Home > The Bank of Commerce > Performance and Condition Ratios
The Bank of Commerce, 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 | 6.0908% | 565 |
| Cost of funding earning assets | 1.0990% | 3,072 |
| Net interest margin | 4.9919% | 316 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.6666% | 4,173 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 2.3563% | 280 |
| Return on assets (ROA) | 2.3563% | 274 |
| Pretax return on assets | 3.1095% | 185 |
| Return on Equity (ROE) | 18.8300% | 722 |
| Retained earnings to average equity (ytd only) | 12.9204% | 517 |
| Net charge-offs to loans | -0.0027% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 33.5999% | 4,466 |
| Assets per employee ($millions) | 9.5531% | 811 |
| Cash dividends to net income (ytd only)* | 31.3999% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 395 |
| Loan loss allowance to noncurrent loans | 990.9467% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,677 |
| Noncurrent loans to loans | 0.1990% | 2,517 |
| Net loans and leases to total assets | 63.5600% | 2,500 |
| Net loans and leases to deposits | 75.5065% | 2,500 |
| Net loans and leases to core deposits | 85.2958% | 2,352 |
| Total domestic deposits to total assets | 84.1700% | 2,573 |
| Equity capital to assets | 12.3479% | 1,021 |
| Core capital (leverage) ratio | 13.7062% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7569% | 1,120 |
| Memoranda: | ||
| Average total assets | $1,946,231,200 | 586 |
| Average earning assets | $1,817,547,600 | 568 |
| Average equity | $243,490,600 | 460 |
| Average total loans | $1,251,338,000 | 611 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9600% | 556 |
| Cost of funding earning assets | 0.9039% | 3,264 |
| Net interest margin | 5.0561% | 290 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.4577% | 4,342 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.5679% | 252 |
| Return on assets (ROA) | 2.5679% | 246 |
| Pretax return on assets | 3.3881% | 171 |
| Return on Equity (ROE) | 20.4500% | 683 |
| Retained earnings to average equity (ytd only) | 20.1215% | 256 |
| Net charge-offs to loans | -0.0034% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 29.0478% | 4,524 |
| Assets per employee ($millions) | 9.2027% | 868 |
| Cash dividends to net income (ytd only)* | 1.6251% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 419 |
| Loan loss allowance to noncurrent loans | 742.8152% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,433 |
| Noncurrent loans to loans | 0.2644% | 2,290 |
| Net loans and leases to total assets | 64.0600% | 2,442 |
| Net loans and leases to deposits | 76.1483% | 2,397 |
| Net loans and leases to core deposits | 85.2982% | 2,232 |
| Total domestic deposits to total assets | 84.1300% | 2,737 |
| Equity capital to assets | 12.8915% | 837 |
| Core capital (leverage) ratio | 14.4963% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6353% | 1,000 |
| Memoranda: | ||
| Average total assets | $1,916,924,250 | 594 |
| Average earning assets | $1,789,246,000 | 579 |
| Average equity | $240,665,000 | 462 |
| Average total loans | $1,229,716,250 | 617 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8052% | 552 |
| Cost of funding earning assets | 0.6563% | 3,610 |
| Net interest margin | 5.1489% | 257 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.5058% | 4,328 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 2.6577% | 205 |
| Return on assets (ROA) | 2.6577% | 203 |
| Pretax return on assets | 3.5110% | 148 |
| Return on Equity (ROE) | 21.3700% | 590 |
| Retained earnings to average equity (ytd only) | 21.0286% | 217 |
| Net charge-offs to loans | -0.0010% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 29.4568% | 4,545 |
| Assets per employee ($millions) | 9.2058% | 850 |
| Cash dividends to net income (ytd only)* | 1.5847% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 496 |
| Loan loss allowance to noncurrent loans | 1,540.3383% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 2,971 |
| Noncurrent loans to loans | 0.1232% | 2,857 |
| Net loans and leases to total assets | 63.6100% | 2,421 |
| Net loans and leases to deposits | 75.6022% | 2,352 |
| Net loans and leases to core deposits | 83.9243% | 2,215 |
| Total domestic deposits to total assets | 84.1400% | 2,794 |
| Equity capital to assets | 12.8950% | 835 |
| Core capital (leverage) ratio | 14.4090% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2681% | 1,071 |
| Memoranda: | ||
| Average total assets | $1,899,442,000 | 587 |
| Average earning assets | $1,775,094,333 | 574 |
| Average equity | $236,259,667 | 461 |
| Average total loans | $1,210,660,667 | 615 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6748% | 469 |
| Cost of funding earning assets | 0.4198% | 3,908 |
| Net interest margin | 5.2550% | 210 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.5038% | 4,384 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.7230% | 201 |
| Return on assets (ROA) | 2.7230% | 197 |
| Pretax return on assets | 3.5982% | 128 |
| Return on Equity (ROE) | 22.3100% | 559 |
| Retained earnings to average equity (ytd only) | 21.9625% | 288 |
| Net charge-offs to loans | -0.0023% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 28.8908% | 4,614 |
| Assets per employee ($millions) | 8.5777% | 1,099 |
| Cash dividends to net income (ytd only)* | 1.5568% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 460 |
| Loan loss allowance to noncurrent loans | 2,321.2575% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,230 |
| Noncurrent loans to loans | 0.0851% | 3,133 |
| Net loans and leases to total assets | 62.3300% | 2,433 |
| Net loans and leases to deposits | 71.8186% | 2,480 |
| Net loans and leases to core deposits | 79.0043% | 2,317 |
| Total domestic deposits to total assets | 86.7800% | 2,346 |
| Equity capital to assets | 12.7580% | 811 |
| Core capital (leverage) ratio | 13.8616% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2526% | 1,121 |
| Memoranda: | ||
| Average total assets | $1,887,156,500 | 606 |
| Average earning assets | $1,766,539,500 | 588 |
| Average equity | $230,338,500 | 477 |
| Average total loans | $1,192,185,000 | 627 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 1,140 |
| Cost of funding earning assets | 0.1327% | 4,218 |
| Net interest margin | 4.1283% | 624 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.6539% | 4,242 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.8236% | 417 |
| Return on assets (ROA) | 1.8236% | 397 |
| Pretax return on assets | 2.3942% | 234 |
| Return on Equity (ROE) | 15.5400% | 1,136 |
| Retained earnings to average equity (ytd only) | 9.8003% | 1,219 |
| Net charge-offs to loans | 0.0005% | 2,595 |
| Credit loss provision to net charge-offs | 59,220.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 9,690.8000% | 10 |
| Efficiency ratio | 39.3408% | 4,550 |
| Assets per employee ($millions) | 9.0212% | 912 |
| Cash dividends to net income (ytd only)* | 36.9398% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 551 |
| Loan loss allowance to noncurrent loans | 2,056.5492% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,220 |
| Noncurrent loans to loans | 0.0918% | 3,104 |
| Net loans and leases to total assets | 61.6000% | 2,486 |
| Net loans and leases to deposits | 70.4519% | 2,544 |
| Net loans and leases to core deposits | 75.5456% | 2,459 |
| Total domestic deposits to total assets | 87.4300% | 2,256 |
| Equity capital to assets | 11.6627% | 1,030 |
| Core capital (leverage) ratio | 12.9360% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3902% | 1,268 |
| Memoranda: | ||
| Average total assets | $1,900,096,600 | 586 |
| Average earning assets | $1,788,076,000 | 565 |
| Average equity | $222,962,200 | 482 |
| Average total loans | $1,102,807,200 | 628 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 1,543 |
| Cost of funding earning assets | 0.1079% | 4,220 |
| Net interest margin | 3.7675% | 1,005 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.4462% | 4,477 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.8352% | 399 |
| Return on assets (ROA) | 1.8352% | 390 |
| Pretax return on assets | 2.3623% | 252 |
| Return on Equity (ROE) | 15.6200% | 1,059 |
| Retained earnings to average equity (ytd only) | 15.2564% | 341 |
| Net charge-offs to loans | -0.0056% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.3313% | 4,626 |
| Assets per employee ($millions) | 9.0528% | 878 |
| Cash dividends to net income (ytd only)* | 2.3006% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 702 |
| Loan loss allowance to noncurrent loans | 2,151.8634% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,366 |
| Noncurrent loans to loans | 0.0845% | 3,273 |
| Net loans and leases to total assets | 57.9200% | 2,708 |
| Net loans and leases to deposits | 65.7097% | 2,746 |
| Net loans and leases to core deposits | 70.6022% | 2,594 |
| Total domestic deposits to total assets | 88.1500% | 2,381 |
| Equity capital to assets | 11.5959% | 972 |
| Core capital (leverage) ratio | 13.2583% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1904% | 1,141 |
| Memoranda: | ||
| Average total assets | $1,894,740,000 | 588 |
| Average earning assets | $1,784,964,000 | 563 |
| Average equity | $222,677,250 | 481 |
| Average total loans | $1,076,925,000 | 638 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5583% | 1,966 |
| Cost of funding earning assets | 0.0951% | 4,243 |
| Net interest margin | 3.4632% | 1,413 |
| Noninterest income to average assets | 0.3245% | 3,228 |
| Noninterest expense to average assets | 1.4347% | 4,496 |
| Loan and lease loss provision to assets | -0.0073% | 4,390 |
| Net operating income to assets | 1.6786% | 450 |
| Return on assets (ROA) | 1.6786% | 446 |
| Pretax return on assets | 2.1616% | 265 |
| Return on Equity (ROE) | 14.2176% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.8573% | 375 |
| Net charge-offs to loans | -0.0053% | 3,364 |
| Credit loss provision to net charge-offs | 246.4286% | 876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9751% | 4,611 |
| Assets per employee ($millions) | 8.9396% | 904 |
| Cash dividends to net income (ytd only)* | 2.5344% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 818 |
| Loan loss allowance to noncurrent loans | 1,818.6753% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,396 |
| Noncurrent loans to loans | 0.0990% | 3,263 |
| Net loans and leases to total assets | 56.6253% | 2,686 |
| Net loans and leases to deposits | 64.0463% | 2,717 |
| Net loans and leases to core deposits | 68.9902% | 2,569 |
| Total domestic deposits to total assets | 88.4132% | 2,422 |
| Equity capital to assets | 11.4020% | 1,065 |
| Core capital (leverage) ratio | 12.8618% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2403% | 1,137 |
| Memoranda: | ||
| Average total assets | $1,880,550,333 | 586 |
| Average earning assets | $1,772,638,667 | 563 |
| Average equity | $222,020,000 | 485 |
| Average total loans | $1,054,927,667 | 636 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3335% | 2,283 |
| Cost of funding earning assets | 0.0912% | 4,249 |
| Net interest margin | 3.2423% | 1,746 |
| Noninterest income to average assets | 0.3097% | 3,245 |
| Noninterest expense to average assets | 1.4544% | 4,481 |
| Loan and lease loss provision to assets | -0.0086% | 4,416 |
| Net operating income to assets | 1.4525% | 709 |
| Return on assets (ROA) | 1.4525% | 705 |
| Pretax return on assets | 1.9292% | 415 |
| Return on Equity (ROE) | 12.0922% | 1,278 |
| Retained earnings to average equity (ytd only) | 11.7358% | 644 |
| Net charge-offs to loans | -0.0170% | 3,832 |
| Credit loss provision to net charge-offs | 90.9091% | 1,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0936% | 4,581 |
| Assets per employee ($millions) | 8.9171% | 946 |
| Cash dividends to net income (ytd only)* | 2.9472% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 743 |
| Loan loss allowance to noncurrent loans | 1,748.8085% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,444 |
| Noncurrent loans to loans | 0.1086% | 3,294 |
| Net loans and leases to total assets | 54.1567% | 2,738 |
| Net loans and leases to deposits | 61.6341% | 2,748 |
| Net loans and leases to core deposits | 65.8356% | 2,640 |
| Total domestic deposits to total assets | 87.8680% | 2,583 |
| Equity capital to assets | 11.7383% | 1,046 |
| Core capital (leverage) ratio | 12.5762% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4901% | 1,147 |
| Memoranda: | ||
| Average total assets | $1,868,760,500 | 590 |
| Average earning assets | $1,766,779,000 | 568 |
| Average equity | $224,475,500 | 497 |
| Average total loans | $1,033,397,000 | 641 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 2,202 |
| Cost of funding earning assets | 0.1182% | 4,244 |
| Net interest margin | 3.5480% | 1,608 |
| Noninterest income to average assets | 0.3833% | 3,150 |
| Noninterest expense to average assets | 1.6818% | 4,320 |
| Loan and lease loss provision to assets | -0.0088% | 4,161 |
| Net operating income to assets | 1.5927% | 829 |
| Return on assets (ROA) | 1.5927% | 861 |
| Pretax return on assets | 2.0965% | 500 |
