Home > The Adirondack Trust Company > Performance and Condition Ratios
The Adirondack 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 | 3.5651% | 4,371 |
| Cost of funding earning assets | 0.8253% | 3,672 |
| Net interest margin | 2.7399% | 3,761 |
| Noninterest income to average assets | 1.6600% | 334 |
| Noninterest expense to average assets | 3.0807% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8419% | 2,736 |
| Return on assets (ROA) | 0.8419% | 2,715 |
| Pretax return on assets | 1.0780% | 2,475 |
| Return on Equity (ROE) | 9.9900% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.7321% | 1,978 |
| Net charge-offs to loans | 0.0006% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2,879.5000% | 46 |
| Efficiency ratio | 73.3124% | 1,524 |
| Assets per employee ($millions) | 5.8410% | 2,952 |
| Cash dividends to net income (ytd only)* | 32.6267% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 319 |
| Loan loss allowance to noncurrent loans | 1,197.8443% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,791 |
| Noncurrent loans to loans | 0.1763% | 2,635 |
| Net loans and leases to total assets | 57.5000% | 3,077 |
| Net loans and leases to deposits | 67.0291% | 3,107 |
| Net loans and leases to core deposits | 69.9581% | 3,310 |
| Total domestic deposits to total assets | 85.7900% | 2,074 |
| Equity capital to assets | 9.1349% | 2,584 |
| Core capital (leverage) ratio | 10.1924% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7086% | 1,136 |
| Memoranda: | ||
| Average total assets | $1,602,630,200 | 681 |
| Average earning assets | $1,459,660,400 | 680 |
| Average equity | $135,023,800 | 731 |
| Average total loans | $925,735,800 | 774 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 4,384 |
| Cost of funding earning assets | 0.7329% | 3,693 |
| Net interest margin | 2.7700% | 3,778 |
| Noninterest income to average assets | 1.7000% | 344 |
| Noninterest expense to average assets | 3.0940% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8765% | 2,773 |
| Return on assets (ROA) | 0.8765% | 2,753 |
| Pretax return on assets | 1.1240% | 2,491 |
| Return on Equity (ROE) | 10.6300% | 2,470 |
| Retained earnings to average equity (ytd only) | 8.4152% | 1,834 |
| Net charge-offs to loans | 0.0009% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2,248.3333% | 63 |
| Efficiency ratio | 72.5985% | 1,501 |
| Assets per employee ($millions) | 6.4734% | 2,343 |
| Cash dividends to net income (ytd only)* | 20.8270% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 327 |
| Loan loss allowance to noncurrent loans | 686.0082% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,329 |
| Noncurrent loans to loans | 0.3111% | 2,120 |
| Net loans and leases to total assets | 56.9100% | 3,124 |
| Net loans and leases to deposits | 65.8691% | 3,140 |
| Net loans and leases to core deposits | 68.7039% | 3,288 |
| Total domestic deposits to total assets | 86.4000% | 2,067 |
| Equity capital to assets | 8.3311% | 2,836 |
| Core capital (leverage) ratio | 10.2401% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7536% | 1,143 |
| Memoranda: | ||
| Average total assets | $1,600,260,250 | 684 |
| Average earning assets | $1,456,853,000 | 681 |
| Average equity | $131,963,750 | 746 |
| Average total loans | $920,413,500 | 779 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 4,395 |
| Cost of funding earning assets | 0.6569% | 3,608 |
| Net interest margin | 2.7832% | 3,848 |
| Noninterest income to average assets | 1.6600% | 294 |
| Noninterest expense to average assets | 3.2064% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7756% | 3,154 |
| Return on assets (ROA) | 0.7756% | 3,168 |
| Pretax return on assets | 0.9890% | 2,946 |
| Return on Equity (ROE) | 9.4400% | 2,849 |
| Retained earnings to average equity (ytd only) | 6.0980% | 2,587 |
| Net charge-offs to loans | 0.0011% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,578.8000% | 87 |
| Efficiency ratio | 75.6652% | 1,203 |
| Assets per employee ($millions) | 6.3000% | 2,469 |
| Cash dividends to net income (ytd only)* | 35.3901% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 325 |
| Loan loss allowance to noncurrent loans | 684.3996% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,225 |
| Noncurrent loans to loans | 0.3165% | 2,007 |
| Net loans and leases to total assets | 57.3700% | 3,018 |
| Net loans and leases to deposits | 63.8896% | 3,196 |
| Net loans and leases to core deposits | 66.5151% | 3,326 |
| Total domestic deposits to total assets | 89.8000% | 980 |
| Equity capital to assets | 8.3840% | 2,963 |
| Core capital (leverage) ratio | 10.0845% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3917% | 1,239 |
| Memoranda: | ||
| Average total assets | $1,596,391,000 | 675 |
| Average earning assets | $1,455,035,333 | 678 |
| Average equity | $131,189,667 | 748 |
| Average total loans | $914,766,000 | 772 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3029% | 4,435 |
| Cost of funding earning assets | 0.5301% | 3,596 |
| Net interest margin | 2.7729% | 3,984 |
| Noninterest income to average assets | 1.7300% | 283 |
| Noninterest expense to average assets | 3.4955% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6133% | 3,667 |
| Return on assets (ROA) | 0.6133% | 3,622 |
| Pretax return on assets | 0.7716% | 3,528 |
| Return on Equity (ROE) | 7.5400% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.5374% | 2,353 |
| Net charge-offs to loans | 0.0013% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,033.3333% | 98 |
| Efficiency ratio | 81.1771% | 757 |
| Assets per employee ($millions) | 6.3989% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 300 |
| Loan loss allowance to noncurrent loans | 661.1821% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,100 |
| Noncurrent loans to loans | 0.3407% | 1,924 |
| Net loans and leases to total assets | 57.0500% | 2,952 |
| Net loans and leases to deposits | 63.5314% | 3,126 |
| Net loans and leases to core deposits | 65.9770% | 3,229 |
| Total domestic deposits to total assets | 89.7900% | 1,236 |
| Equity capital to assets | 8.5826% | 2,827 |
| Core capital (leverage) ratio | 10.0217% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3131% | 1,310 |
| Memoranda: | ||
| Average total assets | $1,607,090,000 | 685 |
| Average earning assets | $1,468,510,500 | 686 |
| Average equity | $130,760,500 | 758 |
| Average total loans | $910,338,500 | 786 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9950% | 4,139 |
| Cost of funding earning assets | 0.1369% | 4,193 |
| Net interest margin | 2.8581% | 3,774 |
| Noninterest income to average assets | 1.5000% | 346 |
| Noninterest expense to average assets | 2.7895% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0361% | 2,434 |
| Return on assets (ROA) | 0.9971% | 2,530 |
| Pretax return on assets | 1.3027% | 2,076 |
| Return on Equity (ROE) | 12.6900% | 1,909 |
| Retained earnings to average equity (ytd only) | 9.4723% | 1,323 |
| Net charge-offs to loans | 0.0089% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 294.8816% | 495 |
| Efficiency ratio | 66.6094% | 2,129 |
| Assets per employee ($millions) | 6.1425% | 2,642 |
| Cash dividends to net income (ytd only)* | 25.3540% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 269 |
| Loan loss allowance to noncurrent loans | 658.3333% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,172 |
| Noncurrent loans to loans | 0.3486% | 1,896 |
| Net loans and leases to total assets | 53.7400% | 3,222 |
| Net loans and leases to deposits | 59.3580% | 3,372 |
| Net loans and leases to core deposits | 61.2305% | 3,437 |
| Total domestic deposits to total assets | 90.5300% | 1,136 |
| Equity capital to assets | 7.7083% | 3,246 |
| Core capital (leverage) ratio | 9.6199% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2783% | 1,296 |
| Memoranda: | ||
| Average total assets | $1,657,442,600 | 649 |
| Average earning assets | $1,533,539,000 | 643 |
| Average equity | $130,232,400 | 750 |
| Average total loans | $857,600,200 | 779 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 4,045 |
| Cost of funding earning assets | 0.0843% | 4,388 |
| Net interest margin | 2.8254% | 3,678 |
| Noninterest income to average assets | 1.5500% | 348 |
| Noninterest expense to average assets | 2.7805% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0544% | 2,271 |
| Return on assets (ROA) | 1.0544% | 2,235 |
| Pretax return on assets | 1.3904% | 1,741 |
| Return on Equity (ROE) | 13.3600% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.2866% | 972 |
| Net charge-offs to loans | 0.0074% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 368.7021% | 414 |
| Efficiency ratio | 65.9306% | 2,289 |
| Assets per employee ($millions) | 6.5854% | 2,248 |
| Cash dividends to net income (ytd only)* | 15.4999% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3309% | 274 |
| Loan loss allowance to noncurrent loans | 530.5093% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 1,961 |
| Noncurrent loans to loans | 0.4394% | 1,710 |
| Net loans and leases to total assets | 54.0500% | 3,097 |
| Net loans and leases to deposits | 59.5353% | 3,240 |
| Net loans and leases to core deposits | 61.4669% | 3,271 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 7.3170% | 3,323 |
| Core capital (leverage) ratio | 9.1680% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3042% | 1,339 |
| Memoranda: | ||
| Average total assets | $1,661,789,000 | 656 |
| Average earning assets | $1,541,586,250 | 644 |
| Average equity | $131,185,250 | 755 |
| Average total loans | $846,503,250 | 784 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7460% | 4,072 |
| Cost of funding earning assets | 0.0649% | 4,494 |
| Net interest margin | 2.6811% | 3,741 |
| Noninterest income to average assets | 1.4906% | 339 |
| Noninterest expense to average assets | 2.7692% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9286% | 2,451 |
| Return on assets (ROA) | 0.9286% | 2,429 |
| Pretax return on assets | 1.2230% | 1,996 |
| Return on Equity (ROE) | 11.4955% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.4938% | 1,441 |
| Net charge-offs to loans | 0.0123% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 201.4510% | 535 |
| Efficiency ratio | 68.6048% | 2,158 |
| Assets per employee ($millions) | 6.6047% | 2,239 |
| Cash dividends to net income (ytd only)* | 26.1120% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4580% | 274 |
| Loan loss allowance to noncurrent loans | 583.0895% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,209 |
| Noncurrent loans to loans | 0.4215% | 1,852 |
| Net loans and leases to total assets | 49.2141% | 3,448 |
| Net loans and leases to deposits | 54.3592% | 3,517 |
| Net loans and leases to core deposits | 56.2644% | 3,546 |
| Total domestic deposits to total assets | 90.5350% | 1,447 |
| Equity capital to assets | 7.5262% | 3,456 |
| Core capital (leverage) ratio | 8.8646% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6502% | 1,272 |
| Memoranda: | ||
| Average total assets | $1,680,104,333 | 643 |
| Average earning assets | $1,567,658,667 | 635 |
| Average equity | $135,722,667 | 744 |
| Average total loans | $832,267,667 | 781 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6016% | 4,114 |
| Cost of funding earning assets | 0.0626% | 4,509 |
| Net interest margin | 2.5389% | 3,812 |
| Noninterest income to average assets | 1.5813% | 332 |
| Noninterest expense to average assets | 2.9611% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7683% | 2,782 |
| Return on assets (ROA) | 0.7683% | 2,771 |
| Pretax return on assets | 1.0070% | 2,415 |
| Return on Equity (ROE) | 9.1995% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.1995% | 1,214 |
| Net charge-offs to loans | -0.0010% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8631% | 1,756 |
| Assets per employee ($millions) | 7.0789% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 288 |
| Loan loss allowance to noncurrent loans | 1,600.6163% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,218 |
| Noncurrent loans to loans | 0.1564% | 3,021 |
| Net loans and leases to total assets | 48.4194% | 3,343 |
| Net loans and leases to deposits | 53.6442% | 3,445 |
| Net loans and leases to core deposits | 55.7000% | 3,470 |
| Total domestic deposits to total assets | 90.2604% | 1,407 |
| Equity capital to assets | 7.9407% | 3,614 |
| Core capital (leverage) ratio | 8.3984% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9367% | 1,278 |
| Memoranda: | ||
| Average total assets | $1,684,658,500 | 642 |
| Average earning assets | $1,583,664,000 | 629 |
| Average equity | $140,703,000 | 744 |
| Average total loans | $826,857,500 | 777 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8055% | 4,200 |
| Cost of funding earning assets | 0.0748% | 4,559 |
| Net interest margin | 2.7307% | 3,815 |
