Home > The Honesdale National Bank > Performance and Condition Ratios
The Honesdale 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 | 4.8356% | 2,405 |
| Cost of funding earning assets | 0.9851% | 3,325 |
| Net interest margin | 3.8505% | 1,472 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.5159% | 2,253 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3304% | 1,365 |
| Return on assets (ROA) | 1.3304% | 1,332 |
| Pretax return on assets | 1.6090% | 1,213 |
| Return on Equity (ROE) | 10.8000% | 2,277 |
| Retained earnings to average equity (ytd only) | 5.9330% | 2,273 |
| Net charge-offs to loans | -0.0003% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.9934% | 3,080 |
| Assets per employee ($millions) | 6.2961% | 2,557 |
| Cash dividends to net income (ytd only)* | 45.0644% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 768 |
| Loan loss allowance to noncurrent loans | 996.9565% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 2,740 |
| Noncurrent loans to loans | 0.1651% | 2,693 |
| Net loans and leases to total assets | 71.1300% | 1,678 |
| Net loans and leases to deposits | 82.9715% | 1,868 |
| Net loans and leases to core deposits | 89.7880% | 2,066 |
| Total domestic deposits to total assets | 85.7300% | 2,097 |
| Equity capital to assets | 12.8153% | 897 |
| Core capital (leverage) ratio | 13.5594% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $945,740,000 | 1,033 |
| Average earning assets | $882,585,800 | 1,017 |
| Average equity | $116,500,800 | 848 |
| Average total loans | $673,260,600 | 996 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 2,497 |
| Cost of funding earning assets | 0.8496% | 3,403 |
| Net interest margin | 3.8365% | 1,521 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.4952% | 2,245 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3358% | 1,459 |
| Return on assets (ROA) | 1.3358% | 1,441 |
| Pretax return on assets | 1.6134% | 1,322 |
| Return on Equity (ROE) | 10.9600% | 2,382 |
| Retained earnings to average equity (ytd only) | 4.3695% | 3,162 |
| Net charge-offs to loans | 0.0010% | 2,597 |
| Credit loss provision to net charge-offs | 10,500.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 2,383.2000% | 58 |
| Efficiency ratio | 59.6519% | 3,005 |
| Assets per employee ($millions) | 6.2535% | 2,523 |
| Cash dividends to net income (ytd only)* | 60.1209% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 839 |
| Loan loss allowance to noncurrent loans | 850.7508% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,643 |
| Noncurrent loans to loans | 0.1914% | 2,596 |
| Net loans and leases to total assets | 71.0900% | 1,682 |
| Net loans and leases to deposits | 81.9638% | 1,901 |
| Net loans and leases to core deposits | 86.8909% | 2,132 |
| Total domestic deposits to total assets | 86.7300% | 1,971 |
| Equity capital to assets | 11.8034% | 1,089 |
| Core capital (leverage) ratio | 13.5534% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $941,347,500 | 1,041 |
| Average earning assets | $877,552,000 | 1,025 |
| Average equity | $114,763,250 | 849 |
| Average total loans | $667,397,000 | 1,000 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 2,555 |
| Cost of funding earning assets | 0.7117% | 3,451 |
| Net interest margin | 3.8257% | 1,572 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.5157% | 2,160 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3168% | 1,526 |
| Return on assets (ROA) | 1.3168% | 1,511 |
| Pretax return on assets | 1.5865% | 1,434 |
| Return on Equity (ROE) | 10.6800% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.5243% | 2,774 |
| Net charge-offs to loans | 0.0030% | 2,226 |
| Credit loss provision to net charge-offs | 3,250.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 773.5000% | 193 |
| Efficiency ratio | 60.3028% | 2,928 |
| Assets per employee ($millions) | 5.9349% | 2,767 |
| Cash dividends to net income (ytd only)* | 48.2927% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 851 |
| Loan loss allowance to noncurrent loans | 672.3263% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 2,322 |
| Noncurrent loans to loans | 0.2445% | 2,279 |
| Net loans and leases to total assets | 70.5700% | 1,680 |
| Net loans and leases to deposits | 81.7020% | 1,850 |
| Net loans and leases to core deposits | 86.3811% | 2,040 |
| Total domestic deposits to total assets | 86.3700% | 2,125 |
| Equity capital to assets | 12.4104% | 950 |
| Core capital (leverage) ratio | 13.6391% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $934,117,333 | 1,039 |
| Average earning assets | $872,264,333 | 1,025 |
| Average equity | $115,127,333 | 843 |
| Average total loans | $657,884,333 | 998 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,566 |
| Cost of funding earning assets | 0.5488% | 3,537 |
| Net interest margin | 3.8437% | 1,595 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.5265% | 2,177 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2977% | 1,680 |
| Return on assets (ROA) | 1.2977% | 1,650 |
| Pretax return on assets | 1.5581% | 1,561 |
| Return on Equity (ROE) | 10.5700% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.2581% | 3,195 |
| Net charge-offs to loans | 0.0167% | 1,353 |
| Credit loss provision to net charge-offs | 462.9630% | 575 |
| Earnings coverage of net charge-offs (x) | 138.7037% | 637 |
| Efficiency ratio | 61.0504% | 2,817 |
| Assets per employee ($millions) | 6.0480% | 2,721 |
| Cash dividends to net income (ytd only)* | 59.7015% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 904 |
| Loan loss allowance to noncurrent loans | 573.0042% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,124 |
| Noncurrent loans to loans | 0.2885% | 2,113 |
| Net loans and leases to total assets | 69.2400% | 1,700 |
| Net loans and leases to deposits | 80.4728% | 1,783 |
| Net loans and leases to core deposits | 84.8249% | 1,938 |
| Total domestic deposits to total assets | 86.0400% | 2,576 |
| Equity capital to assets | 12.4491% | 885 |
| Core capital (leverage) ratio | 13.6661% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $929,349,500 | 1,062 |
| Average earning assets | $866,554,500 | 1,045 |
| Average equity | $114,135,500 | 859 |
| Average total loans | $648,313,500 | 1,018 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 2,436 |
| Cost of funding earning assets | 0.1665% | 4,020 |
| Net interest margin | 3.5717% | 1,723 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.5910% | 1,850 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4533% | 998 |
| Return on assets (ROA) | 1.4037% | 1,082 |
| Pretax return on assets | 1.6954% | 929 |
| Return on Equity (ROE) | 11.8800% | 2,180 |
| Retained earnings to average equity (ytd only) | 7.3918% | 2,069 |
| Net charge-offs to loans | -0.0418% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.1810% | 3,163 |
| Assets per employee ($millions) | 5.8308% | 2,919 |
| Cash dividends to net income (ytd only)* | 37.7727% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 721 |
| Loan loss allowance to noncurrent loans | 584.0648% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,126 |
| Noncurrent loans to loans | 0.3006% | 2,061 |
| Net loans and leases to total assets | 67.8900% | 1,838 |
| Net loans and leases to deposits | 79.7971% | 1,789 |
| Net loans and leases to core deposits | 83.2363% | 1,919 |
| Total domestic deposits to total assets | 85.0800% | 2,973 |
| Equity capital to assets | 12.1104% | 899 |
| Core capital (leverage) ratio | 13.4161% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $940,404,200 | 1,038 |
| Average earning assets | $881,185,000 | 1,012 |
| Average equity | $111,123,800 | 874 |
| Average total loans | $595,632,200 | 1,038 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 2,401 |
| Cost of funding earning assets | 0.1304% | 4,031 |
| Net interest margin | 3.4488% | 1,810 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.3243% | 2,558 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2660% | 1,469 |
| Return on assets (ROA) | 1.2660% | 1,434 |
| Pretax return on assets | 1.5237% | 1,345 |
| Return on Equity (ROE) | 10.7800% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.1961% | 2,679 |
| Net charge-offs to loans | -0.0620% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7447% | 3,143 |
| Assets per employee ($millions) | 5.9511% | 2,807 |
| Cash dividends to net income (ytd only)* | 42.5181% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 690 |
| Loan loss allowance to noncurrent loans | 652.4170% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,366 |
| Noncurrent loans to loans | 0.2803% | 2,253 |
| Net loans and leases to total assets | 64.7800% | 2,006 |
| Net loans and leases to deposits | 73.9029% | 2,060 |
| Net loans and leases to core deposits | 75.6529% | 2,225 |
| Total domestic deposits to total assets | 87.6600% | 2,531 |
| Equity capital to assets | 11.2505% | 1,082 |
| Core capital (leverage) ratio | 12.7958% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $945,190,250 | 1,040 |
| Average earning assets | $887,658,000 | 1,018 |
| Average equity | $111,012,750 | 894 |
| Average total loans | $585,374,000 | 1,047 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 2,454 |
| Cost of funding earning assets | 0.1244% | 3,915 |
| Net interest margin | 3.2708% | 1,990 |
| Noninterest income to average assets | 0.6433% | 1,572 |
| Noninterest expense to average assets | 2.2886% | 2,584 |
| Loan and lease loss provision to assets | 0.0421% | 1,816 |
| Net operating income to assets | 1.1552% | 1,588 |
| Return on assets (ROA) | 1.1552% | 1,566 |
| Pretax return on assets | 1.3885% | 1,470 |
| Return on Equity (ROE) | 9.7030% | 2,447 |
| Retained earnings to average equity (ytd only) | 4.9328% | 2,730 |
| Net charge-offs to loans | -0.0868% | 4,403 |
| Credit loss provision to net charge-offs | -80.0000% | 3,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5350% | 3,103 |
| Assets per employee ($millions) | 5.9031% | 2,830 |
| Cash dividends to net income (ytd only)* | 49.1624% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 717 |
| Loan loss allowance to noncurrent loans | 650.6166% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,457 |
| Noncurrent loans to loans | 0.2867% | 2,318 |
| Net loans and leases to total assets | 61.3432% | 2,186 |
| Net loans and leases to deposits | 69.9969% | 2,203 |
| Net loans and leases to core deposits | 71.8710% | 2,351 |
| Total domestic deposits to total assets | 87.6370% | 2,717 |
| Equity capital to assets | 11.4142% | 1,057 |
| Core capital (leverage) ratio | 12.3988% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $950,796,667 | 1,033 |
| Average earning assets | $894,167,667 | 1,016 |
| Average equity | $113,201,667 | 882 |
| Average total loans | $576,287,000 | 1,051 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2388% | 2,575 |
| Cost of funding earning assets | 0.1295% | 3,782 |
| Net interest margin | 3.1093% | 2,144 |
| Noninterest income to average assets | 0.5977% | 1,705 |
| Noninterest expense to average assets | 2.2797% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0410% | 1,721 |
| Return on assets (ROA) | 1.0410% | 1,720 |
| Pretax return on assets | 1.2467% | 1,667 |
| Return on Equity (ROE) | 8.5668% | 2,490 |
| Retained earnings to average equity (ytd only) | 3.8940% | 2,969 |
| Net charge-offs to loans | -0.0550% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6469% | 2,955 |
| Assets per employee ($millions) | 6.1762% | 2,645 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 782 |
| Loan loss allowance to noncurrent loans | 661.3959% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 2,603 |
| Noncurrent loans to loans | 0.2830% | 2,458 |
| Net loans and leases to total assets | 58.6493% | 2,223 |
| Net loans and leases to deposits | 67.1811% | 2,227 |
| Net loans and leases to core deposits | 69.5947% | 2,326 |
| Total domestic deposits to total assets | 87.3003% | 2,816 |
| Equity capital to assets | 11.7942% | 1,025 |
| Core capital (leverage) ratio | 12.4509% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $950,991,500 | 1,034 |
| Average earning assets | $895,755,000 | 1,018 |
| Average equity | $115,562,000 | 887 |
| Average total loans | $567,385,500 | 1,057 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 2,544 |
| Cost of funding earning assets | 0.1549% | 3,915 |
| Net interest margin | 3.3849% | 2,078 |
| Noninterest income to average assets | 0.8903% | 1,233 |
| Noninterest expense to average assets | 2.5257% | 2,108 |
| Loan and lease loss provision to assets | 0.0682% | 1,706 |
| Net operating income to assets | 1.2301% | 1,812 |
| Return on assets (ROA) | 1.2301% | 1,870 |
| Pretax return on assets | 1.4666% | 1,831 |
| Return on Equity (ROE) | 9.4080% | 2,753 |
| Retained earnings to average equity (ytd only) | 5.6974% | 2,478 |
| Net charge-offs to loans | 0.0350% | 1,541 |
| Credit loss provision to net charge-offs | 304.5685% | 1,052 |
| Earnings coverage of net charge-offs (x) | 68.5076% | 1,089 |
| Efficiency ratio | 62.2003% | 2,841 |
| Assets per employee ($millions) | 5.9413% | 2,834 |
