Home > The Ephrata National Bank > Performance and Condition Ratios
The Ephrata National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 3,344 |
| Cost of funding earning assets | 1.2265% | 2,738 |
| Net interest margin | 3.1334% | 3,021 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.6702% | 1,820 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8071% | 2,847 |
| Return on assets (ROA) | 0.7475% | 3,036 |
| Pretax return on assets | 0.9021% | 2,960 |
| Return on Equity (ROE) | 10.3100% | 2,403 |
| Retained earnings to average equity (ytd only) | 7.5356% | 1,687 |
| Net charge-offs to loans | -0.0022% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.7322% | 1,585 |
| Assets per employee ($millions) | 6.8191% | 2,196 |
| Cash dividends to net income (ytd only)* | 26.8773% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 2,757 |
| Loan loss allowance to noncurrent loans | 462.6829% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,441 |
| Noncurrent loans to loans | 0.2411% | 2,342 |
| Net loans and leases to total assets | 67.3300% | 2,114 |
| Net loans and leases to deposits | 77.7716% | 2,286 |
| Net loans and leases to core deposits | 82.2772% | 2,567 |
| Total domestic deposits to total assets | 86.5700% | 1,824 |
| Equity capital to assets | 7.6795% | 3,611 |
| Core capital (leverage) ratio | 9.3550% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4399% | 1,708 |
| Memoranda: | ||
| Average total assets | $1,909,729,000 | 597 |
| Average earning assets | $1,784,563,800 | 578 |
| Average equity | $138,528,600 | 716 |
| Average total loans | $1,289,756,200 | 586 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 3,303 |
| Cost of funding earning assets | 1.1009% | 2,738 |
| Net interest margin | 3.1942% | 2,929 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.7033% | 1,647 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.7536% | 3,156 |
| Return on assets (ROA) | 0.6736% | 3,368 |
| Pretax return on assets | 0.8069% | 3,321 |
| Return on Equity (ROE) | 9.4300% | 2,818 |
| Retained earnings to average equity (ytd only) | 6.5883% | 2,436 |
| Net charge-offs to loans | -0.0051% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.7223% | 1,482 |
| Assets per employee ($millions) | 6.3963% | 2,405 |
| Cash dividends to net income (ytd only)* | 30.1562% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,258 |
| Loan loss allowance to noncurrent loans | 463.2757% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 2,356 |
| Noncurrent loans to loans | 0.2640% | 2,291 |
| Net loans and leases to total assets | 69.2700% | 1,908 |
| Net loans and leases to deposits | 79.3090% | 2,116 |
| Net loans and leases to core deposits | 82.9459% | 2,400 |
| Total domestic deposits to total assets | 87.3400% | 1,784 |
| Equity capital to assets | 6.8871% | 3,670 |
| Core capital (leverage) ratio | 9.3817% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3383% | 1,776 |
| Memoranda: | ||
| Average total assets | $1,887,663,750 | 607 |
| Average earning assets | $1,762,700,250 | 585 |
| Average equity | $134,802,000 | 729 |
| Average total loans | $1,272,087,750 | 597 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 3,327 |
| Cost of funding earning assets | 0.9519% | 2,766 |
| Net interest margin | 3.2329% | 2,902 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.6919% | 1,659 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.6980% | 3,348 |
| Return on assets (ROA) | 0.5747% | 3,646 |
| Pretax return on assets | 0.6785% | 3,650 |
| Return on Equity (ROE) | 7.9500% | 3,245 |
| Retained earnings to average equity (ytd only) | 5.1347% | 2,913 |
| Net charge-offs to loans | -0.0114% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.0599% | 1,553 |
| Assets per employee ($millions) | 6.2353% | 2,517 |
| Cash dividends to net income (ytd only)* | 35.4355% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 1,941 |
| Loan loss allowance to noncurrent loans | 508.3963% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,336 |
| Noncurrent loans to loans | 0.2553% | 2,244 |
| Net loans and leases to total assets | 67.3200% | 2,030 |
| Net loans and leases to deposits | 77.1439% | 2,207 |
| Net loans and leases to core deposits | 79.0854% | 2,537 |
| Total domestic deposits to total assets | 87.2700% | 1,840 |
| Equity capital to assets | 7.3387% | 3,614 |
| Core capital (leverage) ratio | 9.3389% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4289% | 1,750 |
| Memoranda: | ||
| Average total assets | $1,881,522,333 | 595 |
| Average earning assets | $1,756,973,000 | 579 |
| Average equity | $135,978,000 | 720 |
| Average total loans | $1,250,557,667 | 594 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 3,293 |
| Cost of funding earning assets | 0.8079% | 2,703 |
| Net interest margin | 3.2716% | 2,946 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.6224% | 1,888 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.7245% | 3,409 |
| Return on assets (ROA) | 0.6500% | 3,541 |
| Pretax return on assets | 0.7691% | 3,533 |
| Return on Equity (ROE) | 9.0700% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.2124% | 2,712 |
| Net charge-offs to loans | -0.0248% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.9726% | 1,756 |
| Assets per employee ($millions) | 6.3519% | 2,453 |
| Cash dividends to net income (ytd only)* | 31.4699% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,144 |
| Loan loss allowance to noncurrent loans | 405.8140% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,089 |
| Noncurrent loans to loans | 0.3146% | 2,015 |
| Net loans and leases to total assets | 65.8100% | 2,077 |
| Net loans and leases to deposits | 75.0441% | 2,208 |
| Net loans and leases to core deposits | 76.6664% | 2,482 |
| Total domestic deposits to total assets | 87.6900% | 2,026 |
| Equity capital to assets | 7.3550% | 3,643 |
| Core capital (leverage) ratio | 9.3581% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4459% | 1,808 |
| Memoranda: | ||
| Average total assets | $1,871,397,500 | 609 |
| Average earning assets | $1,745,344,000 | 597 |
| Average equity | $134,184,000 | 732 |
| Average total loans | $1,227,259,500 | 613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 3,481 |
| Cost of funding earning assets | 0.1649% | 3,682 |
| Net interest margin | 3.0148% | 3,183 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.5313% | 1,920 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8075% | 3,232 |
| Return on assets (ROA) | 0.8166% | 3,149 |
| Pretax return on assets | 0.9511% | 3,180 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.1477% | 1,941 |
| Net charge-offs to loans | 0.0107% | 1,715 |
| Credit loss provision to net charge-offs | 1,604.9383% | 293 |
| Earnings coverage of net charge-offs (x) | 168.6420% | 694 |
| Efficiency ratio | 70.8891% | 1,654 |
| Assets per employee ($millions) | 6.3269% | 2,462 |
| Cash dividends to net income (ytd only)* | 26.5958% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,201 |
| Loan loss allowance to noncurrent loans | 304.1702% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 1,942 |
| Noncurrent loans to loans | 0.4155% | 1,772 |
| Net loans and leases to total assets | 60.6700% | 2,430 |
| Net loans and leases to deposits | 67.4392% | 2,584 |
| Net loans and leases to core deposits | 68.2386% | 2,785 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 6.3788% | 3,802 |
| Core capital (leverage) ratio | 9.3232% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3794% | 1,912 |
| Memoranda: | ||
| Average total assets | $1,752,109,500 | 623 |
| Average earning assets | $1,638,959,250 | 611 |
| Average equity | $128,900,000 | 771 |
| Average total loans | $1,010,682,500 | 676 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9787% | 3,609 |
| Cost of funding earning assets | 0.1318% | 3,816 |
| Net interest margin | 2.8469% | 3,301 |
| Noninterest income to average assets | 0.7744% | 1,116 |
| Noninterest expense to average assets | 2.5333% | 1,827 |
| Loan and lease loss provision to assets | 0.0868% | 1,140 |
| Net operating income to assets | 0.7140% | 3,259 |
| Return on assets (ROA) | 0.7280% | 3,169 |
| Pretax return on assets | 0.8385% | 3,235 |
| Return on Equity (ROE) | 9.4544% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.5999% | 2,134 |
| Net charge-offs to loans | 0.0154% | 1,449 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 104.7867% | 794 |
| Efficiency ratio | 73.5885% | 1,560 |
| Assets per employee ($millions) | 6.1816% | 2,581 |
| Cash dividends to net income (ytd only)* | 30.1923% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,189 |
| Loan loss allowance to noncurrent loans | 248.3300% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,770 |
| Noncurrent loans to loans | 0.5237% | 1,576 |
| Net loans and leases to total assets | 58.4068% | 2,485 |
| Net loans and leases to deposits | 65.3358% | 2,604 |
| Net loans and leases to core deposits | 65.7239% | 2,845 |
| Total domestic deposits to total assets | 89.3948% | 2,001 |
| Equity capital to assets | 6.5790% | 3,983 |
| Core capital (leverage) ratio | 8.7026% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4310% | 2,323 |
| Memoranda: | ||
| Average total assets | $1,728,761,333 | 625 |
| Average earning assets | $1,620,159,000 | 615 |
| Average equity | $133,122,667 | 755 |
| Average total loans | $974,365,000 | 684 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8385% | 3,664 |
| Cost of funding earning assets | 0.1204% | 3,893 |
| Net interest margin | 2.7181% | 3,368 |
| Noninterest income to average assets | 0.8296% | 971 |
| Noninterest expense to average assets | 2.4672% | 1,967 |
| Loan and lease loss provision to assets | 0.0234% | 1,938 |
| Net operating income to assets | 0.7661% | 2,793 |
| Return on assets (ROA) | 0.7941% | 2,677 |
| Pretax return on assets | 0.9237% | 2,683 |
| Return on Equity (ROE) | 9.5896% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.9075% | 1,921 |
| Net charge-offs to loans | 0.0222% | 1,102 |
| Credit loss provision to net charge-offs | 192.3077% | 790 |
| Earnings coverage of net charge-offs (x) | 75.1538% | 774 |
| Efficiency ratio | 72.9550% | 1,862 |
| Assets per employee ($millions) | 6.1044% | 2,707 |
| Cash dividends to net income (ytd only)* | 27.9693% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,061 |
| Loan loss allowance to noncurrent loans | 356.6639% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,362 |
| Noncurrent loans to loans | 0.3819% | 2,120 |
| Net loans and leases to total assets | 55.1821% | 2,612 |
| Net loans and leases to deposits | 61.7955% | 2,730 |
| Net loans and leases to core deposits | 62.1462% | 2,959 |
| Total domestic deposits to total assets | 89.2980% | 1,927 |
| Equity capital to assets | 7.6847% | 3,807 |
| Core capital (leverage) ratio | 8.8723% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3379% | 2,060 |
| Memoranda: | ||
| Average total assets | $1,709,172,500 | 633 |
| Average earning assets | $1,604,788,000 | 622 |
| Average equity | $141,528,000 | 739 |
| Average total loans | $938,446,000 | 695 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9375% | 3,985 |
| Cost of funding earning assets | 0.1498% | 3,981 |
| Net interest margin | 2.7877% | 3,691 |
| Noninterest income to average assets | 1.0676% | 896 |
| Noninterest expense to average assets | 2.5492% | 2,029 |
| Loan and lease loss provision to assets | 0.0301% | 2,453 |
| Net operating income to assets | 0.9414% | 2,896 |
| Return on assets (ROA) | 0.9808% | 2,821 |
| Pretax return on assets | 1.1561% | 2,801 |
| Return on Equity (ROE) | 10.4964% | 2,350 |
| Retained earnings to average equity (ytd only) | 7.9639% | 1,562 |
| Net charge-offs to loans | -0.0148% | 3,870 |
| Credit loss provision to net charge-offs | -368.2171% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1007% | 1,847 |
| Assets per employee ($millions) | 6.3527% | 2,446 |
| Cash dividends to net income (ytd only)* | 24.1268% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,920 |
| Loan loss allowance to noncurrent loans | 450.4006% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 2,756 |
| Noncurrent loans to loans | 0.3107% | 2,476 |
| Net loans and leases to total assets | 53.1221% | 2,951 |
| Net loans and leases to deposits | 60.1494% | 3,058 |
| Net loans and leases to core deposits | 60.4817% | 3,285 |
| Total domestic deposits to total assets | 88.3170% | 1,865 |
| Equity capital to assets | 8.8720% | 3,745 |
| Core capital (leverage) ratio | 9.1024% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8830% | 1,894 |
| Memoranda: | ||
| Average total assets | $1,576,191,000 | 656 |
| Average earning assets | $1,482,211,600 | 647 |
| Average equity | $147,288,800 | 730 |
| Average total loans | $869,792,200 | 747 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9856% | 4,031 |
| Cost of funding earning assets | 0.1698% | 3,921 |
