Home > Somerset Trust Company > Performance and Condition Ratios
Somerset Trust Company, 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 | 5.4702% | 1,204 |
| Cost of funding earning assets | 1.3104% | 2,487 |
| Net interest margin | 4.1598% | 991 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.1834% | 844 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.1260% | 1,836 |
| Return on assets (ROA) | 1.1157% | 1,851 |
| Pretax return on assets | 1.3129% | 1,837 |
| Return on Equity (ROE) | 19.6400% | 645 |
| Retained earnings to average equity (ytd only) | 16.2124% | 256 |
| Net charge-offs to loans | 0.0669% | 1,179 |
| Credit loss provision to net charge-offs | 380.7391% | 808 |
| Earnings coverage of net charge-offs (x) | 34.7122% | 1,537 |
| Efficiency ratio | 68.1683% | 2,092 |
| Assets per employee ($millions) | 4.9549% | 3,674 |
| Cash dividends to net income (ytd only)* | 17.4554% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,759 |
| Loan loss allowance to noncurrent loans | 184.9458% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 1,204 |
| Noncurrent loans to loans | 0.7038% | 1,106 |
| Net loans and leases to total assets | 64.7000% | 2,401 |
| Net loans and leases to deposits | 79.6393% | 2,145 |
| Net loans and leases to core deposits | 85.7642% | 2,322 |
| Total domestic deposits to total assets | 81.2500% | 3,263 |
| Equity capital to assets | 6.4753% | 4,126 |
| Core capital (leverage) ratio | 8.2301% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9799% | 2,589 |
| Memoranda: | ||
| Average total assets | $2,085,316,200 | 553 |
| Average earning assets | $1,921,544,000 | 542 |
| Average equity | $118,452,800 | 835 |
| Average total loans | $1,334,059,600 | 571 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 1,083 |
| Cost of funding earning assets | 1.2004% | 2,429 |
| Net interest margin | 4.2403% | 872 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 3.0438% | 999 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3452% | 1,433 |
| Return on assets (ROA) | 1.3314% | 1,452 |
| Pretax return on assets | 1.5822% | 1,395 |
| Return on Equity (ROE) | 24.3500% | 414 |
| Retained earnings to average equity (ytd only) | 20.7621% | 234 |
| Net charge-offs to loans | 0.0601% | 1,067 |
| Credit loss provision to net charge-offs | 254.6689% | 972 |
| Earnings coverage of net charge-offs (x) | 44.5552% | 1,385 |
| Efficiency ratio | 64.1460% | 2,480 |
| Assets per employee ($millions) | 4.7582% | 3,769 |
| Cash dividends to net income (ytd only)* | 14.7385% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,062 |
| Loan loss allowance to noncurrent loans | 255.6184% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 1,739 |
| Noncurrent loans to loans | 0.4922% | 1,591 |
| Net loans and leases to total assets | 64.0900% | 2,440 |
| Net loans and leases to deposits | 74.3235% | 2,536 |
| Net loans and leases to core deposits | 79.4934% | 2,638 |
| Total domestic deposits to total assets | 86.2300% | 2,124 |
| Equity capital to assets | 5.0539% | 4,238 |
| Core capital (leverage) ratio | 8.2968% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3106% | 2,509 |
| Memoranda: | ||
| Average total assets | $2,056,654,500 | 562 |
| Average earning assets | $1,893,752,250 | 552 |
| Average equity | $112,452,250 | 867 |
| Average total loans | $1,307,016,750 | 582 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 1,031 |
| Cost of funding earning assets | 1.1035% | 2,272 |
| Net interest margin | 4.2327% | 886 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.9653% | 1,094 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4365% | 1,243 |
| Return on assets (ROA) | 1.4157% | 1,274 |
| Pretax return on assets | 1.6872% | 1,241 |
| Return on Equity (ROE) | 25.2400% | 372 |
| Retained earnings to average equity (ytd only) | 21.7107% | 197 |
| Net charge-offs to loans | 0.0679% | 877 |
| Credit loss provision to net charge-offs | 114.4165% | 1,352 |
| Earnings coverage of net charge-offs (x) | 41.2494% | 1,382 |
| Efficiency ratio | 62.6706% | 2,630 |
| Assets per employee ($millions) | 4.7662% | 3,780 |
| Cash dividends to net income (ytd only)* | 13.9673% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,213 |
| Loan loss allowance to noncurrent loans | 256.6489% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 1,669 |
| Noncurrent loans to loans | 0.4842% | 1,504 |
| Net loans and leases to total assets | 62.7300% | 2,504 |
| Net loans and leases to deposits | 73.8525% | 2,511 |
| Net loans and leases to core deposits | 77.5128% | 2,656 |
| Total domestic deposits to total assets | 84.9400% | 2,559 |
| Equity capital to assets | 5.7963% | 4,201 |
| Core capital (leverage) ratio | 8.2238% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3156% | 2,530 |
| Memoranda: | ||
| Average total assets | $2,041,160,333 | 554 |
| Average earning assets | $1,883,534,667 | 542 |
| Average equity | $114,506,000 | 846 |
| Average total loans | $1,287,663,333 | 574 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 908 |
| Cost of funding earning assets | 1.0140% | 2,000 |
| Net interest margin | 4.2222% | 914 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.9043% | 1,228 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5079% | 1,171 |
| Return on assets (ROA) | 1.5079% | 1,149 |
| Pretax return on assets | 1.7971% | 1,072 |
| Return on Equity (ROE) | 27.3400% | 317 |
| Retained earnings to average equity (ytd only) | 23.7331% | 212 |
| Net charge-offs to loans | 0.0490% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 58.9872% | 1,031 |
| Efficiency ratio | 61.5349% | 2,750 |
| Assets per employee ($millions) | 4.7155% | 3,876 |
| Cash dividends to net income (ytd only)* | 13.2016% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,257 |
| Loan loss allowance to noncurrent loans | 253.2704% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 1,566 |
| Noncurrent loans to loans | 0.4960% | 1,478 |
| Net loans and leases to total assets | 62.1600% | 2,449 |
| Net loans and leases to deposits | 73.1307% | 2,372 |
| Net loans and leases to core deposits | 79.3182% | 2,300 |
| Total domestic deposits to total assets | 85.0000% | 2,862 |
| Equity capital to assets | 5.9324% | 4,226 |
| Core capital (leverage) ratio | 8.0309% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2171% | 2,658 |
| Memoranda: | ||
| Average total assets | $2,027,476,500 | 568 |
| Average earning assets | $1,873,800,000 | 556 |
| Average equity | $111,810,000 | 872 |
| Average total loans | $1,274,509,500 | 589 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 917 |
| Cost of funding earning assets | 0.4724% | 1,570 |
| Net interest margin | 3.9082% | 939 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 3.0646% | 881 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1888% | 1,817 |
| Return on assets (ROA) | 1.0787% | 2,209 |
| Pretax return on assets | 1.2482% | 2,284 |
| Return on Equity (ROE) | 18.7700% | 603 |
| Retained earnings to average equity (ytd only) | 15.2070% | 280 |
| Net charge-offs to loans | 0.2185% | 373 |
| Credit loss provision to net charge-offs | 39.9770% | 1,863 |
| Earnings coverage of net charge-offs (x) | 10.5907% | 2,187 |
| Efficiency ratio | 68.1819% | 1,939 |
| Assets per employee ($millions) | 4.6709% | 3,922 |
| Cash dividends to net income (ytd only)* | 18.9655% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,266 |
| Loan loss allowance to noncurrent loans | 168.3936% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 903 |
| Noncurrent loans to loans | 0.8778% | 844 |
| Net loans and leases to total assets | 61.8400% | 2,457 |
| Net loans and leases to deposits | 75.2726% | 2,151 |
| Net loans and leases to core deposits | 78.5387% | 2,237 |
| Total domestic deposits to total assets | 82.1600% | 3,599 |
| Equity capital to assets | 5.0930% | 4,346 |
| Core capital (leverage) ratio | 7.8233% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7182% | 2,810 |
| Memoranda: | ||
| Average total assets | $1,935,718,600 | 574 |
| Average earning assets | $1,799,625,200 | 561 |
| Average equity | $111,264,600 | 871 |
| Average total loans | $1,196,207,600 | 584 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 977 |
| Cost of funding earning assets | 0.3889% | 1,371 |
| Net interest margin | 3.7611% | 1,016 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 3.0698% | 829 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0904% | 2,141 |
| Return on assets (ROA) | 1.0904% | 2,105 |
| Pretax return on assets | 1.2608% | 2,172 |
| Return on Equity (ROE) | 18.4200% | 588 |
| Retained earnings to average equity (ytd only) | 14.9477% | 369 |
| Net charge-offs to loans | 0.2801% | 236 |
| Credit loss provision to net charge-offs | 42.2052% | 1,556 |
| Earnings coverage of net charge-offs (x) | 7.7363% | 2,066 |
| Efficiency ratio | 69.7154% | 1,793 |
| Assets per employee ($millions) | 4.5757% | 4,001 |
| Cash dividends to net income (ytd only)* | 18.8406% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,308 |
| Loan loss allowance to noncurrent loans | 329.1449% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 1,789 |
| Noncurrent loans to loans | 0.4538% | 1,673 |
| Net loans and leases to total assets | 63.0700% | 2,182 |
| Net loans and leases to deposits | 73.4027% | 2,100 |
| Net loans and leases to core deposits | 76.7657% | 2,136 |
| Total domestic deposits to total assets | 85.9300% | 3,081 |
| Equity capital to assets | 4.4458% | 4,409 |
| Core capital (leverage) ratio | 7.7069% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5706% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,915,186,250 | 576 |
| Average earning assets | $1,784,293,250 | 564 |
| Average equity | $113,388,250 | 876 |
| Average total loans | $1,178,600,250 | 588 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 1,146 |
| Cost of funding earning assets | 0.3474% | 1,292 |
| Net interest margin | 3.5330% | 1,220 |
| Noninterest income to average assets | 0.9152% | 816 |
| Noninterest expense to average assets | 3.0307% | 812 |
| Loan and lease loss provision to assets | 0.0839% | 1,184 |
| Net operating income to assets | 0.9701% | 2,260 |
| Return on assets (ROA) | 0.9701% | 2,238 |
| Pretax return on assets | 1.1027% | 2,401 |
| Return on Equity (ROE) | 15.0838% | 874 |
| Retained earnings to average equity (ytd only) | 11.8581% | 627 |
| Net charge-offs to loans | 0.2201% | 294 |
| Credit loss provision to net charge-offs | 62.7962% | 1,450 |
| Earnings coverage of net charge-offs (x) | 8.8863% | 1,811 |
| Efficiency ratio | 71.8637% | 1,743 |
| Assets per employee ($millions) | 4.5423% | 4,041 |
| Cash dividends to net income (ytd only)* | 21.3851% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,032 |
| Loan loss allowance to noncurrent loans | 212.7294% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 1,180 |
| Noncurrent loans to loans | 0.7802% | 1,098 |
| Net loans and leases to total assets | 60.8353% | 2,233 |
| Net loans and leases to deposits | 70.6955% | 2,140 |
| Net loans and leases to core deposits | 73.4150% | 2,214 |
| Total domestic deposits to total assets | 86.0525% | 3,230 |
| Equity capital to assets | 5.3374% | 4,411 |
| Core capital (leverage) ratio | 7.5925% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6563% | 2,895 |
| Memoranda: | ||
| Average total assets | $1,896,204,000 | 577 |
| Average earning assets | $1,772,256,667 | 564 |
| Average equity | $121,958,333 | 826 |
| Average total loans | $1,150,560,000 | 587 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 1,238 |
| Cost of funding earning assets | 0.3435% | 1,261 |
| Net interest margin | 3.3753% | 1,364 |
| Noninterest income to average assets | 0.9324% | 794 |
| Noninterest expense to average assets | 3.0543% | 750 |
| Loan and lease loss provision to assets | 0.1213% | 685 |
| Net operating income to assets | 0.8432% | 2,508 |
| Return on assets (ROA) | 0.8432% | 2,503 |
| Pretax return on assets | 0.9275% | 2,671 |
| Return on Equity (ROE) | 12.0561% | 1,294 |
| Retained earnings to average equity (ytd only) | 9.0611% | 1,256 |
| Net charge-offs to loans | 0.0376% | 912 |
| Credit loss provision to net charge-offs | 537.7358% | 493 |
| Earnings coverage of net charge-offs (x) | 46.4811% | 948 |
| Efficiency ratio | 74.4384% | 1,694 |
| Assets per employee ($millions) | 4.3784% | 4,210 |
| Cash dividends to net income (ytd only)* | 24.8422% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 813 |
| Loan loss allowance to noncurrent loans | 208.7398% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 1,139 |
| Noncurrent loans to loans | 0.8843% | 1,052 |
| Net loans and leases to total assets | 58.3466% | 2,260 |
| Net loans and leases to deposits | 67.8099% | 2,176 |
| Net loans and leases to core deposits | 70.4514% | 2,253 |
| Total domestic deposits to total assets | 86.0443% | 3,248 |
| Equity capital to assets | 6.4599% | 4,438 |
| Core capital (leverage) ratio | 7.4874% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1809% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,879,071,000 | 587 |
| Average earning assets | $1,765,191,000 | 570 |
| Average equity | $131,419,000 | 781 |
| Average total loans | $1,128,726,500 | 591 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 1,049 |
| Cost of funding earning assets | 0.4351% | 1,286 |