| Cash dividends to net income (ytd only)* | 39.4416% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 741 |
| Loan loss allowance to noncurrent loans | 595.1848% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,614 |
| Noncurrent loans to loans | 0.3175% | 2,452 |
| Net loans and leases to total assets | 58.4306% | 2,327 |
| Net loans and leases to deposits | 67.5297% | 2,350 |
| Net loans and leases to core deposits | 69.8335% | 2,464 |
| Total domestic deposits to total assets | 86.5257% | 2,704 |
| Equity capital to assets | 12.5141% | 1,058 |
| Core capital (leverage) ratio | 12.4825% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $879,290,800 | 1,063 |
| Average earning assets | $823,537,200 | 1,056 |
| Average equity | $114,965,600 | 905 |
| Average total loans | $563,263,400 | 1,071 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 2,375 |
| Cost of funding earning assets | 0.1602% | 4,012 |
| Net interest margin | 3.5001% | 1,861 |
| Noninterest income to average assets | 0.9527% | 1,147 |
| Noninterest expense to average assets | 2.4871% | 2,159 |
| Loan and lease loss provision to assets | 0.0579% | 1,831 |
| Net operating income to assets | 1.4018% | 1,537 |
| Return on assets (ROA) | 1.4018% | 1,597 |
| Pretax return on assets | 1.6795% | 1,457 |
| Return on Equity (ROE) | 10.5972% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.4436% | 2,254 |
| Net charge-offs to loans | 0.0362% | 1,357 |
| Credit loss provision to net charge-offs | 245.0980% | 1,111 |
| Earnings coverage of net charge-offs (x) | 73.4967% | 1,034 |
| Efficiency ratio | 58.8728% | 3,141 |
| Assets per employee ($millions) | 5.9388% | 2,751 |
| Cash dividends to net income (ytd only)* | 29.7586% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 823 |
| Loan loss allowance to noncurrent loans | 649.8134% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 2,833 |
| Noncurrent loans to loans | 0.2865% | 2,769 |
| Net loans and leases to total assets | 60.2233% | 2,222 |
| Net loans and leases to deposits | 69.9810% | 2,250 |
| Net loans and leases to core deposits | 71.9967% | 2,424 |
| Total domestic deposits to total assets | 86.0566% | 2,724 |
| Equity capital to assets | 12.8456% | 1,035 |
| Core capital (leverage) ratio | 13.0063% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $862,946,000 | 1,089 |
| Average earning assets | $806,672,000 | 1,084 |
| Average equity | $114,152,750 | 919 |
| Average total loans | $563,427,750 | 1,090 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 2,287 |
| Cost of funding earning assets | 0.1718% | 4,026 |
| Net interest margin | 3.5456% | 1,732 |
| Noninterest income to average assets | 1.0519% | 991 |
| Noninterest expense to average assets | 2.4984% | 2,149 |
| Loan and lease loss provision to assets | 0.0887% | 1,397 |
| Net operating income to assets | 1.4882% | 1,323 |
| Return on assets (ROA) | 1.4882% | 1,383 |
| Pretax return on assets | 1.7786% | 1,283 |
| Return on Equity (ROE) | 11.1338% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.3569% | 2,671 |
| Net charge-offs to loans | 0.0635% | 980 |
| Credit loss provision to net charge-offs | 209.4972% | 1,032 |
| Earnings coverage of net charge-offs (x) | 44.1117% | 1,118 |
| Efficiency ratio | 57.2288% | 3,370 |
| Assets per employee ($millions) | 5.6243% | 2,990 |
| Cash dividends to net income (ytd only)* | 42.9048% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 832 |
| Loan loss allowance to noncurrent loans | 1,112.3799% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 3,302 |
| Noncurrent loans to loans | 0.1651% | 3,387 |
| Net loans and leases to total assets | 63.4817% | 2,014 |
| Net loans and leases to deposits | 73.9192% | 2,009 |
| Net loans and leases to core deposits | 76.2965% | 2,210 |
| Total domestic deposits to total assets | 85.8797% | 2,782 |
| Equity capital to assets | 13.0830% | 921 |
| Core capital (leverage) ratio | 13.1020% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $845,738,667 | 1,101 |
| Average earning assets | $790,453,667 | 1,104 |
| Average equity | $113,043,000 | 921 |
| Average total loans | $564,159,667 | 1,089 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 2,088 |
| Cost of funding earning assets | 0.1857% | 4,037 |
| Net interest margin | 3.6199% | 1,531 |
| Noninterest income to average assets | 1.0020% | 1,127 |
| Noninterest expense to average assets | 2.5232% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5457% | 1,224 |
| Return on assets (ROA) | 1.5457% | 1,292 |
| Pretax return on assets | 1.8604% | 1,179 |
| Return on Equity (ROE) | 11.4362% | 2,206 |
| Retained earnings to average equity (ytd only) | 6.6185% | 2,690 |
| Net charge-offs to loans | 0.0619% | 910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 44.3678% | 944 |
| Efficiency ratio | 57.5591% | 3,363 |
| Assets per employee ($millions) | 5.5080% | 3,109 |
| Cash dividends to net income (ytd only)* | 42.1266% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 868 |
| Loan loss allowance to noncurrent loans | 231.7185% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 1,748 |
| Noncurrent loans to loans | 0.7780% | 1,686 |
| Net loans and leases to total assets | 65.1179% | 1,909 |
| Net loans and leases to deposits | 76.0269% | 1,907 |
| Net loans and leases to core deposits | 78.5815% | 2,130 |
| Total domestic deposits to total assets | 85.6511% | 2,869 |
| Equity capital to assets | 13.2985% | 833 |
| Core capital (leverage) ratio | 13.5630% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $829,912,000 | 1,106 |
| Average earning assets | $775,278,000 | 1,108 |
| Average equity | $112,170,000 | 916 |
| Average total loans | $562,536,500 | 1,097 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,232 |
| Cost of funding earning assets | 0.3920% | 3,628 |
| Net interest margin | 3.7764% | 1,567 |
| Noninterest income to average assets | 0.9442% | 1,163 |
| Noninterest expense to average assets | 2.7655% | 2,028 |
| Loan and lease loss provision to assets | 0.2076% | 1,902 |
| Net operating income to assets | 1.2464% | 1,392 |
| Return on assets (ROA) | 1.2464% | 1,500 |
| Pretax return on assets | 1.4908% | 1,359 |
| Return on Equity (ROE) | 8.7706% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.1485% | 2,213 |
| Net charge-offs to loans | 0.0535% | 2,020 |
| Credit loss provision to net charge-offs | 535.7143% | 1,196 |
| Earnings coverage of net charge-offs (x) | 43.8333% | 1,314 |
| Efficiency ratio | 61.9538% | 3,145 |
| Assets per employee ($millions) | 5.2025% | 3,153 |
| Cash dividends to net income (ytd only)* | 41.2984% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 827 |
| Loan loss allowance to noncurrent loans | 205.9404% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 1,567 |
| Noncurrent loans to loans | 0.8827% | 1,600 |
| Net loans and leases to total assets | 68.0583% | 1,821 |
| Net loans and leases to deposits | 80.0853% | 1,859 |
| Net loans and leases to core deposits | 82.8273% | 2,133 |
| Total domestic deposits to total assets | 84.9823% | 2,768 |
| Equity capital to assets | 13.7431% | 860 |
| Core capital (leverage) ratio | 13.5619% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $758,810,600 | 1,096 |
| Average earning assets | $707,199,800 | 1,090 |
| Average equity | $107,837,600 | 902 |
| Average total loans | $549,075,600 | 1,057 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,303 |
| Cost of funding earning assets | 0.4533% | 3,507 |
| Net interest margin | 3.7779% | 1,688 |
| Noninterest income to average assets | 0.8952% | 1,236 |
| Noninterest expense to average assets | 2.7222% | 2,194 |
| Loan and lease loss provision to assets | 0.2236% | 1,812 |
| Net operating income to assets | 1.2471% | 1,497 |
| Return on assets (ROA) | 1.2471% | 1,609 |
| Pretax return on assets | 1.4697% | 1,515 |
| Return on Equity (ROE) | 8.6972% | 2,525 |
| Retained earnings to average equity (ytd only) | 4.9485% | 2,581 |
| Net charge-offs to loans | 0.1031% | 1,282 |
| Credit loss provision to net charge-offs | 296.2085% | 1,772 |
| Earnings coverage of net charge-offs (x) | 22.4384% | 1,830 |
| Efficiency ratio | 61.6515% | 3,130 |
| Assets per employee ($millions) | 5.1321% | 3,080 |
| Cash dividends to net income (ytd only)* | 43.1030% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 844 |
| Loan loss allowance to noncurrent loans | 601.1070% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 3,025 |
| Noncurrent loans to loans | 0.2875% | 3,249 |
| Net loans and leases to total assets | 69.4329% | 2,036 |
| Net loans and leases to deposits | 81.6424% | 2,136 |
| Net loans and leases to core deposits | 84.6643% | 2,413 |
| Total domestic deposits to total assets | 85.0451% | 2,413 |
| Equity capital to assets | 13.7157% | 938 |
| Core capital (leverage) ratio | 13.7565% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $745,616,500 | 1,099 |
| Average earning assets | $694,760,750 | 1,095 |
| Average equity | $106,912,750 | 905 |
| Average total loans | $545,699,750 | 1,054 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 2,300 |
| Cost of funding earning assets | 0.5471% | 3,256 |
| Net interest margin | 3.8181% | 1,781 |
| Noninterest income to average assets | 0.7714% | 1,516 |
| Noninterest expense to average assets | 2.7208% | 2,319 |
| Loan and lease loss provision to assets | 0.2200% | 1,898 |
| Net operating income to assets | 1.1808% | 1,694 |
| Return on assets (ROA) | 1.1808% | 1,827 |
| Pretax return on assets | 1.3865% | 1,757 |
| Return on Equity (ROE) | 8.1059% | 2,705 |
| Retained earnings to average equity (ytd only) | 4.9798% | 2,482 |
| Net charge-offs to loans | 0.0527% | 1,737 |
| Credit loss provision to net charge-offs | 563.3803% | 1,150 |
| Earnings coverage of net charge-offs (x) | 41.1408% | 1,228 |
| Efficiency ratio | 62.8749% | 2,975 |
| Assets per employee ($millions) | 4.9377% | 3,254 |
| Cash dividends to net income (ytd only)* | 38.5654% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 813 |
| Loan loss allowance to noncurrent loans | 359.8351% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 2,633 |
| Noncurrent loans to loans | 0.4724% | 2,733 |
| Net loans and leases to total assets | 71.6417% | 1,780 |
| Net loans and leases to deposits | 84.5431% | 1,935 |
| Net loans and leases to core deposits | 88.1133% | 2,233 |
| Total domestic deposits to total assets | 84.7398% | 2,492 |
| Equity capital to assets | 13.9877% | 856 |
| Core capital (leverage) ratio | 14.3394% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,288,000 | 1,106 |
| Average earning assets | $677,354,667 | 1,104 |
| Average equity | $105,947,667 | 906 |
| Average total loans | $539,048,000 | 1,053 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 2,123 |
| Cost of funding earning assets | 0.6445% | 3,194 |
| Net interest margin | 3.9173% | 1,613 |
| Noninterest income to average assets | 0.7974% | 1,323 |
| Noninterest expense to average assets | 2.7862% | 2,466 |
| Loan and lease loss provision to assets | 0.2275% | 1,363 |
| Net operating income to assets | 1.2142% | 1,469 |
| Return on assets (ROA) | 1.2142% | 1,582 |
| Pretax return on assets | 1.4235% | 1,495 |
| Return on Equity (ROE) | 8.1564% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.9931% | 2,282 |
| Net charge-offs to loans | 0.1087% | 1,041 |
| Credit loss provision to net charge-offs | 279.7203% | 1,228 |
| Earnings coverage of net charge-offs (x) | 20.3007% | 1,420 |
| Efficiency ratio | 62.7916% | 3,404 |
| Assets per employee ($millions) | 4.4950% | 3,266 |
| Cash dividends to net income (ytd only)* | 38.7822% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 785 |
| Loan loss allowance to noncurrent loans | 343.3955% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 2,606 |
| Noncurrent loans to loans | 0.5096% | 2,743 |
| Net loans and leases to total assets | 73.6887% | 1,662 |
| Net loans and leases to deposits | 88.0288% | 1,749 |
| Net loans and leases to core deposits | 92.9709% | 2,070 |
| Total domestic deposits to total assets | 83.7098% | 2,878 |
| Equity capital to assets | 14.9149% | 780 |
| Core capital (leverage) ratio | 14.9661% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9062% | 877 |
| Memoranda: | ||
| Average total assets | $703,319,000 | 1,113 |
| Average earning assets | $653,514,000 | 1,104 |
| Average equity | $104,703,500 | 913 |
| Average total loans | $526,077,500 | 1,052 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 2,347 |
| Cost of funding earning assets | 0.6530% | 3,398 |
| Net interest margin | 4.0415% | 1,706 |
| Noninterest income to average assets | 0.7483% | 1,635 |
| Noninterest expense to average assets | 2.7917% | 2,628 |
| Loan and lease loss provision to assets | 0.2145% | 928 |
| Net operating income to assets | 1.2972% | 1,702 |
| Return on assets (ROA) | 1.3019% | 1,760 |
| Pretax return on assets | 1.4943% | 1,824 |
| Return on Equity (ROE) | 8.7646% | 2,857 |
| Retained earnings to average equity (ytd only) | 5.0814% | 2,375 |
| Net charge-offs to loans | 0.3730% | 537 |
| Credit loss provision to net charge-offs | 75.6023% | 2,847 |
| Earnings coverage of net charge-offs (x) | 6.0036% | 3,020 |