| Net interest margin | 2.8158% | 3,747 |
| Noninterest income to average assets | 1.0870% | 936 |
| Noninterest expense to average assets | 2.4905% | 2,149 |
| Loan and lease loss provision to assets | 0.0108% | 2,776 |
| Net operating income to assets | 1.0506% | 2,727 |
| Return on assets (ROA) | 1.1029% | 2,601 |
| Pretax return on assets | 1.2943% | 2,638 |
| Return on Equity (ROE) | 11.6391% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.0997% | 1,661 |
| Net charge-offs to loans | -0.0003% | 3,070 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6983% | 2,006 |
| Assets per employee ($millions) | 5.7630% | 2,929 |
| Cash dividends to net income (ytd only)* | 21.8179% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 1,984 |
| Loan loss allowance to noncurrent loans | 515.0538% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 3,099 |
| Noncurrent loans to loans | 0.2737% | 2,821 |
| Net loans and leases to total assets | 54.5607% | 2,901 |
| Net loans and leases to deposits | 62.4133% | 3,002 |
| Net loans and leases to core deposits | 62.8147% | 3,236 |
| Total domestic deposits to total assets | 87.4183% | 2,148 |
| Equity capital to assets | 9.4153% | 3,454 |
| Core capital (leverage) ratio | 9.2190% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3909% | 1,830 |
| Memoranda: | ||
| Average total assets | $1,541,431,250 | 680 |
| Average earning assets | $1,449,013,000 | 667 |
| Average equity | $146,067,000 | 741 |
| Average total loans | $856,215,750 | 774 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9410% | 4,157 |
| Cost of funding earning assets | 0.1757% | 3,987 |
| Net interest margin | 2.7654% | 3,859 |
| Noninterest income to average assets | 1.1568% | 854 |
| Noninterest expense to average assets | 2.4598% | 2,277 |
| Loan and lease loss provision to assets | 0.0492% | 2,046 |
| Net operating income to assets | 1.0621% | 2,674 |
| Return on assets (ROA) | 1.1025% | 2,602 |
| Pretax return on assets | 1.2938% | 2,648 |
| Return on Equity (ROE) | 11.6083% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.0712% | 1,684 |
| Net charge-offs to loans | -0.0002% | 3,024 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5023% | 2,225 |
| Assets per employee ($millions) | 5.6538% | 2,956 |
| Cash dividends to net income (ytd only)* | 21.8556% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,355.7097% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,836 |
| Noncurrent loans to loans | 0.1076% | 3,648 |
| Net loans and leases to total assets | 54.4168% | 3,092 |
| Net loans and leases to deposits | 62.5166% | 3,147 |
| Net loans and leases to core deposits | 62.9091% | 3,383 |
| Total domestic deposits to total assets | 87.0437% | 2,294 |
| Equity capital to assets | 9.5046% | 3,325 |
| Core capital (leverage) ratio | 9.1986% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5661% | 1,783 |
| Memoranda: | ||
| Average total assets | $1,523,124,000 | 677 |
| Average earning assets | $1,431,196,667 | 668 |
| Average equity | $144,655,667 | 743 |
| Average total loans | $847,142,667 | 781 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9971% | 4,091 |
| Cost of funding earning assets | 0.1855% | 4,040 |
| Net interest margin | 2.8116% | 3,730 |
| Noninterest income to average assets | 1.3324% | 731 |
| Noninterest expense to average assets | 2.4425% | 2,350 |
| Loan and lease loss provision to assets | 0.1003% | 1,346 |
| Net operating income to assets | 1.1938% | 2,174 |
| Return on assets (ROA) | 1.2134% | 2,181 |
| Pretax return on assets | 1.4516% | 2,133 |
| Return on Equity (ROE) | 12.7813% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.2774% | 1,579 |
| Net charge-offs to loans | 0.0057% | 1,695 |
| Credit loss provision to net charge-offs | 3,125.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 476.4167% | 200 |
| Efficiency ratio | 61.5069% | 2,839 |
| Assets per employee ($millions) | 5.5459% | 3,072 |
| Cash dividends to net income (ytd only)* | 19.5901% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,593 |
| Loan loss allowance to noncurrent loans | 1,525.2404% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,986 |
| Noncurrent loans to loans | 0.0986% | 3,813 |
| Net loans and leases to total assets | 54.3075% | 3,213 |
| Net loans and leases to deposits | 62.4937% | 3,277 |
| Net loans and leases to core deposits | 62.8890% | 3,509 |
| Total domestic deposits to total assets | 86.9007% | 2,347 |
| Equity capital to assets | 9.3148% | 3,373 |
| Core capital (leverage) ratio | 9.5296% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1760% | 1,514 |
| Memoranda: | ||
| Average total assets | $1,495,982,000 | 678 |
| Average earning assets | $1,404,029,500 | 670 |
| Average equity | $142,020,000 | 750 |
| Average total loans | $835,175,000 | 782 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 3,990 |
| Cost of funding earning assets | 0.3214% | 4,019 |
| Net interest margin | 3.1990% | 3,366 |
| Noninterest income to average assets | 1.1383% | 829 |
| Noninterest expense to average assets | 2.7857% | 1,981 |
| Loan and lease loss provision to assets | 0.2296% | 1,696 |
| Net operating income to assets | 0.9281% | 2,574 |
| Return on assets (ROA) | 0.9817% | 2,498 |
| Pretax return on assets | 1.1610% | 2,471 |
| Return on Equity (ROE) | 10.2206% | 1,922 |
| Retained earnings to average equity (ytd only) | 6.1102% | 1,748 |
| Net charge-offs to loans | 0.0087% | 3,021 |
| Credit loss provision to net charge-offs | 4,214.2857% | 249 |
| Earnings coverage of net charge-offs (x) | 243.6857% | 410 |
| Efficiency ratio | 67.7256% | 2,266 |
| Assets per employee ($millions) | 5.4731% | 2,869 |
| Cash dividends to net income (ytd only)* | 40.2172% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,612 |
| Loan loss allowance to noncurrent loans | 587.5596% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 3,571 |
| Noncurrent loans to loans | 0.2539% | 3,280 |
| Net loans and leases to total assets | 55.7085% | 3,327 |
| Net loans and leases to deposits | 64.5833% | 3,394 |
| Net loans and leases to core deposits | 65.0003% | 3,631 |
| Total domestic deposits to total assets | 86.2584% | 2,250 |
| Equity capital to assets | 9.6806% | 3,430 |
| Core capital (leverage) ratio | 9.8284% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2588% | 1,757 |
| Memoranda: | ||
| Average total assets | $1,284,974,800 | 707 |
| Average earning assets | $1,194,953,800 | 701 |
| Average equity | $123,417,200 | 797 |
| Average total loans | $807,069,400 | 779 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 3,954 |
| Cost of funding earning assets | 0.3608% | 3,999 |
| Net interest margin | 3.2670% | 3,293 |
| Noninterest income to average assets | 1.1587% | 783 |
| Noninterest expense to average assets | 2.8337% | 1,869 |
| Loan and lease loss provision to assets | 0.2767% | 1,453 |
| Net operating income to assets | 0.9156% | 2,640 |
| Return on assets (ROA) | 0.9799% | 2,550 |
| Pretax return on assets | 1.1548% | 2,549 |
| Return on Equity (ROE) | 10.2263% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.5348% | 2,312 |
| Net charge-offs to loans | 0.0043% | 2,999 |
| Credit loss provision to net charge-offs | 9,903.8462% | 121 |
| Earnings coverage of net charge-offs (x) | 485.3462% | 237 |
| Efficiency ratio | 67.6370% | 2,234 |
| Assets per employee ($millions) | 4.8215% | 3,462 |
| Cash dividends to net income (ytd only)* | 45.8772% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,677 |
| Loan loss allowance to noncurrent loans | 764.0764% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 3,833 |
| Noncurrent loans to loans | 0.1851% | 3,651 |
| Net loans and leases to total assets | 63.5268% | 2,823 |
| Net loans and leases to deposits | 74.1846% | 2,938 |
| Net loans and leases to core deposits | 74.7467% | 3,261 |
| Total domestic deposits to total assets | 85.6334% | 2,205 |
| Equity capital to assets | 9.4323% | 3,741 |
| Core capital (leverage) ratio | 9.0761% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3372% | 2,483 |
| Memoranda: | ||
| Average total assets | $1,240,891,750 | 719 |
| Average earning assets | $1,151,208,500 | 717 |
| Average equity | $118,905,750 | 824 |
| Average total loans | $802,237,000 | 775 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,043 |
| Cost of funding earning assets | 0.4032% | 4,022 |
| Net interest margin | 3.3166% | 3,339 |
| Noninterest income to average assets | 1.0548% | 892 |
| Noninterest expense to average assets | 2.8307% | 2,019 |
| Loan and lease loss provision to assets | 0.2180% | 1,912 |
| Net operating income to assets | 0.9137% | 2,640 |
| Return on assets (ROA) | 1.0045% | 2,431 |
| Pretax return on assets | 1.1848% | 2,411 |
| Return on Equity (ROE) | 10.4237% | 1,841 |
| Retained earnings to average equity (ytd only) | 4.8004% | 2,566 |
| Net charge-offs to loans | 0.0005% | 3,023 |
| Credit loss provision to net charge-offs | 66,250.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 3,939.0000% | 13 |
| Efficiency ratio | 68.5948% | 2,156 |
| Assets per employee ($millions) | 4.7750% | 3,437 |
| Cash dividends to net income (ytd only)* | 53.9469% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,080 |
| Loan loss allowance to noncurrent loans | 658.7156% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 3,902 |
| Noncurrent loans to loans | 0.1950% | 3,678 |
| Net loans and leases to total assets | 63.7118% | 2,916 |
| Net loans and leases to deposits | 74.6476% | 3,013 |
| Net loans and leases to core deposits | 75.1857% | 3,359 |
| Total domestic deposits to total assets | 85.3501% | 2,255 |
| Equity capital to assets | 9.3007% | 3,829 |
| Core capital (leverage) ratio | 9.2154% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2956% | 2,487 |
| Memoranda: | ||
| Average total assets | $1,215,763,000 | 722 |
| Average earning assets | $1,126,038,000 | 719 |
| Average equity | $117,156,000 | 826 |
| Average total loans | $786,921,000 | 781 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 4,102 |
| Cost of funding earning assets | 0.4686% | 4,077 |
| Net interest margin | 3.3956% | 3,307 |
| Noninterest income to average assets | 0.9249% | 1,013 |
| Noninterest expense to average assets | 3.0798% | 1,692 |
| Loan and lease loss provision to assets | 0.1192% | 2,203 |
| Net operating income to assets | 0.7476% | 3,103 |
| Return on assets (ROA) | 0.8312% | 2,878 |
| Pretax return on assets | 0.9593% | 2,966 |
| Return on Equity (ROE) | 8.4623% | 2,330 |
| Retained earnings to average equity (ytd only) | 3.5999% | 2,850 |
| Net charge-offs to loans | -0.0032% | 3,737 |
| Credit loss provision to net charge-offs | -5,833.3333% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8155% | 1,584 |
| Assets per employee ($millions) | 4.6173% | 3,104 |
| Cash dividends to net income (ytd only)* | 57.4590% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,239 |
| Loan loss allowance to noncurrent loans | 386.2490% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 3,612 |
| Noncurrent loans to loans | 0.3311% | 3,306 |
| Net loans and leases to total assets | 64.2712% | 3,038 |
| Net loans and leases to deposits | 76.9748% | 2,985 |
| Net loans and leases to core deposits | 77.6438% | 3,378 |
| Total domestic deposits to total assets | 83.4964% | 2,948 |
| Equity capital to assets | 9.8186% | 3,942 |
| Core capital (leverage) ratio | 9.7769% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1733% | 2,210 |
| Memoranda: | ||
| Average total assets | $1,174,240,500 | 712 |
| Average earning assets | $1,084,946,000 | 707 |
| Average equity | $115,335,000 | 830 |
| Average total loans | $761,249,500 | 781 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 4,230 |
| Cost of funding earning assets | 0.4925% | 4,126 |
| Net interest margin | 3.5209% | 3,381 |
| Noninterest income to average assets | 0.9552% | 1,067 |
| Noninterest expense to average assets | 2.9544% | 2,136 |
| Loan and lease loss provision to assets | 0.0681% | 2,649 |
| Net operating income to assets | 0.9855% | 2,894 |
| Return on assets (ROA) | 1.0160% | 2,878 |
| Pretax return on assets | 1.2044% | 2,832 |
| Return on Equity (ROE) | 10.4852% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.9072% | 1,916 |
| Net charge-offs to loans | -0.0015% | 4,202 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5025% | 2,099 |
| Assets per employee ($millions) | 4.4869% | 3,242 |
| Cash dividends to net income (ytd only)* | 43.6614% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,173 |
| Loan loss allowance to noncurrent loans | 291.2145% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,320 |
| Noncurrent loans to loans | 0.4291% | 2,911 |
| Net loans and leases to total assets | 63.7462% | 3,236 |
| Net loans and leases to deposits | 76.5694% | 3,126 |
| Net loans and leases to core deposits | 77.2339% | 3,498 |
| Total domestic deposits to total assets | 83.2529% | 3,120 |