| Net interest margin | 3.7348% | 1,129 |
| Noninterest income to average assets | 1.0286% | 943 |
| Noninterest expense to average assets | 3.4031% | 543 |
| Loan and lease loss provision to assets | 0.2336% | 424 |
| Net operating income to assets | 0.7885% | 3,365 |
| Return on assets (ROA) | 0.7886% | 3,438 |
| Pretax return on assets | 0.8794% | 3,549 |
| Return on Equity (ROE) | 10.3355% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.4831% | 1,728 |
| Net charge-offs to loans | 0.0607% | 1,174 |
| Credit loss provision to net charge-offs | 595.9712% | 731 |
| Earnings coverage of net charge-offs (x) | 28.3914% | 1,651 |
| Efficiency ratio | 75.3566% | 1,167 |
| Assets per employee ($millions) | 4.2328% | 4,311 |
| Cash dividends to net income (ytd only)* | 27.5978% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 880 |
| Loan loss allowance to noncurrent loans | 204.8355% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 1,253 |
| Noncurrent loans to loans | 0.8742% | 1,165 |
| Net loans and leases to total assets | 59.6141% | 2,196 |
| Net loans and leases to deposits | 70.1230% | 2,119 |
| Net loans and leases to core deposits | 73.1967% | 2,145 |
| Total domestic deposits to total assets | 85.0135% | 3,267 |
| Equity capital to assets | 7.5349% | 4,581 |
| Core capital (leverage) ratio | 7.3393% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0442% | 2,881 |
| Memoranda: | ||
| Average total assets | $1,773,051,800 | 592 |
| Average earning assets | $1,655,573,800 | 579 |
| Average equity | $135,290,800 | 774 |
| Average total loans | $1,145,472,400 | 579 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 900 |
| Cost of funding earning assets | 0.4529% | 1,338 |
| Net interest margin | 3.8869% | 964 |
| Noninterest income to average assets | 1.0444% | 994 |
| Noninterest expense to average assets | 3.3720% | 554 |
| Loan and lease loss provision to assets | 0.2156% | 458 |
| Net operating income to assets | 0.9438% | 3,109 |
| Return on assets (ROA) | 0.9440% | 3,187 |
| Pretax return on assets | 1.0771% | 3,250 |
| Return on Equity (ROE) | 12.3306% | 1,929 |
| Retained earnings to average equity (ytd only) | 9.4689% | 1,504 |
| Net charge-offs to loans | 0.0737% | 916 |
| Credit loss provision to net charge-offs | 445.6693% | 816 |
| Earnings coverage of net charge-offs (x) | 26.7102% | 1,596 |
| Efficiency ratio | 72.2909% | 1,375 |
| Assets per employee ($millions) | 4.1730% | 4,347 |
| Cash dividends to net income (ytd only)* | 23.2079% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 1,127 |
| Loan loss allowance to noncurrent loans | 192.0609% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 1,423 |
| Noncurrent loans to loans | 0.8804% | 1,302 |
| Net loans and leases to total assets | 59.6074% | 2,312 |
| Net loans and leases to deposits | 70.4932% | 2,189 |
| Net loans and leases to core deposits | 74.1580% | 2,220 |
| Total domestic deposits to total assets | 84.5577% | 3,276 |
| Equity capital to assets | 7.5041% | 4,704 |
| Core capital (leverage) ratio | 7.5666% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1203% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,749,648,500 | 602 |
| Average earning assets | $1,629,571,500 | 594 |
| Average equity | $133,950,750 | 791 |
| Average total loans | $1,148,569,000 | 589 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 1,009 |
| Cost of funding earning assets | 0.4721% | 1,369 |
| Net interest margin | 3.8285% | 1,094 |
| Noninterest income to average assets | 1.0851% | 948 |
| Noninterest expense to average assets | 3.4130% | 525 |
| Loan and lease loss provision to assets | 0.2503% | 393 |
| Net operating income to assets | 0.8720% | 3,299 |
| Return on assets (ROA) | 0.8723% | 3,371 |
| Pretax return on assets | 0.9868% | 3,475 |
| Return on Equity (ROE) | 11.3128% | 2,300 |
| Retained earnings to average equity (ytd only) | 8.4116% | 1,930 |
| Net charge-offs to loans | 0.0491% | 1,136 |
| Credit loss provision to net charge-offs | 755.2817% | 553 |
| Earnings coverage of net charge-offs (x) | 37.3169% | 1,198 |
| Efficiency ratio | 73.4019% | 1,296 |
| Assets per employee ($millions) | 4.0054% | 4,443 |
| Cash dividends to net income (ytd only)* | 25.6455% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 1,318 |
| Loan loss allowance to noncurrent loans | 183.7886% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 1,327 |
| Noncurrent loans to loans | 0.8613% | 1,433 |
| Net loans and leases to total assets | 65.3968% | 1,768 |
| Net loans and leases to deposits | 77.8338% | 1,647 |
| Net loans and leases to core deposits | 82.7382% | 1,658 |
| Total domestic deposits to total assets | 84.0211% | 3,434 |
| Equity capital to assets | 7.6185% | 4,702 |
| Core capital (leverage) ratio | 7.5140% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9813% | 2,963 |
| Memoranda: | ||
| Average total assets | $1,713,869,000 | 611 |
| Average earning assets | $1,595,712,000 | 599 |
| Average equity | $132,150,667 | 798 |
| Average total loans | $1,156,111,667 | 590 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 1,002 |
| Cost of funding earning assets | 0.4917% | 1,443 |
| Net interest margin | 3.8361% | 1,080 |
| Noninterest income to average assets | 1.1515% | 923 |
| Noninterest expense to average assets | 3.4305% | 512 |
| Loan and lease loss provision to assets | 0.3047% | 303 |
| Net operating income to assets | 0.8780% | 3,187 |
| Return on assets (ROA) | 0.8780% | 3,268 |
| Pretax return on assets | 0.9850% | 3,418 |
| Return on Equity (ROE) | 11.3149% | 2,263 |
| Retained earnings to average equity (ytd only) | 8.3781% | 2,130 |
| Net charge-offs to loans | 0.0416% | 1,048 |
| Credit loss provision to net charge-offs | 1,076.4706% | 394 |
| Earnings coverage of net charge-offs (x) | 45.5630% | 936 |
| Efficiency ratio | 72.6769% | 1,436 |
| Assets per employee ($millions) | 3.9651% | 4,501 |
| Cash dividends to net income (ytd only)* | 25.9550% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,450 |
| Loan loss allowance to noncurrent loans | 173.2109% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 1,463 |
| Noncurrent loans to loans | 0.8908% | 1,521 |
| Net loans and leases to total assets | 65.5634% | 1,854 |
| Net loans and leases to deposits | 77.6422% | 1,750 |
| Net loans and leases to core deposits | 82.4234% | 1,812 |
| Total domestic deposits to total assets | 84.4429% | 3,302 |
| Equity capital to assets | 7.3783% | 4,750 |
| Core capital (leverage) ratio | 7.7358% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0813% | 2,916 |
| Memoranda: | ||
| Average total assets | $1,681,608,500 | 615 |
| Average earning assets | $1,564,408,000 | 602 |
| Average equity | $130,482,500 | 797 |
| Average total loans | $1,143,309,000 | 597 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 810 |
| Cost of funding earning assets | 0.7354% | 1,541 |
| Net interest margin | 4.0129% | 948 |
| Noninterest income to average assets | 1.1988% | 775 |
| Noninterest expense to average assets | 3.7310% | 508 |
| Loan and lease loss provision to assets | 0.4372% | 656 |
| Net operating income to assets | 0.6721% | 3,514 |
| Return on assets (ROA) | 0.7702% | 3,322 |
| Pretax return on assets | 0.8529% | 3,496 |
| Return on Equity (ROE) | 9.2212% | 2,302 |
| Retained earnings to average equity (ytd only) | 6.2243% | 1,696 |
| Net charge-offs to loans | 0.1434% | 1,126 |
| Credit loss provision to net charge-offs | 431.4924% | 1,365 |
| Earnings coverage of net charge-offs (x) | 11.6568% | 2,391 |
| Efficiency ratio | 75.9567% | 1,232 |
| Assets per employee ($millions) | 3.7197% | 4,555 |
| Cash dividends to net income (ytd only)* | 32.5002% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,565 |
| Loan loss allowance to noncurrent loans | 161.7224% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 1,471 |
| Noncurrent loans to loans | 0.9304% | 1,513 |
| Net loans and leases to total assets | 68.4646% | 1,767 |
| Net loans and leases to deposits | 83.0203% | 1,544 |
| Net loans and leases to core deposits | 88.5291% | 1,644 |
| Total domestic deposits to total assets | 82.4673% | 3,548 |
| Equity capital to assets | 8.1741% | 4,631 |
| Core capital (leverage) ratio | 7.9595% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9355% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,501,260,600 | 617 |
| Average earning assets | $1,389,142,000 | 604 |
| Average equity | $125,396,400 | 788 |
| Average total loans | $1,060,722,200 | 602 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 984 |
| Cost of funding earning assets | 0.7837% | 1,573 |
| Net interest margin | 3.9565% | 1,218 |
| Noninterest income to average assets | 1.1537% | 790 |
| Noninterest expense to average assets | 3.7169% | 515 |
| Loan and lease loss provision to assets | 0.3932% | 913 |
| Net operating income to assets | 0.6334% | 3,686 |
| Return on assets (ROA) | 0.7544% | 3,378 |
| Pretax return on assets | 0.8331% | 3,561 |
| Return on Equity (ROE) | 8.9797% | 2,404 |
| Retained earnings to average equity (ytd only) | 5.9649% | 2,121 |
| Net charge-offs to loans | 0.1632% | 903 |
| Credit loss provision to net charge-offs | 339.6094% | 1,638 |
| Earnings coverage of net charge-offs (x) | 9.4430% | 2,427 |
| Efficiency ratio | 77.2698% | 1,103 |
| Assets per employee ($millions) | 3.7128% | 4,548 |
| Cash dividends to net income (ytd only)* | 33.5731% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,140 |
| Loan loss allowance to noncurrent loans | 219.2274% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 2,232 |
| Noncurrent loans to loans | 0.5950% | 2,312 |
| Net loans and leases to total assets | 70.4595% | 1,880 |
| Net loans and leases to deposits | 85.9955% | 1,709 |
| Net loans and leases to core deposits | 92.2776% | 1,770 |
| Total domestic deposits to total assets | 81.9339% | 3,438 |
| Equity capital to assets | 8.0814% | 4,685 |
| Core capital (leverage) ratio | 7.9473% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8728% | 2,945 |
| Memoranda: | ||
| Average total assets | $1,473,919,000 | 607 |
| Average earning assets | $1,362,173,500 | 602 |
| Average equity | $123,832,000 | 789 |
| Average total loans | $1,046,014,250 | 604 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 1,252 |
| Cost of funding earning assets | 0.8331% | 1,665 |
| Net interest margin | 3.9302% | 1,497 |
| Noninterest income to average assets | 1.0795% | 858 |
| Noninterest expense to average assets | 3.6957% | 582 |
| Loan and lease loss provision to assets | 0.3461% | 1,224 |
| Net operating income to assets | 0.6089% | 3,710 |
| Return on assets (ROA) | 0.7726% | 3,261 |
| Pretax return on assets | 0.8547% | 3,446 |
| Return on Equity (ROE) | 9.0678% | 2,333 |
| Retained earnings to average equity (ytd only) | 6.0097% | 2,078 |
| Net charge-offs to loans | 0.0365% | 2,007 |
| Credit loss provision to net charge-offs | 1,340.5405% | 653 |
| Earnings coverage of net charge-offs (x) | 39.4649% | 1,259 |
| Efficiency ratio | 78.3879% | 1,017 |
| Assets per employee ($millions) | 3.6923% | 4,552 |
| Cash dividends to net income (ytd only)* | 33.7247% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,272 |
| Loan loss allowance to noncurrent loans | 163.0958% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 1,942 |
| Noncurrent loans to loans | 0.7644% | 1,971 |
| Net loans and leases to total assets | 71.3338% | 1,828 |
| Net loans and leases to deposits | 87.4927% | 1,613 |
| Net loans and leases to core deposits | 94.0440% | 1,733 |
| Total domestic deposits to total assets | 81.5312% | 3,488 |
| Equity capital to assets | 8.0731% | 4,680 |
| Core capital (leverage) ratio | 8.0422% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9842% | 3,163 |
| Memoranda: | ||
| Average total assets | $1,433,060,000 | 613 |
| Average earning assets | $1,325,482,000 | 604 |
| Average equity | $122,102,667 | 789 |
| Average total loans | $1,014,768,667 | 614 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 1,058 |
| Cost of funding earning assets | 0.9152% | 1,790 |
| Net interest margin | 4.0370% | 1,294 |
| Noninterest income to average assets | 0.9897% | 880 |
| Noninterest expense to average assets | 3.9692% | 526 |
| Loan and lease loss provision to assets | 0.3307% | 932 |
| Net operating income to assets | 0.3849% | 4,170 |
| Return on assets (ROA) | 0.7351% | 3,232 |
| Pretax return on assets | 0.7986% | 3,419 |
| Return on Equity (ROE) | 8.3761% | 2,356 |
| Retained earnings to average equity (ytd only) | 5.2651% | 2,168 |
| Net charge-offs to loans | 0.0447% | 1,578 |
| Credit loss provision to net charge-offs | 1,056.0748% | 550 |
| Earnings coverage of net charge-offs (x) | 23.9065% | 1,318 |
| Efficiency ratio | 84.1325% | 824 |
| Assets per employee ($millions) | 3.3299% | 4,619 |
| Cash dividends to net income (ytd only)* | 37.1417% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,038 |
| Loan loss allowance to noncurrent loans | 174.9898% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 2,182 |
| Noncurrent loans to loans | 0.7561% | 2,112 |
| Net loans and leases to total assets | 68.3890% | 2,491 |
| Net loans and leases to deposits | 86.2762% | 1,963 |
| Net loans and leases to core deposits | 95.2154% | 1,865 |
| Total domestic deposits to total assets | 79.2675% | 4,003 |