| Return on Equity (ROE) | 12.2270% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.5624% | 1,701 |
| Net charge-offs to loans | -0.0440% | 4,269 |
| Credit loss provision to net charge-offs | 34.5538% | 2,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6168% | 4,549 |
| Assets per employee ($millions) | 9.4723% | 792 |
| Cash dividends to net income (ytd only)* | 38.1497% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 677 |
| Loan loss allowance to noncurrent loans | 1,734.7636% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,548 |
| Noncurrent loans to loans | 0.1116% | 3,369 |
| Net loans and leases to total assets | 54.3219% | 2,811 |
| Net loans and leases to deposits | 62.3886% | 2,846 |
| Net loans and leases to core deposits | 66.8444% | 2,745 |
| Total domestic deposits to total assets | 87.0702% | 2,493 |
| Equity capital to assets | 12.2886% | 1,137 |
| Core capital (leverage) ratio | 12.3038% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7758% | 1,101 |
| Memoranda: | ||
| Average total assets | $1,711,581,800 | 613 |
| Average earning assets | $1,633,466,600 | 589 |
| Average equity | $222,957,800 | 492 |
| Average total loans | $992,209,800 | 660 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 2,093 |
| Cost of funding earning assets | 0.1243% | 4,312 |
| Net interest margin | 3.6453% | 1,480 |
| Noninterest income to average assets | 0.3227% | 3,495 |
| Noninterest expense to average assets | 1.4397% | 4,652 |
| Loan and lease loss provision to assets | -0.0064% | 4,309 |
| Net operating income to assets | 1.7806% | 693 |
| Return on assets (ROA) | 1.7806% | 727 |
| Pretax return on assets | 2.3763% | 406 |
| Return on Equity (ROE) | 13.4596% | 1,553 |
| Retained earnings to average equity (ytd only) | 13.0992% | 623 |
| Net charge-offs to loans | -0.0493% | 4,349 |
| Credit loss provision to net charge-offs | 21.9780% | 1,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7921% | 4,774 |
| Assets per employee ($millions) | 9.0498% | 879 |
| Cash dividends to net income (ytd only)* | 2.6779% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9903% | 644 |
| Loan loss allowance to noncurrent loans | 1,688.7468% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,673 |
| Noncurrent loans to loans | 0.1179% | 3,504 |
| Net loans and leases to total assets | 54.1649% | 2,950 |
| Net loans and leases to deposits | 62.4228% | 3,001 |
| Net loans and leases to core deposits | 67.0955% | 2,849 |
| Total domestic deposits to total assets | 86.7710% | 2,442 |
| Equity capital to assets | 12.9637% | 992 |
| Core capital (leverage) ratio | 13.3469% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1217% | 934 |
| Memoranda: | ||
| Average total assets | $1,677,705,000 | 627 |
| Average earning assets | $1,604,792,500 | 599 |
| Average equity | $221,952,000 | 498 |
| Average total loans | $984,466,000 | 680 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 2,561 |
| Cost of funding earning assets | 0.1320% | 4,338 |
| Net interest margin | 3.4873% | 1,893 |
| Noninterest income to average assets | 0.3364% | 3,417 |
| Noninterest expense to average assets | 1.4417% | 4,684 |
| Loan and lease loss provision to assets | -0.0101% | 4,408 |
| Net operating income to assets | 1.6787% | 907 |
| Return on assets (ROA) | 1.6788% | 953 |
| Pretax return on assets | 2.2393% | 537 |
| Return on Equity (ROE) | 12.5971% | 1,852 |
| Retained earnings to average equity (ytd only) | 12.2303% | 865 |
| Net charge-offs to loans | -0.0367% | 4,237 |
| Credit loss provision to net charge-offs | 46.1111% | 1,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2756% | 4,768 |
| Assets per employee ($millions) | 9.0223% | 855 |
| Cash dividends to net income (ytd only)* | 2.9116% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 664 |
| Loan loss allowance to noncurrent loans | 1,523.3696% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,701 |
| Noncurrent loans to loans | 0.1284% | 3,545 |
| Net loans and leases to total assets | 57.9824% | 2,674 |
| Net loans and leases to deposits | 67.0206% | 2,715 |
| Net loans and leases to core deposits | 72.4205% | 2,570 |
| Total domestic deposits to total assets | 86.5143% | 2,545 |
| Equity capital to assets | 13.2061% | 890 |
| Core capital (leverage) ratio | 13.2828% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7396% | 1,002 |
| Memoranda: | ||
| Average total assets | $1,636,637,333 | 632 |
| Average earning assets | $1,564,890,333 | 610 |
| Average equity | $218,114,333 | 499 |
| Average total loans | $980,865,000 | 684 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 2,231 |
| Cost of funding earning assets | 0.1381% | 4,391 |
| Net interest margin | 3.6163% | 1,538 |
| Noninterest income to average assets | 0.3383% | 3,410 |
| Noninterest expense to average assets | 1.5556% | 4,596 |
| Loan and lease loss provision to assets | -0.0177% | 4,602 |
| Net operating income to assets | 1.6751% | 981 |
| Return on assets (ROA) | 1.6751% | 1,029 |
| Pretax return on assets | 2.2553% | 629 |
| Return on Equity (ROE) | 12.5091% | 1,831 |
| Retained earnings to average equity (ytd only) | 12.1373% | 1,113 |
| Net charge-offs to loans | -0.0132% | 3,795 |
| Credit loss provision to net charge-offs | 221.8750% | 859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0093% | 4,711 |
| Assets per employee ($millions) | 8.1727% | 1,117 |
| Cash dividends to net income (ytd only)* | 2.9722% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 584 |
| Loan loss allowance to noncurrent loans | 1,489.6789% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,810 |
| Noncurrent loans to loans | 0.1352% | 3,635 |
| Net loans and leases to total assets | 57.9804% | 2,805 |
| Net loans and leases to deposits | 66.9862% | 2,812 |
| Net loans and leases to core deposits | 72.3068% | 2,675 |
| Total domestic deposits to total assets | 86.5556% | 2,498 |
| Equity capital to assets | 13.3332% | 825 |
| Core capital (leverage) ratio | 13.8076% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1871% | 768 |
| Memoranda: | ||
| Average total assets | $1,606,860,500 | 637 |
| Average earning assets | $1,535,172,500 | 615 |
| Average equity | $215,171,500 | 495 |
| Average total loans | $969,741,000 | 694 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 1,840 |
| Cost of funding earning assets | 0.2252% | 4,485 |
| Net interest margin | 4.0857% | 809 |
| Noninterest income to average assets | 0.3705% | 3,266 |
| Noninterest expense to average assets | 1.8307% | 4,424 |
| Loan and lease loss provision to assets | 0.2043% | 1,923 |
| Net operating income to assets | 1.6711% | 538 |
| Return on assets (ROA) | 1.6711% | 582 |
| Pretax return on assets | 2.2167% | 293 |
| Return on Equity (ROE) | 11.5365% | 1,466 |
| Retained earnings to average equity (ytd only) | 7.1153% | 1,353 |
| Net charge-offs to loans | 0.0160% | 2,782 |
| Credit loss provision to net charge-offs | 1,930.9211% | 455 |
| Earnings coverage of net charge-offs (x) | 228.7961% | 429 |
| Efficiency ratio | 43.0585% | 4,812 |
| Assets per employee ($millions) | 7.7411% | 1,145 |
| Cash dividends to net income (ytd only)* | 38.3238% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 576 |
| Loan loss allowance to noncurrent loans | 1,059.4140% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 3,707 |
| Noncurrent loans to loans | 0.1896% | 3,533 |
| Net loans and leases to total assets | 60.3325% | 2,818 |
| Net loans and leases to deposits | 70.1994% | 2,863 |
| Net loans and leases to core deposits | 75.7945% | 2,747 |
| Total domestic deposits to total assets | 85.9445% | 2,388 |
| Equity capital to assets | 13.4541% | 944 |
| Core capital (leverage) ratio | 13.5534% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7506% | 939 |
| Memoranda: | ||
| Average total assets | $1,436,514,600 | 640 |
| Average earning assets | $1,364,595,200 | 615 |
| Average equity | $208,087,600 | 489 |
| Average total loans | $952,873,800 | 673 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 1,941 |
| Cost of funding earning assets | 0.2472% | 4,525 |
| Net interest margin | 4.1196% | 865 |
| Noninterest income to average assets | 0.3494% | 3,375 |
| Noninterest expense to average assets | 1.6657% | 4,663 |
| Loan and lease loss provision to assets | 0.1167% | 2,865 |
| Net operating income to assets | 1.8614% | 402 |
| Return on assets (ROA) | 1.8615% | 445 |
| Pretax return on assets | 2.4768% | 220 |
| Return on Equity (ROE) | 12.5978% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.2114% | 399 |
| Net charge-offs to loans | 0.0571% | 1,792 |
| Credit loss provision to net charge-offs | 301.9704% | 1,752 |
| Earnings coverage of net charge-offs (x) | 67.1133% | 1,025 |
| Efficiency ratio | 39.1093% | 4,912 |
| Assets per employee ($millions) | 7.3858% | 1,282 |
| Cash dividends to net income (ytd only)* | 3.0678% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 761 |
| Loan loss allowance to noncurrent loans | 690.6017% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 3,579 |
| Noncurrent loans to loans | 0.2577% | 3,380 |
| Net loans and leases to total assets | 64.0062% | 2,769 |
| Net loans and leases to deposits | 74.7830% | 2,883 |
| Net loans and leases to core deposits | 80.6365% | 2,790 |
| Total domestic deposits to total assets | 85.5893% | 2,224 |
| Equity capital to assets | 14.3094% | 783 |
| Core capital (leverage) ratio | 14.6025% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6530% | 955 |
| Memoranda: | ||
| Average total assets | $1,400,846,250 | 641 |
| Average earning assets | $1,329,471,250 | 615 |
| Average equity | $206,993,250 | 486 |
| Average total loans | $948,020,000 | 672 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,761 |
| Cost of funding earning assets | 0.2645% | 4,580 |
| Net interest margin | 4.2938% | 764 |
| Noninterest income to average assets | 0.3331% | 3,473 |
| Noninterest expense to average assets | 1.7217% | 4,661 |
| Loan and lease loss provision to assets | 0.1039% | 2,972 |
| Net operating income to assets | 1.9286% | 384 |
| Return on assets (ROA) | 1.9287% | 430 |
| Pretax return on assets | 2.5813% | 188 |
| Return on Equity (ROE) | 12.9017% | 1,120 |
| Retained earnings to average equity (ytd only) | 12.5091% | 399 |
| Net charge-offs to loans | 0.0930% | 1,329 |
| Credit loss provision to net charge-offs | 162.7586% | 2,069 |
| Earnings coverage of net charge-offs (x) | 42.0690% | 1,213 |
| Efficiency ratio | 39.0691% | 4,938 |
| Assets per employee ($millions) | 7.3663% | 1,240 |
| Cash dividends to net income (ytd only)* | 3.0430% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 859 |
| Loan loss allowance to noncurrent loans | 713.1182% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,738 |
| Noncurrent loans to loans | 0.2351% | 3,533 |
| Net loans and leases to total assets | 65.1336% | 2,742 |
| Net loans and leases to deposits | 80.4735% | 2,374 |
| Net loans and leases to core deposits | 87.6058% | 2,289 |
| Total domestic deposits to total assets | 80.9379% | 3,622 |
| Equity capital to assets | 13.7369% | 912 |
| Core capital (leverage) ratio | 14.8654% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8859% | 1,076 |
| Memoranda: | ||
| Average total assets | $1,363,097,667 | 643 |
| Average earning assets | $1,293,215,000 | 618 |
| Average equity | $203,772,000 | 490 |
| Average total loans | $935,135,000 | 671 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 925 |
| Cost of funding earning assets | 0.2913% | 4,682 |
| Net interest margin | 4.7299% | 307 |
| Noninterest income to average assets | 0.3438% | 3,462 |
| Noninterest expense to average assets | 1.8659% | 4,581 |
| Loan and lease loss provision to assets | 0.0698% | 2,871 |
| Net operating income to assets | 2.1344% | 210 |
| Return on assets (ROA) | 2.1346% | 232 |
| Pretax return on assets | 2.8739% | 109 |
| Return on Equity (ROE) | 13.6174% | 775 |
| Retained earnings to average equity (ytd only) | 13.2182% | 301 |
| Net charge-offs to loans | -0.0080% | 4,002 |
| Credit loss provision to net charge-offs | -1,238.8889% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7978% | 4,998 |
| Assets per employee ($millions) | 6.0357% | 1,649 |
| Cash dividends to net income (ytd only)* | 2.9313% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 609 |
| Loan loss allowance to noncurrent loans | 585.4188% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,536 |
| Noncurrent loans to loans | 0.3239% | 3,333 |
| Net loans and leases to total assets | 68.9984% | 2,397 |
| Net loans and leases to deposits | 82.3884% | 2,404 |
| Net loans and leases to core deposits | 91.1097% | 2,237 |
| Total domestic deposits to total assets | 83.7477% | 2,869 |
| Equity capital to assets | 15.9647% | 588 |
| Core capital (leverage) ratio | 16.0061% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0256% | 982 |
| Memoranda: | ||
| Average total assets | $1,278,552,000 | 654 |
| Average earning assets | $1,207,055,000 | 635 |
| Average equity | $200,420,000 | 493 |
| Average total loans | $895,210,000 | 676 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 730 |
| Cost of funding earning assets | 0.3000% | 4,730 |
| Net interest margin | 5.0597% | 234 |