| Efficiency ratio | 62.1049% | 3,362 |
| Assets per employee ($millions) | 4.5219% | 3,190 |
| Cash dividends to net income (ytd only)* | 42.0241% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 799 |
| Loan loss allowance to noncurrent loans | 239.5822% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,059 |
| Noncurrent loans to loans | 0.7096% | 2,101 |
| Net loans and leases to total assets | 73.3304% | 1,870 |
| Net loans and leases to deposits | 87.5149% | 1,908 |
| Net loans and leases to core deposits | 92.0486% | 2,232 |
| Total domestic deposits to total assets | 83.7919% | 2,916 |
| Equity capital to assets | 14.8594% | 830 |
| Core capital (leverage) ratio | 14.7151% | 739 |
| Tier 1 risk-based capital ratio | 18.2265% | 1,708 |
| Total risk-based capital ratio | 19.4810% | 1,658 |
| Memoranda: | ||
| Average total assets | $687,601,400 | 1,085 |
| Average earning assets | $637,492,000 | 1,084 |
| Average equity | $102,138,200 | 885 |
| Average total loans | $523,062,200 | 1,034 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 2,413 |
| Cost of funding earning assets | 0.6419% | 3,495 |
| Net interest margin | 4.0603% | 1,730 |
| Noninterest income to average assets | 0.7290% | 1,668 |
| Noninterest expense to average assets | 2.8034% | 2,553 |
| Loan and lease loss provision to assets | 0.2732% | 568 |
| Net operating income to assets | 1.2480% | 2,024 |
| Return on assets (ROA) | 1.2544% | 2,084 |
| Pretax return on assets | 1.4199% | 2,230 |
| Return on Equity (ROE) | 8.4452% | 3,137 |
| Retained earnings to average equity (ytd only) | 6.2219% | 2,272 |
| Net charge-offs to loans | 0.4682% | 361 |
| Credit loss provision to net charge-offs | 76.3359% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.7099% | 2,981 |
| Efficiency ratio | 62.4467% | 3,257 |
| Assets per employee ($millions) | 4.7079% | 2,906 |
| Cash dividends to net income (ytd only)* | 26.3264% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 831 |
| Loan loss allowance to noncurrent loans | 322.1505% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 2,663 |
| Noncurrent loans to loans | 0.5266% | 2,709 |
| Net loans and leases to total assets | 73.7471% | 1,863 |
| Net loans and leases to deposits | 88.0529% | 1,924 |
| Net loans and leases to core deposits | 91.3463% | 2,429 |
| Total domestic deposits to total assets | 83.7532% | 2,913 |
| Equity capital to assets | 14.8011% | 907 |
| Core capital (leverage) ratio | 14.9822% | 741 |
| Tier 1 risk-based capital ratio | 18.2343% | 1,754 |
| Total risk-based capital ratio | 19.4890% | 1,716 |
| Memoranda: | ||
| Average total assets | $683,148,250 | 1,090 |
| Average earning assets | $632,687,250 | 1,089 |
| Average equity | $101,467,750 | 890 |
| Average total loans | $522,270,500 | 1,030 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 2,410 |
| Cost of funding earning assets | 0.6212% | 3,542 |
| Net interest margin | 4.0641% | 1,717 |
| Noninterest income to average assets | 0.6875% | 1,768 |
| Noninterest expense to average assets | 2.8259% | 2,499 |
| Loan and lease loss provision to assets | 0.2221% | 743 |
| Net operating income to assets | 1.2655% | 1,891 |
| Return on assets (ROA) | 1.2655% | 1,959 |
| Pretax return on assets | 1.4112% | 2,163 |
| Return on Equity (ROE) | 8.5097% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.1409% | 2,701 |
| Net charge-offs to loans | 0.2428% | 695 |
| Credit loss provision to net charge-offs | 118.8590% | 1,754 |
| Earnings coverage of net charge-offs (x) | 8.7417% | 2,388 |
| Efficiency ratio | 63.3732% | 3,233 |
| Assets per employee ($millions) | 4.4923% | 3,152 |
| Cash dividends to net income (ytd only)* | 39.5882% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 661 |
| Loan loss allowance to noncurrent loans | 516.8472% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 3,102 |
| Noncurrent loans to loans | 0.3510% | 3,297 |
| Net loans and leases to total assets | 74.1627% | 1,865 |
| Net loans and leases to deposits | 88.2669% | 1,971 |
| Net loans and leases to core deposits | 93.0399% | 2,321 |
| Total domestic deposits to total assets | 84.0210% | 2,850 |
| Equity capital to assets | 14.6701% | 902 |
| Core capital (leverage) ratio | 14.8049% | 750 |
| Tier 1 risk-based capital ratio | 18.0546% | 1,796 |
| Total risk-based capital ratio | 19.3107% | 1,745 |
| Memoranda: | ||
| Average total assets | $675,471,670 | 1,104 |
| Average earning assets | $626,852,330 | 1,101 |
| Average equity | $100,449,670 | 891 |
| Average total loans | $519,769,330 | 1,036 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 2,431 |
| Cost of funding earning assets | 0.5673% | 3,748 |
| Net interest margin | 4.0682% | 1,646 |
| Noninterest income to average assets | 0.6658% | 1,747 |
| Noninterest expense to average assets | 2.7956% | 2,582 |
| Loan and lease loss provision to assets | 0.2105% | 746 |
| Net operating income to assets | 1.3304% | 1,594 |
| Return on assets (ROA) | 1.3304% | 1,633 |
| Pretax return on assets | 1.4291% | 1,990 |
| Return on Equity (ROE) | 8.8836% | 2,857 |
| Retained earnings to average equity (ytd only) | 5.7069% | 2,590 |
| Net charge-offs to loans | 0.3848% | 403 |
| Credit loss provision to net charge-offs | 70.4225% | 1,846 |
| Earnings coverage of net charge-offs (x) | 5.4849% | 2,262 |
| Efficiency ratio | 63.0323% | 3,379 |
| Assets per employee ($millions) | 4.4688% | 3,232 |
| Cash dividends to net income (ytd only)* | 35.7595% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 743 |
| Loan loss allowance to noncurrent loans | 496.2547% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 3,160 |
| Noncurrent loans to loans | 0.3567% | 3,302 |
| Net loans and leases to total assets | 76.7769% | 1,350 |
| Net loans and leases to deposits | 92.6811% | 1,320 |
| Net loans and leases to core deposits | 96.8355% | 1,869 |
| Total domestic deposits to total assets | 82.8399% | 3,447 |
| Equity capital to assets | 14.9992% | 755 |
| Core capital (leverage) ratio | 15.4156% | 612 |
| Tier 1 risk-based capital ratio | 18.2132% | 1,737 |
| Total risk-based capital ratio | 19.4692% | 1,690 |
| Memoranda: | ||
| Average total assets | $665,051,500 | 1,119 |
| Average earning assets | $616,200,000 | 1,120 |
| Average equity | $99,599,500 | 893 |
| Average total loans | $516,681,500 | 1,043 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 2,405 |
| Cost of funding earning assets | 0.3922% | 4,032 |
| Net interest margin | 4.1273% | 1,598 |
| Noninterest income to average assets | 0.7368% | 1,702 |
| Noninterest expense to average assets | 2.8111% | 2,651 |
| Loan and lease loss provision to assets | 0.1554% | 1,349 |
| Net operating income to assets | 1.3615% | 1,565 |
| Return on assets (ROA) | 1.3615% | 1,553 |
| Pretax return on assets | 1.5924% | 1,493 |
| Return on Equity (ROE) | 9.1102% | 2,941 |
| Retained earnings to average equity (ytd only) | 5.3480% | 2,561 |
| Net charge-offs to loans | 0.0615% | 2,246 |
| Credit loss provision to net charge-offs | 331.1258% | 949 |
| Earnings coverage of net charge-offs (x) | 37.2417% | 1,388 |
| Efficiency ratio | 61.6614% | 3,595 |
| Assets per employee ($millions) | 4.4580% | 3,230 |
| Cash dividends to net income (ytd only)* | 41.2967% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 625 |
| Loan loss allowance to noncurrent loans | 411.0820% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 2,957 |
| Noncurrent loans to loans | 0.4499% | 2,926 |
| Net loans and leases to total assets | 75.7848% | 1,651 |
| Net loans and leases to deposits | 92.9431% | 1,407 |
| Net loans and leases to core deposits | 97.8884% | 1,873 |
| Total domestic deposits to total assets | 81.5389% | 3,777 |
| Equity capital to assets | 14.9528% | 720 |
| Core capital (leverage) ratio | 15.2050% | 647 |
| Tier 1 risk-based capital ratio | 18.3841% | 1,649 |
| Total risk-based capital ratio | 19.6409% | 1,598 |
| Memoranda: | ||
| Average total assets | $643,474,800 | 1,125 |
| Average earning assets | $595,905,800 | 1,122 |
| Average equity | $96,167,200 | 883 |
| Average total loans | $491,062,800 | 1,067 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 2,500 |
| Cost of funding earning assets | 0.3659% | 4,080 |
| Net interest margin | 4.0748% | 1,709 |
| Noninterest income to average assets | 0.7359% | 1,731 |
| Noninterest expense to average assets | 2.8165% | 2,580 |
| Loan and lease loss provision to assets | 0.1355% | 1,476 |
| Net operating income to assets | 1.3379% | 1,712 |
| Return on assets (ROA) | 1.3379% | 1,723 |
| Pretax return on assets | 1.5598% | 1,704 |
| Return on Equity (ROE) | 8.9533% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.7898% | 2,762 |
| Net charge-offs to loans | 0.0343% | 2,402 |
| Credit loss provision to net charge-offs | 520.0000% | 673 |
| Earnings coverage of net charge-offs (x) | 65.0410% | 1,004 |
| Efficiency ratio | 62.4255% | 3,440 |
| Assets per employee ($millions) | 4.3648% | 3,337 |
| Cash dividends to net income (ytd only)* | 35.3335% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 645 |
| Loan loss allowance to noncurrent loans | 396.1028% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 2,987 |
| Noncurrent loans to loans | 0.4698% | 2,982 |
| Net loans and leases to total assets | 75.5026% | 1,730 |
| Net loans and leases to deposits | 91.4954% | 1,692 |
| Net loans and leases to core deposits | 94.1439% | 2,275 |
| Total domestic deposits to total assets | 82.5207% | 3,455 |
| Equity capital to assets | 15.0459% | 706 |
| Core capital (leverage) ratio | 15.4293% | 608 |
| Tier 1 risk-based capital ratio | 18.4480% | 1,684 |
| Total risk-based capital ratio | 19.7047% | 1,639 |
| Memoranda: | ||
| Average total assets | $639,396,500 | 1,136 |
| Average earning assets | $592,500,250 | 1,130 |
| Average equity | $95,544,750 | 880 |
| Average total loans | $486,468,250 | 1,075 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 2,430 |
| Cost of funding earning assets | 0.3518% | 4,065 |
| Net interest margin | 4.0442% | 1,713 |
| Noninterest income to average assets | 0.7976% | 1,482 |
| Noninterest expense to average assets | 2.8409% | 2,531 |
| Loan and lease loss provision to assets | 0.0628% | 2,646 |
| Net operating income to assets | 1.4068% | 1,415 |
| Return on assets (ROA) | 1.4068% | 1,416 |
| Pretax return on assets | 1.6463% | 1,351 |
| Return on Equity (ROE) | 9.4363% | 2,839 |
| Retained earnings to average equity (ytd only) | 4.6613% | 3,257 |
| Net charge-offs to loans | 0.0485% | 1,919 |
| Credit loss provision to net charge-offs | 170.9402% | 1,449 |
| Earnings coverage of net charge-offs (x) | 46.5385% | 1,182 |
| Efficiency ratio | 61.4445% | 3,703 |
| Assets per employee ($millions) | 4.4062% | 3,269 |
| Cash dividends to net income (ytd only)* | 50.6024% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 720 |
| Loan loss allowance to noncurrent loans | 447.5102% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 3,193 |
| Noncurrent loans to loans | 0.4078% | 3,235 |
| Net loans and leases to total assets | 74.1631% | 1,924 |
| Net loans and leases to deposits | 88.5214% | 2,045 |
| Net loans and leases to core deposits | 91.1320% | 2,474 |
| Total domestic deposits to total assets | 83.7799% | 3,137 |
| Equity capital to assets | 14.9731% | 689 |
| Core capital (leverage) ratio | 15.1198% | 644 |
| Tier 1 risk-based capital ratio | 18.5405% | 1,668 |
| Total risk-based capital ratio | 19.7966% | 1,628 |
| Memoranda: | ||
| Average total assets | $637,198,330 | 1,142 |
| Average earning assets | $591,210,670 | 1,136 |
| Average equity | $94,994,670 | 885 |
| Average total loans | $482,961,330 | 1,084 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,472 |
| Cost of funding earning assets | 0.3512% | 3,981 |
| Net interest margin | 3.9589% | 1,846 |
| Noninterest income to average assets | 0.7285% | 1,707 |
| Noninterest expense to average assets | 2.7796% | 2,772 |
| Loan and lease loss provision to assets | 0.0629% | 2,516 |
| Net operating income to assets | 1.3471% | 1,487 |
| Return on assets (ROA) | 1.3471% | 1,500 |
| Pretax return on assets | 1.5639% | 1,484 |
| Return on Equity (ROE) | 9.0555% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.9328% | 2,738 |
| Net charge-offs to loans | 0.0960% | 1,214 |
| Credit loss provision to net charge-offs | 86.2069% | 1,690 |
| Earnings coverage of net charge-offs (x) | 22.3103% | 1,401 |
| Efficiency ratio | 62.0257% | 3,775 |
| Assets per employee ($millions) | 4.5001% | 3,156 |
| Cash dividends to net income (ytd only)* | 34.4844% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 793 |
| Loan loss allowance to noncurrent loans | 449.5612% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 3,220 |
| Noncurrent loans to loans | 0.3995% | 3,350 |
| Net loans and leases to total assets | 75.5774% | 1,609 |
| Net loans and leases to deposits | 90.2335% | 1,663 |
| Net loans and leases to core deposits | 93.8820% | 2,152 |
| Total domestic deposits to total assets | 83.7576% | 3,413 |
| Equity capital to assets | 15.0753% | 652 |
| Core capital (leverage) ratio | 15.0957% | 642 |
