratio | 9.4428% | 4,206 |
| Tier 1 risk-based capital ratio | 10.5443% | 5,169 |
| Total risk-based capital ratio | 11.6002% | 5,138 |
| Memoranda: | ||
| Average total assets | $849,245,500 | 923 |
| Average earning assets | $792,840,000 | 909 |
| Average equity | $90,475,500 | 963 |
| Average total loans | $680,852,000 | 834 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 1,694 |
| Cost of funding earning assets | 0.7172% | 1,984 |
| Net interest margin | 4.0269% | 1,902 |
| Noninterest income to average assets | 0.8646% | 1,280 |
| Noninterest expense to average assets | 3.1395% | 1,702 |
| Loan and lease loss provision to assets | 0.1549% | 1,356 |
| Net operating income to assets | 1.0324% | 2,878 |
| Return on assets (ROA) | 1.0324% | 2,862 |
| Pretax return on assets | 1.3108% | 2,457 |
| Return on Equity (ROE) | 10.1467% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.9847% | 618 |
| Net charge-offs to loans | 0.0285% | 2,840 |
| Credit loss provision to net charge-offs | 676.2590% | 514 |
| Earnings coverage of net charge-offs (x) | 63.9712% | 985 |
| Efficiency ratio | 67.2704% | 2,662 |
| Assets per employee ($millions) | 4.9618% | 2,551 |
| Cash dividends to net income (ytd only)* | 1.5967% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,003 |
| Loan loss allowance to noncurrent loans | 537.4921% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 3,594 |
| Noncurrent loans to loans | 0.3001% | 3,483 |
| Net loans and leases to total assets | 82.1593% | 627 |
| Net loans and leases to deposits | 93.9470% | 1,291 |
| Net loans and leases to core deposits | 101.9943% | 1,577 |
| Total domestic deposits to total assets | 87.4528% | 1,563 |
| Equity capital to assets | 10.3191% | 3,357 |
| Core capital (leverage) ratio | 10.2231% | 3,336 |
| Tier 1 risk-based capital ratio | 10.4334% | 5,208 |
| Total risk-based capital ratio | 11.6848% | 5,108 |
| Memoranda: | ||
| Average total assets | $606,655,200 | 1,189 |
| Average earning assets | $563,541,800 | 1,197 |
| Average equity | $61,724,200 | 1,288 |
| Average total loans | $488,414,600 | 1,070 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,853 |
| Cost of funding earning assets | 0.6641% | 2,072 |
| Net interest margin | 3.9811% | 2,010 |
| Noninterest income to average assets | 0.8387% | 1,358 |
| Noninterest expense to average assets | 3.1241% | 1,706 |
| Loan and lease loss provision to assets | 0.1740% | 1,061 |
| Net operating income to assets | 0.9851% | 3,149 |
| Return on assets (ROA) | 0.9851% | 3,159 |
| Pretax return on assets | 1.2313% | 2,880 |
| Return on Equity (ROE) | 9.7186% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.4996% | 1,046 |
| Net charge-offs to loans | 0.0248% | 2,626 |
| Credit loss provision to net charge-offs | 880.8989% | 454 |
| Earnings coverage of net charge-offs (x) | 71.1483% | 945 |
| Efficiency ratio | 68.0484% | 2,529 |
| Assets per employee ($millions) | 5.1818% | 2,242 |
| Cash dividends to net income (ytd only)* | 2.2528% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 955 |
| Loan loss allowance to noncurrent loans | 493.5807% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,601 |
| Noncurrent loans to loans | 0.3353% | 3,461 |
| Net loans and leases to total assets | 79.4276% | 1,103 |
| Net loans and leases to deposits | 90.1121% | 1,882 |
| Net loans and leases to core deposits | 98.3943% | 1,902 |
| Total domestic deposits to total assets | 88.1431% | 1,179 |
| Equity capital to assets | 10.0121% | 3,636 |
| Core capital (leverage) ratio | 9.9481% | 3,694 |
| Tier 1 risk-based capital ratio | 10.4352% | 5,261 |
| Total risk-based capital ratio | 11.6869% | 5,180 |
| Memoranda: | ||
| Average total assets | $600,783,250 | 1,198 |
| Average earning assets | $556,949,250 | 1,212 |
| Average equity | $60,899,000 | 1,301 |
| Average total loans | $478,966,250 | 1,090 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 1,942 |
| Cost of funding earning assets | 0.5840% | 2,337 |
| Net interest margin | 3.9652% | 1,982 |
| Noninterest income to average assets | 0.8439% | 1,337 |
| Noninterest expense to average assets | 3.1400% | 1,688 |
| Loan and lease loss provision to assets | 0.2121% | 789 |
| Net operating income to assets | 0.9256% | 3,341 |
| Return on assets (ROA) | 0.9256% | 3,343 |
| Pretax return on assets | 1.1617% | 3,092 |
| Return on Equity (ROE) | 9.0919% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.7601% | 1,299 |
| Net charge-offs to loans | 0.0387% | 2,076 |
| Credit loss provision to net charge-offs | 690.1099% | 563 |
| Earnings coverage of net charge-offs (x) | 44.6923% | 1,214 |
| Efficiency ratio | 68.6200% | 2,541 |
| Assets per employee ($millions) | 5.1905% | 2,201 |
| Cash dividends to net income (ytd only)* | 3.6496% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 1,000 |
| Loan loss allowance to noncurrent loans | 473.1300% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,667 |
| Noncurrent loans to loans | 0.3475% | 3,452 |
| Net loans and leases to total assets | 78.3183% | 1,262 |
| Net loans and leases to deposits | 89.4655% | 1,915 |
| Net loans and leases to core deposits | 98.1003% | 1,884 |
| Total domestic deposits to total assets | 87.5402% | 1,626 |
| Equity capital to assets | 9.7616% | 3,860 |
| Core capital (leverage) ratio | 10.3155% | 3,226 |
| Tier 1 risk-based capital ratio | 10.3039% | 5,341 |
| Total risk-based capital ratio | 11.5555% | 5,257 |
| Memoranda: | ||
| Average total assets | $592,044,000 | 1,216 |
| Average earning assets | $547,968,670 | 1,223 |
| Average equity | $60,273,330 | 1,316 |
| Average total loans | $469,824,000 | 1,111 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,702 |
| Cost of funding earning assets | 0.5116% | 2,709 |
| Net interest margin | 4.0428% | 1,586 |
| Noninterest income to average assets | 0.8961% | 1,156 |
| Noninterest expense to average assets | 3.2249% | 1,519 |
| Loan and lease loss provision to assets | 0.1087% | 1,719 |
| Net operating income to assets | 0.9804% | 2,937 |
| Return on assets (ROA) | 0.9804% | 2,966 |
| Pretax return on assets | 1.3065% | 2,339 |
| Return on Equity (ROE) | 9.4183% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.7489% | 1,554 |
| Net charge-offs to loans | 0.0484% | 1,624 |
| Credit loss provision to net charge-offs | 283.6364% | 850 |
| Earnings coverage of net charge-offs (x) | 36.9273% | 1,112 |
| Efficiency ratio | 68.5538% | 2,738 |
| Assets per employee ($millions) | 4.8156% | 2,717 |
| Cash dividends to net income (ytd only)* | 7.1073% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 933 |
| Loan loss allowance to noncurrent loans | 526.5044% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 3,849 |
| Noncurrent loans to loans | 0.3241% | 3,604 |
| Net loans and leases to total assets | 76.9816% | 1,392 |
| Net loans and leases to deposits | 88.5507% | 1,867 |
| Net loans and leases to core deposits | 101.7819% | 1,551 |
| Total domestic deposits to total assets | 86.9351% | 2,152 |
| Equity capital to assets | 10.3029% | 3,279 |
| Core capital (leverage) ratio | 10.4385% | 3,023 |
| Tier 1 risk-based capital ratio | 11.2312% | 5,016 |
| Total risk-based capital ratio | 12.4838% | 4,908 |
| Memoranda: | ||
| Average total assets | $574,041,000 | 1,262 |
| Average earning assets | $531,616,500 | 1,261 |
| Average equity | $59,756,000 | 1,335 |
| Average total loans | $454,685,500 | 1,144 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,752 |
| Cost of funding earning assets | 0.3400% | 3,799 |
| Net interest margin | 4.1468% | 1,311 |
| Noninterest income to average assets | 0.7336% | 1,828 |
| Noninterest expense to average assets | 3.2558% | 1,479 |
| Loan and lease loss provision to assets | 0.1109% | 2,042 |
| Net operating income to assets | 0.7039% | 3,588 |
| Return on assets (ROA) | 0.7254% | 3,531 |
| Pretax return on assets | 1.2218% | 2,679 |
| Return on Equity (ROE) | 6.8761% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.7027% | 1,193 |
| Net charge-offs to loans | -0.0248% | 5,011 |
| Credit loss provision to net charge-offs | -582.6923% | 4,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4644% | 2,477 |
| Assets per employee ($millions) | 4.6344% | 2,971 |
| Cash dividends to net income (ytd only)* | 2.5227% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 954 |
| Loan loss allowance to noncurrent loans | 841.8401% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,318 |
| Noncurrent loans to loans | 0.2015% | 4,106 |
| Net loans and leases to total assets | 78.7655% | 1,167 |
| Net loans and leases to deposits | 92.7236% | 1,418 |
| Net loans and leases to core deposits | 104.9554% | 1,346 |
| Total domestic deposits to total assets | 84.9465% | 2,857 |
| Equity capital to assets | 10.5198% | 3,149 |
| Core capital (leverage) ratio | 10.6861% | 2,662 |
| Tier 1 risk-based capital ratio | 11.1351% | 5,071 |