| Equity capital to assets | 8.6936% | 4,742 |
| Core capital (leverage) ratio | 8.8581% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0594% | 3,321 |
| Memoranda: | ||
| Average total assets | $1,366,816,000 | 614 |
| Average earning assets | $1,262,218,000 | 606 |
| Average equity | $119,960,000 | 800 |
| Average total loans | $956,721,500 | 622 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 958 |
| Cost of funding earning assets | 0.9400% | 2,008 |
| Net interest margin | 4.2756% | 1,150 |
| Noninterest income to average assets | 1.1082% | 778 |
| Noninterest expense to average assets | 3.9990% | 532 |
| Loan and lease loss provision to assets | 0.2060% | 979 |
| Net operating income to assets | 0.7591% | 3,676 |
| Return on assets (ROA) | 0.8993% | 3,297 |
| Pretax return on assets | 0.9947% | 3,471 |
| Return on Equity (ROE) | 10.6484% | 2,026 |
| Retained earnings to average equity (ytd only) | 7.0437% | 1,370 |
| Net charge-offs to loans | 0.2037% | 1,007 |
| Credit loss provision to net charge-offs | 145.4446% | 1,763 |
| Earnings coverage of net charge-offs (x) | 7.3776% | 2,882 |
| Efficiency ratio | 79.2830% | 1,005 |
| Assets per employee ($millions) | 3.2894% | 4,651 |
| Cash dividends to net income (ytd only)* | 33.8520% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,170 |
| Loan loss allowance to noncurrent loans | 155.6376% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 1,970 |
| Noncurrent loans to loans | 0.8031% | 1,907 |
| Net loans and leases to total assets | 69.8146% | 2,430 |
| Net loans and leases to deposits | 90.1255% | 1,577 |
| Net loans and leases to core deposits | 97.3206% | 1,788 |
| Total domestic deposits to total assets | 77.4638% | 4,437 |
| Equity capital to assets | 8.8909% | 4,742 |
| Core capital (leverage) ratio | 8.9455% | 4,567 |
| Tier 1 risk-based capital ratio | 10.5232% | 5,016 |
| Total risk-based capital ratio | 11.5864% | 5,003 |
| Memoranda: | ||
| Average total assets | $1,286,374,600 | 620 |
| Average earning assets | $1,184,130,400 | 612 |
| Average equity | $108,636,400 | 837 |
| Average total loans | $894,640,200 | 644 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 980 |
| Cost of funding earning assets | 0.9413% | 2,034 |
| Net interest margin | 4.2876% | 1,186 |
| Noninterest income to average assets | 1.0795% | 789 |
| Noninterest expense to average assets | 3.9241% | 580 |
| Loan and lease loss provision to assets | 0.1962% | 901 |
| Net operating income to assets | 0.8317% | 3,569 |
| Return on assets (ROA) | 0.8980% | 3,427 |
| Pretax return on assets | 0.9733% | 3,670 |
| Return on Equity (ROE) | 10.7821% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.0339% | 1,846 |
| Net charge-offs to loans | 0.2280% | 775 |
| Credit loss provision to net charge-offs | 124.2545% | 1,895 |
| Earnings coverage of net charge-offs (x) | 6.9503% | 2,790 |
| Efficiency ratio | 78.1441% | 1,089 |
| Assets per employee ($millions) | 3.2038% | 4,751 |
| Cash dividends to net income (ytd only)* | 34.7628% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,245 |
| Loan loss allowance to noncurrent loans | 170.5520% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 2,210 |
| Noncurrent loans to loans | 0.7317% | 2,136 |
| Net loans and leases to total assets | 68.4841% | 2,713 |
| Net loans and leases to deposits | 85.7937% | 2,219 |
| Net loans and leases to core deposits | 93.3637% | 2,236 |
| Total domestic deposits to total assets | 79.8242% | 4,022 |
| Equity capital to assets | 8.8412% | 4,854 |
| Core capital (leverage) ratio | 8.8175% | 4,762 |
| Tier 1 risk-based capital ratio | 10.3285% | 5,129 |
| Total risk-based capital ratio | 11.3832% | 5,097 |
| Memoranda: | ||
| Average total assets | $1,274,095,750 | 624 |
| Average earning assets | $1,171,430,250 | 617 |
| Average equity | $106,111,250 | 856 |
| Average total loans | $882,258,000 | 654 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 954 |
| Cost of funding earning assets | 0.9377% | 1,974 |
| Net interest margin | 4.2779% | 1,188 |
| Noninterest income to average assets | 1.0376% | 808 |
| Noninterest expense to average assets | 3.8929% | 604 |
| Loan and lease loss provision to assets | 0.1664% | 1,091 |
| Net operating income to assets | 0.8525% | 3,461 |
| Return on assets (ROA) | 0.8830% | 3,411 |
| Pretax return on assets | 0.9479% | 3,716 |
| Return on Equity (ROE) | 10.8337% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.4992% | 1,596 |
| Net charge-offs to loans | 0.2826% | 597 |
| Credit loss provision to net charge-offs | 85.0891% | 2,180 |
| Earnings coverage of net charge-offs (x) | 5.5300% | 2,645 |
| Efficiency ratio | 78.2592% | 1,117 |
| Assets per employee ($millions) | 3.2164% | 4,764 |
| Cash dividends to net income (ytd only)* | 30.7789% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,557 |
| Loan loss allowance to noncurrent loans | 159.9466% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 2,180 |
| Noncurrent loans to loans | 0.7467% | 2,121 |
| Net loans and leases to total assets | 69.2110% | 2,647 |
| Net loans and leases to deposits | 86.5428% | 2,197 |
| Net loans and leases to core deposits | 95.0103% | 2,153 |
| Total domestic deposits to total assets | 79.9731% | 4,048 |
| Equity capital to assets | 8.6383% | 4,990 |
| Core capital (leverage) ratio | 8.8428% | 4,760 |
| Tier 1 risk-based capital ratio | 10.3777% | 5,147 |
| Total risk-based capital ratio | 11.3567% | 5,149 |
| Memoranda: | ||
| Average total assets | $1,262,004,330 | 632 |
| Average earning assets | $1,161,363,000 | 625 |
| Average equity | $102,864,330 | 874 |
| Average total loans | $873,432,330 | 665 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 939 |
| Cost of funding earning assets | 0.9281% | 1,888 |
| Net interest margin | 4.2561% | 1,181 |
| Noninterest income to average assets | 0.9935% | 824 |
| Noninterest expense to average assets | 3.9868% | 550 |
| Loan and lease loss provision to assets | 0.1170% | 1,503 |
| Net operating income to assets | 0.7697% | 3,713 |
| Return on assets (ROA) | 0.7509% | 3,816 |
| Pretax return on assets | 0.7794% | 4,097 |
| Return on Equity (ROE) | 9.5060% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.0250% | 2,446 |
| Net charge-offs to loans | 0.1048% | 1,109 |
| Credit loss provision to net charge-offs | 162.2222% | 1,181 |
| Earnings coverage of net charge-offs (x) | 12.7022% | 1,861 |
| Efficiency ratio | 81.3178% | 944 |
| Assets per employee ($millions) | 3.2136% | 4,825 |
| Cash dividends to net income (ytd only)* | 36.6197% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,181 |
| Loan loss allowance to noncurrent loans | 119.4755% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 1,666 |
| Noncurrent loans to loans | 1.0715% | 1,556 |
| Net loans and leases to total assets | 67.7033% | 2,799 |
| Net loans and leases to deposits | 83.6579% | 2,424 |
| Net loans and leases to core deposits | 92.3022% | 2,274 |
| Total domestic deposits to total assets | 80.9288% | 3,982 |
| Equity capital to assets | 8.2126% | 5,125 |
| Core capital (leverage) ratio | 9.4569% | 4,184 |
| Tier 1 risk-based capital ratio | 11.3033% | 4,841 |
| Total risk-based capital ratio | 12.4029% | 4,818 |
| Memoranda: | ||
| Average total assets | $1,248,128,000 | 642 |
| Average earning assets | $1,146,393,000 | 642 |
| Average equity | $98,590,000 | 904 |
| Average total loans | $858,426,500 | 680 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 864 |
| Cost of funding earning assets | 0.8688% | 1,229 |
| Net interest margin | 4.2214% | 1,345 |
| Noninterest income to average assets | 1.0688% | 820 |
| Noninterest expense to average assets | 3.8750% | 620 |
| Loan and lease loss provision to assets | 0.1311% | 1,674 |
| Net operating income to assets | 0.8991% | 3,440 |
| Return on assets (ROA) | 0.9098% | 3,395 |
| Pretax return on assets | 0.9358% | 3,798 |
| Return on Equity (ROE) | 12.3027% | 1,611 |
| Retained earnings to average equity (ytd only) | 8.4616% | 1,057 |
| Net charge-offs to loans | 0.1736% | 1,114 |
| Credit loss provision to net charge-offs | 113.2075% | 2,287 |
| Earnings coverage of net charge-offs (x) | 9.1205% | 2,836 |
| Efficiency ratio | 78.5862% | 1,073 |
| Assets per employee ($millions) | 3.2371% | 4,795 |
| Cash dividends to net income (ytd only)* | 31.2217% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,070 |
| Loan loss allowance to noncurrent loans | 142.1816% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 1,864 |
| Noncurrent loans to loans | 0.9097% | 1,765 |
| Net loans and leases to total assets | 68.0865% | 2,874 |
| Net loans and leases to deposits | 83.5142% | 2,560 |
| Net loans and leases to core deposits | 93.7471% | 2,246 |
| Total domestic deposits to total assets | 81.5268% | 3,781 |
| Equity capital to assets | 7.5763% | 5,274 |
| Core capital (leverage) ratio | 8.9336% | 4,706 |
| Tier 1 risk-based capital ratio | 10.6209% | 5,134 |
| Total risk-based capital ratio | 11.7285% | 5,085 |
| Memoranda: | ||
| Average total assets | $1,190,257,400 | 643 |
| Average earning assets | $1,088,983,000 | 652 |
| Average equity | $88,021,600 | 954 |
| Average total loans | $793,881,400 | 706 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 879 |
| Cost of funding earning assets | 0.8482% | 1,129 |
| Net interest margin | 4.1826% | 1,408 |
| Noninterest income to average assets | 1.0952% | 784 |
| Noninterest expense to average assets | 3.8432% | 634 |
| Loan and lease loss provision to assets | 0.1158% | 1,751 |
| Net operating income to assets | 0.9080% | 3,490 |
| Return on assets (ROA) | 0.9116% | 3,481 |
| Pretax return on assets | 0.9611% | 3,848 |
| Return on Equity (ROE) | 12.4063% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.5261% | 1,406 |
| Net charge-offs to loans | 0.2085% | 811 |
| Credit loss provision to net charge-offs | 84.0164% | 2,484 |
| Earnings coverage of net charge-offs (x) | 7.7860% | 2,774 |
| Efficiency ratio | 78.1738% | 1,103 |
| Assets per employee ($millions) | 3.2466% | 4,840 |
| Cash dividends to net income (ytd only)* | 31.2763% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,088 |
| Loan loss allowance to noncurrent loans | 132.6906% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 1,597 |
| Noncurrent loans to loans | 0.9811% | 1,732 |
| Net loans and leases to total assets | 66.3480% | 3,140 |
| Net loans and leases to deposits | 81.6680% | 2,856 |
| Net loans and leases to core deposits | 90.2953% | 2,634 |
| Total domestic deposits to total assets | 81.2411% | 3,803 |
| Equity capital to assets | 6.8522% | 5,403 |
| Core capital (leverage) ratio | 8.8915% | 4,807 |
| Tier 1 risk-based capital ratio | 10.5528% | 5,222 |
| Total risk-based capital ratio | 11.6230% | 5,196 |
| Memoranda: | ||
| Average total assets | $1,180,297,250 | 645 |
| Average earning assets | $1,078,291,000 | 652 |
| Average equity | $86,728,000 | 962 |
| Average total loans | $780,225,250 | 713 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 866 |
| Cost of funding earning assets | 0.8335% | 992 |
| Net interest margin | 4.1427% | 1,436 |
| Noninterest income to average assets | 1.1022% | 793 |
| Noninterest expense to average assets | 3.8107% | 662 |
| Loan and lease loss provision to assets | 0.1068% | 1,833 |
| Net operating income to assets | 0.9213% | 3,361 |
| Return on assets (ROA) | 0.9307% | 3,321 |
| Pretax return on assets | 0.9793% | 3,725 |
| Return on Equity (ROE) | 12.3781% | 1,590 |
| Retained earnings to average equity (ytd only) | 8.5908% | 1,360 |
| Net charge-offs to loans | 0.0910% | 1,438 |
| Credit loss provision to net charge-offs | 178.5714% | 1,406 |
| Earnings coverage of net charge-offs (x) | 17.9886% | 1,928 |
| Efficiency ratio | 77.9783% | 1,197 |
| Assets per employee ($millions) | 3.2219% | 4,909 |
| Cash dividends to net income (ytd only)* | 30.5969% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,794 |
| Loan loss allowance to noncurrent loans | 124.4659% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 1,493 |
| Noncurrent loans to loans | 1.1149% | 1,576 |
| Net loans and leases to total assets | 65.4575% | 3,217 |
| Net loans and leases to deposits | 81.3585% | 2,831 |
| Net loans and leases to core deposits | 90.6414% | 2,519 |
| Total domestic deposits to total assets | 80.4557% | 4,147 |
| Equity capital to assets | 7.2429% | 5,428 |
| Core capital (leverage) ratio | 8.9138% | 4,762 |
| Tier 1 risk-based capital ratio | 10.4952% | 5,270 |
| Total risk-based capital ratio | 11.4341% | 5,310 |
| Memoranda: | ||
| Average total assets | $1,170,068,330 | 657 |
| Average earning assets | $1,068,958,670 | 657 |
| Average equity | $87,977,670 | 949 |
| Average total loans | $768,946,330 | 722 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 829 |
| Cost of funding earning assets | 0.8174% | 888 |
| Net interest margin | 4.1038% | 1,429 |
| Noninterest income to average assets | 1.0920% | 774 |
| Noninterest expense to average assets | 3.8280% | 649 |
| Loan and lease loss provision to assets | 0.0866% | 2,066 |
| Net operating income to assets | 0.8873% | 3,348 |
| Return on assets (ROA) | 0.8997% | 3,296 |
| Pretax return on assets | 0.9381% | 3,734 |
| Return on Equity (ROE) | 11.7406% | 1,672 |
| Retained earnings to average equity (ytd only) | 8.0819% | 1,806 |
| Net charge-offs to loans | 0.0657% | 1,453 |