| Noninterest income to average assets | 0.3850% | 3,385 |
| Noninterest expense to average assets | 2.1040% | 4,358 |
| Loan and lease loss provision to assets | 0.4275% | 324 |
| Net operating income to assets | 1.9917% | 364 |
| Return on assets (ROA) | 1.9914% | 375 |
| Pretax return on assets | 2.6268% | 168 |
| Return on Equity (ROE) | 12.7256% | 1,269 |
| Retained earnings to average equity (ytd only) | 7.5604% | 1,138 |
| Net charge-offs to loans | 0.0796% | 1,965 |
| Credit loss provision to net charge-offs | 739.7203% | 433 |
| Earnings coverage of net charge-offs (x) | 52.8559% | 1,081 |
| Efficiency ratio | 40.7853% | 5,054 |
| Assets per employee ($millions) | 6.1710% | 1,506 |
| Cash dividends to net income (ytd only)* | 40.5894% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 585 |
| Loan loss allowance to noncurrent loans | 604.8410% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,578 |
| Noncurrent loans to loans | 0.3094% | 3,333 |
| Net loans and leases to total assets | 68.4015% | 2,622 |
| Net loans and leases to deposits | 81.6425% | 2,593 |
| Net loans and leases to core deposits | 89.6036% | 2,458 |
| Total domestic deposits to total assets | 83.7818% | 2,920 |
| Equity capital to assets | 15.3911% | 708 |
| Core capital (leverage) ratio | 15.4381% | 599 |
| Tier 1 risk-based capital ratio | 17.4271% | 1,916 |
| Total risk-based capital ratio | 18.6803% | 1,871 |
| Memoranda: | ||
| Average total assets | $1,237,184,000 | 643 |
| Average earning assets | $1,167,237,200 | 622 |
| Average equity | $193,602,000 | 487 |
| Average total loans | $898,452,800 | 642 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 708 |
| Cost of funding earning assets | 0.2984% | 4,801 |
| Net interest margin | 5.0947% | 237 |
| Noninterest income to average assets | 0.3947% | 3,354 |
| Noninterest expense to average assets | 1.8736% | 4,726 |
| Loan and lease loss provision to assets | 0.3152% | 457 |
| Net operating income to assets | 2.2782% | 233 |
| Return on assets (ROA) | 2.2778% | 247 |
| Pretax return on assets | 3.0167% | 113 |
| Return on Equity (ROE) | 14.4936% | 888 |
| Retained earnings to average equity (ytd only) | 14.0782% | 204 |
| Net charge-offs to loans | 0.1057% | 1,409 |
| Credit loss provision to net charge-offs | 406.3114% | 744 |
| Earnings coverage of net charge-offs (x) | 42.9623% | 1,303 |
| Efficiency ratio | 35.9886% | 5,175 |
| Assets per employee ($millions) | 6.0621% | 1,563 |
| Cash dividends to net income (ytd only)* | 2.8656% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,131 |
| Loan loss allowance to noncurrent loans | 487.7974% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,602 |
| Noncurrent loans to loans | 0.3168% | 3,391 |
| Net loans and leases to total assets | 72.8677% | 2,025 |
| Net loans and leases to deposits | 87.1580% | 2,039 |
| Net loans and leases to core deposits | 95.5018% | 2,040 |
| Total domestic deposits to total assets | 83.6042% | 2,966 |
| Equity capital to assets | 16.1974% | 604 |
| Core capital (leverage) ratio | 16.5623% | 493 |
| Tier 1 risk-based capital ratio | 17.2654% | 2,007 |
| Total risk-based capital ratio | 18.5143% | 1,967 |
| Memoranda: | ||
| Average total assets | $1,225,590,250 | 645 |
| Average earning assets | $1,157,402,500 | 626 |
| Average equity | $192,614,000 | 492 |
| Average total loans | $899,387,000 | 644 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 718 |
| Cost of funding earning assets | 0.2845% | 4,868 |
| Net interest margin | 5.0806% | 246 |
| Noninterest income to average assets | 0.3377% | 3,673 |
| Noninterest expense to average assets | 1.8973% | 4,753 |
| Loan and lease loss provision to assets | 0.3102% | 436 |
| Net operating income to assets | 2.1960% | 270 |
| Return on assets (ROA) | 2.1954% | 284 |
| Pretax return on assets | 2.9330% | 130 |
| Return on Equity (ROE) | 14.1177% | 951 |
| Retained earnings to average equity (ytd only) | 13.6946% | 245 |
| Net charge-offs to loans | 0.1616% | 988 |
| Credit loss provision to net charge-offs | 262.3088% | 983 |
| Earnings coverage of net charge-offs (x) | 27.4284% | 1,541 |
| Efficiency ratio | 36.9029% | 5,204 |
| Assets per employee ($millions) | 5.8553% | 1,655 |
| Cash dividends to net income (ytd only)* | 2.9972% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,567 |
| Loan loss allowance to noncurrent loans | 313.4462% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,025 |
| Noncurrent loans to loans | 0.4505% | 2,921 |
| Net loans and leases to total assets | 76.8126% | 1,416 |
| Net loans and leases to deposits | 91.7925% | 1,512 |
| Net loans and leases to core deposits | 100.5292% | 1,675 |
| Total domestic deposits to total assets | 83.6807% | 2,984 |
| Equity capital to assets | 16.1585% | 595 |
| Core capital (leverage) ratio | 16.5329% | 482 |
| Tier 1 risk-based capital ratio | 16.7526% | 2,161 |
| Total risk-based capital ratio | 17.9240% | 2,135 |
| Memoranda: | ||
| Average total assets | $1,215,838,330 | 651 |
| Average earning assets | $1,149,538,670 | 632 |
| Average equity | $189,067,670 | 495 |
| Average total loans | $889,606,330 | 647 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 791 |
| Cost of funding earning assets | 0.2699% | 4,931 |
| Net interest margin | 5.0048% | 278 |
| Noninterest income to average assets | 0.3301% | 3,651 |
| Noninterest expense to average assets | 1.9512% | 4,730 |
| Loan and lease loss provision to assets | 0.1800% | 923 |
| Net operating income to assets | 2.1683% | 288 |
| Return on assets (ROA) | 2.1670% | 301 |
| Pretax return on assets | 2.9241% | 139 |
| Return on Equity (ROE) | 14.2118% | 922 |
| Retained earnings to average equity (ytd only) | 13.7809% | 372 |
| Net charge-offs to loans | 0.0102% | 2,323 |
| Credit loss provision to net charge-offs | 2,490.9091% | 179 |
| Earnings coverage of net charge-offs (x) | 429.7727% | 180 |
| Efficiency ratio | 38.5840% | 5,234 |
| Assets per employee ($millions) | 5.6990% | 1,794 |
| Cash dividends to net income (ytd only)* | 3.0317% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,496 |
| Loan loss allowance to noncurrent loans | 248.7069% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 2,657 |
| Noncurrent loans to loans | 0.5849% | 2,582 |
| Net loans and leases to total assets | 72.5445% | 2,070 |
| Net loans and leases to deposits | 86.6700% | 2,047 |
| Net loans and leases to core deposits | 95.0736% | 2,018 |
| Total domestic deposits to total assets | 83.7019% | 3,143 |
| Equity capital to assets | 15.9460% | 583 |
| Core capital (leverage) ratio | 15.9731% | 536 |
| Tier 1 risk-based capital ratio | 17.1211% | 2,073 |
| Total risk-based capital ratio | 18.3052% | 2,033 |
| Memoranda: | ||
| Average total assets | $1,217,731,500 | 654 |
| Average earning assets | $1,150,085,500 | 640 |
| Average equity | $185,677,000 | 498 |
| Average total loans | $862,238,000 | 677 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 1,050 |
| Cost of funding earning assets | 0.1886% | 5,047 |
| Net interest margin | 4.8087% | 392 |
| Noninterest income to average assets | 0.3464% | 3,794 |
| Noninterest expense to average assets | 2.1430% | 4,463 |
| Loan and lease loss provision to assets | 0.3937% | 355 |
| Net operating income to assets | 1.8129% | 538 |
| Return on assets (ROA) | 1.8129% | 532 |
| Pretax return on assets | 2.3662% | 258 |
| Return on Equity (ROE) | 11.9590% | 1,730 |
| Retained earnings to average equity (ytd only) | 7.3650% | 1,515 |
| Net charge-offs to loans | 0.0065% | 3,464 |
| Credit loss provision to net charge-offs | 8,583.3333% | 55 |
| Earnings coverage of net charge-offs (x) | 601.7593% | 179 |
| Efficiency ratio | 43.7102% | 5,191 |
| Assets per employee ($millions) | 5.8415% | 1,638 |
| Cash dividends to net income (ytd only)* | 38.4147% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,525 |
| Loan loss allowance to noncurrent loans | 258.8936% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,676 |
| Noncurrent loans to loans | 0.5517% | 2,619 |
| Net loans and leases to total assets | 67.1706% | 2,978 |
| Net loans and leases to deposits | 79.3353% | 3,024 |
| Net loans and leases to core deposits | 86.2979% | 2,890 |
| Total domestic deposits to total assets | 84.6667% | 2,779 |
| Equity capital to assets | 14.5868% | 813 |
| Core capital (leverage) ratio | 15.1500% | 665 |
| Tier 1 risk-based capital ratio | 17.0200% | 2,060 |
| Total risk-based capital ratio | 18.1843% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,177,437,200 | 651 |
| Average earning assets | $1,115,655,600 | 634 |
| Average equity | $178,493,400 | 494 |
| Average total loans | $833,813,400 | 670 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 1,131 |
| Cost of funding earning assets | 0.1771% | 5,109 |
| Net interest margin | 4.7350% | 434 |
| Noninterest income to average assets | 0.3450% | 3,837 |
| Noninterest expense to average assets | 1.9678% | 4,799 |
| Loan and lease loss provision to assets | 0.2416% | 654 |
| Net operating income to assets | 2.0038% | 371 |
| Return on assets (ROA) | 2.0038% | 371 |
| Pretax return on assets | 2.6287% | 179 |
| Return on Equity (ROE) | 13.0851% | 1,397 |
| Retained earnings to average equity (ytd only) | 12.6345% | 402 |
| Net charge-offs to loans | 0.0064% | 3,201 |
| Credit loss provision to net charge-offs | 5,252.5000% | 74 |
| Earnings coverage of net charge-offs (x) | 623.9484% | 141 |
| Efficiency ratio | 40.6732% | 5,315 |
| Assets per employee ($millions) | 5.5872% | 1,838 |
| Cash dividends to net income (ytd only)* | 3.4437% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,034 |
| Loan loss allowance to noncurrent loans | 116.0890% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 1,813 |
| Noncurrent loans to loans | 0.9718% | 1,749 |
| Net loans and leases to total assets | 71.7173% | 2,371 |
| Net loans and leases to deposits | 85.3561% | 2,439 |
| Net loans and leases to core deposits | 92.6472% | 2,422 |
| Total domestic deposits to total assets | 84.0213% | 2,935 |
| Equity capital to assets | 15.7653% | 575 |
| Core capital (leverage) ratio | 16.0244% | 512 |
| Tier 1 risk-based capital ratio | 17.2683% | 1,999 |
| Total risk-based capital ratio | 18.1953% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,159,278,500 | 659 |
| Average earning assets | $1,100,064,250 | 643 |
| Average equity | $177,530,500 | 491 |
| Average total loans | $829,304,500 | 669 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 1,328 |
| Cost of funding earning assets | 0.1719% | 5,142 |
| Net interest margin | 4.5986% | 549 |
| Noninterest income to average assets | 0.3461% | 3,858 |
| Noninterest expense to average assets | 1.9782% | 4,837 |
| Loan and lease loss provision to assets | 0.2170% | 760 |
| Net operating income to assets | 1.9186% | 447 |
| Return on assets (ROA) | 1.9186% | 445 |
| Pretax return on assets | 2.5138% | 221 |
| Return on Equity (ROE) | 12.6554% | 1,493 |
| Retained earnings to average equity (ytd only) | 12.1976% | 491 |
| Net charge-offs to loans | 0.0375% | 2,100 |
| Credit loss provision to net charge-offs | 812.3377% | 495 |
| Earnings coverage of net charge-offs (x) | 102.2078% | 688 |
| Efficiency ratio | 42.0087% | 5,347 |
| Assets per employee ($millions) | 5.4162% | 1,979 |
| Cash dividends to net income (ytd only)* | 3.6173% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,833 |
| Loan loss allowance to noncurrent loans | 139.8679% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 2,220 |
| Noncurrent loans to loans | 0.7155% | 2,324 |
| Net loans and leases to total assets | 74.1120% | 1,933 |
| Net loans and leases to deposits | 87.9221% | 2,123 |
| Net loans and leases to core deposits | 95.9094% | 2,063 |
| Total domestic deposits to total assets | 84.2928% | 2,961 |
| Equity capital to assets | 15.5275% | 590 |
| Core capital (leverage) ratio | 15.8747% | 521 |
| Tier 1 risk-based capital ratio | 16.3856% | 2,296 |
| Total risk-based capital ratio | 17.2076% | 2,389 |
| Memoranda: | ||
| Average total assets | $1,152,737,670 | 666 |
| Average earning assets | $1,093,686,670 | 646 |
| Average equity | $174,755,000 | 494 |
| Average total loans | $820,698,330 | 671 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 1,656 |
| Cost of funding earning assets | 0.1654% | 5,186 |
| Net interest margin | 4.4074% | 758 |
| Noninterest income to average assets | 0.3594% | 3,739 |
| Noninterest expense to average assets | 2.0362% | 4,779 |
| Loan and lease loss provision to assets | 0.0992% | 1,865 |
| Net operating income to assets | 1.8348% | 524 |
| Return on assets (ROA) | 1.8348% | 526 |
| Pretax return on assets | 2.4061% | 261 |
| Return on Equity (ROE) | 12.2525% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.7877% | 717 |
| Net charge-offs to loans | 0.1049% | 1,152 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 34.4498% | 1,156 |
| Efficiency ratio | 44.8360% | 5,326 |
| Assets per employee ($millions) | 5.2591% | 2,187 |
| Cash dividends to net income (ytd only)* | 3.7929% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 4,181 |
| Loan loss allowance to noncurrent loans | 118.8431% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 2,195 |