| Equity capital to assets | 9.8256% | 4,081 |
| Core capital (leverage) ratio | 9.8086% | 3,724 |
| Tier 1 risk-based capital ratio | 13.2149% | 3,672 |
| Total risk-based capital ratio | 14.3660% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,131,228,200 | 699 |
| Average earning assets | $1,039,447,200 | 701 |
| Average equity | $109,611,400 | 831 |
| Average total loans | $725,159,200 | 786 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 4,283 |
| Cost of funding earning assets | 0.4898% | 4,183 |
| Net interest margin | 3.5488% | 3,410 |
| Noninterest income to average assets | 0.9476% | 1,044 |
| Noninterest expense to average assets | 2.9089% | 2,236 |
| Loan and lease loss provision to assets | 0.0999% | 1,924 |
| Net operating income to assets | 1.0135% | 2,932 |
| Return on assets (ROA) | 1.0367% | 2,916 |
| Pretax return on assets | 1.2258% | 2,897 |
| Return on Equity (ROE) | 10.7380% | 2,124 |
| Retained earnings to average equity (ytd only) | 7.5159% | 1,614 |
| Net charge-offs to loans | 0.0059% | 3,174 |
| Credit loss provision to net charge-offs | 2,625.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 341.2149% | 286 |
| Efficiency ratio | 69.1377% | 2,237 |
| Assets per employee ($millions) | 4.3551% | 3,406 |
| Cash dividends to net income (ytd only)* | 30.0069% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,059 |
| Loan loss allowance to noncurrent loans | 339.8135% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 3,596 |
| Noncurrent loans to loans | 0.3769% | 3,207 |
| Net loans and leases to total assets | 63.7516% | 3,308 |
| Net loans and leases to deposits | 77.0928% | 3,190 |
| Net loans and leases to core deposits | 77.7530% | 3,571 |
| Total domestic deposits to total assets | 82.6946% | 3,254 |
| Equity capital to assets | 10.0206% | 3,998 |
| Core capital (leverage) ratio | 9.9687% | 3,667 |
| Tier 1 risk-based capital ratio | 13.4144% | 3,626 |
| Total risk-based capital ratio | 14.5865% | 3,560 |
| Memoranda: | ||
| Average total assets | $1,121,267,750 | 708 |
| Average earning assets | $1,029,953,500 | 708 |
| Average equity | $108,248,000 | 838 |
| Average total loans | $717,459,000 | 790 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 4,312 |
| Cost of funding earning assets | 0.4856% | 4,183 |
| Net interest margin | 3.5461% | 3,448 |
| Noninterest income to average assets | 0.9118% | 1,057 |
| Noninterest expense to average assets | 2.9426% | 2,160 |
| Loan and lease loss provision to assets | 0.0377% | 3,061 |
| Net operating income to assets | 1.0063% | 2,899 |
| Return on assets (ROA) | 1.0348% | 2,861 |
| Pretax return on assets | 1.2224% | 2,836 |
| Return on Equity (ROE) | 10.8605% | 2,038 |
| Retained earnings to average equity (ytd only) | 7.5892% | 1,563 |
| Net charge-offs to loans | -0.0228% | 4,591 |
| Credit loss provision to net charge-offs | -259.2593% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5809% | 2,140 |
| Assets per employee ($millions) | 4.2355% | 3,516 |
| Cash dividends to net income (ytd only)* | 30.1215% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,299 |
| Loan loss allowance to noncurrent loans | 436.9268% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 3,858 |
| Noncurrent loans to loans | 0.2840% | 3,517 |
| Net loans and leases to total assets | 63.0369% | 3,443 |
| Net loans and leases to deposits | 75.6798% | 3,362 |
| Net loans and leases to core deposits | 76.2969% | 3,702 |
| Total domestic deposits to total assets | 83.2942% | 3,118 |
| Equity capital to assets | 9.8430% | 4,102 |
| Core capital (leverage) ratio | 9.8806% | 3,729 |
| Tier 1 risk-based capital ratio | 13.4333% | 3,617 |
| Total risk-based capital ratio | 14.5647% | 3,579 |
| Memoranda: | ||
| Average total assets | $1,113,225,330 | 711 |
| Average earning assets | $1,022,586,670 | 710 |
| Average equity | $106,072,330 | 849 |
| Average total loans | $710,051,330 | 801 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 4,340 |
| Cost of funding earning assets | 0.4660% | 4,220 |
| Net interest margin | 3.5486% | 3,435 |
| Noninterest income to average assets | 0.8859% | 1,073 |
| Noninterest expense to average assets | 2.9790% | 2,054 |
| Loan and lease loss provision to assets | 0.0652% | 2,359 |
| Net operating income to assets | 0.9338% | 3,111 |
| Return on assets (ROA) | 0.9587% | 3,052 |
| Pretax return on assets | 1.1228% | 3,082 |
| Return on Equity (ROE) | 10.2346% | 2,266 |
| Retained earnings to average equity (ytd only) | 6.9404% | 2,067 |
| Net charge-offs to loans | -0.0227% | 4,536 |
| Credit loss provision to net charge-offs | -450.0000% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9975% | 2,046 |
| Assets per employee ($millions) | 4.1016% | 3,778 |
| Cash dividends to net income (ytd only)* | 32.1874% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,340 |
| Loan loss allowance to noncurrent loans | 426.8012% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 3,880 |
| Noncurrent loans to loans | 0.2921% | 3,520 |
| Net loans and leases to total assets | 63.3299% | 3,370 |
| Net loans and leases to deposits | 75.6645% | 3,293 |
| Net loans and leases to core deposits | 76.3850% | 3,635 |
| Total domestic deposits to total assets | 83.6983% | 3,146 |
| Equity capital to assets | 9.4998% | 4,260 |
| Core capital (leverage) ratio | 9.9124% | 3,694 |
| Tier 1 risk-based capital ratio | 13.1706% | 3,789 |
| Total risk-based capital ratio | 14.2860% | 3,766 |
| Memoranda: | ||
| Average total assets | $1,104,398,000 | 718 |
| Average earning assets | $1,012,006,500 | 719 |
| Average equity | $103,452,500 | 862 |
| Average total loans | $704,162,500 | 807 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,526 |
| Cost of funding earning assets | 0.3498% | 4,282 |
| Net interest margin | 3.4333% | 3,896 |
| Noninterest income to average assets | 1.0744% | 808 |
| Noninterest expense to average assets | 3.0630% | 1,891 |
| Loan and lease loss provision to assets | 0.0626% | 2,906 |
| Net operating income to assets | 0.9625% | 3,167 |
| Return on assets (ROA) | 0.9387% | 3,279 |
| Pretax return on assets | 1.0625% | 3,403 |
| Return on Equity (ROE) | 10.1057% | 2,477 |
| Retained earnings to average equity (ytd only) | 6.7542% | 1,784 |
| Net charge-offs to loans | 0.0365% | 2,671 |
| Credit loss provision to net charge-offs | 282.0513% | 1,077 |
| Earnings coverage of net charge-offs (x) | 51.9145% | 1,106 |
| Efficiency ratio | 72.6643% | 1,818 |
| Assets per employee ($millions) | 4.2040% | 3,613 |
| Cash dividends to net income (ytd only)* | 33.1649% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,322 |
| Loan loss allowance to noncurrent loans | 388.6099% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 3,812 |
| Noncurrent loans to loans | 0.3206% | 3,398 |
| Net loans and leases to total assets | 62.5958% | 3,504 |
| Net loans and leases to deposits | 74.6099% | 3,451 |
| Net loans and leases to core deposits | 75.2983% | 3,767 |
| Total domestic deposits to total assets | 83.8975% | 3,030 |
| Equity capital to assets | 9.2331% | 4,382 |
| Core capital (leverage) ratio | 9.8339% | 3,765 |
| Tier 1 risk-based capital ratio | 13.0316% | 3,834 |
| Total risk-based capital ratio | 14.1277% | 3,817 |
| Memoranda: | ||
| Average total assets | $1,054,264,000 | 730 |
| Average earning assets | $964,468,800 | 730 |
| Average equity | $97,924,600 | 867 |
| Average total loans | $641,865,800 | 844 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,583 |
| Cost of funding earning assets | 0.3472% | 4,197 |
| Net interest margin | 3.3876% | 4,039 |
| Noninterest income to average assets | 1.1202% | 747 |
| Noninterest expense to average assets | 3.0658% | 1,844 |
| Loan and lease loss provision to assets | 0.0601% | 2,779 |
| Net operating income to assets | 0.9726% | 3,205 |
| Return on assets (ROA) | 0.9699% | 3,236 |
| Pretax return on assets | 1.0926% | 3,423 |
| Return on Equity (ROE) | 10.4257% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.0553% | 2,100 |
| Net charge-offs to loans | 0.0598% | 1,968 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 32.0745% | 1,552 |
| Efficiency ratio | 72.6241% | 1,793 |
| Assets per employee ($millions) | 3.9761% | 3,927 |
| Cash dividends to net income (ytd only)* | 32.3278% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,328 |
| Loan loss allowance to noncurrent loans | 752.5000% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 4,443 |
| Noncurrent loans to loans | 0.1670% | 4,139 |
| Net loans and leases to total assets | 62.3715% | 3,616 |
| Net loans and leases to deposits | 74.2165% | 3,574 |
| Net loans and leases to core deposits | 75.1347% | 3,865 |
| Total domestic deposits to total assets | 84.0399% | 2,929 |
| Equity capital to assets | 9.1664% | 4,407 |
| Core capital (leverage) ratio | 9.9610% | 3,682 |
| Tier 1 risk-based capital ratio | 13.2472% | 3,763 |
| Total risk-based capital ratio | 14.3423% | 3,766 |
| Memoranda: | ||
| Average total assets | $1,043,516,000 | 736 |
| Average earning assets | $955,342,250 | 735 |
| Average equity | $97,078,000 | 869 |
| Average total loans | $628,456,750 | 860 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 4,647 |
| Cost of funding earning assets | 0.3405% | 4,129 |
| Net interest margin | 3.3291% | 4,166 |
| Noninterest income to average assets | 1.1543% | 724 |
| Noninterest expense to average assets | 3.0744% | 1,847 |
| Loan and lease loss provision to assets | 0.0540% | 2,830 |
| Net operating income to assets | 0.9680% | 3,151 |
| Return on assets (ROA) | 0.9631% | 3,178 |
| Pretax return on assets | 1.0662% | 3,448 |
| Return on Equity (ROE) | 10.3010% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.9505% | 2,100 |
| Net charge-offs to loans | 0.1136% | 1,244 |
| Credit loss provision to net charge-offs | 80.2292% | 2,255 |
| Earnings coverage of net charge-offs (x) | 16.7307% | 1,985 |
| Efficiency ratio | 73.1996% | 1,817 |
| Assets per employee ($millions) | 3.9154% | 4,031 |
| Cash dividends to net income (ytd only)* | 32.5260% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,187 |
| Loan loss allowance to noncurrent loans | 578.6827% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,326 |
| Noncurrent loans to loans | 0.2239% | 3,918 |
| Net loans and leases to total assets | 59.3214% | 3,872 |
| Net loans and leases to deposits | 70.7989% | 3,795 |
| Net loans and leases to core deposits | 71.6882% | 4,029 |
| Total domestic deposits to total assets | 83.7886% | 3,135 |
| Equity capital to assets | 9.2408% | 4,342 |
| Core capital (leverage) ratio | 9.9254% | 3,663 |
| Tier 1 risk-based capital ratio | 13.5238% | 3,602 |
| Total risk-based capital ratio | 14.6277% | 3,613 |
| Memoranda: | ||
| Average total assets | $1,037,483,000 | 739 |
| Average earning assets | $949,141,330 | 742 |
| Average equity | $97,000,000 | 872 |
| Average total loans | $614,418,000 | 875 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 4,682 |
| Cost of funding earning assets | 0.3279% | 4,144 |
| Net interest margin | 3.2826% | 4,233 |
| Noninterest income to average assets | 1.2854% | 565 |
| Noninterest expense to average assets | 3.0471% | 1,956 |
| Loan and lease loss provision to assets | 0.0737% | 2,295 |
| Net operating income to assets | 1.0790% | 2,530 |
| Return on assets (ROA) | 1.0912% | 2,478 |
| Pretax return on assets | 1.1823% | 2,833 |
| Return on Equity (ROE) | 11.6022% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.3120% | 1,726 |
| Net charge-offs to loans | 0.2289% | 655 |
| Credit loss provision to net charge-offs | 54.7550% | 1,916 |
| Earnings coverage of net charge-offs (x) | 9.2363% | 1,975 |
| Efficiency ratio | 71.0296% | 2,332 |
| Assets per employee ($millions) | 3.8426% | 4,225 |
| Cash dividends to net income (ytd only)* | 28.3582% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 2,151 |
| Loan loss allowance to noncurrent loans | 454.6119% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,219 |
| Noncurrent loans to loans | 0.2904% | 3,732 |
| Net loans and leases to total assets | 58.6576% | 3,883 |
| Net loans and leases to deposits | 70.4582% | 3,744 |
| Net loans and leases to core deposits | 71.3820% | 4,012 |
| Total domestic deposits to total assets | 83.2517% | 3,592 |
| Equity capital to assets | 9.3073% | 4,262 |
| Core capital (leverage) ratio | 9.9199% | 3,614 |
| Tier 1 risk-based capital ratio | 13.6001% | 3,600 |
| Total risk-based capital ratio | 14.7133% | 3,597 |
| Memoranda: | ||
| Average total assets | $1,031,554,500 | 746 |
| Average earning assets | $944,132,000 | 747 |
| Average equity | $97,016,500 | 873 |
| Average total loans | $606,300,000 | 885 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 4,613 |
| Cost of funding earning assets | 0.3178% | 3,976 |
| Net interest margin | 3.2617% | 4,282 |
| Noninterest income to average assets | 0.9559% | 1,121 |
| Noninterest expense to average assets | 3.0453% | 2,030 |