| Noninterest income to average assets | 1.5524% | 466 |
| Noninterest expense to average assets | 2.9002% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9028% | 3,035 |
| Return on assets (ROA) | 0.9004% | 3,104 |
| Pretax return on assets | 1.2134% | 2,620 |
| Return on Equity (ROE) | 9.9332% | 2,546 |
| Retained earnings to average equity (ytd only) | 7.1830% | 1,850 |
| Net charge-offs to loans | -0.0060% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6720% | 1,778 |
| Assets per employee ($millions) | 7.0486% | 1,894 |
| Cash dividends to net income (ytd only)* | 27.6865% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 268 |
| Loan loss allowance to noncurrent loans | 1,504.2723% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,314 |
| Noncurrent loans to loans | 0.1676% | 3,107 |
| Net loans and leases to total assets | 47.2869% | 3,571 |
| Net loans and leases to deposits | 53.1033% | 3,656 |
| Net loans and leases to core deposits | 54.9350% | 3,692 |
| Total domestic deposits to total assets | 89.0469% | 1,489 |
| Equity capital to assets | 8.7566% | 3,840 |
| Core capital (leverage) ratio | 8.3721% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9298% | 1,281 |
| Memoranda: | ||
| Average total assets | $1,595,804,600 | 650 |
| Average earning assets | $1,498,568,200 | 640 |
| Average equity | $144,646,800 | 743 |
| Average total loans | $830,231,000 | 777 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 4,250 |
| Cost of funding earning assets | 0.0798% | 4,633 |
| Net interest margin | 2.7562% | 3,876 |
| Noninterest income to average assets | 1.6361% | 468 |
| Noninterest expense to average assets | 2.8399% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0436% | 2,755 |
| Return on assets (ROA) | 1.0403% | 2,832 |
| Pretax return on assets | 1.3773% | 2,413 |
| Return on Equity (ROE) | 11.3722% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.5350% | 1,466 |
| Net charge-offs to loans | -0.0119% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5044% | 2,032 |
| Assets per employee ($millions) | 6.4961% | 2,248 |
| Cash dividends to net income (ytd only)* | 16.1551% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5762% | 257 |
| Loan loss allowance to noncurrent loans | 1,247.6305% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 3,368 |
| Noncurrent loans to loans | 0.2065% | 3,126 |
| Net loans and leases to total assets | 48.6256% | 3,561 |
| Net loans and leases to deposits | 54.8561% | 3,668 |
| Net loans and leases to core deposits | 56.8504% | 3,709 |
| Total domestic deposits to total assets | 88.6422% | 1,491 |
| Equity capital to assets | 9.1314% | 3,720 |
| Core capital (leverage) ratio | 8.3913% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0098% | 1,133 |
| Memoranda: | ||
| Average total assets | $1,570,080,250 | 665 |
| Average earning assets | $1,472,707,000 | 656 |
| Average equity | $143,621,500 | 757 |
| Average total loans | $831,779,500 | 790 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8464% | 4,291 |
| Cost of funding earning assets | 0.0841% | 4,675 |
| Net interest margin | 2.7622% | 3,871 |
| Noninterest income to average assets | 1.6068% | 481 |
| Noninterest expense to average assets | 2.8743% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9973% | 2,894 |
| Return on assets (ROA) | 0.9973% | 2,976 |
| Pretax return on assets | 1.3228% | 2,573 |
| Return on Equity (ROE) | 10.8954% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.1132% | 2,035 |
| Net charge-offs to loans | -0.0202% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7009% | 1,914 |
| Assets per employee ($millions) | 6.5466% | 2,124 |
| Cash dividends to net income (ytd only)* | 25.5355% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5094% | 274 |
| Loan loss allowance to noncurrent loans | 1,164.4656% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,447 |
| Noncurrent loans to loans | 0.2155% | 3,187 |
| Net loans and leases to total assets | 49.7935% | 3,572 |
| Net loans and leases to deposits | 56.0714% | 3,705 |
| Net loans and leases to core deposits | 57.7214% | 3,777 |
| Total domestic deposits to total assets | 88.8038% | 1,384 |
| Equity capital to assets | 8.9152% | 3,874 |
| Core capital (leverage) ratio | 8.4812% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5858% | 1,213 |
| Memoranda: | ||
| Average total assets | $1,554,267,667 | 667 |
| Average earning assets | $1,457,514,667 | 655 |
| Average equity | $142,261,333 | 758 |
| Average total loans | $839,930,667 | 786 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8299% | 4,341 |
| Cost of funding earning assets | 0.0909% | 4,699 |
| Net interest margin | 2.7390% | 3,887 |
| Noninterest income to average assets | 1.7260% | 479 |
| Noninterest expense to average assets | 3.0692% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9247% | 3,063 |
| Return on assets (ROA) | 0.9247% | 3,137 |
| Pretax return on assets | 1.2192% | 2,793 |
| Return on Equity (ROE) | 9.9645% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.9645% | 1,653 |
| Net charge-offs to loans | -0.0407% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7893% | 1,625 |
| Assets per employee ($millions) | 6.4576% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4224% | 298 |
| Loan loss allowance to noncurrent loans | 1,062.8192% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 3,494 |
| Noncurrent loans to loans | 0.2279% | 3,283 |
| Net loans and leases to total assets | 54.3128% | 3,212 |
| Net loans and leases to deposits | 61.1846% | 3,393 |
| Net loans and leases to core deposits | 63.1073% | 3,490 |
| Total domestic deposits to total assets | 88.7687% | 1,457 |
| Equity capital to assets | 9.1821% | 3,507 |
| Core capital (leverage) ratio | 8.6437% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3688% | 1,205 |
| Memoranda: | ||
| Average total assets | $1,519,625,000 | 672 |
| Average earning assets | $1,421,667,500 | 663 |
| Average equity | $141,020,500 | 757 |
| Average total loans | $845,279,500 | 774 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 4,448 |
| Cost of funding earning assets | 0.1744% | 4,667 |
| Net interest margin | 3.0284% | 3,825 |
| Noninterest income to average assets | 1.7247% | 422 |
| Noninterest expense to average assets | 3.1456% | 1,154 |
| Loan and lease loss provision to assets | 0.6213% | 313 |
| Net operating income to assets | 0.6056% | 3,739 |
| Return on assets (ROA) | 0.6077% | 3,850 |
| Pretax return on assets | 0.7749% | 3,692 |
| Return on Equity (ROE) | 5.9577% | 3,599 |
| Retained earnings to average equity (ytd only) | 3.1215% | 3,276 |
| Net charge-offs to loans | -0.0010% | 3,939 |
| Credit loss provision to net charge-offs | -106,250.0000% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4772% | 2,168 |
| Assets per employee ($millions) | 5.9361% | 2,398 |
| Cash dividends to net income (ytd only)* | 47.6064% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4923% | 267 |
| Loan loss allowance to noncurrent loans | 983.1120% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 3,528 |
| Noncurrent loans to loans | 0.2535% | 3,286 |
| Net loans and leases to total assets | 54.2007% | 3,470 |
| Net loans and leases to deposits | 61.2102% | 3,661 |
| Net loans and leases to core deposits | 63.1745% | 3,759 |
| Total domestic deposits to total assets | 88.5485% | 1,194 |
| Equity capital to assets | 9.3809% | 3,714 |
| Core capital (leverage) ratio | 8.7199% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9063% | 1,286 |
| Memoranda: | ||
| Average total assets | $1,368,096,800 | 671 |
| Average earning assets | $1,271,517,000 | 665 |
| Average equity | $139,549,600 | 720 |
| Average total loans | $829,594,600 | 760 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 4,579 |
| Cost of funding earning assets | 0.1982% | 4,685 |
| Net interest margin | 3.0102% | 3,950 |
| Noninterest income to average assets | 1.8255% | 361 |
| Noninterest expense to average assets | 3.0857% | 1,257 |
| Loan and lease loss provision to assets | 0.5987% | 422 |
| Net operating income to assets | 0.7255% | 3,372 |
| Return on assets (ROA) | 0.7281% | 3,459 |
| Pretax return on assets | 0.9408% | 3,262 |
| Return on Equity (ROE) | 6.9815% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.0881% | 2,519 |
| Net charge-offs to loans | -0.0037% | 3,984 |
| Credit loss provision to net charge-offs | -26,086.9565% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9391% | 2,476 |
| Assets per employee ($millions) | 6.2128% | 2,074 |
| Cash dividends to net income (ytd only)* | 27.1207% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0641% | 445 |
| Loan loss allowance to noncurrent loans | 1,397.6245% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 3,935 |
| Noncurrent loans to loans | 0.1477% | 3,792 |
| Net loans and leases to total assets | 59.2727% | 3,295 |
| Net loans and leases to deposits | 67.1366% | 3,538 |
| Net loans and leases to core deposits | 69.2964% | 3,676 |
| Total domestic deposits to total assets | 88.2868% | 1,068 |
| Equity capital to assets | 9.7982% | 3,430 |
| Core capital (leverage) ratio | 8.8448% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7583% | 1,312 |
| Memoranda: | ||
| Average total assets | $1,336,148,250 | 669 |
| Average earning assets | $1,241,222,500 | 662 |
| Average equity | $139,355,000 | 713 |
| Average total loans | $829,116,250 | 756 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 4,622 |
| Cost of funding earning assets | 0.2285% | 4,690 |
| Net interest margin | 3.0969% | 3,907 |
| Noninterest income to average assets | 1.8073% | 337 |
| Noninterest expense to average assets | 3.2198% | 1,126 |
| Loan and lease loss provision to assets | 0.5406% | 625 |
| Net operating income to assets | 0.7148% | 3,340 |
| Return on assets (ROA) | 0.7190% | 3,431 |
| Pretax return on assets | 0.9291% | 3,234 |
| Return on Equity (ROE) | 6.7404% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.8748% | 2,970 |
| Net charge-offs to loans | -0.0025% | 3,854 |
| Credit loss provision to net charge-offs | -35,000.0000% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8966% | 2,245 |
| Assets per employee ($millions) | 5.7945% | 2,379 |
| Cash dividends to net income (ytd only)* | 42.5134% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 663 |
| Loan loss allowance to noncurrent loans | 1,152.9326% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,975 |
| Noncurrent loans to loans | 0.1555% | 3,834 |
| Net loans and leases to total assets | 61.4398% | 3,173 |
| Net loans and leases to deposits | 69.9470% | 3,427 |
| Net loans and leases to core deposits | 72.3531% | 3,571 |
| Total domestic deposits to total assets | 87.8377% | 1,267 |
| Equity capital to assets | 10.0149% | 3,190 |
| Core capital (leverage) ratio | 9.1908% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4245% | 1,381 |
| Memoranda: | ||
| Average total assets | $1,294,862,333 | 672 |
| Average earning assets | $1,202,869,000 | 664 |
| Average equity | $138,122,000 | 710 |
| Average total loans | $810,947,000 | 762 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 4,606 |
| Cost of funding earning assets | 0.2940% | 4,675 |
| Net interest margin | 3.2359% | 3,763 |
| Noninterest income to average assets | 1.9569% | 279 |
| Noninterest expense to average assets | 3.5399% | 879 |
| Loan and lease loss provision to assets | 0.0806% | 2,702 |
| Net operating income to assets | 1.0229% | 2,105 |
| Return on assets (ROA) | 1.0242% | 2,198 |
| Pretax return on assets | 1.3429% | 1,740 |
| Return on Equity (ROE) | 9.2812% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.2812% | 902 |
| Net charge-offs to loans | -0.0170% | 4,274 |
| Credit loss provision to net charge-offs | -757.5758% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5183% | 2,276 |
| Assets per employee ($millions) | 5.3658% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 1,070 |
| Loan loss allowance to noncurrent loans | 1,190.3810% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,123 |
| Noncurrent loans to loans | 0.1344% | 3,981 |
| Net loans and leases to total assets | 61.7478% | 3,328 |
| Net loans and leases to deposits | 71.3497% | 3,494 |
| Net loans and leases to core deposits | 73.9852% | 3,632 |
| Total domestic deposits to total assets | 86.5425% | 1,754 |
| Equity capital to assets | 11.2668% | 2,622 |
| Core capital (leverage) ratio | 10.2827% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9871% | 1,604 |
| Memoranda: | ||
| Average total assets | $1,241,158,500 | 669 |
| Average earning assets | $1,152,569,500 | 661 |
| Average equity | $136,965,000 | 708 |
| Average total loans | $777,781,500 | 766 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,619 |
| Cost of funding earning assets | 0.2847% | 4,762 |
| Net interest margin | 3.4775% | 3,513 |
| Noninterest income to average assets | 1.8470% | 296 |