| Credit loss provision to net charge-offs | 201.6129% | 1,038 |
| Earnings coverage of net charge-offs (x) | 23.5484% | 1,378 |
| Efficiency ratio | 79.0921% | 1,246 |
| Assets per employee ($millions) | 3.2944% | 4,906 |
| Cash dividends to net income (ytd only)* | 31.1633% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,729 |
| Loan loss allowance to noncurrent loans | 122.2981% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 1,512 |
| Noncurrent loans to loans | 1.1697% | 1,559 |
| Net loans and leases to total assets | 64.5188% | 3,238 |
| Net loans and leases to deposits | 78.9195% | 2,928 |
| Net loans and leases to core deposits | 88.4473% | 2,595 |
| Total domestic deposits to total assets | 81.7527% | 4,032 |
| Equity capital to assets | 7.3675% | 5,459 |
| Core capital (leverage) ratio | 8.9310% | 4,761 |
| Tier 1 risk-based capital ratio | 10.6696% | 5,293 |
| Total risk-based capital ratio | 11.7767% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,154,217,500 | 665 |
| Average earning assets | $1,054,134,500 | 669 |
| Average equity | $88,445,000 | 950 |
| Average total loans | $754,560,000 | 734 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,021 |
| Cost of funding earning assets | 0.7997% | 622 |
| Net interest margin | 3.9749% | 1,828 |
| Noninterest income to average assets | 1.0604% | 902 |
| Noninterest expense to average assets | 3.6917% | 803 |
| Loan and lease loss provision to assets | 0.2171% | 910 |
| Net operating income to assets | 0.5934% | 4,037 |
| Return on assets (ROA) | 0.5974% | 4,065 |
| Pretax return on assets | 0.7659% | 4,346 |
| Return on Equity (ROE) | 7.6666% | 2,973 |
| Retained earnings to average equity (ytd only) | 3.9491% | 2,826 |
| Net charge-offs to loans | 0.2591% | 1,006 |
| Credit loss provision to net charge-offs | 130.8320% | 2,009 |
| Earnings coverage of net charge-offs (x) | 5.8929% | 3,259 |
| Efficiency ratio | 79.0581% | 1,216 |
| Assets per employee ($millions) | 3.4130% | 4,811 |
| Cash dividends to net income (ytd only)* | 48.4894% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,599 |
| Loan loss allowance to noncurrent loans | 119.2201% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 1,417 |
| Noncurrent loans to loans | 1.2121% | 1,461 |
| Net loans and leases to total assets | 64.3807% | 3,320 |
| Net loans and leases to deposits | 81.4045% | 2,770 |
| Net loans and leases to core deposits | 91.5520% | 2,412 |
| Total domestic deposits to total assets | 79.0875% | 4,527 |
| Equity capital to assets | 7.9572% | 5,409 |
| Core capital (leverage) ratio | 8.8319% | 4,830 |
| Tier 1 risk-based capital ratio | 10.7179% | 5,290 |
| Total risk-based capital ratio | 11.9002% | 5,208 |
| Memoranda: | ||
| Average total assets | $1,108,180,400 | 669 |
| Average earning assets | $1,006,237,000 | 674 |
| Average equity | $86,349,000 | 947 |
| Average total loans | $709,777,200 | 737 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 1,081 |
| Cost of funding earning assets | 0.7897% | 612 |
| Net interest margin | 3.9369% | 1,906 |
| Noninterest income to average assets | 1.0529% | 921 |
| Noninterest expense to average assets | 3.6347% | 830 |
| Loan and lease loss provision to assets | 0.1936% | 993 |
| Net operating income to assets | 0.8396% | 3,327 |
| Return on assets (ROA) | 0.8398% | 3,374 |
| Pretax return on assets | 0.7998% | 4,350 |
| Return on Equity (ROE) | 10.8380% | 1,761 |
| Retained earnings to average equity (ytd only) | 7.0803% | 1,655 |
| Net charge-offs to loans | 0.1664% | 1,247 |
| Credit loss provision to net charge-offs | 182.6087% | 1,449 |
| Earnings coverage of net charge-offs (x) | 9.3696% | 2,699 |
| Efficiency ratio | 78.5398% | 1,260 |
| Assets per employee ($millions) | 3.3953% | 4,867 |
| Cash dividends to net income (ytd only)* | 34.6715% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,572 |
| Loan loss allowance to noncurrent loans | 82.7289% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 1,091 |
| Noncurrent loans to loans | 1.8014% | 992 |
| Net loans and leases to total assets | 63.6369% | 3,466 |
| Net loans and leases to deposits | 80.0499% | 2,971 |
| Net loans and leases to core deposits | 88.7116% | 2,710 |
| Total domestic deposits to total assets | 79.4966% | 4,441 |
| Equity capital to assets | 8.1537% | 5,458 |
| Core capital (leverage) ratio | 8.9578% | 4,787 |
| Tier 1 risk-based capital ratio | 10.7832% | 5,348 |
| Total risk-based capital ratio | 11.9082% | 5,318 |
| Memoranda: | ||
| Average total assets | $1,099,388,500 | 678 |
| Average earning assets | $998,301,250 | 680 |
| Average equity | $85,191,750 | 960 |
| Average total loans | $700,499,250 | 745 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,101 |
| Cost of funding earning assets | 0.7878% | 558 |
| Net interest margin | 3.8884% | 1,974 |
| Noninterest income to average assets | 1.0419% | 944 |
| Noninterest expense to average assets | 3.5800% | 891 |
| Loan and lease loss provision to assets | 0.2183% | 811 |
| Net operating income to assets | 0.8035% | 3,385 |
| Return on assets (ROA) | 0.8059% | 3,426 |
| Pretax return on assets | 0.7741% | 4,360 |
| Return on Equity (ROE) | 10.5933% | 1,799 |
| Retained earnings to average equity (ytd only) | 6.7397% | 1,721 |
| Net charge-offs to loans | 0.1248% | 1,412 |
| Credit loss provision to net charge-offs | 275.8140% | 1,019 |
| Earnings coverage of net charge-offs (x) | 12.5093% | 2,188 |
| Efficiency ratio | 78.3376% | 1,414 |
| Assets per employee ($millions) | 3.2988% | 4,986 |
| Cash dividends to net income (ytd only)* | 36.3782% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,463 |
| Loan loss allowance to noncurrent loans | 82.5665% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 1,054 |
| Noncurrent loans to loans | 1.8562% | 950 |
| Net loans and leases to total assets | 63.6650% | 3,437 |
| Net loans and leases to deposits | 80.5450% | 2,855 |
| Net loans and leases to core deposits | 89.6329% | 2,556 |
| Total domestic deposits to total assets | 79.0429% | 4,611 |
| Equity capital to assets | 8.2215% | 5,436 |
| Core capital (leverage) ratio | 9.0209% | 4,702 |
| Tier 1 risk-based capital ratio | 10.6821% | 5,387 |
| Total risk-based capital ratio | 11.9039% | 5,327 |
| Memoranda: | ||
| Average total assets | $1,086,707,000 | 687 |
| Average earning assets | $985,998,000 | 695 |
| Average equity | $82,674,670 | 989 |
| Average total loans | $689,073,330 | 760 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 1,178 |
| Cost of funding earning assets | 0.7792% | 552 |
| Net interest margin | 3.8043% | 2,101 |
| Noninterest income to average assets | 1.0042% | 998 |
| Noninterest expense to average assets | 3.6655% | 814 |
| Loan and lease loss provision to assets | 0.1770% | 993 |
| Net operating income to assets | 0.6830% | 3,775 |
| Return on assets (ROA) | 0.6830% | 3,812 |
| Pretax return on assets | 0.6053% | 4,719 |
| Return on Equity (ROE) | 9.3667% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.3691% | 2,688 |
| Net charge-offs to loans | 0.1191% | 1,217 |
| Credit loss provision to net charge-offs | 236.8159% | 919 |
| Earnings coverage of net charge-offs (x) | 10.4677% | 1,935 |
| Efficiency ratio | 82.4124% | 1,121 |
| Assets per employee ($millions) | 3.2458% | 5,108 |
| Cash dividends to net income (ytd only)* | 42.6783% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,537 |
| Loan loss allowance to noncurrent loans | 85.1053% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 1,182 |
| Noncurrent loans to loans | 1.8120% | 1,036 |
| Net loans and leases to total assets | 61.8505% | 3,559 |
| Net loans and leases to deposits | 76.7841% | 3,104 |
| Net loans and leases to core deposits | 85.4285% | 2,770 |
| Total domestic deposits to total assets | 80.5512% | 4,512 |
| Equity capital to assets | 7.4078% | 5,699 |
| Core capital (leverage) ratio | 9.0937% | 4,627 |
| Tier 1 risk-based capital ratio | 10.7837% | 5,419 |
| Total risk-based capital ratio | 11.8579% | 5,414 |
| Memoranda: | ||
| Average total assets | $1,075,863,000 | 699 |
| Average earning assets | $973,851,500 | 704 |
| Average equity | $78,448,500 | 1,029 |
| Average total loans | $675,288,500 | 778 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 1,062 |
| Cost of funding earning assets | 0.7258% | 719 |
| Net interest margin | 3.9731% | 1,721 |
| Noninterest income to average assets | 1.0556% | 1,011 |
| Noninterest expense to average assets | 3.7394% | 837 |
| Loan and lease loss provision to assets | 0.2966% | 641 |
| Net operating income to assets | 0.6364% | 4,062 |
| Return on assets (ROA) | 0.9795% | 2,547 |
| Pretax return on assets | 1.0469% | 3,310 |
| Return on Equity (ROE) | 11.3786% | 1,440 |
| Retained earnings to average equity (ytd only) | 7.9584% | 870 |
| Net charge-offs to loans | 0.3650% | 748 |
| Credit loss provision to net charge-offs | 128.2481% | 2,088 |
| Earnings coverage of net charge-offs (x) | 4.2309% | 3,533 |
| Efficiency ratio | 79.2621% | 1,517 |
| Assets per employee ($millions) | 3.1881% | 5,161 |
| Cash dividends to net income (ytd only)* | 30.0584% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,572 |
| Loan loss allowance to noncurrent loans | 79.3837% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3948% | 1,228 |
| Noncurrent loans to loans | 1.9241% | 956 |
| Net loans and leases to total assets | 61.7351% | 3,645 |
| Net loans and leases to deposits | 76.8762% | 3,218 |
| Net loans and leases to core deposits | 86.3844% | 2,822 |
| Total domestic deposits to total assets | 80.3045% | 4,507 |
| Equity capital to assets | 7.2057% | 5,773 |
| Core capital (leverage) ratio | 8.9372% | 4,816 |
| Tier 1 risk-based capital ratio | 10.7776% | 5,448 |
| Total risk-based capital ratio | 11.9554% | 5,397 |
| Memoranda: | ||
| Average total assets | $1,031,815,400 | 698 |
| Average earning assets | $951,069,800 | 690 |
| Average equity | $88,824,800 | 898 |
| Average total loans | $653,774,400 | 761 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,150 |
| Cost of funding earning assets | 0.7146% | 756 |
| Net interest margin | 3.9501% | 1,817 |
| Noninterest income to average assets | 1.0724% | 983 |
| Noninterest expense to average assets | 3.8071% | 737 |
| Loan and lease loss provision to assets | 0.2425% | 789 |
| Net operating income to assets | 0.6153% | 4,230 |
| Return on assets (ROA) | 1.0602% | 2,272 |
| Pretax return on assets | 1.1693% | 2,971 |
| Return on Equity (ROE) | 11.8134% | 1,387 |
| Retained earnings to average equity (ytd only) | 8.5394% | 967 |
| Net charge-offs to loans | 0.2310% | 1,017 |
| Credit loss provision to net charge-offs | 165.1865% | 1,673 |
| Earnings coverage of net charge-offs (x) | 6.2868% | 3,014 |
| Efficiency ratio | 80.4895% | 1,379 |
| Assets per employee ($millions) | 3.1578% | 5,233 |
| Cash dividends to net income (ytd only)* | 27.7143% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,485 |
| Loan loss allowance to noncurrent loans | 81.1150% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 1,577 |
| Noncurrent loans to loans | 1.9668% | 1,009 |
| Net loans and leases to total assets | 61.0754% | 3,730 |
| Net loans and leases to deposits | 75.5426% | 3,449 |
| Net loans and leases to core deposits | 83.8121% | 3,143 |
| Total domestic deposits to total assets | 80.8490% | 4,285 |
| Equity capital to assets | 9.1927% | 4,983 |
| Core capital (leverage) ratio | 9.2751% | 4,494 |
| Tier 1 risk-based capital ratio | 11.1009% | 5,318 |
| Total risk-based capital ratio | 12.2915% | 5,261 |
| Memoranda: | ||
| Average total assets | $1,022,768,250 | 706 |
| Average earning assets | $947,031,000 | 698 |
| Average equity | $91,791,750 | 879 |
| Average total loans | $649,828,000 | 766 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 1,053 |
| Cost of funding earning assets | 0.7142% | 744 |
| Net interest margin | 3.9834% | 1,694 |
| Noninterest income to average assets | 1.0855% | 953 |
| Noninterest expense to average assets | 3.8278% | 743 |
| Loan and lease loss provision to assets | 0.2556% | 750 |
| Net operating income to assets | 0.6610% | 3,994 |
| Return on assets (ROA) | 0.9689% | 2,672 |
| Pretax return on assets | 1.0136% | 3,533 |
| Return on Equity (ROE) | 10.8862% | 1,691 |
| Retained earnings to average equity (ytd only) | 7.6396% | 1,319 |
| Net charge-offs to loans | 0.1983% | 1,156 |
| Credit loss provision to net charge-offs | 201.2384% | 1,297 |
| Earnings coverage of net charge-offs (x) | 7.4675% | 2,622 |
| Efficiency ratio | 80.1449% | 1,480 |
| Assets per employee ($millions) | 3.1951% | 5,211 |
| Cash dividends to net income (ytd only)* | 29.8235% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,640 |
| Loan loss allowance to noncurrent loans | 76.9817% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 1,585 |
| Noncurrent loans to loans | 2.0315% | 972 |
| Net loans and leases to total assets | 61.4907% | 3,686 |
| Net loans and leases to deposits | 77.6289% | 3,190 |
| Net loans and leases to core deposits | 86.0870% | 2,890 |
| Total domestic deposits to total assets | 79.2111% | 4,732 |
| Equity capital to assets | 9.3044% | 4,966 |
| Core capital (leverage) ratio | 8.8220% | 5,028 |
| Tier 1 risk-based capital ratio | 10.9456% | 5,443 |
| Total risk-based capital ratio | 12.1938% | 5,376 |
| Memoranda: | ||