| Loan and lease loss provision to assets | 0.0931% | 2,339 |
| Net operating income to assets | 0.5913% | 4,048 |
| Return on assets (ROA) | 0.6360% | 3,902 |
| Pretax return on assets | 0.8681% | 4,021 |
| Return on Equity (ROE) | 6.6313% | 3,462 |
| Retained earnings to average equity (ytd only) | 3.3353% | 3,301 |
| Net charge-offs to loans | 0.0449% | 2,891 |
| Credit loss provision to net charge-offs | 358.7786% | 821 |
| Earnings coverage of net charge-offs (x) | 34.6679% | 1,387 |
| Efficiency ratio | 77.1870% | 1,458 |
| Assets per employee ($millions) | 3.8555% | 4,192 |
| Cash dividends to net income (ytd only)* | 49.7040% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 1,870 |
| Loan loss allowance to noncurrent loans | 991.5764% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,714 |
| Noncurrent loans to loans | 0.1384% | 4,373 |
| Net loans and leases to total assets | 57.3130% | 4,077 |
| Net loans and leases to deposits | 68.2545% | 4,007 |
| Net loans and leases to core deposits | 69.0571% | 4,230 |
| Total domestic deposits to total assets | 83.9695% | 3,222 |
| Equity capital to assets | 9.5021% | 4,233 |
| Core capital (leverage) ratio | 9.9000% | 3,582 |
| Tier 1 risk-based capital ratio | 13.6349% | 3,554 |
| Total risk-based capital ratio | 14.7855% | 3,519 |
| Memoranda: | ||
| Average total assets | $1,009,176,200 | 730 |
| Average earning assets | $924,915,400 | 737 |
| Average equity | $96,784,000 | 851 |
| Average total loans | $584,076,600 | 878 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 4,640 |
| Cost of funding earning assets | 0.3168% | 3,962 |
| Net interest margin | 3.2512% | 4,325 |
| Noninterest income to average assets | 0.9475% | 1,147 |
| Noninterest expense to average assets | 3.0252% | 2,042 |
| Loan and lease loss provision to assets | 0.0598% | 2,884 |
| Net operating income to assets | 0.7292% | 3,822 |
| Return on assets (ROA) | 0.7769% | 3,664 |
| Pretax return on assets | 0.9011% | 4,041 |
| Return on Equity (ROE) | 8.0813% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.7727% | 3,034 |
| Net charge-offs to loans | -0.0037% | 4,402 |
| Credit loss provision to net charge-offs | -2,812.5000% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9629% | 1,463 |
| Assets per employee ($millions) | 3.8834% | 4,186 |
| Cash dividends to net income (ytd only)* | 40.9410% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,053 |
| Loan loss allowance to noncurrent loans | 853.1350% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,771 |
| Noncurrent loans to loans | 0.1601% | 4,420 |
| Net loans and leases to total assets | 57.4293% | 4,116 |
| Net loans and leases to deposits | 69.0400% | 4,035 |
| Net loans and leases to core deposits | 69.8570% | 4,251 |
| Total domestic deposits to total assets | 83.1827% | 3,400 |
| Equity capital to assets | 9.8402% | 4,097 |
| Core capital (leverage) ratio | 10.0558% | 3,498 |
| Tier 1 risk-based capital ratio | 14.0397% | 3,424 |
| Total risk-based capital ratio | 15.1907% | 3,397 |
| Memoranda: | ||
| Average total assets | $1,003,149,750 | 736 |
| Average earning assets | $920,452,000 | 742 |
| Average equity | $96,434,000 | 856 |
| Average total loans | $579,984,500 | 888 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 4,700 |
| Cost of funding earning assets | 0.3120% | 3,957 |
| Net interest margin | 3.2129% | 4,378 |
| Noninterest income to average assets | 0.9345% | 1,169 |
| Noninterest expense to average assets | 3.0235% | 2,056 |
| Loan and lease loss provision to assets | 0.0420% | 3,162 |
| Net operating income to assets | 0.7153% | 3,772 |
| Return on assets (ROA) | 0.7583% | 3,648 |
| Pretax return on assets | 0.8670% | 4,051 |
| Return on Equity (ROE) | 7.9510% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.6072% | 2,971 |
| Net charge-offs to loans | -0.0104% | 4,550 |
| Credit loss provision to net charge-offs | -700.0000% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8635% | 1,481 |
| Assets per employee ($millions) | 3.9204% | 4,100 |
| Cash dividends to net income (ytd only)* | 42.0553% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,223 |
| Loan loss allowance to noncurrent loans | 734.6516% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,781 |
| Noncurrent loans to loans | 0.1825% | 4,389 |
| Net loans and leases to total assets | 56.7622% | 4,151 |
| Net loans and leases to deposits | 68.1685% | 4,056 |
| Net loans and leases to core deposits | 68.9965% | 4,299 |
| Total domestic deposits to total assets | 83.2676% | 3,479 |
| Equity capital to assets | 9.7380% | 4,192 |
| Core capital (leverage) ratio | 10.0004% | 3,536 |
| Tier 1 risk-based capital ratio | 14.0548% | 3,405 |
| Total risk-based capital ratio | 15.1951% | 3,376 |
| Memoranda: | ||
| Average total assets | $1,000,969,670 | 741 |
| Average earning assets | $918,603,000 | 745 |
| Average equity | $95,460,000 | 863 |
| Average total loans | $577,350,670 | 899 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,704 |
| Cost of funding earning assets | 0.3075% | 3,964 |
| Net interest margin | 3.1877% | 4,380 |
| Noninterest income to average assets | 0.9127% | 1,203 |
| Noninterest expense to average assets | 3.0129% | 2,134 |
| Loan and lease loss provision to assets | 0.0362% | 3,071 |
| Net operating income to assets | 0.6909% | 3,749 |
| Return on assets (ROA) | 0.7404% | 3,571 |
| Pretax return on assets | 0.8436% | 3,958 |
| Return on Equity (ROE) | 7.8474% | 2,997 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,203 |
| Net charge-offs to loans | -0.0139% | 4,556 |
| Credit loss provision to net charge-offs | -450.0000% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5340% | 1,558 |
| Assets per employee ($millions) | 3.9356% | 4,120 |
| Cash dividends to net income (ytd only)* | 43.2990% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,380 |
| Loan loss allowance to noncurrent loans | 538.3860% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 4,696 |
| Noncurrent loans to loans | 0.2474% | 4,219 |
| Net loans and leases to total assets | 56.4092% | 4,128 |
| Net loans and leases to deposits | 67.8964% | 4,002 |
| Net loans and leases to core deposits | 68.8501% | 4,230 |
| Total domestic deposits to total assets | 83.0813% | 3,805 |
| Equity capital to assets | 9.3923% | 4,397 |
| Core capital (leverage) ratio | 10.0713% | 3,412 |
| Tier 1 risk-based capital ratio | 13.9676% | 3,502 |
| Total risk-based capital ratio | 15.0987% | 3,482 |
| Memoranda: | ||
| Average total assets | $995,724,000 | 750 |
| Average earning assets | $913,256,500 | 754 |
| Average equity | $93,942,000 | 870 |
| Average total loans | $575,061,000 | 904 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 5,226 |
| Cost of funding earning assets | 0.3513% | 3,502 |
| Net interest margin | 2.9058% | 5,133 |
| Noninterest income to average assets | 0.9290% | 1,325 |
| Noninterest expense to average assets | 2.8622% | 2,807 |
| Loan and lease loss provision to assets | 0.0344% | 3,675 |
| Net operating income to assets | 0.5987% | 4,211 |
| Return on assets (ROA) | 0.7967% | 3,417 |
| Pretax return on assets | 0.9400% | 3,695 |
| Return on Equity (ROE) | 7.8429% | 3,033 |
| Retained earnings to average equity (ytd only) | 4.0841% | 3,011 |
| Net charge-offs to loans | -0.0288% | 5,228 |
| Credit loss provision to net charge-offs | -204.4025% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4246% | 1,490 |
| Assets per employee ($millions) | 4.0827% | 3,825 |
| Cash dividends to net income (ytd only)* | 47.9266% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,448 |
| Loan loss allowance to noncurrent loans | 684.3439% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 4,862 |
| Noncurrent loans to loans | 0.1925% | 4,472 |
| Net loans and leases to total assets | 57.5808% | 4,110 |
| Net loans and leases to deposits | 69.1932% | 3,985 |
| Net loans and leases to core deposits | 70.4704% | 4,202 |
| Total domestic deposits to total assets | 83.2174% | 3,692 |
| Equity capital to assets | 9.4778% | 4,294 |
| Core capital (leverage) ratio | 10.0541% | 3,424 |
| Tier 1 risk-based capital ratio | 13.8681% | 3,538 |
| Total risk-based capital ratio | 14.9851% | 3,528 |
| Memoranda: | ||
| Average total assets | $944,349,600 | 762 |
| Average earning assets | $869,218,800 | 753 |
| Average equity | $95,933,400 | 828 |
| Average total loans | $552,435,200 | 898 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 5,388 |
| Cost of funding earning assets | 0.3589% | 3,446 |
| Net interest margin | 2.8219% | 5,320 |
| Noninterest income to average assets | 0.9182% | 1,352 |
| Noninterest expense to average assets | 2.8238% | 2,923 |
| Loan and lease loss provision to assets | 0.0285% | 3,668 |
| Net operating income to assets | 0.5638% | 4,443 |
| Return on assets (ROA) | 0.8221% | 3,407 |
| Pretax return on assets | 0.9712% | 3,734 |
| Return on Equity (ROE) | 7.9526% | 3,034 |
| Retained earnings to average equity (ytd only) | 4.0757% | 3,402 |
| Net charge-offs to loans | -0.0383% | 5,269 |
| Credit loss provision to net charge-offs | -127.3885% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2294% | 1,414 |
| Assets per employee ($millions) | 4.2531% | 3,501 |
| Cash dividends to net income (ytd only)* | 48.7505% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,672 |
| Loan loss allowance to noncurrent loans | 505.4385% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 4,835 |
| Noncurrent loans to loans | 0.2578% | 4,343 |
| Net loans and leases to total assets | 58.0643% | 4,088 |
| Net loans and leases to deposits | 70.9822% | 3,890 |
| Net loans and leases to core deposits | 72.4810% | 4,122 |
| Total domestic deposits to total assets | 81.8012% | 4,001 |
| Equity capital to assets | 10.1424% | 3,992 |
| Core capital (leverage) ratio | 10.2090% | 3,327 |
| Tier 1 risk-based capital ratio | 13.9690% | 3,574 |
| Total risk-based capital ratio | 15.0908% | 3,570 |
| Memoranda: | ||
| Average total assets | $934,453,500 | 769 |
| Average earning assets | $861,480,000 | 762 |
| Average equity | $96,603,000 | 824 |
| Average total loans | $547,014,250 | 900 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0958% | 5,549 |
| Cost of funding earning assets | 0.3687% | 3,368 |
| Net interest margin | 2.7272% | 5,538 |
| Noninterest income to average assets | 0.8826% | 1,431 |
| Noninterest expense to average assets | 2.8345% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4828% | 4,754 |
| Return on assets (ROA) | 0.7933% | 3,483 |
| Pretax return on assets | 0.9234% | 3,862 |
| Return on Equity (ROE) | 7.6234% | 3,189 |
| Retained earnings to average equity (ytd only) | 4.4178% | 3,102 |
| Net charge-offs to loans | -0.0627% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4471% | 1,098 |
| Assets per employee ($millions) | 4.1919% | 3,585 |
| Cash dividends to net income (ytd only)* | 42.0492% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 2,694 |
| Loan loss allowance to noncurrent loans | 734.9899% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 5,091 |
| Noncurrent loans to loans | 0.1791% | 4,718 |
| Net loans and leases to total assets | 57.8619% | 4,130 |
| Net loans and leases to deposits | 70.5534% | 3,932 |
| Net loans and leases to core deposits | 72.0895% | 4,170 |
| Total domestic deposits to total assets | 82.0115% | 3,991 |
| Equity capital to assets | 10.4702% | 3,669 |
| Core capital (leverage) ratio | 10.4073% | 3,070 |
| Tier 1 risk-based capital ratio | 14.4378% | 3,357 |
| Total risk-based capital ratio | 15.5816% | 3,339 |
| Memoranda: | ||
| Average total assets | $922,700,000 | 780 |
| Average earning assets | $850,623,000 | 772 |
| Average equity | $96,020,000 | 825 |
| Average total loans | $539,188,000 | 906 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2649% | 5,386 |
| Cost of funding earning assets | 0.3849% | 3,249 |
| Net interest margin | 2.8801% | 5,358 |
| Noninterest income to average assets | 0.8415% | 1,469 |
| Noninterest expense to average assets | 2.8228% | 2,982 |
| Loan and lease loss provision to assets | -0.0219% | 5,912 |
| Net operating income to assets | 0.5789% | 4,277 |
| Return on assets (ROA) | 0.8463% | 3,133 |
| Pretax return on assets | 1.0134% | 3,429 |
| Return on Equity (ROE) | 8.1583% | 2,826 |
| Retained earnings to average equity (ytd only) | 4.9161% | 2,989 |
| Net charge-offs to loans | -0.0090% | 4,484 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7457% | 1,518 |
| Assets per employee ($millions) | 4.2194% | 3,548 |
| Cash dividends to net income (ytd only)* | 39.7416% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,966 |
| Loan loss allowance to noncurrent loans | 1,049.1803% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 5,298 |
| Noncurrent loans to loans | 0.1230% | 4,982 |
| Net loans and leases to total assets | 58.2809% | 4,011 |
| Net loans and leases to deposits | 71.8029% | 3,667 |