| Tier 1 risk-based capital ratio | 18.6729% | 1,642 |
| Total risk-based capital ratio | 19.9293% | 1,600 |
| Memoranda: | ||
| Average total assets | $636,349,000 | 1,154 |
| Average earning assets | $591,172,000 | 1,146 |
| Average equity | $94,660,500 | 895 |
| Average total loans | $483,125,500 | 1,089 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 2,447 |
| Cost of funding earning assets | 0.3408% | 3,794 |
| Net interest margin | 3.9243% | 2,014 |
| Noninterest income to average assets | 0.7354% | 1,821 |
| Noninterest expense to average assets | 2.6863% | 3,174 |
| Loan and lease loss provision to assets | 0.1196% | 1,914 |
| Net operating income to assets | 0.9935% | 2,279 |
| Return on assets (ROA) | 0.9844% | 2,344 |
| Pretax return on assets | 1.5704% | 1,378 |
| Return on Equity (ROE) | 6.5285% | 3,515 |
| Retained earnings to average equity (ytd only) | 1.4639% | 4,420 |
| Net charge-offs to loans | 0.0940% | 2,140 |
| Credit loss provision to net charge-offs | 168.9189% | 1,593 |
| Earnings coverage of net charge-offs (x) | 24.0653% | 1,773 |
| Efficiency ratio | 60.1097% | 4,249 |
| Assets per employee ($millions) | 4.4943% | 3,196 |
| Cash dividends to net income (ytd only)* | 77.5762% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 765 |
| Loan loss allowance to noncurrent loans | 396.9063% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,189 |
| Noncurrent loans to loans | 0.4566% | 3,141 |
| Net loans and leases to total assets | 73.5463% | 1,995 |
| Net loans and leases to deposits | 87.3174% | 2,097 |
| Net loans and leases to core deposits | 91.2139% | 2,439 |
| Total domestic deposits to total assets | 84.2287% | 3,115 |
| Equity capital to assets | 14.6798% | 740 |
| Core capital (leverage) ratio | 14.6341% | 699 |
| Tier 1 risk-based capital ratio | 18.2976% | 1,715 |
| Total risk-based capital ratio | 19.5538% | 1,662 |
| Memoranda: | ||
| Average total assets | $626,993,800 | 1,149 |
| Average earning assets | $583,970,800 | 1,140 |
| Average equity | $94,539,800 | 866 |
| Average total loans | $472,138,000 | 1,085 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 2,461 |
| Cost of funding earning assets | 0.3368% | 3,801 |
| Net interest margin | 3.9063% | 2,020 |
| Noninterest income to average assets | 0.7237% | 1,886 |
| Noninterest expense to average assets | 2.6284% | 3,323 |
| Loan and lease loss provision to assets | 0.1016% | 2,080 |
| Net operating income to assets | 1.2508% | 1,509 |
| Return on assets (ROA) | 1.2508% | 1,533 |
| Pretax return on assets | 1.6342% | 1,299 |
| Return on Equity (ROE) | 8.2390% | 3,002 |
| Retained earnings to average equity (ytd only) | 4.3584% | 3,309 |
| Net charge-offs to loans | 0.0400% | 2,637 |
| Credit loss provision to net charge-offs | 336.8794% | 888 |
| Earnings coverage of net charge-offs (x) | 57.5305% | 1,018 |
| Efficiency ratio | 59.1419% | 4,333 |
| Assets per employee ($millions) | 4.5995% | 2,979 |
| Cash dividends to net income (ytd only)* | 47.1000% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 820 |
| Loan loss allowance to noncurrent loans | 348.9633% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 3,098 |
| Noncurrent loans to loans | 0.5222% | 3,134 |
| Net loans and leases to total assets | 74.8334% | 1,784 |
| Net loans and leases to deposits | 89.7116% | 1,845 |
| Net loans and leases to core deposits | 92.0722% | 2,431 |
| Total domestic deposits to total assets | 83.4155% | 3,319 |
| Equity capital to assets | 15.3070% | 674 |
| Core capital (leverage) ratio | 15.3880% | 597 |
| Tier 1 risk-based capital ratio | 18.6684% | 1,687 |
| Total risk-based capital ratio | 19.9246% | 1,631 |
| Memoranda: | ||
| Average total assets | $623,070,750 | 1,167 |
| Average earning assets | $580,690,500 | 1,155 |
| Average equity | $94,588,500 | 869 |
| Average total loans | $469,823,500 | 1,087 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,448 |
| Cost of funding earning assets | 0.3381% | 3,715 |
| Net interest margin | 3.8687% | 2,034 |
| Noninterest income to average assets | 0.7069% | 1,955 |
| Noninterest expense to average assets | 2.6253% | 3,353 |
| Loan and lease loss provision to assets | 0.0403% | 3,203 |
| Net operating income to assets | 1.2682% | 1,381 |
| Return on assets (ROA) | 1.2682% | 1,411 |
| Pretax return on assets | 1.6549% | 1,180 |
| Return on Equity (ROE) | 8.3774% | 2,840 |
| Retained earnings to average equity (ytd only) | 2.5179% | 4,177 |
| Net charge-offs to loans | 0.0596% | 2,079 |
| Credit loss provision to net charge-offs | 89.9281% | 2,142 |
| Earnings coverage of net charge-offs (x) | 37.8489% | 1,295 |
| Efficiency ratio | 59.7062% | 4,359 |
| Assets per employee ($millions) | 4.5658% | 3,003 |
| Cash dividends to net income (ytd only)* | 69.9441% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 907 |
| Loan loss allowance to noncurrent loans | 325.3581% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 3,102 |
| Noncurrent loans to loans | 0.5502% | 3,092 |
| Net loans and leases to total assets | 73.7129% | 1,922 |
| Net loans and leases to deposits | 88.1410% | 1,965 |
| Net loans and leases to core deposits | 90.4125% | 2,484 |
| Total domestic deposits to total assets | 83.6307% | 3,349 |
| Equity capital to assets | 15.1351% | 683 |
| Core capital (leverage) ratio | 14.9782% | 632 |
| Tier 1 risk-based capital ratio | 18.4657% | 1,727 |
| Total risk-based capital ratio | 19.7213% | 1,687 |
| Memoranda: | ||
| Average total assets | $620,719,330 | 1,173 |
| Average earning assets | $579,786,000 | 1,158 |
| Average equity | $93,967,000 | 875 |
| Average total loans | $466,332,670 | 1,100 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 2,391 |
| Cost of funding earning assets | 0.3350% | 3,704 |
| Net interest margin | 3.8326% | 2,006 |
| Noninterest income to average assets | 0.6941% | 1,998 |
| Noninterest expense to average assets | 2.6433% | 3,333 |
| Loan and lease loss provision to assets | 0.0647% | 2,505 |
| Net operating income to assets | 1.2117% | 1,481 |
| Return on assets (ROA) | 1.2117% | 1,517 |
| Pretax return on assets | 1.5681% | 1,315 |
| Return on Equity (ROE) | 8.0030% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.6188% | 2,533 |
| Net charge-offs to loans | 0.1136% | 1,261 |
| Credit loss provision to net charge-offs | 75.7576% | 1,784 |
| Earnings coverage of net charge-offs (x) | 19.1212% | 1,543 |
| Efficiency ratio | 60.6657% | 4,371 |
| Assets per employee ($millions) | 4.4253% | 3,288 |
| Cash dividends to net income (ytd only)* | 29.7918% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 943 |
| Loan loss allowance to noncurrent loans | 382.0501% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,442 |
| Noncurrent loans to loans | 0.4734% | 3,393 |
| Net loans and leases to total assets | 74.0184% | 1,740 |
| Net loans and leases to deposits | 88.7327% | 1,706 |
| Net loans and leases to core deposits | 92.3074% | 2,135 |
| Total domestic deposits to total assets | 83.4172% | 3,693 |
| Equity capital to assets | 15.3474% | 584 |
| Core capital (leverage) ratio | 15.2145% | 565 |
| Tier 1 risk-based capital ratio | 18.7986% | 1,660 |
| Total risk-based capital ratio | 20.0546% | 1,617 |
| Memoranda: | ||
| Average total assets | $618,323,000 | 1,174 |
| Average earning assets | $577,887,000 | 1,165 |
| Average equity | $93,614,500 | 873 |
| Average total loans | $464,755,500 | 1,103 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 2,769 |
| Cost of funding earning assets | 0.3532% | 3,484 |
| Net interest margin | 3.7675% | 2,440 |
| Noninterest income to average assets | 0.7825% | 1,818 |
| Noninterest expense to average assets | 2.5623% | 3,804 |
| Loan and lease loss provision to assets | 0.0945% | 2,474 |
| Net operating income to assets | 1.2625% | 1,321 |
| Return on assets (ROA) | 1.2625% | 1,398 |
| Pretax return on assets | 1.6388% | 1,168 |
| Return on Equity (ROE) | 8.3441% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.8057% | 2,468 |
| Net charge-offs to loans | 0.0612% | 2,834 |
| Credit loss provision to net charge-offs | 208.3333% | 1,364 |
| Earnings coverage of net charge-offs (x) | 38.2174% | 1,214 |
| Efficiency ratio | 58.4752% | 4,795 |
| Assets per employee ($millions) | 4.4080% | 3,258 |
| Cash dividends to net income (ytd only)* | 42.4053% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 936 |
| Loan loss allowance to noncurrent loans | 361.7533% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,679 |
| Noncurrent loans to loans | 0.4995% | 3,367 |
| Net loans and leases to total assets | 73.5939% | 1,914 |
| Net loans and leases to deposits | 87.6644% | 1,963 |
| Net loans and leases to core deposits | 91.2275% | 2,371 |
| Total domestic deposits to total assets | 83.9496% | 3,437 |
| Equity capital to assets | 14.9349% | 651 |
| Core capital (leverage) ratio | 14.9458% | 607 |
| Tier 1 risk-based capital ratio | 18.4258% | 1,745 |
| Total risk-based capital ratio | 19.6817% | 1,708 |
| Memoranda: | ||
| Average total assets | $608,543,800 | 1,153 |
| Average earning assets | $567,453,200 | 1,140 |
| Average equity | $92,077,400 | 871 |
| Average total loans | $451,116,000 | 1,088 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 2,803 |
| Cost of funding earning assets | 0.3550% | 3,488 |
| Net interest margin | 3.7642% | 2,476 |
| Noninterest income to average assets | 0.7542% | 1,949 |
| Noninterest expense to average assets | 2.5406% | 3,860 |
| Loan and lease loss provision to assets | 0.1267% | 1,846 |
| Net operating income to assets | 1.2331% | 1,506 |
| Return on assets (ROA) | 1.2331% | 1,611 |
| Pretax return on assets | 1.5945% | 1,393 |
| Return on Equity (ROE) | 8.1225% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.3802% | 2,563 |
| Net charge-offs to loans | 0.0766% | 2,229 |
| Credit loss provision to net charge-offs | 223.7354% | 1,319 |
| Earnings coverage of net charge-offs (x) | 30.4045% | 1,477 |
| Efficiency ratio | 58.4918% | 4,752 |
| Assets per employee ($millions) | 4.5459% | 3,007 |
| Cash dividends to net income (ytd only)* | 33.7621% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 925 |
| Loan loss allowance to noncurrent loans | 329.5703% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 3,744 |
| Noncurrent loans to loans | 0.5616% | 3,315 |
| Net loans and leases to total assets | 73.4461% | 1,958 |
| Net loans and leases to deposits | 88.1761% | 1,991 |
| Net loans and leases to core deposits | 90.5351% | 2,523 |
| Total domestic deposits to total assets | 83.2948% | 3,487 |
| Equity capital to assets | 15.3932% | 649 |
| Core capital (leverage) ratio | 15.1142% | 608 |
| Tier 1 risk-based capital ratio | 18.5849% | 1,770 |
| Total risk-based capital ratio | 19.8412% | 1,731 |
| Memoranda: | ||
| Average total assets | $605,297,000 | 1,159 |
| Average earning assets | $564,040,750 | 1,150 |
| Average equity | $91,890,500 | 877 |
| Average total loans | $447,438,250 | 1,092 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 2,835 |
| Cost of funding earning assets | 0.3582% | 3,472 |
| Net interest margin | 3.7463% | 2,529 |
| Noninterest income to average assets | 0.7281% | 2,016 |
| Noninterest expense to average assets | 2.5377% | 3,916 |
| Loan and lease loss provision to assets | 0.1573% | 1,446 |
| Net operating income to assets | 1.1894% | 1,642 |
| Return on assets (ROA) | 1.1894% | 1,737 |
| Pretax return on assets | 1.5274% | 1,594 |
| Return on Equity (ROE) | 7.8716% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.5048% | 2,418 |
| Net charge-offs to loans | 0.0675% | 2,223 |
| Credit loss provision to net charge-offs | 316.6667% | 926 |
| Earnings coverage of net charge-offs (x) | 33.9200% | 1,294 |
| Efficiency ratio | 58.9790% | 4,775 |
| Assets per employee ($millions) | 4.6981% | 2,719 |
| Cash dividends to net income (ytd only)* | 30.0668% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 949 |
| Loan loss allowance to noncurrent loans | 318.2812% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 3,700 |
| Noncurrent loans to loans | 0.5863% | 3,311 |
| Net loans and leases to total assets | 72.7015% | 2,057 |
| Net loans and leases to deposits | 86.9345% | 2,142 |
| Net loans and leases to core deposits | 89.7418% | 2,558 |
| Total domestic deposits to total assets | 83.6279% | 3,411 |
| Equity capital to assets | 15.1968% | 693 |
| Core capital (leverage) ratio | 15.0097% | 613 |
| Tier 1 risk-based capital ratio | 18.0554% | 1,915 |
| Total risk-based capital ratio | 19.3113% | 1,881 |
| Memoranda: | ||
| Average total assets | $604,014,330 | 1,171 |
| Average earning assets | $563,378,670 | 1,156 |
| Average equity | $91,265,000 | 878 |
| Average total loans | $444,641,000 | 1,095 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 2,817 |
| Cost of funding earning assets | 0.3656% | 3,448 |
| Net interest margin | 3.7433% | 2,510 |
| Noninterest income to average assets | 0.6307% | 2,364 |
| Noninterest expense to average assets | 2.5579% | 3,885 |
| Loan and lease loss provision to assets | 0.1498% | 1,413 |
| Net operating income to assets | 1.1148% | 1,849 |
| Return on assets (ROA) | 1.1148% | 1,948 |