| Noninterest expense to average assets | 3.5965% | 854 |
| Loan and lease loss provision to assets | 0.0630% | 2,776 |
| Net operating income to assets | 1.0865% | 2,498 |
| Return on assets (ROA) | 1.0724% | 2,656 |
| Pretax return on assets | 1.3882% | 2,203 |
| Return on Equity (ROE) | 9.9235% | 2,329 |
| Retained earnings to average equity (ytd only) | 6.8464% | 1,455 |
| Net charge-offs to loans | -0.0076% | 4,405 |
| Credit loss provision to net charge-offs | -1,293.1034% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1533% | 2,141 |
| Assets per employee ($millions) | 4.9106% | 2,698 |
| Cash dividends to net income (ytd only)* | 31.0085% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,027 |
| Loan loss allowance to noncurrent loans | 1,129.0203% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,113 |
| Noncurrent loans to loans | 0.1397% | 3,969 |
| Net loans and leases to total assets | 61.5920% | 3,443 |
| Net loans and leases to deposits | 70.7765% | 3,609 |
| Net loans and leases to core deposits | 73.4617% | 3,762 |
| Total domestic deposits to total assets | 87.0233% | 1,594 |
| Equity capital to assets | 10.8024% | 3,179 |
| Core capital (leverage) ratio | 9.9492% | 3,568 |
| Tier 1 risk-based capital ratio | 14.2798% | 3,130 |
| Total risk-based capital ratio | 15.5321% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,189,957,400 | 664 |
| Average earning assets | $1,101,348,800 | 662 |
| Average equity | $128,593,600 | 714 |
| Average total loans | $762,079,400 | 748 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 4,687 |
| Cost of funding earning assets | 0.2732% | 4,862 |
| Net interest margin | 3.5177% | 3,515 |
| Noninterest income to average assets | 1.9391% | 277 |
| Noninterest expense to average assets | 3.6169% | 830 |
| Loan and lease loss provision to assets | 0.0849% | 2,209 |
| Net operating income to assets | 1.1497% | 2,365 |
| Return on assets (ROA) | 1.1308% | 2,541 |
| Pretax return on assets | 1.4622% | 2,070 |
| Return on Equity (ROE) | 10.4634% | 2,229 |
| Retained earnings to average equity (ytd only) | 8.3910% | 1,246 |
| Net charge-offs to loans | -0.0223% | 4,609 |
| Credit loss provision to net charge-offs | -590.5512% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8846% | 2,274 |
| Assets per employee ($millions) | 5.1032% | 2,444 |
| Cash dividends to net income (ytd only)* | 19.8058% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 964 |
| Loan loss allowance to noncurrent loans | 1,024.6038% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,138 |
| Noncurrent loans to loans | 0.1577% | 3,975 |
| Net loans and leases to total assets | 62.0998% | 3,487 |
| Net loans and leases to deposits | 71.9094% | 3,618 |
| Net loans and leases to core deposits | 74.8940% | 3,770 |
| Total domestic deposits to total assets | 86.3584% | 1,842 |
| Equity capital to assets | 11.0452% | 3,066 |
| Core capital (leverage) ratio | 9.9340% | 3,700 |
| Tier 1 risk-based capital ratio | 14.2605% | 3,193 |
| Total risk-based capital ratio | 15.5132% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,178,081,500 | 671 |
| Average earning assets | $1,087,981,500 | 668 |
| Average equity | $127,323,250 | 713 |
| Average total loans | $759,001,000 | 751 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,747 |
| Cost of funding earning assets | 0.2556% | 4,941 |
| Net interest margin | 3.5149% | 3,550 |
| Noninterest income to average assets | 1.9401% | 280 |
| Noninterest expense to average assets | 3.6281% | 824 |
| Loan and lease loss provision to assets | 0.0855% | 2,136 |
| Net operating income to assets | 1.1385% | 2,378 |
| Return on assets (ROA) | 1.1097% | 2,557 |
| Pretax return on assets | 1.4355% | 2,087 |
| Return on Equity (ROE) | 10.3458% | 2,234 |
| Retained earnings to average equity (ytd only) | 7.1900% | 1,729 |
| Net charge-offs to loans | -0.0066% | 4,200 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1240% | 2,365 |
| Assets per employee ($millions) | 4.6915% | 2,889 |
| Cash dividends to net income (ytd only)* | 30.5025% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,080 |
| Loan loss allowance to noncurrent loans | 776.8880% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,064 |
| Noncurrent loans to loans | 0.2030% | 3,824 |
| Net loans and leases to total assets | 62.5071% | 3,493 |
| Net loans and leases to deposits | 71.9952% | 3,688 |
| Net loans and leases to core deposits | 74.8963% | 3,823 |
| Total domestic deposits to total assets | 86.8213% | 1,675 |
| Equity capital to assets | 10.8159% | 3,252 |
| Core capital (leverage) ratio | 9.7946% | 3,835 |
| Tier 1 risk-based capital ratio | 13.9648% | 3,337 |
| Total risk-based capital ratio | 15.2172% | 3,246 |
| Memoranda: | ||
| Average total assets | $1,169,325,330 | 676 |
| Average earning assets | $1,079,681,670 | 673 |
| Average equity | $125,423,330 | 720 |
| Average total loans | $758,606,670 | 755 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 4,854 |
| Cost of funding earning assets | 0.2439% | 4,997 |
| Net interest margin | 3.4513% | 3,742 |
| Noninterest income to average assets | 1.9476% | 255 |
| Noninterest expense to average assets | 3.8101% | 650 |
| Loan and lease loss provision to assets | 0.0863% | 1,980 |
| Net operating income to assets | 0.9687% | 2,979 |
| Return on assets (ROA) | 0.9111% | 3,236 |
| Pretax return on assets | 1.1691% | 2,915 |
| Return on Equity (ROE) | 8.5309% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.5309% | 1,480 |
| Net charge-offs to loans | -0.0311% | 4,660 |
| Credit loss provision to net charge-offs | -423.7288% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2961% | 1,844 |
| Assets per employee ($millions) | 4.9492% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,195 |
| Loan loss allowance to noncurrent loans | 738.7768% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,067 |
| Noncurrent loans to loans | 0.2091% | 3,839 |
| Net loans and leases to total assets | 63.9437% | 3,290 |
| Net loans and leases to deposits | 73.3753% | 3,502 |
| Net loans and leases to core deposits | 76.5094% | 3,626 |
| Total domestic deposits to total assets | 87.1461% | 1,740 |
| Equity capital to assets | 10.7522% | 3,101 |
| Core capital (leverage) ratio | 10.1088% | 3,484 |
| Tier 1 risk-based capital ratio | 13.7753% | 3,460 |
| Total risk-based capital ratio | 15.0273% | 3,364 |
| Memoranda: | ||
| Average total assets | $1,158,172,000 | 688 |
| Average earning assets | $1,070,769,500 | 683 |
| Average equity | $123,692,000 | 729 |
| Average total loans | $759,516,000 | 757 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 4,932 |
| Cost of funding earning assets | 0.1573% | 5,154 |
| Net interest margin | 3.3302% | 4,181 |
| Noninterest income to average assets | 1.8418% | 302 |
| Noninterest expense to average assets | 3.4699% | 1,034 |
| Loan and lease loss provision to assets | 0.0847% | 2,439 |
| Net operating income to assets | 1.0584% | 2,764 |
| Return on assets (ROA) | 1.0420% | 2,824 |
| Pretax return on assets | 1.3504% | 2,316 |
| Return on Equity (ROE) | 10.4995% | 2,285 |
| Retained earnings to average equity (ytd only) | 7.1388% | 1,607 |
| Net charge-offs to loans | 0.0767% | 2,028 |
| Credit loss provision to net charge-offs | 174.8252% | 1,608 |
| Earnings coverage of net charge-offs (x) | 30.0507% | 1,598 |
| Efficiency ratio | 69.5674% | 2,271 |
| Assets per employee ($millions) | 4.5933% | 3,029 |
| Cash dividends to net income (ytd only)* | 32.0085% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,289 |
| Loan loss allowance to noncurrent loans | 880.9266% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,198 |
| Noncurrent loans to loans | 0.1703% | 3,987 |
| Net loans and leases to total assets | 65.2283% | 3,232 |
| Net loans and leases to deposits | 74.8316% | 3,436 |
| Net loans and leases to core deposits | 78.1470% | 3,569 |
| Total domestic deposits to total assets | 87.1668% | 1,698 |
| Equity capital to assets | 10.6064% | 3,073 |
| Core capital (leverage) ratio | 9.6007% | 4,005 |
| Tier 1 risk-based capital ratio | 13.1227% | 3,777 |
| Total risk-based capital ratio | 14.3740% | 3,662 |
| Memoranda: | ||
| Average total assets | $1,180,697,000 | 648 |
| Average earning assets | $1,093,376,200 | 648 |
| Average equity | $117,176,800 | 736 |
| Average total loans | $745,964,800 | 741 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 5,058 |
| Cost of funding earning assets | 0.1443% | 5,235 |
| Net interest margin | 3.2347% | 4,440 |
| Noninterest income to average assets | 1.9107% | 295 |
| Noninterest expense to average assets | 3.4175% | 1,093 |
| Loan and lease loss provision to assets | 0.0841% | 2,283 |
| Net operating income to assets | 1.0819% | 2,742 |
| Return on assets (ROA) | 1.0803% | 2,760 |
| Pretax return on assets | 1.4041% | 2,211 |
| Return on Equity (ROE) | 11.0689% | 2,149 |
| Retained earnings to average equity (ytd only) | 8.8177% | 1,293 |
| Net charge-offs to loans | 0.0654% | 1,896 |
| Credit loss provision to net charge-offs | 206.0440% | 1,345 |
| Earnings coverage of net charge-offs (x) | 36.5028% | 1,423 |
| Efficiency ratio | 68.7623% | 2,394 |
| Assets per employee ($millions) | 5.0795% | 2,366 |
| Cash dividends to net income (ytd only)* | 20.3384% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,272 |
| Loan loss allowance to noncurrent loans | 800.4225% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,306 |
| Noncurrent loans to loans | 0.1903% | 4,031 |
| Net loans and leases to total assets | 61.8244% | 3,675 |
| Net loans and leases to deposits | 70.4865% | 3,883 |
| Net loans and leases to core deposits | 72.5388% | 4,040 |
| Total domestic deposits to total assets | 87.7109% | 1,388 |
| Equity capital to assets | 10.0569% | 3,581 |
| Core capital (leverage) ratio | 9.3331% | 4,360 |
| Tier 1 risk-based capital ratio | 13.1023% | 3,846 |
| Total risk-based capital ratio | 14.3536% | 3,755 |
| Memoranda: | ||
| Average total assets | $1,188,788,250 | 643 |
| Average earning assets | $1,101,439,750 | 642 |
| Average equity | $116,021,750 | 735 |
| Average total loans | $742,344,750 | 743 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 5,140 |
| Cost of funding earning assets | 0.1293% | 5,322 |
| Net interest margin | 3.1705% | 4,574 |
| Noninterest income to average assets | 1.9035% | 293 |
| Noninterest expense to average assets | 3.4654% | 1,042 |
| Loan and lease loss provision to assets | 0.0841% | 2,232 |
| Net operating income to assets | 0.9966% | 3,035 |
| Return on assets (ROA) | 0.9942% | 3,045 |
| Pretax return on assets | 1.2876% | 2,564 |
| Return on Equity (ROE) | 10.2917% | 2,430 |
| Retained earnings to average equity (ytd only) | 6.8803% | 2,124 |
| Net charge-offs to loans | 0.0470% | 1,943 |
| Credit loss provision to net charge-offs | 287.3563% | 1,034 |
| Earnings coverage of net charge-offs (x) | 46.9655% | 1,170 |
| Efficiency ratio | 70.7101% | 2,211 |
| Assets per employee ($millions) | 4.7601% | 2,735 |
| Cash dividends to net income (ytd only)* | 33.1472% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,409 |
| Loan loss allowance to noncurrent loans | 540.1816% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,918 |
| Noncurrent loans to loans | 0.2771% | 3,715 |
| Net loans and leases to total assets | 65.1177% | 3,261 |
| Net loans and leases to deposits | 74.7173% | 3,464 |
| Net loans and leases to core deposits | 76.7554% | 3,681 |
| Total domestic deposits to total assets | 87.1522% | 1,774 |
| Equity capital to assets | 10.1743% | 3,459 |
| Core capital (leverage) ratio | 9.1642% | 4,503 |
| Tier 1 risk-based capital ratio | 12.4922% | 4,184 |
| Total risk-based capital ratio | 13.7432% | 4,084 |
| Memoranda: | ||
| Average total assets | $1,188,850,330 | 647 |
| Average earning assets | $1,101,161,330 | 640 |
| Average equity | $114,850,330 | 738 |
| Average total loans | $741,055,670 | 747 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 5,266 |
| Cost of funding earning assets | 0.1152% | 5,408 |
| Net interest margin | 3.0457% | 4,804 |
| Noninterest income to average assets | 1.7313% | 333 |
| Noninterest expense to average assets | 3.4833% | 1,032 |
| Loan and lease loss provision to assets | 0.0825% | 2,142 |
| Net operating income to assets | 0.7735% | 3,818 |
| Return on assets (ROA) | 0.7732% | 3,818 |
| Pretax return on assets | 0.9917% | 3,564 |
| Return on Equity (ROE) | 8.2096% | 3,290 |
| Retained earnings to average equity (ytd only) | 8.2096% | 1,764 |
| Net charge-offs to loans | 0.1068% | 1,137 |
| Credit loss provision to net charge-offs | 127.5510% | 1,351 |
| Earnings coverage of net charge-offs (x) | 16.6122% | 1,614 |
| Efficiency ratio | 75.5050% | 1,666 |
| Assets per employee ($millions) | 5.0536% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,424 |