| Total risk-based capital ratio | 12.3877% | 4,952 |
| Memoranda: | ||
| Average total assets | $546,478,200 | 1,287 |
| Average earning assets | $503,590,800 | 1,291 |
| Average equity | $57,648,800 | 1,365 |
| Average total loans | $419,203,800 | 1,188 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 1,656 |
| Cost of funding earning assets | 0.3303% | 3,840 |
| Net interest margin | 4.1659% | 1,238 |
| Noninterest income to average assets | 0.7317% | 1,863 |
| Noninterest expense to average assets | 3.3158% | 1,309 |
| Loan and lease loss provision to assets | 0.1117% | 1,919 |
| Net operating income to assets | 0.7475% | 3,750 |
| Return on assets (ROA) | 0.7686% | 3,709 |
| Pretax return on assets | 1.1695% | 3,021 |
| Return on Equity (ROE) | 7.2806% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.0475% | 1,668 |
| Net charge-offs to loans | -0.0315% | 5,012 |
| Credit loss provision to net charge-offs | -468.0412% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6157% | 2,259 |
| Assets per employee ($millions) | 4.6067% | 2,966 |
| Cash dividends to net income (ytd only)* | 3.2020% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 854 |
| Loan loss allowance to noncurrent loans | 689.9175% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 4,267 |
| Noncurrent loans to loans | 0.2606% | 4,030 |
| Net loans and leases to total assets | 75.6431% | 1,651 |
| Net loans and leases to deposits | 86.8162% | 2,206 |
| Net loans and leases to core deposits | 98.0434% | 1,882 |
| Total domestic deposits to total assets | 87.1301% | 1,805 |
| Equity capital to assets | 10.8654% | 2,999 |
| Core capital (leverage) ratio | 10.5348% | 2,950 |
| Tier 1 risk-based capital ratio | 11.8536% | 4,730 |
| Total risk-based capital ratio | 13.1073% | 4,599 |
| Memoranda: | ||
| Average total assets | $541,750,000 | 1,308 |
| Average earning assets | $498,506,500 | 1,311 |
| Average equity | $57,191,500 | 1,387 |
| Average total loans | $410,750,000 | 1,221 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 1,868 |
| Cost of funding earning assets | 0.3186% | 3,890 |
| Net interest margin | 4.0667% | 1,411 |
| Noninterest income to average assets | 0.7126% | 1,934 |
| Noninterest expense to average assets | 3.2705% | 1,427 |
| Loan and lease loss provision to assets | 0.1120% | 1,832 |
| Net operating income to assets | 0.7112% | 3,795 |
| Return on assets (ROA) | 0.7429% | 3,720 |
| Pretax return on assets | 1.1243% | 3,071 |
| Return on Equity (ROE) | 7.1065% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.7530% | 1,716 |
| Net charge-offs to loans | -0.0456% | 5,138 |
| Credit loss provision to net charge-offs | -325.8065% | 4,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3060% | 2,288 |
| Assets per employee ($millions) | 4.4998% | 3,108 |
| Cash dividends to net income (ytd only)* | 4.9751% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 995 |
| Loan loss allowance to noncurrent loans | 981.6245% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,620 |
| Noncurrent loans to loans | 0.1772% | 4,411 |
| Net loans and leases to total assets | 75.8674% | 1,561 |
| Net loans and leases to deposits | 87.3296% | 2,064 |
| Net loans and leases to core deposits | 98.0332% | 1,806 |
| Total domestic deposits to total assets | 86.8747% | 1,999 |
| Equity capital to assets | 10.5674% | 3,263 |
| Core capital (leverage) ratio | 10.3347% | 3,096 |
| Tier 1 risk-based capital ratio | 11.6136% | 4,887 |
| Total risk-based capital ratio | 12.8668% | 4,769 |
| Memoranda: | ||
| Average total assets | $541,137,670 | 1,317 |
| Average earning assets | $498,486,000 | 1,318 |
| Average equity | $56,567,670 | 1,398 |
| Average total loans | $408,095,670 | 1,229 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 1,919 |
| Cost of funding earning assets | 0.3156% | 3,898 |
| Net interest margin | 3.9979% | 1,481 |
| Noninterest income to average assets | 0.5651% | 2,581 |
| Noninterest expense to average assets | 3.2129% | 1,570 |
| Loan and lease loss provision to assets | 0.1132% | 1,693 |
| Net operating income to assets | 0.6187% | 4,072 |
| Return on assets (ROA) | 0.6187% | 4,126 |
| Pretax return on assets | 0.9173% | 3,699 |
| Return on Equity (ROE) | 5.9522% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.2359% | 2,763 |
| Net charge-offs to loans | -0.0900% | 5,419 |
| Credit loss provision to net charge-offs | -168.8889% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6096% | 2,124 |
| Assets per employee ($millions) | 4.9382% | 2,528 |
| Cash dividends to net income (ytd only)* | 12.0337% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,026 |
| Loan loss allowance to noncurrent loans | 1,149.3631% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,788 |
| Noncurrent loans to loans | 0.1533% | 4,574 |
| Net loans and leases to total assets | 73.3952% | 1,838 |
| Net loans and leases to deposits | 84.0752% | 2,276 |
| Net loans and leases to core deposits | 94.2398% | 1,966 |
| Total domestic deposits to total assets | 87.2971% | 2,075 |
| Equity capital to assets | 10.2719% | 3,442 |
| Core capital (leverage) ratio | 10.2682% | 3,160 |
| Tier 1 risk-based capital ratio | 12.0020% | 4,719 |
| Total risk-based capital ratio | 13.2559% | 4,610 |
| Memoranda: | ||
| Average total assets | $537,217,000 | 1,326 |
| Average earning assets | $494,262,000 | 1,332 |
| Average equity | $55,845,000 | 1,411 |
| Average total loans | $400,209,500 | 1,242 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,148 |
| Cost of funding earning assets | 0.3226% | 3,816 |
| Net interest margin | 4.3364% | 875 |
| Noninterest income to average assets | 0.6454% | 2,444 |
| Noninterest expense to average assets | 3.0935% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0026% | 2,344 |
| Return on assets (ROA) | 1.0443% | 2,269 |
| Pretax return on assets | 1.6184% | 1,221 |
| Return on Equity (ROE) | 9.8853% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.1460% | 561 |
| Net charge-offs to loans | -0.0304% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6233% | 3,657 |
| Assets per employee ($millions) | 4.7414% | 2,730 |
| Cash dividends to net income (ytd only)* | 7.4794% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 973 |
| Loan loss allowance to noncurrent loans | 1,105.5468% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,817 |
| Noncurrent loans to loans | 0.1614% | 4,589 |
| Net loans and leases to total assets | 72.9471% | 2,020 |
| Net loans and leases to deposits | 83.4333% | 2,483 |
| Net loans and leases to core deposits | 95.2516% | 1,985 |
| Total domestic deposits to total assets | 87.4317% | 1,916 |
| Equity capital to assets | 10.5237% | 3,127 |
| Core capital (leverage) ratio | 10.2598% | 3,162 |
| Tier 1 risk-based capital ratio | 11.9614% | 4,757 |
| Total risk-based capital ratio | 13.2146% | 4,637 |
| Memoranda: | ||
| Average total assets | $512,106,600 | 1,338 |
| Average earning assets | $472,651,400 | 1,338 |
| Average equity | $54,100,400 | 1,422 |
| Average total loans | $381,293,600 | 1,247 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,209 |
| Cost of funding earning assets | 0.3220% | 3,847 |
| Net interest margin | 4.3185% | 896 |
| Noninterest income to average assets | 0.5881% | 2,722 |
| Noninterest expense to average assets | 3.0218% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0005% | 2,428 |
| Return on assets (ROA) | 1.0597% | 2,274 |
| Pretax return on assets | 1.6462% | 1,260 |
| Return on Equity (ROE) | 10.0210% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.0293% | 806 |
| Net charge-offs to loans | -0.0672% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1215% | 3,743 |
| Assets per employee ($millions) | 4.8279% | 2,582 |
| Cash dividends to net income (ytd only)* | 9.8961% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 971 |
| Loan loss allowance to noncurrent loans | 688.5742% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,632 |
| Noncurrent loans to loans | 0.2648% | 4,315 |
| Net loans and leases to total assets | 72.8060% | 2,043 |
| Net loans and leases to deposits | 85.1022% | 2,354 |
| Net loans and leases to core deposits | 94.6910% | 2,132 |
| Total domestic deposits to total assets | 85.5512% | 2,581 |
| Equity capital to assets | 10.6662% | 3,387 |
| Core capital (leverage) ratio | 10.3728% | 3,135 |
| Tier 1 risk-based capital ratio | 11.9197% | 4,838 |
| Total risk-based capital ratio | 13.1736% | 4,729 |
| Memoranda: | ||
| Average total assets | $508,558,500 | 1,353 |
| Average earning assets | $469,566,000 | 1,349 |
| Average equity | $53,779,000 | 1,433 |
| Average total loans | $378,893,000 | 1,243 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 986 |
| Cost of funding earning assets | 0.3187% | 3,912 |
| Net interest margin | 4.4107% | 749 |
| Noninterest income to average assets | 0.5576% | 2,863 |