| Net loans and leases to core deposits | 73.4108% | 3,948 |
| Total domestic deposits to total assets | 81.1680% | 4,437 |
| Equity capital to assets | 10.3620% | 3,669 |
| Core capital (leverage) ratio | 10.4556% | 3,016 |
| Tier 1 risk-based capital ratio | 14.3387% | 3,475 |
| Total risk-based capital ratio | 15.4515% | 3,496 |
| Memoranda: | ||
| Average total assets | $914,553,000 | 791 |
| Average earning assets | $842,894,500 | 783 |
| Average equity | $94,872,500 | 833 |
| Average total loans | $533,498,500 | 914 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 5,257 |
| Cost of funding earning assets | 0.4675% | 2,459 |
| Net interest margin | 2.8824% | 5,364 |
| Noninterest income to average assets | 0.8280% | 1,681 |
| Noninterest expense to average assets | 2.8186% | 3,155 |
| Loan and lease loss provision to assets | 0.0172% | 4,064 |
| Net operating income to assets | 0.5369% | 4,553 |
| Return on assets (ROA) | 0.8082% | 3,381 |
| Pretax return on assets | 0.9641% | 3,601 |
| Return on Equity (ROE) | 7.5666% | 3,208 |
| Retained earnings to average equity (ytd only) | 3.7194% | 3,404 |
| Net charge-offs to loans | 0.0433% | 3,348 |
| Credit loss provision to net charge-offs | 70.4225% | 3,119 |
| Earnings coverage of net charge-offs (x) | 26.9296% | 1,565 |
| Efficiency ratio | 81.0681% | 1,524 |
| Assets per employee ($millions) | 4.1707% | 3,628 |
| Cash dividends to net income (ytd only)* | 50.8448% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 2,632 |
| Loan loss allowance to noncurrent loans | 932.5428% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,295 |
| Noncurrent loans to loans | 0.1456% | 4,911 |
| Net loans and leases to total assets | 56.8290% | 4,218 |
| Net loans and leases to deposits | 69.4510% | 3,976 |
| Net loans and leases to core deposits | 71.8598% | 4,144 |
| Total domestic deposits to total assets | 81.8260% | 4,216 |
| Equity capital to assets | 10.3855% | 3,507 |
| Core capital (leverage) ratio | 10.6681% | 2,748 |
| Tier 1 risk-based capital ratio | 14.6149% | 3,372 |
| Total risk-based capital ratio | 15.7829% | 3,339 |
| Memoranda: | ||
| Average total assets | $871,419,800 | 788 |
| Average earning assets | $800,820,800 | 784 |
| Average equity | $93,079,800 | 816 |
| Average total loans | $491,702,600 | 954 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 5,162 |
| Cost of funding earning assets | 0.4864% | 2,354 |
| Net interest margin | 2.9334% | 5,346 |
| Noninterest income to average assets | 0.8106% | 1,771 |
| Noninterest expense to average assets | 2.8238% | 3,095 |
| Loan and lease loss provision to assets | 0.0232% | 3,811 |
| Net operating income to assets | 0.5584% | 4,567 |
| Return on assets (ROA) | 0.7783% | 3,620 |
| Pretax return on assets | 0.9178% | 3,922 |
| Return on Equity (ROE) | 7.2343% | 3,510 |
| Retained earnings to average equity (ytd only) | 3.9158% | 3,676 |
| Net charge-offs to loans | 0.0509% | 2,885 |
| Credit loss provision to net charge-offs | 81.0811% | 2,597 |
| Earnings coverage of net charge-offs (x) | 23.8703% | 1,716 |
| Efficiency ratio | 80.5411% | 1,572 |
| Assets per employee ($millions) | 3.9437% | 3,987 |
| Cash dividends to net income (ytd only)* | 45.8714% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 2,441 |
| Loan loss allowance to noncurrent loans | 801.1274% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 5,338 |
| Noncurrent loans to loans | 0.1788% | 4,940 |
| Net loans and leases to total assets | 56.6139% | 4,291 |
| Net loans and leases to deposits | 70.5758% | 3,915 |
| Net loans and leases to core deposits | 73.8567% | 4,027 |
| Total domestic deposits to total assets | 80.2171% | 4,690 |
| Equity capital to assets | 10.8829% | 3,148 |
| Core capital (leverage) ratio | 10.6915% | 2,836 |
| Tier 1 risk-based capital ratio | 15.3141% | 3,134 |
| Total risk-based capital ratio | 16.5407% | 3,076 |
| Memoranda: | ||
| Average total assets | $863,012,000 | 803 |
| Average earning assets | $793,020,500 | 793 |
| Average equity | $92,851,250 | 823 |
| Average total loans | $484,276,000 | 968 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,176 |
| Cost of funding earning assets | 0.4951% | 2,293 |
| Net interest margin | 2.9281% | 5,390 |
| Noninterest income to average assets | 0.7960% | 1,797 |
| Noninterest expense to average assets | 2.8266% | 3,146 |
| Loan and lease loss provision to assets | 0.0695% | 2,721 |
| Net operating income to assets | 0.5103% | 4,722 |
| Return on assets (ROA) | 0.7418% | 3,780 |
| Pretax return on assets | 0.8625% | 4,090 |
| Return on Equity (ROE) | 6.9211% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.5882% | 3,742 |
| Net charge-offs to loans | 0.0799% | 2,253 |
| Credit loss provision to net charge-offs | 156.2500% | 1,494 |
| Earnings coverage of net charge-offs (x) | 14.8958% | 2,020 |
| Efficiency ratio | 81.0017% | 1,625 |
| Assets per employee ($millions) | 4.0051% | 3,877 |
| Cash dividends to net income (ytd only)* | 48.1563% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,334 |
| Loan loss allowance to noncurrent loans | 794.8465% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,412 |
| Noncurrent loans to loans | 0.1876% | 5,028 |
| Net loans and leases to total assets | 55.0967% | 4,441 |
| Net loans and leases to deposits | 68.1477% | 4,125 |
| Net loans and leases to core deposits | 71.8057% | 4,159 |
| Total domestic deposits to total assets | 80.8489% | 4,654 |
| Equity capital to assets | 10.5803% | 3,359 |
| Core capital (leverage) ratio | 10.6764% | 2,761 |
| Tier 1 risk-based capital ratio | 15.4169% | 3,153 |
| Total risk-based capital ratio | 16.6667% | 3,086 |
| Memoranda: | ||
| Average total assets | $862,795,000 | 806 |
| Average earning assets | $793,699,330 | 796 |
| Average equity | $92,471,000 | 829 |
| Average total loans | $480,348,330 | 974 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 5,027 |
| Cost of funding earning assets | 0.5127% | 2,176 |
| Net interest margin | 2.9613% | 5,311 |
| Noninterest income to average assets | 0.7631% | 1,850 |
| Noninterest expense to average assets | 2.8454% | 3,085 |
| Loan and lease loss provision to assets | 0.0931% | 2,135 |
| Net operating income to assets | 0.4735% | 4,787 |
| Return on assets (ROA) | 0.6980% | 3,938 |
| Pretax return on assets | 0.8110% | 4,192 |
| Return on Equity (ROE) | 6.4704% | 3,784 |
| Retained earnings to average equity (ytd only) | 3.1446% | 4,098 |
| Net charge-offs to loans | 0.1684% | 1,264 |
| Credit loss provision to net charge-offs | 99.5025% | 1,668 |
| Earnings coverage of net charge-offs (x) | 6.8756% | 2,238 |
| Efficiency ratio | 81.5660% | 1,675 |
| Assets per employee ($millions) | 3.9922% | 3,978 |
| Cash dividends to net income (ytd only)* | 51.4000% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 2,548 |
| Loan loss allowance to noncurrent loans | 678.7072% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 5,418 |
| Noncurrent loans to loans | 0.2177% | 4,999 |
| Net loans and leases to total assets | 55.2160% | 4,292 |
| Net loans and leases to deposits | 68.4019% | 3,917 |
| Net loans and leases to core deposits | 72.2760% | 3,936 |
| Total domestic deposits to total assets | 80.7230% | 4,877 |
| Equity capital to assets | 10.8630% | 3,128 |
| Core capital (leverage) ratio | 10.5897% | 2,859 |
| Tier 1 risk-based capital ratio | 15.4791% | 3,156 |
| Total risk-based capital ratio | 16.7292% | 3,093 |
| Memoranda: | ||
| Average total assets | $859,640,000 | 814 |
| Average earning assets | $791,145,500 | 806 |
| Average equity | $92,729,500 | 832 |
| Average total loans | $477,474,000 | 973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 5,251 |
| Cost of funding earning assets | 0.6082% | 1,698 |
| Net interest margin | 2.9204% | 5,602 |
| Noninterest income to average assets | 0.7675% | 2,004 |
| Noninterest expense to average assets | 2.7749% | 3,580 |
| Loan and lease loss provision to assets | -0.0060% | 5,903 |
| Net operating income to assets | 0.5564% | 4,574 |
| Return on assets (ROA) | 0.8556% | 3,186 |
| Pretax return on assets | 1.0399% | 3,351 |
| Return on Equity (ROE) | 8.1355% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.1034% | 3,283 |
| Net charge-offs to loans | 0.0062% | 4,804 |
| Credit loss provision to net charge-offs | -178.5714% | 5,604 |
| Earnings coverage of net charge-offs (x) | 200.4643% | 268 |
| Efficiency ratio | 80.5718% | 1,839 |
| Assets per employee ($millions) | 3.9859% | 3,987 |
| Cash dividends to net income (ytd only)* | 49.5611% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 2,412 |
| Loan loss allowance to noncurrent loans | 530.5349% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 5,366 |
| Noncurrent loans to loans | 0.2854% | 4,828 |
| Net loans and leases to total assets | 54.2065% | 4,555 |
| Net loans and leases to deposits | 66.3300% | 4,288 |
| Net loans and leases to core deposits | 69.5222% | 4,369 |
| Total domestic deposits to total assets | 81.7224% | 4,514 |
| Equity capital to assets | 10.7105% | 3,221 |
| Core capital (leverage) ratio | 10.5800% | 2,862 |
| Tier 1 risk-based capital ratio | 15.9159% | 3,008 |
| Total risk-based capital ratio | 17.1665% | 2,952 |
| Memoranda: | ||
| Average total assets | $838,866,000 | 804 |
| Average earning assets | $768,841,600 | 791 |
| Average equity | $88,218,800 | 834 |
| Average total loans | $452,501,200 | 976 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 5,252 |
| Cost of funding earning assets | 0.6261% | 1,633 |
| Net interest margin | 2.9302% | 5,636 |
| Noninterest income to average assets | 0.7597% | 2,051 |
| Noninterest expense to average assets | 2.7540% | 3,627 |
| Loan and lease loss provision to assets | -0.0479% | 6,186 |
| Net operating income to assets | 0.6152% | 4,374 |
| Return on assets (ROA) | 0.8607% | 3,210 |
| Pretax return on assets | 1.0338% | 3,453 |
| Return on Equity (ROE) | 8.2233% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.9697% | 3,823 |
| Net charge-offs to loans | -0.0146% | 5,529 |
| Credit loss provision to net charge-offs | 612.2449% | 485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9647% | 1,923 |
| Assets per employee ($millions) | 3.9737% | 3,943 |
| Cash dividends to net income (ytd only)* | 51.7267% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 2,613 |
| Loan loss allowance to noncurrent loans | 439.6215% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,456 |
| Noncurrent loans to loans | 0.3460% | 4,862 |
| Net loans and leases to total assets | 53.0542% | 4,689 |
| Net loans and leases to deposits | 65.5900% | 4,380 |
| Net loans and leases to core deposits | 69.4530% | 4,375 |
| Total domestic deposits to total assets | 80.8877% | 4,851 |
| Equity capital to assets | 10.6366% | 3,384 |
| Core capital (leverage) ratio | 10.5467% | 2,986 |
| Tier 1 risk-based capital ratio | 16.3759% | 2,862 |
| Total risk-based capital ratio | 17.6269% | 2,818 |
| Memoranda: | ||
| Average total assets | $834,340,250 | 814 |
| Average earning assets | $764,348,500 | 802 |
| Average equity | $87,327,000 | 846 |
| Average total loans | $447,708,000 | 989 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 5,112 |
| Cost of funding earning assets | 0.6421% | 1,572 |
| Net interest margin | 2.9704% | 5,590 |
| Noninterest income to average assets | 0.7486% | 2,055 |
| Noninterest expense to average assets | 2.7725% | 3,601 |
| Loan and lease loss provision to assets | -0.0724% | 6,337 |
| Net operating income to assets | 0.6351% | 4,181 |
| Return on assets (ROA) | 0.8808% | 2,989 |
| Pretax return on assets | 1.0608% | 3,241 |
| Return on Equity (ROE) | 8.4626% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.9533% | 2,986 |
| Net charge-offs to loans | -0.0221% | 5,581 |
| Credit loss provision to net charge-offs | 612.2449% | 486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0167% | 2,025 |
| Assets per employee ($millions) | 3.9912% | 3,855 |
| Cash dividends to net income (ytd only)* | 41.4681% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 2,649 |
| Loan loss allowance to noncurrent loans | 551.7023% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 5,690 |
| Noncurrent loans to loans | 0.2818% | 5,174 |
| Net loans and leases to total assets | 51.9089% | 4,752 |
| Net loans and leases to deposits | 64.5342% | 4,436 |
| Net loans and leases to core deposits | 68.3714% | 4,428 |
| Total domestic deposits to total assets | 80.4363% | 5,148 |
| Equity capital to assets | 10.4831% | 3,458 |
| Core capital (leverage) ratio | 10.6318% | 2,787 |
| Tier 1 risk-based capital ratio | 16.6871% | 2,749 |
| Total risk-based capital ratio | 17.9386% | 2,713 |
| Memoranda: | ||
| Average total assets | $828,994,000 | 821 |
| Average earning assets | $758,079,000 | 810 |
| Average equity | $86,285,670 | 852 |
| Average total loans | $444,234,000 | 990 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,925 |
| Cost of funding earning assets | 0.6512% | 1,573 |