| Loan loss allowance to noncurrent loans | 370.3927% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 3,707 |
| Noncurrent loans to loans | 0.4081% | 3,320 |
| Net loans and leases to total assets | 59.2810% | 3,823 |
| Net loans and leases to deposits | 67.1759% | 4,011 |
| Net loans and leases to core deposits | 68.9523% | 4,155 |
| Total domestic deposits to total assets | 88.2475% | 1,480 |
| Equity capital to assets | 9.4705% | 4,118 |
| Core capital (leverage) ratio | 8.6595% | 5,013 |
| Tier 1 risk-based capital ratio | 12.6525% | 4,138 |
| Total risk-based capital ratio | 13.9038% | 4,044 |
| Memoranda: | ||
| Average total assets | $1,212,065,500 | 644 |
| Average earning assets | $1,124,860,000 | 635 |
| Average equity | $114,159,000 | 746 |
| Average total loans | $733,971,500 | 752 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1616% | 5,234 |
| Cost of funding earning assets | 0.1247% | 5,390 |
| Net interest margin | 3.0370% | 4,812 |
| Noninterest income to average assets | 1.7795% | 353 |
| Noninterest expense to average assets | 3.4440% | 1,133 |
| Loan and lease loss provision to assets | 0.0860% | 2,476 |
| Net operating income to assets | 0.6773% | 3,692 |
| Return on assets (ROA) | 0.6564% | 3,833 |
| Pretax return on assets | 1.0218% | 3,487 |
| Return on Equity (ROE) | 6.7461% | 3,411 |
| Retained earnings to average equity (ytd only) | 3.2922% | 3,329 |
| Net charge-offs to loans | 0.0208% | 3,411 |
| Credit loss provision to net charge-offs | 649.3506% | 499 |
| Earnings coverage of net charge-offs (x) | 86.1234% | 724 |
| Efficiency ratio | 74.2517% | 1,862 |
| Assets per employee ($millions) | 4.9846% | 2,498 |
| Cash dividends to net income (ytd only)* | 51.1984% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,446 |
| Loan loss allowance to noncurrent loans | 335.7798% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 3,767 |
| Noncurrent loans to loans | 0.4431% | 3,194 |
| Net loans and leases to total assets | 60.0141% | 3,832 |
| Net loans and leases to deposits | 68.3285% | 4,003 |
| Net loans and leases to core deposits | 70.0025% | 4,173 |
| Total domestic deposits to total assets | 87.8318% | 1,591 |
| Equity capital to assets | 9.3665% | 4,364 |
| Core capital (leverage) ratio | 8.9594% | 4,698 |
| Tier 1 risk-based capital ratio | 12.8362% | 4,011 |
| Total risk-based capital ratio | 14.0874% | 3,905 |
| Memoranda: | ||
| Average total assets | $1,163,102,200 | 642 |
| Average earning assets | $1,074,187,000 | 634 |
| Average equity | $113,176,800 | 727 |
| Average total loans | $741,601,000 | 707 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1453% | 5,294 |
| Cost of funding earning assets | 0.1248% | 5,454 |
| Net interest margin | 3.0205% | 4,875 |
| Noninterest income to average assets | 1.7691% | 374 |
| Noninterest expense to average assets | 3.3325% | 1,275 |
| Loan and lease loss provision to assets | 0.0869% | 2,349 |
| Net operating income to assets | 0.7598% | 3,696 |
| Return on assets (ROA) | 0.7588% | 3,757 |
| Pretax return on assets | 1.1371% | 3,163 |
| Return on Equity (ROE) | 7.7222% | 3,277 |
| Retained earnings to average equity (ytd only) | 5.4236% | 2,587 |
| Net charge-offs to loans | 0.0004% | 3,789 |
| Credit loss provision to net charge-offs | 37,500.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 5,283.2622% | 8 |
| Efficiency ratio | 72.2262% | 2,171 |
| Assets per employee ($millions) | 5.0298% | 2,415 |
| Cash dividends to net income (ytd only)* | 29.7665% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,740 |
| Loan loss allowance to noncurrent loans | 315.6032% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,846 |
| Noncurrent loans to loans | 0.4562% | 3,339 |
| Net loans and leases to total assets | 63.5608% | 3,480 |
| Net loans and leases to deposits | 72.4152% | 3,727 |
| Net loans and leases to core deposits | 74.3529% | 3,944 |
| Total domestic deposits to total assets | 87.7728% | 1,483 |
| Equity capital to assets | 9.8724% | 4,057 |
| Core capital (leverage) ratio | 9.1062% | 4,629 |
| Tier 1 risk-based capital ratio | 12.7555% | 4,168 |
| Total risk-based capital ratio | 14.0062% | 4,063 |
| Memoranda: | ||
| Average total assets | $1,151,062,250 | 649 |
| Average earning assets | $1,062,816,250 | 641 |
| Average equity | $113,107,750 | 727 |
| Average total loans | $742,524,250 | 705 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 5,340 |
| Cost of funding earning assets | 0.1231% | 5,490 |
| Net interest margin | 2.9840% | 4,947 |
| Noninterest income to average assets | 1.8152% | 371 |
| Noninterest expense to average assets | 3.3990% | 1,169 |
| Loan and lease loss provision to assets | 0.0874% | 2,231 |
| Net operating income to assets | 0.7267% | 3,727 |
| Return on assets (ROA) | 0.7267% | 3,793 |
| Pretax return on assets | 1.0838% | 3,245 |
| Return on Equity (ROE) | 7.4071% | 3,337 |
| Retained earnings to average equity (ytd only) | 3.9325% | 3,355 |
| Net charge-offs to loans | -0.0024% | 4,196 |
| Credit loss provision to net charge-offs | -5,555.5556% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4815% | 2,099 |
| Assets per employee ($millions) | 4.5675% | 2,994 |
| Cash dividends to net income (ytd only)* | 46.9088% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,768 |
| Loan loss allowance to noncurrent loans | 276.2263% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 3,705 |
| Noncurrent loans to loans | 0.5234% | 3,184 |
| Net loans and leases to total assets | 64.3072% | 3,346 |
| Net loans and leases to deposits | 74.0212% | 3,544 |
| Net loans and leases to core deposits | 76.1237% | 3,761 |
| Total domestic deposits to total assets | 86.8767% | 1,998 |
| Equity capital to assets | 10.0346% | 3,874 |
| Core capital (leverage) ratio | 9.2380% | 4,448 |
| Tier 1 risk-based capital ratio | 12.7385% | 4,159 |
| Total risk-based capital ratio | 13.9893% | 4,065 |
| Memoranda: | ||
| Average total assets | $1,144,102,330 | 656 |
| Average earning assets | $1,056,312,670 | 645 |
| Average equity | $112,244,000 | 734 |
| Average total loans | $738,106,330 | 713 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 5,429 |
| Cost of funding earning assets | 0.1211% | 5,552 |
| Net interest margin | 2.9127% | 5,063 |
| Noninterest income to average assets | 1.9075% | 330 |
| Noninterest expense to average assets | 3.6623% | 817 |
| Loan and lease loss provision to assets | 0.0868% | 2,087 |
| Net operating income to assets | 0.5847% | 4,220 |
| Return on assets (ROA) | 0.5847% | 4,268 |
| Pretax return on assets | 0.8555% | 3,915 |
| Return on Equity (ROE) | 6.0271% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.0271% | 2,317 |
| Net charge-offs to loans | -0.0157% | 4,614 |
| Credit loss provision to net charge-offs | -862.0690% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6608% | 1,539 |
| Assets per employee ($millions) | 4.9097% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,079 |
| Loan loss allowance to noncurrent loans | 272.7344% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 3,841 |
| Noncurrent loans to loans | 0.5129% | 3,280 |
| Net loans and leases to total assets | 62.8186% | 3,424 |
| Net loans and leases to deposits | 72.2309% | 3,588 |
| Net loans and leases to core deposits | 73.9601% | 3,835 |
| Total domestic deposits to total assets | 86.9692% | 2,230 |
| Equity capital to assets | 9.6457% | 4,132 |
| Core capital (leverage) ratio | 9.1041% | 4,613 |
| Tier 1 risk-based capital ratio | 12.6342% | 4,309 |
| Total risk-based capital ratio | 13.8846% | 4,213 |
| Memoranda: | ||
| Average total assets | $1,152,065,500 | 650 |
| Average earning assets | $1,066,792,000 | 645 |
| Average equity | $111,762,000 | 738 |
| Average total loans | $739,089,000 | 712 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9868% | 5,510 |
| Cost of funding earning assets | 0.1287% | 5,559 |
| Net interest margin | 2.8582% | 5,201 |
| Noninterest income to average assets | 1.7950% | 395 |
| Noninterest expense to average assets | 3.4916% | 1,177 |
| Loan and lease loss provision to assets | 0.0891% | 2,584 |
| Net operating income to assets | 0.5950% | 4,222 |
| Return on assets (ROA) | 0.5951% | 4,335 |
| Pretax return on assets | 0.8545% | 3,993 |
| Return on Equity (ROE) | 5.9764% | 3,992 |
| Retained earnings to average equity (ytd only) | 2.4881% | 4,097 |
| Net charge-offs to loans | 0.0327% | 3,367 |
| Credit loss provision to net charge-offs | 442.4779% | 725 |
| Earnings coverage of net charge-offs (x) | 46.8628% | 1,050 |
| Efficiency ratio | 77.7914% | 1,722 |
| Assets per employee ($millions) | 4.8120% | 2,632 |
| Cash dividends to net income (ytd only)* | 58.3683% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 2,161 |
| Loan loss allowance to noncurrent loans | 269.3064% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 3,909 |
| Noncurrent loans to loans | 0.5129% | 3,309 |
| Net loans and leases to total assets | 63.7175% | 3,396 |
| Net loans and leases to deposits | 72.8387% | 3,631 |
| Net loans and leases to core deposits | 74.8507% | 3,849 |
| Total domestic deposits to total assets | 87.4775% | 1,893 |
| Equity capital to assets | 9.7579% | 3,999 |
| Core capital (leverage) ratio | 9.0811% | 4,644 |
| Tier 1 risk-based capital ratio | 12.5854% | 4,336 |
| Total risk-based capital ratio | 13.8355% | 4,228 |
| Memoranda: | ||
| Average total assets | $1,122,575,600 | 640 |
| Average earning assets | $1,036,918,600 | 636 |
| Average equity | $111,772,200 | 715 |
| Average total loans | $691,563,600 | 727 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9646% | 5,597 |
| Cost of funding earning assets | 0.1291% | 5,620 |
| Net interest margin | 2.8355% | 5,293 |
| Noninterest income to average assets | 1.8585% | 385 |
| Noninterest expense to average assets | 3.4303% | 1,284 |
| Loan and lease loss provision to assets | 0.0893% | 2,438 |
| Net operating income to assets | 0.6571% | 4,046 |
| Return on assets (ROA) | 0.6571% | 4,165 |
| Pretax return on assets | 0.9569% | 3,787 |
| Return on Equity (ROE) | 6.5658% | 3,795 |
| Retained earnings to average equity (ytd only) | 4.2459% | 3,304 |
| Net charge-offs to loans | 0.0182% | 3,354 |
| Credit loss provision to net charge-offs | 806.4516% | 499 |
| Earnings coverage of net charge-offs (x) | 94.4493% | 693 |
| Efficiency ratio | 75.6985% | 2,023 |
| Assets per employee ($millions) | 4.6064% | 2,916 |
| Cash dividends to net income (ytd only)* | 35.3336% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,218 |
| Loan loss allowance to noncurrent loans | 258.1701% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,019 |
| Noncurrent loans to loans | 0.5411% | 3,372 |
| Net loans and leases to total assets | 61.1479% | 3,724 |
| Net loans and leases to deposits | 69.7799% | 4,006 |
| Net loans and leases to core deposits | 71.5271% | 4,198 |
| Total domestic deposits to total assets | 87.6297% | 1,597 |
| Equity capital to assets | 9.8620% | 4,291 |
| Core capital (leverage) ratio | 9.2192% | 4,561 |
| Tier 1 risk-based capital ratio | 12.8850% | 4,229 |
| Total risk-based capital ratio | 14.1352% | 4,144 |
| Memoranda: | ||
| Average total assets | $1,119,313,500 | 643 |
| Average earning assets | $1,033,553,000 | 635 |
| Average equity | $112,012,000 | 717 |
| Average total loans | $681,023,250 | 733 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9615% | 5,677 |
| Cost of funding earning assets | 0.1300% | 5,690 |
| Net interest margin | 2.8315% | 5,379 |
| Noninterest income to average assets | 1.9413% | 347 |
| Noninterest expense to average assets | 3.4894% | 1,179 |
| Loan and lease loss provision to assets | 0.0903% | 2,343 |
| Net operating income to assets | 0.6787% | 3,906 |
| Return on assets (ROA) | 0.6786% | 4,045 |
| Pretax return on assets | 0.9776% | 3,669 |
| Return on Equity (ROE) | 6.7469% | 3,669 |
| Retained earnings to average equity (ytd only) | 3.2459% | 3,824 |
| Net charge-offs to loans | -0.0078% | 4,629 |
| Credit loss provision to net charge-offs | -1,923.0769% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6402% | 2,121 |
| Assets per employee ($millions) | 4.3739% | 3,266 |
| Cash dividends to net income (ytd only)* | 51.8903% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 2,272 |
| Loan loss allowance to noncurrent loans | 241.1808% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 3,926 |
| Noncurrent loans to loans | 0.5829% | 3,315 |
| Net loans and leases to total assets | 64.1771% | 3,337 |
| Net loans and leases to deposits | 73.8344% | 3,610 |
| Net loans and leases to core deposits | 75.9949% | 3,824 |
| Total domestic deposits to total assets | 86.9202% | 1,951 |
| Equity capital to assets | 10.4643% | 3,676 |
| Core capital (leverage) ratio | 9.2255% | 4,554 |
| Tier 1 risk-based capital ratio | 12.8447% | 4,286 |
| Total risk-based capital ratio | 14.0949% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,107,013,670 | 651 |