| Noncurrent loans to loans | 0.8064% | 2,195 |
| Net loans and leases to total assets | 70.0354% | 2,485 |
| Net loans and leases to deposits | 83.0572% | 2,495 |
| Net loans and leases to core deposits | 91.2022% | 2,357 |
| Total domestic deposits to total assets | 84.3219% | 3,183 |
| Equity capital to assets | 15.4277% | 581 |
| Core capital (leverage) ratio | 15.3928% | 574 |
| Tier 1 risk-based capital ratio | 17.1451% | 2,077 |
| Total risk-based capital ratio | 17.9291% | 2,167 |
| Memoranda: | ||
| Average total assets | $1,149,571,500 | 671 |
| Average earning assets | $1,090,805,500 | 651 |
| Average equity | $172,145,000 | 503 |
| Average total loans | $797,201,000 | 695 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,561 |
| Cost of funding earning assets | 0.1428% | 5,304 |
| Net interest margin | 4.0922% | 1,469 |
| Noninterest income to average assets | 0.4321% | 3,422 |
| Noninterest expense to average assets | 2.1041% | 4,752 |
| Loan and lease loss provision to assets | 0.1444% | 1,576 |
| Net operating income to assets | 1.2870% | 1,259 |
| Return on assets (ROA) | 1.2870% | 1,281 |
| Pretax return on assets | 2.0687% | 418 |
| Return on Equity (ROE) | 8.6045% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.9111% | 2,184 |
| Net charge-offs to loans | 0.0439% | 2,913 |
| Credit loss provision to net charge-offs | 506.5625% | 610 |
| Earnings coverage of net charge-offs (x) | 77.6156% | 787 |
| Efficiency ratio | 48.7379% | 5,275 |
| Assets per employee ($millions) | 5.4345% | 2,006 |
| Cash dividends to net income (ytd only)* | 42.9244% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 4,187 |
| Loan loss allowance to noncurrent loans | 122.8664% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 2,387 |
| Noncurrent loans to loans | 0.7769% | 2,273 |
| Net loans and leases to total assets | 67.3770% | 2,903 |
| Net loans and leases to deposits | 79.3939% | 2,984 |
| Net loans and leases to core deposits | 87.4069% | 2,773 |
| Total domestic deposits to total assets | 84.8642% | 2,888 |
| Equity capital to assets | 14.5363% | 769 |
| Core capital (leverage) ratio | 14.7203% | 675 |
| Tier 1 risk-based capital ratio | 16.9756% | 2,107 |
| Total risk-based capital ratio | 17.7659% | 2,199 |
| Memoranda: | ||
| Average total assets | $1,122,271,400 | 657 |
| Average earning assets | $1,065,483,400 | 638 |
| Average equity | $167,865,200 | 497 |
| Average total loans | $728,767,200 | 724 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 2,770 |
| Cost of funding earning assets | 0.1385% | 5,379 |
| Net interest margin | 4.0186% | 1,640 |
| Noninterest income to average assets | 0.4383% | 3,415 |
| Noninterest expense to average assets | 1.8882% | 5,152 |
| Loan and lease loss provision to assets | 0.1548% | 1,334 |
| Net operating income to assets | 1.4768% | 942 |
| Return on assets (ROA) | 1.4768% | 958 |
| Pretax return on assets | 2.2147% | 349 |
| Return on Equity (ROE) | 9.8008% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.3228% | 752 |
| Net charge-offs to loans | 0.0492% | 2,446 |
| Credit loss provision to net charge-offs | 490.4943% | 657 |
| Earnings coverage of net charge-offs (x) | 75.0566% | 855 |
| Efficiency ratio | 44.3473% | 5,471 |
| Assets per employee ($millions) | 5.3123% | 2,109 |
| Cash dividends to net income (ytd only)* | 4.8769% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,249 |
| Loan loss allowance to noncurrent loans | 118.9523% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,472 |
| Noncurrent loans to loans | 0.8136% | 2,329 |
| Net loans and leases to total assets | 65.8131% | 3,129 |
| Net loans and leases to deposits | 77.8702% | 3,181 |
| Net loans and leases to core deposits | 85.5275% | 3,008 |
| Total domestic deposits to total assets | 84.5164% | 2,912 |
| Equity capital to assets | 15.2799% | 679 |
| Core capital (leverage) ratio | 15.4825% | 583 |
| Tier 1 risk-based capital ratio | 18.0452% | 1,840 |
| Total risk-based capital ratio | 18.8295% | 1,927 |
| Memoranda: | ||
| Average total assets | $1,110,732,750 | 668 |
| Average earning assets | $1,055,699,500 | 646 |
| Average equity | $167,370,000 | 505 |
| Average total loans | $712,249,750 | 736 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 3,094 |
| Cost of funding earning assets | 0.1346% | 5,426 |
| Net interest margin | 3.8947% | 1,947 |
| Noninterest income to average assets | 0.4499% | 3,352 |
| Noninterest expense to average assets | 1.8658% | 5,231 |
| Loan and lease loss provision to assets | 0.1321% | 1,579 |
| Net operating income to assets | 1.4486% | 950 |
| Return on assets (ROA) | 1.4486% | 979 |
| Pretax return on assets | 2.1542% | 391 |
| Return on Equity (ROE) | 9.6601% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.1760% | 787 |
| Net charge-offs to loans | 0.0499% | 2,221 |
| Credit loss provision to net charge-offs | 418.3908% | 759 |
| Earnings coverage of net charge-offs (x) | 72.4023% | 823 |
| Efficiency ratio | 44.9364% | 5,493 |
| Assets per employee ($millions) | 5.4173% | 1,947 |
| Cash dividends to net income (ytd only)* | 5.0113% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,543 |
| Loan loss allowance to noncurrent loans | 114.1165% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 2,496 |
| Noncurrent loans to loans | 0.8082% | 2,382 |
| Net loans and leases to total assets | 66.1578% | 3,079 |
| Net loans and leases to deposits | 78.3687% | 3,083 |
| Net loans and leases to core deposits | 85.9866% | 2,880 |
| Total domestic deposits to total assets | 84.4186% | 3,046 |
| Equity capital to assets | 15.2803% | 660 |
| Core capital (leverage) ratio | 15.3560% | 571 |
| Tier 1 risk-based capital ratio | 19.6878% | 1,435 |
| Total risk-based capital ratio | 20.5084% | 1,480 |
| Memoranda: | ||
| Average total assets | $1,102,031,000 | 677 |
| Average earning assets | $1,047,586,330 | 650 |
| Average equity | $165,257,330 | 511 |
| Average total loans | $697,833,000 | 748 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,568 |
| Cost of funding earning assets | 0.1325% | 5,474 |
| Net interest margin | 3.7219% | 2,410 |
| Noninterest income to average assets | 0.3480% | 4,061 |
| Noninterest expense to average assets | 1.9057% | 5,227 |
| Loan and lease loss provision to assets | 0.1315% | 1,455 |
| Net operating income to assets | 1.2669% | 1,329 |
| Return on assets (ROA) | 1.2669% | 1,362 |
| Pretax return on assets | 1.8532% | 716 |
| Return on Equity (ROE) | 8.5305% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.0398% | 1,442 |
| Net charge-offs to loans | 0.1041% | 1,332 |
| Credit loss provision to net charge-offs | 205.1136% | 1,002 |
| Earnings coverage of net charge-offs (x) | 30.9489% | 1,200 |
| Efficiency ratio | 48.9838% | 5,420 |
| Assets per employee ($millions) | 5.3291% | 2,045 |
| Cash dividends to net income (ytd only)* | 5.7521% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,584 |
| Loan loss allowance to noncurrent loans | 299.2599% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,801 |
| Noncurrent loans to loans | 0.3155% | 3,992 |
| Net loans and leases to total assets | 61.8366% | 3,560 |
| Net loans and leases to deposits | 73.0338% | 3,507 |
| Net loans and leases to core deposits | 80.3167% | 3,258 |
| Total domestic deposits to total assets | 84.6685% | 3,229 |
| Equity capital to assets | 15.0116% | 654 |
| Core capital (leverage) ratio | 15.1371% | 581 |
| Tier 1 risk-based capital ratio | 20.0258% | 1,384 |
| Total risk-based capital ratio | 20.8479% | 1,448 |
| Memoranda: | ||
| Average total assets | $1,097,771,000 | 682 |
| Average earning assets | $1,044,831,000 | 655 |
| Average equity | $163,038,000 | 512 |
| Average total loans | $675,972,000 | 777 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 3,774 |
| Cost of funding earning assets | 0.1275% | 5,569 |
| Net interest margin | 3.7114% | 2,646 |
| Noninterest income to average assets | 0.4081% | 3,815 |
| Noninterest expense to average assets | 2.1159% | 4,974 |
| Loan and lease loss provision to assets | 0.1303% | 1,912 |
| Net operating income to assets | 1.1713% | 1,600 |
| Return on assets (ROA) | 1.1713% | 1,697 |
| Pretax return on assets | 1.6753% | 1,063 |
| Return on Equity (ROE) | 7.7364% | 3,092 |
| Retained earnings to average equity (ytd only) | 4.6773% | 2,562 |
| Net charge-offs to loans | 0.2778% | 991 |
| Credit loss provision to net charge-offs | 77.6901% | 3,009 |
| Earnings coverage of net charge-offs (x) | 10.7628% | 2,605 |
| Efficiency ratio | 53.9552% | 5,246 |
| Assets per employee ($millions) | 5.3289% | 2,030 |
| Cash dividends to net income (ytd only)* | 39.5416% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 4,614 |
| Loan loss allowance to noncurrent loans | 294.2416% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,787 |
| Noncurrent loans to loans | 0.3204% | 3,998 |
| Net loans and leases to total assets | 60.1550% | 3,831 |
| Net loans and leases to deposits | 70.9525% | 3,817 |
| Net loans and leases to core deposits | 77.0376% | 3,654 |
| Total domestic deposits to total assets | 84.7822% | 3,136 |
| Equity capital to assets | 14.6919% | 692 |
| Core capital (leverage) ratio | 15.0477% | 594 |
| Tier 1 risk-based capital ratio | 19.8625% | 1,403 |
| Total risk-based capital ratio | 20.6687% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,057,991,000 | 682 |
| Average earning assets | $1,001,569,800 | 662 |
| Average equity | $160,178,800 | 497 |
| Average total loans | $638,981,600 | 780 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 3,769 |
| Cost of funding earning assets | 0.1277% | 5,633 |
| Net interest margin | 3.7224% | 2,630 |
| Noninterest income to average assets | 0.4023% | 3,909 |
| Noninterest expense to average assets | 1.8748% | 5,422 |
| Loan and lease loss provision to assets | 0.1603% | 1,444 |
| Net operating income to assets | 1.3046% | 1,278 |
| Return on assets (ROA) | 1.3046% | 1,369 |
| Pretax return on assets | 1.8865% | 732 |
| Return on Equity (ROE) | 8.5508% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.0505% | 1,150 |
| Net charge-offs to loans | 0.4002% | 539 |
| Credit loss provision to net charge-offs | 66.4207% | 2,841 |
| Earnings coverage of net charge-offs (x) | 8.4813% | 2,761 |
| Efficiency ratio | 47.8070% | 5,599 |
| Assets per employee ($millions) | 5.1421% | 2,200 |
| Cash dividends to net income (ytd only)* | 5.8508% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 4,699 |
| Loan loss allowance to noncurrent loans | 399.8016% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 4,093 |
| Noncurrent loans to loans | 0.2356% | 4,428 |
| Net loans and leases to total assets | 59.7294% | 3,913 |
| Net loans and leases to deposits | 70.8777% | 3,902 |
| Net loans and leases to core deposits | 76.9959% | 3,756 |
| Total domestic deposits to total assets | 84.2711% | 3,112 |
| Equity capital to assets | 15.4834% | 631 |
| Core capital (leverage) ratio | 15.5401% | 552 |
| Tier 1 risk-based capital ratio | 20.6916% | 1,321 |
| Total risk-based capital ratio | 21.4923% | 1,367 |
| Memoranda: | ||
| Average total assets | $1,048,049,500 | 691 |
| Average earning assets | $990,876,750 | 668 |
| Average equity | $159,903,250 | 500 |
| Average total loans | $632,066,750 | 787 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 3,888 |
| Cost of funding earning assets | 0.1272% | 5,715 |
| Net interest margin | 3.6919% | 2,726 |
| Noninterest income to average assets | 0.4115% | 3,799 |
| Noninterest expense to average assets | 1.8951% | 5,458 |
| Loan and lease loss provision to assets | 0.1711% | 1,290 |
| Net operating income to assets | 1.2759% | 1,346 |
| Return on assets (ROA) | 1.2759% | 1,459 |
| Pretax return on assets | 1.8373% | 807 |
| Return on Equity (ROE) | 8.4047% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.8992% | 1,202 |
| Net charge-offs to loans | 0.4860% | 452 |
| Credit loss provision to net charge-offs | 58.3770% | 2,597 |
| Earnings coverage of net charge-offs (x) | 6.8521% | 2,693 |
| Efficiency ratio | 48.5478% | 5,646 |
| Assets per employee ($millions) | 5.1579% | 2,133 |
| Cash dividends to net income (ytd only)* | 6.0141% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,862 |
| Loan loss allowance to noncurrent loans | 174.2865% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 2,686 |
| Noncurrent loans to loans | 0.5318% | 3,485 |
| Net loans and leases to total assets | 62.0243% | 3,623 |
| Net loans and leases to deposits | 73.5622% | 3,647 |
| Net loans and leases to core deposits | 79.9332% | 3,463 |
| Total domestic deposits to total assets | 84.3155% | 3,152 |
| Equity capital to assets | 15.5109% | 622 |
| Core capital (leverage) ratio | 15.3270% | 550 |
| Tier 1 risk-based capital ratio | 20.0312% | 1,457 |
| Total risk-based capital ratio | 20.8252% | 1,508 |
| Memoranda: | ||
| Average total assets | $1,042,594,670 | 694 |
| Average earning assets | $986,155,000 | 671 |
| Average equity | $158,268,330 | 505 |
| Average total loans | $628,818,000 | 791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,043 |
| Cost of funding earning assets | 0.1274% | 5,768 |
| Net interest margin | 3.6473% | 2,895 |