| Net interest margin | 3.0248% | 5,463 |
| Noninterest income to average assets | 0.7419% | 1,983 |
| Noninterest expense to average assets | 2.8200% | 3,494 |
| Loan and lease loss provision to assets | -0.0977% | 6,490 |
| Net operating income to assets | 0.6458% | 3,967 |
| Return on assets (ROA) | 0.9115% | 2,669 |
| Pretax return on assets | 1.1065% | 2,877 |
| Return on Equity (ROE) | 8.7900% | 2,554 |
| Retained earnings to average equity (ytd only) | 5.2881% | 2,925 |
| Net charge-offs to loans | -0.0335% | 5,625 |
| Credit loss provision to net charge-offs | 540.5405% | 507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4630% | 2,138 |
| Assets per employee ($millions) | 3.9091% | 4,131 |
| Cash dividends to net income (ytd only)* | 39.8391% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 2,784 |
| Loan loss allowance to noncurrent loans | 412.6316% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 5,578 |
| Noncurrent loans to loans | 0.3833% | 4,975 |
| Net loans and leases to total assets | 53.2368% | 4,523 |
| Net loans and leases to deposits | 65.7564% | 4,125 |
| Net loans and leases to core deposits | 68.8704% | 4,226 |
| Total domestic deposits to total assets | 80.9605% | 5,251 |
| Equity capital to assets | 10.4890% | 3,254 |
| Core capital (leverage) ratio | 10.8750% | 2,517 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,849 |
| Total risk-based capital ratio | 17.8481% | 2,819 |
| Memoranda: | ||
| Average total assets | $818,429,000 | 836 |
| Average earning assets | $747,565,000 | 833 |
| Average equity | $84,869,000 | 869 |
| Average total loans | $442,222,000 | 1,000 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 5,287 |
| Cost of funding earning assets | 0.7298% | 1,625 |
| Net interest margin | 2.9175% | 5,754 |
| Noninterest income to average assets | 0.7695% | 2,217 |
| Noninterest expense to average assets | 2.7129% | 4,048 |
| Loan and lease loss provision to assets | -0.0280% | 6,322 |
| Net operating income to assets | 0.6398% | 4,075 |
| Return on assets (ROA) | 0.9736% | 2,518 |
| Pretax return on assets | 1.1605% | 2,731 |
| Return on Equity (ROE) | 9.1240% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.6639% | 2,178 |
| Net charge-offs to loans | 0.0170% | 5,109 |
| Credit loss provision to net charge-offs | -312.5000% | 6,062 |
| Earnings coverage of net charge-offs (x) | 82.0139% | 543 |
| Efficiency ratio | 78.6800% | 2,364 |
| Assets per employee ($millions) | 3.6911% | 4,498 |
| Cash dividends to net income (ytd only)* | 37.9235% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 2,581 |
| Loan loss allowance to noncurrent loans | 541.9670% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 5,807 |
| Noncurrent loans to loans | 0.3039% | 5,280 |
| Net loans and leases to total assets | 53.0839% | 4,712 |
| Net loans and leases to deposits | 65.6200% | 4,341 |
| Net loans and leases to core deposits | 68.8962% | 4,404 |
| Total domestic deposits to total assets | 80.8959% | 5,210 |
| Equity capital to assets | 10.2486% | 3,447 |
| Core capital (leverage) ratio | 10.7442% | 2,630 |
| Tier 1 risk-based capital ratio | 16.5194% | 2,848 |
| Total risk-based capital ratio | 17.7718% | 2,814 |
| Memoranda: | ||
| Average total assets | $803,277,600 | 828 |
| Average earning assets | $737,487,800 | 820 |
| Average equity | $85,719,000 | 832 |
| Average total loans | $424,722,600 | 1,008 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 5,387 |
| Cost of funding earning assets | 0.7419% | 1,653 |
| Net interest margin | 2.8775% | 5,861 |
| Noninterest income to average assets | 0.7676% | 2,288 |
| Noninterest expense to average assets | 2.6763% | 4,109 |
| Loan and lease loss provision to assets | -0.0250% | 6,501 |
| Net operating income to assets | 0.6515% | 4,112 |
| Return on assets (ROA) | 0.9462% | 2,721 |
| Pretax return on assets | 1.1056% | 3,092 |
| Return on Equity (ROE) | 8.7787% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.3429% | 2,838 |
| Net charge-offs to loans | 0.0263% | 4,599 |
| Credit loss provision to net charge-offs | -180.7229% | 5,880 |
| Earnings coverage of net charge-offs (x) | 53.4235% | 826 |
| Efficiency ratio | 78.3855% | 2,361 |
| Assets per employee ($millions) | 3.5459% | 4,754 |
| Cash dividends to net income (ytd only)* | 39.1381% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 2,729 |
| Loan loss allowance to noncurrent loans | 506.4673% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 5,804 |
| Noncurrent loans to loans | 0.3296% | 5,394 |
| Net loans and leases to total assets | 54.0040% | 4,613 |
| Net loans and leases to deposits | 66.7235% | 4,214 |
| Net loans and leases to core deposits | 70.3609% | 4,283 |
| Total domestic deposits to total assets | 80.9370% | 5,229 |
| Equity capital to assets | 10.5452% | 3,222 |
| Core capital (leverage) ratio | 10.6962% | 2,797 |
| Tier 1 risk-based capital ratio | 16.3823% | 2,997 |
| Total risk-based capital ratio | 17.6351% | 2,959 |
| Memoranda: | ||
| Average total assets | $801,088,250 | 835 |
| Average earning assets | $736,819,500 | 824 |
| Average equity | $86,343,250 | 824 |
| Average total loans | $421,333,500 | 1,016 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 5,486 |
| Cost of funding earning assets | 0.7508% | 1,700 |
| Net interest margin | 2.8325% | 5,938 |
| Noninterest income to average assets | 0.7882% | 2,247 |
| Noninterest expense to average assets | 2.6785% | 4,112 |
| Loan and lease loss provision to assets | -0.0373% | 6,627 |
| Net operating income to assets | 0.6445% | 4,084 |
| Return on assets (ROA) | 0.9759% | 2,586 |
| Pretax return on assets | 1.1462% | 2,901 |
| Return on Equity (ROE) | 8.9903% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.5868% | 2,682 |
| Net charge-offs to loans | 0.0447% | 4,053 |
| Credit loss provision to net charge-offs | -161.2903% | 5,686 |
| Earnings coverage of net charge-offs (x) | 31.0538% | 1,121 |
| Efficiency ratio | 78.8378% | 2,333 |
| Assets per employee ($millions) | 3.7426% | 4,317 |
| Cash dividends to net income (ytd only)* | 37.8571% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 2,641 |
| Loan loss allowance to noncurrent loans | 498.1507% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,864 |
| Noncurrent loans to loans | 0.3486% | 5,418 |
| Net loans and leases to total assets | 50.6750% | 5,038 |
| Net loans and leases to deposits | 63.2305% | 4,598 |
| Net loans and leases to core deposits | 66.6779% | 4,628 |
| Total domestic deposits to total assets | 80.1433% | 5,575 |
| Equity capital to assets | 10.3024% | 3,542 |
| Core capital (leverage) ratio | 10.5303% | 2,844 |
| Tier 1 risk-based capital ratio | 16.2684% | 3,058 |
| Total risk-based capital ratio | 17.5212% | 3,006 |
| Memoranda: | ||
| Average total assets | $803,359,000 | 833 |
| Average earning assets | $740,041,330 | 819 |
| Average equity | $87,205,000 | 815 |
| Average total loans | $416,370,000 | 1,025 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 5,431 |
| Cost of funding earning assets | 0.7755% | 1,676 |
| Net interest margin | 2.8324% | 5,966 |
| Noninterest income to average assets | 0.7935% | 2,150 |
| Noninterest expense to average assets | 2.6765% | 4,163 |
| Loan and lease loss provision to assets | -0.0250% | 6,757 |
| Net operating income to assets | 0.6343% | 4,058 |
| Return on assets (ROA) | 1.0203% | 2,260 |
| Pretax return on assets | 1.2166% | 2,515 |
| Return on Equity (ROE) | 9.1624% | 2,408 |
| Retained earnings to average equity (ytd only) | 5.8265% | 2,764 |
| Net charge-offs to loans | 0.1050% | 2,820 |
| Credit loss provision to net charge-offs | -45.8716% | 5,048 |
| Earnings coverage of net charge-offs (x) | 13.4128% | 1,529 |
| Efficiency ratio | 78.5253% | 2,530 |
| Assets per employee ($millions) | 3.7326% | 4,482 |
| Cash dividends to net income (ytd only)* | 36.4082% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,726 |
| Loan loss allowance to noncurrent loans | 528.9001% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 5,947 |
| Noncurrent loans to loans | 0.3351% | 5,565 |
| Net loans and leases to total assets | 51.0534% | 4,834 |
| Net loans and leases to deposits | 63.7976% | 4,340 |
| Net loans and leases to core deposits | 66.7587% | 4,438 |
| Total domestic deposits to total assets | 80.0241% | 5,749 |
| Equity capital to assets | 11.1373% | 2,803 |
| Core capital (leverage) ratio | 10.5656% | 2,692 |
| Tier 1 risk-based capital ratio | 16.3101% | 3,105 |
| Total risk-based capital ratio | 17.5635% | 3,052 |
| Memoranda: | ||
| Average total assets | $798,968,500 | 838 |
| Average earning assets | $737,595,000 | 832 |
| Average equity | $88,972,500 | 806 |
| Average total loans | $415,142,500 | 1,031 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 5,451 |
| Cost of funding earning assets | 0.8952% | 1,965 |
| Net interest margin | 3.0505% | 5,930 |
| Noninterest income to average assets | 0.8139% | 2,201 |
| Noninterest expense to average assets | 2.7009% | 4,395 |
| Loan and lease loss provision to assets | -0.1252% | 6,939 |
| Net operating income to assets | 0.8955% | 2,846 |
| Return on assets (ROA) | 0.9993% | 2,562 |
| Pretax return on assets | 1.1656% | 2,923 |
| Return on Equity (ROE) | 9.1022% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.7648% | 2,213 |
| Net charge-offs to loans | -0.0027% | 6,344 |
| Credit loss provision to net charge-offs | 8,863.6364% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5983% | 2,972 |
| Assets per employee ($millions) | 3.8794% | 4,203 |
| Cash dividends to net income (ytd only)* | 36.6662% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 2,558 |
| Loan loss allowance to noncurrent loans | 466.2531% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 5,965 |
| Noncurrent loans to loans | 0.3883% | 5,518 |
| Net loans and leases to total assets | 51.0047% | 5,036 |
| Net loans and leases to deposits | 64.3311% | 4,495 |
| Net loans and leases to core deposits | 67.2280% | 4,622 |
| Total domestic deposits to total assets | 79.2846% | 5,826 |
| Equity capital to assets | 11.1345% | 2,800 |
| Core capital (leverage) ratio | 10.4113% | 2,872 |
| Tier 1 risk-based capital ratio | 16.8334% | 2,735 |
| Total risk-based capital ratio | 18.0879% | 2,693 |
| Memoranda: | ||
| Average total assets | $778,641,800 | 849 |
| Average earning assets | $716,405,400 | 834 |
| Average equity | $85,485,000 | 818 |
| Average total loans | $409,232,600 | 1,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 5,456 |
| Cost of funding earning assets | 0.9227% | 2,028 |
| Net interest margin | 3.0980% | 5,942 |
| Noninterest income to average assets | 0.8169% | 2,167 |
| Noninterest expense to average assets | 2.6971% | 4,375 |
| Loan and lease loss provision to assets | -0.1465% | 7,071 |
| Net operating income to assets | 0.9425% | 2,780 |
| Return on assets (ROA) | 1.0752% | 2,391 |
| Pretax return on assets | 1.2752% | 2,691 |
| Return on Equity (ROE) | 9.8299% | 2,427 |
| Retained earnings to average equity (ytd only) | 6.4561% | 2,401 |
| Net charge-offs to loans | -0.0046% | 6,269 |
| Credit loss provision to net charge-offs | 6,071.4286% | 42 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5360% | 3,061 |
| Assets per employee ($millions) | 3.8097% | 4,283 |
| Cash dividends to net income (ytd only)* | 34.3219% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,479 |
| Loan loss allowance to noncurrent loans | 503.5573% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 6,137 |
| Noncurrent loans to loans | 0.3771% | 5,715 |
| Net loans and leases to total assets | 50.3177% | 5,277 |
| Net loans and leases to deposits | 63.6347% | 4,760 |
| Net loans and leases to core deposits | 67.4876% | 4,777 |
| Total domestic deposits to total assets | 79.0728% | 5,857 |
| Equity capital to assets | 11.2387% | 2,997 |
| Core capital (leverage) ratio | 10.4740% | 2,949 |
| Tier 1 risk-based capital ratio | 17.2225% | 2,638 |
| Total risk-based capital ratio | 18.4778% | 2,593 |
| Memoranda: | ||
| Average total assets | $773,511,250 | 864 |
| Average earning assets | $711,789,250 | 849 |
| Average equity | $84,610,500 | 833 |
| Average total loans | $407,759,000 | 1,030 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 5,323 |
| Cost of funding earning assets | 0.9513% | 2,058 |
| Net interest margin | 3.1461% | 5,874 |
| Noninterest income to average assets | 0.8634% | 1,917 |
| Noninterest expense to average assets | 2.7544% | 4,204 |
| Loan and lease loss provision to assets | -0.1559% | 7,135 |
| Net operating income to assets | 0.9780% | 2,554 |
| Return on assets (ROA) | 1.1050% | 2,244 |
| Pretax return on assets | 1.3067% | 2,535 |
| Return on Equity (ROE) | 10.1974% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.7759% | 2,234 |
| Net charge-offs to loans | 0.0015% | 5,498 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,620 |