| Noninterest expense to average assets | 3.0083% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0501% | 2,171 |
| Return on assets (ROA) | 1.0831% | 2,155 |
| Pretax return on assets | 1.6848% | 1,133 |
| Return on Equity (ROE) | 10.2733% | 1,935 |
| Retained earnings to average equity (ytd only) | 8.7686% | 912 |
| Net charge-offs to loans | -0.0994% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9836% | 4,015 |
| Assets per employee ($millions) | 4.8275% | 2,521 |
| Cash dividends to net income (ytd only)* | 14.6466% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 960 |
| Loan loss allowance to noncurrent loans | 762.6623% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 4,727 |
| Noncurrent loans to loans | 0.2438% | 4,477 |
| Net loans and leases to total assets | 73.3694% | 1,953 |
| Net loans and leases to deposits | 85.4891% | 2,306 |
| Net loans and leases to core deposits | 94.6850% | 2,092 |
| Total domestic deposits to total assets | 85.8232% | 2,508 |
| Equity capital to assets | 10.7660% | 3,322 |
| Core capital (leverage) ratio | 10.3348% | 3,152 |
| Tier 1 risk-based capital ratio | 11.8277% | 4,953 |
| Total risk-based capital ratio | 13.0819% | 4,831 |
| Memoranda: | ||
| Average total assets | $504,274,000 | 1,370 |
| Average earning assets | $466,905,000 | 1,365 |
| Average equity | $53,167,000 | 1,450 |
| Average total loans | $376,300,670 | 1,257 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 661 |
| Cost of funding earning assets | 0.3182% | 3,969 |
| Net interest margin | 4.6124% | 487 |
| Noninterest income to average assets | 0.5233% | 2,967 |
| Noninterest expense to average assets | 3.0435% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1244% | 1,816 |
| Return on assets (ROA) | 1.1905% | 1,685 |
| Pretax return on assets | 1.8602% | 756 |
| Return on Equity (ROE) | 11.4133% | 1,476 |
| Retained earnings to average equity (ytd only) | 8.3637% | 1,315 |
| Net charge-offs to loans | -0.1888% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7071% | 4,345 |
| Assets per employee ($millions) | 4.9505% | 2,395 |
| Cash dividends to net income (ytd only)* | 26.7201% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 1,012 |
| Loan loss allowance to noncurrent loans | 775.8545% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 4,435 |
| Noncurrent loans to loans | 0.2410% | 4,568 |
| Net loans and leases to total assets | 73.1279% | 1,864 |
| Net loans and leases to deposits | 85.9525% | 2,066 |
| Net loans and leases to core deposits | 94.5672% | 1,934 |
| Total domestic deposits to total assets | 85.0795% | 3,097 |
| Equity capital to assets | 10.5079% | 3,483 |
| Core capital (leverage) ratio | 10.1936% | 3,322 |
| Tier 1 risk-based capital ratio | 11.7299% | 5,094 |
| Total risk-based capital ratio | 12.9843% | 4,995 |
| Memoranda: | ||
| Average total assets | $502,969,000 | 1,377 |
| Average earning assets | $466,395,500 | 1,362 |
| Average equity | $52,465,000 | 1,469 |
| Average total loans | $374,978,500 | 1,259 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 1,333 |
| Cost of funding earning assets | 0.3270% | 3,940 |
| Net interest margin | 4.2709% | 1,021 |
| Noninterest income to average assets | 0.5863% | 2,792 |
| Noninterest expense to average assets | 2.8750% | 2,949 |
| Loan and lease loss provision to assets | 0.1210% | 1,982 |
| Net operating income to assets | 0.9899% | 2,419 |
| Return on assets (ROA) | 1.0124% | 2,380 |
| Pretax return on assets | 1.5906% | 1,273 |
| Return on Equity (ROE) | 10.2193% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.2193% | 436 |
| Net charge-offs to loans | 0.0519% | 3,163 |
| Credit loss provision to net charge-offs | 327.8689% | 917 |
| Earnings coverage of net charge-offs (x) | 45.4372% | 1,070 |
| Efficiency ratio | 62.4336% | 4,541 |
| Assets per employee ($millions) | 4.7713% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 1,067 |
| Loan loss allowance to noncurrent loans | 528.9129% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 4,095 |
| Noncurrent loans to loans | 0.3471% | 4,225 |
| Net loans and leases to total assets | 73.2155% | 1,850 |
| Net loans and leases to deposits | 85.7327% | 2,163 |
| Net loans and leases to core deposits | 94.6304% | 1,982 |
| Total domestic deposits to total assets | 85.3997% | 2,901 |
| Equity capital to assets | 10.3536% | 3,566 |
| Core capital (leverage) ratio | 10.0434% | 3,449 |
| Tier 1 risk-based capital ratio | 12.4057% | 4,697 |
| Total risk-based capital ratio | 13.6611% | 4,585 |
| Memoranda: | ||
| Average total assets | $496,031,600 | 1,359 |
| Average earning assets | $460,510,200 | 1,342 |
| Average equity | $49,142,200 | 1,521 |
| Average total loans | $352,641,600 | 1,279 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 1,262 |
| Cost of funding earning assets | 0.3279% | 4,016 |
| Net interest margin | 4.3017% | 957 |
| Noninterest income to average assets | 0.6033% | 2,724 |
| Noninterest expense to average assets | 2.8580% | 2,980 |
| Loan and lease loss provision to assets | 0.1213% | 1,875 |
| Net operating income to assets | 1.0275% | 2,342 |
| Return on assets (ROA) | 1.0577% | 2,278 |
| Pretax return on assets | 1.6661% | 1,196 |
| Return on Equity (ROE) | 10.7990% | 1,784 |
| Retained earnings to average equity (ytd only) | 10.7990% | 505 |
| Net charge-offs to loans | 0.0526% | 2,855 |
| Credit loss provision to net charge-offs | 328.4672% | 895 |
| Earnings coverage of net charge-offs (x) | 47.1392% | 1,100 |
| Efficiency ratio | 61.4217% | 4,655 |
| Assets per employee ($millions) | 4.7755% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 1,216 |
| Loan loss allowance to noncurrent loans | 511.0439% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,220 |
| Noncurrent loans to loans | 0.3573% | 4,332 |
| Net loans and leases to total assets | 73.1457% | 1,880 |
| Net loans and leases to deposits | 86.0948% | 2,129 |
| Net loans and leases to core deposits | 95.2823% | 1,948 |
| Total domestic deposits to total assets | 84.9595% | 3,033 |
| Equity capital to assets | 10.1875% | 3,950 |
| Core capital (leverage) ratio | 9.9160% | 3,750 |
| Tier 1 risk-based capital ratio | 11.6985% | 5,268 |
| Total risk-based capital ratio | 12.9527% | 5,183 |
| Memoranda: | ||
| Average total assets | $494,793,750 | 1,364 |
| Average earning assets | $459,500,500 | 1,354 |
| Average equity | $48,460,250 | 1,547 |
| Average total loans | $347,387,750 | 1,299 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 1,755 |
| Cost of funding earning assets | 0.3292% | 4,061 |
| Net interest margin | 4.0991% | 1,352 |
| Noninterest income to average assets | 0.6152% | 2,652 |
| Noninterest expense to average assets | 2.8844% | 2,949 |
| Loan and lease loss provision to assets | 0.1214% | 1,824 |
| Net operating income to assets | 0.9037% | 2,859 |
| Return on assets (ROA) | 0.9410% | 2,807 |
| Pretax return on assets | 1.4671% | 1,742 |
| Return on Equity (ROE) | 9.7386% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.7386% | 719 |
| Net charge-offs to loans | 0.0865% | 2,173 |
| Credit loss provision to net charge-offs | 204.0816% | 1,211 |
| Earnings coverage of net charge-offs (x) | 25.7211% | 1,514 |
| Efficiency ratio | 64.5765% | 4,263 |
| Assets per employee ($millions) | 4.6332% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,234 |
| Loan loss allowance to noncurrent loans | 321.2859% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 4,076 |
| Noncurrent loans to loans | 0.5809% | 3,714 |
| Net loans and leases to total assets | 70.6130% | 2,222 |
| Net loans and leases to deposits | 81.7088% | 2,595 |
| Net loans and leases to core deposits | 90.7472% | 2,268 |
| Total domestic deposits to total assets | 86.4204% | 2,478 |
| Equity capital to assets | 9.9436% | 4,097 |
| Core capital (leverage) ratio | 9.6153% | 4,118 |
| Tier 1 risk-based capital ratio | 11.8348% | 5,257 |
| Total risk-based capital ratio | 13.0895% | 5,152 |
| Memoranda: | ||
| Average total assets | $494,176,000 | 1,373 |
| Average earning assets | $458,046,330 | 1,362 |
| Average equity | $47,748,330 | 1,570 |
| Average total loans | $339,839,670 | 1,327 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 1,684 |
| Cost of funding earning assets | 0.3316% | 4,071 |
| Net interest margin | 4.0904% | 1,304 |
| Noninterest income to average assets | 0.6915% | 2,198 |
| Noninterest expense to average assets | 2.8485% | 3,076 |
| Loan and lease loss provision to assets | 0.1210% | 1,712 |
| Net operating income to assets | 0.9643% | 2,427 |
| Return on assets (ROA) | 0.9643% | 2,560 |
| Pretax return on assets | 1.5049% | 1,552 |
| Return on Equity (ROE) | 10.1260% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.1260% | 893 |
| Net charge-offs to loans | 0.1237% | 1,524 |
| Credit loss provision to net charge-offs | 145.6311% | 1,274 |