| Average total assets | $1,017,390,330 | 709 |
| Average earning assets | $942,620,670 | 704 |
| Average equity | $90,554,670 | 887 |
| Average total loans | $651,503,670 | 763 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,001 |
| Cost of funding earning assets | 0.7214% | 726 |
| Net interest margin | 4.0011% | 1,612 |
| Noninterest income to average assets | 1.0442% | 997 |
| Noninterest expense to average assets | 3.9044% | 682 |
| Loan and lease loss provision to assets | 0.2989% | 527 |
| Net operating income to assets | 0.5324% | 4,491 |
| Return on assets (ROA) | 0.9429% | 2,657 |
| Pretax return on assets | 0.9621% | 3,615 |
| Return on Equity (ROE) | 10.8500% | 1,653 |
| Retained earnings to average equity (ytd only) | 7.4795% | 1,672 |
| Net charge-offs to loans | 0.1930% | 1,017 |
| Credit loss provision to net charge-offs | 238.8535% | 970 |
| Earnings coverage of net charge-offs (x) | 6.7293% | 2,216 |
| Efficiency ratio | 82.2586% | 1,353 |
| Assets per employee ($millions) | 3.1492% | 5,346 |
| Cash dividends to net income (ytd only)* | 31.0651% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,884 |
| Loan loss allowance to noncurrent loans | 73.8176% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 1,587 |
| Noncurrent loans to loans | 2.0661% | 1,025 |
| Net loans and leases to total assets | 63.2093% | 3,353 |
| Net loans and leases to deposits | 79.7974% | 2,820 |
| Net loans and leases to core deposits | 87.5089% | 2,613 |
| Total domestic deposits to total assets | 79.2122% | 4,919 |
| Equity capital to assets | 8.6081% | 5,486 |
| Core capital (leverage) ratio | 8.7579% | 5,113 |
| Tier 1 risk-based capital ratio | 10.7702% | 5,625 |
| Total risk-based capital ratio | 11.9963% | 5,544 |
| Memoranda: | ||
| Average total assets | $1,003,680,500 | 719 |
| Average earning assets | $928,747,500 | 709 |
| Average equity | $87,225,500 | 914 |
| Average total loans | $650,921,500 | 759 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 967 |
| Cost of funding earning assets | 0.7117% | 774 |
| Net interest margin | 4.0627% | 1,510 |
| Noninterest income to average assets | 1.0915% | 985 |
| Noninterest expense to average assets | 3.6546% | 1,038 |
| Loan and lease loss provision to assets | 0.3513% | 420 |
| Net operating income to assets | 0.7974% | 3,354 |
| Return on assets (ROA) | 0.9280% | 2,805 |
| Pretax return on assets | 0.9710% | 3,578 |
| Return on Equity (ROE) | 10.7392% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.7847% | 986 |
| Net charge-offs to loans | 0.1665% | 1,700 |
| Credit loss provision to net charge-offs | 342.2000% | 875 |
| Earnings coverage of net charge-offs (x) | 11.5560% | 2,558 |
| Efficiency ratio | 75.4941% | 2,355 |
| Assets per employee ($millions) | 3.0748% | 5,449 |
| Cash dividends to net income (ytd only)* | 27.5111% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 2,112 |
| Loan loss allowance to noncurrent loans | 165.3054% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 3,282 |
| Noncurrent loans to loans | 0.8933% | 2,560 |
| Net loans and leases to total assets | 64.5733% | 3,191 |
| Net loans and leases to deposits | 80.5994% | 2,754 |
| Net loans and leases to core deposits | 88.9095% | 2,511 |
| Total domestic deposits to total assets | 80.1163% | 4,715 |
| Equity capital to assets | 8.7758% | 5,332 |
| Core capital (leverage) ratio | 8.7960% | 5,114 |
| Tier 1 risk-based capital ratio | 10.8829% | 5,583 |
| Total risk-based capital ratio | 12.0850% | 5,513 |
| Memoranda: | ||
| Average total assets | $974,108,200 | 712 |
| Average earning assets | $898,998,600 | 697 |
| Average equity | $84,177,800 | 906 |
| Average total loans | $600,637,000 | 774 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,011 |
| Cost of funding earning assets | 0.7095% | 802 |
| Net interest margin | 4.0443% | 1,573 |
| Noninterest income to average assets | 1.0691% | 1,052 |
| Noninterest expense to average assets | 3.6974% | 980 |
| Loan and lease loss provision to assets | 0.1773% | 1,188 |
| Net operating income to assets | 0.8355% | 3,247 |
| Return on assets (ROA) | 0.9447% | 2,839 |
| Pretax return on assets | 1.0434% | 3,440 |
| Return on Equity (ROE) | 10.9753% | 1,720 |
| Retained earnings to average equity (ytd only) | 7.6918% | 1,378 |
| Net charge-offs to loans | 0.1881% | 1,357 |
| Credit loss provision to net charge-offs | 155.3550% | 1,636 |
| Earnings coverage of net charge-offs (x) | 9.6450% | 2,678 |
| Efficiency ratio | 77.0600% | 2,081 |
| Assets per employee ($millions) | 3.1163% | 5,411 |
| Cash dividends to net income (ytd only)* | 29.9171% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,305 |
| Loan loss allowance to noncurrent loans | 126.0126% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,429 |
| Noncurrent loans to loans | 1.0002% | 2,484 |
| Net loans and leases to total assets | 60.0088% | 3,883 |
| Net loans and leases to deposits | 74.0507% | 3,543 |
| Net loans and leases to core deposits | 81.5167% | 3,305 |
| Total domestic deposits to total assets | 81.0374% | 4,465 |
| Equity capital to assets | 8.6668% | 5,598 |
| Core capital (leverage) ratio | 8.5881% | 5,473 |
| Tier 1 risk-based capital ratio | 10.9171% | 5,693 |
| Total risk-based capital ratio | 11.9036% | 5,750 |
| Memoranda: | ||
| Average total assets | $970,883,000 | 720 |
| Average earning assets | $895,207,250 | 707 |
| Average equity | $83,567,750 | 919 |
| Average total loans | $589,072,000 | 796 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 1,018 |
| Cost of funding earning assets | 0.7040% | 827 |
| Net interest margin | 4.0245% | 1,570 |
| Noninterest income to average assets | 1.0540% | 1,066 |
| Noninterest expense to average assets | 3.6935% | 994 |
| Loan and lease loss provision to assets | 0.2072% | 940 |
| Net operating income to assets | 0.7976% | 3,404 |
| Return on assets (ROA) | 0.9413% | 2,803 |
| Pretax return on assets | 1.0187% | 3,505 |
| Return on Equity (ROE) | 10.9621% | 1,695 |
| Retained earnings to average equity (ytd only) | 7.6478% | 1,409 |
| Net charge-offs to loans | 0.1810% | 1,373 |
| Credit loss provision to net charge-offs | 188.8469% | 1,293 |
| Earnings coverage of net charge-offs (x) | 9.7486% | 2,421 |
| Efficiency ratio | 77.5421% | 2,134 |
| Assets per employee ($millions) | 3.1900% | 5,358 |
| Cash dividends to net income (ytd only)* | 30.2336% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,450 |
| Loan loss allowance to noncurrent loans | 175.9491% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 4,161 |
| Noncurrent loans to loans | 0.7167% | 3,340 |
| Net loans and leases to total assets | 59.9906% | 3,836 |
| Net loans and leases to deposits | 77.3165% | 3,113 |
| Net loans and leases to core deposits | 85.3766% | 2,835 |
| Total domestic deposits to total assets | 77.5909% | 5,362 |
| Equity capital to assets | 8.1201% | 5,927 |
| Core capital (leverage) ratio | 8.4908% | 5,540 |
| Tier 1 risk-based capital ratio | 11.6240% | 5,390 |
| Total risk-based capital ratio | 12.6934% | 5,420 |
| Memoranda: | ||
| Average total assets | $964,180,000 | 727 |
| Average earning assets | $888,661,670 | 718 |
| Average equity | $82,794,670 | 927 |
| Average total loans | $584,671,670 | 803 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 1,169 |
| Cost of funding earning assets | 0.6874% | 914 |
| Net interest margin | 3.9395% | 1,747 |
| Noninterest income to average assets | 1.0318% | 1,051 |
| Noninterest expense to average assets | 3.7326% | 962 |
| Loan and lease loss provision to assets | 0.2799% | 542 |
| Net operating income to assets | 0.6467% | 4,063 |
| Return on assets (ROA) | 0.7426% | 3,708 |
| Pretax return on assets | 0.7493% | 4,431 |
| Return on Equity (ROE) | 8.4087% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.1387% | 2,975 |
| Net charge-offs to loans | 0.2502% | 956 |
| Credit loss provision to net charge-offs | 184.7222% | 1,105 |
| Earnings coverage of net charge-offs (x) | 6.1528% | 2,323 |
| Efficiency ratio | 80.0126% | 1,896 |
| Assets per employee ($millions) | 3.2072% | 5,401 |
| Cash dividends to net income (ytd only)* | 38.8889% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 3,583 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 4,296 |
| Noncurrent loans to loans | 0.6926% | 3,545 |
| Net loans and leases to total assets | 58.5332% | 3,869 |
| Net loans and leases to deposits | 75.2816% | 3,138 |
| Net loans and leases to core deposits | 82.1833% | 2,950 |
| Total domestic deposits to total assets | 77.7524% | 5,492 |
| Equity capital to assets | 8.6182% | 5,642 |
| Core capital (leverage) ratio | 8.7942% | 5,211 |
| Tier 1 risk-based capital ratio | 11.0884% | 5,763 |
| Total risk-based capital ratio | 12.1145% | 5,798 |
| Memoranda: | ||
| Average total assets | $950,229,500 | 733 |
| Average earning assets | $876,360,500 | 730 |
| Average equity | $83,913,000 | 911 |
| Average total loans | $575,629,500 | 810 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 1,097 |
| Cost of funding earning assets | 0.7336% | 931 |
| Net interest margin | 4.0751% | 1,662 |
| Noninterest income to average assets | 1.2687% | 751 |
| Noninterest expense to average assets | 3.8054% | 983 |
| Loan and lease loss provision to assets | 0.0673% | 3,144 |
| Net operating income to assets | 1.0022% | 2,372 |
| Return on assets (ROA) | 1.1726% | 1,739 |
| Pretax return on assets | 1.3376% | 2,115 |
| Return on Equity (ROE) | 13.4269% | 1,057 |
| Retained earnings to average equity (ytd only) | 10.0688% | 507 |
| Net charge-offs to loans | 0.1495% | 2,540 |
| Credit loss provision to net charge-offs | 73.8636% | 2,986 |
| Earnings coverage of net charge-offs (x) | 13.2866% | 2,279 |
| Efficiency ratio | 75.8564% | 2,528 |
| Assets per employee ($millions) | 3.0613% | 5,615 |
| Cash dividends to net income (ytd only)* | 25.0098% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,658 |
| Loan loss allowance to noncurrent loans | 174.0117% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 4,184 |
| Noncurrent loans to loans | 0.7245% | 3,515 |
| Net loans and leases to total assets | 61.2195% | 3,609 |
| Net loans and leases to deposits | 75.3655% | 3,269 |
| Net loans and leases to core deposits | 82.8745% | 3,012 |
| Total domestic deposits to total assets | 81.2301% | 4,669 |
| Equity capital to assets | 9.1425% | 5,136 |
| Core capital (leverage) ratio | 9.0395% | 4,931 |
| Tier 1 risk-based capital ratio | 12.4070% | 5,084 |
| Total risk-based capital ratio | 13.5232% | 5,091 |
| Memoranda: | ||
| Average total assets | $868,822,200 | 770 |
| Average earning assets | $799,041,800 | 761 |
| Average equity | $75,877,800 | 965 |
| Average total loans | $529,630,800 | 830 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 1,093 |
| Cost of funding earning assets | 0.7360% | 958 |
| Net interest margin | 4.0718% | 1,666 |
| Noninterest income to average assets | 1.2227% | 816 |
| Noninterest expense to average assets | 3.7626% | 1,020 |
| Loan and lease loss provision to assets | 0.0536% | 3,300 |
| Net operating income to assets | 1.0118% | 2,399 |
| Return on assets (ROA) | 1.1655% | 1,873 |
| Pretax return on assets | 1.3209% | 2,301 |
| Return on Equity (ROE) | 13.5139% | 1,093 |
| Retained earnings to average equity (ytd only) | 10.0705% | 687 |
| Net charge-offs to loans | 0.1416% | 2,379 |
| Credit loss provision to net charge-offs | 62.3870% | 2,903 |
| Earnings coverage of net charge-offs (x) | 13.9621% | 2,179 |
| Efficiency ratio | 75.8213% | 2,524 |
| Assets per employee ($millions) | 3.0517% | 5,676 |
| Cash dividends to net income (ytd only)* | 25.4800% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 3,583 |
| Loan loss allowance to noncurrent loans | 145.6886% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 3,986 |
| Noncurrent loans to loans | 0.9012% | 3,310 |
| Net loans and leases to total assets | 59.5313% | 3,868 |
| Net loans and leases to deposits | 71.5979% | 3,726 |
| Net loans and leases to core deposits | 79.3138% | 3,400 |
| Total domestic deposits to total assets | 83.1466% | 4,079 |
| Equity capital to assets | 9.0302% | 5,319 |
| Core capital (leverage) ratio | 9.0562% | 4,990 |
| Tier 1 risk-based capital ratio | 12.2984% | 5,301 |
| Total risk-based capital ratio | 13.4496% | 5,286 |
| Memoranda: | ||
| Average total assets | $857,960,000 | 788 |
| Average earning assets | $788,001,750 | 781 |
| Average equity | $73,996,250 | 989 |
| Average total loans | $520,633,750 | 855 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 1,067 |
| Cost of funding earning assets | 0.7312% | 1,018 |
| Net interest margin | 4.0686% | 1,610 |
| Noninterest income to average assets | 1.1883% | 830 |
| Noninterest expense to average assets | 3.8350% | 929 |
| Loan and lease loss provision to assets | 0.0818% | 2,671 |
| Net operating income to assets | 0.9056% | 2,775 |
| Return on assets (ROA) | 1.1087% | 1,979 |
| Pretax return on assets | 1.2282% | 2,542 |
| Return on Equity (ROE) | 13.0737% | 1,158 |
| Retained earnings to average equity (ytd only) | 9.5132% | 836 |
| Net charge-offs to loans | 0.1442% | 2,231 |
| Credit loss provision to net charge-offs | 93.2432% | 2,128 |
| Earnings coverage of net charge-offs (x) | 12.3649% | 2,066 |
| Efficiency ratio | 77.9582% | 2,295 |
| Assets per employee ($millions) | 2.9416% | 5,834 |