| Pretax return on assets | 1.4138% | 1,861 |
| Return on Equity (ROE) | 7.3998% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,933 |
| Net charge-offs to loans | 0.1652% | 1,147 |
| Credit loss provision to net charge-offs | 123.6264% | 1,414 |
| Earnings coverage of net charge-offs (x) | 12.9011% | 1,763 |
| Efficiency ratio | 61.0599% | 4,591 |
| Assets per employee ($millions) | 4.5897% | 2,914 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 1,045 |
| Loan loss allowance to noncurrent loans | 312.2418% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 3,765 |
| Noncurrent loans to loans | 0.5936% | 3,410 |
| Net loans and leases to total assets | 72.4310% | 1,962 |
| Net loans and leases to deposits | 86.6799% | 1,988 |
| Net loans and leases to core deposits | 90.2773% | 2,346 |
| Total domestic deposits to total assets | 83.5615% | 3,688 |
| Equity capital to assets | 15.2794% | 638 |
| Core capital (leverage) ratio | 14.8570% | 628 |
| Tier 1 risk-based capital ratio | 18.4076% | 1,881 |
| Total risk-based capital ratio | 19.6635% | 1,835 |
| Memoranda: | ||
| Average total assets | $600,642,000 | 1,174 |
| Average earning assets | $560,154,500 | 1,158 |
| Average equity | $90,489,500 | 883 |
| Average total loans | $440,724,000 | 1,101 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 3,012 |
| Cost of funding earning assets | 0.3893% | 3,271 |
| Net interest margin | 3.6886% | 2,789 |
| Noninterest income to average assets | 0.7212% | 2,099 |
| Noninterest expense to average assets | 2.4974% | 4,231 |
| Loan and lease loss provision to assets | 0.0377% | 3,594 |
| Net operating income to assets | 1.2552% | 1,375 |
| Return on assets (ROA) | 1.2554% | 1,427 |
| Pretax return on assets | 1.6175% | 1,202 |
| Return on Equity (ROE) | 8.5887% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.6819% | 1,965 |
| Net charge-offs to loans | 0.0277% | 3,673 |
| Credit loss provision to net charge-offs | 189.0756% | 1,459 |
| Earnings coverage of net charge-offs (x) | 83.0672% | 677 |
| Efficiency ratio | 58.9687% | 5,029 |
| Assets per employee ($millions) | 4.4787% | 3,081 |
| Cash dividends to net income (ytd only)* | 33.8445% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 1,062 |
| Loan loss allowance to noncurrent loans | 268.3080% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 3,581 |
| Noncurrent loans to loans | 0.6860% | 3,137 |
| Net loans and leases to total assets | 71.6148% | 2,124 |
| Net loans and leases to deposits | 85.2829% | 2,209 |
| Net loans and leases to core deposits | 87.6528% | 2,638 |
| Total domestic deposits to total assets | 83.9732% | 3,491 |
| Equity capital to assets | 14.8543% | 693 |
| Core capital (leverage) ratio | 14.4592% | 721 |
| Tier 1 risk-based capital ratio | 18.0904% | 1,938 |
| Total risk-based capital ratio | 19.3462% | 1,895 |
| Memoranda: | ||
| Average total assets | $597,329,600 | 1,140 |
| Average earning assets | $555,635,400 | 1,138 |
| Average equity | $87,312,200 | 873 |
| Average total loans | $428,915,400 | 1,071 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,047 |
| Cost of funding earning assets | 0.3934% | 3,288 |
| Net interest margin | 3.6800% | 2,848 |
| Noninterest income to average assets | 0.7187% | 2,154 |
| Noninterest expense to average assets | 2.5150% | 4,148 |
| Loan and lease loss provision to assets | 0.0336% | 3,554 |
| Net operating income to assets | 1.2398% | 1,526 |
| Return on assets (ROA) | 1.2401% | 1,583 |
| Pretax return on assets | 1.5928% | 1,403 |
| Return on Equity (ROE) | 8.5193% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.2768% | 2,073 |
| Net charge-offs to loans | 0.0194% | 3,550 |
| Credit loss provision to net charge-offs | 241.9355% | 1,165 |
| Earnings coverage of net charge-offs (x) | 117.1355% | 549 |
| Efficiency ratio | 59.5675% | 4,939 |
| Assets per employee ($millions) | 4.5580% | 2,905 |
| Cash dividends to net income (ytd only)* | 26.3224% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 1,098 |
| Loan loss allowance to noncurrent loans | 266.2175% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 3,800 |
| Noncurrent loans to loans | 0.7087% | 3,204 |
| Net loans and leases to total assets | 70.0161% | 2,382 |
| Net loans and leases to deposits | 84.5069% | 2,343 |
| Net loans and leases to core deposits | 87.7115% | 2,683 |
| Total domestic deposits to total assets | 82.8525% | 3,863 |
| Equity capital to assets | 14.7428% | 798 |
| Core capital (leverage) ratio | 14.5200% | 731 |
| Tier 1 risk-based capital ratio | 18.5850% | 1,876 |
| Total risk-based capital ratio | 19.8415% | 1,839 |
| Memoranda: | ||
| Average total assets | $595,507,500 | 1,150 |
| Average earning assets | $553,796,250 | 1,141 |
| Average equity | $86,687,250 | 885 |
| Average total loans | $425,865,500 | 1,077 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,032 |
| Cost of funding earning assets | 0.3975% | 3,302 |
| Net interest margin | 3.6666% | 2,850 |
| Noninterest income to average assets | 0.6952% | 2,231 |
| Noninterest expense to average assets | 2.4929% | 4,266 |
| Loan and lease loss provision to assets | 0.0320% | 3,476 |
| Net operating income to assets | 1.2302% | 1,516 |
| Return on assets (ROA) | 1.2308% | 1,585 |
| Pretax return on assets | 1.5839% | 1,379 |
| Return on Equity (ROE) | 8.4915% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.2314% | 2,100 |
| Net charge-offs to loans | 0.0240% | 3,192 |
| Credit loss provision to net charge-offs | 186.2745% | 1,313 |
| Earnings coverage of net charge-offs (x) | 93.9804% | 624 |
| Efficiency ratio | 59.4832% | 5,050 |
| Assets per employee ($millions) | 4.6715% | 2,714 |
| Cash dividends to net income (ytd only)* | 26.6156% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 1,195 |
| Loan loss allowance to noncurrent loans | 233.2658% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 3,557 |
| Noncurrent loans to loans | 0.8091% | 3,096 |
| Net loans and leases to total assets | 70.0482% | 2,305 |
| Net loans and leases to deposits | 83.1835% | 2,417 |
| Net loans and leases to core deposits | 86.9854% | 2,656 |
| Total domestic deposits to total assets | 84.2093% | 3,483 |
| Equity capital to assets | 14.5283% | 808 |
| Core capital (leverage) ratio | 14.4684% | 720 |
| Tier 1 risk-based capital ratio | 18.0780% | 2,045 |
| Total risk-based capital ratio | 19.3340% | 1,999 |
| Memoranda: | ||
| Average total assets | $593,456,000 | 1,159 |
| Average earning assets | $552,395,670 | 1,140 |
| Average equity | $86,015,670 | 895 |
| Average total loans | $424,700,330 | 1,082 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 2,926 |
| Cost of funding earning assets | 0.4002% | 3,304 |
| Net interest margin | 3.6773% | 2,713 |
| Noninterest income to average assets | 0.6773% | 2,268 |
| Noninterest expense to average assets | 2.5149% | 4,217 |
| Loan and lease loss provision to assets | 0.0474% | 2,982 |
| Net operating income to assets | 1.2036% | 1,538 |
| Return on assets (ROA) | 1.2036% | 1,632 |
| Pretax return on assets | 1.5406% | 1,421 |
| Return on Equity (ROE) | 8.3143% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.0383% | 2,479 |
| Net charge-offs to loans | 0.0236% | 2,686 |
| Credit loss provision to net charge-offs | 280.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 93.8800% | 521 |
| Efficiency ratio | 60.1418% | 5,076 |
| Assets per employee ($millions) | 4.6407% | 2,846 |
| Cash dividends to net income (ytd only)* | 27.3749% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 1,289 |
| Loan loss allowance to noncurrent loans | 336.0300% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 4,239 |
| Noncurrent loans to loans | 0.5649% | 3,894 |
| Net loans and leases to total assets | 70.6533% | 2,047 |
| Net loans and leases to deposits | 84.0466% | 2,066 |
| Net loans and leases to core deposits | 87.8614% | 2,345 |
| Total domestic deposits to total assets | 84.0644% | 3,800 |
| Equity capital to assets | 14.6746% | 786 |
| Core capital (leverage) ratio | 14.1773% | 771 |
| Tier 1 risk-based capital ratio | 18.3853% | 2,040 |
| Total risk-based capital ratio | 19.6420% | 1,988 |
| Memoranda: | ||
| Average total assets | $591,205,000 | 1,169 |
| Average earning assets | $550,725,500 | 1,145 |
| Average equity | $85,587,000 | 901 |
| Average total loans | $423,592,500 | 1,082 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,248 |
| Cost of funding earning assets | 0.4817% | 2,860 |
| Net interest margin | 3.6376% | 3,265 |
| Noninterest income to average assets | 0.7417% | 2,116 |
| Noninterest expense to average assets | 2.4352% | 4,743 |
| Loan and lease loss provision to assets | 0.0510% | 3,543 |
| Net operating income to assets | 1.2527% | 1,424 |
| Return on assets (ROA) | 1.2533% | 1,485 |
| Pretax return on assets | 1.6203% | 1,178 |
| Return on Equity (ROE) | 9.1331% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.1234% | 1,846 |
| Net charge-offs to loans | 0.0625% | 3,597 |
| Credit loss provision to net charge-offs | 115.3846% | 2,066 |
| Earnings coverage of net charge-offs (x) | 37.8000% | 1,134 |
| Efficiency ratio | 58.1926% | 5,438 |
| Assets per employee ($millions) | 4.5972% | 2,881 |
| Cash dividends to net income (ytd only)* | 32.9536% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 1,326 |
| Loan loss allowance to noncurrent loans | 335.8340% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 4,264 |
| Noncurrent loans to loans | 0.5644% | 3,976 |
| Net loans and leases to total assets | 69.9287% | 2,248 |
| Net loans and leases to deposits | 82.6971% | 2,380 |
| Net loans and leases to core deposits | 86.4004% | 2,655 |
| Total domestic deposits to total assets | 84.5600% | 3,477 |
| Equity capital to assets | 14.2801% | 877 |
| Core capital (leverage) ratio | 13.8227% | 860 |
| Tier 1 risk-based capital ratio | 17.8874% | 2,177 |
| Total risk-based capital ratio | 19.1439% | 2,139 |
| Memoranda: | ||
| Average total assets | $588,361,200 | 1,128 |
| Average earning assets | $544,099,200 | 1,112 |
| Average equity | $80,739,600 | 910 |
| Average total loans | $415,931,200 | 1,057 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 3,199 |
| Cost of funding earning assets | 0.4951% | 2,814 |
| Net interest margin | 3.6475% | 3,237 |
| Noninterest income to average assets | 0.7425% | 2,126 |
| Noninterest expense to average assets | 2.4773% | 4,604 |
| Loan and lease loss provision to assets | 0.0681% | 2,979 |
| Net operating income to assets | 1.2158% | 1,628 |
| Return on assets (ROA) | 1.2162% | 1,691 |
| Pretax return on assets | 1.5647% | 1,441 |
| Return on Equity (ROE) | 8.9541% | 2,715 |
| Retained earnings to average equity (ytd only) | 6.6069% | 2,039 |
| Net charge-offs to loans | 0.0534% | 3,450 |
| Credit loss provision to net charge-offs | 180.7229% | 1,383 |
| Earnings coverage of net charge-offs (x) | 43.3068% | 1,074 |
| Efficiency ratio | 59.1524% | 5,294 |
| Assets per employee ($millions) | 4.5840% | 2,834 |
| Cash dividends to net income (ytd only)* | 26.2136% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 1,329 |
| Loan loss allowance to noncurrent loans | 323.6327% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 4,413 |
| Noncurrent loans to loans | 0.6060% | 4,113 |
| Net loans and leases to total assets | 68.5294% | 2,460 |
| Net loans and leases to deposits | 82.2819% | 2,390 |
| Net loans and leases to core deposits | 85.9745% | 2,670 |
| Total domestic deposits to total assets | 83.2862% | 4,035 |
| Equity capital to assets | 14.0594% | 980 |
| Core capital (leverage) ratio | 13.9335% | 861 |
| Tier 1 risk-based capital ratio | 18.1301% | 2,169 |
| Total risk-based capital ratio | 19.3874% | 2,125 |
| Memoranda: | ||
| Average total assets | $587,190,750 | 1,134 |
| Average earning assets | $542,063,250 | 1,120 |
| Average equity | $79,752,750 | 923 |
| Average total loans | $414,234,000 | 1,062 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,058 |
| Cost of funding earning assets | 0.4952% | 2,880 |
| Net interest margin | 3.6786% | 3,038 |
| Noninterest income to average assets | 0.7432% | 2,078 |
| Noninterest expense to average assets | 2.4998% | 4,575 |
| Loan and lease loss provision to assets | 0.0683% | 2,902 |
| Net operating income to assets | 1.2206% | 1,530 |
| Return on assets (ROA) | 1.2209% | 1,586 |
| Pretax return on assets | 1.5664% | 1,344 |
| Return on Equity (ROE) | 9.0964% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.7155% | 1,916 |
| Net charge-offs to loans | 0.0622% | 3,086 |
| Credit loss provision to net charge-offs | 155.0388% | 1,425 |
| Earnings coverage of net charge-offs (x) | 37.1085% | 1,112 |
| Efficiency ratio | 59.3773% | 5,375 |
| Assets per employee ($millions) | 4.4646% | 2,978 |
| Cash dividends to net income (ytd only)* | 26.1745% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 1,512 |
| Loan loss allowance to noncurrent loans | 360.7175% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 4,701 |
| Noncurrent loans to loans | 0.5350% | 4,405 |
| Net loans and leases to total assets | 69.3679% | 2,175 |
| Net loans and leases to deposits | 82.9311% | 2,146 |