| Earnings coverage of net charge-offs (x) | 19.5631% | 1,443 |
| Efficiency ratio | 62.9035% | 4,639 |
| Assets per employee ($millions) | 4.8181% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 1,222 |
| Loan loss allowance to noncurrent loans | 396.4569% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 4,619 |
| Noncurrent loans to loans | 0.4873% | 4,117 |
| Net loans and leases to total assets | 66.3846% | 2,713 |
| Net loans and leases to deposits | 76.1654% | 3,031 |
| Net loans and leases to core deposits | 84.6399% | 2,700 |
| Total domestic deposits to total assets | 87.1584% | 2,285 |
| Equity capital to assets | 9.6489% | 4,579 |
| Core capital (leverage) ratio | 9.2995% | 4,572 |
| Tier 1 risk-based capital ratio | 11.7601% | 5,402 |
| Total risk-based capital ratio | 13.0151% | 5,302 |
| Memoranda: | ||
| Average total assets | $495,704,500 | 1,371 |
| Average earning assets | $458,435,000 | 1,363 |
| Average equity | $47,205,000 | 1,588 |
| Average total loans | $333,064,500 | 1,351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,595 |
| Cost of funding earning assets | 0.3680% | 4,057 |
| Net interest margin | 3.9352% | 2,101 |
| Noninterest income to average assets | 1.3577% | 660 |
| Noninterest expense to average assets | 2.8717% | 3,231 |
| Loan and lease loss provision to assets | 0.1271% | 2,064 |
| Net operating income to assets | 1.2365% | 1,476 |
| Return on assets (ROA) | 1.2687% | 1,427 |
| Pretax return on assets | 2.0077% | 502 |
| Return on Equity (ROE) | 13.9251% | 946 |
| Retained earnings to average equity (ytd only) | 12.8182% | 239 |
| Net charge-offs to loans | 0.1995% | 2,073 |
| Credit loss provision to net charge-offs | 97.5248% | 2,489 |
| Earnings coverage of net charge-offs (x) | 15.9967% | 2,046 |
| Efficiency ratio | 57.3908% | 5,524 |
| Assets per employee ($millions) | 4.7610% | 2,645 |
| Cash dividends to net income (ytd only)* | 7.9492% | 4,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 1,197 |
| Loan loss allowance to noncurrent loans | 238.1005% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 3,752 |
| Noncurrent loans to loans | 0.8195% | 3,264 |
| Net loans and leases to total assets | 65.3856% | 2,993 |
| Net loans and leases to deposits | 74.3862% | 3,386 |
| Net loans and leases to core deposits | 82.8931% | 3,008 |
| Total domestic deposits to total assets | 87.9001% | 1,824 |
| Equity capital to assets | 9.3964% | 4,848 |
| Core capital (leverage) ratio | 8.8446% | 5,196 |
| Tier 1 risk-based capital ratio | 11.2593% | 5,785 |
| Total risk-based capital ratio | 12.5143% | 5,709 |
| Memoranda: | ||
| Average total assets | $465,048,200 | 1,437 |
| Average earning assets | $425,264,600 | 1,440 |
| Average equity | $42,369,600 | 1,696 |
| Average total loans | $303,808,200 | 1,414 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,756 |
| Cost of funding earning assets | 0.3720% | 4,108 |
| Net interest margin | 3.8948% | 2,268 |
| Noninterest income to average assets | 1.3195% | 701 |
| Noninterest expense to average assets | 2.9008% | 3,116 |
| Loan and lease loss provision to assets | 0.0321% | 3,768 |
| Net operating income to assets | 1.2262% | 1,590 |
| Return on assets (ROA) | 1.2551% | 1,567 |
| Pretax return on assets | 1.9831% | 595 |
| Return on Equity (ROE) | 13.8941% | 1,006 |
| Retained earnings to average equity (ytd only) | 12.7038% | 357 |
| Net charge-offs to loans | 0.2418% | 1,595 |
| Credit loss provision to net charge-offs | 20.4082% | 3,576 |
| Earnings coverage of net charge-offs (x) | 12.5417% | 2,307 |
| Efficiency ratio | 59.1061% | 5,302 |
| Assets per employee ($millions) | 4.1283% | 3,604 |
| Cash dividends to net income (ytd only)* | 8.5675% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 1,690 |
| Loan loss allowance to noncurrent loans | 79.6539% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 1,952 |
| Noncurrent loans to loans | 2.2618% | 1,330 |
| Net loans and leases to total assets | 66.3351% | 2,800 |
| Net loans and leases to deposits | 75.5090% | 3,242 |
| Net loans and leases to core deposits | 83.4821% | 2,945 |
| Total domestic deposits to total assets | 87.8506% | 1,837 |
| Equity capital to assets | 9.0581% | 5,294 |
| Core capital (leverage) ratio | 8.8768% | 5,222 |
| Tier 1 risk-based capital ratio | 11.0777% | 5,960 |
| Total risk-based capital ratio | 12.3317% | 5,915 |
| Memoranda: | ||
| Average total assets | $457,523,750 | 1,467 |
| Average earning assets | $417,156,000 | 1,479 |
| Average equity | $41,330,500 | 1,741 |
| Average total loans | $297,211,000 | 1,443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,928 |
| Cost of funding earning assets | 0.3766% | 4,144 |
| Net interest margin | 3.8303% | 2,446 |
| Noninterest income to average assets | 0.4581% | 3,804 |
| Noninterest expense to average assets | 2.7822% | 3,573 |
| Loan and lease loss provision to assets | 0.0494% | 3,315 |
| Net operating income to assets | 0.7309% | 3,672 |
| Return on assets (ROA) | 0.7552% | 3,645 |
| Pretax return on assets | 1.1427% | 2,919 |
| Return on Equity (ROE) | 8.3687% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.5306% | 2,016 |
| Net charge-offs to loans | 0.3723% | 1,095 |
| Credit loss provision to net charge-offs | 20.7547% | 3,191 |
| Earnings coverage of net charge-offs (x) | 4.8491% | 3,034 |
| Efficiency ratio | 70.0993% | 3,641 |
| Assets per employee ($millions) | 5.1455% | 2,031 |
| Cash dividends to net income (ytd only)* | 21.9643% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 1,240 |
| Loan loss allowance to noncurrent loans | 170.8062% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 3,538 |
| Noncurrent loans to loans | 1.2120% | 2,807 |
| Net loans and leases to total assets | 64.5491% | 2,991 |
| Net loans and leases to deposits | 73.4321% | 3,396 |
| Net loans and leases to core deposits | 81.9690% | 2,976 |
| Total domestic deposits to total assets | 87.9032% | 1,963 |
| Equity capital to assets | 9.4881% | 4,764 |
| Core capital (leverage) ratio | 9.0265% | 4,979 |
| Tier 1 risk-based capital ratio | 11.6586% | 5,713 |
| Total risk-based capital ratio | 12.9151% | 5,661 |
| Memoranda: | ||
| Average total assets | $444,901,330 | 1,501 |
| Average earning assets | $404,146,670 | 1,515 |
| Average equity | $40,149,670 | 1,774 |
| Average total loans | $284,732,330 | 1,499 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 2,957 |
| Cost of funding earning assets | 0.3791% | 4,210 |
| Net interest margin | 3.7980% | 2,480 |
| Noninterest income to average assets | 0.4430% | 3,841 |
| Noninterest expense to average assets | 2.8362% | 3,434 |
| Loan and lease loss provision to assets | 0.0986% | 2,277 |
| Net operating income to assets | 0.6396% | 3,996 |
| Return on assets (ROA) | 0.6402% | 4,086 |
| Pretax return on assets | 0.9496% | 3,521 |
| Return on Equity (ROE) | 7.2799% | 3,319 |
| Retained earnings to average equity (ytd only) | 3.5176% | 4,020 |
| Net charge-offs to loans | -0.0100% | 5,044 |
| Credit loss provision to net charge-offs | -1,571.4286% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5006% | 3,402 |
| Assets per employee ($millions) | 5.1740% | 2,038 |
| Cash dividends to net income (ytd only)* | 51.6807% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 958 |
| Loan loss allowance to noncurrent loans | 140.4015% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 3,129 |
| Noncurrent loans to loans | 1.6766% | 2,314 |
| Net loans and leases to total assets | 61.2935% | 3,346 |
| Net loans and leases to deposits | 68.8152% | 3,760 |
| Net loans and leases to core deposits | 76.9245% | 3,315 |
| Total domestic deposits to total assets | 89.0696% | 1,612 |
| Equity capital to assets | 8.9154% | 5,210 |
| Core capital (leverage) ratio | 8.5747% | 5,555 |
| Tier 1 risk-based capital ratio | 11.5887% | 5,866 |
| Total risk-based capital ratio | 12.8479% | 5,813 |
| Memoranda: | ||
| Average total assets | $446,095,000 | 1,499 |
| Average earning assets | $404,110,500 | 1,520 |
| Average equity | $39,231,500 | 1,800 |
| Average total loans | $281,260,000 | 1,525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 2,666 |
| Cost of funding earning assets | 0.4161% | 4,470 |
| Net interest margin | 3.9615% | 2,061 |
| Noninterest income to average assets | 0.5751% | 3,248 |
| Noninterest expense to average assets | 2.8366% | 3,586 |
| Loan and lease loss provision to assets | 0.2844% | 1,212 |
| Net operating income to assets | 0.6884% | 3,855 |
| Return on assets (ROA) | 0.7304% | 3,741 |
| Pretax return on assets | 1.1132% | 2,908 |
| Return on Equity (ROE) | 8.1875% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.3550% | 1,293 |
| Net charge-offs to loans | 0.1157% | 3,652 |
| Credit loss provision to net charge-offs | 390.3226% | 583 |
| Earnings coverage of net charge-offs (x) | 18.3097% | 1,658 |
| Efficiency ratio | 67.5533% | 4,282 |