| Average earning assets | $1,022,855,330 | 642 |
| Average equity | $111,340,670 | 725 |
| Average total loans | $669,025,330 | 741 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9046% | 5,780 |
| Cost of funding earning assets | 0.1306% | 5,752 |
| Net interest margin | 2.7740% | 5,513 |
| Noninterest income to average assets | 2.0165% | 333 |
| Noninterest expense to average assets | 3.5468% | 1,103 |
| Loan and lease loss provision to assets | 0.0893% | 2,190 |
| Net operating income to assets | 0.6694% | 3,879 |
| Return on assets (ROA) | 0.6694% | 3,996 |
| Pretax return on assets | 0.9511% | 3,657 |
| Return on Equity (ROE) | 6.7882% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.7882% | 1,984 |
| Net charge-offs to loans | 0.0006% | 3,086 |
| Credit loss provision to net charge-offs | 25,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 2,914.0000% | 9 |
| Efficiency ratio | 76.4166% | 2,120 |
| Assets per employee ($millions) | 4.6868% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 2,212 |
| Loan loss allowance to noncurrent loans | 234.7093% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 4,061 |
| Noncurrent loans to loans | 0.6167% | 3,323 |
| Net loans and leases to total assets | 57.9196% | 4,049 |
| Net loans and leases to deposits | 66.1537% | 4,239 |
| Net loans and leases to core deposits | 67.9021% | 4,409 |
| Total domestic deposits to total assets | 87.5530% | 1,892 |
| Equity capital to assets | 9.9568% | 4,136 |
| Core capital (leverage) ratio | 9.0313% | 4,812 |
| Tier 1 risk-based capital ratio | 13.4145% | 4,037 |
| Total risk-based capital ratio | 14.6648% | 3,955 |
| Memoranda: | ||
| Average total assets | $1,120,347,000 | 647 |
| Average earning assets | $1,038,226,500 | 637 |
| Average equity | $110,485,500 | 729 |
| Average total loans | $651,927,500 | 758 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8763% | 5,834 |
| Cost of funding earning assets | 0.1315% | 5,806 |
| Net interest margin | 2.7448% | 5,600 |
| Noninterest income to average assets | 1.8771% | 390 |
| Noninterest expense to average assets | 3.6163% | 1,102 |
| Loan and lease loss provision to assets | 0.0235% | 3,912 |
| Net operating income to assets | 0.5514% | 4,490 |
| Return on assets (ROA) | 0.5520% | 4,586 |
| Pretax return on assets | 0.7681% | 4,310 |
| Return on Equity (ROE) | 5.3877% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.8051% | 4,701 |
| Net charge-offs to loans | 0.0364% | 3,490 |
| Credit loss provision to net charge-offs | 109.6491% | 2,299 |
| Earnings coverage of net charge-offs (x) | 36.8333% | 1,254 |
| Efficiency ratio | 81.0602% | 1,527 |
| Assets per employee ($millions) | 4.6299% | 2,847 |
| Cash dividends to net income (ytd only)* | 66.4961% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,170 |
| Loan loss allowance to noncurrent loans | 199.3610% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,848 |
| Noncurrent loans to loans | 0.7336% | 2,979 |
| Net loans and leases to total assets | 56.7573% | 4,227 |
| Net loans and leases to deposits | 64.5881% | 4,424 |
| Net loans and leases to core deposits | 66.3276% | 4,565 |
| Total domestic deposits to total assets | 87.8758% | 1,698 |
| Equity capital to assets | 9.7651% | 4,224 |
| Core capital (leverage) ratio | 9.1224% | 4,724 |
| Tier 1 risk-based capital ratio | 13.8727% | 3,786 |
| Total risk-based capital ratio | 15.1234% | 3,718 |
| Memoranda: | ||
| Average total assets | $1,061,937,200 | 657 |
| Average earning assets | $978,841,800 | 648 |
| Average equity | $108,804,200 | 707 |
| Average total loans | $626,021,200 | 749 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9254% | 5,871 |
| Cost of funding earning assets | 0.1323% | 5,899 |
| Net interest margin | 2.7931% | 5,592 |
| Noninterest income to average assets | 1.9382% | 377 |
| Noninterest expense to average assets | 3.6129% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6450% | 4,154 |
| Return on assets (ROA) | 0.6458% | 4,264 |
| Pretax return on assets | 0.8977% | 3,988 |
| Return on Equity (ROE) | 6.2257% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.8390% | 3,741 |
| Net charge-offs to loans | 0.0186% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 81.1244% | 736 |
| Efficiency ratio | 79.1352% | 1,783 |
| Assets per employee ($millions) | 4.3660% | 3,223 |
| Cash dividends to net income (ytd only)* | 38.3359% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 2,168 |
| Loan loss allowance to noncurrent loans | 191.1759% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,932 |
| Noncurrent loans to loans | 0.7836% | 3,003 |
| Net loans and leases to total assets | 56.1763% | 4,333 |
| Net loans and leases to deposits | 64.2560% | 4,535 |
| Net loans and leases to core deposits | 66.0317% | 4,686 |
| Total domestic deposits to total assets | 87.4258% | 1,832 |
| Equity capital to assets | 10.2229% | 3,903 |
| Core capital (leverage) ratio | 9.5759% | 4,203 |
| Tier 1 risk-based capital ratio | 14.5750% | 3,512 |
| Total risk-based capital ratio | 15.8261% | 3,437 |
| Memoranda: | ||
| Average total assets | $1,049,628,250 | 669 |
| Average earning assets | $966,276,750 | 666 |
| Average equity | $108,878,500 | 708 |
| Average total loans | $622,518,500 | 756 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9428% | 5,905 |
| Cost of funding earning assets | 0.1334% | 5,959 |
| Net interest margin | 2.8094% | 5,595 |
| Noninterest income to average assets | 2.0258% | 365 |
| Noninterest expense to average assets | 3.6540% | 1,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6726% | 4,020 |
| Return on assets (ROA) | 0.6738% | 4,123 |
| Pretax return on assets | 0.9569% | 3,747 |
| Return on Equity (ROE) | 6.4632% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.8631% | 4,215 |
| Net charge-offs to loans | -0.0051% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3037% | 2,022 |
| Assets per employee ($millions) | 4.3274% | 3,253 |
| Cash dividends to net income (ytd only)* | 55.7016% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 2,307 |
| Loan loss allowance to noncurrent loans | 201.3778% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 4,034 |
| Noncurrent loans to loans | 0.7439% | 3,252 |
| Net loans and leases to total assets | 59.9694% | 3,837 |
| Net loans and leases to deposits | 68.8484% | 4,049 |
| Net loans and leases to core deposits | 70.6551% | 4,263 |
| Total domestic deposits to total assets | 87.1035% | 2,108 |
| Equity capital to assets | 10.5732% | 3,368 |
| Core capital (leverage) ratio | 9.7146% | 3,981 |
| Tier 1 risk-based capital ratio | 14.9910% | 3,361 |
| Total risk-based capital ratio | 16.2430% | 3,296 |
| Memoranda: | ||
| Average total assets | $1,038,581,330 | 677 |
| Average earning assets | $955,002,000 | 673 |
| Average equity | $108,274,670 | 714 |
| Average total loans | $624,187,670 | 755 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9198% | 5,979 |
| Cost of funding earning assets | 0.1335% | 6,038 |
| Net interest margin | 2.7862% | 5,671 |
| Noninterest income to average assets | 2.0270% | 364 |
| Noninterest expense to average assets | 3.7138% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6067% | 4,259 |
| Return on assets (ROA) | 0.6067% | 4,354 |
| Pretax return on assets | 0.8765% | 3,977 |
| Return on Equity (ROE) | 5.8599% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.8599% | 2,573 |
| Net charge-offs to loans | -0.0212% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9383% | 1,906 |
| Assets per employee ($millions) | 4.2946% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,444 |
| Loan loss allowance to noncurrent loans | 211.8698% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 3,348 |
| Noncurrent loans to loans | 0.7079% | 3,503 |
| Net loans and leases to total assets | 58.2542% | 3,906 |
| Net loans and leases to deposits | 66.5319% | 4,101 |
| Net loans and leases to core deposits | 68.0891% | 4,314 |
| Total domestic deposits to total assets | 87.5583% | 2,068 |
| Equity capital to assets | 10.3189% | 3,753 |
| Core capital (leverage) ratio | 9.6041% | 4,143 |
| Tier 1 risk-based capital ratio | 15.2152% | 3,311 |
| Total risk-based capital ratio | 16.4652% | 3,236 |
| Memoranda: | ||
| Average total assets | $1,045,074,500 | 677 |
| Average earning assets | $961,448,000 | 666 |
| Average equity | $108,193,000 | 712 |
| Average total loans | $624,083,000 | 748 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0745% | 5,989 |
| Cost of funding earning assets | 0.1441% | 6,133 |
| Net interest margin | 2.9304% | 5,584 |
| Noninterest income to average assets | 1.8713% | 379 |
| Noninterest expense to average assets | 3.8566% | 905 |
| Loan and lease loss provision to assets | 0.0744% | 2,996 |
| Net operating income to assets | 0.4613% | 4,959 |
| Return on assets (ROA) | 0.4720% | 5,014 |
| Pretax return on assets | 0.6193% | 4,878 |
| Return on Equity (ROE) | 4.3148% | 4,975 |
| Retained earnings to average equity (ytd only) | 0.7821% | 5,417 |
| Net charge-offs to loans | 0.0466% | 3,894 |
| Credit loss provision to net charge-offs | 267.8571% | 957 |
| Earnings coverage of net charge-offs (x) | 24.4786% | 1,535 |
| Efficiency ratio | 84.0007% | 1,409 |
| Assets per employee ($millions) | 4.2020% | 3,542 |
| Cash dividends to net income (ytd only)* | 81.8736% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 2,485 |
| Loan loss allowance to noncurrent loans | 214.7654% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 3,397 |
| Noncurrent loans to loans | 0.6975% | 3,596 |
| Net loans and leases to total assets | 59.4013% | 3,859 |
| Net loans and leases to deposits | 67.9006% | 4,137 |
| Net loans and leases to core deposits | 69.6336% | 4,356 |
| Total domestic deposits to total assets | 87.4828% | 2,046 |
| Equity capital to assets | 10.3872% | 3,622 |
| Core capital (leverage) ratio | 9.2355% | 4,623 |
| Tier 1 risk-based capital ratio | 14.5833% | 3,731 |
| Total risk-based capital ratio | 15.8358% | 3,660 |
| Memoranda: | ||
| Average total assets | $1,008,614,400 | 671 |
| Average earning assets | $917,219,400 | 667 |
| Average equity | $110,341,400 | 665 |
| Average total loans | $601,401,000 | 733 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0938% | 6,038 |
| Cost of funding earning assets | 0.1462% | 6,206 |
| Net interest margin | 2.9476% | 5,605 |
| Noninterest income to average assets | 1.9864% | 350 |
| Noninterest expense to average assets | 3.5615% | 1,362 |
| Loan and lease loss provision to assets | 0.0333% | 3,742 |
| Net operating income to assets | 0.7444% | 3,701 |
| Return on assets (ROA) | 0.7550% | 3,738 |
| Pretax return on assets | 1.0801% | 3,266 |
| Return on Equity (ROE) | 6.8127% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.4734% | 3,467 |
| Net charge-offs to loans | 0.0183% | 4,167 |
| Credit loss provision to net charge-offs | 304.8780% | 898 |
| Earnings coverage of net charge-offs (x) | 100.6834% | 585 |
| Efficiency ratio | 75.4360% | 2,588 |
| Assets per employee ($millions) | 4.1011% | 3,666 |
| Cash dividends to net income (ytd only)* | 34.3375% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 2,866 |
| Loan loss allowance to noncurrent loans | 146.6645% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 3,185 |
| Noncurrent loans to loans | 1.0004% | 3,068 |
| Net loans and leases to total assets | 60.1479% | 3,761 |
| Net loans and leases to deposits | 69.4537% | 3,976 |
| Net loans and leases to core deposits | 71.4406% | 4,210 |
| Total domestic deposits to total assets | 86.6015% | 2,529 |
| Equity capital to assets | 11.2059% | 2,753 |
| Core capital (leverage) ratio | 9.7181% | 4,051 |
| Tier 1 risk-based capital ratio | 15.0705% | 3,548 |
| Total risk-based capital ratio | 16.3219% | 3,484 |
| Memoranda: | ||
| Average total assets | $1,002,347,750 | 671 |
| Average earning assets | $909,112,750 | 671 |
| Average equity | $111,084,250 | 660 |
| Average total loans | $595,911,750 | 739 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0766% | 6,094 |
| Cost of funding earning assets | 0.1461% | 6,288 |
| Net interest margin | 2.9305% | 5,676 |
| Noninterest income to average assets | 1.9848% | 350 |
| Noninterest expense to average assets | 3.5718% | 1,347 |
| Loan and lease loss provision to assets | 0.0500% | 3,303 |
| Net operating income to assets | 0.7171% | 3,747 |
| Return on assets (ROA) | 0.7289% | 3,779 |
| Pretax return on assets | 1.0354% | 3,342 |
| Return on Equity (ROE) | 6.6016% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.0717% | 4,247 |
| Net charge-offs to loans | 0.0166% | 3,892 |
| Credit loss provision to net charge-offs | 510.2041% | 575 |
| Earnings coverage of net charge-offs (x) | 109.0612% | 522 |
| Efficiency ratio | 75.9674% | 2,642 |
| Assets per employee ($millions) | 4.1874% | 3,480 |