| Net loans and leases to core deposits | 86.6156% | 2,458 |
| Total domestic deposits to total assets | 83.6452% | 4,057 |
| Equity capital to assets | 13.7854% | 1,056 |
| Core capital (leverage) ratio | 13.8599% | 871 |
| Tier 1 risk-based capital ratio | 18.0094% | 2,239 |
| Total risk-based capital ratio | 19.2667% | 2,206 |
| Memoranda: | ||
| Average total assets | $585,809,000 | 1,132 |
| Average earning assets | $539,992,670 | 1,119 |
| Average equity | $78,624,330 | 931 |
| Average total loans | $414,530,000 | 1,054 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 2,922 |
| Cost of funding earning assets | 0.4995% | 2,915 |
| Net interest margin | 3.6876% | 2,917 |
| Noninterest income to average assets | 0.7191% | 2,086 |
| Noninterest expense to average assets | 2.5799% | 4,341 |
| Loan and lease loss provision to assets | 0.0685% | 2,763 |
| Net operating income to assets | 1.1574% | 1,604 |
| Return on assets (ROA) | 1.1574% | 1,676 |
| Pretax return on assets | 1.4684% | 1,525 |
| Return on Equity (ROE) | 8.7433% | 2,577 |
| Retained earnings to average equity (ytd only) | 6.3221% | 2,369 |
| Net charge-offs to loans | 0.1229% | 1,985 |
| Credit loss provision to net charge-offs | 78.7402% | 1,909 |
| Earnings coverage of net charge-offs (x) | 17.6693% | 1,449 |
| Efficiency ratio | 61.5538% | 5,192 |
| Assets per employee ($millions) | 4.6131% | 2,787 |
| Cash dividends to net income (ytd only)* | 27.6923% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,694 |
| Loan loss allowance to noncurrent loans | 393.7562% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 4,735 |
| Noncurrent loans to loans | 0.4878% | 4,696 |
| Net loans and leases to total assets | 69.2622% | 2,023 |
| Net loans and leases to deposits | 83.1506% | 1,928 |
| Net loans and leases to core deposits | 86.8732% | 2,211 |
| Total domestic deposits to total assets | 83.2973% | 4,497 |
| Equity capital to assets | 13.3998% | 1,140 |
| Core capital (leverage) ratio | 13.5833% | 950 |
| Tier 1 risk-based capital ratio | 18.0918% | 2,258 |
| Total risk-based capital ratio | 19.3494% | 2,227 |
| Memoranda: | ||
| Average total assets | $584,050,000 | 1,144 |
| Average earning assets | $538,134,500 | 1,138 |
| Average equity | $77,316,000 | 947 |
| Average total loans | $413,371,000 | 1,060 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,975 |
| Cost of funding earning assets | 0.5716% | 2,914 |
| Net interest margin | 3.7245% | 2,957 |
| Noninterest income to average assets | 0.8853% | 1,732 |
| Noninterest expense to average assets | 2.5150% | 4,722 |
| Loan and lease loss provision to assets | 0.1036% | 3,064 |
| Net operating income to assets | 1.2863% | 1,284 |
| Return on assets (ROA) | 1.2859% | 1,339 |
| Pretax return on assets | 1.6919% | 973 |
| Return on Equity (ROE) | 9.8460% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.7296% | 1,566 |
| Net charge-offs to loans | 0.0610% | 4,358 |
| Credit loss provision to net charge-offs | 240.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 41.6200% | 919 |
| Efficiency ratio | 57.0027% | 5,849 |
| Assets per employee ($millions) | 4.4109% | 3,065 |
| Cash dividends to net income (ytd only)* | 31.6510% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 1,709 |
| Loan loss allowance to noncurrent loans | 367.4194% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 4,742 |
| Noncurrent loans to loans | 0.5254% | 4,679 |
| Net loans and leases to total assets | 69.5664% | 2,086 |
| Net loans and leases to deposits | 82.4064% | 2,143 |
| Net loans and leases to core deposits | 85.9689% | 2,449 |
| Total domestic deposits to total assets | 84.4187% | 4,005 |
| Equity capital to assets | 13.0750% | 1,239 |
| Core capital (leverage) ratio | 13.1807% | 1,064 |
| Tier 1 risk-based capital ratio | 17.6240% | 2,371 |
| Total risk-based capital ratio | 18.8813% | 2,345 |
| Memoranda: | ||
| Average total assets | $579,353,800 | 1,151 |
| Average earning assets | $532,883,200 | 1,137 |
| Average equity | $75,665,600 | 943 |
| Average total loans | $409,529,600 | 1,041 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 3,024 |
| Cost of funding earning assets | 0.5852% | 2,946 |
| Net interest margin | 3.7079% | 3,002 |
| Noninterest income to average assets | 0.9369% | 1,645 |
| Noninterest expense to average assets | 2.5524% | 4,540 |
| Loan and lease loss provision to assets | 0.1383% | 2,563 |
| Net operating income to assets | 1.2547% | 1,472 |
| Return on assets (ROA) | 1.2542% | 1,543 |
| Pretax return on assets | 1.6544% | 1,200 |
| Return on Equity (ROE) | 9.6057% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.2233% | 1,780 |
| Net charge-offs to loans | 0.0767% | 3,847 |
| Credit loss provision to net charge-offs | 255.3191% | 970 |
| Earnings coverage of net charge-offs (x) | 33.1187% | 1,151 |
| Efficiency ratio | 57.3542% | 5,757 |
| Assets per employee ($millions) | 4.5274% | 2,841 |
| Cash dividends to net income (ytd only)* | 24.8026% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 1,837 |
| Loan loss allowance to noncurrent loans | 297.7264% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 4,567 |
| Noncurrent loans to loans | 0.6570% | 4,558 |
| Net loans and leases to total assets | 68.5529% | 2,222 |
| Net loans and leases to deposits | 81.2031% | 2,242 |
| Net loans and leases to core deposits | 84.1325% | 2,634 |
| Total domestic deposits to total assets | 84.4216% | 4,018 |
| Equity capital to assets | 12.9432% | 1,357 |
| Core capital (leverage) ratio | 13.3931% | 1,067 |
| Tier 1 risk-based capital ratio | 17.4482% | 2,525 |
| Total risk-based capital ratio | 18.7058% | 2,495 |
| Memoranda: | ||
| Average total assets | $578,633,500 | 1,162 |
| Average earning assets | $531,964,500 | 1,151 |
| Average equity | $75,550,250 | 956 |
| Average total loans | $408,658,750 | 1,044 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 2,920 |
| Cost of funding earning assets | 0.6023% | 2,914 |
| Net interest margin | 3.7062% | 2,935 |
| Noninterest income to average assets | 1.0003% | 1,537 |
| Noninterest expense to average assets | 2.5803% | 4,454 |
| Loan and lease loss provision to assets | 0.1734% | 2,174 |
| Net operating income to assets | 1.2854% | 1,360 |
| Return on assets (ROA) | 1.2846% | 1,459 |
| Pretax return on assets | 1.6636% | 1,199 |
| Return on Equity (ROE) | 9.8099% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.4269% | 1,700 |
| Net charge-offs to loans | 0.0758% | 3,629 |
| Credit loss provision to net charge-offs | 322.5806% | 806 |
| Earnings coverage of net charge-offs (x) | 34.2000% | 1,037 |
| Efficiency ratio | 56.9254% | 5,862 |
| Assets per employee ($millions) | 4.4276% | 2,932 |
| Cash dividends to net income (ytd only)* | 24.2915% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 1,959 |
| Loan loss allowance to noncurrent loans | 363.1723% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 4,828 |
| Noncurrent loans to loans | 0.5380% | 4,914 |
| Net loans and leases to total assets | 68.9395% | 2,070 |
| Net loans and leases to deposits | 81.5461% | 2,109 |
| Net loans and leases to core deposits | 84.7602% | 2,458 |
| Total domestic deposits to total assets | 84.5405% | 4,110 |
| Equity capital to assets | 12.9161% | 1,378 |
| Core capital (leverage) ratio | 13.1773% | 1,106 |
| Tier 1 risk-based capital ratio | 17.3555% | 2,572 |
| Total risk-based capital ratio | 18.6132% | 2,539 |
| Memoranda: | ||
| Average total assets | $576,832,000 | 1,165 |
| Average earning assets | $531,972,000 | 1,152 |
| Average equity | $75,536,000 | 960 |
| Average total loans | $408,757,330 | 1,038 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,980 |
| Cost of funding earning assets | 0.6184% | 2,935 |
| Net interest margin | 3.6608% | 3,033 |
| Noninterest income to average assets | 0.9714% | 1,548 |
| Noninterest expense to average assets | 2.6021% | 4,399 |
| Loan and lease loss provision to assets | 0.1738% | 2,127 |
| Net operating income to assets | 1.2308% | 1,433 |
| Return on assets (ROA) | 1.2308% | 1,544 |
| Pretax return on assets | 1.5708% | 1,376 |
| Return on Equity (ROE) | 9.3347% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.9615% | 2,172 |
| Net charge-offs to loans | 0.0948% | 2,903 |
| Credit loss provision to net charge-offs | 257.7320% | 902 |
| Earnings coverage of net charge-offs (x) | 25.8660% | 1,039 |
| Efficiency ratio | 58.3267% | 5,805 |
| Assets per employee ($millions) | 4.4933% | 2,985 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,318 |
| Loan loss allowance to noncurrent loans | 310.9156% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 4,755 |
| Noncurrent loans to loans | 0.6095% | 4,923 |
| Net loans and leases to total assets | 70.5481% | 1,573 |
| Net loans and leases to deposits | 83.8461% | 1,613 |
| Net loans and leases to core deposits | 87.4379% | 1,967 |
| Total domestic deposits to total assets | 84.1400% | 4,415 |
| Equity capital to assets | 13.3585% | 1,266 |
| Core capital (leverage) ratio | 12.9247% | 1,144 |
| Tier 1 risk-based capital ratio | 17.0627% | 2,715 |
| Total risk-based capital ratio | 18.3200% | 2,690 |
| Memoranda: | ||
| Average total assets | $575,238,000 | 1,177 |
| Average earning assets | $530,381,500 | 1,164 |
| Average equity | $75,846,000 | 968 |
| Average total loans | $409,220,500 | 1,040 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 3,612 |
| Cost of funding earning assets | 0.6770% | 3,672 |
| Net interest margin | 3.7726% | 3,350 |
| Noninterest income to average assets | 1.0519% | 1,400 |
| Noninterest expense to average assets | 2.4972% | 5,105 |
| Loan and lease loss provision to assets | 0.2098% | 3,046 |
| Net operating income to assets | 1.3781% | 1,137 |
| Return on assets (ROA) | 1.3708% | 1,271 |
| Pretax return on assets | 1.8091% | 904 |
| Return on Equity (ROE) | 10.8183% | 1,866 |
| Retained earnings to average equity (ytd only) | 7.9202% | 1,150 |
| Net charge-offs to loans | 0.1960% | 3,807 |
| Credit loss provision to net charge-offs | 154.0436% | 1,756 |
| Earnings coverage of net charge-offs (x) | 14.8909% | 1,696 |
| Efficiency ratio | 53.6437% | 6,298 |
| Assets per employee ($millions) | 4.3926% | 3,164 |
| Cash dividends to net income (ytd only)* | 26.7891% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 2,394 |
| Loan loss allowance to noncurrent loans | 237.6988% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 4,558 |
| Noncurrent loans to loans | 0.7859% | 4,606 |
| Net loans and leases to total assets | 69.0655% | 2,016 |
| Net loans and leases to deposits | 81.6459% | 2,055 |
| Net loans and leases to core deposits | 84.8953% | 2,440 |
| Total domestic deposits to total assets | 84.5915% | 4,045 |
| Equity capital to assets | 13.0145% | 1,448 |
| Core capital (leverage) ratio | 12.6076% | 1,282 |
| Tier 1 risk-based capital ratio | 16.6113% | 2,836 |
| Total risk-based capital ratio | 17.8678% | 2,809 |
| Memoranda: | ||
| Average total assets | $571,840,400 | 1,160 |
| Average earning assets | $526,554,200 | 1,144 |
| Average equity | $72,460,600 | 972 |
| Average total loans | $397,377,800 | 1,051 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 3,720 |
| Cost of funding earning assets | 0.6879% | 3,877 |
| Net interest margin | 3.7913% | 3,374 |
| Noninterest income to average assets | 1.0585% | 1,346 |
| Noninterest expense to average assets | 2.4785% | 5,149 |
| Loan and lease loss provision to assets | 0.2106% | 2,964 |
| Net operating income to assets | 1.4129% | 1,196 |
| Return on assets (ROA) | 1.4032% | 1,337 |
| Pretax return on assets | 1.8484% | 959 |
| Return on Equity (ROE) | 11.1501% | 1,906 |
| Retained earnings to average equity (ytd only) | 9.0584% | 1,209 |
| Net charge-offs to loans | 0.1057% | 4,337 |
| Credit loss provision to net charge-offs | 287.5399% | 938 |
| Earnings coverage of net charge-offs (x) | 28.2909% | 1,154 |
| Efficiency ratio | 52.9772% | 6,352 |
| Assets per employee ($millions) | 4.3931% | 3,082 |
| Cash dividends to net income (ytd only)* | 18.7593% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 2,355 |
| Loan loss allowance to noncurrent loans | 370.0238% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 5,242 |
| Noncurrent loans to loans | 0.5247% | 5,390 |
| Net loans and leases to total assets | 69.4130% | 2,033 |
| Net loans and leases to deposits | 82.4151% | 2,062 |
| Net loans and leases to core deposits | 85.8136% | 2,488 |
| Total domestic deposits to total assets | 84.2236% | 4,120 |
| Equity capital to assets | 13.1574% | 1,515 |
| Core capital (leverage) ratio | 12.7496% | 1,295 |
| Tier 1 risk-based capital ratio | 16.8022% | 2,838 |
| Total risk-based capital ratio | 18.0338% | 2,807 |
| Memoranda: | ||
| Average total assets | $569,845,250 | 1,177 |
| Average earning assets | $524,840,000 | 1,164 |
| Average equity | $71,710,500 | 990 |
| Average total loans | $394,702,500 | 1,066 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 3,797 |
| Cost of funding earning assets | 0.6966% | 4,039 |
| Net interest margin | 3.7971% | 3,378 |
| Noninterest income to average assets | 1.0562% | 1,297 |