| Assets per employee ($millions) | 5.2003% | 1,962 |
| Cash dividends to net income (ytd only)* | 10.1673% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 1,062 |
| Loan loss allowance to noncurrent loans | 177.0770% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 3,814 |
| Noncurrent loans to loans | 1.2877% | 2,982 |
| Net loans and leases to total assets | 61.8822% | 3,384 |
| Net loans and leases to deposits | 69.8867% | 3,796 |
| Net loans and leases to core deposits | 78.4073% | 3,309 |
| Total domestic deposits to total assets | 88.5464% | 1,888 |
| Equity capital to assets | 8.6741% | 5,401 |
| Core capital (leverage) ratio | 8.5634% | 5,596 |
| Tier 1 risk-based capital ratio | 11.2619% | 6,043 |
| Total risk-based capital ratio | 12.5201% | 5,980 |
| Memoranda: | ||
| Average total assets | $425,512,600 | 1,554 |
| Average earning assets | $386,193,400 | 1,562 |
| Average equity | $37,960,400 | 1,827 |
| Average total loans | $267,830,600 | 1,564 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,619 |
| Cost of funding earning assets | 0.4218% | 4,589 |
| Net interest margin | 3.9706% | 2,042 |
| Noninterest income to average assets | 0.6037% | 3,128 |
| Noninterest expense to average assets | 2.9800% | 3,053 |
| Loan and lease loss provision to assets | 0.2793% | 1,248 |
| Net operating income to assets | 0.6270% | 4,231 |
| Return on assets (ROA) | 0.6716% | 4,149 |
| Pretax return on assets | 1.0179% | 3,432 |
| Return on Equity (ROE) | 7.4731% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,207 |
| Net charge-offs to loans | 0.1217% | 3,329 |
| Credit loss provision to net charge-offs | 365.1452% | 722 |
| Earnings coverage of net charge-offs (x) | 16.0744% | 1,827 |
| Efficiency ratio | 70.3838% | 3,694 |
| Assets per employee ($millions) | 5.0186% | 2,141 |
| Cash dividends to net income (ytd only)* | 14.9338% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2599% | 1,236 |
| Loan loss allowance to noncurrent loans | 598.1660% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 5,480 |
| Noncurrent loans to loans | 0.3778% | 5,270 |
| Net loans and leases to total assets | 60.6865% | 3,582 |
| Net loans and leases to deposits | 67.8074% | 4,084 |
| Net loans and leases to core deposits | 77.0633% | 3,489 |
| Total domestic deposits to total assets | 89.4984% | 1,299 |
| Equity capital to assets | 8.5437% | 5,681 |
| Core capital (leverage) ratio | 8.5118% | 5,758 |
| Tier 1 risk-based capital ratio | 11.2996% | 6,145 |
| Total risk-based capital ratio | 12.5576% | 6,110 |
| Memoranda: | ||
| Average total assets | $420,083,500 | 1,579 |
| Average earning assets | $381,490,250 | 1,592 |
| Average equity | $37,752,250 | 1,849 |
| Average total loans | $263,985,000 | 1,582 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 2,265 |
| Cost of funding earning assets | 0.4241% | 4,714 |
| Net interest margin | 4.0586% | 1,667 |
| Noninterest income to average assets | 0.6249% | 3,052 |
| Noninterest expense to average assets | 3.0405% | 2,873 |
| Loan and lease loss provision to assets | 0.2664% | 1,393 |
| Net operating income to assets | 0.6658% | 3,994 |
| Return on assets (ROA) | 0.7329% | 3,812 |
| Pretax return on assets | 1.1199% | 3,014 |
| Return on Equity (ROE) | 8.0140% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.3402% | 2,239 |
| Net charge-offs to loans | 0.0952% | 3,416 |
| Credit loss provision to net charge-offs | 443.5484% | 612 |
| Earnings coverage of net charge-offs (x) | 21.3629% | 1,418 |
| Efficiency ratio | 70.0314% | 3,818 |
| Assets per employee ($millions) | 4.7136% | 2,491 |
| Cash dividends to net income (ytd only)* | 20.8857% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2612% | 1,318 |
| Loan loss allowance to noncurrent loans | 398.9333% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,157 |
| Noncurrent loans to loans | 0.5668% | 4,843 |
| Net loans and leases to total assets | 60.9709% | 3,490 |
| Net loans and leases to deposits | 68.9110% | 3,870 |
| Net loans and leases to core deposits | 78.6191% | 3,212 |
| Total domestic deposits to total assets | 88.4777% | 1,930 |
| Equity capital to assets | 8.7815% | 5,462 |
| Core capital (leverage) ratio | 8.5910% | 5,567 |
| Tier 1 risk-based capital ratio | 11.4692% | 6,125 |
| Total risk-based capital ratio | 12.7271% | 6,086 |
| Memoranda: | ||
| Average total assets | $412,899,000 | 1,607 |
| Average earning assets | $376,288,000 | 1,614 |
| Average equity | $37,759,000 | 1,862 |
| Average total loans | $260,576,330 | 1,598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,539 |
| Cost of funding earning assets | 0.4212% | 4,900 |
| Net interest margin | 4.2779% | 1,009 |
| Noninterest income to average assets | 0.6699% | 2,759 |
| Noninterest expense to average assets | 2.9290% | 3,234 |
| Loan and lease loss provision to assets | 0.2161% | 1,718 |
| Net operating income to assets | 0.9276% | 2,534 |
| Return on assets (ROA) | 0.9282% | 2,674 |
| Pretax return on assets | 1.4458% | 1,717 |
| Return on Equity (ROE) | 9.9442% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.6190% | 2,355 |
| Net charge-offs to loans | -0.0015% | 5,151 |
| Credit loss provision to net charge-offs | -22,000.0000% | 5,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5352% | 5,079 |
| Assets per employee ($millions) | 4.8893% | 2,363 |
| Cash dividends to net income (ytd only)* | 33.4392% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2818% | 1,443 |
| Loan loss allowance to noncurrent loans | 383.2228% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 5,215 |
| Noncurrent loans to loans | 0.5954% | 4,948 |
| Net loans and leases to total assets | 60.2604% | 3,381 |
| Net loans and leases to deposits | 68.5746% | 3,698 |
| Net loans and leases to core deposits | 78.8822% | 2,948 |
| Total domestic deposits to total assets | 87.8758% | 2,399 |
| Equity capital to assets | 9.3239% | 5,102 |
| Core capital (leverage) ratio | 8.9002% | 5,057 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,969 |
| Total risk-based capital ratio | 13.1721% | 5,932 |
| Memoranda: | ||
| Average total assets | $407,237,500 | 1,648 |
| Average earning assets | $373,176,500 | 1,642 |
| Average equity | $38,012,000 | 1,864 |
| Average total loans | $258,546,500 | 1,620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,727 |
| Cost of funding earning assets | 0.5822% | 4,514 |
| Net interest margin | 4.0838% | 2,068 |
| Noninterest income to average assets | 0.8649% | 1,972 |
| Noninterest expense to average assets | 2.7156% | 4,344 |
| Loan and lease loss provision to assets | 0.5069% | 1,160 |
| Net operating income to assets | 0.8965% | 2,836 |
| Return on assets (ROA) | 0.8987% | 3,065 |
| Pretax return on assets | 1.3948% | 2,055 |
| Return on Equity (ROE) | 9.6652% | 2,330 |
| Retained earnings to average equity (ytd only) | 8.9362% | 846 |
| Net charge-offs to loans | 0.3630% | 2,816 |
| Credit loss provision to net charge-offs | 216.3916% | 1,171 |
| Earnings coverage of net charge-offs (x) | 8.1034% | 2,472 |
| Efficiency ratio | 58.5600% | 5,753 |
| Assets per employee ($millions) | 5.1111% | 2,081 |
| Cash dividends to net income (ytd only)* | 7.5423% | 4,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 1,755 |
| Loan loss allowance to noncurrent loans | 401.0101% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 5,376 |
| Noncurrent loans to loans | 0.5253% | 5,218 |
| Net loans and leases to total assets | 63.9629% | 2,903 |
| Net loans and leases to deposits | 72.8549% | 3,276 |
| Net loans and leases to core deposits | 82.0348% | 2,767 |
| Total domestic deposits to total assets | 87.7950% | 2,350 |
| Equity capital to assets | 9.3445% | 5,091 |
| Core capital (leverage) ratio | 8.9950% | 4,905 |
| Tier 1 risk-based capital ratio | 11.5367% | 6,074 |
| Total risk-based capital ratio | 12.7938% | 6,036 |
| Memoranda: | ||
| Average total assets | $388,011,400 | 1,686 |
| Average earning assets | $356,214,800 | 1,672 |
| Average equity | $36,078,000 | 1,917 |
| Average total loans | $250,427,000 | 1,643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 2,590 |
| Cost of funding earning assets | 0.6178% | 4,473 |
| Net interest margin | 4.1295% | 1,981 |
| Noninterest income to average assets | 0.8602% | 1,980 |
| Noninterest expense to average assets | 2.7387% | 4,217 |
| Loan and lease loss provision to assets | 0.4374% | 1,445 |
| Net operating income to assets | 0.9473% | 2,759 |
| Return on assets (ROA) | 0.9501% | 2,975 |
| Pretax return on assets | 1.4823% | 1,946 |
| Return on Equity (ROE) | 10.2321% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.2489% | 1,141 |
| Net charge-offs to loans | 0.4511% | 2,300 |
| Credit loss provision to net charge-offs | 150.7177% | 1,872 |
| Earnings coverage of net charge-offs (x) | 6.5993% | 2,757 |
| Efficiency ratio | 58.5559% | 5,712 |
| Assets per employee ($millions) | 4.9244% | 2,289 |