| Cash dividends to net income (ytd only)* | 27.2339% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 3,558 |
| Loan loss allowance to noncurrent loans | 168.5727% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 4,297 |
| Noncurrent loans to loans | 0.8046% | 3,695 |
| Net loans and leases to total assets | 60.8644% | 3,587 |
| Net loans and leases to deposits | 73.2761% | 3,424 |
| Net loans and leases to core deposits | 81.2232% | 3,074 |
| Total domestic deposits to total assets | 83.0618% | 4,277 |
| Equity capital to assets | 8.8290% | 5,496 |
| Core capital (leverage) ratio | 9.1631% | 4,799 |
| Tier 1 risk-based capital ratio | 12.1958% | 5,423 |
| Total risk-based capital ratio | 13.4012% | 5,367 |
| Memoranda: | ||
| Average total assets | $843,864,000 | 799 |
| Average earning assets | $773,824,000 | 795 |
| Average equity | $71,563,670 | 1,015 |
| Average total loans | $513,158,670 | 863 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 1,027 |
| Cost of funding earning assets | 0.7329% | 1,054 |
| Net interest margin | 4.0755% | 1,532 |
| Noninterest income to average assets | 1.1233% | 883 |
| Noninterest expense to average assets | 3.7753% | 1,026 |
| Loan and lease loss provision to assets | 0.1665% | 1,452 |
| Net operating income to assets | 0.8284% | 3,013 |
| Return on assets (ROA) | 1.1098% | 1,833 |
| Pretax return on assets | 1.2290% | 2,356 |
| Return on Equity (ROE) | 13.3763% | 1,066 |
| Retained earnings to average equity (ytd only) | 9.6716% | 1,059 |
| Net charge-offs to loans | 0.1303% | 1,933 |
| Credit loss provision to net charge-offs | 211.6564% | 994 |
| Earnings coverage of net charge-offs (x) | 13.7669% | 1,652 |
| Efficiency ratio | 77.7116% | 2,514 |
| Assets per employee ($millions) | 2.8598% | 6,034 |
| Cash dividends to net income (ytd only)* | 27.6957% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,282 |
| Loan loss allowance to noncurrent loans | 190.9114% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 4,568 |
| Noncurrent loans to loans | 0.7706% | 3,933 |
| Net loans and leases to total assets | 60.3111% | 3,505 |
| Net loans and leases to deposits | 70.1408% | 3,588 |
| Net loans and leases to core deposits | 77.1293% | 3,292 |
| Total domestic deposits to total assets | 85.9858% | 3,371 |
| Equity capital to assets | 8.5770% | 5,573 |
| Core capital (leverage) ratio | 9.2564% | 4,637 |
| Tier 1 risk-based capital ratio | 12.3955% | 5,371 |
| Total risk-based capital ratio | 13.6463% | 5,310 |
| Memoranda: | ||
| Average total assets | $828,973,500 | 824 |
| Average earning assets | $759,670,500 | 817 |
| Average equity | $68,778,500 | 1,061 |
| Average total loans | $500,213,000 | 885 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 1,095 |
| Cost of funding earning assets | 0.7283% | 1,635 |
| Net interest margin | 4.1728% | 1,438 |
| Noninterest income to average assets | 1.4334% | 678 |
| Noninterest expense to average assets | 3.8635% | 1,039 |
| Loan and lease loss provision to assets | 0.2000% | 1,858 |
| Net operating income to assets | 1.0380% | 2,171 |
| Return on assets (ROA) | 1.2426% | 1,474 |
| Pretax return on assets | 1.4450% | 1,639 |
| Return on Equity (ROE) | 14.8886% | 786 |
| Retained earnings to average equity (ytd only) | 11.7091% | 345 |
| Net charge-offs to loans | 0.2833% | 2,279 |
| Credit loss provision to net charge-offs | 123.5741% | 1,924 |
| Earnings coverage of net charge-offs (x) | 8.6935% | 2,626 |
| Efficiency ratio | 73.3034% | 3,244 |
| Assets per employee ($millions) | 2.8375% | 6,059 |
| Cash dividends to net income (ytd only)* | 21.3550% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,197 |
| Loan loss allowance to noncurrent loans | 173.1241% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 4,514 |
| Noncurrent loans to loans | 0.8662% | 3,814 |
| Net loans and leases to total assets | 58.5663% | 3,942 |
| Net loans and leases to deposits | 70.9865% | 3,656 |
| Net loans and leases to core deposits | 76.9685% | 3,497 |
| Total domestic deposits to total assets | 82.5035% | 4,710 |
| Equity capital to assets | 8.0125% | 6,009 |
| Core capital (leverage) ratio | 9.0099% | 4,986 |
| Tier 1 risk-based capital ratio | 12.3216% | 5,414 |
| Total risk-based capital ratio | 13.5723% | 5,339 |
| Memoranda: | ||
| Average total assets | $812,465,600 | 819 |
| Average earning assets | $747,127,400 | 810 |
| Average equity | $67,810,400 | 1,052 |
| Average total loans | $464,142,600 | 914 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 1,214 |
| Cost of funding earning assets | 0.7298% | 1,741 |
| Net interest margin | 4.1307% | 1,534 |
| Noninterest income to average assets | 1.4690% | 683 |
| Noninterest expense to average assets | 3.7248% | 1,212 |
| Loan and lease loss provision to assets | 0.1712% | 2,123 |
| Net operating income to assets | 1.1658% | 1,755 |
| Return on assets (ROA) | 1.3210% | 1,349 |
| Pretax return on assets | 1.5573% | 1,456 |
| Return on Equity (ROE) | 15.6685% | 688 |
| Retained earnings to average equity (ytd only) | 12.7023% | 367 |
| Net charge-offs to loans | 0.2172% | 2,524 |
| Credit loss provision to net charge-offs | 139.4102% | 1,680 |
| Earnings coverage of net charge-offs (x) | 12.5872% | 2,123 |
| Efficiency ratio | 70.6700% | 3,648 |
| Assets per employee ($millions) | 2.9178% | 5,984 |
| Cash dividends to net income (ytd only)* | 18.9307% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 3,314 |
| Loan loss allowance to noncurrent loans | 151.2392% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 4,535 |
| Noncurrent loans to loans | 1.0144% | 3,779 |
| Net loans and leases to total assets | 56.5193% | 4,242 |
| Net loans and leases to deposits | 68.8172% | 3,960 |
| Net loans and leases to core deposits | 73.2428% | 3,942 |
| Total domestic deposits to total assets | 82.1297% | 4,877 |
| Equity capital to assets | 7.8361% | 6,241 |
| Core capital (leverage) ratio | 8.9519% | 5,200 |
| Tier 1 risk-based capital ratio | 12.1966% | 5,651 |
| Total risk-based capital ratio | 13.4479% | 5,588 |
| Memoranda: | ||
| Average total assets | $809,864,000 | 827 |
| Average earning assets | $745,351,000 | 816 |
| Average equity | $68,279,750 | 1,052 |
| Average total loans | $457,862,500 | 931 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 1,316 |
| Cost of funding earning assets | 0.7367% | 1,797 |
| Net interest margin | 4.0706% | 1,629 |
| Noninterest income to average assets | 1.4846% | 716 |
| Noninterest expense to average assets | 3.7504% | 1,164 |
| Loan and lease loss provision to assets | 0.1645% | 2,272 |
| Net operating income to assets | 1.1231% | 1,846 |
| Return on assets (ROA) | 1.3212% | 1,350 |
| Pretax return on assets | 1.5641% | 1,454 |
| Return on Equity (ROE) | 15.2974% | 761 |
| Retained earnings to average equity (ytd only) | 12.3978% | 439 |
| Net charge-offs to loans | 0.2809% | 2,075 |
| Credit loss provision to net charge-offs | 104.1009% | 2,120 |
| Earnings coverage of net charge-offs (x) | 9.4495% | 2,283 |
| Efficiency ratio | 71.5284% | 3,553 |
| Assets per employee ($millions) | 2.9040% | 6,015 |
| Cash dividends to net income (ytd only)* | 18.9551% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,403 |
| Loan loss allowance to noncurrent loans | 167.1168% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 4,792 |
| Noncurrent loans to loans | 0.9214% | 4,082 |
| Net loans and leases to total assets | 56.4796% | 4,213 |
| Net loans and leases to deposits | 65.2924% | 4,343 |
| Net loans and leases to core deposits | 68.9625% | 4,397 |
| Total domestic deposits to total assets | 86.5025% | 3,114 |
| Equity capital to assets | 7.8818% | 6,279 |
| Core capital (leverage) ratio | 8.8166% | 5,267 |
| Tier 1 risk-based capital ratio | 12.3219% | 5,610 |
| Total risk-based capital ratio | 13.5726% | 5,562 |
| Memoranda: | ||
| Average total assets | $802,631,330 | 834 |
| Average earning assets | $741,120,000 | 817 |
| Average equity | $69,319,000 | 1,045 |
| Average total loans | $451,378,000 | 944 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 1,299 |
| Cost of funding earning assets | 0.7386% | 1,933 |
| Net interest margin | 4.0572% | 1,599 |
| Noninterest income to average assets | 1.4670% | 720 |
| Noninterest expense to average assets | 3.6160% | 1,392 |
| Loan and lease loss provision to assets | 0.1640% | 2,225 |
| Net operating income to assets | 1.2439% | 1,408 |
| Return on assets (ROA) | 1.3427% | 1,264 |
| Pretax return on assets | 1.5619% | 1,398 |
| Return on Equity (ROE) | 14.9007% | 791 |
| Retained earnings to average equity (ytd only) | 12.1975% | 669 |
| Net charge-offs to loans | 0.0893% | 2,946 |
| Credit loss provision to net charge-offs | 330.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 32.4100% | 926 |
| Efficiency ratio | 69.1774% | 4,119 |
| Assets per employee ($millions) | 3.0083% | 5,972 |
| Cash dividends to net income (ytd only)* | 18.1414% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,299 |
| Loan loss allowance to noncurrent loans | 107.6216% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 4,198 |
| Noncurrent loans to loans | 1.5093% | 3,289 |
| Net loans and leases to total assets | 54.1179% | 4,394 |
| Net loans and leases to deposits | 63.2156% | 4,392 |
| Net loans and leases to core deposits | 67.0664% | 4,409 |
| Total domestic deposits to total assets | 85.6085% | 3,732 |
| Equity capital to assets | 8.9561% | 5,548 |
| Core capital (leverage) ratio | 8.5799% | 5,469 |
| Tier 1 risk-based capital ratio | 12.1904% | 5,797 |
| Total risk-based capital ratio | 13.4417% | 5,755 |
| Memoranda: | ||
| Average total assets | $804,647,000 | 834 |
| Average earning assets | $745,736,000 | 822 |
| Average equity | $72,506,500 | 1,005 |
| Average total loans | $448,017,000 | 957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 1,420 |
| Cost of funding earning assets | 0.8833% | 2,051 |
| Net interest margin | 4.1708% | 1,740 |
| Noninterest income to average assets | 1.3099% | 895 |
| Noninterest expense to average assets | 3.6719% | 1,466 |
| Loan and lease loss provision to assets | 0.2380% | 2,754 |
| Net operating income to assets | 1.0427% | 2,157 |
| Return on assets (ROA) | 1.2656% | 1,557 |
| Pretax return on assets | 1.5196% | 1,623 |
| Return on Equity (ROE) | 14.2872% | 940 |
| Retained earnings to average equity (ytd only) | 11.3321% | 403 |
| Net charge-offs to loans | 0.1056% | 4,611 |
| Credit loss provision to net charge-offs | 406.5315% | 591 |
| Earnings coverage of net charge-offs (x) | 25.4324% | 1,137 |
| Efficiency ratio | 71.1468% | 3,599 |
| Assets per employee ($millions) | 3.1257% | 5,798 |
| Cash dividends to net income (ytd only)* | 20.6835% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,457 |
| Loan loss allowance to noncurrent loans | 169.3086% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 5,077 |
| Noncurrent loans to loans | 0.9241% | 4,342 |
| Net loans and leases to total assets | 55.4769% | 4,383 |
| Net loans and leases to deposits | 64.3065% | 4,497 |
| Net loans and leases to core deposits | 68.4259% | 4,491 |
| Total domestic deposits to total assets | 86.2694% | 3,221 |
| Equity capital to assets | 9.0669% | 5,445 |
| Core capital (leverage) ratio | 8.3671% | 5,803 |
| Tier 1 risk-based capital ratio | 12.0797% | 5,736 |
| Total risk-based capital ratio | 13.3309% | 5,697 |
| Memoranda: | ||
| Average total assets | $758,296,600 | 879 |
| Average earning assets | $700,185,800 | 863 |
| Average equity | $67,172,000 | 1,047 |
| Average total loans | $420,374,800 | 996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1176% | 1,386 |
| Cost of funding earning assets | 0.9094% | 2,111 |
| Net interest margin | 4.2082% | 1,714 |
| Noninterest income to average assets | 1.2628% | 931 |
| Noninterest expense to average assets | 3.5003% | 1,760 |
| Loan and lease loss provision to assets | 0.2672% | 2,440 |
| Net operating income to assets | 1.1341% | 1,972 |
| Return on assets (ROA) | 1.3498% | 1,472 |
| Pretax return on assets | 1.6369% | 1,460 |
| Return on Equity (ROE) | 15.3344% | 844 |
| Retained earnings to average equity (ytd only) | 12.5584% | 433 |
| Net charge-offs to loans | 0.0765% | 4,640 |
| Credit loss provision to net charge-offs | 632.9114% | 425 |
| Earnings coverage of net charge-offs (x) | 38.8779% | 900 |
| Efficiency ratio | 68.0812% | 4,043 |
| Assets per employee ($millions) | 3.0114% | 6,035 |
| Cash dividends to net income (ytd only)* | 18.1027% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 3,546 |
| Loan loss allowance to noncurrent loans | 233.5693% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 5,452 |
| Noncurrent loans to loans | 0.6817% | 5,080 |
| Net loans and leases to total assets | 54.9134% | 4,603 |
| Net loans and leases to deposits | 63.7395% | 4,748 |
| Net loans and leases to core deposits | 67.9483% | 4,729 |
| Total domestic deposits to total assets | 86.1528% | 3,168 |
| Equity capital to assets | 9.2097% | 5,583 |
| Core capital (leverage) ratio | 8.5794% | 5,650 |
| Tier 1 risk-based capital ratio | 12.1865% | 5,841 |
| Total risk-based capital ratio | 13.4378% | 5,805 |
| Memoranda: | ||
| Average total assets | $748,609,750 | 896 |
| Average earning assets | $689,972,250 | 883 |
| Average equity | $65,898,250 | 1,078 |