| Noninterest expense to average assets | 2.4366% | 5,339 |
| Loan and lease loss provision to assets | 0.2102% | 2,979 |
| Net operating income to assets | 1.4486% | 1,089 |
| Return on assets (ROA) | 1.4486% | 1,220 |
| Pretax return on assets | 1.9118% | 828 |
| Return on Equity (ROE) | 11.6876% | 1,776 |
| Retained earnings to average equity (ytd only) | 9.5677% | 1,095 |
| Net charge-offs to loans | 0.1106% | 4,076 |
| Credit loss provision to net charge-offs | 276.4977% | 1,059 |
| Earnings coverage of net charge-offs (x) | 27.9124% | 1,118 |
| Efficiency ratio | 52.0058% | 6,505 |
| Assets per employee ($millions) | 4.6249% | 2,674 |
| Cash dividends to net income (ytd only)* | 18.1378% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 2,486 |
| Loan loss allowance to noncurrent loans | 359.7156% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 5,267 |
| Noncurrent loans to loans | 0.5334% | 5,456 |
| Net loans and leases to total assets | 67.1155% | 2,441 |
| Net loans and leases to deposits | 79.0023% | 2,524 |
| Net loans and leases to core deposits | 82.2438% | 2,933 |
| Total domestic deposits to total assets | 84.9538% | 3,885 |
| Equity capital to assets | 12.5819% | 1,763 |
| Core capital (leverage) ratio | 12.3017% | 1,447 |
| Tier 1 risk-based capital ratio | 16.1518% | 3,093 |
| Total risk-based capital ratio | 17.4084% | 3,051 |
| Memoranda: | ||
| Average total assets | $570,888,670 | 1,177 |
| Average earning assets | $526,553,000 | 1,163 |
| Average equity | $70,759,000 | 994 |
| Average total loans | $392,549,000 | 1,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 3,853 |
| Cost of funding earning assets | 0.7134% | 4,168 |
| Net interest margin | 3.8017% | 3,387 |
| Noninterest income to average assets | 1.0513% | 1,304 |
| Noninterest expense to average assets | 2.4693% | 5,248 |
| Loan and lease loss provision to assets | 0.2115% | 2,834 |
| Net operating income to assets | 1.4251% | 1,176 |
| Return on assets (ROA) | 1.4251% | 1,319 |
| Pretax return on assets | 1.8728% | 928 |
| Return on Equity (ROE) | 11.5867% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.4368% | 1,430 |
| Net charge-offs to loans | 0.0409% | 4,123 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 73.9000% | 453 |
| Efficiency ratio | 52.6943% | 6,473 |
| Assets per employee ($millions) | 4.5911% | 2,828 |
| Cash dividends to net income (ytd only)* | 18.5552% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 2,715 |
| Loan loss allowance to noncurrent loans | 280.4159% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 5,218 |
| Noncurrent loans to loans | 0.6735% | 5,307 |
| Net loans and leases to total assets | 67.1429% | 2,269 |
| Net loans and leases to deposits | 78.8335% | 2,365 |
| Net loans and leases to core deposits | 81.9461% | 2,845 |
| Total domestic deposits to total assets | 85.1705% | 3,954 |
| Equity capital to assets | 12.3172% | 1,839 |
| Core capital (leverage) ratio | 12.1371% | 1,510 |
| Tier 1 risk-based capital ratio | 15.6910% | 3,340 |
| Total risk-based capital ratio | 16.8984% | 3,334 |
| Memoranda: | ||
| Average total assets | $567,276,000 | 1,189 |
| Average earning assets | $522,602,500 | 1,172 |
| Average equity | $69,769,500 | 1,000 |
| Average total loans | $391,026,500 | 1,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 3,767 |
| Cost of funding earning assets | 0.8134% | 4,761 |
| Net interest margin | 3.9968% | 2,896 |
| Noninterest income to average assets | 0.9744% | 1,441 |
| Noninterest expense to average assets | 2.6000% | 5,093 |
| Loan and lease loss provision to assets | 0.2229% | 3,973 |
| Net operating income to assets | 1.4517% | 925 |
| Return on assets (ROA) | 1.4460% | 1,013 |
| Pretax return on assets | 1.8034% | 797 |
| Return on Equity (ROE) | 11.9428% | 1,416 |
| Retained earnings to average equity (ytd only) | 9.1814% | 753 |
| Net charge-offs to loans | 0.2016% | 4,533 |
| Credit loss provision to net charge-offs | 156.0468% | 1,800 |
| Earnings coverage of net charge-offs (x) | 14.2354% | 1,475 |
| Efficiency ratio | 54.9409% | 6,431 |
| Assets per employee ($millions) | 4.5583% | 2,816 |
| Cash dividends to net income (ytd only)* | 23.1214% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 2,748 |
| Loan loss allowance to noncurrent loans | 240.9764% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 5,105 |
| Noncurrent loans to loans | 0.7629% | 5,166 |
| Net loans and leases to total assets | 68.1610% | 2,367 |
| Net loans and leases to deposits | 79.9435% | 2,531 |
| Net loans and leases to core deposits | 83.3164% | 2,979 |
| Total domestic deposits to total assets | 85.2614% | 3,717 |
| Equity capital to assets | 12.2805% | 1,923 |
| Core capital (leverage) ratio | 11.9164% | 1,647 |
| Tier 1 risk-based capital ratio | 15.4415% | 3,369 |
| Total risk-based capital ratio | 16.6972% | 3,317 |
| Memoranda: | ||
| Average total assets | $538,375,000 | 1,236 |
| Average earning assets | $492,871,000 | 1,229 |
| Average equity | $65,185,800 | 1,037 |
| Average total loans | $381,446,000 | 1,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 3,716 |
| Cost of funding earning assets | 0.8293% | 4,954 |
| Net interest margin | 4.0336% | 2,763 |
| Noninterest income to average assets | 0.9614% | 1,444 |
| Noninterest expense to average assets | 2.5695% | 5,200 |
| Loan and lease loss provision to assets | 0.2377% | 3,629 |
| Net operating income to assets | 1.4166% | 1,127 |
| Return on assets (ROA) | 1.4166% | 1,195 |
| Pretax return on assets | 1.8435% | 870 |
| Return on Equity (ROE) | 11.7441% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.8770% | 878 |
| Net charge-offs to loans | 0.1964% | 4,229 |
| Credit loss provision to net charge-offs | 169.9463% | 1,780 |
| Earnings coverage of net charge-offs (x) | 14.8785% | 1,506 |
| Efficiency ratio | 54.2373% | 6,465 |
| Assets per employee ($millions) | 4.6038% | 2,746 |
| Cash dividends to net income (ytd only)* | 15.8983% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 2,777 |
| Loan loss allowance to noncurrent loans | 213.9458% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 5,086 |
| Noncurrent loans to loans | 0.8650% | 5,135 |
| Net loans and leases to total assets | 67.6275% | 2,553 |
| Net loans and leases to deposits | 79.4332% | 2,733 |
| Net loans and leases to core deposits | 90.5751% | 2,180 |
| Total domestic deposits to total assets | 85.1376% | 3,707 |
| Equity capital to assets | 12.1579% | 2,140 |
| Core capital (leverage) ratio | 12.2595% | 1,555 |
| Tier 1 risk-based capital ratio | 15.3032% | 3,491 |
| Total risk-based capital ratio | 16.5589% | 3,458 |
| Memoranda: | ||
| Average total assets | $532,801,250 | 1,252 |
| Average earning assets | $487,324,500 | 1,254 |
| Average equity | $64,269,000 | 1,056 |
| Average total loans | $379,478,750 | 1,133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 3,623 |
| Cost of funding earning assets | 0.8523% | 5,047 |
| Net interest margin | 4.0474% | 2,623 |
| Noninterest income to average assets | 1.0120% | 1,293 |
| Noninterest expense to average assets | 2.6052% | 5,158 |
| Loan and lease loss provision to assets | 0.2287% | 3,629 |
| Net operating income to assets | 1.3966% | 1,089 |
| Return on assets (ROA) | 1.3966% | 1,157 |
| Pretax return on assets | 1.8886% | 727 |
| Return on Equity (ROE) | 11.6103% | 1,599 |
| Retained earnings to average equity (ytd only) | 9.7091% | 915 |
| Net charge-offs to loans | 0.1487% | 4,298 |
| Credit loss provision to net charge-offs | 213.5231% | 1,403 |
| Earnings coverage of net charge-offs (x) | 19.7687% | 1,204 |
| Efficiency ratio | 54.1646% | 6,605 |
| Assets per employee ($millions) | 4.2587% | 3,238 |
| Cash dividends to net income (ytd only)* | 16.3755% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 2,817 |
| Loan loss allowance to noncurrent loans | 265.3208% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 5,380 |
| Noncurrent loans to loans | 0.6988% | 5,509 |
| Net loans and leases to total assets | 70.4767% | 2,120 |
| Net loans and leases to deposits | 82.9263% | 2,293 |
| Net loans and leases to core deposits | 86.3754% | 2,850 |
| Total domestic deposits to total assets | 84.9871% | 3,887 |
| Equity capital to assets | 12.3214% | 1,890 |
| Core capital (leverage) ratio | 12.1683% | 1,521 |
| Tier 1 risk-based capital ratio | 15.4691% | 3,265 |
| Total risk-based capital ratio | 16.7253% | 3,205 |
| Memoranda: | ||
| Average total assets | $524,714,330 | 1,282 |
| Average earning assets | $481,048,330 | 1,277 |
| Average equity | $63,116,330 | 1,072 |
| Average total loans | $378,028,330 | 1,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 3,492 |
| Cost of funding earning assets | 0.8762% | 5,084 |
| Net interest margin | 4.0428% | 2,497 |
| Noninterest income to average assets | 0.8986% | 1,670 |
| Noninterest expense to average assets | 2.5949% | 5,247 |
| Loan and lease loss provision to assets | 0.2294% | 3,357 |
| Net operating income to assets | 1.3223% | 1,222 |
| Return on assets (ROA) | 1.3223% | 1,268 |
| Pretax return on assets | 1.7796% | 850 |
| Return on Equity (ROE) | 11.1294% | 1,700 |
| Retained earnings to average equity (ytd only) | 9.1984% | 1,319 |
| Net charge-offs to loans | 0.1590% | 3,530 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 17.5133% | 1,221 |
| Efficiency ratio | 55.3156% | 6,582 |
| Assets per employee ($millions) | 4.3008% | 3,246 |
| Cash dividends to net income (ytd only)* | 17.3511% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 2,924 |
| Loan loss allowance to noncurrent loans | 286.3940% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,486 |
| Noncurrent loans to loans | 0.6384% | 5,758 |
| Net loans and leases to total assets | 70.2170% | 2,085 |
| Net loans and leases to deposits | 82.2958% | 2,311 |
| Net loans and leases to core deposits | 85.6171% | 2,937 |
| Total domestic deposits to total assets | 85.3227% | 3,878 |
| Equity capital to assets | 12.0047% | 1,913 |
| Core capital (leverage) ratio | 11.9097% | 1,611 |
| Tier 1 risk-based capital ratio | 15.0293% | 3,408 |
| Total risk-based capital ratio | 16.2063% | 3,409 |
| Memoranda: | ||
| Average total assets | $523,034,500 | 1,294 |
| Average earning assets | $479,368,000 | 1,286 |
| Average equity | $62,141,500 | 1,081 |
| Average total loans | $377,442,500 | 1,172 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 4,239 |
| Cost of funding earning assets | 1.1832% | 4,658 |
| Net interest margin | 3.8858% | 3,558 |
| Noninterest income to average assets | 0.9861% | 1,556 |
| Noninterest expense to average assets | 2.5239% | 5,706 |
| Loan and lease loss provision to assets | 0.2281% | 4,994 |
| Net operating income to assets | 1.3154% | 1,131 |
| Return on assets (ROA) | 1.3153% | 1,203 |
| Pretax return on assets | 1.8131% | 737 |
| Return on Equity (ROE) | 11.6329% | 1,411 |
| Retained earnings to average equity (ytd only) | 8.7079% | 784 |
| Net charge-offs to loans | 0.3074% | 4,480 |
| Credit loss provision to net charge-offs | 101.1804% | 4,486 |
| Earnings coverage of net charge-offs (x) | 9.0556% | 1,884 |
| Efficiency ratio | 54.2029% | 6,787 |
| Assets per employee ($millions) | 4.3089% | 3,187 |
| Cash dividends to net income (ytd only)* | 25.1445% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 2,963 |
| Loan loss allowance to noncurrent loans | 252.0466% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 5,777 |
| Noncurrent loans to loans | 0.7015% | 5,644 |
| Net loans and leases to total assets | 71.5199% | 2,197 |
| Net loans and leases to deposits | 83.4447% | 2,543 |
| Net loans and leases to core deposits | 86.7024% | 3,229 |
| Total domestic deposits to total assets | 85.7093% | 3,493 |
| Equity capital to assets | 11.7564% | 2,075 |
| Core capital (leverage) ratio | 11.6127% | 1,775 |
| Tier 1 risk-based capital ratio | 15.0245% | 3,238 |
| Total risk-based capital ratio | 16.2801% | 3,188 |
| Memoranda: | ||
| Average total assets | $526,125,200 | 1,271 |
| Average earning assets | $484,616,800 | 1,274 |
| Average equity | $59,486,400 | 1,118 |
| Average total loans | $385,857,600 | 1,169 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 4,396 |
| Cost of funding earning assets | 1.2529% | 4,555 |
| Net interest margin | 3.8334% | 3,825 |
| Noninterest income to average assets | 0.9302% | 1,686 |
| Noninterest expense to average assets | 2.5022% | 5,711 |
| Loan and lease loss provision to assets | 0.2276% | 4,797 |
| Net operating income to assets | 1.2565% | 1,455 |
| Return on assets (ROA) | 1.2567% | 1,528 |
| Pretax return on assets | 1.7355% | 1,039 |
| Return on Equity (ROE) | 11.2248% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.9889% | 1,055 |
| Net charge-offs to loans | 0.2423% | 4,487 |
| Credit loss provision to net charge-offs | 127.8409% | 3,180 |
| Earnings coverage of net charge-offs (x) | 11.0270% | 1,826 |
| Efficiency ratio | 55.0088% | 6,683 |
| Assets per employee ($millions) | 4.1933% | 3,457 |
| Cash dividends to net income (ytd only)* | 19.9196% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 2,813 |
| Loan loss allowance to noncurrent loans | 176.8640% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 5,324 |