| Cash dividends to net income (ytd only)* | 9.6091% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 1,963 |
| Loan loss allowance to noncurrent loans | 1,011.2936% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 6,103 |
| Noncurrent loans to loans | 0.2053% | 6,096 |
| Net loans and leases to total assets | 59.7158% | 3,836 |
| Net loans and leases to deposits | 68.0773% | 4,170 |
| Net loans and leases to core deposits | 77.9669% | 3,467 |
| Total domestic deposits to total assets | 87.7176% | 2,214 |
| Equity capital to assets | 9.5875% | 5,086 |
| Core capital (leverage) ratio | 8.8586% | 5,257 |
| Tier 1 risk-based capital ratio | 12.2633% | 5,796 |
| Total risk-based capital ratio | 13.5192% | 5,766 |
| Memoranda: | ||
| Average total assets | $384,070,250 | 1,718 |
| Average earning assets | $352,831,750 | 1,709 |
| Average equity | $35,664,750 | 1,953 |
| Average total loans | $247,077,500 | 1,681 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 2,398 |
| Cost of funding earning assets | 0.6509% | 4,435 |
| Net interest margin | 4.1758% | 1,829 |
| Noninterest income to average assets | 0.6919% | 2,711 |
| Noninterest expense to average assets | 2.7018% | 4,415 |
| Loan and lease loss provision to assets | 0.4393% | 1,480 |
| Net operating income to assets | 0.8983% | 2,917 |
| Return on assets (ROA) | 0.9027% | 3,167 |
| Pretax return on assets | 1.4063% | 2,173 |
| Return on Equity (ROE) | 9.8291% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.3314% | 1,505 |
| Net charge-offs to loans | 0.5296% | 2,003 |
| Credit loss provision to net charge-offs | 126.6968% | 2,167 |
| Earnings coverage of net charge-offs (x) | 5.3032% | 2,862 |
| Efficiency ratio | 59.2029% | 5,709 |
| Assets per employee ($millions) | 4.9691% | 2,215 |
| Cash dividends to net income (ytd only)* | 15.2375% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 2,454 |
| Loan loss allowance to noncurrent loans | 887.4763% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,129 |
| Noncurrent loans to loans | 0.2171% | 6,148 |
| Net loans and leases to total assets | 62.2279% | 3,382 |
| Net loans and leases to deposits | 71.3506% | 3,711 |
| Net loans and leases to core deposits | 81.0605% | 3,078 |
| Total domestic deposits to total assets | 87.2143% | 2,643 |
| Equity capital to assets | 9.3998% | 5,194 |
| Core capital (leverage) ratio | 8.8343% | 5,161 |
| Tier 1 risk-based capital ratio | 11.6832% | 6,116 |
| Total risk-based capital ratio | 12.9379% | 6,096 |
| Memoranda: | ||
| Average total assets | $382,417,670 | 1,726 |
| Average earning assets | $352,457,000 | 1,709 |
| Average equity | $35,120,330 | 1,968 |
| Average total loans | $250,358,000 | 1,659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 2,079 |
| Cost of funding earning assets | 0.6770% | 4,494 |
| Net interest margin | 4.2658% | 1,574 |
| Noninterest income to average assets | 0.6476% | 2,941 |
| Noninterest expense to average assets | 2.5006% | 5,147 |
| Loan and lease loss provision to assets | 0.4394% | 1,424 |
| Net operating income to assets | 1.0473% | 2,296 |
| Return on assets (ROA) | 1.0473% | 2,487 |
| Pretax return on assets | 1.6500% | 1,432 |
| Return on Equity (ROE) | 11.5397% | 1,825 |
| Retained earnings to average equity (ytd only) | 8.5078% | 1,777 |
| Net charge-offs to loans | 0.7728% | 1,330 |
| Credit loss provision to net charge-offs | 85.5397% | 2,630 |
| Earnings coverage of net charge-offs (x) | 4.0672% | 2,670 |
| Efficiency ratio | 54.1828% | 6,328 |
| Assets per employee ($millions) | 5.1583% | 2,050 |
| Cash dividends to net income (ytd only)* | 26.2737% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 3,147 |
| Loan loss allowance to noncurrent loans | 1,118.4343% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,169 |
| Noncurrent loans to loans | 0.1569% | 6,365 |
| Net loans and leases to total assets | 64.9699% | 2,657 |
| Net loans and leases to deposits | 74.1067% | 3,113 |
| Net loans and leases to core deposits | 85.0818% | 2,396 |
| Total domestic deposits to total assets | 87.6708% | 2,542 |
| Equity capital to assets | 9.1965% | 5,238 |
| Core capital (leverage) ratio | 8.5987% | 5,447 |
| Tier 1 risk-based capital ratio | 11.4369% | 6,320 |
| Total risk-based capital ratio | 12.6904% | 6,298 |
| Memoranda: | ||
| Average total assets | $382,314,500 | 1,733 |
| Average earning assets | $353,318,000 | 1,715 |
| Average equity | $34,697,500 | 1,991 |
| Average total loans | $254,149,000 | 1,635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 3,191 |
| Cost of funding earning assets | 0.8987% | 4,123 |
| Net interest margin | 4.0345% | 2,711 |
| Noninterest income to average assets | 0.4637% | 4,103 |
| Noninterest expense to average assets | 2.7168% | 4,683 |
| Loan and lease loss provision to assets | 0.5007% | 2,100 |
| Net operating income to assets | 0.6182% | 3,896 |
| Return on assets (ROA) | 0.7151% | 3,597 |
| Pretax return on assets | 1.1123% | 2,790 |
| Return on Equity (ROE) | 7.7430% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.7430% | 1,175 |
| Net charge-offs to loans | 0.4963% | 3,009 |
| Credit loss provision to net charge-offs | 156.5719% | 1,793 |
| Earnings coverage of net charge-offs (x) | 4.5710% | 3,063 |
| Efficiency ratio | 64.7682% | 4,991 |
| Assets per employee ($millions) | 5.4702% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 2,991 |
| Loan loss allowance to noncurrent loans | 254.3810% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,223 |
| Noncurrent loans to loans | 0.6914% | 5,318 |
| Net loans and leases to total assets | 65.6463% | 2,847 |
| Net loans and leases to deposits | 74.4743% | 3,425 |
| Net loans and leases to core deposits | 85.8827% | 2,649 |
| Total domestic deposits to total assets | 88.1463% | 2,066 |
| Equity capital to assets | 8.9552% | 5,595 |
| Core capital (leverage) ratio | 8.6054% | 5,388 |
| Tier 1 risk-based capital ratio | 11.1104% | 6,397 |
| Total risk-based capital ratio | 12.3642% | 6,377 |
| Memoranda: | ||
| Average total assets | $352,142,200 | 1,839 |
| Average earning assets | $324,228,200 | 1,821 |
| Average equity | $32,519,600 | 2,050 |
| Average total loans | $226,898,400 | 1,828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 3,302 |
| Cost of funding earning assets | 0.9529% | 4,022 |
| Net interest margin | 4.0039% | 2,902 |
| Noninterest income to average assets | 0.4614% | 4,208 |
| Noninterest expense to average assets | 2.8025% | 4,335 |
| Loan and lease loss provision to assets | 0.5942% | 1,659 |
| Net operating income to assets | 0.4829% | 4,614 |
| Return on assets (ROA) | 0.6011% | 4,262 |
| Pretax return on assets | 0.9274% | 3,665 |
| Return on Equity (ROE) | 6.4552% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.4552% | 2,259 |
| Net charge-offs to loans | 0.6835% | 2,205 |
| Credit loss provision to net charge-offs | 136.3233% | 2,341 |
| Earnings coverage of net charge-offs (x) | 3.0737% | 3,599 |
| Efficiency ratio | 66.3489% | 4,649 |
| Assets per employee ($millions) | 5.4308% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,738 |
| Loan loss allowance to noncurrent loans | 241.4924% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 5,217 |
| Noncurrent loans to loans | 0.7714% | 5,327 |
| Net loans and leases to total assets | 61.8483% | 3,762 |
| Net loans and leases to deposits | 69.4029% | 4,403 |
| Net loans and leases to core deposits | 81.2812% | 3,444 |
| Total domestic deposits to total assets | 89.1149% | 1,359 |
| Equity capital to assets | 9.1649% | 5,564 |
| Core capital (leverage) ratio | 8.7244% | 5,371 |
| Tier 1 risk-based capital ratio | 12.0784% | 5,843 |
| Total risk-based capital ratio | 13.3334% | 5,825 |
| Memoranda: | ||
| Average total assets | $344,448,500 | 1,888 |
| Average earning assets | $316,651,500 | 1,867 |
| Average equity | $32,076,750 | 2,070 |
| Average total loans | $219,655,250 | 1,887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 3,275 |
| Cost of funding earning assets | 0.9846% | 4,053 |
| Net interest margin | 3.9924% | 2,872 |
| Noninterest income to average assets | 0.3450% | 5,121 |
| Noninterest expense to average assets | 2.7978% | 4,424 |
| Loan and lease loss provision to assets | 0.5563% | 1,735 |
| Net operating income to assets | 0.4426% | 4,753 |
| Return on assets (ROA) | 0.4426% | 4,892 |
| Pretax return on assets | 0.6764% | 4,477 |
| Return on Equity (ROE) | 4.7263% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.7263% | 3,178 |
| Net charge-offs to loans | 1.0405% | 1,514 |
| Credit loss provision to net charge-offs | 83.4813% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.8499% | 3,945 |
| Efficiency ratio | 69.0501% | 4,323 |
| Assets per employee ($millions) | 5.3151% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,466 |
| Loan loss allowance to noncurrent loans | 250.1361% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,003 |