| Average total loans | $413,167,750 | 1,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 1,290 |
| Cost of funding earning assets | 0.9337% | 2,157 |
| Net interest margin | 4.2542% | 1,590 |
| Noninterest income to average assets | 1.2233% | 958 |
| Noninterest expense to average assets | 3.5293% | 1,725 |
| Loan and lease loss provision to assets | 0.3089% | 2,137 |
| Net operating income to assets | 1.0779% | 2,133 |
| Return on assets (ROA) | 1.4000% | 1,332 |
| Pretax return on assets | 1.6877% | 1,296 |
| Return on Equity (ROE) | 16.1670% | 748 |
| Retained earnings to average equity (ytd only) | 13.3291% | 405 |
| Net charge-offs to loans | 0.0803% | 4,342 |
| Credit loss provision to net charge-offs | 699.3865% | 457 |
| Earnings coverage of net charge-offs (x) | 36.4233% | 943 |
| Efficiency ratio | 68.6917% | 4,004 |
| Assets per employee ($millions) | 3.0105% | 6,045 |
| Cash dividends to net income (ytd only)* | 17.5537% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 3,649 |
| Loan loss allowance to noncurrent loans | 232.2727% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 5,533 |
| Noncurrent loans to loans | 0.6834% | 5,140 |
| Net loans and leases to total assets | 54.0707% | 4,788 |
| Net loans and leases to deposits | 62.8138% | 4,899 |
| Net loans and leases to core deposits | 66.9458% | 4,904 |
| Total domestic deposits to total assets | 86.0810% | 3,315 |
| Equity capital to assets | 8.9255% | 5,781 |
| Core capital (leverage) ratio | 8.3169% | 5,886 |
| Tier 1 risk-based capital ratio | 12.2192% | 5,778 |
| Total risk-based capital ratio | 13.4705% | 5,763 |
| Memoranda: | ||
| Average total assets | $738,159,330 | 910 |
| Average earning assets | $679,237,000 | 897 |
| Average equity | $63,920,330 | 1,109 |
| Average total loans | $405,812,670 | 1,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 1,050 |
| Cost of funding earning assets | 0.9427% | 2,357 |
| Net interest margin | 4.3807% | 1,273 |
| Noninterest income to average assets | 1.0804% | 1,232 |
| Noninterest expense to average assets | 3.4966% | 1,770 |
| Loan and lease loss provision to assets | 0.2148% | 2,804 |
| Net operating income to assets | 1.1881% | 1,771 |
| Return on assets (ROA) | 1.4493% | 1,253 |
| Pretax return on assets | 1.7065% | 1,283 |
| Return on Equity (ROE) | 17.0108% | 670 |
| Retained earnings to average equity (ytd only) | 14.1606% | 551 |
| Net charge-offs to loans | 0.0561% | 3,940 |
| Credit loss provision to net charge-offs | 696.4286% | 508 |
| Earnings coverage of net charge-offs (x) | 52.3393% | 617 |
| Efficiency ratio | 68.4194% | 4,088 |
| Assets per employee ($millions) | 3.0600% | 6,041 |
| Cash dividends to net income (ytd only)* | 16.7553% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 4,213 |
| Loan loss allowance to noncurrent loans | 208.5129% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 5,557 |
| Noncurrent loans to loans | 0.7145% | 5,235 |
| Net loans and leases to total assets | 53.8068% | 4,756 |
| Net loans and leases to deposits | 62.1652% | 4,886 |
| Net loans and leases to core deposits | 66.3540% | 4,876 |
| Total domestic deposits to total assets | 86.5545% | 3,207 |
| Equity capital to assets | 8.6915% | 5,882 |
| Core capital (leverage) ratio | 8.4013% | 5,738 |
| Tier 1 risk-based capital ratio | 12.1836% | 5,835 |
| Total risk-based capital ratio | 13.4337% | 5,816 |
| Memoranda: | ||
| Average total assets | $726,414,500 | 918 |
| Average earning assets | $668,302,500 | 911 |
| Average equity | $61,890,000 | 1,145 |
| Average total loans | $399,483,000 | 1,056 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 1,500 |
| Cost of funding earning assets | 0.9709% | 3,573 |
| Net interest margin | 4.3989% | 1,402 |
| Noninterest income to average assets | 1.0769% | 1,151 |
| Noninterest expense to average assets | 3.6992% | 1,540 |
| Loan and lease loss provision to assets | 0.1631% | 4,590 |
| Net operating income to assets | 1.0448% | 2,026 |
| Return on assets (ROA) | 1.1003% | 1,945 |
| Pretax return on assets | 1.2815% | 2,200 |
| Return on Equity (ROE) | 13.9138% | 952 |
| Retained earnings to average equity (ytd only) | 10.6515% | 453 |
| Net charge-offs to loans | 0.2355% | 4,307 |
| Credit loss provision to net charge-offs | 126.4368% | 2,458 |
| Earnings coverage of net charge-offs (x) | 10.6989% | 1,807 |
| Efficiency ratio | 72.8289% | 3,424 |
| Assets per employee ($millions) | 2.9561% | 6,182 |
| Cash dividends to net income (ytd only)* | 23.4470% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 4,334 |
| Loan loss allowance to noncurrent loans | 190.0402% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 5,532 |
| Noncurrent loans to loans | 0.7527% | 5,193 |
| Net loans and leases to total assets | 54.5864% | 4,936 |
| Net loans and leases to deposits | 64.6963% | 4,909 |
| Net loans and leases to core deposits | 68.4537% | 4,978 |
| Total domestic deposits to total assets | 84.3733% | 4,154 |
| Equity capital to assets | 8.3430% | 6,312 |
| Core capital (leverage) ratio | 8.3367% | 5,798 |
| Tier 1 risk-based capital ratio | 12.0385% | 5,811 |
| Total risk-based capital ratio | 13.2595% | 5,804 |
| Memoranda: | ||
| Average total assets | $674,449,800 | 962 |
| Average earning assets | $613,659,600 | 958 |
| Average equity | $53,335,400 | 1,273 |
| Average total loans | $369,429,000 | 1,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4018% | 1,501 |
| Cost of funding earning assets | 0.9800% | 3,818 |
| Net interest margin | 4.4218% | 1,340 |
| Noninterest income to average assets | 1.1217% | 1,050 |
| Noninterest expense to average assets | 3.6433% | 1,618 |
| Loan and lease loss provision to assets | 0.1596% | 4,469 |
| Net operating income to assets | 1.1165% | 1,914 |
| Return on assets (ROA) | 1.1386% | 1,965 |
| Pretax return on assets | 1.3584% | 2,091 |
| Return on Equity (ROE) | 14.6140% | 916 |
| Retained earnings to average equity (ytd only) | 11.5222% | 550 |
| Net charge-offs to loans | 0.2492% | 3,870 |
| Credit loss provision to net charge-offs | 117.2566% | 2,783 |
| Earnings coverage of net charge-offs (x) | 10.9601% | 1,862 |
| Efficiency ratio | 70.9511% | 3,748 |
| Assets per employee ($millions) | 2.9647% | 6,196 |
| Cash dividends to net income (ytd only)* | 21.1566% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 4,087 |
| Loan loss allowance to noncurrent loans | 189.8803% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 5,479 |
| Noncurrent loans to loans | 0.7905% | 5,296 |
| Net loans and leases to total assets | 52.5391% | 5,382 |
| Net loans and leases to deposits | 60.5382% | 5,576 |
| Net loans and leases to core deposits | 63.8138% | 5,634 |
| Total domestic deposits to total assets | 86.7866% | 2,781 |
| Equity capital to assets | 8.6636% | 6,124 |
| Core capital (leverage) ratio | 8.4304% | 5,805 |
| Tier 1 risk-based capital ratio | 12.4535% | 5,530 |
| Total risk-based capital ratio | 13.7037% | 5,525 |
| Memoranda: | ||
| Average total assets | $664,218,250 | 982 |
| Average earning assets | $602,841,750 | 978 |
| Average equity | $51,748,250 | 1,317 |
| Average total loans | $362,745,000 | 1,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 1,359 |
| Cost of funding earning assets | 0.9991% | 3,955 |
| Net interest margin | 4.4712% | 1,199 |
| Noninterest income to average assets | 1.0541% | 1,182 |
| Noninterest expense to average assets | 3.6013% | 1,738 |
| Loan and lease loss provision to assets | 0.1207% | 4,768 |
| Net operating income to assets | 1.1289% | 1,791 |
| Return on assets (ROA) | 1.1449% | 1,816 |
| Pretax return on assets | 1.3894% | 1,825 |
| Return on Equity (ROE) | 15.3012% | 744 |
| Retained earnings to average equity (ytd only) | 12.0989% | 506 |
| Net charge-offs to loans | 0.1848% | 4,054 |
| Credit loss provision to net charge-offs | 118.6186% | 2,592 |
| Earnings coverage of net charge-offs (x) | 14.6456% | 1,469 |
| Efficiency ratio | 70.7263% | 3,979 |
| Assets per employee ($millions) | 3.0116% | 6,062 |
| Cash dividends to net income (ytd only)* | 20.9290% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 4,086 |
| Loan loss allowance to noncurrent loans | 173.4700% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 5,297 |
| Noncurrent loans to loans | 0.8701% | 5,215 |
| Net loans and leases to total assets | 53.1889% | 5,403 |
| Net loans and leases to deposits | 60.4839% | 5,675 |
| Net loans and leases to core deposits | 63.9785% | 5,720 |
| Total domestic deposits to total assets | 87.9389% | 2,177 |
| Equity capital to assets | 8.0655% | 6,626 |
| Core capital (leverage) ratio | 8.3039% | 5,864 |
| Tier 1 risk-based capital ratio | 12.7442% | 5,136 |
| Total risk-based capital ratio | 13.9948% | 5,109 |
| Memoranda: | ||
| Average total assets | $654,376,670 | 1,008 |
| Average earning assets | $590,939,330 | 1,012 |
| Average equity | $48,963,330 | 1,379 |
| Average total loans | $360,313,330 | 1,205 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 1,066 |
| Cost of funding earning assets | 1.0168% | 4,077 |
| Net interest margin | 4.5773% | 902 |
| Noninterest income to average assets | 1.1591% | 963 |
| Noninterest expense to average assets | 3.6029% | 1,763 |
| Loan and lease loss provision to assets | 0.2421% | 3,250 |
| Net operating income to assets | 1.1171% | 1,776 |
| Return on assets (ROA) | 1.2883% | 1,345 |
| Pretax return on assets | 1.6310% | 1,124 |
| Return on Equity (ROE) | 17.9498% | 488 |
| Retained earnings to average equity (ytd only) | 14.5588% | 429 |
| Net charge-offs to loans | 0.0614% | 4,310 |
| Credit loss provision to net charge-offs | 709.0909% | 536 |
| Earnings coverage of net charge-offs (x) | 48.5091% | 594 |
| Efficiency ratio | 68.5043% | 4,561 |
| Assets per employee ($millions) | 2.8951% | 6,363 |
| Cash dividends to net income (ytd only)* | 18.8916% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,629 |
| Loan loss allowance to noncurrent loans | 180.6573% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 5,089 |
| Noncurrent loans to loans | 0.8996% | 5,247 |
| Net loans and leases to total assets | 54.1178% | 5,284 |
| Net loans and leases to deposits | 61.0186% | 5,615 |
| Net loans and leases to core deposits | 65.4937% | 5,563 |
| Total domestic deposits to total assets | 88.6908% | 1,962 |
| Equity capital to assets | 7.4202% | 6,910 |
| Core capital (leverage) ratio | 8.6453% | 5,179 |
| Tier 1 risk-based capital ratio | 12.5403% | 5,231 |
| Total risk-based capital ratio | 13.7915% | 5,204 |
| Memoranda: | ||
| Average total assets | $644,266,000 | 1,028 |
| Average earning assets | $577,112,000 | 1,049 |
| Average equity | $46,240,000 | 1,453 |
| Average total loans | $358,315,000 | 1,223 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5882% | 1,942 |
| Cost of funding earning assets | 1.2463% | 4,239 |
| Net interest margin | 4.3420% | 1,677 |
| Noninterest income to average assets | 1.2582% | 935 |
| Noninterest expense to average assets | 3.8685% | 1,367 |
| Loan and lease loss provision to assets | 0.3213% | 4,248 |
| Net operating income to assets | 0.7833% | 2,875 |
| Return on assets (ROA) | 0.9201% | 2,439 |
| Pretax return on assets | 1.1388% | 2,436 |
| Return on Equity (ROE) | 11.5210% | 1,444 |
| Retained earnings to average equity (ytd only) | 8.6222% | 810 |
| Net charge-offs to loans | 0.5837% | 3,290 |
| Credit loss provision to net charge-offs | 93.7808% | 4,959 |
| Earnings coverage of net charge-offs (x) | 3.7685% | 3,196 |
| Efficiency ratio | 74.9762% | 3,211 |
| Assets per employee ($millions) | 2.8961% | 6,333 |
| Cash dividends to net income (ytd only)* | 25.1608% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 3,985 |
| Loan loss allowance to noncurrent loans | 185.8168% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 5,195 |
| Noncurrent loans to loans | 0.8095% | 5,429 |
| Net loans and leases to total assets | 55.3770% | 5,432 |
| Net loans and leases to deposits | 62.3947% | 5,805 |
| Net loans and leases to core deposits | 66.5822% | 5,824 |
| Total domestic deposits to total assets | 88.7527% | 1,797 |
| Equity capital to assets | 6.9331% | 7,136 |
| Core capital (leverage) ratio | 8.6173% | 5,167 |
| Tier 1 risk-based capital ratio | 11.6802% | 5,743 |
| Total risk-based capital ratio | 12.9137% | 5,763 |
| Memoranda: | ||
| Average total assets | $591,344,000 | 1,133 |
| Average earning assets | $531,350,800 | 1,149 |
| Average equity | $47,226,800 | 1,418 |
| Average total loans | $347,095,600 | 1,291 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 2,046 |
| Cost of funding earning assets | 1.3154% | 4,131 |
| Net interest margin | 4.2875% | 1,888 |
| Noninterest income to average assets | 1.3090% | 804 |
| Noninterest expense to average assets | 3.8368% | 1,308 |
| Loan and lease loss provision to assets | 0.3686% | 3,691 |
| Net operating income to assets | 0.7592% | 3,184 |
| Return on assets (ROA) | 0.9791% | 2,422 |
| Pretax return on assets | 1.2251% | 2,410 |
| Return on Equity (ROE) | 11.8269% | 1,551 |
| Retained earnings to average equity (ytd only) | 9.1068% | 1,022 |
| Net charge-offs to loans | 0.6439% | 2,820 |
| Credit loss provision to net charge-offs | 96.3834% | 4,500 |
| Earnings coverage of net charge-offs (x) | 3.4485% | 3,445 |
| Efficiency ratio | 74.4221% | 3,240 |
| Assets per employee ($millions) | 2.7973% | 6,588 |