| Cash dividends to net income (ytd only)* | 53.4705% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 2,955 |
| Loan loss allowance to noncurrent loans | 145.2667% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 3,207 |
| Noncurrent loans to loans | 1.0255% | 3,182 |
| Net loans and leases to total assets | 60.6830% | 3,606 |
| Net loans and leases to deposits | 70.2772% | 3,788 |
| Net loans and leases to core deposits | 72.1851% | 4,035 |
| Total domestic deposits to total assets | 86.3481% | 2,849 |
| Equity capital to assets | 11.2566% | 2,654 |
| Core capital (leverage) ratio | 9.6893% | 4,058 |
| Tier 1 risk-based capital ratio | 14.8271% | 3,737 |
| Total risk-based capital ratio | 16.0793% | 3,672 |
| Memoranda: | ||
| Average total assets | $1,000,176,670 | 670 |
| Average earning assets | $906,316,000 | 671 |
| Average equity | $110,428,330 | 657 |
| Average total loans | $589,267,330 | 738 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0276% | 6,215 |
| Cost of funding earning assets | 0.1463% | 6,370 |
| Net interest margin | 2.8813% | 5,790 |
| Noninterest income to average assets | 1.8975% | 367 |
| Noninterest expense to average assets | 3.7116% | 1,116 |
| Loan and lease loss provision to assets | 0.0994% | 2,270 |
| Net operating income to assets | 0.5260% | 4,570 |
| Return on assets (ROA) | 0.5260% | 4,638 |
| Pretax return on assets | 0.7013% | 4,482 |
| Return on Equity (ROE) | 4.8099% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.8099% | 3,222 |
| Net charge-offs to loans | 0.0400% | 2,827 |
| Credit loss provision to net charge-offs | 431.0345% | 612 |
| Earnings coverage of net charge-offs (x) | 34.7241% | 961 |
| Efficiency ratio | 81.2335% | 2,021 |
| Assets per employee ($millions) | 4.2886% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,010 |
| Loan loss allowance to noncurrent loans | 138.0256% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 3,335 |
| Noncurrent loans to loans | 1.1098% | 3,203 |
| Net loans and leases to total assets | 57.0612% | 3,992 |
| Net loans and leases to deposits | 65.4374% | 4,154 |
| Net loans and leases to core deposits | 67.2157% | 4,378 |
| Total domestic deposits to total assets | 87.1997% | 2,703 |
| Equity capital to assets | 10.8449% | 2,884 |
| Core capital (leverage) ratio | 9.5234% | 4,246 |
| Tier 1 risk-based capital ratio | 15.0826% | 3,669 |
| Total risk-based capital ratio | 16.3351% | 3,622 |
| Memoranda: | ||
| Average total assets | $1,006,148,500 | 670 |
| Average earning assets | $913,059,500 | 671 |
| Average equity | $110,022,000 | 655 |
| Average total loans | $579,522,000 | 754 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0188% | 6,326 |
| Cost of funding earning assets | 0.1600% | 6,494 |
| Net interest margin | 2.8588% | 5,884 |
| Noninterest income to average assets | 1.9487% | 408 |
| Noninterest expense to average assets | 3.5366% | 1,573 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7250% | 3,676 |
| Return on assets (ROA) | 0.7293% | 3,748 |
| Pretax return on assets | 1.0238% | 3,250 |
| Return on Equity (ROE) | 7.0206% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.3525% | 3,842 |
| Net charge-offs to loans | 0.0142% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 135.6184% | 342 |
| Efficiency ratio | 76.6429% | 2,685 |
| Assets per employee ($millions) | 4.2558% | 3,345 |
| Cash dividends to net income (ytd only)* | 52.2475% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 2,911 |
| Loan loss allowance to noncurrent loans | 140.8066% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 3,497 |
| Noncurrent loans to loans | 1.1097% | 3,317 |
| Net loans and leases to total assets | 56.3427% | 4,267 |
| Net loans and leases to deposits | 64.8461% | 4,429 |
| Net loans and leases to core deposits | 66.5847% | 4,648 |
| Total domestic deposits to total assets | 86.8867% | 2,789 |
| Equity capital to assets | 11.0277% | 2,583 |
| Core capital (leverage) ratio | 9.3505% | 4,475 |
| Tier 1 risk-based capital ratio | 15.3641% | 3,449 |
| Total risk-based capital ratio | 16.6170% | 3,395 |
| Memoranda: | ||
| Average total assets | $1,012,719,800 | 651 |
| Average earning assets | $923,060,600 | 645 |
| Average equity | $105,204,400 | 675 |
| Average total loans | $534,977,600 | 788 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9584% | 6,459 |
| Cost of funding earning assets | 0.1637% | 6,581 |
| Net interest margin | 2.7947% | 6,028 |
| Noninterest income to average assets | 1.9862% | 424 |
| Noninterest expense to average assets | 3.6130% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6651% | 4,039 |
| Return on assets (ROA) | 0.6708% | 4,153 |
| Pretax return on assets | 0.9345% | 3,743 |
| Return on Equity (ROE) | 6.5559% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.1112% | 3,761 |
| Net charge-offs to loans | 0.0109% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 164.5170% | 339 |
| Efficiency ratio | 78.5834% | 2,328 |
| Assets per employee ($millions) | 4.1395% | 3,560 |
| Cash dividends to net income (ytd only)* | 37.2901% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,900 |
| Loan loss allowance to noncurrent loans | 136.6861% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 3,756 |
| Noncurrent loans to loans | 1.1888% | 3,440 |
| Net loans and leases to total assets | 52.9199% | 4,761 |
| Net loans and leases to deposits | 60.3721% | 4,930 |
| Net loans and leases to core deposits | 62.0655% | 5,110 |
| Total domestic deposits to total assets | 87.6562% | 2,322 |
| Equity capital to assets | 10.3563% | 3,441 |
| Core capital (leverage) ratio | 9.1580% | 4,891 |
| Tier 1 risk-based capital ratio | 15.9818% | 3,202 |
| Total risk-based capital ratio | 17.2356% | 3,158 |
| Memoranda: | ||
| Average total assets | $1,017,998,750 | 650 |
| Average earning assets | $930,066,250 | 644 |
| Average equity | $104,167,750 | 688 |
| Average total loans | $526,831,000 | 803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9340% | 6,507 |
| Cost of funding earning assets | 0.1675% | 6,634 |
| Net interest margin | 2.7665% | 6,069 |
| Noninterest income to average assets | 2.0047% | 443 |
| Noninterest expense to average assets | 3.6271% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6461% | 4,077 |
| Return on assets (ROA) | 0.6547% | 4,204 |
| Pretax return on assets | 0.9139% | 3,855 |
| Return on Equity (ROE) | 6.4240% | 3,921 |
| Retained earnings to average equity (ytd only) | 2.7416% | 4,568 |
| Net charge-offs to loans | 0.0023% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 765.0000% | 51 |
| Efficiency ratio | 79.0759% | 2,286 |
| Assets per employee ($millions) | 4.1183% | 3,539 |
| Cash dividends to net income (ytd only)* | 57.3229% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 2,945 |
| Loan loss allowance to noncurrent loans | 137.9747% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 3,836 |
| Noncurrent loans to loans | 1.2018% | 3,555 |
| Net loans and leases to total assets | 52.9677% | 4,743 |
| Net loans and leases to deposits | 60.3749% | 4,933 |
| Net loans and leases to core deposits | 62.1848% | 5,078 |
| Total domestic deposits to total assets | 87.7314% | 2,426 |
| Equity capital to assets | 10.3418% | 3,501 |
| Core capital (leverage) ratio | 9.0708% | 4,877 |
| Tier 1 risk-based capital ratio | 15.6899% | 3,370 |
| Total risk-based capital ratio | 16.9438% | 3,314 |
| Memoranda: | ||
| Average total assets | $1,017,889,330 | 650 |
| Average earning assets | $928,763,330 | 644 |
| Average equity | $103,736,670 | 692 |
| Average total loans | $519,841,670 | 813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8762% | 6,628 |
| Cost of funding earning assets | 0.1714% | 6,719 |
| Net interest margin | 2.7047% | 6,209 |
| Noninterest income to average assets | 1.9231% | 451 |
| Noninterest expense to average assets | 3.7882% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4659% | 4,845 |
| Return on assets (ROA) | 0.4758% | 4,959 |
| Pretax return on assets | 0.6192% | 4,876 |
| Return on Equity (ROE) | 4.7026% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.7026% | 3,414 |
| Net charge-offs to loans | 0.0071% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 172.8889% | 233 |
| Efficiency ratio | 85.1734% | 1,627 |
| Assets per employee ($millions) | 4.2659% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,875 |
| Loan loss allowance to noncurrent loans | 139.7185% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 4,090 |
| Noncurrent loans to loans | 1.2388% | 3,703 |
| Net loans and leases to total assets | 48.9368% | 5,120 |
| Net loans and leases to deposits | 55.4529% | 5,302 |
| Net loans and leases to core deposits | 57.0578% | 5,430 |
| Total domestic deposits to total assets | 88.2494% | 2,159 |
| Equity capital to assets | 10.0778% | 4,045 |
| Core capital (leverage) ratio | 8.8898% | 5,070 |
| Tier 1 risk-based capital ratio | 16.3667% | 3,082 |
| Total risk-based capital ratio | 17.6216% | 3,026 |
| Memoranda: | ||
| Average total assets | $1,026,461,500 | 651 |
| Average earning assets | $937,909,000 | 644 |
| Average equity | $103,857,500 | 701 |
| Average total loans | $510,257,500 | 831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 6,597 |
| Cost of funding earning assets | 0.2869% | 6,514 |
| Net interest margin | 3.0014% | 6,048 |
| Noninterest income to average assets | 2.0998% | 402 |
| Noninterest expense to average assets | 3.7609% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7738% | 3,396 |
| Return on assets (ROA) | 0.9872% | 2,617 |
| Pretax return on assets | 1.3422% | 2,240 |
| Return on Equity (ROE) | 9.2486% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.5924% | 2,320 |
| Net charge-offs to loans | 0.0652% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 32.1879% | 958 |
| Efficiency ratio | 77.1033% | 2,576 |
| Assets per employee ($millions) | 4.2346% | 3,484 |
| Cash dividends to net income (ytd only)* | 39.5332% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 2,673 |
| Loan loss allowance to noncurrent loans | 137.7271% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 4,062 |
| Noncurrent loans to loans | 1.2877% | 3,685 |
| Net loans and leases to total assets | 48.7401% | 5,338 |
| Net loans and leases to deposits | 55.3623% | 5,506 |
| Net loans and leases to core deposits | 57.0054% | 5,632 |
| Total domestic deposits to total assets | 88.0385% | 2,214 |
| Equity capital to assets | 10.1590% | 3,950 |
| Core capital (leverage) ratio | 9.1152% | 4,715 |
| Tier 1 risk-based capital ratio | 16.9081% | 2,697 |
| Total risk-based capital ratio | 18.1638% | 2,655 |
| Memoranda: | ||
| Average total assets | $959,079,200 | 686 |
| Average earning assets | $867,537,400 | 687 |
| Average equity | $102,371,800 | 696 |
| Average total loans | $481,679,800 | 853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 6,656 |
| Cost of funding earning assets | 0.3079% | 6,574 |
| Net interest margin | 3.0668% | 6,024 |
| Noninterest income to average assets | 2.1325% | 390 |
| Noninterest expense to average assets | 3.7707% | 1,261 |
| Loan and lease loss provision to assets | 0.0529% | 5,089 |
| Net operating income to assets | 0.8009% | 3,450 |
| Return on assets (ROA) | 0.8036% | 3,679 |
| Pretax return on assets | 1.0769% | 3,436 |
| Return on Equity (ROE) | 7.4318% | 3,569 |
| Retained earnings to average equity (ytd only) | 5.0394% | 3,339 |
| Net charge-offs to loans | 0.0846% | 4,541 |
| Credit loss provision to net charge-offs | 124.1722% | 2,329 |
| Earnings coverage of net charge-offs (x) | 26.4269% | 1,214 |
| Efficiency ratio | 75.9942% | 2,682 |
| Assets per employee ($millions) | 3.9321% | 4,009 |
| Cash dividends to net income (ytd only)* | 32.1918% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 2,381 |
| Loan loss allowance to noncurrent loans | 138.7716% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 4,198 |
| Noncurrent loans to loans | 1.3926% | 3,714 |
| Net loans and leases to total assets | 48.5558% | 5,484 |
| Net loans and leases to deposits | 55.7066% | 5,659 |
| Net loans and leases to core deposits | 57.5024% | 5,768 |
| Total domestic deposits to total assets | 87.1635% | 2,581 |
| Equity capital to assets | 10.7563% | 3,548 |
| Core capital (leverage) ratio | 9.0766% | 4,955 |
| Tier 1 risk-based capital ratio | 16.9835% | 2,736 |
| Total risk-based capital ratio | 18.2407% | 2,693 |
| Memoranda: | ||
| Average total assets | $944,771,250 | 702 |
| Average earning assets | $851,640,000 | 709 |
| Average equity | $102,153,000 | 699 |
| Average total loans | $476,026,000 | 868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 6,663 |
| Cost of funding earning assets | 0.3202% | 6,649 |
| Net interest margin | 3.1339% | 5,905 |
| Noninterest income to average assets | 2.0190% | 398 |
| Noninterest expense to average assets | 3.8633% | 1,127 |
| Loan and lease loss provision to assets | 0.0535% | 4,992 |