| Noncurrent loans to loans | 0.6628% | 5,583 |
| Net loans and leases to total assets | 61.2484% | 4,037 |
| Net loans and leases to deposits | 68.5280% | 4,630 |
| Net loans and leases to core deposits | 79.4055% | 3,871 |
| Total domestic deposits to total assets | 89.3771% | 1,315 |
| Equity capital to assets | 9.1284% | 5,383 |
| Core capital (leverage) ratio | 8.6388% | 5,328 |
| Tier 1 risk-based capital ratio | 12.0257% | 5,769 |
| Total risk-based capital ratio | 13.2781% | 5,728 |
| Memoranda: | ||
| Average total assets | $337,976,000 | 1,927 |
| Average earning assets | $311,991,330 | 1,906 |
| Average equity | $31,653,000 | 2,083 |
| Average total loans | $216,434,670 | 1,936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 3,256 |
| Cost of funding earning assets | 0.9698% | 4,424 |
| Net interest margin | 3.9980% | 2,686 |
| Noninterest income to average assets | 0.3539% | 5,068 |
| Noninterest expense to average assets | 2.7935% | 4,469 |
| Loan and lease loss provision to assets | 0.6324% | 1,364 |
| Net operating income to assets | 0.4256% | 4,822 |
| Return on assets (ROA) | 0.4256% | 4,915 |
| Pretax return on assets | 0.6482% | 4,495 |
| Return on Equity (ROE) | 4.4834% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.4834% | 3,488 |
| Net charge-offs to loans | 0.1385% | 3,683 |
| Credit loss provision to net charge-offs | 702.7027% | 541 |
| Earnings coverage of net charge-offs (x) | 14.2297% | 1,382 |
| Efficiency ratio | 68.2687% | 4,605 |
| Assets per employee ($millions) | 5.3921% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,627 |
| Loan loss allowance to noncurrent loans | 153.5638% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 4,729 |
| Noncurrent loans to loans | 1.2498% | 4,596 |
| Net loans and leases to total assets | 62.8303% | 3,692 |
| Net loans and leases to deposits | 70.1589% | 4,323 |
| Net loans and leases to core deposits | 81.1472% | 3,581 |
| Total domestic deposits to total assets | 89.5542% | 1,451 |
| Equity capital to assets | 9.0172% | 5,180 |
| Core capital (leverage) ratio | 9.1949% | 4,295 |
| Tier 1 risk-based capital ratio | 11.7251% | 5,916 |
| Total risk-based capital ratio | 12.9802% | 5,916 |
| Memoranda: | ||
| Average total assets | $328,909,500 | 1,989 |
| Average earning assets | $306,055,500 | 1,947 |
| Average equity | $31,226,000 | 2,099 |
| Average total loans | $213,758,000 | 1,981 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 3,732 |
| Cost of funding earning assets | 1.1623% | 4,780 |
| Net interest margin | 4.0111% | 2,973 |
| Noninterest income to average assets | 0.3619% | 5,214 |
| Noninterest expense to average assets | 2.8843% | 4,300 |
| Loan and lease loss provision to assets | 0.5979% | 2,748 |
| Net operating income to assets | 0.8575% | 2,559 |
| Return on assets (ROA) | 0.8575% | 2,698 |
| Pretax return on assets | 0.6325% | 4,220 |
| Return on Equity (ROE) | 9.4903% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.4903% | 605 |
| Net charge-offs to loans | 0.2646% | 4,710 |
| Credit loss provision to net charge-offs | 339.3574% | 759 |
| Earnings coverage of net charge-offs (x) | 6.9839% | 2,228 |
| Efficiency ratio | 70.0972% | 4,162 |
| Assets per employee ($millions) | 4.5871% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 2,556 |
| Loan loss allowance to noncurrent loans | 189.3627% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 5,000 |
| Noncurrent loans to loans | 1.0049% | 5,057 |
| Net loans and leases to total assets | 64.7938% | 3,713 |
| Net loans and leases to deposits | 74.2533% | 4,153 |
| Net loans and leases to core deposits | 87.3724% | 3,138 |
| Total domestic deposits to total assets | 87.2605% | 2,691 |
| Equity capital to assets | 10.0373% | 3,700 |
| Core capital (leverage) ratio | 10.0028% | 3,089 |
| Tier 1 risk-based capital ratio | 13.0816% | 4,537 |
| Total risk-based capital ratio | 14.3367% | 4,494 |
| Memoranda: | ||
| Average total assets | $282,671,400 | 2,268 |
| Average earning assets | $264,468,600 | 2,219 |
| Average equity | $25,542,000 | 2,495 |
| Average total loans | $188,229,400 | 2,262 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 3,676 |
| Cost of funding earning assets | 1.1995% | 4,867 |
| Net interest margin | 4.0324% | 2,945 |
| Noninterest income to average assets | 0.4094% | 4,885 |
| Noninterest expense to average assets | 2.8922% | 4,126 |
| Loan and lease loss provision to assets | 0.5352% | 2,798 |
| Net operating income to assets | 1.1216% | 1,821 |
| Return on assets (ROA) | 1.1216% | 1,931 |
| Pretax return on assets | 0.7556% | 4,064 |
| Return on Equity (ROE) | 12.8069% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.8069% | 370 |
| Net charge-offs to loans | 0.2825% | 4,250 |
| Credit loss provision to net charge-offs | 283.8875% | 1,140 |
| Earnings coverage of net charge-offs (x) | 6.8465% | 2,438 |
| Efficiency ratio | 69.1412% | 4,238 |
| Assets per employee ($millions) | 5.1157% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,760 |
| Loan loss allowance to noncurrent loans | 394.1860% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 5,651 |
| Noncurrent loans to loans | 0.4587% | 6,269 |
| Net loans and leases to total assets | 60.9953% | 4,718 |
| Net loans and leases to deposits | 68.1172% | 5,401 |
| Net loans and leases to core deposits | 81.0218% | 4,380 |
| Total domestic deposits to total assets | 89.5447% | 1,101 |
| Equity capital to assets | 8.4422% | 6,342 |
| Core capital (leverage) ratio | 8.3886% | 5,718 |
| Tier 1 risk-based capital ratio | 11.0165% | 6,370 |
| Total risk-based capital ratio | 12.2701% | 6,341 |
| Memoranda: | ||
| Average total assets | $276,505,500 | 2,343 |
| Average earning assets | $258,763,750 | 2,300 |
| Average equity | $24,215,500 | 2,683 |
| Average total loans | $184,537,500 | 2,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 3,378 |
| Cost of funding earning assets | 1.2393% | 4,897 |
| Net interest margin | 4.0792% | 2,661 |
| Noninterest income to average assets | 0.3148% | 5,638 |
| Noninterest expense to average assets | 2.7650% | 4,640 |
| Loan and lease loss provision to assets | 0.5596% | 2,533 |
| Net operating income to assets | 1.3795% | 1,127 |
| Return on assets (ROA) | 1.3795% | 1,196 |
| Pretax return on assets | 0.8065% | 3,855 |
| Return on Equity (ROE) | 15.5419% | 757 |
| Retained earnings to average equity (ytd only) | 15.5419% | 212 |
| Net charge-offs to loans | 0.4075% | 3,351 |
| Credit loss provision to net charge-offs | 200.5348% | 1,954 |
| Earnings coverage of net charge-offs (x) | 4.8957% | 2,812 |
| Efficiency ratio | 66.9316% | 4,779 |
| Assets per employee ($millions) | 4.7767% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 3,216 |
| Loan loss allowance to noncurrent loans | 439.0490% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 5,705 |
| Noncurrent loans to loans | 0.3786% | 6,480 |
| Net loans and leases to total assets | 65.0609% | 4,031 |
| Net loans and leases to deposits | 73.5612% | 4,746 |
| Net loans and leases to core deposits | 87.6148% | 3,598 |
| Total domestic deposits to total assets | 88.4446% | 1,763 |
| Equity capital to assets | 9.1168% | 5,268 |
| Core capital (leverage) ratio | 8.8331% | 4,860 |
| Tier 1 risk-based capital ratio | 11.1751% | 6,067 |
| Total risk-based capital ratio | 12.4273% | 6,057 |
| Memoranda: | ||
| Average total assets | $268,064,670 | 2,437 |
| Average earning assets | $250,785,670 | 2,388 |
| Average equity | $23,793,670 | 2,713 |
| Average total loans | $183,553,000 | 2,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4253% | 2,919 |
| Cost of funding earning assets | 1.2781% | 4,944 |
| Net interest margin | 4.1472% | 2,244 |
| Noninterest income to average assets | 0.3597% | 5,262 |
| Noninterest expense to average assets | 2.7575% | 4,661 |
| Loan and lease loss provision to assets | 0.5463% | 2,316 |
| Net operating income to assets | 0.9197% | 2,476 |
| Return on assets (ROA) | 0.9197% | 2,540 |
| Pretax return on assets | 0.9364% | 3,321 |
| Return on Equity (ROE) | 10.5110% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.5110% | 1,036 |
| Net charge-offs to loans | 0.2047% | 3,687 |
| Credit loss provision to net charge-offs | 382.9787% | 1,056 |
| Earnings coverage of net charge-offs (x) | 10.3936% | 1,748 |
| Efficiency ratio | 65.0322% | 5,302 |
| Assets per employee ($millions) | 4.9584% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,427 |
| Loan loss allowance to noncurrent loans | 466.9316% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 5,400 |
| Noncurrent loans to loans | 0.3434% | 6,615 |
| Net loans and leases to total assets | 68.5808% | 3,262 |
| Net loans and leases to deposits | 78.0197% | 4,036 |
| Net loans and leases to core deposits | 93.2485% | 2,941 |
| Total domestic deposits to total assets | 87.9020% | 2,115 |