| Earnings coverage of net charge-offs (x) | 1,284.6667% | 20 |
| Efficiency ratio | 73.3379% | 3,184 |
| Assets per employee ($millions) | 3.7884% | 4,343 |
| Cash dividends to net income (ytd only)* | 33.5528% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,351 |
| Loan loss allowance to noncurrent loans | 477.6834% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 6,199 |
| Noncurrent loans to loans | 0.4097% | 5,717 |
| Net loans and leases to total assets | 50.8171% | 5,248 |
| Net loans and leases to deposits | 64.1440% | 4,751 |
| Net loans and leases to core deposits | 67.9266% | 4,796 |
| Total domestic deposits to total assets | 79.2235% | 5,914 |
| Equity capital to assets | 11.0041% | 3,110 |
| Core capital (leverage) ratio | 10.3848% | 2,937 |
| Tier 1 risk-based capital ratio | 17.0148% | 2,655 |
| Total risk-based capital ratio | 18.2708% | 2,617 |
| Memoranda: | ||
| Average total assets | $769,746,000 | 866 |
| Average earning assets | $707,675,000 | 853 |
| Average equity | $83,413,330 | 832 |
| Average total loans | $409,498,330 | 1,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 5,239 |
| Cost of funding earning assets | 0.9884% | 2,043 |
| Net interest margin | 3.1731% | 5,836 |
| Noninterest income to average assets | 0.9500% | 1,570 |
| Noninterest expense to average assets | 2.8145% | 3,973 |
| Loan and lease loss provision to assets | -0.1305% | 7,193 |
| Net operating income to assets | 1.0104% | 2,438 |
| Return on assets (ROA) | 1.1635% | 2,027 |
| Pretax return on assets | 1.3634% | 2,317 |
| Return on Equity (ROE) | 10.8218% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.3553% | 2,254 |
| Net charge-offs to loans | 0.0213% | 4,387 |
| Credit loss provision to net charge-offs | -1,136.3636% | 5,941 |
| Earnings coverage of net charge-offs (x) | 91.6818% | 374 |
| Efficiency ratio | 72.7764% | 3,294 |
| Assets per employee ($millions) | 3.7671% | 4,503 |
| Cash dividends to net income (ytd only)* | 32.0323% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 2,371 |
| Loan loss allowance to noncurrent loans | 438.2274% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,233 |
| Noncurrent loans to loans | 0.4553% | 5,769 |
| Net loans and leases to total assets | 52.4651% | 4,952 |
| Net loans and leases to deposits | 66.4314% | 4,313 |
| Net loans and leases to core deposits | 69.4701% | 4,505 |
| Total domestic deposits to total assets | 78.9763% | 6,080 |
| Equity capital to assets | 10.8218% | 3,115 |
| Core capital (leverage) ratio | 10.3182% | 2,973 |
| Tier 1 risk-based capital ratio | 16.6461% | 2,840 |
| Total risk-based capital ratio | 17.9031% | 2,794 |
| Memoranda: | ||
| Average total assets | $766,306,000 | 872 |
| Average earning assets | $704,552,500 | 857 |
| Average equity | $82,389,500 | 842 |
| Average total loans | $412,979,500 | 1,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 5,088 |
| Cost of funding earning assets | 1.1871% | 2,112 |
| Net interest margin | 3.3092% | 5,781 |
| Noninterest income to average assets | 0.7363% | 2,412 |
| Noninterest expense to average assets | 2.6431% | 4,948 |
| Loan and lease loss provision to assets | 0.2077% | 4,110 |
| Net operating income to assets | 0.7888% | 3,090 |
| Return on assets (ROA) | 0.9589% | 2,498 |
| Pretax return on assets | 1.1154% | 2,781 |
| Return on Equity (ROE) | 9.3623% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.8324% | 2,112 |
| Net charge-offs to loans | 0.0548% | 5,772 |
| Credit loss provision to net charge-offs | 693.8326% | 319 |
| Earnings coverage of net charge-offs (x) | 37.5815% | 713 |
| Efficiency ratio | 70.1390% | 3,917 |
| Assets per employee ($millions) | 3.7642% | 4,404 |
| Cash dividends to net income (ytd only)* | 37.7029% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 2,139 |
| Loan loss allowance to noncurrent loans | 430.6755% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 6,323 |
| Noncurrent loans to loans | 0.4750% | 5,759 |
| Net loans and leases to total assets | 53.1436% | 5,150 |
| Net loans and leases to deposits | 66.9577% | 4,588 |
| Net loans and leases to core deposits | 70.2059% | 4,752 |
| Total domestic deposits to total assets | 79.3688% | 5,900 |
| Equity capital to assets | 10.6808% | 3,323 |
| Core capital (leverage) ratio | 10.1058% | 3,220 |
| Tier 1 risk-based capital ratio | 16.4289% | 2,852 |
| Total risk-based capital ratio | 17.6863% | 2,812 |
| Memoranda: | ||
| Average total assets | $758,123,200 | 868 |
| Average earning assets | $694,645,400 | 864 |
| Average equity | $77,652,200 | 866 |
| Average total loans | $414,431,400 | 1,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 5,063 |
| Cost of funding earning assets | 1.2209% | 2,187 |
| Net interest margin | 3.3350% | 5,756 |
| Noninterest income to average assets | 0.7213% | 2,477 |
| Noninterest expense to average assets | 2.6184% | 5,007 |
| Loan and lease loss provision to assets | 0.2379% | 3,625 |
| Net operating income to assets | 0.7906% | 3,212 |
| Return on assets (ROA) | 0.9491% | 2,702 |
| Pretax return on assets | 1.1024% | 2,999 |
| Return on Equity (ROE) | 9.3673% | 2,440 |
| Retained earnings to average equity (ytd only) | 5.7916% | 2,683 |
| Net charge-offs to loans | 0.0737% | 5,223 |
| Credit loss provision to net charge-offs | 589.5197% | 460 |
| Earnings coverage of net charge-offs (x) | 28.6459% | 960 |
| Efficiency ratio | 69.3730% | 4,066 |
| Assets per employee ($millions) | 3.7501% | 4,410 |
| Cash dividends to net income (ytd only)* | 38.1730% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 2,280 |
| Loan loss allowance to noncurrent loans | 347.0563% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 6,177 |
| Noncurrent loans to loans | 0.5819% | 5,712 |
| Net loans and leases to total assets | 52.0836% | 5,437 |
| Net loans and leases to deposits | 66.2642% | 4,862 |
| Net loans and leases to core deposits | 69.9884% | 4,945 |
| Total domestic deposits to total assets | 78.5998% | 6,073 |
| Equity capital to assets | 10.5167% | 3,686 |
| Core capital (leverage) ratio | 9.9796% | 3,471 |
| Tier 1 risk-based capital ratio | 16.5289% | 2,847 |
| Total risk-based capital ratio | 17.7862% | 2,807 |
| Memoranda: | ||
| Average total assets | $756,622,500 | 870 |
| Average earning assets | $692,680,250 | 870 |
| Average equity | $76,661,500 | 882 |
| Average total loans | $414,398,250 | 1,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 4,998 |
| Cost of funding earning assets | 1.2482% | 2,260 |
| Net interest margin | 3.3435% | 5,729 |
| Noninterest income to average assets | 0.7101% | 2,499 |
| Noninterest expense to average assets | 2.6328% | 5,068 |
| Loan and lease loss provision to assets | 0.2392% | 3,524 |
| Net operating income to assets | 0.7691% | 3,205 |
| Return on assets (ROA) | 0.9652% | 2,473 |
| Pretax return on assets | 1.1186% | 2,775 |
| Return on Equity (ROE) | 9.6512% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.0081% | 2,423 |
| Net charge-offs to loans | 0.1110% | 4,585 |
| Credit loss provision to net charge-offs | 389.6104% | 774 |
| Earnings coverage of net charge-offs (x) | 18.4026% | 1,261 |
| Efficiency ratio | 69.9746% | 4,124 |
| Assets per employee ($millions) | 3.7351% | 4,348 |
| Cash dividends to net income (ytd only)* | 37.7478% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 2,649 |
| Loan loss allowance to noncurrent loans | 333.3761% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 6,227 |
| Noncurrent loans to loans | 0.5718% | 5,782 |
| Net loans and leases to total assets | 53.2081% | 5,399 |
| Net loans and leases to deposits | 67.5430% | 4,779 |
| Net loans and leases to core deposits | 70.3568% | 5,029 |
| Total domestic deposits to total assets | 78.7766% | 6,138 |
| Equity capital to assets | 10.3344% | 3,705 |
| Core capital (leverage) ratio | 9.9729% | 3,294 |
| Tier 1 risk-based capital ratio | 16.4765% | 2,755 |
| Total risk-based capital ratio | 17.7329% | 2,710 |
| Memoranda: | ||
| Average total assets | $752,570,670 | 888 |
| Average earning assets | $687,063,670 | 885 |
| Average equity | $75,265,330 | 901 |
| Average total loans | $416,311,000 | 1,029 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 4,977 |
| Cost of funding earning assets | 1.2862% | 2,265 |
| Net interest margin | 3.3075% | 5,750 |
| Noninterest income to average assets | 0.7680% | 2,170 |
| Noninterest expense to average assets | 2.6514% | 5,028 |
| Loan and lease loss provision to assets | 0.2395% | 3,273 |
| Net operating income to assets | 0.7617% | 3,211 |
| Return on assets (ROA) | 0.9159% | 2,546 |
| Pretax return on assets | 1.0617% | 2,894 |
| Return on Equity (ROE) | 9.3138% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.6067% | 2,849 |
| Net charge-offs to loans | -0.0010% | 6,169 |
| Credit loss provision to net charge-offs | -45,000.0000% | 6,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2680% | 4,203 |
| Assets per employee ($millions) | 3.8158% | 4,267 |
| Cash dividends to net income (ytd only)* | 39.8024% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 3,043 |
| Loan loss allowance to noncurrent loans | 344.5252% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,340 |
| Noncurrent loans to loans | 0.5195% | 5,988 |
| Net loans and leases to total assets | 55.0730% | 5,150 |
| Net loans and leases to deposits | 69.8422% | 4,364 |
| Net loans and leases to core deposits | 72.7060% | 4,694 |
| Total domestic deposits to total assets | 78.8535% | 6,227 |
| Equity capital to assets | 9.8628% | 3,951 |
| Core capital (leverage) ratio | 9.9492% | 3,203 |
| Tier 1 risk-based capital ratio | 16.0065% | 2,898 |
| Total risk-based capital ratio | 17.2622% | 2,872 |
| Memoranda: | ||
| Average total assets | $751,607,000 | 893 |
| Average earning assets | $682,931,500 | 896 |
| Average equity | $73,911,500 | 908 |
| Average total loans | $419,839,000 | 1,028 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 5,180 |
| Cost of funding earning assets | 1.5661% | 2,266 |
| Net interest margin | 3.2974% | 5,988 |
| Noninterest income to average assets | 0.7807% | 2,375 |
| Noninterest expense to average assets | 2.6564% | 5,191 |
| Loan and lease loss provision to assets | 0.2418% | 4,867 |
| Net operating income to assets | 0.7534% | 2,985 |
| Return on assets (ROA) | 0.8670% | 2,661 |
| Pretax return on assets | 0.9966% | 2,938 |
| Return on Equity (ROE) | 8.8800% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.1205% | 2,351 |
| Net charge-offs to loans | 0.1357% | 5,559 |
| Credit loss provision to net charge-offs | 310.3448% | 854 |
| Earnings coverage of net charge-offs (x) | 14.2172% | 1,357 |
| Efficiency ratio | 70.5689% | 4,059 |
| Assets per employee ($millions) | 3.8147% | 4,221 |
| Cash dividends to net income (ytd only)* | 42.3369% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 3,161 |
| Loan loss allowance to noncurrent loans | 176.8411% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,840 |
| Noncurrent loans to loans | 0.9695% | 5,111 |
| Net loans and leases to total assets | 54.6848% | 5,545 |
| Net loans and leases to deposits | 68.5521% | 5,025 |
| Net loans and leases to core deposits | 71.9476% | 5,220 |
| Total domestic deposits to total assets | 79.7712% | 5,894 |
| Equity capital to assets | 9.8045% | 3,993 |
| Core capital (leverage) ratio | 9.6324% | 3,508 |
| Tier 1 risk-based capital ratio | 16.0803% | 2,712 |
| Total risk-based capital ratio | 17.3350% | 2,671 |
| Memoranda: | ||
| Average total assets | $744,302,200 | 909 |
| Average earning assets | $673,461,600 | 908 |
| Average equity | $72,669,000 | 920 |
| Average total loans | $427,303,200 | 1,043 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 5,240 |
| Cost of funding earning assets | 1.6113% | 2,326 |
| Net interest margin | 3.2951% | 6,033 |
| Noninterest income to average assets | 0.7778% | 2,335 |
| Noninterest expense to average assets | 2.6608% | 5,060 |
| Loan and lease loss provision to assets | 0.2421% | 4,663 |
| Net operating income to assets | 0.7494% | 3,214 |
| Return on assets (ROA) | 0.8641% | 2,899 |
| Pretax return on assets | 0.9943% | 3,205 |
| Return on Equity (ROE) | 8.8593% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.0953% | 2,916 |
| Net charge-offs to loans | 0.1699% | 4,946 |
| Credit loss provision to net charge-offs | 246.3504% | 1,358 |
| Earnings coverage of net charge-offs (x) | 11.2390% | 1,813 |
| Efficiency ratio | 70.6658% | 3,945 |
| Assets per employee ($millions) | 3.8290% | 4,199 |
| Cash dividends to net income (ytd only)* | 42.4866% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 3,675 |
| Loan loss allowance to noncurrent loans | 155.1652% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,837 |
| Noncurrent loans to loans | 1.0096% | 5,217 |
| Net loans and leases to total assets | 56.2150% | 5,518 |
| Net loans and leases to deposits | 70.8708% | 5,022 |
| Net loans and leases to core deposits | 75.1004% | 5,168 |