| Noninterest income to average assets | 0.3977% | 3,848 |
| Noninterest expense to average assets | 1.8651% | 5,573 |
| Loan and lease loss provision to assets | 0.1116% | 1,868 |
| Net operating income to assets | 1.2975% | 1,260 |
| Return on assets (ROA) | 1.2975% | 1,343 |
| Pretax return on assets | 1.8682% | 738 |
| Return on Equity (ROE) | 8.6412% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.1303% | 1,400 |
| Net charge-offs to loans | 0.0110% | 2,753 |
| Credit loss provision to net charge-offs | 1,711.7647% | 237 |
| Earnings coverage of net charge-offs (x) | 303.6471% | 196 |
| Efficiency ratio | 48.5087% | 5,702 |
| Assets per employee ($millions) | 5.1176% | 2,218 |
| Cash dividends to net income (ytd only)* | 5.9119% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,951 |
| Loan loss allowance to noncurrent loans | 186.8888% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 3,127 |
| Noncurrent loans to loans | 0.5987% | 3,383 |
| Net loans and leases to total assets | 59.4602% | 3,856 |
| Net loans and leases to deposits | 70.4580% | 3,815 |
| Net loans and leases to core deposits | 76.6802% | 3,613 |
| Total domestic deposits to total assets | 84.3910% | 3,363 |
| Equity capital to assets | 15.3130% | 632 |
| Core capital (leverage) ratio | 15.2616% | 565 |
| Tier 1 risk-based capital ratio | 20.4347% | 1,416 |
| Total risk-based capital ratio | 21.3755% | 1,453 |
| Memoranda: | ||
| Average total assets | $1,042,943,000 | 693 |
| Average earning assets | $985,712,000 | 669 |
| Average equity | $156,598,500 | 509 |
| Average total loans | $617,089,000 | 806 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,394 |
| Cost of funding earning assets | 0.1283% | 5,829 |
| Net interest margin | 3.5621% | 3,276 |
| Noninterest income to average assets | 0.3143% | 4,645 |
| Noninterest expense to average assets | 2.0071% | 5,441 |
| Loan and lease loss provision to assets | -0.0043% | 5,606 |
| Net operating income to assets | 1.1805% | 1,620 |
| Return on assets (ROA) | 1.1805% | 1,696 |
| Pretax return on assets | 1.6748% | 1,055 |
| Return on Equity (ROE) | 7.7828% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.7048% | 2,643 |
| Net charge-offs to loans | -0.0116% | 5,141 |
| Credit loss provision to net charge-offs | 64.1791% | 3,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5754% | 5,484 |
| Assets per employee ($millions) | 5.3680% | 1,932 |
| Cash dividends to net income (ytd only)* | 39.5490% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 4,094 |
| Loan loss allowance to noncurrent loans | 210.9883% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 3,179 |
| Noncurrent loans to loans | 0.5170% | 3,626 |
| Net loans and leases to total assets | 57.5848% | 4,139 |
| Net loans and leases to deposits | 67.9428% | 4,134 |
| Net loans and leases to core deposits | 74.3050% | 3,909 |
| Total domestic deposits to total assets | 84.7548% | 3,192 |
| Equity capital to assets | 14.7141% | 725 |
| Core capital (leverage) ratio | 14.9732% | 624 |
| Tier 1 risk-based capital ratio | 20.1280% | 1,458 |
| Total risk-based capital ratio | 21.0373% | 1,496 |
| Memoranda: | ||
| Average total assets | $1,006,732,800 | 685 |
| Average earning assets | $950,565,200 | 664 |
| Average equity | $152,694,800 | 497 |
| Average total loans | $579,045,800 | 809 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,504 |
| Cost of funding earning assets | 0.1281% | 5,928 |
| Net interest margin | 3.5470% | 3,351 |
| Noninterest income to average assets | 0.3576% | 4,379 |
| Noninterest expense to average assets | 1.7846% | 5,794 |
| Loan and lease loss provision to assets | -0.0035% | 5,791 |
| Net operating income to assets | 1.3348% | 1,257 |
| Return on assets (ROA) | 1.3348% | 1,308 |
| Pretax return on assets | 1.9252% | 691 |
| Return on Equity (ROE) | 8.7315% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.2057% | 1,163 |
| Net charge-offs to loans | 0.0322% | 3,278 |
| Credit loss provision to net charge-offs | -18.8406% | 4,884 |
| Earnings coverage of net charge-offs (x) | 103.9612% | 600 |
| Efficiency ratio | 48.1496% | 5,862 |
| Assets per employee ($millions) | 4.8574% | 2,478 |
| Cash dividends to net income (ytd only)* | 6.0211% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 4,256 |
| Loan loss allowance to noncurrent loans | 117.7302% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 2,291 |
| Noncurrent loans to loans | 0.9299% | 2,650 |
| Net loans and leases to total assets | 58.6341% | 4,063 |
| Net loans and leases to deposits | 69.7198% | 4,018 |
| Net loans and leases to core deposits | 76.5993% | 3,728 |
| Total domestic deposits to total assets | 84.0996% | 3,383 |
| Equity capital to assets | 15.6629% | 623 |
| Core capital (leverage) ratio | 15.6570% | 539 |
| Tier 1 risk-based capital ratio | 20.8266% | 1,377 |
| Total risk-based capital ratio | 21.7267% | 1,405 |
| Memoranda: | ||
| Average total assets | $995,385,500 | 698 |
| Average earning assets | $939,737,250 | 680 |
| Average equity | $152,166,000 | 502 |
| Average total loans | $570,671,250 | 821 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,654 |
| Cost of funding earning assets | 0.1276% | 5,997 |
| Net interest margin | 3.4964% | 3,517 |
| Noninterest income to average assets | 0.4307% | 3,849 |
| Noninterest expense to average assets | 1.7654% | 5,899 |
| Loan and lease loss provision to assets | -0.0056% | 5,948 |
| Net operating income to assets | 1.3625% | 1,158 |
| Return on assets (ROA) | 1.3625% | 1,203 |
| Pretax return on assets | 1.9699% | 632 |
| Return on Equity (ROE) | 8.9866% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.4556% | 1,097 |
| Net charge-offs to loans | 0.0266% | 3,146 |
| Credit loss provision to net charge-offs | -37.3333% | 4,783 |
| Earnings coverage of net charge-offs (x) | 130.1200% | 482 |
| Efficiency ratio | 47.3341% | 5,993 |
| Assets per employee ($millions) | 4.8416% | 2,490 |
| Cash dividends to net income (ytd only)* | 5.9093% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 4,194 |
| Loan loss allowance to noncurrent loans | 119.3772% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 2,316 |
| Noncurrent loans to loans | 0.9434% | 2,767 |
| Net loans and leases to total assets | 57.6993% | 4,143 |
| Net loans and leases to deposits | 68.4199% | 4,096 |
| Net loans and leases to core deposits | 75.1950% | 3,831 |
| Total domestic deposits to total assets | 84.3311% | 3,428 |
| Equity capital to assets | 15.3966% | 630 |
| Core capital (leverage) ratio | 15.4224% | 552 |
| Tier 1 risk-based capital ratio | 20.9563% | 1,374 |
| Total risk-based capital ratio | 21.8886% | 1,403 |
| Memoranda: | ||
| Average total assets | $993,640,330 | 701 |
| Average earning assets | $937,536,000 | 684 |
| Average equity | $150,646,000 | 509 |
| Average total loans | $563,162,000 | 838 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,807 |
| Cost of funding earning assets | 0.1287% | 6,072 |
| Net interest margin | 3.4291% | 3,722 |
| Noninterest income to average assets | 0.4106% | 3,919 |
| Noninterest expense to average assets | 1.8484% | 5,826 |
| Loan and lease loss provision to assets | -0.0129% | 6,106 |
| Net operating income to assets | 1.2656% | 1,366 |
| Return on assets (ROA) | 1.2656% | 1,448 |
| Pretax return on assets | 1.8085% | 853 |
| Return on Equity (ROE) | 8.4135% | 2,745 |
| Retained earnings to average equity (ytd only) | 7.8773% | 1,614 |
| Net charge-offs to loans | 0.0520% | 2,260 |
| Credit loss provision to net charge-offs | -44.4444% | 4,390 |
| Earnings coverage of net charge-offs (x) | 61.8333% | 721 |
| Efficiency ratio | 50.7250% | 5,869 |
| Assets per employee ($millions) | 4.8485% | 2,564 |
| Cash dividends to net income (ytd only)* | 6.3735% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 4,047 |
| Loan loss allowance to noncurrent loans | 118.8826% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 2,279 |
| Noncurrent loans to loans | 0.9995% | 2,760 |
| Net loans and leases to total assets | 55.1016% | 4,308 |
| Net loans and leases to deposits | 65.2292% | 4,242 |
| Net loans and leases to core deposits | 71.8810% | 3,978 |
| Total domestic deposits to total assets | 84.4738% | 3,626 |
| Equity capital to assets | 15.2468% | 670 |
| Core capital (leverage) ratio | 15.1497% | 585 |
| Tier 1 risk-based capital ratio | 21.0008% | 1,427 |
| Total risk-based capital ratio | 21.9570% | 1,448 |
| Memoranda: | ||
| Average total assets | $991,777,000 | 700 |
| Average earning assets | $935,183,000 | 683 |
| Average equity | $149,188,500 | 514 |
| Average total loans | $553,728,500 | 848 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 4,976 |
| Cost of funding earning assets | 0.1522% | 6,088 |
| Net interest margin | 3.4844% | 3,854 |
| Noninterest income to average assets | 0.4190% | 4,043 |
| Noninterest expense to average assets | 2.0947% | 5,584 |
| Loan and lease loss provision to assets | -0.0016% | 5,884 |
| Net operating income to assets | 1.1443% | 1,796 |
| Return on assets (ROA) | 1.1443% | 1,859 |
| Pretax return on assets | 1.5800% | 1,295 |
| Return on Equity (ROE) | 7.6087% | 3,319 |
| Retained earnings to average equity (ytd only) | 4.5110% | 2,962 |
| Net charge-offs to loans | 0.1774% | 2,253 |
| Credit loss provision to net charge-offs | -1.6009% | 5,289 |
| Earnings coverage of net charge-offs (x) | 16.2711% | 2,023 |
| Efficiency ratio | 57.0281% | 5,562 |
| Assets per employee ($millions) | 4.8748% | 2,499 |
| Cash dividends to net income (ytd only)* | 40.7129% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,017 |
| Loan loss allowance to noncurrent loans | 107.2487% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 2,051 |
| Noncurrent loans to loans | 1.1167% | 2,603 |
| Net loans and leases to total assets | 55.2305% | 4,418 |
| Net loans and leases to deposits | 65.2503% | 4,407 |
| Net loans and leases to core deposits | 71.4075% | 4,177 |
| Total domestic deposits to total assets | 84.6442% | 3,440 |
| Equity capital to assets | 14.8382% | 729 |
| Core capital (leverage) ratio | 14.9176% | 622 |
| Tier 1 risk-based capital ratio | 22.9544% | 1,093 |
| Total risk-based capital ratio | 24.0318% | 1,093 |
| Memoranda: | ||
| Average total assets | $965,902,600 | 696 |
| Average earning assets | $902,076,600 | 680 |
| Average equity | $145,268,200 | 506 |
| Average total loans | $528,330,000 | 836 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,984 |
| Cost of funding earning assets | 0.1566% | 6,145 |
| Net interest margin | 3.4994% | 3,832 |
| Noninterest income to average assets | 0.3851% | 4,353 |
| Noninterest expense to average assets | 1.8522% | 6,023 |
| Loan and lease loss provision to assets | -0.0026% | 6,063 |
| Net operating income to assets | 1.2820% | 1,424 |
| Return on assets (ROA) | 1.2820% | 1,477 |
| Pretax return on assets | 1.7987% | 899 |
| Return on Equity (ROE) | 8.4949% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.9420% | 1,392 |
| Net charge-offs to loans | 0.2097% | 1,795 |
| Credit loss provision to net charge-offs | -2.3171% | 5,208 |
| Earnings coverage of net charge-offs (x) | 15.7499% | 2,032 |
| Efficiency ratio | 50.7700% | 6,064 |
| Assets per employee ($millions) | 4.7523% | 2,588 |
| Cash dividends to net income (ytd only)* | 6.5083% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,852 |
| Loan loss allowance to noncurrent loans | 85.7722% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 1,981 |
| Noncurrent loans to loans | 1.4747% | 2,205 |
| Net loans and leases to total assets | 55.0497% | 4,455 |
| Net loans and leases to deposits | 65.4120% | 4,394 |
| Net loans and leases to core deposits | 72.4589% | 4,104 |
| Total domestic deposits to total assets | 84.1585% | 3,699 |
| Equity capital to assets | 15.5808% | 618 |
| Core capital (leverage) ratio | 15.5886% | 528 |
| Tier 1 risk-based capital ratio | 23.9331% | 996 |
| Total risk-based capital ratio | 25.0595% | 994 |
| Memoranda: | ||
| Average total assets | $958,764,000 | 701 |
| Average earning assets | $894,031,250 | 689 |
| Average equity | $144,695,250 | 508 |
| Average total loans | $521,437,000 | 849 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 5,120 |
| Cost of funding earning assets | 0.1620% | 6,178 |
| Net interest margin | 3.4489% | 3,983 |
| Noninterest income to average assets | 0.3867% | 4,345 |
| Noninterest expense to average assets | 1.8283% | 6,104 |
| Loan and lease loss provision to assets | -0.0061% | 6,220 |
| Net operating income to assets | 1.2684% | 1,401 |
| Return on assets (ROA) | 1.2684% | 1,455 |
| Pretax return on assets | 1.7757% | 886 |
| Return on Equity (ROE) | 8.4965% | 2,838 |
| Retained earnings to average equity (ytd only) | 7.9374% | 1,348 |
| Net charge-offs to loans | 0.3800% | 1,066 |
| Credit loss provision to net charge-offs | -2.9532% | 5,055 |
| Earnings coverage of net charge-offs (x) | 8.6354% | 2,464 |
| Efficiency ratio | 50.8149% | 6,134 |
| Assets per employee ($millions) | 4.7356% | 2,562 |
| Cash dividends to net income (ytd only)* | 6.5811% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,392 |
| Loan loss allowance to noncurrent loans | 79.4461% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 1,964 |