| Noncurrent loans to loans | 1.0143% | 5,211 |
| Net loans and leases to total assets | 70.9625% | 2,498 |
| Net loans and leases to deposits | 82.7177% | 2,959 |
| Net loans and leases to core deposits | 86.1534% | 3,627 |
| Total domestic deposits to total assets | 85.7887% | 3,191 |
| Equity capital to assets | 11.5280% | 2,512 |
| Core capital (leverage) ratio | 11.2696% | 2,087 |
| Tier 1 risk-based capital ratio | 14.2592% | 3,658 |
| Total risk-based capital ratio | 15.5130% | 3,615 |
| Memoranda: | ||
| Average total assets | $527,313,000 | 1,280 |
| Average earning assets | $486,238,000 | 1,283 |
| Average equity | $59,034,250 | 1,132 |
| Average total loans | $387,422,500 | 1,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 4,311 |
| Cost of funding earning assets | 1.3339% | 4,303 |
| Net interest margin | 3.7941% | 3,922 |
| Noninterest income to average assets | 0.8730% | 1,792 |
| Noninterest expense to average assets | 2.4868% | 5,758 |
| Loan and lease loss provision to assets | 0.2474% | 4,452 |
| Net operating income to assets | 1.1933% | 1,575 |
| Return on assets (ROA) | 1.1930% | 1,645 |
| Pretax return on assets | 1.6496% | 1,165 |
| Return on Equity (ROE) | 10.7643% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.9101% | 1,131 |
| Net charge-offs to loans | 0.1746% | 4,568 |
| Credit loss provision to net charge-offs | 191.7404% | 2,055 |
| Earnings coverage of net charge-offs (x) | 14.7080% | 1,505 |
| Efficiency ratio | 55.7417% | 6,668 |
| Assets per employee ($millions) | 4.1153% | 3,550 |
| Cash dividends to net income (ytd only)* | 17.2249% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 2,684 |
| Loan loss allowance to noncurrent loans | 195.0528% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 5,520 |
| Noncurrent loans to loans | 0.9299% | 5,433 |
| Net loans and leases to total assets | 71.5602% | 2,523 |
| Net loans and leases to deposits | 83.0962% | 3,053 |
| Net loans and leases to core deposits | 85.8316% | 3,861 |
| Total domestic deposits to total assets | 86.1174% | 3,019 |
| Equity capital to assets | 11.2140% | 2,679 |
| Core capital (leverage) ratio | 10.9281% | 2,298 |
| Tier 1 risk-based capital ratio | 13.5107% | 4,059 |
| Total risk-based capital ratio | 14.7645% | 4,020 |
| Memoranda: | ||
| Average total assets | $525,567,670 | 1,293 |
| Average earning assets | $486,392,000 | 1,281 |
| Average equity | $58,248,330 | 1,141 |
| Average total loans | $388,292,330 | 1,187 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 4,329 |
| Cost of funding earning assets | 1.4028% | 4,152 |
| Net interest margin | 3.7407% | 4,050 |
| Noninterest income to average assets | 0.8606% | 1,766 |
| Noninterest expense to average assets | 2.5365% | 5,592 |
| Loan and lease loss provision to assets | 0.2677% | 3,882 |
| Net operating income to assets | 1.1082% | 1,805 |
| Return on assets (ROA) | 1.1076% | 1,889 |
| Pretax return on assets | 1.5291% | 1,444 |
| Return on Equity (ROE) | 10.0544% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.1796% | 1,631 |
| Net charge-offs to loans | 0.0288% | 5,167 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 83.9286% | 378 |
| Efficiency ratio | 57.5538% | 6,557 |
| Assets per employee ($millions) | 4.0813% | 3,677 |
| Cash dividends to net income (ytd only)* | 18.6464% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,712 |
| Loan loss allowance to noncurrent loans | 168.8040% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 5,518 |
| Noncurrent loans to loans | 1.0700% | 5,205 |
| Net loans and leases to total assets | 72.0200% | 2,440 |
| Net loans and leases to deposits | 83.4156% | 3,039 |
| Net loans and leases to core deposits | 99.1963% | 2,215 |
| Total domestic deposits to total assets | 86.3387% | 2,968 |
| Equity capital to assets | 10.9796% | 2,784 |
| Core capital (leverage) ratio | 10.9060% | 2,293 |
| Tier 1 risk-based capital ratio | 13.3196% | 4,111 |
| Total risk-based capital ratio | 14.5752% | 4,059 |
| Memoranda: | ||
| Average total assets | $522,915,000 | 1,332 |
| Average earning assets | $485,584,000 | 1,312 |
| Average equity | $57,606,500 | 1,154 |
| Average total loans | $388,982,500 | 1,221 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 3,025 |
| Cost of funding earning assets | 1.6472% | 4,813 |
| Net interest margin | 4.0688% | 2,570 |
| Noninterest income to average assets | 0.9993% | 1,576 |
| Noninterest expense to average assets | 2.7208% | 5,293 |
| Loan and lease loss provision to assets | 0.2344% | 5,495 |
| Net operating income to assets | 1.2955% | 1,044 |
| Return on assets (ROA) | 1.2955% | 1,092 |
| Pretax return on assets | 1.8155% | 616 |
| Return on Equity (ROE) | 11.6757% | 1,241 |
| Retained earnings to average equity (ytd only) | 8.9474% | 503 |
| Net charge-offs to loans | 0.0800% | 6,311 |
| Credit loss provision to net charge-offs | 382.0598% | 833 |
| Earnings coverage of net charge-offs (x) | 33.4086% | 698 |
| Efficiency ratio | 55.7877% | 7,043 |
| Assets per employee ($millions) | 4.0894% | 3,638 |
| Cash dividends to net income (ytd only)* | 23.3674% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,806 |
| Loan loss allowance to noncurrent loans | 132.5499% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 5,078 |
| Noncurrent loans to loans | 1.3021% | 4,746 |
| Net loans and leases to total assets | 74.1584% | 2,233 |
| Net loans and leases to deposits | 85.9013% | 2,931 |
| Net loans and leases to core deposits | 106.1060% | 3,320 |
| Total domestic deposits to total assets | 86.3298% | 2,854 |
| Equity capital to assets | 11.0543% | 2,668 |
| Core capital (leverage) ratio | 10.9284% | 2,266 |
| Tier 1 risk-based capital ratio | 13.1863% | 4,022 |
| Total risk-based capital ratio | 14.4395% | 3,967 |
| Memoranda: | ||
| Average total assets | $490,554,000 | 1,413 |
| Average earning assets | $454,705,200 | 1,387 |
| Average equity | $54,429,400 | 1,210 |
| Average total loans | $376,425,600 | 1,277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 2,866 |
| Cost of funding earning assets | 1.6982% | 4,909 |
| Net interest margin | 4.1071% | 2,366 |
| Noninterest income to average assets | 0.9711% | 1,705 |
| Noninterest expense to average assets | 2.8283% | 4,771 |
| Loan and lease loss provision to assets | 0.2064% | 5,335 |
| Net operating income to assets | 1.2458% | 1,355 |
| Return on assets (ROA) | 1.2458% | 1,421 |
| Pretax return on assets | 1.7443% | 894 |
| Return on Equity (ROE) | 11.2172% | 1,564 |
| Retained earnings to average equity (ytd only) | 9.3212% | 762 |
| Net charge-offs to loans | 0.0625% | 6,077 |
| Credit loss provision to net charge-offs | 428.5714% | 924 |
| Earnings coverage of net charge-offs (x) | 40.4967% | 742 |
| Efficiency ratio | 57.8620% | 6,733 |
| Assets per employee ($millions) | 3.9583% | 3,810 |
| Cash dividends to net income (ytd only)* | 16.9023% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,720 |
| Loan loss allowance to noncurrent loans | 126.8971% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 5,039 |
| Noncurrent loans to loans | 1.3191% | 4,732 |
| Net loans and leases to total assets | 75.2386% | 2,179 |
| Net loans and leases to deposits | 86.1222% | 3,293 |
| Net loans and leases to core deposits | 105.3097% | 3,783 |
| Total domestic deposits to total assets | 87.3627% | 1,974 |
| Equity capital to assets | 11.2308% | 2,812 |
| Core capital (leverage) ratio | 11.2175% | 2,249 |
| Tier 1 risk-based capital ratio | 13.2866% | 3,992 |
| Total risk-based capital ratio | 14.5409% | 3,941 |
| Memoranda: | ||
| Average total assets | $484,376,000 | 1,441 |
| Average earning assets | $449,095,250 | 1,424 |
| Average equity | $53,797,000 | 1,244 |
| Average total loans | $373,326,000 | 1,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 2,634 |
| Cost of funding earning assets | 1.7799% | 4,861 |
| Net interest margin | 4.1094% | 2,287 |
| Noninterest income to average assets | 1.1447% | 1,195 |
| Noninterest expense to average assets | 2.8616% | 4,679 |
| Loan and lease loss provision to assets | 0.2085% | 4,958 |
| Net operating income to assets | 1.3387% | 1,142 |
| Return on assets (ROA) | 1.3387% | 1,213 |
| Pretax return on assets | 1.8854% | 718 |
| Return on Equity (ROE) | 12.0999% | 1,385 |
| Retained earnings to average equity (ytd only) | 10.1775% | 699 |
| Net charge-offs to loans | 0.0345% | 5,978 |
| Credit loss provision to net charge-offs | 781.2500% | 601 |
| Earnings coverage of net charge-offs (x) | 78.4531% | 488 |
| Efficiency ratio | 56.2568% | 7,090 |
| Assets per employee ($millions) | 3.7528% | 4,212 |
| Cash dividends to net income (ytd only)* | 15.8879% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 2,459 |
| Loan loss allowance to noncurrent loans | 161.3426% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 5,387 |
| Noncurrent loans to loans | 1.0336% | 5,150 |
| Net loans and leases to total assets | 76.4026% | 2,080 |
| Net loans and leases to deposits | 87.5973% | 3,241 |
| Net loans and leases to core deposits | 106.8697% | 3,734 |
| Total domestic deposits to total assets | 87.2202% | 2,143 |
| Equity capital to assets | 11.2458% | 2,721 |
| Core capital (leverage) ratio | 11.1457% | 2,297 |
| Tier 1 risk-based capital ratio | 13.3860% | 3,873 |
| Total risk-based capital ratio | 14.6404% | 3,814 |
| Memoranda: | ||
| Average total assets | $479,586,330 | 1,479 |
| Average earning assets | $444,735,000 | 1,453 |
| Average equity | $53,058,330 | 1,279 |
| Average total loans | $370,555,670 | 1,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9043% | 2,769 |
| Cost of funding earning assets | 1.8537% | 4,860 |
| Net interest margin | 4.0506% | 2,452 |
| Noninterest income to average assets | 1.0861% | 1,265 |
| Noninterest expense to average assets | 2.6909% | 5,052 |
| Loan and lease loss provision to assets | 0.2095% | 4,345 |
| Net operating income to assets | 1.3743% | 1,196 |
| Return on assets (ROA) | 1.3743% | 1,288 |
| Pretax return on assets | 1.9433% | 737 |
| Return on Equity (ROE) | 12.5272% | 1,506 |
| Retained earnings to average equity (ytd only) | 10.5794% | 1,059 |
| Net charge-offs to loans | 0.0337% | 5,044 |
| Credit loss provision to net charge-offs | 806.4516% | 740 |
| Earnings coverage of net charge-offs (x) | 82.8710% | 507 |
| Efficiency ratio | 54.1696% | 7,203 |
| Assets per employee ($millions) | 3.8448% | 3,991 |
| Cash dividends to net income (ytd only)* | 15.5488% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 2,372 |
| Loan loss allowance to noncurrent loans | 226.6542% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 5,765 |
| Noncurrent loans to loans | 0.7223% | 5,612 |
| Net loans and leases to total assets | 76.4102% | 2,185 |
| Net loans and leases to deposits | 87.5399% | 3,371 |
| Net loans and leases to core deposits | 107.9389% | 3,690 |
| Total domestic deposits to total assets | 87.2862% | 2,074 |
| Equity capital to assets | 11.1526% | 2,850 |
| Core capital (leverage) ratio | 11.0567% | 2,460 |
| Tier 1 risk-based capital ratio | 13.1875% | 4,058 |
| Total risk-based capital ratio | 14.4416% | 3,978 |
| Memoranda: | ||
| Average total assets | $477,321,000 | 1,497 |
| Average earning assets | $442,795,000 | 1,461 |
| Average equity | $52,366,000 | 1,305 |
| Average total loans | $367,758,000 | 1,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4301% | 3,275 |
| Cost of funding earning assets | 2.3479% | 4,935 |
| Net interest margin | 4.0822% | 2,785 |
| Noninterest income to average assets | 0.9837% | 1,630 |
| Noninterest expense to average assets | 2.4972% | 6,014 |
| Loan and lease loss provision to assets | 0.2067% | 4,826 |
| Net operating income to assets | 1.4663% | 1,086 |
| Return on assets (ROA) | 1.4363% | 1,113 |
| Pretax return on assets | 2.0126% | 588 |
| Return on Equity (ROE) | 13.2926% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.5014% | 702 |
| Net charge-offs to loans | 0.1617% | 4,581 |
| Credit loss provision to net charge-offs | 172.4138% | 2,966 |
| Earnings coverage of net charge-offs (x) | 18.8675% | 1,674 |
| Efficiency ratio | 52.2582% | 7,459 |
| Assets per employee ($millions) | 3.8540% | 3,850 |
| Cash dividends to net income (ytd only)* | 36.0442% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 2,237 |
| Loan loss allowance to noncurrent loans | 207.7798% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 5,419 |
| Noncurrent loans to loans | 0.7709% | 5,107 |
| Net loans and leases to total assets | 75.1882% | 2,836 |
| Net loans and leases to deposits | 86.3650% | 4,062 |
| Net loans and leases to core deposits | 105.4764% | 4,247 |
| Total domestic deposits to total assets | 87.0586% | 1,910 |
| Equity capital to assets | 10.7894% | 3,213 |
| Core capital (leverage) ratio | 10.6637% | 2,854 |
| Tier 1 risk-based capital ratio | 12.6735% | 4,307 |
| Total risk-based capital ratio | 13.9190% | 4,225 |
| Memoranda: | ||
| Average total assets | $459,708,400 | 1,491 |
| Average earning assets | $425,110,800 | 1,469 |
| Average equity | $49,674,200 | 1,368 |
| Average total loans | $340,787,600 | 1,425 |