| Equity capital to assets | 8.9385% | 5,372 |
| Core capital (leverage) ratio | 8.5658% | 5,262 |
| Tier 1 risk-based capital ratio | 10.8233% | 6,321 |
| Total risk-based capital ratio | 12.0753% | 6,300 |
| Memoranda: | ||
| Average total assets | $263,573,000 | 2,532 |
| Average earning assets | $246,624,000 | 2,486 |
| Average equity | $23,061,500 | 2,815 |
| Average total loans | $183,681,000 | 2,442 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 3,448 |
| Cost of funding earning assets | 1.9657% | 3,124 |
| Net interest margin | 3.6640% | 4,292 |
| Noninterest income to average assets | 0.3768% | 5,400 |
| Noninterest expense to average assets | 2.7485% | 5,171 |
| Loan and lease loss provision to assets | 1.0213% | 2,234 |
| Net operating income to assets | 0.0318% | 5,391 |
| Return on assets (ROA) | 0.1332% | 5,162 |
| Pretax return on assets | 0.1397% | 5,140 |
| Return on Equity (ROE) | 1.4856% | 5,095 |
| Retained earnings to average equity (ytd only) | 1.4856% | 4,027 |
| Net charge-offs to loans | 1.1050% | 2,211 |
| Credit loss provision to net charge-offs | 124.2069% | 4,229 |
| Earnings coverage of net charge-offs (x) | 1.2821% | 4,847 |
| Efficiency ratio | 72.2773% | 4,223 |
| Assets per employee ($millions) | 4.8954% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 3,976 |
| Loan loss allowance to noncurrent loans | 695.5729% | 502 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 5,033 |
| Noncurrent loans to loans | 0.2085% | 6,905 |
| Net loans and leases to total assets | 68.6689% | 3,555 |
| Net loans and leases to deposits | 78.4568% | 4,282 |
| Net loans and leases to core deposits | 105.9430% | 3,344 |
| Total domestic deposits to total assets | 87.5245% | 2,203 |
| Equity capital to assets | 8.5617% | 5,786 |
| Core capital (leverage) ratio | 8.1185% | 5,960 |
| Tier 1 risk-based capital ratio | 10.4682% | 6,432 |
| Total risk-based capital ratio | 11.7184% | 6,400 |
| Memoranda: | ||
| Average total assets | $249,194,000 | 2,614 |
| Average earning assets | $232,999,800 | 2,571 |
| Average equity | $22,347,200 | 2,904 |
| Average total loans | $185,426,000 | 2,451 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6559% | 3,539 |
| Cost of funding earning assets | 2.0853% | 2,956 |
| Net interest margin | 3.5706% | 4,591 |
| Noninterest income to average assets | 0.3776% | 5,492 |
| Noninterest expense to average assets | 2.9828% | 4,115 |
| Loan and lease loss provision to assets | 0.6900% | 2,670 |
| Net operating income to assets | 0.0452% | 5,615 |
| Return on assets (ROA) | 0.1527% | 5,369 |
| Pretax return on assets | 0.1592% | 5,387 |
| Return on Equity (ROE) | 1.6819% | 5,273 |
| Retained earnings to average equity (ytd only) | 1.6819% | 4,368 |
| Net charge-offs to loans | 0.8665% | 2,235 |
| Credit loss provision to net charge-offs | 105.2196% | 4,828 |
| Earnings coverage of net charge-offs (x) | 1.1243% | 4,937 |
| Efficiency ratio | 80.1811% | 2,814 |
| Assets per employee ($millions) | 4.8442% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 5,057 |
| Loan loss allowance to noncurrent loans | 149.6990% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 4,305 |
| Noncurrent loans to loans | 0.8073% | 5,688 |
| Net loans and leases to total assets | 68.6668% | 3,801 |
| Net loans and leases to deposits | 78.9417% | 4,574 |
| Net loans and leases to core deposits | 109.1992% | 3,327 |
| Total domestic deposits to total assets | 86.9842% | 2,188 |
| Equity capital to assets | 8.4502% | 6,312 |
| Core capital (leverage) ratio | 8.4238% | 5,631 |
| Tier 1 risk-based capital ratio | 10.3654% | 6,609 |
| Total risk-based capital ratio | 11.4299% | 6,742 |
| Memoranda: | ||
| Average total assets | $245,404,750 | 2,670 |
| Average earning assets | $229,724,750 | 2,619 |
| Average equity | $22,275,750 | 2,937 |
| Average total loans | $185,733,000 | 2,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7475% | 3,308 |
| Cost of funding earning assets | 2.1731% | 2,916 |
| Net interest margin | 3.5745% | 4,472 |
| Noninterest income to average assets | 0.4295% | 5,037 |
| Noninterest expense to average assets | 3.0865% | 3,754 |
| Loan and lease loss provision to assets | 0.5118% | 2,976 |
| Net operating income to assets | 0.1930% | 5,287 |
| Return on assets (ROA) | 0.1955% | 5,359 |
| Pretax return on assets | 0.1955% | 5,478 |
| Return on Equity (ROE) | 2.0994% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.0994% | 4,177 |
| Net charge-offs to loans | -0.0237% | 7,732 |
| Credit loss provision to net charge-offs | -2,772.7273% | 7,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4118% | 2,811 |
| Assets per employee ($millions) | 4.5634% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 3,551 |
| Loan loss allowance to noncurrent loans | 483.1325% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 5,846 |
| Noncurrent loans to loans | 0.2967% | 6,772 |
| Net loans and leases to total assets | 78.3295% | 1,674 |
| Net loans and leases to deposits | 90.9811% | 2,659 |
| Net loans and leases to core deposits | 123.4063% | 2,077 |
| Total domestic deposits to total assets | 86.0942% | 2,735 |
| Equity capital to assets | 9.0264% | 5,279 |
| Core capital (leverage) ratio | 8.8123% | 4,927 |
| Tier 1 risk-based capital ratio | 10.1688% | 6,748 |
| Total risk-based capital ratio | 11.4197% | 6,679 |
| Memoranda: | ||
| Average total assets | $238,396,330 | 2,768 |
| Average earning assets | $224,200,330 | 2,695 |
| Average equity | $22,196,330 | 2,951 |
| Average total loans | $185,915,000 | 2,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7314% | 3,635 |
| Cost of funding earning assets | 2.2161% | 3,082 |
| Net interest margin | 3.5153% | 4,666 |
| Noninterest income to average assets | 0.4642% | 4,644 |
| Noninterest expense to average assets | 3.0087% | 3,728 |
| Loan and lease loss provision to assets | 0.5120% | 2,424 |
| Net operating income to assets | 0.2406% | 5,525 |
| Return on assets (ROA) | 0.2458% | 5,667 |
| Pretax return on assets | 0.2458% | 5,836 |
| Return on Equity (ROE) | 2.5978% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.5978% | 4,435 |
| Net charge-offs to loans | -0.0111% | 7,296 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9909% | 2,826 |
| Assets per employee ($millions) | 4.4872% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 3,771 |
| Loan loss allowance to noncurrent loans | 425.3859% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 6,123 |
| Noncurrent loans to loans | 0.3184% | 6,646 |
| Net loans and leases to total assets | 75.9509% | 2,282 |
| Net loans and leases to deposits | 88.2891% | 3,238 |
| Net loans and leases to core deposits | 119.8514% | 2,427 |
| Total domestic deposits to total assets | 86.0253% | 2,705 |
| Equity capital to assets | 9.3818% | 4,832 |
| Core capital (leverage) ratio | 9.1755% | 4,442 |
| Tier 1 risk-based capital ratio | 10.5915% | 6,299 |
| Total risk-based capital ratio | 11.8071% | 6,246 |
| Memoranda: | ||
| Average total assets | $234,383,500 | 2,828 |
| Average earning assets | $219,841,000 | 2,767 |
| Average equity | $22,173,000 | 2,954 |
| Average total loans | $180,958,500 | 2,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3075% | 3,925 |
| Cost of funding earning assets | 2.5696% | 3,851 |
| Net interest margin | 3.7379% | 4,291 |
| Noninterest income to average assets | 0.2849% | 6,430 |
| Noninterest expense to average assets | 3.2627% | 3,103 |
| Loan and lease loss provision to assets | 0.4448% | 3,067 |
| Net operating income to assets | 0.0563% | 6,216 |
| Return on assets (ROA) | 0.1230% | 5,893 |
| Pretax return on assets | 0.1230% | 5,901 |
| Return on Equity (ROE) | 1.1529% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.1529% | 4,539 |
| Net charge-offs to loans | 0.2496% | 3,778 |
| Credit loss provision to net charge-offs | 228.9744% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.5795% | 4,793 |
| Efficiency ratio | 86.6861% | 1,787 |
| Assets per employee ($millions) | 4.3575% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,411 |
| Loan loss allowance to noncurrent loans | 459.8309% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 5,953 |
| Noncurrent loans to loans | 0.2645% | 6,582 |
| Net loans and leases to total assets | 76.4831% | 2,503 |
| Net loans and leases to deposits | 89.2867% | 3,580 |
| Net loans and leases to core deposits | 116.8346% | 3,023 |
| Total domestic deposits to total assets | 85.6602% | 2,560 |
| Equity capital to assets | 9.5408% | 4,623 |
| Core capital (leverage) ratio | 9.8032% | 3,640 |
| Tier 1 risk-based capital ratio | 10.6418% | 6,059 |
| Total risk-based capital ratio | 11.7215% | 6,119 |
| Memoranda: | ||
| Average total assets | $200,754,400 | 3,130 |
| Average earning assets | $186,840,400 | 3,088 |
| Average equity | $21,423,400 | 3,047 |
| Average total loans | $156,241,800 | 2,829 |