| Noncurrent loans to loans | 1.5193% | 2,288 |
| Net loans and leases to total assets | 56.4541% | 4,210 |
| Net loans and leases to deposits | 66.8413% | 4,181 |
| Net loans and leases to core deposits | 73.8646% | 3,852 |
| Total domestic deposits to total assets | 84.4600% | 3,744 |
| Equity capital to assets | 15.3044% | 640 |
| Core capital (leverage) ratio | 15.3379% | 551 |
| Tier 1 risk-based capital ratio | 23.0245% | 1,104 |
| Total risk-based capital ratio | 24.1044% | 1,116 |
| Memoranda: | ||
| Average total assets | $958,364,330 | 702 |
| Average earning assets | $892,346,000 | 682 |
| Average equity | $143,070,330 | 511 |
| Average total loans | $516,840,330 | 854 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 5,300 |
| Cost of funding earning assets | 0.1671% | 6,247 |
| Net interest margin | 3.3817% | 4,214 |
| Noninterest income to average assets | 0.3920% | 4,257 |
| Noninterest expense to average assets | 1.7222% | 6,320 |
| Loan and lease loss provision to assets | -0.0050% | 6,381 |
| Net operating income to assets | 1.2956% | 1,231 |
| Return on assets (ROA) | 1.2956% | 1,277 |
| Pretax return on assets | 1.8218% | 775 |
| Return on Equity (ROE) | 8.7889% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.2232% | 1,522 |
| Net charge-offs to loans | 0.7714% | 448 |
| Credit loss provision to net charge-offs | -1.2397% | 4,635 |
| Earnings coverage of net charge-offs (x) | 4.5010% | 2,518 |
| Efficiency ratio | 48.6627% | 6,326 |
| Assets per employee ($millions) | 4.6182% | 2,779 |
| Cash dividends to net income (ytd only)* | 6.4371% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 3,922 |
| Loan loss allowance to noncurrent loans | 99.4898% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.5276% | 2,316 |
| Noncurrent loans to loans | 1.3426% | 2,796 |
| Net loans and leases to total assets | 51.2294% | 4,761 |
| Net loans and leases to deposits | 60.4567% | 4,718 |
| Net loans and leases to core deposits | 66.9348% | 4,409 |
| Total domestic deposits to total assets | 84.7374% | 3,980 |
| Equity capital to assets | 14.9775% | 679 |
| Core capital (leverage) ratio | 15.0368% | 600 |
| Tier 1 risk-based capital ratio | 24.6115% | 925 |
| Total risk-based capital ratio | 25.7910% | 918 |
| Memoranda: | ||
| Average total assets | $959,248,500 | 707 |
| Average earning assets | $892,691,000 | 688 |
| Average equity | $141,405,000 | 516 |
| Average total loans | $501,942,500 | 882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,790 |
| Cost of funding earning assets | 0.2060% | 6,252 |
| Net interest margin | 3.6020% | 3,460 |
| Noninterest income to average assets | 0.3478% | 4,831 |
| Noninterest expense to average assets | 2.0858% | 5,860 |
| Loan and lease loss provision to assets | 0.0541% | 4,059 |
| Net operating income to assets | 1.1399% | 1,794 |
| Return on assets (ROA) | 1.1400% | 1,857 |
| Pretax return on assets | 1.5571% | 1,278 |
| Return on Equity (ROE) | 7.8423% | 3,118 |
| Retained earnings to average equity (ytd only) | 4.7432% | 2,782 |
| Net charge-offs to loans | 0.0839% | 4,035 |
| Credit loss provision to net charge-offs | 121.4118% | 1,959 |
| Earnings coverage of net charge-offs (x) | 36.1812% | 1,034 |
| Efficiency ratio | 56.4206% | 5,904 |
| Assets per employee ($millions) | 4.7183% | 2,560 |
| Cash dividends to net income (ytd only)* | 39.5184% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 3,200 |
| Loan loss allowance to noncurrent loans | 111.2590% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.5449% | 2,412 |
| Noncurrent loans to loans | 1.3475% | 2,884 |
| Net loans and leases to total assets | 51.9371% | 4,862 |
| Net loans and leases to deposits | 61.1326% | 4,816 |
| Net loans and leases to core deposits | 67.8456% | 4,532 |
| Total domestic deposits to total assets | 84.9580% | 3,771 |
| Equity capital to assets | 14.5066% | 783 |
| Core capital (leverage) ratio | 14.6430% | 655 |
| Tier 1 risk-based capital ratio | 23.6259% | 1,000 |
| Total risk-based capital ratio | 24.8752% | 985 |
| Memoranda: | ||
| Average total assets | $954,467,400 | 695 |
| Average earning assets | $887,427,400 | 674 |
| Average equity | $138,747,200 | 523 |
| Average total loans | $506,492,800 | 842 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 4,654 |
| Cost of funding earning assets | 0.2138% | 6,330 |
| Net interest margin | 3.6416% | 3,273 |
| Noninterest income to average assets | 0.3224% | 5,107 |
| Noninterest expense to average assets | 1.8877% | 6,202 |
| Loan and lease loss provision to assets | 0.0727% | 3,608 |
| Net operating income to assets | 1.2557% | 1,469 |
| Return on assets (ROA) | 1.2558% | 1,538 |
| Pretax return on assets | 1.7511% | 990 |
| Return on Equity (ROE) | 8.6345% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.0570% | 1,388 |
| Net charge-offs to loans | 0.0798% | 3,812 |
| Credit loss provision to net charge-offs | 171.2871% | 1,395 |
| Earnings coverage of net charge-offs (x) | 42.9934% | 958 |
| Efficiency ratio | 50.8638% | 6,345 |
| Assets per employee ($millions) | 4.4911% | 2,895 |
| Cash dividends to net income (ytd only)* | 6.6882% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 3,382 |
| Loan loss allowance to noncurrent loans | 108.6553% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6848% | 2,446 |
| Noncurrent loans to loans | 1.3972% | 3,076 |
| Net loans and leases to total assets | 53.4429% | 4,694 |
| Net loans and leases to deposits | 63.1088% | 4,615 |
| Net loans and leases to core deposits | 70.4109% | 4,278 |
| Total domestic deposits to total assets | 84.6837% | 3,891 |
| Equity capital to assets | 15.0709% | 701 |
| Core capital (leverage) ratio | 15.1683% | 614 |
| Tier 1 risk-based capital ratio | 23.8919% | 1,020 |
| Total risk-based capital ratio | 25.1322% | 1,004 |
| Memoranda: | ||
| Average total assets | $952,450,750 | 696 |
| Average earning assets | $886,359,500 | 676 |
| Average equity | $138,526,250 | 527 |
| Average total loans | $506,235,750 | 838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,731 |
| Cost of funding earning assets | 0.2230% | 6,352 |
| Net interest margin | 3.6066% | 3,331 |
| Noninterest income to average assets | 0.4113% | 4,436 |
| Noninterest expense to average assets | 1.8889% | 6,242 |
| Loan and lease loss provision to assets | 0.1066% | 3,017 |
| Net operating income to assets | 1.2729% | 1,393 |
| Return on assets (ROA) | 1.2729% | 1,493 |
| Pretax return on assets | 1.7746% | 974 |
| Return on Equity (ROE) | 8.8565% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.2749% | 1,376 |
| Net charge-offs to loans | 0.0851% | 3,514 |
| Credit loss provision to net charge-offs | 237.2093% | 1,055 |
| Earnings coverage of net charge-offs (x) | 41.8698% | 902 |
| Efficiency ratio | 50.1025% | 6,425 |
| Assets per employee ($millions) | 4.5642% | 2,711 |
| Cash dividends to net income (ytd only)* | 6.5671% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,572 |
| Loan loss allowance to noncurrent loans | 100.1025% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 2,226 |
| Noncurrent loans to loans | 1.5025% | 3,051 |
| Net loans and leases to total assets | 54.6851% | 4,497 |
| Net loans and leases to deposits | 64.4439% | 4,446 |
| Net loans and leases to core deposits | 72.0093% | 4,035 |
| Total domestic deposits to total assets | 84.8568% | 3,960 |
| Equity capital to assets | 14.8710% | 738 |
| Core capital (leverage) ratio | 14.8038% | 643 |
| Tier 1 risk-based capital ratio | 22.8238% | 1,161 |
| Total risk-based capital ratio | 24.0756% | 1,143 |
| Memoranda: | ||
| Average total assets | $957,055,670 | 692 |
| Average earning assets | $891,315,000 | 670 |
| Average equity | $137,548,000 | 532 |
| Average total loans | $505,192,000 | 838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7854% | 4,872 |
| Cost of funding earning assets | 0.2352% | 6,378 |
| Net interest margin | 3.5502% | 3,478 |
| Noninterest income to average assets | 0.3736% | 4,677 |
| Noninterest expense to average assets | 1.8129% | 6,420 |
| Loan and lease loss provision to assets | 0.2149% | 1,728 |
| Net operating income to assets | 1.1916% | 1,546 |
| Return on assets (ROA) | 1.1916% | 1,659 |
| Pretax return on assets | 1.6463% | 1,197 |
| Return on Equity (ROE) | 8.4328% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.8478% | 1,804 |
| Net charge-offs to loans | 0.0900% | 2,941 |
| Credit loss provision to net charge-offs | 464.2857% | 570 |
| Earnings coverage of net charge-offs (x) | 40.2054% | 787 |
| Efficiency ratio | 49.3419% | 6,543 |
| Assets per employee ($millions) | 4.6735% | 2,694 |
| Cash dividends to net income (ytd only)* | 6.9372% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 3,295 |
| Loan loss allowance to noncurrent loans | 107.4420% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 2,678 |
| Noncurrent loans to loans | 1.5124% | 3,284 |
| Net loans and leases to total assets | 50.0860% | 4,981 |
| Net loans and leases to deposits | 58.8007% | 4,939 |
| Net loans and leases to core deposits | 65.9800% | 4,533 |
| Total domestic deposits to total assets | 85.1792% | 3,957 |
| Equity capital to assets | 14.3978% | 908 |
| Core capital (leverage) ratio | 14.2957% | 716 |
| Tier 1 risk-based capital ratio | 23.6850% | 1,063 |
| Total risk-based capital ratio | 24.9385% | 1,048 |
| Memoranda: | ||
| Average total assets | $967,752,000 | 687 |
| Average earning assets | $899,671,500 | 669 |
| Average equity | $136,751,000 | 545 |
| Average total loans | $498,047,500 | 853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 4,892 |
| Cost of funding earning assets | 0.3603% | 6,160 |
| Net interest margin | 3.7554% | 3,416 |
| Noninterest income to average assets | 0.4047% | 4,567 |
| Noninterest expense to average assets | 2.1871% | 5,950 |
| Loan and lease loss provision to assets | 0.5693% | 990 |
| Net operating income to assets | 0.8988% | 2,825 |
| Return on assets (ROA) | 0.8993% | 3,063 |
| Pretax return on assets | 1.1497% | 2,989 |
| Return on Equity (ROE) | 5.9175% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.9353% | 4,160 |
| Net charge-offs to loans | 0.9090% | 1,251 |
| Credit loss provision to net charge-offs | 118.7707% | 2,418 |
| Earnings coverage of net charge-offs (x) | 3.5851% | 3,672 |
| Efficiency ratio | 56.0014% | 6,058 |
| Assets per employee ($millions) | 4.8150% | 2,469 |
| Cash dividends to net income (ytd only)* | 50.3969% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 3,834 |
| Loan loss allowance to noncurrent loans | 86.7729% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.7357% | 2,791 |
| Noncurrent loans to loans | 1.7045% | 3,061 |
| Net loans and leases to total assets | 51.2354% | 5,006 |
| Net loans and leases to deposits | 59.5951% | 5,066 |
| Net loans and leases to core deposits | 67.0769% | 4,637 |
| Total domestic deposits to total assets | 85.9726% | 3,371 |
| Equity capital to assets | 13.8690% | 1,094 |
| Core capital (leverage) ratio | 13.9870% | 808 |
| Tier 1 risk-based capital ratio | 22.0849% | 1,252 |
| Total risk-based capital ratio | 23.3366% | 1,218 |
| Memoranda: | ||
| Average total assets | $882,550,200 | 745 |
| Average earning assets | $822,676,200 | 727 |
| Average equity | $134,127,200 | 537 |
| Average total loans | $465,355,400 | 884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 4,969 |
| Cost of funding earning assets | 0.3910% | 6,166 |
| Net interest margin | 3.7635% | 3,493 |
| Noninterest income to average assets | 0.4546% | 4,252 |
| Noninterest expense to average assets | 2.0193% | 6,323 |
| Loan and lease loss provision to assets | 0.7101% | 713 |
| Net operating income to assets | 0.9624% | 2,694 |
| Return on assets (ROA) | 0.9624% | 2,907 |
| Pretax return on assets | 1.2446% | 2,805 |
| Return on Equity (ROE) | 6.1787% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.5806% | 2,980 |
| Net charge-offs to loans | 1.1608% | 864 |
| Credit loss provision to net charge-offs | 115.5634% | 2,517 |
| Earnings coverage of net charge-offs (x) | 3.1812% | 3,758 |
| Efficiency ratio | 50.8126% | 6,530 |
| Assets per employee ($millions) | 4.6331% | 2,697 |
| Cash dividends to net income (ytd only)* | 9.6790% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 4,073 |
| Loan loss allowance to noncurrent loans | 72.6086% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.9826% | 2,670 |
| Noncurrent loans to loans | 2.0225% | 2,821 |
| Net loans and leases to total assets | 52.6238% | 4,962 |
| Net loans and leases to deposits | 61.9374% | 4,974 |
| Net loans and leases to core deposits | 70.2803% | 4,473 |
| Total domestic deposits to total assets | 84.9629% | 3,760 |
| Equity capital to assets | 14.6779% | 917 |
| Core capital (leverage) ratio | 14.8792% | 631 |
| Tier 1 risk-based capital ratio | 22.7057% | 1,220 |
| Total risk-based capital ratio | 23.9719% | 1,198 |
| Memoranda: | ||
| Average total assets | $858,828,500 | 770 |
| Average earning assets | $803,124,500 | 747 |
| Average equity | $133,768,750 | 542 |
| Average total loans | $454,616,250 | 915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 5,132 |