| Total domestic deposits to total assets | 79.3203% | 5,926 |
| Equity capital to assets | 10.1940% | 3,888 |
| Core capital (leverage) ratio | 9.5463% | 3,836 |
| Tier 1 risk-based capital ratio | 15.6375% | 2,938 |
| Total risk-based capital ratio | 16.8908% | 2,893 |
| Memoranda: | ||
| Average total assets | $743,455,250 | 911 |
| Average earning assets | $674,072,500 | 911 |
| Average equity | $72,509,500 | 919 |
| Average total loans | $430,127,750 | 1,047 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 5,430 |
| Cost of funding earning assets | 1.6388% | 2,441 |
| Net interest margin | 3.2526% | 6,161 |
| Noninterest income to average assets | 0.8166% | 2,034 |
| Noninterest expense to average assets | 2.6649% | 5,058 |
| Loan and lease loss provision to assets | 0.2429% | 4,491 |
| Net operating income to assets | 0.7535% | 3,180 |
| Return on assets (ROA) | 0.8601% | 2,836 |
| Pretax return on assets | 0.9912% | 3,150 |
| Return on Equity (ROE) | 8.9550% | 2,486 |
| Retained earnings to average equity (ytd only) | 5.1224% | 2,837 |
| Net charge-offs to loans | 0.1853% | 4,501 |
| Credit loss provision to net charge-offs | 225.5639% | 1,716 |
| Earnings coverage of net charge-offs (x) | 10.3233% | 1,907 |
| Efficiency ratio | 70.5660% | 4,066 |
| Assets per employee ($millions) | 3.8290% | 4,159 |
| Cash dividends to net income (ytd only)* | 42.7989% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,925 |
| Loan loss allowance to noncurrent loans | 115.4871% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 5,394 |
| Noncurrent loans to loans | 1.3010% | 4,778 |
| Net loans and leases to total assets | 56.0183% | 5,699 |
| Net loans and leases to deposits | 70.8613% | 5,156 |
| Net loans and leases to core deposits | 74.7089% | 5,366 |
| Total domestic deposits to total assets | 79.0534% | 6,024 |
| Equity capital to assets | 9.8021% | 4,260 |
| Core capital (leverage) ratio | 9.4800% | 3,847 |
| Tier 1 risk-based capital ratio | 15.3103% | 3,004 |
| Total risk-based capital ratio | 16.5626% | 2,962 |
| Memoranda: | ||
| Average total assets | $741,113,670 | 918 |
| Average earning assets | $674,414,000 | 916 |
| Average equity | $71,178,000 | 936 |
| Average total loans | $430,638,330 | 1,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 5,668 |
| Cost of funding earning assets | 1.6735% | 2,522 |
| Net interest margin | 3.1810% | 6,353 |
| Noninterest income to average assets | 0.8262% | 1,902 |
| Noninterest expense to average assets | 2.6295% | 5,231 |
| Loan and lease loss provision to assets | 0.2444% | 4,093 |
| Net operating income to assets | 0.7299% | 3,305 |
| Return on assets (ROA) | 0.8033% | 3,049 |
| Pretax return on assets | 0.9408% | 3,313 |
| Return on Equity (ROE) | 8.4532% | 2,682 |
| Retained earnings to average equity (ytd only) | 4.5610% | 3,415 |
| Net charge-offs to loans | 0.1369% | 4,124 |
| Credit loss provision to net charge-offs | 304.0541% | 1,294 |
| Earnings coverage of net charge-offs (x) | 13.6689% | 1,481 |
| Efficiency ratio | 70.5274% | 4,215 |
| Assets per employee ($millions) | 3.8303% | 4,253 |
| Cash dividends to net income (ytd only)* | 46.0446% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,310 |
| Loan loss allowance to noncurrent loans | 106.0591% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 5,334 |
| Noncurrent loans to loans | 1.3405% | 4,738 |
| Net loans and leases to total assets | 57.6846% | 5,498 |
| Net loans and leases to deposits | 72.7950% | 4,946 |
| Net loans and leases to core deposits | 76.5098% | 5,188 |
| Total domestic deposits to total assets | 79.2425% | 6,021 |
| Equity capital to assets | 9.5172% | 4,508 |
| Core capital (leverage) ratio | 9.5546% | 3,695 |
| Tier 1 risk-based capital ratio | 14.5729% | 3,340 |
| Total risk-based capital ratio | 15.8254% | 3,298 |
| Memoranda: | ||
| Average total assets | $736,426,000 | 937 |
| Average earning assets | $671,867,000 | 937 |
| Average equity | $69,985,000 | 959 |
| Average total loans | $432,545,500 | 1,081 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 5,527 |
| Cost of funding earning assets | 1.9815% | 3,047 |
| Net interest margin | 3.2440% | 5,946 |
| Noninterest income to average assets | 0.8819% | 2,025 |
| Noninterest expense to average assets | 2.8249% | 4,863 |
| Loan and lease loss provision to assets | 0.4110% | 4,346 |
| Net operating income to assets | 0.5814% | 3,397 |
| Return on assets (ROA) | 0.6053% | 3,379 |
| Pretax return on assets | 0.6244% | 3,830 |
| Return on Equity (ROE) | 6.3393% | 3,058 |
| Retained earnings to average equity (ytd only) | 0.7121% | 4,511 |
| Net charge-offs to loans | 0.2886% | 4,828 |
| Credit loss provision to net charge-offs | 241.1230% | 1,483 |
| Earnings coverage of net charge-offs (x) | 5.9298% | 2,468 |
| Efficiency ratio | 73.6477% | 3,968 |
| Assets per employee ($millions) | 3.6664% | 4,603 |
| Cash dividends to net income (ytd only)* | 88.7674% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,329 |
| Loan loss allowance to noncurrent loans | 86.6735% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 5,092 |
| Noncurrent loans to loans | 1.5936% | 4,265 |
| Net loans and leases to total assets | 58.1470% | 5,643 |
| Net loans and leases to deposits | 73.9739% | 5,041 |
| Net loans and leases to core deposits | 84.8267% | 5,637 |
| Total domestic deposits to total assets | 78.6046% | 6,090 |
| Equity capital to assets | 9.4891% | 4,423 |
| Core capital (leverage) ratio | 9.5591% | 3,651 |
| Tier 1 risk-based capital ratio | 14.6124% | 3,149 |
| Total risk-based capital ratio | 15.8632% | 3,099 |
| Memoranda: | ||
| Average total assets | $710,431,800 | 963 |
| Average earning assets | $646,886,800 | 964 |
| Average equity | $67,830,600 | 972 |
| Average total loans | $419,570,600 | 1,142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 5,676 |
| Cost of funding earning assets | 2.0415% | 3,160 |
| Net interest margin | 3.2099% | 5,978 |
| Noninterest income to average assets | 0.8762% | 2,078 |
| Noninterest expense to average assets | 2.8947% | 4,474 |
| Loan and lease loss provision to assets | 0.3246% | 4,387 |
| Net operating income to assets | 0.5706% | 3,727 |
| Return on assets (ROA) | 0.5629% | 3,827 |
| Pretax return on assets | 0.5699% | 4,299 |
| Return on Equity (ROE) | 5.8864% | 3,574 |
| Retained earnings to average equity (ytd only) | -0.2980% | 5,290 |
| Net charge-offs to loans | 0.0575% | 6,129 |
| Credit loss provision to net charge-offs | 955.5556% | 393 |
| Earnings coverage of net charge-offs (x) | 26.5616% | 1,017 |
| Efficiency ratio | 76.2388% | 3,465 |
| Assets per employee ($millions) | 3.7222% | 4,374 |
| Cash dividends to net income (ytd only)* | 105.0621% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,181 |
| Loan loss allowance to noncurrent loans | 119.5213% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 5,649 |
| Noncurrent loans to loans | 1.1326% | 5,055 |
| Net loans and leases to total assets | 58.2569% | 5,854 |
| Net loans and leases to deposits | 75.7821% | 5,085 |
| Net loans and leases to core deposits | 87.3257% | 5,715 |
| Total domestic deposits to total assets | 76.8742% | 6,368 |
| Equity capital to assets | 9.6572% | 4,548 |
| Core capital (leverage) ratio | 9.4302% | 4,004 |
| Tier 1 risk-based capital ratio | 14.5596% | 3,245 |
| Total risk-based capital ratio | 15.8100% | 3,193 |
| Memoranda: | ||
| Average total assets | $706,551,750 | 975 |
| Average earning assets | $642,907,000 | 984 |
| Average equity | $67,566,750 | 984 |
| Average total loans | $417,455,500 | 1,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2590% | 5,829 |
| Cost of funding earning assets | 2.0733% | 3,402 |
| Net interest margin | 3.1857% | 5,966 |
| Noninterest income to average assets | 0.9012% | 1,987 |
| Noninterest expense to average assets | 3.0077% | 4,053 |
| Loan and lease loss provision to assets | 0.1070% | 6,086 |
| Net operating income to assets | 0.6260% | 3,562 |
| Return on assets (ROA) | 0.6664% | 3,514 |
| Pretax return on assets | 0.7307% | 3,894 |
| Return on Equity (ROE) | 6.9919% | 3,206 |
| Retained earnings to average equity (ytd only) | 0.2509% | 5,113 |
| Net charge-offs to loans | 0.0636% | 5,607 |
| Credit loss provision to net charge-offs | 284.8485% | 1,645 |
| Earnings coverage of net charge-offs (x) | 21.1136% | 1,279 |
| Efficiency ratio | 79.1283% | 3,172 |
| Assets per employee ($millions) | 3.7261% | 4,267 |
| Cash dividends to net income (ytd only)* | 96.4118% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,877 |
| Loan loss allowance to noncurrent loans | 107.7799% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 5,800 |
| Noncurrent loans to loans | 0.9787% | 5,253 |
| Net loans and leases to total assets | 58.0052% | 5,961 |
| Net loans and leases to deposits | 74.7490% | 5,347 |
| Net loans and leases to core deposits | 86.3459% | 5,865 |
| Total domestic deposits to total assets | 77.6000% | 6,180 |
| Equity capital to assets | 9.3301% | 4,827 |
| Core capital (leverage) ratio | 9.5867% | 3,773 |
| Tier 1 risk-based capital ratio | 14.4909% | 3,247 |
| Total risk-based capital ratio | 15.4743% | 3,324 |
| Memoranda: | ||
| Average total assets | $702,606,000 | 1,001 |
| Average earning assets | $639,551,330 | 1,006 |
| Average equity | $66,963,670 | 1,005 |
| Average total loans | $415,189,330 | 1,207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 5,734 |
| Cost of funding earning assets | 2.0774% | 3,754 |
| Net interest margin | 3.2563% | 5,670 |
| Noninterest income to average assets | 0.8664% | 2,005 |
| Noninterest expense to average assets | 3.1310% | 3,264 |
| Loan and lease loss provision to assets | 0.0864% | 5,852 |
| Net operating income to assets | 0.5848% | 4,081 |
| Return on assets (ROA) | 0.6228% | 4,106 |
| Pretax return on assets | 0.6446% | 4,606 |
| Return on Equity (ROE) | 6.4637% | 3,830 |
| Retained earnings to average equity (ytd only) | -1.7759% | 6,052 |
| Net charge-offs to loans | 0.0893% | 4,277 |
| Credit loss provision to net charge-offs | 163.0435% | 2,606 |
| Earnings coverage of net charge-offs (x) | 13.0543% | 1,759 |
| Efficiency ratio | 81.9017% | 2,546 |
| Assets per employee ($millions) | 3.6855% | 4,366 |
| Cash dividends to net income (ytd only)* | 127.4746% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 5,902 |
| Loan loss allowance to noncurrent loans | 137.1419% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,920 |
| Noncurrent loans to loans | 0.7545% | 5,538 |
| Net loans and leases to total assets | 58.1963% | 5,911 |
| Net loans and leases to deposits | 76.0852% | 5,212 |
| Net loans and leases to core deposits | 86.8849% | 5,842 |
| Total domestic deposits to total assets | 76.4884% | 6,407 |
| Equity capital to assets | 9.4389% | 4,760 |
| Core capital (leverage) ratio | 9.9215% | 3,494 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,192 |
| Total risk-based capital ratio | 15.6948% | 3,262 |
| Memoranda: | ||
| Average total assets | $694,336,000 | 1,017 |
| Average earning assets | $630,406,500 | 1,021 |
| Average equity | $66,897,000 | 1,008 |
| Average total loans | $411,989,500 | 1,227 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 6,671 |
| Cost of funding earning assets | 2.4099% | 4,676 |
| Net interest margin | 3.3226% | 5,961 |
| Noninterest income to average assets | 0.8105% | 2,456 |
| Noninterest expense to average assets | 3.0645% | 3,844 |
| Loan and lease loss provision to assets | 0.1002% | 6,098 |
| Net operating income to assets | 0.6767% | 3,997 |
| Return on assets (ROA) | 0.6010% | 4,161 |
| Pretax return on assets | 0.5835% | 4,747 |
| Return on Equity (ROE) | 5.8795% | 3,995 |
| Retained earnings to average equity (ytd only) | -0.7836% | 5,538 |
| Net charge-offs to loans | 0.0376% | 6,274 |
| Credit loss provision to net charge-offs | 452.0270% | 969 |
| Earnings coverage of net charge-offs (x) | 34.2703% | 1,059 |
| Efficiency ratio | 80.1410% | 2,577 |
| Assets per employee ($millions) | 3.4421% | 4,819 |
| Cash dividends to net income (ytd only)* | 113.3284% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 5,852 |
| Loan loss allowance to noncurrent loans | 122.8947% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 5,474 |
| Noncurrent loans to loans | 0.8297% | 4,976 |
| Net loans and leases to total assets | 59.2653% | 6,017 |
| Net loans and leases to deposits | 79.7710% | 5,083 |
| Net loans and leases to core deposits | 89.5852% | 5,839 |
| Total domestic deposits to total assets | 74.2943% | 6,604 |
| Equity capital to assets | 9.8338% | 4,247 |
| Core capital (leverage) ratio | 10.0602% | 3,387 |
| Tier 1 risk-based capital ratio | 15.1189% | 2,987 |
| Total risk-based capital ratio | 16.0936% | 3,041 |
| Memoranda: | ||
| Average total assets | $667,900,200 | 999 |
| Average earning assets | $605,756,600 | 1,007 |
| Average equity | $68,271,200 | 981 |
| Average total loans | $393,679,400 | 1,231 |