| Net operating income to assets | 0.7115% | 3,807 |
| Return on assets (ROA) | 0.7115% | 4,075 |
| Pretax return on assets | 0.9195% | 4,007 |
| Return on Equity (ROE) | 6.5685% | 4,012 |
| Retained earnings to average equity (ytd only) | 2.9475% | 4,675 |
| Net charge-offs to loans | 0.1288% | 3,899 |
| Credit loss provision to net charge-offs | 81.9672% | 3,261 |
| Earnings coverage of net charge-offs (x) | 14.9082% | 1,680 |
| Efficiency ratio | 78.8505% | 2,343 |
| Assets per employee ($millions) | 3.8013% | 4,310 |
| Cash dividends to net income (ytd only)* | 55.1278% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 2,412 |
| Loan loss allowance to noncurrent loans | 409.2041% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 5,242 |
| Noncurrent loans to loans | 0.4741% | 5,584 |
| Net loans and leases to total assets | 48.7495% | 5,528 |
| Net loans and leases to deposits | 55.9375% | 5,653 |
| Net loans and leases to core deposits | 57.8997% | 5,785 |
| Total domestic deposits to total assets | 87.1499% | 2,685 |
| Equity capital to assets | 10.6903% | 3,468 |
| Core capital (leverage) ratio | 9.1777% | 4,644 |
| Tier 1 risk-based capital ratio | 16.7766% | 2,773 |
| Total risk-based capital ratio | 18.0340% | 2,726 |
| Memoranda: | ||
| Average total assets | $934,640,330 | 710 |
| Average earning assets | $840,227,670 | 719 |
| Average equity | $101,240,000 | 706 |
| Average total loans | $473,758,000 | 874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 6,645 |
| Cost of funding earning assets | 0.3328% | 6,713 |
| Net interest margin | 3.2093% | 5,761 |
| Noninterest income to average assets | 1.9046% | 444 |
| Noninterest expense to average assets | 4.1181% | 809 |
| Loan and lease loss provision to assets | 0.0541% | 4,734 |
| Net operating income to assets | 0.5237% | 4,719 |
| Return on assets (ROA) | 0.5237% | 4,928 |
| Pretax return on assets | 0.6102% | 5,083 |
| Return on Equity (ROE) | 4.8027% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.8027% | 3,671 |
| Net charge-offs to loans | -0.1174% | 6,842 |
| Credit loss provision to net charge-offs | -89.9281% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0606% | 1,574 |
| Assets per employee ($millions) | 3.8397% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,331 |
| Loan loss allowance to noncurrent loans | 330.0520% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,279 |
| Noncurrent loans to loans | 0.6079% | 5,445 |
| Net loans and leases to total assets | 49.4367% | 5,382 |
| Net loans and leases to deposits | 56.6165% | 5,537 |
| Net loans and leases to core deposits | 58.4696% | 5,673 |
| Total domestic deposits to total assets | 87.3185% | 2,759 |
| Equity capital to assets | 10.7450% | 3,218 |
| Core capital (leverage) ratio | 9.2099% | 4,500 |
| Tier 1 risk-based capital ratio | 16.7335% | 2,790 |
| Total risk-based capital ratio | 17.9918% | 2,746 |
| Memoranda: | ||
| Average total assets | $924,899,000 | 718 |
| Average earning assets | $829,333,000 | 727 |
| Average equity | $100,860,500 | 705 |
| Average total loans | $473,470,500 | 871 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 6,916 |
| Cost of funding earning assets | 0.4568% | 6,712 |
| Net interest margin | 3.1655% | 6,178 |
| Noninterest income to average assets | 1.9165% | 404 |
| Noninterest expense to average assets | 3.7766% | 1,389 |
| Loan and lease loss provision to assets | 0.0242% | 6,271 |
| Net operating income to assets | 0.7097% | 3,438 |
| Return on assets (ROA) | 1.0329% | 2,226 |
| Pretax return on assets | 1.4332% | 1,677 |
| Return on Equity (ROE) | 9.5963% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.9302% | 2,057 |
| Net charge-offs to loans | 0.0483% | 5,824 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 41.7000% | 649 |
| Efficiency ratio | 77.8549% | 2,611 |
| Assets per employee ($millions) | 3.6656% | 4,627 |
| Cash dividends to net income (ytd only)* | 38.2037% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 2,398 |
| Loan loss allowance to noncurrent loans | 278.5199% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 5,212 |
| Noncurrent loans to loans | 0.7037% | 5,289 |
| Net loans and leases to total assets | 50.9418% | 5,471 |
| Net loans and leases to deposits | 58.5074% | 5,652 |
| Net loans and leases to core deposits | 60.4816% | 5,798 |
| Total domestic deposits to total assets | 87.0690% | 2,725 |
| Equity capital to assets | 11.0706% | 2,923 |
| Core capital (leverage) ratio | 9.0162% | 4,756 |
| Tier 1 risk-based capital ratio | 16.7582% | 2,715 |
| Total risk-based capital ratio | 18.0161% | 2,673 |
| Memoranda: | ||
| Average total assets | $909,729,400 | 718 |
| Average earning assets | $824,392,000 | 718 |
| Average equity | $97,922,800 | 701 |
| Average total loans | $455,892,400 | 918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 7,007 |
| Cost of funding earning assets | 0.4815% | 6,779 |
| Net interest margin | 3.1305% | 6,343 |
| Noninterest income to average assets | 1.9728% | 391 |
| Noninterest expense to average assets | 3.8610% | 1,211 |
| Loan and lease loss provision to assets | 0.1099% | 5,062 |
| Net operating income to assets | 0.6076% | 4,052 |
| Return on assets (ROA) | 1.0251% | 2,398 |
| Pretax return on assets | 1.4208% | 1,880 |
| Return on Equity (ROE) | 9.5922% | 2,350 |
| Retained earnings to average equity (ytd only) | 7.1831% | 1,870 |
| Net charge-offs to loans | 0.0151% | 5,941 |
| Credit loss provision to net charge-offs | 1,470.5882% | 186 |
| Earnings coverage of net charge-offs (x) | 127.2125% | 291 |
| Efficiency ratio | 79.1790% | 2,379 |
| Assets per employee ($millions) | 3.6719% | 4,593 |
| Cash dividends to net income (ytd only)* | 25.1144% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,903 |
| Loan loss allowance to noncurrent loans | 269.3994% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 5,317 |
| Noncurrent loans to loans | 0.8091% | 5,249 |
| Net loans and leases to total assets | 47.9141% | 5,966 |
| Net loans and leases to deposits | 54.9931% | 6,123 |
| Net loans and leases to core deposits | 56.6051% | 6,265 |
| Total domestic deposits to total assets | 87.1275% | 2,568 |
| Equity capital to assets | 10.8987% | 3,239 |
| Core capital (leverage) ratio | 8.9186% | 5,070 |
| Tier 1 risk-based capital ratio | 17.2076% | 2,560 |
| Total risk-based capital ratio | 18.4683% | 2,518 |
| Memoranda: | ||
| Average total assets | $909,896,000 | 726 |
| Average earning assets | $825,153,500 | 727 |
| Average equity | $97,243,750 | 709 |
| Average total loans | $451,777,750 | 942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 7,044 |
| Cost of funding earning assets | 0.5019% | 6,840 |
| Net interest margin | 3.1629% | 6,254 |
| Noninterest income to average assets | 1.9417% | 376 |
| Noninterest expense to average assets | 3.9020% | 1,188 |
| Loan and lease loss provision to assets | 0.1108% | 4,911 |
| Net operating income to assets | 0.5789% | 4,162 |
| Return on assets (ROA) | 0.9879% | 2,375 |
| Pretax return on assets | 1.3541% | 1,942 |
| Return on Equity (ROE) | 9.3071% | 2,379 |
| Retained earnings to average equity (ytd only) | 5.6382% | 2,624 |
| Net charge-offs to loans | 0.0449% | 5,224 |
| Credit loss provision to net charge-offs | 495.0495% | 624 |
| Earnings coverage of net charge-offs (x) | 40.4059% | 741 |
| Efficiency ratio | 80.1061% | 2,373 |
| Assets per employee ($millions) | 3.4287% | 5,128 |
| Cash dividends to net income (ytd only)* | 39.4211% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1303% | 2,055 |
| Loan loss allowance to noncurrent loans | 203.5624% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 5,113 |
| Noncurrent loans to loans | 1.0465% | 4,903 |
| Net loans and leases to total assets | 49.3885% | 5,899 |
| Net loans and leases to deposits | 56.6945% | 6,073 |
| Net loans and leases to core deposits | 58.4575% | 6,239 |
| Total domestic deposits to total assets | 87.1134% | 2,678 |
| Equity capital to assets | 10.8991% | 3,066 |
| Core capital (leverage) ratio | 8.7833% | 5,075 |
| Tier 1 risk-based capital ratio | 17.0813% | 2,484 |
| Total risk-based capital ratio | 18.3418% | 2,456 |
| Memoranda: | ||
| Average total assets | $902,309,670 | 737 |
| Average earning assets | $817,285,330 | 742 |
| Average equity | $95,776,000 | 714 |
| Average total loans | $450,093,670 | 962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 7,089 |
| Cost of funding earning assets | 0.5227% | 6,888 |
| Net interest margin | 3.1492% | 6,221 |
| Noninterest income to average assets | 1.7852% | 428 |
| Noninterest expense to average assets | 4.0004% | 1,034 |
| Loan and lease loss provision to assets | 0.1106% | 4,630 |
| Net operating income to assets | 0.3871% | 5,006 |
| Return on assets (ROA) | 0.8891% | 2,683 |
| Pretax return on assets | 1.1925% | 2,397 |
| Return on Equity (ROE) | 8.4891% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.4891% | 1,556 |
| Net charge-offs to loans | 0.0054% | 5,054 |
| Credit loss provision to net charge-offs | 4,166.6667% | 87 |
| Earnings coverage of net charge-offs (x) | 238.8333% | 129 |
| Efficiency ratio | 85.2152% | 1,808 |
| Assets per employee ($millions) | 3.5894% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 2,170 |
| Loan loss allowance to noncurrent loans | 255.0188% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 5,445 |
| Noncurrent loans to loans | 0.8268% | 5,377 |
| Net loans and leases to total assets | 47.6355% | 6,117 |
| Net loans and leases to deposits | 54.2474% | 6,271 |
| Net loans and leases to core deposits | 55.8409% | 6,424 |
| Total domestic deposits to total assets | 87.8114% | 2,479 |
| Equity capital to assets | 10.2906% | 3,425 |
| Core capital (leverage) ratio | 8.7189% | 5,054 |
| Tier 1 risk-based capital ratio | 16.7694% | 2,559 |
| Total risk-based capital ratio | 18.0294% | 2,525 |
| Memoranda: | ||
| Average total assets | $904,304,000 | 741 |
| Average earning assets | $818,105,000 | 745 |
| Average equity | $94,709,500 | 715 |
| Average total loans | $448,478,500 | 972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 6,989 |
| Cost of funding earning assets | 0.5239% | 7,266 |
| Net interest margin | 3.6261% | 4,693 |
| Noninterest income to average assets | 1.8614% | 448 |
| Noninterest expense to average assets | 3.7597% | 1,563 |
| Loan and lease loss provision to assets | 0.1160% | 5,997 |
| Net operating income to assets | 0.9252% | 2,295 |
| Return on assets (ROA) | 1.0763% | 1,870 |
| Pretax return on assets | 1.4772% | 1,432 |
| Return on Equity (ROE) | 10.0098% | 1,923 |
| Retained earnings to average equity (ytd only) | 6.3852% | 1,630 |
| Net charge-offs to loans | 0.0299% | 6,510 |
| Credit loss provision to net charge-offs | 763.3588% | 283 |
| Earnings coverage of net charge-offs (x) | 91.2290% | 265 |
| Efficiency ratio | 71.9885% | 3,801 |
| Assets per employee ($millions) | 3.3685% | 5,248 |
| Cash dividends to net income (ytd only)* | 36.2108% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0743% | 2,123 |
| Loan loss allowance to noncurrent loans | 249.4073% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 5,454 |
| Noncurrent loans to loans | 0.8317% | 5,389 |
| Net loans and leases to total assets | 49.5230% | 6,208 |
| Net loans and leases to deposits | 56.5481% | 6,397 |
| Net loans and leases to core deposits | 58.2263% | 6,542 |
| Total domestic deposits to total assets | 87.5767% | 2,502 |
| Equity capital to assets | 10.6648% | 3,002 |
| Core capital (leverage) ratio | 8.4454% | 5,458 |
| Tier 1 risk-based capital ratio | 16.6837% | 2,464 |
| Total risk-based capital ratio | 17.9434% | 2,427 |
| Memoranda: | ||
| Average total assets | $862,127,600 | 783 |
| Average earning assets | $780,890,600 | 784 |
| Average equity | $92,698,800 | 719 |
| Average total loans | $438,086,800 | 1,024 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 7,037 |
| Cost of funding earning assets | 0.5150% | 7,427 |
| Net interest margin | 3.7287% | 4,274 |
| Noninterest income to average assets | 1.8569% | 424 |
| Noninterest expense to average assets | 3.7179% | 1,533 |
| Loan and lease loss provision to assets | 0.1167% | 5,860 |
| Net operating income to assets | 1.0104% | 2,199 |
| Return on assets (ROA) | 1.1278% | 1,914 |
| Pretax return on assets | 1.5567% | 1,458 |
| Return on Equity (ROE) | 10.4665% | 1,951 |
| Retained earnings to average equity (ytd only) | 8.1506% | 1,371 |
| Net charge-offs to loans | -0.0272% | 7,392 |
| Credit loss provision to net charge-offs | -842.6966% | 7,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0440% | 4,056 |
| Assets per employee ($millions) | 3.4806% | 5,023 |
| Cash dividends to net income (ytd only)* | 22.1272% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 2,019 |
| Loan loss allowance to noncurrent loans | 249.9458% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,570 |