| Cost of funding earning assets | 0.4227% | 6,145 |
| Net interest margin | 3.7269% | 3,697 |
| Noninterest income to average assets | 0.3390% | 5,114 |
| Noninterest expense to average assets | 1.9850% | 6,463 |
| Loan and lease loss provision to assets | 1.0980% | 391 |
| Net operating income to assets | 0.6551% | 4,084 |
| Return on assets (ROA) | 0.6551% | 4,346 |
| Pretax return on assets | 0.7437% | 4,685 |
| Return on Equity (ROE) | 4.1171% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.5136% | 4,255 |
| Net charge-offs to loans | 1.7973% | 493 |
| Credit loss provision to net charge-offs | 115.7975% | 2,371 |
| Earnings coverage of net charge-offs (x) | 1.9423% | 4,005 |
| Efficiency ratio | 51.8725% | 6,512 |
| Assets per employee ($millions) | 4.2768% | 3,295 |
| Cash dividends to net income (ytd only)* | 14.6574% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,417 |
| Loan loss allowance to noncurrent loans | 80.2008% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.1022% | 2,663 |
| Noncurrent loans to loans | 2.0616% | 2,875 |
| Net loans and leases to total assets | 52.6791% | 5,012 |
| Net loans and leases to deposits | 63.0102% | 4,879 |
| Net loans and leases to core deposits | 72.5601% | 4,235 |
| Total domestic deposits to total assets | 83.6041% | 4,484 |
| Equity capital to assets | 16.1278% | 554 |
| Core capital (leverage) ratio | 15.8797% | 474 |
| Tier 1 risk-based capital ratio | 24.8443% | 916 |
| Total risk-based capital ratio | 26.0832% | 903 |
| Memoranda: | ||
| Average total assets | $833,143,670 | 795 |
| Average earning assets | $779,677,000 | 771 |
| Average equity | $132,569,000 | 543 |
| Average total loans | $439,542,670 | 947 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 5,318 |
| Cost of funding earning assets | 0.4502% | 6,141 |
| Net interest margin | 3.6895% | 3,875 |
| Noninterest income to average assets | 0.4365% | 4,403 |
| Noninterest expense to average assets | 1.9716% | 6,517 |
| Loan and lease loss provision to assets | 1.1810% | 329 |
| Net operating income to assets | 0.6291% | 4,223 |
| Return on assets (ROA) | 0.6291% | 4,433 |
| Pretax return on assets | 0.7350% | 4,673 |
| Return on Equity (ROE) | 3.9804% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.4953% | 4,482 |
| Net charge-offs to loans | 2.8817% | 259 |
| Credit loss provision to net charge-offs | 78.2788% | 2,757 |
| Earnings coverage of net charge-offs (x) | 1.2699% | 3,695 |
| Efficiency ratio | 50.7148% | 6,626 |
| Assets per employee ($millions) | 4.5962% | 2,813 |
| Cash dividends to net income (ytd only)* | 12.1858% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,572 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 2.4042% | 2,462 |
| Noncurrent loans to loans | 2.6424% | 2,461 |
| Net loans and leases to total assets | 50.5137% | 5,231 |
| Net loans and leases to deposits | 60.1298% | 5,130 |
| Net loans and leases to core deposits | 68.7969% | 4,590 |
| Total domestic deposits to total assets | 84.0078% | 4,488 |
| Equity capital to assets | 15.8154% | 604 |
| Core capital (leverage) ratio | 15.7852% | 492 |
| Tier 1 risk-based capital ratio | 25.6345% | 841 |
| Total risk-based capital ratio | 26.8578% | 821 |
| Memoranda: | ||
| Average total assets | $834,870,000 | 795 |
| Average earning assets | $780,916,500 | 772 |
| Average equity | $131,948,000 | 543 |
| Average total loans | $437,103,000 | 952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 5,129 |
| Cost of funding earning assets | 0.5526% | 6,327 |
| Net interest margin | 3.9351% | 3,183 |
| Noninterest income to average assets | 0.2763% | 5,556 |
| Noninterest expense to average assets | 2.1075% | 6,482 |
| Loan and lease loss provision to assets | 0.9884% | 963 |
| Net operating income to assets | 0.7197% | 3,388 |
| Return on assets (ROA) | 0.7197% | 3,562 |
| Pretax return on assets | 0.8569% | 3,755 |
| Return on Equity (ROE) | 4.3848% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.3819% | 4,529 |
| Net charge-offs to loans | 1.7216% | 881 |
| Credit loss provision to net charge-offs | 100.2951% | 3,488 |
| Earnings coverage of net charge-offs (x) | 1.8725% | 4,371 |
| Efficiency ratio | 53.3171% | 6,574 |
| Assets per employee ($millions) | 4.5040% | 2,904 |
| Cash dividends to net income (ytd only)* | 45.6781% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,979 |
| Loan loss allowance to noncurrent loans | 40.5353% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 2.8166% | 2,143 |
| Noncurrent loans to loans | 3.7225% | 1,691 |
| Net loans and leases to total assets | 52.6733% | 5,207 |
| Net loans and leases to deposits | 62.8293% | 5,140 |
| Net loans and leases to core deposits | 72.4029% | 4,454 |
| Total domestic deposits to total assets | 83.8356% | 4,392 |
| Equity capital to assets | 15.7938% | 614 |
| Core capital (leverage) ratio | 15.9211% | 470 |
| Tier 1 risk-based capital ratio | 23.4297% | 1,042 |
| Total risk-based capital ratio | 24.6758% | 1,021 |
| Memoranda: | ||
| Average total assets | $790,908,200 | 830 |
| Average earning assets | $738,920,400 | 805 |
| Average equity | $129,811,400 | 534 |
| Average total loans | $452,711,800 | 922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 5,056 |
| Cost of funding earning assets | 0.5709% | 6,426 |
| Net interest margin | 3.9859% | 2,973 |
| Noninterest income to average assets | 0.2636% | 5,731 |
| Noninterest expense to average assets | 1.9523% | 6,778 |
| Loan and lease loss provision to assets | 1.1986% | 653 |
| Net operating income to assets | 0.7134% | 3,537 |
| Return on assets (ROA) | 0.7135% | 3,713 |
| Pretax return on assets | 0.8388% | 3,986 |
| Return on Equity (ROE) | 4.3040% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.6856% | 4,122 |
| Net charge-offs to loans | 1.6458% | 850 |
| Credit loss provision to net charge-offs | 125.0446% | 2,564 |
| Earnings coverage of net charge-offs (x) | 2.1253% | 4,073 |
| Efficiency ratio | 48.9357% | 6,891 |
| Assets per employee ($millions) | 4.3697% | 3,136 |
| Cash dividends to net income (ytd only)* | 14.3678% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,987 |
| Loan loss allowance to noncurrent loans | 39.1225% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 2.9940% | 2,144 |
| Noncurrent loans to loans | 4.5694% | 1,413 |
| Net loans and leases to total assets | 55.6837% | 4,889 |
| Net loans and leases to deposits | 66.8173% | 4,784 |
| Net loans and leases to core deposits | 77.5537% | 3,972 |
| Total domestic deposits to total assets | 83.3374% | 4,539 |
| Equity capital to assets | 16.4934% | 545 |
| Core capital (leverage) ratio | 16.5950% | 433 |
| Tier 1 risk-based capital ratio | 23.2816% | 1,110 |
| Total risk-based capital ratio | 24.5306% | 1,092 |
| Memoranda: | ||
| Average total assets | $780,325,750 | 849 |
| Average earning assets | $729,417,500 | 824 |
| Average equity | $129,364,250 | 544 |
| Average total loans | $454,485,250 | 936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 5,160 |
| Cost of funding earning assets | 0.5827% | 6,531 |
| Net interest margin | 3.9712% | 2,986 |
| Noninterest income to average assets | 0.1372% | 6,639 |
| Noninterest expense to average assets | 1.9530% | 6,870 |
| Loan and lease loss provision to assets | 1.1340% | 707 |
| Net operating income to assets | 0.6761% | 3,661 |
| Return on assets (ROA) | 0.6761% | 3,779 |
| Pretax return on assets | 0.7717% | 4,134 |
| Return on Equity (ROE) | 4.0709% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.4484% | 4,063 |
| Net charge-offs to loans | 2.1581% | 598 |
| Credit loss provision to net charge-offs | 89.4051% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.5024% | 4,163 |
| Efficiency ratio | 50.6128% | 6,898 |
| Assets per employee ($millions) | 4.0233% | 3,706 |
| Cash dividends to net income (ytd only)* | 15.2905% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,839 |
| Loan loss allowance to noncurrent loans | 34.6546% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 2.8251% | 2,376 |
| Noncurrent loans to loans | 3.8914% | 1,786 |
| Net loans and leases to total assets | 58.5348% | 4,537 |
| Net loans and leases to deposits | 70.5143% | 4,365 |
| Net loans and leases to core deposits | 82.6917% | 3,406 |
| Total domestic deposits to total assets | 83.0112% | 4,748 |
| Equity capital to assets | 16.8102% | 504 |
| Core capital (leverage) ratio | 16.5378% | 446 |
| Tier 1 risk-based capital ratio | 22.8751% | 1,138 |
| Total risk-based capital ratio | 24.0076% | 1,136 |
| Memoranda: | ||
| Average total assets | $773,882,000 | 864 |
| Average earning assets | $725,221,000 | 835 |
| Average equity | $128,522,000 | 547 |
| Average total loans | $454,852,330 | 954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 5,027 |
| Cost of funding earning assets | 0.5917% | 6,637 |
| Net interest margin | 3.9881% | 2,733 |
| Noninterest income to average assets | 0.4973% | 3,916 |
| Noninterest expense to average assets | 1.8761% | 7,033 |
| Loan and lease loss provision to assets | 1.0261% | 733 |
| Net operating income to assets | 1.0137% | 2,146 |
| Return on assets (ROA) | 1.0137% | 2,193 |
| Pretax return on assets | 1.3261% | 1,956 |
| Return on Equity (ROE) | 6.1413% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,905 |
| Net charge-offs to loans | 0.3761% | 2,566 |
| Credit loss provision to net charge-offs | 466.4319% | 758 |
| Earnings coverage of net charge-offs (x) | 10.6925% | 1,614 |
| Efficiency ratio | 44.3698% | 7,270 |
| Assets per employee ($millions) | 4.0637% | 3,709 |
| Cash dividends to net income (ytd only)* | 10.1885% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 2,787 |
| Loan loss allowance to noncurrent loans | 39.1556% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.4204% | 1,991 |
| Noncurrent loans to loans | 4.7793% | 1,430 |
| Net loans and leases to total assets | 56.1176% | 4,976 |
| Net loans and leases to deposits | 67.6690% | 4,720 |
| Net loans and leases to core deposits | 79.1528% | 3,858 |
| Total domestic deposits to total assets | 82.9295% | 4,959 |
| Equity capital to assets | 16.7038% | 477 |
| Core capital (leverage) ratio | 16.6341% | 427 |
| Tier 1 risk-based capital ratio | 23.5201% | 1,022 |
| Total risk-based capital ratio | 24.7706% | 1,002 |
| Memoranda: | ||
| Average total assets | $774,588,000 | 872 |
| Average earning assets | $724,660,000 | 844 |
| Average equity | $127,856,000 | 546 |
| Average total loans | $453,106,000 | 966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 3,932 |
| Cost of funding earning assets | 0.7062% | 6,868 |
| Net interest margin | 4.4281% | 1,405 |
| Noninterest income to average assets | 0.6517% | 3,140 |
| Noninterest expense to average assets | 2.4108% | 6,070 |
| Loan and lease loss provision to assets | 0.7787% | 2,104 |
| Net operating income to assets | 1.1043% | 1,695 |
| Return on assets (ROA) | 1.1045% | 1,764 |
| Pretax return on assets | 1.5068% | 1,356 |
| Return on Equity (ROE) | 6.6364% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.9909% | 3,753 |
| Net charge-offs to loans | 1.6908% | 1,284 |
| Credit loss provision to net charge-offs | 73.2506% | 5,784 |
| Earnings coverage of net charge-offs (x) | 2.1496% | 4,109 |
| Efficiency ratio | 51.3356% | 7,038 |
| Assets per employee ($millions) | 4.2004% | 3,380 |
| Cash dividends to net income (ytd only)* | 54.9319% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,324 |
| Loan loss allowance to noncurrent loans | 31.1703% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 3.4785% | 1,999 |
| Noncurrent loans to loans | 4.6266% | 1,513 |
| Net loans and leases to total assets | 58.9343% | 4,860 |
| Net loans and leases to deposits | 71.0876% | 4,672 |
| Net loans and leases to core deposits | 83.4041% | 3,686 |
| Total domestic deposits to total assets | 82.9039% | 4,835 |
| Equity capital to assets | 16.3101% | 540 |
| Core capital (leverage) ratio | 16.3746% | 466 |
| Tier 1 risk-based capital ratio | 22.2790% | 1,137 |
| Total risk-based capital ratio | 23.5262% | 1,114 |
| Memoranda: | ||
| Average total assets | $758,145,000 | 889 |
| Average earning assets | $692,439,000 | 885 |
| Average equity | $126,182,400 | 538 |
| Average total loans | $476,706,400 | 944 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 3,888 |
| Cost of funding earning assets | 0.7293% | 6,974 |
| Net interest margin | 4.4598% | 1,346 |
| Noninterest income to average assets | 0.4619% | 4,474 |
| Noninterest expense to average assets | 2.2631% | 6,427 |
| Loan and lease loss provision to assets | 0.7764% | 1,968 |
| Net operating income to assets | 1.0829% | 1,955 |
| Return on assets (ROA) | 1.0829% | 2,065 |
| Pretax return on assets | 1.4701% | 1,690 |
| Return on Equity (ROE) | 6.4728% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.8381% | 2,454 |
| Net charge-offs to loans | 1.1987% | 1,701 |
| Credit loss provision to net charge-offs | 101.7157% | 4,237 |
| Earnings coverage of net charge-offs (x) | 2.9432% | 3,660 |
| Efficiency ratio | 50.1844% | 7,135 |
| Assets per employee ($millions) | 4.1300% | 3,596 |
| Cash dividends to net income (ytd only)* | 9.8055% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 2,693 |