| Cash dividends to net income (ytd only)* | 22.9990% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,671 |
| Loan loss allowance to noncurrent loans | 133.9581% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 4,864 |
| Noncurrent loans to loans | 1.1702% | 4,910 |
| Net loans and leases to total assets | 57.1899% | 5,381 |
| Net loans and leases to deposits | 66.1578% | 5,653 |
| Net loans and leases to core deposits | 69.7880% | 5,770 |
| Total domestic deposits to total assets | 86.4447% | 2,826 |
| Equity capital to assets | 8.4873% | 6,288 |
| Core capital (leverage) ratio | 8.7956% | 5,023 |
| Tier 1 risk-based capital ratio | 11.7573% | 5,678 |
| Total risk-based capital ratio | 13.0075% | 5,651 |
| Memoranda: | ||
| Average total assets | $578,448,500 | 1,169 |
| Average earning assets | $518,948,750 | 1,193 |
| Average equity | $47,889,750 | 1,408 |
| Average total loans | $343,502,000 | 1,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 2,129 |
| Cost of funding earning assets | 1.3869% | 3,960 |
| Net interest margin | 4.2161% | 2,107 |
| Noninterest income to average assets | 1.2617% | 809 |
| Noninterest expense to average assets | 3.8336% | 1,298 |
| Loan and lease loss provision to assets | 0.2281% | 4,621 |
| Net operating income to assets | 0.7682% | 3,110 |
| Return on assets (ROA) | 0.9687% | 2,385 |
| Pretax return on assets | 1.2136% | 2,368 |
| Return on Equity (ROE) | 11.8051% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.3030% | 1,012 |
| Net charge-offs to loans | 0.2587% | 4,053 |
| Credit loss provision to net charge-offs | 147.3923% | 2,680 |
| Earnings coverage of net charge-offs (x) | 7.6961% | 2,254 |
| Efficiency ratio | 76.2939% | 3,020 |
| Assets per employee ($millions) | 2.7210% | 6,746 |
| Cash dividends to net income (ytd only)* | 21.1957% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,285 |
| Loan loss allowance to noncurrent loans | 80.4909% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 4,196 |
| Noncurrent loans to loans | 2.0376% | 3,668 |
| Net loans and leases to total assets | 58.8975% | 5,267 |
| Net loans and leases to deposits | 67.7073% | 5,588 |
| Net loans and leases to core deposits | 71.6779% | 5,708 |
| Total domestic deposits to total assets | 86.9885% | 2,531 |
| Equity capital to assets | 8.2205% | 6,514 |
| Core capital (leverage) ratio | 8.8810% | 4,788 |
| Tier 1 risk-based capital ratio | 12.2922% | 5,043 |
| Total risk-based capital ratio | 13.5442% | 5,017 |
| Memoranda: | ||
| Average total assets | $569,862,670 | 1,197 |
| Average earning assets | $508,627,670 | 1,221 |
| Average equity | $46,759,330 | 1,436 |
| Average total loans | $340,986,670 | 1,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6157% | 2,089 |
| Cost of funding earning assets | 1.4377% | 3,946 |
| Net interest margin | 4.1780% | 2,130 |
| Noninterest income to average assets | 1.2651% | 768 |
| Noninterest expense to average assets | 3.9292% | 1,128 |
| Loan and lease loss provision to assets | 0.2139% | 4,374 |
| Net operating income to assets | 0.7128% | 3,382 |
| Return on assets (ROA) | 0.8935% | 2,647 |
| Pretax return on assets | 1.0889% | 2,777 |
| Return on Equity (ROE) | 10.9000% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.6987% | 1,843 |
| Net charge-offs to loans | 0.1908% | 3,780 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 9.4875% | 1,848 |
| Efficiency ratio | 78.4007% | 2,832 |
| Assets per employee ($millions) | 2.7006% | 6,866 |
| Cash dividends to net income (ytd only)* | 29.3695% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 3,136 |
| Loan loss allowance to noncurrent loans | 64.5282% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 3,656 |
| Noncurrent loans to loans | 2.6040% | 3,063 |
| Net loans and leases to total assets | 58.8402% | 5,306 |
| Net loans and leases to deposits | 67.1117% | 5,697 |
| Net loans and leases to core deposits | 71.0380% | 5,827 |
| Total domestic deposits to total assets | 87.6750% | 2,250 |
| Equity capital to assets | 8.1204% | 6,518 |
| Core capital (leverage) ratio | 9.0116% | 4,546 |
| Tier 1 risk-based capital ratio | 11.9948% | 5,202 |
| Total risk-based capital ratio | 13.2465% | 5,157 |
| Memoranda: | ||
| Average total assets | $560,923,500 | 1,240 |
| Average earning assets | $503,018,000 | 1,271 |
| Average equity | $45,981,500 | 1,464 |
| Average total loans | $335,511,500 | 1,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0299% | 1,749 |
| Cost of funding earning assets | 1.8347% | 3,813 |
| Net interest margin | 4.1952% | 2,080 |
| Noninterest income to average assets | 1.3837% | 768 |
| Noninterest expense to average assets | 3.9907% | 1,377 |
| Loan and lease loss provision to assets | 0.2961% | 5,061 |
| Net operating income to assets | 0.7059% | 2,905 |
| Return on assets (ROA) | 0.9422% | 2,090 |
| Pretax return on assets | 1.1587% | 2,069 |
| Return on Equity (ROE) | 11.2331% | 1,370 |
| Retained earnings to average equity (ytd only) | 7.8542% | 739 |
| Net charge-offs to loans | 0.2457% | 5,081 |
| Credit loss provision to net charge-offs | 197.9381% | 1,987 |
| Earnings coverage of net charge-offs (x) | 7.7745% | 2,070 |
| Efficiency ratio | 77.4315% | 3,284 |
| Assets per employee ($millions) | 2.7736% | 6,708 |
| Cash dividends to net income (ytd only)* | 30.0798% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,976 |
| Loan loss allowance to noncurrent loans | 62.9227% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9257% | 3,494 |
| Noncurrent loans to loans | 2.6660% | 2,880 |
| Net loans and leases to total assets | 58.7789% | 5,523 |
| Net loans and leases to deposits | 69.1439% | 5,707 |
| Net loans and leases to core deposits | 79.7425% | 6,127 |
| Total domestic deposits to total assets | 85.0096% | 3,545 |
| Equity capital to assets | 8.2762% | 6,228 |
| Core capital (leverage) ratio | 9.1507% | 4,197 |
| Tier 1 risk-based capital ratio | 11.9251% | 5,010 |
| Total risk-based capital ratio | 13.1769% | 4,959 |
| Memoranda: | ||
| Average total assets | $518,682,200 | 1,330 |
| Average earning assets | $466,127,000 | 1,350 |
| Average equity | $43,505,200 | 1,542 |
| Average total loans | $315,781,000 | 1,520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1131% | 1,602 |
| Cost of funding earning assets | 1.9294% | 3,726 |
| Net interest margin | 4.1837% | 2,118 |
| Noninterest income to average assets | 1.3674% | 809 |
| Noninterest expense to average assets | 4.0485% | 1,217 |
| Loan and lease loss provision to assets | 0.1729% | 5,632 |
| Net operating income to assets | 0.7236% | 3,126 |
| Return on assets (ROA) | 0.9779% | 2,194 |
| Pretax return on assets | 1.2177% | 2,208 |
| Return on Equity (ROE) | 11.6164% | 1,461 |
| Retained earnings to average equity (ytd only) | 8.1917% | 1,085 |
| Net charge-offs to loans | 0.2625% | 4,407 |
| Credit loss provision to net charge-offs | 107.6547% | 4,720 |
| Earnings coverage of net charge-offs (x) | 6.6791% | 2,556 |
| Efficiency ratio | 79.0519% | 2,985 |
| Assets per employee ($millions) | 2.6472% | 6,948 |
| Cash dividends to net income (ytd only)* | 29.4810% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,419 |
| Loan loss allowance to noncurrent loans | 63.4485% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.5365% | 4,063 |
| Noncurrent loans to loans | 2.3695% | 3,182 |
| Net loans and leases to total assets | 60.9306% | 5,438 |
| Net loans and leases to deposits | 70.7573% | 5,819 |
| Net loans and leases to core deposits | 82.5083% | 6,151 |
| Total domestic deposits to total assets | 86.1120% | 2,644 |
| Equity capital to assets | 9.0693% | 5,382 |
| Core capital (leverage) ratio | 9.3720% | 4,087 |
| Tier 1 risk-based capital ratio | 12.3957% | 4,635 |
| Total risk-based capital ratio | 13.6461% | 4,576 |
| Memoranda: | ||
| Average total assets | $509,672,500 | 1,370 |
| Average earning assets | $457,322,000 | 1,395 |
| Average equity | $42,904,000 | 1,577 |
| Average total loans | $311,820,750 | 1,559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1806% | 1,521 |
| Cost of funding earning assets | 2.0270% | 3,647 |
| Net interest margin | 4.1536% | 2,147 |
| Noninterest income to average assets | 1.3659% | 820 |
| Noninterest expense to average assets | 4.0274% | 1,279 |
| Loan and lease loss provision to assets | 0.1186% | 5,944 |
| Net operating income to assets | 0.7553% | 3,019 |
| Return on assets (ROA) | 0.9270% | 2,448 |
| Pretax return on assets | 1.1441% | 2,485 |
| Return on Equity (ROE) | 11.3127% | 1,608 |
| Retained earnings to average equity (ytd only) | 7.7654% | 1,286 |
| Net charge-offs to loans | 0.2693% | 3,841 |
| Credit loss provision to net charge-offs | 72.2892% | 5,377 |
| Earnings coverage of net charge-offs (x) | 6.4024% | 2,624 |
| Efficiency ratio | 79.3085% | 3,148 |
| Assets per employee ($millions) | 2.5421% | 7,169 |
| Cash dividends to net income (ytd only)* | 31.3567% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 3,241 |
| Loan loss allowance to noncurrent loans | 86.3352% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 4,630 |
| Noncurrent loans to loans | 1.7288% | 3,915 |
| Net loans and leases to total assets | 60.5529% | 5,598 |
| Net loans and leases to deposits | 70.3102% | 5,958 |
| Net loans and leases to core deposits | 82.0933% | 6,232 |
| Total domestic deposits to total assets | 86.1225% | 2,726 |
| Equity capital to assets | 8.4458% | 6,129 |
| Core capital (leverage) ratio | 9.3022% | 4,162 |
| Tier 1 risk-based capital ratio | 12.3869% | 4,612 |
| Total risk-based capital ratio | 13.6373% | 4,540 |
| Memoranda: | ||
| Average total assets | $505,731,670 | 1,405 |
| Average earning assets | $451,997,000 | 1,427 |
| Average equity | $41,440,000 | 1,638 |
| Average total loans | $308,227,670 | 1,604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 1,483 |
| Cost of funding earning assets | 2.1369% | 3,485 |
| Net interest margin | 4.1001% | 2,266 |
| Noninterest income to average assets | 1.2466% | 922 |
| Noninterest expense to average assets | 4.1557% | 991 |
| Loan and lease loss provision to assets | 0.0994% | 5,691 |
| Net operating income to assets | 0.5217% | 4,333 |
| Return on assets (ROA) | 0.8014% | 3,283 |
| Pretax return on assets | 0.9723% | 3,455 |
| Return on Equity (ROE) | 9.9353% | 2,345 |
| Retained earnings to average equity (ytd only) | 6.3081% | 2,496 |
| Net charge-offs to loans | 0.3485% | 2,689 |
| Credit loss provision to net charge-offs | 46.9925% | 4,729 |
| Earnings coverage of net charge-offs (x) | 3.4549% | 3,172 |
| Efficiency ratio | 85.0472% | 2,188 |
| Assets per employee ($millions) | 2.5439% | 7,198 |
| Cash dividends to net income (ytd only)* | 36.5079% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 2,792 |
| Loan loss allowance to noncurrent loans | 80.7972% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 4,246 |
| Noncurrent loans to loans | 1.8993% | 3,416 |
| Net loans and leases to total assets | 59.0896% | 5,798 |
| Net loans and leases to deposits | 68.6935% | 6,111 |
| Net loans and leases to core deposits | 80.0842% | 6,376 |
| Total domestic deposits to total assets | 86.0191% | 2,708 |
| Equity capital to assets | 7.9342% | 6,913 |
| Core capital (leverage) ratio | 9.2059% | 4,389 |
| Tier 1 risk-based capital ratio | 12.8636% | 4,280 |
| Total risk-based capital ratio | 14.1146% | 4,196 |
| Memoranda: | ||
| Average total assets | $503,116,000 | 1,410 |
| Average earning assets | $446,620,000 | 1,452 |
| Average equity | $40,582,500 | 1,679 |
| Average total loans | $305,296,000 | 1,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4828% | 3,045 |
| Cost of funding earning assets | 2.5978% | 3,696 |
| Net interest margin | 3.8849% | 3,638 |
| Noninterest income to average assets | 1.5805% | 561 |
| Noninterest expense to average assets | 4.0285% | 1,376 |
| Loan and lease loss provision to assets | 0.0714% | 6,502 |
| Net operating income to assets | 0.8258% | 3,332 |
| Return on assets (ROA) | 0.8680% | 2,991 |
| Pretax return on assets | 1.0217% | 3,305 |
| Return on Equity (ROE) | 10.7009% | 2,012 |
| Retained earnings to average equity (ytd only) | 7.3092% | 1,057 |
| Net charge-offs to loans | 0.0685% | 5,790 |
| Credit loss provision to net charge-offs | 169.9029% | 3,019 |
| Earnings coverage of net charge-offs (x) | 24.8204% | 1,361 |
| Efficiency ratio | 79.4262% | 2,680 |
| Assets per employee ($millions) | 2.5253% | 7,163 |
| Cash dividends to net income (ytd only)* | 31.6953% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 2,374 |
| Loan loss allowance to noncurrent loans | 87.9831% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 3,768 |
| Noncurrent loans to loans | 1.7793% | 3,094 |
| Net loans and leases to total assets | 60.3993% | 5,850 |
| Net loans and leases to deposits | 73.2819% | 5,919 |
| Net loans and leases to core deposits | 84.6279% | 6,245 |
| Total domestic deposits to total assets | 82.4205% | 4,036 |
| Equity capital to assets | 8.1999% | 6,552 |
| Core capital (leverage) ratio | 9.2252% | 4,403 |
| Tier 1 risk-based capital ratio | 13.0274% | 4,092 |
| Total risk-based capital ratio | 14.2794% | 4,003 |
| Memoranda: | ||
| Average total assets | $489,980,400 | 1,391 |
| Average earning assets | $440,367,800 | 1,417 |
| Average equity | $39,744,400 | 1,699 |
| Average total loans | $300,691,600 | 1,604 |