| Noncurrent loans to loans | 0.8368% | 5,546 |
| Net loans and leases to total assets | 48.2910% | 6,493 |
| Net loans and leases to deposits | 55.3805% | 6,659 |
| Net loans and leases to core deposits | 56.7825% | 6,806 |
| Total domestic deposits to total assets | 87.1986% | 2,423 |
| Equity capital to assets | 10.9027% | 3,050 |
| Core capital (leverage) ratio | 8.7560% | 5,095 |
| Tier 1 risk-based capital ratio | 16.4656% | 2,573 |
| Total risk-based capital ratio | 17.7253% | 2,519 |
| Memoranda: | ||
| Average total assets | $857,021,500 | 788 |
| Average earning assets | $774,863,000 | 789 |
| Average equity | $92,343,000 | 722 |
| Average total loans | $436,027,500 | 1,033 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 7,056 |
| Cost of funding earning assets | 0.5174% | 7,521 |
| Net interest margin | 3.7786% | 4,002 |
| Noninterest income to average assets | 1.7333% | 441 |
| Noninterest expense to average assets | 3.7377% | 1,484 |
| Loan and lease loss provision to assets | 0.1184% | 5,712 |
| Net operating income to assets | 0.9531% | 2,353 |
| Return on assets (ROA) | 1.0479% | 2,096 |
| Pretax return on assets | 1.4193% | 1,780 |
| Return on Equity (ROE) | 9.7666% | 2,188 |
| Retained earnings to average equity (ytd only) | 6.2263% | 2,214 |
| Net charge-offs to loans | -0.0599% | 7,474 |
| Credit loss provision to net charge-offs | -384.6154% | 6,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5114% | 3,902 |
| Assets per employee ($millions) | 3.1041% | 5,912 |
| Cash dividends to net income (ytd only)* | 36.2486% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 2,079 |
| Loan loss allowance to noncurrent loans | 420.8586% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 5,870 |
| Noncurrent loans to loans | 0.4860% | 6,277 |
| Net loans and leases to total assets | 52.7044% | 6,140 |
| Net loans and leases to deposits | 60.8200% | 6,330 |
| Net loans and leases to core deposits | 62.4353% | 6,515 |
| Total domestic deposits to total assets | 86.6563% | 2,727 |
| Equity capital to assets | 11.3863% | 2,534 |
| Core capital (leverage) ratio | 8.9371% | 4,701 |
| Tier 1 risk-based capital ratio | 15.7311% | 2,791 |
| Total risk-based capital ratio | 16.9899% | 2,751 |
| Memoranda: | ||
| Average total assets | $844,524,670 | 800 |
| Average earning assets | $763,029,330 | 803 |
| Average equity | $90,615,330 | 723 |
| Average total loans | $434,304,330 | 1,043 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 6,961 |
| Cost of funding earning assets | 0.5267% | 7,633 |
| Net interest margin | 3.8946% | 3,355 |
| Noninterest income to average assets | 1.6718% | 453 |
| Noninterest expense to average assets | 3.6521% | 1,612 |
| Loan and lease loss provision to assets | 0.1167% | 5,441 |
| Net operating income to assets | 1.0433% | 2,023 |
| Return on assets (ROA) | 1.1579% | 1,732 |
| Pretax return on assets | 1.5995% | 1,264 |
| Return on Equity (ROE) | 11.1171% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.1171% | 895 |
| Net charge-offs to loans | 0.0037% | 5,572 |
| Credit loss provision to net charge-offs | 6,250.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 25 |
| Efficiency ratio | 69.0350% | 4,502 |
| Assets per employee ($millions) | 3.4410% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 2,144 |
| Loan loss allowance to noncurrent loans | 350.8736% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,873 |
| Noncurrent loans to loans | 0.5747% | 6,155 |
| Net loans and leases to total assets | 48.9749% | 6,581 |
| Net loans and leases to deposits | 55.6324% | 6,803 |
| Net loans and leases to core deposits | 56.9990% | 6,934 |
| Total domestic deposits to total assets | 88.0329% | 2,040 |
| Equity capital to assets | 10.5243% | 3,225 |
| Core capital (leverage) ratio | 8.5314% | 5,320 |
| Tier 1 risk-based capital ratio | 15.9966% | 2,662 |
| Total risk-based capital ratio | 17.2552% | 2,610 |
| Memoranda: | ||
| Average total assets | $857,040,000 | 805 |
| Average earning assets | $778,419,000 | 805 |
| Average equity | $89,268,000 | 733 |
| Average total loans | $430,992,500 | 1,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 7,617 |
| Cost of funding earning assets | 0.7151% | 7,667 |
| Net interest margin | 3.4607% | 5,125 |
| Noninterest income to average assets | 1.9278% | 396 |
| Noninterest expense to average assets | 3.6515% | 2,026 |
| Loan and lease loss provision to assets | 0.1287% | 6,352 |
| Net operating income to assets | 0.9594% | 1,986 |
| Return on assets (ROA) | 1.0933% | 1,573 |
| Pretax return on assets | 1.4736% | 1,254 |
| Return on Equity (ROE) | 10.5636% | 1,533 |
| Retained earnings to average equity (ytd only) | 6.9845% | 963 |
| Net charge-offs to loans | 0.0826% | 6,284 |
| Credit loss provision to net charge-offs | 313.6095% | 1,043 |
| Earnings coverage of net charge-offs (x) | 34.6243% | 679 |
| Efficiency ratio | 70.7982% | 4,477 |
| Assets per employee ($millions) | 3.4848% | 5,037 |
| Cash dividends to net income (ytd only)* | 33.8814% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 2,181 |
| Loan loss allowance to noncurrent loans | 152.7773% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 5,855 |
| Noncurrent loans to loans | 1.2660% | 4,818 |
| Net loans and leases to total assets | 49.6156% | 6,678 |
| Net loans and leases to deposits | 56.2423% | 6,903 |
| Net loans and leases to core deposits | 62.2104% | 7,182 |
| Total domestic deposits to total assets | 88.2176% | 1,876 |
| Equity capital to assets | 10.3075% | 3,395 |
| Core capital (leverage) ratio | 8.4072% | 5,423 |
| Tier 1 risk-based capital ratio | 15.4519% | 2,739 |
| Total risk-based capital ratio | 16.7095% | 2,689 |
| Memoranda: | ||
| Average total assets | $823,352,800 | 830 |
| Average earning assets | $748,249,400 | 832 |
| Average equity | $85,217,000 | 753 |
| Average total loans | $409,419,000 | 1,177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 7,748 |
| Cost of funding earning assets | 0.7588% | 7,753 |
| Net interest margin | 3.3966% | 5,281 |
| Noninterest income to average assets | 2.0112% | 362 |
| Noninterest expense to average assets | 3.7431% | 1,718 |
| Loan and lease loss provision to assets | 0.2454% | 4,999 |
| Net operating income to assets | 0.8561% | 2,590 |
| Return on assets (ROA) | 1.0081% | 2,089 |
| Pretax return on assets | 1.3078% | 1,936 |
| Return on Equity (ROE) | 9.7293% | 2,020 |
| Retained earnings to average equity (ytd only) | 7.4458% | 1,329 |
| Net charge-offs to loans | 0.0542% | 6,166 |
| Credit loss provision to net charge-offs | 914.6341% | 406 |
| Earnings coverage of net charge-offs (x) | 50.5308% | 626 |
| Efficiency ratio | 72.2083% | 4,210 |
| Assets per employee ($millions) | 3.4969% | 4,933 |
| Cash dividends to net income (ytd only)* | 23.4702% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 1,492 |
| Loan loss allowance to noncurrent loans | 145.3738% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 5,673 |
| Noncurrent loans to loans | 1.4846% | 4,440 |
| Net loans and leases to total assets | 48.0330% | 6,952 |
| Net loans and leases to deposits | 54.4889% | 7,175 |
| Net loans and leases to core deposits | 60.7786% | 7,370 |
| Total domestic deposits to total assets | 88.1519% | 1,592 |
| Equity capital to assets | 10.3327% | 3,693 |
| Core capital (leverage) ratio | 8.3087% | 5,817 |
| Tier 1 risk-based capital ratio | 15.7166% | 2,734 |
| Total risk-based capital ratio | 16.9771% | 2,662 |
| Memoranda: | ||
| Average total assets | $814,873,250 | 850 |
| Average earning assets | $740,801,750 | 853 |
| Average equity | $84,430,500 | 766 |
| Average total loans | $403,341,500 | 1,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 7,834 |
| Cost of funding earning assets | 0.8083% | 7,809 |
| Net interest margin | 3.3816% | 5,246 |
| Noninterest income to average assets | 1.9762% | 382 |
| Noninterest expense to average assets | 3.8561% | 1,566 |
| Loan and lease loss provision to assets | 0.2490% | 4,582 |
| Net operating income to assets | 0.7358% | 3,110 |
| Return on assets (ROA) | 0.9701% | 2,307 |
| Pretax return on assets | 1.2370% | 2,201 |
| Return on Equity (ROE) | 9.3534% | 2,235 |
| Retained earnings to average equity (ytd only) | 5.8819% | 2,075 |
| Net charge-offs to loans | 0.0843% | 5,364 |
| Credit loss provision to net charge-offs | 595.2381% | 783 |
| Earnings coverage of net charge-offs (x) | 28.3452% | 1,036 |
| Efficiency ratio | 75.2284% | 3,843 |
| Assets per employee ($millions) | 3.2971% | 5,327 |
| Cash dividends to net income (ytd only)* | 37.1150% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,389 |
| Loan loss allowance to noncurrent loans | 128.0934% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 5,362 |
| Noncurrent loans to loans | 1.6414% | 4,034 |
| Net loans and leases to total assets | 48.3980% | 7,002 |
| Net loans and leases to deposits | 55.0186% | 7,217 |
| Net loans and leases to core deposits | 61.2071% | 7,404 |
| Total domestic deposits to total assets | 87.9665% | 1,791 |
| Equity capital to assets | 10.2359% | 3,689 |
| Core capital (leverage) ratio | 8.1086% | 6,148 |
| Tier 1 risk-based capital ratio | 15.2924% | 2,887 |
| Total risk-based capital ratio | 16.5515% | 2,821 |
| Memoranda: | ||
| Average total assets | $803,250,000 | 878 |
| Average earning assets | $728,186,000 | 880 |
| Average equity | $83,307,000 | 788 |
| Average total loans | $398,735,330 | 1,245 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 7,903 |
| Cost of funding earning assets | 0.8708% | 7,844 |
| Net interest margin | 3.3316% | 5,393 |
| Noninterest income to average assets | 2.0768% | 343 |
| Noninterest expense to average assets | 3.7541% | 1,555 |
| Loan and lease loss provision to assets | 0.2512% | 3,962 |
| Net operating income to assets | 0.8114% | 3,082 |
| Return on assets (ROA) | 1.2417% | 1,639 |
| Pretax return on assets | 1.6808% | 1,213 |
| Return on Equity (ROE) | 11.8924% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.8924% | 808 |
| Net charge-offs to loans | -0.1273% | 7,940 |
| Credit loss provision to net charge-offs | -396.8254% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2118% | 4,156 |
| Assets per employee ($millions) | 3.5341% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 1,249 |
| Loan loss allowance to noncurrent loans | 120.4503% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 5,111 |
| Noncurrent loans to loans | 1.7370% | 3,657 |
| Net loans and leases to total assets | 46.7277% | 7,131 |
| Net loans and leases to deposits | 52.9217% | 7,348 |
| Net loans and leases to core deposits | 58.9275% | 7,500 |
| Total domestic deposits to total assets | 88.2958% | 1,581 |
| Equity capital to assets | 10.1324% | 3,846 |
| Core capital (leverage) ratio | 8.4132% | 5,693 |
| Tier 1 risk-based capital ratio | 15.8299% | 2,748 |
| Total risk-based capital ratio | 17.0895% | 2,687 |
| Memoranda: | ||
| Average total assets | $796,036,500 | 884 |
| Average earning assets | $723,494,500 | 882 |
| Average equity | $83,112,000 | 795 |
| Average total loans | $395,984,000 | 1,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 7,785 |
| Cost of funding earning assets | 1.5600% | 7,519 |
| Net interest margin | 3.5177% | 5,240 |
| Noninterest income to average assets | 2.0290% | 337 |
| Noninterest expense to average assets | 3.6070% | 2,126 |
| Loan and lease loss provision to assets | 0.1338% | 5,650 |
| Net operating income to assets | 1.0433% | 2,389 |
| Return on assets (ROA) | 1.1613% | 1,829 |
| Pretax return on assets | 1.5691% | 1,485 |
| Return on Equity (ROE) | 10.8861% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.8257% | 1,603 |
| Net charge-offs to loans | 0.4597% | 2,530 |
| Credit loss provision to net charge-offs | 54.8246% | 6,296 |
| Earnings coverage of net charge-offs (x) | 6.3224% | 3,382 |
| Efficiency ratio | 68.8072% | 4,576 |
| Assets per employee ($millions) | 3.1600% | 5,592 |
| Cash dividends to net income (ytd only)* | 46.4846% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 1,343 |
| Loan loss allowance to noncurrent loans | 121.9889% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 4,786 |
| Noncurrent loans to loans | 1.5888% | 3,390 |
| Net loans and leases to total assets | 50.9387% | 6,939 |
| Net loans and leases to deposits | 58.1655% | 7,198 |
| Net loans and leases to core deposits | 64.8644% | 7,408 |
| Total domestic deposits to total assets | 87.5755% | 1,677 |
| Equity capital to assets | 10.7769% | 3,228 |
| Core capital (leverage) ratio | 8.3793% | 5,803 |
| Tier 1 risk-based capital ratio | 15.4878% | 2,849 |
| Total risk-based capital ratio | 16.7458% | 2,782 |
| Memoranda: | ||
| Average total assets | $747,110,800 | 897 |
| Average earning assets | $662,960,000 | 918 |
| Average equity | $79,698,200 | 839 |
| Average total loans | $396,813,600 | 1,222 |