| Loan loss allowance to noncurrent loans | 32.9290% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 4.2031% | 1,630 |
| Noncurrent loans to loans | 5.5493% | 1,190 |
| Net loans and leases to total assets | 63.4862% | 4,222 |
| Net loans and leases to deposits | 77.4286% | 3,935 |
| Net loans and leases to core deposits | 91.4814% | 2,878 |
| Total domestic deposits to total assets | 81.9933% | 4,995 |
| Equity capital to assets | 17.1461% | 503 |
| Core capital (leverage) ratio | 17.1084% | 424 |
| Tier 1 risk-based capital ratio | 21.9581% | 1,212 |
| Total risk-based capital ratio | 23.2101% | 1,187 |
| Memoranda: | ||
| Average total assets | $753,413,750 | 894 |
| Average earning assets | $683,786,000 | 900 |
| Average equity | $126,042,750 | 529 |
| Average total loans | $479,717,500 | 942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 4,344 |
| Cost of funding earning assets | 0.7380% | 7,101 |
| Net interest margin | 4.3827% | 1,498 |
| Noninterest income to average assets | 0.5060% | 4,065 |
| Noninterest expense to average assets | 2.5008% | 5,716 |
| Loan and lease loss provision to assets | 0.7467% | 1,938 |
| Net operating income to assets | 0.9469% | 2,379 |
| Return on assets (ROA) | 0.9471% | 2,467 |
| Pretax return on assets | 1.2577% | 2,233 |
| Return on Equity (ROE) | 5.7087% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.0680% | 2,867 |
| Net charge-offs to loans | 0.9410% | 1,954 |
| Credit loss provision to net charge-offs | 125.2786% | 3,223 |
| Earnings coverage of net charge-offs (x) | 3.3625% | 3,358 |
| Efficiency ratio | 55.5123% | 6,699 |
| Assets per employee ($millions) | 4.0143% | 3,747 |
| Cash dividends to net income (ytd only)* | 11.2233% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 2,330 |
| Loan loss allowance to noncurrent loans | 36.9583% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 4.1213% | 1,651 |
| Noncurrent loans to loans | 5.2370% | 1,295 |
| Net loans and leases to total assets | 63.9479% | 4,277 |
| Net loans and leases to deposits | 77.6412% | 4,057 |
| Net loans and leases to core deposits | 91.4519% | 3,068 |
| Total domestic deposits to total assets | 82.3634% | 4,844 |
| Equity capital to assets | 16.9594% | 531 |
| Core capital (leverage) ratio | 16.8027% | 463 |
| Tier 1 risk-based capital ratio | 21.6533% | 1,249 |
| Total risk-based capital ratio | 22.9067% | 1,226 |
| Memoranda: | ||
| Average total assets | $752,624,670 | 900 |
| Average earning assets | $686,746,670 | 901 |
| Average equity | $124,861,330 | 532 |
| Average total loans | $476,707,330 | 964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 4,952 |
| Cost of funding earning assets | 0.7375% | 7,256 |
| Net interest margin | 4.2770% | 1,763 |
| Noninterest income to average assets | 0.4494% | 4,470 |
| Noninterest expense to average assets | 3.0428% | 3,510 |
| Loan and lease loss provision to assets | 1.0847% | 1,135 |
| Net operating income to assets | 0.3261% | 5,187 |
| Return on assets (ROA) | 0.3261% | 5,317 |
| Pretax return on assets | 0.2271% | 5,805 |
| Return on Equity (ROE) | 1.9875% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.3422% | 5,275 |
| Net charge-offs to loans | 1.2485% | 1,362 |
| Credit loss provision to net charge-offs | 139.1984% | 2,540 |
| Earnings coverage of net charge-offs (x) | 1.6834% | 3,725 |
| Efficiency ratio | 69.8760% | 4,330 |
| Assets per employee ($millions) | 4.0546% | 3,744 |
| Cash dividends to net income (ytd only)* | 32.4675% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 2,065 |
| Loan loss allowance to noncurrent loans | 37.7179% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 4.0240% | 1,704 |
| Noncurrent loans to loans | 5.4325% | 1,299 |
| Net loans and leases to total assets | 60.1224% | 5,101 |
| Net loans and leases to deposits | 72.4982% | 4,986 |
| Net loans and leases to core deposits | 84.5336% | 4,129 |
| Total domestic deposits to total assets | 82.9295% | 4,663 |
| Equity capital to assets | 16.5559% | 593 |
| Core capital (leverage) ratio | 16.4830% | 510 |
| Tier 1 risk-based capital ratio | 22.0050% | 1,202 |
| Total risk-based capital ratio | 23.2590% | 1,185 |
| Memoranda: | ||
| Average total assets | $755,607,500 | 918 |
| Average earning assets | $689,927,500 | 916 |
| Average equity | $123,977,500 | 542 |
| Average total loans | $471,612,500 | 999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 5,243 |
| Cost of funding earning assets | 0.9175% | 7,369 |
| Net interest margin | 4.3703% | 1,515 |
| Noninterest income to average assets | 0.4976% | 4,431 |
| Noninterest expense to average assets | 2.0812% | 7,221 |
| Loan and lease loss provision to assets | 1.2070% | 1,906 |
| Net operating income to assets | 0.9455% | 2,020 |
| Return on assets (ROA) | 0.9453% | 2,078 |
| Pretax return on assets | 1.2481% | 1,831 |
| Return on Equity (ROE) | 5.8097% | 3,291 |
| Retained earnings to average equity (ytd only) | 2.8751% | 3,167 |
| Net charge-offs to loans | 1.2764% | 1,943 |
| Credit loss provision to net charge-offs | 150.2890% | 3,089 |
| Earnings coverage of net charge-offs (x) | 3.0573% | 3,543 |
| Efficiency ratio | 45.8761% | 7,717 |
| Assets per employee ($millions) | 4.2284% | 3,382 |
| Cash dividends to net income (ytd only)* | 50.5121% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 2,436 |
| Loan loss allowance to noncurrent loans | 33.6986% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 4.1431% | 1,578 |
| Noncurrent loans to loans | 5.4437% | 1,197 |
| Net loans and leases to total assets | 62.2713% | 4,933 |
| Net loans and leases to deposits | 74.8817% | 4,897 |
| Net loans and leases to core deposits | 99.4463% | 4,054 |
| Total domestic deposits to total assets | 83.1595% | 4,446 |
| Equity capital to assets | 16.2616% | 663 |
| Core capital (leverage) ratio | 16.5126% | 551 |
| Tier 1 risk-based capital ratio | 20.6063% | 1,358 |
| Total risk-based capital ratio | 21.8576% | 1,326 |
| Memoranda: | ||
| Average total assets | $753,956,000 | 909 |
| Average earning assets | $696,768,400 | 895 |
| Average equity | $122,674,200 | 540 |
| Average total loans | $474,380,400 | 1,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 5,321 |
| Cost of funding earning assets | 0.9694% | 7,447 |
| Net interest margin | 4.3512% | 1,584 |
| Noninterest income to average assets | 0.4999% | 4,479 |
| Noninterest expense to average assets | 1.8499% | 7,610 |
| Loan and lease loss provision to assets | 1.3472% | 1,435 |
| Net operating income to assets | 0.9746% | 2,149 |
| Return on assets (ROA) | 0.9746% | 2,203 |
| Pretax return on assets | 1.3183% | 1,914 |
| Return on Equity (ROE) | 5.9889% | 3,535 |
| Retained earnings to average equity (ytd only) | 5.3354% | 2,289 |
| Net charge-offs to loans | 1.5206% | 1,340 |
| Credit loss provision to net charge-offs | 141.1066% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.7919% | 3,822 |
| Efficiency ratio | 40.9689% | 7,906 |
| Assets per employee ($millions) | 3.8958% | 3,958 |
| Cash dividends to net income (ytd only)* | 10.9131% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 2,739 |
| Loan loss allowance to noncurrent loans | 36.9157% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.4711% | 1,922 |
| Noncurrent loans to loans | 4.5181% | 1,545 |
| Net loans and leases to total assets | 65.6952% | 4,491 |
| Net loans and leases to deposits | 79.7869% | 4,421 |
| Net loans and leases to core deposits | 107.5964% | 3,518 |
| Total domestic deposits to total assets | 82.3383% | 4,527 |
| Equity capital to assets | 17.4155% | 573 |
| Core capital (leverage) ratio | 17.0271% | 550 |
| Tier 1 risk-based capital ratio | 21.3042% | 1,325 |
| Total risk-based capital ratio | 22.5540% | 1,299 |
| Memoranda: | ||
| Average total assets | $752,167,000 | 918 |
| Average earning assets | $694,129,000 | 910 |
| Average equity | $122,400,500 | 552 |
| Average total loans | $472,272,750 | 1,035 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2436% | 5,901 |
| Cost of funding earning assets | 1.0115% | 7,533 |
| Net interest margin | 4.2321% | 1,873 |
| Noninterest income to average assets | 0.4817% | 4,612 |
| Noninterest expense to average assets | 1.8255% | 7,716 |
| Loan and lease loss provision to assets | 1.5997% | 1,060 |
| Net operating income to assets | 0.7474% | 3,053 |
| Return on assets (ROA) | 0.7474% | 3,161 |
| Pretax return on assets | 0.9472% | 3,190 |
| Return on Equity (ROE) | 4.6967% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.0375% | 3,041 |
| Net charge-offs to loans | 2.0742% | 893 |
| Credit loss provision to net charge-offs | 125.3596% | 3,706 |
| Earnings coverage of net charge-offs (x) | 1.9959% | 4,090 |
| Efficiency ratio | 41.7501% | 7,982 |
| Assets per employee ($millions) | 4.2152% | 3,263 |
| Cash dividends to net income (ytd only)* | 14.0351% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 3,342 |
| Loan loss allowance to noncurrent loans | 44.9249% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.4708% | 2,611 |
| Noncurrent loans to loans | 3.2761% | 2,160 |
| Net loans and leases to total assets | 62.8280% | 5,213 |
| Net loans and leases to deposits | 75.4185% | 5,255 |
| Net loans and leases to core deposits | 102.4839% | 4,231 |
| Total domestic deposits to total assets | 83.3059% | 4,107 |
| Equity capital to assets | 16.4017% | 771 |
| Core capital (leverage) ratio | 16.1656% | 724 |
| Tier 1 risk-based capital ratio | 20.9774% | 1,401 |
| Total risk-based capital ratio | 22.2253% | 1,374 |
| Memoranda: | ||
| Average total assets | $762,650,000 | 924 |
| Average earning assets | $701,119,000 | 913 |
| Average equity | $121,361,670 | 565 |
| Average total loans | $469,194,330 | 1,060 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 6,193 |
| Cost of funding earning assets | 1.0662% | 7,571 |
| Net interest margin | 4.1619% | 2,044 |
| Noninterest income to average assets | 0.4587% | 4,694 |
| Noninterest expense to average assets | 1.6816% | 7,841 |
| Loan and lease loss provision to assets | 1.2971% | 991 |
| Net operating income to assets | 0.9537% | 2,501 |
| Return on assets (ROA) | 0.9537% | 2,631 |
| Pretax return on assets | 1.2977% | 2,296 |
| Return on Equity (ROE) | 6.0832% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.4213% | 2,888 |
| Net charge-offs to loans | 0.0859% | 4,307 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 50.0100% | 725 |
| Efficiency ratio | 39.3230% | 8,062 |
| Assets per employee ($millions) | 4.0396% | 3,579 |
| Cash dividends to net income (ytd only)* | 10.8814% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 1,905 |
| Loan loss allowance to noncurrent loans | 65.2237% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.0115% | 2,882 |
| Noncurrent loans to loans | 2.7267% | 2,405 |
| Net loans and leases to total assets | 58.9476% | 5,814 |
| Net loans and leases to deposits | 70.7169% | 5,899 |
| Net loans and leases to core deposits | 95.5454% | 5,019 |
| Total domestic deposits to total assets | 83.3571% | 3,974 |
| Equity capital to assets | 16.0318% | 866 |
| Core capital (leverage) ratio | 15.7811% | 814 |
| Tier 1 risk-based capital ratio | 21.5581% | 1,363 |
| Total risk-based capital ratio | 22.8087% | 1,332 |
| Memoranda: | ||
| Average total assets | $770,930,500 | 906 |
| Average earning assets | $707,184,000 | 905 |
| Average equity | $120,857,000 | 567 |
| Average total loans | $465,914,000 | 1,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2295% | 4,358 |
| Cost of funding earning assets | 1.5040% | 7,605 |
| Net interest margin | 4.7255% | 924 |
| Noninterest income to average assets | 0.5561% | 4,189 |
| Noninterest expense to average assets | 1.8691% | 7,664 |
| Loan and lease loss provision to assets | 0.2692% | 4,245 |
| Net operating income to assets | 1.8272% | 527 |
| Return on assets (ROA) | 1.8617% | 460 |
| Pretax return on assets | 2.8218% | 115 |
| Return on Equity (ROE) | 11.7318% | 1,673 |
| Retained earnings to average equity (ytd only) | 6.4724% | 1,342 |
| Net charge-offs to loans | 0.1504% | 4,701 |
| Credit loss provision to net charge-offs | 276.6252% | 1,651 |
| Earnings coverage of net charge-offs (x) | 31.2213% | 1,136 |
| Efficiency ratio | 38.0849% | 8,157 |
| Assets per employee ($millions) | 4.3956% | 2,799 |
| Cash dividends to net income (ytd only)* | 44.8301% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,462 |
| Loan loss allowance to noncurrent loans | 86.2172% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 3,804 |
| Noncurrent loans to loans | 1.4022% | 3,710 |
| Net loans and leases to total assets | 60.1078% | 5,895 |
| Net loans and leases to deposits | 71.9265% | 6,068 |
| Net loans and leases to core deposits | 96.5745% | 5,198 |
| Total domestic deposits to total assets | 83.5683% | 3,546 |
| Equity capital to assets | 15.3322% | 1,079 |
| Core capital (leverage) ratio | 15.5779% | 910 |
| Tier 1 risk-based capital ratio | 20.5865% | 1,524 |
| Total risk-based capital ratio | 21.6653% | 1,515 |
| Memoranda: | ||
| Average total assets | $742,851,200 | 902 |
| Average earning assets | $684,102,400 | 894 |
| Average equity | $117,884,400 | 582 |
| Average total loans | $480,818,600 | 1,000 |